MLO License Test FAQ: Your Guide to Passing Easily

Your most important resources will be the MLO Testing Handbook and the Content Outline. You can find both on the NMLS Resource Center—a site you’ll get to know well. With our help, navigating these resources and preparing for your exam is a breeze.

MLO License Test Frequently Asked Questions (FAQ)

Becoming a Mortgage Loan Originator is an exciting move, opening the door to incredible income potential and the freedom to build your business from anywhere. Answering these common questions is the first step to confidently starting on this lucrative path.

Q. How do I prepare and enroll to take the SAFE MLO Test?

A. Enrolling for the SAFE MLO Test is a simple online process through your NMLS account. For detailed preparation, the NMLS Resource Center provides an MLO Testing Handbook and a Content Outline, which are essential reading. Our fully NMLS-approved online education makes this even easier by including a free, comprehensive exam prep package designed to guide you directly to success. We are fully approved by the NMLS Nationwide Multi State Licensing System and Registry.

Q. What is the cost to take the SAFE MLO Test?

A. The SAFE MLO Test costs a flat fee of $110. This is a small, one-time investment to unlock a high-earning career where you control your schedule and income.

Q. Do I need to take a course prior to taking the test?

A. No, you are not required to complete a pre-licensure course before taking the test. However, you must complete at least 20 hours of NMLS-approved pre-licensure education to get your license. Taking our online course first is the easiest way to prepare, as it seamlessly integrates the knowledge you need with our free exam prep tools, setting you up for a first-time pass.

Q. Do I need to pass the SAFE MLO Test more than once if I want to be licensed in more than one state?

A. No, you only need to pass the SAFE MLO Test one time. A single passing score meets the testing requirement for all participating state agencies, making it incredibly easy to expand your business and work with clients across the country from the comfort of your home.

Q. For how long will my test result be valid?

A. Your passing test result is valid indefinitely as long as you maintain an active MLO license. If you fail to maintain a valid license for a period of five consecutive years or longer, you will be required to retake the test. This ensures that all active MLOs remain current with industry standards.

Logistics: Test Rules and Scheduling

Understanding the simple rules of the exam day makes the whole process stress-free. Here are more quick answers to get you ready.

Q. What is the length of the test?

A. The SAFE MLO Test is 190 minutes long, giving you plenty of time to thoughtfully answer each question without feeling rushed.

Q. How do I schedule my test?

A. The test is available at all Prometric test centers and via Online Proctored Testing, giving you the flexibility to test where and how it’s most convenient for you. This makes it easy for aspiring MLOs everywhere to get licensed.

Q. What if I need to cancel or reschedule my testing appointment?

A. You can easily cancel or reschedule your test online or by phone, but you must do so no later than 11:59 p.m. Eastern Time two calendar days before your appointment. Missing this deadline or failing to show up will result in losing your non-refundable enrollment fee.

Q. I’ve selected and paid for an enrollment window, but the enrollment period does not start right away. Why?

A. Normally, the window begins immediately. However, if you have recently failed the test, your new enrollment window will simply start after the required waiting period has passed.

Q. If I work for a Commercial Bank do I need to take the SAFE MLO Test?

A. If you work for an insured depository institution, you are generally not required to take the National Test. However, as a registrant, you are eligible to take it, and doing so is a great step toward future career flexibility.

What to Expect on Exam Day

Knowing exactly what to bring (and what to leave behind) makes exam day feel like just another simple step in your journey.

Q. What should I bring with me to the test center?

A. You must bring one form of current, government-issued identification that includes your photograph and signature. It is critical that the name on your ID exactly matches the name in your NMLS account.

Q. What am I allowed to bring into the test center?

A. No personal items are permitted inside the testing room. This includes phones, purses, wallets, and coats. All items must be secured in a locker upon arrival. This policy ensures a fair and secure exam for everyone.

Q. Can I bring a calculator and/or scratch paper into the test center?

A. No, you cannot bring your own. For in-person exams, the testing center provides a simple calculator and a white board for notes. For online proctored exams, a virtual calculator and scratchpad are included in the testing software. This streamlined approach means you have less to worry about on test day.

Q. Are we allowed to take restroom breaks during the test?

A. Yes, restroom breaks are permitted. However, the test clock does not stop during your break, so your total test time will be shortened. You are not allowed to access personal items like phones or notes from your locker during a break.

Understanding Your Score and Next Steps

The moment you finish the exam, you’re on your way. Here’s how scoring works and what to expect next as you launch your high-commission MLO career.

Q. How will the tests be scored?

A. The test is scored electronically, and in most cases, your pass/fail result appears on the screen immediately after you finish. A printed score report will be given to you before you leave. The official score will be posted to your NMLS record within approximately 72 hours.

Q. What score do I need to get to pass the test?

A. You must achieve a score of 75% or higher to pass the SAFE MLO Test. With the right preparation, this is a very achievable goal.

Q. Why are there un-scored questions on the test?

A. The exam includes a small number of “pre-test” questions that do not affect your score. These are pilot questions for future exams. You won’t know which ones are un-scored, so just answer every question to the best of your ability.

Q. What is the SAFE MLO Test pass rate?

A. The pass rate for the SAFE MLO Test is published and updated on the NMLS Resource Center. You can see detailed performance information there. Historically, passing on the first try can be challenging, which is why our integrated exam prep is designed to make it easy for you to succeed.

Q. I have a disability and need an accommodation for the test. What do I need to do?

A. In compliance with the Americans with Disabilities Act (ADA), reasonable testing accommodations are available. Please visit the Testing Accommodations page on the NMLS Resource Center for more information on how to make a request.

Q. What does it mean that my test has any Legislative Updates?

A. The mortgage industry is always evolving. As a candidate, you are responsible for staying aware of changes to laws and regulations, as they may appear on the test. This is great practice for a career where staying current is key to success and earning high commissions.

Our fully NMLS-approved online mortgage loan courses simplify this entire process. We provide the education you need in an easy-to-use online format and include our powerful exam prep package for free, giving you a clear and direct path to passing your MLO license test and starting a positive, high-income career. You can see the full BLS report on loan officer salaries to see the amazing potential that awaits.