Guided file intake
Upload your LAR and supporting documents together so reviewers can start from the same evidence.
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.
FINANCIAL INSTITUTIONS USING 360FACTORS SOLUTIONS
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.
Flexible testing scope
Review all files, a sample or a date range to match the scope of your testing plan.
Field-level findings
See which loan fields need attention and why, so reviewers can focus their investigation.
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.
- 01
Upload your LAR in Excel or CSV format to begin a review.
- 02
Add supporting PDFs, Word documents and images in a ZIP file for document comparison.
- 03
Select all files, a sample or a date range to match your testing scope.
- 04
Check your selections before launching the review to reduce setup mistakes.
- 05
Compare LAR data with supporting documents to flag potential discrepancies.
- 06
Filter to loans with findings so reviewers can focus their investigation.
- 07
Display only flagged fields to see the specific data that needs attention.
- 08
Read explanations and suggested correction paths before deciding how to resolve a finding.
- 09
Revisit previous executions to maintain continuity across team reviews.
- 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 demoLoan-levelFindings for targeted review
Field-levelExplanations for flagged data
Word + ExcelReports for QA and exam preparation
CHIEF RISK OFFICER
You need to see where HMDA data needs attention.
Review the findings behind the summary. Loan and field-level detail helps your team investigate potential reporting errors, while prior executions preserve visibility into the testing work completed across the team.
Request a demoFull LARTesting beyond selected samples
Loan-levelVisibility into potential errors
HistoryPrevious testing executions
CHIEF EXECUTIVE OFFICER
You need broader testing coverage without more manual review.
Automate file checks and report preparation so experienced staff can focus on judgment and remediation. Review the full LAR or a selected scope, and use the reports to discuss findings and testing needs with your compliance leaders.
Request a demo3 optionsAll files, a sample or a date range
2 formatsSummary and detailed reports
In-houseYour team makes correction decisions
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
- 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.
- 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.
- 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.
Upload your Loan Application Register (LAR) in Excel or CSV format, together with a ZIP file of supporting documents. Supported documents include PDFs, Word documents and images. The agent compares the supplied records and documents, so complete inputs matter. Confirm the required file preparation and any upload limits with your 360factors representative before the first run.
Yes. You can select all files, a sample or a date range when setting up a test. That gives your team a choice of review scope within the same guided workflow. Full-LAR selection does not by itself establish complete regulatory coverage. Your team must confirm applicable requirements, supplied documentation and the reporting year before relying on the results.
Reviewers can filter to loans with findings and then display only flagged fields. Explanations and suggested correction paths help them assess each potential issue. Corrections are made in your loan origination system, rather than within Ask Kaia. Your team remains responsible for validating findings, deciding what to change and maintaining accurate source records.
The agent produces a Word summary and an Excel file with detailed loan-level results and reasoning. These outputs support management reporting, quality assurance and examination preparation. The Analyze Output view provides additional detail for investigation. Reports document the selected review scope and do not guarantee compliance or an examination outcome; requirements depend on the institution and reporting year.
The HMDA Compliance Testing Agent is a paid agent available to Ask Kaia Enterprise customers through sales. Request a demo to review the workflow, discuss your files and testing needs, and obtain a quote for your organization. Your 360factors representative can confirm the scope and commercial terms before you begin.
HMDA Compliance Testing Agent RESOURCES
CUSTOMER VOICES
What customers say about 360factors
REVIEWS & RECOGNITION
