Check an agent or lender
Five roles sign your paperwork and three different registries answer for them. This page is the map: who licenses each role in Utah, which free lookup returns the answer, and — the part that catches people — what each lookup does not cover.
Back to the marketplace →Utah puts real estate, appraisal and residential mortgage under one agency — the Utah Division of Real Estate, inside the Utah Department of Commerce. One agency, but not one search box, and that is where most checks go wrong.
It is not DOPL. The Division of Professional Licensing regulates most Utah trades, and secondary sites routinely file real estate under it, but real estate, appraisal and residential mortgage all sit under the Department of Commerce's Division of Real Estate instead. A lookup run against the wrong division returns nothing and reads like an unlicensed agent.
All five are free. None of them charges, and none of them requires an account. Each entry below names what it covers, what it leaves out, and the thing it is most often mistaken for — because a lookup that returns nothing because you used the wrong one reads exactly like a lookup that returns nothing because the person is unlicensed.
Utah license lookup — real estate and appraisal
Often mistaken for: The one lookup that covers everybody in a transaction. It covers two of the division's three licensing programs, and the third — mortgage — is the one most buyers want to check.
- Sales agents
- Associate brokers, branch brokers and principal brokers
- Registered brokerages and branches
- Appraisers and appraisal trainees
- Mortgage loan originators and lending managers — those are a separate program under the same division, and they are not in this search box
- Anyone whose application has been filed but not yet approved
Updated as licenses are issued, renewed, suspended or revoked, so it reflects status rather than a snapshot date.
NMLS Consumer Access
Often mistaken for: A single national standard. Registration and licensure are different things on the same screen: a loan originator at a federally regulated bank is registered with an identifier, while a Utah-licensed originator has cleared the state's education and testing on top. Both appear; the record says which.
- State-licensed mortgage loan originators, including Utah's
- Mortgage companies, their DBAs and their branches
- Mortgage loan originators employed by federally regulated banks and credit unions, who are registered rather than state-licensed
- Consumer finance, debt and money services companies in participating states
- Real estate agents and brokers
- Appraisers
- Applications a state has not yet approved
- License types a given state has chosen not to put on the system
Free and continuously maintained by the participating state regulators, so currency depends on the state feeding it.
Utah Division of Real Estate disciplinary actions
Often mistaken for: A complaint history. A clean record here means no sustained agency action, which is a lower bar than no complaints — and a considerably lower bar than a happy client list.
- Agency action taken against real estate, mortgage and appraisal licensees
- The division's own quarterly newsletter, which carries the case summaries in narrative form
- Complaints that were filed and not sustained
- Anything still under investigation
- Private disputes settled without the division
Published on the division's own schedule; the newsletter runs quarterly.
Utah Division of Real Estate complaint intake
Often mistaken for: A way to recover money. The division regulates licenses; it does not award damages, and a sustained complaint does not refund a deposit.
- Conduct by a licensee the division regulates — agents, brokers, property managers, mortgage originators and appraisers
- Contract disputes between buyer and seller, which are a civil matter
- Anyone the division does not license, which is where an unlicensed 'consultant' ends up
Open year round.
Consumer Financial Protection Bureau complaint database
Often mistaken for: A scoreboard. Volume tracks company size before it tracks company conduct, so the count on its own says very little about a lender.
- Complaints against mortgage lenders and servicers, published with the company's response
- Real estate agents and brokers, who are not the bureau's licensees
- Any verification that a complaint's allegations are true
Continuously published.
Check the license before the first meeting, not after the offer
Every lookup on this page is free and takes under a minute. The cost of running it late is that you have already told someone your budget.
A clean record is a floor, not a recommendation
These registries answer one question: is this person authorized to do this work in Utah right now. They do not answer whether the person is any good at it, and no registry on this page tries to.
Get representation in writing
Who an agent represents — you, the other side, or both — determines what they are allowed to tell you. Utah uses state-approved forms for this, and the form is the answer, not the conversation.
Compare the forms, not the pitches
The Loan Estimate and the Closing Disclosure exist so that two lenders can be compared line by line. A verbal quote cannot be compared to anything.
Referral fees are the regulated part
Federal law prohibits paying or accepting a fee purely for referring settlement business, and requires affiliated business arrangements to be disclosed. If someone is steering you firmly toward one lender or title company, the disclosure is the document that explains why.
Conduct by a licensee goes to the division that issued the license, through its complaint intake. Sustained action is published in the division's disciplinary actions and summarized in its quarterly newsletter. The division regulates licenses; it does not award damages, and a contract dispute between buyer and seller is a civil matter it will not resolve.
Utah Division of Real Estate · Heber M. Wells Building, 2nd Floor, 160 East 300 South, Salt Lake City, Utah 84111 · (801) 530-6747. Registry details on this page were checked against the regulators' own sites on 2026-08-16; agencies reorganize their sites, so follow the link rather than trusting a description that has aged.
- Who publishes Utah County housing figures — and why price is the one number Utah does not record
- Buying a home in Provo
- Property managers and landlords listing on Provo.com
- How HOAs work in Utah Valley
- Moving to Provo