{"id":10279,"date":"2023-08-18T10:40:03","date_gmt":"2023-08-18T15:40:03","guid":{"rendered":"https:\/\/www.morty.com\/resources\/?p=10279"},"modified":"2025-01-30T21:22:46","modified_gmt":"2025-01-31T02:22:46","slug":"becoming-a-loan-officer-in-ohio","status":"publish","type":"post","link":"https:\/\/www.morty.com\/resources\/loan-officers\/becoming-a-loan-officer-in-ohio","title":{"rendered":"Become a Loan Officer in Ohio"},"content":{"rendered":"\n<p>If you&#8217;re interested in becoming a mortgage loan officer in Ohio, there is a clear path to follow to get your Ohio MLO license and begin your career in the residential mortgage industry. Whether you\u2019re drawn to the fast-paced real estate markets of Columbus, Cleveland, Cincinnati, or other growing cities across Ohio, the demand for skilled mortgage loan originators (MLOs) is strong.\u00a0The term loan originator, licensed mortgage loan officer are frequently used interchangeably and both reflect the important job of helping home buyers find and secure the right home loan for them.<\/p>\n\n\n\n<p><a href=\"https:\/\/www.morty.com\/resources\/loan-officers\/important-skills-for-successful-loan-officers\">To be a successful loan officer<\/a> you&#8217;ll need both a comprehensive understanding of the mortgage industry, financial regulations as well as good interpersonal and communication skills. You&#8217;ll need to learn the national and Ohio state-level guidelines and pass an exam to show your mortgage knowledge and expertise. Let\u2019s dive into our step-by-step guide of how to become a mlo in OH and fulfill all of the mortgage license requirements.<\/p>\n\n\n\n<div class=\"wp-block-ht-block-toc  is-style-outline htoc htoc--position-wide toc-list-style-plain\" data-htoc-state=\"expanded\"><span class=\"htoc__title\"><span class=\"ht_toc_title\">In this article<\/span><span class=\"htoc__toggle\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\"><g fill=\"#444\"><path d=\"M15 7H1c-.6 0-1 .4-1 1s.4 1 1 1h14c.6 0 1-.4 1-1s-.4-1-1-1z\"><\/path><path d=\"M15 1H1c-.6 0-1 .4-1 1s.4 1 1 1h14c.6 0 1-.4 1-1s-.4-1-1-1zM15 13H1c-.6 0-1 .4-1 1s.4 1 1 1h14c.6 0 1-.4 1-1s-.4-1-1-1z\"><\/path><\/g><\/svg><\/span><\/span><div class=\"htoc__itemswrap\"><ul class=\"ht_toc_list\"><li class=\"\"><a href=\"#htoc-step-1-request-an-nmls-account\">Step 1: Request your NMLS account<\/a><\/li><li class=\"\"><a href=\"#htoc-step-2-receive-nmls-id-number\">Step 2: Receive your personal NMLS ID number<\/a><\/li><li class=\"\"><a href=\"#htoc-step-3-check-state-specific-licensing-requirements-for-ohio\">Step 3: Review all the state-specific licensing requirements for Ohio<\/a><\/li><li class=\"\"><a href=\"#htoc-step-4-complete-pre-licensing-mortgage-coursework\">Step 4:&nbsp; Complete national and Ohio pre-licensing mortgage coursework<\/a><\/li><li class=\"\"><a href=\"#htoc-step-5-prepare-for-the-safe-exam\">Step 5: Prepare for the national SAFE Exam<\/a><\/li><li class=\"\"><a href=\"#htoc-step-6-pass-the-national-safe-exam-to-become-an-mlo\">Step 6: Pass the national SAFE exam<\/a><\/li><li class=\"\"><a href=\"#htoc-step-7-complete-a-background-check\">Step 7: Complete a background check and get fingerprinted<\/a><\/li><li class=\"\"><a href=\"#htoc-step-8-submit-your-mortgage-licensing-application\">Step 8: Submit your mortgage license application to NMLS<\/a><\/li><li class=\"\"><a href=\"#htoc-step-9-get-sponsored-by-a-mortgage-company\">Step 9: Get sponsored by a mortgage company<\/a><\/li><li class=\"\"><a href=\"#htoc-are-you-looking-for-mortgage-sponsorship-in-texas\">Are you looking for mortgage sponsorship in Ohio?<\/a><\/li><li class=\"\"><a href=\"#htoc-looking-to-get-your-mortgage-license-in-multiple-states\">Interested in getting your MLO license in multiple states?<\/a><\/li><li class=\"\"><a href=\"#htoc-a\">Join the Morty platform and build a mortgage business<\/a><\/li><\/ul><\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-step-1-request-an-nmls-account\">Step 1: Request your NMLS account<\/h2>\n\n\n\n<p>Start your journey to become an mlo by requesting an <a href=\"https:\/\/www.statemortgageregistry.com\/Public\/RequestAccount.aspx\" rel=\"nofollow\">NMLS account<\/a> through the Nationwide Multistate Licensing System &amp; Registry (NMLS website), which is also commonly referred to as the Nationwide Mortgage Licensing System. If you already have an NMLS account, and are looking to add Ohio to your mortgage license, skip to step #3.