ComplianceAnalyzer

The most widely used and trusted automated mortgage compliance solution 

Quickly identify areas of risk with our RiskIndicator™

ComplianceAnalyzer® runs comprehensive loan audits and generates an interactive report that includes our proprietary RiskIndicator™ dashboard - a high-level overview of audit results in key risk areas with five different severity levels.

ACTIONABLE INSIGHTS

Our RiskIndicator along with a thorough analysis offers fundamental guidance on how to correct violations and mitigate regulatory risk associated with state and federal laws and regulations.

Configurable Lender Policies

Our compliance tool can be customized for your specific institution based upon your license/charter (either federal or state), exemption status and preemption selection. And, you can run automatic validations for some loans or “lights-out” tests based on your unique configuration. You can even set it to check for select regulations.

dedicated legal team

It's been nearly 20 years that our team of attorneys and outside legal advisors have been working with state and federal agencies.  They know us and trust our products as evidenced by their use of the ComplianceAnalyzer platform during regulatory reviews.

Breeze Through Examinations

Our solutions help you perform comprehensive loan-level analyses from pre-close through post-close and was specifically developed with e-Exam requirements in mind. In fact, our compliance experts helped create the Lending Examination Format™ (LEF) data standard for e-Exams used today by state and federal regulators.

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Features

  • Individual, batch or API processing

  • Comprehensive loan level reporting

  • Detailed regulatory and cure analysis

  • Exception tracking and reporting

  • One-click data delivery to investors and regulators

  • Audit delivery in multiple formats

  • Lights out system-to-system integration available

  • Expedited implementation available

Benefits

  • Reduced errors

  • Increased loan quality

  • Eliminate repurchase risk

  • Obtain reports quickly

  • Lower audit costs

  • Reduced time to close

  • Improved efficiency

  • Unbiased results

ComplianceAnalyzer…the choice of regulators for over 10 years

Our deep experience with regulatory examinations gave us unique insight into the kind of compliance reviews lenders might expect and the ability to develop an effective and complete Compliance Management System (CMS) with an advance solution that can audit and monitor the compliance health throughout the loan manufacturing cycle.

Comply with these State and Federal Regulations

Truth-in-Lending Act (TILA)

Real Estate Settlement Procedures Act (RESPA)

TILA-RESPA Integrated Disclosure rule (TRID)

Secure and Fair Enforcement for Mortgage Licensing Act (SAFE)

Home Ownership and Equity Protection Act (HOEPA Sec 32, 35)

Higher-Priced Mortgage Loan Limitations (HPML)

Qualified Mortgage rule (QM)

Loan originator compensation restrictions

State license-based consumer lending laws and regulations

FHA/VA compliance guidelines

State and municipal high-cost / anti-predatory laws and regulations

Secondary market investors' and GSEs' compliance guidelines

Seasoned Portfolios

Need pre-TRID/loans audited or have a seasoned loan pool to audit? No problem! Our comprehensive tool can perform compliance checks on those loan files too. Our database can test loans originated as far back as 1995. Simply contact our Sales team to learn more.