KY mortgage loan company bonds.
$1,500 flat.
Kentucky licenses mortgage loan companies — lenders that make, purchase, sell, or service residential mortgages — through the Department of Financial Institutions under KRS Subtitle 286.8, and the license carries a $250,000 surety bond under KRS 286.8-060, filed through NMLS. Ours is $1,500 flat, the price you see is the checkout price, and the bond issues the moment you pay. Any credit screen is a soft pull only — it never affects your score.
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Three steps. One sitting.
Even at the $250,000 amount, this is one of the simplest filings in surety. Here's the entire process:
Apply online
Business details, an effective date, and a term. That is the entire application — no financials, and any credit screen is a soft pull that never shows as a hard inquiry.
Pay & e-sign
This bond is checkout-priced at $1,500 flat, so it issues the moment you pay — your executed bond and power of attorney generate on the spot.
File through NMLS
Kentucky mortgage loan company 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 lending under KRS Subtitle 286.8, administered by the Department of Financial Institutions through NMLS. A mortgage loan company — an entity that makes, purchases, sells, or services residential real estate loans — posts a $250,000 corporate surety bond under KRS 286.8-060 as a condition of the license, five times the broker requirement because the company handles the loans themselves.
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 servicing rules that protect Kentucky borrowers — and gives a consumer harmed in a 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
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.
Other Kentucky bonds.
Finish your mortgage company license today.
$1,500 flat, issued the moment you pay, soft pull only. Free until issued.