NMLS practice exam: 120 questions in 190 minutes

120 questions · 190 minutes · 115 scored · 75% to pass

The real format: 120 four-option questions in 190 minutes. 115 are scored and drawn in the outline’s share for each content area (31 loan origination, 27 federal law, 23 general mortgage knowledge, 21 ethics, 13 Uniform State Content); 5 unscored pretest questions are mixed in, as on the real test. The passing line here is 87 of 115 (75%), an approximation because the real test equates each form for difficulty, and you get a score for every content area and a review of every question with its explanation.

Line drawing of a computer screen showing a question with four answer circles, a keyboard, a mouse and a stopwatch

Before you start

Every question has four options and one correct answer, as on the real test. Each explanation says why the answer is right and why the most tempting wrong answer is wrong; calculations show the arithmetic.
As on the real test, you can skip questions, go back, change answers and mark questions for review. The clock keeps running in background tabs and reloads; when time runs out, your answers are submitted.

Create a free account before you start

Create a free account to start. Every drill includes one free attempt. An NMLS pass unlocks the full timed practice exam and unlimited drills in all five content areas.

Original practice questions written to the SAFE MLO National Test with Uniform State Test Content Outline. Independent practice, not affiliated with or endorsed by NMLS, the Conference of State Bank Supervisors or the State Regulatory Registry.