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Nevada mortgage license surety bonds
Nevada Mortgage License Bonds
Nevada mortgage companies, mortgage brokers, mortgage bankers, mortgage lenders, mortgage loan originators, mortgage servicers, and supplemental mortgage servicers may need surety bond coverage for licensing with the Nevada Division of Mortgage Lending. Jet Insurance Company helps Nevada mortgage professionals quote, purchase, renew, replace, and manage the bond required for their NMLS or Division filing.
Use this page to compare Nevada Mortgage Company, Mortgage Broker, Mortgage Banker, Mortgage Lender, Mortgage Loan Originator coverage, Mortgage Servicer, Supplemental Mortgage Servicer, and Mortgage Broker, Lender and/or Servicer bond requirements, view Jet pricing, and get filing support for your Nevada mortgage license.
Need help? Call (855) 516-3348 or email [email protected].
Last updated: July 2026. Nevada mortgage bond requirements can change. Confirm the final license type, bond amount, filing method, and NMLS or Nevada Division of Mortgage Lending checklist before filing.
Nevada Mortgage Bond Quick Answers
Which bonds are covered?
This page covers Nevada Mortgage Company Bonds, Mortgage Broker Bonds, Mortgage Banker Bonds, Mortgage Lender Bonds, Mortgage Loan Originator Bond Coverage, Mortgage Servicer Bonds, Supplemental Mortgage Servicer Bonds, and Mortgage Broker, Lender and/or Servicer Bonds.
Who regulates these licenses?
The Nevada Division of Mortgage Lending regulates mortgage companies, mortgage loan originators, mortgage servicers, supplemental mortgage servicers, and related non-depository mortgage activity.
What are common limits?
Nevada mortgage company bonds are $50,000 or $75,000 based on annual loan production. Nevada mortgage servicer bonds are $100,000, $200,000, or $300,000 based on annual servicing volume.
How do I get help?
Call (855) 516-3348 or email [email protected].
Choose Your Nevada Mortgage License Bond
The correct Nevada mortgage bond depends on whether the business is licensed as a mortgage company under NRS 645B, licensed as a mortgage servicer under the Nevada Mortgage Servicer Regulations, or needs mortgage loan originator coverage through a company bond. Nevada’s mortgage company bond amount is based on annual loan production. Nevada’s mortgage servicer bond amount is based on annual mortgage loan servicing volume.
Mortgage Company Bond
For Nevada mortgage companies licensed under NRS 645B to engage in mortgage company activity involving residential or commercial property.
Bond limits: $50,000 or $75,000
Amount basis: Annual loan production
Starting price: $249 for one year or $25 monthly for the $50,000 bond.
Mortgage Broker Bond
For Nevada mortgage brokers that broker, arrange, solicit, negotiate, or process mortgage loans under the mortgage company licensing framework.
Common bond title: Nevada Mortgage Company Bond
Bond limits: $50,000 or $75,000 based on annual loan production
Mortgage Banker Bond
For Nevada mortgage bankers or companies making or funding mortgage loans under the Nevada mortgage company license structure.
Common bond title: Nevada Mortgage Company Bond
Bond limits: $50,000 or $75,000 based on annual loan production
Mortgage Lender Bond
For Nevada mortgage lenders that originate, fund, or make mortgage loans and are licensed under the mortgage company framework.
Common bond title: Nevada Mortgage Company Bond
Bond limits: $50,000 or $75,000 based on annual loan production
Mortgage Servicer Bond
For Nevada mortgage servicers licensed under the Nevada Mortgage Servicer Regulations to service mortgage loans.
Bond limits: $100,000, $200,000, or $300,000
Amount basis: Annual mortgage loan servicing volume
Starting price: $499 for one year or $50 monthly for the $100,000 bond.
Supplemental Mortgage Servicer Bond
For Nevada supplemental mortgage servicer licensing when the Commissioner requires bond coverage that satisfies the Nevada Mortgage Servicer Regulations and related mortgage licensing rules.
Common bond limits: $100,000 to $300,000
Starting price: $499 for one year for the $100,000 bond.
