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Become an MLO in Utah!

Get Your Utah Mortgage Loan Originator License in 2024!

Utah Pre-Licensing Courses

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Starting at: $779 Now Only $399.98!

Use Coupon Code: ANJ399

Licensed in another state and want to add Utah?

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Utah Post-Licensure

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Starting at: $250 Now Only $69.98!

Post-Licensure Course for Newly Licensed Utah Loan Originators

Become a Utah DRE Principal Lending Manager!

Click here to purchase our 40 Hour Utah PLM Course!


How to Get an NMLS Mortgage License in Utah

In order to become a licensed Mortgage Loan Originator in Utah, you will have to complete three steps which are outlined below. Additionally, you should consider the costs, education requirements, and other factors discussed in this guide that go into becoming a loan officer in the state of Utah.


Step 1


Step 2


Step 3


Apply For Your NMLS Account and ID Number


Complete Your NMLS Pre-License Education


Need to Pass the SAFE MLO National Test


The first step to obtaining your Utah mortgage license is applying for an NMLS account and ID number. To do so, go to the NMLS website.


Once you’ve created your NMLS account, it’s time to complete your pre-license education. Utah requires 35 hours (20 hours & 15 hours elective) SAFE pre-licensure education.


With your education complete, you need to schedule an appointment for the National Test Component exam. Find out more on how to take your NMLS test here. Also check out the NMLS MLO testing handbook.


Step 4


Step 5


Step 6


Complete Background Checks and Pay All Fees


Apply for Your Utah Mortgage License


Associate Your NMLS Account with Your Employer


To finalize your application and receive your license, you will need to pay several non-refundable fees and get a background check. Find out more about how to complete your background check here.


After receiving a passing score on your NMLS mortgage exam, you need to apply for your Utah NMLS license. You can find more information on this step for (DFI) here and (DRE) here.



Your license will still be pending in Utah until you have an employer sponsorship, which lets the government know that an employer is supervising your individual license. Learn how to associate your NMLS account with your employer here.


Utah Frequently Asked Questions

Every state has a unique set of Nationwide Multistate Licensing (NMLS) requirements concerning mortgage education. New mortgage loan originitators are required to complete a 20-hour NMLS course, which is standard across the country. Additionally, the state of Utah requires a state specific 15-hour course on laws, rules, and regulations. Obtaining a Utah mortgage loan originator License requires 35 total hours of pre-license education.


Topic Hours Required
Fair Lending, Ethics, Fraud, and Consumer Protection 3 Hours
Federal Laws and Regulations 3 Hours
Non-Standard Lending 2 Hours
Undefined Electives 12 Hours
Utah Specific Law 15 Hours
Total 35 Hours

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

Although it hasn't been enacted, be on the look out for the PE expiration policy coming soon. It states - If you complete the required 20 hours of education but do not obtain your license for a 3-year period, you'll need to repeat the coursework to keep an active license status. The same applies if you let your license lapse for 3+ years before you want to get back into the industry.

Mortgage broker licenses are commonly confused with the more common loan officer license. While the terms mortgage broker, loan officer, and mortgage loan originator are similar, they aren’t synonymous. So what’s the difference?
Generally speaking, a mortgage broker is a mortgage company that employs mortgage loan officers. The loan officers are employed by the broker to originate mortgage loans for home-buyers when they are looking for a loan for a mortgage loan.

Learning how to become a mortgage loan officer in Utah takes time and money. There are several steps you must take in registering and applying. The SAFE act has established licensing and registration standards for every Mortgage Loan Originator. If you’re looking to get your Utah MLO certification, you will have to do the following and pay all associated fees:

NMLS Initial Processing Fee $30
UT-DRE Application Fee $118
Credit Report $15
FBI Criminal Background Check $36.25
Total Application Fees $199.25

On an annual basis, the Utah Division of Real Estate requires that Utah MLO's must take 8 (9 if DRE) total hours of Comprehensive Continuing Education that must cover:

Utah DRE Deadline 12/15
Federal Regulations and Law 3 Hours
Ethics, including consumer protection, fair lending 2 Hours
Non-Traditional mortgage lending 2 Hours
Elective 1 Hour
Utah Elective 1 Hours


Utah DFI Deadline 12/31
Federal Regulations and Law 3 Hours
Ethics, including consumer protection, fair lending 2 Hours
Non-Traditional mortgage lending 2 Hours
Elective 1 Hour

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.

You can also apply to become a principal lending manager (PLM). In order to meet the minimum qualifications for becoming a Principal Lending Manager in Utah, you have to meet additional professional and educational requirements to apply. These include mortgage lending experience, passing a Utah PLM-specific test, and completing a 40-hour PLM course in addition to all the individual MLO requirements. You will need to complete the MU4 Form in NMLS with the PLM designation selective on the application process and the company you are affiliated with will need to sponsor you for an approved and active license. If becoming a PLM sparks your interest, check out our NEW 40 Hour Utah DRE Principal Lending Manager Self - Study Course through the link below!
2023 Utah DRE Principal Lending Manager 40 Hour Self-Study Course

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

Get Your Mortgage License in Utah

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

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