Sort the renewal blocker before you submit.
What is still unfinished in NMLS?
Choose a focus to see the next checks and relevant sources. This tool does not determine eligibility, compliance or authority to work.
The 2027 renewal window in most states
The CSBS notice dated October 21, 2026 tells licensees to plan for annual renewal with two items that are new this year. Updated disclosure questions and the new employment-reporting requirements have to be completed in NMLS before a renewal request can be submitted. Checked November 10, 2026. Renewal in most states runs from November 1 through December 31. The NMLS page on renewing individual licenses or registrations gives state-licensed individuals that same window.
Submitting the request is not the same thing as every state agency approving the license. A state can still ask for an item the national window does not list. Federally registered mortgage loan originators also renew through NMLS by December 31. That path is summarized later. It is not a second calendar.
CSBS said in that October 21 release that approximately 80 percent of licensees had completed the new requirements. That figure is a point-in-time statement in the release. It is not a live count of who is finished today.
NMLS had encouraged the industry to finish the April updates by August 31, 2026, so the renewal season would be smoother. The May 6, 2026 CSBS note on the enhancements is where that early-prep date was urged. August 31 has passed. It is not the deadline that closes the window. Unfinished disclosure questions and employment reporting are a submit gate now, while the window is open.
The new submit gates before you can submit
Two gates sit in front of Submit, and continuing education is a third gate with its own guide. Clear the disclosure questions. Clear the employment-reporting fields. Attest. Then submit inside the open window. A course receipt, by itself, does not press Submit.
Updated individual disclosure questions
The revised individual disclosure questions deployed on April 18, 2026. The NMLS industry FAQ on disclosure questions, last edited May 5, 2026, says MU2 and MU4 individuals complete them. The questions are retroactive. Answer them as if for the first time. An explanation already on file can be reused or amended. Companies start the MU2 update. A company cannot submit the MU1 or MU3 renewal until those MU2 individuals have completed the revised questions and attested. The disclosure-question license item clears when the updated form is submitted.
The FAQ describes the edit at a high level: clearer wording, a misdemeanor question limited to ten years, control questions in their own section, and fewer places where "not applicable" is an allowed answer. This page does not reprint the question set. Company disclosure questions are not part of this revision. The same FAQ places the company question changes in Phase 4 of Modernization, in 2027. Do not tell a company filer that the MU1 question set has already been fully revised this cycle.
Employment reporting: company fields and your attestation
The Employment Reporting Enhancement Overview describes the April 18, 2026 release. Company users enter Position/Title, Work Phone, and Work Email on each Company Relationship. Those fields populate Employment History on the individual forms. Individuals cannot edit the company-entered fields. If a title, phone, or work email is wrong, ask the company to correct it before you attest.
The employment change is not retroactive for a relationship that ended before April 18, 2026. You can add an Employment Gap where the 10-year history needs one. Do not delete a historical row because you assume the new company fields rewrote the past.
Before you attest, read Employment History for a duplicate: a row you entered yourself that the Company Relationship has now replaced. Remove the duplicate you created. Leave the company-managed row for the company to fix.
What to clear before you hit Submit
| Item | Who acts | Where to confirm it |
|---|---|---|
| Revised disclosure questions | MU2 and MU4 individuals. The company starts MU2 updates. | The license item in NMLS, and the industry FAQ |
| Employment fields | The company enters title, work phone, and work email. You review and attest. | Employment History on your individual form |
| Continuing education | You, through an approved provider, until the hours are credit-banked | The CE deadline guide and your Education Record |
| Background check, credit report, state fees | Depends on the state | The official NMLS checklist and fees chart, not a table on this page |
| Other license items | Whoever the item names | Resolve a deficiency first when NMLS says it blocks renewal |
The individual renewal page also says to review the record, complete state-required continuing education, confirm that any required criminal background check and credit report are up to date, attest, and pay the fees. Some states require a new background check or credit report at renewal. Others do not. This page will not invent a 50-state table of those rules or of renewal fees. Use the Renewal Checklist Compiler and the Renewal Deadlines, Requirements, and Fees Chart, both reached from the NMLS page on gathering renewal requirements. When a state does require a new check, the fingerprinting guide is the background-check note. The company relationship itself is the sponsorship guide.
Continuing education is still required
State-licensed mortgage loan originators still need annual continuing education before renewal. NMLS can block renewal while those hours are missing or still waiting to be credit-banked. The December 5 SMART deadline, the allowance of up to seven days for a provider to bank a completion, and the Late CE path for a prior-year gap are already on the CE deadline guide. The CE tracker is the hour checklist. This page does not repeat that timeline. If education is the item still open, finish it there. If the hours are already banked and Submit is still blocked, the disclosure and employment gates above are what is left.
Federally registered MLOs
The federal instructions for renewing and reactivating MLO registrations put that renewal in the same November 1 through December 31 window. The institution requests renewal of the MLO registration, generally after the institution's own renewal. The originator still has to attest by December 31. If the attestation is missed, NMLS describes the result as Inactive – Failed to Renew, and reactivation is a separate request. This page is not a bank operations manual. Read the live federal page before you rely on a status label, and do not copy a processing-fee figure onto this article from memory.
What this page will not do
It will not replace the CE deadline article, the fingerprinting rules, or a state fee chart. A long gap away from licensure is the PE expiration guide. Temporary authority is a different status, on the temporary authority guide. The 2027 testing-fee proposal is an exam cost, covered on test fee 2027, not a renewal filing fee. None of those pages file the renewal either.
Where MortgagePass fits
MortgagePass is useful only if you are still preparing for the SAFE exam or a retake. PE versus exam prep separates the required course from practice. How hard the NMLS exam is is the exam-stage note. The mortgage hub is the map. MortgagePass does not file a renewal, does not attest for you, and is not an NMLS-approved continuing-education provider.
Finish the revised disclosure questions and the employment-reporting updates in NMLS, attest, and submit during the open window. If education is the remaining blocker, use the CE deadline guide. Confirm any state-specific background check, credit report, or fee on the official NMLS checklist.
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A little more clarity
Questions, answered.
When is NMLS annual renewal for 2027?
In most states, state-licensed individuals and companies renew in NMLS from November 1 through December 31. Federally registered originators also renew through NMLS by December 31.
Why is Submit blocked if I think I am ready?
New this year, updated disclosure questions and the new employment-reporting requirements have to be completed before a renewal request can be submitted. Continuing education can block renewal as well, on its own track.
Who completes the updated disclosure questions?
MU2 and MU4 individuals. The questions are retroactive. Companies start MU2 updates and cannot submit MU1 or MU3 until those individuals complete the questions and attest.
Did company disclosure questions change this year?
No. The industry FAQ places company disclosure-question revisions in Phase 4 of Modernization, in 2027. Individual questions are the set that changed on April 18, 2026.
Who enters position, work phone, and work email?
The company enters those fields on the Company Relationship. You review Employment History and attest. You cannot edit the company-entered fields yourself.
Does the employment change rewrite old jobs?
No. It is not retroactive for a relationship that ended before April 18, 2026. You may add an Employment Gap for the 10-year history.
Where do background checks and state fees belong?
On the official NMLS Renewal Checklist Compiler and the Renewal Deadlines, Requirements, and Fees Chart. This page does not publish a 50-state table.
Does MortgagePass file the renewal or provide CE?
No. MortgagePass is SAFE exam practice. It is not NMLS, not a renewal filer, and not a continuing-education provider.
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