Colorado mortgage loan originator surety bonds

Colorado Mortgage Loan Originator Bonds

Colorado active mortgage loan originators must maintain surety bond coverage as part of the licensing requirements. Jet Insurance Company provides Colorado Mortgage Loan Originator Bonds for individual MLO coverage, group coverage for less than 20 licensees, and group coverage for 20 or more licensees.

Use this page to choose the correct Colorado MLO bond, compare bond limits, view Jet pricing, and get help with renewals, replacements, bond changes, and filing guidance.

Get a Colorado MLO Bond Quote View Pricing Choose My Bond

Need help? Call (855) 516-3348 or email [email protected].

Last updated: July 2026. Colorado mortgage loan originator bond requirements may change. Confirm the final bond amount, coverage type, filing method, and license requirements with the Colorado Division of Real Estate before filing.

Colorado Mortgage Loan Originator Bond Quick Answers

Which bonds are covered?

This page covers the Colorado Mortgage Loan Originator Bond, the Mortgage Loan Originator Bond for less than 20 licenses, and the Mortgage Loan Originator Bond for 20 or more licenses.

Who regulates Colorado MLOs?

Colorado mortgage loan originators are regulated by the Colorado Division of Real Estate.

What are the bond limits?

Colorado MLO surety bond coverage is commonly $25,000 for an individual policy, $100,000 for a group with less than 20 licensees, and $200,000 for a group with 20 or more licensees.

How do I get help?

Call (855) 516-3348 or email [email protected].

Choose Your Colorado Mortgage Loan Originator Bond

Colorado mortgage loan originator bond coverage depends on whether the bond covers one individual licensee or a group of licensees. Select the bond that matches the coverage type required for the MLO or company group policy.

Mortgage Loan Originator

Choose this option when one Colorado mortgage loan originator license is covered by an individual surety bond policy.

Bond limit: $25,000

Jet pricing: $95 for one year, $10 monthly, $166 for two years, or $238 for three years.

Get Individual MLO Quote

Mortgage Loan Originator Less than 20 Licenses

Choose this group bond when the company bond covers more than one Colorado MLO but less than 20 mortgage loan originator licenses.

Bond limit: $100,000

Jet pricing: $499 for one year, $50 monthly, $873 for two years, or $1,248 for three years.

Get Less than 20 Licenses Quote

Mortgage Loan Originator 20 or More Licenses

Choose this group bond when the company bond covers 20 or more Colorado mortgage loan originator licenses.

Bond limit: $200,000

Jet pricing: $999 for one year, $100 monthly, $1,748 for two years, or $2,498 for three years.

Get 20 or More Licenses Quote

Important: Colorado active mortgage loan originators must maintain both surety bond coverage and errors and omissions insurance. These are separate requirements. A surety bond is not E&O insurance, and E&O insurance is not a surety bond.

Colorado Mortgage Loan Originator Bond Pricing

Jet offers monthly, one-year, two-year, and three-year pricing options for Colorado Mortgage Loan Originator Bonds. The $25,000 individual MLO bond uses Jet preferred pricing. The $100,000 and $200,000 group bonds are priced at 0.5% of the bond limit for the one-year term, with the annual price reduced by $1 when the calculated annual price ends in zero.

Colorado Bond Type Licensees Covered Bond Limit Monthly 1 Year 2 Years 3 Years
Mortgage Loan Originator Individual policy $25,000 $10 $95 $166 $238
Mortgage Loan Originator Less than 20 Licenses Group with less than 20 licensees $100,000 $50 $499 $873 $1,248
Mortgage Loan Originator 20 or More Licenses Group with 20 or more licensees $200,000 $100 $999 $1,748 $2,498

Pricing shown is preferred-tier pricing and may vary based on underwriting approval, bond form, selected term, effective date, and final license requirements.

Get Colorado MLO Bond Pricing

Start a quote online and select the Colorado MLO bond that matches your coverage type. Jet can help confirm the correct bond amount and provide filing guidance after purchase.

Questions? Call (855) 516-3348 or email [email protected].

Get My Colorado MLO Bond Quote

Colorado Mortgage Loan Originator Bond Requirements

Colorado active mortgage loan originators must maintain errors and omissions insurance and surety bond coverage. The required surety bond amount depends on whether coverage is written as an individual policy or a group policy.

