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Mortgage/ Continuing Education/ New York/ 11-Hr. NY MLO 2026 CE Package
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11-Hr. NY MLO 2026 CE Package

$129
This product includes:
Elective Hours: 3 Mandatory Hours: 8 Total Hours: 11
Description
Package content and courses
State Requirements

This complete package includes all 11 hours of annual continuing education required of individuals maintaining a state-issued mortgage loan originator (MLO) license in New York.

Courses included in this package:

  • 8 Hour SAFE Comprehensive: 2026 Mortgage Loan Originator Course 
  • 3 Hour NY SAFE: 2026 New York Law Review Course 

Package Content:
3 Hour NY SAFE: 2026 New York Law Review

A mortgage loan originator (MLO) licensed in New York is required to complete 11 total hours of continuing education annually. This includes:

  • Three hours on federal mortgage-related laws
  • Two hours on ethics, fraud, and consumer protection
  • Two hours on traditional and non-traditional mortgage products
  • One hour on elective content

Three hours of New York-specific education This online self-study course satisfies the three hours of required state-specific education. Within the course, students will spend time reviewing state regulations and acts impacting mortgage loan origination activities; perusing scenarios, examples, or case studies; and completing exercises to demonstrate understanding of the content.
8 Hour SAFE Comprehensive: 2026 Mortgage Loan Originator Course

This online self-study course satisfies the eight hours of 2026 annual continuing education required of individuals maintaining a state-issued mortgage loan originator (MLO) license. Within this course, students will spend time reviewing required topics, including:

  • Three hours on federal mortgage-related laws
  • Two hours on ethics, fraud, and consumer protection
  • Two hours on lending standards related to nontraditional mortgage products
  • One hour on elective content

State Requirements For New York

New York Requirement Detail for Mortgage Continuing Education

Hours Required by the State: 11 hours 

  • 3 hours of federal law

  • 2 hours of ethics

  • 2 hours of non-traditional mortgage lending

  • 1 hour of elective

  • 3 hours of state-specific education

Note: NY-DFI will not accept any hours of other state-specific education to count towards the 1 hour of elective. MLOs are advised to complete either an 11 hour NY Comprehensive course or an 8 hour Comprehensive course and a 3 hour NY elective course.

An MLO who has completed their pre-licensure education (PE) course requirements in the same year in which the license was approved is not required to complete CE within the same year.

Successive Years Rule:

A licensee may not take the same CE course two years in a row.

Seat Time:

Seat time will be enforced and our online course delivery system manages this requirement.

 

NMLS Provider # 1405076

Course Completion Reporting:

Mortgage course completions are reported to the Nationwide Multistate Licensing System and Registry (NMLS). The CE Shop will report credits to the NMLS within 7 business days of course completion. The NMLS recommends completing CE prior to the 12/31 deadline as licensees are unable to apply to renew their license if their CE is not complete.

 

NMLS Recommended Deadline Time Frames: SMART CE, AT RISK TO MISS, and GUARANTEED TO MISS deadlines can be found here.

New York Contact Details for Mortgage Continuing Education

New York Department of Financial Services
Email: MLO@dfs.ny.gov
Website: New York Department of Financial Services

NMLS Resources for Mortgage Continuing Education

New York MLO License Description Page
Professional Standards: Mortgage Education
Professional Standards: Criminal Background Check 
Professional Standards: Credit Report
Professional Standards: MLO Testing