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Arizona mortgage license surety bonds
Arizona Mortgage License Bonds
Arizona mortgage license applicants may need a surety bond for a Commercial Mortgage Broker License, Commercial Mortgage Banker License, Mortgage Broker License, or Mortgage Banker License. This page helps Arizona businesses choose the correct mortgage license bond path before starting a quote.
Jet Insurance Company helps Arizona mortgage brokers and mortgage bankers quote, purchase, renew, and file required surety bonds. Use the bond cards below to choose the Arizona mortgage license bond that matches your application, NMLS record, or renewal.
Last updated: July 2026. Arizona mortgage license bond requirements may change. Confirm the final license type, bond amount, bond form, filing method, renewal instructions, and NMLS requirements with the Arizona Department of Insurance and Financial Institutions or NMLS before filing.
Arizona Mortgage License Bond Quick Answers
Which bonds are covered?
This hub covers Commercial Mortgage Broker, Commercial Mortgage Banker, Mortgage Broker, and Mortgage Banker bonds.
Who regulates these licenses?
The Arizona Department of Insurance and Financial Institutions, often called DIFI, regulates Arizona mortgage broker and banker licensing.
Are applications handled through NMLS?
Yes. DIFI states applicants for Mortgage Broker, Commercial Mortgage Broker, Mortgage Banker, and Commercial Mortgage Banker licenses submit applications through NMLS.
How do I get help?
Call (855) 516-3348 or email [email protected].
Choose Your Arizona Mortgage License Bond
Select the Arizona bond that matches the license application, NMLS record, renewal notice, or regulator instructions you are working from. This hub is built to send applicants to the correct bond path quickly.
Arizona Commercial Mortgage Broker Bond
Choose this bond if you broker only commercial mortgage loans and are applying for or maintaining an Arizona Commercial Mortgage Broker License.
Common limits: $10,000 if investors are limited solely to institutional investors; $15,000 if any noninstitutional investors are involved.
Preferred pricing: $79 per year or $8 monthly.
Arizona Commercial Mortgage Banker Bond
Choose this bond if you make or fund commercial mortgage loans and are applying for or maintaining an Arizona Commercial Mortgage Banker License.
Common limits: $25,000 if investors are limited solely to institutional investors; $100,000 if any other investors are involved.
Preferred pricing: $125 per year or $13 monthly for the $25,000 limit and $499 per year or $50 monthly for the $100,000 limit.
Arizona Mortgage Broker Bond
Choose this bond if you broker residential mortgage loans or hold an Arizona Mortgage Broker License. A person who brokers residential mortgage loans must obtain the Mortgage Broker License.
Common limits: $10,000 if investors are limited solely to institutional investors; $15,000 if any noninstitutional investors are involved.
Preferred pricing: $79 per year or $8 monthly.
Arizona Mortgage Banker Bond
Choose this bond if you make residential mortgage loans or maintain an Arizona Mortgage Banker License.
Common limits: $25,000 to $100,000 based on the statutory bond formula, with a $25,000 option for institutional-investor-only activity.
Preferred pricing: $125 per year or $13 monthly for the $25,000 limit. Larger limits are shown in the pricing table below.
Not sure which Arizona mortgage bond you need? Match the bond to the exact license type shown in NMLS, your DIFI instructions, or your renewal notice. Broker bonds and banker bonds use different bond limits and different Arizona statute sections.
Arizona Mortgage License Bond Pricing
Jet offers direct pricing for Arizona Mortgage License Bonds. Use the table below to compare the monthly, one-year, two-year, and three-year pricing options for each common Arizona mortgage license bond limit.
| Bond Limit | Common Arizona Bond Types | Monthly | 1 Year | 2 Years | 3 Years |
|---|---|---|---|---|---|
| $10,000 | Mortgage Broker or Commercial Mortgage Broker with investors limited solely to institutional investors | $8 | $79 | $138 | $198 |
| $15,000 | Mortgage Broker or Commercial Mortgage Broker with any noninstitutional investors involved | $8 | $79 | $138 | $198 |
| $25,000 | Mortgage Banker or Commercial Mortgage Banker institutional-investor-only limit | $13 | $125 | $219 | $313 |
| $50,000 | Mortgage Banker statutory bond calculation | $25 | $249 | $436 | $623 |
| $100,000 | Mortgage Banker maximum limit or Commercial Mortgage Banker with noninstitutional investors | $50 | $499 | $873 | $1,248 |
Pricing shown is preferred-tier pricing and may vary based on underwriting approval, license type, selected term, and final required bond amount.
Get Arizona Mortgage License Bond Pricing
Start a quote online and select the Arizona bond that matches your license. Jet can help confirm the correct limit, bond name, NMLS authority when applicable, and filing instructions before the bond is issued.
Questions? Call (855) 516-3348 or email [email protected].
