Arizona 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.
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How much does an Arizona mortgage loan originator bond cost?
$1,200 at the $200,000 amount, the same for every applicant.
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. No credit check.
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
Claims, renewal, filing, and what sets the price.
If a claim is made
A claim comes from the party the bond protects, the obligee named on the form, when the duty the bond guarantees is not met.
The surety investigates and pays a valid claim, up to the $200,000 bond amount. You then repay the surety: a surety bond is a guarantee of your performance, not insurance for you.
Renewal and term
The premium covers a one-year term from the effective date you choose; a longer term is the same price per year, chosen at checkout.
Renew before the expiry date to keep the bond in force: the license, permit or contract it backs expects continuous coverage.
How to file it
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 sets the price
The premium is fixed at $1,200 at the $200,000 amount for every applicant: the carrier’s rate book prices this bond by the form, not by your credit or your business profile.
No credit check.
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.
Arizona mortgage license bonds.
We write 5 mortgage license bonds in Arizona. Each license has its own bond, amount and price; pick the one your license calls for.
| License bond | Required by | Bond amount | Price |
|---|---|---|---|
| Commercial Mortgage Broker Bond | A.R.S. § 6-903(K) | Varies | From $100 |
| Mortgage Broker Bond | A.R.S. § 6-903(K) | Varies | From $100 |
| Commercial Mortgage Banker Bond | A.R.S. § 6-975 | $25,000 or more | From $150 |
| Mortgage Banker Bond | A.R.S. § 6-943 | Varies | From $100 |
| Mortgage Loan Originator Bond ($200,000) (this page) | A.R.S. § 6-991.03(B)(8) | $200,000 | $1,200 |
Other Arizona bonds.
The same bond in nearby states.
Been told you need a different amount?
Price and requirements checked on the carrier’s application, . Page updated .
Cover your loan originators today.
$1,200 flat, issued the moment you pay, no credit check. Free until issued.