States
MLO licensing requirements by state
The SAFE MLO National Test is the same everywhere. What changes by state is the regulator, any extra hours on top of the federal 20, and how the surety bond and application fee are set. Pick your state below for its regulator, its deviations from the shared order, and links to the dated matrix for the current numbers. We publish a state's page only after its regulator identity and deviations clear primary-source review, so new states appear here as they clear that check.
Primary-source verified, most recently 2026-07-29. Each state below carries its own verification date.
| State | Exam | Vendor | Fee | Details |
|---|---|---|---|---|
| Alabama | SAFE MLO National Test with UST (single national test) | NMLS | n/a | View |
| Alaska | SAFE MLO National Test with UST (single national test) | NMLS | n/a | View |
| Arizona | SAFE MLO National Test with UST (single national test) | NMLS | $350 | View |
| Arkansas | SAFE MLO National Test with UST (single national test) | NMLS | n/a | View |
| California | SAFE MLO National Test with UST (single national test) | NMLS | n/a | View |
| Colorado | SAFE MLO National Test with UST (single national test) | NMLS | n/a | View |
| Connecticut | SAFE MLO National Test with UST (single national test) | NMLS | n/a | View |
| Delaware | SAFE MLO National Test with UST (single national test) | NMLS | n/a | View |
| District of Columbia | SAFE MLO National Test with UST (single national test) | NMLS | n/a | View |
| Florida | SAFE MLO National Test with UST (single national test) | NMLS | n/a | View |
| Georgia | SAFE MLO National Test with UST (single national test) | NMLS | $200 | View |
| Hawaii | SAFE MLO National Test with UST (single national test) | NMLS | n/a | View |
| Idaho | SAFE MLO National Test with UST (single national test) | NMLS | n/a | View |
| Illinois | SAFE MLO National Test with UST (single national test) | NMLS | n/a | View |
| Indiana | SAFE MLO National Test with UST (single national test) | NMLS | n/a | View |
| Iowa | SAFE MLO National Test with UST (single national test) | NMLS | $50 | View |
| Kansas | SAFE MLO National Test with UST (single national test) | NMLS | n/a | View |
| Kentucky | SAFE MLO National Test with UST (single national test) | NMLS | n/a | View |
| Louisiana | SAFE MLO National Test with UST (single national test) | NMLS | n/a | View |
| Maine | SAFE MLO National Test with UST (single national test) | NMLS | n/a | View |
| Maryland | SAFE MLO National Test with UST (single national test) | NMLS | n/a | View |
| Massachusetts | SAFE MLO National Test with UST (single national test) | NMLS | n/a | View |
| Michigan | SAFE MLO National Test with UST (single national test) | NMLS | n/a | View |
| Minnesota | SAFE MLO National Test with UST (single national test) | NMLS | n/a | View |
| Mississippi | SAFE MLO National Test with UST (single national test) | NMLS | n/a | View |
| Missouri | SAFE MLO National Test with UST (single national test) | NMLS | n/a | View |
| Montana | SAFE MLO National Test with UST (single national test) | NMLS | n/a | View |
| Nebraska | SAFE MLO National Test with UST (single national test) | NMLS | n/a | View |
| Nevada | SAFE MLO National Test with UST (single national test) | NMLS | n/a | View |
| New Hampshire | SAFE MLO National Test with UST (single national test) | NMLS | n/a | View |
| New Jersey | SAFE MLO National Test with UST (single national test) | NMLS | n/a | View |
| New Mexico | SAFE MLO National Test with UST (single national test) | NMLS | n/a | View |
| New York | SAFE MLO National Test with UST (single national test) | NMLS | n/a | View |
| North Carolina | SAFE MLO National Test with UST (single national test) | NMLS | n/a | View |
| North Dakota | SAFE MLO National Test with UST (single national test) | NMLS | n/a | View |
| Ohio | SAFE MLO National Test with UST (single national test) | NMLS | n/a | View |
| Oklahoma | SAFE MLO National Test with UST (single national test) | NMLS | n/a | View |
| Oregon | SAFE MLO National Test with UST (single national test) | NMLS | $80 | View |
| Pennsylvania | SAFE MLO National Test with UST (single national test) | NMLS | n/a | View |
| Rhode Island | SAFE MLO National Test with UST (single national test) | NMLS | n/a | View |
| South Carolina | SAFE MLO National Test with UST (single national test) | NMLS | n/a | View |
| South Dakota | SAFE MLO National Test with UST (single national test) | NMLS | n/a | View |
| Tennessee | SAFE MLO National Test with UST (single national test) | NMLS | n/a | View |
| Texas | SAFE MLO National Test with UST (single national test) | NMLS | n/a | View |
| Utah | SAFE MLO National Test with UST (single national test) | NMLS | n/a | View |
| Vermont | SAFE MLO National Test with UST (single national test) | NMLS | n/a | View |
| Virginia | SAFE MLO National Test with UST (single national test) | NMLS | n/a | View |
| Washington | SAFE MLO National Test with UST (single national test) | NMLS | n/a | View |
| West Virginia | SAFE MLO National Test with UST (single national test) | NMLS | n/a | View |
| Wisconsin | SAFE MLO National Test with UST (single national test) | NMLS | n/a | View |
| Wyoming | SAFE MLO National Test with UST (single national test) | NMLS | n/a | View |
Prefer the ordered step-by-step wizard instead of a table? Try the state-steps wizard. To see the dollar picture, use the cost breakdown tool, and to see whether the whole path pays off, run the is-it-worth-it calculator.