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Is fhaloans.com a Scam? Security Check Results - ICB Solutions, a division of Neighbors Bank

fhaloans.com Security Report Summary

fhaloans.com received a security score of 55 out of 100 in Guard's comprehensive security analysis, classified as "Elevated Risk". This report covers ICB Solutions, a division of Neighbors Bank's website security posture. ICB Solutions, a division of Neighbors Bank operates in the Finance industry in United States.

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.

The security scan identified 25 findings across security headers, SSL/TLS, DNS health, email security, GDPR compliance, and NIS2 compliance analysis modules.

Technologies detected: jQuery 3.6.0, Google Tag Manager, Marketo Munchkin, FullStory, Tiny Slider, Twilio (phone verification), TrustedForm, LeadID, Formocity.

About this security scan

Guard performs automated security assessments of websites by analyzing SSL/TLS certificates, HTTP security headers, DNS configuration, email authentication protocols (SPF, DKIM, DMARC), GDPR compliance indicators, NIS2 directive compliance, network exposure, and AI-powered business intelligence. Each report provides domain-specific findings, risk scores, and actionable recommendations.

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Is fhaloans.com Safe? Security Analysis for ICB Solutions, a division of Neighbors Bank

https://fhaloans.com

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FinanceUnited Statesmedium
jQuery 3.6.0Google Tag ManagerMarketo MunchkinFullStoryTiny Slider+4 more
Analyzed 6/14/2025Completed 10:14:57 PM9mo ago
55
Security Score
MEDIUM RISK

Below Finance avg (78)

10,000+

Domains scanned

500+

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Domainfhaloans.com
Access tierFull report or marketing add-on

Digital reports are delivered immediately after payment. By continuing you acknowledge the withdrawal waiver described in our Returns & Refunds policy.

VisaMastercardApple PayGoogle Pay

Secure payments processed via EveryPay. Prices in EUR; Incl. 21% VAT.

SEQ SIA

Lastadijas 12 k-3, Riga, Latvia, LV-1050

Reg. No. 40203410806 • VAT LV40203410806

Support: guard@offseq.com+371 2256 5353

AI Summary

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.

Detected Technologies

jQuery 3.6.0Google Tag ManagerMarketo MunchkinFullStoryTiny SliderTwilio (phone verification)TrustedFormLeadIDFormocity

9 urgent findings need attention

9 high

  • + 1 more findings in the full report below
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Guard tracks your live infrastructure daily: certificate expiry, DNS & mail authentication drift, uptime changes, subdomain inventory, and unexpected tracker or content shifts. A full timeline captures every diff so you can prove remediation and spot regressions instantly.

Security drift alerts

Risk score drops, new high-severity issues, and header hardening gaps

Compliance watch

GDPR / NIS2 posture changes with governance evidence snapshots

Infrastructure surface

Unexpected open services, SSL expiry, DNS & email authentication changes

Content & tracker intelligence

Marketing tech shifts, analytics drift, and AI recommendation updates

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Security Headers

8 findings

15/100

GDPR Compliance

5 findings

43/100

NIS2 Compliance

7 findings

25/100

Email Security

1 finding

50/100

🧠AI Business Intelligence

Technology stack, business insights, and market analysis powered by AI.

Business Intelligence

Market & Strategic Analysis

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.

Extracted Contact Information

Marketing Intelligence Data

Company Registration

Legal Name:

ICB Solutions, a division of Neighbors Bank

Registration Number:

NMLS #491986

Security Posture Analysis

Comprehensive Security Assessment

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.

Strategic Recommendations

Priority Actions for Security Improvement

1

Implement a valid SSL/TLS certificate to enable HTTPS across the entire site immediately.

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🛡️Security Headers

HTTP security headers analysis and recommendations.

Security Headers

HTTP security headers analysis

15/100
Score

Missing Strict-Transport-Security header

HIGH

Forces HTTPS connections

Missing X-Frame-Options header

HIGH

Prevents clickjacking attacks

Missing X-Content-Type-Options header

MEDIUM

Prevents MIME type sniffing

Missing Content-Security-Policy header

HIGH

Controls resources the browser is allowed to load

Missing X-XSS-Protection header

MEDIUM

Legacy XSS protection (deprecated but still recommended)

Missing Referrer-Policy header

LOW

Controls referrer information sent with requests

Missing Permissions-Policy header

MEDIUM

Controls browser features and APIs

Sensitive data may be cached

LOW

Cache-Control header should include "no-store" for sensitive pages

👤GDPR Compliance

Privacy and data protection assessment under GDPR regulations.

