AZ mortgage broker bonds.
0.6% of the bond amount.
Arizona licenses mortgage brokers through the Department of Insurance and Financial Institutions, and A.R.S. § 6-903 requires a bond on deposit before you do business — $10,000 if your investors are limited solely to institutional investors, $15,000 if they include any noninstitutional investors. Ours is 0.6% of the bond amount, $100 minimum — both statutory amounts price at the $100 minimum — and any credit screen is a soft pull only, never affecting your score.
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Apply to filed in one sitting.
No underwriting queue for the standard mortgage broker 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 mortgage broker license application or renewal through NMLS. Wet-ink original mailed on request.
What it is and who needs it.
What the mortgage broker bond guarantees
Arizona regulates mortgage brokers under Title 6, Chapter 9, and A.R.S. § 6-903 requires every licensee to deposit a bond with the deputy director before doing business as a mortgage broker. 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: you (the principal), the surety carrier, and the state (the obligee), with the borrowers and investors in your brokered loans as the protected parties. 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, you repay the surety.
Only one bond is required per company, regardless of how many officers, directors, members, or partners it has. The amount turns on your investors: $10,000 where they are limited solely to institutional investors, $15,000 where any noninstitutional investors are included. The bond must stay on deposit for the life of the license — 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.