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Louisiana mortgage license surety bonds
Louisiana Mortgage License Bonds
Louisiana residential mortgage lenders, brokers, servicers, and mortgage loan originators may need a surety bond for licensing with the Louisiana Office of Financial Institutions. Jet Insurance Company helps Louisiana mortgage professionals quote, purchase, renew, replace, and manage the bond required for their NMLS filing.
Use this page to compare Louisiana Residential Mortgage Lender, Broker, Servicer, and Mortgage Loan Originator bond requirements, view Jet pricing, and get filing support for your Louisiana mortgage license.
Need help? Call (855) 516-3348 or email [email protected].
Last updated: July 2026. Louisiana mortgage bond requirements can change. Confirm the final license type, bond amount, filing method, and NMLS or Louisiana Office of Financial Institutions checklist before filing.
Louisiana Mortgage Bond Quick Answers
Which bonds are covered?
This page covers Louisiana Residential Mortgage Lender Bonds, Mortgage Broker Bonds, Mortgage Servicer Bonds, and Mortgage Loan Originator Bond Coverage.
Who regulates these licenses?
The Louisiana Office of Financial Institutions regulates residential mortgage lending, mortgage brokers, mortgage lenders, mortgage servicers, and mortgage loan originators.
What are common limits?
Louisiana mortgage bonds are commonly $25,000 or $50,000, based on prior-year mortgage volume. New applicants commonly start at $25,000.
How do I get help?
Call (855) 516-3348 or email [email protected].
Choose Your Louisiana Mortgage License Bond
The correct Louisiana mortgage bond depends on the license type and prior-year mortgage volume. Louisiana residential mortgage lenders, brokers, and servicers commonly use a $25,000 or $50,000 bond. Mortgage loan originators may satisfy the bond requirement through their employer or principal when the employer or principal maintains a bond that meets Louisiana requirements.
Residential Mortgage Lender Bond
For Louisiana residential mortgage lenders that make, fund, purchase, or service residential mortgage loans under the Louisiana residential mortgage licensing framework.
Common limits: $25,000 or $50,000
Starting price: $125 for one year or $13 monthly for the $25,000 bond.
Mortgage Broker Bond
For Louisiana mortgage brokers that arrange, broker, solicit, or negotiate residential mortgage loans for compensation or gain.
Common limits: $25,000 or $50,000
Starting price: $125 for one year or $13 monthly for the $25,000 bond.
Mortgage Servicer Bond
For Louisiana mortgage servicers whose residential mortgage servicing activity is included in the Louisiana mortgage bond requirement.
Common limits: $25,000 or $50,000
Starting price: $125 for one year or $13 monthly for the $25,000 bond.
Mortgage Loan Originator Bond Coverage
For Louisiana mortgage loan originators, the bond requirement may be satisfied through the employer or principal bond when the MLO is employed by, or is an exclusive agent for, a licensed mortgage broker, lender, or servicer.
Common coverage: Employer or principal bond
Common limits: $25,000 or $50,000, based on the applicable Louisiana bond requirement
Important: Louisiana uses NMLS for residential mortgage licensing. Match the bond title, legal name, NMLS ID, effective date, and amount to the current NMLS checklist or direct Louisiana Office of Financial Institutions instructions before filing.
Louisiana Mortgage License Bond Pricing
Jet pricing below follows the same mortgage bond pricing method used on the other state pages, with a $79 minimum one-year premium. The one-year price is generally 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 Louisiana Use | Monthly | 1 Year | 2 Years | 3 Years |
|---|---|---|---|---|---|
| $25,000 | Residential Mortgage Lender, Mortgage Broker, Mortgage Servicer, or MLO employer coverage for new applicants or under $100 million in prior-year volume | $13 | $125 | $219 | $313 |
| $50,000 | Residential Mortgage Lender, Mortgage Broker, Mortgage Servicer, or MLO employer coverage for $100 million or more in prior-year volume | $25 | $249 | $436 | $623 |
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 Louisiana Mortgage Bond Pricing
Start a quote online and select the Louisiana bond that matches your license or NMLS checklist. Jet can help confirm whether you need a Residential Mortgage Lender Bond, Mortgage Broker Bond, Mortgage Servicer Bond, or Mortgage Loan Originator coverage through an employer bond.
