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2022 Deadlines Mortgage Loan Officers Need to Know
June 16, 2022

2022 Mortgage Loan Officer Continuing Education Deadlines

by The CE Shop Team

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: 

Alabama December 30, 2022 
Alaska December 30, 2022 
Arizona December 30, 2022 
Arkansas December 30, 2022 
California (DFPI) December 30, 2022 
California (BRE) December 30, 2022 
Colorado December 30, 2022 
Connecticut December 30, 2022 
Delaware December 1, 2022
District of Columbia November 1, 2022
Florida December 30, 2022 
Georgia October 31, 2022
Guam December 30, 2022 
Hawaii December 30, 2022 
Idaho December 1, 2022
Illinois December 30, 2022 
Indiana (DFI) December 30, 2022 
Indiana (SOS) December 30, 2022 
Iowa December 1, 2022
Kansas December 1, 2022
Kentucky November 30, 2022
Louisiana December 30, 2022 
Maine December 30, 2022 
Maryland December 30, 2022 
Massachusetts December 30, 2022 
Michigan December 30, 2022 
Minnesota December 30, 2022 
Mississippi December 30, 2022 
Missouri December 30, 2022 
Montana December 30, 2022 
Nebraska December 30, 2022 
Nevada December 30, 2022 
New Hampshire December 30, 2022 
New Jersey December 30, 2022 
New Mexico December 30, 2022 
New York December 30, 2022 
North Carolina December 30, 2022 
North Dakota December 30, 2022 
Ohio December 30, 2022 
Oklahoma December 30, 2022 
Oregon December 30, 2022 
Pennsylvania December 30, 2022 
Puerto Rico December 1, 2022
Rhode Island December 30, 2022 
South Carolina (BFI) December 30, 2022 
South Carolina (DCA) December 30, 2022 
South Dakota December 30, 2022 
Tennessee December 30, 2022 
Texas (OCCC) December 30, 2022 
Texas (SML) December 30, 2022 
Utah (DFI) December 30, 2022 
Utah (DRE) December 15, 2022
Vermont December 1, 2022
Virginia December 30, 2022 
Virgin Islands December 30, 2022 
Washington December 15, 2022
West Virginia November 1, 2022
Wisconsin December 30, 2022 
Wyoming December 30, 2022 

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.

Ready to Further Your Education With The CE Shop? 

Our Continuing Education courses are written by mortgage experts with decades of experience. Stay up to date on your requirements with our 100% online curriculum that’s one of the most diverse and groundbreaking in the industry. And if you want to network with your peers, join our Facebook group and get connected

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