How does your institution measure up?

Peer Analyses

Stay a step ahead of regulatory requirements by ordering a peer analysis of your lending marketplace. Enforcement agencies expect mortgage institutions to measure loan distribution in underserved areas, compared to lending activity by other lenders. In particular, a key imperative to a fair lending strategic plan is serving low-and moderate-income (LMI) and majority-minority tract (MMT) communities.

Peer analyses have been noted as a stipulation in redlining Consent Orders by the U.S. Department of Justice (DOJ). In fact, institutions were penalized because of little or no activity in assessed areas, where the DOJ found active lending by other institutions. A peer analysis is a comparative review of similarly-situated lenders who are selected based on geographic charter, asset size, and number of retail branches.

Housing Research, LLC provides peer analyses based on the most recently available HMDA data. Reports summarize the following loan characteristics:

  • Loan disposition
  • Race
  • Hispanic origin
  • MSA income level
  • Minority Tract %
  • Loan Type
  • Loan Purpose


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