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-step-2-receive-nmls-id-number\">Step 2: Receive your personal NMLS ID number<\/h2>\n\n\n\n<p>Once you\u2019ve registered with the NMLS, you\u2019ll receive an individual NMLS ID number to use throughout your career as a mortgage loan officer. The same NMLS ID is used for your license in Ohio and any other states you might consider getting licensed in like <a href=\"https:\/\/www.morty.com\/resources\/loan-officers\/becoming-a-loan-officer-in-michigan\">Michigan<\/a>, <a href=\"https:\/\/www.morty.com\/resources\/loan-officers\/becoming-a-loan-officer-in-indiana\">Indiana<\/a>, <a href=\"https:\/\/www.morty.com\/resources\/loan-officers\/becoming-a-loan-officer-in-pennsylvania\">Pennsylvania<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-step-3-check-state-specific-licensing-requirements-for-ohio\">Step 3: Review all the state-specific licensing requirements for Ohio<\/h2>\n\n\n\n<p>Check Ohio&#8217;s state-specific licensing requirements through <a href=\"https:\/\/mortgage.nationwidelicensingsystem.org\/slr\/Pages\/DynamicLicenses.aspx?StateID=OH\">NMLS Resource Center, State Licensing<\/a> website. Here you&#8217;ll find the additional steps required to obtain your MLO license in Ohio. You will want to complete this step <a href=\"https:\/\/www.morty.com\/resources\/loan-officers\/how-to-get-licensed-as-a-mortgage-loan-officer-in-multiple-states\">for any additional state<\/a> you&#8217;d like to get licensed in.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-step-4-complete-pre-licensing-mortgage-coursework\">Step 4:&nbsp; Complete national and Ohio pre-licensing mortgage coursework<\/h2>\n\n\n\n<p>Complete the required 20 hours of pre-licensing coursework. Pre-licensing classes for becoming a mortgage loan officer cover a range of topics from mortgage industry fundamentals and financial regulations to ethics and professional conduct. In Ohio, 3 additional hours of work must be completed that are dedicated to state-specific laws and regulations. <\/p>\n\n\n\n<p>Morty recommends&nbsp;<a href=\"https:\/\/www.oncourselearning.com\/mortgage\/ohio\/mortgage\/new-license\" rel=\"nofollow\">Oncourse Learning<\/a>&nbsp;as a pre-licensing coursework provider. If you\u2019d like other recommendations, reach out through our&nbsp;<a href=\"https:\/\/platform.morty.com\/join\/\">Platform Loan Officer<\/a>&nbsp;program.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-step-5-prepare-for-the-safe-exam\">Step 5:<strong> <\/strong>Prepare for the national SAFE Exam<\/h2>\n\n\n\n<p>After you&#8217;ve completed your 20 hours pre license education and the additional 3 hours of Ohio specific education, it&#8217;s time to study for your SAFE exam. First you&#8217;ll want to purchase your SAFE test prep materials and practice tests to begin studying and getting ready for the Secure and Fair Enforcement (SAFE) exam. This exam was instituted by Congress as part of the <a href=\"https:\/\/en.wikipedia.org\/wiki\/Housing_and_Economic_Recovery_Act_of_2008#Secure_and_Fair_Enforcement_for_Mortgage_Licensing_Act_of_2008\">Secure and Fair Enforcement for Mortgage Licensing Act<\/a>, known as the SAFE Act, of 2008.<\/p>\n\n\n\n<div class=\"wp-block-media-text alignwide is-image-fill-element has-white-color has-theme-palette-1-background-color has-text-color has-background\" style=\"grid-template-columns:31% auto\"><figure class=\"wp-block-media-text__media\"><a href=\"https:\/\/platform.morty.com\/blueprint-guide\/\"><img loading=\"lazy\" decoding=\"async\" width=\"634\" height=\"1024\" src=\"https:\/\/www.morty.com\/resources\/wp-content\/uploads\/2023\/12\/gewn-634x1024.webp\" alt=\"\" class=\"wp-image-12848 size-full\" style=\"object-position:50% 50%\" srcset=\"https:\/\/www.morty.com\/resources\/wp-content\/uploads\/2023\/12\/gewn-634x1024.webp 