Florida vs Kentucky for MLO Licensing

Total Fees

$410.25

$241.25

Pre-Licensing

20 hrs

Timeline

4-8 wks

8-16 wks

Side-by-Side Comparison

Category	Florida	Kentucky
Total Fees	$410.25	$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	$195	$50 ✓
CE Hours	8 hrs	8 hrs
Reciprocity	None	None

Key Differences

→

Cost

Kentucky is $169 cheaper for total licensing fees.

Winner: Kentucky

→

Processing Speed

Florida processes applications in 4-8 weeks.

Winner: Florida

Category Winners

Lower Cost

Kentucky $241.25

vs Florida ($410.25)

Fewer Hours

Florida 20 hrs

vs Kentucky (20 hrs)

Faster Processing

Florida 4-8 wks

vs Kentucky (8-16 wks)

Florida

Florida Office of Financial Regulation

Official Website →

Full Florida MLO requirements →

Kentucky

Kentucky Department of Financial Institutions

Official Website →

Full Kentucky MLO requirements →

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