Reglith vs AllRegs

AllRegs is the incumbent mortgage reference library. We audited a live account on June 27, 2026 to write this page. The short version: they have the deeper archive, we have the change-to-policy workflow and a price you can sign up for yourself.

What AllRegs does better

Leading with this because it is the honest answer, and because if you need what is in this section you should buy theirs.

Reference breadth. Their State Compliance package covers 53 jurisdictions across six topic areas — laws and regulations, analysis and commentary, disclosure matrix, permissible fees, compliance checklist, and forms. Our published state matrices currently cover 5 topics, with the widest reaching 44 states. They are ahead on this, and it is the main reason to choose them.
Investor and proprietary libraries. Their Investor Library and Our Library modules hold licensed content we do not carry at all.
Archive depth. Decades of historical guideline versions. If you need to know what a guideline said in 2014, they have it and we do not.

Where Reglith is different

Change monitoring is the product, not a feed. Their own E-Alerts documentation states, verbatim, that “there is no way to be automatically alerted to every update to AllRegs” — exhaustive change tracking falls back to reading tables of contents. We monitor 14 federal and GSE sources plus 50-state regulator scrapers, enforcement actions and the eCFR change feed, with drift detection that flags a source going quiet.
It maps changes to your policies. Upload your policy set and a new rule is scored against it, with a drafted revision for the sections that need to change. AllRegs is a library — it tells you what the rule says, not what it means for your documents.
One search box. They ship keyword search and a generative assistant as two products, and the assistant needs content areas ticked before you ask. We ship one retrieval-backed Ask with citations, available in context on whatever you are reading.
$79/month, all in, self-serve. Their libraries are paywalled per module — several were locked in the account we audited. One price here, everything included, card not required for the 14-day trial.

Side by side

	AllRegs	Reglith
State compliance matrices	53 jurisdictions, 6 topic areas	5 topics, up to 44 states — free and public
Matrix presentation	Nested accordion; flat view needs the Excel export	Filterable on-screen grid, plus export
Change alerting	E-Alerts, documented as not covering every update	14 federal/GSE sources, 50-state scrapers, enforcement, eCFR change feed, drift detection
Policy impact analysis	Not offered	Scored impact per policy, with drafted revisions
Search	Keyword search plus a separate assistant with scope checkboxes	One Ask with citations, in context
State license library	Covered within State Compliance	888 licenses, 334 mortgage-related published free
Pricing	Quote-based, modular per library	$79/month, everything included, 14-day trial without a card

Which should you pick

If your work is reference lookup — you need the broadest archive of guideline text and historical versions, and you have the budget for enterprise licensing — AllRegs is the deeper library and we would not pretend otherwise.

If your work is keeping a policy set current — you need to know what changed this week, which of your documents it touches, and what to edit — that is the problem Reglith is built around, at a price a small compliance team can approve without a procurement cycle.

See the data before you sign up

We publish a slice of the reference data free, with citations, so you can judge the quality without a trial: state compliance rules, mortgage licensing requirements by state, and plain-English summaries of every change we track.