Michigan Mortgage Loan Originator License Renewal

Maintaining an active license is critical for conducting mortgage business in the state. Completing your mortgage loan originator license renewal Michigan on time ensures you avoid compliance disruptions and retain your ability to originate loans. Licensing is regulated by the Michigan Department of Insurance and Financial Services (DIFS). Below is a clear overview of the requirements, deadlines, and renewal steps.

Renewal Cycle & Expiration Date

In Michigan, Mortgage Loan Originator (MLO) licenses are renewed annually. The license follows a fixed expiration pattern, expiring every year on December 31. Licensees must complete all requirements before the annual deadline to ensure continuous authorization to practice.

Continuing Education (CE) Requirements

Continuing education is mandatory to keep your license in good standing:

• Required CE: Yes
• Hours Required: 8 hours

Ensure that all 8 hours of approved continuing education are completed and reported in advance of the December 31 deadline so that your renewal application can be processed smoothly.

Renewal Fee

The standard fee to renew a Mortgage Loan Originator license in Michigan is $225. This fee must be paid at the time of your annual renewal application submission.

How to Renew: Step-by-Step Guide

1. Review Your Expiration Date: Confirm your renewal timeline ahead of the fixed December 31 expiration date.
2. Complete CE Hours: Finish the mandatory 8 hours of continuing education through an approved education provider.
3. Submit Renewal Application: Access your licensing portal to file your annual renewal filing for DIFS.
4. Pay the Renewal Fee: Submit the $225 renewal fee.
5. Confirm Status: Monitor your licensing record to verify that the renewal has been approved by the Michigan Department of Insurance and Financial Services.

What Happens If You Renew Late?

Failing to renew by the December 31 deadline puts your license at risk of lapsing or becoming inactive. Operating with an expired MLO license may prevent you from legally originating mortgage loans and could complicate reinstatement. If your renewal deadline has passed, contact the Michigan Department of Insurance and Financial Services directly at 877-999-6442 to learn about late filing or reinstatement procedures.

Licensing Board Contact Information

For official inquiries or status checks, contact the regulatory agency:

• Agency: Michigan Department of Insurance and Financial Services (DIFS)
• Phone: 877-999-6442
• Website: michigan.gov/difs