NMLS : MLO Questions & Answers
Updated: Sep 28, 2026
No. of Questions: 232 Questions & Answers with Testing Engine
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NMLS MLO Exam Syllabus Topics:
| Section | Weight | Objectives |
|---|---|---|
| Mortgage Loan Origination Activities | 27% | - Loan Origination Process
|
| General Mortgage Knowledge | 20% | - Mortgage Fundamentals
|
| Uniform State Content | 11% | - State Regulatory Content
|
| Federal Mortgage-Related Laws | 24% | - Federal Mortgage Laws
|
| Ethics | 18% | - Ethical Practices
|
NMLS Mortgage Loan Origination (SAFE MLO) Sample Questions:
According to the Truth in Lending Act (TILA), a dwelling includes which of the following?
- A. An unimproved lot
- B. A timeshare
- C. An individual condominium unit
- D. A six-unit apartment complex
Correct Answer: C 🗳️
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Which of the following service providers is a mortgage loan originator permitted to require a borrower to use in obtaining a mortgage?
- A. A title company
- B. An appraiser
- C. A home inspection company
- D. A homeowners insurance provider
Correct Answer: B 🗳️
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A customer wants an estimate of closing costs for the purchase of a $300,000 property with a 20% down payment. Although she has provided the other five pieces of information, a loan application, per Regulation X, has not been triggered because she has not yet found a property to purchase. Which of the following responses best describes what should be done, if anything, according to Regulation Z when a written cost estimate is given prior to a Loan Estimate?
- A. Regulation Z does not allow a creditor to provide any estimate of costs until a complete loan application has been made by the borrower.
- B. Provide an estimate with the words: "Your actual rate, payment, and costs could be higher. Get an official Loan Estimate before choosing a loan."
- C. Provide an estimate with the following in 12-point font: "This is not an Official Consumer Financial Protection Board (CFPB) Loan Estimate."
- D. Use a fictitious address in order to trigger a loan application so that a Loan Estimate can be provided
Correct Answer: B 🗳️
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Within how many days must a creditor notify an applicant of action taken on a completed mortgage loan application?
- A. 15 days
- B. 60 days
- C. 45 days
- D. 30 days
Correct Answer: D 🗳️
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Prepaid charges include which of the following items?
- A. Credit report fee
- B. Origination fee
- C. Per diem interest
- D. Conveyance tax
Correct Answer: C 🗳️
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