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1,400+ original practice questions mapped to the NMLS Content Outline, full 120-question practice exams timed at 3 hours 10 min, and a worked answer with its regulation citation on every question.
Free to start · No card required · 16 topics across all five outline sections
The test at a glance
Practice, not pre-licensing education. Practice questions and mock exams only. This is not NMLS-approved pre-licensing education (PE): you still need the 20 hours of PE from an NMLS-approved course provider before you can be licensed. How the 20 hours work
The test is mostly applied: loan-file facts, dates and numbers. So is our bank.
A borrower receives the Closing Disclosure by email, with documented receipt, on Thursday, September 17, 2026. No holidays fall in the period. What is the earliest day the loan can close?
Step 1
Work through 16 topics organized by the five Content Outline sections. Every answer is graded instantly with a worked explanation and its source.
Step 2
Your mistakes come back for review, and study notes give you the rule, the trap and the takeaway for each topic.
Step 3
120 questions in 190 minutes, weighted like the real test and scored against 75%. Book the real thing when you pass consistently.
Written from the regulations, never copied. At least half are applied scenarios: dates, fees, loan files.
Every explanation names the rule (for example 12 CFR 1026.19) and gives an as-at date for every figure.
120 questions, 3 hours 10 min, weighted by the outline, unseen questions first.
DTI, LTV, points, per diem interest, ARM caps and tolerance cures, with the arithmetic shown.
One per topic: the rule, the exam trap and a takeaway you can remember.
Missed questions return until you get them right, with topic-level readiness scores.
Passes from US$39 for a month. The 3-month pass at US$79 covers your first attempt and a retake if you need one. No auto-renewal.
The SAFE Mortgage Loan Originator Test (National Test with Uniform State Content) is the licensing exam every state-licensed mortgage loan originator must pass. NMLS describes it as 120 multiple-choice items, 115 of them scored, in 190 minutes, and you need 75% to pass (NMLS Testing Handbook, as at 11 Oct 2026).
NMLS reported a first-time pass rate of about 53% as at 31 Dec 2024. Roughly half of first-time candidates do not pass, which is why timed practice under real conditions matters.
No. Practice questions and mock exams only. This is not NMLS-approved pre-licensing education (PE): you still need the 20 hours of PE from an NMLS-approved course provider before you can be licensed.
No. Every question is original, written from the federal regulations, the SAFE Act and the CSBS/AARMR Model State Law and mapped to the public Content Outline. NMLS test content is confidential, and we never copy it or any other provider's questions.
Federal mortgage-related laws 24%, Uniform State Content 11%, General mortgage knowledge 20%, Mortgage loan origination activities 27%, Ethics 18%. Our full practice exams draw questions in the same proportions.
A free account with the first 15 questions in every topic (240 in all), instant worked explanations, the 20-question free practice test, study note previews and progress tracking. A pass unlocks every question, the full 120-question practice exams and every study note.
MLO Prep is an independent study aid, not affiliated with or endorsed by NMLS, CSBS or SRR. NMLS is a registered mark of State Regulatory Registry LLC. All practice questions are original; they are not real or past test questions.
Source: NMLS Testing Handbook and SAFE MLO Test Content Outline, as at 11 Oct 2026. Test fee US$110.