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Security report for fhaloans.com

ICB Solutions, a division of Neighbors Bank · Finance · United States

Medium risk. 5 critical or high findings in Security headers and GDPR outside view.

Security score

64/100

Risk levelMedium

0–100, higher is better. How it is calculated

FHALoans.com is a specialized educational and lead generation website focused on FHA home loans in the United States. Operated by ICB Solutions, a division of Neighbors Bank, and partnered with Mortgage Research Center, LLC, the site provides comprehensive guides, tools, and a multi-step form to connect prospective homebuyers with mortgage lenders. The business model centers on marketing services and lead referrals to a network of mortgage companies. Technically, the site employs a variety of modern marketing and analytics technologies including Google Tag Manager, Marketo, FullStory, and Twilio for phone verification, hosted on AWS infrastructure. However, the site lacks a valid SSL certificate, serving content over HTTP only, which is a critical security deficiency. Security headers are absent, and while privacy and cookie policies are present and comprehensive, GDPR compliance is not clearly indicated. Overall, the website offers good content quality and user experience but suffers from slow performance and significant security shortcomings.

Scanned

NIS2 and GDPR posture

GDPR outside view
43/ 100 · High
Checks completed
7of 7

NIS2 Art. 21(2)

  1. (a) Risk analysis and security policies: Not visible from outside
  2. (b) Incident handling: One indicator
  3. (c) Business continuity, backups and crisis management: Not visible from outside
  4. (d) Supply chain security: Not visible from outside
  5. (e) Secure acquisition, development and maintenance, including vulnerability handling: Partly checked
  6. (f) Assessing the effectiveness of security measures: Not visible from outside
  7. (g) Cyber hygiene and security training: Not visible from outside
  8. (h) Cryptography and encryption: Partly checked
  9. (i) HR security, access control and asset management: One indicator
  10. (j) Multi-factor authentication and secured communications: Not visible from outside

This scan rated NIS2 with an earlier keyword method that is no longer shown; rescan for the per-article view. Risk management, continuity, supply chain, training, MFA, management oversight (Art. 20) and incident reporting (Art. 23) need internal evidence, and Guard cannot tell whether NIS2 applies to this organisation.

GDPR is indicative only, based on publicly visible signals: Articles 7, 12, 13 and 32 of Regulation (EU) 2016/679 and Article 5(3) of the ePrivacy Directive. Not a certification or legal assessment.

Priority findings

5 findings rated critical or high. Fix these first.

  1. Security headers

    Security headers are instructions your web server sends to every visitor’s browser. Missing ones leave visitors more exposed to attacks such as clickjacking and injected scripts.

    • High

      Missing Strict-Transport-Security header

      Forces HTTPS connections

      What to do: Add "Strict-Transport-Security: max-age=31536000; includeSubDomains; preload"

      • CWE-319
      • OWASP A04:2025
      • ASVS V3.4.1
    • High

      Missing X-Frame-Options header

      Prevents clickjacking attacks

      What to do: Add "X-Frame-Options: DENY" or "X-Frame-Options: SAMEORIGIN"

    • High

      Missing Content-Security-Policy header

      Controls resources the browser is allowed to load

      What to do: Implement a Content-Security-Policy appropriate for your application

      • ASVS V3.4.3
      • OWASP Secure Headers: OWASP Secure Headers Project recommends Content-Security-Policy: default-src 'self'; form-action 'self'; base-uri 'self'; object-src 'none';…

  2. GDPR outside view

    These are the privacy signals visitors and data protection authorities look for under GDPR.

    • High

      No Cookie Policy found

      GDPR requires clear information about cookie usage

      What to do: Add a dedicated cookie policy explaining cookie usage and purposes

    • High

      No Cookie Consent Banner found

      GDPR requires explicit consent for non-essential cookies

      What to do: Implement a cookie consent banner that appears on first visit

Need hands-on remediation? Email guard@offseq.com

Keep watching fhaloans.com

This scan found 18 issues across 6 checks. Monitoring re-runs those checks daily, emails you when something material changes and records each fix, so you can show progress.

Daily monitoring

Recommended

€25per month

  • TLS certificates and expiry
  • DNS records
  • SPF, DKIM and DMARC
  • Security headers
  • GDPR and NIS2 posture
  • Exposed services
  • Third-party trackers
  • Security score drift

Email alerts on material changes and an exportable JSON history of every change.

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Results by check

Each check with its score, findings and the evidence it collected.

How this score is calculated

The security score runs 0–100, higher is better. It is the plain average of the security checks that completed in this scan, each counted equally. A check that could not run is left out: it counts neither as a pass nor as a fail.

Counted in this score

SSL/TLS
90
Security headers
15
Email security
50
DNS health
85
Network security
100
GDPR outside view
43
Average
64

Not counted

  • NIS2 outside view: Re-weights evidence from the TLS, email, DNS, network and hygiene checks, so counting it would count that evidence twice. Shown on its own.
  • OffSeq Observations: An AI reading of the site, useful context but not reproducible evidence. Shown on its own.

Findings that cap the score at 49

Each of these is serious on its own, so while any is present the site cannot rate better than high risk, however good the other checks are.

  • The certificate is not trusted by browsers
  • The website is not served over HTTPS
  • A database, remote desktop, file-sharing or Telnet service is reachable from the internet
  • The page loads a script from a compromised source
  • The domain registration has expired
  • SPF authorises every server to send mail as the domain

Partial scans

When the site blocks Guard or most checks cannot run, the score covers only the checks that ran (usually DNS and email), is capped at 75 and is shown as partial, without a risk level.

Risk levels

  • Critical0–25
  • High26–49
  • Medium50–75
  • Low76–100

Technical appendix

Business context, site observations and technical notes gathered during the scan, and the standards behind each reference.

Business context

Business profile

The company positions itself as a niche player in the mortgage finance sector, focusing on FHA loans. Its competitive advantage lies in its partnership with Mortgage Research Center, enabling access to a broad lender network. The business model relies on lead generation and marketing fees from lenders and related service providers. The target audience includes first-time homebuyers and those seeking refinancing options. The site demonstrates consistent branding and professional content, supported by licensing disclosures and equal housing opportunity statements. Growth potential is linked to the mortgage market and digital lead generation effectiveness. The partnership ecosystem includes mortgage lenders and real estate agents, with transparent disclosures about compensation and affiliations.

Security posture

The current security posture is weak due to the absence of HTTPS and valid SSL certificates, exposing users to potential data interception risks. No security headers such as HSTS or Content-Security-Policy are implemented, increasing vulnerability to common web attacks. The site uses multiple third-party scripts for analytics and marketing, which may introduce additional risks if not properly managed. Forms collect sensitive personal information, but there is no explicit evidence of advanced security controls or incident response policies. Compliance with data protection regulations like GDPR is minimal or unclear. Overall, the site requires urgent improvements in encryption, header security, and privacy compliance to reduce risk exposure.

Recommendations

  1. Implement a valid SSL/TLS certificate to enable HTTPS across the entire site immediately.
  2. Add essential security headers including HSTS, Content-Security-Policy, X-Frame-Options, and X-Content-Type-Options.
  3. Enable DNSSEC and CAA records to protect domain integrity and certificate issuance.
  4. Conduct regular security audits of third-party scripts and remove or update any vulnerable libraries.
  5. Enhance privacy compliance by explicitly addressing GDPR and other relevant regulations, including data retention policies and user rights.
  6. Develop and publish a formal security policy and incident response plan with clear contact channels.
  7. Improve site performance by optimizing resource loading and reducing page size.
  8. Maintain transparency in advertising and data collection practices to build user trust.

Contact details published on the site

Addresses
Legal name
ICB Solutions, a division of Neighbors Bank
Registration number
NMLS #491986
Technical notes

Notes

The website is built using standard web technologies including jQuery and various marketing and analytics tools such as Google Tag Manager, Marketo, and FullStory. It uses a multi-step form powered by Formocity for detailed user data collection and Twilio for phone verification. Hosting is on Amazon AWS, as indicated by DNS records and IP addresses. The site has a large page size (~939 KB) and slow load time (~20 seconds), indicating potential optimization needs. Accessibility and SEO practices are good, with proper meta tags, Open Graph data, and structured JSON-LD for organization and website schema. However, the lack of HTTPS and security headers represents a significant technical risk. The site is mobile optimized and includes ARIA roles and labels for accessibility.
Standards and sources

Reference chips under each finding point to the standard, regulation or specification the finding relates to. They are taken from the official datasets below and mapped conservatively: a finding with no defensible link shows none. NIS2 and GDPR references mark where a finding is relevant evidence, not a compliance verdict. Implementing Regulation (EU) 2024/2690 binds digital infrastructure and digital service providers; for other entities it is the most detailed public reading of the Article 21 measures. WCAG, EN 301 549, European Accessibility Act and Web Accessibility Directive references name the requirement an automated accessibility rule relates to; they are not a conformance verdict.

Retrieved 2026-10-25

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