Question 1

Who administers the SAFE Mortgage Loan Originator Test with Uniform State Content (National Test Component)?

Accepted Answer

Nationwide Multistate Licensing System (NMLS), operated by the State Regulatory Registry LLC for the Conference of State Bank Supervisors — exam delivered by Prometric

NMLS states the test is available at all Prometric test centers. Prometric's own NMLS page could not be read — it returned HTTP 403 — so the vendor is confirmed from NMLS's side only.

Source: NMLS — SAFE MLO Testing Frequently Asked Questions (2026-09-03)

Question 2

How many questions are on the SAFE Mortgage Loan Originator Test with Uniform State Content (National Test Component)?

Accepted Answer

120 questions (115 scored, 5 unscored pretest). The 75% pass standard applies to the 115 scored items only.

Question 3

How long is the SAFE Mortgage Loan Originator Test with Uniform State Content (National Test Component)?

Accepted Answer

190 minutes. The test itself is 190 minutes; the appointment booked at the test center is 225 minutes, which includes the tutorial and survey.

Question 4

What is the passing score for the SAFE Mortgage Loan Originator Test with Uniform State Content (National Test Component)?

Accepted Answer

75%. A single overall cut score. NMLS publishes no sectional or per-content-area cut score.

Question 5

How much does the SAFE Mortgage Loan Originator Test with Uniform State Content (National Test Component) cost?

Accepted Answer

$110 — SAFE MLO Test enrolment (national component), non-refundable (NMLS (State Regulatory Registry LLC), per attempt)
$36.25 — Criminal background check (Livescan), charged at each new license application (NMLS, one-time) Source
$15 — Credit report, charged at a new license application when NMLS holds none under 30 days old (NMLS, one-time) Source

State license fees are set by each state agency and are not included here. Most states also add state-specific pre-licensure education hours on top of the 20 NMLS-approved hours required before a license application; no course is required before sitting the test itself.

Source: NMLS — Processing Fees (2026-09-03)

Question 6

What languages is the SAFE Mortgage Loan Originator Test with Uniform State Content (National Test Component) offered in?

Accepted Answer

Not published by NMLS. NMLS publishes no statement of examination language anywhere we could find. The Testing FAQ, the Testing Handbook overview and test specifications, and the pre-licensure education FAQ were read in full and searched for “language”, “English” and “Spanish” with no result. PrepPass therefore states no language for this exam.

Administering body	Nationwide Multistate Licensing System (NMLS), operated by the State Regulatory Registry LLC for the Conference of State Bank Supervisors — exam delivered by Prometric NMLS states the test is available at all Prometric test centers. Prometric's own NMLS page could not be read — it returned HTTP 403 — so the vendor is confirmed from NMLS's side only. Source: NMLS — SAFE MLO Testing Frequently Asked Questions (2026-09-03)
Questions	120 questions (115 scored, 5 unscored pretest) The 75% pass standard applies to the 115 scored items only. Source: NMLS — MLO Testing Handbook, 1.0 Overview and Test Specifications (2026-09-03)
Time limit	190 minutes The test itself is 190 minutes; the appointment booked at the test center is 225 minutes, which includes the tutorial and survey. Source: NMLS — SAFE MLO Testing Frequently Asked Questions (2026-09-03)
Passing score	75% A single overall cut score. NMLS publishes no sectional or per-content-area cut score. Source: NMLS — SAFE MLO Testing Frequently Asked Questions (2026-09-03)
Fees	$110 — SAFE MLO Test enrolment (national component), non-refundable (NMLS (State Regulatory Registry LLC), per attempt) $36.25 — Criminal background check (Livescan), charged at each new license application (NMLS, one-time) Source $15 — Credit report, charged at a new license application when NMLS holds none under 30 days old (NMLS, one-time) Source State license fees are set by each state agency and are not included here. Most states also add state-specific pre-licensure education hours on top of the 20 NMLS-approved hours required before a license application; no course is required before sitting the test itself. Source: NMLS — Processing Fees (2026-09-03)
Languages offered	Not published by NMLS NMLS publishes no statement of examination language anywhere we could find. The Testing FAQ, the Testing Handbook overview and test specifications, and the pre-licensure education FAQ were read in full and searched for “language”, “English” and “Spanish” with no result. PrepPass therefore states no language for this exam. What we read and found nothing in: NMLS — SAFE MLO Testing Frequently Asked Questions (2026-09-03) · NMLS — MLO Testing Handbook, 1.0 Overview and Test Specifications (2026-09-03) · NMLS — Pre-Licensure Education Frequently Asked Questions (2026-09-03)

SAFE Mortgage Loan Originator Test with Uniform State Content (National Test Component) — exam facts

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