Mortgage Loan Originator Bond Coverage
Nevada mortgage loan originators employed by or associated with a mortgage company must be named as principals on the mortgage company’s corporate surety bond.
Common coverage: Covered by the Nevada Mortgage Company Bond
Company bond limits: $50,000 or $75,000
Broker, Lender and/or Servicer Bond
For businesses whose NMLS checklist references Nevada mortgage company authority, mortgage broker activity, mortgage lender activity, mortgage banker activity, mortgage servicer authority, or MLO coverage.
Common limits: $50,000 to $300,000 depending on license type and volume
Starting price: $249 for one year for a $50,000 mortgage company bond.
Important: Nevada uses the Mortgage Company Bond for many broker, banker, and lender activities under NRS 645B. Mortgage servicers use a separate mortgage servicer bond schedule under NAC 645F. Confirm the exact license type, NMLS filing, bond form, bond amount, and whether MLOs must be named on the bond before ordering.
Nevada 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 Nevada Use | Monthly | 1 Year | 2 Years | 3 Years |
|---|---|---|---|---|---|
| $50,000 | Mortgage Company Bond for annual loan production of $20,000,000 or less | $25 | $249 | $436 | $623 |
| $75,000 | Mortgage Company Bond for annual loan production over $20,000,000 | $38 | $375 | $656 | $938 |
| $100,000 | Mortgage Servicer Bond for annual mortgage loan servicing volume under $50,000,000 | $50 | $499 | $873 | $1,248 |
| $200,000 | Mortgage Servicer Bond for annual servicing volume of $50,000,000 but less than $500,000,000 | $100 | $999 | $1,748 | $2,498 |
| $300,000 | Mortgage Servicer Bond for annual servicing volume of $500,000,000 or more | $150 | $1,499 | $2,623 | $3,748 |
Pricing shown is preferred-tier pricing and may vary based on underwriting approval, bond form, selected term, effective date, final required bond amount, license type, MLO coverage, annual loan production, annual servicing volume, NMLS filing status, and Nevada Division of Mortgage Lending requirements.
Get Nevada Mortgage Bond Pricing
Start a quote online and select the Nevada bond that matches your license or NMLS checklist. Jet can help confirm whether you need a Mortgage Company Bond, Mortgage Broker Bond, Mortgage Banker Bond, Mortgage Lender Bond, Mortgage Servicer Bond, Supplemental Mortgage Servicer Bond, or Mortgage Loan Originator coverage.
Questions? Call (855) 516-3348 or email [email protected].
Nevada Mortgage Bond Requirements
Nevada requires each licensed mortgage company to deposit and maintain a corporate surety bond payable to the State of Nevada. The bond must name the mortgage company and all mortgage loan originators employed by or associated with the mortgage company as principals. Nevada residential mortgage company applications and renewals are submitted through NMLS using the company form and branch form, while commercial-only mortgage companies may submit directly to the Division.
Mortgage servicers must deposit and maintain a separate corporate surety bond payable to the State of Nevada. The mortgage servicer bond amount is based on annual mortgage loan servicing volume reported to the Commissioner.
| Nevada License or Authority | Bond Amount | How the Amount Works | Quote |
|---|---|---|---|
| Mortgage Company | $50,000 or $75,000 | $50,000 for annual loan production of $20,000,000 or less; $75,000 for annual loan production over $20,000,000. | Get Quote |
| Mortgage Broker | $50,000 or $75,000 | Commonly bonded under the Nevada Mortgage Company Bond based on annual loan production. | Get Quote |
| Mortgage Banker or Mortgage Lender | $50,000 or $75,000 | Commonly bonded under the Nevada Mortgage Company Bond based on annual loan production. | Get Quote |
| Mortgage Loan Originator Coverage | Covered through the mortgage company bond | MLOs employed by or associated with the mortgage company must be named as principals on the company bond. | Get Help |
| Mortgage Servicer | $100,000, $200,000, or $300,000 | Based on annual mortgage loan servicing volume. | Get Quote |
| Supplemental Mortgage Servicer | Use the bond amount and form required by the Commissioner | The Commissioner may prescribe a single bond form that satisfies mortgage servicer requirements and related NAC 645B or 645E requirements for supplemental mortgage servicer licensing. | Get Quote |
| Mortgage Broker, Lender and/or Servicer | $50,000 to $300,000 | Use the mortgage company bond schedule for broker, lender, banker, and company authority. Use the servicer schedule for mortgage servicer authority. | Get Quote |
Filing note: Nevada residential mortgage company and mortgage loan originator applications are submitted through NMLS. Confirm the exact bond form, principal names, MLO principal listing, bond amount, electronic surety bond status, and filing instructions on the current Nevada NMLS checklist before ordering or filing the bond.
