Kansas Mortgage Company License
company licence · NMLS KSCOMPANY_C · OSBC
Pursuant to the Kansas Mortgage Business Act (KMBA), K.S.A. 9-2201 et seq., and amendments thereto, a Mortgage Company (MC) license is required for the principal place of business of any entity engaging in, or holding out to the public as willing to engage in, for compensation or gain, or in the expectation of compensation or gain, directly or indirectly, the business of making, originating, servicing, soliciting, placing, negotiating, acquiring, selling, arranging for others, or holding the rights to or offering to solicit, place, negotiate, acquire, sell or arrange for others, mortgage loans involving Kansas residential property under the KMBA. Review the KMBA in its entirety on the Kansas Office of the State Bank Commissioner's website (www.osbckansas.gov), and the checklist, for more information about the MC license.
Requirements (14)
Step 1
Other Trade Name: If operating under a name that is different from the applicant’s legal name, that name (“Trade Name”, “Assumed Name” or “DBA”) must be listed under the Other Trade Names section of the Company Form (MU1). OSBC does not limit the number of other trade names.Submitted via: NMLS
Step 2
Credit Report: See the License Requirements and Fees Chart on the NMLS Resource Center for details related to this Requirement.Submitted via: NMLS
Step 3
MU2 Individual FBI Criminal Background Check Requirements: See the License Requirements and Fees Chart on the NMLS Resource Center for details related to this Requirement. Note: In addition to completing a Criminal Background Check (CBC) through the NMLS and any other background information required in the application, an Investigative Background Report must be prepared by an independent search firm for any individual that has resided outside of the United States at any time during the 10-year period immediately preceding the individual's application. Investigative Background Report Requirements are available on our website at: https://www.osbckansas.gov/consumer-mortgage-lending/applications-forms/.Submitted via: NMLS
Step 4
Formation Documents: Determine classification of applicant’s legal status and submit a State certified copy of the requested applicable documentation detailed below. Original formation documents and all subsequent amendments, thereto including a list of any name changes. Unincorporated Association: • By-Laws or constitution (including all amendments).General Partnership: • Partnership Agreement (including all amendments).Limited Liability Partnership: • Certificate of Limited Liability Partnership; and • Partnership Agreement (including all amendments).Limited Partnership: • Certificate of Limited Partnership; and • Partnership Agreement (including all amendments).Limited Liability Limited Partnership: • Certificate of Limited Liability Limited Partnership; and • Partnership Agreement (including all amendments).Limited Liability Company (“LLC”): • Articles of Organization (including all amendments); • Operating Agreement (including all amendments); • IRS Form 2553 or IRS Form 8832 if S-corp treatment elected; and • LLC resolution if authority not in operating agreement. Corporation: • Articles of Incorporation (including all amendments); • By-laws (including all amendments), if applicable; • Shareholder Agreement (including all amendments), if applicable; • IRS Form 2553 if S-corp treatment elected; and • Corporate resolution if authority to complete application not in By-Laws or Shareholder Agreement, as amended, as applicable.Not for Profit Corporation • Documents requested of a Corporation; and • Proof of nonprofit status • Internal Revenue Service (“IRS”) 501(c)(3) designation letter; or • statement from a State taxing body or the State attorney general certifying that: (i) the entity is a nonprofit organization operating within the State; and (ii) no part of the entity’s net earnings may lawfully benefit any private shareholder or individual; or • entity's certificate of incorporation or similar document if it clearly establishes the nonprofit status of the applicant; or • Any of the three preceding items described, if that item applies to a State or national parent organization, together with a statement by the State or parent organization that the applicant is a local nonprofit affiliate. Trust (Statutory) • Certificate of Trust; and • Governing instrument (all amendments).Submitted via: Upload in NMLS: under Formation Document in the Document Uploads section of the Company Form (MU1). This document should be named Formation Documentation [Date of Creation (MM-DD-YYYY)].
Step 5
Business Plan: Upload a business plan outlining the following information: • Marketing strategies • Products • Target markets • Fee schedule • Operating structure the applicant intends to employ. This document should be named [Company Legal Name] Business Plan.Submitted via: Upload in NMLS: under the Document Type Business Plan in the Document Uploads section of the Company Form (MU1).
