DE mortgage loan originator bonds.
0.6% of the bond amount.
Every licensed mortgage loan originator in Delaware must be covered by a surety bond under the Delaware SAFE Act, 5 Del. C. § 2415 — filed with the Office of the State Bank Commissioner, with the amount tiered to loan volume from a $25,000 minimum for new licensees up to $200,000. 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
Your details, the bond amount your license tier 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 mortgage loan originator license — Delaware administers MLO licensing through the NMLS. Wet-ink original mailed on request.
What it is and who needs it.
What the bond actually guarantees
Delaware licenses individual mortgage loan originators under the Delaware SAFE Act, Chapter 24 of Title 5, implemented by Commissioner's Regulation 2401. Section 2415 requires every licensed originator to be covered by a surety bond, and the regulation tiers the amount to annual Delaware loan volume — a $25,000 minimum for initial licenses, rising to $200,000 at the highest volume bracket.
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 the originator in the course of licensed activity.
It is not insurance for you — if the surety pays a claim, you repay the surety. If you work for a mortgage broker or licensed lender bonded under Chapter 21 or 22, your employer's bond can cover you instead — this bond is for originators who need their own coverage. 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 — your 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 MLO license today.
0.6% of the bond amount, $100 minimum, issued the moment you pay. Free until issued.