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New Hampshire mortgage license surety bonds
New Hampshire Mortgage License Bonds
New Hampshire mortgage bankers, mortgage brokers, mortgage servicers, and mortgage loan originators may need surety bond coverage for licensing with the New Hampshire Banking Department. Jet Insurance Company helps New Hampshire mortgage professionals quote, purchase, renew, replace, and manage the bond required for their NMLS filing.
Use this page to compare New Hampshire Mortgage Banker, Mortgage Broker, Mortgage Servicer, Mortgage Loan Originator coverage, and Mortgage Broker, Lender and/or Servicer bond requirements, view Jet pricing, and get filing support for your New Hampshire mortgage license.
Need help? Call (855) 516-3348 or email [email protected].
Last updated: July 2026. New Hampshire mortgage bond requirements can change. Confirm the final license type, bond amount, filing method, and NMLS or New Hampshire Banking Department checklist before filing.
New Hampshire Mortgage Bond Quick Answers
Which bonds are covered?
This page covers New Hampshire Mortgage Banker Bonds, Mortgage Broker Bonds, Mortgage Servicer Bonds, Mortgage Loan Originator Bond Coverage, and Mortgage Broker, Lender and/or Servicer Bonds.
Who regulates these licenses?
The New Hampshire Banking Department regulates nondepository mortgage bankers, mortgage brokers, mortgage servicers, and mortgage loan originators under RSA 397-A.
What are the common limits?
Mortgage bankers and mortgage servicers must post a minimum $100,000 continuous surety bond. Mortgage brokers must post a minimum $50,000 continuous surety bond.
How do I get help?
Call (855) 516-3348 or email [email protected].
Choose Your New Hampshire Mortgage License Bond
The correct New Hampshire mortgage bond depends on whether the company is licensed as a mortgage banker, mortgage broker, mortgage servicer, or needs mortgage loan originator coverage. Mortgage bankers can act as mortgage brokers or mortgage servicers without obtaining a separate license, but the company should still follow the exact license type and bond amount shown by NMLS and the New Hampshire Banking Department.
Mortgage Banker Bond
For New Hampshire mortgage bankers that make, fund, originate, or service mortgage loans and are licensed under RSA 397-A.
Minimum bond limit: $100,000
Starting price: $499 for one year or $50 monthly for the $100,000 bond.
Mortgage Broker Bond
For New Hampshire mortgage brokers that broker, arrange, solicit, negotiate, or assist with mortgage loan applications for compensation.
Minimum bond limit: $50,000
Starting price: $249 for one year or $25 monthly for the $50,000 bond.
Mortgage Servicer Bond
For New Hampshire mortgage servicers licensed under RSA 397-A to service mortgage loans and handle New Hampshire servicing activity.
Minimum bond limit: $100,000
Starting price: $499 for one year or $50 monthly for the $100,000 bond.
Mortgage Loan Originator Bond Coverage
New Hampshire mortgage loan originators must be covered by the surety bond maintained by the mortgage banker, mortgage broker, or mortgage servicer that employs or retains the originator.
Common coverage: Covered by the licensed company bond
Company bond limits: $50,000 for brokers; $100,000 for bankers and servicers
Important: New Hampshire bond amounts are minimums and may be increased under conditions set by rule. Surety bond coverage must reflect the dollar amount of loans originated by each mortgage loan originator employed or retained by the licensed mortgage banker, broker, or servicer as determined by the commissioner.
New Hampshire 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 New Hampshire Use | Monthly | 1 Year | 2 Years | 3 Years |
|---|---|---|---|---|---|
| $50,000 | Mortgage Broker Bond | $25 | $249 | $436 | $623 |
| $100,000 | Mortgage Banker Bond, Mortgage Servicer Bond, or higher broker/company coverage if required | $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, license type, MLO coverage, and New Hampshire Banking Department requirements.
