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District of Columbia mortgage and money lender surety bonds
District of Columbia Mortgage and Money Lender Bonds
District of Columbia financial service businesses may need a surety bond for a Money Lender License, Mortgage Lender License, Mortgage Broker License, or Mortgage Broker and/or Lender authority. Jet Insurance Company helps DC license applicants and existing licensees quote, purchase, renew, replace, and manage the required bond.
Use this page to compare the District of Columbia bond limits, review pricing, and choose the correct bond for your DISB or NMLS licensing requirement.
Need help? Call (855) 516-3348 or email [email protected].
Last updated: July 2026. District of Columbia bond requirements can change. Confirm the final license type, bond amount, filing method, and NMLS or DISB checklist before filing.
District of Columbia Bond Quick Answers
Which bonds are covered?
This page covers the District of Columbia Money Lender Bond, Mortgage Lender Bond, Mortgage Broker Bond, and Mortgage Broker and/or Lender Bond.
Who regulates these licenses?
The District of Columbia Department of Insurance, Securities and Banking, commonly called DISB, regulates these non-depository financial service license types.
What are common limits?
Common bond limits include $5,000 for Money Lender and $12,500, $17,500, $25,000, $50,000, or $200,000 for mortgage lender, mortgage broker, or combined authority.
How do I get help?
Call (855) 516-3348 or email [email protected].
Choose Your District of Columbia Bond
The correct District of Columbia bond depends on the license type and the activity being conducted. Mortgage lender and broker bond limits are tied to DC mortgage activity and can also use a blanket bond when four or more license applications are filed. The Money Lender Bond is a separate $5,000 statutory bond.
Money Lender Bond
For applicants seeking a District of Columbia Money Lender License. This bond is required under DC money lender licensing law and is separate from the mortgage lender and broker bond schedule.
Bond limit: $5,000
Jet pricing: $79 for one year, $8 monthly, $138 for two years, or $198 for three years.
Mortgage Lender Bond
For companies applying for or renewing a DC Mortgage Lender License. The required bond amount is based on DC mortgage activity and must be maintained per licensed location unless a qualifying blanket bond applies.
Common limits: $12,500 to $50,000, or $200,000 blanket bond
Starting price: $79 for one year or $8 monthly for a $12,500 bond.
Mortgage Broker Bond
For companies applying for or renewing a DC Mortgage Broker License. The bond amount is based on the mortgage activity table used by DISB for DC mortgage lender and broker reporting.
Common limits: $12,500 to $50,000, or $200,000 blanket bond
Starting price: $79 for one year or $8 monthly for a $12,500 bond.
Mortgage Broker and/or Lender Bond
For companies needing bond coverage tied to mortgage broker authority, mortgage lender authority, or dual mortgage broker and lender authority. This option is useful when the NMLS or DISB requirement references combined authority.
Common limits: $12,500 to $50,000, or $200,000 blanket bond
Starting price: $79 for one year or $8 monthly for a $12,500 bond.
Blanket Mortgage Bond
For situations where four or more mortgage license applications are filed and the DISB mortgage activity table calls for a $200,000 blanket surety bond.
Bond limit: $200,000
Jet pricing: $999 for one year, $100 monthly, $1,748 for two years, or $2,498 for three years.
Not Sure Which Bond Applies?
Send Jet the license type, NMLS company ID if available, bond amount shown on the checklist, and desired effective date. Jet can help match the bond to the correct DC license requirement.
Help by phone: (855) 516-3348
Important: Mortgage lender and broker bond requirements are tied to DC mortgage activity. The DISB 2025 annual report states the mortgage activity amount must include DC mortgage loans where the licensee acted as lender, brokered DC mortgage loans, and DC mortgage loans the licensee serviced.
District of Columbia Bond Pricing
Jet pricing below follows the same page pricing method used for the mortgage bond pages, with a $79 minimum one-year premium. The $17,500 bond is priced at $89 for one year. For most other listed mortgage bond limits, pricing is 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 DC Use | Monthly | 1 Year | 2 Years | 3 Years |
|---|---|---|---|---|---|
| $5,000 | Money Lender Bond | $8 | $79 | $138 | $198 |
| $12,500 | Mortgage lender, mortgage broker, or broker and/or lender bond for $1 million or less in loan activity | $8 | $79 | $138 | $198 |
| $17,500 | Mortgage lender, mortgage broker, or broker and/or lender bond for $1 million to $2 million in loan activity | $9 | $89 | $156 | $223 |
| $25,000 | Mortgage lender, mortgage broker, or broker and/or lender bond for $2 million to $3 million in loan activity | $13 | $125 | $219 | $313 |
| $50,000 | Mortgage lender, mortgage broker, or broker and/or lender bond for over $3 million in loan activity | $25 | $249 | $436 | $623 |
| $200,000 | Blanket surety bond where four or more mortgage license applications are filed | $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 District of Columbia Bond Pricing
Start a quote online and select the DC bond that matches your license. Jet can help confirm whether you need the Money Lender Bond, Mortgage Lender Bond, Mortgage Broker Bond, Mortgage Broker and/or Lender Bond, or blanket mortgage bond.
