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Maintaining Your HMDA Data Accuracy to Avoid Penalties

Maintaining Your HMDA Data Accuracy to Avoid Penalties

by Dana Ginsburg | Dec 5, 2021 | blog, HMDA

  When it comes to your client’s data, your main priority should rightly be keeping it secure from any third parties. However, when the time comes to deliver the data and you have accidentally omitted a piece of information, it can have serious consequences for you...

2021 Redlining Presentation at Black Homeownership Summit

by Dana Ginsburg | Nov 5, 2021 | Uncategorized

2021 Redlining Presentation at Black Homeownership Summit     FREE DOWNLOAD Send download link to: I confirm that I have read and agree to the Privacy...

ComplianceTech Webinar: Using LendingPatterns™ to Identify Problems in your HMDA Data

by Dana Ginsburg | Oct 28, 2021 | Uncategorized

Join us for a 30-minute webinar on Tuesday, November 16th at 1:30 PM Eastern. We will show you why it is important to go beyond the standard HMDA Edit Checks before HMDA Submission. Learn techniques to ensure your data not only pass the standard HMDA edit checks, but...

Download 10 Blind Spots In Fair Lending Risk Management

by Dana Ginsburg | Oct 20, 2021 | blog, Uncategorized

10 Blind Spots in Fair Lending Risk Management FREE DOWNLOAD Send download link to: I confirm that I have read and agree to the Privacy...

