Free tool · 18 checks
Free mortgage website compliance checklist
Answer 18 questions about any loan officer or broker website. You'll get a score, the items to fix first, and the public rule behind each one. Educational, not legal advice.
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0 of 18 answered · weighted by risk
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Email yourself these results
We'll send your answers and the list of fixes, so you can forward it to your compliance team. We'll also offer — once — to rebuild the site for you. That's it.
Your checklist answers are added to the message only if you send this form.
About this checklist
We wrote this list from the public rules mortgage advertising is checked against — the SAFE Act framework, Regulation Z §1026.24, Regulation N, HUD's fair housing advertising guidance, the TCPA, state privacy law and the FTC's rule on reviews — and from what compliance teams typically ask us to change. It is not exhaustive, it is not legal advice, and it doesn't replace your company's policies. State requirements vary and change.
Last reviewed 2026-10-19. Found something that should be on the list? Tell us.
FAQ
Compliance checklist questions
What does a mortgage website need to be compliant?
At a minimum most need: your individual NMLS ID and your company's name and NMLS ID, accurate licensed-state information, an Equal Housing Opportunity statement or logo, no trigger terms without full Regulation Z disclosures, a privacy policy, and consent language on forms that lead to calls or texts. Your company and states may require more.
Is this checklist legal advice?
No. It is an educational tool that GetsMortgageNow uses as a quality pass on the sites we build. Rules vary by state and by company. Your compliance team or counsel has the final word.
Does the tool scan my website automatically?
No — you answer each question about the site you're checking. That keeps it honest: many items (like "only licensed states listed") need a human who knows your licenses.
Is my answer data saved?
Your answers stay in your browser on this page. Nothing is sent unless you choose to email yourself the results with the form at the bottom.
What are trigger terms in mortgage advertising?
Under Regulation Z §1026.24(d), certain terms in an ad for closed-end credit — the amount or percentage of a down payment, the number of payments or period of repayment, the amount of any payment, or the amount of any finance charge — "trigger" a requirement to also disclose the down payment, the terms of repayment and the APR.
Does my NMLS ID have to be on my website?
Under the SAFE Act framework, states require loan originators' unique NMLS identifiers on advertising and solicitations, which generally includes websites and social profiles. Check your states' specific rules and your company policy.
Do I need the Equal Housing logo or just the words?
Fair housing advertising guidance accepts the logo or the statement. Many lenders specify which one (and whether it reads "Equal Housing Opportunity" or "Equal Housing Lender"). Use your company's standard.
Can I show testimonials on my mortgage website?
Yes, if they are real, from actual customers, not misleading and shown with honest context. The FTC's 16 CFR Part 465 rule bans fake reviews and testimonials.
I failed several items. What now?
Fix the high-weight items first (NMLS IDs, Equal Housing, trigger terms, TCPA consent), then send the updated site to your compliance team. If your site is on a platform you can't easily edit, we can rebuild it in 5 business days.
Do you fix sites built by someone else?
We don't patch other platforms, but every site we build passes this checklist before launch and your compliance team gets a packet listing every disclosure.
Launch day in 5 business days
Want a site that passes before launch day?
Every site we build goes through this checklist on Day 1, and your compliance team gets a packet on Day 3.
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