Mortgage Lending · Compliance & Regulatory
State-by-state lending requirements
A reference chart of the licensing, disclosure, fee, and rate rules a mortgage lender must follow in each state where it lends.
What it usually contains
- State licensing and registration requirements for the lender and loan officers
- Usury caps, allowable fees, and prepayment penalty limits by state
- Required state-specific disclosures and timing of delivery
- High-cost and predatory lending thresholds and tests
- Appraisal, notary, closing, and recording rules that differ by state
What the assistant uses it for
Answers whether a loan can be originated in a given state and under what terms, fees, and disclosures. Useful for checking licensing coverage, rate and fee caps, and which state forms must go in the closing package.
How it is versioned
A document of this type has exactly one current version at a time. Upload a revision and it becomes the version that counts — the one before it is kept and dated, but is no longer what your assistant answers from. Nothing is ever deleted, so you can always show what this document said on a given date.
More in Compliance & Regulatory
Filed alongside this one.
On one AI system
Everything your company knows.
One version that counts.
You already own the documents. We make them the only thing your AI is allowed to answer from, and we keep them current — so nobody quotes last year’s price by accident again.