LendingPatterns™ has been updated with the 2021 Area Median Income

by Dana Ginsburg | Aug 2, 2021 | Uncategorized

LendingPatterns™ has been updated with the 2021 Area Median Income based on the 2021 FFIEC Census data released July 14, 2021.  To review the latest MSA/MD estimates, consult the 2021 Median Family Income Report using the link below. 2021 FFIEC Median Family...
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    html,body{ margin: 0px; } #crmWebToEntityForm.zcwf_lblRight { width:100%; padding: 25px; margin: 0 auto; box-sizing: border-box; } #crmWebToEntityForm.zcwf_lblRight * { box-sizing: border-box; } #crmWebToEntityForm{text-align: left;} #crmWebToEntityForm * { direction: ltr; } .zcwf_lblRight .zcwf_title { word-wrap: break-word; padding: 0px 6px 10px; font-weight: bold; } .zcwf_lblRight .zcwf_col_fld input[type=text], .zcwf_lblRight .zcwf_col_fld textarea { width: 60%; border: 1px solid #c0c6cc !important; resize: vertical; border-radius: 2px; float: left; } .zcwf_lblRight .zcwf_col_lab { width: 30%; word-break: break-word; padding: 0px 6px 0px; margin-right: 10px; margin-top: 5px; float: left; min-height: 1px; text-align: right; } .zcwf_lblRight .zcwf_col_fld { float: left; width: 68%; padding: 0px 6px 0px; position: relative; margin-top: 5px; } .zcwf_lblRight .zcwf_privacy{padding: 6px;} .zcwf_lblRight .wfrm_fld_dpNn{display: none;} .dIB{display: inline-block;} .zcwf_lblRight .zcwf_col_fld_slt { width: 60%; border: 1px solid #ccc; background: #fff; border-radius: 4px; font-size: 16px; float: left; resize: vertical; padding: 2px 5px; } .zcwf_lblRight .zcwf_row:after, .zcwf_lblRight .zcwf_col_fld:after { content: ''; display: table; clear: both; } .zcwf_lblRight .zcwf_col_help { float: left; margin-left: 7px; font-size: 16px; max-width: 35%; word-break: break-word; } .zcwf_lblRight .zcwf_help_icon { cursor: pointer; width: 16px; height: 16px; display: inline-block; background: #fff; border: 1px solid #c0c6cc; color: #c1c1c1; text-align: center; font-size: 11px; line-height: 16px; font-weight: bold; border-radius: 50%; } .zcwf_lblRight .zcwf_row {margin: 15px 0px;} .zcwf_lblRight .formsubmit { margin-right: 5px; cursor: pointer; color: var(--baseColor); font-size: 16px; } .zcwf_lblRight .zcwf_privacy_txt { width: 90%; color: rgb(0, 0, 0); font-size: 16px; font-family: Arial; display: inline-block; vertical-align: top; color: var(--baseColor); padding-top: 2px; margin-left: 6px; } .zcwf_lblRight .zcwf_button { font-size: 16px; color: var(--baseColor); border: 1px solid #c0c6cc; padding: 3px 9px; border-radius: 4px; cursor: pointer; max-width: 120px; overflow: hidden; text-overflow: ellipsis; white-space: nowrap; } .zcwf_lblRight .zcwf_tooltip_over{ position: relative; } .zcwf_lblRight .zcwf_tooltip_ctn{ position: absolute; background: #dedede; padding: 3px 6px; top: 3px; border-radius: 4px;word-break: break-word; min-width: 100px; max-width: 150px; color: var(--baseColor); z-index: 100; } .zcwf_lblRight .zcwf_ckbox{ float: left; } .zcwf_lblRight .zcwf_file{ width: 55%; box-sizing: border-box; float: left; } .clearB:after{ content:''; display: block; clear: both; } @media all and (max-width: 800px) { .zcwf_lblRight .zcwf_col_lab, .zcwf_lblRight .zcwf_col_fld { width: auto; float: none !important; } .zcwf_lblRight .zcwf_col_help {width: 40%;} .zcwf_lblRight.zcwf_rtl .zcwf_col_lab {text-align: left;} .zcwf_lblRight.zcwf_rtl .zcwf_col_lab {text-align: right;} }
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    -None- Advertisement Outreach i.e. cold call/email Former Customer CT Employee Referral External Referral Current Customer Referral LP Lite LinkedIn Media Referral Twitter CT Webinar Trade Show Chat Web Google AdWords Regulator Referral Demo Request
