Loan Officer Jobs in Virginia
Loan Officer jobs in Virginia are in steady demand, with strong activity concentrated in mortgage lending, commercial banking, and consumer finance across a market that ranges from entry-level loan originators to senior credit officers. The heaviest hiring is in Northern Virginia, Richmond, and Virginia Beach, where established institutions such as Atlantic Union Bank, Navy Federal Credit Union, and Wells Fargo maintain significant regional operations. Mortgage loan origination and commercial real estate lending are the most sought-after specializations in the state. Find a role that fits below and apply directly.
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Position: Mortgage Loan Officer
- Solicit residential first lien mortgages through contacts with realtors, builders, developers, and other professionals.
- Establish and maintain a good working relationship with branches to help branch personnel keep mortgages top-of-mind when dealing with their clients and to ensure that they are comfortable in referring their clients to the mortgage personnel.
- Interview applicants to develop information concerning their needs, desires, and financial situation to assist in determining how best to meet the needs of those applicants
- Obtain and analyze from the applicants pertinent financial, economic, and credit data needed in order to make informed decisions.
- Negotiate loan terms and conditions with applicants.
- Keep informed about trends and developments in the local real estate market, as well as the dynamic rules and regulations pertaining to both private and government-insured mortgage loans.
- Call on potential or existing customers as assigned to develop new business or retain existing business.
JOB REQUIREMENTS:
Knowledge/Skills/Abilities Required:
- Thorough knowledge of all applicable laws, requirements, regulations, and rules relating to mortgage lending and real estate, including RESPA, SAFE Act, BSA, Reg B, Reg Z, HOEPA, and others.
- Ability to build and maintain a residential mortgage loan pipeline.
- Ability to act as the primary liaison with borrowers throughout the entire loan process, from initial inquiry/application to closing.
- Experience in originating mortgage loans and documenting loan files in a manner that facilitates final approval of the loans.
- Ability to work with limited supervision.
- Ability to sell and refer mortgages and other Bank products and services.
- The ability to organize and schedule daily appointments.
- Ability to effectively communicate, both orally and in writing.
- Ability to work under pressure, while maintaining good customer and staff relations.
- Ability to obtain and hold an NMLS Registration number.
Education/Experience Requirements:
- Associate’s degree in Finance or related field, or equivalent experience.
- Three or more years of mortgage lending experience preferred.
- One or more years in community banking preferred.
- Knowledge of Real Estate markets preferred.
Position: Mortgage Loan Officer
- Solicit residential first lien mortgages through contacts with realtors, builders, developers, and other professionals.
- Establish and maintain a good working relationship with branches to help branch personnel keep mortgages top-of-mind when dealing with their clients and to ensure that they are comfortable in referring their clients to the mortgage personnel.
- Interview applicants to develop information concerning their needs, desires, and financial situation to assist in determining how best to meet the needs of those applicants
- Obtain and analyze from the applicants pertinent financial, economic, and credit data needed in order to make informed decisions.
- Negotiate loan terms and conditions with applicants.
- Keep informed about trends and developments in the local real estate market, as well as the dynamic rules and regulations pertaining to both private and government-insured mortgage loans.
- Call on potential or existing customers as assigned to develop new business or retain existing business.
JOB REQUIREMENTS:
Knowledge/Skills/Abilities Required:
- Thorough knowledge of all applicable laws, requirements, regulations, and rules relating to mortgage lending and real estate, including RESPA, SAFE Act, BSA, Reg B, Reg Z, HOEPA, and others.
- Ability to build and maintain a residential mortgage loan pipeline.
- Ability to act as the primary liaison with borrowers throughout the entire loan process, from initial inquiry/application to closing.
- Experience in originating mortgage loans and documenting loan files in a manner that facilitates final approval of the loans.
- Ability to work with limited supervision.
- Ability to sell and refer mortgages and other Bank products and services.
- The ability to organize and schedule daily appointments.
- Ability to effectively communicate, both orally and in writing.
- Ability to work under pressure, while maintaining good customer and staff relations.
- Ability to obtain and hold an NMLS Registration number.
Education/Experience Requirements:
- Associate’s degree in Finance or related field, or equivalent experience.