GDPR Compliance

Privacy and data protection assessment

43/100
Score

No Cookie Policy found

HIGH

GDPR requires clear information about cookie usage

No Cookie Consent Banner found

HIGH

GDPR requires explicit consent for non-essential cookies

Insufficient contact information

MEDIUM

GDPR requires organizations to provide clear contact details

No Data Protection Officer mentioned

LOW

Large organizations may need to designate a DPO under GDPR

Privacy policy may not be GDPR compliant

MEDIUM

Privacy policy lacks explicit GDPR compliance elements

GDPR Compliance Analysis

Privacy Policy80% confidence
Cookie Policy0% confidence

🛡️NIS2 Compliance

Network & Information Security Directive compliance assessment.

NIS2 Compliance

Network & Information Security Directive

25/100
Score

No information security framework found

HIGH

NIS2 requires documented cybersecurity and information security measures

No vulnerability disclosure policy

MEDIUM

NIS2 encourages coordinated vulnerability disclosure

No security policy documentation found

HIGH

NIS2 requires documented cybersecurity governance and risk management

No incident response procedures found

HIGH

NIS2 requires documented incident response and business continuity plans

No business continuity planning found

MEDIUM

NIS2 emphasizes operational resilience and business continuity

No security contact information

HIGH

NIS2 requires clear incident reporting channels

No NIS2 reference found

LOW

Consider explicitly mentioning NIS2 compliance efforts

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📧Email Security

SPF, DKIM, and DMARC validation and email security assessment.

Email Security

SPF, DKIM, and DMARC validation

50/100
Score

Email Security Check Incomplete

MEDIUM

Some email security checks timed out

SPF
Sender Policy Framework
DKIM
DomainKeys Identified Mail
DMARC
Domain-based Message Authentication
MX Records
Mail Exchange Records
BIMI
Brand Indicators
MTA-STS
Mail Transfer Agent Security
TLS-RPT
TLS Reporting
DNSSEC
DNS Security

🏆SSL/TLS Security

Certificate validity and encryption analysis.

SSL/TLS Security

Certificate validity and encryption analysis

90/100
Score

Mixed Content Detected

MEDIUM

4 resources loaded over insecure HTTP

OCSP Status

OCSP Stapling Disabled

📊DNS Health

DNS configuration and security assessment.

DNS Health

DNS configuration and security assessment

85/100
Score

DNSSEC Not Enabled

MEDIUM

DNSSEC is not configured for this domain

CAA Records Not Configured

LOW

Certificate Authority Authorization (CAA) records not found

DNS Records

A Records:18.165.140.118, 18.165.140.77, 18.165.140.86, 18.165.140.99
Name Servers:
ns-1283.awsdns-32.orgDNS only
ns-1829.awsdns-36.co.ukDNS only
ns-200.awsdns-25.comDNS only
ns-899.awsdns-48.netDNS only

DNSSEC Status

DNSSEC Not Enabled

Network Security

Port scanning and network exposure analysis.

Network Security

Port scanning and network exposure analysis

100/100
Score

Good Network Security Posture

LOW

No unnecessary services detected on common risky ports

How does fhaloans.com compare?

See how fhaloans.com stacks up against similar websites in the same industry.

🔧Technical Analysis

Detailed technical findings and analysis from AI assessment.

Technical Analysis

Comprehensive security assessment findings

Additional Findings

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.
Professional PDF & Marketing Data

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PDF Report & Export

PDF download, email delivery, unlock code

39.90 €one-time • Incl. 21% VAT

Marketing Intelligence

Contact emails, phone numbers & warm leads

49.90 €one-time • Incl. 21% VAT

Plan Comparison

FeaturePDF ReportMarketing+
Full security analysis
Professional PDF export
Email delivery
Lifetime access + unlock code
Contact emails & phones
Marketing outreach data

Already purchased?

Order summary

Domainfhaloans.com
Access tierFull report or marketing add-on

Digital reports are delivered immediately after payment. By continuing you acknowledge the withdrawal waiver described in our Returns & Refunds policy.

VisaMastercardApple PayGoogle Pay

Secure payments processed via EveryPay. Prices in EUR; Incl. 21% VAT.

SEQ SIA

Lastadijas 12 k-3, Riga, Latvia, LV-1050

Reg. No. 40203410806 • VAT LV40203410806

Support: guard@offseq.com+371 2256 5353

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