Escrow Agency Bond

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How Do I Get Bonded?

What Is an Escrow Agency Bond?

Escrow agencies and agents need to get bonded in a number of states across the country. It is a typical licensing requirement for escrow professionals. You have to provide this license bond in a form and amount set by the relevant state authorities.

What’s the purpose of the bonding? In case you transgress from your legal obligations and engage in unlawful practices, such as hiding escrow records and not depositing all monies, you may get a claim against your bond. This is a security mechanism that allows harmed parties to demand a fair reimbursement for suffered losses.

Your escrow agency bond works like a contract between three parties. The principal that has to obtain a bond is your escrow agent business. The state authority that requires you to get bonded is the obligee. The surety provides you with the bond.

Questions about Escrow Agency Bond

Which states require an escrow agency bond?


Escrow agents in the state of Washington have to post a $10,000 surety bond as a part of their licensing.


Arizona escrow agents need to provide a $100,000 bond to the state Department of Financial Institutions. You need to use the official bond form.


Escrow agents in Oregon need to post a $50,000 bond to the state Real Estate Agency.


Escrow licensees in California need to post a surety bond. You have to present it to the Department of Business Oversight.


The Idaho Department of Finance requires escrow agents to provide a $20,000 surety bond prior to conducting operations in the state.


Escrow agents in Utah have to post a surety bond in an amount between $10,000 and $50,000, which is set on the basis of monthly average escrow liability.

How much does it cost to get bonded?

You need to cover only a small fraction of the bond amount that you are required to post as a part of your state’s licensing requirements. This is the bond premium, which depends on your personal and business finances.

When you apply with a surety, it has to consider a number of factors in order to assess and set your surety bond cost. Your personal credit score plays a central role in this process. Other important criteria are your business financials, as well as liquidity and assets and even your business know how. The more stable your overall profile is, the less you’re likely to pay for getting bonded. For applicants with stable finances, the typical rates are between 1% and 5%.

Surety Bond Cost Based on Credit Score
Surety bond name Surety bond amount Above 700 Between 650-699 Between 600-649 Below 599
Arizona Escrow Agency Bond $100,000 $750-$1,500 $1,000-$2,500 $2,500-$5,000 $5,000-$10,000
Oregon Escrow Agency Bond $50,000 $375-$750 $500-$1,250 $1,250-$2,500 $2,500-$5,000
Idaho Escrow Agency Bond $20,000 $150-$300 $200-$500 $500-$1,000 $1,000-$2,000
Washington Escrow Agency Bond $10,000 $100-$150 $100-$250 $250-$500 $500-$1,000
Utah Escrow Agency Bond $10,000

* This table provides a ballpark estimate of potential bond costs. Bond pricing can fluctuate over time due to a number of factors. For exact pricing, please complete an application.

What happens in case I have bad credit?

It is possible to obtain an escrow agency bond, even if you are facing financial issues. Lance Surety Bonds runs its Bad Credit Surety Bonds program to provide a bonding option for applicants with low credit scores, tax liens, bankruptcies, and civil judgements.

The bad credit bonding rates are higher because of the increased risk involved. You can expect premiums between 5% and 10%. But don’t worry about your costs - we’ll make sure you pay the cheapest possible price. We work with numerous A-rated, T-listed surety companies, so we can select the right bonding option that fits your situation.

How do I apply for my escrow agency bond?

We have prepared a detailed How to Get Bonded page that provides a thorough overview of the bonding process.

In case you have more questions or need assistance, our bonding experts are here to help. Just contact us at (877) 514-5146.

START YOUR APPLICATION It's FREE. No Obligations. Approval in Minutes.

About Us

Lance Surety Bonds
Lance Surety Bond Associates, Inc. is a Pennsylvania-based surety bond agency that offers bonding at competitive rates in all 50 states. Established in 2010, our company has grown to become one of the top online bond producers in the country. Working exclusively with A-rated and T-listed bonding companies gives us the confidence to offer a 100% money-back guarantee. read more

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What Our Clients Have To Say?

  • Kimberlee Ables
    Quick response times and turn around for issuing bonds. Great customer service and very knowledgeable. We have used Lance Surety multiple times and have never been disappointed. Highly recommend them and Collette!
  • Andrew Poincot
    Long story short, these guys cut through the B.S. and get the job done. Responsiveness, excellent! Communication, excellent! Respect for their industry partners, excellent! John, Collette, Ryan, you're all-stars! Thank you!
  • Margie Martinez
    We decided for Lance Surety Bond's quote for 2 reasons; Price and Customer Service. Our Representative Ryan was just SUPERB!! [...] I highly recommend Lance Surety Bond for all your Bonding needs! I'll definitely come back for all of mine. :-) Thanks Ryan!

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