Alabama mortgage license surety bonds

Alabama Mortgage License Bonds

Alabama mortgage license applicants may need a surety bond for a Mortgage Brokers License, a Consumer Credit Act License, or another lending license tied to Alabama mortgage activity. This page helps Alabama businesses choose the correct mortgage license bond path before starting a quote.

Jet Insurance Company helps Alabama mortgage brokers, residential lenders, and consumer credit licensees quote, purchase, renew, and file required surety bonds. Use the cards below to choose the Alabama mortgage license bond that matches your application or renewal.

Choose My Alabama Bond View Pricing Get an Alabama Mortgage Bond Quote

Last updated: July 2026. Alabama mortgage license bond requirements may change. Confirm the final license type, bond amount, bond form, filing method, renewal instructions, and NMLS requirements with the Alabama State Banking Department or NMLS before filing.

Alabama Mortgage License Bond Quick Answers

Which bonds are covered?

This hub covers the Alabama Mortgage Broker Bond and the Alabama Consumer Credit Bond.

What are the bond limits?

Common Alabama mortgage license bond limits are $25,000, $50,000, and $75,000, based on prior-year loan volume.

What is the lowest listed Jet price?

Preferred pricing starts at $125 per year or $13 monthly for a $25,000 bond.

How do I get help?

Call (855) 516-3348 or email [email protected].

Choose Your Alabama Mortgage License Bond

Select the Alabama bond that matches the license application, NMLS record, renewal notice, or Alabama State Banking Department instructions you are working from. This hub is built to send applicants to the correct bond path quickly.

Alabama Mortgage Broker Bond

Choose this bond if you are applying for or maintaining an Alabama Mortgage Brokers License. The Alabama State Banking Department directs Mortgage Brokers License applicants to NMLS.

Common fit: Companies brokering, arranging, or assisting with mortgage loans for Alabama borrowers.

Common limits: $25,000, $50,000, or $75,000 based on prior-year loan volume.

View Alabama Mortgage Broker Bond Page

Get Mortgage Broker Bond Quote

Alabama Consumer Credit Bond

Choose this bond if you are applying for or maintaining an Alabama Consumer Credit Act License. Alabama states that companies extending credit or arranging credit secured by residential real estate must apply through NMLS as a Residential Lender.

Common fit: Companies acting as lenders or arranging credit in Alabama under the Consumer Credit Act licensing path.

Common limits: $25,000, $50,000, or $75,000 based on prior-year loan volume.

View Alabama Consumer Credit Bond Page

Get Consumer Credit Bond Quote

Not sure which Alabama bond you need? Check the license name on your NMLS record, Alabama application, or renewal notice. If the activity involves residential mortgage credit, confirm whether the license is Mortgage Broker, Consumer Credit Residential Lender, or another Alabama Bureau of Loans license type before purchasing.

Alabama Mortgage License Bond Pricing

Alabama Mortgage Broker and Consumer Credit Bond limits are commonly listed as $25,000, $50,000, or $75,000 based on the dollar volume of loans closed, originated, or funded in the previous calendar year. Use the table below to estimate preferred Jet pricing before starting a quote.

Bond Limit Prior-Year Loan Volume Monthly 1 Year 2 Years 3 Years
$25,000 $0 to $25,000,000 $13 $125 $219 $313
$50,000 $25,000,001 to $100,000,000 $25 $250 $438 $625
$75,000 Over $100,000,000 $38 $375 $656 $938

Pricing shown is preferred-tier pricing and may vary based on underwriting approval, license type, selected term, and final required bond amount.

Get Alabama Mortgage License Bond Pricing

Start a quote online and select the Alabama bond that matches your license. Jet can help confirm the correct limit, bond name, NMLS authority, and filing instructions before the bond is issued.

Questions? Call (855) 516-3348 or email [email protected].

Get My Alabama Mortgage Bond Quote

Alabama Mortgage License Bond Requirements

Alabama mortgage license bond requirements depend on the license type and the business activity. The table below is designed as a routing guide so users can click into the correct bond page when those individual pages are live.

Alabama License Path Bond Page Common Limits Application or Filing System Quote
Mortgage Brokers License Alabama Mortgage Broker Bond $25,000, $50,000, or $75,000 NMLS Get Mortgage Broker Quote
Consumer Credit Act License for residential real estate credit Alabama Consumer Credit Bond $25,000, $50,000, or $75,000 NMLS Residential Lender path Get Consumer Credit Quote
Consumer Credit Act License for non-residential lending Alabama Consumer Credit Bond $25,000, $50,000, or $75,000 Alabama State Banking Department non-residential lender application path Get Consumer Credit Quote

NMLS authority: When an Alabama mortgage license bond is filed as an electronic surety bond through NMLS, use Jet Insurance Company NAIC number 17858 when granting surety authority.

