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Texas mortgage and lending surety bonds
Texas Mortgage License Bonds
Texas residential mortgage loan companies, residential mortgage loan servicers, registered financial services companies, residential mortgage loan originators, mortgage bankers, regulated lenders, and related lending businesses may need surety bond coverage for licensing, registration, financial responsibility, or NMLS filing. Jet Insurance Company helps Texas mortgage and lending professionals quote, purchase, renew, replace, and manage the bond required for their Texas license or registration.
Use this page to compare Texas Residential Mortgage Loan Company, Residential Mortgage Loan Servicer, Financial Services Company Registration, Mortgage Banker Registration, Residential Mortgage Loan Originator coverage, Regulated Lender, and Mortgage Broker, Lender and/or Servicer bond requirements, view Jet pricing, and get filing support for your Texas mortgage or lending license.
Need help? Call (855) 516-3348 or email [email protected].
Last updated: July 2026. Texas mortgage and lending bond requirements can change. Confirm the final license or registration type, regulator, bond amount, net assets election, servicing volume, NMLS record, and Texas SML or Texas OCCC checklist before filing.
Texas Mortgage Bond Quick Answers
Which bonds are covered?
This page covers Texas Residential Mortgage Loan Company Bonds, Residential Mortgage Loan Servicer Bonds, Financial Services Company Registration Bonds, Residential Mortgage Loan Originator Bond Coverage, Mortgage Banker Registration guidance, Regulated Lender Bonds, and Mortgage Broker, Lender and/or Servicer Bonds.
Who regulates these licenses?
The Texas Department of Savings and Mortgage Lending regulates Texas mortgage origination and servicing. The Texas Office of Consumer Credit Commissioner regulates Regulated Lenders and certain RMLO activity tied to Chapter 342 and other OCCC license types.
What are the common limits?
Common Texas bond amounts include $25,000 or $50,000 for mortgage servicers, $50,000 for the mortgage company net-assets bond alternative, $1,000,000 for certain financial services company/exclusive-agent coverage, and up to $50,000 plus $10,000 per additional license for certain OCCC Regulated Lenders.
How do I get help?
Call (855) 516-3348 or email [email protected].
Choose Your Texas Mortgage License Bond
The correct Texas bond depends on whether the business is a residential mortgage loan company, residential mortgage loan servicer, registered financial services company, mortgage banker, regulated lender, or another entity with RMLO coverage requirements. Texas SML and Texas OCCC both use NMLS for relevant mortgage or lending filings, and the bond should match the license type, legal name, NMLS ID, regulator, required amount, and current checklist.
Residential Mortgage Loan Company Bond
For Texas residential mortgage loan companies that choose to use a surety bond to satisfy the financial responsibility option instead of maintaining the required net assets.
Common bond limit: $50,000
Requirement type: Bond alternative to the $25,000 net assets requirement
Starting price: $249 for one year or $25 monthly for the $50,000 bond.
Residential Mortgage Loan Servicer Bond
For Texas residential mortgage loan servicers registered with Texas SML to service residential mortgage loans secured by residential real estate in Texas.
Bond limits: $25,000 or $50,000
Amount basis: Texas servicing activity and the applicable Chapter 58/NMLS requirement
Starting price: $125 for one year or $13 monthly for the $25,000 bond.
Financial Services Company Registration Bond
For certain Texas financial services company registrations or exclusive-agent RMLO coverage situations where Texas law requires a larger bond to satisfy financial responsibility for covered originators.
Common bond limit: $1,000,000
Coverage type: Exclusive-agent RMLO financial responsibility coverage
Starting price: $4,999 for one year or $500 monthly for the $1,000,000 bond.
Mortgage Banker Registration Bond Guidance
For Texas mortgage banker registrations and RMLOs sponsored by Texas mortgage bankers.
