Unofficial practice on the uniform state content of the SAFE MLO test, answered from the SAFE Act and Regulation H.
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Unofficial practice questions, not affiliated with NMLS, the Conference of State Bank Supervisors or any state regulator. Bank checked October 11, 2026.
The real test: what its handbook says
To pass
75% right
Time limit
190 minutes
Fee
$110
Retakes
30 days after a first or second failed test, 180 days after every third
Valid for
Until five years in a row pass without a license or a federal registration
Format
120 multiple-choice items: 115 scored and 5 unscored, as of April 5, 2021.
Appointment
225 minutes, which includes a tutorial and an optional survey.
A broker has an assistant physically collect each borrower's application and hand it to him, and he then negotiates the terms for a fee. Has the broker taken the application?12 CFR 1008.103(c)(1), eCFR text dated 2026-10-01, read 2026-10-11. Outline: Uniform State Content, License Law and Regulation
A clerk opens the mail, finds a completed loan application and forwards it, without review, to the loan approval staff. Under Appendix A to Regulation H, has the clerk taken an application?12 CFR part 1008, Appendix A(a)(1)(ii)(A), eCFR text dated 2026-10-01, read 2026-10-11. Outline: Uniform State Content, License Law and Regulation
A licensed attorney negotiates mortgage terms for a client. Which is one of Appendix D's conditions for not needing a loan originator license?12 CFR part 1008, Appendix D(b), eCFR text dated 2026-10-01, read 2026-10-11. Outline: Uniform State Content, License Law and Regulation
A licensed real estate agent performs only real estate brokerage activities. When does the SAFE Act's loan originator definition still reach the agent?12 U.S.C. 5102(4)(A)(iii), United States Code, 2024 edition (govinfo.gov), read 2026-10-11. Outline: Uniform State Content, License Law and Regulation
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Who must be licensed, continued
A loan officer presents particular loan terms to a borrower but has no authority to bind the lender. Under Appendix A to Regulation H, has she offered or negotiated terms?12 CFR part 1008, Appendix A(b)(1)(i), eCFR text dated 2026-10-01, read 2026-10-11. Outline: Uniform State Content, License Law and Regulation
A loan processor is an employee who performs clerical or support duties under a licensed originator's supervision. Which of these would mean she must be licensed herself?12 U.S.C. 5103(b)(1), United States Code, 2024 edition (govinfo.gov), read 2026-10-11. Outline: Uniform State Content, License Law and Regulation
A loan processor may contact a consumer to get information needed for underwriting. What must that conversation not include?12 CFR 1008.23, eCFR text dated 2026-10-01, read 2026-10-11. Outline: Uniform State Content, License Law and Regulation
A salesperson steers borrowers to one lender because that lender gives him an incentive, and he expects to be paid for it. Under Regulation H, what is he doing?12 CFR 1008.103(c)(2), eCFR text dated 2026-10-01, read 2026-10-11. Outline: Uniform State Content, License Law and Regulation
A State may leave employees of a "bona fide nonprofit organization" unlicensed. Which tax status must the State find the organization has?12 CFR 1008.103(e)(7)(ii)(A), eCFR text dated 2026-10-01, read 2026-10-11. Outline: Uniform State Content, License Law and Regulation
An employee of a city housing agency originates loans only as part of her official duties. Must a State require her to hold a loan originator license under Regulation H?12 CFR 1008.103(e)(6), eCFR text dated 2026-10-01, read 2026-10-11. Outline: Uniform State Content, License Law and Regulation
An independent contractor wants to work as a loan processor on residential mortgage loans. What does the SAFE Act require?12 U.S.C. 5103(b)(2), United States Code, 2024 edition (govinfo.gov), read 2026-10-11. Outline: Uniform State Content, License Law and Regulation
An individual finances the sale of her own residence to the buyer, one time. Under Appendix B to Regulation H, is she engaged in the business of a loan originator?12 CFR part 1008, Appendix B(a)(1), eCFR text dated 2026-10-01, read 2026-10-11. Outline: Uniform State Content, License Law and Regulation
Besides a license or a registration, what must an individual obtain before engaging in the business of a loan originator?12 U.S.C. 5103(a), United States Code, 2024 edition (govinfo.gov), read 2026-10-11. Outline: Uniform State Content, State Mortgage Regulatory Agencies
