Notary Bond Application:
X
Vermont mortgage and loan servicer surety bonds
Vermont Mortgage License Bonds
Vermont licensed lenders, mortgage brokers, mortgage loan originators, loan solicitation companies, loan servicers, sole proprietor mortgage brokers, and related mortgage businesses may need surety bond coverage for licensing with the Vermont Department of Financial Regulation. Jet Insurance Company helps Vermont mortgage and lending professionals quote, purchase, renew, replace, and manage the bond required for their Vermont license or NMLS filing.
Use this page to compare Vermont Licensed Lender, Mortgage Broker, Mortgage Loan Originator, Loan Solicitation, Loan Servicer, branch or office coverage, and Mortgage Broker, Lender and/or Servicer bond requirements, view Jet pricing, and get filing support for your Vermont mortgage license.
Need help? Call (855) 516-3348 or email [email protected].
Last updated: July 2026. Vermont mortgage and loan servicer bond requirements can change. Confirm the final license type, Vermont loan volume, bond amount, NMLS record, license office coverage, and Vermont Department of Financial Regulation checklist before filing.
Vermont Mortgage Bond Quick Answers
Which bonds are covered?
This page covers Vermont Licensed Lender Bonds, Mortgage Broker Bonds, Mortgage Loan Originator Bond Coverage, Loan Solicitation License Bonds, Loan Servicer Bonds, office coverage guidance, and Mortgage Broker, Lender and/or Servicer Bonds.
Who regulates these licenses?
The Vermont Department of Financial Regulation regulates Vermont licensed lenders, mortgage brokers, mortgage loan originators, loan solicitation licensees, and loan servicers.
What are the common limits?
Vermont licensed lender bonds range from $50,000 to $150,000, mortgage broker bonds range from $25,000 to $100,000, loan solicitation license bonds are at least $25,000, and loan servicer bonds are generally $100,000.
How do I get help?
Call (855) 516-3348 or email [email protected].
Choose Your Vermont Mortgage License Bond
The correct Vermont mortgage bond depends on whether the business is applying as a licensed lender, mortgage broker, loan solicitation licensee, loan servicer, or whether the bond is covering mortgage loan originators. Vermont bond amounts are driven by license type, Vermont loan volume, and whether the licensee operates more than one office under the same licensed activity.
Licensed Lender Bond
For Vermont licensed lenders that originate loans in Vermont under Title 8, Chapter 73.
Bond limits: $50,000, $100,000, or $150,000
Amount basis: Annual loans originated in Vermont
Starting price: $249 for one year or $25 monthly for the $50,000 bond.
Mortgage Broker Bond
For Vermont mortgage brokers, including companies or sole proprietors that broker, negotiate, place, assist in placing, find, or offer to find mortgage loans.
Bond limits: $25,000, $50,000, $75,000, or $100,000
Amount basis: Annual mortgage loans originated in Vermont
Starting price: $125 for one year or $13 monthly for the $25,000 bond.
Mortgage Loan Originator Bond Coverage
For Vermont mortgage loan originators who must be covered by a surety bond. If the MLO is an employee of a person subject to Chapter 73, the licensed lender or mortgage broker bond can be used in place of a separate MLO bond if it provides the required coverage.
Coverage: Individual or company-filed coverage
Common limits: Tied to the Vermont lender or mortgage broker bond schedule
Loan Solicitation License Bond
For Vermont loan solicitation licensees required to maintain a surety bond under Title 8, Chapter 73.
Minimum bond limit: $25,000
Amount note: The Commissioner may require another amount
Starting price: $125 for one year or $13 monthly for the $25,000 bond.
Loan Servicer Bond
For Vermont third party loan servicers that service residential mortgage loans owed or due another.
Bond limit: $100,000 unless the Commissioner requires another amount
Coverage: Loan servicing compliance under Title 8, Chapter 85
Starting price: $499 for one year or $50 monthly for the $100,000 bond.
Office Coverage and Branch Guidance
For Vermont licensees operating licensed activity at more than one office. Vermont law allows the Commissioner to accept one bond covering multiple offices for the same licensed activity.
