Skip to content

NMLS Surety Bonds (ESB)

Mortgage Loan Originator

Mortgage loan originator (MLO) bonds are individual ESBs required of independent MLOs in states that require coverage at the individual licensee level.

Who needs this bond

Independent MLOs not covered by a sponsoring company's bond. Required in a subset of states; check state-by-state requirements before filing.

Typical amount and term

Bond amount commonly 25,000 to 75,000 dollars. Premium typically 100 to 500 dollars per year per state.

What you will need

  • MLO NMLS Unique Identifier
  • State of license
  • Personal credit authorization

How to apply

  1. Submit MLO NMLS ID and state
  2. Receive an instant quote in most states
  3. ESB signed in NMLS by the surety