DE mortgage lender bonds.
0.6% of the bond amount.
A mortgage lender making loans in Delaware is licensed as a licensed lender by the Office of the State Bank Commissioner under Chapter 22 of Title 5, and 5 Del. C. § 2208 requires a corporate surety bond in a principal sum the Commissioner sets — not less than $50,000 nor more than $200,000, scaled to your Delaware loan volume. Our premium is 0.6% of the bond amount, $100 minimum, the bond issues the moment you pay, and any credit screen is a soft pull only — it never affects your score.
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Three steps. One sitting.
No underwriting queue — enter your amount, pay, and file with the State Bank Commissioner. Here is the whole thing:
Apply online
Business details, the bond amount your license requires, an effective date, and a term. That is the entire application — any credit screen is a soft pull that never shows as a hard inquiry.
Pay & e-sign
The premium is 0.6% of the bond amount, $100 minimum — your exact price appears before you pay, and the executed bond and power of attorney generate the moment you do.
File with the State Bank Commissioner
Your executed bond arrives by email, ready to file with your licensed lender 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 licenses mortgage lenders and other non-bank lenders as licensed lenders through the Office of the State Bank Commissioner under Chapter 22 of Title 5. Section 2208 requires every licensee to file an original corporate surety bond in a principal sum the Commissioner determines — not less than $50,000 nor more than $200,000 — with the amount scaled to the volume of Delaware lending.
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 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 must stay on file for the full license period; we track the term and send renewal notices 60 and 30 days out. If your Delaware volume grows into a higher bracket, we can rewrite the bond at the new amount.
You need this bond if you're
One application, issued instantly.
These are the actual issuing fields — business details, your bond amount, an effective date, and a term. That is the entire application.
Start the application →Common questions.
Other Delaware bonds.
Finish your licensed lender license today.
0.6% of the bond amount, $100 minimum, issued the moment you pay. Free until issued.