SAFE MLO exam prep · iPhone
Every part of NMLS exam prep, in one app.
Listen to the study guide, drill flashcards, practice questions and sit timed mock exams. Every answer cites the rule.
Free 10-minute check · No account · One payment, no auto-renewal
Verified for the 2026 SAFE test · Sep 2026
Readiness
By test section
- Federal law 24% of test75%
- Origination FOCUS59%
- General 20% of test67%
- Ethics 18% of test59%
- State (UST) FOCUS50%
How it fits together
Everything here cites the same library.
Set your exam date and you get a daily session of questions, and a chapter of the study guide to listen to. Anything you miss comes back with the rule that decides it, and the passage that rule is written in.
Free
Start with the check.
A 10-minute check across all five test sections. No hints. "I don't know" counts as missed. At the end you see your score against the pass line, section by section.
Your score
One number against the pass line, and the five sections behind it.
Every answer explained
Every question in the check, missed or not, with an explanation and the regulation it comes from.
No account
Nothing to sign up for. Your progress stays on your phone.
With access
A study guide you listen to.
Audio chapters across all five test sections. Every chapter opens the source it comes from.
Federal law · TRIDConsumer protection
The TRID clock
- 3business days Loan Estimate after application
- 3business days Special information booklet, after application
- 7business days Loan Estimate before consummation
- 3business days Closing Disclosure before consummation
That must happen no later than the third business day after the creditor receives the application.
0:38 of 4:50
References · 4
With access
Flashcards for every section of the test.
One fact to a card, with its source.
Consumer protection
Latest a revised Loan Estimate may reach the consumer?
Four business days before consummation
The consumer must receive it no later than four business days before consummation.
Reg Z · 12 CFR §1026.19(e)(4)(ii)
What a missed question looks like
The rule, and where it comes from.
Every question you missed goes into your review queue with an explanation and source.
Federal law · missed
Under the TILA-RESPA Integrated Disclosure rule, a creditor is no longer required to honor the estimated closing costs on a Loan Estimate if the consumer indicates an intent to proceed more than how long after the estimate was provided?
The rule
An intent to proceed expressed more than 10 business days after the Loan Estimate was provided is itself a valid reason to issue revised estimates and reset tolerances. The 3- and 7-business-day figures belong to the delivery and waiting-period rules, not to how long the estimate stays binding.
Reg Z · 12 CFR §1026.19(e)(3)(iv)(E)Free
Search the sources.
Every source behind the questions, gathered into one library. Search it by words or by meaning, and read the passage in the app.
The regulations behind the test
Reg Z, Reg X, Reg B, Reg C, Reg V, the SAFE Act, BSA/AML, FHA and HUD handbooks, VA, USDA, flood rules and CFPB guidance. The text as published, not a summary.
By words or by meaning
Type a section number, a term, or a question in your own words. Filter by source and by section of the test.
Linked to the questions
Each passage shows how many questions test it. Every explanation opens the passage it comes from, and so does every reference in the study guide.
With access
What access adds.
The study guide
Audio chapters across all five test sections.
A daily session
10, 15 or 20 minutes, set by your pace. Weakest sections first.
Flashcards
The facts behind the questions.
Practice your missed questions
They stay in the review queue until you clear them.
New questions every day
Across all five sections: Federal law, Origination, General knowledge, Ethics, and the Uniform State Test.
Timed mock exams
As long as the real test, and scored the same way, with the on-screen calculator.
A readiness number
Projected to exam day. Updated as you practice.
90-Day Access, or Lifetime Access with no expiration.
How you pay
One payment. No auto-renewal.
90-Day Access
$49.99one payment
90 days of full access. No auto-renewal.
- The study guide, flashcards, the daily plan, new questions, mock exams
- When it ends, everything you built is kept
Lifetime Access
$79.99one payment
Full access, no expiration.
- Everything in 90-Day Access
- Every retake, every content update
Prices in US dollars, shown in your currency in the App Store. Purchases go through Apple; refunds are handled by Apple. The check, your score and every explanation from it stay free without buying anything.
The questions
Written from the regulations.
Every question cites the rule it tests: RESPA, TILA, ECOA, the SAFE Act, HMDA, Regulation Z, and the rest of the NMLS content outline. Each one is checked against the regulation, and the review is dated. You see that date in the app.
Follows the 2026 outline
Questions are apportioned the way the test is: Federal law 24%, Origination 27%, General 20%, Ethics 18%, Uniform State Test 11%.
Source on every answer
The section of the CFR or statute that decides it, with the passage quoted. Open it on ecfr.gov from the app.
Nothing from the real test
Every question is original. We do not sell answer keys, and we never ask you about the questions you saw.
Who it is for
First time, or taking it again.
Just over half of first-time candidates pass. If you are taking it again, the check tells you which sections cost you, and they come first in the plan.
Does it tell me if I will pass?
Is this a pre-licensing course?
Does it cover my state?
Is the study guide included?
Can I listen with no signal?
How does the 10% off work?
Are there flashcards?
Android?
Start with the check.
A 10-minute check, your score, and every answer explained, free.