{"Result":[{"LicenseTypeID":1035,"LicenseRequirementID":3820,"RequirementText":"<p class=\"MsoNormal\" style=\"font-size: 16px; font-family: 'Times New Roman', serif; margin: 8px 0in;\"><span style=\"font-family: arial, helvetica, sans-serif; font-size: 15px; color: #000000;\"><strong style=\"mso-bidi-font-weight: normal;\">Company Sponsorship: </strong>A sponsorship request must be submitted by your employer. OH will review and accept or reject the sponsorship request.&nbsp;</span></p>\n<p class=\"MsoNormal\" style=\"font-size: 16px; font-family: 'Times New Roman', serif; margin: 8px 0in;\"><span style=\"font-size: 15px; font-family: arial, helvetica, sans-serif; color: #000000;\">OH offers an &ldquo;Approved-Inactive&rdquo; license status. If you are not currently employed by a mortgage company (or your employer has not yet requested sponsorship on your behalf) and you have completed all requirements for this license, the license may be issued as &ldquo;Approved-Inactive&rdquo; until sponsorship by a mortgage company is acquired. While in &ldquo;Approved-Inactive&rdquo; status, you are NOT authorized to conduct business.</span></p>","IsNote":true,"SubmittedVia":"<p><span style=\"font-family: arial, helvetica, sans-serif; font-size: 15px;\"><strong style=\"mso-bidi-font-weight: normal;\">NMLS</strong></span></p>","Order":null,"RequirementsCategory":44,"NMLSDocumentUploadType":49,"PostApplicationTaskGenerated":null,"LicenseItemType":null,"AdditionalTaskInfo":null,"ModifiedBy":"Courtney Hill (cgifford@csbs.org) (cgifford@csbs.org)","Modified":"2025-08-22T20:02:29.363","Version":5,"ChangeType":"MOD"},{"LicenseTypeID":1035,"LicenseRequirementID":3821,"RequirementText":"<p><span style=\"font-family: arial, helvetica, sans-serif; font-size: 15px; color: #000000;\"><strong style=\"mso-bidi-font-weight: normal;\">Employment History: </strong>The business address listed in the <em style=\"mso-bidi-font-style: normal;\">Employment&nbsp;</em>section of the Individual Form (MU4) must match the address of the registered location in the Company Relationship.</span></p>","IsNote":true,"SubmittedVia":"<p><span style=\"font-family: arial, helvetica, sans-serif; font-size: 15px;\"><strong style=\"mso-bidi-font-weight: normal;\">NMLS</strong></span></p>","Order":null,"RequirementsCategory":44,"NMLSDocumentUploadType":49,"PostApplicationTaskGenerated":null,"LicenseItemType":null,"AdditionalTaskInfo":null,"ModifiedBy":"Courtney Hill (cgifford@csbs.org) (cgifford@csbs.org)","Modified":"2025-08-22T20:02:52.01","Version":3,"ChangeType":"MOD"},{"LicenseTypeID":1035,"LicenseRequirementID":3822,"RequirementText":"<p class=\"MsoNormal\" style=\"font-size: 16px; font-family: 'Times New Roman', serif; margin: 8px 0in;\"><span style=\"font-family: arial, helvetica, sans-serif; font-size: 15px;\"><span style=\"color: #000000;\"><strong style=\"mso-bidi-font-weight: normal;\">Ohio Attestation:<span style=\"mso-spacerun: yes;\">&nbsp; </span></strong>Download, execute, and upload the</span> <a style=\"color: blue; text-decoration: underline;\" href=\"https://dam.assets.ohio.gov/image/upload/com.ohio.gov/FIIN/CF/NMLS%20Checklist%20Forms/fiin_IndividualAttestation.pdf\" target=\"_blank\" rel=\"noopener\">Ohio License Attestation</a></span></p>\n<p><span style=\"font-size: 15px; font-family: arial, helvetica, sans-serif; color: #000000;\">This document should be named <em style=\"mso-bidi-font-style: normal;\"><span style=\"text-decoration: underline;\">MLO Ohio Attestation</span></em></span></p>","IsNote":null,"SubmittedVia":"<p><span style=\"font-size: 15px; font-family: arial, helvetica, sans-serif; color: #000000;\"><strong>Upload in NMLS: </strong>Upload document in NMLS in the Agency Guidance section under Document Type <span style=\"text-decoration: underline;\">Verification of Experience</span>.