Who requires it
Office of the State Bank Commissioner — Consumer and Mortgage Lending
License & permit · Kansas
Kansas Mortgage Company Bond
Kansas mortgage company applicants and licensees under the Kansas Mortgage Business Act must file a surety bond the Office of the State Bank Commissioner accepts. K.S.A. 9-2211 frames the requirement as a bond of not less than one hundred thousand dollars in an amount the commissioner sets by rule. The currently published K.A.R. 17-24-6 schedule sizes the amount by whether the company maintains a bona fide Kansas office and by prior-calendar-year Kansas mortgage origination volume.
Common bond amount
$50,000–$125,000
Published K.A.R. 17-24-6: bona fide KS office $50k/$75k; no bona fide office $100k/$125k (volume step at $50M prior-year KS loans).
How you file
File electronically through NMLS with the Office of the State Bank Commissioner
Renewal
Maintain while licensed; resize when office/volume tier changes; 30-day cancellation notice
Who requires it
Applicants for and holders of Kansas mortgage company licenses under the Kansas Mortgage Business Act (chapter 9, article 22) who file through NMLS with OSBC.
How much is required
Under published K.A.R. 17-24-6, an applicant or licensee with a bona fide office posts $50,000, or $75,000 if Kansas mortgage loans originated or made in the previous calendar year exceeded $50,000,000. Without a bona fide office, the amounts are $100,000, or $125,000 above that same $50,000,000 Kansas volume threshold. File the bond with OSBC. It may not terminate without thirty days’ written notice, and claims can be filed for two years after the act or omission that gives rise to a claim.
How to get and file it
Confirm your bona fide Kansas office status and prior-year Kansas origination volume, then have an authorized insurer issue the matching Kansas Mortgage Business Act bond in a form OSBC accepts. File electronically through NMLS as the Kansas mortgage company checklist directs and keep the amount current when office status or volume crosses a tier. Maintain the bond while licensed. Recalculate at renewal if Kansas volume or office status changed. A surety termination requires at least thirty days’ prior written notice to the commissioner and does not erase liability for earlier violations.
Cost note
Fifty thousand to one hundred twenty-five thousand dollars is the required bond amount, not the premium you pay. See bond amount vs premium. Bond amount vs premium →
Requirement checklist
- Bona fide Kansas office — ≤ $50M prior-year KS loans
- $50,000
- Bona fide Kansas office — > $50M prior-year KS loans
- $75,000
- No bona fide Kansas office — ≤ $50M prior-year KS loans
- $100,000
- No bona fide Kansas office — > $50M prior-year KS loans
- $125,000
Related resources
Frequently asked questions
Does a Kansas MLO need a separate individual surety bond?
The Kansas Mortgage Business Act company bond under §9-2211 / K.A.R. 17-24-6 is the company-level instrument described here. Individual mortgage loan originator bonding is not part of this published company schedule—follow the current OSBC/NMLS MLO checklist for any individual items.
What counts as a bona fide office for the Kansas mortgage bond?
K.A.R. 17-24-6 uses the regulation’s bona fide office distinction to choose between the $50,000/$75,000 and $100,000/$125,000 pairs. Confirm with OSBC how your physical Kansas presence is classified before you order a bond.
Related Kansas bond guides
Money Transmitter Bond
$200,000–$1,000,000
Kansas money-transmission applicants and licensees must keep a surety bond satisfactory to the commissioner—or an approved deposit in place of a bond—under the Kansas Money Transmission Act. K.S.A. 9-587, effective January 1, 2025, generally sets the amount at the greater of two hundred thousand dollars or one hundred percent of the licensee’s average daily Kansas money-transmission liability for the most recently completed three-month period, capped at one million dollars.
Credit Services Organization Bond
$25,000
Kansas credit services organizations that provide fee-based debt-management or related credit services must file a twenty-five-thousand-dollar surety with the Office of the State Bank Commissioner. K.S.A. 50-1119 conditions the bond on faithful performance of licensee duties and makes it available for OSBC expenses, fines, and fees as well as consumer losses the commissioner attributes to statutory violations.
Title Insurance Agent Bond
$100,000
A Kansas title insurance agent that handles escrow, settlement, or closing accounts must file a one-hundred-thousand-dollar surety bond or irrevocable letter of credit with the Commissioner of Insurance. K.S.A. 40-1139—as amended effective January 1, 2026—uses that single amount to secure faithful performance of the title-agent escrow duties in K.S.A. 40-1135 through 40-1141 and to protect persons harmed by conversion or misappropriation of escrow, deposit, or trust funds.
Surety basics (not repeated here)
Universal surety concepts explained once—linked here instead of repeated on every state or bond page.
Continue with a Kansas application
Kansas will be preselected. Choose your bond type in the application—we confirm the correct product against your agency form before anything is issued.
Last verified 2026-08-11. This guide is based on verified educational content and official sources.
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