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Yes, the two terms refer to the same role. "Loan originator" is the statutory term under the Kansas Mortgage Business Act, defined at K.S.A. 9-2201(u), while "loan officer" is the common industry name for the position. Either way, an individual who takes a residential mortgage loan application or offers or negotiates terms for compensation must hold the Kansas mortgage loan originator license.

Yes. Kansas requires 20 hours of pre-licensing professional education, and approved courses are available online as well as in the classroom. Each course must be approved by the Office of the State Bank Commissioner or its designee before credit is granted, and one hour of education means at least 50 minutes of approved instruction.

Yes. Kansas loan originator renewals are filed online through the NMLS. The national renewal window runs November 1 through December 31, but Kansas law requires a complete renewal application and the nonrefundable $100 renewal fee by December 1, and you are prohibited from applying to renew until your annual continuing education is complete.

Yes. You receive an NMLS number when you create an individual account in the Nationwide Multistate Licensing System and Registry, which is the first step before applying for any state license. The number alone does not authorize mortgage activity: in Kansas your license remains in pending, inactive status until a Kansas-licensed mortgage company sponsors you, and you may not conduct business while in pending status.

Generally yes, mortgage licensing is handled state by state, so a broker or loan originator needs authorization in each state where business is conducted. Kansas requires anyone conducting loan origination in the state to be registered with the Office of the State Bank Commissioner and sponsored by a Kansas-licensed mortgage company. One exception is Temporary Authority under 12 U.S.C. 5117, which lets a qualified loan originator licensed in another state originate Kansas loans for up to 120 days while completing Kansas requirements.

No, a license is not required for loan processors or underwriters who perform clerical or support duties as employees at the direction and supervision of a licensed or exempt person. The exception ends if the underwriter offers or negotiates loan rates or terms, counsels consumers about rates or terms, or represents to the public that they can perform loan originator activities.

No, not if you perform clerical or support duties as an employee at the direction and supervision of a licensed or exempt person. An underwriter needs a loan originator registration only if they offer or negotiate loan rates or terms, counsel consumers about rates or terms, or represent to the public that they can perform loan originator activities.

No license or certification is required for loan processors who perform clerical or support duties as employees, at the direction and supervision of a licensed or exempt person. A processor crosses into licensure territory by offering or negotiating loan rates or terms, counseling consumers about rates or terms, or representing to the public an ability to perform loan originator activities.

No, not if you stay within support duties. Kansas does not require the mortgage loan originator license for underwriters performing clerical or support duties as employees at the direction and supervision of a licensed or exempt person. You lose that exemption if you offer or negotiate loan rates or terms, counsel consumers about rates or terms, or represent to the public that you can perform loan originator activities.

Yes. A sponsorship request must be submitted by your employer, a Kansas-licensed mortgage company, before the application will be approved. The license is inactive until sponsorship is in place, and you are not authorized to conduct mortgage business in pending status. Kansas also allows sponsorship by only one licensed mortgage company at a time.