Coverage Type Required Bond Limit Who It Fits Quote
Individual policy $25,000 One Colorado mortgage loan originator license Get Quote
Group policy for less than 20 licensees $100,000 A company group bond covering fewer than 20 Colorado MLO licenses Get Quote
Group policy for 20 or more licensees $200,000 A company group bond covering 20 or more Colorado MLO licenses Get Quote

Coverage note: If a Colorado MLO is covered by a company group policy, the group bond amount should match the number of Colorado mortgage loan originator licenses covered by that policy.

Colorado MLO Surety Bond and E&O Insurance

Colorado requires active mortgage loan originators to maintain both surety bond coverage and errors and omissions insurance. The two requirements serve different purposes.

Surety Bond

The Colorado MLO surety bond is a licensing guarantee that protects the public and the regulator if covered violations occur.

Errors and Omissions Insurance

E&O insurance is professional liability coverage that responds according to the insurance policy terms. It is not the same as a surety bond.

How Colorado MLO Bond Quotes Work

1

Choose the Coverage Type

Select the individual $25,000 MLO bond, the $100,000 group bond for less than 20 licensees, or the $200,000 group bond for 20 or more licensees.

2

Enter License Details

The bond should match the legal name, license information, NMLS record, and Colorado coverage requirement.

3

Buy and File

After purchase, Jet provides the bond document or filing guidance based on the Colorado requirement and current licensing process.

Start My Colorado MLO Bond Quote

Need a Colorado Mortgage Loan Originator Bond?

Jet can help you choose the correct individual or group Colorado MLO bond, review pricing, and get the bond issued for licensing.

Individual Colorado Mortgage Loan Originator Bond pricing starts at $95 for one year or $10 monthly.

Questions? Call (855) 516-3348 or email [email protected].

Get My Colorado MLO Bond Quote

How Are Colorado Mortgage Loan Originator Bonds Filed?

Colorado mortgage loan originators are licensed through the Colorado Division of Real Estate. The Division requires active MLOs to maintain continuous surety bond coverage and required license information.

The exact filing or proof-of-coverage process can depend on whether the bond is individual coverage or employer group coverage. Jet can help confirm whether the bond document, proof of coverage, or other filing step is needed for your situation.

Individual MLO Bond

The $25,000 individual bond should be issued in the name required for the Colorado mortgage loan originator coverage.

Group Coverage

The $100,000 or $200,000 group bond should match the company coverage structure and number of Colorado MLO licensees covered.

Bond Changes

Contact Jet before making changes if the legal name, company name, NMLS record, number of covered licensees, or bond amount changes.

Colorado MLO Bond Renewals, Changes, and Cancellations

Renewing Your Bond

Keep the Colorado MLO bond active for as long as coverage is required. Review the coverage type before renewal to confirm the bond amount is still correct.

Email Jet for Renewal Help

Changing the Bond Limit

A company group bond may need to move from $100,000 to $200,000 if the number of covered Colorado MLO licensees reaches 20 or more.

Email Jet for Limit Change Help

Cancelling or Replacing Your Bond

Do not cancel a required Colorado MLO bond until replacement coverage is accepted or the bond is no longer required. A coverage gap can create license issues.

Email Jet for Cancellation Help

What Does a Colorado Mortgage Loan Originator Bond Cover?

A Colorado Mortgage Loan Originator Bond is designed to protect the public and the state regulator, not the mortgage loan originator or mortgage company. If a covered violation of Colorado mortgage loan originator licensing law causes harm, a consumer or regulator may seek payment from the bond.

A surety bond is not insurance for the bonded party. If Jet pays a valid claim, the bonded principal is responsible for reimbursing Jet for the amount paid and related costs under the indemnity agreement.

Read the Mortgage License Bond Claims Guide

How to Avoid Colorado Mortgage Loan Originator Bond Claims

  • Maintain continuous surety bond coverage for the correct Colorado bond amount.
  • Maintain required errors and omissions insurance coverage.
  • Confirm whether the MLO is covered by an individual policy or employer group policy.
  • Update the bond if the group grows from less than 20 licensees to 20 or more licensees.
  • Keep legal name, company name, license, and NMLS information current.
  • Do not advertise or represent loan terms in a misleading way.
  • Do not charge unauthorized fees.
  • Maintain complete transaction records and consumer communication records.
  • Respond quickly to Colorado Division of Real Estate requests.
  • Contact Jet before cancelling, replacing, or changing the bond.

