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Mortgage Loan Originator License Application Instructions

In order to implement the provisions of the Secure and Fair Enforcement Mortgage Licensing Act (SAFE Act), the Department of Financial Services requires mortgage loan originators to:

To ensure your application is received, acknowledged as complete, and processed, please follow the directions outlined below. Applicants who do not follow the directions below and/or submit an incomplete application will receive notification that their application is incomplete. Applicants will then have a 30-day window to submit missing documents before the application is considered withdrawn. Applicants who have applications withdrawn must reinitiate the process, repay applicable fees, and resubmit all documentation to the Department of Financial Services to restart the process.

  1. Complete online application through NMLS system.

    Before beginning the online application process, you will be required to register with NMLS at and create a personalized log-on and password.

    1. Visit the NMLS and follow the directions to create your personal log-on and password.

    2. Once you have established your log-on and password, llog-on to the application section of the website and complete the MU4 Form. Click here to see a sample copy of the MU4 form. Information that must be completed on the MU4 Form includes name, date of birth, address, work experience, and financial and criminal conviction disclosures.

    3. Pay all applicable fees as part of the online application process using Visa, MasterCard, or ACH (automated clearing house transaction).

  1. NMLS Identification Number:
    1. In the application process, an NMLS Identification Number will be assigned to your application.

    2. Please write down this NMLS Identification Number and keep it in a safe place as it will be used as your application reference number throughout the remainder of the authorization process.

    3. Your NMLS identification number must be included on every hard-copy document submitted to the Department of Financial Services.

  1. Application Hard-Copy Documentation:

In addition to the information supplied through the NMLS system, all applicants are required to submit certain hard-copy documentation, outlined below, directly to the Department of Financial Services at:

MLO Application Processing
New York State Department of Financial Services
One State Street
New York, NY 10004-1511

Additional information required for an application to be considered complete includes:

Fingerprints (as instructed here)

Credit Report and Credit Score

Authorization for a credit report must be completed through the NMLS. Individuals will be required to complete an Identity Verification Process (IDV).You have the option to upload or mail a detail letter of explanation and
supporting documentation addressing all derogatory items listed on your credit report. Documentation evidencing satisfaction, pay-off, installmentpayment agreement or lien release must be provided for all judgments, tax liens and collection accounts. Bankruptcy documentation, including the schedule of discharged debts must be provided for all bankruptcy filings.Individuals with past due child support must provide documentation from the respective support enforcement agency demonstrating compliance.


An affirmation form must be completed and signed by the applicant under penalty of perjury indicating that the applicant will promptly let the Superintendent know of any changes that occur in the information furnished in the application and that the applicant has reviewed the application and certifies that it does not contain any untrue statement or omission of material fact. Please write your NMLS identification number in the upper right-hand corner of your affirmation form.

Supplemental Information

If you answered ‘yes’ to any question under the Disclosure section of the MU4 form (Question 9) you must submit supporting documentation. Please write your NMLS identification number on the upper right-hand corner of every piece of supplement information provided.

When determining what supplemental information to submit, please remember that the goal of submitting the information is to provide sufficient details in your response to avoid further questioning later in the process. In addition to writing your NMLS identification number on your supplemental documents, please identify which section under Question 9 your documents are related to.

During the actual processing of your application, you may be contacted by the processing team to review your supplemental documentation and to request that you submit additional information.

  1. Notice of Receipt of Application:

After all required components of the application, including the hard-copy and supplemental documents, are received by the Department of Financial Services, a notification confirming receipt will be mailed to the sponsoring entity and the individual MLO.  Note: Applicants are prohibited from engaging in mortgage loan origination activities until authorized by the Department of Financial Services.

Please note that the notice of receipt is based on initial review and materials may be requested during the processing of the application.

  1. Weekly Bulletin Publication

    Applications deemed complete are published in the Department's weekly bulletin every Friday. The Weekly Bulletin can be accessed via the following link:

  2. Approval or Denial:

    After the application has been processed, the sponsoring entity and the individual MLO will receive written notification of the approval or denial of the application.

    If the application is approved, the MLO will be required to submit a Surety Bond in accordance with requirements of Section 420.15 of the Superintendent's Regulations. Once the Department has received a valid Surety Bond and Surety Bond Certification form, a License Certificate will be issued. A notification will also be mailed to the sponsoring entity.

    If the application is denied, the MLO will receive notification of denial and must immediately cease originating mortgage loans. A notification of denial will also be mailed to the sponsoring entity.

  3. Annual Renewal:

    MLO authorizations expire on December 31st each year and must be renewed annually. A renewal reminder and directions for renewing through the NMLS system will be e-mailed to all MLOs at least 60 days prior to the expiration date.