District of Columbia mortgage lender bonds.
From $100.
The District licenses mortgage lenders through the Department of Insurance, Securities and Banking, and D.C. Code § 26-1103(i) requires a surety bond with every original and renewal application. The amount is tiered to your DC loan volume, from $12,500 to $50,000. Ours is 0.6% of the bond amount, $100 minimum.
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How much does a District of Columbia mortgage lender bond cost?
0.6% of the bond amount, from $100. Enter your amount in the calculator for the exact price.
Three steps. One sitting.
The bond is the easy part of an NMLS filing. Here is the entire process:
Apply online
Business details, your bond amount tier, 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
This bond is checkout-priced at 0.6% of the bond amount ($100 minimum), so it issues the moment you pay — your executed bond and power of attorney generate on the spot.
File through NMLS
DC mortgage bonds are filed electronically with your license record. Your executed bond arrives by email, ready to associate with your NMLS filing to DISB.
What it is and who needs it.
What the bond actually guarantees
The District regulates mortgage lenders under the Mortgage Lenders and Brokers Act, D.C. Code § 26-1101 et seq., administered by the Department of Insurance, Securities and Banking through NMLS. Section 26-1103(i) requires a surety bond with each original application and every renewal — the license does not issue without it.
It's a three-party arrangement: you (the principal), the surety carrier, and the Commissioner as obligee — the bond runs to the Commissioner for the benefit of the District and any person damaged by a violation of the Act. The amount is tiered to the mortgage loans you originated in the District in the prior year, from $12,500 up to $50,000; an applicant with no DC business in the preceding 3 calendar years files at $12,500.
It is not insurance for you — if the surety pays a claim, you repay the surety. The bond has to stay continuously on file with your NMLS record; we track the term and send renewal notices 60 and 30 days out.
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 through NMLS. DC mortgage bonds are filed electronically with your license record. Your executed bond arrives by email, ready to associate with your NMLS filing to DISB.
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.
District of Columbia mortgage license bonds.
We write 3 mortgage license bonds in District of Columbia. 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 (NMLS) | D.C. Code § 26-1103(i) | Varies | From $100 |
| Mortgage Dual Authority Bond (NMLS) | D.C. Code § 26-1103(i) | Varies | From $100 |
| Mortgage Lender Bond (NMLS) (this page) | D.C. Code § 26-1103(i) | Varies | From $100 |
Other District of Columbia bonds.
The same bond in nearby states.
Price and requirements checked on the carrier’s application, . Page updated .
Finish your NMLS filing today.
0.6% of the bond amount, $100 minimum, issued the moment you pay. Free until issued.