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 UST Implementation Information

Detailed information for applicants and licensees who need to satisfy the SAFE MLO testing requirements and those who may be impacted by the implementation of the Uniform State Test (UST) is located on the UST Implementation Information page.  This page also has a current list of state agencies which have or will adopt the UST, and other details regarding the implementation of the UST.

 Getting Started: 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. 


 Test Enrollment Chart**


 Test Component Available for enrollment? Who is Eligible to Enroll? Test Requirement Met
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, or any candidate that has not yet met UST testing requirement. Meets National Test requirements for all state mortgage agencies. Also meets state-specific test requirements for state agencies that adopt the UST.
 State Test Component(s) Available for all states that have not adopted the UST. 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.


The Minnesota and West Virginia State Test Components of the SAFE MLO Test will no longer be offered or administered by NMLS effective September 1, 2018. Candidates who need assistance taking either of these two state tests should call the NMLS Call Center at 855-NMLS-123 (855-665-7123).​


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.

For step-by-step instructions for creating a test enrollment and accepting the Candidate Agreement, please refer to one of the following:



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.


 Test Feature Chart


Test Component # Items Test Length Appointment Length Cost
National Test with Uniform State Content

125 total;

115 scored

190 minutes 225 minutes $110
State Test Component(s)

55-65 total;

45-55 scored

90 minutes 120 minutes $69


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 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:

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 a test component, please review the Test Retake Policy.


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