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Indiana mortgage license surety bonds
Indiana Mortgage License Bonds
Indiana mortgage companies, loan brokers, exempt companies, mortgage lenders, mortgage servicers, and mortgage loan originator sponsors may need a surety bond for licensing or registration. Jet Insurance Company helps Indiana mortgage professionals quote, purchase, renew, replace, and manage the bond required for their Indiana Department of Financial Institutions, Indiana Secretary of State, or NMLS filing.
Use this page to compare Indiana Mortgage Originator bond coverage, Loan Broker Bonds, Exempt Company Registration Bonds, and Mortgage Brokers, Lenders and/or Servicers Bonds, view Jet pricing, and choose the correct bond for your Indiana licensing requirement.
Need help? Call (855) 516-3348 or email [email protected].
Last updated: July 2026. Indiana mortgage bond requirements can change. Confirm the final license type, bond amount, filing method, and NMLS, Indiana DFI, or Indiana Secretary of State checklist before filing.
Indiana Mortgage Bond Quick Answers
Which bonds are covered?
This page covers Mortgage Originator bond coverage, the Indiana Loan Broker Bond, the Indiana Exempt Company Registration Bond, and the Indiana Mortgage Brokers, Lenders and/or Servicers Bond.
Who regulates these licenses?
The Indiana Department of Financial Institutions regulates DFI mortgage lending and exempt company registration. The Indiana Secretary of State, Securities Division regulates Loan Broker licensing.
What are common limits?
The Indiana Loan Broker Bond is $60,000. DFI mortgage lending, exempt company, and mortgage broker/lender/servicer sponsor bonds are commonly $100,000 when required by NMLS or the state checklist.
How do I get help?
Call (855) 516-3348 or email [email protected].
Choose Your Indiana Mortgage License Bond
The correct Indiana mortgage bond depends on the regulator and license type. Indiana Loan Brokers file a $60,000 Electronic Surety Bond through NMLS with the Indiana Secretary of State. Mortgage loan originators must be sponsored, and the sponsor’s bond must provide coverage for its sponsored MLOs. DFI mortgage lenders, exempt companies, and mortgage broker, lender and/or servicer companies should confirm the required amount through the current Indiana DFI and NMLS checklist.
Mortgage Originator Bond Coverage
For mortgage loan originators, the bond requirement is typically satisfied through the sponsoring employer’s bond. A DFI-sponsored MLO is covered by the sponsor’s DFI mortgage lending license or exempt company registration bond. An SOS-sponsored MLO working for a Loan Broker is covered by the Loan Broker’s bond.
Bond limit: Covered by sponsor bond
Common sponsor bond limits: $60,000 for Loan Broker; commonly $100,000 for DFI mortgage lender, exempt company, or mortgage broker/lender/servicer coverage when required.
Loan Broker Bond
For companies applying for or renewing an Indiana Loan Broker License through the Indiana Secretary of State, Securities Division. The bond must be submitted as an Electronic Surety Bond through NMLS.
Bond limit: $60,000
Jet pricing: $299 for one year, $30 monthly, $523 for two years, or $748 for three years.
Exempt Company Registration Bond
For exempt companies that employ or sponsor Indiana-licensed mortgage loan originators and must provide bond coverage through the DFI/NMLS process.
Common bond limit: $100,000 when required
Jet pricing: $499 for one year, $50 monthly, $873 for two years, or $1,248 for three years.
Mortgage Brokers, Lenders and/or Servicers Bond
For Indiana mortgage companies whose DFI or NMLS requirement references mortgage broker, mortgage lender, mortgage servicer, creditor, or sponsored MLO coverage. This bond path should be used when the company is not filing as an SOS Loan Broker but still needs mortgage-related surety bond coverage.
Common bond limit: $100,000 when required
Jet pricing: $499 for one year, $50 monthly, $873 for two years, or $1,248 for three years.
Important: Indiana has more than one mortgage licensing path. A Loan Broker is regulated by the Indiana Secretary of State and uses a $60,000 bond. DFI mortgage lending, exempt company, and mortgage broker/lender/servicer sponsor coverage may use a different bond form, amount, and filing path. Match the bond to the exact license, registration, and regulator shown in NMLS.
