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Tag: HMDA

3 articles tagged “HMDA”
Mortgage

Eight AI Tools, Eight Copies of the Loan: The Reconciliation Work and the Fractured Audit Trail Nobody Priced Into the Stack

A lender buys the best extraction tool, the best income tool, the best QC tool, and ends up with eight copies of the same loan that have to be reconciled by hand and an audit trail scattered across eight vendors. The hidden cost is not the license fees. It is the integration tax, the HMDA data-integrity exposure when the systems disagree, and the fair-lending record you cannot assemble because no single system holds the decision. Why shared state beats best-of-breed in a regulated process.

5 min read
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Compliance

HMDA Data Integrity for AI-Driven Loan Origination: The Reg C LAR Fields, the Resubmission Threshold, and the Audit File That Survives

AI agents on the mortgage intake desk now populate a meaningful share of the 110 HMDA LAR fields before a human ever looks at the file. The Reg C accuracy rules and the CFPB resubmission threshold catch the gaps before fair-lending analysis ever runs, and the architecture has to make field provenance and correction provable per loan.

15 min read
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Compliance

Fair Lending Testing for AI Agents: A Disparate Impact Playbook Under ECOA, HMDA, and the FHA

A working method for fair-lending testing of AI agents used in origination, marketing, and servicing — covering disparate impact, less-discriminatory-alternative search, marketing steering, and the exam-ready file.

6 min read
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