    /* Do not remove this code. */ function reloadImg3883025000007740007() { var captcha = document.getElementById('imgid3883025000007740007'); if(captcha.src.indexOf('&d') !== -1 ) { captcha.src = captcha.src.substring(0, captcha.src.indexOf('&d'))+'&d'+new Date().getTime(); }else{ captcha.src = captcha.src+'&d'+new Date().getTime(); } } function validateEmail3883025000007740007() { var form = document.forms['WebToLeads3883025000007740007']; var emailFld = form.querySelectorAll('[ftype=email]'); var i; for (i = 0; i < emailFld.length; i++) { var emailVal = emailFld[i].value; if((emailVal.replace(/^\s+|\s+$/g, '')).length!=0 ) { var atpos=emailVal.indexOf('@'); var dotpos=emailVal.lastIndexOf('.'); if (atpos<1 || dotpos=emailVal.length) { alert('Please enter a valid email address. '); emailFld[i].focus(); return false; } } } return true; } function checkMandatory3883025000007740007() { var mndFileds = new Array('Company','First Name','Last Name','Email','Phone'); var fldLangVal = new Array('Company','First\x20Name','Last\x20Name','Email','Phone'); for(i=0;i<mndFileds.length;i++) { var fieldObj=document.forms['WebToLeads3883025000007740007'][mndFileds[i]]; if(fieldObj) { if (((fieldObj.value).replace(/^\s+|\s+$/g, '')).length==0) { if(fieldObj.type =='file') { alert('Please select a file to upload.'); fieldObj.focus(); return false; } alert(fldLangVal[i] +' cannot be empty.'); fieldObj.focus(); return false; } else if(fieldObj.nodeName=='SELECT') { if(fieldObj.options[fieldObj.selectedIndex].value=='-None-') { alert(fldLangVal[i] +' cannot be none.'); fieldObj.focus(); return false; } } else if(fieldObj.type =='checkbox'){ if(fieldObj.checked == false){ alert('Please accept '+fldLangVal[i]); fieldObj.focus(); return false; } } try { if(fieldObj.name == 'Last Name') { name = fieldObj.value; } } catch (e) {} } } trackVisitor3883025000007740007(); if(!validateEmail3883025000007740007()){return false;} document.querySelector('.crmWebToEntityForm .formsubmit').setAttribute('disabled', true); } function tooltipShow3883025000007740007(el){ var tooltip = el.nextElementSibling; var tooltipDisplay = tooltip.style.display; if(tooltipDisplay == 'none'){ var allTooltip = document.getElementsByClassName('zcwf_tooltip_over'); for(i=0; i<allTooltip.length; i++){ allTooltip[i].style.display='none'; } tooltip.style.display = 'block'; }else{ tooltip.style.display='none'; } } var $zoho= $zoho || {};$zoho.salesiq = $zoho.salesiq || {widgetcode:'bd812ff9f10013ac6c2e466111bbef8d9b784a397f834181032d1271a5311a8cfd06c71ed649cf90a8aa7eac3c82f084', values:{},ready:function(){}};var d=document;s=d.createElement('script');s.type='text/javascript';s.id='zsiqscript';s.defer=true;s.src='https://salesiq.zoho.com/widget';t=d.getElementsByTagName('script')[0];t.parentNode.insertBefore(s,t);function trackVisitor3883025000007740007(){try{if($zoho){var LDTuvidObj = document.forms['WebToLeads3883025000007740007']['LDTuvid'];if(LDTuvidObj){LDTuvidObj.value = $zoho.salesiq.visitor.uniqueid();}var firstnameObj = document.forms['WebToLeads3883025000007740007']['First Name'];if(firstnameObj){name = firstnameObj.value +' '+name;}$zoho.salesiq.visitor.name(name);var emailObj = document.forms['WebToLeads3883025000007740007']['Email'];if(emailObj){email = emailObj.value;$zoho.salesiq.visitor.email(email);}}} catch(e){}}
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    html,body{ margin: 0px; } #crmWebToEntityForm.zcwf_lblRight { width:100%; padding: 25px; margin: 0 auto; box-sizing: border-box; } #crmWebToEntityForm.zcwf_lblRight * { box-sizing: border-box; } #crmWebToEntityForm{text-align: left;} #crmWebToEntityForm * { direction: ltr; } .zcwf_lblRight .zcwf_title { word-wrap: break-word; padding: 0px 6px 10px; font-weight: bold; } .zcwf_lblRight .zcwf_col_fld input[type=text], .zcwf_lblRight .zcwf_col_fld textarea { width: 60%; border: 1px solid #ccc !important; resize: vertical; border-radius: 2px; float: left; } .zcwf_lblRight .zcwf_col_lab { width: 30%; word-break: break-word; padding: 0px 6px 0px; margin-right: 10px; margin-top: 5px; float: left; min-height: 1px; text-align: right; } .zcwf_lblRight .zcwf_col_fld { float: left; width: 68%; padding: 0px 6px 0px; position: relative; margin-top: 5px; } .zcwf_lblRight .zcwf_privacy{padding: 6px;} .zcwf_lblRight .wfrm_fld_dpNn{display: none;} .dIB{display: inline-block;} .zcwf_lblRight .zcwf_col_fld_slt { width: 60%; border: 1px solid #ccc; background: #fff; border-radius: 4px; font-size: 16px; float: left; resize: vertical; } .zcwf_lblRight .zcwf_row:after, .zcwf_lblRight .zcwf_col_fld:after { content: ''; display: table; clear: both; } .zcwf_lblRight .zcwf_col_help { float: left; margin-left: 7px; font-size: 16px; max-width: 35%; word-break: break-word; } .zcwf_lblRight .zcwf_help_icon { cursor: pointer; width: 16px; height: 16px; display: inline-block; background: #fff; border: 1px solid #ccc; color: #ccc; text-align: center; font-size: 11px; line-height: 16px; font-weight: bold; border-radius: 50%; } .zcwf_lblRight .zcwf_row {margin: 15px 0px;} .zcwf_lblRight .formsubmit { margin-right: 5px; cursor: pointer; color: #333; font-size: 16px; } .zcwf_lblRight .zcwf_privacy_txt { color: rgb(0, 0, 0); font-size: 16px; font-family: Arial; display: inline-block; vertical-align: top; color: #333; padding-top: 2px; margin-left: 6px; } .zcwf_lblRight .zcwf_button { font-size: 16px; color: #333; border: 1px solid #ccc; padding: 3px 9px; border-radius: 4px; cursor: pointer; max-width: 120px; overflow: hidden; text-overflow: ellipsis; white-space: nowrap; } .zcwf_lblRight .zcwf_tooltip_over{ position: relative; } .zcwf_lblRight .zcwf_tooltip_ctn{ position: absolute; background: #dedede; padding: 3px 6px; top: 3px; border-radius: 4px;word-break: break-all; min-width: 50px; max-width: 150px; color: #333; } .zcwf_lblRight .zcwf_ckbox{ float: left; } .zcwf_lblRight .zcwf_file{ width: 55%; box-sizing: border-box; float: left; } .clearB:after{ content:''; display: block; clear: both; } @media all and (max-width: 600px) { .zcwf_lblRight .zcwf_col_lab, .zcwf_lblRight .zcwf_col_fld { width: auto; float: none !important; } .zcwf_lblRight .zcwf_col_help {width: 40%;} .zcwf_lblRight.zcwf_rtl .zcwf_col_lab {text-align: left;} .zcwf_lblRight.zcwf_rtl .zcwf_col_lab {text-align: right;} }
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    /* Do not remove this code. */ function reloadImg3883025000007740007() { var captcha = document.getElementById('imgid3883025000007740007'); if(captcha.src.indexOf('&d') !== -1 ) { captcha.src = captcha.src.substring(0, captcha.src.indexOf('&d'))+'&d'+new Date().getTime(); }else{ captcha.src = captcha.src+'&d'+new Date().getTime(); } } function validateEmail3883025000007740007() { var form = document.forms['WebToLeads3883025000007740007']; var emailFld = form.querySelectorAll('[ftype=email]'); var i; for (i = 0; i < emailFld.length; i++) { var emailVal = emailFld[i].value; if((emailVal.replace(/^\s+|\s+$/g, '')).length!=0 ) { var atpos=emailVal.indexOf('@'); var dotpos=emailVal.lastIndexOf('.'); if (atpos<1 || dotpos=emailVal.length) { alert('Please enter a valid email address. '); emailFld[i].focus(); return false; } } } return true; } function checkMandatory3883025000007740007() { var mndFileds = new Array('Company','First Name','Last Name','Email','Phone'); var fldLangVal = new Array('Company','First\x20Name','Last\x20Name','Email','Phone'); for(i=0;i<mndFileds.length;i++) { var fieldObj=document.forms['WebToLeads3883025000007740007'][mndFileds[i]]; if(fieldObj) { if (((fieldObj.value).replace(/^\s+|\s+$/g, '')).length==0) { if(fieldObj.type =='file') { alert('Please select a file to upload.'); fieldObj.focus(); return false; } alert(fldLangVal[i] +' cannot be empty.'); fieldObj.focus(); return false; } else