Kansas supervised loan license bonds.
From $1,000.
Kansas licenses supervised lenders, consumer lenders whose loans carry rates above the statutory threshold, through the Office of the State Bank Commissioner. K.S.A. 16a-2-302 requires a surety bond of at least $100,000, approved by the administrator. The premium is 1% of the bond amount.
Trusted by industry leaders
How much does a Kansas supervised loan license bond cost?
1% of the bond amount, from $1,000 at the $100,000 minimum. Enter your amount in the calculator for the exact price.
Three steps. One sitting.
The supervised loan 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 $25,000.
Pay & e-sign
This bond is rate-priced at 1% 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 supervised loans — consumer loans with annual percentage rates above the UCCC threshold — through the Office of the State Bank Commissioner's Division of Consumer and Mortgage Lending. K.S.A. 16a-2-302 makes a surety bond of at least $100,000, approved by the administrator, a condition of the supervised loan license, and Kansas receives it electronically through NMLS.
It's a three-party arrangement: you (the principal), the surety carrier, and the administrator (the obligee). The bond secures your compliance with the Uniform Consumer Credit Code — the rate, disclosure, and conduct rules that protect Kansas consumers who borrow from supervised lenders.
It is not insurance for you — if the surety pays a claim, you repay the surety. The statute requires the bond to remain in effect for two years after the license is surrendered, revoked, or expires, so plan for the tail when you wind a license down; while licensed, the bond must stay continuously on file, and we 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 1% of the bond amount, $100 minimum: the amount the obligee sets moves the price, not your business profile.
No credit check up to $25,000. 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) | K.S.A. 9-2211 | $100,000 or more | From $600 |
| Supervised Loan License Bond (NMLS) (this page) | 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 .
Get your supervised loan license bonded today.
1% of the bond amount, issued the moment you pay. No credit check up to $25,000, free until issued.