Select the states you are licensed in. Find our recommendations below.
Thousands of students each year renew with mortgage continuing education courses from OnlineEd. Let's make it easy!
Kentucky licensees: Mortgage loan originators licensed in Kentucky must take 8 hours of NMLS-approved continuing education every year. This includes 7 hours of NMLS core education and a 1-hour Kentucky state-specific elective. All CE is due by November 30.
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8 Hours of 2025 Kentucky MLO Continuing Education
Complete 8-hour package for Kentucky MLO licensees. Includes the 1-hour DFI state specific requirement.
$85.00
+ $12.00 NMLS Credit Banking Fee
| 8 Hours
Late CE 8 Hours of 2024 Kentucky MLO Continuing Education
Late CE 8-hour NMLS continuing education bundle for Kentucky loan originators that did not renew a license during the previous year.
$80.50 | 8 Hours
1 Hour KY SAFE: Kentucky Mortgage Continuing Education
This 2025 Kentucky NMLS course meets the DFI state-specific requirement for MLO annual license renewal.
$24.50 | 1 Hour
7 Hour SAFE Core: 2025 Originator Fundamentals
This 7-hour CORE mortgage loan originator license renewal course covers the required education topics outlined by the NMLS, covering 3 hours of Federal Law, 2 hours of Ethics, and 2 hours of Nontraditional Mortgage Products.
$75.00 | 7 Hours
Late CE 7 Hour SAFE Core: 2024 Originator Fundamentals (16050)
7 hours of Late CE NMLS continuing education for mortgage loan originators that did not complete education requirements during the previous year. Add a state-specific elective to complete your 8-hour requirement.
$65.00 | 7 Hours
Late CE 1 Hour KY SAFE: Kentucky Mortgage Continuing Education (16074)
Late CE 1-hour NMLS continuing education state-specific elective for Kentucky mortgage loan originators who did not complete education requirements during the previous year.
$29.50 | 1 Hour
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The SAFE Act requires licensed mortgage loan originators (MLOs) to take a minimum of 8 hours of continuing education (CE) every year as a condition for mortgage license renewal. Your CE must be completed before submitting paperwork for license renewal through the NMLS website. NMLS continuing education credit hours must be in the following categories:
OnlineEd's mortgage courses include all of these required topics, so you don't need to worry about missing anything.
Each state has its own license renewal requirements. If you are licensed in other states, check with each state to learn if you need to take any state-specific elective courses. See the NMLS education chart for details. Persons that hold multiple licenses often take our 7-Hour Core CE course and then the individual electives for each state they need.
Don't wait until the last minute! Be sure to get your CE done at least 10 days before the due date. This will allow time for the CE credit to be uploaded to the NMLS database and for you to complete your license renewal paperwork. If you take your CE on December 31, you will certainly NOT get your license renewed on time.
You need a minimum of 8 credit hours per year. Some states require additional hours and state-specific courses. Look up your NMLS education record on the NMLS website to see which credits you need. See the NMLS State-Specific Education Requirements chart for more information on the states you are licensed in.
Each state has it's own deadline. The deadline for CE completion is December 31 in most states. Some states have earlier deadlines: Delaware, District of Columbia, Georgia, Idaho, Iowa, Kansas, Kentucky, Puerto Rico, South Carolina (DCA), Vermont, Washington, West Virginia. See the NMLS State-Specific Education Requirements chart for more information.
This is the deadline that guarantees that your renewal application will get approved on time. The NMLS recommends completing CE by December 8 in most states to allow enough time to process your renewal application. Many licensees wait until December 31 to complete their continuing education, then miss their renewal application deadlines. Your application will take additional time for state agencies to process, even after you complete CE.
If you do not complete continuing education during the calendar year, you must take a designated "Late CE" course for makeup credit (look for "Late CE" in the course title). These courses become available on January 1 and apply retroactive credit to years of CE that were missed. Regular CE courses will not count for retroactive credit.
If you complete CE on or before December 31 of the current renewal cycle, your CE is good for that year, regardless of what deadline your state agency has. Starting January 1, you must take a designated "Late CE" course to make up credits.
You do NOT need to take CE if you obtained your initial mortgage license this calendar year (i.e. you took a 20-hour pre-license course). If you previously held a mortgage license and obtained additional state licenses this calendar year, you DO need to complete CE in every state you are licensed in.
Yes. "Late CE" only counts towards previous years.
No. Only state-licensed loan originators need to complete SAFE Act required continuing education. Federally registered MLOs are exempt from CE requirements, but your lending institution may have its own education requirements.
Complete your continuing education requirements, update fingerprints if needed, pay the NMLS renewal application fee, and submit your renewal applications through the NMLS website. For more information, see the MLO License Renewal Handbook and the Guide to Preparing for License Renewal.
The annual renewal period is November 1 to December 31.
No! Completing CE requirements is just the first part of renewing your license. You also need to complete any license items on your NMLS profile, pay renewal fees, and submit renewal applications to state agencies through the NMLS. Your education provider cannot handle these functions for you. Make sure you start your continuing education early to allow time for the entire renewal process.
