AR mortgage servicer bonds.
$600 flat.
Arkansas licenses mortgage servicers under the Fair Mortgage Lending Act, and A.C.A. § 23-39-505(f) makes a surety bond a condition of the license — sized to the Arkansas residential loans in your servicing portfolio: $100,000 at $10 million or less, $150,000 between $10 million and $25 million, $200,000 above that. 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
Arkansas regulates mortgage servicers — the firms that collect payments and administer 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), and under the FMLA rules a servicer's amount is based on the aggregate Arkansas residential mortgage loans held in its portfolio during the preceding calendar year: $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 — escrow handling, payoff processing, and the conduct rules that protect Arkansas homeowners — 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.
Finish your mortgage servicer license today.
$600 flat at every tier, issued the moment you pay, soft pull only. Free until issued.