Bond requirement: Confirm the current Texas SML and NMLS checklist
Common note: Texas mortgage banker registration is typically treated differently than Texas residential mortgage loan company licensing, and a separate surety bond may not be listed for the banker registration itself.
Residential Mortgage Loan Originator Bond Coverage
For Texas residential mortgage loan originators licensed or sponsored through Texas SML or Texas OCCC, depending on the activity and employer.
Common coverage: Recovery fund participation, company coverage, or sponsor financial responsibility may apply depending on the license type.
Separate bond: Confirm the current Texas SML or Texas OCCC NMLS checklist if separate bond coverage is requested.
Regulated Lender Bond
For Texas OCCC Regulated Lenders, including nondepository lenders making, transacting, or collecting certain consumer loans, and regulated lenders whose originators may need RMLO licensing when originating secondary mortgage loans.
Possible bond amount: Up to $50,000 for the first license plus $10,000 for each additional license if required by the commissioner
Regulator: Texas Office of Consumer Credit Commissioner
Starting price: $249 for one year or $25 monthly for a $50,000 bond.
Broker, Lender and/or Servicer Bond
For businesses whose Texas or NMLS requirement references broader mortgage broker, residential mortgage loan company, lender, servicer, RMLO, financial services company, mortgage banker, or regulated lender coverage.
Common limits: $25,000, $50,000, or $1,000,000 depending on license type and coverage
Starting price: $125 for one year for a $25,000 bond or $249 for one year for a $50,000 bond.
Important: Texas mortgage bond requirements vary by regulator and license type. Texas residential mortgage loan company bonds can be used as a $50,000 alternative to the net assets requirement, Texas residential mortgage loan servicer bonds are generally $25,000 or $50,000 and must be filed electronically through NMLS, certain financial services company/exclusive-agent coverage may require $1,000,000, and Texas OCCC Regulated Lender bonds may be required up to $50,000 for the first license plus $10,000 for each additional license.
Texas 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 Texas Use | Monthly | 1 Year | 2 Years | 3 Years |
|---|---|---|---|---|---|
| $10,000 | Additional Regulated Lender license increment when required | $8 | $79 | $138 | $198 |
| $25,000 | Residential Mortgage Loan Servicer Bond lower tier | $13 | $125 | $219 | $313 |
| $50,000 | Residential Mortgage Loan Company bond alternative, Servicer Bond higher tier, or Regulated Lender first-license amount when required | $25 | $249 | $436 | $623 |
| $60,000 | Regulated Lender first license plus one additional license when required | $30 | $299 | $523 | $748 |
| $1,000,000 | Financial Services Company Registration or exclusive-agent RMLO coverage when required | $500 | $4,999 | $8,748 | $12,498 |
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, net assets election, servicing volume, additional license count, NMLS filing status, Texas SML requirements, and Texas OCCC requirements.
Get Texas Mortgage Bond Pricing
Start a quote online and select the Texas bond that matches your license or NMLS checklist. Jet can help confirm whether you need a Residential Mortgage Loan Company Bond, Residential Mortgage Loan Servicer Bond, Financial Services Company Registration Bond, RMLO coverage, Mortgage Banker Registration bond guidance, Regulated Lender Bond, or Mortgage Broker, Lender and/or Servicer Bond.
Questions? Call (855) 516-3348 or email [email protected].
Texas Mortgage Bond Requirements
Texas SML regulates residential mortgage loan companies, mortgage bankers, residential mortgage loan originators, and residential mortgage loan servicers. Texas SML requires residential mortgage loan servicers to maintain an electronic surety bond through NMLS. Texas OCCC regulates Regulated Lenders and certain RMLO activity for entities that originate secondary mortgage loans or other covered residential transactions.
