Texas Mortgage Loan Originator License Renewal Guide

Maintaining an active license is essential for mortgage professionals operating in the state of Texas. Completing your mortgage loan originator license renewal Texas requirements on time ensures you remain fully authorized to originate residential mortgage loans without disruption. The licensing process is overseen by the Texas Department of Savings and Mortgage Lending (SML).

Contents
  1. Renewal Cycle & Expiration Date
  2. Continuing Education (CE) Requirements
  3. Renewal Fee
  4. Step-by-Step Renewal Checklist
  5. What Happens If You Renew Late?
  6. Regulatory Agency Contact Information

Renewal Cycle & Expiration Date

In Texas, Mortgage Loan Originator (MLO) licenses must be renewed annually. All licenses follow a fixed expiration date of December 31 each year. Originators should prepare and submit their renewal applications well ahead of the December 31 deadline to avoid end-of-year processing backlogs.

Continuing Education (CE) Requirements

Continuing education is mandatory for annual license maintenance. To qualify for renewal, licensed Mortgage Loan Originators in Texas must complete:

  • 8 hours of approved continuing education (CE) annually.

Make sure to complete your required coursework early so that your education provider has sufficient time to report your completed hours before the submission window closes.

Renewal Fee

The standard fee for renewing an active Mortgage Loan Originator license in Texas is:

  • $90 per annual renewal cycle.

Ensure that all required payments are made according to the official filing instructions provided by the regulator.

Step-by-Step Renewal Checklist

  1. Check Your Expiration Date: Confirm that your license is current and set to expire on December 31.
  2. Complete CE Hours: Finish the required 8 hours of approved continuing education courses.
  3. Review License Record: Ensure that all contact details, legal disclosures, and sponsorship records are up to date.
  4. Submit Renewal Application & Pay the Fee: File your renewal request and submit the $90 renewal fee.
  5. Verify Approval: Confirm with the Texas Department of Savings and Mortgage Lending that your renewal has been processed and your license status remains active.

What Happens If You Renew Late?

Failing to renew by the December 31 deadline can place your license into an inactive or expired status. Originating mortgage loans without an active license is prohibited by state law and can lead to regulatory enforcement, fines, or delays in getting your license reinstated. If your license lapses, contact the agency immediately for guidance on reinstatement procedures.

Regulatory Agency Contact Information

For official inquiries, portal assistance, or specific questions about your license standing, contact the state regulator:

The renewal details on this page were researched automatically using AI-assisted web search on August 14, 2026 and have not yet been manually confirmed by a human editor. Please verify current requirements directly with the licensing agency linked above before relying on this information.

Sources consulted during automated research: www.sml.texas.gov, www.sml.texas.gov, www.sml.texas.gov.

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