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%
Hoạt động cấp khoản vay
application (1003) · LE/CD timing · processing · underwriting · closing
24%
Luật vay thế chấp liên bang
RESPA · TILA · TRID · ECOA · HMDA · BSA/AML · LO comp rule
20%
Kiến thức vay thế chấp chung
loan products · FHA/VA/USDA · LTV/DTI/PITI · ARMs · APR
18%
Đạo đức
fraud & red flags · fair lending · UDAAP · advertising
11%
Nội dung tiểu bang thống nhất (SAFE)
SAFE Act · licensing · NMLS ID · CE/PE · discipline