How to Get a Mortgage loan originator License in New York (2026)

New York State Department of Financial Services

New York State Department of Financial Services

The New York State DFS uses the Nationwide Mortgage Licensing System (NMLS) as the initial step in the Mortgage Loan Originator license application process.

Last verified Oct 25, 2026

Open the official agency page

https://www.dfs.ny.gov/who_we_supervise

The New York State DFS uses the Nationwide Mortgage Licensing System (NMLS) as the initial step in the Mortgage Loan Originator license application process.

Last verified Oct 25, 2026

Open the official agency page

https://www.dfs.ny.gov/who_we_supervise

The New York State DFS uses the Nationwide Mortgage Licensing System (NMLS) as the initial step in the Mortgage Loan Originator license application process.

Last verified Oct 25, 2026

20 hours

20

a person shall complete at least twenty hours of education approved in accordance with subdivision two of this section

Last verified Oct 25, 2026

Includes 3 hours of New York State law and regulations.

Includes 3 hours of New York State law and regulations.

Three hours of training on applicable New York State law and regulations as may be approved by the superintendent.

Last verified Oct 25, 2026

$250

250

Mortgage Loan Originator Original License 599-d $250

Last verified Oct 25, 2026

11 hours

11

a licensed mortgage loan originator shall complete, beginning in the year after such individual is licensed, at least eleven hours of education approved in accordance with subdivision two of this section

Last verified Oct 25, 2026

3 hours federal law and regulations; 2 hours ethics; 2 hours nontraditional mortgage lending standards; 3 hours New York law and regulations

3 hours federal law and regulations; 2 hours ethics; 2 hours nontraditional mortgage lending standards; 3 hours New York law and regulations

(a) Three hours of Federal law and regulations; (b) Two hours of ethics, which shall include instruction on fraud, consumer protection, and fair lending issues; (c) Two hours of training related to lending standards for the nontraditional mortgage product marketplace; and (d) Three hours of training on applicable New York State law and regulations.

Last verified Oct 25, 2026

Education credit: NMLSR-approved courses covering the federal, ethics and nontraditional-mortgage components in another state count toward New York prelicensing education.

Education credit: NMLSR-approved courses covering the federal, ethics and nontraditional-mortgage components in another state count toward New York prelicensing education.

Pre-licensing education courses approved by the NMLSR pursuant to paragraphs (a), (b) and (c) of subdivision one of this section for any state shall be accepted as credit towards completion of pre-licensing education requirements in this state.

Last verified Oct 25, 2026

Individuals originating mortgage loans with respect to New York residential real estate require a license, with limited exceptions.

Individuals originating mortgage loans with respect to New York residential real estate require a license, with limited exceptions.

requires all individuals (with limited exceptions) who engage in the business of a mortgage loan originator with respect to New York residential real estate, to obtain a license from the Superintendent of Financial Services

Last verified Oct 25, 2026

Renewal requests are annual and submitted electronically, including through NMLSR.

Renewal requests are annual and submitted electronically, including through NMLSR.

An annual request for renewal of a license as a mortgage loan originator shall be affirmed by the mortgage loan originator and submitted electronically, including through the NMLSR, in such form and in such manner as may be prescribed by the superintendent.

Last verified Oct 25, 2026