Texas mortgage company financial responsibility can involve recovery fund participation, net assets, or a surety bond election depending on the license and entity type. Residential mortgage loan servicers use a separate servicer bond requirement. Texas OCCC Regulated Lender bonds are required if the commissioner requires them and may be based on the number of licenses.
| Texas License or Authority | Bond Amount | How the Requirement Works | Quote |
|---|---|---|---|
| Residential Mortgage Loan Company | $50,000 when using the bond alternative | Texas mortgage companies may use a $50,000 bond in lieu of maintaining at least $25,000 in net assets. | Get Quote |
| Residential Mortgage Loan Servicer | $25,000 or $50,000 | Texas residential mortgage loan servicers must maintain a surety bond filed electronically through NMLS. The amount depends on servicing activity and the current Chapter 58/NMLS requirement. | Get Quote |
| Financial Services Company Registration | Commonly $1,000,000 when exclusive-agent RMLO coverage applies | Texas law provides that an exclusive agent of a financial services company meets RMLO financial requirements by obtaining $1,000,000 in surety bond coverage. | Get Quote |
| Mortgage Banker Registration | Confirm current Texas SML/NMLS checklist | Texas mortgage bankers are registered with Texas SML. A separate surety bond may not be listed for the banker registration itself, but RMLO sponsorship and financial responsibility should be confirmed. | Get Help |
| Residential Mortgage Loan Originator | Coverage depends on employer, sponsor, recovery fund, and regulator | Texas RMLOs may be licensed through Texas SML or Texas OCCC depending on the employer and loan activity. Confirm whether recovery fund participation, company coverage, or separate bond coverage applies. | Get Help |
| Regulated Lender License | Up to $50,000 first license plus $10,000 each additional license when required | Texas OCCC may require a Chapter 342 Regulated Lender bond. The bond cannot exceed $50,000 for the first license plus $10,000 for each additional license. | Get Quote |
| Mortgage Broker, Lender and/or Servicer | $25,000, $50,000, $1,000,000, or OCCC amount depending on license type | Use the Texas SML or OCCC requirement that matches the company license, registration, RMLO coverage, servicer registration, or regulated lender filing. | Get Quote |
Filing note: Texas mortgage and lending filings may involve Texas SML, Texas OCCC, NMLS, or a combination depending on the license type. Confirm the exact bond title, legal name, NMLS ID, regulator, amount, effective date, net assets election, and filing method before ordering.
Texas Mortgage Bond Amounts
Texas does not use one single mortgage bond schedule for every license. The required bond amount depends on whether the filing is a residential mortgage loan company bond alternative, residential mortgage loan servicer bond, financial services company RMLO coverage, or OCCC Regulated Lender bond.
Texas SML Mortgage and Servicer Bond Amounts
| Texas Requirement | Required Bond Amount | Jet Monthly Price | Jet 1-Year Price |
|---|---|---|---|
| Residential Mortgage Loan Servicer Bond lower tier | $25,000 | $13 | $125 |
| Residential Mortgage Loan Company Bond alternative to net assets | $50,000 | $25 | $249 |
| Residential Mortgage Loan Servicer Bond higher tier | $50,000 | $25 | $249 |
| Financial Services Company Registration or exclusive-agent RMLO coverage | $1,000,000 | $500 | $4,999 |
Texas OCCC Regulated Lender Bond Amounts
| Texas OCCC Requirement | Potential Bond Amount | Jet Monthly Price | Jet 1-Year Price |
|---|---|---|---|
| Regulated Lender first license, if bond is required | Up to $50,000 | $25 | $249 |
| Each additional Regulated Lender license, if required | Add up to $10,000 | $8 for each $10,000 increment | $79 for each $10,000 increment |
| Regulated Lender with one additional license example | $60,000 | $30 | $299 |
Amount note: Texas residential mortgage loan servicer bond amounts should be verified against the current Chapter 58/NMLS requirement. Texas Regulated Lender bond amounts are conditional because Chapter 342 states the applicant files a bond if the commissioner requires one.
Texas Residential Mortgage Loan Company Bond
The Texas Residential Mortgage Loan Company Bond is used by a residential mortgage loan company that elects to provide a surety bond instead of maintaining the required minimum net assets. The bond alternative is commonly $50,000 and should match the Texas SML license record and NMLS checklist.
