Arkansas combination mortgage bonds.
From $600.
A firm operating as a mortgage banker, broker, and servicer under one Arkansas license needs a single surety bond under the Fair Mortgage Lending Act, A.C.A. § 23-39-505(f), sized to its prior-year Arkansas volume tier: $100,000, $150,000, or $200,000. Ours is 0.6% of the bond amount — $600, $900, or $1,200 by tier.
Trusted by industry leaders
How much does an Arkansas combination mortgage bond cost?
0.6% of the bond amount, from $600. Enter your amount in the calculator for the exact price.
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 application. No credit check up to $200,000.
Pay & e-sign
This bond is checkout-priced, 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
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 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.
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 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 sets the price
The premium is 0.6% of the bond amount, $600 minimum: the amount the obligee sets moves the price, not your business profile.
No credit check up to $200,000.
One application, issued instantly.
These are the actual issuing fields — business details, your bond amount, an effective date, and a term. That is the application.
Start the application →Common questions.
Arkansas mortgage license bonds.
We write 8 mortgage license bonds in Arkansas. Each license has its own bond, amount and price; pick the one your license calls for.
| License bond | Required by | Bond amount | Price |
|---|---|---|---|
| Combination Mortgage Banker / Broker / Servicer Bond (this page) | A.C.A. § 23-39-505(f) | Varies | From $600 |
| Mortgage Broker Bond ($100,000) | A.C.A. § 23-39-505(f) | $100,000 | $600 |
| Mortgage Broker Bond ($150,000) | A.C.A. § 23-39-505(f) | $150,000 | $900 |
| Mortgage Broker Bond ($200,000) | A.C.A. § 23-39-505(f) | $200,000 | $1,200 |
| Mortgage Banker Bond ($100,000) | A.C.A. § 23-39-505(f) | $100,000 | $600 |
| Mortgage Banker Bond ($150,000) | A.C.A. § 23-39-505(f) | $150,000 | $900 |
| Mortgage Banker Bond ($200,000) | A.C.A. § 23-39-505(f) | $200,000 | $1,200 |
| Mortgage Servicer Bond | A.C.A. § 23-39-505(f) | Varies | From $600 |
Other Arkansas bonds.
Price and requirements checked on the carrier’s application, . Page updated .
One bond for your whole mortgage operation.
From $600, issued the moment you pay, no credit check up to $200,000. Free until issued.