CA Finance Lender Bond

Apply for your California Finance Lender Bond

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What does the bond cover?

The Finance Lender Surety bond protects consumers against fraudulent lending acts according to the provisions of the California Finance Lenders Law. If a consumer incurs any physical or financial loss due to the misconduct of the finance lender, their agents, or employees, this bond ensures the consumer will be reimbursed.

CFLL lender and/or broker licensees who originate residential mortgage loans are required to maintain a surety bond that covers the activities of the MLOs they employ. The bond amount will be based on the amount of origination activities conducted by the licensee. The surety bond amounts will be based on the aggregate dollar amount of residential mortgage loans originated by the licensee in the preceding calendar year, as follows:

Aggregate Loans                          Bond Amount
$0-$1,000,000                                 $25,000
$1,000,001-$50,000,000                $50,000
$50,000,001-$500,000,000            $100,000
$500,000,000+                                $200,000

Who needs this bond?

California Lenders and brokers who originate residential mortgage loans are required to maintain a surety bond that covers all mortgage loan originators (MLO) they employ. California Financial Code Section 22112 requires each licensee to maintain this surety bond at all times.

How much does this bond cost?

The premium will vary based on credit and years of industry experience. With strong credentials, the premium can be as low as $250 for a 1 year term.

How do I apply?

To get a free finance lender quote, complete our online application. You may also request a PDF application via an email to

Other names for this bond: CA mortgage broker license bond, CA loan originator license bond, CA mortgage broker bond.

According to California Financing Law all persons or businesses that act as finance lenders or finance brokers must hold a valid Finance Lender License. Finance Lenders are defined as any person engaged in the business of making consumer or commercial loans. Finance Brokers are defined as any person engaged in the business of negotiating or acting as a broker in connection to consumer or commercial loans made by finance lenders. In order to obtain a Finance Lender License, Finance Lenders and Broker are required to maintain a minimum net worth of $25,000 and to post an active $25,000 Finance Lender Surety Bond.

Fill out the fast, secure application below and we will help you get bonded. We will send you a free bond quote after shopping for the best rate for you.

Finance Lender Bond California

What Our Customers Have to Say

I have processed 2 defective title bonds through South Coast Surety and I am the type that gets worried for any little detail and want to make sure everything is done correctly the first time to prevent double work for myself and everybody. Knowing how I am both times I had to call customer service and they answered every little question I had in a very nice and gratifying way that made me feel I would not have any problems in which I did not. South Coast Surety has the ultimate best customer service.

5 Star Review

Gaby - CA
May 2019

Quotation Mark

I was shopping for a surety bond for the first time and having trouble communicating with several different companies. When I contacted South Coast Surety they responded quickly and performed the transaction quick and easy. I might have been able to find a lower price, but their professionalism was worth a couple extra dollars.

5 Star Review

KG C. - CA
April 2019

Quotation Mark

We are opening up a Mental Health Residential Treatment Center and needed a Surety bond since we will be handling some clients cash resources. I reached out to South Coast Surety, they sent me an application, paid our premium and had our bond sent to us immediately. Everyone I spoke to and emailed was courteous, attentive and responded very quickly. We will most definitely continue to get all of our bond services from South Coast.

5 Star Review

John F. - CA
September 2021

Quotation Mark

Great customer service from South Coast Surety. When I had questions about the bond and process, their customer service team assisted me with a sense of urgency and answered my questions. I recommend using their services. I will be a returning customer.

5 Star Review

P&C B. - CA
April 2021

Quotation Mark

I needed a surety bond and was referred by another company to south coast. I am very impressed with the level of customer service in every stage of issuing the bond, the rapid response to the get the bond issued and communication with the team. Great team and awesome service. I highly recommend South Coast Surety for you bond needs.

5 Star Review

Mirwais A. - CA
March 2021

Quotation Mark

I was in need of obtaining my CA Insurance Bond. I was able to obtain my required Bond quote online within minutes. I approved the quote and requested the Bond to be issued. On the same day, I received the Evidence of Coverage. Could not ask for better pricing or better service. I highly recommend South Coast Surety to meet a wide range of Bonding needs.

5 Star Review

Udo G. - NJ
January 2018

Quotation Mark

Celebrating 25 Years of Committed Surety Service

South Coast Surety has been proudly providing surety support to all fifty U.S. states for twenty years. Starting out as a small agency with a dream in San Clemente, California, we have steadily grown into one of the largest bond-only agencies in the nation. We write all commercial bonds and contract bonds for every American business and industry. Our greatest achievement is helping our clients grow their business alongside our own through coaching and obtaining larger bonding limits at the best rates. We work hard for our clients and take pride in bonding businesses that have been declined by our competitors.

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