Banking, Payments & Capital Markets · Audits cleared · Hours back · sample run · 84 ms

FairLending HMDA Matrix

17 edit exceptions on 15 of 40 LAR records (16 errors to fix before filing); 3 disparity screening signals: Black or African American denial rate 62.5% vs 12.5%; Hispanic or Latino rate spread +0.39 after controls; Hispanic or Latino interest rate +0.36 after controls.

Evidence · HMDA LAR extract

LKSP-2026-000312,1,1,31,405000,6.250,0.050,2,2,5,1,52,164,08059011203,CO,08059,801,28,70,10

Working

'LKSP-2026-000312' is 16 characters including symbols; Regulation C Appendix C requires 23 to 45 letters and digits that start with the 20-character LEI (a NULI of up to 22 is allowed only with the partial exemption option on).

Method

1ULI: 23 to 45 letters and digits starting with the 20-character LEI, with check digits under ISO/IEC 7064 MOD 97-10 as set out in Regulation C, 12 CFR part 1003, Appendix C; duplicate identifiers are errors.

2Code values are checked against the FFIEC Filing Instructions Guide lists for action taken (1 to 8), loan type, loan purpose (1, 2, 31, 32, 4, 5), HOEPA status, ethnicity, race, sex and reason for denial.

Photo: Tierra Mallorca, Unsplash

Edit errors · on 15 record(s); fix before filing

Row	ULI	Edit
4	LKSP-2026-000312	ULI format
9	549300LKSPRDG7B2QX762026HM00000892	ULI check digit
10	549300LKSPRDG7B2QX762026HM00000978	Invalid code value

Reads

HMDA LAR extract (CSV)

Produces

Edit check exceptions and a disparity analysis (Edit exceptions (CSV), Disparity analysis (CSV), Fair lending screening memo)

Price

$3,000 / month, 30% to the referring partner

Your files

Read in memory for the session, never stored, never used to train a model.

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Not financial, investment, banking or securities advice. Filings and screening results must be reviewed by a qualified compliance professional. Letters, notices and legal analysis are drafts, not legal advice. Have a qualified lawyer review them before they are sent or relied on.