NMLS Exam Prep: MLO Practice

NMLS Exam Prep: MLO Practice — A focused study app for the SAFE Mortgage Loan Originator National Test with UST. Built for working professionals preparing for NMLS licensure.

WHAT'S INSIDE

1,240 practice and mock questions across the five SAFE test domains, weighted to match the official outline:
• Federal Mortgage-Related Laws (TILA, RESPA, ECOA, TRID, HMDA, GLBA, SAFE Act)
• Mortgage Loan Origination Activities (licensing, LO comp, ATR-QM, URLA, underwriting, HOEPA/HPML, appraisal, disclosures)
• General Mortgage Knowledge (LTV/PMI, DTI, PITI, points, ARM, conventional, FHA, VA, USDA, refinance)
• Ethics (UDAAP, fair lending, fraud, MAP/Reg N advertising, RESPA Section 8, GLBA privacy)
• Uniform State Test (state agencies, license law, compliance, advertising, enforcement)

DIFFERENT FROM OTHER NMLS APPS
• Every answer key cross-checked by independent LLM blind audit — the most common complaint about competing apps is wrong answer keys. We fix that as a baseline.
• 100% original questions written from public sources (eCFR, CFPB, HUD, VA, NMLS resource center). Not scraped from prior exams.
• Detailed explanations on every question, with citations to the underlying regulation.

HOW IT WORKS
• Practice mode — drill any subset of questions, see explanation immediately.
• Mock exam — 120-question timed test (190 min, matching real exam length and weighting).
• Performance analytics — weak-domain heatmap, mastery tracking, missed-question review.
• Bookmarks + flags — mark hard questions for spaced re-review.
• Works offline after first download.

PRICING
$12.99 monthly | $32.99 every 3 months | $59.99 yearly (US prices; auto-renewing, cancel anytime in Google Play).

OFFICIAL SOURCES
Questions are written from these public government and regulator sources:
• SAFE Act / Regulation H: https://www.ecfr.gov/current/title-12/chapter-X/part-1008
• Regulation Z (TILA/TRID): https://www.ecfr.gov/current/title-12/chapter-X/part-1026
• Regulation X (RESPA): https://www.ecfr.gov/current/title-12/chapter-X/part-1024
• Regulation B (ECOA): https://www.ecfr.gov/current/title-12/chapter-X/part-1002
• HUD / FHA single-family housing: https://www.hud.gov/program_offices/housing/sfh
• NMLS SAFE MLO test information: https://mortgage.nationwidelicensingsystem.org/profreq/testing/Pages/Testing.aspx

DISCLAIMER
This app is not a government app and does not represent any government entity. It is an independent study aid, not affiliated with, endorsed by, or sponsored by NMLS, CSBS, the CFPB, HUD, or any state regulator.

Terms of Use (EULA): https://preplicense.com/us/mortgage/terms/
Privacy Policy: https://preplicense.com/us/mortgage/privacy/

Recent changes:
Now on Google Play: full question bank, timed mock exams, weak-area analysis and mistake review.