AZ mortgage loan originator bonds.
$1,200 flat.
Arizona gives mortgage companies a choice for their licensed loan originators: pay into the state mortgage recovery fund for each one, or file a single $200,000 surety bond under A.R.S. § 6-991.03 — executed by the employer as principal — that covers them instead. Ours is $1,200 flat, the price you see is the checkout price, and the bond issues the moment you pay. Any credit screen is a soft pull only — it never affects your score.
Trusted by industry leaders
Three steps. One sitting.
The loan originator employer bond is a straightforward statutory filing. Here is the entire process:
Apply online
Your company details, NMLS number, a few standard eligibility questions, an effective date, and a term — that is the entire application. Any credit check is a soft pull that never shows as a hard inquiry.
Pay & e-sign
This bond is checkout-priced at $1,200 flat, so it issues the moment you pay — your executed bond and power of attorney generate on the spot.
File with DIFI
Your executed bond arrives by email, ready to submit through NMLS with the Department of Insurance and Financial Institutions. Wet-ink original mailed on request.
What it is and who needs it.
What the loan originator bond guarantees
Arizona licenses mortgage loan originators under A.R.S. § 6-991.03, and every applicant must be covered one of two ways: by paying into the state mortgage recovery fund, or by a surety bond of not less than $200,000 executed by the applicant's employer or registered exempt person as principal. One employer bond covers the loan originators working under it — and those originators do not contribute to the recovery fund.
It's a three-party arrangement: the employer (the principal), the surety carrier, and the state (the obligee), for the benefit of any person aggrieved by an act, representation, transaction, or conduct of a licensed loan originator that violates the statute. If a valid claim is paid, the principal repays the surety — the bond is a guarantee, not insurance for the company.
For a shop with more than a handful of originators, the bond usually beats per-person recovery-fund invoicing — one filing, one renewal, every covered originator exempt from fund payments. The bond must stay on file for the covered licenses to stay current; we track the term and send renewal notices 60 and 30 days out.
You need this bond if you're
One application, issued instantly.
These are the actual issuing fields — company details, a few standard eligibility questions, an effective date, and a term. That is the entire application.
Start the application →Common questions.
Other Arizona bonds.
Cover your loan originators today.
$1,200 flat, issued the moment you pay, soft pull only. Free until issued.