Kentucky Mortgage License Requirements
Learn about the Kentucky mortgage education requirements for mortgage licensing.
In the state of Kentucky, mortgage loan originators are required to:
- Complete a Criminal Background Check (CBC).
- Authorize a credit report through the NMLS.
- Fulfill all state and federal education requirements as designated by your state agency.
- Take and pass a National Test.
- Sponsorship.
- Surety bond coverage.
Kentucky NMLS Pre-Licensing Education Requirements:
New state-licensed MLOs are required to complete 20 hours of NMLS-approved education. This includes:
- 3 hours of federal law
- 3 hours of ethics
- 2 hours of non-traditional mortgage lending training
- 12 hours of electives
Kentucky Continuing Education Requirements:
State-licensed MLOs are required to complete 8 hours of NMLS-approved mortgage education annually beginning the year they are licensed (unless PE was completed in the same year). This includes:
- 3 hours of federal law
- 2 hours of ethics
- 2 hours of non-traditional mortgage lending
- 1 hour of Kentucky state-specific education
The deadline to complete annual CE is November 30th.
MLOs are advised that to comply with the SAFE Act’s “successive years” rule, they may not take the same CE course two years in a row.
Kentucky Mortgage Licensing:
- Kentucky Office of Financial Institutions
- Phone: (800) 223-2579
- Email: Jessica.Sullivan@ky.gov
- Website: https://kfi.ky.gov/
NMLS Resources:
- Kentucky MLO License Description Page
- Professional Standards: Mortgage Education
- Professional Standards: Criminal Background Check
- Professional Standards: Credit Report
- Professional Standards: MLO Testing