Employees of a bank's subsidiary can be registered loan originators when the subsidiary is owned and controlled by a depository institution and meets what other condition?12 U.S.C. 5102(8)(A)(ii), United States Code, 2024 edition (govinfo.gov), read 2026-10-11. Outline: Uniform State Content, License Law and Regulation
For a processor to count as supervised by a licensed originator, Appendix C to Regulation H asks for an "actual nexus." Which of these is not enough?12 CFR part 1008, Appendix C(c), eCFR text dated 2026-10-01, read 2026-10-11. Outline: Uniform State Content, License Law and Regulation
For the nonprofit exclusion in Regulation H, an employee must act as a loan originator only on loans with what kind of terms?12 CFR 1008.103(e)(7)(i), eCFR text dated 2026-10-01, read 2026-10-11. Outline: Uniform State Content, License Law and Regulation
In a commercial context, an individual habitually hands out business cards and rate lists saying he can take mortgage applications and negotiate terms for pay. Is he engaged in the business of a loan originator?12 CFR 1008.103(b)(2), eCFR text dated 2026-10-01, read 2026-10-11. Outline: Uniform State Content, License Law and Regulation
In Regulation H, an "employee" is an individual whose work is controlled by a person and whose compensation is reported on which form?12 CFR 1008.23, eCFR text dated 2026-10-01, read 2026-10-11. Outline: Uniform State Content, License Law and Regulation
Under Regulation H, an individual is "engaged in the business of a loan originator" when acting how?12 CFR 1008.103(b), eCFR text dated 2026-10-01, read 2026-10-11. Outline: Uniform State Content, License Law and Regulation
Under the SAFE Act, a loan originator is an individual who does which two things?12 U.S.C. 5102(4)(A)(i), United States Code, 2024 edition (govinfo.gov), read 2026-10-11. Outline: Uniform State Content, Licensee qualifications and application process
What counts as acting "for compensation or gain" under Appendix A to Regulation H?12 CFR part 1008, Appendix A(c)(1), eCFR text dated 2026-10-01, read 2026-10-11. Outline: Uniform State Content, License Law and Regulation
Which activity is not offering or negotiating loan terms under Appendix A to Regulation H?12 CFR part 1008, Appendix A(b)(2)(i), eCFR text dated 2026-10-01, read 2026-10-11. Outline: Uniform State Content, License Law and Regulation
Which individual is a registered loan originator, and not a State-licensed one, under the SAFE Act?12 U.S.C. 5102(8), United States Code, 2024 edition (govinfo.gov), read 2026-10-11. Outline: Uniform State Content, License Law and Regulation
Which loan is a "residential mortgage loan" under the SAFE Act?12 U.S.C. 5102(9), United States Code, 2024 edition (govinfo.gov), read 2026-10-11. Outline: Uniform State Content, License Law and Regulation
Which of these does the SAFE Act's definition of "depository institution" expressly include?12 U.S.C. 5102(3), United States Code, 2024 edition (govinfo.gov), read 2026-10-11. Outline: Uniform State Content, License Law and Regulation
Which of these does the SAFE Act's definition of loan originator leave out?12 U.S.C. 5102(4)(A)(iv), United States Code, 2024 edition (govinfo.gov), read 2026-10-11. Outline: Uniform State Content, License Law and Regulation
Which of these is an Appendix B example of someone who generally is not engaged in the business of a loan originator?12 CFR part 1008, Appendix B(a)(3), eCFR text dated 2026-10-01, read 2026-10-11. Outline: Uniform State Content, License Law and Regulation
Getting and keeping a license 26
A licensed originator must be covered by a net worth requirement or a surety bond, or else do what, as the State supervisory authority requires?12 CFR 1008.105(f), eCFR text dated 2026-10-01, read 2026-10-11. Outline: Uniform State Content, Licensee qualifications and application process
A licensed originator plans a year's 8 hours of continuing education: 3 hours of Federal law and 2 hours of ethics. Which other topic does the SAFE Act name?12 U.S.C. 5105(b)(1)(C), United States Code, 2024 edition (govinfo.gov), read 2026-10-11. Outline: Uniform State Content, License maintenance
A registered loan originator leaves a bank for a State-licensed mortgage company and applies for a State license. If she meets the Act's conditions, what may she do while the application is pending?12 U.S.C. 5117(b)(1), United States Code, 2024 edition (govinfo.gov), read 2026-10-11. Outline: Uniform State Content, NMLS requirements
