General Information and Resources for Mortgage Industry
- Application Fee Schedule and Annual Assessment Charges
- Counseling Disclosure Form for Loans Guaranteed Under Servicemen’s Readjustment Act of 1944
- Reverse Coop Apartment Unit Loan Housing Counselors
- Frequently Asked Questions - Mortgage Forbearance Statute - Section 9-x of the New York Banking Law
- Frequently Asked Questions - Mortgage Loan Servicer Business Conduct Rules (3 NYCRR 419)
- 2018 Changes to Reverse Mortgage Foreclosure Process
- RPAPL 1308 Exemption Form (PDF)
- Temporary Authority - to act as a Mortgage Loan Originator
- Warehouse Line Providers Approved by DFS
"What Mortgage Applicants Need to Know" Resources for Lenders
New York Banking Law has been amended by Chapter 566 of the Laws of 2024. This change requires the Department to create, post and share information with all licensed lenders and banking organizations that offer residential mortgage services. Those resources are available in our DFS Help for Homeowners section to be shared with mortgage applicants according to the type of loan being offered.
Industry Letters
- RPAPL 1308, Inspecting, Securing & Maintaining Zombie Properties Industry Guidance (September 2017) (PDF)
- Total Number of Residential Real Property Mortgages Originated in New York State in 2021
- Amendments to Part 39
- Mortgage Banking-Related Industry Letters
Electronic Submission of Application Materials
DFS accepts mortgage related application materials at the following dedicated email address: [email protected]
Where DFS needs originals of certain documents, as outlined on the application checklists posted on the Nationwide Multistate Licensing System (NMLS) it will accept online submission first so that mail delays do not hold up processing of the application, the original must be submitted by mail within 5 days of electronically filing the application through NMLS. Confidential files should be encrypted or password protected. Mortgage Banking will contact the sender for the password or encryption key.
General Inquiries:
Please use the following email addresses for questions regarding the status of an application, licensing requirements or mortgage banking law and regulations.
- Mortgage bankers or applicants: [email protected]
- Mortgage brokers or applicants: [email protected]
- Mortgage loan servicers or applicants: [email protected]
- Mortgage loan originators or applicants: [email protected]
- Exempt entities or those seeking an exemption: [email protected]