The NMLS exam (SAFE Mortgage Loan Originator Test) is required to become a licensed mortgage loan originator (MLO) in the U.S. It covers federal mortgage law, loan products, ethics and origination activities.
Practice TILA, RESPA and TRID rules on the free NMLS practice test.
Key takeaways
- 120 questions (115 scored) in 190 minutes.
- You need 75% (about 86 of 115) to pass.
- The testing fee is $110.
- Complete 20 hours of NMLS-approved prelicensing education first.
USA NMLS Exam: Quick Facts
- Administered by
- NMLS (Prometric)
- Questions
- 120 (115 scored)
- Time
- 190 minutes
- Passing
- 75%
- Fee
- $110
NMLS Exam Topics
- Federal mortgage-related laws (TILA, RESPA, ECOA, HMDA, SAFE Act)
- Uniform state content
- General mortgage knowledge and loan products
- Mortgage loan origination activities
- Ethics, fraud and fair lending
Free practice test
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Go to the USA NMLS Exam practice test →USA NMLS Exam FAQs
How many questions are on the NMLS exam?
120 multiple-choice questions, 115 scored, with 190 minutes.
Full answer →How long do I have to wait to retake the NMLS exam?
Candidates must wait 30 days between the first three attempts, and 180 days after a third failure.
Full answer →Official sources
Disclaimer: This guide is for general information and is not financial, tax, insurance or investment advice. Exam details, fees, blueprints and product terms change. Confirm with the official organization or a licensed professional. Read our editorial policy.