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NMLS-Approved Mortgage Continuing Education

Renew your MLO license with ease.

NMLS-approved continuing education for mortgage loan officers (MLO)

Partner with us

  • NMLS-approved continuing education training available each January
  • Multiple course formats available - including private classes!
  • Simplified LMS built for mortgage companies

Available CE course formats

Learn concepts faster by choosing a format that best suits your learning style.

Online self-paced video

Video CE is the easiest way to take your mortgage continuing education and only requires that you press play on each video. All of our content has been updated for the 2025 renewal year and is NMLS-approved. Learn More About Video CE

Online self-paced

This course is entirely self-paced, allowing you to start and finish at your convenience. Shop Self-Paced Courses

Webinars

Our fast-paced webinars are led by live instructors, giving you the opportunity to engage and ask questions. Shop Webinars

Classroom

MLOs can complete their continuing education requirements in a face-to-face classroom setting. Check out our in-person training schedule to find a class near you! (Available in select cities) Shop In-Person Classes

Looking for late CE training?

Renew your license if you did not finish your continuing education on time with mortgage late continuing education.

Continuing education explained

Important details to know about mortgage license renewal.

Requirements

The NMLS states that all MLOs must comply with the SAFE Act (The Secure and Fair Enforcement for Mortgage Licensing Act), which requires MLOs with a state license to complete continuing education each year. To start your continuing education training, you will need your NMLS number.

To meet your mortgage CE requirements and maintain your mortgage license status, you are required to complete a minimum 8 hours of NMLS-approved education covering these topics:

  • 3 hours of federal law and regulations
  • 2 hours of ethics, including instruction on fraud, consumer protection, and fair lending
  • 2 hours of non-traditional mortgage lending
  • 1 hour of undefined "electives" on mortgage origination

Deadlines

The NMLS recommends completing your 2025 CE according to these renewal deadlines:

  • SMART Deadline: December 5, 2025
  • At-Risk-To-Miss Deadline: December 12, 2025
  • Guaranteed To Miss Deadline: December 26, 2025

Some states have earlier recommended deadlines. To find your state-specific CE deadlines for 2025, visit our CE deadline page.

State-specific CE requirements

Some states require their own state-specific hourly requirements in addition to national hours for continuing education, while other states do not require any state-specific CE hours.

For example, Florida requires a 7-hour national CE course and 1 hour of Florida state-specific training. Conversely, Colorado only requires an 8-hour national CE course to keep an MLO license active in their state.

If you are licensed in multiple states, make sure to review your state requirements and follow them closely.

Finding the right CE courses

Meeting your CE hourly requirements can be a hassle when searching for the right training. That's why we developed Smart Search, our intuitive course selection tool. Just choose the state(s) where you're licensed, and a tailored list of NMLS-approved CE courses will appear based on your selections.

Common questions

We've got answers to the most commonly asked continuing education questions.

Every state requires at least 8 hours of national NMLS-approved continuing education. Some states require additional hours specific to the state. To find out which continuing education courses you are required to take, use our Smart Search course selector, where you can enter the states you need CE for, and we’ll show you the exact courses needed to meet the minimum hourly requirements for the states you have chosen.

The SAFE Act does not permit licensed MLOs to complete the same course in two successive renewals. Fortunately, we create new courses every year, meaning you'll always get the most up-to-date education and you will never have to worry about whether or not you're meeting the "successive years" rule.

Many states allow for a reinstatement period, typically from January 1 to February 28. During this reinstatement period, you must complete continuing education specifically approved by the NMLS as “Late CE”. Our late CE courses are NMLS-approved and are available for every state.

The NMLS requires all completed hours to be "banked" with the NMLS. OnCourse Learning, as your NMLS-approved course provider, will submit your completion record to the NMLS within seven days after you have finished your coursework and your session has ended. The NMLS charges $1.50 per credit hour to "bank" your credit hours.

You can visit the NMLS website for assistance or call 855-665-7123, press option 2, then press option 1, to speak with an NMLS representative.


View more frequently asked questions
Helpful Links
  1. Mortgage continuing education deadlines for 2025
  2. State requirements for continuing education