Utah DRE License 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

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: