KS mortgage company bonds.
0.6% rate. $100 minimum.
Kansas licenses mortgage companies through the Office of the State Bank Commissioner under the Kansas Mortgage Business Act. K.S.A. 9-2211 requires each applicant and licensee to file a surety bond of not less than $100,000, payable to the OSBC — submitted electronically through NMLS. The premium is 0.6% of the bond amount, $100 minimum, 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.
The mortgage company bond is a standard NMLS electronic surety bond. Here is the entire process:
Apply online
Business details, your bond amount, an effective date, and a term. Any credit screen is a soft pull that never shows as a hard inquiry.
Pay & e-sign
This bond is rate-priced at 0.6% of the bond amount ($100 minimum), so it issues the moment you pay — your executed bond and power of attorney generate on the spot.
File through NMLS
Kansas takes this bond as an electronic surety bond through NMLS. Your executed bond is delivered ready to associate with your license record, and we coordinate the ESB filing with the carrier.
What it is and who needs it.
What the bond actually guarantees
Kansas regulates mortgage companies under the Kansas Mortgage Business Act, administered by the Office of the State Bank Commissioner's Division of Consumer and Mortgage Lending. K.S.A. 9-2211 requires each applicant and licensee to file a surety bond of not less than $100,000 — or the amount the commissioner establishes by regulation, with a higher $125,000 tier for companies with larger Kansas loan volume — payable to the OSBC, in a form the commissioner accepts, and filed electronically through NMLS.
It's a three-party arrangement: you (the principal), the surety carrier, and the Office of the State Bank Commissioner (the obligee). The bond secures your compliance with the Kansas Mortgage Business Act — the licensing, conduct, and consumer-protection rules that govern mortgage business with Kansas borrowers.
It is not insurance for you — if the surety pays a claim, you repay the surety. The statute keeps the surety liable for conduct that occurred while the license was active for two years after the bond is cancelled, and the bond must stay continuously on file for the license to stay in good standing; 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 — business details, your bond amount, an effective date, and a term. That is the entire application.
Start the application →Common questions.
Other Kansas bonds.
Finish your NMLS license filing today.
0.6% of the bond amount, $100 minimum, issued the moment you pay. Soft pull only, free until issued.