For Mortgage Brokers & Lenders
AI Reads Every Page
of Your Loan Package.
33 mortgage-specific risks scanned in 90 seconds. TILA/RESPA (TRID) tolerance checks, predatory lending indicators, fair lending compliance, Dodd-Frank compensation rules, ATR documentation gaps. Plus $150 loan signing notarization and free e-signatures on enterprise plans.
Every compliance gap in your loan package — caught automatically.
TILA/RESPA (TRID) Violations
LE/CD timing, zero-tolerance items, 10% cumulative tolerance thresholds.
Fair Lending / Redlining
ECOA/Fair Housing lending pattern violations. Treble damages.
Dodd-Frank Compensation
Broker comp tied to loan terms. Dual comp prohibited under 12 CFR 1026.36(d).
Predatory Lending Indicators
Fees >5% QM threshold, balloons, negative amortization, steering.
NMLS Licensing Gap
MLO without proper NMLS registration per SAFE Act.
Ability-to-Repay (ATR) Gap
Insufficient documentation of the 8 required ATR factors per Reg Z.
Rate Lock Pitfalls
Duration, expiration, extension fees, float-down rights unclear.
Servicing Transfer Notice
RESPA Section 6: 15-day advance notice required.
Affiliated Business Kickback
RESPA Section 8 AfBA violations. $10K fine + 1 year per violation.
$150 loan signing notarization. AI pre-checked.
AI Scans BEFORE the Notary Signs
Unlike traditional loan signings where errors are found AT the table, ClosingIQ scans the entire 100-175 page package BEFORE the notary session. Name mismatches between documents, incorrect property addresses, TRID tolerance violations, missing signatures — all caught before your borrower sits down.
$150
Loan signing notarization
90 sec
AI pre-scan of full package
33
Mortgage-specific risks checked
$1,000-4,000/month from a single mortgage broker.
| Service | Volume/Mo | Revenue |
|---|---|---|
| Loan Signing Notarization ($150) | 5-20 | $750-3,000 |
| AI Package Scan ($10-50) | 20-50 | $200-500 |
| E-Signatures | 100-500 | FREE (enterprise) |
| Total per account | $1,000-4,000/mo |
30,000 mortgage broker shops in the US. At 1% penetration: $3.6M-14.4M/year.
