Get Your Utah MLO License

Mortgage loan originators in Utah are required to be licensed. In order to apply for a DRE license through NMLS, our students will complete 25-hours of NMLS approved education. Our Utah online MLO courses are fully approved to meet this requirement. Enroll now and start anytime.

Sale Price $189 Enroll Now-Start Anytime

3 Easy Steps to obtain a Utah-DRE Mortgage Loan Originator License

Complete our NMLS Approved 20-hr National Course and our NMLS approved 5-hour Utah MLO Course. We provide both for just $189!
ENROLL HERE start the course instantly

Pass the national mortgage exam:
Exam prep included free of charge (unlike other schools)

Apply for the MLO License:
We report your hours to the NMLS free of charge

25-Hour SAFE Comprehensive: Utah MLO Courses

Our 20-hour NMLS Approved National Mortgage License Course will fully prepare you to pass the Utah mortgage loan originator license exam. Once you complete this course, you will have immediate FREE ACCESS to our 5-hour Utah Mortgage Law Course (for Utah Division of Real Estate applicants) and a comprehensive Exam Prep Course. All three courses for just $189. Upon completion, you will be able to apply for your mortgage loan originator license with either the Utah Division of Real Estate (DRE) or the Utah Department of Financial Institutions (DFI) through the NMLS (Nationwide Multistate Licensing System).

20 Hour Approved Course #16623
5 Hour Utah Laws Course #18998 ($49 value)
Bonus Exam Prep Course Included FREE ($149 value)
NMLS Hours Reporting Included Free ($30 value)
Online Prerecorded Instructor Led Videos
E-textbook Included
Unlimited Phone & Email Support
Bonus Marketing Videos Included FREE ($236 value)
Fully Updated for 2026

If you already have an MLO license in another state and want to get a Utah License too, you can enroll in our 5-hr Utah self-paced MLO course for $49 by calling student support at (888) 405-4453.

Why so inexpensive compared to other mortgage schools?

Since we only offer online courses, we can keep our costs low and our price affordable unlike most of our competitors. Therefore, we get to train more students than the other schools, which is a win for us. By keeping our costs lower, we help you get started in a great career as an MLO without having to take out a loan for your training, so everybody wins.

Best Training - Best Service - Best Value

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Utah 5-hour Mortgage Laws Course and Exam Prep Included Free

Our 5-hour Utah DRE mortgage laws course is included with the purchase of our 20-hour course. We also include our exam prep material in one easy to access package. You will get everything you need to become a licensed mortgage loan originator in Utah.

A message from our Mortgage Loan Originator Education Instructor Rich Leffler about the training program

Utah Mortgage Loan Originator Market Overview

Working as a mortgage loan originator with a Utah MLO License provides exceptional opportunities due to the state’s rapid population growth, strong economy, and dynamic housing market. Utah’s thriving tech sector—often called the “Silicon Slopes”—combined with high median household incomes, robust job creation, and a young, growing demographic, creates abundant earning potential. Utah MLOs also benefit from the state’s resilient economy, steady influx of out-of-state relocations, expanding suburban developments, and consistently strong demand for primary homes and investment properties, making it one of the most vibrant markets for mortgage professionals. Whether you want to become a mortgage broker in Salt Lake City, West Valley City, Provo, West Jordan, Orem, Sandy, Ogden, St. George, Layton, or South Jordan, our mortgage loan originator course will give you the education you need to get your license.

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Utah MLO Licensing Frequently Asked Questions

Who is required to have a Mortgage Loan Originator (MLO) license in Utah?

Getting your Utah MLO license is a straightforward process! Anyone who takes residential mortgage loan applications or negotiates loan terms for compensation in Utah must hold an MLO license. Independent contractor loan processors and underwriters also need to be licensed. Fortunately, completing your required pre-license education online makes fulfilling this requirement quick and hassle-free.

What is the difference between Utah DRE and Utah DFI for MLO licensing?