Get New Hampshire Mortgage Bond Pricing
Start a quote online and select the New Hampshire bond that matches your license or NMLS checklist. Jet can help confirm whether you need a Mortgage Banker Bond, Mortgage Broker Bond, Mortgage Servicer Bond, Mortgage Loan Originator coverage, or Mortgage Broker, Lender and/or Servicer Bond.
Questions? Call (855) 516-3348 or email [email protected].
New Hampshire Mortgage Bond Requirements
New Hampshire requires mortgage bankers, mortgage brokers, mortgage servicers, and mortgage originators to be licensed before conducting mortgage business under RSA 397-A. Each mortgage banker, broker, originator, and servicer must register with and maintain a valid NMLS unique identifier. New mortgage banker, broker, and servicer licensing is handled through NMLS.
Mortgage banker and mortgage servicer applicants must post a continuous surety bond in the minimum amount of $100,000 to the commissioner. Mortgage broker applicants must post a continuous surety bond in the minimum amount of $50,000 to the commissioner. Bond amounts may be increased under conditions set by rule.
| New Hampshire License or Authority | Minimum Bond Amount | How the Amount Works | Quote |
|---|---|---|---|
| Mortgage Banker | $100,000 | Continuous surety bond to the commissioner. Amount may be increased under conditions set by rule. | Get Quote |
| Mortgage Broker | $50,000 | Continuous surety bond to the commissioner. Amount may be increased under conditions set by rule. | Get Quote |
| Mortgage Servicer | $100,000 | Continuous surety bond to the commissioner. Amount may be increased under conditions set by rule. | Get Quote |
| Mortgage Loan Originator Coverage | Covered through the employer or retaining company bond | Originators must be covered by the bond maintained by the mortgage banker, mortgage broker, or mortgage servicer that employs or retains them. | Get Help |
| Mortgage Broker, Lender and/or Servicer | $50,000 or $100,000 depending on authority | Use $50,000 for mortgage broker authority and $100,000 for mortgage banker or mortgage servicer authority, unless the commissioner requires a higher amount. | Get Quote |
Filing note: New Hampshire mortgage licensing is handled through NMLS. Confirm the exact bond amount, bond form, electronic surety bond status, MLO coverage, and filing instructions on the current New Hampshire NMLS checklist before ordering or filing the bond.
New Hampshire Mortgage Bond Amounts
New Hampshire’s standard mortgage bond amounts are based on license type. Mortgage banker and mortgage servicer applicants begin at $100,000, while mortgage broker applicants begin at $50,000. The commissioner may require higher bond coverage under conditions set by rule, and MLO coverage must be included through the employing or retaining company’s bond.
| Bond Type | Minimum Bond Amount | Jet Monthly Price | Jet 1-Year Price |
|---|---|---|---|
| Mortgage Broker Bond | $50,000 | $25 | $249 |
| Mortgage Banker Bond | $100,000 | $50 | $499 |
| Mortgage Servicer Bond | $100,000 | $50 | $499 |
| Mortgage Loan Originator Coverage | Covered by company bond | Included with company bond when applicable | Included with company bond when applicable |
MLO coverage note: New Hampshire requires the company surety bond to provide coverage for each mortgage loan originator in an amount reflecting the dollar amount of loans originated, as determined by the commissioner.
New Hampshire Mortgage Banker Bond
The New Hampshire Mortgage Banker Bond applies to mortgage bankers licensed under RSA 397-A. A mortgage banker licensee may act as a mortgage broker or mortgage servicer without obtaining a separate license, but the bond should still match the company’s NMLS record and Banking Department requirements.
License Type
New Hampshire Mortgage Banker License.
Minimum Bond Limit
$100,000, subject to increase under conditions set by rule.
Jet Pricing
$499 for one year, $50 monthly, $873 for two years, or $1,248 for three years.
Use this option when the New Hampshire or NMLS checklist references mortgage banker authority, mortgage banking, mortgage lender activity, funded loans, mortgage servicing by a banker, or a New Hampshire Mortgage Banker Bond.