Questions? Call (855) 516-3348 or email [email protected].
District of Columbia Bond Requirements
The District of Columbia has different bond requirements for Money Lender licensing and mortgage lender or broker licensing. The Money Lender Bond is a $5,000 statutory bond. Mortgage lender and broker bond amounts are based on loan activity and must be maintained per licensed location unless the $200,000 blanket bond applies.
| DC License or Authority | Bond Amount | How the Amount Is Determined | Quote |
|---|---|---|---|
| Money Lender | $5,000 | Statutory bond required with the money lender license application. | Get Quote |
| Mortgage Lender | $12,500, $17,500, $25,000, $50,000, or $200,000 blanket bond | Based on DC mortgage activity amount or four or more license applications. | Get Quote |
| Mortgage Broker | $12,500, $17,500, $25,000, $50,000, or $200,000 blanket bond | Based on DC mortgage activity amount or four or more license applications. | Get Quote |
| Mortgage Broker and/or Lender | $12,500, $17,500, $25,000, $50,000, or $200,000 blanket bond | Based on combined DC lender, broker, and servicing mortgage activity reported for the company. | Get Quote |
Mortgage activity note: DISB’s mortgage activity table uses the company’s DC mortgage loan activity. The annual report combines activity for the company and branch locations and states that a separate report for each branch location is no longer required.
DC Mortgage Lender and Broker Bond Amounts
Use the mortgage activity table below for District of Columbia Mortgage Lender, Mortgage Broker, and Mortgage Broker and/or Lender bonds. The required bond amount is based on the loan activity amount shown in the DISB mortgage lender and broker annual report.
| Loan Activity Amount | Required Bond Amount | Jet 1-Year Price | Quote |
|---|---|---|---|
| $1 million or less | $12,500 | $79 | Get Quote |
| $1 million to $2 million | $17,500 | $89 | Get Quote |
| $2 million to $3 million | $25,000 | $125 | Get Quote |
| Over $3 million | $50,000 | $249 | Get Quote |
| Where 4 or more license applications are filed | $200,000 blanket surety bond | $999 | Get Quote |
District of Columbia Money Lender Bond
The District of Columbia Money Lender Bond is required for a money lender license. DC law requires a bond in the penal sum of $5,000 with the application. This bond is separate from the mortgage lender and mortgage broker bond table.
License Type
District of Columbia Money Lender License.
Bond Limit
$5,000.
Jet Pricing
$79 for one year, $8 monthly, $138 for two years, or $198 for three years.
District of Columbia Mortgage Lender Bond
The District of Columbia Mortgage Lender Bond is required for companies licensed as mortgage lenders. DC mortgage lender bond coverage is based on the loan activity amount and must be maintained for the required licensed location coverage unless a blanket bond applies.
License Type
District of Columbia Mortgage Lender License.
Common Bond Limits
$12,500, $17,500, $25,000, $50,000, or $200,000 blanket bond.
Starting Price
$79 for one year or $8 monthly for a $12,500 bond.
District of Columbia Mortgage Broker Bond
The District of Columbia Mortgage Broker Bond is required for companies licensed as mortgage brokers. The bond amount follows the same DISB mortgage activity table used for DC mortgage lender and broker annual reporting.
License Type
District of Columbia Mortgage Broker License.
Common Bond Limits
$12,500, $17,500, $25,000, $50,000, or $200,000 blanket bond.
Starting Price
$79 for one year or $8 monthly for a $12,500 bond.
District of Columbia Mortgage Broker and/or Lender Bond
The District of Columbia Mortgage Broker and/or Lender Bond applies when the license or NMLS requirement references broker authority, lender authority, or dual mortgage broker and lender authority. The correct bond amount is based on the mortgage activity table or the $200,000 blanket bond requirement for four or more license applications.
License Type
Mortgage Broker, Mortgage Lender, or Mortgage Broker and/or Lender authority.
Common Bond Limits
$12,500, $17,500, $25,000, $50,000, or $200,000 blanket bond.
Starting Price
$79 for one year or $8 monthly for a $12,500 bond.
How District of Columbia Bond Quotes Work
1
Choose the License Type
Select Money Lender, Mortgage Lender, Mortgage Broker, Mortgage Broker and/or Lender, or Blanket Mortgage Bond.
2
Confirm the Bond Amount
For mortgage bonds, use the loan activity amount or blanket bond requirement. For Money Lender, use the $5,000 statutory bond amount.
