A license must be maintained annually to engage in mortgage loan origination, subject to statutory exemptions including registered mortgage loan originators.
20 hours
An individual must not be considered to have passed a qualified written test
Except as otherwise provided by the Commission, licenses must expire at the end of each calendar year.
8 hours
Last verified Oct 25, 2026
Virginia State Corporation Commission, Bureau of Financial Institutions
"Bureau" means the Bureau of Financial Institutions, a division of the Commission. "Commission" means the State Corporation Commission.Official source
Agency 5. State Corporation Commission » Chapter 161. Mortgage Loan OriginatorsOfficial source
20 hours
an applicant shall complete at least 20 hours of pre-licensing education courses, approved in accordance with subsection B, which shall include at least (i) three hours of federal law and regulations; (ii) three hours of ethics, which shall include instruction about fraud, consumer protection, and fair lending issues; and (iii) two hours of training related to lending standards for the nontraditional mortgage product marketplace.Official source
An individual must not be considered to have passed a qualified written test
An individual shall not be considered to have passed a qualified written testOfficial source
License applications shall be submitted through the registry in accordance with instructions from the registry and the bureau.Official source
NMLS-approved SAFE Act education and testing completed for another state are credited, except any separate Virginia-specific testing requirement.
An applicant who has successfully completed pre-licensing education and testing that is mandated by the Act and approved by the Registry for any state shall be deemed to have completed Virginia's pre-licensing education and testing requirements, other than any limited or separate state testing requirements relating to Virginia law and regulation as described in subsection B.Official source
Review the official instructions for your situation before applying.
Open the official agency pageA license must be maintained annually to engage in mortgage loan origination, subject to statutory exemptions including registered mortgage loan originators.
Except as otherwise provided in § 6.2-1701.3 , no individual shall engage in the business of a mortgage loan originator unless such individual has first obtained and maintains annually a license under this chapter.Official source
Renew through NMLS and satisfy the continuing education and annual fee requirements.
A licensee may request renewal by (i) filing a license renewal application through the Registry, (ii) paying the annual license renewal fee prescribed in § 6.2-1714 , (iii) obtaining the continuing education prescribed in § 6.2-1710 , and (iv) furnishing such other information as may be required by the Commission;Official source
Registry fees are additional to the $150 license application fee and the $100 renewal fee.
shall pay or cause to be paid through the registry required registry fees and a license application fee of $150. … pay or cause to be paid through the registry all required registry fees and a license renewal fee of $100Official source
Except as otherwise provided by the Commission, licenses must expire at the end of each calendar year.
Except as otherwise provided by the Commission, licenses shall expire at the end of each calendar year.Official source
8 hours
A. A licensed mortgage loan originator shall complete annually at least eight hours of continuing education courses approved in accordance with subsection B, which shall include at least: (i) three hours related to federal law and regulations; (ii) two hours related to ethics, which shall include instruction about fraud, consumer protection, and fair lending issues; and (iii) two hours related to lending standards for the nontraditional mortgage product marketplace.Official source
At least 3 hours federal law, 2 hours ethics (including fraud, consumer protection and fair lending), and 2 hours nontraditional mortgage lending.
A. A licensed mortgage loan originator shall complete annually at least eight hours of continuing education courses approved in accordance with subsection B, which shall include at least: (i) three hours related to federal law and regulations; (ii) two hours related to ethics, which shall include instruction about fraud, consumer protection, and fair lending issues; and (iii) two hours related to lending standards for the nontraditional mortgage product marketplace.Official source
Have a license or permit? Use the expiration date printed on it to set up your calendar and reminders.
$150
shall pay or cause to be paid through the registry required registry fees and a license application fee of $150.Official source
$100
pay or cause to be paid through the registry all required registry fees and a license renewal fee of $100Official source
An individual or employer surety bond is required; the minimum is $25,000, with a greater amount possible based on origination volume.
A. The application for a license shall be accompanied by a bond to be filed with the Commission with corporate surety authorized to execute such bond in the Commonwealth, the form of which shall be approved by the Commission. 1. If the applicant is not an employee or exclusive agent of a person licensed or exempt from licensing under Chapter 16 (§ 6.2-1600 et seq.), the bond shall be an individual surety bond for the applicant; or 2. If the applicant is an employee or exclusive agent of a person licensed or exempt from licensing under Chapter 16 (§ 6.2-1600 et seq.), the bond shall be a surety bond filed by such person covering all such employees and exclusive agents holding or applying for a license as a mortgage loan originator. B. The amount of the bond shall be $25,000, or such greater sum as the Commission may require based on the total dollar amount of residential mortgage loans originated in the preceding calendar year by (i) the applicant, in the case of the bond referred to in subdivision A 1 or (ii) the person licensed or exempt from licensing under Chapter 16 (§ 6.2-1600 et seq.), in the case of the bond referred to in subdivision A 2.Official source
Confirm the charges and conditions for your application with the official agency.
Except as otherwise provided by the Commission, licenses must expire at the end of each calendar year.
Except as otherwise provided by the Commission, licenses shall expire at the end of each calendar year.Official source
Last verified Oct 25, 2026
Last verified Oct 25, 2026. Each quotation supports the corresponding published value.