634w, https:\/\/www.morty.com\/resources\/wp-content\/uploads\/2023\/12\/gewn-186x300.webp 186w, https:\/\/www.morty.com\/resources\/wp-content\/uploads\/2023\/12\/gewn-768x1240.webp 768w, https:\/\/www.morty.com\/resources\/wp-content\/uploads\/2023\/12\/gewn-951x1536.webp 951w, https:\/\/www.morty.com\/resources\/wp-content\/uploads\/2023\/12\/gewn-1269x2048.webp 1269w, https:\/\/www.morty.com\/resources\/wp-content\/uploads\/2023\/12\/gewn.webp 1338w\" sizes=\"auto, (max-width: 634px) 100vw, 634px\" \/><\/a><\/figure><div class=\"wp-block-media-text__content\">\n<div style=\"height:5px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-theme-palette-9-color has-text-color\" id=\"htoc-g\">Get a leg up with licensing.<\/h3>\n\n\n\n<p class=\"has-text-align-center\" id=\"htoc-ready-to-move-forward\" style=\"font-size:20px\">Morty\u2019s can help you prep and pass your <strong>SAFE Mortgage Loan Originator exam<\/strong>.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-1 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button has-custom-width wp-block-button__width-75\"><a class=\"wp-block-button__link has-theme-palette-3-color has-white-background-color has-text-color has-background wp-element-button\" href=\"https:\/\/platform.morty.com\/product-category\/licensing-support\/\" style=\"border-radius:100px\" target=\"_blank\" rel=\"noreferrer noopener\">licensing resources<\/a><\/div>\n<\/div>\n\n\n\n<div style=\"height:5px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-step-6-pass-the-national-safe-exam-to-become-an-mlo\">Step 6: Pass the national SAFE exam<\/h2>\n\n\n\n<p>To obtain your MLO license, you\u2019ll need to pass the NMLS&#8217;s SAFE Mortgage Loan Originator Test with a score of 75% or higher. This exam is meant to test your understanding of core concepts in mortgage lending. The SAFE exam is 190 minutes long, and costs $110.&nbsp;<\/p>\n\n\n\n<p><a href=\"https:\/\/mortgage.nationwidelicensingsystem.org\/profreq\/testing\/Pages\/default.aspx\">Schedule your test<\/a>&nbsp;at your convenience and when you feel prepared. If you don\u2019t pass the exam on your first attempt, you&#8217;ll have to wait 30 days before retaking the SAFE exam.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-step-7-complete-a-background-check\">Step 7: Complete a background check and get fingerprinted<\/h2>\n\n\n\n<p>Next, you must complete a criminal background check and get fingerprinted. The background check can be initiated through your NMLS portal. You can also make your appointment to have your fingerprints taken through the NMLS portal. The current cost of both the background check and the fingerprinting is $36.25.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-step-8-submit-your-mortgage-licensing-application\">Step 8: Submit your mortgage license application to NMLS<\/h2>\n\n\n\n<p>Once you&#8217;ve passed your test, done your background checks and submitted a licensing application, you&#8217;re ready to submit your Ohio mortgage license application! To submit your application, head to your <a href=\"https:\/\/mortgage.nationwidelicensingsystem.org\/Pages\/default.aspx\" rel=\"nofollow\">NMLS portal<\/a> to: complete your Individual Form (MU4) and pay your NMLS fees. The cost to submit your mortgage officer license in Ohio is: $30 NMLS application fee, a $200 state application fee and a $15 credit report fee.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-step-9-get-sponsored-by-a-mortgage-company\">Step 9: Get sponsored by a mortgage company<\/h2>\n\n\n\n<p>After finding and being hired by a mortgage originator, that&#8217;s either a <a href=\"https:\/\/www.morty.com\/resources\/loan-officers\/how-is-being-a-loan-officer-different-at-a-mortgage-broker-vs-mortgage-lender\">mortgage broker like Morty or a mortgage lender<\/a>, you can initiate the sponsorship process by submitting the company\u2019s credentials to the NMLS for verification. As soon as NMLS gives final approval \u2014 congrats, you officially have your mortgage loan originator license in Ohio!<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-are-you-looking-for-mortgage-sponsorship-in-texas\">Are you looking for mortgage sponsorship in Ohio?