Arizona Mortgage License Bond Requirements
Arizona bond requirements depend on whether the license is for a broker or banker, and whether investor funding is limited solely to institutional investors. Mortgage Banker bonds may also depend on total assets plus unpaid balances of loans serviced for others.
| Arizona License Path | Bond Page | Common Bond Limit | Application System | Quote |
|---|---|---|---|---|
| Commercial Mortgage Broker License | Arizona Commercial Mortgage Broker Bond | $10,000 or $15,000 | NMLS | Get Commercial Broker Quote |
| Commercial Mortgage Banker License | Arizona Commercial Mortgage Banker Bond | $25,000 or $100,000 | NMLS | Get Commercial Banker Quote |
| Mortgage Broker License | Arizona Mortgage Broker Bond | $10,000 or $15,000 | NMLS | Get Mortgage Broker Quote |
| Mortgage Banker License | Arizona Mortgage Banker Bond | $25,000 to $100,000 | NMLS | Get Mortgage Banker Quote |
NMLS authority: If an Arizona mortgage license bond must be handled as an electronic surety bond through NMLS, use Jet Insurance Company NAIC number 17858 when granting surety authority.
Arizona Mortgage Broker and Commercial Mortgage Broker Bond Limits
Arizona uses the same bond amount structure for Mortgage Broker and Commercial Mortgage Broker licenses. The bond amount is based on whether the licensee's investors are limited solely to institutional investors.
| Investor Type | Bond Limit | Preferred Pricing | Applies To |
|---|---|---|---|
| Investors limited solely to institutional investors | $10,000 | $79 per year or $8 monthly | Mortgage Broker and Commercial Mortgage Broker |
| Any noninstitutional investors involved | $15,000 | $79 per year or $8 monthly | Mortgage Broker and Commercial Mortgage Broker |
Arizona Mortgage Banker and Commercial Mortgage Banker Bond Limits
Arizona banker bond limits are different from broker bond limits. Commercial Mortgage Banker bonds are usually $25,000 or $100,000 based on investor type. Mortgage Banker bonds are calculated using total assets plus the unpaid balance of loans contracted to service for others as of the end of the licensee's fiscal year, with a separate $25,000 institutional-investor-only option.
| License or Base | Bond Limit | Preferred Pricing | How the Limit Is Determined |
|---|---|---|---|
| Commercial Mortgage Banker with investors limited solely to institutional investors | $25,000 | $125 per year or $13 monthly | Investor type |
| Commercial Mortgage Banker with any other investors | $100,000 | $499 per year or $50 monthly | Investor type |
| Mortgage Banker base not over $1,000,000 | $25,000 plus $5,000 for each $100,000 or fraction over $500,000 | Starts at $125 per year or $13 monthly | Total assets plus unpaid balance of loans serviced for others |
| Mortgage Banker base $1,000,001 to $10,000,000 | $50,000 plus $5,000 for each $1,800,000 or fraction over $1,000,000 | Starts at $249 per year or $25 monthly | Total assets plus unpaid balance of loans serviced for others |
| Mortgage Banker base $10,000,001 to $100,000,000 | $75,000 plus $5,000 for each $18,000,000 or fraction over $10,000,000 | Use $50,000 or $100,000 pricing depending on final required limit | Total assets plus unpaid balance of loans serviced for others |
| Mortgage Banker base $100,000,001 and over | $100,000 | $499 per year or $50 monthly | Total assets plus unpaid balance of loans serviced for others |
| Mortgage Banker with investors limited solely to institutional investors | $25,000 | $125 per year or $13 monthly | Institutional-investor-only exception |
Important: Do not guess the Arizona banker bond amount. Use the amount shown in the Arizona checklist, NMLS requirement, renewal notice, statutory calculation, or written regulator instruction. Jet can help review the bond amount before purchase.
Arizona Commercial Mortgage Broker Bond
The Arizona Commercial Mortgage Broker Bond is for businesses that broker only commercial mortgage loans and hold a Commercial Mortgage Broker License. Arizona law states that a person who brokers only commercial mortgage loans must obtain either a Mortgage Broker License or a Commercial Mortgage Broker License.
License Type
Arizona Commercial Mortgage Broker License.
Common Applicant
Companies that negotiate, arrange, or offer to negotiate commercial mortgage loans in Arizona.
Pricing Range
Preferred pricing is $79 yearly or $8 monthly for either the $10,000 or $15,000 bond limit. Multi-year terms are also available.
Arizona Commercial Mortgage Banker Bond
The Arizona Commercial Mortgage Banker Bond is for businesses that make or fund commercial mortgage loans and hold a Commercial Mortgage Banker License. The required bond amount is $25,000 for licensees whose investors are limited solely to institutional investors and $100,000 when any other investors are involved.
License Type
Arizona Commercial Mortgage Banker License.
