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Ohio Mortgage loan originator License: Requirements, Cost & How to Apply (2026)

Quick answer

Required hours: 24 hours; Education: Includes 4 hours on Ohio lending laws and the Ohio Consumer Sales Practices Act; Exam: Pass the written test meeting Ohio Revised Code 1322.27. The license issued under division (A) of this section may be renewed annually on or before the thirty-first day of December.

$200

Application fee

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 source

24 hours

Required education

the applicant has successfully completed at least twenty-four hours of pre-licensing instruction
Official source

8 hours

Continuing education

Each licensee shall complete at least eight hours of continuing education every calendar year.
Official source

Verified Oct 25, 2026 · 3 official sources

How to get a mortgage loan originator license in Ohio

Application steps: Not verified yet. See the official instructions.

What are the Ohio mortgage loan originator license requirements?

Required hours

24 hours

the applicant has successfully completed at least twenty-four hours of pre-licensing instruction
Official source

Education

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 source

Exam

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 source

Licensing agency and application

Board

Ohio Superintendent of Financial Institutions

the superintendent of financial institutions shall issue a mortgage loan originator license to the applicant
Official source

Official agency page

Open the official agency page

the superintendent of financial institutions shall issue a mortgage loan originator license to the applicant
Official source

Apply with the agency

Open the official agency page

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 source

Reciprocity

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 source

Verified Oct 25, 2026 · 2 official sources

What else should I know?

Agency guidance

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 source

Verified Oct 25, 2026 · 1 official source

How do I renew my mortgage loan originator license in Ohio?

Renewal

The 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
Official source

Renewal period in years

The 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
Official source

Continuing education hours

8 hours

Each licensee shall complete at least eight hours of continuing education every calendar year.
Official source

Continuing education topics

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 source

Verified Oct 25, 2026 · 2 official sources

View renewal deadlines, fees and CE

Have a license or permit? Use the expiration date printed on it to set up your calendar and reminders.

How much does a mortgage loan originator license cost in Ohio?

Application fee

$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 source

Renewal fee

$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 source

Verified Oct 25, 2026 · 2 official sources

Confirm the charges and conditions for your application with the official agency.

How do I look up a mortgage loan originator license in Ohio?

License lookup link: Not verified yet. Check the licensing agency or browse license lookup by state.

What are the common questions?

How often do I renew a mortgage loan originator license in Ohio?

The 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
Official source

Verified Oct 25, 2026 · 1 official source

Which official sources support this guide?

Verified Oct 25, 2026 · 4 official sources

Official sources and verification (14)

Last verified Oct 25, 2026. Each quotation supports the corresponding published value.

Board

Ohio 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 source

Last verified Oct 25, 2026

Official agency page

Open 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 source

Last verified Oct 25, 2026

Apply with the agency

Open 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 source

Last verified Oct 25, 2026

Qualifications / Required hours

24 hours

24

the applicant has successfully completed at least twenty-four hours of pre-licensing instruction
Official source

Last verified Oct 25, 2026

Qualifications / Education

Includes 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 source

Last verified Oct 25, 2026

Qualifications / Exam

Pass 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 source

Last 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 source

Last 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 source

Last verified Oct 25, 2026

Renewal period in years

The 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 source

Last verified Oct 25, 2026

Renewal

The 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 source

Last verified Oct 25, 2026

Continuing education hours

8 hours

8

Each licensee shall complete at least eight hours of continuing education every calendar year.
Official source

Last verified Oct 25, 2026

Continuing education topics

3 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 source

Last verified Oct 25, 2026

Reciprocity

Education 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 source

Last verified Oct 25, 2026

Agency guidance

Individuals 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 source

Last verified Oct 25, 2026

Not yet verified: license fee — see the official agency.

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Mortgage loan originator in neighboring states

Neighboring states use Census adjacency data, including water and point boundaries.

Related licenses in Ohio

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Last verified Oct 25, 2026.

Official sources (4)

Not legal or tax advice. Confirm with the official agency before filing.