Nevada Mortgage Bond Amounts
Nevada has separate bond schedules for mortgage companies and mortgage servicers. Mortgage company bonds are based on annual loan production. Mortgage servicer bonds are based on annual mortgage loan servicing volume.
| Nevada Activity or Volume | Required Bond Amount | Jet Monthly Price | Jet 1-Year Price |
|---|---|---|---|
| Mortgage company annual loan production of $20,000,000 or less | $50,000 | $25 | $249 |
| Mortgage company annual loan production over $20,000,000 | $75,000 | $38 | $375 |
| Mortgage servicer annual servicing volume under $50,000,000 | $100,000 | $50 | $499 |
| Mortgage servicer annual servicing volume of $50,000,000 but less than $500,000,000 | $200,000 | $100 | $999 |
| Mortgage servicer annual servicing volume of $500,000,000 or more | $300,000 | $150 | $1,499 |
Volume note: Nevada’s Commissioner determines the initial mortgage company bond based on expected annual loan production and determines the amount annually based on actual annual loan production. Mortgage servicer bond amounts are determined using activity reports filed by the mortgage servicer.
Nevada Mortgage Company Bond
The Nevada Mortgage Company Bond applies to licensed mortgage companies under NRS 645B. Nevada requires any person engaging in an activity meeting the statutory definition of mortgage company for residential or commercial property to obtain a mortgage company license unless an exemption applies.
License Type
Nevada Mortgage Company License.
Bond Limits
$50,000 for annual loan production of $20,000,000 or less; $75,000 for annual loan production over $20,000,000.
Starting Price
$249 for one year or $25 monthly for the $50,000 bond.
Use this option when the Nevada or NMLS checklist references Mortgage Company License, mortgage company authority, NRS 645B, or a Nevada Mortgage Company Bond.
Nevada Mortgage Broker Bond
Nevada mortgage brokers are commonly licensed under the mortgage company framework. The bond commonly filed for this activity is the Nevada Mortgage Company Bond, with the bond amount based on annual loan production.
License Type
Nevada Mortgage Company License for mortgage broker activity.
Bond Limits
$50,000 or $75,000 based on annual loan production.
Starting Price
$249 for one year or $25 monthly for the $50,000 bond.
Use this option when the Nevada or NMLS checklist references mortgage broker activity, arranging loans, negotiating loans, processing loans, or mortgage company authority.
Nevada Mortgage Banker Bond
Nevada mortgage bankers are commonly licensed under the mortgage company framework. The bond commonly filed for this activity is the Nevada Mortgage Company Bond, with the amount based on annual loan production.
License Type
Nevada Mortgage Company License for mortgage banker activity.
Bond Limits
$50,000 or $75,000 based on annual loan production.
Starting Price
$249 for one year or $25 monthly for the $50,000 bond.
Use this option when the Nevada or NMLS checklist references mortgage banker activity, making loans, funding loans, or mortgage company authority.
Nevada Mortgage Lender Bond
Nevada mortgage lenders are commonly licensed under the mortgage company framework. The Nevada Mortgage Company Bond is the common bond used for lender activity under NRS 645B, with the amount based on annual loan production.
License Type
Nevada Mortgage Company License for mortgage lender activity.
Bond Limits
$50,000 or $75,000 based on annual loan production.
Starting Price
$249 for one year or $25 monthly for the $50,000 bond.
Use this option when the Nevada or NMLS checklist references mortgage lender activity, residential mortgage lending, commercial mortgage activity, funded loans, or mortgage company authority.
