How much does it cost to take the MLO license exam?
The Secure and Fair Enforcement for Mortgage Licensing (SAFE) mortgage loan originator (MLO) license exam costs $110 per attempt.
The SAFE MLO National Test Component costs $110, and you must score at least 75% to pass. If you fail, you may retake the test three consecutive times, with each retake at least 30 days after the preceding test. After failing three consecutive tests, you must wait at least six months before testing again.
Sources: NMLS: Processing Fees; Alabama Banking Dept: SAFE Mortgage Licensing Act text (PDF) — Code of Ala. Title 5, Chapter 26.
The SAFE MLO National Test costs $110 per attempt in Arizona. Arizona statute directs the deputy director to set the exam fee consistent with NMLS requirements, and when testing is contracted to a vendor, the fee is payable directly to that vendor. Each retake requires a new fee, with at least 30 days between attempts.
Sources: NMLS: Processing Fees; NMLS: FAQs on S.2155 Temporary Authority to Operate.
The SAFE MLO test costs $110 for the National Component, which is the only exam Arkansas requires. The national test includes Uniform State Content (11% of the exam), so it satisfies Arkansas's state testing requirement and no separate Arkansas exam fee applies.
Sources: NMLS: Processing Fees (Reference Guide).
The SAFE MLO test national component costs $110. NMLS charges this fee when you schedule the test, and credit card payments carry an added 2.5% service fee while ACH payments carry none. You must score at least 75% to pass.
Sources: NMLS: Processing Fees.
The SAFE MLO test costs $110 per attempt, and the fee applies to each retake. If you fail, you must wait at least 30 days before retesting, and after three consecutive failed attempts you must wait 6 months before trying again.
Sources: NMLS: Processing Fees; NMLS: FAQs on S.2155 Temporary Authority to Operate; CFPB Regulation H 12 CFR 1008.105: Minimum loan originator license requirements.
The SAFE Mortgage Loan Originator Test (National Component with Uniform State Content) costs $110. Georgia requires a passing score of 75 or higher on this test for an MLO license.
Sources: NMLS: Processing Fees.
The National Component of the SAFE MLO Test costs $110, per the Nationwide Multistate Licensing System (NMLS) fee schedule. Louisiana accepts the Stand-alone Uniform State Test (UST) component in place of a separate state exam, so the national test is the only exam fee most Louisiana applicants pay.
Sources: NMLS (Nationwide Multistate Licensing System) — Processing Fees / SAFE MLO Test Fee Schedule.
The SAFE MLO Test costs $110 for the national component with Uniform State Content. You pay the enrollment fee through your Nationwide Multi-State Licensing System (NMLS) account, then schedule the exam at a Prometric test center or by calling 1-877-671-6657. Massachusetts charges no additional state test fee.
Sources: NMLS — Fee Schedule for the SAFE MLO Test Administration and Education Services (corroborated by NMLS Processing Fees page and 2024 NMLS Processing Fee Review).
The SAFE MLO Test National Component costs $110, per the NMLS processing fee schedule as of October 2026. Missouri uses this single national test with Uniform State Content, so there is no separate Missouri exam fee. Paying by credit card adds a 2.5% service fee, while ACH payments carry no additional charge.
Sources: NMLS: Processing Fees.
The SAFE MLO exam costs $110, paid when you schedule the test. The passing score is 75%, and if you fail you must wait 30 days before retaking. The required wait before another attempt increases after repeated failed attempts.
Sources: NMLS Schedule of Fees (Nationwide Multistate Licensing System); Va. Code § 6.2-1714. Annual fees.