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Maine mortgage license surety bonds
Maine Mortgage License Bonds
Maine supervised lenders, loan brokers, mortgage loan originators, and certain mortgage companies may need surety bond coverage for licensing through the Maine Bureau of Consumer Credit Protection and NMLS. Jet Insurance Company helps Maine mortgage professionals quote, purchase, renew, replace, and manage the bond required for their license or NMLS filing.
Use this page to compare Maine Supervised Lender, Loan Broker, Mortgage Loan Originator, and Mortgage Broker, Lender and/or Servicer bond requirements, view Jet pricing, and get filing support for your Maine mortgage license.
Need help? Call (855) 516-3348 or email [email protected].
Last updated: July 2026. Maine mortgage bond requirements can change. Confirm the final license type, bond amount, filing method, and NMLS or Maine Bureau of Consumer Credit Protection checklist before filing.
Maine Mortgage Bond Quick Answers
Which bonds are covered?
This page covers Maine Supervised Lender Bonds, Loan Broker Bonds, Mortgage Loan Originator Bond Coverage, and Mortgage Broker, Lender and/or Servicer Bonds.
Who regulates these licenses?
The Maine Bureau of Consumer Credit Protection regulates non-bank mortgage lenders, loan brokers, mortgage loan originators, and related consumer credit license types.
What are common limits?
Loan Broker Bonds are $25,000. Supervised Lender Bonds are commonly $50,000 per location, capped at $500,000. Individual MLO coverage is commonly $25,000 when required.
How do I get help?
Call (855) 516-3348 or email [email protected].
Choose Your Maine Mortgage License Bond
The correct Maine mortgage bond depends on the license type and activity. Maine loan brokers use a $25,000 bond. Maine supervised lenders commonly use a $50,000 bond per licensed location, capped at $500,000. Mortgage loan originators may be covered through a company bond or sponsorship, but independent MLO bond coverage is commonly $25,000 when required.
Supervised Lender Bond
For Maine supervised lenders, mortgage bankers, and mortgage lender companies licensed to make or service supervised loans or conduct covered residential mortgage lending activity.
Common bond limit: $50,000 per licensed location, capped at $500,000
Starting price: $249 for one year or $25 monthly for one $50,000 bond.
Loan Broker Bond
For Maine loan brokers, including mortgage loan brokers that arrange, broker, or assist borrowers in obtaining loans for compensation.
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 Coverage
For Maine mortgage loan originators, bond coverage may be satisfied through a sponsoring company bond. Independent MLO bond coverage is commonly $25,000 when the MLO is not covered by company sponsorship or another qualifying coverage path.
Common bond limit: $25,000 when independent coverage is required
Jet pricing: $125 for one year, $13 monthly, $219 for two years, or $313 for three years.
Mortgage Broker, Lender and/or Servicer Bond
For Maine mortgage businesses whose NMLS or BCCP requirement references mortgage broker, mortgage lender, supervised lender, loan broker, servicer, or combined mortgage activity.
Common limits: $25,000 for loan brokers; $50,000 per location for supervised lenders
Starting price: $125 for one year or $13 monthly for a $25,000 bond.
Important: Maine began receiving new and converted Electronic Surety Bonds through NMLS for Loan Broker and Supervised Lender licensees on September 1, 2025, and existing licensees were required to convert by January 31, 2026. Match the bond title, legal name, NMLS ID, effective date, and amount to the current Maine BCCP or NMLS checklist before filing.
Maine 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 Maine Use | Monthly | 1 Year | 2 Years | 3 Years |
|---|---|---|---|---|---|
| $25,000 | Loan Broker Bond or Mortgage Loan Originator Bond when independent coverage is required | $13 | $125 | $219 | $313 |
| $50,000 | Supervised Lender Bond for one licensed location | $25 | $249 | $436 | $623 |
| $100,000 | Supervised Lender Bond for two licensed locations | $50 | $499 | $873 | $1,248 |
| $150,000 | Supervised Lender Bond for three licensed locations | $75 | $749 | $1,311 | $1,873 |
| $250,000 | Supervised Lender Bond for five licensed locations | $125 | $1,249 | $2,186 | $3,123 |
| $500,000 | Supervised Lender Bond maximum cap | $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 Maine Mortgage Bond Pricing
Start a quote online and select the Maine bond that matches your license or NMLS checklist. Jet can help confirm whether you need a Supervised Lender Bond, Loan Broker Bond, Mortgage Loan Originator Bond, or Mortgage Broker, Lender and/or Servicer Bond.
