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NMLS SAFE MLO MLO

MLO

考試編碼: MLO

考試名稱: Mortgage Loan Origination (SAFE MLO) Exam

更新時間: 2026-06-18

問題數量: 232 題

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最新的 SAFE MLO MLO 免費考試真題:

1. Redlining in mortgage lending refers to which of the following practices?

A) Highlighting areas of concern on a mortgage application
B) Highlighting areas of concern on an appraisal report
C) Denying services to residents in states that a company is not licensed in
D) Denying services to residents of a certain area based on race or ethnicity


2. When applying for a home equity line of credit (HELOC), consumers should review documentation carefully and be sure that they consider:

A) the APR and the costs of acquiring and maintaining the HELOC.
B) if the company offering the HELOC has deposit accounts insured by the FDIC.
C) if the HELOC is insured by HUD.
D) if the HELOC requires private mortgage insurance


3. A mortgage loan originator (MLO) received a salary of 1% per loan plus a bonus of $5,000 for closing the most loans in the office last year. In addition, he received a trip to Hawaii based on closing 100 or more transactions with an interest rate of 5% or higher. Is the MLO's compensation prohibited?

A) His compensation is permitted as compensation only includes salary and his salary is not based on loan terms.
B) His compensation is not permitted as compensation only includes salary and his salary is based on loan terms.
C) His compensation is permitted as compensation only includes salary and bonuses and his salary and bonus is not based on loan terms.
D) His compensation is not permitted as compensation includes all financial incentives and his trip was awarded based on closing the most loans with certain loan terms.


4. A loan applicant inquires about refinancing his primary residence. He reports receiving a competitor's quote of a 3.5% interest rate with no points. The mortgage loan originator (MLO) discovers that the best interest rate available at this time is 3.75% with no points. To get the applicant a 3.5% interest rate, the applicant needs to pay a 1.00% discount point. Which of the following interest rates is the MLO permitted to offer to the applicant?

A) 3.50% interest rate with no points
B) 3.50% interest rate with a 1.00% discount point
C) 3.00% interest rate with a 0.50% discount point
D) 3.25% interest rate with no points


5. If an applicant provides a waiver for the requirement to receive their appraisal three business days prior to a loan's consummation and the transaction ends up not closing at all, a creditor must still provide a copy of the appraisal no later than how many days after the creditor determines consummation will not occur?

A) 30 days
B) 45 days
C) 10 days
D) 60 days


問題與答案:

問題 #1
答案: D
問題 #2
答案: A
問題 #3
答案: D
問題 #4
答案: B
問題 #5
答案: A

MLO 相關考試
MLO - Mortgage Loan Origination (SAFE MLO) Exam
相關認證
SAFE MLO
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