Minimum age: DRE applicants: at least 18 when applying; Required hours: DRE applicants: 20 hours NMLS-approved prelicensing coursework plus the additional 5-hour mortgage loan originator course; Exam: DRE applicants must pass the NMLS national exam including the Uniform State Test component. If you request your renewal during the renewal period of Nov 1 - Dec 31, your license will remain in the same status that was reflected when your renewal was requested.
Verified Oct 25, 2026 · 2 official sources
Application steps: Not verified yet. See the official instructions.
DRE applicants: at least 18 when applying.
Be at least 18 years of age at the time of application.Official source
DRE applicants: 20 hours NMLS-approved prelicensing coursework plus the additional 5-hour mortgage loan originator course.
Take the education requirements that include 20 hours of NMLS-approved courses (3 hours federal law and regulations, 3 hours of ethics (including fraud, consumer protection, and fair lending practices), 2 hours non-traditional mortgages, and 12 hours of electives); AND the additional 5-hour mortgage loan originator course through an approved Mortgage Pre-license School.Official source
DRE applicants must pass the NMLS national exam including the Uniform State Test component.
You must take and pass the NMLS national exam, including the Uniform State Test (UST) component.Official source
Utah Division of Real Estate (DRE); Utah Department of Financial Institutions (DFI) for its separate mortgage activities
Utah’s mortgage regulation structure is complex because two different agencies regulate different activities. Brokering and retail origination of closed-end residential first mortgages are activities primarily regulated by the Utah Division of Real Estate (DRE). … The Utah Department of Financial Institutions (“this Department” or “DFI”) has authority from the Financial Institution Mortgage Financing Regulation ActOfficial source
Apply for a Mortgage Loan Originators LicenseOfficial source
complete the MU4 Form (Individual Record) in NMLS. This is your application for licensure.Official source
Verified Oct 25, 2026 · 2 official sources
The listed application, exam and prelicensing requirements describe DRE licensing for brokering and retail origination of closed-end residential first mortgages.
Brokering and retail origination of closed-end residential first mortgages are activities primarily regulated by the Utah Division of Real Estate (DRE).Official source
DFI's MLO license primarily covers servicing residential first mortgages and originating or servicing other mortgage types such as second mortgages; it does not authorize brokering or retail origination of closed-end residential first mortgages.
This Department’s MLO license does not authorize an individual to broker or originate retail closed-end residential first mortgages. … This Department’s MLO license is primarily for individuals who service residential first mortgage loans. It is also for individuals who originate or service other mortgage types (like second mortgages).Official source
DFI mortgage licenses also use NMLS; consult DFI's licensing guidance for that separate pathway.
You must apply for mortgage licenses in the Nationwide Multistate Licensing System (NMLS).Official source
DRE's posted renewal fee is $78, including $30 NMLS processing, $30 renewal and $18 Recovery Fund charges.
The renewal fee is $78.00, which includes the NMLS processing fee of $30, the $30.00 renewal fee, and the $18.00 Recovery Fund fee.Official source
New DRE mortgage loan originators must also complete a one-time 5-hour Utah postlicensing course before their first renewal.
Newly licensed Mortgage Loan Originators will have a one-time requirement to complete the additional 5-hour Utah Post licensing course before their first renewal.Official source
An active DRE license requires company sponsorship; without it the license is inactive.
The company you are affiliating with will need to sponsor you for an approved (active) license. If you do not have a sponsor, your license will be inactive until you have an employer sponsorship.Official source
For DFI's separate pathway, Title 70D requires at least 20 hours of approved prelicensing education; the commissioner sets the required hours by rule.
Before an individual may be licensed under this chapter, the individual shall complete the number of hours of prelicensing education required by rule made by the commissioner. … at least 20 hours of prelicensing education approved by the nationwide databaseOfficial source
DFI license holders must complete annual continuing education in the number of hours prescribed by commissioner rule; the statute specifies eight hours approved by the nationwide database and federal-law, ethics and nontraditional-mortgage content.
A licensee shall annually complete at least the number of hours of continuing education required by rule made by the commissioner. … eight hours of continuing education approved by the nationwide database; … three hours of federal law and regulations; … two hours of ethics … two hours of training related to lending standards for the nontraditional mortgage product marketplace.Official source
DFI's separate Title 70D initial licensing fee is $200.
70D-3-203 Initial licensure procedure. (1) To apply for licensure under this chapter an individual shall: … notwithstanding the requirements applicable to a regulatory fee under Section 63J-1-504, pay a fee of $200.Official source
DFI licenses expire December 31 each year; the statutory renewal fee is $100.
