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NMLS Mortgage Continuing Education 2025 State Deadlines

  • SMART Deadline:
  • Friday, December 5, 2025
  • At-Risk-To-Miss Renewal Deadline:
  • Friday, December 12, 2025
  • Guaranteed To Miss Renewal Deadline:
  • Friday, December 26, 2025
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 5th 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 12th. 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 26th 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 26th 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 27, 2025
Alaska December 27, 2025
Arizona December 27, 2025
Arkansas December 27, 2025
California (DFPI) December 27, 2025
California (DRE) December 27, 2025
Colorado December 27, 2025
Connecticut December 27, 2025
Delaware December 1, 2025
District of Columbia November 1, 2025
Florida December 27, 2025
Georgia October 31, 2025
Guam December 27, 2025
Hawaii December 27, 2025
Idaho December 1, 2025
Illinois December 27, 2025
Indiana (DFI) December 27, 2025
Indiana (SOS) December 27, 2025
Iowa December 1, 2025
Kansas December 1, 2025
Kentucky November 30, 2025
Louisiana December 27, 2025
Maine December 27, 2025
Maryland December 27, 2025
Massachusetts December 27, 2025
Michigan December 27, 2025
Minnesota December 27, 2025
Mississippi December 27, 2025
Missouri December 27, 2025
Montana December 27, 2025
Nebraska December 27, 2025
Nevada December 27, 2025
New Hampshire December 27, 2025
New Jersey December 27, 2025
New Mexico December 27, 2025
New York December 27, 2025
North Carolina December 27, 2025
North Dakota December 27, 2025
Ohio December 27, 2025
Oklahoma December 27, 2025
Oregon December 27, 2025
Pennsylvania December 27, 2025
Puerto Rico December 1, 2025
Rhode Island December 27, 2025
South Carolina (BFI) December 27, 2025
South Carolina (DCA) November 30, 2025
South Dakota December 27, 2025
Tennessee December 27, 2025
Texas (OCCC) December 27, 2025
Texas (SML) December 27, 2025
Utah (DFI) December 27, 2025
Utah (DRE) December 15, 2025
Vermont December 1, 2025
Virginia December 27, 2025
Virgin Islands December 27, 2025
Washington December 15, 2025
West Virginia November 1, 2025
Wisconsin December 27, 2025
Wyoming December 27, 2025

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 2025, 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 2025 state requirements and deadlines, view our NMLS state-specific CE education requirements.