Mortgage Brokerage Compliance Services

Stay Audit‑Ready & Risk‑Free — We Manage Your Compliance Framework.

In today’s mortgage environment, the regulatory stakes are high. From federal laws to state‑specific rules, every loan brokerage faces constant scrutiny. At Co/LAB Broker Concierge, we take the compliance weight off your shoulders—so you can focus on growth, while your business stays compliant and protected.

What We Handle for Your Brokerage

Compliance isn’t a one‑time event—it’s an ongoing journey. We build and manage the infrastructure your brokerage needs to remain compliant, transparent and efficient.

Policies & Procedures Management — We develop and update your core compliance manuals, including AML, fair lending, privacy and internal control frameworks.
Audit‑Ready Program Design — From internal reviews to external vendor risk, we set up processes so you’re prepared for regulators, investors or state examinations.
Continuing Education & License Tracking — We monitor your team’s CE requirements, track certifications and make sure renewal‑dates don’t slip through the cracks.
Regulatory Filings & Reporting — We submit required reports such as Mortgage Call Reports (MCRs), state‑specific disclosures and annual compliance filings on your behalf.
Branch & Multi‑State Compliance Oversight — Expanding into new states or adding branches adds complexity. We ensure each location meets local rules and your central system stays consistent.

Compliance & Your Timeline

You’ll see that compliance isn’t a chaotic scramble—it’s a planned framework with repeatable steps. We map a timeline so your program is built and maintained with purpose.

Discovery Call – We map your state footprint, key risks and compliance needs.
Program Roadmap – We deliver a custom compliance calendar: policies, reviews, filings, renewals.
Implementation Phase – We deploy your program: manuals, tracking systems, education scheduling, oversight.
Active Monitoring – We watch deadlines, file reports, alert you to changes and keep your team certification‑ready.
Ongoing Review – We review annually (or semi‑annually) your program, identify gaps, make updates and align with evolving regulatory trends.

Key Benefits

When compliance is managed properly, it becomes a strategic advantage rather than a drag. Here’s what you’ll gain:

Reduced Regulatory Risk — With a solid compliance infrastructure, you avoid fines, state actions or investor push‑back.
Consistent Business Focus — While we manage compliance logistics, you stay focused on closing loans, recruiting and scaling.
Audit‑Ready at All Times — No more scrambling when your regulator or investor shows up—documentation and training are up to date.
Scalable Compliance Framework — Whether you’re one person or a multi‑state brokerage, our program grows with you and adapts to change.

Full-Service Licensing Support
for Mortgage Brokerages

From single-state startups to national expansion,
our expert team handles every step of your licensing journey.

Annual Compliance Calendar

Your Year at a Glance

We build and manage a custom compliance calendar that tracks all reporting deadlines, renewal requirements, and filing due dates to keep your brokerage on schedule and in good standing.

Mortgage Call Report (MCR) Filing

Quarterly and Annual Submissions

We prepare and submit your MCRs through the NMLS, ensuring accuracy, timeliness, and compliance with state and federal guidelines.

Closed Loan File Reviews

Ensure Every File Meets Audit Standards

We conduct periodic reviews of closed loan files to verify they meet investor, regulatory, and internal compliance criteria—helping you catch and fix issues before they become problems.

Advertising & Marketing Compliance

Promote Responsibly and Legally

We review your ads, social media, website content, and marketing materials to ensure they meet federal and state advertising guidelines for mortgage brokers.

Training & Continuing Education Tracking

Keep Your Team Fully Compliant

We monitor CE deadlines and license renewal requirements, maintain certificate records, and notify your team of upcoming training needs to ensure every individual stays compliant.

Audit Preparation & Support

Stay Ready for Regulator Reviews

We organize and maintain the necessary documentation and reports regulators may request. If an audit occurs, we help you prepare and support you throughout the process.

STILL NOT SURE?

Frequently Asked Questions

Clear answers to the common compliance‑questions mortgage brokers ask.

What’s included in a compliance program for a mortgage brokerage?

A full program includes written policies and procedures, ongoing training, internal audit processes, risk‑assessment reviews, report submissions and program documentation that supports your regulator/investor requirements.

How often do I need to update my compliance materials?

Policies should be reviewed at least annually and whenever laws change. We monitor these changes and make updates proactively.

What if I have branches in multiple states?

We coordinate program oversight for each branch and each state’s specific rules while keeping your central compliance framework consistent and efficient.

Can you support my team’s continuing education (CE) tracking?

Yes. We monitor, record and store CE certificates for your team—so you remain fully compliant and audit‑ready.

What types of reports do you help us file?

We assist with Mortgage Call Reports (MCRs), Financial Condition Reports, state-specific filings, annual compliance attestations, and any other required regulator documentation based on your state footprint.

Do I still need an in-house compliance officer if I use your service?

Yes. Most states require a designated compliance officer—even if it’s the brokerage owner. For many small firms, the owner typically fills this role. While you retain final sign-off responsibility, our team handles the day-to-day compliance tasks, tracking deadlines, preparing reports, and ensuring everything is completed accurately for your review and submission.

What happens if my business is selected for a state audit?

Our compliance management program is designed to keep your brokerage audit-ready at all times. The longer we work together, the more thorough and organized your records will be—making audits far less stressful. While compliance can’t be built overnight, our proactive process ensures you're well-prepared when the time comes.