Alabama Mortgage Broker Bond

The Alabama Mortgage Broker Bond is for businesses applying for or maintaining an Alabama Mortgage Brokers License. Alabama directs Mortgage Brokers License original applications through NMLS.

License Type

Alabama Mortgage Brokers License.

Common Applicant

Companies that broker, arrange, or assist with mortgage loans for Alabama borrowers.

Pricing Range

Preferred pricing starts at $125 yearly or $13 monthly for the $25,000 bond limit.

Go to Alabama Mortgage Broker Bond Page

Alabama Consumer Credit Bond

The Alabama Consumer Credit Bond is for businesses applying for or maintaining an Alabama Consumer Credit Act License. Alabama states that companies extending credit or arranging credit secured by residential real estate must apply through NMLS as a Residential Lender. Non-residential lenders use the Alabama State Banking Department application path.

License Type

Alabama Consumer Credit Act License.

Common Applicant

Companies acting as lenders or arranging credit in Alabama under the Consumer Credit Act licensing path.

Pricing Range

Preferred pricing starts at $125 yearly or $13 monthly for the $25,000 bond limit.

Go to Alabama Consumer Credit Bond Page

How Alabama Mortgage License Bond Quotes Work

1

Choose the Alabama License

Select Mortgage Broker, Consumer Credit, or another Alabama mortgage license bond path based on your application or NMLS record.

2

Confirm the Bond Limit

Choose the $25,000, $50,000, or $75,000 limit based on prior-year loan volume or the amount shown in the Alabama license checklist or NMLS record.

3

Buy and File

After purchase, Jet provides the bond and filing guidance. If the bond is filed through NMLS, Jet can complete the eligible ESB filing after authority is granted.

Start My Alabama Mortgage License Bond Quote

Need an Alabama Mortgage License Bond?

Start by choosing the Alabama bond that matches your license. Jet can help with quote review, bond purchase, NMLS authority when applicable, and filing guidance.

Preferred pricing starts at $125 per year or $13 monthly for qualified $25,000 Alabama Mortgage License Bonds.

Questions? Call (855) 516-3348 or email [email protected].

Get My Alabama Mortgage Bond Quote

How Are Alabama Mortgage License Bonds Filed?

Filing depends on the Alabama license type and current application instructions. Mortgage Broker applications are directed to NMLS. Consumer Credit companies extending or arranging credit secured by residential real estate are also directed through NMLS as Residential Lenders. Non-residential Consumer Credit applicants use the Alabama State Banking Department process.

NMLS Filing

For Alabama mortgage license bonds handled through NMLS, the licensee must grant surety authority before Jet can complete the eligible electronic surety bond filing.

State Filing

Some Alabama Consumer Credit filings may use the Alabama State Banking Department process rather than a mortgage NMLS workflow. Confirm the filing method before submitting the bond.

Bond Changes

If the business name, trade name, address, ownership, NMLS record, or bond amount changes, contact Jet before filing an updated bond or rider.

Read NMLS Electronic Surety Bond Filing Instructions

Alabama Mortgage License Bond Renewals and Cancellations

Renewing Your Bond

Alabama Mortgage Broker and Consumer Credit renewals begin November 1 for the license year ending December 31. Keep your bond active through renewal to avoid licensing issues.

Email Jet for Renewal Help

Cancelling Your Bond

Do not cancel a required Alabama mortgage license bond until the license is surrendered, replaced, or no longer needs the bond. A cancellation without replacement can affect the license.

Email Jet for Cancellation Help

Replacing Your Bond

If changing surety companies, make sure the replacement bond is issued and accepted before the prior bond cancellation creates a gap.

Email Jet for Replacement Help

How to Avoid Alabama Mortgage License Bond Claims

  • Use the exact legal name, trade name, and license type shown on the Alabama application or NMLS record.
  • Confirm whether the bond is for the Mortgage Brokers License, the Consumer Credit Act License, or another Alabama mortgage license.
  • Confirm the correct $25,000, $50,000, or $75,000 bond limit before purchase.
  • Maintain the required bond for the full period required by Alabama.
  • Do not conduct regulated Alabama activity before the license is approved.
  • Keep borrower, consumer, loan, payment, and disclosure records organized.
  • Respond promptly to Alabama State Banking Department, NMLS, and consumer requests.
  • Renew the license and bond on time.
  • Contact Jet before replacing, cancelling, or changing the bond.

