December 31. Your MLO renewal, punched.
Every Florida loan originator license has to be renewed by the same day each year: December 31, 2026. Punch in your 8 CE hours, make sure NMLS shows them, put the date on your calendar, and renew. Free, no sign-up, and it all stays on this phone.
Your Florida MLO license
Statewide date: Florida MLO license renewals are due December 31, 2026. source
The next date, 1 years on. The board renews on this cycle but hasn't posted this date yet; check the NMLS renewal guide.
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How to renew
- Finish 8 hours of NMLS-approved CE this year: 3 hours of federal law, 2 of ethics (fraud, consumer protection and fair lending), 2 on nontraditional mortgage lending, and at least 1 on Florida's Chapter 494 and rule 69V-40.
- Check NMLS. Florida renews only once the Registry confirms your 8 hours are done (rule 69V-40.0313).
- Authorize the credit report in NMLS. The statute says the cost of the report is yours.
- Submit your renewal in NMLS. The renewal window runs November 1 to December 31.
- Pay through NMLS on or before December 31, 2026. Florida's part is $176 under the rule; NMLS adds its own fees.
- Answer any OFR request within 30 days. Florida reviews every renewal; if you filed by December 31, your license stays active until OFR approves or denies it.
| Fee (rule 69V-40.0313) | Amount |
|---|---|
| Renewal fee | $150 |
| Mortgage guaranty fund fee | $20 |
| Fingerprint retention | $6 |
| Total to Florida, on time | $176 |
| Reactivation fee (Jan 1 to end of Feb), added | $150 |
| Total to Florida, Jan 1 to end of Feb | $326 |
The $150 renewal fee is in s. 494.00313. The $20 fund fee is charged only while s. 494.00172 requires it. NMLS processing and credit report fees are on top and aren't on this card. Active-duty service members and their spouses, veterans who served on active duty in the 2 years before the license expires, and some surviving spouses can have the renewal fees waived (s. 494.00313(4)).
If you miss December 31
- Rule 69V-40.0313: a license not renewed "before January 1 of the renewal year shall revert from active to inactive status."
- You can still renew from January 1 to the end of February in the NMLS reinstatement period, with a $150 reinstatement fee on top ($326 to Florida in all).
- Statute: if you don't meet the requirements and pay "before March 1, such license is expired." Then you apply for a new loan originator license.
Where every number comes from
- Renewed annually by December 31; filed on time stays active until OFR decides: s. 494.00312(7), Florida Statutes
- $150 renewal fee, 8 CE hours, credit report, failed to renew, $150 reinstatement, March 1, military waiver: s. 494.00313, Florida Statutes
- $176 total, 1 hour of Florida law, inactive on January 1, $326 to reactivate before March 1, 30-day replies: Rule 69V-40.0313 (Cornell LII)
- 3 hours federal law, 2 ethics, 2 nontraditional lending: 12 U.S.C. 5105 (SAFE Act, Cornell LII)
- November 1 to December 31 window; January to February reinstatement: NMLS: annual renewal overview for individuals
- Chapter 494 loan originators renew through NMLS by December 31: Florida OFR: renew your license (Dec 2025 alert)
Checked November 11, 2026.
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