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Arkansas mortgage license surety bonds
Arkansas Mortgage License Bonds
Arkansas mortgage license applicants may need a surety bond for a Mortgage Banker License, Mortgage Broker License, Mortgage Servicer License, Combination Mortgage Broker Banker and/or Servicer License, or Mortgage Broker, Banker, and/or Servicer License. This page helps Arkansas businesses choose the correct mortgage license bond path before starting a quote.
Jet Insurance Company helps Arkansas mortgage brokers, bankers, servicers, and combination license applicants quote, purchase, renew, and file required electronic surety bonds through NMLS. Use the bond cards below to choose the Arkansas mortgage license bond that matches your application, NMLS record, or renewal.
Last updated: July 2026. Arkansas mortgage license bond requirements may change. Confirm the final license type, bond amount, bond form, filing method, renewal instructions, and NMLS requirements with the Arkansas Securities Department or NMLS before filing.
Arkansas Mortgage License Bond Quick Answers
Which bonds are covered?
This hub covers Mortgage Banker, Mortgage Broker, Mortgage Servicer, Combination Mortgage Broker Banker and/or Servicer, and Mortgage Broker, Banker, and/or Servicer bonds.
Who regulates these licenses?
The Arkansas Securities Department regulates Arkansas mortgage broker, banker, servicer, and combination mortgage licensing.
What are the bond limits?
Arkansas mortgage license bond limits are $100,000, $150,000, or $200,000, based on prior-year Arkansas residential mortgage activity.
How are bonds filed?
Arkansas requires mortgage broker, banker, and/or servicer surety bond requirements to be completed through the NMLS electronic surety bond process.
Choose Your Arkansas Mortgage License Bond
Select the Arkansas bond that matches the license application, NMLS record, renewal notice, or Arkansas Securities Department instructions you are working from. This hub is built to send applicants to the correct bond path quickly.
Arkansas Mortgage Banker Bond
Choose this bond if you are applying for or maintaining an Arkansas Mortgage Banker License.
Common limits: $100,000, $150,000, or $200,000 based on prior-year Arkansas residential mortgage loans accepted or originated.
Preferred pricing: Starts at $499 per year or $50 monthly for the $100,000 limit.
Arkansas Mortgage Broker Bond
Choose this bond if you are applying for or maintaining an Arkansas Mortgage Broker License.
Common limits: $100,000, $150,000, or $200,000 based on prior-year Arkansas residential mortgage loans accepted or originated.
Preferred pricing: Starts at $499 per year or $50 monthly for the $100,000 limit.
Arkansas Mortgage Servicer Bond
Choose this bond if you are applying for or maintaining an Arkansas Mortgage Servicer License.
Common limits: $100,000, $150,000, or $200,000 based on the aggregate amount of Arkansas residential mortgage loans held in the servicer's portfolio during the preceding calendar year.
Preferred pricing: Starts at $499 per year or $50 monthly for the $100,000 limit.
Arkansas Combination Mortgage Broker Banker and/or Servicer Bond
Choose this bond if you are applying for two or more Arkansas mortgage license authorities, such as broker, banker, and/or servicer authority, under the Arkansas combination license path.
Common limits: $100,000, $150,000, or $200,000 based on the applicable Arkansas activity calculation.
Preferred pricing: Starts at $499 per year or $50 monthly for the $100,000 limit.
Arkansas Mortgage Broker, Banker, and/or Servicer Bond
Choose this bond path if your bond or NMLS record describes the license as Mortgage Broker, Banker, and/or Servicer rather than listing one authority separately.
Common limits: $100,000, $150,000, or $200,000 based on prior-year Arkansas residential mortgage activity.
Preferred pricing: Starts at $499 per year or $50 monthly for the $100,000 limit.
Not sure which Arkansas mortgage bond you need? Match the bond to the exact license type shown in your NMLS record, Arkansas Securities Department checklist, or renewal notice. If you are applying for two or more authorities, the combination license path may apply.
Arkansas Mortgage License Bond Pricing
Jet offers direct pricing for Arkansas Mortgage License Bonds. Use the table below to compare the monthly, one-year, two-year, and three-year pricing options for each Arkansas mortgage license bond limit.
| Bond Limit | Common Arkansas Bond Types | Monthly | 1 Year | 2 Years | 3 Years |
|---|---|---|---|---|---|
| $100,000 | Mortgage Banker, Mortgage Broker, Mortgage Servicer, Combination License, or Broker/Banker/Servicer bond | $50 | $499 | $873 | $1,248 |
| $150,000 | Mortgage Banker, Mortgage Broker, Mortgage Servicer, Combination License, or Broker/Banker/Servicer bond | $75 | $749 | $1,310 | $1,871 |
| $200,000 | Mortgage Banker, Mortgage Broker, Mortgage Servicer, Combination License, or Broker/Banker/Servicer bond | $100 | $999 | $1,748 | $2,498 |
Pricing shown is preferred-tier pricing and may vary based on underwriting approval, license type, selected term, and final required bond amount.
