On April 1, 2013 NMLS launched the Uniform State Test or UST. This is the first major change to SAFE MLO Test requirements since the SAFE MLO tests were launched in July, 2009.
The UST is a new domain or section in the National Test. This new domain includes 25 questions which brings the length of the National Test Component with Uniform State Content to 125 questions, of which 115 are scored and ten are un-scored. In addition, a short version of the UST, called the Stand-alone UST, is available for a limited time and it includes 25 questions, all of which are scored. See table below for more details on the features of the new test components.
The new UST material tests applicants on their knowledge of high level state-related content that is based on the SAFE Act and the CSBS/AARMR Model State Law (MSL) which many states used to implement the SAFE Act. The content outline for the new National Test Component with Uniform State Content, and the Stand-alone UST including references, can be found here.
The UST replaces the state-specific test components for the states that adopt it. Therefore, by passing the National with Uniform State Content or the Stand-alone UST, a candidate can satisfy the testing requirements for licensure in those adopting states, and any states that adopt in the future.
As of January 1, 2014, 39 state mortgage agencies have adopted the UST. The remaining state agencies may elect to adopt the UST at a future date, but they are not required to do so. State agencies which choose not to adopt the UST will continue to require applicants to take and pass the current state specific test components. For a list of state agencies and when they will adopt the UST, see the UST Adoption Map and Table.
|National Test Component with Uniform State Content
|State Test Components
55 - 65 total;
45 - 55 scored
| 90 minutes
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 5.1 Appointment Changes in the MLO Testing Handbook.
New Applicants or existing licensees who expect to enroll and/or take any SAFE MLO tests should review these candidate enrollment scenarios.
|National Test with Uniform State Content
||Available for enrollment April 1, 2013, with no end date.
||All candidates who have not yet met the National test requirement, and who do not currently have an open enrollment for the National Test Component.
||Meets National Test requirements for all state mortgage agencies. Also meets state-specific test requirements for state agencies that have adopted the UST.|
|State Test Component(s)
||States adopting UST-no longer available for enrollment as of adoption date. All others are currently available for enrollment.
||All candidates who have not previously passed that specific state test component.
||Meets state-specific test requirement for each jurisdiction where MLO intends to hold a license.|
||Available for enrollment form April 1, 2013 through March 31, 2014.
||All candidates who have previously passed the National Test Component.
||Meets state-specific requirement for state agencies that have adopted the UST.|
Stand-alone Uniform State Test (UST)
For a limited time, between April 1, 2013 and March 31, 2014, a special test component, called the Stand-alone UST, will be available for enrollment for anyone who has previously passed the Retired National Test. This component is made up of 25 scored questions on Uniform State Content and will satisfy the state testing requirements for all states who adopt the UST. For states who may adopt in the future, passing the UST will automatically satisfy the requirements for those states on the date of their adoption. For instance, Nevada adopted on January 1, 2014. If candidates passed the UST on October 15, 2013, they would have satisfied the state testing requirements for Nevada on January 1, 2014.
Current licensees are not required to take the Stand-alone UST, but they are strongly encouraged to do so if they plan to be licensed in any other states in the future.
The Stand-alone UST is only available for enrollment April 1, 2013 through March 31, 2014. Candidates who enroll before April 1, 2014 will have the usual 180-day window to schedule and take the test. After April 1, 2014, licensees will need to take and pass the National Test Component with Uniform State Content if they need to meet the state testing requirement for states that have adopted the UST.
For details on how the Stand-alone UST is being scored, please see Scoring of the Stand-alone UST .
The results of the Stand-alone UST will not replace the previous National Test result; the individual’s combined score and final result will be added to the NMLS record and displayed in the testing record as “SAFE Mortgage Loan Originator Test - National Component with Uniform State Content.”