HMDA fair lending analysis

What's your HMDA data telling you (and your examiners)?

Regulators and community groups can review your HMDA data and identify risk indicators of potential unfair, discriminatory lending.

But with our HMDA analysis, you can analyze your data before they do and have your explanations or solutions ready. Let Wipfli help by:

  • Analyzing your data electronically, saving you hours of work.
  • Creating reports that allow you to easily see any risk indicators of fair lending concerns.

For just $1,000, you receive two scorecards:

1. HMDA underwriting scorecard based on ethnicity, race and gender. Includes:

  • Approval/denial analysis
  • Processing times
  • Withdrawn/incomplete rates

2. Pricing scorecard based on ethnicity, race and gender. Includes:

  • Pricing analysis of average interest rates and/or annual percentage rates (if such pricing data is provided).
  • If the interest rate and/or annual percentage rate is not available, your pricing analysis will provide an analysis of HOEPA originations.

What if the scorecards show areas of possible fair-lending implications? 

Wipfli can help with that, too.

If data such as credit scores, debt-to-income ratios, loan-to-value ratios and rate set dates are available, we review electronic files to identify potential areas of concern.

You then receive reports showing any potential matched pairs between the protected class (target group) and the control group. If the initial data analysis warrants a closer look, we can create a comparative file review report for these categories, as applicable:

  • Approvals/denials by ethnicity
  • Approvals/denials by race
  • Approval/denials by gender
  • Pricing disparities by ethnicity
  • Pricing disparities by race
  • Pricing disparities by gender

File review reports will be provided at an additional cost of $375 each.

Special pricing! If you schedule your HMDA analysis before May 1, 2021, you'll receive a $100 discount.

To receive the $100 discount, fill in the form to schedule your HMDA analysis before May 1, 2021

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