Mortgage Compliance Map
Published on June 01, 2026 / By ActiveComply
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| State | Policy |
|---|---|
| Alabama | [3 years] <b>Mortgage</b> brokers must maintain their books and records for three years after the last entry on any transaction. Ala. Code 5–25-9. Consumer credit licensees must keep their records for at least two years after the last entry on any transaction. Ala. Code 5–19-24(a). |
| Alaska | [3 years] Mortgage licensees and depository institutions must maintain “a copy of advertising that references the mortgage licensee’s or the registered depository institution’s business, or that was paid for by the mortgage licensee or the registered depository institution” for three years after the date the document was created. Alaska Admin. Code tit. 3 § 14.420(a)(5). “Advertising’ means making or permitting to be made any oral, written, graphic, or pictorial statements, in any manner, whether in print, aurally, or by electronic means, in the course of the solicitation of business.” Alaska Admin. Code tit. 3 § 14.990(b)(1). |
| Arizona | [2 years] Mortgage licensees must maintain a sample of each piece of advertising relating to their business in Arizona for two years. Ariz. Admin. Code R20-4–917; R20-4–1806. |
| Arkansas | [Indefinitely] Mortgage licensees must maintain a “copy of all advertising used by the licensee in Arkansas that sets forth any rates or terms of a mortgage loan.” Ark. Admin. Code 214–00.2–5011(a)(1). |
| California | [3 years]Any advertisements “for investments in trust deeds secured by one or more interests in real property shall be retained for a period of three years from the date of its last publication or use.” Cal. Code Regs. Tit. 10, § 2848. Additionally, residential mortgage lenders must maintain all advertisements for at least ninety days from the date of last use. Cal. Fin Code § 50309. |
| Colorado | [4 years]Mortgage loan originators and mortgage companies must maintain copies of all advertisements for four years. 4 Colo. Admin. Code 725–3:5.1. Advertisements expressly include commercial messages on the Internet. 4 Colo. Admin. Code 725–3:1.1.4. |
| Connecticut | [5 years] Mortgage brokers and licensees must generally maintain records for each loan transaction for two years following final payment or assignment. Conn. Gen. Stat. § 36a-493(b)(1). Specific records, including the note and closing disclosure, must be maintained for five years following the transaction. Conn. Gen. Stat. § 36a-493(b)(2). |
| Delaware | [2 years] Mortgage loan brokers and licensed lenders must maintain copies of advertising for two years. Code Del. Regs 5 101 (Schedule B); Code Del. Regs. 5 2202 et seq. Licensed lenders must specifically maintain a copy of each Internet advertisement. Code Del. Regs. 5 2202–1.7.4. |
| District of Columbia | [3 years] Mortgage licensees must maintain a file of all circulated advertising materials for three years. D.C. Mun. Regs. Subt. 26-C § 112-.1(j). |
| Florida | [2 years] Mortgage licensees must maintain a record of samples of each of their advertisements for two years after the date of publication. Fla. Stat. § 494.00165(2). |
| Georgia | [5 years] In 2015, the Georgia Department of Banking informally stated that social media advertising is subject to the same rules as conventional advertising. Advertisements, 1 Res. Mort. Lend. State Reg. Man. South Eastern Georgia Mortgage Lending § 2:1. Additionally, Georgia’s mortgage regulations define “advertisement” as including website material used or intended to be used to induce the public to apply for a mortgage loan. Ga. Comp. R. & Regs 80–11-1.02(f). |
| Hawaii | No requirements outlined by state law. |
| Idaho | [5 years] Licensed mortgage brokers and lenders must maintain records in accordance with GAAP. Idaho Code 26–21-208. Records pertaining to a loan must be maintained for five years after final entry on the loan. Id. |
| Illinois | [3 years] Mortgage licensees must generally maintain records regarding a home mortgage for three years. 205 Ill. Comp. Stat. 635/2–4; Ill. Admin. Code 1050.1176. |
| Indiana | [2 years] Mortgage licensees must maintain records concerning any first lien mortgage transaction for two years after final entry on the loan (this may include advertisements connected to the loan). Ind. Code 24–4.4–2-405(1); 750 Ind. Admin. Code 9–4– 1(1)(a). |
| Iowa | [3 years] Mortgage licensees must maintain copies of all advertisements and solicitations concerning mortgage business directed at Iowa residents for three years. Iowa Admin. Code 187–18.16(9). This includes advertisements on the Internet or by other electronic means. Id. The ads must be maintained in the format in which they were published. Id. |
| Kansas | [3 years] Mortgage licensees must maintain “all solicitations and published advertisements concerning mortgage business directed at Kansas residents, including those on the internet or by other electronic means” for three years. Kans. Stat. § 9–2208. |
