Mortgage Loan Originator / Virginia
2026 data Virginia board official source

Virginia Mortgage Loan Originator License Requirements

Compiled from official public sources by the publisher.

What the state board actually requires: fees, renewal cycle, and requirements from official records.

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Helps borrowers obtain home loans. Requires SAFE MLO Test.

What the Virginia data shows for Mortgage Loan Originators

Virginia's path to mortgage loan originator licensure runs through 20 hours of approved instruction and a passing score on SAFE Mortgage Loan Originator Test, plus a criminal history screening before applicants younger than 18 can be licensed. Virginia folds the credential into its broader occupational licensing statute, which classifies the training track as "NMLS Pre-License Education (20 hours federal requirement)".

Upfront cost is $322, with renewal running $221 on a 1-year cycle. The license also carries an ongoing 8-hour continuing-education requirement per 1-year cycle that adds to the true cost of staying licensed.

Reciprocity for this profession works like this: SAFE Act: federal license recognized across states via NMLS.

Licensing Ease Score

D
Licensing Ease Score
49/100
Mortgage Loan Originator · Virginia

A higher score means this specific license is LESS burdensome to obtain and maintain here than the national requirement corpus, based on education hours, fees, continuing education, and experience requirements, not an overall judgment of the profession or the state.

Education & Training B
20 hours
Documented education/training hours required
Initial Fee F
$322
One-time application/license fee
Renewal Burden F
$221/yr
$221 every 1 year
Continuing Education C+
8.0 hrs/yr
8 hours every 1 year
Experience Required A+
None required
Supervised work experience required before licensure

Licensing Requirements in Virginia

Education / Training Hours
NMLS Pre-License Education (20 hours federal requirement)
20 hours
Exam Requirement
SAFE Mortgage Loan Originator Test
Required
Initial License Fee
$322
Renewal Fee
$221
Renewal Cycle
Every 1 year
Continuing Education
8 hrs/cycle
Criminal History Check
Required
Minimum Age
18 years

Compare & Explore

Compare all states for Mortgage Loan Originator All Virginia licenses
Data sources: NCSL Occupational Licensing Database, Institute for Justice, state licensing boards. Verify current requirements with Virginia licensing authorities before making career decisions.

Frequently Asked Questions

What license do I need for Mortgage Loan Originator in Virginia? ▼
In Virginia, the license path calls for 20 education/training hours, a passing score on SAFE Mortgage Loan Originator Test, and a $322 initial fee. A criminal background check is required as well.
How do I get certified as a Mortgage Loan Originator in Virginia? ▼
Virginia licenses mortgage loan originators who complete its requirements (20 education hours) and a passing exam. Verify the latest details with the Virginia licensing board.
Can I transfer my Mortgage Loan Originator license to Virginia from another state? ▼
For mortgage loan originators, the reciprocity landscape looks like this: SAFE Act: federal license recognized across states via NMLS. Many professions are also covered by interstate licensing compacts that facilitate portability between states. Contact the Virginia licensing board to confirm how it applies to your specific credential.
Does Virginia require a background check for Mortgage Loan Originator licensing? ▼
Background screening is part of the mortgage loan originator licensing process in Virginia. The state licensing board determines which offenses disqualify an applicant and how appeals are handled.
What are the continuing education requirements for Mortgage Loan Originator in Virginia? ▼
Licensed mortgage loan originators in Virginia must complete 8 hours of continuing education every 1 year. The renewal fee is $221.

Related Guides

What to do with this mortgage loan originator license

Mortgage Loan Originator in Virginia, with a documented reciprocity path, is one requirement row in a mortgage loan originator-wide, 50-state comparison.

  • See how Virginia's mortgage loan originator requirements compare to every other state before relocating. Mortgage Loan Originator in every state
  • Confirm whether your out-of-state mortgage loan originator license transfers under an interstate compact before starting a new application. Reciprocity guide
  • See how Virginia's overall licensing burden compares to other states, not just this one profession. Virginia overview

Requirements shown are compiled from NCSL and Institute for Justice research; verify current rules with the Virginia licensing board before making career decisions.

Source: NCSL Occupational Licensing Database, Institute for Justice License to Work (3rd Ed.), state licensing board websites

According to the National Conference of State Legislatures and the Institute for Justice, the PlainCredential comparison corpus (current as of May 15, 2026) maps 4,947 state licensing requirement records; see the methodology.

Read our methodology - how this data is sourced, computed, and verified.