SAFE MLO National Test · NMLS License
NMLS Exam Prep
MLO Practice + Mock Exam
1,240 originally authored multiple-choice questions across all 5 SAFE MLO domains (Federal Law, Origination, General Knowledge, Ethics, UST), plus a 120-question timed mock matching the real exam. Every answer key cross-audited by independent LLM blind review — accuracy is the baseline, not the bonus.
About the SAFE MLO National Test
The SAFE Mortgage Loan Originator National Test with Uniform State Content is administered through NMLS and is required for state MLO licensure in every US state. It is computer-based — at Prometric test centers or via online proctoring — and consists of 120 multiple-choice questions in 190 minutes: 115 scored questions plus 5 unscored pretest items you cannot identify.
| Component | Format | Pass |
|---|---|---|
| National Test with UST | 120 MCQ (115 scored) · 190 min | 75% — at least 86 of 115 |
Key facts
- Prerequisite: 20 hours of NMLS-approved pre-licensure education (PE) before you can be licensed, plus any state-specific PE hours.
- Fee: US$110 per attempt, paid through your NMLS account.
- Retakes: wait 30 days after each of your first three failed attempts; after three consecutive failures, wait 180 days.
- Domain weights: Federal Law 24% · Origination 27% · General Knowledge 20% · Ethics 18% · UST 11%.
NMLS publishes the test content outline but no public question bank. MLO license guide → · FAQ →
A look inside the app
Practice questions, regulation-cited explanations, a weighted timed mock and weak-domain analytics — everything in one place.
Five SAFE Domains weighted to match the official outline
Every domain links to 2 free sample questions — the same free-preview set as the app, with answers and regulation-cited explanations.
240-question mock bank · weak-domain analytics
A timed mock sitting, weighted like the SAFE outline
Beyond practice drills, the app carries a separate 240-question mock pool that builds 120-question, 190-minute timed sittings sampled to the published SAFE outline weights — Federal 24%, Origination 27%, General 20%, Ethics 18%, UST 11% — so your rehearsal matches the shape of the test. After each sitting, weak-domain analytics show exactly where you are losing points.
- 240 mock questions, independent of the 1,000-question practice bank — no repeats spoiling your score signal
- 120 questions · 190 minutes, timed like the computer-based format
- Scored against the official 75% pass mark (86 of 115 scored questions)
- Weak-domain analytics across all 5 SAFE domains, so you drill where you actually lose points
Why this app is different
- Cross-audited answer keys. The most common complaint about competing NMLS prep apps is wrong answer keys. Every question in this app was blind-reviewed by an independent model and re-verified — the same audit pass caught (and fixed) 2 wrong keys during development.
- 100% original questions. Authored from public sources: eCFR Regulations B/X/Z, CFPB rule text, HUD/VA/USDA program handbooks, the NMLS Resource Center, and the SAFE Act and Final Rule. The official NMLS item bank is non-public and copyright-protected; we do NOT scrape or reproduce it.
- Detailed explanations with citations. Each explanation cites the underlying regulation — e.g., "12 CFR §1026.43(c)" or "Reg X §1024.17" — so you learn the rule, not just the answer.
Pricing
Pick the tier that fits your study window. Lifetime is one payment, never expires.
Prices follow the App Store; other regions are auto-converted by Apple's territory equalization.
Free study resources
In-depth prep material, organized by topic — read alongside the practice questions.
The exact 10-question free-preview set from the app — two per SAFE domain, answered instantly with explanations.
How to get licensed: 20-hour PE, test format, fees, 30/180-day retake rules and the path from NMLS account to sponsorship.
Condensed notes on Federal Law, Origination, General Knowledge, Ethics and the UST — the thresholds and timelines the exam tests.
How many questions, the 75% pass mark, first-time pass rates, the Uniform State Test, and what happens if you fail.
Why PrepLicense
Independent
Built independently, with no affiliation to NMLS, CSBS or any state regulator — made purely for candidates.
Outline-aligned
Written from the published SAFE test content outline and the underlying regulations, covering all 5 domains.
Offline
The question bank lives on your device — practise on the commute, anywhere, anytime.
No ads, no tracking
A clean experience with transparent pricing — no ads, no data tracking.
Now on the App Store
Download to start preparing
1,240 original bilingual-quality questions, weighted mock exam, weak-domain analytics, citations on every answer. Built for working professionals studying for NMLS licensure.
This is an independent study aid. Not affiliated with, endorsed by, or sponsored by NMLS, the Conference of State Bank Supervisors (CSBS), or any state mortgage regulator. The SAFE Act and the NMLS test are administered by CSBS. Actual exam rules and content follow announcements from the relevant authorities. All trademarks belong to their respective owners.
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