Notary Bond Application:
X
Missouri mortgage license surety bonds
Missouri Mortgage License Bonds
Missouri residential mortgage loan brokers, lenders, servicers, funders, purchasers, and mortgage companies may need a surety bond for licensing with the Missouri Division of Finance. Jet Insurance Company helps Missouri mortgage professionals quote, purchase, renew, replace, and manage the bond required for their NMLS filing.
Use this page to compare Missouri Residential Mortgage Loan Broker, Mortgage Lender, Mortgage Servicer, Mortgage Company, and Mortgage Broker, Lender and/or Servicer bond requirements, view Jet pricing, and get filing support for your Missouri mortgage license.
Need help? Call (855) 516-3348 or email [email protected].
Last updated: July 2026. Missouri mortgage bond requirements can change. Confirm the final license type, bond amount, filing method, and NMLS or Missouri Division of Finance checklist before filing.
Missouri Mortgage Bond Quick Answers
Which bonds are covered?
This page covers Missouri Residential Mortgage Loan Broker Bonds, Mortgage Lender Bonds, Mortgage Servicer Bonds, Mortgage Company Bonds, and Mortgage Broker, Lender and/or Servicer Bonds.
Who regulates these licenses?
The Missouri Division of Finance regulates residential mortgage loan brokers, lenders, servicers, funders, purchasers, and related mortgage company licensees.
What are common limits?
The Missouri bond starts at $50,000. The current Division schedule shows broker bonds up to $250,000 and funded or serviced loan bonds up to $500,000, with statute allowing up to $1,000,000 if determined by the director.
How do I get help?
Call (855) 516-3348 or email [email protected].
Choose Your Missouri Mortgage License Bond
The correct Missouri mortgage bond depends on whether the company brokers, funds, services, or purchases residential mortgage loans. Missouri’s current surety bond schedule is based on the amount of loans brokered, funded, and serviced. A company engaging in more than one mortgage activity should use the amount required for the applicable activity and volume shown by the Division of Finance or NMLS checklist.
Residential Mortgage Loan Broker Bond
For Missouri residential mortgage loan brokers that broker or arrange residential mortgage loans under the Missouri Secure and Fair Enforcement for Mortgage Licensing Act.
Bond limits: $50,000 to $250,000 on the current broker schedule
Starting price: $249 for one year or $25 monthly for the $50,000 bond.
Mortgage Lender Bond
For Missouri mortgage lenders, funders, or mortgage companies that fund residential mortgage loans.
Bond limits: $50,000 to $500,000 on the current funded loan schedule
Starting price: $249 for one year or $25 monthly for the $50,000 bond.
Mortgage Servicer Bond
For Missouri mortgage servicers whose license or NMLS checklist requires bond coverage based on serviced residential mortgage loans.
Bond limits: $50,000 to $500,000 on the current serviced loan schedule
Starting price: $249 for one year or $25 monthly for the $50,000 bond.
Mortgage Company Bond
For Missouri mortgage companies licensed to broker, fund, service, or purchase residential mortgage loans.
Bond limits: Minimum $50,000, with higher limits based on activity and volume
Starting price: $249 for one year or $25 monthly for the $50,000 bond.
Important: Missouri’s Division of Finance states that bond amounts are subject to change under Section 443.849.2 and may be set at no less than $50,000 and no more than $1,000,000 based on volume of activity as determined by the director. Always use the bond amount shown on the current Missouri Division of Finance or NMLS checklist.
Missouri 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 Missouri Use | Monthly | 1 Year | 2 Years | 3 Years |
|---|---|---|---|---|---|
| $50,000 | Minimum Missouri Residential Mortgage Loan Broker, lender, funder, or servicer bond | $25 | $249 | $436 | $623 |
| $75,000 | Broker bond for $15,000,001 to $22,500,000 in brokered loans | $38 | $375 | $656 | $938 |
| $100,000 | Funded or serviced loan bond for $7,500,001 to $15,000,000, or broker bond for $22,500,001 to $30,000,000 | $50 | $499 | $873 | $1,248 |
| $150,000 | Funded or serviced loan bond for $15,000,001 to $22,500,000, or broker bond for $30,000,001 to $45,000,000 | $75 | $749 | $1,311 | $1,873 |
| $200,000 | Funded or serviced loan bond for $22,500,001 to $30,000,000, or broker bond for $45,000,001 to $60,000,000 | $100 | $999 | $1,748 | $2,498 |
| $250,000 | Maximum current broker schedule amount, or higher company activity amount if assigned | $125 | $1,249 | $2,186 | $3,123 |
| $300,000 | Funded or serviced loan bond for $30,000,001 to $45,000,000 | $150 | $1,499 | $2,623 | $3,748 |
| $400,000 | Funded or serviced loan bond for $45,000,001 to $60,000,000 | $200 | $1,999 | $3,498 | $4,998 |
| $500,000 | Funded or serviced loan bond for $60,000,001 or more on the current schedule | $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 Missouri Mortgage Bond Pricing
Start a quote online and select the Missouri bond that matches your license or NMLS checklist. Jet can help confirm whether you need a Residential Mortgage Loan Broker Bond, Mortgage Lender Bond, Mortgage Servicer Bond, Mortgage Company Bond, or Mortgage Broker, Lender and/or Servicer Bond.
Questions? Call (855) 516-3348 or email [email protected].
Missouri Mortgage Bond Requirements
Missouri requires a license to broker, fund, service, or purchase residential mortgage loans unless an exemption applies. Before issuing a license, the Division of Finance reviews character, general fitness, experience, and financial responsibility. Company licensure includes a Residential Mortgage Loan Broker Bond, with the amount based on the volume of loans brokered, funded, and serviced.
| Missouri License or Authority | Bond Amount | How the Amount Works | Quote |
|---|---|---|---|
| Residential Mortgage Loan Broker | $50,000 to $250,000 on current broker schedule | Based on loans brokered. The minimum bond is $50,000. | Get Quote |
| Mortgage Lender or Funder | $50,000 to $500,000 on current funded loan schedule | Based on loans funded. Higher limits apply as volume increases. | Get Quote |
| Mortgage Servicer | $50,000 to $500,000 on current serviced loan schedule | Based on loans serviced. Higher limits apply as volume increases. | Get Quote |
| Mortgage Company License or Company Registration | Minimum $50,000, with higher limits based on activity | Use the activity and volume shown on the Missouri Division of Finance or NMLS checklist. | Get Quote |
| Mortgage Broker, Lender and/or Servicer | $50,000 to $500,000 on the current published schedule; up to $1,000,000 if assigned | Use the highest applicable amount for the activity being conducted and the amount determined by the director. | Get Quote |
Filing note: Missouri mortgage licensing is administered through NMLS. The Missouri bond form is for the State of Missouri, for use by the State and for the benefit of persons who may have a cause of action under the Missouri SAFE Act. Confirm the exact bond amount, electronic surety bond status, and filing requirements on the current Missouri NMLS checklist.
Missouri Mortgage Bond Amounts
Missouri’s current surety bond schedule uses different amounts for loans brokered, loans funded, and loans serviced. Use the column that matches the company’s Missouri mortgage activity, and confirm the final amount through NMLS or the Missouri Division of Finance.
| Amount of Loans Brokered, Funded, or Serviced | Brokered Loans Bond | Funded Loans Bond | Serviced Loans Bond |
|---|---|---|---|
| $7,500,000 or less | $50,000 | $50,000 | $50,000 |
| $7,500,001 to $15,000,000 | $50,000 | $100,000 | $100,000 |
| $15,000,001 to $22,500,000 | $75,000 | $150,000 | $150,000 |
| $22,500,001 to $30,000,000 | $100,000 | $200,000 | $200,000 |
| $30,000,001 to $45,000,000 | $150,000 | $300,000 | $300,000 |
| $45,000,001 to $60,000,000 | $200,000 | $400,000 | $400,000 |
| $60,000,001 or more | $250,000 | $500,000 | $500,000 |
Director determination note: Missouri’s statutory range can allow a required bond from $50,000 to $1,000,000 based on activity as determined by the director. Use the current Missouri Division of Finance bond amount or NMLS checklist as the final authority.
Missouri Residential Mortgage Loan Broker Bond
The Missouri Residential Mortgage Loan Broker Bond applies to companies that broker or arrange residential mortgage loans. The current Missouri schedule sets broker bond amounts from $50,000 to $250,000 based on brokered loan volume.
License Type
Missouri Residential Mortgage Loan Broker License or mortgage company authority involving brokered loans.