Get Arkansas Mortgage License Bond Pricing
Start a quote online and select the Arkansas bond that matches your license. Jet can help confirm the correct limit, bond name, NMLS authority, and filing instructions before the bond is issued.
Questions? Call (855) 516-3348 or email [email protected].
Arkansas Mortgage License Bond Requirements
Arkansas mortgage license bond requirements depend on the license type and prior-year Arkansas residential mortgage activity. Arkansas rules require a $100,000 bond for a new mortgage broker, mortgage banker, or mortgage servicer applicant. Existing licensees use the activity tiers below unless the Arkansas Securities Department or NMLS checklist requires a different amount.
| Arkansas License Path | Bond Page | Common Bond Limits | Filing System | Quote |
|---|---|---|---|---|
| Mortgage Banker License | Arkansas Mortgage Banker Bond | $100,000, $150,000, or $200,000 | NMLS electronic surety bond | Get Mortgage Banker Quote |
| Mortgage Broker License | Arkansas Mortgage Broker Bond | $100,000, $150,000, or $200,000 | NMLS electronic surety bond | Get Mortgage Broker Quote |
| Mortgage Servicer License | Arkansas Mortgage Servicer Bond | $100,000, $150,000, or $200,000 | NMLS electronic surety bond | Get Mortgage Servicer Quote |
| Combination Mortgage Broker Banker and/or Servicer License | Combination Mortgage Broker Banker and/or Servicer Bond | $100,000, $150,000, or $200,000 | NMLS electronic surety bond | Get Combination Quote |
| Mortgage Broker, Banker, and/or Servicer License | Mortgage Broker, Banker, and/or Servicer Bond | $100,000, $150,000, or $200,000 | NMLS electronic surety bond | Get Broker Banker Servicer Quote |
NMLS authority: Arkansas requires mortgage broker, mortgage banker, and/or mortgage servicer surety bond requirements to be completed through the NMLS electronic surety bond process. Use Jet Insurance Company NAIC number 17858 when granting surety authority in NMLS.
Arkansas Mortgage Bond Limit Tiers
Arkansas uses different activity measurements depending on the license type. Mortgage broker and mortgage banker bond amounts are based on the aggregate amount of Arkansas residential mortgage loans accepted or originated, or both, during the preceding calendar year. Mortgage servicer bond amounts are based on the aggregate amount of Arkansas residential mortgage loans held in the servicer's portfolio during the preceding calendar year.
| Prior-Year Arkansas Activity | Required Bond Limit | Preferred Annual Price | Preferred Monthly Price |
|---|---|---|---|
| No more than $10,000,000 | $100,000 | $499 | $50 |
| More than $10,000,000 but not more than $25,000,000 | $150,000 | $749 | $75 |
| More than $25,000,000 | $200,000 | $999 | $100 |
Important: If an increase in surety bond amount is required, Arkansas rules require the bond to be increased by March 31. Do not guess the Arkansas bond amount. Use the amount shown in the Arkansas checklist, NMLS record, renewal notice, prior-year activity calculation, or written regulator instruction.
Arkansas Mortgage Banker Bond
The Arkansas Mortgage Banker Bond is for businesses applying for or maintaining an Arkansas Mortgage Banker License. Mortgage bankers should confirm the required bond amount using the Arkansas NMLS checklist, renewal notice, prior-year Arkansas residential mortgage loan activity, or Arkansas Securities Department instructions.
License Type
Arkansas Mortgage Banker License.
Activity Basis
Aggregate Arkansas residential mortgage loans accepted or originated, or both, during the preceding calendar year.
Pricing Range
Preferred pricing starts at $499 yearly or $50 monthly for the $100,000 bond limit.
Arkansas Mortgage Broker Bond
The Arkansas Mortgage Broker Bond is for businesses applying for or maintaining an Arkansas Mortgage Broker License. Mortgage brokers should confirm the required bond amount before filing because the bond limit may depend on prior-year Arkansas residential mortgage activity.
License Type
Arkansas Mortgage Broker License.
Activity Basis
Aggregate Arkansas residential mortgage loans accepted or originated, or both, during the preceding calendar year.
Pricing Range
Preferred pricing starts at $499 yearly or $50 monthly for the $100,000 bond limit.
