Renew your MLO license with the right NMLS CE course.
Pick your state to compare NMLS-approved mortgage continuing education providers — full-requirement package prices, state-specific courses, deadlines, discounts, and reporting speed — before you enroll.
How CertLaunch works
Three steps: choose your state, compare NMLS-approved CE providers for the full requirement, then use the right discount or provider checkout path.
Pick your state
The hour total, state-specific course, and CE deadline are set per state. Start with the state where you hold an active MLO license so you see the exact requirement and complete packages.
Compare CE providers
Review NMLS-approved providers whose package covers your state's full requirement, with real package prices, delivery format, discounts, and NMLS reporting speed side by side.
Use the right checkout path
CertLaunch sends you to the provider checkout. Use the code or partner link there, finish your hours before your state's deadline, and let the provider report completion to NMLS.
Popular state CE pages
Start with a high-volume renewal market, or open the full state list below.
MLO CE discounts
Use this section before checkout. The best CE price often depends on the correct code or partner link.
RealEstateU
10% off RealEstateU MLO CE packages — a flat $99 list price in every state, even the 11-hour New York and 12-hour New Jersey packages.
Copy CERTLAUNCH, choose your state MLO CE package, paste the code into the checkout field, and confirm the total changed before payment.
The CE Shop
Public monthly promo codes and flash-sale pricing on The CE Shop’s mortgage CE catalog change by category and date.
Open the CertLaunch The CE Shop page for the current continuing-education code, then confirm the checkout total before paying.
Choose an MLO CE course by state
Each state page compares NMLS-approved continuing-education providers by required hours, state-specific courses, full-requirement package price, format, deadline, and current CertLaunch discount instructions.
MLO continuing education by state
Every state-licensed mortgage loan originator completes NMLS-approved continuing education each year under the federal SAFE Act. The baseline is 8 hours — 3 hours of federal law, 2 hours of ethics, 2 hours of non-traditional mortgage lending, and 1 hour of electives — but the exact requirement is shaped by your state, so the right course depends on where you hold your license.
Start with your state requirement
About half the states replace the elective hour with a required state-specific course (Arizona, California-DFPI, Connecticut, Florida, Georgia, Hawaii, Idaho, Kentucky, Maryland, Massachusetts, Minnesota, Missouri, New Mexico, North Carolina, Pennsylvania, Rhode Island, and South Carolina), and five states require more than 8 total hours: New Jersey (12), New York (11), Oregon (10), Utah-DRE (9), Washington (9), and West Virginia (9). A generic national 8-hour course does not complete renewal in those states. Each state page lists the exact requirement with the official NMLS source cited.
Watch the deadline — several states are early
Most states run to December 31, but Georgia's deadline is October 31, West Virginia's is November 1, Kentucky and South Carolina-DCA close November 30, five states close December 1, and Utah-DRE and Washington close December 15. Course providers can take up to 7 days to report completions to NMLS, and you cannot submit your renewal until the hours post — so the practical finish line is always about a week before the official date.
The successive-years rule
NMLS prohibits taking the same approved course two years in a row. You do not need a new provider each year — just the current-year edition of the course. Providers that rewrite their CE annually make repeat years simple; each state page notes which ones do.
Compare the full-requirement package, not a single course
The most common mistake is buying a cheap course that leaves you short — a national 8-hour package in an 11-hour state, or a bundle missing the required state course. CertLaunch state pages show the price of a complete package that satisfies the full state requirement at each provider, so you are comparing like for like, and flag when a budget option only covers part of the requirement.
Discounts and NMLS reporting
Compare the final checkout price after any code or partner link is applied, plus the NMLS credit banking fee most providers add at checkout. Also check reporting speed — providers range from next-day to 7-business-day reporting, which matters when your deadline is close.