Kentucky vs Texas for MLO Licensing

Total Fees

$241.25

$336.25

Pre-Licensing

20 hrs

23 hrs

Timeline

8-16 wks

4-8 wks

Side-by-Side Comparison

Category	Kentucky	Texas
Total Fees	$241.25 ✓	$336.25
Pre-Licensing Hours	20 hrs ✓	23 hrs
Processing Time	8-16 weeks	4-8 weeks ✓
Renewal Cycle	N/A	N/A
Renewal Fee	$50	$45 ✓
CE Hours	8 hrs	8 hrs
Reciprocity	None	None

Key Differences

→

Cost

Kentucky is $95 cheaper for total licensing fees.

Winner: Kentucky

→

Education Hours

Kentucky requires only 20 pre-licensing hours.

Winner: Kentucky

→

Processing Speed

Texas processes applications in 4-8 weeks.

Winner: Texas

Category Winners

Lower Cost

Kentucky $241.25

vs Texas ($336.25)

Fewer Hours

Kentucky 20 hrs

vs Texas (23 hrs)

Faster Processing

Texas 4-8 wks

vs Kentucky (8-16 wks)

Kentucky

Kentucky Department of Financial Institutions

Official Website →

Full Kentucky MLO requirements →

Texas

Texas Department of Savings and Mortgage Lending

Official Website →

Full Texas MLO requirements →

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