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States / Kansas

Kansas MLO licensing requirements

Quick answer

What does it take to become a licensed MLO in Kansas?

Kansas originators pass the same SAFE MLO National Test as every other state, then complete Kansas's own licensing steps through NMLS , regulated by Kansas Office of the State Bank Commissioner, Consumer & Mortgage Lending Division. See the quick facts below for what is different here, and the full breakdown after that.

Last reviewed 2026-07-29

Regulator
Kansas Office of the State Bank Commissioner, Consumer & Mortgage Lending Division
How this state deviates
Kansas licenses mortgage loan originators (MLOs) through the Office of the State Bank Commissioner (OSBC), Consumer & Mortgage Lending (CML) Division. OSBC is a single regulator for MLOs: Kansas does not split originators between two agencies by employer type.
Surety bond
Pre-licensure hour add-on and bond amount. OSBC's public licensing pages, as reviewed, do not state a confirmed Kansas-specific pre-licensure hour add-on distinct from the federal 20-hour SAFE Act floor, and we did not find a single, dated, flat individual-MLO bond figure to host with confidence. Confirm both the current hour requirement and the bond amount on the state matrix and the OSBC site before enrolling or applying, since state figures do change.

Official KS regulator page

The steps, in order

  1. Create an NMLS account and request a unique identifier
  2. Complete 20 hours of NMLS-approved pre-licensure education (plus any Kansas add-on, confirm on the matrix)
  3. Pass the SAFE MLO National Test with Uniform State Test content
  4. Authorize a criminal background check and a credit report
  5. Obtain the required surety bond (amount per the state, see the published matrix)
  6. File the state license application through the Kansas Office of the State Bank Commissioner via NMLS
  7. Get sponsored by an NMLS-registered company to activate the license

Kansas licenses mortgage loan originators (MLOs) through the Office of the State Bank Commissioner (OSBC), Consumer & Mortgage Lending (CML) Division. OSBC is a single regulator for MLOs: Kansas does not split originators between two agencies by employer type.

The governing law

Kansas licenses MLOs under the Kansas Mortgage Business Act, Kansas Statutes Annotated § 9-2201 et seq. Filings run through the Nationwide Multistate Licensing System (NMLS), the same national system covered in our how to become an MLO guide: NMLS account, pre-licensure education, the SAFE MLO National Test, background and credit checks, bond, application, then sponsorship.

What is Kansas-specific

  • Regulator: Kansas Office of the State Bank Commissioner, Consumer & Mortgage Lending Division. Official applications page: osbckansas.gov/consumer-mortgage-lending/applications-forms. Main office: 700 SW Jackson St, Suite 300, Topeka, KS 66603. Phone: (785) 380-3939.
  • Statute citation. Kansas Mortgage Business Act, K.S.A. § 9-2201 et seq., with mortgage business fees addressed in Kan. Admin. Regs. § 17-24-2.
  • Pre-licensure hour add-on and bond amount. OSBC’s public licensing pages, as reviewed, do not state a confirmed Kansas-specific pre-licensure hour add-on distinct from the federal 20-hour SAFE Act floor, and we did not find a single, dated, flat individual-MLO bond figure to host with confidence. Confirm both the current hour requirement and the bond amount on the state matrix and the OSBC site before enrolling or applying, since state figures do change.
  • No dual-regulator split. OSBC’s Consumer & Mortgage Lending Division is the sole state regulator for individual MLOs regardless of employer type.

Sponsorship and next steps

A Kansas MLO license, like every state license, stays inactive until an NMLS-registered company sponsors it. See sponsorship explained for how that works in practice, and use the state licensing steps tool to walk the full ordered sequence, or the cost breakdown tool to see where Kansas’s licensing costs land against other states.

Sources: Kansas Office of the State Bank Commissioner, official site (osbckansas.gov) and Consumer & Mortgage Lending applications page, reviewed 2026-07-29; Kansas Mortgage Business Act, K.S.A. § 9-2201 et seq., reviewed 2026-07-29.

Last verified 2026-07-29. Requirements come from official sources and change over time: always confirm the current fee, bond, and hour figures at the regulator page linked above before you rely on them.

Want the shared federal order alongside every state's deviation in one wizard? Use the state-steps wizard. For the dollar picture, see the cost breakdown tool, and to see whether the whole path pays off for you, run the is-it-worth-it calculator.

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