Common Applicant
Companies making or funding commercial mortgage loans in Arizona.
Pricing Range
Preferred pricing is $125 yearly or $13 monthly for the $25,000 limit and $499 yearly or $50 monthly for the $100,000 limit.
Arizona Mortgage Broker Bond
The Arizona Mortgage Broker Bond is for businesses that broker residential mortgage loans and hold a Mortgage Broker License. Arizona law states that a person who brokers residential mortgage loans must obtain a Mortgage Broker License.
License Type
Arizona Mortgage Broker License.
Common Applicant
Companies that broker, negotiate, or arrange residential mortgage loans for Arizona borrowers.
Pricing Range
Preferred pricing is $79 yearly or $8 monthly for either the $10,000 or $15,000 bond limit. Multi-year terms are also available.
Arizona Mortgage Banker Bond
The Arizona Mortgage Banker Bond is for businesses that make mortgage banking loans and hold a Mortgage Banker License. The bond amount is calculated using the statutory base of total assets plus unpaid balances of loans contracted to service for others, with a maximum stated bond amount of $100,000.
License Type
Arizona Mortgage Banker License.
Common Applicant
Companies making residential mortgage loans or operating as mortgage bankers in Arizona.
Pricing Range
Preferred pricing starts at $125 yearly or $13 monthly for the $25,000 bond limit. $50,000 and $100,000 limits are listed in the pricing table above.
How Arizona Mortgage License Bond Quotes Work
1
Choose the Arizona License
Select Commercial Mortgage Broker, Commercial Mortgage Banker, Mortgage Broker, or Mortgage Banker based on your NMLS record or DIFI instructions.
2
Confirm the Bond Limit
Jet can help match the correct $10,000, $15,000, $25,000, $50,000, or $100,000 bond amount to the license type and investor or asset calculation.
3
Buy and Prepare for Filing
After purchase, Jet provides the bond and filing guidance. If the bond is handled through NMLS as an electronic surety bond, Jet can help with the NMLS bond filing process after authority is granted.
Need an Arizona Mortgage License Bond?
Start by choosing the Arizona bond that matches your license. Jet can help with quote review, bond purchase, NMLS authority when applicable, and filing guidance.
Preferred pricing starts at $79 per year or $8 monthly for qualified Arizona Mortgage Broker and Commercial Mortgage Broker bonds.
Questions? Call (855) 516-3348 or email [email protected].
How Are Arizona Mortgage License Bonds Filed?
Arizona Mortgage Broker, Commercial Mortgage Broker, Mortgage Banker, and Commercial Mortgage Banker license applications are submitted through NMLS. The required surety bond must be completed according to the current Arizona NMLS checklist and DIFI instructions for the exact license type.
Arizona statutes state that licensed mortgage brokers, commercial mortgage brokers, and mortgage bankers must deposit a bond with the deputy director before doing business. The statute establishes the bond requirement, while the current checklist or regulator instructions control the practical filing steps for the license application.
Depending on the current NMLS requirement for the license, the bond may need to be handled through NMLS as an electronic surety bond or submitted as an executed bond form with a power of attorney through the required NMLS filing workflow. Jet can help confirm the correct filing method before issuance.
NMLS Electronic Filing When Applicable
If the Arizona mortgage license bond is handled through NMLS electronic surety bond filing, the licensee must grant surety authority to Jet Insurance Company in NMLS using NAIC number 17858 before Jet can submit or manage the bond electronically.
Executed Bond Form When Required
If the Arizona mortgage license bond requires an executed bond form upload, Jet will provide the completed bond and power of attorney for submission according to the NMLS checklist or DIFI instructions.
Bond Changes
If the business name, trade name, address, ownership, NMLS record, license type, or bond amount changes, contact Jet before filing an updated bond or rider.
Arizona Mortgage License Bond Renewals and Cancellations
Renewing Your Bond
Arizona Mortgage Broker, Commercial Mortgage Broker, Mortgage Banker, and Commercial Mortgage Banker renewals are handled through the NMLS streamlined renewal process between November 1 and December 31.
Cancelling Your Bond
Do not cancel a required Arizona mortgage license bond until the license is surrendered, replaced, or no longer needs the bond. A cancellation without replacement can affect the license.
Replacing Your Bond
If changing surety companies, make sure the replacement bond is issued and accepted before the prior bond cancellation creates a gap.
What Does an Arizona Mortgage License Bond Cover?
Arizona mortgage license bonds are financial guarantees tied to the licensed broker or banker complying with Arizona mortgage law. Broker bonds are payable to any person injured by the wrongful act, default, fraud, or misrepresentation of the licensee or the licensee's employees, and to the state for the benefit of the injured person. Banker bond language provides similar protection for persons injured by wrongful acts, default, fraud, or misrepresentation.