Arkansas Mortgage Servicer Bond
The Arkansas Mortgage Servicer Bond is for businesses applying for or maintaining an Arkansas Mortgage Servicer License. Mortgage servicers should confirm the bond amount based on the aggregate amount of Arkansas residential mortgage loans held in the servicer's portfolio during the preceding calendar year.
License Type
Arkansas Mortgage Servicer License.
Activity Basis
Aggregate Arkansas residential mortgage loans held in the servicer's portfolio during the preceding calendar year.
Pricing Range
Preferred pricing starts at $499 yearly or $50 monthly for the $100,000 bond limit.
Arkansas Combination Mortgage Broker Banker and/or Servicer Bond
The Arkansas Combination Mortgage Broker Banker and/or Servicer Bond is for businesses applying for two or more Arkansas mortgage license authorities. Arkansas Securities Department guidance states that a person applying for two or more Mortgage Broker, Mortgage Banker, and/or Mortgage Servicer licenses should apply for the Combination of Mortgage Broker, Mortgage Banker and/or Mortgage Servicer License. The license requirements of each separate license type must be met.
License Type
Combination Mortgage Broker Banker and/or Servicer License.
Common Applicant
Companies needing multiple Arkansas mortgage authorities under one combination license path.
Pricing Range
Preferred pricing starts at $499 yearly or $50 monthly for the $100,000 bond limit.
Arkansas Mortgage Broker, Banker, and/or Servicer Bond
The Arkansas Mortgage Broker, Banker, and/or Servicer Bond path is for businesses whose NMLS record, bond requirement, or internal naming refers broadly to broker, banker, and/or servicer authority. For businesses applying for two or more of the individual mortgage authorities, Arkansas directs applicants to the combination license path.
License Type
Mortgage Broker, Banker, and/or Servicer License or combination mortgage authority.
Common Applicant
Companies that need one page to compare broker, banker, servicer, and combination bond requirements.
Pricing Range
Preferred pricing starts at $499 yearly or $50 monthly for the $100,000 bond limit.
How Arkansas Mortgage License Bond Quotes Work
1
Choose the Arkansas License
Select Mortgage Banker, Mortgage Broker, Mortgage Servicer, Combination Mortgage Broker Banker and/or Servicer, or Mortgage Broker, Banker, and/or Servicer based on your NMLS record or Arkansas Securities Department instructions.
2
Confirm the Bond Limit
Jet can help match the correct $100,000, $150,000, or $200,000 bond amount to the license type, prior-year Arkansas activity, renewal notice, or NMLS checklist.
3
Buy and File Through NMLS
After purchase and NMLS authority, Jet can help complete the Arkansas electronic surety bond process through NMLS.
Need an Arkansas Mortgage License Bond?
Start by choosing the Arkansas bond that matches your license. Jet can help with quote review, bond purchase, NMLS authority, and electronic surety bond filing support.
Preferred pricing starts at $499 per year or $50 monthly for qualified $100,000 Arkansas Mortgage License Bonds.
Questions? Call (855) 516-3348 or email [email protected].
How Are Arkansas Mortgage License Bonds Filed?
Arkansas mortgage broker, mortgage banker, mortgage servicer, and combination mortgage license applications are handled through NMLS. Arkansas requires applicants for mortgage broker, mortgage banker, and/or mortgage servicer licenses to meet all surety bond requirements by completing the electronic surety bond process through NMLS.
To allow Jet to complete the Arkansas NMLS electronic surety bond process, the licensee must grant surety authority to Jet Insurance Company in NMLS using NAIC number 17858. The business name, trade name or DBA, license type, NMLS ID, and bond amount should match the current Arkansas NMLS record and checklist.
Grant Jet Authority
Use Jet Insurance Company NAIC number 17858 when granting surety authority in NMLS for the Arkansas mortgage license bond.
Electronic Surety Bond Filing
Once the bond is purchased and authority is granted, Jet can help submit or manage the Arkansas electronic surety bond through NMLS.
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.
Arkansas Mortgage License Bond Renewals and Cancellations
Renewing Your Bond
Arkansas mortgage broker, mortgage banker, mortgage servicer, and mortgage loan officer renewals must be filed between November 1 and December 31 through NMLS. Keep your bond active through renewal to avoid licensing issues.
Increasing Your Bond
If Arkansas rules require a higher bond amount based on prior-year activity, the bond must be increased by March 31. Jet can help with the required NMLS bond update.
Replacing or Cancelling Your Bond
Do not replace or cancel a required Arkansas mortgage license bond until the license is surrendered, replaced, or no longer needs the bond. A gap can affect the license.
Five-year bond tail: Arkansas rules state that surety bonds under Arkansas Code § 23-39-505(f) must remain in effect for a minimum of five years after lapse or termination of coverage to satisfy possible claims for obligations during the bond term.
