Free Mortgage/MLO Practice Questions
Free practice questions for the NMLS SAFE Mortgage Loan Originator exam. Updated for 2026 with AI-powered study assistance and detailed explanations.
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NMLS SAFE
SAFE Mortgage Loan Originator Test
National exam required for mortgage loan originators
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Frequently Asked Questions
What is the NMLS exam pass rate?
The NMLS SAFE exam has a pass rate of about 54% nationally. The exam covers federal law, ethics, loan origination, and mortgage products. Thorough preparation with practice questions is essential.
How many questions are on the NMLS exam?
The NMLS SAFE exam has 120 questions total: 115 scored questions and 5 unscored pretest questions. You need to answer at least 75% correctly to pass.
What topics does the NMLS exam cover?
The exam covers federal mortgage laws (RESPA, TILA, ECOA), ethics and fraud prevention, loan origination activities, and mortgage products and programs.
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