Testing

Step 1: Determine your testing requirements**

Depending on the state agency(ies) in which applicants are seeking licensure, the SAFE MLO Test is comprised of one or two components.  For state agencies which have adopted the Uniform State Test (UST), applicants are required only to take the National Test Component with Uniform State Content. For state agencies which have not adopted the UST, applicants are required to take the National Test Component with Uniform State Content and the State Test Component(s) for the state agency(ies) in which they are seeking licensure. 

To help you determine which test you are eligible to take, please see the Test Enrollment Chart below. 

Step 2: Pay for your test and accept the Candidate Agreement

To enroll for a test component, you must establish an account in NMLS. Click here to access the Create an Individual Account Quick Guide for instructions on how to create an account in NMLS. Once you have an NMLS account, you can proceed with creating and paying for a test enrollment. Once you have opened the enrollment, you must accept the Candidate Agreement before being able to schedule your test.

Test enrollment fees are non-refundable and non-transferable. For more details, please review Section 4.1 Appointment Changes in the MLO Testing Handbook. 

Step 3: Schedule a test appointment

Individuals seeking special testing accommodations due to a disability must make a request prior to scheduling an appointment. Please visit the Special Accommodations page for details.

To schedule a test appointment, you can:

• Login to NMLS and navigate to the Manage Test Appointments page
• Or go to www.prometric.com/nmls
• Or call Prometric at 1-877-671-6657
   

After you have scheduled your test sessions, you will receive an email confirming your appointment time and location.

To view the status of all your test enrollments and appointments, login to NMLS and go to Manage Test Appointments

Rescheduling Test Appointments
If you need to reschedule an appointment you will need to contact Prometric no later than 12:00 pm (in the time zone where the test is being taken) two business days prior to the scheduled appointment. You will need to provide Prometric with your confirmation number. Individual testing sites are unable to schedule, reschedule or cancel appointments.  Failure to follow the cancellation/reschedule policy or failure to show up for a scheduled test will result in the test enrollment window being closed and loss of test enrollment fee. A candidate must request and pay for a new enrollment window prior to scheduling a new test appointment.

Companies interested in scheduling appointments for multiple licensees should review Section 3.4 Group Appointment Procedures in the MLO Testing Handbook.

Step 4: Prepare and take the test

The following resources will help you prepare to take the test:

• Test Component Content Outlines – overview of what will be covered on each test component, the number of questions, how each test is weighted and corresponding reference lists.
• MLO Testing Handbook – a detailed guide for the entire testing process (from creating an enrollment and scheduling a testing appointment to what to expect at the testing center, etc.)
• Candidate Agreement and Rules of Conduct for Test Takers – The Candidate Agreement contains important information regarding test security and confidentiality that apply to all persons taking the SAFE MLO Test. 

After you take your test, you will receive an unofficial score report with preliminary test results before you leave the testing center.

If you did not successfully pass a test component, please review the Test Retake Policy.