Indiana 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 Indiana Use | Monthly | 1 Year | 2 Years | 3 Years |
|---|---|---|---|---|---|
| $60,000 | Indiana Loan Broker Bond filed through NMLS with the Indiana Secretary of State | $30 | $299 | $523 | $748 |
| $100,000 | Indiana Exempt Company Registration Bond or Mortgage Brokers, Lenders and/or Servicers Bond when required by the Indiana DFI or NMLS checklist | $50 | $499 | $873 | $1,248 |
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 Indiana Mortgage Bond Pricing
Start a quote online and select the Indiana bond that matches your license or registration. Jet can help confirm whether you need Mortgage Originator coverage through a sponsor bond, a Loan Broker Bond, an Exempt Company Registration Bond, or a Mortgage Brokers, Lenders and/or Servicers Bond.
Questions? Call (855) 516-3348 or email [email protected].
Indiana Mortgage Bond Requirements
Indiana mortgage bond requirements depend on whether the company is regulated by the Indiana Department of Financial Institutions or the Indiana Secretary of State. Loan Brokers maintain a $60,000 Electronic Surety Bond through NMLS. Mortgage loan originators must be covered by the bond of their sponsor when the sponsor is a DFI mortgage lender, exempt company registration, or SOS-regulated loan broker.
| Indiana License or Registration | Bond Amount | Who the Bond Covers | Quote |
|---|---|---|---|
| Mortgage Originator | Covered by sponsor bond | The MLO is covered by the sponsoring employer’s surety bond. The applicable sponsor bond may be a Loan Broker Bond, DFI mortgage lender bond, Exempt Company Registration Bond, or Mortgage Brokers, Lenders and/or Servicers Bond. | Get Help |
| Loan Broker | $60,000 | The bond covers the activities of each manager and mortgage loan originator employed by the loan broker. | Get Quote |
| Exempt Company Registration | Commonly $100,000 when required | The bond covers the exempt company and its sponsored or employed licensed mortgage loan originators when the company is required to maintain bond coverage. | Get Quote |
| Mortgage Brokers, Lenders and/or Servicers | Commonly $100,000 when required | The bond covers the creditor, mortgage lender, broker, servicer, exempt person, and/or sponsored MLOs as required by the Indiana DFI or NMLS checklist. | Get Quote |
Filing note: Indiana mortgage and loan broker filings are handled through NMLS. Use the current Indiana DFI or Indiana Secretary of State checklist to confirm whether the bond is filed as an Electronic Surety Bond, the exact amount required, and the regulator tied to the license.
Indiana Mortgage Originator Bond Coverage
Indiana mortgage loan originators must be sponsored by an approved employer. For an MLO licensed through the Indiana Department of Financial Institutions, the sponsor must hold a current DFI mortgage lending license or exempt company registration, and the sponsor’s surety bond must provide coverage for its sponsored MLOs. For an MLO working under an Indiana Secretary of State Loan Broker License, the loan broker’s $60,000 bond covers the activities of each manager and mortgage loan originator employed by the loan broker.
License Type
Indiana Mortgage Loan Originator.
How Coverage Works
The MLO is covered by the sponsor’s bond rather than purchasing a separate individual bond in most sponsored licensing situations.
Common Sponsor Bonds
$60,000 Loan Broker Bond or $100,000 DFI/exempt company/mortgage broker/lender/servicer bond when required.
If your NMLS checklist specifically shows a separate Mortgage Originator Bond, contact Jet before ordering so we can confirm the correct Indiana regulator, bond form, and sponsor requirement.
Indiana Loan Broker Bond
The Indiana Loan Broker Bond is required for companies applying for or renewing an Indiana Loan Broker License through the Indiana Secretary of State, Securities Division. The bond must be submitted through NMLS as an Electronic Surety Bond in the amount of $60,000 by a surety company authorized to do business in Indiana.
License Type
Indiana Loan Broker License.
Bond Limit
$60,000.
Jet Pricing
$299 for one year, $30 monthly, $523 for two years, or $748 for three years.
The bond covers the activities of each manager and mortgage loan originator employed by the loan broker. Approved Indiana Loan Broker licenses expire on December 31, and the company must renew through NMLS to continue operating.
Indiana Exempt Company Registration Bond
The Indiana Exempt Company Registration Bond is used by exempt companies that employ or sponsor licensed mortgage loan originators and must provide surety bond coverage under the DFI/NMLS framework. Indiana law requires persons exempt from licensing that employ or sponsor MLOs to be covered by a surety bond in accordance with the applicable statute and guidance.
Registration Type
Indiana Exempt Company Registration.
Common Bond Limit
$100,000 when required by the Indiana DFI or NMLS checklist.
Jet Pricing
$499 for one year, $50 monthly, $873 for two years, or $1,248 for three years.
