Fair Lending Data
Actionable insights and benchmark data to help support housing regulatory compliance
ICE Fair Lending Data helps lenders gain insights into potential discriminatory lending patterns, enabling them to support and address Fair Housing Act (FHA) and Equal Credit Opportunity Act (ECOA) requirements. Our robust and comprehensive datasets can be used to analyze key loan characteristics that relate to fair lending, benchmark your loans for potential discriminatory practices against the industry, and evaluate pipeline for loans in minority and low-income areas.
Why use ICE Fair Lending Data?
Fair Lending Data provides timely, actionable data for lenders to improve fair lending processes and compliance by leveraging current and trend insight into loan application.
Comply with FHA regulations
Support FHA and ECOA regulatory compliance for loan applicants and closed loans to avoid fines and penalties.
Gain insight into new leads and improve closing
Identify opportunities to attract potential borrowers and improve closing rates that optimize revenue and mitigate risk.
Benchmark your fair lending performance
Improve loan penetration rates by benchmarking versus peer and industry performance.
Granular visibility of relevant loans
Evaluate penetration of minority and low-income loans by property location, down to a ZIP-code level.
Understand essential loan characteristics tied to fair lending
Evaluate key loan characteristics that relate to fair lending, including Home Mortgage Disclosure Act Loan Application Register (HMDA-LAR) and Federal Financial Institutions Examination Council (FFIEC) regulations, over each phase of the lending process.
Fast fixes that lead to better compliance
Quickly address potential gaps in your fair lending processes.
About Fair Lending Data
The FHA and ECOA help protect borrowers’ fair lending rights by guaranteeing the same lending opportunities for everyone – regardless of race, nationality, sex, familial status, religion, marital status, age, disability or receipt of public assistance. Fair Lending Data utilizes loan records sourced from the Encompass® loan origination system (LOS) which collects data from over 50% of the current market. Data is provided weekly and can help lenders quickly determine if there are more appealing loan program enhancements or if there are loan qualification metrics that may be affecting penetration in minority or low-income areas.
CRA Analytics
Insights to help you adhere to Community Reinvestment Act (CRA) requirements, benchmark against industry peers and drive a transparent and measured analytical approach.
ICE Origination Data
Get timely, robust mortgage origination data from application through post-close, with actionable insights to help you make more informed decisions and determine opportunities for business growth.