Questions & Answers

What are my Mortgage Loan Originator continuing education and license renewal requirements?

Licensed Mortgage Loan Originators (MLOs) must complete the following items every year that they hold the license:

  1. Complete the required 8 Hour SAFE Comprehensive MLO Continuing Education Course*. Some states may have additional state-specific education to be completed. For example, both Minnesota and Florida require 1 Hour of State-Specific education for licensed MLOs.

    *Larson Educational Services offers the NMLS approved CE courses through a partnership with OnCourse Learning (Provider ID: 1400013). Course registration, course completion documentation and student support is all handled by the team at OnCourse Learning.

  2. OnCourse Learning Student Support Contact Info

    800-536-0068
    support@oncourselearning.com

    Monday - Thursday, 8:30am - 8pm EST
    Friday, 8:30am - 7pm EST
    Saturday, 10am - 2pm EST (email support only)
    Closed Sunday and Holidays

  3. Submit a License Renewal Request and pay associated fees through NMLS.
  4. Authorize NMLS to obtain an independent credit report.
  5. Complete all renewal steps between November 1 and December 31 for Florida MLOs. Minnesota MLOs must submit for renewal by December 1.
Renewal Requirements
CE Course Catalog

I completed the 20 Hour SAFE Comprehensive Course in 2024 and received my MLO license in 2025. Am I still required to complete continuing education to renew my license by December 31, 2025?

Yes. It does not matter when you received your license. All that matters is the year in which you completed the pre-licensing 20 Hour SAFE Comprehensive Course. If you completed the 20 Hour Course in 2024, you will need to do Continuing Education in 2025. If you completed the 20 Hour Course in 2025, you will not need to do Continuing Education in 2025.

How much does it cost to renew my Florida Mortgage Loan Originator License?

When you renew your license online on the NMLS website, you will be required to pay the following fees:

  • $150 Florida renewal fee
  • $20 Florida guaranty trust fee
  • $6 FDLE retained fingerprint fee (fingerprints are good for 5 years)
  • $36.25 Federal background check (fingerprints are good for 5 years)
  • $35 NMLS processing fee
  • $15 credit report fee

The total cost to renew your Florida Mortgage Loan Originator license is $262.25.

How much does it cost to renew my Minnesota Mortgage Loan Originator License?

When you renew your license online on the NMLS website, you will be required to pay the following fees:

  • $50 Minnesota renewal fee
  • $36.25 Federal background check (fingerprints are good for 3 years)
  • $35 NMLS processing fee
  • $15 credit report fee

The total cost to renew your Minnesota Mortgage Loan Originator license is $136.25.

How does NMLS know I completed the 8 Hours of MLO Continuing Education?

As an NMLS approved continuing education provider, OnCourse Learning has electronic access to upload your completed hours directly to NMLS after completion of your course. You will be required to provide your NMLS Identification Number to OnCourse Learning either at enrollment or during the course so that they can send the information to NMLS.

When can I submit for license renewal through NMLS?

NMLS will accept renewal applications beginning November 1, 2025.

Can I renew my license before November 1, 2025?

No. NMLS will not be available for renewals prior to that date.

When is the deadline to submit my renewal?

  • All Florida mortgage loan originators must submit renewals before December 31, 2025.
  • All Minnesota mortgage loan originators must submit renewals before December 1, 2025.

Do I need to complete 8 Hours of Continuing Education before I submit my renewal?

Yes. NMLS requires that you complete your 8 Hours of Continuing Education prior to submitting for renewal.

Can I take an 8 Hour Continuing Education class in November and still renew my license by December 31, 2025?

Yes. When you take a class with OnCourse Learning, they upload your completed hours of education to the NMLS system at the conclusion of the course. Within 48 hours of your completed class, you can renew your license through NMLS.

Do I have to take a test at the end of the 8 hour MLO Continuing Education Course?

Yes. In 2012, NMLS began requiring an end-of-course exam for ALL continuing education courses. 

How can I contact the Nationwide Mortgage Licensing System (NMLS) with questions?

NMLS can be contacted at 855-665-7123.

If you have specific questions about the Mortgage Call Report, you can also send an email to NMLS at NMLSMCR@csbs.org.