Real-time, 50-state regulatory logic for direct & private lenders. Eight automated checks per loan. Every decision logged, timestamped, retained for seven years. Built for lenders — that's where it lives in the platform.
The engine runs against current statute and current regulator data — not a snapshot taken at integration time.
NMLS, DRE, DFPI lookups at application and pre-funding. Sponsorship verified per originator.
FNMA, FHLMC, GNMA, HUD, VA seller/servicer IDs verified.
DFPI floors monitored against quarterly MCRs. Surety bond currency alerts.
MLDS, TRID, TILA/RESPA/ECOA/FCRA timing enforced by the engine.
Covered-loan thresholds flagged before funding under each state's code.
CIP + sanctions screening at application and pre-funding.
Single point of contact, no dual-tracking, post-sale timing.
Timestamped, signed, retained ≥7 years. One-click regulator export.
Lender-side compliance snapshot for residential mortgage activity. Pick a state below to see the licensing track, key statute, and current PHOCIS coverage. Full state-by-state compliance brief available on request.
The AI State Compliance Engine is built for direct & private lenders. Contractors and family offices interact with PHOCIS through different workflows — see the Contractor or Family Office pages.
Every sector gets a different demo. Pick the one that fits.
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