- Three or more years of mortgage lending experience preferred.
- One or more years in community banking preferred.
- Knowledge of Real Estate markets preferred.
See All 43 Loan Officer Jobs in Virginia
Find roles in Virginia that match your experience and apply in just a few clicks.
Find Loan Officer JobsLoan Officer Jobs by City in Virginia
Where Virginia roles are concentrated, by current openings.
Loan Officer Job Market in Virginia
A snapshot from current Virginia openings, updated as new roles post.
Who's Hiring
- Coldwell Banker13
- Leadling6
- Paramount Residential Mortgage4
- Atlantic Union Bank3
- NVR2
Top Industries Hiring
- Fintech
- Banking & Financial Services
What Virginia Employers Look For
The qualifications that appear most often in loan officer jobs across Virginia.
- Active Virginia Mortgage Loan Originator license issued through NMLS required for residential lending roles
- Bachelor's degree in finance, business, economics, or a related field strongly preferred
- Proven experience evaluating loan applications and analyzing borrower financial documents
- Familiarity with federal lending regulations including RESPA, TILA, and the Equal Credit Opportunity Act
- Proficiency with loan origination software such as Encompass, Calyx Point, or similar platforms
- Strong sales ability and a demonstrated pipeline of referral relationships with realtors or businesses
Loan Officer Jobs in Virginia: Frequently Asked Questions
How do you become a loan officer in Virginia?
To work as a residential mortgage loan officer in Virginia, you must obtain a Mortgage Loan Originator license through the Nationwide Multistate Licensing System, administered in Virginia by the Bureau of Financial Institutions. That process requires completing pre-licensure education, passing the SAFE Mortgage Loan Originator Test, and clearing a background check. For commercial or consumer lending roles at banks, no state license is required, but a bachelor's degree in finance or business is the standard hiring baseline.
How much do loan officers make in Virginia?
Loan officers in Virginia earn a median of about $78,320 a year, based on May 2025 Bureau of Labor Statistics wage data, ranging from around $40,190 for the lowest 10% to over $157,070 for the top 10%. Pay rises with experience, specialty, and employer.
Which companies hire loan officers in Virginia?
Employers hiring loan officers in Virginia right now include Coldwell Banker, Leadling, and Paramount Residential Mortgage, based on current listings on Migrate Mate as of September 2026. Virginia's dense concentration of credit unions, regional banks, and mortgage companies tied to the active Northern Virginia and Richmond real estate markets keeps hiring consistent across the state.
Which Virginia cities have the most loan officer jobs?
Richmond, Virginia Beach, and Roanoke account for the largest share of loan officer openings in Virginia. Northern Virginia's proximity to Washington, D.C. drives volume through mortgage demand tied to one of the most competitive housing markets in the country, while Richmond anchors commercial and consumer lending activity as the state's financial and corporate headquarters hub, and Virginia Beach reflects strong demand from a large military-connected population with active home-buying needs.
Are there remote loan officer jobs in Virginia?
Yes, and more than many financial roles allow. About 82% of loan officer openings tied to Virginia are remote or hybrid as of September 2026, reflecting the shift toward digital mortgage platforms and phone-based origination. The parts of the role most suited to remote work are pipeline management, application intake, and borrower communication, while closings and in-person relationship building with realtors still favor local presence.
How can I get hired as a loan officer in Virginia with little or no experience?
The most realistic entry path is joining a large Virginia-based bank or credit union as a loan officer trainee or loan processor, roles that build file-handling and underwriting knowledge before you originate independently. Navy Federal Credit Union and Atlantic Union Bank both run structured development programs for candidates new to lending. Completing your NMLS pre-licensure coursework before applying signals commitment and removes a common barrier. Adjacent roles such as bank teller, mortgage processor, or financial services representative are common stepping stones that Virginia employers recognize.
Where can I find and apply to loan officer jobs in Virginia?
You can find and apply to loan officer jobs in Virginia on Migrate Mate, which lists current Virginia openings across mortgage companies, banks, and credit unions. Search the listings, find roles that match your license status, experience level, and preferred location, and apply directly to the ones that fit.
See All 43 Loan Officer Jobs in Virginia
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