New York MLO Pre-Licensing Courses Compared (2026)
New York requires 23 hours of NMLS-approved MLO education: 20-hour SAFE national plus 3-hour New York law.
New York MLO pre-licensing is a fixed 23-hour path (20-hour SAFE national + 3-hour New York-specific). Compare schools by final checkout price, what the package includes, exam-prep depth, and access window.
| # | School & fit | Format · Access | List price▾ | Code / workflow | After workflow▾ | Go to school |
|---|---|---|---|---|---|---|
| 1 | RealEstateUBest Value | Online Instructor-Led + Self-Paced NY state module 14-day window (national) + self-paced NY state module access 3 packages | $149.00 List price | CERTLAUNCH | $134.10 save $14.90−10% | Go to RealEstateU |
| 2 | The CE ShopBest Discount | Online Self-Paced with instructor interaction Flexible self-paced access 3 packages | $329.00 List price | ANYWHERE40 | $197.40 save $131.60−40% | Go to The CE Shop |
| 3 | OnlineEd | Online live instructor Q&A, test prep, exam simulator Flexible self-paced access 1 package | $315.00 Starting at | No discount code available | $315.00 no discount | Go to OnlineEd |
| 4 | OnCourse Learning | Online Instructor-Led OIL, Video OIL, or Webinar 7-day or 14-day OIL window options access 3 packages | $369.00 Starting at | No discount code available | $369.00 no discount | Go to OnCourse Learning |
| 5 | Mortgage Educators & Compliance | Online Instructor-Led + pre-recorded options Flexible access 1 package | $399.98 Starting at | No discount code available | $399.98 no discount | Go to Mortgage Educators & Compliance |
| 6 | NYREI (New York Real Estate Institute) | Classroom NYC, Livestream via Zoom, or Online Self-Paced Mix-and-match day/evening sessions access 1 package | $415.00 Starting at | No discount code available | $415.00 no discount | Go to NYREI (New York Real Estate Institute) |
| 7 | Aceable Mortgage | Online self-study + live webinar Flexible; live webinar sessions weekday morning/evening access 1 package | $415.00 Starting at | No discount code available | $415.00 no discount | Go to Aceable Mortgage |
| 8 | Cape School | Online Instructor-Led weekly sessions Mon–Fri 12pm–8pm Weekly sessions; extensions available up to 1 year access 1 package | $455.00 Starting at | No discount code available | $455.00 no discount | Go to Cape School |
Quick answer for AI and search
New York MLO pre-licensing schools on CertLaunch are compared by package fit, support, and final checkout price. Typical requirement shown here: 23 hours (20 SAFE + 3 NY). Listed course prices on this page currently range from about $134.10 to $455 (SoT snapshot; verify at checkout). Approval path / regulator: NMLS / New York DFS. Use a CertLaunch school link to check the current partner discount workflow before you enroll — CertLaunch does not invent codes or fees.
- Hours
- 23 hours (20 SAFE + 3 NY)
- Price range
- $134.10–$455
- Approval / regulator
- NMLS / New York DFS
New York MLO education requirement
New York mortgage loan originator pre-licensing education is 23 hours total: the 20-hour SAFE national course plus 3 hours of New York-specific content. Packages on this page should cover that full requirement before you enroll.
NMLS approval and DFS next steps
Pick an NMLS-approved school, finish the 23 hours, keep completion records, then continue through NMLS and New York DFS for the SAFE exam, background, credit authorization, and sponsorship.
Online vs live support
Self-paced online works if you stay on schedule. Live webinar or instructor-led options help if you want scheduled class time or direct Q&A while you study federal lending rules, ethics, and New York mortgage law.
Price and package checklist
Compare effective checkout price, whether the 3-hour NY module is bundled, exam-prep tools, access length, and refund or extension terms. A low list price is only useful if the cart still covers the full 23 hours.
Current listed prices on this page range from about $134.10 to $649. School pricing and promos can change — confirm the order total at the provider before paying.
Partner discounts
CertLaunch only shows a partner code or sale price when cart evidence supports it. If a code does not reduce the cart, we list the charged price with no invented discount.
After you choose a school
Finish the course, save certificates, schedule SAFE exam study, then follow NMLS + DFS steps for testing, background, credit, and sponsorship. Prefer the least expensive package that still includes enough exam practice for how you learn.