2025 HMDA Data on Mortgage Lending Now Available
· lending
The 2025 HMDA Loan Application Register data can be found on the FFIEC's HMDA Platform.
Product Blueprint
HMDALens is a SaaS tool that ingests 2025 HMDA LAR data and surfaces peer benchmarking, denial pattern analysis, and fair lending risk flags for community banks and credit unions — delivered as a compliance dashboard with plain-language AI narratives explaining where the institution is exposed.
Why it matters
The 2025 LAR data just dropped, which means every HMDA-filer now has a 90-day window before examiners start referencing it — this is the annual forcing function when compliance teams scramble. There are 4,500+ HMDA filers under $10B in assets with no automated benchmarking tooling they can afford.
Target user
Compliance officers and CRA managers at community banks and credit unions with $500M–$5B in assets who currently pay consultants $15K–$40K per year to manually interpret HMDA data and prepare board-ready fair lending summaries.
Go-to-market
MVP is a self-serve upload portal where a compliance officer drops their 2025 LAR file and gets a 5-page AI-generated fair lending risk summary with peer comparisons in under 10 minutes; first 10 customers come from cold outreach to compliance leads at community banks in 2–3 metro markets using LinkedIn, targeting institutions that publicly disclosed HMDA data showing elevated denial rate disparities.
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