AR mortgage banker bonds.
$600 flat.
Arkansas licenses mortgage bankers under the Fair Mortgage Lending Act, and A.C.A. § 23-39-505(f) makes a surety bond a condition of the license — $100,000 for a banker whose Arkansas residential loan volume was $10 million or less in the prior calendar year, filed electronically through NMLS with the Arkansas Securities Department. Ours is $600 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.
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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, an effective date, and a term. That is the entire application — no financials, and 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
Arkansas regulates mortgage bankers — lenders who fund residential mortgage loans — through the Arkansas Securities Department under the Fair Mortgage Lending Act, A.C.A. § 23-39-501 et seq. Licensure requires a surety bond under § 23-39-505(f), tiered to your prior-year Arkansas volume: $100,000 at $10 million or less, $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 — the licensing, disclosure, and conduct rules that protect Arkansas borrowers — 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, an effective date, and a term. That is the entire application.
Start the application →Common questions.
Other Arkansas bonds.
Finish your mortgage banker license today.
$600 flat, issued the moment you pay, soft pull only. Free until issued.