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Updated: Oct 24, 2026
No. of Questions: 232 Questions & Answers with Testing Engine
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NMLS MLO Exam Overview:
| Certification Vendor: | NMLS (Nationwide Multistate Licensing System) |
|---|---|
| Exam Name: | SAFE Mortgage Loan Originator National Exam with Uniform State Content |
| Exam Number: | SAFE-MLO |
| Exam Price: | $110 USD |
| Real Exam Qty: | 120 (115 scored, 5 unscored) |
| Available Languages: | English |
| Certificate Validity Period: | 2 years |
| Passing Score: | 75% |
| Exam Duration: | 190 minutes |
| Exam Format: | Multiple choice, Computer-based |
| Recommended Training: | NMLS Approved Education Providers |
| Exam Registration: | NMLS Testing Portal |
| Sample Questions: | NMLS MLO Sample Questions |
| Exam Way: | In-person at Prometric test centers or online proctored |
| Pre Condition: | Complete 20 hours of NMLS-approved pre-licensing education; background check and fingerprinting required |
| Official Syllabus URL: | https://mortgage.nationwidelicensingsystem.org/safe-act-testing |
NMLS MLO Exam Syllabus Topics:
| Section | Weight | Objectives |
|---|---|---|
| Topic 1: Mortgage Loan Origination Activities | 27% | - Loan application process - Loan programs and product types - Borrower qualification and underwriting basics - Closing and post-closing procedures |
| Topic 2: General Mortgage Knowledge | 20% | - Mortgage terms, concepts and calculations - Fixed-rate vs adjustable-rate mortgages - LTV, DTI, CLTV, PMI, points and fees - Conventional, FHA, VA, USDA loan characteristics |
| Topic 3: Uniform State Content | 11% | - License maintenance and renewal - State licensing and regulatory requirements - Compliance and disciplinary standards |
| Topic 4: Ethics | 18% | - Fraud prevention and detection - Ethical practices and professional conduct - Conflict of interest and disclosure obligations - Fair lending and anti-discrimination |
| Topic 5: Federal Mortgage-Related Laws | 24% | - Disclosure requirements and timing - Fair lending and consumer protection rules - TILA, RESPA, ECOA, HMDA, FCRA - SAFE Act and federal regulatory framework |
NMLS Mortgage Loan Origination (SAFE MLO) Sample Questions:
Which of the following does a higher-priced mortgage require if the seller acquired the home 90 days or fewer prior to the date of the purchase contract and the sales price exceeds the seller's acquisition price by more than
10%?
- A. Two written appraisals and one automated valuation model
- B. One written appraisal and one broker price opinion
- C. One written appraisal only and one automated valuation model
- D. Two written appraisals only
Correct Answer: D 🗳️
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Under the TILA-RESPA Integrated Disclosure rule (TRID), what is the minimum time period that must pass between a borrower's receipt of a Loan Estimate and the closing of a mortgage loan?
- A. 7 business days
- B. 45 calendar days
- C. 15 business days
- D. 30 business days
Correct Answer: A 🗳️
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Which of the following acts requires mortgage loan originators to complete annual continuing education to satisfy the requirement for licensure?
- A. The Dodd-Frank Act
- B. The SAFE Act
- C. The Truth in Lending Act (TILA)
- D. The Equal Credit Opportunity Act
Correct Answer: B 🗳️
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A written agreement guaranteeing a specific rate is called:
- A. A loan application
- B. A preapproval letter
- C. A lock-in agreement
- D. An intent to proceed agreement
Correct Answer: C 🗳️
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When providing documents to a state regulator regarding a consumer complaint that was submitted to the state regulator, a licensed company should:
- A. Send the documents by U.S. mail rather than electronically for privacy reasons.
- B. Redact any names and personal information before providing the documents for privacy reasons.
- C. Provide the documents along with the company's explanation of what caused the complaint.
- D. Contact the consumer to get their authorization to provide documents to the regulator.
Correct Answer: C 🗳️
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