CO mortgage loan originator bonds.
0.6% of the bond amount.
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, and any credit screen is a soft pull only — it never affects your score.
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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 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 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
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.
Other Colorado bonds.
Finish your Colorado MLO license today.
$150 at checkout — 0.6% of the $25,000 bond — issued the moment you pay. Free until issued.