Kentucky high-volume MLO bonds.
$120 flat.
Kentucky registers mortgage loan originators through the Department of Financial Institutions under KRS 286.8-255, and every MLO must be covered by a surety bond. This is the $20,000 bond for originators whose annual Kentucky loan volume is $10 million or more. Ours is $120 flat.
Trusted by industry leaders
How much does a Kentucky high-volume MLO bond cost?
$120 at the $20,000 amount, the same for every applicant.
Three steps. One sitting.
MLO registration bonds are among the simplest filings in surety. Here's the entire process:
Apply online
Your details, an effective date, and a term. That is the application. No credit check.
Pay & e-sign
This bond is checkout-priced at $120 flat, so it issues the moment you pay — your executed bond and power of attorney generate on the spot.
File with the DFI
Your executed bond arrives by email, ready to attach to your NMLS record for the Kentucky Department of Financial Institutions. Wet-ink original mailed on request.
What it is and who needs it.
What the bond actually guarantees
Kentucky requires every individual who takes residential mortgage loan applications or negotiates loan terms for compensation to register as a mortgage loan originator with the Department of Financial Institutions under KRS 286.8-255 — and registration requires surety bond coverage for the originator's entire registration period.
The individual bond is tiered to production: $20,000 when your annual Kentucky loan volume reaches $10 million, versus $15,000 below it. It's a three-party arrangement between you (the principal), the surety, and the Commonwealth of Kentucky (the obligee), standing behind your compliance with the licensing, disclosure, and conduct rules of Subtitle 286.8 that protect Kentucky borrowers.
It is not insurance for you — if the surety pays a claim, you repay the surety. The bond cannot terminate without prior written notice to the DFI and must cover your entire registration period, so it has to stay 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 $20,000 bond amount. You then repay the surety: a surety bond is a guarantee of your performance, not insurance for you.
Renewal and term
The bond runs to September 17 whatever day you buy; the premium covers the period to that date.
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 with the DFI. Your executed bond arrives by email, ready to attach to your NMLS record for the Kentucky Department of Financial Institutions. Wet-ink original mailed on request.
What sets the price
The premium is fixed at $120 at the $20,000 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 — your 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) | 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) (this page) | KRS 286.8-255 | $20,000 | $120 |
Other Kentucky bonds.
Been told you need a different amount?
Price and requirements checked on the carrier’s application, . Page updated .
Finish your MLO registration today.
$120 flat, issued the moment you pay, no credit check. Free until issued.