The Uniform State Test (UST) for mortgage loan originators was launched by the Nationwide Mortgage Licensing System (NMLS) in April 2013. Prior to its launch, mortgage loan originators (MLOs) were required to complete a state-specific exam for every state he/she wished to conduct business in. There were originally 50+ state-specific exams developed by the NMLS and state agencies.
States now have the option to adopt the UST instead of administering a state-specific exam. The majority of states and US territories have adopted the UST, which tests MLO candidates on high level state-related content applicable to each state.
The UST is now a required component of the NMLS national test component – increasing the number of test questions from 100 to 125 to account for the additional topic area. Once an MLO passes the National Test with Uniform State Content, he/she will be compliant with testing requirements for all states that have adopted the UST as part of their licensing requirements. A stand-alone UST was available for a period of one year beginning April 1, 2013 and ending on March 31, 2014.
The National Test Component with Uniform State Content:
It includes the following topic areas:
To see the official test content outline released by the NMLS click here.
The UST portion of the exam includes topic areas such as:
If you are entering the mortgage lending business as a state-licensed loan originator in a state that has adopted the UST, you will be accountable for passing the Uniform State Test as a module within the national test. Once you’ve passed the new, 125-question test, you’ll have met the testing requirements for all states that have adopted the Uniform State Test.
If you’re getting ready to take the national test and need to prepare, or to get more information about the Uniform State Test, contact OnCourse Learning, formerly ProSchools today to find out how we can make it easy to get the education you need.