Utah has two state regulatory bodies that issue mortgage licenses based on your employer's business structure:

Utah Division of Real Estate (DRE): Regulates traditional retail mortgage brokers, lenders, and originators. To get licensed under DRE, you must complete the 20-hour national NMLS course plus 5 hours of Utah state-specific education (25 hours total).
Utah Department of Financial Institutions (DFI): Primarily regulates MLOs working for depository institutions, wholesale lenders, or mortgage servicers. DFI requires only the 20-hour national NMLS course. Note: If you already hold an active DRE license, DFI waives its licensing requirement automatically!

Most retail mortgage originators in Utah obtain their license through the Utah DRE.

How much does a Mortgage Loan Originator make in Utah?

Thanks to Utah’s thriving real estate market and strong economy, loan officers in Utah enjoy incredible earning potential. While average annual salaries range from $65,000 to $145,000, top-performing mortgage originators in cities like Salt Lake City, Provo, and St. George frequently earn upwards of $300,000+ annually through commissions.

How many hours of pre-licensure education (PE) are required to get licensed in Utah?

Completing your education is fast and flexible with 100% online self-paced courses:

For Utah DRE Applicants: 25 hours total (20-hour National SAFE course + 5-hour Utah state law course).
For Utah DFI Applicants: 20 hours total (20-hour National SAFE course).

Our comprehensive $189 package includes all your required hours, free NMLS reporting, and bonus exam prep to guarantee your success!

What are the testing requirements for a Utah MLO license?

Passing your exam is simpler than ever! You only need to pass the National SAFE MLO Test with Uniform State Content (UST) by scoring 75% or higher. There is no separate Utah state test module. Best of all, you can take the exam conveniently online via remote proctoring from your home or at a local testing center.

How much does it cost to get a Utah MLO license?

Starting a lucrative career as a Utah MLO is remarkably affordable. Your total state setup costs include an application fee (~$200), an NMLS processing fee ($30–$35), an NMLS credit report fee ($15), and an FBI criminal background check fee ($36.25). Combined with our low-cost $189 education package, you can get licensed for a fraction of the cost of other professional careers.

Do I need an employer to sponsor my Utah MLO license before applying?

No! You can easily complete your education, pass the exam, and submit your license application on your own. Utah will approve your license in an 'Approved-Inactive' status. Once you choose a mortgage company or brokerage to work with, they will simply submit an electronic sponsorship request in the NMLS to activate your license so you can start closing loans!

Can I work remotely as an MLO for a Utah mortgage company?

Yes! Utah allows licensed MLOs to work remotely from a home office, giving you complete flexibility to build your mortgage career from anywhere while working for a Utah-licensed mortgage business.

Do individual MLOs in Utah need their own surety bond?

In most cases, no! Individual loan officers working for a licensed mortgage brokerage or lender in Utah are covered directly under their employer’s company surety bond, saving you time and extra out-of-pocket expense.

What documents are needed for the Utah MLO application?

Submitting your application is smooth and straightforward through the online NMLS portal. You will simply need to upload a government-issued photo ID (driver's license or passport), complete standard MU4 background questions, and provide brief written explanations if you have derogatory marks on your credit report.

Does Utah require a background check and credit report for MLO licensing?

Yes, all applicants undergo a standard NMLS credit check and FBI fingerprint background check. Having minor credit issues won't automatically disqualify you—you simply need to provide a brief letter of explanation showing payment arrangements or plans for resolution.

How do I contact state regulators for Utah mortgage licensing questions?

Depending on which path you choose, state regulators are accessible and helpful:

Utah Division of Real Estate (DRE): Email realestate@utah.gov or call (801) 530-6747.
Utah Department of Financial Institutions (DFI): Call (801) 538-8830 or visit their official website at dfi.utah.gov.

24hourEDU NMLS Mortgage Loan Officer Course – $189 All States

NMLS 20-Hour Mortgage Loan Officer Pre-Licensing Course

by 24hourEDU · Valid in all 50 states

$189 Enroll Now →

NMLS Approved Course #16623

20-hour NMLS approved pre-licensing course (#16623)
Exam prep course included with SAFE test study guide
1,000+ free practice questions to pass the license exam
Free NMLS hours reporting to your individual NMLS account upon completion
Fully narrated online video lessons plus a downloadable 600-page PDF e-book
Bonus state-specific mortgage loan officer laws course included for your state
Bonus marketing videos to help you launch your career and be successful