License Type
Texas Residential Mortgage Loan Company License.
Common Bond Limit
$50,000 when used as the financial responsibility bond alternative.
Jet Pricing
$249 for one year, $25 monthly, $436 for two years, or $623 for three years.
Use this option when the Texas or NMLS checklist references Residential Mortgage Loan Company, mortgage company bond, mortgage broker bond, net assets alternative, or Texas Finance Code Chapter 156 financial responsibility coverage.
Texas Residential Mortgage Loan Servicer Bond
The Texas Residential Mortgage Loan Servicer Bond applies to residential mortgage loan servicers registered with Texas SML. A residential mortgage loan servicer generally receives scheduled payments from borrowers under residential mortgage loan terms and makes payments to the owner of the loan or other third party as required by the servicing contract.
Effective January 1, 2026, Texas SML requires residential mortgage loan servicers to obtain and maintain an electronic surety bond through NMLS. Servicer bonds are generally $25,000 or $50,000, depending on the current rule, servicing activity, and NMLS checklist.
Registration Type
Texas Residential Mortgage Loan Servicer Registration.
Bond Limits
$25,000 or $50,000 depending on servicing activity and current NMLS requirement.
Starting Price
$125 for one year for the $25,000 bond or $249 for one year for the $50,000 bond.
Use this option when the Texas or NMLS checklist references Residential Mortgage Loan Servicer Registration, servicer bond, mortgage servicing, Chapter 158, or 7 TAC §58.107.
Texas Financial Services Company Registration Bond
The Texas Financial Services Company Registration Bond may apply in certain mortgage origination situations involving exclusive-agent RMLO coverage. Texas law states that an exclusive agent of a financial services company meets the agent’s financial requirements for holding a residential mortgage loan originator license by obtaining surety bond coverage in the amount of $1,000,000.
Registration Type
Texas Financial Services Company Registration or exclusive-agent RMLO coverage.
Common Bond Limit
$1,000,000.
Jet Pricing
$4,999 for one year, $500 monthly, $8,748 for two years, or $12,498 for three years.
Use this option when the Texas or NMLS checklist references Financial Services Company Registration, exclusive agent, RMLO financial responsibility, or $1,000,000 mortgage bond coverage.
Texas Mortgage Banker Registration Bond Guidance
Texas mortgage bankers are registered with Texas SML. Mortgage banker registration is separate from residential mortgage loan company licensing, and the bond requirement may differ from the mortgage company bond alternative or servicer bond requirement.
Before ordering a bond for a Texas Mortgage Banker Registration, confirm the current NMLS checklist, sponsorship relationships, RMLO coverage, and whether the filing requires no separate surety bond, a specific company bond, or another financial responsibility item.
Registration Type
Texas Mortgage Banker Registration.
Bond Requirement
Confirm the current Texas SML and NMLS checklist before ordering.
Jet Help
Jet can review the requested bond title, registration type, NMLS record, and sponsor coverage before issuance.
Texas Residential Mortgage Loan Originator Bond Coverage
Texas residential mortgage loan originators may be licensed or sponsored through Texas SML or Texas OCCC depending on the employer and loan activity. Texas SML regulates RMLOs sponsored by residential mortgage loan companies and mortgage bankers. Texas OCCC regulates RMLO licensing tied to certain OCCC-regulated entities, including Regulated Lenders that originate secondary mortgage loans.
RMLO financial responsibility can depend on recovery fund participation, employer/sponsor coverage, financial services company coverage, or a specific bond requirement shown on the current NMLS checklist. Confirm the regulator before purchasing separate RMLO coverage.
License Type
Texas Residential Mortgage Loan Originator License.
Regulator
Texas SML or Texas OCCC depending on sponsor and activity.
