Ohio Mortgage Loan Originator (MLO) Practice Exam 2026 - Free MLO Practice Questions and Study Guide

The Ohio Division of Financial Institutions is the correct entity responsible for overseeing the licensing and regulation of Mortgage Loan Originators in Ohio. This division operates under the Ohio Department of Commerce and is tasked with ensuring that mortgage professionals comply with state laws and regulations, which includes managing the licensing process. They enforce standards that help promote ethical lending practices and protect consumers in the mortgage industry.

The other choices involve governance and regulatory functions but do not pertain directly to the licensing of Mortgage Loan Originators in Ohio. The Ohio Secretary of State deals primarily with business registrations and elections, while the Federal Housing Administration provides insurance on loans but does not regulate mortgage originators. The Consumer Financial Protection Bureau oversees many aspects of financial consumer protection on a federal level but does not handle state licensing specific to Ohio.