An MLO has a currently valid passing SAFE MLO National Test with Uniform State Content result and applies for licenses in two states. Must the MLO pass that test again solely because of the second state?
Correct Answer
D) No: the valid passing result meets the SAFE test requirement; state licensing conditions remain
D. A valid passing result satisfies the test requirement without waiving other licensing conditions. The stem expressly preserves the result’s validity. NMLS distinguishes using one passing test for multiple states from satisfying the remaining requirements for each license. Scope and exceptions: This does not address an expired test result or guarantee license approval. Confirm each state’s applicable requirements before conducting business. Source: Questions on multi-state testing and result validity — https://mortgage.nationwidelicensingsystem.org/knowledge/products/nmls/pubs/testingHbk/education/mlo_testing/mlo_test_faq/mlo_testing_hbk_FAQ.html
Why This Is the Correct Answer
D. A valid passing result satisfies the test requirement without waiving other licensing conditions. The stem expressly preserves the result’s validity. NMLS distinguishes using one passing test for multiple states from satisfying the remaining requirements for each license. Scope and exceptions: This does not address an expired test result or guarantee license approval. Confirm each state’s applicable requirements before conducting business.
Why the Other Options Are Wrong
Option A: Yes: Uniform State Content applies only to the state selected at enrollment
Uniform State Content is not restricted to one chosen state in this manner.
Option B: No: passing also waives the second state's education and sponsorship requirements
The no-retest conclusion does not waive separate education or sponsorship conditions.
Option C: Yes: the new state requires a fresh test result dated within 12 months
The cited policy supplies no automatic twelve-month expiration triggered by the second state.
Exam Tip
A portable test result is only one part of a new state-license application.
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