MO mortgage company bonds.
From $100. Enter your amount.
Missouri requires a residential mortgage loan broker — the license that covers mortgage companies, lenders, and servicers — to deliver a surety bond to the Division of Finance before a license is issued or renewed, under RSMo 443.849. The director sets your penal sum based on loan volume; the premium is 0.6% of the bond amount, $100 minimum, and your exact price appears at the application. Any credit screen is a soft pull only — it never affects your score.
Trusted by industry leaders
Apply to filed in one sitting.
No quote queue — enter your amount, pay, and upload to NMLS. Here is the whole thing:
Apply online
Business details, the bond amount your license requires, and an effective date. That is the entire application — any credit screen is a soft pull that never shows as a hard inquiry.
Pay & e-sign
Pricing is 0.6% of the bond amount with a $100 minimum, computed before you pay — the bond issues the moment you pay, with the executed bond and power of attorney generated on the spot.
File through NMLS
Missouri accepts electronic surety bonds through NMLS — deliver the bond to satisfy RSMo 443.849 with your company license. Wet-ink original mailed on request.
What it is and who needs it.
What the bond actually guarantees
Missouri licenses mortgage companies as residential mortgage loan brokers under sections 443.701–443.893 RSMo, administered by the Division of Finance through NMLS. RSMo 443.849 requires each licensee to deliver a surety bond to the director before the license is issued or renewed — and to maintain a penal sum that reflects the dollar amount of loans it originates, as determined by the director.
The bond secures the faithful performance of the licensee and its employees and agents — including its mortgage loan originators — in originating, servicing, and acquiring residential mortgage loans. It exists for the protection of borrowers: the director may make a claim on the bond on behalf of any borrower injured by a licensee’s violation of the mortgage licensing law.
It is not insurance for you — if the surety pays a claim, you repay the surety. The bond must stay in force for the license to renew; 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, your bond amount, and an effective date. That is the entire application.
Start the application →Common questions.
Other Missouri bonds.
Mortgage license bond, issued today.
0.6% of the bond amount, $100 minimum, issued the moment you pay. Free until issued.