Pass the NMLS SAFE MLO exam with practice that explains every answer.
392 practice questions written from federal law and agency sources, with an explanation for every option and a citation for every answer. Study by topic, then take a timed 120-question, 190-minute exam set up like the real test.
The real test, in numbers
| Item | Official figure |
|---|---|
| Questions | 120 total: 115 scored plus 5 unscored pretest questions |
| Time limit | 190 minutes (225-minute appointment) |
| Passing score | 75% (set by the SAFE Act) |
| Fee | $110 per attempt |
| Retakes | Wait 30 days after a 1st or 2nd failure; wait 180 days after a 3rd consecutive failure |
| First-time pass rate | 53% (NMLS, as of Dec. 31, 2024) |
What you get
Matched to the official 5-area outline and its weights.
Learn why each wrong answer is wrong, not just which one is right.
Each answer links to the statute, regulation, or agency page it comes from.
120 questions in 190 minutes, scored against 75%.
DTI, LTV, points, prepaid interest, ARM caps, and P&I.
Study anywhere. Your progress saves in your browser.
Free study pages
Full access
$59
Launch price, one-time. All 392 questions, explanations, custom quizzes, and timed exams.
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Honest notes
- This is exam practice, not the NMLS-approved 20-hour course required for licensure.
- Real test questions are confidential. Ours are original and written from the law.
- No pass guarantee. NMLS reports a 53% first-time pass rate, so prepare seriously.
FAQ
How many questions are on the NMLS SAFE MLO test?
120 questions: 115 scored and 5 unscored pretest questions. You get 190 minutes and need 75% to pass.
How much does the SAFE MLO test cost?
NMLS lists the fee as $110 per attempt. This practice site is separate.
Does this replace the 20-hour pre-licensing course?
No. It is practice only and does not count toward required education.
What if I fail the MLO exam?
Wait 30 days to retest after a 1st or 2nd failure, and 180 days after a 3rd consecutive failure.