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Massachusetts Examination Response
3 different questionnaires create a confusing myriad of responses
Texas Mortgage Examinations
TX has one of the more transparent examination protocols. Read the Compliance Guide to prepare yourself. We can help with policies and procedures, as well as helping you stack your files. March 2024 - TX has transitioned to the State Examination System to manage questionnaires and submissions. Read our SES articles to understand this process.
Oklahoma Licensing Examinations
A very long, multi-section questionnaire makes this examination seem more daunting than it is.
What do I need for Pennsylvania Licensing?
What are the regulators asking for in the NMLS licensing checklist?
Georgia Ad-Hoc Requests for BSA/AML and IT (Safeguarding) Security Plans
We have received numerous requests from companies who are NOT under a current examination or have recently completed an exam to provide specific plans. Here are instructions for how to locate, extract, and give these SPECIFIC plans to the regulator.
Louisiana Mortgage License Examination Process
Completing the Manager's Questionnaire involves answering questions and preparing your policies and procedures. There are a few wrinkles.
How do I quickly customize my manual
Quick branding and customization is in your hands - 5 minutes or less
What are Independent AML Reviews/Audits?
It's a Federal rule, but states can enforce it. Some states are more specific than others.
Thinking about becoming a lender?
With the changing marketplace, many companies who developed a successful mortgage brokerage want to transition to the next level. What's involved?
HUD/FHA Audit - where are the items in my plans?
This rubric will help you locate where audit items are within your policies and procedures - specifically for HECM Lenders
Michigan - SURPRISE! No surprises.
Michigan, despite the detail required, is extremely transparent about its expectations for examinations. The pace of exams is picking up, so you may wish to review what they require in what they call the "Visitation Handout":
Using the Form 1-4 QC PROC Closed File Pre-Audit Compliance Checklist
The Form 1-4 QC PROC Closed File Pre-Audit Compliance Checklist is used to verify that all required documents are present, complete, and compliant before final loan file archival or regulatory review. It is a core quality control (QC) tool that helps ensure each closed loan meets investor, agency, and federal/state requirements.
Connecticut Loan Broker and Real Estate Agency Dual Authority
Although dual authority is allowed, compensation is limited when collecting fees for both services.
When a Customer Falls for a Hacked Email: What to Do Next
It’s every lender’s nightmare: a borrower receives a hacked email that looks legitimate, wires funds to the fraudster’s account, and suddenly the closing is in jeopardy. Unfortunately, this type of wire fraud has become one of the fastest-growing cybercrimes targeting mortgage transactions. Under your 2-9 IT Security Program, you should be prepared with a structured response plan to minimize loss, assist the customer, and demonstrate compliance to regulators.
New York Licensing Procedure
New York DFS is proud to provide a very challenging application process. If you use MortgageManuals products for your license application or audit, YOU MUST LET US KNOW BEFORE SENDING THEM IN.
Collections
Licensing Examinations and Applications
14 Articles
Updated on November 3, 2025
Compliance
28 Articles
Updated on November 3, 2025
Quality Control
3 Articles
Updated on November 3, 2025
Document Management
15 Articles
Updated on November 3, 2025
Lender, Agency, and Investor Approval
5 Articles
Updated on November 3, 2025
State Examination Support
29 Articles
Updated on November 3, 2025
CyberSecurity
1 Article
Updated on November 3, 2025
Compliance VP and Mortgage Manuals Operations
4 Articles
Updated on November 3, 2025