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Delaware mortgage and lender surety bonds
Delaware Mortgage License Bonds
Delaware mortgage and lending professionals may need a surety bond for a Licensed Lender License, Mortgage Loan Broker License, or Mortgage Loan Originator License. Jet Insurance Company helps Delaware license applicants and existing licensees quote, purchase, renew, replace, and manage the required bond.
Use this page to compare Delaware bond limits, view pricing, and choose the correct bond for your Delaware Office of the State Bank Commissioner or NMLS licensing requirement.
Need help? Call (855) 516-3348 or email [email protected].
Last updated: July 2026. Delaware mortgage bond requirements can change. Confirm the final license type, bond amount, filing method, and NMLS or Delaware Office of the State Bank Commissioner checklist before filing.
Delaware Mortgage Bond Quick Answers
Which bonds are covered?
This page covers the Delaware Licensed Lender Bond, Mortgage Loan Broker Bond, and Mortgage Loan Originator Bond.
Who regulates these licenses?
The Delaware Office of the State Bank Commissioner regulates licensed lenders, mortgage loan brokers, and mortgage loan originators.
What are common limits?
Mortgage Loan Broker bonds are $25,000. Licensed Lender bonds range from $50,000 to $200,000. Mortgage Loan Originator bonds range from $25,000 to $200,000.
How do I get help?
Call (855) 516-3348 or email [email protected].
Choose Your Delaware Mortgage License Bond
The correct Delaware bond depends on the license type and the lending or mortgage activity being conducted. Mortgage Loan Broker bonds use a fixed $25,000 amount. Licensed Lender and Mortgage Loan Originator bond amounts can increase based on Delaware loan volume.
Licensed Lender Bond
For companies licensed under Delaware’s Licensed Lender law. The required bond amount is based on the annual volume of Delaware loans for the year ending December 31 before the effective license year.
Common limits: $50,000 to $200,000
Starting price: $249 for one year or $25 monthly for the $50,000 bond.
Mortgage Loan Broker Bond
For companies licensed as Delaware mortgage loan brokers. Delaware law requires mortgage loan brokers to file a $25,000 surety bond in a form acceptable to the Commissioner.
Bond limit: $25,000
Jet pricing: $125 for one year, $13 monthly, $219 for two years, or $313 for three years.
Mortgage Loan Originator Bond
For Delaware mortgage loan originators who need individual bond coverage or coverage through an employer or principal bond. Initial license applicants start at $25,000, with higher limits based on Delaware mortgage loan volume.
Common limits: $25,000 to $200,000
Starting price: $125 for one year or $13 monthly for the $25,000 bond.
Important: Delaware mortgage loan originators who are employees or exclusive agents of a licensed mortgage loan broker or licensed lender may be covered by the employer or principal bond if the bond meets the MLO bond amount and coverage requirements. Confirm the required bond amount and coverage list before filing.
Delaware Mortgage License Bond Pricing
Jet pricing below follows the same mortgage bond pricing method used on the other state pages. The one-year price is 0.5% of the bond limit. If the calculated one-year price ends in zero, Jet subtracts $1 before calculating 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 Delaware Use | Monthly | 1 Year | 2 Years | 3 Years |
|---|---|---|---|---|---|
| $25,000 | Mortgage Loan Broker Bond or initial Mortgage Loan Originator Bond | $13 | $125 | $219 | $313 |
| $50,000 | Licensed Lender minimum or higher Mortgage Loan Originator tier | $25 | $249 | $436 | $623 |
| $75,000 | Licensed Lender or Mortgage Loan Originator volume tier | $38 | $375 | $656 | $938 |
| $100,000 | Licensed Lender or Mortgage Loan Originator volume tier | $50 | $499 | $873 | $1,248 |
| $125,000 | Licensed Lender or Mortgage Loan Originator volume tier | $63 | $625 | $1,094 | $1,563 |
| $150,000 | Licensed Lender or Mortgage Loan Originator volume tier | $75 | $749 | $1,311 | $1,873 |
| $175,000 | Licensed Lender or Mortgage Loan Originator volume tier | $88 | $875 | $1,531 | $2,188 |
| $200,000 | Highest common Licensed Lender or Mortgage Loan Originator volume tier | $100 | $999 | $1,748 | $2,498 |
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 Delaware Mortgage Bond Pricing
Start a quote online and select the Delaware bond that matches your license. Jet can help confirm whether you need the Licensed Lender Bond, Mortgage Loan Broker Bond, or Mortgage Loan Originator Bond.
Questions? Call (855) 516-3348 or email [email protected].
Delaware Mortgage Bond Requirements
Delaware mortgage bond requirements are based on the specific license type. Mortgage Loan Broker bonds are fixed at $25,000. Licensed Lender bonds are based on annual Delaware loan volume. Mortgage Loan Originator bond coverage starts at $25,000 for an initial license applicant and then follows Delaware mortgage loan volume tiers.
| Delaware License | Bond Amount | How the Amount Is Determined | Quote |
|---|---|---|---|
| Licensed Lender | $50,000 to $200,000 | Based on the annual volume of Delaware loans for the year ending December 31 before the effective license year. | Get Quote |
| Mortgage Loan Broker | $25,000 | Fixed statutory bond amount under Delaware mortgage loan broker law. | Get Quote |
| Mortgage Loan Originator | $25,000 to $200,000 | Initial applicants start at $25,000. Renewal and ongoing bond amounts are based on Delaware mortgage loans originated during the prior year. | Get Quote |
Filing note: Delaware MLO license applicants must provide documentation that they are covered by a surety bond, either individually or through the employer. Delaware MLO renewals are filed through NMLS beginning November 1, with Delaware requiring renewal applications by December 1.
Delaware Licensed Lender Bond
The Delaware Licensed Lender Bond is required for companies licensed under Delaware’s Licensed Lender law. The required amount is tied to annual Delaware loan volume for the year ending December 31 before the effective license year. A licensee with a multi-year bond must review the bond amount annually to make sure the required amount is maintained.
| Annual Volume of Delaware Loans | Required Licensed Lender Bond Amount | Jet 1-Year Price | Quote |
|---|---|---|---|
| Not more than $23,000,000 | $50,000 | $249 | Get Quote |
| $23,000,001 to $35,000,000 | $75,000 | $375 | Get Quote |
| $35,000,001 to $47,000,000 | $100,000 | $499 | Get Quote |
| $47,000,001 to $59,000,000 | $125,000 | $625 | Get Quote |
| $59,000,001 to $71,000,000 | $150,000 | $749 | Get Quote |
| $71,000,001 to $83,000,000 | $175,000 | $875 | Get Quote |
| $83,000,001 and over | $200,000 | $999 | Get Quote |
The Delaware Commissioner may require a larger bond or irrevocable letter of credit based on the licensee’s individual circumstances.
Delaware Mortgage Loan Broker Bond
The Delaware Mortgage Loan Broker Bond is required for mortgage loan brokers licensed under Title 5, Chapter 21 of the Delaware Code. The bond must be in a form satisfactory to the Commissioner and must run to the State for the benefit of the Office of the State Bank Commissioner and consumers injured by covered wrongful acts, omissions, defaults, fraud, or misrepresentation.
License Type
Delaware Mortgage Loan Broker License.
Bond Limit
$25,000.
Jet Pricing
$125 for one year, $13 monthly, $219 for two years, or $313 for three years.
Delaware Mortgage Loan Originator Bond
Delaware mortgage loan originators must be covered by a surety bond. An applicant for an initial mortgage loan originator license must have at least $25,000 in bond coverage. After licensing, the minimum amount is based on the volume of Delaware mortgage loans originated during the year ending December 31 before the effective license year.
| Annual Volume of Delaware Mortgage Loans | Required MLO Bond Amount | Jet 1-Year Price | Quote |
|---|---|---|---|
| Initial license applicant or not more than $11,000,000 | $25,000 | $125 | Get Quote |
| $11,000,001 to $23,000,000 | $50,000 | $249 | Get Quote |
| $23,000,001 to $35,000,000 | $75,000 | $375 | Get Quote |
| $35,000,001 to $47,000,000 | $100,000 | $499 | Get Quote |
| $47,000,001 to $59,000,000 | $125,000 | $625 | Get Quote |
| $59,000,001 to $71,000,000 | $150,000 | $749 | Get Quote |
| $71,000,001 to $83,000,000 | $175,000 | $875 | Get Quote |
| $83,000,001 and over | $200,000 | $999 | Get Quote |
Employer bond option: A Delaware mortgage loan originator who is an employee or exclusive agent of a Delaware licensed mortgage loan broker or licensed lender may use the employer or principal bond in place of an individual MLO bond if the bond meets Delaware’s required amount and coverage requirements and the employer or principal consents to that use.
How Delaware Mortgage Bond Quotes Work
1
Choose the License Type
Select Licensed Lender, Mortgage Loan Broker, or Mortgage Loan Originator.
2
Confirm the Bond Amount
Use the amount shown on the Delaware license checklist, NMLS record, renewal notice, or applicable Delaware loan volume tier.
3
Buy and File
After purchase, Jet provides the bond document or filing guidance based on the current Delaware and NMLS process.
Need a Delaware Mortgage License Bond?
