For Mortgage Brokers & Loan Officers

Get found in AI, stay inside the rules.

Borrowers ask ChatGPT “best mortgage lender near me” before they apply — but mortgage advertising is governed by Reg Z, Reg N, and fair-lending rules. ScoutRival shows you whether AI names you and drafts compliant content with your NMLS ID, Reg-Z guardrails, and archiving — that you approve before anything publishes.

Run my free visibility scan See the plan

Draft-then-approve, never auto-postNMLS ID + Reg-Z guardrailsEvery ad kept for records

Live · 2 engines checked

AI-Visibility scansummithomelending.com

Prompt tested: “Best mortgage lender in Austin for first-time buyers?”“Mortgage broker near me?”“FHA loan Austin?”

ChatGPT grounded · 7 sources

Named 3 lenders — you weren’t one

Not named

Gemini memory probe

Recalled “Lone Star Lending” by name

Not named

Your AI-Visibility score is 43/100 (±6). Lone Star Lending is cited in the grounded answer and publishes compliant homebuyer content you haven’t.

Illustrative result · a weighted 0–100 score with a confidence band — AI answers change run to run, so this is a measurement, not a fixed rank.

Your morning brief · #1 actionDraft “First-time homebuyer steps in Austin” for review — the exact question borrowers ask AI. NMLS ID and disclosures included; nothing publishes until you approve.

01The problem

Rate isn’t the differentiator online — being found is.

Borrowers research the process and the person before they apply, now starting with AI. But mortgage advertising rules make careless marketing a compliance problem.

Reg Z

Triggers strict rate and payment disclosures.

Mention a rate or “low payment” and specific disclosures are required. One casual post can be a compliance issue, not just a typo.

Src: Reg Z (TILA) · verify

24-mo

Reg N requires keeping every ad on file.

All advertising must be retained. Ad-hoc content with no records is exactly how LOs get flagged.

Src: Reg N recordkeeping · verify

UDAAP

Trigger phrases and fair-lending land mines.

“Guaranteed approval,” steering language, and fair-housing missteps carry real penalties. Content needs guardrails, not vibes.

Src: UDAAP / fair lending · verify

first

Borrowers now ask AI who to trust.

If AI names another lender and you aren’t there, you never get the pre-approval — and the referral partner notices.

Src: buyer behavior · verify

02A day in the life

Illustrative scenario

A first-time buyer at Summit Home Lending

How borrowers now choose a loan officer — before they apply. (scroll)

Marco · loan officer

A first-time buyer asks ChatGPT “best mortgage lender in Austin for first-time buyers.” Summit isn’t named — Lone Star is, with a compliant homebuyer guide. The buyer starts a pre-approval with Lone Star.

The gap

Marco is wary of posting — Reg Z and trigger terms make it risky. So he posts nothing, and a compliant competitor owns the answer.

ScoutRival · draft-then-approve

Marco runs a free scan: 43/100. Action #1: draft a compliant “first-time homebuyer steps” guide. BlogCraft drafts it with his NMLS ID, Reg-Z-aware language, no trigger phrases, and required disclosures; Marco reviews and approves; only then does it publish, and the version is kept on file.

✓

Over the next quarter

A library of compliant, archived guides earns citations. Re-run: Summit now appears in the grounded answer for two of its loan types — borrowers that were quietly going elsewhere, won inside the rules.

03How ScoutRival solves it

AI visibility with mortgage-advertising guardrails built in.

Tap a pain to see exactly what the product does — and how it stays inside the rules.

AI-Visibility check

We ask ChatGPT (web-grounded, with citations) and Gemini (a memory probe) your money prompts — “mortgage lender {city},” “first-time buyer loan near me” — and score how often you’re named, with a confidence band. Measurement only; nothing is published.

“mortgage lender Austin”not named

“first-time buyer loan near me”rival named

“FHA loan {city}”named ✓

You see the channel borrowers now start on — with zero compliance exposure.

Competitor watch + Daily Brief

Track rival lenders’ site, blog, and social. Each morning: the homebuyer content they published, the loan types they’re promoting, the AI answers they’re winning — plus the one draft to consider.

Lone Star published “down payment help” guidetoday

New first-time buyer pageflagged

Draft queued for your reviewready

You compete on compliant content, informed by what rivals do.

Reg-Z-aware drafts

BlogCraft drafts homebuyer education with your NMLS ID included, no trigger terms (“guaranteed,” unqualified rate/payment claims), fair-lending-aware language, and required disclosures. You review and approve; nothing auto-publishes.

“First-time homebuyer steps” — draftyour review

Compliance checks passed5/5

NMLS ID · no trigger terms · disclosurespassed ✓

Content you can publish — because the guardrails are built into the draft.

Publish after approval + records

Once you approve, publish to your WordPress site in a click — with the reviewed version retained for your Reg-N records — and get a graded SEO + AI-visibility audit. Approval-first, archived, and measurable.

