Arkansas mortgage servicer bonds.
From $600.
Arkansas licenses mortgage servicers under the Fair Mortgage Lending Act, and A.C.A. § 23-39-505(f) requires a surety bond for the license. The amount follows the Arkansas residential loans in your servicing portfolio: $100,000 at $10 million or less, $150,000 up to $25 million, $200,000 above. Ours is 0.6% of the bond amount — $600, $900, or $1,200 by tier.
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How much does an Arkansas mortgage servicer 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 $250,000. Above that, the carrier may run a soft pull, which never affects your score.
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
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
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 $250,000. Above that, the carrier may run a soft pull, which never affects your score.
Where a check runs, it decides approval; the rate is the same for everyone approved.
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 | 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 (this page) | A.C.A. § 23-39-505(f) | Varies | From $600 |
Other Arkansas bonds.
Price and requirements checked on the carrier’s application, . Page updated .
Finish your mortgage servicer license today.
From $600, issued the moment you pay, no credit check up to $250,000. Free until issued.