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Indiana Mortgage Lending License Bond

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How Much Do Indiana Mortgage Lending License Bonds Cost?

$100,000 Indiana mortgage lending license surety bond premiums start at $1,000. However, you can save 25% by selecting a multi-year bond term. Exact pricing will depend on your credit score. Most qualified applicants can expect to pay a rate of 1–2% of the total bond amount.

Apply below for an exact quote:

Bond Type
$100,000Mortgage Lending Bond
$100,000Subordinate Lien Mortgage Lending License Bond

If you operate in multiple states, we offer mortgage industry license bonds nationwide

What Is an Indiana Mortgage Lending License Bond?

Indiana mortgage lending license bonds are required for mortgage companies engaged in the following activities: 

  • First lien mortgage lending
  • Subordinate lien mortgage lending 

Filing a surety bond is one of the licensing prerequisites under Indiana Code § 24-4.4. By filing these bonds, the lending company pledges to transact business according to state laws. If the principal violates this code, the bond protects the state and consumers from financial loss.

Individual mortgage brokers need to file a separate surety bond. Visit our Indiana mortgage broker bond page to learn more. 

How Do I Get an Indiana Mortgage Lender License Bond?

With, you can get your Indiana mortgage lender license bond in just three easy steps: 

  1. Apply for your surety bond online
  2. Receive a free quote within one business day
  3. Checkout on our secure, online portal 

That’s it! We’ll file your official bond directly with the NMLS and provide an email copy for your records. Apply today to have your official bond in one business day or less. 

How Do Mortgage Lender License Bonds Work?

If the principal violates the bond terms and a consumer is harmed, the surety will pay for all damages up to the full bond amount. The principal is then responsible for reimbursing the surety.

To cancel the bond, the principal or surety must send 30-day’s written notice to the administrator of the Indiana Department of Financial Institutions (IN-DFI). The bond can also be terminated if the administrator mails written authorization to the surety.

How to Become a Mortgage Lender in Indiana

Mortgage lending companies in Indiana must be licensed with the IN-DFI. All applicants must apply online through the NMLS. Use the NMLS IN-DFI Mortgage Lending License New Application Checklist to compile all the materials you need to submit with your application. 

Take the first step by applying for your surety bond today!

More Resources

Call 1 (800) 308-4358 to talk with a Surety Expert