What Does an Arkansas Mortgage License Bond Cover?
Arkansas mortgage license bonds are financial guarantees tied to the licensed mortgage company complying with Arkansas mortgage law and licensing requirements. The bond secures the faithful performance of the principal's obligations for the conduct of the principal, officers, and employees under the Arkansas Fair Mortgage Lending Act.
If a valid bond claim is paid because the licensee violated applicable licensing law or failed to meet obligations covered by the bond, the bonded licensee is responsible for reimbursing the surety for the amount paid and related costs under the indemnity agreement.
Important: A surety bond protects the public and the licensing authority. It does not protect the licensee from its own losses, business disputes, or operating expenses.
How to Avoid Arkansas Mortgage License Bond Claims
- Use the exact legal name, trade name, DBA, and license type shown on the Arkansas application or NMLS record.
- Confirm whether the bond is for Mortgage Banker, Mortgage Broker, Mortgage Servicer, Combination Mortgage Broker Banker and/or Servicer, or Mortgage Broker, Banker, and/or Servicer licensing.
- Confirm the correct $100,000, $150,000, or $200,000 bond limit before purchase.
- Complete the Arkansas electronic surety bond process through NMLS.
- Increase the bond by March 31 if a higher amount is required based on prior-year activity.
- Maintain the required bond for the full period required by Arkansas.
- Do not conduct regulated Arkansas mortgage activity before the license is approved.
- Keep borrower, consumer, loan, payment, servicing, and disclosure records organized.
- Respond promptly to Arkansas Securities Department, 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
Arkansas Mortgage License Bonds FAQ
What are Arkansas Mortgage License Bonds?
Arkansas Mortgage License Bonds are surety bonds required for certain Arkansas mortgage company licenses. This hub covers Mortgage Banker, Mortgage Broker, Mortgage Servicer, Combination Mortgage Broker Banker and/or Servicer, and Mortgage Broker, Banker, and/or Servicer bond paths.
Which Arkansas mortgage license bond do I need?
Check the license name on your Arkansas application, NMLS record, or renewal notice. If the license says Mortgage Banker, Mortgage Broker, or Mortgage Servicer, choose that bond path. If you are applying for two or more authorities, use the combination license bond path.
What Arkansas mortgage license bond limit do I need?
New mortgage broker, mortgage banker, and mortgage servicer applicants post a $100,000 bond. Existing licensees use a $100,000, $150,000, or $200,000 bond based on prior-year Arkansas residential mortgage activity, unless the Arkansas checklist, NMLS record, or regulator instruction requires a different amount.
How are Arkansas mortgage bond limits calculated?
Mortgage broker and mortgage banker bond amounts are based on Arkansas residential mortgage loans accepted or originated, or both, during the preceding calendar year. Mortgage servicer bond amounts are based on Arkansas residential mortgage loans held in the servicer's portfolio during the preceding calendar year.
How much does an Arkansas Mortgage License Bond cost with Jet?
Preferred pricing starts at $499 per year or $50 monthly for a $100,000 bond. Preferred pricing for a $150,000 bond starts at $749 per year or $75 monthly, and preferred pricing for a $200,000 bond starts at $999 per year or $100 monthly.
Are multi-year Arkansas Mortgage License Bond terms available?
Yes. Preferred multi-year pricing includes $873 for two years and $1,248 for three years on $100,000 bonds, $1,310 for two years and $1,871 for three years on $150,000 bonds, and $1,748 for two years and $2,498 for three years on $200,000 bonds.
Who regulates Arkansas Mortgage License Bonds?
The Arkansas Securities Department regulates Arkansas Mortgage Banker, Mortgage Broker, Mortgage Servicer, and Combination Mortgage Broker Banker and/or Servicer licenses.
Are Arkansas Mortgage License Bonds filed through NMLS?
Yes. Arkansas requires applicants for mortgage broker, mortgage banker, and/or mortgage servicer licenses to complete the surety bond process through NMLS as an electronic surety bond.
What is Jet Insurance Company NAIC number for NMLS?
Jet Insurance Company NAIC number is 17858. Use this number when granting Jet authority as your surety company in NMLS.
When are Arkansas mortgage license renewals filed?
Arkansas mortgage broker, mortgage banker, mortgage servicer, and mortgage loan officer renewals are filed through NMLS between November 1 and December 31 of the calendar year.
Who should I contact for help with an Arkansas 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 Arkansas Mortgage License Bond Required for Your License
Start by choosing the Arkansas bond that matches your license application. Jet will help with quoting, bond purchase, renewal support, and NMLS electronic filing guidance.
Preferred pricing starts at $499 per year or $50 monthly.
Call: (855) 516-3348
Email: [email protected]