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Utah Mortgage Loan Originator (MLO) CE category requirements

How the 9 CE hours every 1 year breaks down by category for licensed mortgage loan originators in Utah, sourced from the official board.

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9CE hours every 1 yearVerify with board

Required categories

Federal law & regulations
3h
Ethics (fraud, consumer protection, fair lending)
2h
Non-traditional mortgage lending
2h
Elective
1h
Utah mortgage law
1h

Federal SAFE Act baseline via NMLS: 8 hours of NMLS-approved CE per calendar year (3 hrs federal law & regulations, 2 hrs ethics covering fraud/consumer protection/fair lending, 2 hrs non-traditional mortgage lending, 1 hr elective), required beginning the year licensed (unless pre-licensure education was completed the same year). CE must be completed before renewing -- NMLS prohibits renewal applications without completed CE. Course providers bank credits to NMLS within 7 days of completion. NMLS annual renewal window: November 1 through December 31. Utah has two MLO regulators. Department of Real Estate (UT-DRE) licensees -- the stricter and more common track -- must complete 9 hours including 1 hour of Utah mortgage law, by December 15. Department of Financial Institutions (UT-DFI) licensees take the flat 8-hour NMLS course with no state-specific hour, due December 31.

Official source: NMLS

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⚠️Board rules change. Verify every figure against the official source before relying on it.

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