Schedule Your SAFE Exam
The SAFE Mortgage Licensing Act requires all licensed Mortgage Loan Originators to pass a written test developed by NMLS. Each Loan Originator must take the National test component and a State specific test component in order to satisfy the SAFE test requirements in California.
Once a Mortgage Loan Originator has registered and paid for a test enrollment through NMLS, an appointment can be scheduled for the corresponding test. With SAFE testing deadlines already past, Mortgage Loan Originators are encouraged to schedule a test appointment soon after obtaining an enrollment. Appointments are scheduled on a first come, first serve basis. The sooner an appointment is scheduled, the greater the likelihood of finding a preferred testing date, location, and time.
Schedule Your Exam
For complete information about NMLS testing requirements and to schedule your exam, visit the Testing page of the NMLS Resource Center .
Federal and State Tests
Applicants must receive a passing score of 75% or better on both the National and California test.
- National Component (115 scored test questions – 10 unscored test questions) View Content Outline
- CA State Component (50 scored test questions – 10 unscored test questions) View Content Outline
You will be charged a test fee for each exam (National Component is $92; State Component is $69).
Announcement: California Agencies to Adopt UST SAFE MLO Test
The California Department of Business Oversight (CA-DBO) and the California Bureau of Real Estate (CA-BRE) will be adopting the National SAFE MLO Test Component with Uniform State Content effective January 1, 2016. These are the 48th and 49th state agencies that will no longer require a second state-specific test component to be taken by mortgage loan originators (MLOs) seeking licensure with its state agency. Learn more at Nationwide Mortgage Licensing System (NMLS).
We encourage you to contact one of our friendly Customer Service Representatives at 1-800-672-4665 with any questions.