United States
Hong KongNMLS Exam Cost
The SAFE MLO test enrollment fee is USD 110 per attempt.
- A retake requires a new enrollment fee.
- The 20-hour NMLS-approved pre-licensure course, state application, background check, and credit report are separate licensing costs.
On this page4 sections
The SAFE MLO test costs USD 110 each time you enroll. The exam fee is separate from the expenses for meeting state licensing requirements.
| Cost | Amount or status | When it applies |
|---|---|---|
| SAFE MLO exam enrollment | USD 110 per attempt | Paid through NMLS for each attempt |
| 20-hour pre-licensure education | Separate course price | Required for licensure, not part of the test fee |
| Background check and credit report | Separate charges | Part of the state license application process |
| State application and related fees | Varies by jurisdiction | Set by the regulator and application path |
What the USD 110 fee covers
NMLS charges USD 110 for each test enrollment. The enrollment window is 180 days, during which you schedule an open appointment through Prometric. The fee is not a package that includes the education, background review, credit report, or the fees charged by a state regulator.
Check the amount shown in your NMLS account before you pay. For registration steps, see how to register for the NMLS exam and how the enrollment window works.
What a retake costs
Each retake requires a new USD 110 enrollment fee. NMLS waiting periods apply after an unsuccessful attempt: 30 days after the first and second failures, and 180 days after three consecutive failures. Read the current retake rules before booking another attempt.
A missed or late-canceled appointment may also result in losing the fee under Prometric and NMLS rules. Review the current cancellation terms shown during scheduling and in your appointment confirmation; the details can depend on the notice period and appointment type.
The license has separate costs
The exam is only one part of becoming licensed. NMLS-approved pre-licensure education is generally 20 hours, and its price depends on the provider. A state application can involve licensing fees, fingerprinting, and a credit report. Requirements and costs vary by jurisdiction, so use the state regulator's current fee schedule rather than applying one national total.
The 20-hour course is a licensing requirement; Sitonce's exam-preparation product is not an NMLS-approved course and does not satisfy it. Learn about the separate 20-hour education requirement and what comes after passing the test.
Practice before paying for an attempt
A paid attempt is not a substitute for practice. Use a timed mock to learn the pace, then study the content areas where your answers are weakest. NMLS offers official information about test format and policies; Sitonce also has a free SAFE MLO mock exam and a full preparation course.
Sitonce is independent and is not affiliated with or endorsed by NMLS, CSBS, or the State Regulatory Registry LLC. Confirm current exam enrollment fees and licensing costs with NMLS and your state regulator.
Common questions
How much does the NMLS exam cost?
The SAFE MLO test enrollment fee is USD 110 per attempt.
How much is an NMLS exam retake?
A retake requires a new enrollment and costs USD 110 per attempt under the current fee listed by NMLS.
Does the NMLS exam fee include the 20-hour course?
No. The course is a separate licensing requirement and is purchased from an approved education provider.
What other costs should I budget for?
Licensing may involve the education course, state application fees, fingerprinting, and a credit report. Amounts vary by jurisdiction and provider.
Can I practice before paying the exam fee?
Yes. NMLS provides official candidate information, and Sitonce offers a free timed mock exam.