Before ordering, confirm the exempt company legal name, NMLS company ID, sponsored MLO information, effective date, and the exact bond amount shown on the Indiana DFI or NMLS checklist.
Indiana Mortgage Brokers, Lenders and/or Servicers Bond
The Indiana Mortgage Brokers, Lenders and/or Servicers Bond is used when the Indiana DFI or NMLS checklist requires surety bond coverage for a mortgage lending, broker, creditor, servicing, exempt person, or sponsored MLO relationship. This bond path helps account for companies that are not using the Indiana Secretary of State Loan Broker Bond but still need mortgage-related surety bond coverage.
License or Authority Type
Indiana mortgage broker, lender, creditor, servicer, exempt person, or sponsor authority when covered by the DFI/NMLS mortgage bond requirement.
Common Bond Limit
$100,000 when required by the Indiana DFI or NMLS checklist. Confirm the final amount before filing.
Jet Pricing
$499 for one year, $50 monthly, $873 for two years, or $1,248 for three years.
Indiana law requires a creditor and certain exempt persons that employ or sponsor licensed MLOs to be covered by a surety bond. The bond must cover the creditor or exempt person and the licensed MLOs tied to that company, be payable to the department for the benefit of the state and Indiana residents, and remain in effect as required by statute and the applicable license checklist.
Indiana Mortgage Bond Comparison
Indiana uses different mortgage licensing paths depending on the business activity and regulator. This comparison helps identify which bond is most likely to apply before you start the quote.
| Requirement | Regulator | Bond Amount | Main Filing Point |
|---|---|---|---|
| Mortgage Originator Coverage | Indiana DFI or Indiana Secretary of State, depending on sponsor | Covered by sponsor bond | NMLS sponsorship and license record |
| Loan Broker Bond | Indiana Secretary of State, Securities Division | $60,000 | NMLS Electronic Surety Bond |
| Exempt Company Registration Bond | Indiana Department of Financial Institutions | Commonly $100,000 when required | NMLS and Indiana DFI checklist |
| Mortgage Brokers, Lenders and/or Servicers Bond | Indiana Department of Financial Institutions | Commonly $100,000 when required | NMLS and Indiana DFI checklist |
How Indiana Mortgage Bond Quotes Work
1
Choose the Indiana Requirement
Select Mortgage Originator coverage, Loan Broker, Exempt Company Registration, or Mortgage Brokers, Lenders and/or Servicers based on the license or sponsor shown in NMLS.
2
Confirm the Bond Amount
Use $60,000 for the Indiana Loan Broker Bond. Confirm the required amount for DFI mortgage, exempt company, and broker/lender/servicer bonds against the current NMLS checklist.
3
Buy and File
After purchase, Jet provides the bond or filing guidance based on the current Indiana and NMLS process.
Need an Indiana Mortgage License Bond?
Jet can help you choose the correct Indiana Mortgage Originator sponsor coverage, Loan Broker Bond, Exempt Company Registration Bond, or Mortgage Brokers, Lenders and/or Servicers Bond, review pricing, and get the bond issued for licensing.
Indiana Loan Broker Bond pricing starts at $299 for one year or $30 monthly. Indiana $100,000 mortgage bond pricing starts at $499 for one year or $50 monthly.
Questions? Call (855) 516-3348 or email [email protected].
How Are Indiana Mortgage Bonds Filed?
Indiana mortgage and loan broker filings are handled through NMLS. Loan Broker applicants submit the $60,000 Electronic Surety Bond through NMLS for the Indiana Secretary of State. DFI mortgage lending, exempt company registration, and mortgage broker/lender/servicer bond requirements should be confirmed through the Indiana DFI and NMLS checklist for the company record.
Jet can provide the required bond document or electronic filing guidance after purchase. Before ordering, confirm the company legal name, NMLS ID, license or registration type, bond amount, effective date, regulator, and whether the bond must be completed as an Electronic Surety Bond in NMLS.
NMLS Company Record
The bond should match the company legal name, NMLS ID, and Indiana license or registration type.
Electronic Surety Bond
Indiana Loan Broker Bonds are submitted through NMLS as Electronic Surety Bonds. Other Indiana mortgage bonds may also use NMLS filing when required by the checklist.
Bond Changes
Contact Jet before changing the legal name, DBA, NMLS ID, bond amount, regulator, license authority, sponsor, servicing status, or registration status.
