1 Hour UT-DRE SAFE: 2025 Utah Law Review
A mortgage loan originator (MLO) licensed Utah is required to complete nine total hours of continuing education annually. This includes:
- Three hours on federal mortgage-related laws
- Two hours on ethics, fraud, and consumer protection
- Two hours on traditional and non-traditional mortgage products
- One hour on elective content
- One hour on Utah-DRE specific education
This online self-study course satisfies the one hour of required state-specific education. Within the course, students will spend time reviewing state regulations and acts impacting mortgage loan origination activities; perusing scenarios, examples, or case studies; and completing exercises to demonstrate understanding of the content.
State Requirements For Utah
Utah Requirement Detail for Mortgage Continuing Education
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3 hours of federal law
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2 hours of ethics
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2 hours of non-traditional mortgage lending
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1 hour of electives
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1 hours of state-specific education
An MLO who has completed their pre-licensure education (PE) course requirements in the same year in which the license was approved, is not required to complete CE.
*NOTE: In addition to other required continuing education, a mortgage loan originator licensed with the State of Utah on or after May 8, 2017, shall, beginning January 1, 2020, complete a division-approved continuing education course for new loan originators prior to their first renewal. These five hours are in addition to the 9 hours of annual CE already required for MLOs (8hrs + 1hrs of UT-specific). The 5hr post-licensure course is required to be completed by October 21, 2022.
Course Duplication:
A licensee may not take the same CE course two years in a row.
Seat Time:
Seat time will be enforced and our online course delivery system manages this requirement.
Utah Contact Details for Mortgage Continuing Education
Utah Division of Real Estate
Phone: 801-530-6747
Email: realestate@utah.gov
Website: Utah Division of Real Estate
NMLS Resources for Mortgage Continuing Education
Professional Standards: Mortgage Education
Professional Standards: Criminal Background Check
Professional Standards: Credit Report
Professional Standards: MLO Testing