Question 1

What is the passing score for the NMLS SAFE Mortgage Loan Originator Exam?

Accepted Answer

The passing score for the NMLS SAFE Mortgage Loan Originator Exam is 75%. The exam has 125 questions and a 190-minute time limit.

Question 2

How many questions are on the NMLS SAFE Mortgage Loan Originator Exam?

Accepted Answer

The NMLS SAFE Mortgage Loan Originator Exam has 125 questions and a time limit of 190 minutes.

Question 3

What topics are covered on the NMLS SAFE Mortgage Loan Originator Exam?

Accepted Answer

The NMLS SAFE Mortgage Loan Originator Exam covers 5 domains: Federal Mortgage-Related Laws (23%), General Mortgage Knowledge (23%), Mortgage Loan Origination Activities (25%), Ethics (16%), Uniform State Content (13%).

Question 4

What does RESPA stand for, and what is its primary purpose?

Accepted Answer

Real Estate Settlement Procedures Act. Its primary purpose is to require disclosures about settlement costs and prohibit kickbacks and referral fees in federally related mortgage transactions.

Question 5

Under RESPA, what is the maximum penalty for a violation of the anti-kickback provision (Section 8)?

Accepted Answer

Up to $10,000 in fines, up to one year in prison, or both, per violation.

Question 6

What is a 'controlled business arrangement' (AfBA) under RESPA, and what must be disclosed?

Accepted Answer

An affiliated business arrangement (AfBA) exists when a settlement service provider refers business to an affiliate. The referrer must disclose the arrangement in writing at or before the time of referral.

NMLS SAFE Mortgage Loan Originator Exam Practice Test & Study Guide (2026)

Don't miss the launch.

NMLS SAFE Mortgage Loan Originator Exam Practice Test & Study Guide (2026)

Don't miss the launch.

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