Utah Mortgage Loan Originator (MLO) 20-Hour Pre-License SAFE Act Course


  • Duration: 20 hours
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How to Get a Utah Mortgage Loan Originator (MLO) License

License Requirements

  • Must be at least 18 years of age or older
  • Have a high school diploma or equivalent
  • Possess a social security number
  • Have established credit in the U.S.

Activities Authorized Under This License

This license authorizes the following activities:

  • First & Second Mortgage Brokering
  • Foreclosure Consulting/Foreclosure Rescue
  • Home Equity Lending/Lines of Credit
  • Reverse Mortgage Activities o High Cost Home Loans
  • Third Party Mortgage Loan Processing (1099 Employees Only)
  • Third Party Mortgage Loan Underwriting (1099 Employees Only)
  • Mortgage Loan Modifications

Step 1: Obtain an NMLS Unique Identifier

Go to statemortgageregistry.com and click on “Request an Account” at the bottom. To get the NMLS number is simple, and at no cost. They issued the number instantly, but be sure not to display it until you are properly licensed.

Step 2: Criminal Background Check

An applicant is required to authorize a Federal (FBI) criminal background check (CBC) through NMLS. Each state also requires a criminal history background check.

The applicant may request a State criminal background check and pay for any applicable fees at the time the Federal (FBI) criminal background check is scheduled through NMLS.

Step 3: Pre-License Education Requirements

New state-licensed MLOs are required to complete 20 hours of NMLS-approved education. NMLS approved education must include 3 hours of Federal law, 3 hours of ethics (which shall include fraud, consumer protection, and fair lending issues), 2 hours of non-traditional mortgage lending, plus 12 hours of undefined education (referred to as electives). Number of hours is 3/3/2/12 = 20 NOTE: UT-DRE also has an additional requirement of 15 hours of UT-DRE approved instruction which is not reported into NMLS.

Step 4. Pass Your Exams

You are required to take and pass the SAFE Act National Test with Uniform State Test (UST). Our recommendation is to take the test within 10 after you’ve completed the 20 hour pre-licensing course. A score of 75% or better is required to pass the SAFE Act test.

  • TEST ENROLLMENT: First you must create a TEST ENROLLMENT on the NMLS website. You will pay $110 (fee may vary) for the National Test with Uniform State Test (UST) upon the enrollment. Creating the enrollment is what will give you permission to schedule the test.

How To Pay For A Test Enrollment

  • SCHEDULE YOUR TESTS: **You must pay for the tests in the step above BEFORE you can schedule a test date.** The tests are given by Prometric Testing Centers, and they have centers located throughout the state and across the country.

Schedule Test

  • If you fail the exam: You must wait 30 days to retake the exam. If you fail 3 times, then you must wait at least 180 days (6 months) to retake the exam.

Step 4: Submit the MU4 Application

*Complete after you’ve attended the 20 Hour SAFE Act Comprehensive Course and passed the National exam*

  • Loan Originator applicants must submit the “Uniform Individual Mortgage License/Registration & Consent Form,” also known as the MU4 APPLICATION on the NMLS website.
  • FEES: You must pay a $195 (price may vary) nonrefundable application fee, a $20 (price may vary) nonrefundable Mortgage Guaranty Trust Fund fee and a $60 (fee may vary) NMLS processing fee when you apply.

How To Submit MU4 Application 

  • Credit Report: Authorization for a credit report must be completed. Upon initial authorization, you are required to complete an Identity Verification Process (IDV) within the Individual Form (MU4). See the Individual (MU4) Credit Report Quick Guide for instructions on completing the IDV. Note: The same credit report can be used for any existing or additional licenses for up to 30 days. The cost of the credit report is $15 (fee may vary).

How To Submit Credit Report

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