Step 6
Organizational Chart/Description: Submit a chart showing (or a description which includes) the percentage of ownership of: • Direct Owners (total direct ownership percentage must equate to 100%) • Indirect Owners • Subsidiaries and Affiliates of the applicant/licensee This document should be named [Company Legal Name] Organizational Chart – Description.Submitted via: Upload in NMLS: under Organizational Chart/Description in the Document Uploads section of the Company Form (MU1).
Step 7
Financial Statements: See the License Requirements and Fees Chart on the NMLS Resource Center for details related to this Requirement.Submitted via: NMLS
Step 8
Electronic Surety Bond: See the License Requirements and Fees Chart on the NMLS Resource Center for details related to this Requirement.Submitted via: NMLS
Step 9
Electronic Surety Bond: Electronic Surety Bond via NMLS in the amount described below furnished and submitted by a surety company authorized to conduct business in Kansas. • Licensees or applicants must provide a proper Surety Bond in the amount of $100,000 to the Kansas OSBC. • If the licensee or applicant originated or made more than $50,000,000 in Kansas mortgage loans during the previous calendar year, a $125,000 surety bond is required.Step 10
Certificate of Authority/Good Standing Certificate: Upload a State-issued and approved document (typically by the Secretary of State’s office) that demonstrates authorization to do business in Kansas. This document should be named KS Certificate of Authority OR KS Certificate of Good Standing.Submitted via: Upload in NMLS: under the Document Type Certificate of Authority/Good Standing Certificate in the Document Uploads section of the Company Form (MU1).
Step 11
Branch Office Location(s): Mortgage Company licensees are required to report branch office locations to the OSBC through a Branch Registration. There is no OSBC fee for Branch Registration, it is for reporting purposes only. If the Company Form (MU1) indicates business is conducted from branch offices, a Branch Form (MU3) must be submitted for each branch office doing business with Kansas residents, regardless of where it is located. Note: “Remote locations” as defined in K.S.A. 9-2201 (u) do not need to be reported.Submitted via: NMLS
Step 12
Business in Kansas: Is the applicant currently conducting business in Kansas and/or with any Kansas consumers? • Provide a detailed description of the business currently being conducted. • Indicate how long the applicant has been conducting business in Kansas and/or with Kansas consumers. • Provide the volume of business, both the number of transactions and dollar volume per year.Submitted via: Upload in NMLS: under Additional Requirements in the Document Uploads section of the Company Form (MU1).
Step 13
Management Chart: Submit a Management chart displaying the applicant’s directors, officers, and managers (individual name and title). This document should be named [Company Legal Name] ManagementChart.Submitted via: Upload in NMLS: under Management Chart in the Document Uploads section of the Company Form (MU1).
Step 14
Mortgage Loan Originators (MLO): MLOs that wish to conduct business with Kansas consumers that falls under the definition of loan origination must submit an Individual Form (MU4) and the company must submit an NMLS Sponsorship Request for each MLO. See the KS-Mortgage Loan Originator License (Individual) checklist in NMLS for more information.Submitted via: NMLS: Submit MU4 and Sponsorship request for each MLO.
General information
Who is required to have this license?
Sole proprietorships (individuals), corporations, partnerships, or any other form of entity, however organized, who intend to conduct mortgage business in Kansas as described above must obtain a license.
Any entity desiring to conduct mortgage business with Kansas consumers under the Kansas Mortgage Business Act (KMBA) must file a new company application through NMLS for their principal place of business.
Mortgage companies are required to report all branch office locations where mortgage business is conducted with Kansas consumers to the Kansas Office of the State Bank Commissioner (OSBC) by way of a new branch application through NMLS to obtain a branch registration. There is no OSBC fee for branch registration. There will be a minimal processing fee from NMLS.
Remote Locations do not need reported. Refer to the KMBA for definitions and the stipulations for conducting business at a remote location.
Each individual originating mortgages must be separately authorized and will require an new individual application through NMLS. After the new individual application is submitted, the company must submit a sponsorship request to the OSBC through the NMLS before the individual license will be approved.
Supplemental information for Kansas specific requirements:
Licensees or applicants will submit evidence that establishes, to the commissioner’s satisfaction, that the applicant or licensee is solvent and shall at all times maintain a positive net worth. Evidence of solvency and net worth shall include the submission of a balance sheet for the applicant.
Other Kansas mortgage licenses
Sourced from the NMLS/CSBS state licensing record, last updated August 31, 2026. Requirements change — confirm against the state agency before filing. Not legal advice.