The National Test with Uniform State Content is one 120-question multiple-choice paper. Here is how NMLS weights it, and how our 1,400 practice questions map to each section.
| Questions | 120 multiple-choice (115 scored, 5 unscored pre-test items) |
|---|---|
| Time | 190 minutes (3 hours 10 min) |
| Pass mark | 75% (12 U.S.C. 5104(d)(3)) |
| Fee | US$110 |
| First-time pass rate | About 53% (as at 31 Dec 2024) |
| Where | Prometric test centers (online proctoring only with approved testing accommodations, since Oct 1, 2024) |
Source: NMLS Testing Handbook and SAFE MLO Test Content Outline, as at 11 Oct 2026. NMLS sets the format and can change it; check NMLS before you book. 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.
Outline areas: RESPA; ECOA; TILA; TRID; Other federal laws and guidelines; Regulatory authority.
Outline areas: SAFE Act and CSBS/AARMR Model State Law; State mortgage regulatory agencies; License law and regulation; Compliance.
Outline areas: Qualified and non-qualified mortgage programs; Mortgage loan products; Terms used in the mortgage industry.
Outline areas: Loan inquiry and application process requirements; Qualification: processing and underwriting; Closing; Financial calculations.
Outline areas: Ethical issues; Ethical behavior related to loan origination activities.
Practice by topic with instant worked explanations, then sit full practice exams weighted like the real test.
Drill exam-style questions by topic with instant worked answers, then sit full timed mock exams when you're ready. 1,400+ original questions across every outline topic — no card needed to start.