Questions? Call (855) 516-3348 or email [email protected].
Maine Mortgage Bond Requirements
Maine mortgage bond requirements depend on the license type. Loan brokers must provide a $25,000 surety bond. Supervised lenders commonly provide a $50,000 bond per licensed location, capped at $500,000. Mortgage loan originators may be covered by their sponsoring company bond, but independent $25,000 coverage may be required when the MLO is not covered by a qualifying company sponsorship or bond.
| Maine License or Authority | Bond Amount | How the Amount Works | Quote |
|---|---|---|---|
| Supervised Lender | $50,000 per licensed location, capped at $500,000 | Used for supervised lenders, mortgage bankers, and covered mortgage lender activity licensed through Maine BCCP and NMLS. | Get Quote |
| Loan Broker | $25,000 | Required under Maine’s loan broker bond statute and used for loan broker or mortgage broker activity. | Get Quote |
| Mortgage Loan Originator Coverage | $25,000 when independent coverage is required | MLOs may be covered through the sponsoring company bond. Independent coverage may apply when the MLO is not covered by qualifying sponsorship or company bond coverage. | Get Help |
| Mortgage Broker, Lender and/or Servicer | $25,000, $50,000 per location, or no separate bond depending on license path | Use $25,000 for loan broker authority, $50,000 per location for supervised lender authority, and confirm if a loan servicer registration shows no separate bond requirement. | Get Quote |
Filing note: Maine BCCP uses NMLS for mortgage-related licensing and has adopted Electronic Surety Bonds for Loan Broker and Supervised Lender licensees. Confirm the exact bond amount, electronic surety bond status, and filing requirements on the current Maine NMLS checklist.
Maine Mortgage Bond Amounts
Maine’s common mortgage bond amounts are tied to the license type. Supervised lender bonds are commonly calculated by licensed location, while loan broker and independent MLO bond coverage commonly use a $25,000 amount.
| Maine License or Coverage Path | Bond Amount | Jet 1-Year Price | Quote |
|---|---|---|---|
| Loan Broker | $25,000 | $125 | Get Quote |
| Mortgage Loan Originator independent coverage when required | $25,000 | $125 | Get Quote |
| Supervised Lender, one licensed location | $50,000 | $249 | Get Quote |
| Supervised Lender, five licensed locations | $250,000 | $1,249 | Get Quote |
| Supervised Lender cap | $500,000 | $2,499 | Get Quote |
Location note: Supervised lender pricing should be confirmed against the number of licensed locations and the bond amount shown in NMLS. Maine licensing checklists and ESB filing requirements should be treated as the final source before filing.
Maine Supervised Lender Bond
The Maine Supervised Lender Bond applies to supervised lenders, mortgage bankers, and covered mortgage lender companies licensed through the Maine Bureau of Consumer Credit Protection. The bond is commonly $50,000 per licensed location and capped at $500,000.
License Type
Maine Supervised Lender License.
Common Bond Limit
$50,000 per licensed location, capped at $500,000.
Starting Price
$249 for one year or $25 monthly for one $50,000 bond.
Use this option when the Maine or NMLS checklist references supervised lender authority, mortgage banker authority, residential mortgage lending, or covered mortgage lending activity.
Maine Loan Broker Bond
The Maine Loan Broker Bond applies to loan brokers, including mortgage loan brokers, licensed under Maine’s loan broker framework. Maine law requires a $25,000 surety bond that runs to the State for use by the State and any person who may have a cause of action against the loan broker.
License Type
Maine Loan Broker License.
Bond Limit
$25,000.
Jet Pricing
$125 for one year, $13 monthly, $219 for two years, or $313 for three years.
Use this option when the Maine or NMLS checklist references loan broker authority, mortgage broker authority, or a residential mortgage loan broker bond.
Maine Mortgage Loan Originator Bond Coverage
Maine mortgage loan originators may satisfy bond coverage through a sponsoring company bond when the sponsorship and company bond meet the applicable requirements. Independent MLO coverage is commonly $25,000 when the originator is not covered by qualifying company sponsorship or another acceptable coverage path.
License Type
Maine Mortgage Loan Originator License.
