The MLO Testing Handbook is a comprehensive guide for the SAFE MLO Test. Use this handbook to find test specifications, enrollment procedures, scheduling, rescheduling and cancelling appointments, testing accommodations, preparing for the test, test day procedures, retaking and waiting period for failed attempts, and test expiration. Select a topic below to find out more.
1.0 Overview and Test Specifications
This chapter includes basic information about the SAFE MLO Test, including background, length, and cost.
2.0 Test Enrollment Procedures (NMLS)
This chapter details how individuals can register and pay for the SAFE MLO Test.
3.0 Schedule a Test Appointment
This chapter details how companies and individuals can schedule the SAFE MLO Test at a Test Center and via Online Proctored Testing.
4.0 Appointment Cancellation and Rescheduling
This chapter includes information about making changes to SAFE MLO Test appointments, including weather cancellations and complimentary test enrollments.
5.0 Testing Accommodations
This chapter outlines how SAFE MLO Test candidates can request testing accommodations.
6.0 Preparing for the Test
This chapter covers what topics will be on the SAFE MLO Test and how legislative updates impact test material.
7.0 Test Day
This chapter details what to expect during the SAFE MLO Test Administration, including check-in procedures, security and codes of conduct, and test navigation.
8.0 Test Center Policies
This chapter details Prometric test center policies.
9.0 Test and Survey Results
This chapter outlines what happens after the SAFE MLO Test is completed, including score calculations, official test results, test score reports, and how to submit a test content challenge.
10.0 Retaking a Failed Test/ Waiting Period
This chapter details the required waiting periods between failed test attempts.
11.0 Test Expiration
This chapter covers when test results expire.
Appendix B: Sample Test Questions
This section of the Appendix contains ten (10) sample questions to help prepare for the MLO tests. These questions are similar to those that may be included on the National Test. The answers to the questions are located in the table at the end of this section.
Candidate Agreement
NATIONWIDE MORTGAGE LICENSING SYSTEM (NMLS) SAFE MORTGAGE LOAN ORIGINATOR TEST CANDIDATE TEST SECURITY AND CONFIDENTIALITY AGREEMENT
Find answers to common questions about the SAFE MLO Test, online proctored test delivery, and test expiration.
Many MLO licensing agencies have unique state specific education requirements. Find the pre-licensing education (PE) and continuing education (CE) requirements for each state agency, including state specific education hours, PE expiration, CE deadlines, and other unique requirements.
Alabama
State PE and CE Requirements for MLOs
Alaska
State PE and CE Requirements for MLOs
Arizona
State PE and CE Requirements for MLOs
Arkansas
State PE and CE Requirements for MLOs
California - Department of Financial Protection and Innovation
CA DFPI PE and CE Requirements for MLOs
California – Department of Real Estate
CA DRE PE and CE Requirements for MLOs
Colorado
State PE and CE Requirements for MLOs
Connecticut
State PE and CE Requirements for MLOs
Delaware
State PE and CE Requirements for MLOs
District of Columbia
State PE and CE Requirements for MLOs
Florida
State PE and CE Requirements for MLOs
Georgia
State PE and CE Requirements for MLOs
Guam
State PE and CE Requirements for MLOs
Hawaii
State PE and CE Requirements for MLOs
Idaho
State PE and CE Requirements for MLOs
Illinois
State PE and CE Requirements for MLOs
Indiana - DFI
Indiana - DFI PE and CE Requirements for MLOs
Indiana - SOS
Indiana - SOS PE and CE Requirements for MLOs
Iowa
State PE and CE Requirements for MLOs
Kansas
State PE and CE Requirements for MLOs
Kentucky
State PE and CE Requirements for MLOs
Louisiana
State PE and CE Requirements for MLOs
Maine
State PE and CE Requirements for MLOs
Maryland
State PE and CE Requirements for MLOs
Massachusetts
State PE and CE Requirements for MLOs
Michigan
State PE and CE Requirements for MLOs
Minnesota
State PE and CE Requirements for MLOs
Mississippi
State PE and CE Requirements for MLOs
Missouri
State PE and CE Requirements for MLOs
Montana
State PE and CE Requirements for MLOs
Nebraska
State PE and CE Requirements for MLOs
Nevada
State PE and CE Requirements for MLOs
New Hampshire
State PE and CE Requirements for MLOs
New Jersey
State PE and CE Requirements for MLOs
New Mexico
State PE and CE Requirements for MLOs
New York
State PE and CE Requirements for MLOs
North Carolina
State PE and CE Requirements for MLOs
North Dakota
State PE and CE Requirements for MLOs
Ohio
State PE and CE Requirements for MLOs
Oklahoma
State PE and CE Requirements for MLOs
Oregon
State PE and CE Requirements for MLOs
Pennsylvania
State PE and CE Requirements for MLOs
Puerto Rico
State PE and CE Requirements for MLOs
Rhode Island
State PE and CE Requirements for MLOs
South Carolina BFI
South Carolina BFI PE and CE Requirements for MLOs
South Carolina DCA
South Carolina DCA PE and CE Requirements for MLOs
South Dakota
State PE and CE Requirements for MLOs
Tennessee
State PE and CE Requirements for MLOs
Texas-OCCC
Texas-OCCC PE and CE Requirements for MLOs
Texas - SML
Texas - SML PE and CE Requirements for MLOs
Utah - DFI
Utah - DFI PE and CE Requirements for MLOs
Utah - DRE
Utah - DRE PE and CE Requirements for MLOs
Vermont
State PE and CE Requirements for MLOs
Virgin Islands
State PE and CE Requirements for MLOs
Virginia
State PE and CE Requirements for MLOs
Washington
State PE and CE Requirements for MLOs
West Virginia
State PE and CE Requirements for MLOs
Wisconsin
State PE and CE Requirements for MLOs
Wyoming
State PE and CE Requirements for MLOs
Satisfy MLO education requirements by registering and completing NMLS approved courses with an NMLS approved course provider to satisfy MLO education requirements. Find a list of NMLS approved course providers, understand your education record in NMLS, and satisfy the CE requirement from a prior year using the Late CE Course Catalog.
NMLS Approved Course Provider List
Register and complete NMLS approved education with an NMLS approved course provider. NMLS approved providers are the only entities authorized to deliver courses for MLO licensing.
Education Record
View the Education Record in your NMLS account to verify the course(s) you completed was reported, confirm your education compliance, and find pending requirements.
Late CE Course Catalog
Need to satisfy a CE requirement from a past year? If yes, you are in the right place. This catalog is used for MLOs who have been instructed by a state regulator to make up CE.
Find answers to the most common education related questions.
Education FAQ - Late CE
Make-up CE for previous year.
The Mortgage Testing and Education Board (MTEB) has approved Rules of Conduct which cover test takers, education students, and Standards of Conduct which cover course providers. It has also approved Administrative Action Procedures which prescribe how possible violations and investigations will be managed.
Administrative Action Procedures for SAFE Act Education Requirements NMLS Approved Course Providers
Provides the policies and processes by which investigations will be conducted in the event and describes the rights persons and organizations have should they become the subject of an investigation by SRR or MTEB.
Administrative Action Procedures for Test Takers and Education Students
Provides the policies and processes by which investigations will be conducted in the event and describes the rights persons and organizations have should they become the subject of an investigation by SRR or MTEB.
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