NMLS License Ohio: Get Your Ohio Mortgage Loan Originator License in 2026!

Ohio Pre-Licensing Bundle

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20+4 HOUR OHIO COURSE

~~Starting at: $399~~ Now Only $279!

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Licensed in another state and want to add Ohio?

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4 HOUR OHIO ELECTIVE

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Obtaining a mortgage license and becoming a Ohio loan officer is very simple, but it’s not for everyone. It takes a willingness to learn the basic ins and outs of the industry as well as a desire to work hard. The mortgage industry is a great one to get into and it provides a lot of flexibility. If you like to work hard, you are a people person, and you have a desire to learn, becoming a mortgage loan officer is the perfect choice for you.

Additional General Electives

Ohio requires 20 hours of general elective that cannot be fulfilled using any other state specific electives. For your convenience, MEC offers both a 2 hour and 4 hour general elective course to fulfill the required education.

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2 HOUR GENERAL COURSE

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4 HOUR GENERAL COURSE

How to Get an NMLS Mortgage License in Ohio

1. Apply for your NMLS Account and ID Number

The first step to getting your Ohio mortgage license is applying for an NMLS account and ID number. To do so, go to the NMLS website.

2. Complete your NMLS Pre-License Education

Ohio requires new state-licensed MLOs to complete 24 hours of NMLS-approved education. This includes 3 hours of Federal law, 3 hours of ethics, 2 hours of non-traditional mortgage lending, 12 hours of electives, and 4 hours of Ohio-specific law.

3. Pass the NMLS Mortgage Licensing Exam

With your education complete, you need to schedule an appointment for the National test with UST content. Find more information on how to take your NMLS test here.

4. Complete Background Checks and Pay All Fees

To finalize your application and receive your license, you’ll need to pay several non-refundable fees and get a background check. Find out more about how to complete your background check and fingerprints here.

5. Apply for your Ohio Mortgage License

After receiving a passing score on your NMLS mortgage exam, you need to apply for your NMLS license. Learn more about this step here.

6. Associate your NMLS Account with your Employer

You won’t be fully licensed in Ohio until you have an employer sponsorship, which lets the government know that an employer is supervising your individual license. Learn how to associate your NMLS account with your employer here.

Ohio Frequently Asked Questions

Ohio Mortgage License Education Requirements

Topic	Hours Required
Fair Lending, Ethics, Fraud, and Consumer Protection	3 Hours
Federal Laws and Regulations	3 Hours
Non-Standard Lending	2 Hours
Undefined Electives	12 Hours
Ohio Specific Education	4 Hours
Total 24 Hours

What is the PE Expiration Policy in Ohio?

What's the Difference Between an Ohio Mortgage Broker License and an Ohio Loan Officer License?

Cost of Getting Your Ohio Mortgage Originator License

NMLS Fees
NMLS Initial Processing Fee	$30
Ohio Application Fee	$200
Credit Report	$15
FBI Criminal Background Check	$36.25
Total License Cost	$281.25

Ohio Continuing Education Requirements

Topic	Required Hours
Federal Regulations and Law	3 Hours
Ethics, including consumer protection, fair lending	2 Hours
Non-Traditional mortgage lending	2 Hours
Undefined Elective	1 Hour

Additional Questions?