70D-3-204 Renewal of license. (1) A license issued under this chapter expires on December 31 of each year. … To renew a license under this chapter an individual shall: … notwithstanding the requirements applicable to a regulatory fee under Section 63J-1-504, pay a fee of $100.Official source
Verified Oct 25, 2026 · 4 official sources
If you request your renewal during the renewal period of Nov 1 - Dec 31, your license will remain in the same status that was reflected when your renewal was requested.
If you request your renewal during the renewal period of Nov 1 - Dec 31, your license will remain in the same status that was reflected when your renewal was requested.Official source
DRE renewal for 2026/2027: 9 hours total, comprising 8 NMLS-approved hours and 1 Utah-specific hour.
Top 5 Checklist Items for MLO/LM Utah License Renewal 2026/2027 … Complete Your 9 Hours of Continuing Education (CE) … Complete 8 hours of NMLS-approved CE (3 hrs federal law, 2 hrs ethics, 2 hrs non-traditional lending, 1 hr origination) plus 1 hour of Utah-specific law.Official source
Verified Oct 25, 2026 · 2 official sources
View renewal deadlines, fees and CE
Have a license or permit? Use the expiration date printed on it to set up your calendar and reminders.
License lookup link: Not verified yet. Check the licensing agency or browse license lookup by state.
If you request your renewal during the renewal period of Nov 1 - Dec 31, your license will remain in the same status that was reflected when your renewal was requested.
If you request your renewal during the renewal period of Nov 1 - Dec 31, your license will remain in the same status that was reflected when your renewal was requested.Official source
Verified Oct 25, 2026 · 1 official source
Verified Oct 25, 2026 · 5 official sources
Last verified Oct 25, 2026. Each quotation supports the corresponding published value.
Utah Division of Real Estate (DRE); Utah Department of Financial Institutions (DFI) for its separate mortgage activities
Utah Division of Real Estate (DRE); Utah Department of Financial Institutions (DFI) for its separate mortgage activities
Utah’s mortgage regulation structure is complex because two different agencies regulate different activities. Brokering and retail origination of closed-end residential first mortgages are activities primarily regulated by the Utah Division of Real Estate (DRE). … The Utah Department of Financial Institutions (“this Department” or “DFI”) has authority from the Financial Institution Mortgage Financing Regulation ActOfficial source
Last verified Oct 25, 2026
https://commerce.utah.gov/realestate/mortgage/mortgage-loan-originators/
Apply for a Mortgage Loan Originators LicenseOfficial source
Last verified Oct 25, 2026
https://commerce.utah.gov/realestate/mortgage/mortgage-loan-originators/
complete the MU4 Form (Individual Record) in NMLS. This is your application for licensure.Official source
Last verified Oct 25, 2026
DRE applicants: at least 18 when applying.
DRE applicants: at least 18 when applying.
Be at least 18 years of age at the time of application.Official source
Last verified Oct 25, 2026
DRE applicants: 20 hours NMLS-approved prelicensing coursework plus the additional 5-hour mortgage loan originator course.
DRE applicants: 20 hours NMLS-approved prelicensing coursework plus the additional 5-hour mortgage loan originator course.
Take the education requirements that include 20 hours of NMLS-approved courses (3 hours federal law and regulations, 3 hours of ethics (including fraud, consumer protection, and fair lending practices), 2 hours non-traditional mortgages, and 12 hours of electives); AND the additional 5-hour mortgage loan originator course through an approved Mortgage Pre-license School.Official source
Last verified Oct 25, 2026
DRE applicants must pass the NMLS national exam including the Uniform State Test component.
DRE applicants must pass the NMLS national exam including the Uniform State Test component.
You must take and pass the NMLS national exam, including the Uniform State Test (UST) component.Official source
Last verified Oct 25, 2026
DRE renewal for 2026/2027: 9 hours total, comprising 8 NMLS-approved hours and 1 Utah-specific hour.
DRE renewal for 2026/2027: 9 hours total, comprising 8 NMLS-approved hours and 1 Utah-specific hour.
Top 5 Checklist Items for MLO/LM Utah License Renewal 2026/2027 … Complete Your 9 Hours of Continuing Education (CE) … Complete 8 hours of NMLS-approved CE (3 hrs federal law, 2 hrs ethics, 2 hrs non-traditional lending, 1 hr origination) plus 1 hour of Utah-specific law.Official source
Last verified Oct 25, 2026
If you request your renewal during the renewal period of Nov 1 - Dec 31, your license will remain in the same status that was reflected when your renewal was requested.
