This is the licensing-test stage of the Loan Officer Academy. The Academy teaches the job first; after borrower laboratories, students use this center to prepare for the SAFE MLO National Test with original practice questions based on the current public NMLS content outline.
Review only topics contained in the public NMLS SAFE MLO test content outline: laws, state content, general mortgage knowledge, origination activities, calculations and ethics.
Each exam contains 50 questions. After scoring, review every answer with detailed reasoning and the concept to restudy.
Three different 100-question finals are available at any time and are weighted to the official NMLS outline. We recommend taking the eight section exams first.
You can start SAFE study and practice exams at any time. We recommend completing the Modules and Borrower Labs first, but they are not prerequisites.
50 original questions · scored · full answer review after submission.
50 original questions · scored · full answer review after submission.
50 original questions · scored · full answer review after submission.
50 original questions · scored · full answer review after submission.
50 original questions · scored · full answer review after submission.
50 original questions · scored · full answer review after submission.
50 original questions · scored · full answer review after submission.
50 SAFE-outline review questions · scored · full answer review after submission.
The real SAFE test has 120 total items (115 scored + 5 unscored) and a minimum passing score of 75%. Our final mocks use 100 scored questions for focused training and mirror the official content-area weighting.
8 × 50-question section exams + 3 × 100-question finals. These are restricted to the public NMLS SAFE content outline. They do not test proprietary DSCR matrices, company workflow, borrower-lab tricks or lender-specific job procedures.
12 modules × 25-question mastery exams. These test interviews, 1003 completion, documents, income/assets, credit, REO, DTI/LTV, programs, AUS, disclosures, errors and file structuring.
Federal Mortgage-Related Laws (24%) — RESPA/Reg X, ECOA/Reg B, TILA/Reg Z, TRID, HMDA/Reg C, FCRA/FACTA, privacy, advertising and other federal laws.
Uniform State Content (11%) — SAFE Act/model state law, licensing, NMLS, regulator authority, sponsorship, recordkeeping and prohibited conduct.
General Mortgage Knowledge (20%) — qualified/non-QM programs, conventional/government lending, fixed/ARM, HELOC, reverse, construction, industry terms and secondary-market concepts.
Origination Activities (27%) — application, verification, disclosures, tolerances, program suitability, calculations, processing and closing activities.
Ethics (18%) — fair lending, fraud, kickbacks, steering, appraiser independence, privacy, advertising and ethical origination behavior.
This Academy is supplemental study material and is not NMLS-approved pre-licensing education. Laws and rules can change; use current official NMLS and regulatory sources.