Notary Bond Application:
X
Kansas mortgage license surety bonds
Kansas Mortgage License Bonds
Kansas mortgage companies that make, originate, service, solicit, place, negotiate, acquire, sell, arrange, or hold rights to mortgage loans involving Kansas residential property need a Mortgage Company License through the Kansas Office of the State Bank Commissioner. Jet Insurance Company helps Kansas mortgage companies quote, purchase, renew, replace, and manage the surety bond required for the license.
Use this page to review Kansas Mortgage Company License Bond requirements for residential mortgage lenders, brokers, servicers, and mortgage loan originator company coverage, view Jet pricing, and get help with NMLS filing support.
Need help? Call (855) 516-3348 or email [email protected].
Last updated: July 2026. Kansas mortgage bond requirements can change. Confirm the final license type, bond amount, filing method, and NMLS or Kansas Office of the State Bank Commissioner checklist before filing.
Kansas Mortgage Bond Quick Answers
Which bonds are covered?
This page covers the Kansas Mortgage Company License Bond, including mortgage lender, mortgage broker, mortgage servicer, mortgage loan originator company, and branch-related mortgage business authority.
Who regulates the license?
The Kansas Office of the State Bank Commissioner regulates mortgage company licensing under the Kansas Mortgage Business Act.
What is the bond amount?
Kansas law requires each mortgage company applicant or licensee to file a surety bond of not less than $100,000. The commissioner may require a higher bond amount under rules and specific circumstances.
How do I get help?
Call (855) 516-3348 or email [email protected].
Choose Your Kansas Mortgage License Bond
Kansas uses a Mortgage Company License for residential mortgage lenders, brokers, and servicers. Loan originators conduct mortgage business on behalf of one licensed mortgage company, and the mortgage company is responsible for mortgage business conducted on its behalf by loan originators, employees, and independent contractors.
Mortgage Company License Bond
For Kansas residential mortgage lenders, brokers, and servicers licensed under the Kansas Mortgage Business Act.
Common bond limit: $100,000
Jet pricing: $499 for one year, $50 monthly, $873 for two years, or $1,248 for three years.
Mortgage Broker, Lender and/or Servicer Bond
For companies whose Kansas mortgage authority includes brokering, lending, servicing, or a mix of residential mortgage activities under the Mortgage Company License.
Common bond limit: $100,000
Jet pricing: $499 for one year, $50 monthly, $873 for two years, or $1,248 for three years.
Mortgage Loan Originator Coverage
Kansas loan originators register to conduct mortgage business on behalf of a licensed mortgage company. The mortgage company licensee is responsible for the mortgage business conducted on its behalf by loan originators, employees, and independent contractors.
Bond limit: Covered through the mortgage company bond
Common company bond limit: $100,000
Not Sure Which Bond Applies?
Send Jet the Kansas license type, NMLS company ID if available, bond amount shown on the checklist, and desired effective date. Jet can help match the bond to the correct Kansas mortgage requirement.
Help by phone: (855) 516-3348
Important: Kansas law requires a mortgage company bond of not less than $100,000. The commissioner may require a higher bond amount under Kansas rules and special circumstances. Always match the bond to the current NMLS checklist and OSBC instructions before filing.
Kansas Mortgage License Bond Pricing
Jet pricing below follows the same mortgage bond pricing method used on the other state pages. The one-year price is 0.5% of the bond limit. If the calculated one-year price ends in zero, Jet subtracts $1 before calculating multi-year options. The two-year price is 1.75 times the one-year price, and the three-year price is 2.5 times the one-year price. Monthly pricing is 10% of the one-year price, rounded when needed.
| Bond Limit | Common Kansas Use | Monthly | 1 Year | 2 Years | 3 Years |
|---|---|---|---|---|---|
| $100,000 | Kansas Mortgage Company License Bond for residential mortgage lenders, brokers, servicers, and mortgage company MLO coverage | $50 | $499 | $873 | $1,248 |
| $125,000 | Higher bond amount if assigned by the Kansas OSBC or shown on the NMLS checklist | $63 | $625 | $1,094 | $1,563 |
| $150,000 | Higher bond amount if assigned by the Kansas OSBC or shown on the NMLS checklist | $75 | $749 | $1,311 | $1,873 |
Pricing shown is preferred-tier pricing and may vary based on underwriting approval, bond form, selected term, effective date, final required bond amount, and license requirements.
Get Kansas Mortgage Bond Pricing
Start a quote online and select the Kansas bond that matches your license authority. Jet can help confirm whether your requirement is for a Mortgage Company License Bond, Mortgage Broker/Lender/Servicer Bond, or mortgage loan originator company coverage.
Questions? Call (855) 516-3348 or email [email protected].