Nevada Mortgage Servicer Bond
The Nevada Mortgage Servicer Bond applies to mortgage servicers licensed under the Nevada Mortgage Servicer Regulations. Each mortgage servicer must maintain a corporate surety bond payable to the State of Nevada naming the mortgage servicer and the employees or agents of the mortgage servicer as principals.
License Type
Nevada Mortgage Servicer License.
Bond Limits
$100,000, $200,000, or $300,000 based on annual mortgage loan servicing volume.
Starting Price
$499 for one year or $50 monthly for the $100,000 bond.
Use this option when the Nevada or NMLS checklist references mortgage servicing, mortgage servicer licensing, annual servicing volume, or a Nevada Mortgage Servicer Bond.
Nevada Supplemental Mortgage Servicer Bond
Nevada rules allow the Commissioner to prescribe a single bond form that satisfies the bonding requirements for the Nevada Mortgage Servicer Regulations and related NAC 645B or NAC 645E requirements for a person issued a supplemental mortgage servicer license.
License Type
Nevada Supplemental Mortgage Servicer License.
Bond Amount
Use the amount and bond form required by the Commissioner or NMLS checklist.
Starting Reference
Jet pricing for a $100,000 bond is $499 for one year or $50 monthly.
Use this option when the Nevada or NMLS checklist references supplemental mortgage servicer licensing, combined servicer bond coverage, or a Commissioner-prescribed bond form.
Nevada Mortgage Loan Originator Bond Coverage
Nevada requires the mortgage company’s corporate surety bond to name all mortgage loan originators employed by or associated with the mortgage company as principals. At the time of MLO license application or renewal, the applicant must file proof that the applicant is named as a principal on the mortgage company bond for the company with whom the applicant is associated or employed.
License Type
Nevada Mortgage Loan Originator License.
How Coverage Works
MLOs are named as principals on the Nevada Mortgage Company Bond.
Company Bond Limits
$50,000 or $75,000 based on the mortgage company’s annual loan production.
Before ordering separate MLO coverage, confirm whether the mortgage loan originator is named as a principal on the Nevada Mortgage Company Bond and whether the MLO association or employment relationship is reflected correctly in NMLS.
Nevada Mortgage Broker, Lender and/or Servicer Bond
The Nevada Mortgage Broker, Lender and/or Servicer Bond option is for mortgage businesses whose NMLS or Division requirement references broader mortgage authority, mortgage company authority, broker activity, lender activity, banker activity, servicer authority, supplemental servicer authority, or MLO coverage.
Authority Type
Nevada mortgage company, mortgage broker, mortgage banker, mortgage lender, mortgage servicer, supplemental mortgage servicer, or MLO sponsor authority.
Common Bond Limits
$50,000 or $75,000 for mortgage companies; $100,000, $200,000, or $300,000 for mortgage servicers.
Starting Price
$249 for one year for a $50,000 mortgage company bond or $499 for one year for a $100,000 mortgage servicer bond.
Use this option when the Nevada or NMLS requirement references mortgage broker, mortgage lender, mortgage banker, mortgage servicer, MLO coverage, or combined mortgage activity rather than a narrower bond title.
Nevada Mortgage Bond Comparison
Nevada mortgage bond requirements depend on the license type, whether the activity is mortgage company activity or mortgage servicing activity, annual loan production, annual servicing volume, and whether MLO coverage is handled through the company bond.
| Requirement | Regulator | Bond Amount | Main Filing Point |
|---|---|---|---|
| Mortgage Company Bond | Nevada Division of Mortgage Lending | $50,000 or $75,000 based on annual loan production | NMLS for residential mortgage companies; Division for commercial-only filings when applicable |
| Mortgage Broker Bond | Nevada Division of Mortgage Lending | Commonly filed as the Mortgage Company Bond | NMLS or Division license record |
| Mortgage Banker or Lender Bond | Nevada Division of Mortgage Lending | Commonly filed as the Mortgage Company Bond | NMLS or Division license record |
| Mortgage Loan Originator Coverage | Nevada Division of Mortgage Lending | Covered through mortgage company bond when the MLO is named as a principal | NMLS MLO license and company association record |
| Mortgage Servicer Bond | Nevada Division of Mortgage Lending | $100,000, $200,000, or $300,000 based on annual mortgage loan servicing volume | NMLS mortgage servicer license record |
| Supplemental Mortgage Servicer Bond | Nevada Division of Mortgage Lending | As required by the Commissioner or NMLS checklist | NMLS or Division supplemental servicer record |
How Nevada Mortgage Bond Quotes Work
1
Confirm the Nevada License
Identify whether the checklist references Mortgage Company, Mortgage Broker, Mortgage Banker, Mortgage Lender, Mortgage Servicer, Supplemental Mortgage Servicer, or Mortgage Loan Originator coverage.
2
Confirm the Bond Amount
Use $50,000 or $75,000 for mortgage company authority based on annual loan production. Use $100,000, $200,000, or $300,000 for mortgage servicer authority based on annual servicing volume.
3
Buy and File
After purchase, Jet provides the bond or filing guidance based on the current Nevada Division of Mortgage Lending and NMLS process.
Need a Nevada Mortgage License Bond?
Jet can help you choose the correct Nevada Mortgage Company Bond, Mortgage Broker Bond, Mortgage Banker Bond, Mortgage Lender Bond, Mortgage Servicer Bond, Supplemental Mortgage Servicer Bond, Mortgage Loan Originator coverage, or Mortgage Broker, Lender and/or Servicer Bond, review pricing, and get the bond issued for licensing.
Nevada mortgage bond pricing starts at $249 for one year for the $50,000 Mortgage Company Bond and $499 for one year for the $100,000 Mortgage Servicer Bond. Higher limits are available based on annual loan production or servicing volume.
Questions? Call (855) 516-3348 or email [email protected].
How Are Nevada Mortgage Bonds Filed?
Nevada residential mortgage company applications and renewals are submitted through NMLS using the company form for the principal office and the branch form for each branch location. Mortgage loan originator applications and renewals for residential MLOs are also submitted through NMLS. Commercial-only mortgage company and commercial-only MLO applications may be submitted directly to the Division.
The bond should match the legal name, license type, NMLS ID, principal listing, bond amount, and effective date required by the Nevada Division of Mortgage Lending. For mortgage company bonds, confirm that the mortgage company and all MLOs employed by or associated with the company are named as principals as required.
NMLS Filing
The bond should match the legal name, NMLS ID, Nevada license record, required bond amount, and company or individual association details.
MLO Coverage
Confirm that each Nevada MLO is named as a principal on the mortgage company bond for the company with whom the MLO is associated or employed.
Bond Changes
Contact Jet before changing the legal name, DBA, NMLS ID, bond amount, license type, annual loan production, servicing volume, MLO association, or principal listing.
Nevada Mortgage Bond Renewals, Changes, and Cancellations
Renewing Your Bond
Keep the Nevada mortgage bond active for all periods of licensing. Review the bond before renewal to confirm the legal name, NMLS ID, license type, MLO principal listing, annual loan production, servicing volume, and bond amount remain correct.
Changing the Bond
A bond increase may be required if annual loan production or servicing volume changes. A bond change may also be needed after a legal name, DBA, NMLS ID, license authority, servicing authority, or MLO association change.
Cancelling or Replacing Your Bond
Nevada law includes cancellation notice requirements and can lead to license issues if equivalent bond coverage is not furnished. Do not cancel a required Nevada mortgage bond until replacement coverage is accepted or the license no longer requires coverage.
What Does a Nevada Mortgage License Bond Cover?
A Nevada mortgage license bond is designed to protect the State of Nevada and persons who may have a valid claim arising from covered violations by the bonded licensee, employees, agents, or mortgage loan originators named on the bond. The bond is not insurance for the bonded mortgage company or mortgage servicer.
The Nevada Mortgage Company Bond must name the mortgage company and all mortgage loan originators employed by or associated with the mortgage company as principals. The Nevada Mortgage Servicer Bond must name the mortgage servicer and the employees or agents of the mortgage servicer as principals.
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 Nevada Mortgage Bond Claims
- Maintain continuous bond coverage for the correct Nevada mortgage company, mortgage servicer, supplemental mortgage servicer, or MLO coverage requirement.
