Retired exam
NMLS retired STATE-MLO on 2013-04-01. National Test with UST is the named replacement path.
No direct replacement is named in the reviewed official sources.
The SAFE MLO Test — State Component, certified by NMLS, covered state licensing laws, state mortgage laws, and state-specific regulatory requirements for aspiring mortgage professionals. This particular examination is officially retired as of 2013-04-01. Its verified successor is National Test with UST, which serves as the required replacement pathway for all candidates seeking proper licensing credentials today. Candidates must understand that this specific exam is no longer available for registration or completion, as the industry has transitioned to a unified testing model to ensure consistent standards across all jurisdictions for mortgage loan originators.
Individuals seeking mortgage loan originator licensing who must complete state-specific educational and testing requirements. Because this particular examination is retired, all candidates should pursue the National Test with UST instead to satisfy their professional licensing obligations.
Direct your preparation toward the National Test with UST rather than focusing on this retired examination format. Study current mortgage rules, detailed regulatory requirements, and statutory guidelines for state compliance to ensure familiarization with the required testing material before your exam date and schedule. Candidates should prioritize reviewing the official NMLS handbook to align their study habits with the current testing expectations and the 75% passing score requirement for all components.
This domain covers statutory frameworks regarding state licensing laws for mortgage loan originators, ensuring all candidates understand the legal parameters required by individual regulatory bodies across different jurisdictions during their professional practice and career.
This domain focuses on state mortgage laws governing various lending practices, consumer protection rules, and compliance standards that mortgage professionals must follow during daily operations within the industry to maintain their active status.
This domain addresses unique state-specific requirements for mortgage originators operating within individual jurisdictions, detailing localized statutes, regional mandates, and compliance obligations required for proper credentialing and licensing in the modern mortgage environment.
The established passing score is a percentage of 75% which is strictly required for all SAFE MLO test components to demonstrate adequate competency before receiving any professional mortgage licensing credentials in the industry.
The price is $69 USD in addition to the national component known as UST, and this specific fee payment is required in some states for proper registration and processing of your licensing application.
The exam is officially retired as of 2013-04-01, with National Test with UST currently serving as the verified successor for all licensing candidates seeking to enter the mortgage industry and obtain professional credentials.
Testing follows a linear format administered through Pearson VUE in-person testing centers or convenient OnVUE online proctored options depending on the preference of the individual candidate seeking to complete their required mortgage certification.
Verified 2026-08-30
This informational page was constructed using official NMLS certification data, federal regulatory guidelines, and historical examination documentation to provide accurate context regarding the retirement of the state component and the current successor requirements.