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Utah Mortgage License Renewal School | Mortgage Educators

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utah mortgage license

How to Get Your (MLO) Mortgage License in Utah

1. Apply for your NMLS account and ID number if you haven't already.  

2. Complete your NMLS Pre-Licensure Education (must complete a 35-hour SAFE pre-licensure education course).

3. Pass the NMLS Utah Mortgage licensing exam.

4. Apply for your Utah Mortgage Broker license.

5. Complete background checks and pay all fees (all fees are displayed below).

6. Once completed, associate your NMLS account with your employer.


35 Hr. Pre-Licensing Course Bundle For New Loan Originators

This bundle is now available at a discounted rate!

Now For Only $779 $379

Use Coupon Discount Code: ANJ379

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Utah Mortgage License Pre-Licensing Course For Existing Loan Originators

Already licensed in another state? Get licensed in Utah today!

Now For Only $250 $149

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5 Hr. POST LICENSE Course For Newly Licensed Utah Loan Originators

This course is now available at a discounted rate!

Now For Only $99 $69 




Utah Mortgage License Requirements

Every state has a unique set of NMLS license requirements concerning mortgage education. New mortgage loan originators are required to complete a 20-hour NMLS course, which is standard for every state. Additionally, Utah mortgage licensing requirements dictate that each new mortgage loan originator must complete a state-specific, 15-hour course on laws and rules. Therefore, obtaining an MLO license in Utah requires a total of 35 hours of combined mortgage education.


Pre-Licensing Requirements Taking the NMLS Exam

There are three ways to complete the pre-licensing mortgage education requirements, otherwise known as "pre-license" education. Mortgage training requirements may be fulfilled in a live classroom setting at a Utah mortgage license school, in an online instructor-led (OIL) format, or in a live webinar.


Taking the NMLS Exam 

After completing the pre-licensing course bundle, you will be ready to take the NMLS license national exam. Prepare for the national exam with our NMLS test prep bundles to maximize your chances of passing the national exam on your first try. 


Utah New Mortgage License Education Requirements 

New state-licensed mortgage loan originators in Utah 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. 


Cost of Getting Your Mortgage License in Utah Utah

Here is a complete list of the costs involved with getting your MLO license in Utah: 


  • $200 license fee
  • $30 NMLS processing fee
  • $15 credit report fee
  • $36.25 background check
  • $110 exam fee
  • Total: $391.25


Utah Continuing Education Requirements 

Anyone seeking to renew a mortgage license in Utah is required to complete an 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.

Click Here For Detailed Utah Mortgage Education Requirements


The Difference Between A Loan Officer License And Mortgage Broker License in Utah

The terms loan officer, loan originator, and mortgage broker are commonly confused. While similar, they are different and can require different licensing. Simply put, mortgage loan originators work at a mortgage broker. Loan officers provide home buyers with new mortgage loans. Therefore, many people searching for a mortgage broker license in Utah actually require a loan officer license. To get your Utah loan officer license, select the appropriate mortgage education course bundle shown above. 


Get Your Mortgage License in Utah

If you're new to the state or seeking a Utah mortgage license or renewal, Mortgage Educators is ready to help. Learn why we're the most convenient and flexible option by enrolling today in our Utah 35-hour mortgage license bundle course or our Utah 15-Hour pre-licensure course.


Additional Questions?

We look forward to helping you with any other questions or concerns you may have. Feel free to call us at (801) 676-2520 or email us at


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