For lenders and mortgage teams

Your loan officers post. You answer for it.

Every rate graphic, every “approved in 24 hours”, every social post with a number in it is an advertisement under Reg Z and the MAP Rule — and most of it goes out without anyone in compliance seeing it first. We read every piece before it publishes, and keep a dated record that it was read.

Book fifteen minutes Check one of your ads — free

Mortgage teams we work with

  • Total Quality LendingDSCR and non-QM · blogs, social and team content
  • Verified MortgageRetail lending
  • Yeti Mortgage ProcessingThird-party processing

See it on your own ad

Paste something your team actually posted.

Pre-set to the mortgage rule set. No sign-in, nothing installed, and we do not keep your copy. Most people are surprised by what comes back.

Check your copy
Pre-set to the Reg Z rule set. Change it if you need a different industry.
Try one — two fail, one passes:

A screening tool, not legal review. Your compliance officer has the last word.
Free · 25 checks a day · no sign-in. We log which phrases matched — never your copy.

The whole list is published. All 51 phrases this rulebook refuses, grouped by the rule each one breaks, with what to say instead. Read the list →

Already where your team works

It runs inside Follow Up Boss.

Your officers do not have to remember a new tool or paste into another tab. Select any copy on any page — a Follow Up Boss email, a LinkedIn post, a landing page, your LOS notes — right-click, and the gate reads it. It asks for no access to the pages you visit and it is free.

Add it to Chrome Everywhere else it runs →

What we actually run for a mortgage shop

Four things. One gate.

Not just the checker. We build and run the marketing itself — and the difference is the second before any of it publishes, when the same engine reads it against Reg Z and the MAP Rule.

The weekly marketing A finished week, every Monday. Posts, graphics, a calendar and the follow-up, written in your voice and your branch's market. Your officers approve rather than produce. From $59/month. Websites A site that gets found, and then gets used. Built so the machines that answer “who should I use for a mortgage” can read you, with your NMLS and Equal Housing handled rather than remembered. $1,499 to own the build, or $149/month with the software. Getting found Be the answer, not a search result. When a borrower asks an assistant who to call in your town, the answer comes from what it can read about you. Your listings, map pin and answers kept current. From $259. Video Rate and market videos that hold up. Anyone can cut a reel. Here the script goes through the gate before a frame renders, so the rate claim in it is one you can stand behind. From $1,499.

Whichever one makes it, the same gate reads it. 51 mortgage phrases plus the disclosures each piece has to carry, dated and kept. How the record works →

What the mortgage rule set holds

51 phrases, and the disclosures a piece has to carry.

Not a generic profanity list. The mortgage rulebook is built from Reg Z, the Mortgage Acts and Practices Advertising Rule, and the language the CFPB has actually brought actions over.

What it catches

  • Rate and payment claims with no APR beside them
  • Outcome promises — approval, savings, a closing date — stated as fact
  • Figures with no source a reviewer could follow
  • Missing NMLS, missing Equal Housing, missing “not a commitment to lend”

Why it matters per piece

A CFPA Tier 1 penalty is $7,217 per violation and requires no intent — the maximum applies whether or not anyone meant to mislead. Tier 2 is $36,083. The exposure is per advertisement, not per complaint.

Inflation-adjusted statutory maximums, not averages — 12 CFR § 1083.1, read 21 October 2026. A screening tool, not legal advice.

Not ready to book?

Send me one of your ads and I will tell you what I see.

No pitch deck and no obligation — a real read of one live piece, back to you within a working day. If there is nothing wrong with it, I will tell you that too.

Goes straight to Christian. We never sell your details and there is no list to leave.

Working with lenders already

This is not theoretical for us.

Total Quality Lending runs on this. Their blogs, their social and their team content all pass through the same gate before anything is scheduled, and the record of every check is kept. We built the mortgage rulebook because a client needed it, not because it rounded out a feature list.

Book fifteen minutes How the record works →

Prefer to try it before you talk to anyone? The mortgage checker is free and needs no sign-in — paste a real ad and see what comes back.