Virginia State Corporation Commission, Bureau of Financial Institutions
Virginia State Corporation Commission, Bureau of Financial Institutions
"Bureau" means the Bureau of Financial Institutions, a division of the Commission. "Commission" means the State Corporation Commission.Official source
Last verified Oct 25, 2026
https://law.lis.virginia.gov/admincodeexpand/title10/agency5/chapter161/
Agency 5. State Corporation Commission » Chapter 161. Mortgage Loan OriginatorsOfficial source
Last verified Oct 25, 2026
20 hours
20
an applicant shall complete at least 20 hours of pre-licensing education courses, approved in accordance with subsection B, which shall include at least (i) three hours of federal law and regulations; (ii) three hours of ethics, which shall include instruction about fraud, consumer protection, and fair lending issues; and (iii) two hours of training related to lending standards for the nontraditional mortgage product marketplace.Official source
Last verified Oct 25, 2026
An individual must not be considered to have passed a qualified written test
Pass a qualified written test developed by NMLS; a passing score is at least 75 percent.
An individual shall not be considered to have passed a qualified written testOfficial source
Last verified Oct 25, 2026
An individual or employer surety bond is required; the minimum is $25,000, with a greater amount possible based on origination volume.
An individual or employer surety bond is required; the minimum is $25,000, with a greater amount possible based on origination volume.
A. The application for a license shall be accompanied by a bond to be filed with the Commission with corporate surety authorized to execute such bond in the Commonwealth, the form of which shall be approved by the Commission. 1. If the applicant is not an employee or exclusive agent of a person licensed or exempt from licensing under Chapter 16 (§ 6.2-1600 et seq.), the bond shall be an individual surety bond for the applicant; or 2. If the applicant is an employee or exclusive agent of a person licensed or exempt from licensing under Chapter 16 (§ 6.2-1600 et seq.), the bond shall be a surety bond filed by such person covering all such employees and exclusive agents holding or applying for a license as a mortgage loan originator. B. The amount of the bond shall be $25,000, or such greater sum as the Commission may require based on the total dollar amount of residential mortgage loans originated in the preceding calendar year by (i) the applicant, in the case of the bond referred to in subdivision A 1 or (ii) the person licensed or exempt from licensing under Chapter 16 (§ 6.2-1600 et seq.), in the case of the bond referred to in subdivision A 2.Official source
Last verified Oct 25, 2026
8 hours
8
A. A licensed mortgage loan originator shall complete annually at least eight hours of continuing education courses approved in accordance with subsection B, which shall include at least: (i) three hours related to federal law and regulations; (ii) two hours related to ethics, which shall include instruction about fraud, consumer protection, and fair lending issues; and (iii) two hours related to lending standards for the nontraditional mortgage product marketplace.Official source
Last verified Oct 25, 2026
At least 3 hours federal law, 2 hours ethics (including fraud, consumer protection and fair lending), and 2 hours nontraditional mortgage lending.
At least 3 hours federal law, 2 hours ethics (including fraud, consumer protection and fair lending), and 2 hours nontraditional mortgage lending.
A. A licensed mortgage loan originator shall complete annually at least eight hours of continuing education courses approved in accordance with subsection B, which shall include at least: (i) three hours related to federal law and regulations; (ii) two hours related to ethics, which shall include instruction about fraud, consumer protection, and fair lending issues; and (iii) two hours related to lending standards for the nontraditional mortgage product marketplace.Official source
Last verified Oct 25, 2026
Except as otherwise provided by the Commission, licenses must expire at the end of each calendar year.
Except as otherwise provided by the Commission, licenses shall expire at the end of each calendar year. Applies to: Virginia mortgage loan originators, except as otherwise provided by the Commission
Except as otherwise provided by the Commission, licenses shall expire at the end of each calendar year.Official source
Last verified Oct 25, 2026
NMLS-approved SAFE Act education and testing completed for another state are credited, except any separate Virginia-specific testing requirement.
NMLS-approved SAFE Act education and testing completed for another state are credited, except any separate Virginia-specific testing requirement.
An applicant who has successfully completed pre-licensing education and testing that is mandated by the Act and approved by the Registry for any state shall be deemed to have completed Virginia's pre-licensing education and testing requirements, other than any limited or separate state testing requirements relating to Virginia law and regulation as described in subsection B.Official source
Last verified Oct 25, 2026
A license must be maintained annually to engage in mortgage loan origination, subject to statutory exemptions including registered mortgage loan originators.
A license must be maintained annually to engage in mortgage loan origination, subject to statutory exemptions including registered mortgage loan originators.
Except as otherwise provided in § 6.2-1701.3 , no individual shall engage in the business of a mortgage loan originator unless such individual has first obtained and maintains annually a license under this chapter.Official source
Last verified Oct 25, 2026
Renew through NMLS and satisfy the continuing education and annual fee requirements.
Renew through NMLS and satisfy the continuing education and annual fee requirements.
A licensee may request renewal by (i) filing a license renewal application through the Registry, (ii) paying the annual license renewal fee prescribed in § 6.2-1714 , (iii) obtaining the continuing education prescribed in § 6.2-1710 , and (iv) furnishing such other information as may be required by the Commission;Official source
Last verified Oct 25, 2026
Registry fees are additional to the $150 license application fee and the $100 renewal fee.
Registry fees are additional to the $150 license application fee and the $100 renewal fee.
shall pay or cause to be paid through the registry required registry fees and a license application fee of $150. … pay or cause to be paid through the registry all required registry fees and a license renewal fee of $100Official source
Last verified Oct 25, 2026
https://law.lis.virginia.gov/admincodeexpand/title10/agency5/chapter161/
License applications shall be submitted through the registry in accordance with instructions from the registry and the bureau.Official source
Last verified Oct 25, 2026
$150
150
shall pay or cause to be paid through the registry required registry fees and a license application fee of $150.Official source
Last verified Oct 25, 2026
$100
100
pay or cause to be paid through the registry all required registry fees and a license renewal fee of $100Official source
Last verified Oct 25, 2026
Not yet verified: license fee — see the official agency.
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Last verified Oct 25, 2026.
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