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NMLS Mortgage Continuing Education 2023 State Deadlines

  • SMART Deadline:
  • Friday, December 8, 2023
  • At-Risk-To-Miss Renewal Deadline:
  • Friday, December 15, 2023
  • Guaranteed To Miss Renewal Deadline:
  • Friday, December 29, 2023
Note: Some states have alternate deadlines. See table below.
Complete Your CE Requirements Today

All state-licensed mortgage loan originators must complete annual continuing education (CE) requirements in order to renew their NMLS mortgage license. For most states, the NMLS recommends that all CE is completed by the SMART deadline of December 8th to ensure all credits are submitted and approved in time for mortgage license renewal on January 1st. This is the date you should aim for.

If you miss the SMART deadline, the next target you’ll want to hit is the At-Risk-to-Miss deadline which is December 15th. This date allows you to complete your mortgage CE requirements still on time, but your credit hours may not be approved in time for a January 1st renewal.

In ALL states, you have until December 29th to complete your mortgage CE requirements. Be aware, that if you wait until then your license will not renew on January 1st and you will not be able to originate loans until your mortgage CE credits are submitted, approved and your license is renewed.

Several states have alternate recommended early deadlines that they suggest you target to ensure your renewal application gets processed by the December 29th deadline. Make sure you know the mortgage CE deadlines for ALL states you are licensed in so you don’t miss your renewal. View the table below for each state’s deadline. Those that are early are highlighted in green.

State Deadline
Alabama December 29, 2023
Alaska December 29, 2023
Arizona December 29, 2023
Arkansas December 29, 2023
California (DFPI) December 29, 2023
California (BRE) December 29, 2023
Colorado December 29, 2023
Connecticut December 29, 2023
Delaware December 1, 2023
District of Columbia November 1, 2023
Florida December 29, 2023
Georgia October 31, 2023
Guam December 29, 2023
Hawaii December 29, 2023
Idaho December 1, 2023
Illinois December 29, 2023
Indiana (DFI) December 29, 2023
Indiana (SOS) December 29, 2023
Iowa December 1, 2023
Kansas December 1, 2023
Kentucky November 30, 2023
Louisiana December 29, 2023
Maine December 29, 2023
Maryland December 29, 2023
Massachusetts December 29, 2023
Michigan December 29, 2023
Minnesota December 29, 2023
Mississippi December 29, 2023
Missouri December 29, 2023
Montana December 29, 2023
Nebraska December 29, 2023
Nevada December 29, 2023
New Hampshire December 29, 2023
New Jersey December 29, 2023
New Mexico December 29, 2023
New York December 29, 2023
North Carolina December 29, 2023
North Dakota December 29, 2023
Ohio December 29, 2023
Oklahoma December 29, 2023
Oregon December 29, 2023
Pennsylvania December 29, 2023
Puerto Rico December 1, 2023
Rhode Island December 29, 2023
South Carolina (BFI) December 29, 2023
South Carolina (DCA) November 30, 2023
South Dakota December 29, 2023
Tennessee December 29, 2023
Texas (OCCC) December 29, 2023
Texas (SML) December 29, 2023
Utah (DFI) December 29, 2023
Utah (DRE) December 15, 2023
Vermont December 1, 2023
Virginia December 29, 2023
Virgin Islands December 29, 2023
Washington December 15, 2023
West Virginia November 1, 2023
Wisconsin December 29, 2023
Wyoming December 29, 2023

Not sure what CE to take?

If you aren’t certain of the mortgage CE requirements for the state(s) you are licensed in, you can review the state mortgage license requirements to ensure you are in-the-know with what you’ll need to complete.

Need CE for your team?

Explore our business solutions.

Need late continuing education?

Late continuing education (CE) enables you to renew your license if you did not finish your continuing education on time.enjoy the ability to complete their mortgage Late CE courses at their own pace and convenience to renew their license. Browse our late continuing education courses and stay licensed.


All of our mortgage CE course content is NEW for 2023, NMLS-approved, and offered in a variety of formats to suit everyone’s learning style and preference— online self-paced, video, and webinar.

For additional information about 2023 state requirements and deadlines, view our NMLS state-specific CE education requirements.