SAFE MLO: which version are you taking
These are the dates NMLS publishes for SAFE MLO, each with the owner page and the day we read it. Where the owner states no date, the page says so. Check the owner page before you book.
We could not confirm which languages this exam is offered in. Check the owner's page before you book.
Owner: NMLS; delivered by Prometric · Read: · Source: MLO Testing Handbook (NMLS)
Dated rules from NMLS
180-day enrollment window
When your test enrollment is paid and processed, a 180-day window opens. In that time you must accept the Candidate Agreement, schedule and take the test, or the window closes. The test fee is $110, and enrollment fees are not refundable or transferable.
In force as published · Owner: NMLS · Last read: · Source: NMLS MLO Testing Handbook, chapter 2
How long a passing score lasts
A passed SAFE MLO Test expires if you go five consecutive years without a valid license or active federal registration. Under the SAFE Act, time spent as a registered loan originator is not counted against you.
In force as published · Owner: NMLS · Last read: · Source: NMLS test expiration policy
What our question bank follows today
We have not published a note on which outline this bank follows.
Questions are AI-drafted and checked against primary sources by our process. No licensed professional has reviewed them.
What happens to practice access when a new version ships
We have not decided, so this page states no policy and makes no promise about it. It lists only what NMLS publishes and what our bank follows today. When a policy exists it will be written here with the date.
See also all exam change dates, what the exam costs over three years and the test-day sheet.
Free SAFE MLO practice is on its practice page, with right or wrong on every answer. The full analysis is $39 once, with a 30-day full refund. Open SAFE MLO practice.
DecipherU is not affiliated with, endorsed by or sponsored by NMLS. Names and marks belong to their owners. This page is a plain-language summary of public pages, not their own text and not advice.
Verify fees, deadlines and requirements with the issuing authority before you rely on them. Rules change, and this page may be out of date.
Educational information only. It is not professional, legal, financial, medical or licensing advice.