For anyone who needs to understand the who, what, and where of mortgage lending in America. LendingPatterns™ is an easy-to-use HMDA analysis solution with the power and flexibility to generate custom market analysis reports and identify fair lending risks related to underwriting, pricing, redlining, and steering, compared to peers.

Laptop with info about our fair lending compliance tool

What can LendingPatterns™ do for you?

Features and benefits of LendingPatterns™

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Getting Started

✔ No software to install

✔ No hidden server cost

✔ Register online and get
started with HMDA/
fair lending analysis
the same day

✔ No multi-year contract
obligation

• FFIEC Guidelines and Exam Prep
• Borrower characteristic
• Charts and Maps
• Marketing Risk Factors
• Lender Overview
• Assessment of Fair Housing
• Application characteristics
• Parent company risk analysis
• Custom peer group
• Interactive charts
• Market Analysis
• Lending performance benchmarks
• Market intelligence

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Data Analytics

✔ Monitor lending performance
inside and outside of
Assessment Areas

✔ ‘Robust peer selection tool’
defines similarly-situated lenders
by business model metrics

✔ Gauge compliance performance
with built-in FFIEC examiner
redlining risk factors

• Custom geography
• Performance outliers
• Evidence-based assessments
• Historical data
• Area demographics
• Redlining risk factors
• Production opportunities
• Drill-down ability
• Robust peer selection
• Underwriting risk factors
• Pricing risk factors
• GSE goals
• Custom reporting

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Community Management

✔ Frequent workshops offered
through free online training
with live instruction

✔ All maintenance included
in annual license fee

• Disparity analysis
• Historical data
• HMDA tables
• Lender risk analysis
• Spread profile
• LAR count
• Fair Lending Scoping
• Disparity analysis
• Community Reinvestment Act
analysis
• Ethnicity disparity profile
• Gender disparity profile

Request a demo