<\/h2>\n\n\n\n<p>If you&#8217;ve completed the pre-licensing work and passed the SAFE exam to become a loan officer in Ohio, the next thing to consider is what mortgage company will to sponsor your license. <\/p>\n\n\n\n<p>We&#8217;d love for you to be sponsored by Morty! <a href=\"https:\/\/www.morty.com\">Morty<\/a> is a technology-enabled online licensed <a href=\"https:\/\/www.morty.com\/resources\/loan-officers\/how-is-being-a-loan-officer-different-at-a-mortgage-broker-vs-mortgage-lender\">mortgage broker<\/a>. Morty offers loan officers, and their clients, a better, more seamless mortgage experience through our <a href=\"https:\/\/www.morty.com\/products\/lender-network\">lender marketplace<\/a>, <a href=\"https:\/\/www.morty.com\/mortgage-rates\/ohio\">competitive pricing<\/a>, <a href=\"https:\/\/www.morty.com\/products\/point-of-sale\">affordability tools<\/a>, underwriting technology, along with the built-in support from our processing and fulfillment teams. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-looking-to-get-your-mortgage-license-in-multiple-states\">Interested in getting your MLO license in multiple states?<\/h2>\n\n\n\n<p>If you&#8217;re an existing mortgage loan officer, you may be interested in getting licensed in multiple states to help you grow your business and find new opportunities. To become licensed in states other than Florida, you&#8217;ll need to fulfill the additional education requirements for each state and submit your license application for each state through NMLS. <\/p>\n\n\n\n<p>Morty is&nbsp;<a href=\"https:\/\/www.morty.com\/legal\/licensing\">licensed in 45 states<\/a>&nbsp;and can help you&nbsp;<a href=\"https:\/\/platform.morty.com\/join\/\">quickly get sponsored<\/a>&nbsp;in multiple states. To help, we compiled mortgage licensing guides for many states including:&nbsp;<a href=\"https:\/\/www.morty.com\/resources\/loan-officers\/becoming-a-loan-officer-in-new-jersey\">New Jersey<\/a>, <a href=\"https:\/\/www.morty.com\/resources\/loan-officers\/becoming-a-loan-officer-in-michigan\">Michigan<\/a>, <a href=\"https:\/\/www.morty.com\/resources\/loan-officers\/becoming-a-loan-officer-in-pennsylvania\">Pennsylvania<\/a> and <a href=\"https:\/\/www.morty.com\/resources\/loan-officers\/becoming-a-loan-officer-in-delaware\">Delaware<\/a>.<\/p>\n\n\n\n<div class=\"wp-block-media-text alignwide is-stacked-on-mobile has-white-color has-theme-palette-1-background-color has-text-color has-background\" style=\"grid-template-columns:37% auto\"><figure class=\"wp-block-media-text__media\"><a href=\"https:\/\/platform.morty.com\/public-uplevel-guides\/\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"1024\" src=\"https:\/\/www.morty.com\/resources\/wp-content\/uploads\/2023\/12\/network_sq-1024x1024.webp\" alt=\"\" class=\"wp-image-12842 size-full\" srcset=\"https:\/\/www.morty.com\/resources\/wp-content\/uploads\/2023\/12\/network_sq-1024x1024.webp 1024w, https:\/\/www.morty.com\/resources\/wp-content\/uploads\/2023\/12\/network_sq-300x300.webp 300w, https:\/\/www.morty.com\/resources\/wp-content\/uploads\/2023\/12\/network_sq-150x150.webp 150w, https:\/\/www.morty.com\/resources\/wp-content\/uploads\/2023\/12\/network_sq-768x768.webp 768w, https:\/\/www.morty.com\/resources\/wp-content\/uploads\/2023\/12\/network_sq-600x600.webp 600w, https:\/\/www.morty.com\/resources\/wp-content\/uploads\/2023\/12\/network_sq-120x120.webp 120w, https:\/\/www.morty.com\/resources\/wp-content\/uploads\/2023\/12\/network_sq.webp 1208w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/a><\/figure><div class=\"wp-block-media-text__content\">\n<p class=\"has-text-align-center has-large-font-size\" id=\"htoc-take-your-career-to-the-next-level-with-uplevel-guides\">Take your career to the next level, with UpLevel Guides.