A State-licensed originator applies in a new State. For temporary authority there, she must have been licensed in another State during what period before submitting the application information?12 U.S.C. 5117(c)(1)(C), United States Code, 2024 edition (govinfo.gov), read 2026-10-11. Outline: Uniform State Content, NMLS requirements
A State-licensed originator sits through a full-day lending seminar that NMLS has never reviewed or approved. Do those hours meet the SAFE Act's annual continuing education requirement?12 U.S.C. 5105(b)(2), United States Code, 2024 edition (govinfo.gov), read 2026-10-11. Outline: Uniform State Content, License maintenance
An applicant must demonstrate three qualities "such as to command the confidence of the community." Which three?12 U.S.C. 5104(b)(3), United States Code, 2024 edition (govinfo.gov), read 2026-10-11. Outline: Uniform State Content, Licensee qualifications and application process
An applicant pleaded nolo contendere to a felony four years before applying. How do the minimum standards treat the plea?12 CFR 1008.105(b)(1), eCFR text dated 2026-10-01, read 2026-10-11. Outline: Uniform State Content, Licensee qualifications and application process
An applicant's loan originator license was once revoked in another State, and that revocation was later formally vacated. How does Regulation H's minimum standard treat it?12 CFR 1008.105(a), eCFR text dated 2026-10-01, read 2026-10-11. Outline: Uniform State Content, Licensee qualifications and application process
An individual originates loans under temporary authority. To what extent do the SAFE Act and the application State's law apply to her?12 U.S.C. 5117(d)(2), United States Code, 2024 edition (govinfo.gov), read 2026-10-11. Outline: Uniform State Content, NMLS requirements
An originator took an approved continuing education course last year. May the same course count toward this year's requirement?12 CFR 1008.107(b), eCFR text dated 2026-10-01, read 2026-10-11. Outline: Uniform State Content, License maintenance
As part of personal history and experience, what must an applicant authorize NMLS to obtain?12 U.S.C. 5104(a)(2), United States Code, 2024 edition (govinfo.gov), read 2026-10-11. Outline: Uniform State Content, Licensee qualifications and application process
Besides continuing education, what must a State require before it renews a loan originator license?12 CFR 1008.107(a)(1), eCFR text dated 2026-10-01, read 2026-10-11. Outline: Uniform State Content, License maintenance
The felony standard for a State license covers convictions and pleas in which courts?12 U.S.C. 5104(b)(2), United States Code, 2024 edition (govinfo.gov), read 2026-10-11. Outline: Uniform State Content, Licensee qualifications and application process
For temporary authority, a loan originator coming from a bank must have been registered in NMLS during what period before submitting the application information?12 U.S.C. 5117(b)(1)(E), United States Code, 2024 edition (govinfo.gov), read 2026-10-11. Outline: Uniform State Content, NMLS requirements
NMLS reviews and approves pre-licensing courses. What does the SAFE Act bar it from doing?12 U.S.C. 5104(c)(3)(A), United States Code, 2024 edition (govinfo.gov), read 2026-10-11. Outline: Uniform State Content, Licensee qualifications and application process
Of the annual continuing education a State must require for renewal, at least how many hours must cover Federal law and regulations?12 CFR 1008.107(a)(2)(i), eCFR text dated 2026-10-01, read 2026-10-11. Outline: Uniform State Content, License maintenance
Temporary authority ends on the earliest of several dates. If the application is listed on NMLS as incomplete, when does it end?12 U.S.C. 5117(b)(2)(D), United States Code, 2024 edition (govinfo.gov), read 2026-10-11. Outline: Uniform State Content, NMLS requirements
Under Regulation H, which loans must a loan originator make sure are included in reports of condition sent to NMLS?12 CFR 1008.111(f), eCFR text dated 2026-10-01, read 2026-10-11. Outline: Uniform State Content, NMLS requirements
Under Regulation H, whose law decides whether a particular crime counts as a felony for the license standard?12 CFR 1008.105(b)(2)(ii), eCFR text dated 2026-10-01, read 2026-10-11. Outline: Uniform State Content, Licensee qualifications and application process
Under the SAFE Act's minimum standards, a past revocation of a loan originator license bars a new license if it happened where?12 U.S.C. 5104(b)(1), United States Code, 2024 edition (govinfo.gov), read 2026-10-11. Outline: Uniform State Content, Licensee qualifications and application process
Under the SAFE Act, a State's minimum net worth or surety bonding requirements must reflect what?12 U.S.C. 5107(d)(6), United States Code, 2024 edition (govinfo.gov), read 2026-10-11. Outline: Uniform State Content, Licensee qualifications and application process