3
Buy and File
After purchase, Jet provides the bond document or filing guidance based on the current DISB, NMLS, or license checklist requirement.
Need a District of Columbia Mortgage or Money Lender Bond?
Jet can help you choose the correct DC bond, review pricing, and get the bond issued for licensing.
District of Columbia mortgage bond pricing starts at $79 for one year or $8 monthly for a $12,500 bond. District of Columbia Money Lender Bond pricing starts at $79 for one year.
Questions? Call (855) 516-3348 or email [email protected].
How Are District of Columbia Bonds Filed?
Mortgage lender and mortgage broker applications are submitted through NMLS, and DISB may require additional documents such as affidavits or annual reporting. The DISB mortgage lender and broker affidavit directs applicants to submit the completed affidavit by email and include the legal name and NMLS ID in the subject line.
Money Lender bond filing follows the DISB non-depository financial institution licensing process. Jet can provide the bond document and filing guidance after purchase.
NMLS Mortgage Filing
Mortgage lender and broker licensing is handled through NMLS. Follow the current DC checklist for the exact license authority.
DISB Bond Form
DISB provides a surety bond form for applicable non-depository financial service license types.
Bond Changes
Contact Jet before changing the legal name, DBA, NMLS ID, licensed locations, bond amount, or license authority.
District of Columbia Bond Renewals, Changes, and Cancellations
Renewing Your Bond
Keep the DC bond active for as long as the license requires coverage. Review the bond amount before renewal to confirm it still matches the current requirement.
Changing the Bond Limit
The mortgage bond amount may need to change if the company’s DC mortgage activity changes or if four or more license applications are filed.
Cancelling or Replacing Your Bond
Do not cancel a required DC bond until replacement coverage is accepted or the bond is no longer required. A bond gap can create license issues.
What Does a District of Columbia Bond Cover?
A District of Columbia license bond is designed to protect the public and the regulator, not the bonded business. If the licensee violates applicable DC licensing laws, lending laws, mortgage laws, or regulatory 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 District of Columbia Bond Claims
- Maintain continuous bond coverage for the correct DC 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 Money Lender, Mortgage Lender, Mortgage Broker, or Mortgage Broker and/or Lender authority.
- Update the mortgage bond amount when DC mortgage activity changes.
- Keep licensed location and branch 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 DISB and NMLS requests.
- Contact Jet before cancelling, replacing, or changing the bond.
Want to Know More About Mortgage Bond Processes?
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District of Columbia Mortgage and Money Lender Bond FAQ
What District of Columbia bonds are covered on this page?
This page covers the District of Columbia Money Lender Bond, Mortgage Lender Bond, Mortgage Broker Bond, Mortgage Broker and/or Lender Bond, and $200,000 blanket mortgage bond option.
What is the DC Money Lender Bond amount?
The District of Columbia Money Lender Bond amount is $5,000.
What is the DC Mortgage Lender Bond amount?
The District of Columbia Mortgage Lender Bond is commonly $12,500, $17,500, $25,000, or $50,000 based on the loan activity amount. A $200,000 blanket surety bond applies where four or more license applications are filed.
What is the DC Mortgage Broker Bond amount?
The District of Columbia Mortgage Broker Bond follows the same mortgage activity table as the mortgage lender bond: $12,500, $17,500, $25,000, $50,000, or a $200,000 blanket surety bond where four or more license applications are filed.
What is the DC Mortgage Broker and/or Lender Bond?
The Mortgage Broker and/or Lender Bond refers to bond coverage for mortgage broker authority, mortgage lender authority, or dual mortgage broker and lender authority. The amount is based on the DISB mortgage activity table or blanket bond requirement.
How much does a DC mortgage bond cost?
Jet pricing starts at $79 for one year or $8 monthly for a $12,500 DC mortgage bond. The $17,500 bond is $89 for one year or $9 monthly. A $50,000 bond is $249 for one year or $25 monthly. A $200,000 blanket bond is $999 for one year or $100 monthly.
How much does a DC Money Lender Bond cost?
Jet pricing for the $5,000 District of Columbia Money Lender Bond is $79 for one year, $8 monthly, $138 for two years, or $198 for three years.
Are DC mortgage bonds filed through NMLS?
Mortgage lender and mortgage broker applications are submitted through NMLS. Follow the current District of Columbia NMLS checklist and DISB instructions for the exact filing process.
Who should I contact for District of Columbia 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 DC mortgage or money lender bond.
Get the District of Columbia Bond Required for Your License
Start by choosing the DC bond that matches your license or NMLS requirement. Jet will help with quoting, bond purchase, renewal support, and filing guidance when applicable.
District of Columbia mortgage bond pricing starts at $79 for one year or $8 monthly. District of Columbia Money Lender Bond pricing starts at $79 for one year.
Call: (855) 516-3348
Email: [email protected]