What topics are tested on the MLO license test?

Updated October 13, 2026

The Secure and Fair Enforcement for Mortgage Licensing (SAFE) MLO test consists of the following subjects:
1) Federal mortgage related laws (24% of the exam)
2) Uniform state content (11% of the exam)
3) General mortgage knowledge (20% of the exam)
4) Mortgage loan origination activities (27% of the exam)
5) Ethics (18% of the exam)

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