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
Terms and refunds · Secure checkout by Stripe · Billed by Nori Software
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.
- No signup · No card
- Written to the NMLS SAFE MLO Test content outline
- Not paid to us Exam fee $110
- 10 questions, untimed
- Answers explained as you go
- Scored by domain
Want a timed run? Try the free 25-question mini-mock. The first 5 need no email.
Every question is original and written to NMLS's published content outline.
How it works
- Answer 10 questions, freeUntimed. Check each answer to see why it's right, with a hint where one helps.
- See your score by domainBroken down by outline domain, with your weakest one named.
- 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 accessLearn 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
- RESPA and Regulation X
- ECOA, TILA, HOEPA and MLO compensation
- TRID: the Loan Estimate and Closing Disclosure
- Other federal laws and the regulators
- The SAFE Act and the model state law
- Mortgage programs and loan products
- Mortgage industry terms
- Application, verification and disclosure timing
- Qualification, underwriting, closing and loan math
- Ethics, fraud and fair lending
Instant access. Terms and refunds · Secure checkout by Stripe · Billed by Nori Software
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
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
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.
The Rate Lock app for iPhone and AndroidToday's questions and your study plan in your pocket. Rate Lock already works in your phone's browser today.
See it on your phoneMore free help
- SAFE MLO Test exam guideFormat, domains, references and published sources in one page
- Free sample lesson
- Free flashcards
- Question of the day
- Print a class quiz (free PDF)10 practice questions with an answer key on page 2.
- Print the flashcards as cut-out cards (free PDF)The free flashcard sample, ready to cut and carry.
Add this check to your site
Give your students or members the free 10-question SAFE MLO Test check on your own page. Copy this HTML with its attribution link. Scores open in a new tab on Rate Lock. Paste both lines; if your site strips scripts, the frame keeps a fixed height.