Read the Mortgage License Bond Claims Guide

Want to Know More About Mortgage Bond Processes?

Mortgage License Bonds Guide

Review mortgage broker, lender, servicer, MLO, finance lender, and finance broker bond information.

Read the Guide

Bond Claim Process

Find out what causes a mortgage license bond claim and what happens after a claim is made.

Read the Claims Guide

NMLS Electronic Surety Bond Filing

Learn how electronic surety bond execution works through NMLS for eligible company license bonds.

Read the Filing Guide

Colorado Mortgage Loan Originator Bond FAQ

What Colorado Mortgage Loan Originator Bonds are covered on this page?

This page covers the individual Colorado Mortgage Loan Originator Bond, the group Mortgage Loan Originator Bond for less than 20 licenses, and the group Mortgage Loan Originator Bond for 20 or more licenses.

What is the Colorado individual MLO bond amount?

The minimum Colorado individual Mortgage Loan Originator Bond amount is $25,000.

What is the Colorado MLO group bond amount for less than 20 licensees?

The minimum Colorado group surety bond amount for less than 20 licensees is $100,000.

What is the Colorado MLO group bond amount for 20 or more licensees?

The minimum Colorado group surety bond amount for 20 or more licensees is $200,000.

How much does the Colorado individual Mortgage Loan Originator Bond cost?

Jet pricing for the $25,000 individual Colorado Mortgage Loan Originator Bond is $95 for one year, $10 monthly, $166 for two years, or $238 for three years.

How much does the Colorado MLO group bond cost?

Jet pricing for the $100,000 group bond is $499 for one year, $50 monthly, $873 for two years, or $1,248 for three years. Jet pricing for the $200,000 group bond is $999 for one year, $100 monthly, $1,748 for two years, or $2,498 for three years.

Does Colorado require E&O insurance in addition to the surety bond?

Yes. Colorado active mortgage loan originators must maintain errors and omissions insurance as well as surety bond coverage.

Who should I contact for Colorado MLO bond help?

Call Jet at (855) 516-3348, email [email protected], or start a quote online for help choosing, purchasing, renewing, replacing, or changing a Colorado Mortgage Loan Originator Bond.

Get the Colorado Mortgage Loan Originator Bond Required for Your License

Start by choosing the Colorado MLO bond that matches your individual or group coverage requirement. Jet will help with quoting, bond purchase, renewal support, and filing guidance when applicable.

Individual Colorado Mortgage Loan Originator Bond pricing starts at $95 for one year or $10 monthly.

Call: (855) 516-3348
Email: [email protected]

Get My Colorado MLO Bond Quote

Notary Bond Application:

X

Business Information:

Indemnity Agreement:

I, the undersigned, hereby apply for a Dishonesty Bond also known as a Business Service Bond or Janitorial Service Bond (“bond”) to the Surety Company (“SURETY”) through Jet Insurance Company (“JET”), with whom I hereby grant the authority to act on my behalf with respect to the bond and assign as my Broker of Record, and declare that the statements herein are true and correct. In consideration of the SURETY issuing, renewing or substituting said bond(s), I, individually and as the owner or officer of the bonded entity, hereby understand and agree, as follows: (i) to reimburse, hold harmless, and indemnify SURETY upon demand for all loss, liability, claim, expense, including but not limited to attorneys’ fees, expert’s fees, investigative fees and claims handling fees, and any other cost which SURETY shall pay or incur in defense, adjustment, or settlement of such claims/suits by reason of such suretyship; (ii) that an itemized statement of loss and expenses by SURETY shall be indisputable proof of my liability to SURETY; (iii) coverage is subject to a $100 deductible; (iv) the employee must be convicted before coverage will apply (v) performance and any form of dispute resolution of this agreement shall take place in the county of SURETY's office of service; and (vi) a facsimile copy or electronically signed version of this agreement shall be binding as if it were an original. This agreement shall survive any changes in, substitute to or renewal of the bond(s).