Jet can help you choose the correct Delaware Licensed Lender, Mortgage Loan Broker, or Mortgage Loan Originator Bond, review pricing, and get the bond issued for licensing.
Delaware mortgage bond pricing starts at $125 for one year or $13 monthly for a $25,000 bond.
Questions? Call (855) 516-3348 or email [email protected].
How Are Delaware Mortgage Bonds Filed?
Delaware mortgage licensing is handled by the Delaware Office of the State Bank Commissioner, with mortgage loan originator licensing and renewal handled through NMLS. Mortgage loan originator applicants must provide documentation that they are covered by a surety bond, either individually or through the employer.
Bond filing steps can vary based on the license type, bond form, and whether the bond covers a company or individual. Jet can provide the required bond document or filing guidance after purchase.
Company Bond
Licensed Lender and Mortgage Loan Broker bonds should match the legal name, license type, NMLS record when applicable, and required bond amount.
MLO Coverage
Mortgage Loan Originator coverage may be individual or provided through the employer or principal bond when Delaware conditions are met.
Bond Changes
Contact Jet before changing the legal name, DBA, NMLS ID, covered MLO list, bond amount, or license authority.
Delaware Mortgage Bond Renewals, Changes, and Cancellations
Renewing Your Bond
Keep the Delaware mortgage bond active for as long as the license requires coverage. Review the bond amount before renewal to confirm it still matches the current Delaware loan volume tier or fixed bond requirement.
Changing the Bond Limit
Licensed Lender and Mortgage Loan Originator bond amounts may need to change when Delaware loan volume changes. A multi-year bond should be reviewed annually to confirm the required amount is maintained.
Cancelling or Replacing Your Bond
Do not cancel a required Delaware mortgage bond until replacement coverage is accepted or the bond is no longer required. Delaware bond cancellation generally requires advance notice to the Commissioner.
What Does a Delaware Mortgage License Bond Cover?
A Delaware mortgage license bond is designed to protect the public and the state regulator, not the bonded business or mortgage loan originator. The bond can respond to covered losses caused by wrongful acts, omissions, defaults, fraud, or misrepresentation in the course of licensed mortgage or lending activity.
A surety bond is different from insurance for the bonded party. 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 Delaware Mortgage Bond Claims
- Maintain continuous bond coverage for the correct Delaware 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 a Licensed Lender, Mortgage Loan Broker, or Mortgage Loan Originator license.
- Update the bond amount when Delaware loan volume changes.
- Keep covered mortgage loan originator information current when using a company bond for MLO coverage.
- Do not advertise or represent loan terms in a misleading way.
- Do not charge unauthorized or prohibited fees.
- Maintain required books, records, and consumer disclosures.
- Respond quickly to Delaware Office of the State Bank Commissioner 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
Delaware Mortgage License Bond FAQ
What Delaware mortgage bonds are covered on this page?
This page covers the Delaware Licensed Lender Bond, Mortgage Loan Broker Bond, and Mortgage Loan Originator Bond.
What is the Delaware Mortgage Loan Broker Bond amount?
The Delaware Mortgage Loan Broker Bond amount is $25,000.
What is the Delaware Licensed Lender Bond amount?
The Delaware Licensed Lender Bond amount ranges from $50,000 to $200,000 based on the licensee’s annual volume of Delaware loans for the year ending December 31 before the effective license year.
What is the Delaware Mortgage Loan Originator Bond amount?
The Delaware Mortgage Loan Originator Bond starts at $25,000 for an initial license applicant. Ongoing bond amounts can increase up to $200,000 based on Delaware mortgage loan volume.
Can a company bond cover Delaware mortgage loan originators?
Yes. A Delaware mortgage loan originator who is an employee or exclusive agent of a Delaware licensed mortgage loan broker or licensed lender may use the employer or principal bond if the bond meets the required MLO amount and other Delaware coverage requirements.
How much does a Delaware mortgage bond cost?
Jet pricing starts at $125 for one year or $13 monthly for a $25,000 Delaware mortgage bond. A $50,000 bond starts at $249 for one year or $25 monthly.
Are Delaware mortgage bonds filed through NMLS?
Delaware mortgage loan originator licensing and renewal are handled through NMLS, and MLO applicants must provide documentation of surety bond coverage. Company bond filing steps can vary by license type and current Delaware checklist.
Who should I contact for Delaware 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 Delaware mortgage license bond.
Get the Delaware Mortgage Bond Required for Your License
Start by choosing the Delaware bond that matches your license or NMLS requirement. Jet will help with quoting, bond purchase, renewal support, and filing guidance when applicable.
Delaware mortgage bond pricing starts at $125 for one year or $13 monthly.
Call: (855) 516-3348
Email: [email protected]