Kansas mortgage company bonds.
From $600.
Kansas has no separate mortgage broker license. Arranging or negotiating mortgage loans for others is mortgage business under K.S.A. 9-2201, so a broker holds a mortgage company license and files this bond.
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. The premium is 0.6% of the bond amount.
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How much does a Kansas mortgage company bond cost?
0.6% of the bond amount, from $600 at the $100,000 minimum. Enter your amount in the calculator for the exact price.
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. No credit check up to $100,000.
Pay & e-sign
This bond is rate-priced at 0.6% of the bond amount, 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
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 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.
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 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 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 up to $100,000. Above that, the carrier may run a soft pull, which never affects your score.
Where a check runs, it decides approval; the rate is the same for everyone approved.
One application, issued instantly.
These are the actual issuing fields — business details, your bond amount, an effective date, and a term. That is the application.
Start the application →Common questions.
Kansas mortgage license bonds.
We write 3 mortgage license bonds in Kansas. 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 License Bond ($125,000, NMLS) | K.S.A. 9-2211 | $125,000 | $750 |
| Mortgage Company License Bond (NMLS) (this page) | K.S.A. 9-2211 | $100,000 or more | From $600 |
| Supervised Loan License Bond (NMLS) | K.S.A. 16a-2-302 | $100,000 or more | From $1,000 |
Other Kansas bonds.
Price and requirements checked on the carrier’s application, . Page updated .
Finish your NMLS license filing today.
0.6% of the bond amount, issued the moment you pay. No credit check up to $100,000, free until issued.