United States
Hong KongUnderstand the syllabus
Clear lessons follow the published blueprint and keep the source beside the rule.
Conference of State Bank Supervisors (CSBS) / State Regulatory Registry LLC, through the Nationwide Multistate Licensing System (NMLS)
SAFE MLO Test Full Test Prep
1,200questions in the bank
5timed mock exams
5 of 5syllabus topics covered
The federal gate to originating residential mortgages in any state. Every state-licensed MLO in the country has sat this exam.
Free account needed. Sign in to open the first topic.
Built around the published syllabus
Every lesson and question maps to the SAFE MLO Test syllabus, so your study time follows the topics the examiner says can be tested.
Every answer names its source
Each explanation cites the provision it rests on, so you can go and read the rule rather than take our word for it.
Weighted like the real paper
The number of questions per topic follows the published exam blueprint, not our guess at it.
Exam format
The practical details to plan your sitting and timed practice.
- Questions
- 120 total · 115 scored i5 questions are unscored pretest items.
- Time
- 190 minutes
- Pass mark
- 75% i75% of the 115 scored questions. The unscored items are not identified, so answer every question. A total-correct target does not guarantee a pass.
- Format
- Multiple choice · Closed book iMultiple choice, closed book. At a Prometric test centre or at home with online proctoring
- Languages
- English
The study flow
See what studying with Sitonce looks like
Learn the syllabus, practice each topic, sit a realistic paper and turn every mistake into the next thing to study.
Practice with explanations
Topic questions show why the answer works and why the alternatives fail.
Rehearse the real paper
Full timed papers use a separate question pool and the published format.
Turn mistakes into a plan
Weak topics, flagged questions and worked answers become a focused review list.
What you get
USD 89 for 12 months. Everything needed to learn, practice, simulate the paper and review weak areas.
The syllabus, taught
Every examinable topic, with sources beside the rules that matter.
Questions to drill
Topic practice that follows each lesson and exposes weak areas.
Full mock papers
120 questions in 190 minutes, using a separate question pool.
Worked review notes
The answer, the reasoning, why the alternatives fail, and the source.
Printable documents
The study guide and every mock paper, ready for paper.
A plan built round your date
Your study order and readiness update around the date you plan to sit.
Printable study kit
Keep the full course on paper
6 documents built for printing, annotation and timed practice away from the screen.
Every topic, and how heavily it is examined All 5 covered, with each topic's share of the 120 questions on the real paper
-
1
29 q
Federal Mortgage Related Laws
RESPA - settlement services and prohibited referral fees · RESPA - servicing, escrow and loss mitigation · ECOA and fair lending in credit decisions · TILA - finance charge, APR and the right of rescission · TILA - ability to repay, qualified mortgages and HOEPA · Loan originator compensation and qualification · TRID - the Loan Estimate and the Closing Disclosure · HMDA, FCRA, privacy and BSA/AML
-
2
13 q
Uniform State Content
SAFE Act purpose, coverage and definitions · State licensing - qualification and application · Licence maintenance, renewal and continuing education · State regulatory authority, examination and discipline
-
3
24 q
General Mortgage Knowledge
Conventional, conforming and non-conforming programs · Government programs - FHA, VA and USDA · Fixed-rate, adjustable-rate and hybrid products · Reverse mortgages, HELOCs and construction lending · Qualified and non-qualified mortgages · Mortgage terminology and financial concepts
-
4
32 q
Mortgage Loan Origination Activities
The loan inquiry and application process · Required disclosures and the origination timeline · Income and employment analysis · Assets, liabilities and credit analysis · Property valuation, appraisal and title · Underwriting decisions, ratios and conditions · Financial calculations · Closing, funding and post-closing
-
5
22 q
Ethics
Prohibited acts and practices · Fairness in lending and predatory practices · Mortgage fraud - detection and reporting · Advertising and marketing compliance · Consumer relationships and confidentiality
Try it before you decide
1
Try the first topic
Read up to five subtopics from the real course and answer the questions that follow them. Free account required.
Open the free lesson
2
One full mock, free
120 questions, 190 minutes, scored against the real pass mark.
Sit a free mock
3
Continue through the whole exam
Unlock every lesson, practice question, worked explanation, mock paper and printable document.
Before you buy
Is this everything I need, or do I still need the official material?
Yes. The course is designed to take you from the published syllabus through lessons, practice, worked explanations, timed mock papers and final review without needing another study product. It covers all 5 topics and includes 1,200 questions. Sitonce is independent of the bodies that administer and accredit this exam, so you should still use their official websites for registration rules, appointment details and official updates.
Where do the answers come from?
Every explanation names the provision it rests on and quotes it where quoting is allowed, so you can go and read the rule. Where we have not been able to put the underlying text in front of you, the page says so rather than implying a source it does not have.
How long will I need?
Our estimate for this paper is about 60 hours - 2 hours a day for 4 weeks. That is our estimate, not an official figure. Tell us your exam date when you start and the plan, the reminders and the readiness score are all worked back from it.
Can I see it before I pay?
Yes. With a free account, you can read five subtopics from the first lesson, preview the study guide and try one complete 120-question mock paper. The full course adds every lesson, the complete practice bank, worked explanations, 4 more mock papers and the printable study kit.
What happens if I fail?
Your access runs 12 months, which covers a resit; another sitting may cost USD 110. The final-review screen orders what you got wrong by what each mistake costs on the paper, which is where a second attempt should start.
Can I get a refund?
Full refund within 7 days if no more than 20% of paid lessons and practice are used, no paid study guide is downloaded, and no more than one paid mock is started.
SAFE MLO Test · USD 89 for 12 months
The first lesson is free with an account.