Kentucky vs Tennessee for MLO Licensing

Total Fees

$241.25

$391.25

Pre-Licensing

20 hrs

Timeline

8-16 wks

4-8 wks

Side-by-Side Comparison

Category	Kentucky	Tennessee
Total Fees	$241.25 ✓	$391.25
Pre-Licensing Hours	20 hrs	20 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 $150 cheaper for total licensing fees.

Winner: Kentucky

→

Processing Speed

Tennessee processes applications in 4-8 weeks.

Winner: Tennessee

Category Winners

Lower Cost

Kentucky $241.25

vs Tennessee ($391.25)

Fewer Hours

Kentucky 20 hrs

vs Tennessee (20 hrs)

Faster Processing

Tennessee 4-8 wks

vs Kentucky (8-16 wks)

Kentucky

Kentucky Department of Financial Institutions

Official Website →

Full Kentucky MLO requirements →

Tennessee

Tennessee Department of Financial Institutions

Official Website →

Full Tennessee MLO requirements →

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