How to Get a Mortgage Loan Officer License in Norfolk, Virginia
Last updated: March 2, 2026
Quick Facts — Norfolk
Median Salary (National)
$69,990/yr
Education Required
20 hrs
Total Cost
$1,400
City Population
238,005
Mortgage Loan Officer licensing in Norfolk follows Virginia's statewide requirements — the Virginia Bureau of Financial Institutions issues all mortgage loan officer licenses regardless of which city you're in. You'll need to complete 20 hours of pre-license education , pass the NMLS SAFE MLO Test, and submit your application. The total cost ranges from $900 to $1,900. For the complete step-by-step process, see our Virginia mortgage loan officer license guide.
Virginia Mortgage Loan Officer Requirements
| Requirement | Details |
|---|---|
| Minimum Age | 18 years old |
| Pre-License Education | 20 hours |
| Degree Required | No |
| Exam Required | Yes — NMLS SAFE MLO Test |
| Passing Score | 70% |
| Background Check | Yes |
| Broker Sponsorship | Not required |
| Application Fee | $325 |
| Exam Fee | $110 |
| Governing Body | Virginia Bureau of Financial Institutions |
| License Reciprocity | Partial |
These requirements apply statewide in Virginia, including Norfolk and Norfolk City. See the full Virginia guide for step-by-step instructions →
Working as a Mortgage Loan Officer in Norfolk
Norfolk (238,005 population) is a major city in Virginia, located in Norfolk City. Mortgage Loan Officers in the Norfolk area serve a sizable local population, creating strong demand for licensed professionals.
The national median salary for mortgage loan officers is $69,990 per year. Actual earnings in Norfolk may vary based on local cost of living, experience level, employer, and specialization.
Once licensed by the Virginia Bureau of Financial Institutions, your is valid throughout Virginia — you can work in Norfolk, Norfolk City, or any other location in the state without additional local licensing . Your license must be renewed every 1 year with 8 hours of continuing education at a cost of $325.
How Much Does It Cost?
Education/Training
$1,285
Exam Fee
$110
Application Fee
$325
Total Estimate
$900 – $1,900
Costs are the same across Virginia — Norfolk residents pay the same state fees. Living expenses and school tuition may vary by location.
Frequently Asked Questions
How long does it take to get a mortgage loan officer license in Virginia?
Most people complete the process in 2-4 weeks total. The pre-license education (20 hours) takes the longest. After completing education, the exam and application process typically adds 2-6 weeks.
How much does it cost to get a mortgage loan officer license in Virginia?
The total cost ranges from $900 to $1,900, including pre-license education, the application fee ($325), and the exam fee ($110).
Can I get a Virginia mortgage loan officer license with a criminal record?
The Virginia Bureau of Financial Institutions evaluates criminal history on a case-by-case basis. Having a criminal record does not automatically disqualify you, but certain offenses may affect your eligibility. Contact the Virginia Bureau of Financial Institutions for guidance before applying.
Do I need a college degree to become a mortgage loan officer in Virginia?
No. Virginia does not require a college degree. You only need to complete the 20 hours of approved pre-license courses.
Can I take the pre-license courses online in Virginia?
Many approved education providers offer pre-license courses online, allowing you to study at your own pace. Check the Virginia Bureau of Financial Institutions website for a list of approved providers.
Complete Virginia Mortgage Loan Officer License Guide
For detailed step-by-step instructions, exam prep tips, renewal information, and key considerations, see our comprehensive Virginia guide.
Read Full Virginia Guide →