Arizona mortgage loan originators must complete 8 hours of NMLS-approved continuing education annually. Arizona requires 1 hour of state-specific CE covering Arizona mortgage law.

​

• 3 hours of federal law

• 2 hours of ethics, including fraud, consumer protection, and fair lending

• 2 hours of non-traditional mortgage lending

• 1 hour of Arizona state-specific education

​

Arizona MLOs who completed pre-licensure education and received initial license approval in 2026 are not required to complete CE this year.

The deadline to complete Arizona NMLS continuing education is December 31. Course completions can take up to 7 days to be reported to NMLS — complete your Arizona CE by December 5 to avoid missing the renewal window.

ARIZONA NMLS PRE-LICENSURE EDUCATION REQUIREMENTS — 20 HOURS

New Arizona mortgage loan originators must complete 20 hours of NMLS-approved pre-licensure education, including 4 hours of Arizona state-specific law. The state law requirement can be satisfied with either a comprehensive Arizona course or a state-specific elective.

​

• 3 hours of federal law

• 3 hours of ethics, including fraud, consumer protection, and fair lending

• 2 hours of non-traditional mortgage lending

• 4 hours of Arizona state-specific law

• 8 hours of electives

​

Note: Arizona has enacted PE expiration. Your pre-licensure education credits may expire under certain conditions. Review the NMLS State Licensing Checklist for details before applying.

After completing PE, candidates must pass the SAFE MLO Test before applying for a license in NMLS. The application process includes a criminal background check, credit check, and employment sponsorship from a licensed mortgage company. Once all requirements are satisfied, the state regulator reviews and approves the application through NMLS.

For more information on Arizona licensing requirements, visit the official NMLS State-Specific Requirements page.