automated mortgage compliance

Interactively Monitor and Analyze Your Fair Lending Risk



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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 HMDA RELIEF data - no importing or exporting of data required.
  • Provides extensive filtering options for more focused analysis including geographic, borrower, and loan data characteristics.

Fair Lending RELIEF makes monitoring fair lending risk easy, interactive, and accessible to lenders of all sizes.



Matched Pair Testing

Conduct automated comparative file reviews through the creation of control vs. target settings and tolerances to identify similar or better situated applicants with different outcomes in underwriting and pricing.


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Data Analysis

Fair Lending RELIEF’s Data Analysis tool 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

    Pinpoint the geographic distribution of HMDA data 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.

    Pricing

    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.

    Steering

    Assess potential steering risk associated with the type of loan (conventional, FHA, VA, FSA/RHS) or channel (retail, wholesale, correspondent).

    Redlining

    Analyze performance based on Majority Minority Tracts (MMT), Majority Hispanic/Latino Tracts (MHTT), 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.




Mapping

Interactively review the geographic distribution of HMDA data for a selected assessment or analysis area based on Majority Minority Tracts (MMT), Majority Hispanic/Latino Tracts (MHT) and Majority Black/African American Tracts (MBT). Select filters to discern concentrations and gaps in lending based on key HMDA fields.

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

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