Bond Limits
$50,000 to $250,000 on the current brokered loan schedule.
Starting Price
$249 for one year or $25 monthly for the $50,000 bond.
Use this option when the Missouri or NMLS checklist references residential mortgage loan broker authority, brokered loans, or mortgage broker activity.
Missouri Mortgage Lender Bond
The Missouri Mortgage Lender Bond applies to companies that fund residential mortgage loans in Missouri. The current Missouri schedule sets funded loan bond amounts from $50,000 to $500,000 based on loan volume.
Authority Type
Missouri mortgage lender, funder, or mortgage company authority involving funded loans.
Bond Limits
$50,000 to $500,000 on the current funded loan schedule.
Starting Price
$249 for one year or $25 monthly for the $50,000 bond.
Use this option when the Missouri or NMLS checklist references mortgage lending, funding, or purchasing residential mortgage loans.
Missouri Mortgage Servicer Bond
The Missouri Mortgage Servicer Bond applies to companies that service residential mortgage loans in Missouri. The current Missouri schedule sets serviced loan bond amounts from $50,000 to $500,000 based on serviced loan volume.
Authority Type
Missouri mortgage servicer or mortgage company authority involving serviced loans.
Bond Limits
$50,000 to $500,000 on the current serviced loan schedule.
Starting Price
$249 for one year or $25 monthly for the $50,000 bond.
Use this option when the Missouri or NMLS checklist references mortgage servicing or serviced residential mortgage loans.
Missouri Mortgage Company Bond
The Missouri Mortgage Company Bond option is for mortgage companies whose license, registration, or NMLS checklist references brokering, funding, servicing, or purchasing residential mortgage loans. Missouri’s Division of Finance administers mortgage licensing, and the bond amount is tied to the company’s activity and volume.
Company Activity
Brokering, funding, servicing, or purchasing residential mortgage loans in Missouri.
Bond Limits
Minimum $50,000, with higher limits based on activity and volume.
Starting Price
$249 for one year or $25 monthly for the $50,000 bond.
Use this option when the Missouri or NMLS requirement references a mortgage company license, company registration, or combined mortgage authority.
Missouri Mortgage Bond Comparison
Missouri mortgage bond requirements depend on the company’s mortgage activity and the volume of loans brokered, funded, or serviced.
| Requirement | Regulator | Bond Amount | Main Filing Point |
|---|---|---|---|
| Residential Mortgage Loan Broker Bond | Missouri Division of Finance | $50,000 to $250,000 on current broker schedule | NMLS company license record |
| Mortgage Lender or Funder Bond | Missouri Division of Finance | $50,000 to $500,000 on current funded loan schedule | NMLS company license record |
| Mortgage Servicer Bond | Missouri Division of Finance | $50,000 to $500,000 on current serviced loan schedule | NMLS company license record |
| Mortgage Broker, Lender and/or Servicer Bond | Missouri Division of Finance | Minimum $50,000; higher based on activity and director determination | NMLS company license record |
How Missouri Mortgage Bond Quotes Work
1
Confirm the Missouri Activity
Identify whether the company brokers, funds, services, purchases, or combines multiple residential mortgage loan activities.
2
Confirm the Bond Amount
Use the current Missouri Division of Finance surety bond schedule and the amount shown on the NMLS checklist or licensing instruction.
3
Buy and File
After purchase, Jet provides the bond or filing guidance based on the current Missouri and NMLS process.
Need a Missouri Mortgage License Bond?
Jet can help you choose the correct Missouri Residential Mortgage Loan Broker Bond, Mortgage Lender Bond, Mortgage Servicer Bond, Mortgage Company Bond, or Mortgage Broker, Lender and/or Servicer Bond, review pricing, and get the bond issued for licensing.
Missouri mortgage bond pricing starts at $249 for one year or $25 monthly for the $50,000 bond. Higher bond limits are available based on brokered, funded, or serviced loan volume.
Questions? Call (855) 516-3348 or email [email protected].
How Are Missouri Mortgage Bonds Filed?
Missouri mortgage company licensing is administered through NMLS. The Missouri residential mortgage bond should match the company’s legal name, trade names, NMLS ID, bond amount, and effective date. Missouri’s current bond form provides that the surety may reduce coverage or cancel the bond 60 days from receipt of notice delivered electronically through NMLS to the principal and the Commissioner of Finance.
