Expert Answers to NMLS Exam MLO Questions

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SAFE MLO Mortgage Loan Origination (SAFE MLO) Exam

Mortgage Loan Origination (SAFE MLO) Exam

Last Update Jan 19, 2026
Total Questions : 230

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Questions 2

A borrower who knowingly makes false statements on a federally related mortgage loan to obtain property may be:

Options:

imprisoned for 10 to 16 months

fined up to JB10,000 or imprisoned for 6 months.

fined up to $1 million and imprisoned for 30 years.

fined up to the total purchase price of their home.

Discussion 0

Questions 3

Which of the following responses describes servicing transfers?

Options:

The transfer of an appraisal from one lender to another

The transfer of a HUD case number from one lender to another

The transfer of the responsibility to collect payments on the loan from one lender to another

The transfer of the processing of a loan to an independent service provider such as a contract processing provider

Discussion 0

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Questions 4

A mortgage loan originator (MLO) submits a refinance application for a primary residence. However, if the MLO later discovers that the property is no longer occupied by the borrower, which of the following actions, if any, should the MLO take?

Options:

Allow the application to be underwritten before raising any concerns

Take no action as the property was occupied at the time of application

Notify the MLO's employer and/or the mortgage lender of the discovery

Allow the mortgage loan processor and/or underwriter to discover this through their due diligence processes

Discussion 0

Questions 5

Which of the following entities has the primary enforcement authority under the Red Flags Rule?

Options:

IRS

Federal Trade Commission

HUD