SAFE MLO Test practice · one-time pass · no subscription
One pass unlocks everything: every practice question, full 120-question timed practice exams and all study notes. Pay once; nothing renews. Most candidates study in a focused burst after pre-licensing education, so the 3-month pass is the sweet spot.
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.
Start free — no card needed. Practice free questions across every topic first.
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US$39/mo · one-time · 1 month full access
A focused final month after PE, if your test is already booked
about US$26.33/mo · one-time · 3 months full access
32% less per month than 1 month
Covers the weeks after PE, your first attempt and, if you need it, a retake after the 30-day wait
about US$8.25/mo · one-time · 12 months full access
Extended free if you fail
Fail the test while your pass is active? Send us your score report and we extend your access until you pass.
Every pass unlocks all of it — only the length differs.
Need help? Email support@getmloprep.com or use the feedback form
A free bank is fine until a wrong answer key teaches you the wrong rule. This is what your pass pays for.
All 1400 questions were re-solved blind against their keys and checked against the regulation they cite. Errors found are fixed and logged.
Every dollar figure, percentage and day count carries its effective date. Annually adjusted figures, such as HOEPA and QM thresholds and loan limits, are re-checked each January.
Every answer explains why the right option is right and why the trap is wrong, citing the rule, for example 12 CFR 1026.19(e). Calculations show the arithmetic.
5 full practice exams of 120 questions in 3 hours 10 min, drawn by the five Content Outline weights and scored against 75%. Unseen questions come first.
Written from the regulations, never copied from the real test or another provider. Studying recalled test items breaks the NMLS rules of conduct you agree to before you test.
No subscription to cancel. The 3-month pass covers the 30-day wait and a retake; the Until-you-pass pass is extended free if you fail.
Start free forever. Premium unlocks the full pass system.
| Feature | Free | Premium |
|---|---|---|
| Practice questions | First 15 in every topic (240) | All 1,400+ |
| Full 120-question timed practice exams | 20-question free test | 5 exams |
| Section drills | — | ✓ |
| Hard Mode | — | ✓ |
| Worked explanations with citations | Free questions | Every question |
| Study notes | Preview | All 16 in full |
| Mistake bank and weak-area review | Top 3 topics | Full |
A retake costs another US$110 test fee and at least 30 days. Focused practice now is cheaper.
Have a promo code? Enter it at checkout to get your discount.
Every pass is a one-time payment — no auto-renew, nothing to cancel. Your full access simply runs for the period you chose, and you'll see the exact expiry date on your dashboard. Practice questions are original study material mapped to the public NMLS Content Outline, not real test questions. Prices in US dollars.
| Readiness analytics |
| Basic |
| Full |
