North Carolina loan broker bonds.
$100 flat.
North Carolina requires every loan broker to obtain a $10,000 surety bond in favor of the State of North Carolina under G.S. 66-108, and to file a copy of it with the Secretary of State before advertising or soliciting borrowers. Ours is $100 flat — the price you see is the checkout price. No credit check.
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How much does a North Carolina loan broker bond cost?
$100 at the $10,000 amount, the same for every applicant.
Three steps. One sitting.
The loan broker filing is one of the simplest in North Carolina. Here's the entire process:
Apply online
Business details, an effective date, and a term. That is the application. No credit check.
Pay & e-sign
This bond is checkout-priced at $100 flat, so it issues the moment you pay — your executed bond and power of attorney generate on the spot.
File with the Secretary of State
Your executed bond arrives by email, ready to file with your loan broker filing at the North Carolina Department of the Secretary of State. Wet-ink original mailed on request.
What it is and who needs it.
What the bond actually guarantees
North Carolina regulates loan brokers under Article 20 of Chapter 66 — the Loan Broker Disclosure Act. A loan broker is anyone who, for a fee, procures or attempts to procure a non-mortgage loan for a borrower from a third party. Before advertising or soliciting, the broker must obtain a $10,000 bond in favor of the State of North Carolina (or establish an equivalent trust account at an in-state bank) and file a copy with the Secretary of State.
It is a three-party arrangement: you (the principal), the surety carrier, and the State of North Carolina (the obligee). The bond stands behind the disclosure, contract, and conduct duties the Act imposes — anyone damaged by your breach of contract, by an obligation arising from it, or by a violation of the Article may bring an action against the bond to recover actual damages, capped at the bond amount.
It is not insurance for you — if the surety pays a claim, you repay the surety. The filing has to stay current, so the bond must remain continuously in force; 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 $10,000 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; a longer term is the same price per year, chosen at checkout.
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 with the Secretary of State. Your executed bond arrives by email, ready to file with your loan broker filing at the North Carolina Department of the Secretary of State. Wet-ink original mailed on request.
What sets the price
The premium is fixed at $100 at the $10,000 amount for every applicant: the carrier’s rate book prices this bond by the form, not by your credit or your business profile.
No credit check.
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.
North Carolina mortgage license bonds.
We write 5 mortgage license bonds in North Carolina. Each license has its own bond, amount and price; pick the one your license calls for.
| License bond | Required by | Bond amount | Price |
|---|---|---|---|
| Loan Broker Bond ($10,000) (this page) | N.C.G.S. § 66-108 | $10,000 | $100 |
| Mortgage Broker Bond (NMLS) | N.C.G.S. § 53-244.103 | $75,000 or more | From $450 |
| Mortgage Lender Bond (NMLS) | N.C.G.S. § 53-244.103 | $150,000 or more | From $900 |
| Mortgage Servicer Bond (NMLS) | N.C.G.S. § 53-244.103 | $150,000 or more | From $900 |
| Reverse Mortgage Lender Bond ($100,000) | 04 NCAC 03K · N.C.G.S. Ch. 53, Art. 21 | $100,000 | $600 |
Other North Carolina bonds.
Been told you need a different amount?
Price and requirements checked on the carrier’s application, . Page updated .
Finish your loan broker filing today.
$100 flat, issued the moment you pay, no credit check. Free until issued.