For mortgage loan originator candidates taking the SAFE Mortgage Loan Originator Test (National Test with Uniform State Content)

SAFE MLO Test: find your weakest content area

Free SAFE MLO Test practice: 10 questions, answers explained as you go, score by domain.

Full course $99: 316 practice questions, each explained. See the course

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Question 1 of 10 · free checkUntimed

General Mortgage Knowledge

What is the longest loan term a general qualified mortgage may have under Regulation Z?

Press A-D or 1-4 to choose an answer while this question is on screen.

Choose an answer to begin

Practice all five content areas with the free 10-question check, explained as you answer it, and see which area to study first.

Every question is original and written to NMLS's published content outline.

How it works

  1. Answer 10 questions, freeUntimed. Check each answer to see why it's right, with a hint where one helps.
  2. See your score by domainBroken down by outline domain, with your weakest one named.
  3. Study what you missedAdd your email and exam date for a study plan, or practice at exam pace.

    Want exam pace? Take the 25-question practice test (about 40 minutes)

The SAFE MLO Test course

Available now · instant access

Learn all five content areas, then prove it on timed practice exams.

  • 10modules of lessonsEvery task on the outline
  • 2full-length timed exams120 questions in 190 minutes each
  • 316practice questionsEach one explained
  • 1week-by-week study planSet to your exam date

Lock, your AI study assistant, comes with the SAFE MLO Test course: a week-by-week plan from your exam date and weak areas, step-by-step walk-throughs and a weak-spot quiz. Up to 40 messages a day.

  • My study plan: a week-by-week course from your exam date and weak areas, with today's set ready. Lose a week and I re-plan it
  • Stuck on a question? Tap Walk me through it, Explain like I'm new or Show a worked example
  • A quiz on your weak spots, your misses back on a spaced review, and explain it back to me to lock it in
  • After 30 answers, I show you the patterns in your misses and a practice set for each one
  • Exam week: a day-by-day plan for your last 7 days
See all 10 modules
  1. RESPA and Regulation X
  2. ECOA, TILA, HOEPA and MLO compensation
  3. TRID: the Loan Estimate and Closing Disclosure
  4. Other federal laws and the regulators
  5. The SAFE Act and the model state law
  6. Mortgage programs and loan products
  7. Mortgage industry terms
  8. Application, verification and disclosure timing
  9. Qualification, underwriting, closing and loan math
  10. Ethics, fraud and fair lending
SAFE MLO Test course$99Get the SAFE MLO Test course · $99

Instant access. Terms and refunds · Secure checkout by Stripe · Billed by Nori Software

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Every answer comes with a full explanation.

AI study assistant

Ask Lock why an answer is right

AI study assistant

Lock AI

Lock is your AI study assistant. Answer a question, then ask Lock why.

Example

Why is that one wrong?

LockI'll show you why the right answer works, why each other option falls short, and where to look it up.

Example of how I explain. Answer question 1, then tap Ask Lock why. 3 free asks, 10 more with your email. I'm AI, so check important details against your references. Meet Lock

Answer question 1, then ask me why

Free SAFE MLO Test study plan

A week-by-week plan from today to your exam, weighted to the published exam outline. We show it here and email you a copy.

Exam at a glance

Format
120 questions in 190 minutesBook: Closed book: no books, papers or reference materials in the test room
Delivery
Prometric test centers and Prometric online proctoring (ProProctor)
Exam fee (not paid to us)
$110 per enrollment, paid through NMLS; NMLS does not give the fee back and it cannot be transferred
Retakes
30 calendar days after the first and second failures, then 180 calendar days after every third failure, and the cycle repeats. Each attempt needs a new paid enrollment. A passed test cannot be retaken.

What it covers

Federal Mortgage Related Laws24%
Uniform State Content11%
General Mortgage Knowledge20%
Mortgage Loan Origination Activities27%
Ethics18%

The free 10-question check follows these domains, subject to the available practice questions.

SAFE MLO Test prep FAQ

How long is the free check?

The free check has 10 practice questions, is untimed and takes about 16 minutes. You see the answer and explanation after each one. It is a short study check, not a stand-in for the 190-minute test.

What does the free check cover?

All five content areas on the NMLS outline, weighted the way the test is: federal mortgage law, uniform state content, general mortgage knowledge, loan origination activities and ethics. Origination and federal law are about half the test, so they are about half the check too.

Is the check free?

Yes. You can start the check and see your score and content-area breakdown for free, with no signup or payment.

Where does the practice content come from?

These are original practice questions written to the published NMLS content outline and the federal rules it lists. We never use real or recalled test items. Each explanation names the rule it rests on.

Does this replace my 20 hours of pre-licensure education?

No. Every state requires at least 20 hours of pre-licensure education from a provider NMLS lists, and this is not that course. It is practice for the SAFE MLO Test itself. You can take the test before or after your hours.

What should I know before test day?

The test has 120 multiple-choice questions in 190 minutes, and 75% passes. It is closed book. The test center gives you a basic calculator and a wipe board, and breaks run on the clock. Bring a current government photo ID whose name matches your NMLS account. Check NMLS's current testing handbook before you go.

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More free help

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