Free MLO exam tool · practice only
A clearer read on your practice score.
Enter results from a practice set. See your raw percentage and what to study next—without mistaking it for an official SAFE MLO result.
Official exam ≠practice quiz
NMLS lists 120 items, including 5 unscored items. You cannot identify those five while testing. The official score and pass/fail result come from NMLS—not this calculator.
Your practice set
Use the number of questions in your practice set. Do not subtract unscored questions from your own correct-answer count.
Practice result
Use this result to choose your next study block.
NMLS requires a score of at least 75% on the SAFE MLO test. Your practice percentage is not an official score or pass/fail prediction; question difficulty and coverage vary.
On a 120-question set, 90 total correct could include anywhere from 85 to 90 correct among the 115 scored items. The actual exam does not disclose which items were unscored.
How NMLS reports official resultsYour next move
Turn a number into a study decision.
What does the SAFE MLO exam cover?
Use the current NMLS outline—not a guessed question count per topic—to prioritize study.
- Federal Mortgage-Related Laws24%
- General Mortgage Knowledge20%
- Mortgage Loan Origination Activities27%
- Ethics, Fraud & Consumer Protection18%
- Uniform State Test Content11%