NMLS Mortgage Loan Originator
Free practice for the NMLS SAFE MLO National Test — the mortgage loan originator licensing exam. No employer sponsor is needed to take it. Original questions in English, 中文 and Español, covering the official content outline.
The SAFE MLO National Test is 120 questions (115 scored), 190 minutes, and you need 75% to pass. The first-time pass rate is only about 53% — and no employer sponsor is required to sit the exam.
▶ Practice questions
Learn by topic with instant explanations. Free, no signup.
🎯 Full timed mock exam
A 115-question, 190-minute simulation to test your readiness.
What the SAFE MLO exam covers
27%
Origination Activities
application (1003) · LE/CD timing · processing · underwriting · closing
24%
Federal Mortgage Laws
RESPA · TILA · TRID · ECOA · HMDA · BSA/AML · LO comp rule
20%
General Mortgage Knowledge
loan products · FHA/VA/USDA · LTV/DTI/PITI · ARMs · APR
18%
Ethics
fraud & red flags · fair lending · UDAAP · advertising
11%
Uniform State Content (SAFE Act)
SAFE Act · licensing · NMLS ID · CE/PE · discipline