As of January 1, 2014, 39 state mortgage agencies have replaced their state-specific test components with the adoption of the Uniform State Test (UST).  The other 19 agencies may elect to adopt the UST at a future date, but are not required to do so.  By passing the National Test with Uniform State Content or the Stand-alone UST, a candidate can satisfy the testing requirements for licensure in those adopting states, and any states that adopt in the future.  To see which states have adopted the UST visit the UST Adoption Map and Table posted on the NMLS Resource Center.

If there is any chance that a currently-licensed Mortgage Loan Originator (MLO) would ever seek licensure in additional states, it is in the MLO’s best interest to enroll for the Stand-alone UST while it is still available.   The Stand-alone UST consists of only 25 test questions and the score on those questions is combined with the MLO’s existing National Test score.  A candidate must correctly answer a total of 87 of the 115 scored questions from the National plus the Stand-alone UST to obtain the required 75% passing score.  Statistically, if the MLO had previously scored high enough on the National Test, they should be able to pass the Stand-alone portion with little effort.  The cost is $33 and enrollment must be completed on or before March 31, 2014.

After March 31, 2014, the Stand-alone UST will be retired and the only way to take the UST component will be in conjunction with the National Test.  If a candidate misses the window to enroll for the Stand-alone UST, and later decides to seek licensure in an additional state that has adopted the UST, the cost would be $110 and that candidate would have to also re-take the National portion of the test.