Colorado mortgage loan originator bonds.
$150.
Looking for the Colorado mortgage company bond?
Colorado requires every licensed mortgage loan originator to post and maintain a surety bond under C.R.S. 12-10-717 — for an individual MLO, the Board of Mortgage Loan Originators sets it at $25,000 by rule. At 0.6% of the bond amount, that prices at $150, the bond issues the moment you pay.
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How much does a Colorado mortgage loan originator bond cost?
$150 for the $25,000 bond: 0.6% of the bond amount.
Three steps. One sitting.
MLO license bonds are among the simplest filings in surety. Here's the entire process:
Apply online
Your details, an effective date, and a term. That is the application. No credit check.
Pay & e-sign
This bond is checkout-priced at 0.6% of the $25,000 amount — $150 — 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 Colorado MLO license filing at the Division of Real Estate. Wet-ink original mailed on request.
What it is and who needs it.
What the bond actually guarantees
Colorado licenses mortgage loan originators through the Board of Mortgage Loan Originators at the Division of Real Estate. C.R.S. 12-10-717 requires each applicant to post a surety bond in an amount the Board prescribes by rule before receiving a license, and to maintain it at all times — for an individual MLO, the Board's rules (4 CCR 725-3) set the amount at $25,000.
It's a three-party arrangement: you (the principal), the surety carrier, and the State of Colorado (the obligee). The bond stands behind your compliance with Colorado's mortgage-origination laws — the disclosure, conduct, and fiduciary duties that protect borrowers. A lapsed bond puts the license itself at risk.
It is not insurance for you — if the surety pays a claim, you repay the surety. The statute also lets the bond be held in the name of the company that employs you; if your employer maintains a qualifying company bond, you may be covered under it instead. 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 $25,000 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 Colorado MLO license filing at the Division of Real Estate. Wet-ink original mailed on request.
What sets the price
The premium is 0.6% of the bond amount, $100 minimum: the amount the obligee sets moves the price, not your business profile.
No credit check.
One application, issued instantly.
These are the actual issuing fields — your 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) | 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) (this page) | C.R.S. 12-10-717 | $25,000 | $150 |
Other Colorado bonds.
The same bond in nearby states.
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Price and requirements checked on the carrier’s application, . Page updated .
Finish your Colorado MLO license today.
$150 at checkout — 0.6% of the $25,000 bond — issued the moment you pay. Free until issued.