Apps / MLO Exam Prep
MLO Exam Prep
LicensingLive on App StoreMLO Exam Prep is an iOS app for the NMLS SAFE Mortgage Loan Originator license exam — it includes 1,000+ practice questions covering federal mortgage laws (TILA, RESPA, ECOA, HMDA), loan origination activities, ethics, and the Uniform State Content (USC) module, plus a built-in loan payment and APR calculator, for $99.99 with lifetime access, no subscription, works offline.
iOS · Android coming soon · Free to download · $99.99 one-time unlock
Everything You Need to Pass the NMLS SAFE MLO Exam
Loan Payment Calculator
Loan payment and APR calculator built for NMLS exam scenarios
1,000+ Practice Questions
1,000+ NMLS SAFE Act questions covering federal mortgage law and ethics
Works Offline
Full offline access — study anywhere without Wi-Fi
Progress Tracking
Per-topic progress tracking across all NMLS exam content areas
What’s on the MLO Exam Exam?
Topic weights are approximate. VoltExam’s question bank covers every topic area above.
How It Works
Step 01
Download Free
Free to download on the App Store — unlock everything once for $99.99.
Step 02
Practice Daily
Built-in calculators you'll use on the job — not just quizzes.
Step 03
Pass First Try
$99.99 once. No subscriptions. No recurring fees.
Pricing
VoltExam
$99.99one-time
- ✓ Pay once, use forever
- ✓ No monthly fees
- ✓ Full offline access
- ✓ All updates included
Competitors
$60–$180/year
- ✕ Subscription required
- ✕ Lose access if you cancel
- ✕ Often requires Wi-Fi
- ✕ Recurring fees forever
Mortgage Loan Originators Who Passed the SAFE Exam First Try
“Passed my certification on the first try. The built-in calculator is exactly what the exam tests.”
— A. Johnson, Tradesperson, Texas
“Best $99.99 I've spent on exam prep. The practice questions are harder than the real test — in the best way.”
— M. Williams, Tradesperson, Florida
Frequently Asked Questions
How many questions are on the NMLS SAFE MLO exam?
The NMLS SAFE Mortgage Loan Originator National Test has 120 questions: 115 scored questions plus 5 unscored pretest questions. You have 3 hours and 10 minutes. A passing score is 75% (86/115 scored questions). If your state requires a state-specific module (UST), it adds additional questions.
What topics are on the NMLS SAFE exam?
The exam covers federal mortgage-related laws (TILA/RESPA/ECOA/HMDA/SAFE Act) at ~23%, general mortgage knowledge (loan products, underwriting) at ~23%, mortgage loan origination activities at ~25%, ethics at ~16%, and the Uniform State Content (UST) module at ~13%. Federal law and ethics questions are the most heavily weighted.
What is the NMLS MLO exam pass rate?
The national first-time pass rate for the NMLS SAFE exam is approximately 55–60%. The most commonly failed section is federal mortgage law — specifically TRID (TILA-RESPA Integrated Disclosure), HMDA data requirements, and ECOA adverse action rules. VoltExam's MLO Prep focuses heavily on these.
How many times can I retake the NMLS MLO exam?
If you fail the NMLS SAFE exam, you must wait 30 days before retaking it. After three consecutive failures, you must wait 180 days before the next attempt. There is no limit on total attempts. Each retake requires a new registration fee.
Free MLO Exam Prep Practice Questions
Browse topic-by-topic in your browser — no app required
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