Bond treatment: Single bond may be accepted for multiple offices
Important note: Confirm the current Vermont and NMLS checklist before adding offices or changing coverage.
Broker, Lender and/or Servicer Bond
For businesses whose Vermont or NMLS requirement references broader mortgage broker, licensed lender, mortgage loan originator, loan solicitation, loan servicer, or office coverage.
Common limits: $25,000, $50,000, $75,000, $100,000, or $150,000
Starting price: $125 for one year for a $25,000 bond or $249 for one year for a $50,000 bond.
Important: Vermont licensed lender bonds are based on annual Vermont loan originations and start at $50,000. Vermont mortgage broker bonds are based on annual Vermont mortgage loan originations and start at $25,000. Vermont loan servicer bonds are generally $100,000. MLOs must be covered by a surety bond, but employer coverage may satisfy the requirement when the MLO is covered by an eligible licensed lender or mortgage broker bond.
Vermont 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 Vermont Use | Monthly | 1 Year | 2 Years | 3 Years |
|---|---|---|---|---|---|
| $25,000 | Mortgage Broker lowest tier, Loan Solicitation License Bond, or MLO coverage | $13 | $125 | $219 | $313 |
| $50,000 | Licensed Lender lowest tier or Mortgage Broker second tier | $25 | $249 | $436 | $623 |
| $75,000 | Mortgage Broker higher volume tier | $38 | $375 | $656 | $938 |
| $100,000 | Licensed Lender middle tier, Mortgage Broker highest tier, or Loan Servicer Bond | $50 | $499 | $873 | $1,248 |
| $150,000 | Licensed Lender highest tier | $75 | $749 | $1,311 | $1,873 |
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, Vermont loan volume, office coverage, NMLS filing status, and Vermont Department of Financial Regulation requirements.
Get Vermont Mortgage Bond Pricing
Start a quote online and select the Vermont bond that matches your license or NMLS checklist. Jet can help confirm whether you need a Licensed Lender Bond, Mortgage Broker Bond, Mortgage Loan Originator coverage, Loan Solicitation License Bond, Loan Servicer Bond, office coverage help, or Mortgage Broker, Lender and/or Servicer Bond.
Questions? Call (855) 516-3348 or email [email protected].
Vermont Mortgage Bond Requirements
Vermont requires licensed lenders, mortgage brokers, mortgage loan originators, and loan solicitation licensees to maintain surety bond coverage under Title 8, Chapter 73. The bond must run to the State for the use of the State and any person who has a cause of action against the obligor under the chapter.
Vermont loan servicers are licensed under Title 8, Chapter 85. Before a loan servicer license is issued, the applicant must file a bond with the Commissioner and keep it in force for as long as the license remains active.
| Vermont License or Authority | Bond Amount | How the Requirement Works | Quote |
|---|---|---|---|
| Licensed Lender License | $50,000, $100,000, or $150,000 | Bond amount is based on annual loans originated in Vermont. The lowest tier applies to $0 to $1,000,000 in annual Vermont loan originations. | Get Quote |
| Mortgage Broker License | $25,000, $50,000, $75,000, or $100,000 | Bond amount is based on annual mortgage loans originated in Vermont. The lowest tier applies to $0 to $2,000,000 in annual Vermont mortgage loan originations. | Get Quote |
| Mortgage Loan Originator Coverage | Covered by a bond in accordance with Vermont bond law | Each MLO must be covered by a surety bond. If the MLO is an employee of a licensed lender or mortgage broker, that company bond can be used if it provides the required coverage. | Get Help |
| Loan Solicitation License | At least $25,000 or another amount required by the Commissioner | Loan solicitation licensees must maintain a surety bond under Chapter 73. | Get Quote |
| Loan Servicer License | $100,000 or another amount required by the Commissioner | Third party loan servicers must file and maintain a bond under Vermont Title 8, Chapter 85. | Get Quote |
| Multiple Offices or Branches | Confirm checklist; single bond may be accepted | When one person is issued licenses to conduct licensed activity at more than one office, the Commissioner may accept a single bond covering all offices. | Get Help |
| Mortgage Broker, Lender and/or Servicer | $25,000 to $150,000 depending on license type | Use the Vermont bond amount that matches the licensed lender, mortgage broker, loan solicitation, MLO, or loan servicer requirement. | Get Quote |
Filing note: Confirm the exact Vermont license type, legal name, NMLS ID, Vermont loan volume, bond amount, office coverage, effective date, and Department of Financial Regulation checklist before ordering or filing the bond.
Vermont Mortgage Bond Amounts
Vermont licensed lender and mortgage broker bonds use separate volume schedules. Loan solicitation licensees have a minimum $25,000 bond, and loan servicers generally file a $100,000 bond.
Licensed Lender Bond Amounts
| Annual Loans Originated in Vermont | Required Bond Amount | Jet Monthly Price | Jet 1-Year Price |
|---|---|---|---|
| $0 to $1,000,000 | $50,000 | $25 | $249 |
| $1,000,000.01 to $15,000,000 | $100,000 | $50 | $499 |
| $15,000,000.01 or more | $150,000 | $75 | $749 |
Mortgage Broker Bond Amounts
| Annual Mortgage Loans Originated in Vermont | Required Bond Amount | Jet Monthly Price | Jet 1-Year Price |
|---|---|---|---|
| $0 to $2,000,000 | $25,000 | $13 | $125 |
| $2,000,000.01 to $5,000,000 | $50,000 | $25 | $249 |
| $5,000,000.01 to $15,000,000 | $75,000 | $38 | $375 |
| $15,000,000.01 or more | $100,000 | $50 | $499 |
Other Vermont Mortgage and Servicing Bond Amounts
| Vermont Requirement | Required Bond Amount | Jet Monthly Price | Jet 1-Year Price |
|---|---|---|---|
| Loan Solicitation License Bond | At least $25,000 | $13 | $125 |
| Loan Servicer Bond | $100,000 | $50 | $499 |
| Mortgage Loan Originator Coverage | Covered under the applicable Vermont bond requirement | Varies | Varies |
Volume note: Vermont licensed lender bond amounts are based on loans originated in Vermont. Mortgage broker bond amounts are based on mortgage loans originated in Vermont. Confirm how Vermont wants new applicants or first-year licensees to select their initial bond amount before ordering.
Vermont Licensed Lender Bond
The Vermont Licensed Lender Bond applies to licensed lenders under Title 8, Chapter 73. The bond amount is based on the dollar amount of loans originated in Vermont and ranges from $50,000 to $150,000.
License Type
Vermont Licensed Lender License.
Bond Limits
$50,000, $100,000, or $150,000 based on Vermont loan volume.
Starting Price
$249 for one year or $25 monthly for the $50,000 bond.
Use this option when the Vermont or NMLS checklist references Licensed Lender License, lender bond, loans originated in Vermont, Vermont lender coverage, or Chapter 73 licensed lender bond.
Vermont Mortgage Broker Bond
The Vermont Mortgage Broker Bond applies to mortgage brokers licensed under Title 8, Chapter 73. The bond amount is based on the dollar amount of mortgage loans originated in Vermont and ranges from $25,000 to $100,000.
License Type
Vermont Mortgage Broker License or Mortgage Broker Sole Proprietor License.
Bond Limits
$25,000, $50,000, $75,000, or $100,000 based on Vermont mortgage loan volume.
Starting Price
$125 for one year or $13 monthly for the $25,000 bond.
Use this option when the Vermont or NMLS checklist references Mortgage Broker License, mortgage broker bond, mortgage broker sole proprietor, brokered mortgage loans, or Vermont broker coverage.
Vermont Mortgage Loan Originator Bond Coverage
Vermont requires each mortgage loan originator to be covered by a surety bond. If the MLO is an employee of a person subject to Chapter 73, the licensed lender or licensed mortgage broker bond can be used in place of the individual MLO’s separate bond requirement, provided the bond gives coverage for each MLO in the required amount.
License Type
Vermont Mortgage Loan Originator License.
Common Coverage
Company bond coverage through a licensed lender or mortgage broker when eligible.
Separate Coverage
Confirm the current Vermont and NMLS checklist if the MLO is not covered by an eligible company bond.
Use this option when the Vermont or NMLS checklist references MLO bond coverage, mortgage loan originator surety bond, company MLO coverage, or employee MLO bond coverage.
Vermont Loan Solicitation License Bond
The Vermont Loan Solicitation License Bond applies to loan solicitation licensees under Title 8, Chapter 73. Vermont law requires a loan solicitation licensee to maintain a surety bond of at least $25,000 or another amount required by the Commissioner.
License Type
Vermont Loan Solicitation License.
Bond Limit
At least $25,000 unless the Commissioner requires another amount.
Starting Price
$125 for one year or $13 monthly for the $25,000 bond.
Use this option when the Vermont or NMLS checklist references Loan Solicitation License, loan solicitation company, loan solicitor, or Chapter 73 loan solicitation bond.
Vermont Loan Servicer Bond
The Vermont Loan Servicer Bond applies to third party loan servicers licensed under Title 8, Chapter 85. Vermont defines servicing as receiving scheduled periodic payments from a borrower under a residential mortgage loan, including escrow amounts, and making payments to the owner of the loan or another required third party.
Before a loan servicer license is issued, the applicant must file a $100,000 bond with the Commissioner and keep the bond in force for as long as the license remains in effect, unless the Commissioner requires another amount.
License Type
Vermont Loan Servicer License.
Bond Limit
$100,000 or another amount required by the Commissioner.
Jet Pricing
$499 for one year, $50 monthly, $873 for two years, or $1,248 for three years.
Use this option when the Vermont or NMLS checklist references Loan Servicer License, third party loan servicer, residential mortgage loan servicing, mortgage servicer, or Chapter 85 servicer bond.
Vermont Office and Branch Bond Guidance
Vermont law allows the Commissioner to accept a single bond covering multiple offices when one person is issued licenses to conduct the licensed activity at more than one office. This can apply to licensed activity under Chapter 73 and Chapter 85, but the final filing treatment should be confirmed against the Vermont license and NMLS checklist.
Coverage Type
Multiple offices or licensed locations under the same licensed activity.
Bond Treatment
The Commissioner may accept one bond covering all offices.
Jet Help
Jet can help confirm whether the existing bond covers the office or if a rider, new bond, or amount change is needed.
Vermont Mortgage Broker, Lender and/or Servicer Bond
The Vermont Mortgage Broker, Lender and/or Servicer Bond option is for businesses whose Vermont or NMLS requirement references broader licensed lender, mortgage broker, mortgage loan originator, loan solicitation, loan servicer, office, or combined mortgage activity.
Authority Type
Vermont licensed lender, mortgage broker, MLO, loan solicitation, loan servicer, or office coverage.
Common Bond Limits
$25,000, $50,000, $75,000, $100,000, or $150,000.
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 Vermont or NMLS requirement references mortgage broker, licensed lender, lender, mortgage company, MLO coverage, loan solicitation, loan servicer, servicer, office coverage, or combined mortgage activity rather than a narrower bond title.
Vermont Mortgage Bond Comparison
Vermont mortgage and servicing bond requirements depend on whether the licensee is a licensed lender, mortgage broker, mortgage loan originator, loan solicitation licensee, or loan servicer.
| Requirement | Regulator | Bond Amount | Main Filing Point |
|---|---|---|---|
| Licensed Lender Bond | Vermont Department of Financial Regulation | $50,000, $100,000, or $150,000 | NMLS or Vermont license checklist |
| Mortgage Broker Bond | Vermont Department of Financial Regulation | $25,000, $50,000, $75,000, or $100,000 | NMLS or Vermont license checklist |
| Mortgage Loan Originator Coverage | Vermont Department of Financial Regulation | Covered by eligible company bond or separate bond coverage | NMLS MLO record and company sponsorship |
| Loan Solicitation License Bond | Vermont Department of Financial Regulation | At least $25,000 | NMLS or Vermont license checklist |
| Loan Servicer Bond | Vermont Department of Financial Regulation | $100,000 | NMLS or Vermont loan servicer license checklist |
| Office Coverage | Vermont Department of Financial Regulation | May be covered by one bond if accepted by the Commissioner | License office or branch record |
How Vermont Mortgage Bond Quotes Work
1
Confirm the Vermont License
Identify whether the checklist references Licensed Lender, Mortgage Broker, Mortgage Loan Originator, Loan Solicitation, Loan Servicer, office coverage, or combined mortgage authority.
2
Confirm the Bond Amount
Use the lender, broker, loan solicitation, MLO, or servicer bond amount that matches the license type and Vermont loan volume.
3
Buy and File
After purchase, Jet provides the bond or filing guidance based on the current Vermont Department of Financial Regulation and NMLS process.
Need a Vermont Mortgage License Bond?
Jet can help you choose the correct Vermont Licensed Lender Bond, Mortgage Broker Bond, MLO coverage, Loan Solicitation License Bond, Loan Servicer Bond, office coverage, or Mortgage Broker, Lender and/or Servicer Bond, review pricing, and get the bond issued for licensing.
Vermont mortgage bond pricing starts at $125 for one year for a $25,000 mortgage broker, loan solicitation, or MLO coverage bond, $249 for one year for a $50,000 licensed lender or broker bond, and $499 for one year for a $100,000 loan servicer bond.
Questions? Call (855) 516-3348 or email [email protected].
How Are Vermont Mortgage Bonds Filed?
Vermont mortgage and loan servicer bonds are filed according to the Vermont Department of Financial Regulation and NMLS checklist for the specific license. The bond should match the legal name, license type, bond amount, effective date, Vermont loan volume, NMLS ID, and office coverage shown on the filing requirements.
Vermont law requires bonds to remain in force for as long as the license remains in effect. A surety obligation on a Vermont mortgage or loan servicer bond cannot be terminated unless at least 60 days’ prior written notice is given to the obligor and the Commissioner.
NMLS Filing
Many Vermont mortgage filings use NMLS, but the bond form and filing process should be confirmed against the current Vermont checklist.
MLO Coverage
Confirm whether an MLO is covered by an eligible licensed lender or mortgage broker bond before purchasing separate coverage.
Bond Changes
Contact Jet before changing the legal name, DBA, NMLS ID, license type, bond amount, Vermont loan volume, office coverage, or MLO sponsorship.
Vermont Mortgage Bond Renewals, Changes, and Cancellations
Renewing Your Bond
Review the bond before renewal to confirm the legal name, NMLS ID, license type, Vermont loan volume, office coverage, MLO coverage, and required bond amount. Vermont lender and broker bond amounts may change when annual loan volume changes.
Changing the Bond
A bond rider or replacement bond may be needed if the legal name, DBA, NMLS record, license type, office coverage, MLO sponsorship, loan volume, or bond amount changes.
Cancelling or Replacing Your Bond
Do not cancel a required Vermont mortgage or loan servicer bond until replacement coverage is accepted or the Department confirms the license no longer requires coverage. Vermont requires at least 60 days’ notice before surety termination.
What Does a Vermont Mortgage License Bond Cover?
A Vermont mortgage license bond runs to the State for the use of the State and any person who has a cause of action against the bonded licensee under the applicable Vermont chapter. The bond is conditioned on the licensee faithfully conforming to Vermont law and rules and paying amounts due or owing to the State or other persons under the law.
A Vermont loan servicer bond supports compliance with Vermont loan servicing law and is also for the use of the State and any person who may have a cause of action under Chapter 85.
The bond is not insurance for the bonded licensed lender, mortgage broker, MLO, loan solicitation licensee, or loan servicer. 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 Vermont Mortgage Bond Claims
- Maintain continuous bond coverage for the correct Vermont licensed lender, mortgage broker, MLO, loan solicitation, loan servicer, or office coverage requirement.
- Match the bond to the exact legal name, DBA, NMLS ID, license type, required bond amount, effective date, and office coverage.
- Use the correct Vermont loan volume to determine the licensed lender bond amount.
- Use the correct Vermont mortgage loan volume to determine the mortgage broker bond amount.
- Confirm whether each MLO is covered by an eligible licensed lender or mortgage broker bond before purchasing separate MLO coverage.
- Confirm whether one bond covers multiple offices or whether the Department requires separate coverage or a rider.
- Do not act as a Vermont licensed lender, mortgage broker, MLO, loan solicitation licensee, or loan servicer without the correct license and bond coverage.
- Do not advertise, negotiate, place, find, solicit, originate, lend, or service loans in a false, misleading, or deceptive way.
- Maintain required loan files, broker contracts, disclosures, servicing records, segregated account records, complaint records, and NMLS filings.
- For loan servicers, maintain complete and accurate account records and keep borrower funds segregated as required.
- Submit renewals, bond riders, license amendments, office changes, sponsorship changes, and NMLS updates on time.
- Contact Jet before cancelling, replacing, or changing the bond.
Want to Know More About Mortgage Bond Processes?
Popular Mortgage License Bond Guides
Vermont Mortgage License Bond FAQ
What Vermont mortgage bonds are covered on this page?
This page covers Vermont Licensed Lender Bonds, Mortgage Broker Bonds, Mortgage Loan Originator bond coverage, Loan Solicitation License Bonds, Loan Servicer Bonds, office coverage guidance, and Mortgage Broker, Lender and/or Servicer Bonds.
What is the Vermont Licensed Lender Bond amount?
The Vermont Licensed Lender Bond amount is $50,000, $100,000, or $150,000 based on annual loans originated in Vermont.
How much does a Vermont Licensed Lender Bond cost?
Jet pricing starts at $249 for one year or $25 monthly for the $50,000 Vermont Licensed Lender Bond.
What is the Vermont Mortgage Broker Bond amount?
The Vermont Mortgage Broker Bond amount is $25,000, $50,000, $75,000, or $100,000 based on annual mortgage loans originated in Vermont.
How much does a Vermont Mortgage Broker Bond cost?
Jet pricing starts at $125 for one year or $13 monthly for the $25,000 Vermont Mortgage Broker Bond.
Does a Vermont mortgage loan originator need a separate bond?
Not always. Each Vermont MLO must be covered by a surety bond, but if the MLO is an employee of a licensed lender or mortgage broker, that company bond can be used in place of a separate MLO bond if it provides the required coverage.
What is the Vermont Loan Solicitation License Bond amount?
The Vermont Loan Solicitation License Bond amount is at least $25,000, or another amount required by the Commissioner.
What is the Vermont Loan Servicer Bond amount?
The Vermont Loan Servicer Bond amount is $100,000, or another amount required by the Commissioner.
Can one Vermont mortgage bond cover multiple offices?
Yes, the Commissioner may accept one bond covering all offices when one person is issued licenses to conduct the licensed activity at more than one office. Confirm the current Vermont checklist before relying on a single bond.
Who regulates Vermont mortgage license bonds?
The Vermont Department of Financial Regulation regulates Vermont licensed lenders, mortgage brokers, mortgage loan originators, loan solicitation licensees, and loan servicers.
Who should I contact for Vermont 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 Vermont mortgage or loan servicer bond.
Get the Vermont Mortgage Bond Required for Your License
Start by choosing the Vermont bond that matches your license, company record, MLO coverage, Vermont loan volume, mortgage broker authority, licensed lender authority, loan solicitation activity, loan servicer activity, office coverage, or NMLS checklist. Jet will help with quoting, bond purchase, renewal support, and filing guidance when applicable.
Vermont mortgage bond pricing starts at $125 for one year for a $25,000 mortgage broker, loan solicitation, or MLO coverage bond, $249 for one year for a $50,000 licensed lender or broker bond, and $499 for one year for a $100,000 loan servicer bond.
Call: (855) 516-3348
Email: [email protected]