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AI & Technology Why Commonwealth Cost Calculator InsightsFind the errors in your LAR before a regulator does.
Data integrity review, geocoding validation and filing support- run before submission, when a correction still costs you an afternoon instead of a refiling and a penalty.
Pre-submission audit · Geocoding validation · Filing support
Your LAR is a fair lending exhibit.
HMDA data is not a clerical filing. It is the dataset regulators use to decide whether to look harder at your lending, and the one plaintiffs read first.
LAR accuracy audit
A full data integrity scrub against your loan files before submission. How accurate is your LAR really? Most lenders find out when a correction notice arrives, which is the most expensive moment to learn it.
Geocoding validation
Census tract and geography errors distort exactly the analysis regulators run on your data. A misgeocoded file does not just fail a data check: it can manufacture a lending pattern you do not actually have.
Filing support
Quarterly and annual submission handled alongside the review, so the data that was checked is the data that gets filed. Corrections and resubmissions managed where they are needed.
Fair lending context
Because we run matched pair and pricing regression analysis, we read your LAR the way an examiner will: not just whether fields are valid, but what the data says about your lending once it is aggregated.
Data quality has become an enforcement category.
Recent actions have turned on the integrity of HMDA submissions themselves: repeated reporting errors in one case, falsified data in another. The filing is now a compliance exposure in its own right.
Errors are systematic, not random
A field mapped wrong in your LOS is wrong on every file it touches. Spot-checking a sample tends to find one instance and miss the pattern underneath it.
The cost lands later
Refiling past HMDA data is expensive, and in certain cases carries civil money penalties. The gap between catching it before and after submission is measured in orders of magnitude.
Bad data invents bad patterns
Incorrect geography, action taken or rate spread values can produce an apparent disparity that does not exist in your actual lending, and you then have to disprove it.
Reviewed, then filed
We audit the LAR, work the findings back through your data, and support the submission. One team, one dataset, no handoff between the people who checked it and the people who filed it.
The same lending, described twice.
Your HMDA LAR and your Mortgage Call Report describe the same originations from different angles, and they can be compared. Where both are prepared by one team, the inconsistencies surface in your office rather than in a finding.
Have the LAR looked at before you file.
One review, ahead of your next submission. If the data is clean you will know; if it is not, you will know while it is still cheap.