The easiest and most cost-effective HMDA data validation solution
used in more than 4 million loan reviews last year.
- Instant Geocoder – accurately match addresses with confidence scores that allow for minor data variation
- HMDA Review – analyze production for missing or incorrect data
- Rate Spread – calculate whether a loan is a Higher Priced Mortgage Loan (HPML)
Instant HMDA is integrated with the following Loan Origination Systems, covering over 60% of today’s HMDA transactions.
The Compliance EAGLE suite offers access to Instant HMDA and 15 additional critical review services, equipping lending institutions with automated rule sets to identify and adhere to regulatory exceptions and guidelines:
- TILA/RESPA Integrated Disclosure (TRID) compliance
- Qualified Mortgage/Ability-to-Repay (QM/ATR)
- High Cost, Guaranteed Fee Tolerances and Transfer Tax services
- Truth in Lending Act (TILA)
- Real Estate Settlement Practices Act (RESPA) compliance on non-TRID loans, federal, state and local consumer lending laws
- Home Ownership and Equity Protection Act (HOEPA)
- Office of Foreign Assets Control (OFAC)
- Social Security Number (SSN) checks, exclusionary lists
- NMLS License verifications, and more