Kansas Mortgage Bond Requirements
The Kansas Mortgage Business Act requires each mortgage company applicant or licensee to file a surety bond with the commissioner. The bond must be in a form acceptable to the commissioner, issued by an insurance company authorized to conduct business in Kansas, and payable to the Office of the State Bank Commissioner.
| Kansas License or Authority | Bond Amount | Who the Bond Covers | Quote |
|---|---|---|---|
| Mortgage Company License | Not less than $100,000 | The licensed mortgage company and mortgage business conducted on its behalf by loan originators, employees, or independent contractors. | Get Quote |
| Mortgage Broker, Lender and/or Servicer | Commonly $100,000, unless a higher amount is assigned | The mortgage company’s brokering, lending, servicing, and related Kansas residential mortgage business activity. | Get Quote |
| Mortgage Loan Originator Coverage | Covered through the mortgage company bond | Loan originators registered to conduct mortgage business on behalf of one licensed mortgage company. | Get Help |
Filing note: Kansas mortgage company licensing is handled through NMLS. The bond should be issued for the correct legal name, NMLS company record, license authority, effective date, and required bond amount shown on the current checklist.
Kansas Mortgage Company License Bond
The Kansas Mortgage Company License Bond is required for entities licensed under the Kansas Mortgage Business Act. Kansas OSBC describes the Mortgage Company License as applying to businesses that engage in, or hold themselves out as willing to engage in, residential mortgage lending, brokering, servicing, soliciting, placing, negotiating, acquiring, selling, arranging, or holding rights to mortgage loans involving Kansas residential property.
License Type
Kansas Mortgage Company License.
Common Bond Limit
$100,000, unless the commissioner or NMLS checklist requires a higher amount.
Jet Pricing
$499 for one year, $50 monthly, $873 for two years, or $1,248 for three years for the $100,000 bond.
The bond is available for recovery of expenses, fines, and fees levied by the commissioner, and for losses or damages determined by the commissioner to have been incurred by a borrower or consumer because of the applicant’s or licensee’s failure to comply with the Kansas Mortgage Business Act.
Kansas Mortgage Broker, Lender and/or Servicer Bond
The Kansas Mortgage Broker, Lender and/or Servicer Bond refers to the same Kansas mortgage company surety bond requirement when the company’s licensed activity includes mortgage brokering, mortgage lending, mortgage servicing, or a combination of these residential mortgage activities.
Authority Type
Residential mortgage broker, lender, servicer, or combined mortgage company authority.
Common Bond Limit
$100,000, unless the Kansas OSBC or NMLS checklist requires a higher amount.
Starting Price
$499 for one year or $50 monthly for a $100,000 bond.
Use this option when the Kansas or NMLS requirement references mortgage broker, mortgage lender, mortgage servicer, or broad mortgage company authority rather than a narrower bond title.
Kansas Mortgage Loan Originator Bond Coverage
Kansas loan originators register to conduct mortgage business on behalf of a single licensed mortgage company. The licensed mortgage company is responsible for mortgage business conducted on its behalf by loan originators, employees, and independent contractors.
Registration Type
Kansas Loan Originator Registration.
How Coverage Works
The loan originator’s covered activity is tied to the sponsoring licensed mortgage company’s bond.
Company Bond
The common Kansas mortgage company bond amount is $100,000, unless a higher amount is assigned.
If your NMLS checklist specifically shows a separate individual mortgage loan originator bond, contact Jet before ordering so we can confirm the correct Kansas requirement.
Kansas Mortgage Bond Comparison
Kansas mortgage authority is generally handled through the Mortgage Company License and related loan originator registration. This comparison helps identify which bond language to use before starting a quote.
| Requirement | Regulator | Bond Amount | Main Filing Point |
|---|---|---|---|
| Mortgage Company License Bond | Kansas Office of the State Bank Commissioner | Not less than $100,000 | NMLS company license record |
| Mortgage Broker, Lender and/or Servicer Bond | Kansas Office of the State Bank Commissioner | Commonly $100,000, unless a higher amount is assigned | NMLS company license record |
| Mortgage Loan Originator Coverage | Kansas Office of the State Bank Commissioner | Covered through the licensed mortgage company bond | NMLS registration and company sponsorship |
How Kansas Mortgage Bond Quotes Work
1
Confirm the Kansas Requirement
Identify whether the NMLS checklist references a Mortgage Company License Bond, Mortgage Broker/Lender/Servicer Bond, or loan originator company coverage.
2
Confirm the Bond Amount
Kansas law requires at least $100,000. Use the amount shown on the current Kansas OSBC or NMLS checklist if a higher amount is assigned.
3
Buy and File
After purchase, Jet provides the bond or filing guidance based on the current Kansas and NMLS process.
Need a Kansas Mortgage License Bond?
Jet can help you choose the correct Kansas Mortgage Company License Bond, Mortgage Broker/Lender/Servicer Bond, or mortgage loan originator company coverage, review pricing, and get the bond issued for licensing.
Kansas $100,000 mortgage bond pricing starts at $499 for one year or $50 monthly.
Questions? Call (855) 516-3348 or email [email protected].
How Are Kansas Mortgage Bonds Filed?
Kansas mortgage company licensing is handled through NMLS. The NMLS Resource Center provides application and renewal instructions, and Kansas OSBC directs mortgage company applicants and licensees to use NMLS for this license type.