Indiana Mortgage Bond Renewals, Changes, and Cancellations
Renewing Your Bond
Keep the Indiana mortgage bond active for as long as the license, registration, MLO sponsorship, or servicing authority requires coverage. Review the bond before renewal to confirm the company still has the correct Indiana authority and required bond amount.
Changing the Bond
A bond change may be needed when the company changes its legal name, DBA, NMLS ID, license authority, regulator, sponsorship structure, servicing authority, or required bond amount.
Cancelling or Replacing Your Bond
Do not cancel a required Indiana mortgage bond until replacement coverage is accepted or the bond is no longer required. A bond gap can create licensing or MLO sponsorship issues.
What Does an Indiana Mortgage License Bond Cover?
An Indiana mortgage license bond is designed to protect the public and the state regulator, not the bonded mortgage company. If a bonded loan broker, creditor, exempt company, manager, mortgage lender, mortgage servicer, or mortgage loan originator violates covered Indiana mortgage or loan broker laws, 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 Indiana Mortgage Bond Claims
- Maintain continuous bond coverage for the correct Indiana license, registration, sponsor, or servicing requirement.
- Match the bond to the exact legal name, DBA, NMLS ID, regulator, license type, registration type, servicing status, and required bond amount.
- Confirm whether the company is regulated by Indiana DFI or the Indiana Secretary of State before ordering.
- Make sure sponsored MLOs are covered by the correct employer or sponsor bond.
- Do not advertise or represent loan terms in a misleading way.
- Do not charge unauthorized or prohibited fees.
- Maintain required books, records, loan files, disclosures, and NMLS filings.
- Keep MLO sponsorship, company, manager, branch, exempt company, and servicing information current in NMLS.
- Respond quickly to Indiana DFI, Indiana Secretary of State, 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
Indiana Mortgage License Bond FAQ
What Indiana mortgage bonds are covered on this page?
This page covers Indiana Mortgage Originator bond coverage, the Indiana Loan Broker Bond, the Indiana Exempt Company Registration Bond, and the Indiana Mortgage Brokers, Lenders and/or Servicers Bond.
Does an Indiana Mortgage Loan Originator need a separate bond?
Mortgage loan originators are generally covered by the sponsoring employer’s bond. The sponsor may be a DFI mortgage lender, an exempt company registration, a mortgage broker/lender/servicer company, or an Indiana Secretary of State Loan Broker, depending on the licensing path.
What is the Indiana Loan Broker Bond amount?
The Indiana Loan Broker Bond amount is $60,000.
How much does the Indiana Loan Broker Bond cost?
Jet pricing for the $60,000 Indiana Loan Broker Bond is $299 for one year, $30 monthly, $523 for two years, or $748 for three years.
What is the Indiana Exempt Company Registration Bond amount?
The Indiana Exempt Company Registration Bond is commonly $100,000 when required by the Indiana DFI or NMLS checklist. Confirm the final required amount before filing.
What is the Indiana Mortgage Brokers, Lenders and/or Servicers Bond amount?
The Indiana Mortgage Brokers, Lenders and/or Servicers Bond is commonly $100,000 when required by the Indiana DFI or NMLS checklist. Confirm the exact amount, bond form, and filing method before purchase.
How much does a $100,000 Indiana mortgage bond cost?
Jet pricing for a $100,000 Indiana mortgage bond is $499 for one year, $50 monthly, $873 for two years, or $1,248 for three years.
Are Indiana mortgage bonds filed through NMLS?
Yes. Indiana Loan Broker Bonds are filed through NMLS as Electronic Surety Bonds, and DFI mortgage lending, exempt company registration, and mortgage broker/lender/servicer bond requirements should be confirmed against the current Indiana NMLS checklist.
Which regulator handles Indiana Loan Brokers?
Indiana Loan Brokers are regulated by the Indiana Secretary of State, Securities Division.
Which regulator handles Indiana DFI mortgage lending and exempt company registration?
The Indiana Department of Financial Institutions handles DFI mortgage lending, exempt company registration, and related mortgage sponsor bond requirements.
Who should I contact for Indiana 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 an Indiana mortgage license bond.
Get the Indiana Mortgage Bond Required for Your License
Start by choosing the Indiana bond that matches your license, sponsor, registration, servicing authority, or NMLS requirement. Jet will help with quoting, bond purchase, renewal support, and filing guidance when applicable.
Indiana Loan Broker Bond pricing starts at $299 for one year or $30 monthly. Indiana $100,000 mortgage bond pricing starts at $499 for one year or $50 monthly.
Call: (855) 516-3348
Email: [email protected]