Services / State Matrices
Every state's answer, in one grid.
Fees, disclosures, prepayment, high-cost — for every state you lend in, AI-verified against the cited source and exportable to Excel.
Why this matters.
A lender in fifteen states has fifteen different answers to "can we charge this fee?" or "does a prepayment penalty survive here?" Those answers live in fifty separate statute books, and the incumbent tools bury them in click-through accordions you have to expand one state at a time.
Reglith turns them into a single grid you can filter and export — so the answer for all your states is one screen, not a fifty-tab afternoon. Every cell shown is AI-verified against the source it cites and linked to it.
What this looks like.
How we do it.
Statute discovery
For each state and topic we search the controlling provision — often a state statute or a Cornell-LII regulation — and verify the source by fetching it, never guessing a URL.
AI cell generation
The cited statute text is summarized into a structured answer — value, citation anchor, and a confidence rating — grounded in the source, never invented.
Verified before publish
Every generated cell stays a draft until an AI check, run by fetching the cited source, confirms that the source supports the answer, and the source is classed as a primary or secondary legal authority. Only those cells are published to the grid. Cells are not individually human-reviewed, so confirm against the cited source before relying on one.
What's in the product today.
Per-state answers across the questions multi-state shops actually ask: permissible fees, required documents, disclosure timing, prepayment penalties, high-cost thresholds
A true on-screen table you can filter and export to Excel — not a click-through, one-state-at-a-time accordion
Every displayed cell is AI-verified against its cited primary source before it is shown — the source must actually state the answer, or it never reaches customers
Each cell links to the cited statute, so the answer is a shortcut, not the source of truth
Export any matrix to Excel for your policy binder or an examiner
A confidence rating shown on every cell, so you can see how firm each answer is
A slice of this is free and public — browse mortgage compliance rules by state, with the controlling citation on every answer.