AR combination mortgage bonds.
$600 flat.
Operating as a mortgage banker, broker, and servicer under one Arkansas license? The Fair Mortgage Lending Act still requires a single surety bond under A.C.A. § 23-39-505(f), sized to your prior-year Arkansas volume tier — $100,000, $150,000, or $200,000 — and filed electronically through NMLS with the Arkansas Securities Department. Whichever tier you need, ours is $600 flat — the price you see is the checkout price, the bond issues the moment you pay, and any credit screen is a soft pull only.
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Three steps. One sitting.
NMLS surety bonds are among the most standardized filings in mortgage licensing. Here is the entire process:
Apply online
Business details, the bond amount your tier requires, an effective date, and a term. That is the entire application — any credit screen is a soft pull that never shows as a hard inquiry.
Pay & e-sign
This bond is checkout-priced at $600 flat, so it issues the moment you pay — your executed bond and power of attorney generate on the spot.
File through NMLS
Your executed bond is ready to associate with your Arkansas license record via NMLS electronic surety bond, where the Securities Department reviews it. Wet-ink original mailed on request.
What it is and who needs it.
What the bond actually guarantees
The Arkansas Securities Department licenses mortgage bankers, brokers, and servicers under the Fair Mortgage Lending Act, A.C.A. § 23-39-501 et seq. — and a firm that does more than one of those things carries a combination license backed by a single surety bond under § 23-39-505(f). The amount follows the FMLA volume tiers: $100,000 at $10 million or less in prior-year Arkansas activity, $150,000 between $10 million and $25 million, and $200,000 above $25 million.
It's a three-party arrangement: you (the principal), the surety carrier, and the state (the obligee). The bond stands behind your compliance with the Act across every role you play — origination, brokering, and servicing — and a person harmed by a violation can recover against it. The full bond amount must be in effect at all times.
It is not insurance for you — if the surety pays a claim, you repay the surety. Under the FMLA rules the bond must also remain in effect for at least five years after it lapses or terminates, so keep it continuously on file; 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 — business details, your bond amount, an effective date, and a term. That is the entire application.
Start the application →Common questions.
Other Arkansas bonds.
One bond for your whole mortgage operation.
$600 flat at every tier, issued the moment you pay, soft pull only. Free until issued.