SAFE MLO Exam: Master Loan Origination & Credit 🎯

This video covers the Mortgage Loan Origination Activities section of the national test content — a high-priority topic for any aspiring mortgage loan originator.

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Review how applications are taken, what disclosures are required and when, and how lenders evaluate credit, income, ratios, and collateral. This is your must-watch guide to mastering the origination process from start to finish.

🕒 Find What You're Looking For
00:00 – Introduction
Mortgage Loan Origination Activities Overview
00:34 – Application Process and 1003 (URLA)
04:24 – Disclosures and Timing Requirements
07:49 – Credit Report Review
11:41 – Income and Asset Verification
14:43 – DTI, LTV, and Other Key Ratios
18:23 – Title, Appraisal, and Collateral
21:43 – Processing and Underwriting Steps
24:50 – Closing and Post-Closing Activities
27:29 – Advertising Rules and Prohibited Practices
30:14 – Fraud Detection and Red Flags
32:48 – Recordkeeping and Compliance Documentation

📌 Topics Covered:
🎯 How the mortgage application process works
🎯 Completing and understanding the 1003 (URLA)
🎯 Required disclosures: LE, CD, ECOA, etc.
🎯 Evaluating borrower credit, income, and assets
🎯 Key loan ratios: DTI, LTV, CLTV, and more
🎯 Appraisal requirements and title review
🎯 Loan processing, underwriting, and post-closing steps
🎯 Advertising and compliance rules
🎯 Common red flags and fraud detection techniques
🎯 Recordkeeping expectations for MLOs

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👍 Like the video if you found it helpful and comment below with questions.

📚 Helpful Resources:
Birdsy AI – Smarter Mortgage Exam Prep → https://birdsy.ai/mortgage
Official NMLS SAFE Test Handbook → https://nationwidelicensingsystem.org

⚠️ Disclaimer:
This video is for educational use only. Licensing requirements and exam content may vary by state. Verify all details with your licensing agency or official exam provider. Birdsy cannot guarantee outcomes and assumes no liability for exam performance.