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How To Become A Mortgage Loan Officer In Utah (2022)

How To Get Your Mortgage License (MLO) In Utah

Last Update: January 23, 2021

In almost all cases, Mortgage Loan Originator (MLO) Candidates require 20 hours of training for licenses. An exception, is a license issued under the Utah Division of Real Estate. This requires an additional 15 hours of UT-DRE instruction. More on that break down later. In the meantime though, you can view Utah requirements and keep them available for reference. 

Once you verify your state specific course, it’s easy to get going. These simplified steps will help you determine the best way to get your mortgage loan originator or loan officer license.

*Please note, that this is a general overview of requirements and that they may not reflect the most recent information. Your specific circumstances may require a different process as well. Please always verify requirements with the appropriate agencies.

How To Become A Mortgage Loan Officer In Utah In 6 Steps

Step #1

Create an account and register with Nationwide Multistate Licensing System & Registry (NMLS) and obtain an ID number.

register with NMLS

Step #2

You must complete 20 hours of education either online or in person:

(Note: Licenses issued under the Utah Division of Real Estate require an additional 15 hours of UT-DRE instruction)

20 hours of NMLS training

Step #3

Pass the NMLS Mortgage licensing exam (some states have a state specific test)

NMLS exam Arizona

Step #4

Complete background checks

nmls background check

Step #5

Apply for your license

nmls application

Step #6

Find an employer and associate your NMLS account ID with them

hired mortgage loan originator


There is no requirement for previous education and once hired, loan officers usually receive some on-the-job training. This may be a combination of formal, company-sponsored training and informal training during the first few months on the job. Most Loan Officers come from a background of sales, customer services and enjoy working with others.