Pass the SAFE MLO Test on your first try.
Practice questions that explain every answer, lessons for all five content areas, and a progress map that shows what’s left before test day.
Try one · Federal law
A lender receives a complete mortgage application on a Monday. Under TRID, when must the Loan Estimate be delivered or placed in the mail?
Pick an answer. Every question explains why and cites the rule it comes from.
The exam at a glance
- questions
- 120
- 115 scored
- minutes
- 190
- about 95 seconds each
- to pass
- 75%
- 87 of 115 correct
- content areas
- 5
- one national test
Five areas, weighted the way the exam weighs them
Origination activities and federal law make up half the test. We build your study plan around those weights, so time goes where the points are.
- Federal Mortgage-Related Laws24% · ~28 questions
- Uniform State Content11% · ~13 questions
- General Mortgage Knowledge20% · ~23 questions
- Mortgage Loan Origination Activities27% · ~31 questions
- Ethics18% · ~21 questions
Know where you stand in every content area
Your Readiness Map shows each part of the exam as a row of topics. Every topic is marked not started, needs review, building, or solid, based on how you answer its questions across study sessions.
The ring is your overall readiness, weighted the same way the exam is weighted, so progress in origination counts for more than progress in state content. Topics that need review come first in your suggestions, so you spend time where it helps most.
Example · 18 days until test day
Suggested next · needs review
Tolerances · about 20 minutes
- Mortgage Loan Origination Activities27% of exam
- Federal Mortgage-Related Laws24% of exam
- General Mortgage Knowledge20% of exam
- Ethics18% of exam
- Uniform State Content11% of exam
Built for the way people actually study
Explanations that teach
Every question explains why the right answer is right, why each wrong answer is wrong, and which regulation it comes from.
A clear next step
Your Readiness Map suggests what to study next, so a short session still moves you forward.
A realistic rehearsal
The exam simulator mirrors test day: 120 questions, 190 minutes, weighted by the official outline, with a calculator and scratchpad.
Checked against the source
We verify facts against eCFR, the CFPB, HUD, and NMLS, and every page shows when it was last reviewed.
Simple pricing, one payment
Every paid plan includes everything. Pick the length that fits your test date. No subscriptions and no automatic renewals.
Free
$0
No card needed
Try 10 questions and see how PassMLO explains them.
Take the free quiz1 Month
$29.99
30 days of full access · paid once
Best if your test is within the next few weeks.
3 Months
$49.99
90 days of full access · paid once
Best if you're starting now and testing in one to three months.
- Most popular
6 Months
$79.99
180 days of full access · paid once
Best if you'd like an unhurried pace, with room to reschedule.
Secure checkout by Stripe. Prices are in US dollars. The 3- and 6-month plans can be refunded within 3 days if you haven’t started a timed exam. The 1-month plan is final sale (refund policy).
Every paid plan comes with the whole toolkit
Learn
- 30 plain-English lessons covering all five content areas
- Quick-review notes for every lesson: the deadlines and numbers to memorize
- 285 flashcards with every number, deadline and memory hook
- A searchable glossary of 139 exam terms, each with its source
Practice
- More than 1,000 practice questions, drawn at random
- A reason for every answer choice, with the rule it comes from
- Nearly 90 math problems solved step by step
- Practice by area, by lesson, or math only, 10, 25 or 50 at a time
- A full-length timed exam (120 questions, 190 minutes) with a new mix every time
Track
- Readiness Map showing every topic's level
- A suggested next topic each time you sign in
- Countdown to your test date, on any device
- A certificate of completion when you're ready
Questions about the exam
How many questions are on the SAFE MLO Test?
120 multiple-choice questions. 115 count toward your score, and 5 are unscored pretest questions mixed in at random, so treat every question as if it counts.
How long is the test, and what score do I need?
You get 190 minutes of testing time inside a 225-minute appointment. You need 75% to pass, which is at least 87 of the 115 scored questions.
Is there a separate state test?
No. The Uniform State Content is built into the national test, so you pass one exam and it meets the testing requirement for state licensing.
Does PassMLO count toward my 20 hours of pre-licensing education?
No. PassMLO is exam prep, not NMLS-approved pre-licensing education. You still need to complete 20 hours of approved pre-licensing courses before you test.
Where do your answers come from?
Every lesson and question is checked against the primary source: the federal regulations on eCFR and the CFPB site, HUD, and NMLS's own content outline. Each explanation shows its citation so you can check it yourself.
Can I study on my phone?
Yes. Every page, quiz, and the exam simulator work on phones, tablets, and computers, and your progress follows you between devices.