&nbsp;</span></p>","Order":null,"RequirementsCategory":41,"NMLSDocumentUploadType":51,"PostApplicationTaskGenerated":null,"LicenseItemType":null,"AdditionalTaskInfo":null,"ModifiedBy":"Courtney Hill (cgifford@csbs.org) (cgifford@csbs.org)","Modified":"2025-08-22T20:06:13.91","Version":7,"ChangeType":"MOD"},{"LicenseTypeID":1035,"LicenseRequirementID":3823,"RequirementText":"<p class=\"MsoNormal\" style=\"font-size: 16px; font-family: 'Times New Roman', serif; margin: 8px 0in;\"><span style=\"font-family: arial, helvetica, sans-serif; font-size: 15px; color: #000000;\"><strong style=\"mso-bidi-font-weight: normal;\">Verification of Experience - Operations Managers ONLY: </strong>Provide a resume with detailed job descriptions and duties performed to show experience that meets the requirements contained in ORC 1322.12. In particular, the experience must include &ldquo;at least three years of experience as a mortgage loan originator or registered mortgage loan originator.&rdquo; </span></p>\n<p><span style=\"font-size: 15px; font-family: arial, helvetica, sans-serif; color: #000000;\">This document should be named <span style=\"text-decoration: underline;\"><em style=\"mso-bidi-font-style: normal;\">RMLA-OM Experience</em></span></span></p>","IsNote":null,"SubmittedVia":"<p><span style=\"font-size: 15px; font-family: arial, helvetica, sans-serif; color: #000000;\"><strong>Upload in NMLS: </strong>Upload document in NMLS in the Agency Guidance section under Document Type <span style=\"text-decoration: underline;\">Verification of Experience</span>.&nbsp;</span></p>","Order":null,"RequirementsCategory":null,"NMLSDocumentUploadType":null,"PostApplicationTaskGenerated":null,"LicenseItemType":null,"AdditionalTaskInfo":null,"ModifiedBy":"Ms. Kristy Meyers (kristy.meyers@com.ohio.gov)","Modified":"2025-08-25T18:03:07.75","Version":4,"ChangeType":"MOD"},{"LicenseTypeID":1035,"LicenseRequirementID":3824,"RequirementText":"<p><span style=\"font-family: arial, helvetica, sans-serif; font-size: 15px; color: #000000;\">An FBI criminal history background report must be provided and the applicant must meet the following minimum criteria:</span></p>\n<ul>\n<li style=\"font-family: arial, helvetica, sans-serif; font-size: 15px; color: #000000;\"><span style=\"font-family: arial, helvetica, sans-serif; font-size: 15px; color: #000000;\">Never had a mortgage license, registration or comparable authority revoked in any governmental jurisdiction;</span></li>\n<li style=\"font-family: arial, helvetica, sans-serif; font-size: 15px; color: #000000;\"><span style=\"font-family: arial, helvetica, sans-serif; font-size: 15px; color: #000000;\">Never been convicted of or plead guilty to a felony involving fraud, dishonesty, breach of trust, theft or money laundering;</span></li>\n<li style=\"font-family: arial, helvetica, sans-serif; font-size: 15px; color: #000000;\"><span style=\"font-family: arial, helvetica, sans-serif; font-size: 15px; color: #000000;\">During the seven years immediately preceding application has not been convicted of or plead guilty to any felony; and</span></li>\n<li style=\"font-family: arial, helvetica, sans-serif; font-size: 15px; color: #000000;\"><span style=\"font-family: arial, helvetica, sans-serif; font-size: 15px; color: #000000;\">During the seven years immediately preceding application has not been convicted of or plead guilty to a misdemeanor involving theft.</span></li>\n</ul>","IsNote":true,"SubmittedVia":"<p class=\"MsoNormal\" style=\"margin: 8px 0in;\"><span style=\"font-family: arial, helvetica, sans-serif; font-size: 15px;\"><strong>NMLS</strong></span></p>","Order":null,"RequirementsCategory":38,"NMLSDocumentUploadType":49,"PostApplicationTaskGenerated":null,"LicenseItemType":null,"AdditionalTaskInfo":null,"ModifiedBy":"Courtney Hill (cgifford@csbs.org) (cgifford@csbs.org)","Modified":"2025-08-22T20:04:23.97","Version":4,"ChangeType":"MOD"},{"LicenseTypeID":1035,"LicenseRequirementID":19911,"RequirementText":"<p><span style=\"font-family: arial, helvetica, sans-serif; font-size: 15px; color: #000000;\"><strong>Credit Report Explanations:</strong> If applicable, submit a line by line, detailed letter of explanation of all derogatory credit accounts along with proof of payoffs, payment arrangements and evidence of payments made, or evidence of any formal dispute filed (documents must be dated). Accounts to address include, but are not limited to: collections items, charge offs, accounts currently past due, accounts with serious delinquencies in the last 3 years, repossessions, loan modifications, etc.