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Before You Apply
Before you apply for an individual license or registration in NMLS, there are a several tasks you need to complete.
Passing the SAFE MLO Test
Understand the requirements and structure of the SAFE Mortgage Loan Originator (MLO) Test, and how to prepare for and schedule your exam.

Before You Apply
Before you apply for an individual license or registration in NMLS, there are a several tasks you need to complete.
- User Accounts and Profiles
  This section introduces individual user accounts and profiles in NMLS, including how accounts are created, managed, and updated. It provides an overview of related tasks and explains where users can find detailed instructions for completing common account and profile activities.
- Working with Your Employer for License or Registration Applications
  Before beginning your application, check with your employer to understand how they may support or participate in the process.
- Gathering Requirements
  Understand how to identify and collect the information and documents needed to complete filings in NMLS.
- Completing Pre-Licensure Education
  Understand the process for completing Pre-Licensure Education in pursuit of an individual NMLS license.
- Passing the SAFE MLO Test
  Understand the requirements and structure of the SAFE Mortgage Loan Originator (MLO) Test, and how to prepare for and schedule your exam.
  - Enrolling in the SAFE MLO Test
    Many state agencies require a passing score on the National Component with Uniform State Content and/or State Components of the SAFE MLO Test and completion of pre-licensure education prior to submitting the Individual (MU4) Form application for licensure.

Passing the SAFE MLO Test

Understand the requirements and structure of the SAFE Mortgage Loan Originator (MLO) Test, and how to prepare for and schedule your exam.

The SAFE MLO Test is a federally mandated exam that all mortgage loan originators must pass in order to obtain a state license. The test ensures applicants understand federal law, ethics, and standard mortgage practices.

The exam includes a National Component with Uniform State Content. You must pass this exam before applying for licensure in most states.

To prepare for and schedule your exam, review the MLO Education and Testing Guide. This handbook provides information about test enrollment, fees, ID requirements, exam content, study strategies, and rules for retaking the test if needed.

You should not schedule the SAFE MLO Test until you have completed your required pre-licensure education (PE).

Contact the NMLS Call Center with any questions: 1-855-665-7123
Monday - Friday from 9:00AM to 9:00PM ET
Available from all U.S. States and Territories.