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What do I need for a Kansas mortgage loan originator license?

If you must register as a loan originator in Kansas, you take at least 20 hours of prelicensing courses. The state bank commissioner's office (OSBC), or its designee, must approve each course first. NMLS lists the SAFE test fee at $110. That is not a course price.

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The rule, fact by fact

Course hours
At least 20 hours of prelicensing professional education, approved under the ruleThe rule speaks to each individual required to register as a loan originator.
Unofficial copy: Cornell LII (opens external website) · checked Nov 13, 2026
Cost
$110 for the SAFE MLO Test, as NMLS lists it. This is not the course priceWe haven't confirmed a course price from a source.
NMLS Resource Center · SAFE MLO Test overview (opens external website) · checked Nov 13, 2026
Required topics
Includes at least 3 hours federal law, 3 ethics and 2 nontraditional mortgage lendingThe rule words it as a floor for each topic.
Unofficial copy: Cornell LII (opens external website) · checked Nov 13, 2026
Course approval
Each course needs approval from the OSBC or its designee before it earns creditThe same rule covers continuing education courses.
Same source and date as above

How to get it done

  1. Step 1. Check that you need to register. The Kansas statute says only an individual who first registered with the commissioner as a loan originator may conduct mortgage business involving loan origination. The OSBC calls the credential a Mortgage Loan Originator license.

  2. Step 2. Pick a course from the NMLS course provider list. The statute lets the commissioner require a minimum number of prelicensing hours. The commissioner or a designee must approve each course. The rule sets 20 hours, with at least 3 on federal law, 3 on ethics and 2 on nontraditional lending. NMLS says 12 of the 20 are electives.

  3. Step 3. Take the course. NMLS says every prelicensing course category can be delivered in the classroom or classroom equivalent (webinar) format. Keep your completion certificate or other attendance record, and check that the credit reached the OSBC.

  4. Step 4. Pass the SAFE MLO Test. NMLS says MLOs seeking state licensure need 75% or better on it. NMLS lists the fee for its National Test as $110. The statute also lets the commissioner require an exam on mortgage business transactions and state and federal law.

Before you pay

Before you pay, check that the course covers the topics in the rule and that the OSBC or its designee has approved it.

Questions

Does Kansas also require continuing education?

Yes. The rule asks for at least eight hours of approved continuing education each year as a condition of renewal. It must include at least three hours of federal law and regulations, two of ethics and two on nontraditional lending standards.

Can I work for more than one mortgage company?

No. A registrant may engage in mortgage business on behalf of only one licensed mortgage company.

How long is one course hour?

The rule says one course hour is at least 50 minutes of approved instruction.

What to do next

Start with the Kansas statute on who may conduct mortgage business. Then pick a course from the NMLS list.

ksrevisor.gov

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