Mortgage compliance rules by state
A free, citation-backed reference to how mortgage rules differ across states. Each answer links to the statute or regulation it came from, so you can verify it yourself.
Prepayment Penalty Rules by state
Whether prepayment penalties are permitted, and any restrictions on term, amount, or loan type by state.
44 states covered
Disclosure Requirements by state
State-specific disclosure obligations across loan phases (pre-application, application, pre-closing, closing).
38 states covered
Required Documents by state
Documents required from the borrower at each loan milestone (application, disclosure, underwriting, closing) by state.
30 states covered
Permissible Fees by state
Which origination fees, points, and charges are permitted or capped for mortgage brokers vs. lenders, by state.
17 states covered
High-Cost Thresholds by state
State-level rate-spread or points-and-fees thresholds that trigger high-cost or anti-predatory loan rules.
3 states covered
Researched and verified against primary sources by AI, with the controlling citation shown on every answer. Not human-reviewed and not legal advice — confirm against the cited source before relying on it.