New Hampshire Mortgage Broker Bond
The New Hampshire Mortgage Broker Bond applies to mortgage brokers licensed under RSA 397-A. Mortgage brokers must post a continuous surety bond in the minimum amount of $50,000 to the commissioner, subject to increase under conditions set by rule.
License Type
New Hampshire Mortgage Broker License.
Minimum Bond Limit
$50,000, subject to increase under conditions set by rule.
Jet Pricing
$249 for one year, $25 monthly, $436 for two years, or $623 for three years.
Use this option when the New Hampshire or NMLS checklist references mortgage broker authority, arranging loans, negotiating loans, brokered loans, or a New Hampshire Mortgage Broker Bond.
New Hampshire Mortgage Servicer Bond
The New Hampshire Mortgage Servicer Bond applies to mortgage servicers licensed under RSA 397-A. Mortgage servicer applicants must post a continuous surety bond in the minimum amount of $100,000 to the commissioner, subject to increase under conditions set by rule.
License Type
New Hampshire Mortgage Servicer License.
Minimum Bond Limit
$100,000, subject to increase under conditions set by rule.
Jet Pricing
$499 for one year, $50 monthly, $873 for two years, or $1,248 for three years.
Use this option when the New Hampshire or NMLS checklist references mortgage servicing, servicing activity, foreclosure workout contact requirements, or a New Hampshire Mortgage Servicer Bond.
New Hampshire Mortgage Loan Originator Bond Coverage
New Hampshire mortgage loan originators must be covered by the surety bond maintained by the mortgage banker, mortgage broker, or mortgage servicer that employs or retains the originator. The originator’s license is only in effect when the originator is employed or retained by a licensed mortgage banker, mortgage broker, mortgage servicer, or qualifying exempt entity filing through NMLS.
License Type
New Hampshire Mortgage Loan Originator License.
How Coverage Works
Coverage is provided by the licensed mortgage banker, broker, or servicer company bond when the MLO is employed or retained by that company.
Company Bond Limits
$50,000 minimum for brokers and $100,000 minimum for bankers or servicers, subject to increase.
Before ordering separate MLO coverage, confirm whether the MLO is covered under the licensed company’s New Hampshire mortgage bond and sponsorship or retaining relationship.
New Hampshire Mortgage Broker, Lender and/or Servicer Bond
The New Hampshire Mortgage Broker, Lender and/or Servicer Bond option is for mortgage businesses whose NMLS or Banking Department requirement references broader mortgage authority. New Hampshire uses mortgage banker, mortgage broker, and mortgage servicer license categories, with minimum bond amounts tied to the license type.
Authority Type
New Hampshire mortgage banker, mortgage broker, mortgage servicer, mortgage company, or MLO sponsor authority.
Common Bond Limits
$50,000 for mortgage brokers and $100,000 for mortgage bankers or mortgage servicers.
Starting Price
$249 for one year for a $50,000 broker bond or $499 for one year for a $100,000 banker or servicer bond.
Use this option when the New Hampshire or NMLS requirement references mortgage broker, mortgage banker, mortgage lender, mortgage servicer, MLO coverage, or combined mortgage activity rather than a narrower bond title.
New Hampshire Mortgage Bond Comparison
New Hampshire mortgage bond requirements depend on the company’s license type and whether MLO coverage is handled through the licensed company bond.
| Requirement | Regulator | Bond Amount | Main Filing Point |
|---|---|---|---|
| Mortgage Banker Bond | New Hampshire Banking Department | $100,000 minimum, subject to increase | NMLS company license record |
| Mortgage Broker Bond | New Hampshire Banking Department | $50,000 minimum, subject to increase | NMLS company license record |
| Mortgage Servicer Bond | New Hampshire Banking Department | $100,000 minimum, subject to increase | NMLS company license record |
| Mortgage Loan Originator Coverage | New Hampshire Banking Department | Covered through the employer or retaining company bond | NMLS MLO license and company sponsorship or retaining record |
| Mortgage Broker, Lender and/or Servicer Bond | New Hampshire Banking Department | $50,000 or $100,000 depending on license type | NMLS company license record |
How New Hampshire Mortgage Bond Quotes Work
1
Confirm the New Hampshire License
Identify whether the NMLS checklist references Mortgage Banker, Mortgage Broker, Mortgage Servicer, Mortgage Loan Originator coverage, branch office licensing, or combined mortgage authority.