if(fieldObj.nodeName=='SELECT') { if(fieldObj.options[fieldObj.selectedIndex].value=='-None-') { alert(fldLangVal[i] +' cannot be none.'); fieldObj.focus(); return false; } } else if(fieldObj.type =='checkbox'){ if(fieldObj.checked == false){ alert('Please accept '+fldLangVal[i]); fieldObj.focus(); return false; } } try { if(fieldObj.name == 'Last Name') { name = fieldObj.value; } } catch (e) {} } } if(!validateEmail3883025000007740007()){return false;} document.querySelector('.crmWebToEntityForm .formsubmit').setAttribute('disabled', true); } function tooltipShow3883025000007740007(el){ var tooltip = el.nextElementSibling; var tooltipDisplay = tooltip.style.display; if(tooltipDisplay == 'none'){ var allTooltip = document.getElementsByClassName('zcwf_tooltip_over'); for(i=0; i<allTooltip.length; i++){ allTooltip[i].style.display='none'; } tooltip.style.display = 'block'; }else{ tooltip.style.display='none'; } }
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    html,body{ margin: 0px; } #crmWebToEntityForm.zcwf_lblRight { width:100%; padding: 25px; margin: 0 auto; box-sizing: border-box; } #crmWebToEntityForm.zcwf_lblRight * { box-sizing: border-box; } #crmWebToEntityForm{text-align: left;} #crmWebToEntityForm * { direction: ltr; } .zcwf_lblRight .zcwf_title { word-wrap: break-word; padding: 0px 6px 10px; font-weight: bold; } .zcwf_lblRight .zcwf_col_fld input[type=text], .zcwf_lblRight .zcwf_col_fld textarea { width: 60%; border: 1px solid #c0c6cc !important; resize: vertical; border-radius: 2px; float: left; } .zcwf_lblRight .zcwf_col_lab { width: 30%; word-break: break-word; padding: 0px 6px 0px; margin-right: 10px; margin-top: 5px; float: left; min-height: 1px; text-align: right; } .zcwf_lblRight .zcwf_col_fld { float: left; width: 68%; padding: 0px 6px 0px; position: relative; margin-top: 5px; } .zcwf_lblRight .zcwf_privacy{padding: 6px;} .zcwf_lblRight .wfrm_fld_dpNn{display: none;} .dIB{display: inline-block;} .zcwf_lblRight .zcwf_col_fld_slt { width: 60%; border: 1px solid #ccc; background: #fff; border-radius: 4px; font-size: 16px; float: left; resize: vertical; padding: 2px 5px; } .zcwf_lblRight .zcwf_row:after, .zcwf_lblRight .zcwf_col_fld:after { content: ''; display: table; clear: both; } .zcwf_lblRight .zcwf_col_help { float: left; margin-left: 7px; font-size: 16px; max-width: 35%; word-break: break-word; } .zcwf_lblRight .zcwf_help_icon { cursor: pointer; width: 16px; height: 16px; display: inline-block; background: #fff; border: 1px solid #c0c6cc; color: #c1c1c1; text-align: center; font-size: 11px; line-height: 16px; font-weight: bold; border-radius: 50%; } .zcwf_lblRight .zcwf_row {margin: 15px 0px;} .zcwf_lblRight .formsubmit { margin-right: 5px; cursor: pointer; color: var(--baseColor); font-size: 16px; } .zcwf_lblRight .zcwf_privacy_txt { width: 90%; color: rgb(0, 0, 0); font-size: 16px; font-family: Arial; display: inline-block; vertical-align: top; color: var(--baseColor); padding-top: 2px; margin-left: 6px; } .zcwf_lblRight .zcwf_button { font-size: 16px; color: var(--baseColor); border: 1px solid #c0c6cc; padding: 3px 9px; border-radius: 4px; cursor: pointer; max-width: 120px; overflow: hidden; text-overflow: ellipsis; white-space: nowrap; } .zcwf_lblRight .zcwf_tooltip_over{ position: relative; } .zcwf_lblRight .zcwf_tooltip_ctn{ position: absolute; background: #dedede; padding: 3px 6px; top: 3px; border-radius: 4px;word-break: break-word; min-width: 100px; max-width: 150px; color: var(--baseColor); z-index: 100; } .zcwf_lblRight .zcwf_ckbox{ float: left; } .zcwf_lblRight .zcwf_file{ width: 55%; box-sizing: border-box; float: left; } .clearB:after{ content:''; display: block; clear: both; } @media all and (max-width: 800px) { .zcwf_lblRight .zcwf_col_lab, .zcwf_lblRight .zcwf_col_fld { width: auto; float: none !important; } .zcwf_lblRight .zcwf_col_help {width: 40%;} .zcwf_lblRight.zcwf_rtl .zcwf_col_lab {text-align: left;} .zcwf_lblRight.zcwf_rtl .zcwf_col_lab {text-align: right;} }
