LA mortgage loan originator bonds.
$150 flat.
Louisiana licenses mortgage loan originators through the Office of Financial Institutions via NMLS, and La. R.S. 6:1088 requires each licensed originator to be covered by a surety bond — your employer's, or your own $25,000 bond if no company bond covers you. Ours is $150 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.
Loan originator licensing 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 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 $150 flat, so it issues the moment you pay — your executed bond and power of attorney generate on the spot.
File through NMLS
Your executed bond arrives by email, ready to submit with your Louisiana mortgage loan originator license filing naming the Office of Financial Institutions. Wet-ink original mailed on request.
What it is and who needs it.
What the bond actually guarantees
Under Louisiana's Secure and Fair Enforcement of Mortgage Licensing Act of 2009, a licensed mortgage loan originator must be covered by a surety bond at all times their license is active. An originator employed by — or an exclusive agent of — a bonded mortgage lender, broker, or servicer can rely on the employer's bond; everyone else files their own $25,000 bond with the Office of Financial Institutions through NMLS.
It's a three-party arrangement: you (the principal), the surety carrier, and the Office of Financial Institutions (the obligee), with Louisiana borrowers as the protected parties. The bond stands behind your compliance with the residential mortgage lending laws — if a violation causes damage or loss, the harmed party can recover against the bond.
It is not insurance for you — if the surety pays a claim, you repay the surety. The bond must stay in force while your license is active (an inactive-status originator can let it rest until reactivating); 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 — your details, an effective date, and a term. That is the entire application.
Start the application →Common questions.
Other Louisiana bonds.
Finish your NMLS originator filing today.
$150 flat, issued the moment you pay, soft pull only. Free until issued.