100+ Free TN MLO Practice Questions
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Key Facts: TN MLO Exam
75%
Passing Score
NMLS
55 Q
State Exam Questions
NMLS UST
20 hrs
Pre-License Education
TN Dept of Financial Institutions
$25,000
Surety Bond
Tennessee
The Tennessee MLO state exam covers state-specific mortgage laws administered by the TN Department of Financial Institutions. Combined with the national NMLS SAFE exam, candidates must pass both components to originate mortgages in Tennessee. Tennessee is a non-judicial foreclosure state that primarily uses deeds of trust with a power-of-sale clause. The state requires a $25,000 surety bond and compliance with the Tennessee Residential Lending, Brokerage, and Servicing Act.
About the TN MLO Exam
The Tennessee MLO state exam tests knowledge of Tennessee-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 (TN Department of Financial Institutions)
TN MLO Exam Content Outline
TN Licensing Requirements
State-specific education, renewal, and licensing requirements
TN Mortgage Law
State mortgage statutes, usury laws, and lending regulations
Consumer Protection
State disclosure requirements, borrower rights, fair lending
Regulatory Authority
TN Dept of Financial Institutions oversight, enforcement, and compliance
Foreclosure Procedures
Tennessee-specific foreclosure process, timelines, and remedies
How to Pass the TN 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
TN MLO Study Tips from Top Performers
Frequently Asked Questions
What is the Tennessee MLO exam?
The Tennessee MLO exam is the state-specific component of the NMLS licensing test. It covers Tennessee mortgage laws, licensing requirements administered by the TN 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 Tennessee.
How many questions are on the TN MLO state exam?
The Tennessee 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 Tennessee-specific topics should I study?
Focus on the Tennessee Residential Lending, Brokerage, and Servicing Act, the non-judicial foreclosure process using deeds of trust, the TN Department of Financial Institutions' regulatory authority, Tennessee's usury and interest rate provisions, the $25,000 surety bond requirement, and state-specific consumer protection disclosures.
What are the TN MLO license requirements?
Tennessee requires 20 hours of NMLS-approved pre-license education, passing both the national and state NMLS exams, a criminal background check and credit report, a $25,000 surety bond, and registration through NMLS. Renewal requires annual continuing education including Tennessee-specific hours.