- Match the bond to the exact legal name, DBA, NMLS ID, license type, principal listing, and required bond amount.
- Use the correct annual loan production to determine the Nevada Mortgage Company Bond amount.
- Use the correct annual mortgage loan servicing volume to determine the Nevada Mortgage Servicer Bond amount.
- Confirm that all mortgage loan originators employed by or associated with the mortgage company are named as principals on the company bond.
- Do not conduct Nevada mortgage company, mortgage broker, mortgage banker, mortgage lender, mortgage servicer, supplemental servicer, or MLO activity without the correct license or exemption.
- Do not advertise or represent loan terms in a false, misleading, or deceptive way.
- Submit required monthly activity reports, mortgage call reports, annual financial statements, renewals, and license amendments on time.
- Maintain required books, records, consumer disclosures, servicing records, complaint documentation, and Nevada-specific disclosures.
- Keep company, branch, qualified employee, MLO association, servicing, and license information current in NMLS and with the Division.
- Contact Jet before cancelling, replacing, or changing the bond.
Want to Know More About Mortgage Bond Processes?
Popular Mortgage License Bond Guides
Nevada Mortgage License Bond FAQ
What Nevada mortgage bonds are covered on this page?
This page covers Nevada Mortgage Company Bonds, Mortgage Broker Bonds, Mortgage Banker Bonds, Mortgage Lender Bonds, Mortgage Servicer Bonds, Supplemental Mortgage Servicer Bonds, Mortgage Loan Originator bond coverage, and Mortgage Broker, Lender and/or Servicer Bonds.
What is the Nevada Mortgage Company Bond amount?
The Nevada Mortgage Company Bond is $50,000 for annual loan production of $20,000,000 or less and $75,000 for annual loan production over $20,000,000.
How much does a Nevada Mortgage Company Bond cost?
Jet pricing for a $50,000 Nevada Mortgage Company Bond is $249 for one year, $25 monthly, $436 for two years, or $623 for three years. Jet pricing for a $75,000 bond is $375 for one year, $38 monthly, $656 for two years, or $938 for three years.
What is the Nevada Mortgage Servicer Bond amount?
The Nevada Mortgage Servicer Bond is $100,000 for annual mortgage loan servicing volume under $50,000,000, $200,000 for annual servicing volume of $50,000,000 but less than $500,000,000, and $300,000 for annual servicing volume of $500,000,000 or more.
How much does a Nevada Mortgage Servicer Bond cost?
Jet pricing for a $100,000 Nevada Mortgage Servicer Bond is $499 for one year, $50 monthly, $873 for two years, or $1,248 for three years. Higher limits cost more.
Does a Nevada mortgage loan originator need an individual bond?
Nevada requires mortgage loan originators employed by or associated with a mortgage company to be named as principals on the mortgage company’s corporate surety bond. Confirm the MLO’s company association and principal listing before purchasing separate coverage.
Does Nevada have separate mortgage broker and mortgage lender bonds?
Nevada commonly uses the Mortgage Company Bond for mortgage company, broker, banker, and lender activity under NRS 645B. Use the exact bond title and amount shown on the Nevada or NMLS checklist before ordering.
Are Nevada mortgage bonds filed through NMLS?
Nevada residential mortgage company and mortgage loan originator applications and renewals are submitted through NMLS. Commercial-only mortgage company and commercial-only MLO filings may be submitted directly to the Division. Follow the current Nevada NMLS checklist and Division instructions for exact bond form, principal listing, filing, and electronic surety bond requirements.
Who should I contact for Nevada 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 Nevada mortgage license bond.
Get the Nevada Mortgage Bond Required for Your License
Start by choosing the Nevada bond that matches your license, company record, MLO coverage, annual loan production, servicing volume, renewal requirement, or NMLS checklist. Jet will help with quoting, bond purchase, renewal support, and filing guidance when applicable.
Nevada mortgage bond pricing starts at $249 for one year or $25 monthly for the $50,000 Mortgage Company Bond, and $499 for one year or $50 monthly for the $100,000 Mortgage Servicer Bond.
Call: (855) 516-3348
Email: [email protected]