Under the SAFE Act, who develops the written test for a State license, and who gives it?12 U.S.C. 5104(d)(1), United States Code, 2024 edition (govinfo.gov), read 2026-10-11. Outline: Uniform State Content, Licensee qualifications and application process
What must each mortgage licensee submit to NMLS under the SAFE Act's "mortgage call reports" provision?12 U.S.C. 5104(e), United States Code, 2024 edition (govinfo.gov), read 2026-10-11. Outline: Uniform State Content, NMLS requirements
Which individual does not qualify for temporary authority under the SAFE Act?12 U.S.C. 5117(b)(1)(A), United States Code, 2024 edition (govinfo.gov), read 2026-10-11. Outline: Uniform State Content, NMLS requirements
Which of these events ends an individual's temporary authority to originate?12 U.S.C. 5117(b)(2)(B), United States Code, 2024 edition (govinfo.gov), read 2026-10-11. Outline: Uniform State Content, NMLS requirements
Which of these is not among the subject areas the SAFE Act lists for a qualified written test?12 U.S.C. 5104(d)(2), United States Code, 2024 edition (govinfo.gov), read 2026-10-11. Outline: Uniform State Content, Licensee qualifications and application process
Regulators and enforcement 22
A State enacts legislation that affects its compliance with the SAFE Act. What must the State do under Regulation H?12 CFR 1008.115(a), eCFR text dated 2026-10-01, read 2026-10-11. Outline: Uniform State Content, State Mortgage Regulatory Agencies
A State found out of compliance is making a good-faith effort to meet the requirements. How long may the CFPB give it to comply?12 CFR 1008.115(d), eCFR text dated 2026-10-01, read 2026-10-11. Outline: Uniform State Content, State Mortgage Regulatory Agencies
A State supervisory authority is accredited under the mortgage accreditation program of the two state regulator associations. What follows under Regulation H?12 CFR 1008.113(b), eCFR text dated 2026-10-01, read 2026-10-11. Outline: Uniform State Content, State Mortgage Regulatory Agencies
An originator says he holds no license and argues that the State licensing agency therefore cannot examine him. What does the SAFE Act say?12 U.S.C. 5114(3), United States Code, 2024 edition (govinfo.gov), read 2026-10-11. Outline: Uniform State Content, Compliance
The CFPB makes an initial determination that a State is not in compliance and publishes it in the Federal Register. For at least how long is public comment open?12 CFR 1008.115(b), eCFR text dated 2026-10-01, read 2026-10-11. Outline: Uniform State Content, State Mortgage Regulatory Agencies
The CFPB's Director determines that a State's licensing system does not meet the SAFE Act's minimum requirements. What must the Director then do?12 U.S.C. 5107(a), United States Code, 2024 edition (govinfo.gov), read 2026-10-11. Outline: Uniform State Content, State Mortgage Regulatory Agencies
During an examination, whom may a State licensing agency interview about a licensee's business?12 U.S.C. 5114(2), United States Code, 2024 edition (govinfo.gov), read 2026-10-11. Outline: Uniform State Content, Compliance
For criminal history background checks, what role may the Conference of State Bank Supervisors play under the SAFE Act?12 U.S.C. 5110(b), United States Code, 2024 edition (govinfo.gov), read 2026-10-11. Outline: Uniform State Content, State Mortgage Regulatory Agencies
For what must a State supervisory authority be able to suspend, terminate or refuse to renew a loan originator license?12 CFR 1008.111(b)(5), eCFR text dated 2026-10-01, read 2026-10-11. Outline: Uniform State Content, State Mortgage Regulatory Agencies
Under Regulation H's minimum, whom must a State's cease and desist order be able to reach?12 CFR 1008.111(b)(4), eCFR text dated 2026-10-01, read 2026-10-11. Outline: Uniform State Content, State Mortgage Regulatory Agencies
Under Regulation H's performance standards, how must a supervisory authority examine or investigate its licensees?12 CFR 1008.113(a)(4), eCFR text dated 2026-10-01, read 2026-10-11. Outline: Uniform State Content, State Mortgage Regulatory Agencies
Under Regulation H, a State supervisory authority must be able to impose civil money penalties on whom?12 CFR 1008.111(b)(6), eCFR text dated 2026-10-01, read 2026-10-11. Outline: Uniform State Content, State Mortgage Regulatory Agencies
Under the SAFE Act, how often may a State licensing agency review, investigate or examine a loan originator?12 U.S.C. 5114(1), United States Code, 2024 edition (govinfo.gov), read 2026-10-11. Outline: Uniform State Content, State Mortgage Regulatory Agencies
