Kentucky mortgage broker bonds.
$300 flat.
Looking for the Kentucky mortgage loan originator bond?
Kentucky licenses mortgage loan brokers through the Department of Financial Institutions under KRS Subtitle 286.8, and the license application carries a $50,000 surety bond under KRS 286.8-060, filed through NMLS. Ours is $300 flat, the price you see is the checkout price. No credit check.
Trusted by industry leaders
How much does a Kentucky mortgage broker bond cost?
$300 at the $50,000 amount, the same for every applicant.
Three steps. One sitting.
Mortgage broker license bonds are among the simplest filings in surety. Here's the entire process:
Apply online
Business details, an effective date, and a term. That is the application. No credit check.
Pay & e-sign
This bond is checkout-priced at $300 flat, so it issues the moment you pay — your executed bond and power of attorney generate on the spot.
File through NMLS
Kentucky mortgage broker bonds are filed through NMLS for the DFI's review. Your executed bond arrives by email, ready to attach to your license record — wet-ink original mailed on request.
What it is and who needs it.
What the bond actually guarantees
Kentucky regulates mortgage loan companies and mortgage loan brokers under KRS Subtitle 286.8, administered by the Department of Financial Institutions through NMLS. A mortgage loan broker — a person compensated for serving as an agent in arranging residential mortgage loans — posts a $50,000 corporate surety bond under KRS 286.8-060 as a condition of the license.
It's a three-party arrangement: you (the principal), the surety carrier, and the Commonwealth of Kentucky (the obligee). The bond stands behind your compliance with Subtitle 286.8 — the licensing, disclosure, and conduct rules that protect Kentucky borrowers — and gives a consumer harmed in a brokered loan transaction a source of recovery up to the bond amount.
It is not insurance for you — if the surety pays a claim, you repay the surety. The bond must stay on file for the life of the license and cannot lapse without notice to the DFI, so it has to remain continuously in force; 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 $50,000 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 through NMLS. Kentucky mortgage broker bonds are filed through NMLS for the DFI's review. Your executed bond arrives by email, ready to attach to your license record — wet-ink original mailed on request.
What sets the price
The premium is fixed at $300 at the $50,000 amount for every applicant: the carrier’s rate book prices this bond by the form, not by your credit or your business profile.
No credit check.
One application, issued instantly.
These are the actual issuing fields — business details, an effective date, and a term. That is the entire application.
Start the application →Common questions.
Kentucky mortgage license bonds.
We write 4 mortgage license bonds in Kentucky. Each license has its own bond, amount and price; pick the one your license calls for.
| License bond | Required by | Bond amount | Price |
|---|---|---|---|
| Mortgage Broker Bond ($50,000) (this page) | KRS 286.8-060 | $50,000 | $300 |
| Mortgage Loan Company Bond ($250,000) | KRS 286.8-060 | $250,000 | $1,500 |
| Mortgage Loan Originator Bond ($15,000) | KRS 286.8-255 | $15,000 | $100 |
| Mortgage Loan Originator Bond ($20,000) | KRS 286.8-255 | $20,000 | $120 |
Other Kentucky bonds.
The same bond in nearby states.
Been told you need a different amount?
Price and requirements checked on the carrier’s application, . Page updated .
Finish your mortgage broker license today.
$300 flat, issued the moment you pay, no credit check. Free until issued.