Mortgage & MLO
Mortgage loan originator licensing — the NMLS SAFE MLO National Test required for state licensure under the SAFE Act.
Choose your exam family
Families group sibling exams — the tiers of one credential, the split and combined versions of a licence, the per-state variants. Each opens its own page with every exam and its free resources.
- SAFE MLO licensing tests1 exam126 free questionsThe SAFE Mortgage Loan Originator National Test with Uniform State Content, administered through NMLS, plus state-specific licensing requirements.NMLS SAFE MLOExplore SAFE MLO licensing tests →
What you'll find on every Mortgage & MLO exam
Each exam has up to four pages, one per job to be done: practice the questions, understand the exam, study the outline, or revise the morning of. Flashcards and glossary terms sit inside the study guide rather than on pages of their own.
- Practice tests1
- Free question banks with a worked explanation on every answer.
- Exam guides1
- Cost, format, eligibility and difficulty, straight from the official outline.
- Study guides1
- Full outline coverage, plus the exam's flashcards and glossary terms.
- Cheat sheets1
- One-page summaries built for the last review, with a PDF download.
Official sources
Every exam number on this page traces to a document published by the body that sets or administers the exam. These are the primary publishers cited across Mortgage & MLO.
- NMLS / Conference of State Bank Supervisors (CSBS)mortgage.nationwidelicensingsystem.orgcited by 1 exam
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