Required Effect Date of Bond Policy:

Contact Information:

Employee Dishonesty Bond Application:

Business Information:

Business Description:

Coverage Requirements:

Indemnity Agreement:

I, the undersigned, hereby apply for a Dishonesty Bond also known as a Business Service Bond or Janitorial Service Bond (“bond”) to the Surety Company (“SURETY”) through Jet Insurance Company (“JET”), with whom I hereby grant the authority to act on my behalf with respect to the bond and assign as my Broker of Record, and declare that the statements herein are true and correct. In consideration of the SURETY issuing, renewing or substituting said bond(s), I, individually and as the owner or officer of the bonded entity, hereby understand and agree, as follows: (i) to reimburse, hold harmless, and indemnify SURETY upon demand for all loss, liability, claim, expense, including but not limited to attorneys’ fees, expert’s fees, investigative fees and claims handling fees, and any other cost which SURETY shall pay or incur in defense, adjustment, or settlement of such claims/suits by reason of such suretyship; (ii) that an itemized statement of loss and expenses by SURETY shall be indisputable proof of my liability to SURETY; (iii) coverage is subject to a $100 deductible; (iv) the employee must be convicted before coverage will apply (v) performance and any form of dispute resolution of this agreement shall take place in the county of SURETY's office of service; and (vi) a facsimile copy or electronically signed version of this agreement shall be binding as if it were an original. This agreement shall survive any changes in, substitute to or renewal of the bond(s).

Required Effect Date of Bond Policy:

Contact Information:

Contract Bond Application:

X

Business Information:

Owner Information:

Job Details:

Indemnity Agreement:

I, the undersigned, hereby apply for a Dishonesty Bond also known as a Business Service Bond or Janitorial Service Bond (“bond”) to the Surety Company (“SURETY”) through Jet Insurance Company (“JET”), with whom I hereby grant the authority to act on my behalf with respect to the bond and assign as my Broker of Record, and declare that the statements herein are true and correct. In consideration of the SURETY issuing, renewing or substituting said bond(s), I, individually and as the owner or officer of the bonded entity, hereby understand and agree, as follows: (i) to reimburse, hold harmless, and indemnify SURETY upon demand for all loss, liability, claim, expense, including but not limited to attorneys’ fees, expert’s fees, investigative fees and claims handling fees, and any other cost which SURETY shall pay or incur in defense, adjustment, or settlement of such claims/suits by reason of such suretyship; (ii) that an itemized statement of loss and expenses by SURETY shall be indisputable proof of my liability to SURETY; (iii) coverage is subject to a $100 deductible; (iv) the employee must be convicted before coverage will apply (v) performance and any form of dispute resolution of this agreement shall take place in the county of SURETY's office of service; and (vi) a facsimile copy or electronically signed version of this agreement shall be binding as if it were an original. This agreement shall survive any changes in, substitute to or renewal of the bond(s).

Required Effect Date of Bond Policy:

Contact Information:

Worker's Compensation Application:

X

Business Information:

Business Description:

Coverage Requirements

Indemnity Agreement:

I, the undersigned, hereby apply for a Dishonesty Bond also known as a Business Service Bond or Janitorial Service Bond (“bond”) to the Surety Company (“SURETY”) through Jet Insurance Company (“JET”), with whom I hereby grant the authority to act on my behalf with respect to the bond and assign as my Broker of Record, and declare that the statements herein are true and correct. In consideration of the SURETY issuing, renewing or substituting said bond(s), I, individually and as the owner or officer of the bonded entity, hereby understand and agree, as follows: (i) to reimburse, hold harmless, and indemnify SURETY upon demand for all loss, liability, claim, expense, including but not limited to attorneys’ fees, expert’s fees, investigative fees and claims handling fees, and any other cost which SURETY shall pay or incur in defense, adjustment, or settlement of such claims/suits by reason of such suretyship; (ii) that an itemized statement of loss and expenses by SURETY shall be indisputable proof of my liability to SURETY; (iii) coverage is subject to a $100 deductible; (iv) the employee must be convicted before coverage will apply (v) performance and any form of dispute resolution of this agreement shall take place in the county of SURETY's office of service; and (vi) a facsimile copy or electronically signed version of this agreement shall be binding as if it were an original. This agreement shall survive any changes in, substitute to or renewal of the bond(s).

Required Effect Date of Bond Policy:

Contact Information: