Loan officers of licensed entities and HUD-approved mortgage companies/brokers must register; out-of-state loan officers assisting Kentucky clients must also register.
$50
20 hours
Pass the national test component with uniform state content.
The registration renewal period is on a calendar-year basis. All individuals must renew by Nov. 30 each year.
Last verified Oct 25, 2026
Kentucky Department of Financial Institutions
The Kentucky Department of Financial Institutions (DFI) has been a part of the NMLS since its launch in 2008.Official source
The Kentucky Department of Financial Institutions (DFI) has been a part of the NMLS since its launch in 2008.Official source
20 hours
Complete 20 hours of pre-licensing education.Official source
Pass the national test component with uniform state content.
Pass the national test component with uniform state content.Official source
All mortgage entities and mortgage loan originators must use the Nationwide Multistate Licensing System & Registry (NMLS) for licensing and registration.Official source
Review the official instructions for your situation before applying.
Open the official agency pageLoan officers of licensed entities and HUD-approved mortgage companies/brokers must register; out-of-state loan officers assisting Kentucky clients must also register.
All loan originators (loan officers) of licensed entities and HUD-approved mortgage companies and/or mortgage brokers must register with DFI. Out-of-state loan officers and brokers assisting Kentucky clients must register with DFI.Official source
The registration renewal period is on a calendar-year basis. All individuals must renew by Nov. 30 each year.
The registration renewal period is on a calendar-year basis. All individuals must renew by Nov. 30 each year.Official source
8 hours
Complete eight hours of continuing education during the calendar year. One of those eight hours must be Kentucky-specific.Official source
Includes 1 Kentucky-specific hour.
One of those eight hours must be Kentucky-specific.Official source
Have a license or permit? Use the expiration date printed on it to set up your calendar and reminders.
$50
$50
Maintain surety bond coverage through the employer or independently for the entire registration period.
All mortgage loan originators must be covered by a surety bond, either through their employer or independently, for their entire registration period.Official source
Confirm the charges and conditions for your application with the official agency.
The registration renewal period is on a calendar-year basis. All individuals must renew by Nov. 30 each year.
The registration renewal period is on a calendar-year basis. All individuals must renew by Nov. 30 each year.Official source
Last verified Oct 25, 2026
$50
Last verified Oct 25, 2026. Each quotation supports the corresponding published value.
Kentucky Department of Financial Institutions
Kentucky Department of Financial Institutions
The Kentucky Department of Financial Institutions (DFI) has been a part of the NMLS since its launch in 2008.Official source
Last verified Oct 25, 2026
https://kfi.ky.gov/newstatic_info.aspx?static_id=238
The Kentucky Department of Financial Institutions (DFI) has been a part of the NMLS since its launch in 2008.Official source
Last verified Oct 25, 2026
https://kfi.ky.gov/newstatic_info.aspx?static_id=238
All mortgage entities and mortgage loan originators must use the Nationwide Multistate Licensing System & Registry (NMLS) for licensing and registration.Official source
Last verified Oct 25, 2026
20 hours
20
Complete 20 hours of pre-licensing education.Official source
Last verified Oct 25, 2026
Pass the national test component with uniform state content.
Pass the national test component with uniform state content.
Pass the national test component with uniform state content.Official source
Last verified Oct 25, 2026
Maintain surety bond coverage through the employer or independently for the entire registration period.
Maintain surety bond coverage through the employer or independently for the entire registration period.
All mortgage loan originators must be covered by a surety bond, either through their employer or independently, for their entire registration period.Official source
Last verified Oct 25, 2026
The registration renewal period is on a calendar-year basis. All individuals must renew by Nov. 30 each year.
The registration renewal period is on a calendar-year basis. All individuals must renew by Nov. 30 each year. Applies to: Kentucky MLO registrations
The registration renewal period is on a calendar-year basis. All individuals must renew by Nov. 30 each year.Official source
Last verified Oct 25, 2026
8 hours
8
Complete eight hours of continuing education during the calendar year. One of those eight hours must be Kentucky-specific.Official source
Last verified Oct 25, 2026
Includes 1 Kentucky-specific hour.
Includes 1 Kentucky-specific hour.
One of those eight hours must be Kentucky-specific.Official source
Last verified Oct 25, 2026
Loan officers of licensed entities and HUD-approved mortgage companies/brokers must register; out-of-state loan officers assisting Kentucky clients must also register.
Loan officers of licensed entities and HUD-approved mortgage companies/brokers must register; out-of-state loan officers assisting Kentucky clients must also register.
All loan originators (loan officers) of licensed entities and HUD-approved mortgage companies and/or mortgage brokers must register with DFI. Out-of-state loan officers and brokers assisting Kentucky clients must register with DFI.Official source
Last verified Oct 25, 2026
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Last verified Oct 25, 2026.
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