100+ Free OH MLO Practice Questions
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Key Facts: OH MLO Exam
75%
Passing Score
NMLS
55 Q
State Exam Questions
NMLS UST
20 hrs
Pre-License Education
DFI
$25,000
Surety Bond Minimum
Ohio
The Ohio MLO state exam covers Ohio-specific mortgage laws administered by the Division of Financial Institutions. Combined with the national NMLS SAFE exam, candidates must pass both components to originate mortgages in Ohio. Ohio is a judicial foreclosure state requiring all foreclosures to proceed through court, and MLOs must understand the Ohio Residential Mortgage Lending Act, trust account requirements, and the DFI's enforcement authority.
About the OH MLO Exam
The Ohio MLO state exam tests knowledge of Ohio-specific mortgage laws, licensing requirements, and consumer protection regulations. This exam is taken alongside the national NMLS SAFE exam component.
Questions
55 scored questions
Time Limit
1 hour 30 minutes
Passing Score
75%
Exam Fee
$110 (Ohio Division of Financial Institutions (DFI))
OH MLO Exam Content Outline
Ohio Licensing Requirements
State-specific education, renewal, surety bond, and licensing requirements
Ohio Mortgage Law
State mortgage statutes, RMLA, usury laws, and lending regulations
Consumer Protection
State disclosure requirements, borrower rights, fair lending
Regulatory Authority
DFI oversight, enforcement actions, examination authority, and compliance
Foreclosure Procedures
Ohio judicial foreclosure process, timelines, and borrower remedies
How to Pass the OH MLO Exam
What You Need to Know
- Passing score: 75%
- Exam length: 55 questions
- Time limit: 1 hour 30 minutes
- Exam fee: $110
Keys to Passing
- Complete 500+ practice questions
- Score 80%+ consistently before scheduling
- Focus on highest-weighted sections
- Use our AI tutor for tough concepts
OH MLO Study Tips from Top Performers
Frequently Asked Questions
What is the Ohio MLO exam?
The Ohio MLO exam is the state-specific component of the NMLS licensing test. It covers Ohio mortgage laws, licensing requirements administered by the Division of Financial Institutions, and state consumer protection regulations. You must pass both this state exam and the national SAFE exam.
How many questions are on the Ohio MLO state exam?
The Ohio MLO state exam has 55 questions with a 1 hour 30 minute time limit. You need 75% (approximately 41 correct) to pass. The exam is administered through NMLS at Prometric testing centers.
What Ohio-specific topics should I study?
Focus on the Ohio Residential Mortgage Lending Act, judicial foreclosure procedures through the court system, DFI enforcement authority, Ohio's trust account and escrow requirements, the Homebuyer Protection Act, and the state's surety bond and net worth requirements.
What are the Ohio MLO license requirements?
Ohio requires 20 hours of NMLS-approved pre-license education including 3 hours of Ohio-specific content, passing scores on both the national and state exams, FBI fingerprint background check, a minimum surety bond of $25,000, and license application through NMLS. Renewal requires 8 hours of annual continuing education.