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SAFE Act MLO Test β€” 2026

Pass the SAFE MLO Exam on Your First Try

Free AI-powered exam prep for Mortgage Loan Originators. 1,600+ practice questions, flashcards, and timed mock exams covering all 5 NMLS test content areas. The real exam: 125 questions, 190 minutes, 75% to pass.

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All 50 states

SAFE MLO Exam At-a-Glance

125

Exam Questions

190 min

Time Limit

75%

Pass Score

$110

Exam Fee

Frequently Asked Questions

How many questions are on the SAFE MLO exam?
The SAFE MLO exam has 125 questions, but only 120 are scored. The remaining 5 are unscored pre-test items. You have 190 minutes (about 3 hours and 10 minutes) to complete the test.
What score do you need to pass the MLO exam?
You need a score of 75% or higher to pass the SAFE MLO exam. This is a nationally uniform standard β€” the same passing score applies in all 50 states.
What is the MLO exam pass rate?
The national average first-attempt pass rate for the SAFE MLO exam is approximately 54%. With structured preparation using practice questions and mock exams, pass rates improve significantly.
What topics are on the MLO exam?
The exam covers 5 content areas: Federal Mortgage-Related Laws (23%), General Mortgage Knowledge (23%), Mortgage Loan Origination Activities (25%), Ethics, Fraud & Consumer Protection (17%), and Uniform State Test Content (12%).
How much does the MLO exam cost?
The SAFE MLO exam fee is $110. You must also complete 20 hours of pre-license education before you can sit for the exam. The exam is administered by Prometric.

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