Hawaii vs Texas for MLO Licensing

Total Fees

$1,026.25

$336.25

Pre-Licensing

20 hrs

23 hrs

Timeline

4-8 wks

Side-by-Side Comparison

Category	Hawaii	Texas
Total Fees	$1,026.25	$336.25 ✓
Pre-Licensing Hours	20 hrs ✓	23 hrs
Processing Time	4-8 weeks	4-8 weeks
Renewal Cycle	N/A	N/A
Renewal Fee	$835	$45 ✓
CE Hours	8 hrs	8 hrs
Reciprocity	None	None

Key Differences

→

Cost

Texas is $690 cheaper for total licensing fees.

Winner: Texas

→

Education Hours

Hawaii requires only 20 pre-licensing hours.

Winner: Hawaii

Category Winners

Lower Cost

Texas $336.25

vs Hawaii ($1,026.25)

Fewer Hours

Hawaii 20 hrs

vs Texas (23 hrs)

Faster Processing

Hawaii 4-8 wks

vs Texas (4-8 wks)

Hawaii

Hawaii Division of Financial Institutions

Official Website →

Full Hawaii MLO requirements →

Texas

Texas Department of Savings and Mortgage Lending

Official Website →

Full Texas MLO requirements →

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