FairLending Risk

Interactively Monitor and Analyze Your Fair Lending Risk

Fair Lending RELIEF was designed from the ground up utilizing more than two decades of fair lending risk management experience. The result? A truly transformative fair lending solution to identify, analyze and better understand lending performance risk.

     Utilizes live HMDA data and imported consumer data
     Provides extensive filtering options for more focused analysis
     Conduct automated matched pair testing
     Access loan records directly from reports

Easy-to-use, interactive, and accessible to lenders of all sizes.

Matched Pair Testing

Easily conduct automated matched pair testing by selecting custom control vs. target settings and establishing credit or pricing tolerances to identify similar or better situated applicants with different outcomes in underwriting and pricing. Individual files can be accessed directly from results screen for further review.

Data Analysis

Fair Lending RELIEF includes detailed reports, easy to understand graphs, and an interactive tool that allows you to view the data behind the result. Easily review and analyze key fair lending risk factors across applicant demographic and geographic categories:

    Distribution Analysis

    Analyze the geographic distribution of lending activity based on MSA, state, and county – inside and outside of an assessment and/or analysis area.

    Application Disposition

    Identify potential application disposition disparities for all actions, including positive and negative outcomes.

    Levels of Assistance

    Evaluate differences in levels of assistance based on average days to disposition, as well as the lowest and highest number of days for individual applications.


    Review and analyze pricing disparities using rate spread, APR, and interest rate, as well as key indicators such as average loan amount, credit score, and debt-to-income.


    Assess potential steering risk associated with the type of loan (conventional, FHA, VA, FSA/RHS), channel (retail, wholesale, correspondent) or based on loans decisioned using an Automated Underwriting System (AUS) or manually underwritten.


    Analyze performance based on Majority Minority Tracts (MMT), Majority Hispanic/Latino Tracts (MHT), and Majority Black/African American Tracts (MBT).

Peer Analysis

Review and analyze peer data to quickly identify credit needs and competitive concerns for a selected geography.

  • Analyze peer performance using self-identified peers, 50-200% of your lending activity, or all peers
  • Identify the number of loans needed to achieve parity for specific demographic groups
  • Generate reports for senior management, marketing and compliance personnel

Two men analyzing a report on a tablet

Proxy Assignment

Import consumer application data and automatically assign proxy data for race, ethnicity, and gender, as well as Bayesian Improved Surname Geocoding (BISG) for both applicants and co-applicants.


Interactively review the geographic distribution of your lending for a selected assessment or analysis area based on Tract Income Level, Majority Minority Tracts (MMT), Majority Hispanic or Latino Tracts (MHT) or Majority Black or African American Tracts (MBT). Select filters to determine concentrations and gaps in lending based on loan characteristics.

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