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Licensing · Mortgage

SAFE Mortgage Loan Originator Test (National Test with Uniform State Content)

The NMLS national licensing test every state-licensed mortgage loan originator must pass at 75%: federal mortgage law (RESPA, TILA/TRID, ECOA, HMDA and more), uniform state content from the SAFE Act, general mortgage knowledge, loan origination activities and math, and ethics.

Questions last checked against the official sources on October 11, 2026.

Start the free mock exam 190 min · free · no account

The real exam at a glance

Test
120 items (115 scored), 190 minutes
Pass mark
75% (set by the SAFE Act)
Retakes
Wait 30 days; after 3 fails in a row, 180 days
Before licensing
20 hours NMLS-approved education; 8 hours CE each year
Fee
$110, paid in NMLS
Delivered by
Prometric, at a test center or online

What you'll practise

  1. SAFE MLO National Test with UST120 questions · 190 min

Try a question

Under the SAFE Act, an MLO must be sponsored by:

  1. The state real estate commission
  2. The CFPB, through its Office of Mortgage Markets and its regional offices
  3. The company that employs or supervises the MLO
  4. A credit reporting agency
Show the answer

C. The company that employs or supervises the MLO — State model law and NMLS require a licensed MLO to be associated with and sponsored by an employing entity through the NMLS; a license is not active without sponsorship.

Sample questions by topic (in English)

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Questions about the SAFE MLO Test (NMLS)

Is this the official SAFE MLO Test (NMLS)?

No. Semplr is independent and not affiliated with the exam body. We write every question ourselves, in the official format and at the official level.

What is the real SAFE MLO Test (NMLS) like?

Test: 120 items (115 scored), 190 minutes. Pass mark: 75% (set by the SAFE Act). Retakes: Wait 30 days; after 3 fails in a row, 180 days. Before licensing: 20 hours NMLS-approved education; 8 hours CE each year. Fee: $110, paid in NMLS. Delivered by: Prometric, at a test center or online.

How is my practice marked?

Instantly. You see your score against the pass mark, and an explanation for every question — including the ones you got right.

Can I take it on my phone?

Yes. The whole mock exam works on a phone, and your progress is saved in your browser.

Ready for a full run?

One sitting, real timing, then your score against the pass mark.

Start the free mock exam
SAFE MLO Test (NMLS)190 min · freeStart mock