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NMLS MLO Exam Syllabus Topics:
| Section | Weight | Objectives |
|---|---|---|
| Federal Mortgage-Related Laws | 24% | - TILA, RESPA, ECOA, HMDA, FCRA - Disclosure requirements and timing - Fair lending and consumer protection rules - SAFE Act and federal regulatory framework |
| Ethics | 18% | - Fair lending and anti-discrimination - Ethical practices and professional conduct - Conflict of interest and disclosure obligations - Fraud prevention and detection |
| General Mortgage Knowledge | 20% | - Fixed-rate vs adjustable-rate mortgages - Mortgage terms, concepts and calculations - LTV, DTI, CLTV, PMI, points and fees - Conventional, FHA, VA, USDA loan characteristics |
| Mortgage Loan Origination Activities | 27% | - Borrower qualification and underwriting basics - Closing and post-closing procedures - Loan programs and product types - Loan application process |
| Uniform State Content | 11% | - Compliance and disciplinary standards - License maintenance and renewal - State licensing and regulatory requirements |
NMLS Mortgage Loan Origination (SAFE MLO) Sample Questions:
A mortgage loan originator who informs a prospective borrower that a certain loan interest rate can only be guaranteed if an application is submitted within the next 30 minutes is committing:
- A. Redlining
- B. Discrimination
- C. Coercion
- D. Exaggeration
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A mortgage loan in which a large portion of the borrowed principal is repaid at the end of the loan period is known as a:
- A. qualified mortgage.
- B. FHA mortgage.
- C. balloon mortgage.
- D. deferred-payment mortgage.
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Illegal fee splitting occurs when:
- A. three companies split a fee but one did no work.
- B. wages are split by two employees.
- C. two service providers split a fee.
- D. fees are split between lender and broker.
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Which of the following activities is an example of redlining in mortgage lending?
- A. The act of the mortgage lender putting a "red line" under the borrower's name in a file to indicate they are a substandard applicant
- B. The mortgage loan originator convincing the underwriter to move their loan file to the front of the line or "redline" it
- C. The systematic denial of various services to residents of specific, often racially associated, neighborhoods or communities, either explicitly or through the selective raising of prices
- D. Ensuring that all creditworthy borrowers are afforded equal treatment when applying for a mortgage loan
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Closed-end residential mortgage loan products, which are always classified as nontraditional mortgage loans, include:
- A. Fully amortizing mortgage loans.
- B. High-interest mortgage loans.
- C. 30-year, fixed-rate mortgage loans.
- D. Interest-only mortgage loans.
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