100+ Free ND MLO Practice Questions
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Key Facts: ND MLO Exam
75%
Passing Score
NMLS
55 Q
State Exam Questions
NMLS UST
20 hrs
Pre-License Education
ND Dept of Financial Institutions
$25,000
Surety Bond
North Dakota
The North Dakota MLO state exam covers ND-specific mortgage laws administered by the North Dakota Department of Financial Institutions. Combined with the national NMLS SAFE exam, candidates must pass both components to originate mortgages in North Dakota. ND is a judicial foreclosure state, meaning lenders must go through the court system. The state provides borrowers with a generous one-year right of redemption after the sheriff's sale. ND requires a $25,000 surety bond for MLO licensees.
About the ND MLO Exam
The North Dakota MLO state exam tests knowledge of North Dakota-specific mortgage laws, licensing requirements, and consumer protection regulations. This exam is taken alongside the national NMLS SAFE exam component.
Questions
55 scored questions
Time Limit
1 hour 30 minutes
Passing Score
75%
Exam Fee
$110 (North Dakota Department of Financial Institutions)
ND MLO Exam Content Outline
North Dakota Licensing Requirements
State-specific education, renewal, and licensing requirements
North Dakota Mortgage Law
State mortgage statutes, usury laws, and lending regulations
Consumer Protection
State disclosure requirements, borrower rights, fair lending
Regulatory Authority
ND Dept of Financial Institutions oversight, enforcement, and compliance
Foreclosure Procedures
North Dakota judicial foreclosure process, redemption rights, and timelines
How to Pass the ND MLO Exam
What You Need to Know
- Passing score: 75%
- Exam length: 55 questions
- Time limit: 1 hour 30 minutes
- Exam fee: $110
Keys to Passing
- Complete 500+ practice questions
- Score 80%+ consistently before scheduling
- Focus on highest-weighted sections
- Use our AI tutor for tough concepts
ND MLO Study Tips from Top Performers
Frequently Asked Questions
What is the North Dakota MLO exam?
The North Dakota MLO exam is the state-specific component of the NMLS licensing test. It covers ND mortgage laws, licensing requirements administered by the ND Department of Financial Institutions, and state consumer protection regulations. You must pass both this state exam and the national SAFE exam to originate mortgages in North Dakota.
How many questions are on the North Dakota MLO state exam?
The North Dakota MLO state exam has 55 questions with a 1 hour 30 minute time limit. You need a score of 75% (approximately 41 correct answers) to pass. The exam is administered through NMLS at Prometric testing centers.
What North Dakota-specific topics should I study?
Focus on North Dakota's judicial foreclosure process through the court system, the one-year statutory right of redemption after the sheriff's sale, the Department of Financial Institutions' regulatory authority, ND's usury laws, the $25,000 surety bond, and the borrower's right to remain in possession during the redemption period.
What are the North Dakota MLO license requirements?
North Dakota requires 20 hours of NMLS-approved pre-license education, passing both national and state exams, an FBI background check and credit report, a $25,000 surety bond, and NMLS registration. ND follows the standard federal SAFE Act requirements.