Lending patterns in view
Explore geographic, underwriting and pricing patterns to identify areas that deserve further investigation.
FOR BANKS, CREDIT UNIONS AND MORTGAGE LENDERS
PRODUCT · FAIR LENDING TESTING
Ask Kaia Fair Lending Compliance Testing Agent
Find potential lending disparities with less manual analysis and clearer evidence.
FINANCIAL INSTITUTIONS USING 360FACTORS SOLUTIONS
FAIR LENDING TESTING AT A GLANCE
4Guided steps from LAR upload to run
PeersOptional benchmarking for added context
WordDownloadable audit report for review
THE PROBLEM
Improve Pattern Recognition Compared to Individual Loan Reviews
Potential disparities emerge across lending outcomes, pricing and geographies. Comparing those patterns and gathering policy evidence by hand leaves less time to investigate what they mean.
Manual comparisons
Fragmented evidence
Repeated report assembly
WITH ASK KAIA
Ask Kaia Fair Lending Compliance Testing Agent brings lending data, supporting documents and analysis into a guided review. Identify potential disparities, explore matched pairs and add peer context. Dashboard findings and downloadable workpapers help your team investigate concerns and prepare for management review, audits and examinations.
Peer context when needed
Add optional peer benchmarking to understand how your lending activity compares with relevant institutions.
Evidence alongside data
Include policies, marketing and training materials to assess lending patterns in the context of your own practices.
Less report assembly
Download a Word audit report and section workpapers so reviewers can start with documented findings.
FEATURES
Take a fair lending review from data to documented findings
Upload your LAR, add supporting evidence and choose a review period. Ask Kaia organizes the analysis so your specialists can focus on potential concerns and the appropriate response.
- 01
Upload your Loan Application Register (LAR) to analyze lending patterns across the data supplied.
- 02
Add policies, marketing and training materials to connect the analysis with your institution’s practices.
- 03
Reuse documents already stored in Ask Kaia to reduce repeated file collection.
- 04
Select a review period so each analysis matches the scope of your testing cycle.
- 05
Enable optional peer benchmarking to place your institution’s lending patterns in context.
- 06
Explore geographic and pricing patterns to find segments that warrant investigation.
- 07
Use matched-pair analysis to compare denied applications with similar control groups.
- 08
Filter dashboard results by product, geography or outcome to focus your review.
- 09
Read a plain-language executive summary to understand key findings before examining the detail.
- 10
Download a Word audit report and supporting workpapers for internal review and examination preparation.
CAPABILITIES
Understand Patterns, Context and Evidence
Review potential disparities, compare relevant peers and document the work in one guided workflow. Your fair lending professionals evaluate the findings and decide what happens next.
ANALYZE
Lending pattern analysis
Explore geographic, pricing and underwriting patterns. Matched-pair analysis helps reviewers investigate different outcomes for similar applicants.
COMPARE
Optional peer benchmarking
Compare your lending activity with relevant peers for additional context. Adjust peer selections in the dashboard to explore the comparisons that matter to your review.
DOCUMENT
Evidence and workpapers
Bring policies, marketing and training materials into the review. Download a Word audit report and section workpapers to support management, audit and examination preparation.
BY ROLE
Give each stakeholder a clearer basis for review
CHIEF COMPLIANCE OFFICER
You need consistent testing and findings your team can explain.
Use a guided review to bring lending data, supporting documents and results together. The executive summary helps you understand the key findings, while the dashboard and Word audit report give your team detail to investigate and discuss with management.
Request a demoWorkflowConsistent steps for each testing cycle
EvidenceDocuments alongside lending data
ReportsFindings prepared for internal review
CHIEF RISK OFFICER
You need to know which lending patterns deserve closer attention.
Explore geographic, pricing and underwriting patterns with optional peer context. Interactive filters and matched-pair analysis help your specialists examine potential disparities and explain where additional investigation is warranted.
Request a demoPatternsGeographic and pricing views
PeersOptional comparison context
PairsSimilar applications for investigation
CHIEF EXECUTIVE OFFICER
You need clear findings without asking staff to rebuild every report.