Share of voice44%

AI access80

Citability82

Visibility that compounds — inside your advertising-records process.

04Your free scan

In 60 seconds, see which lender AI recommends.

No card, no call, nothing published. Enter your site and one competing lender — we’ll show you the AI answers, your score, and the compliant content they’ve published that you haven’t.

05vs. what you use today

A risky DIY blog vs built-in guardrails.

Posting without Reg-Z guardrails is a compliance risk; posting nothing cedes the AI answer. ScoutRival builds the guardrails in. The honest comparison:

Capability	DIY posts / no marketing	ScoutRival
Tells you if AI names you	No	2-engine grounded check
Drafts include your NMLS ID + disclosures	You remember, maybe	Built into every draft
Avoids trigger terms + fair-lending risk	You hope	Guardrails in the draft
Never auto-publishes	Risk of it	Approval-first by design
Keeps the reviewed ad on file	Ad-hoc	Published copy retained
Typical cost	risk + missed borrowers	$89 / mo (Pro)

ScoutRival is a marketing tool, not a compliance service — you and your compliance team are the final authority. It gives you AI visibility and Reg-Z-aware drafts that you approve, with the published version kept for your records.

06Voices from the field

Built for the LO who wants visibility without the compliance risk.

The voice we built ScoutRival to earn — real stories land here at launch.

Example voices, written from real industry pain points — we’re onboarding founding customers now.

07The math

One loan covers months.

A single funded loan is worth real commission. Being invisible to AI is borrowers choosing the lender it names — while you sit on the sidelines afraid to post.

Pre-approvals you’re losing / month3

Cost of staying invisible / yr

At a conservative ~$3,000 average commission per funded loan — borrowers who chose the lender AI named.

ScoutRival Pro / yr

$1,068

Visibility, competitor intel, and Reg-Z-aware drafts you approve — borrowers won inside the rules.

08Pricing

Start free. Publish only after your review.

Most LOs and brokers land on Pro. Larger and multi-LO shops go Agency. Nothing publishes until you approve.

Free

to try it out

1 brand · 1 seat · 1 competitor
50 credits/mo
Daily Brief + competitor watch
A taste of AI-visibility

Start free

Starter

$29/mo

or $290/yr — 2 months free

1 brand · 1 seat · 5 competitors
1,000 credits/mo
Full content suite + WordPress publish
Best for a single solo location

Choose Starter

Best for loan officers

Pro

$89/mo

or $890/yr — 2 months free

3 brands · 3 seats · 5 competitors each
3,000 credits/mo
BlogCraft long-form + one-click publish
Bring your own AI key = unlimited

Start with a free scan

Agency

$149/mo

or $1,490/yr — 2 months free

5 brands · 5 seats · 7 competitors each
5,000 credits/mo · +1,000 per extra seat
Bring your own AI key = unlimited
White-label · for agencies & multi-client

Choose Agency

Extra Agency seats $25/mo each (+1,000 credits). BYOK zeroes content & AI-visibility costs on Pro and Agency. 14-day money-back on all paid plans.

09FAQ

The honest answers.

Does this keep me compliant with Reg Z and Reg N?

ScoutRival is built draft-then-approve: drafts include your NMLS ID, avoid trigger terms and unqualified rate/payment claims, add required disclosures, and the published version is retained for your records. That said, ScoutRival is a marketing tool, not a compliance service — you and your compliance team are the final authority.

Will it ever auto-publish?

No — never. Approval-first is by design. Every draft routes to you before anything goes live, so you stay inside your advertising and recordkeeping obligations.

Do you touch borrower data?

No. We work only from public web signals — your site, competitors’ sites, and public AI answers. Drafts never reference borrower information, and avoid steering or fair-lending-risky language.

Which AI engines do you actually check?

Two: ChatGPT (web-grounded, so it cites live sources) and Gemini (a “memory probe” — what the model already believes, no citations). They’re deliberately different signals, and we label which is which. We don’t claim to track “every AI” — no honest tool can — we measure the grounded answers your customers are most likely to see.

Is the “AI rank” a real number?

AI answers aren’t a fixed leaderboard — ask the same question twice and the list often changes. We measure it honestly: repeated prompts across ChatGPT (web-grounded, with citations) and Gemini (a memory probe), turned into a weighted 0–100 score with a confidence band. A real measurement, not a made-up rank.

Can I cancel, and is there a guarantee?

Yes to both — cancel anytime, no lock-in, and there’s a 14-day money-back guarantee on paid plans. You can also start on the free plan and never pay a cent until it’s earning its keep.

Two minutes, no card

See which lender AI recommends — without publishing a thing.

Run the free scan on your site and one competitor. It’s measurement only — nothing goes live. If AI is sending borrowers elsewhere, you’ll see it, and get a Reg-Z-aware plan to win them back.

Run my free visibility scan See pricing

Draft-then-approveNMLS ID + guardrailsChatGPT + GeminiAds kept for records