Who requires it
Nebraska Department of Banking and Finance — Mortgage
License & permit · Nebraska
Nebraska Mortgage Banker Bond
Nebraska mortgage banker applicants and registrants must file a one-hundred-thousand-dollar bond with the Department of Banking and Finance. After the mortgage report of condition, Neb. Rev. Stat. §45-724 requires the licensee to maintain or increase the amount to one hundred thousand, one hundred twenty-five thousand, one hundred fifty thousand, or two hundred thousand dollars based on the prior calendar year’s closed or serviced Nebraska residential mortgage loan volume. The company bond also covers mortgage loan originators who are employees or independent agents of the applicant.
Common bond amount
$100,000–$200,000
Initial $100,000; then by prior-year closed/serviced NE volume: $100k / $125k / $150k / $200k (Neb. Rev. Stat. § 45-724).
How you file
File electronically through NMLS; company bond covers affiliated originators
Renewal
Resize after mortgage report of condition; 30-day increase window if under-bonded
Who requires it
Applicants for and holders of Nebraska mortgage banker licenses or registrations under the Residential Mortgage Licensing Act who file through NMLS with the Department of Banking and Finance.
How much is required
Subsection (1) sets the starting amount at one hundred thousand dollars. Subsection (2) then applies the prior-year closed or serviced Nebraska residential mortgage volume table: $0–$5,000,000 → $100,000; $5,000,000.01–$10,000,000 → $125,000; $10,000,000.01–$25,000,000 → $150,000; over $25,000,000 → $200,000. The director may require a new or additional bond of up to one million dollars if the filed bond is exhausted or inadequate.
How to get and file it
Have an authorized surety issue a Nebraska mortgage banker bond (or increase an existing bond) that names the State and Nebraska residents as beneficiaries and covers affiliated mortgage loan originators. File the electronic bond through NMLS and resize after each mortgage report of condition when volume crosses a tier. Keep the bond in effect during all periods of licensing or registration. If the Department finds the amount below the volume table, increase coverage within thirty days of written notice. Manage changes through NMLS rather than paper-only filings.
Cost note
One hundred thousand to two hundred thousand dollars (or a director-ordered higher amount) is the required bond amount, not the premium you pay. See bond amount vs premium. Bond amount vs premium →
Requirement checklist
- $0 – $5,000,000 closed/serviced
- $100,000
- $5,000,000.01 – $10,000,000
- $125,000
- $10,000,000.01 – $25,000,000
- $150,000
- Over $25,000,000
- $200,000
Official sources
Frequently asked questions
Does a Nebraska MLO need a separate individual bond?
Section 45-724 requires the mortgage banker bond to cover mortgage loan originators who are employees or independent agents of the applicant. Those originators generally rely on the company’s bond rather than posting a separate individual bond.
Can the Nebraska mortgage bond go above $200,000?
Yes. Subsection (4) allows the director to require a new or additional bond up to one million dollars when the filed bond is exhausted or inadequate, including for financial-condition reasons.
Related Nebraska bond guides
Money Transmitter Bond
$100,000–$500,000
Nebraska money-transmission applicants and licensees must maintain a surety bond satisfactory to the director under Neb. Rev. Stat. §8-2731. The amount is the greater of one hundred thousand dollars or one hundred percent of the licensee’s average daily Nebraska money-transmission liability for the most recently completed three-month period, up to five hundred thousand dollars. The section became operative October 1, 2025.
Credit Services Organization Bond
$100,000
A credit services organization conducting business in Nebraska must obtain a one-hundred-thousand-dollar surety bond or establish a one-hundred-thousand-dollar surety account under Neb. Rev. Stat. §45-805. The instrument runs in favor of the state and any person damaged by a Credit Services Organization Act violation. Bond copies—or surety-account depository notices—file with the Secretary of State as part of CSO registration.
Title Insurance Escrow Agent Bond
$100,000
Every Nebraska-licensed title insurance agent—and any bona fide employee handling escrow or security deposits—must keep coverage of not less than one hundred thousand dollars under Neb. Rev. Stat. §44-19,109. The Director of Insurance accepts a surety bond, letter of credit, certificate of deposit, or deposit of cash or securities covering all of the title insurance agent’s employees. The Department’s Title Insurance Bond for Escrow Agents form uses a one-hundred-thousand-dollar amount payable to the Director.
Surety basics (not repeated here)
Universal surety concepts explained once—linked here instead of repeated on every state or bond page.
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Last verified 2026-08-11. This guide is based on verified educational content and official sources.
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