SAFE MLO Exam Pass Rate
The reported pass rate gives you context for planning, not a prediction of your result.
What NMLS reports
What the number means for planning
Treat the reported rate as a reason to prepare carefully. It does not determine how any individual will perform, and study materials cannot guarantee a passing score.
How to prepare
Practice by content area, review the explanation for every question, and take full-length practice tests. A score-by-content-area table can help you decide what to review next.
SAFE MLO exam format
The test has 120 multiple-choice questions, with 115 scored. The time limit is 190 minutes, and 75% is needed to pass.
Frequently asked questions
What is the reported first-time pass rate?
NMLS reports 53% as of December 31, 2024.
How many questions are on the test?
There are 120 multiple-choice questions, and 115 are scored.
What score is needed to pass?
A score of 75% is needed to pass.
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Figures last checked October 2026.