Official sources and verification (14)
Last verified Oct 25, 2026. Each quotation supports the corresponding published value.
BoardOhio Superintendent of Financial Institutions
Ohio Superintendent of Financial Institutions
the superintendent of financial institutions shall issue a mortgage loan originator license to the applicant
Official sourceLast verified Oct 25, 2026
Official agency pageOpen the official agency page
https://codes.ohio.gov/ohio-revised-code/section-1322.21
the superintendent of financial institutions shall issue a mortgage loan originator license to the applicant
Official sourceLast verified Oct 25, 2026
Apply with the agencyOpen the official agency page
https://codes.ohio.gov/ohio-revised-code/section-1322.20
An application for a license as a mortgage loan originator shall be in writing, under oath, and in a form prescribed by the superintendent of financial institutions that complies with the requirements of the nationwide mortgage licensing system and registry.
Official sourceLast verified Oct 25, 2026
Qualifications / Required hours24 hours
24
the applicant has successfully completed at least twenty-four hours of pre-licensing instruction
Official sourceLast verified Oct 25, 2026
Qualifications / EducationIncludes 4 hours on Ohio lending laws and the Ohio Consumer Sales Practices Act.
Includes 4 hours on Ohio lending laws and the Ohio Consumer Sales Practices Act.
Four hours of instruction in a course or program of study reviewed and approved by the superintendent concerning Ohio lending laws and the Ohio consumer sales practices act, Chapter 1345. of the Revised Code, as it applies to registrants and licensees.
Official sourceLast verified Oct 25, 2026
Qualifications / ExamPass the written test meeting Ohio Revised Code 1322.27.
Pass the written test meeting Ohio Revised Code 1322.27.
Evidence that the applicant passed a written test that meets the requirements described in section 1322.27 of the Revised Code;
Official sourceLast verified Oct 25, 2026
Fees / Application$200
200
The application shall be accompanied by a nonrefundable application fee of two hundred dollars and any additional fee required by the nationwide mortgage licensing system and registry.
Official sourceLast verified Oct 25, 2026
Fees / Renewal$200
200
The renewal application is accompanied by a nonrefundable renewal fee of two hundred dollars and any fee required by the nationwide mortgage licensing system and registry.
Official sourceLast verified Oct 25, 2026
Renewal period in yearsThe license issued under division (A) of this section may be renewed annually on or before the thirty-first day of December
1
The license issued under division (A) of this section may be renewed annually on or before the thirty-first day of December
Official sourceLast verified Oct 25, 2026
RenewalThe license issued under division (A) of this section may be renewed annually on or before the thirty-first day of December
The license issued under division (A) of this section may be renewed annually on or before the thirty-first day of December Applies to: Ohio mortgage loan originator licenses
The license issued under division (A) of this section may be renewed annually on or before the thirty-first day of December
Official sourceLast verified Oct 25, 2026
Continuing education hours8 hours
8
Each licensee shall complete at least eight hours of continuing education every calendar year.
Official sourceLast verified Oct 25, 2026
Continuing education topics3 hours federal law and regulations; 2 hours ethics; 2 hours non-qualified or nontraditional mortgage lending standards
3 hours federal law and regulations; 2 hours ethics; 2 hours non-qualified or nontraditional mortgage lending standards
(1) Three hours of applicable federal law and regulations; (2) Two hours of ethics, which shall include instruction on fraud, consumer protection, and fair lending issues; (3) Two hours of training related to lending standards for non-qualified mortgages, as defined in 12 C.F.R. 1026.43, or the nontraditional mortgage product marketplace.
Official sourceLast verified Oct 25, 2026
ReciprocityEducation credit: NMLS-approved prelicensing education for another state within the previous 5 years receives credit toward Ohio's requirement.
Education credit: NMLS-approved prelicensing education for another state within the previous 5 years receives credit toward Ohio's requirement.
A person having successfully completed the pre-licensing education requirement reviewed and approved by the nationwide mortgage licensing system and registry for any state within the previous five years shall be granted credit toward completion of the pre-licensing education requirement of this state.
Official sourceLast verified Oct 25, 2026
Agency guidanceIndividuals acting as MLOs need an Ohio license; federally registered originators acting under that authority are excepted.
Individuals acting as MLOs need an Ohio license; federally registered originators acting under that authority are excepted.
No individual shall act as a mortgage loan originator without first having obtained a license from the superintendent. … An individual acting under the individual's authority as a registered mortgage loan originator shall not be required to be licensed under division (B)(1) of this section.
Official sourceLast verified Oct 25, 2026