| Kentucky | [5 years] Licensed mortgage loan companies and mortgage loan brokers must retain loan records for five years. Ky. Rev. Stat. § 286.8–160. |
| Louisiana | [3 years] Mortgage licensees must retain records for three years from the date of a loan application. Office of Financial Institutions Policy No. RML-01–01 (Apr. 19, 2001). |
| Maine | [2 years] Lenders subject to Maine’s Consumer Credit Code, including supervised lenders, must maintain records of consumer credit transactions for two years after the final entry on the account involved. Me. Rev. Stat. 9-A § 1–111. Additionally, many documents relating to real estate loans must be maintained for six years after the date of final activity. 02–029 Code Me. R. Ch. 101, § VI. |
| Maryland | [2 years] Mortgage licensees must maintain records of a loan transaction for twenty-five months. COMAR 09.03.06.04A. For lenders, this period runs from the date a loan is denied, repayment is made in full, or the loan is sold, whichever occurs first. Id. For servicers, this period runs from the date final payment is made or the loan is sold, whichever occurs first. Id. For brokers, this period runs from the date the loan is made or denied. Id. |
| Massachusetts | [3 years] Mortgage licensees must maintain a copy of each separate advertisement— including those in electronic media—for three years from the date of publication. 209 Mass. Admin. Code 42.09(3). |
| Michigan | [2 years] Loan application records must be retained for twenty-five months after the application is submitted or the loan is repaid, whichever is earlier. Mich. Comp. Laws 445.1607. Additionally, mortgage licensees and registrants must keep mortgage loan documents available until transfer or assignment, or three years after the loan is closed, whichever is earlier. Mich. Comp. Laws 445.1671. Finally, licensees and registrants must preserve all records and documents pertaining to their business for three years after the conclusion of the fiscal year in which the document was created. Id. |
| Minnesota | [5 years] Mortgage licensees and exempt persons must maintain advertisements regarding residential mortgage loans for five years. Minn. Stat. § 58.14(5). Advertisements include “any illustration, circular, or statement that presents information to the public in either a paper, electronic, or other medium that is intended to attract clients, generate interest, or otherwise make known the existence of the licensee and which addresses services, fees, or products provided by or available through the licensee, including, but not limited to, interest rates, loan origination fees, types of available loans, discount points, closing costs, or sample mortgage terms.” Minn. Stat. § 58.02(3a). |
| Mississippi | [3 years] Mortgage licensees must maintain records for three years preceding the date of the last license application date forward. Miss. Code § 81–18– 21(1). |
| Missouri | [3 years] Mortgage licensees must generally maintain records for three years. Mo. Stat. § 443.827; 20 Mo. Code State Reg. 1140–30.270; 20 Mo. Code State Reg. 2250–8.160. |
| Montana | [5 years] Under Montana law, advertising expressly includes social media. Mont. Admin. Code 32–9-103(2) (“Advertising’ means a commercial message in any medium, including social media and software, that promotes, either directly or indirectly, a residential mortgage loan transaction”) (emphasis added). Accordingly, mortgage licensees must maintain copies of their social media for five years. See Mont. Admin. Code 2.59.1724(8). |
| Nebraska | [3 years] Mortgage licensees must maintain copies of documents and records for three years after the date a loan is funded or the loan application is denied or withdrawn. Neb. Rev. Stat. § 45–737(8). |
| Nevada | [Indefinitely] Mortgage licensees must maintain “a copy of each item of advertising material that was published or distributed by or on behalf of the mortgage broker in the format in which the material was published or distributed” at all times. Nev. Admin. Code 645B.072(6); Nev. Rev. Stat. 645B.080(1). Advertising includes Internet sites that promote or accept loan applications. Nev. Admin. Code 645B.240(12)(i). Separately, licensees must maintain advertising approvals issued by the Mortgage Lending Division for one year after the last date an advertisement is used. Nev. Admin. Code 645B.240(8). |
| New Hampshire | [3 years] Mortgage licensees must maintain a copy of all advertisements for three years from the first publication of the advertisement. N.H. Stat. § 397-A:14-a. |
| New Jersey | [3 years] All books, accounts, records and other documents pertaining to a mortgage business must be retained, including: 1. trust account records; 2. advertising records; 3. an itemized list of reimbursable services received from real estate brokers; and 4. credit life, credit health and disability insurance records. Books, accounts, records and other documents pertaining to a mortgage lender, broker and loan originator’s business must be kept for at least 3 years after making the final entry on any application or loan. |
| New Mexico | [6 years] Mortgage loan companies and brokers must maintain records for six years. N.M. Stat. § 58–21-11. |
| New York | [2 years] Mortgage licensees must maintain a record of samples of their “advertisements (including commercial scripts of all radio broadcasts, television broadcasts and electronic media)… for a period of two years from the date of publication.” 3 N.Y. Admin. Code 38.2(f). |
| North Carolina | [1 year] Mortgage licensees must “maintain a record of samples of each piece of advertising relating to the licensee’s business of mortgage lending or mortgage brokerage in North Carolina” for one year. 4 NCAC 3M.0501(f). |
| North Dakota | [6 years] Licensed money brokers must keep a record of all sums collected by them and all loans completed for six years from the last entry. N.D. Cent. Code 13–04.1–07. |
| Ohio | [4 years] Mortgage licensees must maintain a file of all advertising for four years from the date the advertisement was published, broadcast, or disseminated. Ohio Admin. Code 1301:8–7-06. |
| Oklahoma | [4 years] Mortgage brokers, lenders, and loan originators must maintain records related to their mortgage business for the longer of (1) four years from the date of the initial transaction, or (2) two years from the date of the final entry in such records. Okla. Admin. Code 160:55–7-1.2 |
| Oregon | [5 years] Licensed mortgage bankers and brokers must maintain records, including advertising, for five years. ORS 86A.112; OAR 441– 865‑0010 et seq. Mortgage bankers and brokers are also required to maintain copies of “all published editions of Internet webpages accessible by borrowers” and “all versions of software applications designed to be downloaded and run on a mobile device’s operating system by a borrower.” OAR 441–865– 0030. Under the Oregon Administrative Rules, mortgage advertising expressly includes online ads that appear “via social media.” OAR 441–850-0005. |
| Pennsylvania | [4 years] Mortgage licensees must retain records for four years. 7 Pa. Con. Stat. § 6135(2). |
| Rhode Island | [3 years] Mortgage lenders and loan brokers must maintain a record of all actions taken, from the original point of contact with a borrower to the final disposition of each financing request. R.I. Admin. Code 11–2-6:9. Loan brokers must retain these records for three years from the loan application date; mortgage lenders must retain them for three years from the date a loan is paid in full or sold. Id. |
| South Carolina | [3 years] Mortgage brokers must maintain books and records for three years. S.C. Stat. § 40–58-65(A). |
| South Dakota | [5 years] Mortgage licensees must preserve loan applications, loan files, records of cash and checks, HUD-1 statements, lock-in agreements, required disclosures, escrow agreements, loan commitments, and listings of loan originators for at least five years. S.D. Admin. R. 20:07:19:08. |
| Tennessee | [2 years] Mortgage licensees must maintain records for twenty-four months (on loans paid in full) or twenty-five months (on rejected applications). TCA 45–13-207(a);Tenn. Comp. R. & Regs. § 0180–17-.15 |
| Texas | [3 years] Mortgage companies and originators must maintain “copies of all advertisements in the medium (e.g., recorded audio, video, and print) in which they were published or distributed” for three years. Tex. Admin. Code 80.204(b)(3)(G).1 |
| Utah | [4 years] Mortgage licensees must maintain records for four years after final entry on a loan. Utah Stat. § 61– 2c-302(2). For loan servicers, this period runs from the date the loan is paid in fill or the date the licensee ceases to service the loan. Id. |
| Vermont | [7 years] Licensed servicers must maintain records for seven years after the final entry on a loan. Vt. Stat. Ann. tit. 8 § 2918.3. Additionally, on October 26, 2016, Vermont’s Department of Financial Regulation issued a bulletin on social media and advertising practices. |
| Virginia | [3 years] Mortgage licensees must maintain examples of every advertisement used for three years after last publication. 10 Va. Admin. Code 5–160-60(I). This requirement includes solicitation letters, commercial scripts, and recordings of all radio and TV broadcasts, but excludes webpages. Id. |
| Washington | [3 years] Mortgage brokers must maintain copies of all advertisements placed by or at the request of the broker which mention rates or fees for three years. RCW 19.146.060; Wash. Admin. Code 208–660-450. Advertising includes advertisements distributed directly by computer network. Wash. Admin. Code 208–660-450. |
| West Virginia | [3 years] Mortgage licensees must maintain one copy of all advertising material used during the prior three years. W. Va. Code St. R. 106–5-8.1. |
| Wisconsin | [3 years] Mortgage licensees must maintain records for three years from the date of closing or the date of loan application. Wisc. Stat. § 224.75. |
| Wyoming | [2 years] Mortgage licensees must maintain records for twenty-five months from the date of closing. Wyo. Stat. § 40–23-112(a) |