CO mortgage company bonds.
$1,200 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 20 or more covered licensees posts a $200,000 bond. Ours is $1,200 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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One bond covers every MLO your company employs — 20 or more licensees at this tier

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Fixed price, fixed amount — $200,000 bond, $1,200 flat, no quote process

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Multi-year terms available — set it up once for up to 3 years

A-ratedA.M. Best carriersInstantissuance at checkout$1,200 flatsame price at checkout

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How it works

Three steps. One sitting.

Company MLO bonds are a straightforward filing. Here's the entire process:

NOW · ONLINE

Apply online

Company details, 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.

INSTANTLY

Pay & e-sign

This bond is checkout-priced at $1,200 flat, so it issues the moment you pay — your executed bond and power of attorney generate on the spot.

SAME DAY

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.

About this bond

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 20 or more individual licensees is set at $200,000; smaller rosters qualify for the $100,000 tier.

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. The bond must stay continuously on file for every covered licensee; we track the term and send renewal notices 60 and 30 days out.

C.R.S. 12-10-717 & 4 CCR 725-3Section 12-10-717 requires each mortgage loan originator to post and maintain a surety bond in an amount prescribed by the Board by rule, and provides that the bond may be held in the name of the employing company. Under 4 CCR 725-3, the company-level bond is $200,000 when it covers 20 or more individual licensees and $100,000 when it covers fewer than 20.

You need this bond if you're

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A mortgage company bonding your originators under one company-held bond

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Employing 20 or more licensed MLOs — the $200,000 tier applies

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Stepping up from the $100,000 tier after your roster reached 20 licensees

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Renewing your company bond — it must stay on file for every covered licensee

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 →

FAQ

Common questions.

How much is the Colorado $200,000 mortgage company bond?The premium is $1,200 flat — set by our carrier's rate book for this bond, the same for every company at this tier. The $200,000 amount is set by Board rule, so there is no quote process, and the price you see is the checkout price.

Do I pay the $200,000?No. You pay $1,200. The $200,000 is the surety's maximum liability if a valid claim is made against the bond — not a deposit, and nobody holds your money.

We have fewer than 20 licensees — is there a cheaper tier?Yes. Companies covering fewer than 20 individual MLO licenses post a $100,000 bond instead — $600 flat. This $200,000 tier applies once your bond covers 20 or more licensees.

Is there a credit check?If a credit screen runs on this bond, it is a soft pull only — never a hard inquiry, and it never affects your score. The price stays $1,200 flat either way.

Who requires the bond, and where do I file it?The Board of Mortgage Loan Originators at the Colorado Division of Real Estate. The company-held bond satisfies C.R.S. 12-10-717 for every covered originator, and proof of coverage attaches to their license records.

Related bonds

Other Colorado bonds.

Bond your whole MLO roster today.

$1,200 flat, issued the moment you pay, soft pull only. Free until issued.

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CO mortgage company bonds.$1,200 flat.