If you request your renewal during the renewal period of Nov 1 - Dec 31, your license will remain in the same status that was reflected when your renewal was requested. Applies to: DRE mortgage loan originator annual license renewal
If you request your renewal during the renewal period of Nov 1 - Dec 31, your license will remain in the same status that was reflected when your renewal was requested.Official source
Last verified Oct 25, 2026
The listed application, exam and prelicensing requirements describe DRE licensing for brokering and retail origination of closed-end residential first mortgages.
The listed application, exam and prelicensing requirements describe DRE licensing for brokering and retail origination of closed-end residential first mortgages.
Brokering and retail origination of closed-end residential first mortgages are activities primarily regulated by the Utah Division of Real Estate (DRE).Official source
Last verified Oct 25, 2026
DFI's MLO license primarily covers servicing residential first mortgages and originating or servicing other mortgage types such as second mortgages; it does not authorize brokering or retail origination of closed-end residential first mortgages.
DFI's MLO license primarily covers servicing residential first mortgages and originating or servicing other mortgage types such as second mortgages; it does not authorize brokering or retail origination of closed-end residential first mortgages.
This Department’s MLO license does not authorize an individual to broker or originate retail closed-end residential first mortgages. … This Department’s MLO license is primarily for individuals who service residential first mortgage loans. It is also for individuals who originate or service other mortgage types (like second mortgages).Official source
Last verified Oct 25, 2026
DFI mortgage licenses also use NMLS; consult DFI's licensing guidance for that separate pathway.
DFI mortgage licenses also use NMLS; consult DFI's licensing guidance for that separate pathway.
You must apply for mortgage licenses in the Nationwide Multistate Licensing System (NMLS).Official source
Last verified Oct 25, 2026
DRE's posted renewal fee is $78, including $30 NMLS processing, $30 renewal and $18 Recovery Fund charges.
DRE's posted renewal fee is $78, including $30 NMLS processing, $30 renewal and $18 Recovery Fund charges.
The renewal fee is $78.00, which includes the NMLS processing fee of $30, the $30.00 renewal fee, and the $18.00 Recovery Fund fee.Official source
Last verified Oct 25, 2026
New DRE mortgage loan originators must also complete a one-time 5-hour Utah postlicensing course before their first renewal.
New DRE mortgage loan originators must also complete a one-time 5-hour Utah postlicensing course before their first renewal.
Newly licensed Mortgage Loan Originators will have a one-time requirement to complete the additional 5-hour Utah Post licensing course before their first renewal.Official source
Last verified Oct 25, 2026
An active DRE license requires company sponsorship; without it the license is inactive.
An active DRE license requires company sponsorship; without it the license is inactive.
The company you are affiliating with will need to sponsor you for an approved (active) license. If you do not have a sponsor, your license will be inactive until you have an employer sponsorship.Official source
Last verified Oct 25, 2026
For DFI's separate pathway, Title 70D requires at least 20 hours of approved prelicensing education; the commissioner sets the required hours by rule.
For DFI's separate pathway, Title 70D requires at least 20 hours of approved prelicensing education; the commissioner sets the required hours by rule.
Before an individual may be licensed under this chapter, the individual shall complete the number of hours of prelicensing education required by rule made by the commissioner. … at least 20 hours of prelicensing education approved by the nationwide databaseOfficial source
Last verified Oct 25, 2026
DFI license holders must complete annual continuing education in the number of hours prescribed by commissioner rule; the statute specifies eight hours approved by the nationwide database and federal-law, ethics and nontraditional-mortgage content.
DFI license holders must complete annual continuing education in the number of hours prescribed by commissioner rule; the statute specifies eight hours approved by the nationwide database and federal-law, ethics and nontraditional-mortgage content.
A licensee shall annually complete at least the number of hours of continuing education required by rule made by the commissioner. … eight hours of continuing education approved by the nationwide database; … three hours of federal law and regulations; … two hours of ethics … two hours of training related to lending standards for the nontraditional mortgage product marketplace.Official source
Last verified Oct 25, 2026
DFI's separate Title 70D initial licensing fee is $200.
DFI's separate Title 70D initial licensing fee is $200.
70D-3-203 Initial licensure procedure. (1) To apply for licensure under this chapter an individual shall: … notwithstanding the requirements applicable to a regulatory fee under Section 63J-1-504, pay a fee of $200.Official source
Last verified Oct 25, 2026
DFI licenses expire December 31 each year; the statutory renewal fee is $100.
DFI licenses expire December 31 each year; the statutory renewal fee is $100.
70D-3-204 Renewal of license. (1) A license issued under this chapter expires on December 31 of each year. … To renew a license under this chapter an individual shall: … notwithstanding the requirements applicable to a regulatory fee under Section 63J-1-504, pay a fee of $100.Official source
Last verified Oct 25, 2026
Not yet verified: license fee — see the official agency.
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