Important: A surety bond is not insurance for the mortgage broker or banker. If Jet pays a valid claim, the bonded licensee is responsible for reimbursing Jet for the amount paid and related costs under the indemnity agreement.
How to Avoid Arizona Mortgage License Bond Claims
- Use the exact legal name, trade name, and license type shown on the Arizona application or NMLS record.
- Confirm whether the bond is for Mortgage Broker, Commercial Mortgage Broker, Mortgage Banker, or Commercial Mortgage Banker licensing.
- Confirm the correct bond limit before purchase.
- Confirm whether the current filing requires an NMLS electronic surety bond or an executed bond form with power of attorney.
- Maintain the required bond for the full period required by Arizona.
- Do not conduct regulated Arizona activity before the license is approved.
- Keep borrower, investor, consumer, loan, payment, and disclosure records organized.
- Use the license name and license number when advertising or soliciting mortgage business when required.
- Respond promptly to DIFI, NMLS, and consumer requests.
- Renew the license and bond on time.
- Contact Jet before replacing, cancelling, or changing the bond.
Want to Know More About Mortgage Bond Processes?
Popular Mortgage License Bond Guides
Arizona Mortgage License Bonds FAQ
What are Arizona Mortgage License Bonds?
Arizona Mortgage License Bonds are surety bonds required for certain Arizona mortgage broker and mortgage banker licenses. This hub covers Commercial Mortgage Broker, Commercial Mortgage Banker, Mortgage Broker, and Mortgage Banker bonds.
Which Arizona mortgage license bond do I need?
Check the license name on your Arizona application, NMLS record, or renewal notice. If the license says Mortgage Broker or Commercial Mortgage Broker, use the broker bond path. If the license says Mortgage Banker or Commercial Mortgage Banker, use the banker bond path.
What Arizona mortgage broker bond limit do I need?
Mortgage Broker and Commercial Mortgage Broker bonds are $10,000 when investors are limited solely to institutional investors and $15,000 when any noninstitutional investors are involved.
What Arizona mortgage banker bond limit do I need?
Commercial Mortgage Banker bonds are $25,000 when investors are limited solely to institutional investors and $100,000 when other investors are involved. Mortgage Banker bond limits are calculated using total assets plus unpaid balances of loans serviced for others, with a statutory maximum of $100,000.
How much does an Arizona Mortgage License Bond cost with Jet?
Preferred pricing starts at $79 per year or $8 monthly for $10,000 and $15,000 Arizona broker bonds. Preferred pricing for a $25,000 banker bond starts at $125 per year or $13 monthly. Preferred pricing for a $50,000 bond starts at $249 per year or $25 monthly, and preferred pricing for a $100,000 bond starts at $499 per year or $50 monthly.
Are multi-year Arizona Mortgage License Bond terms available?
Yes. Preferred multi-year pricing includes $138 for two years and $198 for three years on $10,000 and $15,000 bonds, $219 for two years and $313 for three years on $25,000 bonds, $436 for two years and $623 for three years on $50,000 bonds, and $873 for two years and $1,248 for three years on $100,000 bonds.
Who regulates Arizona Mortgage License Bonds?
The Arizona Department of Insurance and Financial Institutions regulates Arizona Mortgage Broker, Commercial Mortgage Broker, Mortgage Banker, and Commercial Mortgage Banker licenses.
Are Arizona Mortgage License Bonds filed through NMLS?
Arizona DIFI states that applicants for Mortgage Broker, Commercial Mortgage Broker, Mortgage Banker, and Commercial Mortgage Banker licenses submit applications through NMLS. The surety bond filing procedure should be confirmed from the current Arizona NMLS checklist or DIFI instructions for the exact license. If the bond is an electronic surety bond filing, Jet can help after NMLS authority is granted.
What if Arizona requires an executed bond form instead of ESB?
If the current Arizona filing instructions require an executed bond form and power of attorney, Jet will provide the completed bond documents for submission according to the NMLS checklist or DIFI instructions.
What is Jet Insurance Company NAIC number for NMLS?
Jet Insurance Company NAIC number is 17858. Use this number if the current NMLS filing procedure requires you to grant Jet authority as your surety company.
When do Arizona mortgage license renewals occur?
Arizona Mortgage Broker, Commercial Mortgage Broker, Mortgage Banker, and Commercial Mortgage Banker licensees participate in the NMLS streamlined renewal process between November 1 and December 31.
Who should I contact for help with an Arizona mortgage license bond?
Call Jet at (855) 516-3348 or email [email protected] for help with quoting, bond selection, NMLS filing, renewals, replacements, or bond changes.
Get the Arizona Mortgage License Bond Required for Your License
Start by choosing the Arizona bond that matches your license application. Jet will help with quoting, bond purchase, renewal support, and filing guidance when applicable.
Preferred pricing starts at $79 per year or $8 monthly.
Call: (855) 516-3348
Email: [email protected]