LendingPatterns™
Advanced HMDA Analytics for Fair Lending, Risk Detection, and Market Intelligence
LendingPatterns™ delivers regulatory-aligned analytics to help you benchmark performance, detect risk, and uncover opportunity across your lending footprint. Built to mirror how regulators evaluate institutions, it enables deeper insight into underwriting, pricing, redlining, and steering—so you can act with confidence.
What can LendingPatterns™ do for you?
Explore the capabilities that power advanced HMDA analysis, fair lending risk detection, and market intelligence
Performance Benchmarking & Peer Intelligence
- Benchmark lending performance against custom peer groups defined by business model and financial characteristics
- Identify performance gaps and outliers across products, geographies, and borrower segments
- Measure market penetration and share within and beyond Assessment Areas
- Track progress against strategic lending goals with trend analysis and performance monitoring, including year-to-date activity
Fair Lending Risk Analytics
- Detect and analyze disparities in pricing, underwriting, and outcomes
- Conduct gap analysis across race/ethnicity, gender, and income segments
- Identify redlining and steering risk patterns using regulator-aligned methodologies
- Perform evidence-based fair lending scoping to support exams and internal reviews
Regulatory-Aligned Methodology
- Built on FFIEC risk factors to support fair lending analysis and exam readiness
- Applies a structured, regulator-informed framework to consistently evaluate lending performance and risk
- Incorporates advanced peer group methodology, including activity-based filters that exclude lenders with less than half or more than twice the selected lender’s HMDA volume
- Provides defensible, evidence-based results aligned with regulatory expectations
Market Intelligence & Opportunity Analysis
- Uncover production opportunities through market and demographic insights
- Analyze historical trends and emerging lending patterns
- Evaluate market positioning and competitive dynamics
- Identify growth gaps and underserved segments
- Identify community development and CRA-related lending opportunities across geographies and borrower segments
Interactive Data Exploration
- Drill down into the data to answer complex lending questions instantly
- Dynamic charts, maps, and visualizations
- Explore performance by custom geographies, borrower profiles, and loan attributes
- Move seamlessly from high-level insights to loan-level detail
Custom Reporting & Analytics
- Build tailored reports aligned to your institution’s strategy and risk priorities
- Create refined peer groups for highly targeted comparisons
- Generate actionable insights for executives, compliance teams, and examiners
Why LendingPatterns™
Turn HMDA data into actionable intelligence
Move beyond static reports to dynamic, inquiry-driven analysis
Gain clarity on where you stand, where you’re exposed, and where you can grow
What our customers say
We felt confident this product would help us meet our regulatory goals.
Thank you for always being there for us and for all your support. It is truly appreciated.