Delaware mortgage lender bonds.
From $300.
Looking for the Delaware mortgage broker bond?
Looking for the Delaware mortgage loan originator bond?
Delaware licenses mortgage lenders as licensed lenders through the Office of the State Bank Commissioner, and 5 Del. C. § 2208 requires a corporate surety bond the Commissioner sets at $50,000 to $200,000, scaled to your Delaware loan volume. Our premium is 0.6% of the bond amount.
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How much does a Delaware mortgage lender bond cost?
0.6% of the bond amount, from $300 at the $50,000 minimum. Enter your amount in the calculator for the exact price.
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 application. No credit check up to $250,000. Above that, the carrier may run a soft pull, which never affects your score.
Pay & e-sign
The premium is 0.6% of the bond amount — 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
Claims, renewal, filing, and what sets the price.
If a claim is made
A claim comes from the party the bond protects, the obligee named on the form, when the duty the bond guarantees is not met.
The surety investigates and pays a valid claim, up to the bond amount. You then repay the surety: a surety bond is a guarantee of your performance, not insurance for you.
Renewal and term
The premium covers a one-year term from the effective date you choose.
Renew before the expiry date to keep the bond in force: the license, permit or contract it backs expects continuous coverage.
How to file it
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 sets the price
The premium is 0.6% of the bond amount, $100 minimum: the amount the obligee sets moves the price, not your business profile.
No credit check up to $250,000. Above that, the carrier may run a soft pull, which never affects your score.
Where a check runs, it decides approval; the rate is the same for everyone approved.
One application, issued instantly.
These are the actual issuing fields — business details, your bond amount, an effective date, and a term. That is the application.
Start the application →Common questions.
Delaware mortgage license bonds.
We write 3 mortgage license bonds in Delaware. Each license has its own bond, amount and price; pick the one your license calls for.
| License bond | Required by | Bond amount | Price |
|---|---|---|---|
| Mortgage Broker Bond ($25,000) | 5 Del. C. § 2108 | $25,000 | $150 |
| Mortgage Lender Bond (this page) | 5 Del. C. § 2208 | $50,000 or more | From $300 |
| Mortgage Loan Originator Bond | 5 Del. C. § 2415 & 5 Del. Admin. Code 2401-12.0 | $25,000 or more | From $150 |
Other Delaware bonds.
The same bond in nearby states.
Price and requirements checked on the carrier’s application, . Page updated .
Finish your licensed lender license today.
0.6% of the bond amount, issued the moment you pay. Free until issued.