UT mortgage loan originator bonds.
From $100. Enter your amount.

To hold a loan originator license with the Utah Department of Financial Institutions, an individual must be covered by a surety bond. Utah Code § 70D-3-205 requires it, and Utah Admin. Code R343-5-2 sizes it to the loans you personally originated last calendar year: $12,500, $25,000, or $50,000. The premium is 0.6% of the bond amount, $100 minimum, your exact price appears at the application, and the bond issues the moment you pay. The credit consent on this application authorizes a soft inquiry only — it never affects your score.

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Required to be licensed under the Financial Institution Loan Originator Licensing Act — Utah Code § 70D-3-205

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Amount set by prior-year origination volume — $12,500 up to $5M, $25,000 to $15M, $50,000 above that

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0.6% of the bond amount, $100 minimum — exact price at the application, issued the moment you pay

0.6% rate$100 minimumExactprice at the applicationInstantissuance at checkout

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How it works

Apply to filed in one sitting.

There is no quote round-trip on the originator bond — enter your tier, pay, and attach the bond to your NMLS filing:

TODAY · ONLINE

Apply online

Your details, your Utah place of business and county, the bond amount your volume tier calls for, an effective date, and a term.

INSTANTLY

Pay & e-sign

The bond issues the moment you pay — executed bond and power of attorney on the spot. The credit consent on this application authorizes a soft inquiry that never affects your score.

SAME DAY

File through NMLS

Your executed bond arrives by email, ready to attach to your filing with the Department of Financial Institutions. Wet-ink original mailed on request.

About this bond

What it is and who needs it.

What the originator bond actually guarantees

Utah regulates mortgage financing by depository institutions and their subsidiaries through the Department of Financial Institutions under Title 70D, the Financial Institution Mortgage Financing Regulation Act. Chapter 3 of that title — the Financial Institution Loan Originator Licensing Act — conditions an individual originator license on a surety bond.

Section 70D-3-205 requires a licensee to be covered by a bond meeting the minimum bonding requirements set by rule, and the department wrote those minimums into R343-5-2. The bond is sized to annual origination volume — the sum of the loans you originated, arranged, booked, brokered, funded, made, or otherwise counted in your personal production during the prior calendar year. Up to $5 million takes a $12,500 bond; $5 to $15 million takes $25,000; over $15 million takes $50,000.

The bond reimburses the state for expenses it incurs in an administrative or judicial proceeding against a current or former licensee relating to Utah mortgage lending activity. It is not insurance for you — if the surety pays, you repay the surety. A business entity may instead post an entity bond covering the originators who work exclusively for it; we write that form too.

Utah Code § 70D-3-205 · Utah Admin. Code R343-5-2Section 70D-3-205 provides that to be licensed under the Financial Institution Loan Originator Licensing Act, an individual shall be covered by a surety bond that meets the minimum surety bonding requirements required by rule. Utah Admin. Code R343-5-2 sets those minimums against annual origination volume — the loans the individual originated, arranged, booked, brokered, funded, made, or otherwise included in the individual's personal loan production volume during the prior calendar year: up to $5 million requires $12,500; $5 to $15 million requires $25,000; over $15 million requires $50,000. The bond reimburses the state for expenses it may incur in connection with an administrative or judicial proceeding against a current or former licensee relating to mortgage lending activity in Utah. Confirm your tier with the department before you file.

You need this bond if you're

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Applying for a Utah loan originator license with the Department of Financial Institutions

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Renewing your license — the bond has to stay in force for the whole license period

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Moving up a volume tier — last calendar year can push you from $12,500 to $25,000 or $50,000

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Not covered by an entity bond — originators whose employer has not posted the R343-5-3 business entity bond

One application, issued instantly.

These are the actual issuing fields — your details, your Utah place of business and county, the bond amount, and a term.

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FAQ

Common questions.

How much is the Utah mortgage loan originator bond?The premium is 0.6% of the bond amount, $100 minimum. The bond amount comes from R343-5-2 — $12,500, $25,000, or $50,000, depending on your prior-year origination volume. Your exact price appears at the application, before you pay.

Which bond amount applies to me?It follows your annual origination volume for the prior calendar year: up to $5 million requires a $12,500 bond, $5 to $15 million requires $25,000, and over $15 million requires $50,000.

My employer says it covers me — do I still need my own?Not if the entity actually posted the bond. R343-5-3 lets a business entity bond the originators who work exclusively for it, at $25,000, $50,000, or $100,000 by entity volume. If your employer has not filed that bond, you file your own.

Is there a credit check?This application carries a credit consent, and the pull is a soft inquiry — never a hard inquiry, and it never affects your score. The rate stays 0.6% of the bond amount, $100 minimum, either way.

Where do I file it?With the Utah Department of Financial Institutions, through NMLS. Your executed bond and power of attorney arrive by email ready to upload, and the department may also ask for the original by mail.

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Get your Utah originator bond filed today.

0.6% of the bond amount, $100 minimum, issued the moment you pay. Free until issued.

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