Utah Mortgage Loan Originator (MLO) 10-Hour Continuing Education Course


  • Duration: 10 hours
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How to Renew Your Utah Mortgage Loan Originator (MLO) License

Continuing Education Requirements MLO

Every state-licensed MLO (in any approved status) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed (unless PE was completed in the same year). Annual CE education must include 3 hours of Federal law, 2 hours of ethics (which shall include fraud, consumer protection, and fair lending issues), and 2 hours of non-traditional mortgage lending, plus one additional hour of undefined education (referred to as an elective) plus 2 hour Utah-approved specific annual update course. Number of hours is 3/2/2/1 + 2hr UT annual update course = 10 NOTE: MLOs licensed by UT-DRE between Jan 1 – Dec 31, 2018, are required to complete a 5hr post-licensure course in 2019. This is in addition to the 10 hours of annual CE already required for MLOs (8hrs + 2hrs of UT-specific). This 5hr course is required to be completed by October 31.

EXAMPLE: Am I required to take Continuing Education this year?

  • If I became federal compliant for PE between 2009 – 2017 and was licensed between 2009 – 2018 am I required to complete CE in 2019. YES
  • If I became compliant for PE in 2019 and I was approved for an initial license in 2019 am I required to complete CE in 2019. NO


The deadline to complete both Federal and State CE is December 15. However, MLOs with Utah-DRE are prohibited from applying to renew their license if they have not completed CE. Since it may take as long as seven (7) days for a course provider to report a course completion into NMLS, MLOs are strongly encouraged not to wait until the last minute to try to complete CE or they may be prevented from submitting for renewal on time.

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