Coverage
Confirm recovery fund, sponsor, company bond, or separate bond treatment on the current checklist.
Texas Regulated Lender Bond
The Texas Regulated Lender Bond applies to Texas OCCC Regulated Lenders when the commissioner requires a bond. Texas Regulated Lenders include nondepository lenders that make, transact, or collect certain regulated consumer loans at interest rates greater than 10%. If the Regulated Lender originates secondary mortgage loans, its originators may also need RMLO licensing through Texas OCCC.
Texas Finance Code Chapter 342 allows the commissioner to require a bond not exceeding $50,000 for the first license plus $10,000 for each additional license. The final amount should be confirmed against the Texas OCCC or NMLS checklist.
License Type
Texas OCCC Regulated Lender License.
Possible Bond Amount
Up to $50,000 for the first license plus $10,000 for each additional license if required.
Starting Price
$249 for one year for a $50,000 bond. Additional $10,000 increments start at $79 per year.
Use this option when the Texas or NMLS checklist references Regulated Lender License, Chapter 342, secondary mortgage loans, consumer loans, or Texas OCCC RMLO-related regulated lender activity.
Texas Mortgage Broker, Lender and/or Servicer Bond
The Texas Mortgage Broker, Lender and/or Servicer Bond option is for businesses whose Texas SML, Texas OCCC, or NMLS requirement references broader mortgage authority, including residential mortgage loan company, mortgage company, mortgage broker, mortgage banker, residential mortgage loan servicer, RMLO, financial services company, or regulated lender coverage.
Authority Type
Texas mortgage company, servicer, mortgage banker, RMLO, financial services company, or regulated lender authority.
Common Bond Limits
$25,000, $50,000, $1,000,000, or OCCC amount depending on license type.
Starting Price
$125 for one year for a $25,000 bond or $249 for one year for a $50,000 bond.
Use this option when the Texas or NMLS requirement references mortgage broker, mortgage lender, mortgage company, mortgage banker, servicer, RMLO coverage, financial services company, regulated lender, or combined mortgage activity rather than a narrower bond title.
Texas Mortgage Bond Comparison
Texas mortgage and lending bond requirements depend on the regulator, license type, financial responsibility election, servicing activity, RMLO sponsor relationship, and whether the company is filing through Texas SML or Texas OCCC.
| Requirement | Regulator | Bond Amount | Main Filing Point |
|---|---|---|---|
| Residential Mortgage Loan Company Bond | Texas SML | $50,000 when used in lieu of net assets | NMLS company license record or state checklist |
| Residential Mortgage Loan Servicer Bond | Texas SML | $25,000 or $50,000 | NMLS ESB filing |
| Financial Services Company Registration Bond | Texas SML | Commonly $1,000,000 for exclusive-agent RMLO coverage | NMLS company registration record |
| Mortgage Banker Registration | Texas SML | Confirm current checklist | NMLS registration record |
| Residential Mortgage Loan Originator Coverage | Texas SML or Texas OCCC | Depends on sponsor, recovery fund, company coverage, or checklist | NMLS MLO license and sponsorship record |
| Regulated Lender Bond | Texas OCCC | Up to $50,000 first license plus $10,000 each additional license if required | NMLS or OCCC license record |
How Texas Mortgage Bond Quotes Work
1
Confirm the Texas License
Identify whether the checklist references Residential Mortgage Loan Company, Residential Mortgage Loan Servicer, Financial Services Company Registration, Mortgage Banker Registration, RMLO, Regulated Lender, or another Texas mortgage or lending requirement.
2
Confirm the Bond Amount
Use $25,000 or $50,000 for servicer bonds, $50,000 for the mortgage company bond alternative, $1,000,000 for certain financial services company/exclusive-agent coverage, or the OCCC amount for Regulated Lenders when required.
3
Buy and File
After purchase, Jet provides the bond or filing guidance based on the current Texas SML, Texas OCCC, and NMLS process.
