100+ Free Kansas MLO Practice Questions

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2026 Statistics

Key Facts: Kansas MLO Exam

Exam Questions

NMLS

75%

Passing Score

NMLS

12 months

Redemption Period

Kansas Statutes

$50,000

Min Surety Bond

KS Mortgage Business Act

The Kansas state MLO exam covers the Kansas Mortgage Business Act, OSBC regulatory authority, judicial foreclosure with sheriff's sales, the 12-month statutory redemption period (reducible to 3 months for abandoned property), surety bond and net worth requirements, and homestead protection provisions under the Kansas Constitution.

About the Kansas MLO Exam

The Kansas MLO exam tests knowledge of state-specific mortgage lending laws under the Kansas Mortgage Business Act, licensing requirements enforced by the Office of the State Bank Commissioner, consumer protections, and judicial foreclosure procedures. Kansas is notable for its 12-month statutory redemption period after foreclosure sale.

Questions

55 scored questions

Time Limit

1 hour 30 minutes

Passing Score

75%

Exam Fee

$110 (Kansas Office of the State Bank Commissioner)

Kansas MLO Exam Content Outline

~20%

State Licensing Requirements

OSBC licensing, 20-hour pre-license education, 8-hour CE, $50,000 surety bond, $50,000 net worth, and background checks.

~25%

State Mortgage Law

Kansas Mortgage Business Act, trust accounts, escrow requirements, prepayment penalties, and rate regulations.

~15%

State Regulatory Authority

OSBC enforcement, examinations, cease and desist authority, civil penalties up to $25,000, and disciplinary process.

~20%

Consumer Protection

Fair lending, predatory lending prohibitions, disclosure requirements, borrower rights, and advertising rules.

~20%

Foreclosure Procedures

Judicial foreclosure, sheriff's sales, 12-month redemption period, deficiency judgments, and homestead protection.

How to Pass the Kansas MLO Exam

What You Need to Know

Passing score: 75%
Exam length: 55 questions
Time limit: 1 hour 30 minutes
Exam fee: $110

Keys to Passing

Complete 500+ practice questions
Score 80%+ consistently before scheduling
Focus on highest-weighted sections
Use our AI tutor for tough concepts

Kansas MLO Study Tips from Top Performers

1Master the Kansas Mortgage Business Act as the primary statute governing mortgage lending in the state.

2Pay special attention to the 12-month redemption period and the 3-month reduced period for abandoned properties.

3Know the OSBC's enforcement powers including $25,000 per-violation civil penalties and cease and desist authority.

4Understand Kansas homestead protections and how they interact with voluntary mortgage liens.

5Study the $50,000 surety bond and $50,000 net worth requirements for mortgage companies.

Frequently Asked Questions

What is the redemption period in Kansas?

Kansas provides a 12-month statutory redemption period after a foreclosure sale, one of the longest in the nation. The former owner retains possession and can redeem by paying the sale price plus interest. The period may be reduced to 3 months for abandoned properties.

What agency regulates MLOs in Kansas?

The Kansas Office of the State Bank Commissioner (OSBC) licenses and regulates mortgage loan originators under the Kansas Mortgage Business Act.

What are the bond and net worth requirements?

Kansas requires a minimum $50,000 surety bond and $50,000 minimum net worth for mortgage companies seeking licensure.

Does Kansas have homestead protection?

Yes, the Kansas Constitution provides homestead protection, but it does not prevent foreclosure on a voluntary mortgage lien. It may affect deficiency judgments and protections from other creditors.