How Coverage Works
The MLO may be covered through the sponsoring company’s Maine mortgage bond or may need independent coverage when not covered.
Common Bond Limit
$25,000 when independent coverage is required.
Before ordering an individual MLO bond, confirm whether the MLO is already covered by a Maine supervised lender or loan broker bond through a sponsoring company.
Maine Mortgage Broker, Lender and/or Servicer Bond
The Maine Mortgage Broker, Lender and/or Servicer Bond option is for mortgage businesses whose NMLS or Maine BCCP requirement references broader mortgage authority. The correct bond depends on whether the company is licensed as a Loan Broker, Supervised Lender, Mortgage Loan Originator sponsor, or Loan Servicer registrant.
Authority Type
Maine loan broker, mortgage broker, supervised lender, mortgage lender, MLO sponsor, or mortgage servicer authority shown in NMLS.
Common Bond Limits
$25,000 for loan broker or MLO independent coverage; $50,000 per location for supervised lender coverage.
Starting Price
$125 for one year or $13 monthly for a $25,000 bond.
Use this option when the Maine or NMLS requirement references mortgage broker, mortgage lender, supervised lender, loan broker, mortgage servicer, or combined mortgage activity rather than a narrower bond title.
Maine Loan Servicer Registration Note
Maine has a Loan Servicer Registration path through NMLS. Current licensing summaries commonly show no separate surety bond requirement for the Maine Loan Servicer Registration. A servicer that also holds a Supervised Lender License, Loan Broker License, or another Maine license may still need a bond tied to that separate authority.
Registration Type
Maine Loan Servicer Registration.
Separate Bond
Often shown as no separate surety bond for the registration itself.
Confirm Before Filing
Use the current NMLS checklist to confirm whether any bond is required based on the company’s full Maine activity.
Maine Mortgage Bond Comparison
Maine mortgage bond requirements depend on the license type and NMLS record. This comparison helps identify which bond is most likely to apply before starting the quote.
| Requirement | Regulator | Bond Amount | Main Filing Point |
|---|---|---|---|
| Supervised Lender Bond | Maine Bureau of Consumer Credit Protection | $50,000 per licensed location, capped at $500,000 | NMLS Electronic Surety Bond |
| Loan Broker Bond | Maine Bureau of Consumer Credit Protection | $25,000 | NMLS Electronic Surety Bond |
| Mortgage Loan Originator Bond Coverage | Maine Bureau of Consumer Credit Protection | $25,000 when independent coverage is required | NMLS MLO license and sponsorship record |
| Loan Servicer Registration | Maine Bureau of Consumer Credit Protection | No separate bond commonly shown for the registration itself | NMLS registration record |
How Maine Mortgage Bond Quotes Work
1
Confirm the Maine License
Identify whether the NMLS checklist references Supervised Lender, Loan Broker, Mortgage Loan Originator, Loan Servicer, or another Maine mortgage-related authority.
2
Confirm the Bond Amount
Use $25,000 for loan broker or MLO independent coverage when required, and $50,000 per licensed location for supervised lender bonds unless the checklist shows another amount.
3
Buy and File
After purchase, Jet provides the bond or filing guidance based on the current Maine and NMLS process.
Need a Maine Mortgage License Bond?
Jet can help you choose the correct Maine Supervised Lender Bond, Loan Broker Bond, Mortgage Loan Originator Bond, or Mortgage Broker, Lender and/or Servicer Bond, review pricing, and get the bond issued for licensing.
Maine mortgage bond pricing starts at $125 for one year or $13 monthly for a $25,000 bond. One-location Supervised Lender Bond pricing starts at $249 for one year or $25 monthly.
Questions? Call (855) 516-3348 or email [email protected].
How Are Maine Mortgage Bonds Filed?
Maine mortgage-related company licenses are managed through NMLS. Maine BCCP adopted Electronic Surety Bonds for Loan Broker and Supervised Lender licensees, and the ESB is associated with one company license. If a business holds multiple Maine licenses that require bond coverage, separate bonds may be needed for each license.
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 or registration 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 Maine license or registration record.
One Bond Per License
Maine ESBs are associated with one company license. Multiple Maine licenses requiring bonds may require separate ESBs.
Bond Changes
Contact Jet before changing the legal name, DBA, NMLS ID, bond amount, license authority, location count, servicer activity, or MLO sponsorship.
