# Running a healthy mortgage shop The operating habits that keep a multi-state mortgage company out of trouble for the long haul. ## What you will learn - What a healthy compliance rhythm looks like inside a mortgage shop - The handful of leading indicators that predict trouble - Where time savings show up when this is outsourced ## The rhythm Healthy mortgage companies share a familiar pattern. A single calendar for every company license, [[term:mlo]] renewal, bond, [[term:annual-report]], and [[term:registered-agent]] appointment. A named owner per state. A monthly review of the regulator inbox and the [[term:nmls]] action queue. A standing item on leadership reviews. ## Leading indicators The early signals tend to be specific to mortgage: an [[term:mlo]] departure without an [[term:nmls]] update, a [[term:control-person]] change that wasn't notified to the regulator, and a bond invoice unpaid past 30 days. ## Where time goes when this is outsourced The recurring renewal work for a multi-state mortgage company is the kind of thing that's hard to track yourself. Outsourcing it tends to free up the time the company was spending tracking [[term:mlo]] renewals one at a time.