News Regarding the SAFE MLO Test

Information you should know and can share with students regarding the test:

–          The National Content Outline has been updated to include a National Component Reference List.  Please consult the outline and note the references when preparing courses on federal law, ethics, and non-traditional mortgage lending.  The National Test Component Outline, along with all of the state test component outlines, are available at:

–          Questions have come up regarding the test retake policy, specifically the number of times an MLO can take the test before they need to wait six months before taking it again.  The question arises because of the language used in the SAFE Act.  NMLS has an official policy regarding the number of times an individual can take the test before having to wait, which has been shared with HUD as part of the CSBS/AARMR response to HUD’s proposed rules. The policy can be found at

–          One of the most frequently asked questions received by the NMLS call center is “how do I register for the test?”  If you receive this question, please inform MLOs that they need to login to NMLS, enroll and pay for one or both components of the SAFE MLO test, and then schedule a test appointment.  MLOs should not go directly to Pearson VUE or Prometric to pay for the test. Specific details are in the MLO Testing Handbook which can be found on at

–          The pass rate for the National Component of the test through the end of February was 68%; the aggregate pass rate for the State Components was 73%.

–          New Test Components: on February 22, tests were released for CA, CO, IN, TN, and UT.  On March 12th, test enrollments will open and content outlines are now available for CT, IL, OH, OK and ND.

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