Hawaii vs Kentucky for MLO Licensing

Total Fees

$1,026.25

$241.25

Pre-Licensing

20 hrs

Timeline

4-8 wks

8-16 wks

Side-by-Side Comparison

Category	Hawaii	Kentucky
Total Fees	$1,026.25	$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	$835	$50 ✓
CE Hours	8 hrs	8 hrs
Reciprocity	None	None

Key Differences

→

Cost

Kentucky is $785 cheaper for total licensing fees.

Winner: Kentucky

→

Processing Speed

Hawaii processes applications in 4-8 weeks.

Winner: Hawaii

Category Winners

Lower Cost

Kentucky $241.25

vs Hawaii ($1,026.25)

Fewer Hours

Hawaii 20 hrs

vs Kentucky (20 hrs)

Faster Processing

Hawaii 4-8 wks

vs Kentucky (8-16 wks)

Hawaii

Hawaii Division of Financial Institutions

Official Website →

Full Hawaii MLO requirements →

Kentucky

Kentucky Department of Financial Institutions

Official Website →

Full Kentucky MLO requirements →

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