2
Confirm the Bond Amount
Use $50,000 for mortgage broker bonds and $100,000 for mortgage banker or mortgage servicer bonds unless the commissioner or checklist requires a higher amount.
3
Buy and File
After purchase, Jet provides the bond or filing guidance based on the current New Hampshire Banking Department and NMLS process.
Need a New Hampshire Mortgage License Bond?
Jet can help you choose the correct New Hampshire Mortgage Banker Bond, Mortgage Broker Bond, Mortgage Servicer Bond, Mortgage Loan Originator coverage, or Mortgage Broker, Lender and/or Servicer Bond, review pricing, and get the bond issued for licensing.
New Hampshire mortgage bond pricing starts at $249 for one year for a $50,000 mortgage broker bond and $499 for one year for a $100,000 mortgage banker or servicer bond.
Questions? Call (855) 516-3348 or email [email protected].
How Are New Hampshire Mortgage Bonds Filed?
New Hampshire mortgage banker, mortgage broker, and mortgage servicer licensing is handled through NMLS. The bond should match the company’s legal name, NMLS ID, license type, bond amount, and effective date. The New Hampshire Banking Department and commissioner should be treated as the regulator for the bond.
Jet can provide the required bond document or filing guidance after purchase. Before ordering, confirm the company legal name, NMLS ID, license type, bond amount, effective date, branch office licensing status, MLO coverage, 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, New Hampshire license record, and required bond amount.
MLO Coverage
Confirm that each MLO is covered by the surety bond maintained by the mortgage banker, broker, or servicer that employs or retains the originator.
Bond Changes
Contact Jet before changing the legal name, DBA, NMLS ID, bond amount, license type, branch structure, or MLO employment/retention relationship.
New Hampshire Mortgage Bond Renewals, Changes, and Cancellations
Renewing Your Bond
New Hampshire mortgage banker, broker, and servicer licenses expire on December 31 each year unless renewed. Review the bond before renewal to confirm the legal name, NMLS ID, license type, bond amount, MLO coverage, and company information remain correct.
Changing the Bond
A bond change may be needed if the Banking Department requires higher coverage, the company changes legal name, changes DBA, updates NMLS information, changes license authority, opens or closes locations, or changes MLO relationships.
Cancelling or Replacing Your Bond
New Hampshire surety bonds must include a provision requiring the surety to give the commissioner 30 days’ written notice before cancellation or termination. Do not cancel a required bond until replacement coverage is accepted or the license no longer requires coverage.
What Does a New Hampshire Mortgage License Bond Cover?
A New Hampshire mortgage license bond is designed to protect the public and support compliance with RSA 397-A, not to insure the bonded mortgage company. The bond is posted to the commissioner and supports faithful compliance with New Hampshire mortgage licensing law and related rules, orders, and requirements.
New Hampshire surety bonds must provide coverage in an amount that reflects the dollar amount of loans originated by each mortgage loan originator employed or retained by the mortgage banker, mortgage broker, or mortgage servicer, as determined by the commissioner.
Every bond must provide that recovery may not be made against the bond unless the state makes a claim for recovery or the person brings suit naming the licensee within 6 years after the act upon which the recovery or suit is based. When an action is commenced on the licensee’s bond, the licensee must immediately file a new bond.
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 New Hampshire Mortgage Bond Claims
- Maintain continuous bond coverage for the correct New Hampshire mortgage banker, mortgage broker, mortgage servicer, or MLO coverage requirement.
- Match the bond to the exact legal name, DBA, NMLS ID, license type, and required bond amount.
- Use at least the $50,000 minimum for mortgage broker bonds and the $100,000 minimum for mortgage banker or mortgage servicer bonds.