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    -None- Advertisement Outreach i.e. cold call/email Former Customer CT Employee Referral External Referral Current Customer Referral LP Lite LinkedIn Media Referral Twitter CT Webinar Trade Show Chat Web Google AdWords Regulator Referral Demo Request
    /* Do not remove this code. */ function reloadImg3883025000007740007() { var captcha = document.getElementById('imgid3883025000007740007'); if(captcha.src.indexOf('&d') !== -1 ) { captcha.src = captcha.src.substring(0, captcha.src.indexOf('&d'))+'&d'+new Date().getTime(); }else{ captcha.src = captcha.src+'&d'+new Date().getTime(); } } function validateEmail3883025000007740007() { var form = document.forms['WebToLeads3883025000007740007']; var emailFld = form.querySelectorAll('[ftype=email]'); var i; for (i = 0; i < emailFld.length; i++) { var emailVal = emailFld[i].value; if((emailVal.replace(/^\s+|\s+$/g, '')).length!=0 ) { var atpos=emailVal.indexOf('@'); var dotpos=emailVal.lastIndexOf('.'); if (atpos<1 || dotpos=emailVal.length) { alert('Please enter a valid email address. '); emailFld[i].focus(); return false; } } } return true; } function checkMandatory3883025000007740007() { var mndFileds = new Array('Company','First Name','Last Name','Email','Phone'); var fldLangVal = new Array('Company','First\x20Name','Last\x20Name','Email','Phone'); for(i=0;i<mndFileds.length;i++) { var fieldObj=document.forms['WebToLeads3883025000007740007'][mndFileds[i]]; if(fieldObj) { if (((fieldObj.value).replace(/^\s+|\s+$/g, '')).length==0) { if(fieldObj.type =='file') { alert('Please select a file to upload.'); fieldObj.focus(); return false; } alert(fldLangVal[i] +' cannot be empty.'); fieldObj.focus(); return false; } else if(fieldObj.nodeName=='SELECT') { if(fieldObj.options[fieldObj.selectedIndex].value=='-None-') { alert(fldLangVal[i] +' cannot be none.'); fieldObj.focus(); return false; } } else if(fieldObj.type =='checkbox'){ if(fieldObj.checked == false){ alert('Please accept '+fldLangVal[i]); fieldObj.focus(); return false; } } try { if(fieldObj.name == 'Last Name') { name = fieldObj.value; } } catch (e) {} } } trackVisitor3883025000007740007(); if(!validateEmail3883025000007740007()){return false;} document.querySelector('.crmWebToEntityForm .formsubmit').setAttribute('disabled', true); } function tooltipShow3883025000007740007(el){ var tooltip = el.nextElementSibling; var tooltipDisplay = tooltip.style.display; if(tooltipDisplay == 'none'){ var allTooltip = document.getElementsByClassName('zcwf_tooltip_over'); for(i=0; i<allTooltip.length; i++){ allTooltip[i].style.display='none'; } tooltip.style.display = 'block'; }else{ tooltip.style.display='none'; } } var $zoho= $zoho || {};$zoho.salesiq = $zoho.salesiq || {widgetcode:'bd812ff9f10013ac6c2e466111bbef8d9b784a397f834181032d1271a5311a8cfd06c71ed649cf90a8aa7eac3c82f084', values:{},ready:function(){}};var d=document;s=d.createElement('script');s.type='text/javascript';s.id='zsiqscript';s.defer=true;s.src='https://salesiq.zoho.com/widget';t=d.getElementsByTagName('script')[0];t.parentNode.insertBefore(s,t);function trackVisitor3883025000007740007(){try{if($zoho){var LDTuvidObj = document.forms['WebToLeads3883025000007740007']['LDTuvid'];if(LDTuvidObj){LDTuvidObj.value = $zoho.salesiq.visitor.uniqueid();}var firstnameObj = document.forms['WebToLeads3883025000007740007']['First Name'];if(firstnameObj){name = firstnameObj.value +' '+name;}$zoho.salesiq.visitor.name(name);var emailObj = document.forms['WebToLeads3883025000007740007']['Email'];if(emailObj){email = emailObj.value;$zoho.salesiq.visitor.email(email);}}} catch(e){}}
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