Review plain-language findings and documented analysis prepared by your compliance team. A repeatable workflow reduces manual comparison and report assembly, giving specialists more time to investigate concerns and explain the appropriate response.
Request a demoSummaryPlain-language view of key findings
ContextSupporting analysis for discussion
ReviewHuman judgment directs follow-up
CHALLENGES
Turn a flagged pattern into a focused investigation
A difference in lending outcomes raises a question, but your team needs context to assess it. Ask Kaia brings geographic views, matched-pair analysis and optional peer comparisons into the dashboard, helping reviewers examine the pattern and determine what additional evidence they need.
GEOGRAPHIC PATTERNS
MATCHED-PAIR ANALYSIS
PEER CONTEXT
- 01
Patterns are hard to isolate
Filter the dashboard by product, geography or outcome to focus on the segment under review. Geographic and pricing views help your team find patterns that warrant further investigation.
- 02
Comparisons take manual work
Matched-pair analysis compares denied applications with similar control groups. Optional peer benchmarking adds institutional context, helping specialists assess differences before deciding on follow-up.
- 03
Evidence sits in separate files
Bring policies, marketing and training materials into the review alongside your LAR. Document evidence coverage and downloadable workpapers help your team connect findings with the practices it needs to examine.
FOR THE WHOLE TEAM
Spend more review time on the findings that matter
FAIR LENDING REVIEWERS
COMPLIANCE MANAGERS
BOARD MEMBERS
Fair lending specialists need detailed comparisons. Compliance managers need a repeatable testing process. Executives and board members need findings they can understand. Ask Kaia provides interactive analysis and downloadable documentation so your team can investigate, review and explain the results.
Focused investigation
Explore flagged segments and filter the dashboard to the products, geographies or outcomes under review.
Consistent testing
Follow the same intake and review steps to reduce variation across testing cycles.
Less evidence gathering
Reuse relevant documents from the Ask Kaia repository instead of collecting the same files again.
Clearer comparisons
Use matched pairs and optional peer benchmarks to support your specialists’ assessment.
Less report assembly
Download a Word audit report and section workpapers for management, audit and examination preparation.
Clearer management updates
Use the executive summary and supporting analysis to explain findings and the need for follow-up.
EVALUATION FAQ
Questions about fair lending testing
Understand the inputs, analysis and reporting before choosing how the agent will support your fair lending review.
The agent supports fair lending reviews for banks, credit unions and mortgage lenders. Fair lending specialists, compliance officers and analysts can use it to analyze lending patterns and prepare documented findings. Risk leaders and executives can review the resulting summaries with their compliance teams. Testing scope should reflect your lending activity, institution type, charter where applicable and states of operation.
Start with your Loan Application Register (LAR) and select the review period. Supporting documents are optional: you can upload policies, marketing or training materials, or select existing documents from the Ask Kaia repository. These materials add context to the lending data. Your 360factors representative can confirm file preparation requirements and upload limits for your review.
Matched-pair analysis lets reviewers compare denied applications with similar control groups to identify potentially different outcomes. It helps your specialists focus their investigation on comparable applications and assess the reasons for those outcomes. A flagged difference is a starting point for review; your team evaluates the underlying evidence and determines whether further investigation is appropriate.
No. Peer benchmarking is optional when you set up the review. If you enable it, the dashboard includes peer comparisons, and you can adjust the peer selections. This provides context for understanding your institution’s lending patterns. Your reviewers still need to assess whether the selected peers and available data are suitable for the question they are investigating.
You can download a Fair Lending Compliance Audit Report as a Word document and generate section workpapers from the dashboard. These outputs bring findings and supporting analysis together for internal review, management reporting and examination preparation. Your team reviews the material before relying on it; the output supports professional judgment and does not establish a compliance conclusion by itself.
The HMDA Compliance Testing Agent focuses on potential data discrepancies in the LAR and supporting loan documents. The Fair Lending Compliance Testing Agent examines lending patterns and potential disparities, with matched-pair analysis and optional peer comparisons. They support different review questions: whether the submitted data needs correction, and which patterns in lending activity warrant closer investigation.
Fair Lending Compliance Testing Agent RESOURCES
CUSTOMER VOICES
What customers say about 360factors
REVIEWS & RECOGNITION
