CT mortgage lender bonds.
From $100. Enter your amount.
Connecticut licenses mortgage lenders through the Department of Banking, and CGS § 36a-492 conditions the license on a single surety bond covering your main office, branch offices, and every mortgage loan originator you sponsor. The penal sum is tiered to your Connecticut residential loan volume — $100,000 up to $500,000. The premium is 0.6% of the bond amount, $100 minimum, your exact price appears at the application, and any credit screen is a soft pull only — it never affects your score.
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Three steps. One sitting.
The bond side of your NMLS license is the easy part. Here's the entire process:
Apply online
Business details, your tier amount, an effective date, and a soft-pull credit consent — a soft inquiry only, so it never affects your score. That is the entire application.
Pay & e-sign
The premium is 0.6% of the bond amount you entered, $100 minimum, and the bond issues the moment you pay — your executed bond and power of attorney generate on the spot.
File through NMLS
Connecticut takes mortgage bonds electronically through NMLS — your executed bond files against your license record at the Department of Banking. Wet-ink original mailed on request.
What it is and who needs it.
What the bond actually guarantees
A Connecticut mortgage lender — a licensee that makes residential mortgage loans in its own name — files a single surety bond with the Banking Commissioner under CGS § 36a-492. One bond covers the main office, all branch offices, and every mortgage loan originator the licensee sponsors; no sponsored MLO license issues without it.
The penal sum is tiered to the residential mortgage loans you originated during the preceding four quarters ending June 30th: $100,000 under $30 million, $200,000 from $30 million to $100 million, $300,000 from $100 million to $250 million, and $500,000 at $250 million and above — with a $100,000 statutory floor.
It's a three-party arrangement: you (the principal), the surety carrier, and the State of Connecticut (the obligee). Borrowers and prospective borrowers damaged by an unsatisfied judgment arising from nonprime home loan work can recover on the bond, and the Banking Commissioner can proceed on it for civil penalties, restitution, and examination costs. It is not insurance for you — if the surety pays, you repay the surety.
You need this bond if you're
One application, issued instantly.
These are the actual issuing fields — business details, your tier amount, and a soft-pull credit consent that never affects your score.
Start the application →Common questions.
Other Connecticut bonds.
Finish your mortgage lender license today.
0.6% of the bond amount, $100 minimum, issued the moment you pay. Free until issued.