FOR HMDA-REPORTING LENDERS

PRODUCT · HMDA COMPLIANCE TESTING

Ask Kaia HMDA Compliance Testing Agent

Review more loan files with less manual work and a documented trail of findings.

Ask Kaia HMDA review showing a flagged loan field and the explanation for the finding.

FINANCIAL INSTITUTIONS USING 360FACTORS SOLUTIONS

Clear Fork Bank First Hawaiian Bank HarborOne Bank ManhattanLife Republic Bank PCB Bank BB Americas Bank

HMDA TESTING AT A GLANCE

Full LARReview beyond a loan sample
2Report formats: Word and Excel
3Scope options: all, sample or date range

THE PROBLEM

Spend less time checking files and compiling evidence

Manual HMDA reviews tie up experienced staff. When testing steps and evidence sit in separate spreadsheets and emails, consistent review and exam preparation take more work.

Manual file checks Inconsistent reviews Scattered evidence

WITH ASK KAIA

Ask Kaia HMDA Compliance Testing Agent brings LAR intake, document checks and reporting into a guided workflow. It flags potential discrepancies and explains findings so your team can focus on investigation and remediation. Use it to support Home Mortgage Disclosure Act (HMDA) reviews across banks, credit unions, mortgage companies and other HMDA-reporting lenders.

01

Guided file intake

Upload your LAR and supporting documents together so reviewers can start from the same evidence.

02

Flexible testing scope

Review all files, a sample or a date range to match the scope of your testing plan.

03

Field-level findings

See which loan fields need attention and why, so reviewers can focus their investigation.

04

Downloadable reports

Export a Word summary and Excel detail for management reporting, quality assurance and exam preparation.

FEATURES

Run HMDA reviews from intake through reporting

Use one repeatable process to select files, identify potential errors and document results. Your team reviews the findings and makes corrections in its loan origination system.

  1. 01

    Upload your LAR in Excel or CSV format to begin a review.

  2. 02

    Add supporting PDFs, Word documents and images in a ZIP file for document comparison.

  3. 03

    Select all files, a sample or a date range to match your testing scope.

  4. 04

    Check your selections before launching the review to reduce setup mistakes.

  5. 05

    Compare LAR data with supporting documents to flag potential discrepancies.

  6. 06

    Filter to loans with findings so reviewers can focus their investigation.

  7. 07

    Display only flagged fields to see the specific data that needs attention.

  8. 08

    Read explanations and suggested correction paths before deciding how to resolve a finding.

  9. 09

    Revisit previous executions to maintain continuity across team reviews.

  10. 10

    Download a Word summary and Excel detail to support reporting and examination preparation.

CAPABILITIES

Test more files and make findings easier to review

Choose the review scope, investigate the exceptions and retain the evidence. Each step helps your team spend less time assembling a review and more time acting on it.

TEST

Full-LAR or sample testing

Choose all files, a sample or a date range. Review the population your testing plan calls for through the same guided workflow.

REVIEW

Loan and field-level findings

Filter to affected loans and fields. Read the explanation behind each finding to decide what needs investigation and correction.

DOCUMENT

Word and Excel reporting

Share a concise Word summary and detailed Excel findings. Give management and reviewers a record they can use without rebuilding the results.

BY ROLE

HMDA findings your team can review and explain

CHIEF COMPLIANCE OFFICER

You need consistent HMDA reviews and evidence you can explain.

Give your reviewers the same guided process for testing and documenting findings. Use loan-level explanations and downloadable reports to support quality assurance and exam preparation while your team retains responsibility for decisions and corrections.

Request a demo
Loan-levelFindings for targeted review
Field-levelExplanations for flagged data
Word + ExcelReports for QA and exam preparation

CHALLENGES

Make HMDA exceptions easier to investigate

Testing more files helps only if reviewers can understand the results. Ask Kaia organizes findings by loan and field, with explanations that help your team investigate potential errors and decide what to correct in the loan origination system.

LOANS WITH FINDINGS FLAGGED FIELDS REVIEW EXPLANATIONS
An anonymized borrower's covenant trend, dated CRE estimate and policy threshold
  1. 01

    Review capacity limits coverage

    When manual checks constrain your review scope, test more files through the same guided workflow. Select the full LAR, a sample or a date range to fit your testing plan.

  2. 02

    Findings need context

    A flagged value still needs investigation. Read loan and field-level explanations and suggested correction paths so reviewers can assess the issue before acting.

  3. 03

    Evidence takes time to assemble

    Use the generated Word summary and Excel detail for management, quality assurance and exam preparation. Revisit earlier executions when reviewers need the history behind a test.

FOR THE WHOLE TEAM

Put testing results to work across your organization

HMDA REVIEWERS COMPLIANCE MANAGERS BOARD MEMBERS

HMDA reviewers need to know which fields to investigate. Managers need consistent testing records. Board members need findings their compliance leaders can explain. Ask Kaia organizes the review and produces reports that help each audience understand the work completed.

Focused investigation

Filter to flagged loans and fields so reviewers can spend more time assessing issues.

Consistent testing

Use a guided workflow to reduce variation in how teams run and document reviews.

Broader file coverage

Select full-LAR testing when your plan calls for review beyond a sample.

Clearer handoffs

Share loan-level findings and explanations with the colleagues responsible for corrections.

Less report assembly

Download Word and Excel outputs for management updates, quality assurance and exam preparation.

Review continuity

Revisit previous executions so testing history remains available across the team.

EVALUATION FAQ

Questions about HMDA compliance testing

What HMDA-reporting lenders need to know about inputs, testing scope, findings and access to the agent.

It supports HMDA reviews for banks, credit unions, mortgage companies and other HMDA-reporting lenders. Compliance officers and reviewers can use it to test files and document potential issues. HMDA obligations depend on applicable Regulation C coverage criteria and exemptions. Confirm the testing scope against your institution, charter where applicable, states of operation and reporting year.

HMDA Compliance Testing Agent RESOURCES

CUSTOMER VOICES

What customers say about 360factors

01 / 01

Predict360 is a beneficial GRC software, and it is helpful to mitigate risk and provide on-time regulatory updates. The software runs smoothly, and the customer support is fantastic.

A Predict360 User Head of Risk and Compliance Management

The individuals at Predict360 have been nothing but helpful and always willing to take the time to assist us, even if it takes multiple times to meet. They are very accommodating and patient in configuring and setting up the application. There are several features with the application that have been helpful with our process and creating efficiencies (creating checklists, workpaper workflow, dashboards and reports) etc.

Jennifer G. Director of Compliance Testing

I have loved using Predict360 for the last few years. We implemented the following models: Complaint Management, Compliance monitoring and testing, Issue Management, and RCSA.

Tapan D. GRC Manager
Featured in RIMS, Risk Management magazine, the Risk Management Show, ABA Banking Journal, Austin Fintech, and Scotsman Guide

REVIEWS & RECOGNITION

SourceForge Top Performer, Customers Love Us, Software Reviews, Partner, and Users Love Us award badges