110+ data points
Every required data field — from loan amount to action taken to census tract — is extracted from the loan file and reconciled against the source document. No field is left to assumption.
The most rigorous HMDA LAR filing a lender can submit.
The HMDA LAR Integrity & Fair-Lending Filing Engine assembles a source-verified, edit-clean, on-time Loan/Application Register — every field reconciled against the underlying loan documents, geocoded, run through every FFIEC edit, and cleared by a compliance reviewer — so the institution files below resubmission tolerance and walks into its exam with a defensible fair-lending pre-read.
Every FFIEC syntax/validity/quality edit110+ fields reconciled per loanDHSMV · USCG · UCC · judgment lien searchesCompliance reviewer release on every filing5-business-day SLA
Why filings fail
A single missing field can trigger a resubmission order.
A mortgage lender's HMDA LAR is only as strong as the data behind it. Miss one of the 110+ fields, skip a required geocode, mis-time the filing deadline, or fail to reconcile a field to the source file — and the institution risks resubmission, an exam finding, and a public fair-lending target on its back.
Most lenders run this by hand, from memory, once a year. The regulation has not been read end-to-end since the last time it mattered. That is exactly where completeness gaps hide.
The HMDA LAR Integrity & Fair-Lending Filing Engine exists to close that gap with a single, exhaustive standard applied identically to every file.
38%
of 2024 Federal Reserve consumer-compliance violations were HMDA-related
The benchmark
Measured against the letter of Regulation C — field by field.
We do not summarize the regulation and hope. Every filing is scored against a versioned rule pack tied to the exact text of Regulation C (12 CFR 1003). These are the provisions each filing is held to.
Geocoding accuracy
Property address is geocoded to census tract using the most current Census Bureau geography, with manual review of borderline or ambiguous tracts.
Syntax, validity, quality edits
Every FFIEC edit (syntax, validity, quality) is run deterministically. Any edit failure blocks release until resolved or exception-coded.
Timely filing
The filing deadline (March 1 for annual, quarterly for large filers) is verified and the submission is scheduled to ensure on-time delivery.
Fair-lending pre-read
A statistical fair-lending analysis (disparate impact, redlining proxies) is run on the LAR data before filing, providing a defensible pre-read for examiners.
Recordkeeping & audit trail
A complete audit trail is maintained: source documents, extraction logs, edit results, geocode evidence, and reviewer sign-offs — all retained per Regulation C requirements.
How a filing is built
Intake to compliance reviewer release, with deterministic gates the AI cannot overrule.
AI extracts and drafts. Deterministic rules — running as code, outside the model — decide what is complete. A human compliance reviewer signs every release. That order is never reversed.
01
Gap Scan
Upload your LOS export and sample loan files. We return a free completeness read: which fields and edits you already have clean, and which are missing or inconsistent.
02
Source document extraction
As your authorized clerical agent, we extract the 110+ HMDA fields from the loan file (URLA/1003, note, closing disclosure, appraisal, LOS export) and reconcile them field-by-field.
03
Geocoding & edit checks
Property addresses are geocoded to census tract. Every FFIEC syntax, validity, and quality edit is run deterministically. Any failure is flagged for resolution.
04
Deterministic completeness gates
All fields reconcile to source; geocodes are verified; edit failures are resolved or exception-coded; fair-lending pre-read is generated. Any failure blocks release.
05
Compliance reviewer release
A compliance reviewer (with HMDA expertise) reviews the exception queue and signs the release. High-value or complex files route to attorney review first.
06
Delivery & filing
You receive the source-verified LAR, edit report, geocode evidence, fair-lending pre-read, and audit trail — ready for your compliance officer to certify and submit via HMDA Platform.
The bar we hold
Rigor you can measure.
100%
Compliance reviewer-released
No filing ships without a human signature.
5 days
Standard SLA
From complete intake to released filing.
<1%
Critical-defect target
Tracked against a gold-standard filing library.
4
Lien-search sources
DHSMV · USCG · UCC · judgment, every applicable file.
Why the HMDA LAR Integrity Engine
Built to be the most thorough option a lender has.
Source-verified, by design
The deliverable is source verification itself — every field reconciled to the underlying loan document or explicitly exception-coded. Nothing is left implicit.
Deterministic, not vibes
The gates that decide completeness are code, not a model's opinion. A drafting error cannot slip past a regulatory requirement.
In its lane, on purpose
We prepare documentation and run searches as your clerical agent. We never provide legal advice, certify the data, or submit the filing on your behalf.
Engagement
Flat fee per record scrubbed and per filing. No contingency, ever.
Simple, predictable, and aligned with a documentation standard — not a cut of any recovery.
- A free Gap Scan before you commit — see exactly what is missing.
- Per-record scrub fee (monthly/quarterly) plus a fixed annual certification-and-filing package.
- Optional fair-lending statistical pre-read at a fixed add-on fee.
- Optional attorney review for complex or high-value files.
FAQ
Questions, answered precisely.
Is the HMDA LAR Integrity Engine a law firm?
No. The HMDA LAR Integrity & Fair-Lending Filing Engine, a service of Your Deputy, Obuke LLC, provides documentation-completeness services. It is not a law firm, does not provide legal advice, and does not represent you in any legal matter. Attorney review is available and recommended for complex or high-value files.
Do you submit the LAR to the CFPB?
No. We prepare the source-verified LAR and audit trail. Your compliance officer certifies and submits the data via the HMDA Platform. We never act as your authorized submitter.
What makes a filing 'complete'?
Completeness is defined by Regulation C: all 110+ fields reconciled to source, geocoded to census tract, passing every FFIEC edit, with a fair-lending pre-read and a complete audit trail. Deterministic gates enforce each one before release.
How fast is it?
The standard SLA is five business days from complete intake to a compliance reviewer-released filing. The free Gap Scan is returned much sooner and tells you exactly what is still needed.
How are you priced?
A flat fee per record scrubbed and per filing, plus disclosed pass-through search costs. No contingency and no percentage of any loan amount or filing fee.
See what's missing before it costs you a filing.
Start with a free Gap Scan. Send your LOS export and sample loan files and we'll return a completeness read against every field of Regulation C.
Documentation-completeness service · not legal advice · your compliance officer certifies and submits.