What it takes to get a mortgage loan officer license in Kansas
Kansas Mortgage Loan Originator License Requirements
Total Course Hours
20 hrs
National & Elective
20 hrs
Kansas-Specific
None
License Fee
$100
All 20 hours are the national SAFE Act topics and electives. Kansas designates none of them to state law.
Kansas designates none of the 20 hours to state law, so the federal SAFE course is the whole pre-licensing requirement here. That is not true in most states, and a course bought for Kansas will not necessarily satisfy a neighboring one.
The Kansas Mortgage Business Act carries one bond provision and it runs to mortgage companies, which is also who the commissioner's regulation sets the amount for. A loan originator is registered under a sponsoring company and files no bond of their own.
Requirements verified 2026-08-11 against the official source.
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Provider profiles
How to become a mortgage loan officer in Kansas
Originating mortgage loans in Kansas takes 20 hours of pre-licensing education from a provider approved by the Nationwide Multistate Licensing System, usually written NMLS. Kansas Office of the State Bank Commissioner issues the license and calls it the Kansas Mortgage Loan Originator License.
Kansas Office of the State Bank Commissioner charges $100 to apply for the Kansas Mortgage Loan Originator License. NMLS charges its own processing fees on top of that and those are the same in every jurisdiction, so the license costs more than the state's own figure suggests. The cost breakdown adds up the whole stack.
4 providers in this comparison sell pre-licensing courses for Kansas, priced from $249 to $599. The lowest price on a provider's site is sometimes an add-on rather than a full pre-licensing course, so the table marks which packages cover the national hours.
Kansas mortgage license FAQ
How many hours of coursework do I need to become a loan officer in Kansas? ▾
20 hours, none of which Kansas designates to state law. The course has to come from an NMLS-approved provider.
What exam do I have to pass in Kansas? ▾
The SAFE Act national test carrying uniform state content. Every state and territory has adopted it, so there is no separate Kansas exam behind it. You need 75 percent to pass.
What does the license itself cost in Kansas? ▾
$100 to Kansas Office of the State Bank Commissioner, plus the fees NMLS charges to process the application. Course tuition is separate and varies by provider. The cost breakdown page has the full stack.
Do I need a surety bond in Kansas? ▾
No. In Kansas the bond obligation sits with the company sponsoring you, not with you personally.
What does a Kansas mortgage license cost in total?
Course tuition is only part of it. See the full stack of state and NMLS fees.