Nevada mortgage company bonds.
From $300.
A Nevada mortgage company deposits a corporate surety bond payable to the State of Nevada with the Commissioner under NRS 645B.042. The amount is volume-based: $50,000 up to $20,000,000 in annual loan production, $75,000 above it. The premium is 0.6% of the bond amount.
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How much does a Nevada mortgage company 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.
The mortgage company bond is amount-based, so there is no quote round-trip. Here is the entire process:
Apply online
Company details, your NRS 645B.042 bond amount, an effective date, and a term. No credit check up to $250,000. Above that, the carrier may run a soft pull, which never affects your score.
Pay & e-sign
Your exact premium — 0.6% of the bond amount — is shown before you pay, and the executed bond and power of attorney generate the moment you pay.
File through NMLS
Upload the executed bond to your NMLS mortgage company record for the Nevada Division of Mortgage Lending. Wet-ink original mailed on request.
What it is and who needs it.
What the mortgage company bond guarantees
Nevada licenses mortgage companies and mortgage loan originators under NRS Chapter 645B, administered by the Commissioner at the Division of Mortgage Lending. NRS 645B.042 requires each mortgage company to deposit with the Commissioner, and keep in full force and effect, a corporate surety bond payable to the State of Nevada.
The bond names as principals both the mortgage company and all mortgage loan originators employed by or associated with it — one bond covers the shop. The amount is set by annual loan production: $50,000 up to $20,000,000, and $75,000 above $20,000,000.
It stands behind your compliance with Chapter 645B — the licensing, disclosure, trust-account, and advertising rules that protect Nevada borrowers and investors. It is not insurance for you: if the surety pays a claim, you repay the surety. 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. Upload the executed bond to your NMLS mortgage company record for the Nevada Division of Mortgage Lending. 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 — company details, the bond amount, an effective date, and a term. That is the application.
Start the application →Common questions.
Nevada mortgage license bonds.
We write 3 mortgage license bonds in Nevada. Each license has its own bond, amount and price; pick the one your license calls for.
| License bond | Required by | Bond amount | Price |
|---|---|---|---|
| Exempt Company Registration Bond | NRS 645B.015 · NRS 645B.016 | Varies | From $100 |
| Mortgage Company Bond (this page) | NRS 645B.042 | $50,000 or more | From $300 |
| Mortgage Servicer Bond | NAC 645F.970 (NRS Chapter 645F) | $100,000 or more | From $600 |
Other Nevada bonds.
Price and requirements checked on the carrier’s application, . Page updated .
Get your Nevada mortgage company bond today.
0.6% of the bond amount, issued the moment you pay. Free until issued.