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Kentucky Mortgage Loan Originator

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How Much Do Kentucky Mortgage Loan Originator Bonds Cost?

The Kentucky Department of Financial Institutions determines the necessary bond coverage for licensed mortgage loan originators (MLOs) based on annual loan volume: 

  • MLOs with under $10M in annual loan volume: $15,000 bond, prices start at $75
  • MLOs with over $10M in annual loan volume: $20,000 bond, prices start at $100

These bonds are subject to underwriting, which means the price you’ll pay depends on a review of your personal credit report. Highly-qualified applicants may pay as low as 0.5% of the bond total. Request your free quote now!

Bond Type
$20,000Mortgage Loan Originator Bond ($20,000)
$15,000Mortgage Loan Originator Bond ($15,000)

All Kentucky bonds are subject to a state-imposed 1.8% surcharge.

What Is a Kentucky Mortgage Loan Originator Bond?

Kentucky mortgage loan originator bonds ensure that consumers who are unjustly wronged in a mortgage transaction have a means of compensation for financial losses. also issues bonds for Kentucky mortgage brokers and mortgage companies

How to Get a Mortgage Originator License Bond in Kentucky

With, you can get your Kentucky mortgage loan originator bond in just three easy steps: 

  1. Apply for your surety bond online.
  2. Receive a free quote within one business day. 
  3. Checkout on our secure, online portal. 

That’s it! We’ll file your official bond directly with the NMLS and provide an email copy for your records. 

If you work as a mortgage professional in several states, we offer mortgage industry license bonds nationwide

How Do Mortgage License Surety Bonds Work?

Mortgage loan originator bonds in Kentucky protect the public from unlawful mortgage lending practices. If the bonded principal creates unjust financial harm for a consumer, the surety will cover damages up to the full bond amount. Then, the principal must reimburse the surety.

When Do I Need to Renew My MLO Bond? 

You must renew your bond annually to maintain active coverage. Your account manager will contact you 90 days in advance to set up your renewal. To cancel the bond, the principal or surety must send 30-day’s written notice to the obligee. 

How to Become a Mortgage Loan Originator in Kentucky

Mortgage loan originators in Kentucky must be licensed with the Department of Financial Institutions. Complete the following steps to submit your license application: 

  • Complete 20 hours of pre-licensing education.
  • Pass the national test component with uniform state content.
  • Submit the application form online via the NMLS. 
  • Consent to a credit report through the NMLS. 
  • File a surety bond independently or through an employer
  • Pay the $50 registration fee and $30 NMLS processing fee 

Use the NMLS KY Loan Originator Application Checklist to ensure you meet all the licensing requirements. Take the next step by applying for your surety bond now! 

Call 1 (800) 308-4358 to talk with a Surety Expert