Kentucky vs Ohio for MLO Licensing

Total Fees

$241.25

$391

Pre-Licensing

20 hrs

24 hrs

Timeline

8-16 wks

4-8 wks

Side-by-Side Comparison

Category	Kentucky	Ohio
Total Fees	$241.25 ✓	$391
Pre-Licensing Hours	20 hrs ✓	24 hrs
Processing Time	8-16 weeks	4-8 weeks ✓
Renewal Cycle	N/A	N/A
Renewal Fee	$50 ✓	$200
CE Hours	8 hrs	8 hrs
Reciprocity	None	None

Key Differences

→

Cost

Kentucky is $149.75 cheaper for total licensing fees.

Winner: Kentucky

→

Education Hours

Kentucky requires only 20 pre-licensing hours.

Winner: Kentucky

→

Processing Speed

Ohio processes applications in 4-8 weeks.

Winner: Ohio

Category Winners

Lower Cost

Kentucky $241.25

vs Ohio ($391)

Fewer Hours

Kentucky 20 hrs

vs Ohio (24 hrs)

Faster Processing

Ohio 4-8 wks

vs Kentucky (8-16 wks)

Kentucky

Kentucky Department of Financial Institutions

Official Website →

Full Kentucky MLO requirements →

Ohio

Ohio Department of Commerce, Division of Financial Institutions

Official Website →

Full Ohio MLO requirements →

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