For more information, see the NMLS Education FAQ on the NMLS website.
Each state issues its own mortgage licenses and may choose its own hour requirements for license renewal. Below are the continuing education hour requirements for each state and links to courses that fulfill the education requirements.
For additional details, see the NMLS state-specific education document.
| State | Total Hours |
State Specific |
State Licensing Authority |
|---|---|---|---|
| Alabama | 8 | 0 | Alabama Banking Department |
| Alaska | 8 | 0 | Alaska Division of Banking & Securities |
| Arizona | 8 | 1 | Arizona Department of Financial Institutions |
| Arkansas | 8 | 0 | Arkansas Security Department |
| California (DRE) | 8 | 0 | California Department of Real Estate |
| California (DFPI) | 8 | 1 | California Department of Financial Protection and Innovation |
| Colorado | 8 | 0 | Colorado Division of Real Estate |
| Connecticut | 8 | 1 | Connecticut Department of Banking |
| Delaware | 8 | 0 | Delaware Office of the State Bank Commissioner |
| District of Columbia | 8 | 1 | District of Columbia Department of Insurance, Securities and Banking |
| Florida | 8 | 1 | Florida Office of Financial Regulation |
| Georgia | 8 | 1 | Georgia Department of Banking and Finance |
| Guam | 8 | 0 | Guam Department of Revenue and Taxation |
| Hawaii | 8 | 1 | Hawaii Division of Financial Institutions |
| Idaho | 8 | 1 | Idaho Department of Finance |
| Illinois | 8 | 0 | Illinois Department of Financial & Professional Regulation |
| Indiana (SOS) | 8 | 0 | Indiana Secretary of State |
| Indiana (DFI) | 8 | 0 | Indiana Department of Financial Institutions |
| Iowa | 8 | 0 | Iowa Division of Banking |
| Kansas | 8 | 0 | Kansas Office of the State Bank Commissioner |
| Kentucky | 8 | 1 | Kentucky Department of Financial Institutions |
| Louisiana | 8 | 0 | Louisiana Office of Financial Institutions |
| Maine | 8 | 0 | Maine Bureau of Consumer Credit Protection |
| Maryland | 8 | 1 | Maryland Commissioner of Financial Regulation |
| Massachusetts | 8 | 1 | Massachusetts Division of Banks |
| Michigan | 8 | 0 | Michigan Department of Insurance and Financial Services |
| Minnesota | 8 | 1 | Minnesota Department of Commerce |
| Mississippi | 8 | 0 | Mississippi Department of Banking and Consumer Finance |
| Missouri | 8 | 1 | Missouri Division of Finance |
| Montana | 8 | 0 | Montana Division of Banking & Financial Institutions |
| Nebraska | 8 | 0 | Nebraska Department of Banking and Finance |
| Nevada | 8 | 0 | Nevada Division of Mortgage Lending |
| New Hampshire | 8 | 0 | New Hampshire Banking Department |
| New Jersey | 12 | 2 | New Jersey Department of Banking and Insurance |
| New Mexico | 8 | 1 | New Mexico Financial Institutions Division |
| New York | 11 | 3 | New York Department of Financial Services |
| North Carolina | 8 | 1 | North Carolina Commissioner of Banks Office |
| North Dakota | 8 | 0 | North Dakota Department of Financial Institutions |
| Ohio | 8 | 0 | Ohio Division of Financial Institutions |
| Oklahoma | 8 | 0 | Oklahoma Department of Consumer Credit |
| Oregon | 10 | 2 | Oregon Division of Financial Regulation |
| Pennsylvania | 8 | 1 | Pennsylvania Department of Banking and Securities |
| Puerto Rico | 8 | 0 | Puerto Rico Bureau of Financial Institutions |
| Rhode Island | 8 | 1 | State of Rhode Island Department of Business Regulation |
| South Carolina (BFI) | 8 | 1 | South Carolina Board of Financial Institutions |
| South Carolina (DCA) | 8 | 1 | South Carolina Department of Consumer Affairs |
| South Dakota | 8 | 0 | South Dakota Division of Banking |
| Tennessee | 8 | 0 | Tennessee Department of Financial Institutions |
| Texas (SML) | 8 | 0 | Texas Department of Savings and Mortgage Lending |
| Texas (OCCC) | 8 | 0 | Texas Office of Consumer Credit Commissioner |
| Utah (DRE) | 9 | 1 | Utah Division of Real Estate |
| Utah (DFI) | 8 | 0 | Utah Department of Financial Institutions |
| Vermont | 8 | 0 | Vermont Department of Financial Regulation |
| Virginia | 8 | 0 | Virginia Bureau of Financial Institutions |
| US Virgin Islands | 8 | 0 | Virgin Islands Division of Banking and Insurance |
| Washington | 9 | 1 | Washington Department of Financial Institutions |
| West Virginia | 9 | 2 | West Virginia Division of Financial Institutions |
| Wisconsin | 8 | 0 | Wisconsin Department of Financial Institutions |
| Wyoming | 8 | 0 | Wyoming Division of Banking |
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