2022 Mortgage Loan Officer Continuing Education Deadlines

What Deadlines Should MLOs Keep Top of Mind?

As a Mortgage Loan Officer, you have continuing education requirements that are due every year in order to renew your license and keep it current. Although the national requirements are fairly straightforward, some states have different rules and guidelines for when they want you to complete your required education. So how do you know what your specific deadlines are? Here’s a guide you can refer back to when you’re unsure.

Let’s start off with MLO Continuing Education deadline basics.

What Are the Types of SMART CE 2022 Deadlines?

There are three different general deadlines that the NMLS enforces regarding Continuing Education. They are:

1. Smart Deadline: CE course(s) reported to NMLS by 12/9/2022

2. At Risk to Miss Renewal: CE course(s) reported to NMLS by 12/16/2022

3. Guaranteed to Miss Renewal: CE course(s) reported to NMLS on 12/30/2022

Here’s an overview of each state's "guaranteed to miss" deadlines:

Remember: Although some states have alternate recommended early deadlines, each states' deadline is December 30th for mortgage Continuing Education to be completed. It is important to note that if you do wait until December 30th to renew, it may not be approved before January 1st and you'll have to wait until your CE credits are submitted and approved for your license to be renewed and usable again.

As an MLO you should shoot to have your education done by the SMART deadline, but what happens if you miss renewal? You’ve got another option.

What is Late Continuing Education?

If you miss your deadline, you have the chance to take late Continuing Education. Late Continuing Education consists of courses that an MLO or Mortgage Broker is required to complete to make up their CE requirement during the 60-day reinstatement period following the annual licensure renewal period.

Looking for your state’s requirements? NMLS has put together this handy list of their state specific requirements.