NH mortgage banker bonds.
$600 flat.
New Hampshire licenses nondepository mortgage bankers under RSA 397-A, and every applicant must post a continuous surety bond in the minimum amount of $100,000 to the bank commissioner — filed through NMLS with the license. Ours is $600 flat at that statutory minimum, 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.
Mortgage banker bonds are among the simplest filings in surety. Here's the entire process:
Apply online
Business details, an effective date, and a term. That is the entire application — no financial statements, and any credit screen is a soft pull that never shows as a hard inquiry.
Pay & e-sign
This bond is checkout-priced at $600 flat, so it issues the moment you pay — your executed bond and power of attorney generate on the spot.
Upload to NMLS
Your executed bond arrives by email, ready to attach to your NMLS company record for the banking department. Wet-ink original mailed on request.
What it is and who needs it.
What the bond actually guarantees
New Hampshire licenses nondepository mortgage bankers, brokers, and servicers under RSA 397-A, administered by the banking department. RSA 397-A:5, III(c) requires a mortgage banker applicant to post a continuous surety bond in the minimum amount of $100,000 running to the commissioner, and the commissioner can set coverage that reflects the loan volume originated by the licensee's mortgage loan originators.
It's a three-party arrangement: you (the principal), the surety carrier, and the bank commissioner (the obligee). The bond stands behind your compliance with the chapter — the licensing, disclosure, fee, and conduct rules that protect New Hampshire borrowers whose loans you originate and fund. The surety must give the commissioner 30 days' written notice before cancellation or termination.
It is not insurance for you — if the surety pays a claim, you repay the surety, and you must immediately file a replacement bond after a successful action. Recovery can be pursued up to six years after the act complained of, so the bond stays continuous; 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 — business details, an effective date, and a term. That is the entire application.
Start the application →Common questions.
Other New Hampshire bonds.
Finish your mortgage banker license today.
$600 flat, issued the moment you pay, soft pull only. Free until issued.