Need a Texas Mortgage License Bond?
Jet can help you choose the correct Texas Residential Mortgage Loan Company Bond, Residential Mortgage Loan Servicer Bond, Financial Services Company Registration Bond, RMLO coverage, Mortgage Banker Registration bond guidance, Regulated Lender Bond, or Mortgage Broker, Lender and/or Servicer Bond, review pricing, and get the bond issued for licensing.
Texas mortgage bond pricing starts at $125 for one year for a $25,000 Residential Mortgage Loan Servicer Bond, $249 for one year for a $50,000 Residential Mortgage Loan Company or Servicer Bond, and $4,999 for one year for a $1,000,000 Financial Services Company Registration Bond.
Questions? Call (855) 516-3348 or email [email protected].
How Are Texas Mortgage Bonds Filed?
Texas mortgage and lending bonds may be filed through NMLS, including NMLS Electronic Surety Bond filing, or according to the Texas SML or Texas OCCC checklist. Texas SML requires residential mortgage loan servicer bonds to be filed electronically through NMLS starting January 1, 2026.
The bond should match the legal name, regulator, NMLS ID, license or registration type, bond amount, effective date, net assets election, RMLO sponsorship, servicing volume, and any additional license count shown on the Texas checklist.
NMLS Filing
Texas residential mortgage loan servicer bonds must be filed electronically through NMLS. Other Texas mortgage filings should be checked against the current NMLS and regulator checklist.
Regulator Match
Confirm whether the filing is under Texas SML or Texas OCCC before ordering the bond.
Bond Changes
Contact Jet before changing the legal name, DBA, NMLS ID, regulator, license type, bond amount, servicing volume, additional license count, or RMLO sponsorship.
Texas Mortgage Bond Renewals, Changes, and Cancellations
Renewing Your Bond
Review the bond before renewal to confirm the legal name, NMLS ID, regulator, license type, net assets election, servicing activity, bond amount, and RMLO coverage remain correct.
Changing the Bond
A bond change may be required if the company changes its legal name, DBA, NMLS ID, regulator, license type, bond election, servicing volume, RMLO sponsorship, or number of OCCC licenses.
Cancelling or Replacing Your Bond
Do not cancel a required Texas mortgage or lending bond until replacement coverage is accepted or the regulator confirms the license or registration no longer requires coverage.
What Does a Texas Mortgage License Bond Cover?
A Texas mortgage or lending bond supports compliance with the Texas mortgage or lending law tied to the license or registration. Servicer bonds support Texas residential mortgage loan servicing compliance. Residential mortgage loan company bonds can be used as a financial responsibility alternative. Financial services company bonds support covered RMLO financial responsibility. Regulated Lender bonds support compliance with OCCC Chapter 342 requirements when required by the commissioner.
The bond is not insurance for the bonded mortgage company, mortgage banker, servicer, financial services company, regulated lender, or RMLO. 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 Texas Mortgage Bond Claims
- Maintain continuous bond coverage for the correct Texas residential mortgage loan company, servicer, financial services company, RMLO, mortgage banker, or regulated lender requirement.
- Match the bond to the exact legal name, DBA, NMLS ID, regulator, license type, required bond amount, and effective date.
- Confirm whether the Texas mortgage company is using net assets, recovery fund participation, or a surety bond alternative.
- Confirm whether a Texas residential mortgage loan servicer bond must be filed electronically through NMLS.
- Confirm whether RMLOs are covered by recovery fund participation, sponsor/company coverage, financial services company coverage, or another checklist requirement.
- Confirm whether the company is regulated by Texas SML or Texas OCCC before ordering the bond.
- For Regulated Lenders, confirm whether OCCC requires a bond and how many licenses or additional locations are included.
- Do not conduct Texas mortgage origination, mortgage servicing, RMLO, regulated lender, or secondary mortgage loan activity without the correct license, registration, sponsorship, and bond coverage.
