Mortgage Career

SAFEMLOEXAM.COM’S FAQ’s about the NMLS Exam – SAFE MLO (Mortgage Loan Originator) Test

Are practice tests important while studying to take the NMLS Exam?

Yes. Taking as many practice tests as you can, such as those available on, will greatly assist you in preparing for the SAFE MLO exam.

Where can I get accurate information for applying for a SAFE Mortgage Loan Originator (MLO) license?

You should review the national licensing requirements and licensing requirements for your state by reviewing the resources available from the NMLS Resource Center:

How do I prepare and register for the SAFE Mortgage Loan Originator (MLO) Test?

You can prepare for the test and learn the required steps to register for the SAFE MLO exam through the Mortgage Loan Originator Handbook:

It is available at the above link on the Testing Page of NMLS Resource Center. The handbook will provide you with the specific information that you need to know. As for preparing and studying for the SAFE MLO exam, make sure that you review the Content Outline available at:

How much is the cost associated with taking the Components of the NMLS Exam?

The associated fees of taking each of the components of the test can be found on the NMLS Testing Page:

Do I have to take a course before taking the SAFE MLO test?

You are required to complete a 20-hour pre-licensure course, though some states have an additional hourly requirement. More information can be found here:

Which SAFE Mortgage Loan Originator test do I need to take?

Which SAFE MLO test you need to take depends on the state agency in which you as an applicant is seeking licensure, the exam comprises 1 or 2 components. For the state agencies which adopted the UST or Uniform State Test, applicants are required to take only the National Test Component with Uniform State Content. Presently, only three states have a separate state component: Minnesota, West Virginia and South Carolina (S.C. will be adopting the Uniform State Test (UST) on 9/16/17. For the states that have not adopted UST, applicant) need to take the National Test Component with the Uniform State Content, as well as the State Test Components.

The map showing which states have adopted the UST can be found here:

If I am working for a commercial bank, am I required to take the SAFE Mortgage Loan Originator (MLO) Test?

If you are working for a commercial bank insured depository regulated by OTS, OCC, FRB, FDIC, and NCUA or by the Farm Credit Administration, you do not need to take the NMLS exam. But as a registrant, you are also eligible for the test.

If I have a number of mortgage loan originators (MLO’s) who are required to take the SAFE MLO exam, is it possible to schedule an appointment for group testing?

Yes, you can schedule appointments for group testing if there are 5 or more MLOs who need to take similar test component. A bulk reservation tool can be used by a company representative to schedule the appointment for group testing. Here is further information on group registration:

What should I bring with me to the testing center?

Generally, you must have one form of a non-expired and current government-issued identification, which should include a photo and signature. The name written on your government-issued identification must exactly match your name as it appears on your NMLS account. Please note that each testing provider or sponsor has their own identification requirements, so make sure that you check your licensing agency.