Under the SAFE Act, what must the State supervisory authority ensure about every State-licensed loan originator operating in the State?12 U.S.C. 5107(d)(2), United States Code, 2024 edition (govinfo.gov), read 2026-10-11. Outline: Uniform State Content, State Mortgage Regulatory Agencies
What happens if the CFPB's Director determines that NMLS is failing to meet the SAFE Act's requirements and purposes?12 U.S.C. 5108, United States Code, 2024 edition (govinfo.gov), read 2026-10-11. Outline: Uniform State Content, State Mortgage Regulatory Agencies
What must a loan originator make available to the State licensing agency on request?12 U.S.C. 5114(2), United States Code, 2024 edition (govinfo.gov), read 2026-10-11. Outline: Uniform State Content, Compliance
What must State law require the supervisory authority to report regularly to NMLS?12 CFR 1008.111(d), eCFR text dated 2026-10-01, read 2026-10-11. Outline: Uniform State Content, State Mortgage Regulatory Agencies
What process must a State supervisory authority have in place for information held in NMLS?12 CFR 1008.111(e), eCFR text dated 2026-10-01, read 2026-10-11. Outline: Uniform State Content, State Mortgage Regulatory Agencies
Where the CFPB runs a State's licensing system and examines a loan originator, who bears the cost of the examination?12 CFR 1008.401(b)(5), eCFR text dated 2026-10-01, read 2026-10-11. Outline: Uniform State Content, State Mortgage Regulatory Agencies
Which of these does the SAFE Act's State examination section expressly forbid a person under examination to do?12 U.S.C. 5114(4), United States Code, 2024 edition (govinfo.gov), read 2026-10-11. Outline: Uniform State Content, Compliance
Which of these is not among the enforcement actions that Regulation H's performance standards give as examples?12 CFR 1008.113(a)(3), eCFR text dated 2026-10-01, read 2026-10-11. Outline: Uniform State Content, State Mortgage Regulatory Agencies
Which power must a State supervisory authority have under Regulation H?12 CFR 1008.111(b)(2), eCFR text dated 2026-10-01, read 2026-10-11. Outline: Uniform State Content, State Mortgage Regulatory Agencies
The SAFE Act and NMLS 14
A State's open records law gives material in NMLS less confidentiality than the SAFE Act does. Which governs?12 U.S.C. 5111(c), United States Code, 2024 edition (govinfo.gov), read 2026-10-11. Outline: Uniform State Content, SAFE Act
For what may a unique identifier be used?12 U.S.C. 5102(13)(A)(iii), United States Code, 2024 edition (govinfo.gov), read 2026-10-11. Outline: Uniform State Content, State Mortgage Regulatory Agencies
Material given to NMLS keeps its confidentiality under Federal and State law. Which NMLS material does the Act's confidentiality section not cover, because it is there for the public?12 U.S.C. 5111(d), United States Code, 2024 edition (govinfo.gov), read 2026-10-11. Outline: Uniform State Content, SAFE Act
NMLS forms a reasonable belief that a security breach has occurred. What must it do under Regulation H?12 CFR 1008.305(b), eCFR text dated 2026-10-01, read 2026-10-11. Outline: Uniform State Content, State Mortgage Regulatory Agencies
One objective the SAFE Act sets for NMLS is about consumers. What must the system give them?12 U.S.C. 5101(7), United States Code, 2024 edition (govinfo.gov), read 2026-10-11. Outline: Uniform State Content, SAFE Act
The SAFE Act lets NMLS charge reasonable fees to cover its costs. Who may not be charged for access to its information?12 U.S.C. 5109, United States Code, 2024 edition (govinfo.gov), read 2026-10-11. Outline: Uniform State Content, State Mortgage Regulatory Agencies
The SAFE Act was enacted as Title V of which law?12 CFR 1008.1(a), eCFR text dated 2026-10-01, read 2026-10-11. Outline: Uniform State Content, SAFE Act
Through which two organizations did the SAFE Act encourage the States to establish the Nationwide Mortgage Licensing System and Registry?12 U.S.C. 5101, United States Code, 2024 edition (govinfo.gov), read 2026-10-11. Outline: Uniform State Content, SAFE Act
To the extent the Conference of State Bank Supervisors maintains NMLS, what must it provide to the CFPB each year?12 CFR 1008.303, eCFR text dated 2026-10-01, read 2026-10-11. Outline: Uniform State Content, State Mortgage Regulatory Agencies
To the greatest extent possible, what are States to use unique identifiers in place of?12 U.S.C. 5102(13)(B), United States Code, 2024 edition (govinfo.gov), read 2026-10-11. Outline: Uniform State Content, State Mortgage Regulatory Agencies
