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NMLS compliance · 7 min read

NMLS Compliance Checklist for Loan Officer Websites

A non-legal checklist of NMLS, company, licensing, Equal Housing, privacy, consent, and disclosure items to review before launching a loan officer website.

This guide is educational business-planning material only. It is not legal, compliance, marketing, mortgage, or financial advice. Final website content and disclosures should be reviewed by the appropriate loan officer, brokerage, compliance team, or legal counsel before launch.

Make licensing and company context easy to find.

Loan officer websites should leave clear space for officer NMLS ID, company NMLS ID, brokerage/company name, approved contact information, and state-specific license details where required.

  • Loan officer NMLS ID
  • Company name and company NMLS ID
  • State license details where required
  • Approved phone, email, address, and company website

Review borrower-facing claims before launch.

Mortgage website copy should avoid unsupported claims about approvals, rates, payments, savings, closings, leads, search rankings, or business results.

  • No approval or commitment-to-lend language
  • No unreviewed rate or payment quotes
  • No guaranteed savings or closing claims
  • No unsupported superlatives

Check consent, privacy, and Equal Housing placement.

Lead forms, calculator pages, testimonials, footer disclosures, privacy links, terms links, and Equal Housing wording should be reviewed by the appropriate company, compliance, or legal reviewer.

  • Lead form consent language
  • Privacy Policy and Terms of Use
  • Equal Housing wording, logo, or link requirements
  • Calculator and educational estimate disclaimers

Review how compliance handoff works.

The compliance process page explains draft review, requested changes, approval records, and launch readiness.

View Compliance Process