SAFE Mortgage Loan Originator Test Content Outline: National Component with Uniform State Content

SAFE Mortgage Loan Originator Test Content Outline: National Component with Uniform State ContentOfficial and comprehensive National Component Content Outline with Uniform State Content for the SAFE Mortgage Loan Originator (MLO) Test. This master exam blueprint outlines the complete framework for the test, consisting of 115 scored and 10 unscored questions. This document serves as an indispensable rapid-review study tracker, meticulously breaking down the five primary core knowledge domains required to pass the exam: 1. Federal Mortgage-Related Laws (23%): Comprehensive subtopic compliance lists for RESPA (Regulation X), ECOA (Regulation B), TILA (Regulation Z), HOEPA Section 32, Higher-Priced Mortgage Loans (HPML), Loan Originator Compensation rules, and the TILA-RESPA Integrated Disclosure Rule (TRID). 2. Other Federal Laws & Guidelines: Target review lists for HMDA (Regulation C), FCRA/FACTA, FTC Red Flag Rules, Bank Secrecy Act/Anti-Money Laundering (BSA/AML), Gramm-Leach-Bliley Act (GLBA), Mortgage Acts and Practices Advertising (Regulation N), E-SIGN Act, USA PATRIOT Act, and the Homeowners Protection Act (PMI Cancellation)[cite: 9]. 3. General Mortgage Knowledge (23%): Core syllabus areas for Qualified Mortgages (QM) vs. Non-QM programs, Conventional/Conforming rules (Fannie Mae & Freddie Mac), Government Loans (FHA, VA, USDA), Subprime lending parameters, and diverse mortgage products (Fixed, ARMs, Balloon loans, Reverse/HECM, HELOCs, and Interest-Only options)[cite: 9]. 4. Mortgage Loan Origination Activities (25%): Complete tracking parameters for the Loan Inquiry/Application process (Form 1003), compliance disclosure timing (Loan Estimates and Closing Disclosures), borrower qualification analysis (assets, income, liabilities, DTI ratios), appraisal methodology, and financial calculations[cite: 9]. 5. Ethics (16%) & Uniform State Content (13%): Review metrics covering redlining, kickbacks, steering, fraud detection (asset, occupancy, income), and state compliance under the SAFE Act and CSBS/AARMR Model State Law—including licensing maintenance, NMLS registry rules, and continuing education expectations[cite: 9]. Includes the full official National Component reference list of federal codes and agency source materials for ultimate study cross-referencing[cite: 9]!