Maine Mortgage Bond Renewals, Changes, and Cancellations
Renewing Your Bond
Keep the Maine mortgage bond active for as long as the license or registration requires coverage. Review the bond before renewal to confirm the legal name, NMLS ID, license type, licensed location count, MLO coverage, and bond amount remain correct.
Changing the Bond
A bond change may be needed when the company changes its legal name, DBA, NMLS ID, bond amount, license authority, location count, servicer activity, or MLO sponsorship structure.
Cancelling or Replacing Your Bond
Do not cancel a required Maine mortgage bond until replacement coverage is accepted or the license or registration no longer requires coverage. NMLS supports cancellation notices and bond riders for Maine ESBs.
What Does a Maine Mortgage License Bond Cover?
A Maine mortgage license bond is designed to protect the public and the state regulator, not the bonded mortgage company or mortgage loan originator. The bond supports compliance with Maine consumer credit, loan broker, supervised lender, and mortgage licensing laws.
If a bonded licensee violates covered Maine mortgage or consumer credit laws, regulations, or licensing obligations, a damaged consumer or regulator may seek recovery from the bond. The surety’s total liability is limited to 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 Maine Mortgage Bond Claims
- Maintain continuous bond coverage for the correct Maine mortgage license, supervised lender authority, loan broker authority, or MLO coverage requirement.
- Match the bond to the exact legal name, DBA, NMLS ID, license type, registration type, location count, and required bond amount.
- Confirm whether the company is a supervised lender, loan broker, mortgage loan originator sponsor, loan servicer registrant, or a business with multiple Maine license types.
- Use separate bonds when Maine or NMLS requires bond coverage for more than one company license.
- Confirm whether a mortgage loan originator is covered by a sponsoring company bond before purchasing separate coverage.
- Do not conduct Maine mortgage or consumer credit 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, renewals, and consumer disclosures.
- Keep company, branch, location, servicer, and MLO information current in NMLS.
- Contact Jet before cancelling, replacing, or changing the bond.
Want to Know More About Mortgage Bond Processes?
Popular Mortgage License Bond Guides
Maine Mortgage License Bond FAQ
What Maine mortgage bonds are covered on this page?
This page covers Maine Supervised Lender Bonds, Loan Broker Bonds, Mortgage Loan Originator bond coverage, and Mortgage Broker, Lender and/or Servicer Bonds.
What is the Maine Supervised Lender Bond amount?
The Maine Supervised Lender Bond is commonly $50,000 per licensed location, capped at $500,000. Confirm the exact amount on the current Maine NMLS checklist.
How much does a Maine Supervised Lender Bond cost?
Jet pricing for a $50,000 Maine Supervised Lender Bond is $249 for one year, $25 monthly, $436 for two years, or $623 for three years. Higher aggregate limits cost more.
What is the Maine Loan Broker Bond amount?
The Maine Loan Broker Bond amount is $25,000.
How much does the Maine Loan Broker Bond cost?
Jet pricing for a $25,000 Maine Loan Broker Bond is $125 for one year, $13 monthly, $219 for two years, or $313 for three years.
Does a Maine Mortgage Loan Originator need a bond?
A Maine mortgage loan originator may be covered through a sponsoring company bond. Independent MLO bond coverage is commonly $25,000 when the MLO is not covered by qualifying company sponsorship or bond coverage.
Does a Maine Loan Servicer Registration need a bond?
Current licensing summaries commonly show no separate surety bond for the Maine Loan Servicer Registration itself. Confirm the current NMLS checklist before filing because a company may still need a bond for another Maine license it holds.
Are Maine mortgage bonds filed through NMLS?
Yes. Maine BCCP uses NMLS for mortgage-related licensing and has adopted Electronic Surety Bonds for Loan Broker and Supervised Lender licensees.
Who should I contact for Maine 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 Maine mortgage license bond.
Get the Maine Mortgage Bond Required for Your License
Start by choosing the Maine bond that matches your license, registration, MLO coverage, supervised lender location count, or NMLS requirement. Jet will help with quoting, bond purchase, renewal support, and filing guidance when applicable.
Maine mortgage bond pricing starts at $125 for one year for a $25,000 bond and $249 for one year for a $50,000 bond. Higher Supervised Lender Bond limits are available up to $500,000.
Call: (855) 516-3348
Email: [email protected]