Make scope visible
Use the legal person or company name and known IDs for each required party. Keep the loan reference with the result.
OFAC screening for mortgage lenders and brokers
Keep party checks connected through closing.
Run OFAC and sanctions checks for the people in your mortgage file. Review possible matches before the next step. When a buyer changes, keep the new check and the earlier history.
Paid plans start at $59/month for 5,000 checks each month. API and review dashboard included. See pricing.
250 free live screenings. One lifetime allowance. No credit card required.
SanctionsKitIllustrative workflow
Customer relationship review
Customer
Related entity
Separate subjects. Traceable results.Coverage · matched evidence · review notes
Ownership and wider due diligence need their own review.
Built around your work
A closing file can differ from the original application.
A late change of legal buyer can make the first screening out of date for the closing file. The team needs to know who each result describes, without losing the earlier history.
Separate candidate review from loan approval
Review similar names against the source facts. Missing registry or date details remain unknown until evidence resolves them.
Keep the file reconstructable
Connect current and earlier checks to the file. Keep closing, payment, and ownership decisions in their separate review paths.
Put it into practice
Connect screening to the next business step.
The buyer changes before closing.
The mortgage file can change between application and closing. A result must identify the party and facts checked at that time.
The team can see the latest checks and the older ones. The lender still makes the final closing decision.
- 01
Identify the closing parties
Confirm the current borrower, purchaser, and other required parties. Record their roles and collect the known details.
- 02
Reconcile changes before the checkpoint
Run selected-source checks and assign possible matches. Leave failed required checks incomplete.
- 03
Retain and hand off the evidence
Before the next loan or closing decision, compare the current party list with the checks your policy requires.
A company becomes the buyer before a fictional closing
In this invented mortgage file, a person applies first. Before closing, Example Orchard Property LLC becomes the legal purchaser. The team creates a company subject for the new buyer and records the change under the loan reference. Required owners or other people get their own checks.
A possible match has a similar company name but no registry number. That missing field is not a conflict. The reviewer asks for useful company records and keeps the case open while the identity is unclear. The first applicant’s check stays in history.
Scroll horizontally to compare every column.
| Work item | Screening evidence | Boundary |
|---|---|---|
| Original applicant | Earlier screening retained with the loan. | It describes the earlier party, not the substituted purchaser. |
| Entity purchaser | Organization candidate and available source identifiers. | The legal entity and its owners require distinct analysis. |
| Closing version | Screening references for the final party set. | Closing authorization and payment verification remain separate. |
Test a late change before your closing team relies on it
Start free with 250 live screenings. Use them in the API or dashboard. Your first workspace gets this allowance once, with no monthly reset. No credit card is needed.
Try a buyer change and a corrected ID with facts your team may share. Ask the closing team to find the latest result for each party. A new buyer must not inherit someone else’s no-match.
The optional demo uses made-up records for a quick tour. Use the sandbox to test errors without using live checks.
Try a case export alongside the records your loan system keeps. Count co-borrowers, company buyers, and other required parties in your workload. Compare plans and confirm exact sources in coverage; a synthetic example does not prove live source access.
Match the final parties to the required checks
Before your process makes a closing decision, compare the current borrower, seller, company, and payment-party list with completed checks. Record additions and corrections. A result for an earlier file version should remain clearly dated.
The mortgage and lending guide gives practical examples. An OFAC check does not approve the closing, prove bank details, or complete every mortgage requirement. Those tasks need their own evidence and approval.
TRY IT WITH YOUR TEAM
See if SanctionsKit fits your team.
Check your sources, try a free live check and estimate your monthly cost.
Check source coverage
Find your required sources, what they cover and when they were refreshed.
Explore coverageTry a match review
Use your free live checks to find possible matches. Compare the evidence and save a decision.
Start with 250 free checksEstimate monthly cost
Count new checks, rows in uploaded lists and repeat checks from monitoring.
See workload examples
Evaluate the fit
Screening questions for mortgage.
Is an OFAC check a complete mortgage compliance review?
No. It is one list-check step. Identity, ownership, credit, property, payment, and other mortgage duties remain separate. Your process determines what is needed before closing.
Does screening the applicant cover every party in the mortgage?
No. Each required person or company needs its own subject details and result. Keep their roles and loan reference clear so reviewers can find the right check.
What if the purchaser changes from a person to a company?
Record and screen the company as a new subject when required by policy. Keep the person’s earlier result as history. Add separate checks for any owners or other parties your process requires.
Can we keep screening history after closing?
Your workspace rules set how long evidence is kept. Choose those rules before you rely on past results. Export saved case records where your process requires it. Evidence cannot be restored once it expires.
Does a no-match approve the closing?
No. It describes the completed comparison with selected sources. Your authorized team must still confirm the other closing conditions and approvals.
See SanctionsKit in action
Explore screening and review for mortgage.
Start with 250 free live checks. Use the API or dashboard to review matches and save decisions. Choose a paid plan when you need more checks.
250 free live screenings. One lifetime allowance. No credit card required.