Fair Lending Analytics

  • Marketplace Assessments 
  • Similarly Situated Peer Analyses 
  • Appraisal Gap Analyses
  • Tract-level redlining analyses

Housing Research provides a range of services to help financial institutions support fair and inclusive lending outreach. Service options and sample reports are described below.  For information and pricing, call Anna DeSimone at 475-256-0074 or email 

Marketplace Assessments 

In-depth demographics and homeownership potential     

  • Available for any U.S. state, MSA, county, city, zip code, or census tract.
  • Population demographics, household income, languages spoken, and housing characteristics. 
  • Estimated mortgage affordability based on median housing costs and household income for the tract, city or county.
  • Report options include maps and listings of housing partnership agencies and local homebuyer assistance sources.
  • Pricing based on a flat-fee for each geo-segment (census tract, county, etc.) 

Click image to review sample report

Mortgage Lending Peer Analysis  

HMDA activity for similarly situated institutions

  • Loan disposition by race, ethnicity, and income level.
  • Metrics include loan type, LMI and minority tract percent. 
  • Choose any State or County.
  • Customized options for clients include tract-level redlining analyses.  

Click image to view sample report


Appraisal Gap Analysis    

Minority tract appraisal statistics

  • Median values of real estate appraisals.
  • Statistics for below-contract, at-contract, or above contract values.
  • Metrics for 0-50%, 50-80%, and 80-100% minority areas.

Click image to view sample report

Visit our policy manual information page. 



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