Jet can provide the required bond document or electronic filing guidance after purchase. Before ordering, confirm the company legal name, trade names, 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, trade names, NMLS ID, Missouri license record, and required bond amount.
Activity Schedule
Confirm whether the required amount is based on brokered, funded, serviced, or combined loan activity.
Bond Changes
Contact Jet before changing the legal name, DBA, NMLS ID, bond amount, license authority, brokered volume, funded volume, or serviced volume.
Missouri Mortgage Bond Renewals, Changes, and Cancellations
Renewing Your Bond
Keep the Missouri mortgage bond active for as long as the license requires coverage. Review the bond before renewal to confirm the legal name, trade names, NMLS ID, activity type, loan volume, and bond amount remain correct.
Changing the Bond
A bond change may be needed when the company changes its legal name, trade names, NMLS ID, bond amount, mortgage authority, brokered volume, funded volume, or serviced volume.
Cancelling or Replacing Your Bond
Missouri’s bond form provides for 60 days’ cancellation notice through NMLS. Do not cancel a required Missouri mortgage bond until replacement coverage is accepted or the license no longer requires coverage.
What Does a Missouri Mortgage License Bond Cover?
A Missouri mortgage license bond is designed to protect the public and the state regulator, not the bonded mortgage company. The bond is held for the State of Missouri, for use by the State and for the benefit of any person who may have a cause of action under the Missouri SAFE Act.
The Missouri bond form requires the principal and its employees or agents to faithfully conform to the Act, related rules, regulations, and lawful orders of the Commissioner of Finance, and to pay money that may become due or owing to the State or covered persons under the Act.
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 Missouri Mortgage Bond Claims
- Maintain continuous bond coverage for the correct Missouri mortgage license or company registration.
- Match the bond to the exact legal name, trade names, NMLS ID, license type, and required bond amount.
- Use the correct Missouri activity schedule for brokered, funded, or serviced loan volume.
- Confirm the bond amount before renewal if Missouri loan volume changed during the prior year.
- Do not broker, fund, service, or purchase Missouri residential mortgage loans without the correct license or exemption.
- 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, trade name, servicer, and NMLS information current.
- Contact Jet before cancelling, replacing, or changing the bond.
Want to Know More About Mortgage Bond Processes?
Popular Mortgage License Bond Guides
Missouri Mortgage License Bond FAQ
What Missouri mortgage bonds are covered on this page?
This page covers Missouri Residential Mortgage Loan Broker Bonds, Mortgage Lender Bonds, Mortgage Servicer Bonds, Mortgage Company Bonds, and Mortgage Broker, Lender and/or Servicer Bonds.
What is the minimum Missouri mortgage bond amount?
The minimum Missouri mortgage bond amount is $50,000.
What is the Missouri residential mortgage loan broker bond amount?
The current Missouri bond schedule shows broker bond amounts from $50,000 to $250,000 based on loans brokered.
What is the Missouri mortgage lender or servicer bond amount?
The current Missouri bond schedule shows funded and serviced loan bond amounts from $50,000 to $500,000 based on loans funded or serviced.
Can Missouri require more than $500,000?
Missouri’s licensing forms page notes that Section 443.849.2 requires the bond to be maintained in an amount of no less than $50,000 and no more than $1,000,000 based on volume of activity as determined by the director. Use the amount shown by the Division of Finance or NMLS as the final requirement.
How much does a Missouri mortgage bond cost?
Jet pricing starts at $249 for one year or $25 monthly for the $50,000 Missouri mortgage bond. Higher bond limits cost more.
Are Missouri mortgage bonds filed through NMLS?
Yes. Missouri mortgage company licensing and bond filing are handled through NMLS. Follow the current Missouri NMLS checklist for exact electronic surety bond filing steps.
Who should I contact for Missouri 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 Missouri mortgage license bond.
Get the Missouri Mortgage Bond Required for Your License
Start by choosing the Missouri bond that matches your license, company registration, brokered loan volume, funded loan volume, serviced loan volume, or NMLS requirement. Jet will help with quoting, bond purchase, renewal support, and filing guidance when applicable.
Missouri mortgage bond pricing starts at $249 for one year or $25 monthly for the $50,000 bond. Higher limits are available based on brokered, funded, or serviced loan volume.
Call: (855) 516-3348
Email: [email protected]