- Increase bond coverage if the commissioner or NMLS checklist requires a higher amount.
- Confirm that each mortgage loan originator is covered by the employing or retaining company’s bond.
- Do not conduct New Hampshire mortgage banking, brokering, servicing, or origination activity without the correct license or exemption.
- Do not advertise or represent mortgage rates, terms, or conditions in a false, misleading, or deceptive way.
- Retain advertising copies and required business records for the required recordkeeping period.
- Respond to consumer complaints within the time required by the Banking Department.
- Provide payoff information within the time required for New Hampshire mortgage servicing requests.
- Maintain required financial records, mortgage reports, renewals, disclosures, complaint documentation, and NMLS information.
- Contact Jet before cancelling, replacing, or changing the bond.
Want to Know More About Mortgage Bond Processes?
Popular Mortgage License Bond Guides
New Hampshire Mortgage License Bond FAQ
What New Hampshire mortgage bonds are covered on this page?
This page covers New Hampshire Mortgage Banker Bonds, Mortgage Broker Bonds, Mortgage Servicer Bonds, Mortgage Loan Originator bond coverage, and Mortgage Broker, Lender and/or Servicer Bonds.
What is the New Hampshire Mortgage Banker Bond amount?
The New Hampshire Mortgage Banker Bond minimum amount is $100,000. The commissioner may require a higher amount under conditions set by rule.
How much does a New Hampshire Mortgage Banker Bond cost?
Jet pricing for a $100,000 New Hampshire Mortgage Banker Bond is $499 for one year, $50 monthly, $873 for two years, or $1,248 for three years.
What is the New Hampshire Mortgage Broker Bond amount?
The New Hampshire Mortgage Broker Bond minimum amount is $50,000. The commissioner may require a higher amount under conditions set by rule.
How much does a New Hampshire Mortgage Broker Bond cost?
Jet pricing for a $50,000 New Hampshire Mortgage Broker Bond is $249 for one year, $25 monthly, $436 for two years, or $623 for three years.
What is the New Hampshire Mortgage Servicer Bond amount?
The New Hampshire Mortgage Servicer Bond minimum amount is $100,000. The commissioner may require a higher amount under conditions set by rule.
How much does a New Hampshire Mortgage Servicer Bond cost?
Jet pricing for a $100,000 New Hampshire Mortgage Servicer Bond is $499 for one year, $50 monthly, $873 for two years, or $1,248 for three years.
Does a New Hampshire mortgage loan originator need an individual bond?
New Hampshire requires a mortgage loan originator to be covered by the surety bond maintained by the mortgage banker, mortgage broker, or mortgage servicer that employs or retains the originator. Confirm the company sponsorship or retention relationship before purchasing separate coverage.
Can a New Hampshire mortgage banker act as a broker or servicer?
Yes. New Hampshire RSA 397-A provides that a person licensed as a mortgage banker may act as a mortgage broker or mortgage servicer without obtaining a separate license. The company should still confirm the license authority and bond requirement shown on its NMLS record.
Are New Hampshire mortgage bonds filed through NMLS?
New Hampshire mortgage banker, mortgage broker, mortgage servicer, and mortgage originator licensing is handled through NMLS. Follow the current New Hampshire NMLS checklist for exact bond form, filing, and electronic surety bond requirements.
Who should I contact for New Hampshire 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 New Hampshire mortgage license bond.
Get the New Hampshire Mortgage Bond Required for Your License
Start by choosing the New Hampshire bond that matches your license, company record, MLO coverage, mortgage banker authority, mortgage broker authority, mortgage servicer authority, or NMLS requirement. Jet will help with quoting, bond purchase, renewal support, and filing guidance when applicable.
New Hampshire mortgage bond pricing starts at $249 for one year for the $50,000 Mortgage Broker Bond and $499 for one year for the $100,000 Mortgage Banker or Mortgage Servicer Bond.
Call: (855) 516-3348
Email: [email protected]