Under the SAFE Act's definition, for how long does a unique identifier identify a loan originator?12 U.S.C. 5102(13)(A)(i), United States Code, 2024 edition (govinfo.gov), read 2026-10-11. Outline: Uniform State Content, State Mortgage Regulatory Agencies
Which federal agency issues Regulation H, the rule that carries out the SAFE Act for State licensing?12 CFR 1008.1(a), eCFR text dated 2026-10-01, read 2026-10-11. Outline: Uniform State Content, SAFE Act
Which is true of the word "State" as Regulation H defines it?12 CFR 1008.23, eCFR text dated 2026-10-01, read 2026-10-11. Outline: Uniform State Content, SAFE Act
With whom may confidential material in NMLS be shared without losing its privilege or confidentiality?12 U.S.C. 5111(a), United States Code, 2024 edition (govinfo.gov), read 2026-10-11. Outline: Uniform State Content, State Mortgage Regulatory Agencies
How this list was compiled: Our own questions on the Uniform State Content area of the SAFE MLO National Test with Uniform State Test Content Outline, published in the MLO Testing Handbook of the NMLS Resource Center (https://mortgage.nationwidelicensingsystem.org/knowledge/products/nmls/pubs/testingHbk/education/mlo_testing/mlo_test_faq/mlo_testing_hbk_testOutline-1.html, read 2026-10-11), which gives that area 11% of the test. Every answer was read on 2026-10-11 in one of the two federal texts the outline lists for it: the S.A.F.E. Mortgage Licensing Act, 12 U.S.C. 5101 to 5117, in the United States Code, 2024 edition, as published by the Government Publishing Office (https://www.govinfo.gov/content/pkg/USCODE-2024-title12/html/USCODE-2024-title12-chap51.htm), and Regulation H, 12 CFR part 1008 with its appendices A to D, as shown on the eCFR (https://www.ecfr.gov/current/title-12/part-1008, text dated 2026-10-01, the same as the text current through 2026-10-08). Each question names the section its answer was read from and links to it. Licence: Questions, choices and explanations are original work of this site. The statute and the regulation they describe are works of the United States Government.
How it works
This unofficial NMLS UST practice test has 89 questions of our own: who must be licensed, getting and keeping a license, regulators and enforcement, the SAFE Act and NMLS. It is not affiliated with NMLS, the Conference of State Bank Supervisors or any state regulator.
Read the full guide
What the uniform state content is
The content outline in the MLO Testing Handbook gives Uniform State Content 11% of the SAFE MLO National Test with Uniform State Test. Its heading is the SAFE Act and the state regulators' model state law: who needs a license, qualifications, renewal, NMLS requirements and compliance.
What these questions cover
All 89 answers were read in two federal texts the outline lists: the SAFE Act (12 U.S.C. 5101 to 5117) and Regulation H (12 CFR part 1008). Topics neither text settles, such as advertising and record retention, are left out. Pre-licensing hours, the pass mark and retake waits are asked on the MLO practice test.
Exam mode
The handbook gives no question count for this content area alone. Exam mode here asks 20, our number.
Two temporary authority clocks: registered in NMLS during the past year when leaving a bank, licensed elsewhere during the past 30 days when changing States.
A processor or underwriter who is an independent contractor needs a license; a supervised employee doing only clerical or support duties does not.
Taking an application alone is not enough: the Act's definition also needs offering or negotiating terms for compensation or gain.
Questions and answers
Is this NMLS UST practice test free?
Yes. All 89 questions are free with no sign-up, and your answers stay in your browser.
Is the UST a separate test?
Not in the handbook read on October 11, 2026. It lists one test, the SAFE MLO National Test with Uniform State Test, and uniform state content is one of its content areas.
Do I have to pass the UST again for each state?
No. The handbook's FAQ says the SAFE MLO Test needs to be passed only once, and that passing it meets the state-specific test requirements of state agencies.
Does this cover my state's mortgage law?
No. Every question rests on the SAFE Act and Regulation H, which set the minimum each State's licensing law must meet. For a State's own statute, read that State regulator's material.
Are these real NMLS test questions?
No. Every question is our own, and none is copied or reworded from the real test, its sample questions or a prep course. NMLS is the Nationwide Mortgage Licensing System and Registry, and this site is not part of it.