Colorado mortgage company bonds.
$600 flat.
Colorado lets a mortgage company hold one surety bond in its own name covering all the mortgage loan originators it employs. Under C.R.S. 12-10-717 and the Board's rules, a company with fewer than 20 covered licensees posts a $100,000 bond. Ours is $600 flat.
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How much does a Colorado mortgage company bond cost?
$600 at the $100,000 amount, the same for every applicant.
Three steps. One sitting.
Company MLO bonds are a straightforward filing. Here's the entire process:
Apply online
Company details, an effective date, and a term. That is the application. No credit check.
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 with the Division of Real Estate
Your executed bond arrives by email, ready to submit with your company license records at the Colorado Division of Real Estate. Wet-ink original mailed on request.
What it is and who needs it.
What the bond actually guarantees
C.R.S. 12-10-717 requires every licensed Colorado mortgage loan originator to maintain a surety bond — and it expressly allows the bond to be held in the name of the company that employs them. Under the Board of Mortgage Loan Originators' rules (4 CCR 725-3), a company bond covering fewer than 20 individual licensees is set at $100,000; at 20 or more, the amount steps up to $200,000.
It's a three-party arrangement: your company (the principal), the surety carrier, and the State of Colorado (the obligee). The bond stands behind each covered originator's compliance with Colorado's mortgage-origination laws — one instrument in place of a stack of individual $25,000 bonds.
It is not insurance for you — if the surety pays a claim, the company repays the surety. Watch your headcount: the day you cover your 20th licensee, the $200,000 tier applies. The bond must stay 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 $100,000 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; a longer term is the same price per year, chosen at checkout.
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 with the Division of Real Estate. Your executed bond arrives by email, ready to submit with your company license records at the Colorado Division of Real Estate. Wet-ink original mailed on request.
What sets the price
The premium is fixed at $600 at the $100,000 amount for every applicant: the carrier’s rate book prices this bond by the form, not by your credit or your business profile.
No credit check.
One application, issued instantly.
These are the actual issuing fields — company details, an effective date, and a term. That is the entire application.
Start the application →Common questions.
Colorado mortgage license bonds.
We write 3 mortgage license bonds in Colorado. Each license has its own bond, amount and price; pick the one your license calls for.
| License bond | Required by | Bond amount | Price |
|---|---|---|---|
| Mortgage Company Bond ($100,000 — Fewer than 20 Licenses) (this page) | C.R.S. 12-10-717 & 4 CCR 725-3 | $100,000 | $600 |
| Mortgage Company Bond ($200,000 — 20 or More Licenses) | C.R.S. 12-10-717 & 4 CCR 725-3 | $200,000 | $1,200 |
| Mortgage Loan Originator Bond ($25,000) | C.R.S. 12-10-717 | $25,000 | $150 |
Other Colorado bonds.
Been told you need a different amount?
Price and requirements checked on the carrier’s application, . Page updated .
Bond your whole MLO roster today.
$600 flat, issued the moment you pay, no credit check. Free until issued.