Partner Verification Policy

During the Marketplace Verification process, RatesQ may review the following, as available:

• Publicly available NMLS license status through NMLS Consumer Access
• State licensing information for the states in which the partner represents they operate
• Basic business entity information
• Platform eligibility requirements and agreement to RatesQ's Partner Terms
• Basic profile completeness and accuracy checks

Marketplace Verification is limited in scope. RatesQ does not:

• Guarantee that a partner holds all required licenses in all states where they operate
• Certify that a partner is in good regulatory standing
• Review individual loan files, pricing practices, or closing records
• Evaluate the quality of a partner's service, consumer satisfaction, or rate competitiveness
• Monitor ongoing compliance with applicable mortgage laws
• Conduct background checks on individual loan officers
• Guarantee the absence of consumer complaints or regulatory actions

• Must hold a valid NMLS license or sponsoring entity NMLS license for their role and states of operation
• Must agree to RatesQ's Partner Terms of Service and Responsible Advertising Policy
• Must provide accurate business and licensing information
• Must not engage in deceptive, misleading, or discriminatory conduct
• Must comply with all applicable federal and state mortgage laws
• Must maintain required licenses for the duration of their participation on the Platform

RatesQ reserves the right to remove, suspend, or deactivate any partner at any time for any reason, including but not limited to violation of platform policies, loss of required licenses, consumer complaints, regulatory actions, or at RatesQ's sole discretion. Removal from the Platform is not a public determination of wrongdoing.

If you believe a partner is engaged in fraudulent, deceptive, unlicensed, or unlawful conduct, report it through the Report Abuse page or contact [email protected]. RatesQ will review reports but cannot guarantee a specific outcome.