Kansas MLO License
Mortgage Loan Originator requirements for Kansas
NMLS Required: All Kansas MLO applications must be submitted through the Nationwide Multistate Licensing System (NMLS).
Pre-Licensing Education
Complete 20 hours of NMLS-approved pre-licensing education (federal SAFE Act minimum).
Required Courses (20 hours total):
- • 3 hours federal law and regulations
- • 3 hours ethics (fraud, consumer protection, fair lending)
- • 2 hours nontraditional mortgage products
- • 12 hours electives
Education must be completed through an NMLS-approved provider.
SAFE MLO Exam
National Component
115 scored questions + 5 unscored (3 hours)
State Component
National component only - no state-specific test required
Passing Score
75% on national component
Exam Fee
$110
Retake Policy: 30-day wait after 1st/2nd failure; 180-day wait after 3rd failure
Background & Credit Check
Criminal Background
FBI criminal background check via fingerprinting
Credit Report
Required
Background Check Cost
$36
Credit Report Cost
$15
Credit report pulled by NMLS. Must demonstrate financial responsibility.
Company Sponsorship
Must be covered under employer's lending bond or obtain individual surety bond
Sponsorship request must be submitted by employer before application is approved.
Fee Breakdown
| NMLS Processing Fee | $30 |
| State License Fee | $100 |
| Examination Fee | $110 |
| Background Check | $36 |
| Credit Report | $15 |
| Total Fees | $291 |
Does not include pre-licensing education costs ($200-$400) or surety bond if required individually.
Annual Renewal
Renewal Period
November 1 - December 1 annually (renewal invoice due April 1)
Renewal Fee
$150
CE Required
8 hours annually
Online Renewal
Yes (via NMLS)
8 hours annually: 7 hrs NMLS core education, 1 hr generic elective. No state-specific education required. CE deadline is December 1st.
Kansas Office of the State Bank Commissioner
- Official Website
- (785) 296-2266
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Last verified: 2026-01-12