Questions? Call (855) 516-3348 or email [email protected].
Louisiana Mortgage Bond Requirements
Louisiana mortgage bond requirements are tied to the Louisiana S.A.F.E. Residential Mortgage Lending Act and the licensing process administered by the Louisiana Office of Financial Institutions through NMLS. The bond is payable to the State of Louisiana Office of Financial Institutions and is for the benefit of persons who suffer damage or loss because of a covered breach, obligation, or violation of law.
| Louisiana License or Authority | Common Bond Amount | How the Amount Works | Quote |
|---|---|---|---|
| Residential Mortgage Lender | $25,000 or $50,000 | Commonly based on prior-year total loan volume, with $25,000 for new applicants or under $100 million and $50,000 for $100 million or more. | Get Quote |
| Mortgage Broker | $25,000 or $50,000 | Commonly based on prior-year total loan volume, with the amount confirmed through NMLS or Louisiana OFI instructions. | Get Quote |
| Mortgage Servicer | $25,000 or $50,000 | Servicing activity may be included in the Louisiana mortgage bond amount calculation and should be confirmed against the NMLS checklist. | Get Quote |
| Mortgage Loan Originator | Covered by employer or principal bond when eligible | An MLO employed by, or acting as an exclusive agent for, a licensed mortgage broker, lender, or servicer may satisfy the bond requirement through that employer or principal bond. | Get Help |
Filing note: Louisiana OFI directs residential mortgage applicants to the NMLS State Resource Center for licensing and renewal checklists. Confirm the exact bond amount, form, effective date, and electronic filing steps before ordering.
Louisiana Mortgage Bond Amounts
Louisiana mortgage bond amounts are commonly shown as a two-tier schedule based on prior-year total mortgage volume. Use the current NMLS checklist or Louisiana OFI instruction as the final source for the bond amount required for your license.
| Prior-Year Louisiana Mortgage Volume | Common Bond Amount | Jet 1-Year Price | Quote |
|---|---|---|---|
| New applicant or under $100,000,000 | $25,000 | $125 | Get Quote |
| $100,000,000 or more | $50,000 | $249 | Get Quote |
Volume note: Louisiana mortgage volume may include originated, funded, brokered, and serviced mortgage loan activity depending on the license type and reporting instructions. Confirm the number used for the bond amount before filing.
Louisiana Residential Mortgage Lender Bond
The Louisiana Residential Mortgage Lender Bond applies to residential mortgage lenders licensed through the Louisiana Office of Financial Institutions. The bond is commonly $25,000 or $50,000, based on prior-year mortgage volume.
License Type
Louisiana Residential Mortgage Lender License.
Common Bond Limits
$25,000 for new applicants or lower-volume licensees; $50,000 for higher-volume licensees.
Starting Price
$125 for one year or $13 monthly for the $25,000 bond.
The bond is in favor of the State of Louisiana Office of Financial Institutions for the use, benefit, and indemnity of persons who suffer damage or loss because of a covered breach, obligation, or violation of law.
Louisiana Mortgage Broker Bond
The Louisiana Mortgage Broker Bond applies to licensed mortgage brokers that arrange, broker, solicit, or negotiate residential mortgage loans in Louisiana. The bond is commonly $25,000 or $50,000, depending on prior-year volume and the NMLS or Louisiana OFI checklist.
License Type
Louisiana Mortgage Broker License.
Common Bond Limits
$25,000 or $50,000.
Starting Price
$125 for one year or $13 monthly for the $25,000 bond.
The mortgage broker bond supports compliance with Louisiana residential mortgage lending law and provides a recovery path for covered violations.
Louisiana Mortgage Servicer Bond
The Louisiana Mortgage Servicer Bond applies when a company’s residential mortgage servicing activity is included in the Louisiana residential mortgage licensing and bond requirement. The common bond amount is $25,000 or $50,000, based on the applicable volume and current NMLS checklist.
Authority Type
Louisiana residential mortgage servicing authority.
Common Bond Limits
$25,000 or $50,000.
Starting Price
$125 for one year or $13 monthly for the $25,000 bond.
Use this option when the Louisiana or NMLS requirement references mortgage servicing, mortgage lender/servicer, or combined mortgage activity.
Louisiana Mortgage Loan Originator Bond Coverage
Louisiana mortgage loan originators must meet the applicable surety bond requirement. An MLO who is employed by, or is an exclusive agent for, a licensed mortgage broker, mortgage lender, or mortgage servicer may satisfy the requirement by showing that the employer or principal has obtained a bond that satisfies Louisiana requirements.
License Type
Louisiana Mortgage Loan Originator License.
How Coverage Works
The MLO may be covered by the employer or principal bond when the employer or principal bond satisfies Louisiana requirements.
Common Bond Limits
$25,000 or $50,000, depending on the applicable Louisiana requirement.
If the MLO is not covered by an employer or principal bond, confirm the independent bond requirement through NMLS or Louisiana OFI before ordering.
Louisiana Mortgage Bond Comparison
Louisiana mortgage bond requirements depend on the license type, employer coverage, and mortgage volume. This comparison helps identify which bond is most likely to apply before starting the quote.
| Requirement | Regulator | Common Bond Amount | Main Filing Point |
|---|---|---|---|
| Residential Mortgage Lender Bond | Louisiana Office of Financial Institutions | $25,000 or $50,000 | NMLS company license record |
| Mortgage Broker Bond | Louisiana Office of Financial Institutions | $25,000 or $50,000 | NMLS company license record |
| Mortgage Servicer Bond | Louisiana Office of Financial Institutions | $25,000 or $50,000 | NMLS company license record |
| Mortgage Loan Originator Bond Coverage | Louisiana Office of Financial Institutions | Covered by employer or principal bond when eligible | NMLS MLO license and sponsorship record |
How Louisiana Mortgage Bond Quotes Work
1
Confirm the Louisiana License
Identify whether the NMLS checklist references a Residential Mortgage Lender, Mortgage Broker, Mortgage Servicer, or Mortgage Loan Originator requirement.
2
Confirm the Bond Amount
Use the amount shown on the current Louisiana NMLS checklist or Louisiana OFI instruction. Common amounts are $25,000 and $50,000.
3
Buy and File
After purchase, Jet provides the bond or filing guidance based on the current Louisiana and NMLS process.
Need a Louisiana Mortgage License Bond?
Jet can help you choose the correct Louisiana Residential Mortgage Lender Bond, Mortgage Broker Bond, Mortgage Servicer Bond, or Mortgage Loan Originator coverage, review pricing, and get the bond issued for licensing.
Louisiana mortgage bond pricing starts at $125 for one year or $13 monthly for a $25,000 bond. The $50,000 bond is $249 for one year or $25 monthly.
Questions? Call (855) 516-3348 or email [email protected].
How Are Louisiana Mortgage Bonds Filed?
Louisiana residential mortgage licensing is handled through NMLS. Louisiana OFI directs applicants to the NMLS State Resource Center for licensing and renewal checklists, and NMLS should be used to confirm the current bond amount and filing process.
Jet can provide the required bond document or electronic filing guidance after purchase. Before ordering, confirm the company or individual legal name, NMLS ID, license type, bond amount, effective date, and whether the bond must be completed as an Electronic Surety Bond in NMLS.
NMLS Filing
The bond should match the legal name, NMLS ID, and Louisiana license record.
Employer Coverage
Mortgage loan originators may be covered by an employer or principal bond. Confirm coverage before buying a separate MLO bond.
Bond Changes
Contact Jet before changing the legal name, DBA, NMLS ID, bond amount, license authority, branch status, or servicing activity.
Louisiana Mortgage Bond Renewals, Changes, and Cancellations
Renewing Your Bond
Keep the Louisiana mortgage bond active for as long as the license requires coverage. Review the bond before renewal to confirm the legal name, NMLS ID, license type, employer coverage, and bond amount remain correct.
Changing the Bond
A bond change may be needed when the company or MLO changes its legal name, DBA, NMLS ID, bond amount, license authority, branch information, or employer coverage.
