DE mortgage broker bonds.
$150 flat.
Delaware licenses mortgage loan brokers through the Office of the State Bank Commissioner under Chapter 21 of Title 5, and 5 Del. C. § 2108 requires every licensee to file a corporate surety bond in the principal sum of $25,000. Ours is $150 flat, the price you see is the checkout price, and the bond issues the moment you pay. Any credit screen is a soft pull only — it never affects your score.
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Three steps. One sitting.
Mortgage broker license bonds are among the simplest filings in surety. Here's the entire process:
Apply online
Business details, an effective date, and a term. That is the entire application — no financials, and any credit screen is a soft pull that never shows as a hard inquiry.
Pay & e-sign
This bond is checkout-priced at $150 flat, so it issues the moment you pay — your executed bond and power of attorney generate on the spot.
File with the State Bank Commissioner
Your executed bond arrives by email, ready to file with your mortgage loan broker license — Delaware administers licensing through the NMLS. Wet-ink original mailed on request.
What it is and who needs it.
What the bond actually guarantees
Delaware requires anyone brokering mortgage loans on Delaware residential real estate to hold a mortgage loan broker license from the Office of the State Bank Commissioner under Chapter 21 of Title 5. Section 2108 requires every licensee to file an original corporate surety bond of $25,000, written by a surety authorized to transact business in Delaware, with a term commensurate with the license period or continuous.
It's a three-party arrangement: you (the principal), the surety carrier, and the State of Delaware (the obligee). The bond runs to the State for the benefit of the Office of the State Bank Commissioner and of all consumers injured by any wrongful act, omission, default, fraud, or misrepresentation by a licensee in the course of its licensed activity.
It is not insurance for you — if the surety pays a claim, you repay the surety. The bond's expiration date can be no earlier than the date your license expires, so it has to stay continuously on file; we track the term and send renewal notices 60 and 30 days out.
You need this bond if you're
One application, issued instantly.
These are the actual issuing fields — business details, an effective date, and a term. That is the entire application.
Start the application →Common questions.
Other Delaware bonds.
Finish your mortgage broker license today.
$150 flat, issued the moment you pay, soft pull only. Free until issued.