Mortgage Lending Compliance Services
Compliance Services for Mortgage Lenders
We help mortgage lenders manage licensing, build compliance programs, and manage ongoing requirements, including disclosures, filings, and audits. Whether you're just starting out or already operating at scale, we tailor our support to your needs.
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Challenges
Mortgage Lending Can Be Challenging
Mortgage Lending Can Be Challenging
The mortgage industry is tightly regulated, and lenders must juggle multiple laws, state regulators, and shifting exam expectations, all while trying to grow their business.
The mortgage industry is tightly regulated, and lenders must juggle multiple laws, state regulators, and shifting exam expectations, all while trying to grow their business.
The Rules Keep Changing
Federal rules, such as TRID, ECOA, and HMDA, are frequently updated. Lenders need to adapt quickly to stay compliant without slowing down operations.
The Rules Keep Changing
Federal rules, such as TRID, ECOA, and HMDA, are frequently updated. Lenders need to adapt quickly to stay compliant without slowing down operations.
The Rules Keep Changing
Federal rules, such as TRID, ECOA, and HMDA, are frequently updated. Lenders need to adapt quickly to stay compliant without slowing down operations.
Working Across States Complicates a Lot
Multi-state lending adds complexity to licensing, disclosures, and servicing rules. It’s easy to miss something when every state plays by different rules.
Working Across States Complicates a Lot
Multi-state lending adds complexity to licensing, disclosures, and servicing rules. It’s easy to miss something when every state plays by different rules.
Working Across States Complicates a Lot
Multi-state lending adds complexity to licensing, disclosures, and servicing rules. It’s easy to miss something when every state plays by different rules.
Examiners Want Documentation
Regulators won’t just take your word for it. They want written policies, training logs, audit trails, and data reports that back up every claim.
Examiners Want Documentation
Regulators won’t just take your word for it. They want written policies, training logs, audit trails, and data reports that back up every claim.
Examiners Want Documentation
Regulators won’t just take your word for it. They want written policies, training logs, audit trails, and data reports that back up every claim.
Regulators
Who Regulates Mortgage Lenders
Mortgage lenders deal with multiple regulators at both the state and federal levels. Oversight varies depending on your business model, licenses, and where you operate.
Frameworks
Legal Frameworks Behind Mortgage Compliance
Legal Frameworks Behind Mortgage Compliance
Mortgage lending is governed by laws that focus on consumer protection, data accuracy, privacy, and fair treatment. Each framework adds its own layer of requirements, from disclosures to anti-discrimination.
Mortgage lending is governed by laws that focus on consumer protection, data accuracy, privacy, and fair treatment. Each framework adds its own layer of requirements, from disclosures to anti-discrimination.
How We Help
Let Us Manage Compliance While You Focus on Growth
01
Get Licensed
We help you map your licensing strategy, prepare your filings, and respond to regulators across all relevant states.
01
Get Licensed
We help you map your licensing strategy, prepare your filings, and respond to regulators across all relevant states.
02
Build your Compliance Program
We draft your policies, structure your workflows, and help you build a system that fits your business and mitigates regulatory risks.
02
Build your Compliance Program
We draft your policies, structure your workflows, and help you build a system that fits your business and mitigates regulatory risks.
03
Manage Day-to-Day Compliance
We handle operational tasks like filings, surveillance, and recordkeeping, so your team can stay focused on lending.
03
Manage Day-to-Day Compliance
We handle operational tasks like filings, surveillance, and recordkeeping, so your team can stay focused on lending.
04
Fill Key Compliance Roles
If needed, we can serve as your outsourced compliance team or provide qualified individuals for required roles.
04
Fill Key Compliance Roles
If needed, we can serve as your outsourced compliance team or provide qualified individuals for required roles.
Why InnReg
Your Compliance Partner in Lending
We don’t just tell you what to do. We actually do the work. Our specialists integrate into your team, manage tasks through tools like Asana, and cover everything from licensing and filings to oversight and reporting. With InnReg, you get an entire compliance department that knows mortgage lending and adapts to your workflow.
Decades of Experience
Our team brings together multiple decades of cumulative experience in regulatory compliance and fintech.
Decades of Experience
Our team brings together multiple decades of cumulative experience in regulatory compliance and fintech.
Full-Service Solutions
InnReg can cover your entire compliance journey, from strategic planning to daily operations.
Full-Service Solutions
InnReg can cover your entire compliance journey, from strategic planning to daily operations.
Seamless Integration
InnReg's team integrates into your organization to complement your existing resources and structures.
Seamless Integration
InnReg's team integrates into your organization to complement your existing resources and structures.
Expertise on Your Niche
Work directly with our regulatory specialists, each selected for their unique expertise in your specific niche.
Expertise on Your Niche
Work directly with our regulatory specialists, each selected for their unique expertise in your specific niche.
Worldwide Expertise
With a diverse team around the globe, InnReg supports international firms in navigating multi-jurisdictional landscapes.
Worldwide Expertise
With a diverse team around the globe, InnReg supports international firms in navigating multi-jurisdictional landscapes.
Cost-Effective Services
Compliance outsourcing for financial services firms can provide significant cost savings while promoting innovation.
Cost-Effective Services
Compliance outsourcing for financial services firms can provide significant cost savings while promoting innovation.
Resources
Latest Content
Articles
Downloads
Apr 22, 2025
·
16 min read
Articles
Downloads
Apr 22, 2025
·
16 min read
FAQ
Your Mortgage Lending Compliance Questions Answered
Your Mortgage Lending Compliance Questions Answered
What licenses do I need to operate as a mortgage lender?
What licenses do I need to operate as a mortgage lender?
Which federal laws apply to mortgage lenders?
Which federal laws apply to mortgage lenders?
Do mortgage lenders have to report data?
Do mortgage lenders have to report data?
What is the difference between a mortgage lender and a mortgage broker?
What is the difference between a mortgage lender and a mortgage broker?
What disclosures must mortgage lenders provide to borrowers?
What disclosures must mortgage lenders provide to borrowers?
How do regulators monitor mortgage lenders for discrimination?
How do regulators monitor mortgage lenders for discrimination?
Can I outsource my compliance function as a mortgage lender?
Can I outsource my compliance function as a mortgage lender?
What is TRID, and why does it matter for lenders?
What is TRID, and why does it matter for lenders?
What reporting do lenders need under GLBA?
What reporting do lenders need under GLBA?
Do we need to report HMDA data if we’re a small mortgage lender?
Do we need to report HMDA data if we’re a small mortgage lender?
Let's Talk About Your Compliance Needs
Let's Talk About Your Compliance Needs
Who We Serve
Compliance Services
Compliance Consulting
Compliance Operations
Licensing Services
Resources
About InnReg
The content provided on this website is for informational purposes only and does not constitute legal, investment, tax, or other professional advice. InnReg LLC is not a law firm, tax advisor, or regulated financial institution. Viewing this site or contacting InnReg does not create a client relationship. Results described in case studies or testimonials may not be typical and do not guarantee future outcomes. Tools, spreadsheets, or guides available on this site are provided for illustrative purposes only and should not be relied upon without professional guidance. Any links to third-party websites are provided for convenience and do not constitute endorsement or responsibility for their content. The information on this site may not be applicable in all jurisdictions. While we strive to provide accurate content, we make no representations as to its completeness or timeliness. Some visual assets on this site are sourced from Freepik.
Who We Serve
Compliance Services
Compliance Consulting
Compliance Operations
Licensing Services
Resources
About InnReg
The content provided on this website is for informational purposes only and does not constitute legal, investment, tax, or other professional advice. InnReg LLC is not a law firm, tax advisor, or regulated financial institution. Viewing this site or contacting InnReg does not create a client relationship. Results described in case studies or testimonials may not be typical and do not guarantee future outcomes. Tools, spreadsheets, or guides available on this site are provided for illustrative purposes only and should not be relied upon without professional guidance. Any links to third-party websites are provided for convenience and do not constitute endorsement or responsibility for their content. The information on this site may not be applicable in all jurisdictions. While we strive to provide accurate content, we make no representations as to its completeness or timeliness. Some visual assets on this site are sourced from Freepik.
Who We Serve
Compliance Services
Compliance Consulting
Compliance Operations
Licensing Services
Resources
About InnReg
The content provided on this website is for informational purposes only and does not constitute legal, investment, tax, or other professional advice. InnReg LLC is not a law firm, tax advisor, or regulated financial institution. Viewing this site or contacting InnReg does not create a client relationship. Results described in case studies or testimonials may not be typical and do not guarantee future outcomes. Tools, spreadsheets, or guides available on this site are provided for illustrative purposes only and should not be relied upon without professional guidance. Any links to third-party websites are provided for convenience and do not constitute endorsement or responsibility for their content. The information on this site may not be applicable in all jurisdictions. While we strive to provide accurate content, we make no representations as to its completeness or timeliness. Some visual assets on this site are sourced from Freepik.