{ "name": "State Licensing Cost, Timeline & Requirements Index", "description": "Privacy-safe state-by-state licensing index: government fees, surety bond and net-worth requirements, processing timelines, and renewal cadence.", "license": "https://creativecommons.org/licenses/by/4.0/", "source": "https://cornerstonelicensing.com/licensing-data", "dateModified": "2026-06-26T06:55:32.424Z", "caveat": "Every figure here is an indicative aggregate, not a quote. What you actually pay and how long you wait depends on your business profile, the states you operate in, and the license type, and requires our review of your specifics.", "records": [ { "vertical": "mortgage", "scope": "state", "stateCode": "AR", "stateName": "Arkansas", "governmentFeesUsd": { "low": 100, "high": 1000 }, "suretyBondUsd": 10000, "netWorthUsd": null, "processingTimelineWeeks": { "low": 14, "high": 24 }, "renewalCadenceMonths": 12, "engagementCostUsd": null, "relativeCostBand": "lower", "belowSampleThreshold": true }, { "vertical": "mortgage", "scope": "state", "stateCode": "CA", "stateName": "California", "governmentFeesUsd": { "low": 100, "high": 1000 }, "suretyBondUsd": 50000, "netWorthUsd": null, "processingTimelineWeeks": { "low": 16, "high": 28 }, "renewalCadenceMonths": 12, "engagementCostUsd": null, "relativeCostBand": "higher", "belowSampleThreshold": true }, { "vertical": "mortgage", "scope": "state", "stateCode": "CT", "stateName": "Connecticut", "governmentFeesUsd": { "low": 100, "high": 1000 }, "suretyBondUsd": 25000, "netWorthUsd": null, "processingTimelineWeeks": { "low": 14, "high": 24 }, "renewalCadenceMonths": 12, "engagementCostUsd": null, "relativeCostBand": "higher", "belowSampleThreshold": true }, { "vertical": "mortgage", "scope": "state", "stateCode": "DE", "stateName": "Delaware", "governmentFeesUsd": { "low": 100, "high": 1000 }, "suretyBondUsd": 10000, "netWorthUsd": null, "processingTimelineWeeks": { "low": 14, "high": 24 }, "renewalCadenceMonths": 12, "engagementCostUsd": null, "relativeCostBand": "lower", "belowSampleThreshold": true }, { "vertical": "mortgage", "scope": "state", "stateCode": "FL", "stateName": "Florida", "governmentFeesUsd": { "low": 100, "high": 1000 }, "suretyBondUsd": 50000, "netWorthUsd": null, "processingTimelineWeeks": { "low": 14, "high": 24 }, "renewalCadenceMonths": 12, "engagementCostUsd": null, "relativeCostBand": "higher", "belowSampleThreshold": true }, { "vertical": "mortgage", "scope": "state", "stateCode": "HI", "stateName": "Hawaii", "governmentFeesUsd": { "low": 100, "high": 1000 }, "suretyBondUsd": 10000, "netWorthUsd": null, "processingTimelineWeeks": { "low": 14, "high": 24 }, "renewalCadenceMonths": 12, "engagementCostUsd": null, "relativeCostBand": "lower", "belowSampleThreshold": true }, { "vertical": "mortgage", "scope": "state", "stateCode": "ID", "stateName": "Idaho", "governmentFeesUsd": { "low": 100, "high": 1000 }, "suretyBondUsd": 10000, "netWorthUsd": null, "processingTimelineWeeks": { "low": 14, "high": 24 }, "renewalCadenceMonths": 12, "engagementCostUsd": null, "relativeCostBand": "lower", "belowSampleThreshold": true }, { "vertical": "mortgage", "scope": "state", "stateCode": "IL", "stateName": "Illinois", "governmentFeesUsd": { "low": 100, "high": 1000 }, "suretyBondUsd": 50000, "netWorthUsd": null, "processingTimelineWeeks": { "low": 14, "high": 24 }, "renewalCadenceMonths": 12, "engagementCostUsd": null, "relativeCostBand": "higher", "belowSampleThreshold": true }, { "vertical": "mortgage", "scope": "state", "stateCode": "IA", "stateName": "Iowa", "governmentFeesUsd": { "low": 100, "high": 1000 }, "suretyBondUsd": 10000, "netWorthUsd": null, "processingTimelineWeeks": { "low": 14, "high": 24 }, "renewalCadenceMonths": 12, "engagementCostUsd": null, "relativeCostBand": "lower", "belowSampleThreshold": true }, { "vertical": "mortgage", "scope": "state", "stateCode": "KS", "stateName": "Kansas", "governmentFeesUsd": { "low": 100, "high": 1000 }, "suretyBondUsd": 10000, "netWorthUsd": null, "processingTimelineWeeks": { "low": 14, "high": 24 }, "renewalCadenceMonths": 12, "engagementCostUsd": null, "relativeCostBand": "lower", "belowSampleThreshold": true }, { "vertical": "mortgage", "scope": "state", "stateCode": "KY", "stateName": "Kentucky", "governmentFeesUsd": { "low": 100, "high": 1000 }, "suretyBondUsd": 10000, "netWorthUsd": null, "processingTimelineWeeks": { "low": 14, "high": 24 }, "renewalCadenceMonths": 12, "engagementCostUsd": null, "relativeCostBand": "lower", "belowSampleThreshold": true }, { "vertical": "mortgage", "scope": "state", "stateCode": "MI", "stateName": "Michigan", "governmentFeesUsd": { "low": 100, "high": 1000 }, "suretyBondUsd": 10000, "netWorthUsd": null, "processingTimelineWeeks": { "low": 14, "high": 24 }, "renewalCadenceMonths": 12, "engagementCostUsd": null, "relativeCostBand": "lower", "belowSampleThreshold": true }, { "vertical": "mortgage", "scope": "state", "stateCode": "MN", "stateName": "Minnesota", "governmentFeesUsd": { "low": 100, "high": 1000 }, "suretyBondUsd": 10000, "netWorthUsd": null, "processingTimelineWeeks": { "low": 14, "high": 24 }, "renewalCadenceMonths": 12, "engagementCostUsd": null, "relativeCostBand": "lower", "belowSampleThreshold": true }, { "vertical": "mortgage", "scope": "state", "stateCode": "MS", "stateName": "Mississippi", "governmentFeesUsd": { "low": 100, "high": 1000 }, "suretyBondUsd": 10000, "netWorthUsd": null, 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"high": 1000 }, "suretyBondUsd": 25000, "netWorthUsd": null, "processingTimelineWeeks": { "low": 14, "high": 24 }, "renewalCadenceMonths": 12, "engagementCostUsd": null, "relativeCostBand": "higher", "belowSampleThreshold": true }, { "vertical": "mortgage", "scope": "state", "stateCode": "NM", "stateName": "New Mexico", "governmentFeesUsd": { "low": 100, "high": 1000 }, "suretyBondUsd": 10000, "netWorthUsd": null, "processingTimelineWeeks": { "low": 14, "high": 24 }, "renewalCadenceMonths": 12, "engagementCostUsd": null, "relativeCostBand": "lower", "belowSampleThreshold": true }, { "vertical": "mortgage", "scope": "state", "stateCode": "NY", "stateName": "New York", "governmentFeesUsd": { "low": 100, "high": 3000 }, "suretyBondUsd": 50000, "netWorthUsd": null, "processingTimelineWeeks": { "low": 16, "high": 28 }, "renewalCadenceMonths": 12, "engagementCostUsd": null, "relativeCostBand": "higher", "belowSampleThreshold": true }, { "vertical": "mortgage", "scope": "state", "stateCode": "OH", "stateName": "Ohio", "governmentFeesUsd": { "low": 100, "high": 1000 }, "suretyBondUsd": 25000, "netWorthUsd": null, "processingTimelineWeeks": { "low": 14, "high": 24 }, "renewalCadenceMonths": 12, "engagementCostUsd": null, "relativeCostBand": "higher", "belowSampleThreshold": true }, { "vertical": "mortgage", "scope": "state", "stateCode": "OK", "stateName": "Oklahoma", "governmentFeesUsd": { "low": 100, "high": 1000 }, "suretyBondUsd": 10000, "netWorthUsd": null, "processingTimelineWeeks": { "low": 14, "high": 24 }, "renewalCadenceMonths": 12, "engagementCostUsd": null, "relativeCostBand": "lower", "belowSampleThreshold": true }, { "vertical": "mortgage", "scope": "state", "stateCode": "RI", "stateName": "Rhode Island", "governmentFeesUsd": { "low": 100, "high": 1000 }, "suretyBondUsd": 10000, "netWorthUsd": null, "processingTimelineWeeks": { "low": 14, "high": 24 }, "renewalCadenceMonths": 12, "engagementCostUsd": null, "relativeCostBand": "lower", "belowSampleThreshold": true }, { "vertical": "mortgage", "scope": "state", "stateCode": "SD", "stateName": "South Dakota", "governmentFeesUsd": { "low": 100, "high": 1000 }, "suretyBondUsd": 10000, "netWorthUsd": null, "processingTimelineWeeks": { "low": 14, "high": 24 }, "renewalCadenceMonths": 12, "engagementCostUsd": null, "relativeCostBand": "lower", "belowSampleThreshold": true }, { "vertical": "mortgage", "scope": "state", "stateCode": "TX", "stateName": "Texas", "governmentFeesUsd": { "low": 100, "high": 1000 }, "suretyBondUsd": 50000, "netWorthUsd": null, "processingTimelineWeeks": { "low": 14, "high": 24 }, "renewalCadenceMonths": 12, "engagementCostUsd": null, "relativeCostBand": "higher", "belowSampleThreshold": true }, { "vertical": "mortgage", "scope": "state", "stateCode": "UT", "stateName": "Utah", "governmentFeesUsd": { "low": 100, "high": 1000 }, "suretyBondUsd": 10000, "netWorthUsd": null, "processingTimelineWeeks": { "low": 14, "high": 24 }, "renewalCadenceMonths": 12, "engagementCostUsd": null, "relativeCostBand": "lower", "belowSampleThreshold": true }, { "vertical": "mortgage", "scope": "state", "stateCode": "VT", "stateName": "Vermont", "governmentFeesUsd": { "low": 100, "high": 1000 }, "suretyBondUsd": 10000, "netWorthUsd": null, "processingTimelineWeeks": { "low": 14, "high": 24 }, "renewalCadenceMonths": 12, "engagementCostUsd": null, "relativeCostBand": "lower", "belowSampleThreshold": true }, { "vertical": "mortgage", "scope": "state", "stateCode": "WI", "stateName": "Wisconsin", "governmentFeesUsd": { "low": 100, "high": 1000 }, "suretyBondUsd": 10000, "netWorthUsd": null, "processingTimelineWeeks": { "low": 14, "high": 24 }, "renewalCadenceMonths": 12, "engagementCostUsd": null, "relativeCostBand": "lower", "belowSampleThreshold": true }, { "vertical": "mortgage", "scope": "state", "stateCode": "WY", "stateName": "Wyoming", "governmentFeesUsd": { "low": 100, "high": 1000 }, "suretyBondUsd": 10000, "netWorthUsd": null, "processingTimelineWeeks": { "low": 14, "high": 24 }, "renewalCadenceMonths": 12, "engagementCostUsd": null, "relativeCostBand": "lower", "belowSampleThreshold": true }, { "vertical": "mortgage", "scope": "national", "stateCode": "US", "stateName": "United States", "governmentFeesUsd": { "low": 100, "high": 3000 }, "suretyBondUsd": null, "netWorthUsd": null, "processingTimelineWeeks": { "low": 14, "high": 28 }, "renewalCadenceMonths": null, "engagementCostUsd": null, "relativeCostBand": null, "belowSampleThreshold": true }, { "vertical": "money-transmitter", "scope": "state", "stateCode": "PR", "stateName": "Puerto Rico", "governmentFeesUsd": { "low": 300, "high": 5000 }, "suretyBondUsd": 25000, "netWorthUsd": 100000, "processingTimelineWeeks": { "low": 21, "high": 42 }, "renewalCadenceMonths": 12, "engagementCostUsd": null, "relativeCostBand": "lower", "belowSampleThreshold": true }, { "vertical": "money-transmitter", "scope": "state", "stateCode": "CA", "stateName": "California", "governmentFeesUsd": { "low": 300, "high": 5000 }, "suretyBondUsd": 500000, "netWorthUsd": 500000, "processingTimelineWeeks": { "low": 25, "high": 54 }, "renewalCadenceMonths": 12, "engagementCostUsd": null, "relativeCostBand": "higher", "belowSampleThreshold": true }, { "vertical": "money-transmitter", "scope": "state", "stateCode": "KS", "stateName": "Kansas", "governmentFeesUsd": { "low": 300, "high": 5000 }, "suretyBondUsd": 25000, "netWorthUsd": 100000, "processingTimelineWeeks": { "low": 21, "high": 42 }, "renewalCadenceMonths": 12, "engagementCostUsd": null, "relativeCostBand": "lower", "belowSampleThreshold": true }, { "vertical": "money-transmitter", "scope": "state", "stateCode": "TN", "stateName": "Tennessee", "governmentFeesUsd": { "low": 300, "high": 5000 }, "suretyBondUsd": 25000, "netWorthUsd": 100000, "processingTimelineWeeks": { "low": 21, "high": 42 }, "renewalCadenceMonths": 12, "engagementCostUsd": null, "relativeCostBand": "lower", "belowSampleThreshold": true }, { "vertical": "money-transmitter", "scope": "state", "stateCode": "MT", "stateName": "Montana", "governmentFeesUsd": { "low": null, "high": null }, "suretyBondUsd": null, "netWorthUsd": null, "processingTimelineWeeks": { "low": null, "high": null }, "renewalCadenceMonths": null, "engagementCostUsd": null, "relativeCostBand": "lower", "belowSampleThreshold": true }, { "vertical": "money-transmitter", "scope": "state", "stateCode": "GA", "stateName": "Georgia", "governmentFeesUsd": { "low": 300, "high": 5000 }, "suretyBondUsd": 50000, "netWorthUsd": 100000, "processingTimelineWeeks": { "low": 21, "high": 42 }, "renewalCadenceMonths": 12, "engagementCostUsd": null, "relativeCostBand": "higher", "belowSampleThreshold": true }, { "vertical": "money-transmitter", "scope": "state", "stateCode": "IL", "stateName": "Illinois", "governmentFeesUsd": { "low": 300, "high": 5000 }, "suretyBondUsd": 100000, "netWorthUsd": 100000, "processingTimelineWeeks": { "low": 21, "high": 42 }, "renewalCadenceMonths": 12, "engagementCostUsd": null, "relativeCostBand": "higher", "belowSampleThreshold": true }, { "vertical": "money-transmitter", "scope": "state", "stateCode": "KY", "stateName": "Kentucky", "governmentFeesUsd": { "low": 300, "high": 5000 }, "suretyBondUsd": 25000, "netWorthUsd": 100000, "processingTimelineWeeks": { "low": 21, "high": 42 }, "renewalCadenceMonths": 12, "engagementCostUsd": null, "relativeCostBand": "lower", "belowSampleThreshold": true }, { "vertical": "money-transmitter", "scope": "state", "stateCode": "NJ", "stateName": "New Jersey", "governmentFeesUsd": { "low": 300, "high": 5000 }, "suretyBondUsd": 25000, "netWorthUsd": 100000, "processingTimelineWeeks": { "low": 21, "high": 42 }, "renewalCadenceMonths": 12, "engagementCostUsd": null, "relativeCostBand": "lower", "belowSampleThreshold": true }, { "vertical": "money-transmitter", "scope": "state", "stateCode": "CO", "stateName": "Colorado", "governmentFeesUsd": { "low": 300, "high": 5000 }, "suretyBondUsd": 25000, "netWorthUsd": 100000, "processingTimelineWeeks": { "low": 21, "high": 42 }, "renewalCadenceMonths": 12, "engagementCostUsd": null, "relativeCostBand": "lower", "belowSampleThreshold": true }, { "vertical": "mortgage", "scope": "state", "stateCode": "CO", "stateName": "Colorado", "governmentFeesUsd": { "low": 100, "high": 1000 }, "suretyBondUsd": 10000, "netWorthUsd": null, "processingTimelineWeeks": { "low": 14, "high": 24 }, "renewalCadenceMonths": 12, "engagementCostUsd": null, "relativeCostBand": "lower", "belowSampleThreshold": true }, { "vertical": "mortgage", "scope": "state", "stateCode": "NH", "stateName": "New Hampshire", "governmentFeesUsd": { "low": 100, "high": 1000 }, "suretyBondUsd": 10000, "netWorthUsd": null, "processingTimelineWeeks": { "low": 14, "high": 24 }, "renewalCadenceMonths": 12, "engagementCostUsd": null, "relativeCostBand": "lower", "belowSampleThreshold": true }, { "vertical": "mortgage", "scope": "state", "stateCode": "GA", "stateName": "Georgia", "governmentFeesUsd": { "low": 100, "high": 1000 }, "suretyBondUsd": 10000, "netWorthUsd": null, "processingTimelineWeeks": { "low": 14, "high": 24 }, "renewalCadenceMonths": 12, "engagementCostUsd": null, "relativeCostBand": "lower", "belowSampleThreshold": true }, { "vertical": "mortgage", "scope": "state", "stateCode": "LA", "stateName": "Louisiana", "governmentFeesUsd": { "low": 100, "high": 1000 }, "suretyBondUsd": 10000, "netWorthUsd": null, "processingTimelineWeeks": { "low": 14, "high": 24 }, "renewalCadenceMonths": 12, "engagementCostUsd": null, "relativeCostBand": "lower", "belowSampleThreshold": true }, { "vertical": "mortgage", "scope": "state", "stateCode": "MT", "stateName": "Montana", "governmentFeesUsd": { "low": 100, "high": 1000 }, "suretyBondUsd": 10000, "netWorthUsd": null, "processingTimelineWeeks": { "low": 14, "high": 24 }, "renewalCadenceMonths": 12, "engagementCostUsd": null, "relativeCostBand": "lower", "belowSampleThreshold": true }, { "vertical": "mortgage", "scope": "state", "stateCode": "ND", "stateName": "North Dakota", "governmentFeesUsd": { "low": 100, "high": 1000 }, "suretyBondUsd": 10000, "netWorthUsd": null, "processingTimelineWeeks": { "low": 14, "high": 24 }, "renewalCadenceMonths": 12, "engagementCostUsd": null, "relativeCostBand": "lower", "belowSampleThreshold": true }, { "vertical": "mortgage", "scope": "state", "stateCode": "OR", "stateName": "Oregon", "governmentFeesUsd": { "low": 100, "high": 1000 }, "suretyBondUsd": 10000, "netWorthUsd": null, "processingTimelineWeeks": { "low": 14, "high": 24 }, "renewalCadenceMonths": 12, "engagementCostUsd": null, "relativeCostBand": "lower", "belowSampleThreshold": true }, { "vertical": "mortgage", "scope": "state", "stateCode": "TN", "stateName": "Tennessee", "governmentFeesUsd": { "low": 100, "high": 1000 }, "suretyBondUsd": 10000, "netWorthUsd": null, "processingTimelineWeeks": { "low": 14, "high": 24 }, "renewalCadenceMonths": 12, "engagementCostUsd": null, "relativeCostBand": "lower", "belowSampleThreshold": true }, { "vertical": "mortgage", "scope": "state", "stateCode": "MA", "stateName": "Massachusetts", "governmentFeesUsd": { "low": 100, "high": 1000 }, "suretyBondUsd": 25000, "netWorthUsd": null, "processingTimelineWeeks": { "low": 14, "high": 24 }, "renewalCadenceMonths": 12, "engagementCostUsd": null, "relativeCostBand": "higher", "belowSampleThreshold": true }, { "vertical": "mortgage", "scope": "state", "stateCode": "SC", "stateName": "South Carolina", "governmentFeesUsd": { "low": 100, "high": 1000 }, "suretyBondUsd": 10000, "netWorthUsd": null, "processingTimelineWeeks": { "low": 14, "high": 24 }, "renewalCadenceMonths": 12, "engagementCostUsd": null, "relativeCostBand": "lower", "belowSampleThreshold": true }, { "vertical": "mortgage", "scope": "state", "stateCode": "VA", "stateName": "Virginia", "governmentFeesUsd": { "low": 100, "high": 1000 }, "suretyBondUsd": 10000, "netWorthUsd": null, "processingTimelineWeeks": { "low": 14, "high": 24 }, "renewalCadenceMonths": 12, "engagementCostUsd": null, "relativeCostBand": "lower", "belowSampleThreshold": true }, { "vertical": "mortgage", "scope": "state", "stateCode": "WV", "stateName": "West Virginia", "governmentFeesUsd": { "low": 100, "high": 1000 }, "suretyBondUsd": 10000, "netWorthUsd": null, "processingTimelineWeeks": { "low": 14, "high": 24 }, "renewalCadenceMonths": 12, "engagementCostUsd": null, "relativeCostBand": "lower", "belowSampleThreshold": true }, { "vertical": "mortgage", "scope": "state", "stateCode": "DC", "stateName": "District of Columbia", "governmentFeesUsd": { "low": 100, "high": 1000 }, "suretyBondUsd": 10000, "netWorthUsd": null, "processingTimelineWeeks": { "low": 14, "high": 24 }, "renewalCadenceMonths": 12, "engagementCostUsd": null, "relativeCostBand": "lower", "belowSampleThreshold": true }, { "vertical": "mortgage", "scope": "state", "stateCode": "PR", "stateName": "Puerto Rico", "governmentFeesUsd": { "low": 100, "high": 1000 }, "suretyBondUsd": 10000, "netWorthUsd": null, "processingTimelineWeeks": { "low": 14, "high": 24 }, "renewalCadenceMonths": 12, "engagementCostUsd": null, "relativeCostBand": "lower", "belowSampleThreshold": true }, { "vertical": "mortgage", "scope": "state", "stateCode": "AZ", "stateName": "Arizona", "governmentFeesUsd": { "low": 100, "high": 1000 }, "suretyBondUsd": 10000, "netWorthUsd": null, "processingTimelineWeeks": { "low": 14, "high": 24 }, "renewalCadenceMonths": 12, "engagementCostUsd": null, "relativeCostBand": "lower", "belowSampleThreshold": true }, { "vertical": "mortgage", "scope": "state", "stateCode": "ME", "stateName": "Maine", "governmentFeesUsd": { "low": 100, "high": 1000 }, "suretyBondUsd": 10000, "netWorthUsd": null, "processingTimelineWeeks": { "low": 14, "high": 24 }, "renewalCadenceMonths": 12, "engagementCostUsd": null, "relativeCostBand": "lower", "belowSampleThreshold": true }, { "vertical": "mortgage", "scope": "state", "stateCode": "NJ", "stateName": "New Jersey", "governmentFeesUsd": { "low": 100, "high": 1000 }, "suretyBondUsd": 10000, "netWorthUsd": null, "processingTimelineWeeks": { "low": 14, "high": 24 }, "renewalCadenceMonths": 12, "engagementCostUsd": null, "relativeCostBand": "lower", "belowSampleThreshold": true }, { "vertical": "mortgage", "scope": "state", "stateCode": "NC", "stateName": "North Carolina", "governmentFeesUsd": { "low": 100, "high": 1000 }, "suretyBondUsd": 10000, "netWorthUsd": null, "processingTimelineWeeks": { "low": 14, "high": 24 }, "renewalCadenceMonths": 12, "engagementCostUsd": null, "relativeCostBand": "lower", "belowSampleThreshold": true }, { "vertical": "mortgage", "scope": "state", "stateCode": "PA", "stateName": "Pennsylvania", "governmentFeesUsd": { "low": 100, "high": 1000 }, "suretyBondUsd": 10000, "netWorthUsd": null, "processingTimelineWeeks": { "low": 14, "high": 24 }, "renewalCadenceMonths": 12, "engagementCostUsd": null, "relativeCostBand": "lower", "belowSampleThreshold": true }, { "vertical": "mortgage", "scope": "state", "stateCode": "WA", "stateName": "Washington", "governmentFeesUsd": { "low": 100, "high": 1000 }, "suretyBondUsd": 10000, "netWorthUsd": null, "processingTimelineWeeks": { "low": 14, "high": 24 }, "renewalCadenceMonths": 12, "engagementCostUsd": null, "relativeCostBand": "lower", "belowSampleThreshold": true }, { "vertical": "mortgage", "scope": "state", "stateCode": "AL", "stateName": "Alabama", "governmentFeesUsd": { "low": 100, "high": 1000 }, "suretyBondUsd": 10000, "netWorthUsd": null, "processingTimelineWeeks": { "low": 14, "high": 24 }, "renewalCadenceMonths": 12, "engagementCostUsd": null, "relativeCostBand": "lower", "belowSampleThreshold": true }, { "vertical": "money-transmitter", "scope": "state", "stateCode": "ME", "stateName": "Maine", "governmentFeesUsd": { "low": 300, "high": 5000 }, "suretyBondUsd": 25000, "netWorthUsd": 100000, "processingTimelineWeeks": { "low": 21, "high": 42 }, "renewalCadenceMonths": 12, "engagementCostUsd": null, "relativeCostBand": "lower", 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