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Anyone completing the 8 Hour KY Loan Processor CE course will NOT recieve NMLS credit.  Students are required to submit their certificates of completion directly to their employer.  The employing mortgage company or broker must maintain proof that their processors have completed the required continuing education. 


Kentucky Mortgage Continuing Education Mortgage Loan Originator Courses

Packages

8-Hr. KY MLO 2025 Late CE Package

Total hours: 8 National: 7 State: 1 Approval Number: Package
$119

Late CE courses should only be completed by MLOs who need to complete a prior years' CE, as instructed by their state regulator. Do NOT complete a late CE course if you're intending to satisfy a current year CE requirement. Log in to your NMLS account and review your education record to verify whether you need to complete late CE.

Courses included in this package:
  • Late CE 7 Hour SAFE Core: 2025 Mortgage Loan Originator Course
  • Late CE 1 Hour KY SAFE: 2025 Kentucky Law Review Course

8-Hr. KY MLO 2026 CE Package

Total hours: 8 National: 7 State: 1 Approval Number: Package
$119

This complete package includes all 8 hours of annual continuing education required of individuals maintaining a state-issued mortgage loan originator (MLO) license in Kentucky.

Courses included in this package:

  • 7 Hour SAFE Core: 2026 Mortgage Loan Originator Course 
  • 1 Hour KY SAFE: 2026 Kentucky Law Review Course 

Individual Courses

Late CE 1 Hour KY SAFE: 2025 Kentucky Law Review Course (#105600)

Total hours: 1 National: 0 State: 1
$39

A mortgage loan originator (MLO) licensed in Kentucky is required to complete eight total hours of continuing educational annually. This includes:

  • Three hours on federal mortgage-related laws
  • Two hours on ethics, fraud, and consumer protection
  • Two hours on traditional and non-traditional mortgage products
  • One hour of Kentucky-specific education

This online self-study course satisfies the one hour of required state-specific education. Within the course, students will spend time reviewing state regulations and acts impacting mortgage loan origination activities; perusing scenarios, examples, or case studies; an completing exercises to demonstrate understanding of the content.

1 Hour KY SAFE: 2026 Kentucky Law Review

Total hours: 1 National: 0 State: 1 Approval Number: 18404
$39

A mortgage loan originator (MLO) licensed in Kentucky is required to complete eight total hours of continuing educational annually. This includes:

  • Three hours on federal mortgage-related laws
  • Two hours on ethics, fraud, and consumer protection
  • Two hours on traditional and non-traditional mortgage products
  • One hour of Kentucky-specific education

This online self-study course satisfies the one hour of required state-specific education. Within the course, students will spend time reviewing state regulations and acts impacting mortgage loan origination activities; perusing scenarios, examples, or case studies; an completing exercises to demonstrate understanding of the content.

7 Hour SAFE Core: 2026 Mortgage Loan Originator Course

Total hours: 7 National: 7 State: 0 Approval Number: 17863
$119

This online self-study course satisfies seven hours of 2026 annual continuing education required of individuals maintaining a state-issued mortgage loan originator (MLO) license. Within this course, students will spend time reviewing required topics, including:

  • Three hours on federal mortgage-related laws
  • Two hours on ethics, fraud, and consumer protection
  • Two hours on lending standards related to nontraditional mortgage products

Late CE 7 Hour SAFE Core: 2025 Mortgage Loan Originator Course (#16509)

Total hours: 7 National: 7 State: 0 Approval Number: 17999
$119

This online self-study course satisfies the seven hours of 2025 annual continuing education required of individuals maintaining a state-issued mortgage loan originator (MLO) license. Within this course, students will spend time reviewing required topics, including:

  • Three hours on federal mortgage-related laws
  • Two hours on ethics, fraud, and consumer protection
  • Two hours on lending standards related to nontraditional mortgage products

NOT FOR NMLS CREDIT: 8 Hour KY Loan Processor CE

Total hours: 8 National: 0 State: 8
$119

This online self-study course satisfies the eight hours of 2026 annual continuing education required of individuals maintaining a state-issued loan processor license in Kentucky. Within this course, students will spend time reviewing required topics, including:

  • Three hours on federal mortgage-related laws
  • Two hours on ethics, fraud, and consumer protection
  • Two hours on lending standards related to nontraditional mortgage products
  • One hour on KY loan processor education

NOTE: This course is NOT for NMLS Credit. MLOs will not receive NMLS credit for completing this course.

State Requirements For Kentucky

Kentucky Requirement Detail for Mortgage Continuing Education

Hours Required by the State: 8 hours 

  • 3 hours of federal law

  • 2 hours of ethics

  • 2 hours of non-traditional mortgage lending

  • 1 hour of state-specific education

An MLO who has completed their pre-licensure education (PE) course requirements in the same year in which the license was approved is not required to complete CE within the same year.

Note: Anyone completing the 8 Hour KY Loan Processor CE course will NOT recieve NMLS credit.  Students are required to submit their certificates of completion directly to their employer.  The employing mortgage company or broker must maintain proof that their processors have completed the required continuing education. 

Successive Years Rule:

A licensee may not take the same CE course two years in a row.

Seat Time:

Seat time will be enforced and our online course delivery system manages this requirement.

 

NMLS Provider # 1405076

Course Completion Reporting:

Mortgage course completions are reported to the Nationwide Multistate Licensing System and Registry (NMLS). The CE Shop will report credits to the NMLS within 7 business days of course completionThe NMLS recommends completing CE prior to the 12/31 deadline as licensees are unable to apply to renew their license if their CE is not complete.

Kentucky licensees are required to complete their CE courses by November 30.

The NMLS recommends completing CE prior to the deadline as licensees are unable to apply to renew their license if their CE is not complete.

Kentucky Contact Details for Mortgage Continuing Education

Kentucky Department of Financial Institutions
Phone: 502-573-3390
Email: Jeffrey.Hornbeck@ky.gov
Website: https://kfi.ky.gov/

NMLS Resources for Mortgage Continuing Education

Kentucky MLO License Description Page
Professional Standards: Mortgage Education
Professional Standards: Criminal Background Check 
Professional Standards: Credit Report
Professional Standards: MLO Testing