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The North Carolina Mortgage Lender Bond is required by the North Carolina Commissioner of Banks. It is a type of surety bond. The license application and administration is administered by the Nationwide Mortgage Licensing System (NMLS). The required surety bond is filed electronically with the NMLS.  According to the state, a mortgage lender is defined as:

Any person (individual, partnership, limited liability company, limited partnership, corporation, association, or other group) engaged in joint business activities, however organized) who closes a mortgage loan, advances funds, offers to advance funds, or makes a commitment to advance funds to a borrower under a mortgage loan for compensation or gain. Licensed lenders may also broker mortgage loans by accepting or offering to accept or soliciting or offering to solicit, applications for residential mortgage loans, negotiating terms or conditions,
issuing mortgage loan commitments or interest rate guarantee agreements, or engaging in table funding, whether such acts are done through contact by telephone, electronic means, mail, or in person with borrowers or potential borrowers. In addition, licensed lenders may also service residential mortgage loans; a separate servicer license is not required; however, the additional activity requires approval by the state.

The North Carolina Mortgage Lender Bond is required to be in the amount of $150,000. The bond states that the bondholder and it’s officers, employees and agents should operate under Article 19A of Chapter 53 of the North Carolina General Statutes, the Mortgage Lending Act (“MLA”). Due to the amount of the bond, a surety may request business and personal financials in order to obtain the best quote for your bond. In order to find out the cost of the surety bond, all we need is the completed application. 

The state of North Carolina also requires a license and bond for mortgage brokers. While the lender license includes loan brokering, the broker license has less restrictive requirements and a smaller surety bond requirement.

Activities Authorized Under the Lender License

  • First mortgage brokering and lending
  • Second mortgage brokering and lending
  • High cost home loans – Brokering and lending
  • Home equity lines of credit – brokering and lending
  • Manufactured housing financing – brokering and lending
  • Third party mortgage loan processing
  • Third party mortgage loan underwriting
  • Lead generation
  • Reverse mortgage lending (requires additional review & authorization by agency, fee and bond – refer to N.C. General Statute § 53-255, et. al.).
  • Servicing activities (requires additional review & authorization by agency.

License Requirements

The application for the license should be submitted through the NMLS website. The following documents must be prepared too.


  • Evidence of warehouse line of credit
  • Resume of the qualifying individual
  • Credit report
  • FBI Criminal Background checkNorth Carolina Mortgage Lender/Servicer
  • Financial Statements
  • Business plan
  • North Carolina Mortgage Lender Bond
  • Secretary of State Documentation
  • Formation document
  • Organizational chart
  • Ownership chart
  • Marketing agreements
  • Books and records
  • Lease agreements
  • Payment for all the fees
  • Copy of Bank secrecy act

How do I obtain a North Carolina Mortgage Lender Bond?

At we make it as simple as possible to obtain your surety bond:

  1. Complete our easy to navigate and secure online application. 1
  2. One of our surety bond professional agents will contact you to request additional information that maybe requested by the surety.
  3. Review your free, no obligation quote.
  4. Sign some paperwork and make payment (all major credit cards accepted).

Once these steps have been completed, Surety1 the North Carolina Mortgage Lender Bond will be filed electronically with the NMLS. 

(1) The name of the applicant on the surety bond application must match exactly the full legal business name of applicant for the license. is a service of AssuredPartners one of the largest and fastest growing insurance agencies in the nation. is the premier online provider of surety bonds nationwide since 2003 and  maintains an A+ rating by the Better Business Bureau

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

North Carolina Mortgage Lender Bond








How to Get Your North Carolina 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

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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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