MLO Pass is now on the App Store. The app is called MLO Pass: SAFE MLO Test Prep, and it brings the same SAFE exam practice you use on the web to your iPhone and iPad. It's a free download, it needs iOS 17 or later, and your progress syncs with your account at app.mlopass.com.
I built MLO Pass because most people studying for the NMLS SAFE test have jobs, families, and about fifteen spare minutes at a time. A phone is where those fifteen minutes happen. The app is built for that: short sessions, offline flashcards, and reminders that keep you moving without nagging you.
The short version
- What: the MLO Pass iPhone app for the SAFE MLO National Test with Uniform State Test.
- Where: the App Store, for iPhone and iPad on iOS 17 or later.
- Cost: free to download with a free plan. Premium is a one-time purchase with no subscription and no renewals, and it's shared across the web and iPhone apps.
- Your account: sign in with the same MLO Pass account you use on the web. Premium is shared, so if you bought Premium on the web ($99 one time, lifetime access), it's already unlocked in the app, and vice versa. Your progress syncs too.
What you can do in the app
See when you're ready
Your readiness score climbs as you study and shows how close you are to the 75% pass line. You also get a score for each content area, so you can see which one is holding you back. When you're close, take a full, timed mock exam that feels like test day.
Study what the exam tests
Questions are organized by the five SAFE content areas and weighted the way the exam is:
| Content area | Share of the exam |
|---|---|
| Mortgage Loan Origination Activities | 27% |
| Federal Mortgage-Related Laws | 24% |
| General Mortgage Knowledge | 20% |
| Ethics | 18% |
| Uniform State Test | 11% |
Our SAFE MLO test content outline guide breaks down what's inside each area.
Practice that sticks
- Practice by Topic: drill one content area until it clicks.
- Review Mistakes: every question you miss comes back until you get it right.
- AI Trainer: ask why an answer is right and get a plain-English explanation.
- Flashcards: key terms like RESPA, TILA and TRID, and they work offline with no signal needed.
- Arcade: fast study games built on the exam question bank.
Stay on track
Daily streaks and smart reminders skip the days you've already studied. An exam-day countdown adds extra reminders the week of your test. You can also turn on an optional Face ID lock.
Free plan and Premium
The free plan includes one content block, one arcade game, 10 AI Trainer questions a day, offline flashcards, and your readiness score and streaks. Premium unlocks all five content blocks, full mock exams, unlimited AI Trainer and every game. In the app, Premium is a one-time purchase, and the App Store shows the price before you buy. Premium is shared across the web and iPhone apps: buy it on the web ($99 one time, lifetime access) or in the iPhone app, and it unlocks on both with the same account.
Studying on a computer instead? The web version at app.mlopass.com is $99 one time with lifetime access, and code MLOPASS gives you a $20 credit at checkout.
How to get started
- Download MLO Pass from the App Store.
- Sign in with your MLO Pass account, or create a free one.
- Set your exam date so the countdown and reminders line up with your test.
- Take a short baseline set, then drill your weakest content area first.
- Use the flashcards when you have five minutes and no signal.
Want a quick check before you download? Try our free 25-question SAFE practice test in your browser. For a full rundown of the app's features and how it compares with other ways to study on a phone, see our NMLS exam prep app page.
Frequently asked questions
Is the MLO Pass app free?
Yes, it's free to download, and the free plan includes one content block, one arcade game, 10 AI Trainer questions a day, offline flashcards, and your readiness score. Premium is a one-time purchase with no subscription, and it's shared across the web and iPhone apps.
Which devices does the app support?
iPhone and iPad running iOS 17 or later. On any other device, you can study in your browser at app.mlopass.com.
Will my progress carry over from the website?
Yes. Sign in with the same MLO Pass account and your progress syncs. Premium is shared across the web and iPhone apps: buy it on the web ($99 one time, lifetime access) or in the iPhone app, and it unlocks on both with the same account.
Can I study offline?
Yes, the flashcards for key terms like RESPA, TILA and TRID work offline with no signal needed.
Does the app include the Uniform State Test?
Yes. Questions cover all five SAFE content areas, including the Uniform State Test at 11% of the exam.
Who do I contact if something isn't working?
Email info@mlopass.com with your account email, your device, and what happened. Our support page has more help.
Get ready for the SAFE test
The app is one more way to put in the reps. Pair it with a plan: our guide on how to pass the NMLS SAFE exam covers how to schedule your study weeks, and how to schedule the SAFE exam walks through booking your test. If the app has a bug or you get stuck, our support page has help.
Related guides
- NMLS Exam Prep App for iPhone
- NMLS SAFE Practice Test: 25 Free Questions
- How to Pass the NMLS SAFE Exam
- SAFE MLO Test Content Outline
- Best NMLS SAFE Exam Prep (2026)
- MLO Pass Support
Studying with other people taking the SAFE exam? Join the NMLS Test Prep community.