In-State vs. Out-of-State Tiers
With KS office: $50K/$75K. Without: $100K/$125K. Based on >$50M KS volume. Supervised lender: $250K. Continuous bond.
KS State Bank CommissionerK.S.A. § 9-2204Same-Day Issuance
Kansas Mortgage Broker Surety Bond
Secure your Kansas mortgage company or supervised lender license with a surety bond from Surety One, Inc. Mortgage company bonds $50,000–$125,000 based on KS office and volume. Supervised lender bonds $250,000. Premiums individually determined.
KS Mortgage Bond
$50K – $125K
In-state vs. out-of-state tiers • Supervised lender $250K • Premium based on credit
Mortgage Company (KS office)$50,000
Mortgage Company (no KS office)$100,000
>$50M KS volume (KS office)$75,000
>$50M KS volume (no KS office)$125,000
Supervised Lender$250,000
TurnaroundSame Day
Get Your Free Quote
Understanding Your Bond
What Is a Kansas Mortgage Broker Surety Bond?
A Kansas mortgage company surety bond is required by the Office of the State Bank Commissioner (OSBC) as a condition of licensure under K.S.A. § 9-2204 (Kansas Mortgage Business Act).
Kansas uses a unique in-state office factor in its bond schedule: mortgage companies with a Kansas bona fide office pay lower bond amounts ($50,000/$75,000) than those without ($100,000/$125,000). The higher tiers apply when prior-year KS loan volume exceeds $50 million. Supervised lenders face a separate $250,000 bond requirement.
Kansas's in-state office distinction creates an incentive for physical presence in the state — a regulatory approach designed to ensure local accessibility for consumers and regulators alike.
The Three Parties
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PrincipalThe mortgage company or supervised lender who purchases the bond and must comply with K.S.A. Chapter 9.
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ObligeeThe Kansas Office of the State Bank Commissioner — the regulatory authority enforcing the Kansas Mortgage Business Act.
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SuretySurety One, Inc. — the company that underwrites and issues the bond, guaranteeing the principal's compliance with Kansas mortgage licensing law.
In-State Office Matters — Lower Bond with KS Presence
Kansas rewards physical presence: companies with a bona fide KS office pay $50,000–$75,000, while out-of-state companies pay $100,000–$125,000. This in-state/out-of-state distinction is unique in the series.
Bond Amount Requirements
Kansas Mortgage Bond Amounts
| License Type / Configuration | Bond Amount |
|---|---|
| Mortgage Company — KS office, ≤$50M volume | $50,000 |
| Mortgage Company — KS office, >$50M volume | $75,000 |
| Mortgage Company — no KS office, ≤$50M volume | $100,000 |
| Mortgage Company — no KS office, >$50M volume | $125,000 |
| Supervised Lender | $250,000 |
Kansas Licensing Requirements
Key Bond & Licensing Requirements
Office of State Bank Commissioner
KS OSBC. Bond conditioned on compliance with K.S.A. Chapter 9 and all Commissioner rules and orders.
K.S.A. § 9-2204
Kansas Mortgage Business Act. Supervised Lender Act for consumer lending. Separate bond requirements by license type.
Financial Documentation
Financial statements, business plan, organizational chart. Certificate of Authority or Good Standing. Background check for all control persons.
NMLS Electronic Filing
All applications and bonds filed through NMLS. Separate license required for each DBA or trade name.
Continuous / 30-Day Cancel
Continuous bond. 30-day written cancellation notice. December 31 renewal. Separate license per DBA.
Consumer Protection
What Does This Bond Protect Against?
KS Mortgage Business Act
Full compliance with K.S.A. Chapter 9 and all rules and orders of the State Bank Commissioner.
Consumer Protection
The bond protects consumers and the State from financial harm resulting from violations by the mortgage company or supervised lender.
In-State Presence Incentive
The lower bond for in-state offices encourages physical presence, providing consumers with local access to their mortgage professionals.
Supervised Lender Coverage
The $250,000 supervised lender bond provides enhanced consumer protection for higher-risk consumer lending activities.
How It Works
Get Your Kansas Mortgage Broker Bond in 4 Steps
Apply Online
Complete our application online or call (800) 373-2804. Free and no obligation.
Get Your Quote
Competitive premium quote typically within hours. We work with all credit profiles.
Purchase & Sign
Accept your quote, complete the indemnity agreement, and pay your premium.
Filed via NMLS
Surety One files your Electronic Surety Bond through the NMLS.
Understanding Your Premium
How Is My Premium Determined?
Your premium is a percentage of your required bond amount, individually determined. You do not pay the full bond amount.
| Underwriting Factor | How It Affects Your Premium |
|---|---|
| Required Bond Amount | Higher amounts result in higher premiums. |
| Personal Credit Score | Primary factor. Stronger credit = lower rates. |
| Financial Statements | May be required for larger bonds. |
| Industry Experience | Influences risk assessment. |
| Claims History | Prior claims may affect terms. |
Every Applicant Receives a Personalized Quote
Surety One provides free, no-obligation quotes — we decline no application. Apply now or call (800) 373-2804.
Common Questions
Kansas Mortgage Broker Bond FAQ
KS mortgage company bonds are $50,000–$125,000 based on whether you have a KS office and your volume. Supervised lender bonds are $250,000. Premium individually determined.
Yes. Companies with a bona fide KS office pay $50,000 (or $75,000 if >$50M volume), vs. $100,000/$125,000 without a KS office.
Kansas supervised lenders — those making consumer loans — require a separate $250,000 bond. This is distinct from the mortgage company bond.
The Kansas Office of the State Bank Commissioner requires the bond under K.S.A. § 9-2204.
Yes. Surety One declines no application. We offer non-standard programs for all credit profiles.
Kansas mortgage licenses expire December 31. Continuous bond with 30-day cancellation notice.
The Surety One Advantage
Why Choose Surety One, Inc.?
KS Dual-Tier Specialists
Kansas's in-state/out-of-state bond distinction requires experienced surety underwriting. We handle all KS configurations efficiently.
Same-Day Issuance
Most Kansas mortgage bonds are issued the same business day.
A+ BBB Rated
Surety One carries an A+ rating with the Better Business Bureau.
All Credit Accepted
We decline no application.
Plains States Expertise
Operating in Kansas and the Central Plains? We streamline bonding across all 50 states.
Free Quotes, No Obligation
Application review and quoting are always free.
