Utah - DRE Mortgage License Requirements
Learn about the Utah (DRE) mortgage education requirements for mortgage licensing.
In the state of Utah (DRE), mortgage loan originators are required to:
- Complete a Criminal Background Check (CBC).
- Authorize a credit report through the NMLS.
- Fulfill all state and federal education requirements as designated by your state agency.
- Take and pass the National Components.
Utah (DRE) NMLS Pre-Licensing Education Requirements:
New state-licensed MLOs are required to complete 20 hours of NMLS-approved education. This includes:
- 3 hours of federal law
- 3 hours of ethics
- 2 hours of non-traditional mortgage lending training
- 12 hours of electives
- 15 hours of UT-DRE approved instruction, which is not reported into NMLS
Utah (DRE) Continuing Education Requirements:
State-licensed MLOs are required to complete 9 hours of NMLS-approved mortgage education annually beginning the year they are licensed (unless PE was completed in the same year). This includes:
- 3 hours of federal law
- 2 hours of ethics
- 2 hours of non-traditional mortgage lending
- 1 hour of electives
- 1 hour Utah-specific law
MLOs are advised that to comply with the SAFE Act’s “successive years” rule, they may not take the same CE course two years in a row.
Post-Licensure Requirements:
NOTE: The Utah DRE requires any newly licensed MLO to also complete a 5-hour post-licensure course prior to their first renewal. This course is only required to be taken prior to first license renewal and is to be taken in addition to the 9 hours of annual CE already required for MLOs (8 hrs + 1 hr UT-DRE specific training).
Utah (DRE) Mortgage Licensing:
- Utah Division of Real Estate
- Phone: 801-530-6747
- Email: realestate@utah.gov
- Website: realestate.utah.gov
NMLS Resources:
- Utah (DRE) MLO License Description Page
- Professional Standards: Mortgage Education
- Professional Standards: Criminal Background Check
- Professional Standards: Credit Report
- Professional Standards: MLO Testing