All applicants for state licensure are required to pass the National Test
Step 1: Pay for your test and accept the candidate agreement
To enroll for the National Test, 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.
For step-by-step instructions for creating a test enrollment and accepting the Candidate Agreement, please refer to one of the following:
Individuals
Companies
Once your test enrollment is opened, you will have 180 days to schedule your testing appointment and take the test. If you do not take your test within 180 days, your enrollment window will be closed, you will lose your test enrollment fee and you will have to open and pay for a new enrollment.
National Test
|
120 total;
115 scored |
190 minutes |
225 minutes |
$110 |
Each test appointment includes an additional 30-35 minutes for completing a tutorial and an optional candidate survey.
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 2: 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 3: Prepare and take the test
The following resources will help you prepare to take the test:
After you take your test, you will receive an unofficial score report with preliminary test results before you leave the testing center.
Within 72 hours of taking a test, you will receive an email stating that your official test results are available to view in NMLS. For additional information regarding how to view your official results, visit Section 9.3 Posting Official Test Results in the MLO Testing Handbook.
If you did not successfully pass the National Test, please review the Test Retake Policy.