Jet can provide the required bond document or electronic filing guidance after purchase. Before ordering, confirm the company legal name, NMLS ID, license authority, bond amount, effective date, and whether the bond must be completed as an Electronic Surety Bond in NMLS.
NMLS Company Record
The bond should match the company legal name, NMLS ID, and Kansas Mortgage Company License record.
Electronic Surety Bond
Kansas mortgage bonds may be handled through NMLS electronic surety bond procedures when required by the current checklist.
Bond Changes
Contact Jet before changing the legal name, DBA, NMLS ID, bond amount, license authority, branch status, or servicing activity.
Kansas Mortgage Bond Renewals, Changes, and Cancellations
Renewing Your Bond
Keep the Kansas mortgage bond active for as long as the Mortgage Company License requires coverage. Review the bond before renewal to confirm the legal name, NMLS ID, license authority, and bond amount remain correct.
Changing the Bond
A bond change may be needed when the company changes its legal name, DBA, NMLS ID, bond amount, mortgage authority, branch information, or servicing status.
Cancelling or Replacing Your Bond
The Kansas mortgage bond may not be terminated without 30 days’ prior written notice to the commissioner. Do not cancel a required bond until replacement coverage is accepted or the license no longer requires coverage.
What Does a Kansas Mortgage License Bond Cover?
A Kansas Mortgage Company License Bond is designed to protect the public and the state regulator, not the bonded mortgage company. The bond is available for recovery of expenses, fines, and fees levied by the commissioner, and for borrower or consumer losses or damages determined by the commissioner to have resulted from the applicant’s or licensee’s failure to comply with the Kansas Mortgage Business Act.
The bond terms also require that the surety’s liability is not affected for violations that occur before cancellation. The principal and surety remain liable for a period of two years from the date of the action or inaction that gives rise to a claim under the bond.
A surety bond is different from insurance for the bonded company. 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.
How to Avoid Kansas Mortgage Bond Claims
- Maintain continuous bond coverage for the correct Kansas mortgage company bond amount.
- Match the bond to the exact legal name, DBA, NMLS ID, license authority, and required bond amount.
- Confirm whether the company conducts mortgage lending, brokering, servicing, loan originator sponsorship, or multiple mortgage business activities.
- Do not conduct Kansas mortgage business without the proper license or registration.
- Do not advertise or represent loan terms in a misleading way.
- Do not charge unauthorized or prohibited fees.
- Maintain required books, records, mortgage call reports, annual reports, and consumer disclosures.
- Keep loan originator registration, company, branch, and remote work information current.
- Respond quickly to Kansas OSBC and NMLS requests.
- Contact Jet before cancelling, replacing, or changing the bond.
Want to Know More About Mortgage Bond Processes?
Popular Mortgage License Bond Guides
Kansas Mortgage License Bond FAQ
What Kansas mortgage bond is covered on this page?
This page covers the Kansas Mortgage Company License Bond, including mortgage broker, lender, servicer, and mortgage company loan originator coverage.
What is the Kansas Mortgage Company License Bond amount?
Kansas law requires each mortgage company applicant or licensee to file a surety bond of not less than $100,000. The Kansas OSBC or NMLS checklist may require a higher amount in certain cases.
How much does a Kansas Mortgage Company License Bond cost?
Jet pricing for a $100,000 Kansas Mortgage Company License Bond is $499 for one year, $50 monthly, $873 for two years, or $1,248 for three years.
Does a Kansas mortgage broker need a bond?
Yes. A Kansas mortgage broker operating under the Mortgage Company License framework must maintain the mortgage company surety bond required by the Kansas Mortgage Business Act.
Does a Kansas mortgage lender need a bond?
Yes. Kansas residential mortgage lenders operating as licensed mortgage companies must maintain the required mortgage company surety bond.
Does a Kansas mortgage servicer need a bond?
Yes. Kansas OSBC includes servicing within the Mortgage Company License description, so a mortgage company conducting Kansas residential mortgage servicing activity must maintain the required mortgage company bond.
Does a Kansas mortgage loan originator need a separate bond?
Kansas loan originators register to conduct mortgage business on behalf of a licensed mortgage company. Their covered activity is generally tied to the licensed mortgage company’s bond rather than a separate individual MLO bond.
Are Kansas mortgage bonds filed through NMLS?
Kansas mortgage company licensing is handled through NMLS. Follow the current Kansas NMLS checklist for exact electronic surety bond or filing steps.
Who should I contact for Kansas mortgage 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 Kansas mortgage license bond.
Get the Kansas Mortgage Bond Required for Your License
Start by choosing the Kansas bond that matches your license, mortgage company authority, loan originator coverage, or NMLS requirement. Jet will help with quoting, bond purchase, renewal support, and filing guidance when applicable.
Kansas $100,000 mortgage bond pricing starts at $499 for one year or $50 monthly.
Call: (855) 516-3348
Email: [email protected]