Get Your West Virginia MLO License
West Virginia mortgage loan originators are required to be licensed. In order to apply for a license, our graduates will complete 24-hours of NMLS approved education. Our online WV and National MLO courses are fully approved to meet this requirement.
3 Easy Steps to obtain a Mortgage Loan Originator License in West Virginia
1
Complete our NMLS Approved 20-hr Course and our NMLS approved WV 4-hour MLO Course #18667 (included free)
All for just $189! ENROLL HERE and start the course anytime!
2
Pass your national mortgage exam:
Exam prep included free of charge (unlike other schools)
3
Apply for the MLO License:
We report your hours to the NMLS free of charge
24-Hour SAFE Comprehensive: West Virginia MLO Course
This is the course you must complete to obtain your West Virginia MLO license. Unlike other providers, we don’t have confusing packages. We include our exam prep course free, so you have everything in one package designed to get your WV MLO license!
- 20-Hour Approved Course #16623
- 2-Hour West Virginia Laws Course #18667 ($49 value)
- Bonus Exam Prep Course Included FREE ($149 value)
- NMLS Hours Reporting Included Free ($30 value)
- Online Prerecorded Instructor Led Videos
- E-textbook Included (Downloadable PDF)
- Unlimited Phone & Email Support
- Bonus Marketing Videos Included FREE ($236 value)
If you already have an MLO license in another state and want to get an West Virginia License too, you can enroll in our 4-hr WV MLO Course for $49 by calling student support at (888) 405-4453.
Why so inexpensive compared to other mortgage schools?
Since we only offer online courses, we can keep our costs low and our price affordable unlike most of our competitors. Therefore, we get to train more students than the other schools, which is a win for us. By keeping our costs lower, we help you get started in a great career as an MLO without having to take out a loan for your training, so everybody wins.
Best Training – Best Service – Best Value
Our 20-hour NMLS Approved National Course will fully prepare you to pass the license exam. Once you complete this course, you will have immediate FREE ACCESS to our 4-hour NMLS Approved WV Mortgage Laws Course and a full Exam Prep Course. All three courses for just $189. You will be able to apply for a license with the West Virginia Division of Financial Institutions through the NMLS Resource Center. Our staff is here to help you every step of the way.
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West Virginia 4-hour Mortgage Laws Course and Exam Prep Included Free
Our 4-hour West Virginia laws course is included with the purchase of our 20-hour course. We also include our exam prep material in one easy to access package. You will get everything you need to become a licensed mortgage loan originator in West Virginia. Once you finish your initial 20-hours, both the WV laws and Exam Prep courses will appear on your mortgage training account for free.
A message from our Mortgage Loan Originator Education Instructor Rich Leffler about the training program
Mortgage Loan Officer License Benfits in WV
Working as a mortgage loan originator with a West Virginia MLO License provides exceptional opportunities driven by the state’s status as one of the most affordable housing markets in the nation and its growing appeal to remote workers seeking a high quality of life. West Virginia’s unique mix of historic riverfront cities, vibrant university towns, and breathtaking mountain landscapes—from the scenic Potomac Highlands to the growing hubs of the Eastern Panhandle—creates a fertile environment and strong earning potential for mortgage professionals.
West Virginia MLOs benefit from a diversifying economy anchored by energy production (as the nation’s fifth-largest natural gas producer), advanced manufacturing, healthcare, and higher education. The market is seeing surging demand from relocating professionals—particularly in northern counties bordering Maryland and Virginia—who are drawn by home prices that remain significantly below the national average. The state’s combination of natural beauty, the eighth-lowest cost of living in the U.S., and billions in new industrial investments makes it an increasingly popular choice for first-time homebuyers and a dynamic market for lending experts.
Whether you want to become a mortgage broker in Charleston, Huntington, Morgantown, Wheeling, Parkersburg, Martinsburg, or South Charleston, our mortgage loan originator course provides the specialized education—including the state-required hours of West Virginia law—you need to secure your license and launch your career in the Mountain State.
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West Virginia Mortgage Loan Originator License FAQs
Which state agency regulates MLO licenses in West Virginia?
The West Virginia Division of Financial Institutions (WV-DFI), located in Charleston, is the agency responsible for the oversight and licensing of Mortgage Loan Originators in the state.
How many hours of pre-licensing education (PE) are required in West Virginia?
West Virginia requires a total of 24 hours of NMLS-approved pre-licensing education. This consists of the 20-hour SAFE comprehensive course plus 4 hours of West Virginia state-specific law and regulation.
What are the initial fees to obtain a West Virginia MLO license?
The state-specific costs include a $200.00 License Registration Fee and a $35.00 NMLS Processing Fee. There is no initial application fee, but you will also be responsible for the NMLS sponsorship fee of $35.00 at the time of your request.
Is employer sponsorship required for West Virginia MLOs?
Yes. You must be sponsored by a licensed entity to have an active license. Sponsorship requests should be submitted through the NMLS at the time of your license request. There is no state fee for sponsorship, though a $35.00 NMLS sponsorship fee applies.
Can I work from home as an MLO in West Virginia?
Yes, remote work is allowed. However, you must abide by specific safeguards, including maintaining data security and ensuring no in-person customer interactions occur at your residence. Sponsoring companies must certify that remote employees are in compliance with these conditions.
What are the financial responsibility requirements for a West Virginia license?
The WV-DFI reviews your credit report for items such as outstanding judgments, tax liens, or habitual delinquencies. Specifically, you must provide a written explanation for any bankruptcy within the last seven years or foreclosures/repossessions within the last three years.
What is "Temporary Authority" and who is eligible?
Temporary Authority allows eligible MLOs to operate while their application is pending. However, West Virginia warns that an immediate recommendation to deny will be issued if there are unresolved or undocumented issues regarding your criminal background or financial responsibility.
What documentation is required for the criminal background check?
In addition to the FBI background check, applicants must upload comprehensive documentation to the NMLS for any disclosures. This must include copies of court documents showing the final resolution of the charge and a detailed written explanation of the event.
Are there special requirements for international applicants?
Yes. Individuals who have resided outside the U.S. must submit a background report from a third-party vendor specializing in international searches. This report must be translated into English, denominated in U.S. dollars, and include both criminal and credit information.
What are the restrictions on remote business locations?
While you may work from home, your residence cannot be designated as a business location to customers. Furthermore, no consumer information or physical records may be maintained at the remote location to ensure privacy and data security.
How much does a mortgage loan originator make on average in the United States?
According to a study performed by GLASSDOOR on June 6th, 2024, the average salary for a mortgage loan originator is around $177,000 per year with the top MLO’s making over $240,000 per year.
What does mortgage license training involve?
Mortgage license training involves completing the 20-hour pre-licensure education course, passing a national exam, and meeting state-specific requirements. The training covers topics such as federal and state mortgage laws, ethics, loan origination, and consumer protection.
How long does mortgage license training typically take?
The duration of mortgage license training can vary, but most aspiring MLOs can complete the required pre-licensure education in 20-30 hours. This includes additional time for exam preparation. 24hourEDU includes a complete exam prep course for the SAFE MLO National Exam free of charge with our 20 Hour SAFE Comprehensive: Online (OIL) – Mortgage Loan Originator Course.
- 3 hours of ethics
- 2 hours of non-traditional mortgage lending
- 12 hours of electives – Our online MLO course dedicates all of these hours to preparing you for the SAFE MLO test for mortgage loan originator licensing.
What are the educational requirements for mortgage license training?
The SAFE Act requires a minimum of 20 hours of pre-licensure education, which includes 3 hours of federal law, 3 hours of ethics, 2 hours of non-traditional mortgage lending, plus 12 hours of general mortgage origination electives. Other states may require additional hours.
How much does 24hourEDU’s mortgage license training cost?
The 24hourEDU 20-hour course costs just $189! The cost of mortgage pre-licensure education with other courses can range from $300 to $800 plus they have additional costs for exam prep courses and NMLS hour reporting fees. 24hourEDU does not nickel and dime you on this. We include exam prep and the NMLS hour reporting fees in our tuition. Some students also ask: Why is 24hourEDU so cheap? By keeping our tuition affordable, we get to train more MLO students than any other school, so that is a win for us. By having the best price, we also help students get their mortgage license without spending an arm and a leg on the training. Everybody wins.
Can I complete mortgage license training online?
Yes, the 24hourEDU NMLS-approved course offers online mortgage license training. This allows for flexible scheduling and online learning, making it convenient for those who are working or have other commitments. Per NMLS regulations, the 20-hour course must be completed in 14 days or less from the start date. All of the training and testing to pass your 20 Hour SAFE Comprehensive: Online (OIL) – Mortgage Loan Originator Course will be done online in our learning management system.
Is there an exam I need to pass after completing mortgage license training?
Yes, after completing the pre-licensure education, you must pass the SAFE Mortgage Loan Originator Test. Our training includes guidance to study for the national component and, for many states, a state-specific component. The exam tests your knowledge of mortgage lending practices and relevant laws.
What topics are covered in mortgage license training courses?
Mortgage license training courses typically cover federal and state mortgage laws, ethics, loan origination processes, financial calculations, credit analysis, types of mortgage products, and fair lending practices. 24hourEDU has specifically designed our course to prepare you for the SAFE MLO National Exam.
How often do I need to renew my mortgage loan originator license?
MLO licenses must be renewed annually. The renewal process involves completing state continuing education requirements and paying a renewal fee. The NMLS Annual Renewal Period begins Nov. 1 each year. The renewal deadline each year is December 31st.
What is the NMLS, and how does it relate to mortgage license training?
The Nationwide Multistate Licensing System & Registry (NMLS) is the system of record for MLO licensing and registration. It manages the pre-licensure education, testing, and continuing education requirements for MLOs across the United States. You will learn all about the NMLS while completing our 20 Hour SAFE Comprehensive: Online (OIL) – Mortgage Loan Originator Course.
Can I work as an MLO while completing my mortgage license training?
You cannot work as an MLO while completing your training. You must first complete the pre-licensure education, pass the SAFE MLO test, and obtain your license before you can legally originate mortgage loans.
Are there different mortgage license training requirements for each state?
While the SAFE Act establishes minimum national standards that cover this state, other states have additional requirements for MLO licensing. These may include a few more hours of state-specific pre-licensure education, or a different process for background check requirements.
What career opportunities are available after completing mortgage license training?
After completing mortgage license training and obtaining your license, you can work as an MLO in various settings, including banks, credit unions, mortgage companies, or as an independent broker. With experience, you might advance to roles such as team leader, branch manager, or even open your own mortgage brokerage.
Is 24hourEDU legit? Can I get my mortgage license hours by taking an online course?
Yes, the 20 Hour SAFE Comprehensive: Online (OIL) – Mortgage Loan Originator Course by 24hourEDU is 100% approved by the NMLS so you can get the core hours required to apply for a mortgage loan origination license. 24hourEDU is an approved NMLS Course Provider listed in the NMLS list of approved online mortgage education providers under ID: 1405107.
