Utah mortgage loan originator bonds.
From $100.
To hold a loan originator license with the Utah Department of Financial Institutions, an individual must be covered by a surety bond under Utah Code § 70D-3-205. The bond is sized 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.
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How much does a Utah mortgage loan originator bond cost?
0.6% of the bond amount, from $100. Enter your amount in the calculator for the exact price.
Three steps. One sitting.
There is no quote round-trip on the originator bond — enter your tier, pay, and attach the bond to your NMLS filing:
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.
Pay & e-sign
The bond issues the moment you pay — executed bond and power of attorney on the spot. No credit check up to $50,000.
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.
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.
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 bond amount. You then repay the surety: a surety bond is a guarantee of your performance, not insurance for you.
Renewal and term
The premium covers a one-year term from the effective date you choose; a longer term is the same price per year, chosen at checkout.
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 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.
What sets the price
The premium is 0.6% of the bond amount, $100 minimum: the amount the obligee sets moves the price, not your business profile.
No credit check up to $50,000. Above that, the carrier may run a soft pull, which never affects your score.
Where a check runs, it decides approval; the rate is the same for everyone approved.
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.
Start the application →Common questions.
Utah mortgage license bonds.
We write 2 mortgage license bonds in Utah. Each license has its own bond, amount and price; pick the one your license calls for.
| License bond | Required by | Bond amount | Price |
|---|---|---|---|
| Mortgage Loan Originator Bond (Business Entity) | Utah Admin. Code R343-5-3 (under Utah Code § 70D-3-205) | Varies | From $100 |
| Mortgage Loan Originator Bond (Individual) (this page) | Utah Code § 70D-3-205 · Utah Admin. Code R343-5-2 | Varies | From $100 |
Other Utah bonds.
The same bond in nearby states.
Price and requirements checked on the carrier’s application, . Page updated .
Get your Utah originator bond filed today.
0.6% of the bond amount, $100 minimum, issued the moment you pay. Free until issued.