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NMLS Mortgage Loan Origination (SAFE MLO) Sample Questions:

1. According to the Equal Credit Opportunity Act (ECOA), when evaluating a loan applicant's credit worthiness, a creditor is permitted to decline a loan based on which of the following factors?

A) An applicant's income is derived from public assistance
B) An applicant's verified income after underwriting
C) A description of an applicant's race
D) An applicant has exercised his right under the Consumer Credit Protection Act

2. Which of the following information is required to be included on Uniform Residential Loan Application?

A) Appraiser name and address
B) Proof of homeownership counseling
C) Homeowners insurance provider
D) Assets and liabilities

3. Which of the following documents is a real estate conveyance?

A) Mortgage instrument
B) Occupancy certificate
C) Promissory note
D) Quit claim deed

4. Which of the following scenarios is permissible according to the SAFE Act?

A) An underwriter who is functioning as an independent contractor conducts administrative and clerical duties while working under the supervision of a licensed MLO.
B) A third-party underwriter conducts administrative and clerical duties while working under the supervision of a licensed MLO with their organization.
C) An unlicensed assistant to a mortgage loan originator (MLO) conducts MLO activities under the authority of the MLO's unique identifier and licenses.
D) An MLO who is not licensed in a subject property's state still originates the loan under the authority of the company's license in that particular state.

5. How many days must a borrower's mortgage loan be delinquent before the mortgage company is permitted to submit the first notice filing in the foreclosure process?

A) 30 days
B) 120 days
C) 90 days
D) 60 days

Solutions: