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Connecticut mortgage license surety bonds
Connecticut Mortgage License Bonds
Connecticut mortgage companies may need a surety bond for a Mortgage Broker License, Mortgage Correspondent Lender License, Mortgage Lender License, Mortgage Servicer License, Exempt Company Registration, or a combined Mortgage Brokers, Lenders, and/or Servicers bond requirement.
Jet Insurance Company helps Connecticut mortgage brokers, correspondent lenders, lenders, servicers, and exempt registrants quote, purchase, renew, and manage required mortgage license bonds. Use this page to choose the correct Connecticut bond, compare bond limits, view pricing, and prepare for filing.
Need help? Call (855) 516-3348 or email [email protected].
Last updated: July 2026. Connecticut mortgage bond requirements can change. Confirm the final license type, bond amount, form, filing method, and NMLS requirements with the Connecticut Department of Banking or NMLS before filing.
Connecticut Mortgage License Bond Quick Answers
Which bonds are covered?
This page covers Connecticut Mortgage Broker, Mortgage Correspondent Lender, Mortgage Lender, Mortgage Servicer, Exempt Company Registration, and Mortgage Brokers, Lenders, and/or Servicers bonds.
Who regulates these licenses?
The Connecticut Department of Banking regulates mortgage brokers, lenders, correspondent lenders, servicers, and exempt company registrations.
What are common limits?
Common Connecticut mortgage bond limits include $50,000, $100,000, $150,000, $200,000, $300,000, and $500,000. Mortgage servicer bonds are commonly $100,000 per office location.
How do I get help?
Call (855) 516-3348 or email [email protected].
Choose Your Connecticut Mortgage License Bond
Connecticut uses different mortgage license bond structures depending on the authority held by the company. Mortgage brokers, lenders, and correspondent lenders file a single surety bond covering the main office and any branch office. Mortgage servicers maintain bond coverage tied to the office locations from which servicing occurs. Exempt registrants use bond coverage based on the exemption category and sponsored MLO coverage.
Mortgage Broker Bond
For companies licensed as Connecticut mortgage brokers. The bond amount starts at $50,000 and can increase based on aggregate residential mortgage loan volume.
Common limits: $50,000, $100,000, or $150,000
Starting price: $249 for one year or $25 monthly for the $50,000 bond.
Mortgage Correspondent Lender Bond
For Connecticut mortgage correspondent lender licensees. The bond starts at $100,000 and can increase based on aggregate residential mortgage loan volume.
Common limits: $100,000, $200,000, $300,000, or $500,000
Starting price: $499 for one year or $50 monthly for the $100,000 bond.
Mortgage Lender License Bond
For Connecticut mortgage lender licensees. The bond starts at $100,000 and can increase based on aggregate residential mortgage loan volume.
Common limits: $100,000, $200,000, $300,000, or $500,000
Starting price: $499 for one year or $50 monthly for the $100,000 bond.
Mortgage Servicer Bond
For Connecticut mortgage servicer licensees and certain exempt mortgage servicer registrants. The surety bond is commonly $100,000 for each office location from which mortgage servicing occurs.
Common limit: $100,000 per servicing location
Starting price: $499 for one year or $50 monthly for one $100,000 servicing location.
Exempt Company Registration Bond
For exempt companies that need to sponsor and bond mortgage loan originators or sponsor loan processor/underwriter licensing. The bond amount depends on the exemption category and volume tier.
Common limits: $50,000, $100,000, $150,000, $200,000, $300,000, or $500,000 depending on category and loan volume
Starting price: $249 for one year or $25 monthly for the $50,000 bond.
Mortgage Brokers, Lenders, and/or Servicers Bond
For Connecticut mortgage companies that need bond coverage tied to broker, lender, correspondent lender, and/or servicing authority. This option is useful when the bond name or NMLS requirement references multiple authorities.
Common limits: Varies by authority, loan volume, servicing activity, and locations
Starting price: $249 for one year or $25 monthly for a $50,000 bond.
Important: Connecticut mortgage bond amounts depend on the exact license authority, sponsored MLO coverage, aggregate residential mortgage loan volume, servicing activity, and the number of servicing office locations. Always match the bond to the amount shown in NMLS, the Connecticut Department of Banking checklist, or the renewal notice.
Connecticut Mortgage License Bond Pricing
Jet prices Connecticut mortgage license bonds at 0.5% of the bond limit for the one-year term. If the calculated one-year price ends in zero, Jet subtracts $1 before calculating the multi-year options. The two-year price is 1.75 times the one-year price, and the three-year price is 2.5 times the one-year price. Monthly pricing is 10% of the one-year price, rounded when needed.
| Bond Limit | Common Connecticut Use | Monthly | 1 Year | 2 Years | 3 Years |
|---|---|---|---|---|---|
| $50,000 | Mortgage Broker minimum or certain Exempt Company Registration bonds | $25 | $249 | $436 | $623 |
| $100,000 | Mortgage Lender, Mortgage Correspondent Lender, Mortgage Servicer, certain Exempt Company Registration bonds, or higher Mortgage Broker tier | $50 | $499 | $873 | $1,248 |
| $150,000 | Highest statutory Mortgage Broker tier or broker-style Exempt Company Registration tier | $75 | $749 | $1,311 | $1,873 |
| $200,000 | Mortgage Lender, Mortgage Correspondent Lender, lender-style Exempt Company Registration tier, or multi-location servicing coverage when required | $100 | $999 | $1,748 | $2,498 |
| $300,000 | Mortgage Lender, Mortgage Correspondent Lender, lender-style Exempt Company Registration tier, or multi-location servicing coverage when required | $150 | $1,499 | $2,623 | $3,748 |
| $400,000 | Multi-location Mortgage Servicer coverage when four $100,000 servicing locations are required | $200 | $1,999 | $3,498 | $4,998 |
| $500,000 | Highest common Mortgage Lender, Mortgage Correspondent Lender, lender-style Exempt Company Registration tier, or multi-location servicing coverage when required | $250 | $2,499 | $4,373 | $6,248 |
Pricing shown is preferred-tier pricing and may vary based on underwriting approval, bond form, selected term, effective date, final required bond amount, and license requirements.
Get Connecticut Mortgage Bond Pricing
Start a quote online and select the Connecticut mortgage bond that matches your license. Jet can help confirm the correct bond type, bond amount, and filing guidance before issuance.
Questions? Call (855) 516-3348 or email [email protected].
Connecticut Mortgage Bond Requirements
Connecticut mortgage bond requirements depend on the license type and activity. Mortgage brokers, mortgage correspondent lenders, and mortgage lenders must file a single surety bond covering the main office and any branch office. Mortgage servicers must maintain surety bond coverage for each office location from which servicing occurs. Exempt registrant bond requirements depend on the exemption category and sponsored mortgage loan originator coverage.
| Connecticut License or Registration | Bond Amount | How the Amount Is Determined | Quote |
|---|---|---|---|
| Mortgage Broker | $50,000, $100,000, or $150,000 | Based on aggregate residential mortgage loans originated during the preceding four quarters ending June 30. | Get Quote |
| Mortgage Correspondent Lender | $100,000, $200,000, $300,000, or $500,000 | Based on aggregate residential mortgage loans originated during the preceding four quarters ending June 30. | Get Quote |
| Mortgage Lender License | $100,000, $200,000, $300,000, or $500,000 | Based on aggregate residential mortgage loans originated during the preceding four quarters ending June 30. | Get Quote |
| Mortgage Servicer | $100,000 per office location | Based on the number of main and branch office locations from which mortgage servicing occurs. | Get Quote |
| Exempt Company Registration | $50,000 minimum for certain broker-style exempt registrants; $100,000 minimum for certain lender or correspondent-style exempt registrants | Based on exemption category and aggregate residential mortgage loans originated during the preceding four quarters ending June 30. | Get Quote |
| Mortgage Brokers, Lenders, and/or Servicers | Varies by authority, activity, and servicing locations | Use the bond amount shown in NMLS or the Connecticut DOB checklist for the specific license authority. | Get Quote |
2025 servicing update: Beginning October 1, 2025, Connecticut began accepting exempt mortgage servicer registration applications through NMLS for Connecticut-licensed mortgage lenders seeking to act as mortgage servicers from licensed locations. Exempt mortgage servicer registrants and applicants are required to file the required servicing surety bond electronically through NMLS when electronic surety bond functionality is available.
Connecticut Mortgage Broker Bond
The Connecticut Mortgage Broker Bond is required for companies licensed as mortgage brokers. Connecticut law requires licensed mortgage brokers to file a single surety bond covering the main office and any branch office.
| Aggregate Residential Mortgage Loans Originated | Mortgage Broker Bond Amount | Jet 1-Year Price |
|---|---|---|
| Less than $30,000,000 | $50,000 | $249 |
| $30,000,000 to less than $50,000,000 | $100,000 | $499 |
| $50,000,000 or more | $150,000 | $749 |
Connecticut Mortgage Correspondent Lender Bond
The Connecticut Mortgage Correspondent Lender Bond is required for licensed mortgage correspondent lenders. Connecticut law uses the same loan-volume tier structure for mortgage correspondent lenders and mortgage lenders.
| Aggregate Residential Mortgage Loans Originated | Correspondent Lender Bond Amount | Jet 1-Year Price |
|---|---|---|
| Less than $30,000,000 | $100,000 | $499 |
| $30,000,000 to less than $100,000,000 | $200,000 | $999 |
| $100,000,000 to less than $250,000,000 | $300,000 | $1,499 |
| $250,000,000 or more | $500,000 | $2,499 |
Connecticut Mortgage Lender License Bond
The Connecticut Mortgage Lender License Bond is required for licensed mortgage lenders. The bond covers the main office and any branch offices, with the amount based on aggregate residential mortgage loans originated during the preceding four quarters ending June 30.
| Aggregate Residential Mortgage Loans Originated | Mortgage Lender Bond Amount | Jet 1-Year Price |
|---|---|---|
| Less than $30,000,000 | $100,000 | $499 |
| $30,000,000 to less than $100,000,000 | $200,000 | $999 |
| $100,000,000 to less than $250,000,000 | $300,000 | $1,499 |
| $250,000,000 or more | $500,000 | $2,499 |
Connecticut Mortgage Servicer Bond
The Connecticut Mortgage Servicer Bond is required for mortgage servicer applicants, licensees, and certain exempt mortgage servicer registrants. Connecticut mortgage servicer bond requirements apply to the main office and any branch office from which mortgage servicing occurs.
License Type
Connecticut Mortgage Servicer License or applicable exempt mortgage servicer registration.
Common Bond Limit
$100,000 for each office location from which mortgage servicing occurs.
Starting Price
$499 for one year or $50 monthly for one $100,000 servicing location.
Additional coverage note: Connecticut mortgage servicers also have fidelity bond and errors and omissions coverage requirements. Those requirements are separate from the surety bond.
Connecticut Exempt Company Registration Bond
The Connecticut Exempt Company Registration Bond applies when a person claims exemption from mortgage lender, mortgage correspondent lender, or mortgage broker licensure but needs to sponsor and bond mortgage loan originators or sponsor loan processor or underwriter licensing.
Registration Type
Connecticut Exempt Company Registration.
Common Bond Limit
$50,000 minimum for certain exempt registrants and $100,000 minimum for other exempt registrants, with higher limits possible based on loan volume.
Starting Price
$249 for one year or $25 monthly for a $50,000 bond.
Connecticut Mortgage Brokers, Lenders, and/or Servicers Bond
Some Connecticut mortgage companies may see a bond requirement that references multiple mortgage authorities, such as mortgage brokers, lenders, and/or servicers. The correct bond amount depends on the license or registration authority, aggregate residential mortgage loan volume, servicing activity, and office locations.
Broker Authority
Broker bond amounts are commonly $50,000, $100,000, or $150,000.
Lender or Correspondent Authority
Lender and correspondent lender bond amounts are commonly $100,000, $200,000, $300,000, or $500,000.
Servicer Authority
Mortgage servicer bond coverage is commonly $100,000 per office location from which servicing occurs.
How Connecticut Mortgage Bond Quotes Work
1
Choose the License Type
Select Mortgage Broker, Mortgage Correspondent Lender, Mortgage Lender, Mortgage Servicer, Exempt Company Registration, or the combined mortgage bond option.
2
Confirm the Bond Amount
Jet can help match the bond amount to the Connecticut DOB or NMLS requirement, including broker, lender, correspondent lender, servicer, exempt registrant, and combined coverage.
3
Buy and File
After purchase, Jet provides the bond document or filing guidance based on the current Connecticut and NMLS process.
Need a Connecticut Mortgage License Bond?
Jet can help you choose the correct Connecticut mortgage bond, review pricing, and get the bond issued for licensing or registration.
Connecticut mortgage bond pricing starts at $249 for one year or $25 monthly for a $50,000 bond.
Questions? Call (855) 516-3348 or email [email protected].
How Are Connecticut Mortgage Bonds Filed?
Connecticut mortgage company licenses and registrations are generally handled through NMLS. Connecticut has adopted procedures for electronic surety bonds for certain license and registration types, and the exact filing process depends on the specific bond, license, and current NMLS checklist.
For eligible electronic surety bonds, the licensee must grant authority in NMLS before Jet can create or deliver the bond. If Connecticut requires a different filing method for a specific situation, Jet will provide the required bond document or filing guidance.
NMLS Filing
Many Connecticut mortgage license bonds are handled through NMLS. Follow the current Connecticut checklist for the exact license or registration.
Bond Documents
If a document, rider, continuation certificate, or other proof of coverage is required, Jet can provide the needed bond paperwork after purchase.
Bond Changes
Contact Jet before changing the legal name, DBA, NMLS ID, branch locations, servicing locations, bond amount, or license authority.
Connecticut Mortgage Bond Renewals, Changes, and Cancellations
Renewing Your Bond
Keep the Connecticut mortgage bond active for as long as the license or registration requires coverage. Review the bond amount before renewal to confirm it still matches the current requirement.
Changing the Bond Limit
The bond amount may need to change if the license authority, mortgage activity, branch offices, servicing locations, or required Connecticut bond tier changes.
Cancelling or Replacing Your Bond
Do not cancel a required Connecticut mortgage bond until replacement coverage is accepted or the bond is no longer required. A bond gap can create license issues.
What Does a Connecticut Mortgage License Bond Cover?
A Connecticut mortgage license bond is designed to protect the public and the state regulator, not the mortgage business. If a licensed or registered company violates applicable Connecticut mortgage laws, licensing rules, or consumer protection requirements, a consumer or regulator may seek payment from the bond.
A surety bond is different from insurance for the bonded company. If Jet pays a valid claim, the bonded principal is responsible for reimbursing Jet for the amount paid and related costs under the indemnity agreement.
How to Avoid Connecticut Mortgage Bond Claims
- Maintain continuous surety bond coverage for the correct Connecticut bond amount.
- Match the bond to the exact legal name, DBA, NMLS ID, license type, and required bond amount.
- Confirm whether the bond is for broker, correspondent lender, lender, servicer, exempt registration, or combined authority.
- Update the bond when the required amount changes.
- Keep branch office and servicing location information current.
- Do not advertise or represent loan terms in a misleading way.
- Do not charge unauthorized fees.
- Maintain required books, records, and consumer disclosures.
- Respond quickly to Connecticut Department of Banking and NMLS requests.
- Contact Jet before cancelling, replacing, or changing the bond.
Want to Know More About Mortgage Bond Processes?
Popular Mortgage License Bond Guides
Connecticut Mortgage License Bond FAQ
What Connecticut mortgage bonds are covered on this page?
This page covers Connecticut Mortgage Broker, Mortgage Correspondent Lender, Mortgage Lender License, Mortgage Servicer, Exempt Company Registration, and Mortgage Brokers, Lenders, and/or Servicers bonds.
What is the Connecticut Mortgage Broker Bond amount?
The Connecticut Mortgage Broker Bond is commonly $50,000, $100,000, or $150,000 depending on aggregate residential mortgage loans originated during the preceding four quarters ending June 30.
What is the Connecticut Mortgage Correspondent Lender Bond amount?
The Connecticut Mortgage Correspondent Lender Bond is commonly $100,000, $200,000, $300,000, or $500,000 depending on aggregate residential mortgage loans originated during the preceding four quarters ending June 30.
What is the Connecticut Mortgage Lender License Bond amount?
The Connecticut Mortgage Lender License Bond is commonly $100,000, $200,000, $300,000, or $500,000 depending on aggregate residential mortgage loans originated during the preceding four quarters ending June 30.
What is the Connecticut Mortgage Servicer Bond amount?
The Connecticut Mortgage Servicer Bond is commonly $100,000 for each office location from which mortgage servicing occurs.
What is the Connecticut Exempt Company Registration Bond amount?
The Connecticut Exempt Company Registration Bond may use a $50,000 or $100,000 minimum depending on the exemption category and sponsored mortgage loan originator coverage. Higher limits can apply based on aggregate residential mortgage loan volume.
What changed for Connecticut exempt mortgage servicers in 2025?
Connecticut began accepting exempt mortgage servicer registration applications through NMLS on October 1, 2025, for Connecticut-licensed mortgage lenders seeking to act as mortgage servicers from licensed locations. Exempt mortgage servicer registrants and applicants must file required servicing surety bond coverage electronically through NMLS when available.
How much does a Connecticut mortgage bond cost?
Jet pricing starts at $249 for one year or $25 monthly for a $50,000 Connecticut mortgage bond. A $100,000 bond starts at $499 for one year or $50 monthly.
Are Connecticut mortgage bonds filed through NMLS?
Many Connecticut mortgage license and registration filings are handled through NMLS, and Connecticut has adopted electronic surety bond procedures for certain license and registration types. Follow the current Connecticut DOB and NMLS checklist for the exact bond.
Who should I contact for Connecticut mortgage bond help?
Call Jet at (855) 516-3348, email [email protected], or start a quote online for help choosing, purchasing, renewing, replacing, or changing a Connecticut mortgage license bond.
Get the Connecticut Mortgage Bond Required for Your License
Start by choosing the Connecticut mortgage bond that matches your license or registration. Jet will help with quoting, bond purchase, renewal support, and filing guidance when applicable.
Connecticut mortgage bond pricing starts at $249 for one year or $25 monthly.
Call: (855) 516-3348
Email: [email protected]