The Maryland Mortgage Lender Bond is a type of surety bond and is one requirement to obtain a mortgage lender license in the state.  While the bond is required by the Maryland Commissioner of Financial Regulation, the license administration and license application is managed by the Nationwide Mortgage Licensing System (NMLS) and the surety bond is filed electronically directly to theMaryland Mortgage Lender Bond NMLS.

Who Is Required to Have a Mortgage Lender License?

This license is required for any person (defined in Md. Code Ann., Fin. Inst. §1-101) who engages in the mortgage lending business (including the making or procuring of loans primarily for personal, family, or household use secured by a dwelling or residential real estate located outside of Maryland) as a lender, servicer, or broker. A complete list of the license requirements can be found here. The license authorizes the following activities:

  • Consumer loan brokering
  • Consumer loan lending
  • First mortgage brokering
  • Second mortgage brokering
  • First mortgage lending
  • Second mortgage lending
  • Judgement recovery
  • Third party first mortgage servicing
  • Subordinate lien mortgage servicing
  • Third party subordinate lien servicing
  • Property tax lending
  • Short sale
  • Master servicing
  • Home equity lending/lines of credit
  • Reverse mortgage brokering
  • Reverse mortgage lending
  • Reverse mortgage servicing
  • High cost home loans
  • Third party mortgage loan processing
  • Third party mortgage loan underwriting
  • Lead generation
  • Manufactured housing financing
  • Mortgage loan modification

All licensed lenders must provide a Maryland Mortgage Lender Bond The required amount of the surety bond depends on the volume of mortgage business performed in the previous 12 months. New licensees must provide the minimum bond amount.

  • If the business volume is under $3,000,000, the minimum required bond amount is $50,000.
  • If the business volume is between 3,000,000 and $10,000,000, the minimum required bond amount is $100,000.
  • If the business volume is over $10,000,000, the minimum required bond amount is $150,000.

Click to Visit our State-by-State Guide to Mortgage industry Surety Bonds

How to Obtain a Maryland Mortgage Lender Bond

At we make it east to obtain the surety bonds you need. Our simple 3 step process is:

  1. Complete our easy to navigate and secure online application1
  2. Receive your free, no obligation quote from one of our surety bond professional agents.2
  3. Sign some paperwork and make payment (all major credit cards accepted).

Once these steps have been completed, your Maryland Mortgage Lender Bond will be filed electronically by to the NMLS.
1. The name on the surety bond application must match exactly the full legal name of license applicant.
2. Depending on the bond amount, additional underwriting information may be required by the surety company to gain approval for the bond. is a service of AssuredPartners one of the largest and fastest growing insurance agencies in the nation. Representing over a dozen surety bond companies, is the premier online provider of surety bonds nationwide since 2003. We also maintain an A+ rating from the Better Business Bureau.


How to Get Your Maryland Mortgage Lender Bond

  1. Complete an online application. It’s free and no-obligation.
  2. One of our surety experts will contact you with a firm quote and an agreement to sign.
  3. Provide payment and your signed agreement, and then you will receive your Surety Bond!

If you have any questions, please call us at 877-654-2327.

How to Get Bonded

1. Apply Online
Using our Free & Secure Application
2. Get Your Free Quote
Applications are No-Obligation
3. Get Your Bond
Most Bonds are Approved in 1-2 Business Days

Surety Bond Experts

Surety1 was founded in 2003 and helps thousands of clients find the best prices on their surety bonds. We take pride in our work so that we can give you great service. Learn more about Surety1.

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