KY MLO licensing — federal baseline
Kentucky MLO Licensing
Detailed Kentucky-specific guide is in progress. The federal SAFE Act baseline below applies to every state — confirm any Kentucky-specific add-ons (extra PE hours, fees, surety bond, state test) on the NMLS state page.
Source: NMLS Testing Handbook + SAFE MLO National Test Content Outline · Last verified 2026-04
Federal SAFE Act baseline
20
PE hours (federal)
+ state add-on if any
$110
SAFE exam fee
Per attempt at Prometric
8 hr/yr
CE hours (federal)
+ state add-on if any
120 Qs
SAFE national test
115 scored · 75% pass
Get Kentucky-specific requirements from NMLS
State add-on PE hours, application fee, surety bond, and any state test requirement live on the official Kentucky NMLS page.