Kentucky Loan Originator License
individual licence · NMLS KYORIGINATOR_I · DFI
This license is required of any individual who discusses or negotiates the rates, terms, and condition of a loan with a borrower or prospective borrower.
Requirements (5)
Step 1
Company Sponsorship: A sponsorship request must be submitted by your employer. KY will review and accept or reject the sponsorship request.Submitted via: NMLS
Step 2
Employment History: The business address listed in the Employment History section of the Individual Form (MU4) must match the address of the registered location in the Company Relationship.Submitted via: NMLS
Step 3
Surety Bond: Upload original Kentucky Mortgage Individual Surety Bond, unless covered under employer’s entity bond. Individuals not classified as W-2 employees are required to obtain an individual surety bond. $15K $20KSubmitted via: Upload in NMLS: Upload document in NMLS in the Agency Guidance section under Document Type Additional Upload Requirement.
Step 4
Credit Report: The same credit report can be used for any existing or additional licenses for up to 30 days. **Credit Report Explanation is required for anyone possessing a credit score below 600. Please see 808 KAR 1:170.Submitted via: NMLS
Step 5
Criminal Background Check: If you are able to ‘Use Existing Prints’ to process the FBI criminal history background check, you DO NOT have to schedule an appointment. NMLS will submit the fingerprints already on file and the background check will begin to process automatically. **If you need to access or amend your FBI identification record, please see 28 CFR § 16.34.Submitted via: NMLS
General information
Who Is Required To Have This License?
Any individual of a licensed mortgage entity, HUD exempt entity, third-party mortgage loan processing/underwriting entity, hard money lender, or individuals working for a consumer loan or finance company who discusses or negotiates the rates, terms, and conditions of a loan with a borrower or prospective borrower.
286.8-255 Registration with department required for mortgage loan originator -- Renewals -- Continuing education requirement -- Background checks -- Originators subject to other laws -- Minimum standards for registration -- Mortgage loan processors not required to register -- Continuing education and standards for processors -- Renewal of originator registration -- Limitation of loan origination services.
Pre-licensure Education: Prior to submission of the application, complete at least 20 hours of NMLS-approved pre-licensure education (PE) courses.
Kentucky Department of Financial Institutions does not issue paper licenses for this license type.
Agency Contact Information:
Alexis Cataldo-Johnson
acataldojohnson@ky.gov
(502)782-2624
Other Kentucky mortgage licenses
- Federal Student Loan Servicer License
- Mortgage Broker Branch
- Mortgage Broker License
- Mortgage Company Branch
- Mortgage Company License
- Student Loan Servicer
- All 8 Kentucky licenses
Sourced from the NMLS/CSBS state licensing record, last updated March 26, 2026. Requirements change — confirm against the state agency before filing. Not legal advice.