100+ Free DC MLO Practice Questions
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Key Facts: DC MLO Exam
75%
Passing Score
NMLS
55 Q
Exam Questions
NMLS UST
20 hrs
Pre-License Education
DISB
$25,000
Surety Bond
DC
The DC MLO exam covers District of Columbia-specific mortgage laws administered by the Department of Insurance, Securities and Banking (DISB). Combined with the national NMLS SAFE exam, candidates must pass both components to originate mortgages in DC. The District uses non-judicial foreclosure through deeds of trust, and DC has strong tenant and borrower protections under the Mortgage Lender and Broker Act of 1996.
About the DC MLO Exam
The District of Columbia MLO exam tests knowledge of DC-specific mortgage laws, licensing requirements, and consumer protection regulations. This exam is taken alongside the national NMLS SAFE exam component.
Questions
55 scored questions
Time Limit
1 hour 30 minutes
Passing Score
75%
Exam Fee
$110 (DC Department of Insurance, Securities and Banking)
DC MLO Exam Content Outline
DC Licensing Requirements
District-specific education, renewal, and licensing requirements
DC Mortgage Law
District mortgage statutes, usury laws, and lending regulations
Consumer Protection
District disclosure requirements, borrower rights, fair lending
Regulatory Authority
DISB oversight, enforcement, and compliance
Foreclosure Procedures
DC-specific foreclosure process, timelines, and remedies
How to Pass the DC MLO Exam
What You Need to Know
- Passing score: 75%
- Exam length: 55 questions
- Time limit: 1 hour 30 minutes
- Exam fee: $110
Keys to Passing
- Complete 500+ practice questions
- Score 80%+ consistently before scheduling
- Focus on highest-weighted sections
- Use our AI tutor for tough concepts
DC MLO Study Tips from Top Performers
Frequently Asked Questions
What is the DC MLO exam?
The DC MLO exam is the District-specific component of the NMLS licensing test. It covers DC mortgage laws, licensing requirements administered by the Department of Insurance, Securities and Banking (DISB), and District consumer protection regulations. You must pass both this exam and the national SAFE exam.
How many questions are on the DC MLO exam?
The DC MLO exam has 55 questions with a 1 hour 30 minute time limit. You need 75% (approximately 41 correct) to pass. Administered through NMLS at Prometric testing centers.
What DC-specific topics should I study?
Focus on the DC Mortgage Lender and Broker Act, the non-judicial foreclosure process using deeds of trust, DISB enforcement authority, DC's mediation requirements for foreclosure, and the District's specific consumer protection and anti-predatory lending provisions.
What are the DC MLO license requirements?
DC requires 20 hours of NMLS-approved pre-license education, passing scores on both the national and District exams, a background check with fingerprinting, a surety bond of $25,000, and submission of a license application through NMLS. Annual renewal requires continuing education including DC-specific coursework.