</span></p>\n<p><span style=\"font-family: arial, helvetica, sans-serif; font-size: 15px; color: #000000;\"><u>Note</u>: Items regarding bankruptcy, foreclosure actions, outstanding judgments or liens, or delinquent child support payments should be addressed in the Disclosure Explanations section of your Individual Form (MU4).</span></p>\n<p><span style=\"font-family: arial, helvetica, sans-serif; font-size: 15px; color: #000000;\">This document should be named <em><span style=\"text-decoration: underline;\">MLO Credit Report Explanations &ndash; Sub Name &ndash; Document Creation Date</span></em></span></p>","IsNote":null,"SubmittedVia":"<p><span style=\"font-size: 15px; font-family: arial, helvetica, sans-serif; color: #000000;\"><strong>Upload in NMLS: </strong>Upload document in NMLS in the Agency Guidance section under Document Type <span style=\"text-decoration: underline;\">Credit Report Explanations</span></span></p>","Order":null,"RequirementsCategory":36,"NMLSDocumentUploadType":50,"PostApplicationTaskGenerated":null,"LicenseItemType":null,"AdditionalTaskInfo":null,"ModifiedBy":"Ms. Kristy Meyers (kristy.meyers@com.ohio.gov)","Modified":"2025-08-25T18:03:39.047","Version":4,"ChangeType":"MOD"},{"LicenseTypeID":1035,"LicenseRequirementID":19912,"RequirementText":"<p><span style=\"font-family: arial, helvetica, sans-serif; font-size: 15px; color: #000000;\"><strong>Company Electronic Surety Bond (ONLY REQUIRED FOR EMPLOYEES OF EXEMPT ENTITIES, but can be held by all MLOs):&nbsp;</strong>Applicants or the applicant&rsquo;s employer must provide a copy of the surety bond issued by a bonding company or insurance company authorized to do business in Ohio. The bond must meet the following criteria:</span></p>\n<ul>\n<li style=\"font-family: arial, helvetica, sans-serif; font-size: 15px; color: #000000;\"><span style=\"font-family: arial, helvetica, sans-serif; font-size: 15px; color: #000000;\">Must be in favor of the Superintendent of Financial Institutions.</span></li>\n<li style=\"font-family: arial, helvetica, sans-serif; font-size: 15px; color: #000000;\"><span style=\"font-family: arial, helvetica, sans-serif; font-size: 15px; color: #000000;\">Must be in the penal sum of one-half percent of the aggregate loan amount of residential mortgage loans originated in the immediately preceding calendar year, not to exceed $150,000 ($100,000 if individual loan originator is providing their own bond.)</span></li>\n<li style=\"font-family: arial, helvetica, sans-serif; font-size: 15px; color: #000000;\"><span style=\"font-family: arial, helvetica, sans-serif; font-size: 15px; color: #000000;\">Under no circumstances can the bond be less than $50,000 plus an additional penal sum of $10,000 for each branch location.</span></li>\n<li style=\"font-family: arial, helvetica, sans-serif; font-size: 15px; color: #000000;\"><span style=\"font-family: arial, helvetica, sans-serif; font-size: 15px; color: #000000;\">The term of the bond must coincide with the term of registration in Ohio.</span></li>\n<li style=\"font-family: arial, helvetica, sans-serif; font-size: 15px; color: #000000;\"><span style=\"font-family: arial, helvetica, sans-serif; font-size: 15px; color: #000000;\">The name of the principal insured on the bond must match exactly the full legal name of the applicant.</span></li>\n</ul>\n<p><span style=\"font-family: arial, helvetica, sans-serif; font-size: 15px; color: #000000;\"><strong>NOTE: Applicants working for companies holding a Certificate of Registration under RMLA are not required to provide evidence of a Surety Bond, but they may choose to do so. Only employees of companies holding a Letter of Exemption under O.R.C. 1322.05 (CUSOs and certain Depository Institutions) are required provide the surety bond with their application.&nbsp;</strong></span></p>","IsNote":true,"SubmittedVia":"<p><span style=\"font-size: 15px; font-family: arial, helvetica, sans-serif;\"><strong>Electronic Surety Bond in NMLS</strong> </span></p>","Order":null,"RequirementsCategory":42,"NMLSDocumentUploadType":49,"PostApplicationTaskGenerated":null,"LicenseItemType":null,"AdditionalTaskInfo":null,"ModifiedBy":"Courtney Hill (cgifford@csbs.org) (cgifford@csbs.org)","Modified":"2025-08-22T20:08:24.927","Version":7,"ChangeType":"MOD"}],"Id":22500,"Exception":null,"Status":5,"IsCanceled":false,"IsCompleted":true,"IsCompletedSuccessfully":true,"CreationOptions":0,"AsyncState":null,"IsFaulted":false}