100+ Free PA MLO Practice Questions
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Key Facts: PA MLO Exam
75%
Passing Score
NMLS
55 Q
State Exam Questions
NMLS UST
30 days
Act 91 Notice Period
Pennsylvania
$25,000
Surety Bond Minimum
Pennsylvania
The Pennsylvania MLO state exam covers Pennsylvania-specific mortgage laws administered by the Department of Banking and Securities. Combined with the national NMLS SAFE exam, candidates must pass both components to originate mortgages in Pennsylvania. Pennsylvania is a judicial foreclosure state with unique protections including Act 6 (HEMAP emergency assistance) and Act 91 (30-day pre-foreclosure notice). Court-supervised diversion programs operate in several counties.
About the PA MLO Exam
The Pennsylvania MLO state exam tests knowledge of Pennsylvania-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 (Pennsylvania Department of Banking and Securities (DoBS))
PA MLO Exam Content Outline
Pennsylvania Licensing Requirements
State-specific education, renewal, surety bond, and licensing requirements
Pennsylvania Mortgage Law
State mortgage statutes, Act 6, Act 91, usury laws, and lending regulations
Consumer Protection
State disclosure requirements, borrower rights, HEMAP, fair lending
Regulatory Authority
DoBS oversight, enforcement actions, examination authority, and compliance
Foreclosure Procedures
Pennsylvania judicial foreclosure, sheriff's sale, diversion programs, and timelines
How to Pass the PA 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
PA MLO Study Tips from Top Performers
Frequently Asked Questions
What is the Pennsylvania MLO exam?
The Pennsylvania MLO exam is the state-specific component of the NMLS licensing test. It covers Pennsylvania mortgage laws, licensing requirements administered by the Department of Banking and Securities, and state consumer protection regulations. You must pass both this state exam and the national SAFE exam.
How many questions are on the Pennsylvania MLO state exam?
The Pennsylvania MLO state exam has 55 questions with a 1 hour 30 minute time limit. You need 75% (approximately 41 correct) to pass. The exam is administered through NMLS at Prometric testing centers.
What Pennsylvania-specific topics should I study?
Focus on Act 6 (HEMAP emergency mortgage assistance), Act 91 (30-day pre-foreclosure notice requirement), the judicial foreclosure process through sheriff's sale, DoBS enforcement authority, county foreclosure diversion programs, and the Pennsylvania Human Relations Act fair lending protections.
What are the Pennsylvania MLO license requirements?
Pennsylvania requires 20 hours of NMLS-approved pre-license education including 3 hours of Pennsylvania-specific content, passing scores on both exams, FBI fingerprint background check, a minimum surety bond of $25,000, and license application through NMLS. Annual renewal requires 8 hours of CE.