Read the Mortgage License Bond Claims Guide

Want to Know More About Mortgage Bond Processes?

Mortgage License Bonds Guide

Review mortgage broker, lender, servicer, MLO, finance lender, and finance broker bond information.

Read the Guide

Electronic Surety Bond Filing Through NMLS

Learn how electronic surety bond execution works through NMLS for company license filings.

Read the Filing Guide

Bond Claim Process

Find out what causes a mortgage license bond claim and what happens after a claim is made.

Read the Claims Guide

Alabama Mortgage License Bonds FAQ

What are Alabama Mortgage License Bonds?

Alabama Mortgage License Bonds are surety bonds tied to Alabama mortgage or lending license requirements. The most common paths on this hub are the Alabama Mortgage Broker Bond and the Alabama Consumer Credit Bond.

Which Alabama mortgage license bond do I need?

Check the license name on your Alabama application, NMLS record, or renewal notice. If the license is Mortgage Brokers License, start with the Alabama Mortgage Broker Bond. If the license is Consumer Credit Act License, start with the Alabama Consumer Credit Bond.

What Alabama mortgage license bond limit do I need?

Common Alabama mortgage license bond limits are $25,000, $50,000, or $75,000 based on prior-year loan volume. Confirm the final bond amount in the Alabama checklist, NMLS record, renewal notice, or written regulator instruction before purchasing.

How much does an Alabama Mortgage License Bond cost with Jet?

Preferred pricing starts at $125 per year or $13 monthly for a $25,000 bond. Preferred pricing for a $50,000 bond starts at $250 per year or $25 monthly, and preferred pricing for a $75,000 bond starts at $375 per year or $38 monthly.

Are Alabama Mortgage Broker and Consumer Credit bonds the same?

No. They are connected to different Alabama license paths. A business should confirm the exact license type and bond requirement shown on its Alabama application, NMLS record, or renewal notice.

Who regulates Alabama Mortgage License Bonds?

The Alabama State Banking Department regulates these license types through its Bureau of Loans.

Are Alabama Mortgage License Bonds filed through NMLS?

Some are. Alabama directs Mortgage Brokers License applications through NMLS, and Consumer Credit companies extending or arranging credit secured by residential real estate are directed through NMLS as Residential Lenders. Non-residential Consumer Credit filings may use the Alabama State Banking Department process.

What is Jet Insurance Company NAIC number for NMLS?

Jet Insurance Company NAIC number is 17858. Use this number when granting Jet authority as your surety company in NMLS.

When do Alabama Mortgage Broker and Consumer Credit renewals start?

Alabama State Banking Department renewal information states that Mortgage Broker and Consumer Credit Act renewals start on November 1 for the license year ending December 31.

Who should I contact for help with an Alabama mortgage license bond?

Call Jet at (855) 516-3348 or email [email protected] for help with quoting, bond selection, NMLS filing, renewals, replacements, or bond changes.

Get the Alabama Mortgage License Bond Required for Your License

Start by choosing the Alabama bond that matches your license application. Jet will help with quoting, bond purchase, renewal support, and eligible electronic filing when applicable.

Preferred pricing starts at $125 per year or $13 monthly.

Call: (855) 516-3348
Email: [email protected]

Get My Alabama Mortgage License Bond Quote

Notary Bond Application:

X

Business Information:

Indemnity Agreement:

I, the undersigned, hereby apply for a Dishonesty Bond also known as a Business Service Bond or Janitorial Service Bond (“bond”) to the Surety Company (“SURETY”) through Jet Insurance Company (“JET”), with whom I hereby grant the authority to act on my behalf with respect to the bond and assign as my Broker of Record, and declare that the statements herein are true and correct. In consideration of the SURETY issuing, renewing or substituting said bond(s), I, individually and as the owner or officer of the bonded entity, hereby understand and agree, as follows: (i) to reimburse, hold harmless, and indemnify SURETY upon demand for all loss, liability, claim, expense, including but not limited to attorneys’ fees, expert’s fees, investigative fees and claims handling fees, and any other cost which SURETY shall pay or incur in defense, adjustment, or settlement of such claims/suits by reason of such suretyship; (ii) that an itemized statement of loss and expenses by SURETY shall be indisputable proof of my liability to SURETY; (iii) coverage is subject to a $100 deductible; (iv) the employee must be convicted before coverage will apply (v) performance and any form of dispute resolution of this agreement shall take place in the county of SURETY's office of service; and (vi) a facsimile copy or electronically signed version of this agreement shall be binding as if it were an original. This agreement shall survive any changes in, substitute to or renewal of the bond(s).

