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Security report for figure.com

Figure Lending LLC dba Figure · Finance · United States

Low risk. 2 critical or high findings in Security headers and SSL/TLS.

Security score

83/100

Risk levelLow

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

Figure Lending LLC, operating as Figure, is a leading non-bank lender specializing in Home Equity Lines of Credit (HELOC) and related financial products. Positioned as America's #1 Non-Bank HELOC Lender, Figure leverages advanced technology platforms to provide fast, efficient, and flexible lending solutions to homeowners and small businesses. Their online application process, combined with AI-powered underwriting and partnerships with OpenAI and Google Gemini, enables rapid approvals and funding, enhancing customer experience and operational efficiency. Technically, Figure's website is built using modern frameworks such as React and Astro, supported by a robust content management system (DatoCMS) and integrated with industry-standard tools like Google Tag Manager and OneTrust for analytics and privacy compliance. The site demonstrates excellent mobile optimization, accessibility, and SEO practices, reflecting a mature digital infrastructure. From a security perspective, the website enforces HTTPS, implements key security headers, and provides a comprehensive cookie consent mechanism. While explicit security policies and incident response contacts are not publicly detailed, the overall security posture is strong with no evident vulnerabilities or exposed sensitive data. Overall, Figure presents a professional, trustworthy, and technologically advanced online presence, well-aligned with its market leadership in the HELOC space. Strategic recommendations include publishing dedicated security and incident response policies and enhancing transparency around vulnerability disclosures to further strengthen trust and compliance.

Scanned

NIS2 and GDPR posture

GDPR outside view
88/ 100 · Low
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

2 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 X-Frame-Options header

      Prevents clickjacking attacks

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

  2. SSL/TLS

    TLS encrypts the connection and proves the site is really yours. Weak or expiring certificates trigger browser warnings and put traffic at risk.

    • High

      Weak Protocols Supported

      Server supports weak protocols: TLSv1.1

      What to do: Disable TLS 1.0, TLS 1.1, and all SSL versions

      • CWE-327
      • OWASP A04:2025
      • ASVS V12.1.1

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

Keep watching figure.com

This scan found 15 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
72
Security headers
70
Email security
80
DNS health
85
Network security
100
GDPR outside view
88
Average
83

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

Figure operates in the finance sector, focusing on home equity lending with a technology-driven business model. Their competitive advantage lies in fast approval and funding processes, enabled by AI and digital platforms. The company targets homeowners, small business owners, and financial partners, offering products like HELOC, DSCR loans, cash-out refinancing, and crypto-backed loans. Their partnership ecosystem includes lenders, brokers, banks, and affiliates, enhancing market reach. Trust indicators such as BBB accreditation and strong Trustpilot ratings support their credibility. The company emphasizes transparency with detailed disclaimers and a comprehensive privacy framework, positioning itself as a reliable and innovative player in the financial services market.

Security posture

Figure's security maturity is high, with enforced HTTPS, comprehensive security headers, and a robust cookie consent mechanism compliant with GDPR. No critical vulnerabilities or exposed sensitive data were detected in the website content. However, the absence of a dedicated security policy page and incident response contact details indicates room for improvement in transparency and readiness. The use of modern frameworks and regular updates likely contribute to a secure environment. Compliance with privacy regulations is evident, but explicit documentation of data protection officer contacts and vulnerability disclosure policies is lacking. Overall, the security posture supports business continuity and customer trust but would benefit from enhanced public security governance disclosures.

Recommendations

  1. Publish a dedicated security policy page outlining security practices and controls.
  2. Provide clear incident response contact information for security issues.
  3. Implement and publicize a vulnerability disclosure or security.txt file.
  4. Regularly audit third-party scripts and dependencies for vulnerabilities.
  5. Enhance accessibility features with additional ARIA landmarks and roles.

Contact details published on the site

Addresses
Legal name
Figure Lending LLC dba Figure
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Figure Lending LLC dba Figure
Description
Figure offers Home Equity Line of Credit (HELOC) products to help customers with home renovations, debt consolidation, and other financial needs. They provide fast approval and funding, leveraging technology for efficiency.
Key services
Home Equity Line of Credit (HELOC), DSCR Loan, Cash-Out Refinance, Crypto-Backed Loan, Partnership Ecosystem
Content quality
excellent
Branding
consistent

Technology

Stack
React, Astro, Google Tag Manager, OneTrust Cookie Consent, Lottie Animations, Google Fonts
Frameworks
React, Astro
Platforms
Web
Performance
fast
Mobile
excellent
Accessibility
good
SEO
good

Security

Observed score
90/100
Good practices seen
  • HTTPS enforced
  • Use of CSP
  • Cookie consent mechanism
  • No exposed sensitive data in HTML

Analytics and tracking

Services
Google Tag Manager, Datadog (InitDatadog component)
Tracking level
moderate
Privacy practices
good

Advertising

Ad networks
Google Ad Manager
Tracking pixels
OneTrust
Marketing tools
OneTrust Cookie Consent
Transparency
good

Site quality

Design
excellent
User experience
excellent
Content relevance
excellent
Navigation
excellent
Professionalism
excellent
Trustworthiness
high

Key observations

  1. Website is fully accessible with rich content and interactive elements.
  2. Strong emphasis on fast HELOC lending with technology integration.
  3. Comprehensive cookie consent and privacy mechanisms implemented.
  4. Clear business and contact information provided.
  5. Use of modern web technologies and frameworks.
  6. Good security practices observed but lacks explicit security policy and incident response info.
  7. Multiple trust signals including BBB accreditation and Trustpilot reviews.
  8. No signs of suspicious or malicious content.
Technical notes

Notes

The website employs a modern technology stack including React and Astro frameworks, integrated with DatoCMS for content management. It uses Google Tag Manager and OneTrust for analytics and privacy management, respectively. The site is well-optimized for performance and mobile responsiveness, with fast loading times and good SEO practices. The use of Lottie animations and advanced UI components indicates a high level of technical sophistication. Hosting appears to be via a CDN with Google infrastructure, ensuring scalability and reliability. No technical debt or legacy technology indicators were found, suggesting a well-maintained and modern infrastructure that supports the company's digital business objectives.
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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