- Do not advertise or represent loan terms in a false, misleading, or deceptive way.
- Maintain required loan files, servicing records, consumer disclosures, complaint records, mortgage call reports, annual reports, condition reports, and NMLS filings.
- Submit renewals, bond riders, license amendments, registration updates, and NMLS changes on time.
- Contact Jet before cancelling, replacing, or changing the bond.
Want to Know More About Mortgage Bond Processes?
Popular Mortgage License Bond Guides
Texas Mortgage License Bond FAQ
What Texas mortgage bonds are covered on this page?
This page covers Texas Residential Mortgage Loan Company Bonds, Residential Mortgage Loan Servicer Bonds, Financial Services Company Registration Bonds, Residential Mortgage Loan Originator bond coverage, Mortgage Banker Registration bond guidance, Regulated Lender Bonds, and Mortgage Broker, Lender and/or Servicer Bonds.
What is the Texas Residential Mortgage Loan Company Bond amount?
The Texas Residential Mortgage Loan Company Bond amount is commonly $50,000 when used as a surety bond alternative to the $25,000 net assets requirement.
How much does a Texas Residential Mortgage Loan Company Bond cost?
Jet pricing for a $50,000 Texas Residential Mortgage Loan Company Bond is $249 for one year, $25 monthly, $436 for two years, or $623 for three years.
What is the Texas Residential Mortgage Loan Servicer Bond amount?
The Texas Residential Mortgage Loan Servicer Bond amount is generally $25,000 or $50,000 depending on servicing activity and the current Texas SML/NMLS requirement.
How much does a Texas Residential Mortgage Loan Servicer Bond cost?
Jet pricing for a $25,000 Texas Residential Mortgage Loan Servicer 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.
Does Texas require servicer bonds to be filed electronically?
Yes. Texas SML requires residential mortgage loan servicer registrants to file and maintain the surety bond electronically through NMLS beginning January 1, 2026.
What is the Texas Financial Services Company Registration Bond amount?
Certain Texas financial services company and exclusive-agent RMLO coverage situations require $1,000,000 in surety bond coverage. Confirm the current Texas SML and NMLS checklist before ordering.
Does a Texas Mortgage Banker Registration require a bond?
Confirm the current Texas SML/NMLS checklist. Texas mortgage banker registration is handled differently from residential mortgage loan company licensing, and a separate surety bond may not be listed for the banker registration itself.
Does a Texas RMLO need a separate bond?
Not always. Texas RMLO financial responsibility depends on the regulator, sponsor, recovery fund participation, company coverage, and NMLS checklist. Confirm whether the RMLO is under Texas SML or Texas OCCC before ordering separate bond coverage.
What is the Texas Regulated Lender Bond amount?
If the Texas OCCC commissioner requires a Chapter 342 Regulated Lender bond, the amount cannot exceed $50,000 for the first license plus $10,000 for each additional license.
Who regulates Texas mortgage license bonds?
Texas SML regulates Texas residential mortgage loan companies, mortgage bankers, RMLOs, and residential mortgage loan servicers. Texas OCCC regulates Regulated Lenders and certain RMLO activity tied to OCCC-regulated lending.
Who should I contact for Texas 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 Texas mortgage or lending bond.
Get the Texas Mortgage Bond Required for Your License
Start by choosing the Texas bond that matches your license, registration, regulator, company record, net assets election, servicing activity, RMLO coverage, financial services company status, mortgage banker registration, regulated lender license, additional license count, or NMLS checklist. Jet will help with quoting, bond purchase, renewal support, and filing guidance when applicable.
Texas mortgage bond pricing starts at $125 for one year for a $25,000 Residential Mortgage Loan Servicer Bond, $249 for one year for a $50,000 Residential Mortgage Loan Company or Servicer Bond, and $4,999 for one year for a $1,000,000 Financial Services Company Registration Bond.
Call: (855) 516-3348
Email: [email protected]