11-Hr. NY MLO 2025 CE Package
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: 2025 Mortgage Loan Originator Course
- 3 Hour NY SAFE: 2025 New York Law Review Course
This online self-study course satisfies the eight hours of 2025 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
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.
State Requirements For New York
New York Requirement Detail for Mortgage Continuing Education
Hours Required by the State: 11 hours
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3 hours of federal law
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2 hours of ethics
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2 hours of non-traditional mortgage lending
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1 hour of elective
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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.
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
Professional Standards: Mortgage Education
Professional Standards: Criminal Background Check
Professional Standards: Credit Report
Professional Standards: MLO Testing