Arizona vs Kentucky for MLO Licensing

Total Fees

$541.25

$241.25

Pre-Licensing

20 hrs

Timeline

4-8 wks

8-16 wks

Side-by-Side Comparison

Category	Arizona	Kentucky
Total Fees	$541.25	$241.25 ✓
Pre-Licensing Hours	20 hrs	20 hrs
Processing Time	4-8 weeks ✓	8-16 weeks
Renewal Cycle	N/A	N/A
Renewal Fee	$150	$50 ✓
CE Hours	8 hrs	8 hrs
Reciprocity	None	None

Key Differences

→

Cost

Kentucky is $300 cheaper for total licensing fees.

Winner: Kentucky

→

Processing Speed

Arizona processes applications in 4-8 weeks.

Winner: Arizona

Category Winners

Lower Cost

Kentucky $241.25

vs Arizona ($541.25)

Fewer Hours

Arizona 20 hrs

vs Kentucky (20 hrs)

Faster Processing

Arizona 4-8 wks

vs Kentucky (8-16 wks)

Arizona

Arizona Department of Financial Institutions

Official Website →

Full Arizona MLO requirements →

Kentucky

Kentucky Department of Financial Institutions

Official Website →

Full Kentucky MLO requirements →

Compare More States

All MLO Comparisons Interactive Tool