Required Effect Date of Bond Policy:

Contact Information:

Employee Dishonesty Bond Application:

Business Information:

Business Description:

Coverage Requirements:

Indemnity Agreement:

I, the undersigned, hereby apply for a Dishonesty Bond also known as a Business Service Bond or Janitorial Service Bond (“bond”) to the Surety Company (“SURETY”) through Jet Insurance Company (“JET”), with whom I hereby grant the authority to act on my behalf with respect to the bond and assign as my Broker of Record, and declare that the statements herein are true and correct. In consideration of the SURETY issuing, renewing or substituting said bond(s), I, individually and as the owner or officer of the bonded entity, hereby understand and agree, as follows: (i) to reimburse, hold harmless, and indemnify SURETY upon demand for all loss, liability, claim, expense, including but not limited to attorneys’ fees, expert’s fees, investigative fees and claims handling fees, and any other cost which SURETY shall pay or incur in defense, adjustment, or settlement of such claims/suits by reason of such suretyship; (ii) that an itemized statement of loss and expenses by SURETY shall be indisputable proof of my liability to SURETY; (iii) coverage is subject to a $100 deductible; (iv) the employee must be convicted before coverage will apply (v) performance and any form of dispute resolution of this agreement shall take place in the county of SURETY's office of service; and (vi) a facsimile copy or electronically signed version of this agreement shall be binding as if it were an original. This agreement shall survive any changes in, substitute to or renewal of the bond(s).

Required Effect Date of Bond Policy:

Contact Information:

Contract Bond Application:

X

Business Information:

Owner Information:

Job Details:

Indemnity Agreement:

I, the undersigned, hereby apply for a Dishonesty Bond also known as a Business Service Bond or Janitorial Service Bond (“bond”) to the Surety Company (“SURETY”) through Jet Insurance Company (“JET”), with whom I hereby grant the authority to act on my behalf with respect to the bond and assign as my Broker of Record, and declare that the statements herein are true and correct. In consideration of the SURETY issuing, renewing or substituting said bond(s), I, individually and as the owner or officer of the bonded entity, hereby understand and agree, as follows: (i) to reimburse, hold harmless, and indemnify SURETY upon demand for all loss, liability, claim, expense, including but not limited to attorneys’ fees, expert’s fees, investigative fees and claims handling fees, and any other cost which SURETY shall pay or incur in defense, adjustment, or settlement of such claims/suits by reason of such suretyship; (ii) that an itemized statement of loss and expenses by SURETY shall be indisputable proof of my liability to SURETY; (iii) coverage is subject to a $100 deductible; (iv) the employee must be convicted before coverage will apply (v) performance and any form of dispute resolution of this agreement shall take place in the county of SURETY's office of service; and (vi) a facsimile copy or electronically signed version of this agreement shall be binding as if it were an original. This agreement shall survive any changes in, substitute to or renewal of the bond(s).

Required Effect Date of Bond Policy:

Contact Information:

Worker's Compensation Application:

X

Business Information:

Business Description:

Coverage Requirements

Indemnity Agreement:

I, the undersigned, hereby apply for a Dishonesty Bond also known as a Business Service Bond or Janitorial Service Bond (“bond”) to the Surety Company (“SURETY”) through Jet Insurance Company (“JET”), with whom I hereby grant the authority to act on my behalf with respect to the bond and assign as my Broker of Record, and declare that the statements herein are true and correct. In consideration of the SURETY issuing, renewing or substituting said bond(s), I, individually and as the owner or officer of the bonded entity, hereby understand and agree, as follows: (i) to reimburse, hold harmless, and indemnify SURETY upon demand for all loss, liability, claim, expense, including but not limited to attorneys’ fees, expert’s fees, investigative fees and claims handling fees, and any other cost which SURETY shall pay or incur in defense, adjustment, or settlement of such claims/suits by reason of such suretyship; (ii) that an itemized statement of loss and expenses by SURETY shall be indisputable proof of my liability to SURETY; (iii) coverage is subject to a $100 deductible; (iv) the employee must be convicted before coverage will apply (v) performance and any form of dispute resolution of this agreement shall take place in the county of SURETY's office of service; and (vi) a facsimile copy or electronically signed version of this agreement shall be binding as if it were an original. This agreement shall survive any changes in, substitute to or renewal of the bond(s).

Required Effect Date of Bond Policy:

Contact Information: