Iowa vs Kentucky for MLO Licensing

Total Fees

$241.25

IA

vs

$241.25

KY

Pre-Licensing

20 hrs

IA

vs

20 hrs

KY

Timeline

4-8 wks

IA

vs

8-16 wks

KY

Side-by-Side Comparison

Category	Iowa	Kentucky
Total Fees	$241.25	$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	$50	$50
CE Hours	8 hrs	8 hrs
Reciprocity	None	None

Key Differences

→

Processing Speed

Iowa processes applications in 4-8 weeks.

Winner: Iowa

Category Winners

Lower Cost

Iowa $241.25

vs Kentucky ($241.25)

Fewer Hours

Iowa 20 hrs

vs Kentucky (20 hrs)

Faster Processing

Iowa 4-8 wks

vs Kentucky (8-16 wks)

Iowa

Iowa Division of Banking

Official Website →

Full Iowa MLO requirements →

Kentucky

Kentucky Department of Financial Institutions

Official Website →

Full Kentucky MLO requirements →

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