Skip to Content

Mortgage Loan Originator License Application Introduction & Instructions

Article 12-E of the New York Banking Law, which went into effect on July 11, 2009, 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 Banks.

The New York State Department of Financial Services uses the Nationwide Mortgage Licensing System (NMLS) as the initial step in the Mortgage Loan Originator license application process. The NMLS can also be used to renew, amend or surrender an existing license. (NMLS itself does not grant or deny license authority.)

Before beginning the application process with the Department of Financial Services , you will be required to register on the Nationwide Mortgage Licensing System (NMLS). You will be given a Unique Identifier by the NMLS that must be written on the upper right-hand corner of every hard-copy document submitted to the Department of Financial Services .



Nationwide Mortgage Licensing System & Registry (NMLS) is a secure web-based system for mortgage origination licensing used by certain participating states, the District of Columbia and U.S. Territories.  NMLS allows state licensees, companies, branches, and loan officers, to apply for, amend, update or renew licenses online in New York as well as in other participating states. 

NMLS was created by the Conference of State Bank Supervisors (CSBS) and the American Association of Residential Mortgage Regulators (AARMR).  It is owned and operated by the State Regulatory Registry LLC (SRR), a subsidiary of CSBS.  The system was built and is maintained by the Financial Industry Regulatory Authority (FINRA).

To learn more about the NMLS System or to register with NMLS click on the link below.

link to nmls web site

NMLS also provides consumers with access to NMLS Consumer Access, a web-based search tool that allows the public to view information concerning state-licensed mortgage companies, branches, and individuals. Learn more about NMLSConsumer Access at

NOTE: NMLS requires browser editions of Microsoft Internet Explorer be 7.0 or later and Firefox 2.0 or later.
Browsers should be JavaScript enabled have a high-speed Internet connection.

In addition to an online application submitted to the NMLS, individuals are required to submit supplementary documents directly to the Department of Financial Services, including fingerprints, credit history, and documentation related to financial and criminal disclosures. For more detailed information on the application process see Application Instructions.

For a helpful list of frequently asked questions relating to MLO Licensing visit the FAQ Page.

If you need further assistance or have questions about the Department's licensing process contact the Mortgage Banking MLO Unit licensing staff by phone at (212) 709-7655 or via e-mail to

Department of Financial Services


DFS Facebook page

Follow NYDFS on Twitter


Sign up online or download and mail in your application.