West Virginia Mortgage License Requirements
Learn about the West Virginia mortgage education requirements for mortgage licensing.
In the state of West Virginia, mortgage loan originators are required to:
- Complete a Criminal Background Check (CBC).
- Authorize a credit report through the NMLS.
- Fulfill all state and federal education requirements as designated by your state agency.
- Take and pass the National Test.
- Sufficient financial responsibility, character, and general fitness.
- Sponsorship by current employer.
West Virginia NMLS Pre-Licensing Education Requirements:
New state-licensed MLOs are required 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 training
- 12 hours of electives
- 4 hours of West Virginia state-specific education
West Virginia Continuing Education Requirements:
State-licensed MLOs are required to complete 9 hours of NMLS-approved mortgage education annually beginning the year they are licensed (unless PE was completed in the same year). This includes:
- 3 hours of federal law
- 2 hours of ethics
- 2 hours of non-traditional mortgage lending
- 2 hours of West Virginia state-specific education
MLOs are advised that to comply with the SAFE Act’s “successive years” rule, they may not take the same CE course two years in a row.
West Virginia Mortgage Licensing:
- West Virginia Division of Financial Institutions
- Phone: 304-558-2294
- Email: lmiller@wvdob.org, tshock@wvdob.org , or ryoung@wvdob.org
- Website: www.dfi.wv.gov
NMLS Resources:
- To view the West Virginia MLO License Description Page
- Professional Standards: Mortgage Education
- Professional Standards: Criminal Background Check
- Professional Standards: Credit Report
- Professional Standards: MLO Testing