lending paterns hmda and cra data insights

Let’s face it: Raw HMDA data in and of itself isn’t all that exciting. BUT, when you start to compare your HMDA data with other lenders, patterns start to emerge.

LendingPatterns™ is the only online HMDA data mining tool available on the market.

Talk to us about protecting your business

Your work is not finished when you submit your data using HMDA RELIEF or CRA RELIEF. The next step is to  analyze and document the data to prepare for your next exam. You need to know your data better than the regulators, federal and state enforcement agencies, and community groups to identify problems before they find fair lending issues with your institution.

Be prepared to have a meaningful discussion with your examiner. Use LendingPatterns to defend your HMDA results and validate your CRA story before your next compliance exam.

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Women analyzing data at a bank

What is the importance of reviewing your HMDA data?

During an exam, your regulator may see something different in your HMDA data than you see. The right reports, maps, and charts can uncover key lending patterns and outliers within your HMDA data, patterns that can help document your story during an examination. LendingPatterns provides over eighty uniquely designed reports enabling you to understand the distinguishing characteristics of lender, borrower, market, and neighborhood data. Use LendingPatterns data provide statistical and quantitative data analysis, manage regulatory risk and discover insights for proactive and responsible lending.

Who Should Subscribe to Lending Patterns?

Any person who needs to understand the characteristics of national and local lending markets and borrower profiles, including:

Compliance Officers, Fair Lending and CRA Officers, Quality Control Departments, Underwriting Departments, Marketing Departments, Loan Production Management, Credit Policy Departments, General Counsel, and Legal Departments.

For more information call (800) 575-4632 or  Request a Demo

LendingPatterns™ is a trademark of CLC Compliance Technologies, Inc.