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Why We Love Branch Analysis (And You Should, Too!)

Analyzing branch penetration helps lenders see how many branches are in minority areas.  Several legal cases point to the importance of self-monitoring by conducting a branch penetration analysis showing your branches' concentration in high-minority areas.  In March...

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Approaches to Peer Analysis in LendingPatterns™

One of the great features of LendingPatterns™ is that any lender’s diverse lending performance can be analyzed in the context of other lenders in the same market.  This is the only way a given lender’s performance can be said to be above or below expectations. ...

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12 Questions to ask a Fair Lending Software Vendor

Finding a fair lending compliance tool to make it easier for you to efficiently and effectively monitor your lending data is a challenge. Knowing exactly what to ask the vendor can ease the selection process. Below are twelve suggested questions to ask: How long has...

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Time to be conscious of changing demographics

It is a good idea to study your top markets and familiarize yourself with the changing demographics in those geographies. But especially now, as the data used in market penetration analyses are changing, it would be wise to devote some attention to demographics....

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Pathway to Fair Lending Excellence

ComplianceTech is featured in this month's Banking CIO Outlook.  Maurice Jourdain-Earl, Managing Director, of ComplianceTech spoke to editors about ComplianceTech and our fair lending analytical tools.   The article appears in Banking CIO Outlook. .  

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2016 HMDA Shows One Million Jump in Mortgages

The 2016 Home Mortgage Disclosure Act data is out! Analyses of it from LendingPatterns™ will be available shortly, but in the meantime I am going to look at the Fed analysis that has just been released on last year’s lending. The Fed report shows 2016 lending volume...

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California Is Number One, but Who Is Number Two?

The top state for mortgages last year, this year and every year, is California. But which is the nation’s second state for home loans? Is it Florida, Texas, New York, Illinois? Early look Home Mortgage Disclosure Act (HMDA) reporters show that as of Sept. 25, it was...

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Nearly Half a Million HMDA Mortgages in California

As the fall gets underway I am looking forward to the release of the full 2016 Home Mortgage Data Act (HMDA) report by the Federal Financial Institutions Examination Council. In the meantime, let’s see what Early Look filers will tell us about the biggest mortgage...

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Rural America Gets Mortgages, Too

With LendingPatterns™ you can measure the volume of mortgages done in all of the country’s metropolitan statistical areas. But what if the rural parts of the country interest you as much as the urban parts? There is a good bit of information I’ve been able to glean...

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