How to get Kansas Mortgage Loan Originator Prelicensing Education PE and KS Continuing Education CE Requirements Met
1. Get your NMLS Number
If you have not done so already, it takes 1 -2 minutes to get your NMLS number. https://www.statemortgageregistry.com/Public/Login.aspx Click "Request an account" Click "Individual" We try to make all of these things easier, what questions may we answer? Use the chat feature on the bottom right corner of every web page to get answers now!
2. Get and complete your KS 20 Hour Prelicense Education PE Course Bundle
3. Pass the NMLS Nation Component Exam with Uniform State Test using our included test preparation program and add other states by getting and completing state PE courses
4. Apply for your Kansas MLO License through the NMLS system prompt you at this point for your next steps after opening your KS Mortgage Loan Originator application.
Questions about qualifications on any part of the process? Use the chat feature on the bottom right of this webpage or click here and get answers fast!
Kansas (KS) Prelicensing Requirements
Kansas does not have any state specific PE requirements in addition to the initial 20 hours of SAFE education. If you haven't completed your initial 20 hours of SAFE education, click here to view our 20 Hour SAFE options.
This state is a UST state and has adopted the Uniform state test added to the National test. If you want to be licensed in this state and have not taken the newest National test with UST included. Then you will want to take the UST stand alone. To purchase study material click here
Continuing Education Requirements
If you are already a licensed MLO in the state of Kansas you don't need to take PE (unless you have been instructed by the NMLS to do so). You do need to complete at least 8 Hours of NMLS approved continuing education every year following the completion of your PE requirements.
Our 8 Hour SAFE course satisfies these requirements. Click here if you need to complete your continuing education and select the 8 hour course that meets your needs. Remember, you can't repeat the same course two years in a row! If you can't recall which course you took last year, give us a call, or shoot us an email
Kansas Mortgage Regulator Contact Information
WHO TO CONTACT – Contact the Kansas Office of the State Bank Commissioner, Division of Consumer and Mortgage Lending licensing staff by phone at 785-296-2266 or send questions via email to: licensing@osbckansas.org
How much does a KS MLO license cost? $181.25 including itemized as follows:
Total License costs: $130 including the NMLS processing fee. A $15 fee for a credit report will be added if one has not been authorized through NMLS in the past 30 days. You will also pay an additional $36.25 if you authorize a criminal background check at time of application. Fees collected through the NMLS ARE NOT REFUNDABLE.
Kansas MLO NMLS Checklist KS Mortgage Loan Originations Licensing Requirements
KS NMLS MLO Checklist https://nationwidelicensingsystem.org/slr/PublishedStateDocuments/KS-MLO-New-Application-Checklist.pdf
Who has to be licensed in KS as an MLO KS Processor?
Any person acting as a mortgage loan originator according to the Federal SAFE Act
Kansas Mortgage Law and Regulation Changes Notes
Changes to Kansas Mortgage Business Act Effective July 1, 2022 Removing office location language and bond requirements changes https://www.osbckansas.org/legal/kmba_2022_changes.pdf
Kansas Mortgage Company Advertizing Requirements
CML Guidance 2019-1 Advertising August 23, 2019
Information Required in Advertising
KMBA. Licensees and registrants soliciting or advertising mortgage business directed at Kansas residents must include the name and license number/unique identifier of the licensee on record with the OSBC per K.S.A. 9-2208 (c) and (e).
Retention of Kansas Mortgage Company Advertising Records
KMBA. Licensees shall maintain a record of all solicitations or advertisements for a period of 36 months in accordance with K.S.A. 9-2208(c). Such advertising does not include business cards or promotional items.
Kansas Mortgage Company False and Misleading Advertisement
KMBA. An individual engaging solely in loan processing or underwriting cannot represent to the public that such individual can or will perform any activities of a loan originator. This prohibition includes advertising, communicating, or using business cards, stationery, brochures, signs, rate lists or other promotional items per K.S.A.9-2201(i)(2). No KMBA solicitation or advertisement can contain false, misleading or deceptive information, or indicate or imply that the interest rates or charges stated are "recommended," "approved," "set" or "established" by the state of Kansas, per K.S.A. 9-2208(d). No person who is required to be licensed or registered under the KMBA can solicit, advertise or enter into a contract for specific interest rates, points or other financing terms unless the terms are actually available at the time of soliciting, advertising or contracting per K.S.A. 9-2212(m).
Kansas Mortgage Company and MLO Internet Communications and Social Media Requirements
Any website or internet post, as well as social media, e.g., Facebook, Twitter, Instagram, and any form of electronic promotion is considered advertising subject to this Regulatory Mailing.
Not legal advise, seek legal counsel, provided for informational purposes only from