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License Requirements PageUtah Mortgage Loan Officer License Requirements

As a result of the Secure and Fair Enforcement for Mortgage Licensing Act (SAFE Act) of 2008, mortgage loan originators are required to complete a set list of requirements of both education and application in order to obtain a license to operate in their state. Below is a list of the requirements set forth by the SAFE Act and the state of Utah for new loan officers applying for mortgage licenses:

Utah New Mortgage License Education Requirements

New state-licensed Mortgage Loan Originators are required to complete 35 hours of SAFE pre-licensure education that includes:


  • 3 hours of Federal law and regulations
  • 3 hours of ethics, fraud, consumer protection, and fair lending issues
  • 2 hours of non-traditional mortgage lending
  • 12 hours of undefined instruction (electives)
  • 15 hours of Utah state law education

New Mortgage License Education does not count towards annual CE credits. MLO's are also advised to not retake any 20 hour new license education course unless otherwise directed by a state regulator.


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Utah Continuing Education Requirements

Every state-licensed Mortgage Loan Originator is required to complete:


  • 8-hour Continuing Education course


Remember to take into account the "successive years" rule, which prohibits loan officers from taking the same CE course two years in a row. Mortgage Educators changes its continuing education course annually to ensure no issues with the "successive years" rule.




  Additional questions? 

Mortgage Educators and Compliance is here to answer any additional questions that you may have in regards to your Utah mortgage license. For additional questions, feel free to call us at (801) 676-2520 or email us at