NMLS MLO : Mortgage Loan Origination (SAFE MLO) Exam

MLO real exams

Exam Code: MLO

Exam Name: Mortgage Loan Origination (SAFE MLO) Exam

Updated: Sep 03, 2026

Q & A: 232 Questions and Answers

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NMLS MLO Exam Syllabus Topics:

SectionWeightObjectives
Mortgage Loan Origination Activities27%- Loan application process
- Borrower qualification and underwriting basics
- Loan programs and product types
- Closing and post-closing procedures
Ethics18%- Fair lending and anti-discrimination
- Fraud prevention and detection
- Ethical practices and professional conduct
- Conflict of interest and disclosure obligations
General Mortgage Knowledge20%- LTV, DTI, CLTV, PMI, points and fees
- Conventional, FHA, VA, USDA loan characteristics
- Mortgage terms, concepts and calculations
- Fixed-rate vs adjustable-rate mortgages
Uniform State Content11%- License maintenance and renewal
- State licensing and regulatory requirements
- Compliance and disciplinary standards
Federal Mortgage-Related Laws24%- Fair lending and consumer protection rules
- TILA, RESPA, ECOA, HMDA, FCRA
- SAFE Act and federal regulatory framework
- Disclosure requirements and timing

NMLS Mortgage Loan Origination (SAFE MLO) Sample Questions:

Question 1

A mortgage loan originator (MLO) cannot be approved for licensure if the applicant has:

A. never been licensed or registered as an MLO in any governmental jurisdiction.
B. taken and failed the SAFE MLO National Test three times within the last year.
C. had an MLO license suspended in any governmental jurisdiction.
D. been convicted of a felony within the past seven years.


Question 2

Which of the following fees must remain the same unless a valid changed circumstance occurs?

A. Total per diem interest
B. Owner's title insurance premium
C. Fees paid to an affiliate of the lender
D. Homeowner's insurance


Question 3

The debt-to-income analysis should assess a borrower's total monthly housing related payments as a percentage of the:

A. loan amount.
B. taxable income.
C. gross monthly income.
D. net monthly income


Question 4

Which of the following reasons is acceptable for denying a loan under the Equal Credit Opportunity Act (ECOA)?

A. Country of birth
B. Marital status
C. Receipt of child support
D. Immigration status


Question 5

Which of the following is not a primary function for compensation undertaken by a mortgage loan originator on an FHA loan?

A. Performing real estate brokerage activities
B. Offering or negotiating credit terms
C. Taking an application
D. Assisting a consumer in applying for credit


Solutions:

Question 1
Answer: D		Question 2
Answer: C		Question 3
Answer: C		Question 4
Answer: D		Question 5
Answer: A

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