Texas vs Virginia for MLO Licensing

Total Fees

$336.25

$341.25

Pre-Licensing

23 hrs

20 hrs

Timeline

4-8 wks

6-14 wks

Side-by-Side Comparison

Category	Texas	Virginia
Total Fees	$336.25 ✓	$341.25
Pre-Licensing Hours	23 hrs	20 hrs ✓
Processing Time	4-8 weeks ✓	6-14 weeks
Renewal Cycle	N/A	N/A
Renewal Fee	$45 ✓	$150
CE Hours	8 hrs	8 hrs
Reciprocity	None	None

Key Differences

→

Cost

Texas is $5 cheaper for total licensing fees.

Winner: Texas

→

Education Hours

Virginia requires only 20 pre-licensing hours.

Winner: Virginia

→

Processing Speed

Texas processes applications in 4-8 weeks.

Winner: Texas

Category Winners

Lower Cost

Texas $336.25

vs Virginia ($341.25)

Fewer Hours

Virginia 20 hrs

vs Texas (23 hrs)

Faster Processing

Texas 4-8 wks

vs Virginia (6-14 wks)

Texas

Texas Department of Savings and Mortgage Lending

Official Website →

Full Texas MLO requirements →

Virginia

Virginia Bureau of Financial Institutions

Official Website →

Full Virginia MLO requirements →

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