Broker Requirements:

(1) $50 registration fee

(2) $300 investigation fee

(3) $50 annual renewal fee

(4) $50,000 Surety Bond

(5) Financials prepared by CPA (check website below for audited or compilation)

(6) New Mortgage Broker and those licensed in another state less than one year, 30 hours of approved continuing education; OTHERS 12 hours of approved continuing education

(7) 12 hours continuing education yearly before renewal, Education Certificated submitted

(8) $18 fingerprint fee along with fingerprinted cards; FBI background check will be made

(9) Full credit report

(10) Copy of deed/lease of office location

NOTE: All Mortgage Brokers MUST have a physical office in Kentucky in order to do business there. Post Office boxes are not permitted.

Loan Officer Requirements:

(1) 18 Years of Age

(2) Criminal background check (will grant temporary license for 6 months until obtained)

(3) 12 Hours of pre-license education 

Contact Information:

Kentucky Office of Financial Institutions

1025 Capital Center Drive, Suite 200

Frankfort, KY 40601

Phone: 502.573.3390

Fax: 502.573.0086

E-mail: This e-mail address is being protected from spambots. You need JavaScript enabled to view it

Website:http://www.kfi.ky.gov/

Map of Kentucky Office of Financial Institutions: