AZ commercial mortgage banker bonds.
0.6% of the bond amount.
Arizona licenses commercial mortgage bankers through the Department of Insurance and Financial Institutions, and A.R.S. § 6-975 requires a bond before you do business — $25,000 if your investors are limited solely to institutional investors, $100,000 if they include any other investors. Ours is 0.6% of the bond amount, $100 minimum, the bond issues the moment you pay, and any credit screen is a soft pull only — it never affects your score.
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Apply to filed in one sitting.
No underwriting queue for the standard commercial mortgage banker bond — enter your amount, pay, and file with DIFI. Here is the whole thing:
Apply online
Your business details, NMLS number, the bond amount your license requires, and the effective date — that is the entire application. If a credit check runs, it is a soft pull only — it never affects your score.
Issued the moment you pay
This bond is checkout-priced — the premium is 0.6% of the bond amount you enter, $100 minimum, and the executed bond is generated when you pay.
File with DIFI
Your executed bond and power of attorney arrive by email, ready to submit with your commercial mortgage banker license application or renewal through NMLS. Wet-ink original mailed on request.
What it is and who needs it.
What the commercial mortgage banker bond guarantees
Arizona regulates commercial mortgage bankers under Title 6, and A.R.S. § 6-975 requires each licensee to deposit a bond with the deputy director before doing business. The bond is conditioned on the licensee's faithful compliance with the licensing article — including its directors, officers, members, partners, trustees, and employees.
It's a three-party arrangement: your company (the principal), the surety carrier, and the state (the obligee). The bond is payable to any person injured by the wrongful act, default, fraud, or misrepresentation of the licensee or its employees, and to the state for the benefit of the injured person. If the surety pays a claim, your company repays the surety.
The amount turns on who funds your loans: $25,000 where investors are limited solely to institutional investors, $100,000 where they include any other investors. The statute allows cash or certain deposit alternatives, but a surety bond keeps that capital free. We track the term and send renewal notices 60 and 30 days out.
You need this bond if you're
One application, issued instantly.
Enter the bond amount your license requires and the executed bond generates at checkout — 0.6% of the bond amount, $100 minimum. Any credit check is a soft pull only, never a hard inquiry.
Start the application →Common questions.
Other Arizona bonds.
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0.6% of the bond amount, $100 minimum, issued the moment you pay. Free until issued.