100+ Free TX MLO Practice Questions
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Key Facts: TX MLO Exam
75%
Passing Score
NMLS
55 Q
State Exam Questions
NMLS UST
20 hrs
Pre-License Education
TX Dept of Savings & Mortgage Lending
$25,000
Surety Bond
Texas
The Texas MLO state exam covers state-specific mortgage laws administered by the TX Department of Savings and Mortgage Lending. Combined with the national NMLS SAFE exam, candidates must pass both components to originate mortgages in Texas. Texas is a non-judicial foreclosure state with unique homestead protections enshrined in the Texas Constitution. The state has strong borrower protections including restrictions on home equity lending and requires compliance with the Texas SAFE Act.
About the TX MLO Exam
The Texas MLO state exam tests knowledge of Texas-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 (TX Department of Savings and Mortgage Lending)
TX MLO Exam Content Outline
TX Licensing Requirements
State-specific education, renewal, and licensing requirements
TX Mortgage Law
State mortgage statutes, homestead protections, and lending regulations
Consumer Protection
State disclosure requirements, borrower rights, fair lending
Regulatory Authority
TX Dept of Savings and Mortgage Lending oversight, enforcement, and compliance
Foreclosure Procedures
Texas-specific foreclosure process, timelines, and remedies
How to Pass the TX 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
TX MLO Study Tips from Top Performers
Frequently Asked Questions
What is the Texas MLO exam?
The Texas MLO exam is the state-specific component of the NMLS licensing test. It covers Texas mortgage laws, licensing requirements administered by the TX Department of Savings and Mortgage Lending, and state consumer protection regulations. You must pass both this state exam and the national SAFE exam to originate mortgages in Texas.
How many questions are on the TX MLO state exam?
The Texas 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 Texas-specific topics should I study?
Focus on the Texas Constitution's homestead protections, the Texas SAFE Act, non-judicial foreclosure procedures, the TX Department of Savings and Mortgage Lending's regulatory authority, Texas home equity lending restrictions (Section 50(a)(6)), the surety bond requirement, and state-specific consumer protection disclosures.
What are the TX MLO license requirements?
Texas 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 Texas-specific hours.