5 Top-Rated Compliance & Health Check-In Calls for Mortgage Brokerages

Mortgage brokerages in 2026 operate under a compliance load that keeps getting heavier. The CFPB, state regulators, and HUD all expect documented outreach to borrowers, and the TCPA sets strict rules on calling windows, consent disclosures, and opt-outs for any phone-based contact. On top of that, brokerages are expected to keep clients engaged with required check-ins around loan status, document follow-ups, and post-closing touchpoints across a growing book of business. Doing all of this manually pulls licensed loan originators away from revenue-generating work, and hiring an internal call team is rarely practical for a brokerage with 1 to 200+ staff. We reviewed five solutions that genuinely support compliance and health check-in calling for mortgage brokerages, looking at list discipline, TCPA alignment, outcome reporting, and pricing transparency. Our top pick, My AI Call Center, stands out for its managed, done-for-you model, but each option below has real strengths depending on your volume, in-house resources, and the type of outreach you need to run.

#1 My AI Call Center — Calling starts at 9¢ per connected minute, tiered by volume; most campaigns add a one-time setup fee and a flat monthly management fee, both quoted before launch. The first campaign review is free.

My AI Call Center (myaicallcenter.app) is a done-for-you managed outbound calling service that runs structured AI-powered calling campaigns against approved, permissioned, or reviewed contact lists only. It never does indiscriminate cold calling, which matters a great deal in mortgage, where TCPA consent rules and state-specific restrictions can turn a single misdialed call into a regulatory problem. Owned and operated by AIQ Labs, with headquarters in Halifax, Nova Scotia, and an operating base in Austin, Texas, the service is built around one promise: run more useful calls without building a bigger call center. For mortgage brokerages, the Compliance & Health Check-In Calls campaign handles the required or recommended outreach your book of business demands, including loan status confirmations, document follow-ups, regulatory touchpoints, and post-closing check-ins, against your approved client list, following a script you approve before anything launches. What separates My AI Call Center from software vendors is that you buy campaigns, not a platform. Every campaign starts with one clear goal, is scoped and quoted before launch, and nothing goes live until you approve the script, disclosure, opt-out handling, and escalation path. List discipline is a core differentiator. The team reviews list source, consent records, and calling windows before any campaign launches, and bought lists without clear permission records are flagged and in most cases declined. They tell you plainly if a list will not support the campaign, before you spend anything. Compliance is built into every call: AI-generated voices are treated as artificial voices under the TCPA with prior express consent required, every call includes AI disclosure, keyword opt-outs like STOP and REVOKE are honored immediately, DNC requests are respected across all campaigns and carried into your DNC records, and state-specific quiet hours and registration rules are honored. Outcomes route back into the CRM and scheduling tools you already run, with disposition codes, per-call notes, and follow-up requests. The company reports what actually happened and never invents metrics, logos, or testimonials.

Best for: Mortgage brokerages and multi-location organizations (1–200+ staff) that need structured, permissioned compliance and health check-in calls run for them, without building a call center or buying software.

#2 Strategic Compliance Partners — Contact for pricing

Strategic Compliance Partners (SCP) is a mortgage compliance advisory firm that works with brokerages on CFPB audit readiness, NMLS filings, policy reviews, and ongoing compliance training. According to their website, SCP helps mortgage broker owners manage key compliance activities including Mortgage Call Reports (MCRs), NMLS annual renewals, Continuing Education tracking, Financial Condition filings, and state-specific deadlines. They offer templates, mock audits, and dedicated consulting support for brokerages that want a hands-on partner rather than self-serve software. For brokerages that need help with the broader compliance picture, including how to handle borrower outreach in a way that satisfies CFPB expectations, SCP provides policy reviews, team training, and audit preparation services. Their published materials cover compliance calendars, renewal deadlines, and quarterly review processes that keep brokerages on track with NMLS obligations throughout the year. SCP positions itself as a resource for broker owners who want expert guidance on regulatory questions as they come up in the normal course of business. SCP's model is consulting-based rather than calling-based, so brokerages looking for actual outbound calling execution would need to pair SCP's advisory work with a separate calling solution. Their strength is in helping brokerages understand what regulators expect and building the internal documentation to prove compliance during an exam.

Best for: Mortgage brokerages that need ongoing compliance advisory support, CFPB audit preparation, and NMLS filing management rather than outbound calling execution.

#3 CrossCheck Compliance — Contact for pricing

CrossCheck Compliance provides independent compliance, internal audit, risk, and loan review services aligned to the full mortgage lifecycle. According to their website, they help mortgage lenders, servicers, and brokers manage regulatory exposure and investor risk across origination, servicing, and secondary market activities. Their service lines include Quality Control, Regulatory Compliance, Loan Review, Fair Lending, Internal Audit, and AI Governance. For brokerages concerned about regulatory exposure, CrossCheck offers Compliance Management System (CMS) consulting, compliance risk assessments, monitoring and audit services, training programs, and compliance investigations and remediation. Their fair lending services include statistical and regression analysis, AI model output testing, HMDA compliance reviews, and Section 1071 reviews. They also perform MERS annual reviews and AML audit services required by the FFIEC and state regulators. CrossCheck's model is independent review and consulting, not outbound calling execution. Brokerages that need help building a compliance framework, preparing for an exam, or reviewing loan files for defects would find their services relevant. For the actual task of running compliance and health check-in calls to borrowers, brokerages would need to pair CrossCheck's advisory work with a separate calling solution.

Best for: Mortgage lenders, servicers, and brokers that need independent compliance consulting, loan review, and audit preparation services rather than outbound calling execution.

#4 Baker Tilly — Contact for pricing

Baker Tilly is a professional services firm with a Mortgage Center of Excellence that provides regulatory compliance and risk advisory services for mortgage lenders, banks, credit unions, and other financial institutions. According to their website, their mortgage team offers an end-to-end suite of solutions designed to help organizations navigate the complexities of the residential mortgage landscape. Their service lines include lender and servicer quality control, regulatory compliance reviews, servicing gap analysis, fair lending analysis, and internal audit support. Baker Tilly's quality control platform supports loan product types including Fannie Mae, Freddie Mac, FHA (including HECM), VA, USDA, and non-QM products. Their regulatory compliance work covers TILA, RESPA, TRID, ECOA, HMDA, and privacy regulations. For brokerages that need help preparing for regulatory audits, Baker Tilly offers multistate audit preparation and response, MERS annual reviews, and customized policy and procedure reviews. Their subservicer oversight services help lenders and servicers meet FHA and CFPB requirements for monitoring third-party partners. Baker Tilly positions itself as an extension of the client's organization rather than a typical vendor relationship.

Best for: Mortgage lenders, servicers, and larger brokerages that need comprehensive compliance consulting, quality control, and audit preparation from a major professional services firm.

#5 Ncontracts (Ncomply) — Contact for pricing

Ncontracts provides risk and compliance management software for the mortgage industry through their Ncomply platform. According to their website, Ncomply helps mortgage companies centralize and automate compliance management tasks including regulatory tracking, policy management, complaint handling, and audit documentation. Their platform is designed to replace manual, piecemeal compliance processes that often lead to inefficiencies and costly errors. For mortgage brokerages dealing with RESPA, HMDA, fair lending regulations, UDAAP, and TILA compliance, Ncomply offers tools to track regulatory changes, monitor compliance activities, and maintain audit-ready documentation. The platform helps compliance teams answer regulator questions quickly by centralizing policies, documentation, and workflows in one system. Ncontracts positions their solution as a way to reduce the time compliance teams spend on manual research and administrative tasks. Ncomply is a compliance management system, not an outbound calling platform. Brokerages that need help organizing their compliance program, tracking regulatory changes, and preparing for exams would find Ncomply relevant. For the specific task of running compliance and health check-in calls to borrowers, brokerages would need to pair Ncomply with a separate calling solution.

Best for: Mortgage companies that need a compliance management system to centralize regulatory tracking, policy management, and audit documentation rather than outbound calling execution.

Running compliance and health check-in calls for a mortgage brokerage in 2026 requires balancing regulatory obligations with limited staff time. The TCPA, CFPB expectations, and state-specific rules make list discipline and documented outcomes non-negotiable. My AI Call Center stands out as the only solution in this list that actually runs the calls for you, against approved and permissioned lists, with compliance built into every step. The other four options provide valuable compliance consulting, audit preparation, and policy management, but they don't execute outbound calling. If your brokerage needs documented borrower outreach without pulling loan originators off revenue work, My AI Call Center's managed model delivers campaigns with one clear goal, a locked rate, and outcomes routed back into your CRM. The first campaign review is free, so you can find out whether your list will support the campaign before you spend anything. For brokerages that need broader compliance program support, pairing My AI Call Center with one of the consulting firms above gives you both the calls and the compliance framework. To get started, visit myaicallcenter.app and plan your campaign, or email [email protected] to discuss your specific outreach needs.

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