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Utah DRE Pre-license Training and Course Requirements

Get an understanding of mortgage lending state licensing and continuing education requirements

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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:

  1. Complete a Criminal Background Check (CBC).
  2. Authorize a credit report through the NMLS.
  3. Fulfill all state and federal education requirements as designated by your state agency.
  4. 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

The deadline to complete annual CE is December 15th.  

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: 

NMLS Resources: