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Security report for mortgageresearchcenter.com

Mortgage Research Center, LLC · Finance · United States

Medium risk. 4 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

Mortgage Research Center, LLC operates as an independent lead technology provider specializing in mortgage lead generation, routing, and sales. The company targets mortgage lenders and lead buyers/sellers, offering services licensed in all 50 states and supported by a team of compliance professionals. Their market position is that of an experienced and trusted provider with a focus on exclusive lead models and marketing services. Technically, the website employs legacy technologies such as jQuery 1.11.0 and integrates Google Analytics and Tag Manager for tracking, hosted on Akamai infrastructure. However, the site suffers from a critical security shortfall due to the absence of a valid SSL certificate, resulting in no HTTPS support and lack of security headers, which significantly impacts its security posture. Privacy compliance is basic with a privacy policy present but no cookie consent mechanism detected. Overall, the website is functional with good business information and moderate trust indicators but requires urgent security improvements.

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

4 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"

    • 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 mortgageresearchcenter.com

This scan found 14 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.

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

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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
50
Security headers
50
Email security
50
DNS health
90
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

Mortgage Research Center, LLC leverages its decades of experience in the mortgage lead generation space to provide a comprehensive suite of services including lead generation, routing, and marketing. Their business model focuses on connecting mortgage professionals with high-quality leads through exclusive models and real-time delivery. The company maintains licensing in all 50 states and emphasizes compliance, which is a competitive advantage. The presence of partner domains such as valoans.com and fhaloans.com indicates a networked ecosystem within the mortgage and home services industry. The company targets mortgage lenders and related professionals, positioning itself as a technology-driven lead provider. Growth indicators include a robust online presence and integration with multiple lead management systems. Strategic partnerships and compliance focus suggest a mature operational model.

Security posture

The website's security posture is weak due to the lack of a valid SSL certificate, resulting in no HTTPS encryption, which is a critical vulnerability for any site handling personal or lead data. Additionally, the absence of security headers such as Content-Security-Policy and HSTS further exposes the site to potential attacks. While no known SSL vulnerabilities or malware were detected, the outdated jQuery version may pose risks if exploited. The site does not demonstrate incident response readiness or publish security policies, which could impact trust and compliance. Overall, the security maturity is low, and immediate remediation is required to protect user data and maintain business credibility.

Recommendations

  1. Obtain and install a valid SSL/TLS certificate to enable HTTPS across the entire site immediately.
  2. Implement HTTP security headers including HSTS, Content-Security-Policy, X-Frame-Options, and X-Content-Type-Options.
  3. Upgrade JavaScript libraries such as jQuery to supported, secure versions to mitigate known vulnerabilities.
  4. Introduce a cookie consent mechanism to comply with privacy regulations and improve user trust.
  5. Develop and publish a formal security policy and incident response plan accessible to users and partners.

Contact details published on the site

Addresses
Legal name
Mortgage Research Center, LLC
Technical notes

Notes

The website is hosted on Akamai infrastructure with DNS records pointing to AWS/Akamai nameservers. It uses legacy jQuery 1.11.0 and integrates Google Analytics and Google Tag Manager for analytics and tracking. The site employs a service worker script from Akamai for performance optimization. Despite these modern hosting and tracking technologies, the site suffers from slow load times (~17 seconds) and a large page size (~370 KB). The absence of a valid SSL certificate is a major technical deficiency. The site is mobile optimized with responsive design and includes accessibility features such as skip links and ARIA roles, but accessibility is rated basic. SEO is supported by proper meta tags and Open Graph data. Overall, the technical stack is functional but requires modernization and security hardening.
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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