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Utah License Requirements

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

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Utah - DFI Mortgage License Requirements

Learn about the Utah (DFI) mortgage education requirements for mortgage licensing.

In the state of Utah (DFI), 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 a National Test.
  5. A Surety Bond in a minimum amount of $12,500 or more depending on origination volume.

Utah (DFI) 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

Utah (DFI) Continuing Education Requirements:

State-licensed MLOs are required to complete 8 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

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.

Utah (DFI) Mortgage Licensing:

NMLS Resources:

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 10 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
  • 2 hours Utah-specific law

NOTE: This course is only required to be taken prior to first license renewal and is required in addition to the 10 hours of annual CE already required for MLOs (8 hrs + 2 hrs UT-DRE specific training).

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.

Utah (DRE) Mortgage Licensing: 

NMLS Resources: