ME mortgage loan originator bonds.
$300 flat.
Maine licenses mortgage loan originators through NMLS under the state SAFE Act, and 9-A M.R.S. §13-113 requires an MLO who is not covered by an employer's bond to maintain a surety bond — this filing carries a $50,000 penal sum in favor of the State, on file with the Bureau of Consumer Credit Protection. Ours is $300 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.
MLO license bonds are among the simplest filings in surety. Here's the entire process:
Apply online
Your 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 $300 flat, so it issues the moment you pay — your executed bond and power of attorney generate on the spot.
File through NMLS
Your executed bond arrives by email, ready to satisfy the surety-bond requirement on your NMLS record with the Bureau of Consumer Credit Protection. Wet-ink original mailed on request.
What it is and who needs it.
What the bond actually guarantees
Maine adopted the SAFE Act framework in Article 13 of its Consumer Credit Code, and the Bureau of Consumer Credit Protection licenses mortgage loan originators through NMLS. Under 9-A M.R.S. §13-113, each licensed MLO must be covered by a surety bond — either the originator's own bond or an employing supervised lender's or mortgage loan broker's bond — with the penal sum maintained at the amount the Bureau's rules establish. This filing is the $50,000 individual bond.
It's a three-party arrangement: you (the principal), the surety carrier, and the State of Maine (the obligee). The bond stands behind your compliance with Article 13 — the licensing, conduct, and disclosure rules that protect Maine borrowers — and a consumer harmed by a violation can look to the bond for recovery.
It is not insurance for you — if the surety pays a claim, you repay the surety, and §13-113 requires a licensee to file a new bond immediately after any successful claim. The bond has to stay continuously on file with your license; 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, an effective date, and a term. That is the entire application.
Start the application →Common questions.
Other Maine bonds.
Finish your MLO license filing today.
$300 flat, issued the moment you pay, soft pull only. Free until issued.