Features · compliance block
The mortgage website footer disclosures, explained piece by piece.
The compliance block is the part of every page that says who you are, who licenses you, where, and that you lend fairly. Here's each line, why it's there, and the public source behind it.
An annotated example Fictional names and IDs
1Jordan Example, Loan Officer · NMLS ID 0000000
2Example Lending Co. · NMLS ID 1111111
3Licensed in TX and OK. [State license statement as required.]
4 Equal Housing Opportunity
5Privacy · Terms · Your privacy choices · Licensing & disclosures
6Calculators show estimates for education only and are not an offer or commitment to lend.
- 1
Your name and individual NMLS ID
Your unique identifier, linked to NMLS Consumer Access. SAFE Act / Regulation G & H (12 CFR 1007, 1008)
- 2
Company name and company NMLS ID
The licensed company you originate for, worded the way it requires. SAFE Act / Regulation G & H (12 CFR 1007, 1008)
- 3
Licensed states / license statements
Only states that are active, plus any statement your states require. NMLS Consumer Access
- 4
Equal Housing Opportunity
The statement or the official logo, as your company specifies. HUD Fair Housing advertising (24 CFR Part 110)
- 5
Privacy, terms and opt-out links
Notice at collection and a way to manage marketing preferences. California Attorney General — CCPA
- 6
Calculator and content disclaimers
Estimates are not offers; not a commitment to lend. CFPB Regulation Z §1026.24 (advertising)
Beyond the footer
Where else do these disclosures go?
Anywhere you market: profile pages, contact and apply pages, calculators, social bios, email signatures, ads and funnels. The numbers refer to the parts above.
Run the full checklist| Where | Parts |
|---|---|
| Website footer (every page) | 1, 2, 3, 4, 5 |
| LO profile / bio page | 1, 2, 3 |
| Contact and apply pages | 1, 2, 4, 5 + consent text |
| Calculators | 6 |
| Social profile bios | 1 (and 2 where required) |
| Email signature | 1, 2, 4 per company policy |
| Ads and funnels | 1, 2, 4 + full disclosures if trigger terms appear |
FAQ
Compliance block questions
What disclosures go in a mortgage website footer?
Typically: the loan officer's name and NMLS ID, the company name and company NMLS ID, licensed states or required license statements, Equal Housing Opportunity (or Equal Housing Lender), and links to the privacy policy, terms and any state disclosures. Your company and states may require more.
Should the NMLS ID link to NMLS Consumer Access?
It isn't always required, but it lets borrowers verify you in one click, and many companies ask for it. We link it by default.
Is the Equal Housing logo required on a website?
Fair housing advertising guidance expects the equal housing statement or logo on advertising, and lenders typically require it on every page of an LO site. We use the text, or the official logo file if your company provides it.
Does the compliance block appear on every page?
Yes — it lives in the site-wide footer, so a page can't accidentally go live without it.
What happens when my licenses change?
Tell us and we update the block the same business day. Switching companies is handled on the start day.
Who decides the exact wording?
Your company's compliance team. We start from their standard wording and send the block for approval in the Day 3 packet.
Is this legal advice?
No. We explain what mortgage sites commonly must show and build to your company's requirements. Your compliance team or counsel decides.
Where else should my NMLS ID appear?
Social bios, email signatures, business cards and ads — see the table on this page.
Launch day in 5 business days
A footer that's right on every page.
Every plan includes the compliance block, built to your company's wording.
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