Study with MLO Actual Test Questions
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Updated: Aug 03, 2026
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NMLS MLO Exam Overview:
| Certification Vendor: | NMLS |
| Exam Name: | Mortgage Loan Origination (SAFE MLO) Exam |
| Exam Number: | SAFE-MLO |
| Real Exam Qty: | 120 |
| Available Languages: | English |
| Certificate Validity Period: | 5 years |
| Passing Score: | 75% |
| Exam Price: | $110 USD |
| Related Certifications: | SAFE Mortgage Loan Originator License |
| Exam Format: | Multiple Choice |
| Exam Duration: | 190 minutes |
| Sample Questions: | NMLS MLO Sample Questions |
| Exam Way: | Online Proctored or Test Center |
| Pre Condition: | Completion of required NMLS-approved pre-licensing education and background checks may be required by individual states. |
| Official Syllabus URL: | https://mortgage.nationwidelicensingsystem.org/knowledge/products/nmls/pubs/testingHbk/education/mlo_testing/mlo_test_faq/mlo_testing_hbk_testOutline.html |
NMLS MLO Exam Syllabus Topics:
| Section | Weight | Objectives |
|---|---|---|
| Federal Mortgage-Related Laws | 24% | - Federal Mortgage Laws
|
| Uniform State Content | 11% | - State Regulatory Content
|
| General Mortgage Knowledge | 20% | - Mortgage Fundamentals
|
| Ethics | 18% | - Ethical Practices
|
| Mortgage Loan Origination Activities | 27% | - Loan Origination Process
|
NMLS Mortgage Loan Origination (SAFE MLO) Sample Questions:
1. A borrower has told the mortgage loan originator that they had recently paid off an account that was listed on their credit report. Which of the following information will they need to provide the lender to prove the account has been paid off?
A) Oral confirmation from the borrower
B) A letter from the borrower explaining that they paid it off
C) An updated statement showing a zero balance
D) No additional information required
2. Which of the following documents is required to be issued to a customer when a mortgage loan originator is also a real estate broker on the same transaction?
A) Affiliated business arrangement disclosure
B) Appraisal disclosure
C) Loan application
D) Special information booklet
3. Which of the following factors is not required to be taken into account when determining a borrower's ability to repay a loan?
A) Proceeds from the sale of the property securing the loan
B) Credit history
C) Monthly payment on simultaneous loans
D) Current debt obligations, alimony and child support
4. Which of the following duties requires licensure under the SAFE Act?
A) An individual who offers or negotiates terms of a residential mortgage loan for compensation or gain
B) A licensed and registered real estate broker performing real estate brokerage activities
C) An individual who performs administrative or clerical tasks on behalf of a mortgage loan originator
D) An individual who performs processing and underwriting duties at the direction of and subject to the supervision of a licensed individual
5. According to the Truth in Lending Act (TILA), which of the following advertising statements does not require additional disclosures to supplement the advertisement?
A) "Only 1 point up front to get you in a home"
B) "Come in today for your free consultation"
C) "Payments as low as $600 for a $100,000 mortgage"
D) "15-year and 30-year mortgages available"
Solutions:
| Question # 1 Answer: C | Question # 2 Answer: A | Question # 3 Answer: A | Question # 4 Answer: A | Question # 5 Answer: B |
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