Cancelling or Replacing Your Bond
Louisiana mortgage bonds are continuous and may require advance notice before cancellation. Do not cancel a required bond until replacement coverage is accepted or the license no longer requires coverage.
What Does a Louisiana Mortgage License Bond Cover?
A Louisiana mortgage license bond is designed to protect the public and the state regulator, not the bonded mortgage company or mortgage loan originator. The bond is in favor of the State of Louisiana Office of Financial Institutions for the use, benefit, and indemnity of persons who suffer damage or loss because of a residential mortgage licensee’s breach of contract, breach of obligation, or violation of law.
The state or a person claiming against the bond may pursue an action for damages or other relief against the principal, the surety, or both. The surety’s total liability for all breaches does not exceed the bond amount.
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 Louisiana Mortgage Bond Claims
- Maintain continuous bond coverage for the correct Louisiana mortgage license or MLO coverage requirement.
- Match the bond to the exact legal name, DBA, NMLS ID, license type, employer coverage, and required bond amount.
- Confirm whether the bond is for a residential mortgage lender, mortgage broker, mortgage servicer, mortgage loan originator, or combined mortgage activity.
- Confirm whether a mortgage loan originator is covered by an employer or principal bond before purchasing separate coverage.
- Do not conduct Louisiana residential mortgage business without the correct license or registration.
- Do not advertise or represent loan terms in a misleading way.
- Do not charge unauthorized or prohibited fees.
- Maintain required books, records, mortgage call reports, annual renewals, and consumer disclosures.
- Keep company, branch, servicer, and MLO information current in NMLS.
- Contact Jet before cancelling, replacing, or changing the bond.
Want to Know More About Mortgage Bond Processes?
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Louisiana Mortgage License Bond FAQ
What Louisiana mortgage bonds are covered on this page?
This page covers Louisiana Residential Mortgage Lender Bonds, Mortgage Broker Bonds, Mortgage Servicer Bonds, and Mortgage Loan Originator bond coverage.
What is the Louisiana mortgage bond amount?
Louisiana mortgage bonds are commonly $25,000 or $50,000, based on prior-year mortgage volume and the current NMLS or Louisiana OFI requirement.
How much does a Louisiana mortgage bond cost?
Jet pricing for a $25,000 Louisiana mortgage bond is $125 for one year, $13 monthly, $219 for two years, or $313 for three years. Jet pricing for a $50,000 bond is $249 for one year, $25 monthly, $436 for two years, or $623 for three years.
Does a Louisiana mortgage broker need a bond?
Yes. Louisiana mortgage brokers commonly need a $25,000 or $50,000 mortgage bond as part of the residential mortgage licensing process.
Does a Louisiana residential mortgage lender need a bond?
Yes. Louisiana residential mortgage lenders commonly need a $25,000 or $50,000 mortgage bond as part of the licensing process.
Does a Louisiana mortgage servicer need a bond?
Yes. Louisiana mortgage servicer activity may be included in the residential mortgage bond requirement. Confirm the exact bond title and amount through the NMLS checklist.
Does a Louisiana mortgage loan originator need a separate bond?
A Louisiana mortgage loan originator may satisfy the bond requirement through an employer or principal bond when the MLO is employed by, or is an exclusive agent for, a licensed mortgage broker, lender, or servicer that maintains a qualifying bond.
Are Louisiana mortgage bonds filed through NMLS?
Louisiana OFI directs residential mortgage applicants to the NMLS State Resource Center for licensing and renewal checklists. Follow the current Louisiana NMLS checklist for exact bond filing steps.
Who should I contact for Louisiana 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 Louisiana mortgage license bond.
Get the Louisiana Mortgage Bond Required for Your License
Start by choosing the Louisiana bond that matches your license, employer coverage, servicing activity, or NMLS requirement. Jet will help with quoting, bond purchase, renewal support, and filing guidance when applicable.
Louisiana mortgage bond pricing starts at $125 for one year for a $25,000 bond and $249 for one year for a $50,000 bond.
Call: (855) 516-3348
Email: [email protected]