How to Get a Mortgage loan originator License in West Virginia (2026)

West Virginia Division of Financial Institutions

West Virginia Division of Financial Institutions

West Virginia Division of Financial Institutions

Last verified Oct 25, 2026

Open the official agency page

https://dfi.wv.gov/mortgage-licensing-and-regulation

West Virginia Division of Financial Institutions

Last verified Oct 25, 2026

Open the official agency page

https://dfi.wv.gov/mortgage-licensing-and-regulation

Information and Application information may be obtained from the Nationwide Mortgage Licensing System

Last verified Oct 25, 2026

24 hours

24

To meet the prelicensing education requirement, a person must complete at least 24 hours of education approved in accordance with subsection (b) of this section

Last verified Oct 25, 2026

Prelicensing coursework includes 4 hours of West Virginia mortgage and consumer laws or issues.

Prelicensing coursework includes 4 hours of West Virginia mortgage and consumer laws or issues.

Four hours of training related to West Virginia mortgage and consumer laws or issues.

Last verified Oct 25, 2026

Pass a qualified written test developed by NMLS and administered by an approved test provider.

Pass a qualified written test developed by NMLS and administered by an approved test provider.

To meet the written test requirement, an individual must pass, in accordance with the standards established under this subsection, a qualified written test developed by the Nationwide Mortgage Licensing System and Registry and administered by a test provider approved by the Nationwide Mortgage Licensing System and Registry based upon reasonable standards.

Last verified Oct 25, 2026

$200

200

The application must be submitted with an application fee of $200 plus the actual cost of fingerprint processing, together with any processing fee assessed by the Nationwide Mortgage Licensing System and Registry.

Last verified Oct 25, 2026

9 hours

9

To meet the annual continuing education requirements, a licensed mortgage loan originator must complete at least nine hours of education approved in accordance with subsection (b) of this section

Last verified Oct 25, 2026

At least 3 hours federal law, 2 hours ethics, 2 hours nontraditional mortgage lending and 2 hours West Virginia law or regulations.

At least 3 hours federal law, 2 hours ethics, 2 hours nontraditional mortgage lending and 2 hours West Virginia law or regulations.

(1) Three hours of federal law and regulations; (2) Two hours of ethics, which shall include instruction on fraud, consumer protection and fair lending issues; … (3) Two hours of training related to lending standards for the nontraditional mortgage product marketplace; … (4) Two hours of West Virginia law or regulations.

Last verified Oct 25, 2026

Approved education in the federal-law, ethics and nontraditional-lending components completed for another state counts toward West Virginia education; the state-specific requirement remains.

Approved education in the federal-law, ethics and nontraditional-lending components completed for another state counts toward West Virginia education; the state-specific requirement remains.

The prelicensing education requirements approved by the Nationwide Mortgage Licensing System and Registry or the Division in subdivisions (1), (2) and (3) subsection (a) … for any state shall be accepted as credit towards completion of prelicensing education requirements in West Virginia.

Last verified Oct 25, 2026

Unless exempt, a person originating mortgage loans for a dwelling in West Virginia must obtain and maintain an annual license and NMLS unique identifier.

Unless exempt, a person originating mortgage loans for a dwelling in West Virginia must obtain and maintain an annual license and NMLS unique identifier.

An individual, unless specifically exempted under subsection (c) of this section, shall not engage in the business of a mortgage loan originator with respect to any dwelling located in this state without first obtaining and maintaining annually a license under this article. Each licensed mortgage loan originator must register with and maintain a valid unique identifier issued by the Nationwide Mortgage Licensing System and Registry.

Last verified Oct 25, 2026

Fingerprint and NMLS processing charges are additional to the $200 application fee.

Fingerprint and NMLS processing charges are additional to the $200 application fee.

The application must be submitted with an application fee of $200 plus the actual cost of fingerprint processing, together with any processing fee assessed by the Nationwide Mortgage Licensing System and Registry.

Last verified Oct 25, 2026