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Kansas Mortgage Broker License: Step-by-Step

In the state of Kansas, any entity engaged in the mortgage loan business is required to obtain a state license. The Kansas Office of the State Bank Commissioner (OSBC) regulates, supervises, and issues all mortgage licenses.

The Nationwide Mortgage Licensing System (NMLS) handles the KS mortgage license application process for companies and individuals who wish to apply for or renew a license.

Types of Mortgage Licenses in Kansas

Kansas has three major state license types: Company, Branch, and Individual. Each license type depends on the work you intend to perform.

In this guide, we’ll cover the most common licenses only. You can review the full list on the NMLS website.

Most Common Company Licenses

  • Mortgage Company License - must be obtained by the principal place of business for companies, sole proprietorships, or corporations engaged in the making, servicing, originating, negotiating, placing, and/or selling residential mortgage loans for Kansas properties.
  • Supervised Loan License - required for the principal place of business for entities engaged in consumer credit and making supervised loans involving KS consumers.

Note: To obtain either a Mortgage Company or Supervised Loan license, you are not required to have a physical office (principal place of business) within the state of Kansas.

Kansas State Requirements

All license applications are to be submitted online via the NMLS. Please note that until you have received approval from the KS OSBC, you are not allowed to perform any mortgage or consumer credit activities.

Supervised Loan applicants are required to send some agency-specific requirements via mail to Kansas Office of the State Bank Commissioner, Division of Consumer and Mortgage Lending, 700 SW Jackson St., Suite 300, Topeka, KS 66603.

For more information regarding the Mortgage Company license requirements, you may contact Katie Holm at (785) 296-1385 or [email protected].

For additional information regarding the Supervised Loan license requirements, please contact Pam Diel at (785) 296-1378 or [email protected].

For assistance or questions regarding NMLS, please contact their call center at (855) 665-7123.

Education and Exams

Passing an exam is obligatory for some, but not all license types in Kansas. To obtain a Mortgage Company License or Supervised Loan License you are not required to complete an education course or pass a test.

KS Mortgage Broker Bonds

Bonds for Company Licenses

  • Mortgage Company License - To obtain a Mortgage Company license, applicants are required to submit a surety bond. The amount depends on whether or not applicants maintain a KS bona fide (or physical) office.

    If applicants maintain a Kansas bona fide office:

    • $50,000 surety bond if the originated mortgage loans during the previous year are less than $50,000,000.
    • $75,000 surety bond if the mortgage loans during the previous year exceed $50,000,000.

    If applicants do not maintain a Kansas bona fide office:

    • $100,000 surety bond if the applicant originated mortgage loans of less than $50,000,000 during the previous year.
    • $125,000 surety bond if the applicant originated mortgage loans for more than $50,000,000 during the previous year.

    Note: In Kansas, a bona fide office is the applicant’s principal place of business which is located within the state and is not shared with another registrant. For a complete definition of this requirement, you may visit the KS Office of Revisor of Statutes website.

  • Supervised Loan License - All Supervised Loan license applicants must furnish a surety bond in the amount of $100,000. For each additional licensed place of business, you need to include an additional $25,000. Note that the maximum amount of the surety bond is $300,000.

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Licensing Fees

Fees for Company Licenses

The fees must be submitted through the NMLS and are not refundable or transferable. The NMLS processing fee is included in the total license costs.

  • Mortgage Company License
    • $750 total license costs.
    • $15 credit report fee (if required).
    • $36.26 background check fee.
  • Supervised Loan License
    • $750 total license costs.
    • $15 credit report fee (if required).
    • $36.26 background check fee.

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