West Virginia Mortgage License Requirements
Application Requirements to become licensed in West Virginia:
| Description | Requirement |
|---|---|
| Temporary Authority to Operate Eligible | Yes |
| Application Fee | $0.00 |
| License Registration Fee | $200.00 |
| NMLS Processing Fee | $35.00 |
| Sponsorship Fee* | $0.00 |
| Credit Report Required | $15.00 |
| Criminal Background Check Required | $36.25 |
| Testing Required | Yes, passing score of 75% or higher |
| SAFE MLO Test Cost | $110.00 |
| Work Remote Allowed | No |
*Note: Sponsorship request from employer must be submitted through NMLS at the time of the license request.
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
The deadline to complete annual CE is November 1st.
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 Division of Financial Institutions Contact Info:
Phone: 304-558-2294
Website: www.dfi.wv.gov