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-2 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button has-custom-width wp-block-button__width-75\"><a class=\"wp-block-button__link has-theme-palette-3-color has-white-background-color has-text-color has-background wp-element-button\" href=\"https:\/\/platform.morty.com\/public-uplevel-guides\/\" style=\"border-radius:100px\" target=\"_blank\" rel=\"noreferrer noopener\">get the guides<\/a><\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-a\">Join the Morty platform and build a mortgage business<\/h2>\n\n\n\n<p id=\"htoc-morty-makes-it-quick-and-easy-to-for-licensed-mlos-to-get-sponsored-and-work-off-our-platform-the-morty-platform-is-free-to-join-but-if-you-re-thinking-about-starting-your-own-mortgage-brokerage-in-texas-take-a-look-at-our-platform-business-tiers-these-tiers-are-specifically-designed-to-give-you-the-independence-to-start-or-scale-your-mortgage-brand-with-the-resources-infrastructure-and-technology-you-need-to-be-profitable-in-today-s-mortgage-industry\">Morty makes it quick and easy to for licensed MLOs to get sponsored and work off our platform. We support mortgage professionals from <a href=\"https:\/\/www.morty.com\/solutions\/independent-loan-officer\">independent LOs<\/a> to <a href=\"https:\/\/www.morty.com\/pricing\">bustling brokerages<\/a>. You can be live in as little a week if you <a href=\"https:\/\/www.morty.com\/pricing\">get started today<\/a>!<\/p>\n\n\n\n<p id=\"htoc-q\">If you&#8217;re interested in <a href=\"https:\/\/www.morty.com\/resources\/mortgage-brokerage\/how-to-open-a-mortgage-brokerage-in-ohio\">setting up your own brokerage in Ohio<\/a>, <a href=\"https:\/\/www.morty.com\/pricing\">explore our business tiers<\/a>. Each tier is designed to give you the independence to run your business and brand your way with the resources, infrastructure and technology you need to be profitable in today\u2019s mortgage industry.<\/p>\n\n\n\n<p>Fill out the form below to learn more about Morty.<\/p>\n\n\n\n<div class=\"wp-block-genesis-blocks-gb-container gb-block-container\"><div class=\"gb-container-inside\"><div class=\"gb-container-content\">\n<div class=\"wp-block-leadin-hubspot-form-block\">\n\t\t\t\t\t\t<script>\n\t\t\t\t\t\t\twindow.hsFormsOnReady = window.hsFormsOnReady || [];\n\t\t\t\t\t\t\twindow.hsFormsOnReady.push(()=>{\n\t\t\t\t\t\t\t\thbspt.forms.create({\n\t\t\t\t\t\t\t\t\tportalId: 21078423,\n\t\t\t\t\t\t\t\t\tformId: \"2f48f9c8-57c5-470f-a774-c6e8a6623707\",\n\t\t\t\t\t\t\t\t\ttarget: \"#hbspt-form-1789191231000-7884587003\",\n\t\t\t\t\t\t\t\t\tregion: \"na1\",\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t})});\n\t\t\t\t\t\t<\/script>\n\t\t\t\t\t\t<div class=\"hbspt-form\" id=\"hbspt-form-1789191231000-7884587003\"><\/div><\/div>\n<\/div><\/div><\/div>\n","protected":false},"excerpt":{"rendered":"<p>If you&#8217;re interested in becoming a mortgage loan officer in Ohio, there is a clear&#8230;<\/p>\n","protected":false},"author":38,"featured_media":10732,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","_lmt_disableupdate":"no","_lmt_disable":"","_kad_blocks_custom_css":"","_kad_blocks_head_custom_js":"","_kad_blocks_body_custom_js":"","_kad_blocks_footer_custom_js":"","_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"hide","_kad_post_feature":"hide","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"footnotes":""},"categories":[690,761],"tags":[725,721,724,731,726,760],"series":[],"class_list":["post-10279","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-loan-officers","category-state-licensing","tag-mortgage-license-application","tag-national-safe-exam","tag-nmls","tag-ohio","tag-pre-licensing-mortgage-coursework","tag-state-mortgage-licensing-requirements"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.3.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Guide to Becoming a Mortgage Loan Officer in Ohio<\/title>\n<meta name=\"description\" content=\"Considering becoming an MLO in Ohio? This guide has all you need to get your NMLS license, including education, exam requirements and sponsorship.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.morty.com\/resources\/loan-officers\/becoming-a-loan-officer-in-ohio\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Guide to Becoming a Mortgage Loan Officer in Ohio\" \/>\n<meta property=\"og:description\" content=\"Considering becoming an MLO in Ohio? 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