HMDA/CRA Geocoding Services

HMDA/CRA Geocoding Services: Compliance-Grade Accuracy for Regulatory Filing

Last updated: January 14, 2026

Stop worrying about geocoding errors delaying your HMDA or CRA submission. The Home Mortgage Disclosure Act (HMDA) and Community Reinvestment Act (CRA) require precise geographic coding for every loan application—and regulators reject files with inaccurate census tract, county, or MSA codes. RATA's Compliance-grade geocoding delivers 95%+ accuracy so your data passes FFIEC validation the first time.

What Is Geocoding and Why Does It Matter?

Geocoding converts property addresses into the geographic codes required for regulatory submission: MSA (Metropolitan Statistical Area), state and county FIPS codes, and census tract codes. For example, RATA's address at 1916 Boothe Circle, Longwood, FL 32750 geocodes to:

36740 12 117 0215.04

This represents the Orlando MSA (36740), Florida (12), Seminole County (117), and our specific census tract (0215.04). Every address in your LAR needs accurate codes—errors trigger edit failures and submission delays.

What Is Compliance-Grade Geocoding?

Federal regulators demand high accuracy for HMDA and CRA data. Over 39 years of working with regulators, RATA developed the Compliance-grade™ standard that meets or exceeds their requirements:

• 95%+ accuracy for census tract assignment
• 100% completion—every address receives a geocode result
• Current-year data definitions reflecting the latest Census boundaries
• Full traceability showing which reference data produced each result
• No detectable errors that would trigger FFIEC edit failures

Choose Your Geocoding Solution

RATA offers flexible options to match your institution's needs and resources:

• GeoPlus: Outsource geocoding completely—send addresses to RATA, receive 100% geocoded results in minutes
• Residual Address Matching (RAM): Handle most geocoding internally, send only unmatched addresses to RATA for resolution
• Comply Software: Geocode in-house with our desktop solution and single-address geocoder

Get a Free Geocoding Quote

GeoPlus: Outsource Geocoding, Keep Control of Your Data

Get 100% geocoded results without hiring geocoding staff or maintaining reference data. GeoPlus handles the complex, time-consuming work of address matching while you maintain full control over your loan data in Comply software.

How GeoPlus Works

1. Export addresses from your Comply loan file(s)
2. Email to RATA for processing
3. Receive results in minutes—100% geocoded, Compliance-grade accuracy
4. Import back to Comply and you're done

Why Institutions Choose GeoPlus

• No software to maintain—RATA handles reference data updates
• No staff training required—our geocoding experts do the work
• Flexible scheduling—submit daily, weekly, monthly, or at year-end
• Instant single-address geocoding built into Comply for immediate needs
• Volume discounts—graduated pricing for larger institutions

Get GeoPlus Pricing

Full-Service Processing: Hands-Off HMDA/CRA Compliance

Send us your lending data. We handle everything else. Full-Service Processing is for institutions that want to completely outsource HMDA and CRA reporting—from data conversion through final submission to your supervisory agency.

What RATA Does for You

1. Convert your data to required FFIEC submission formats
2. Run all edit checks—Validity, Quality, and Syntactical edits for HMDA; Edit Validations for CRA
3. Send you error reports identifying issues that need research
4. Geocode all addresses to Compliance-grade standards
5. Calculate rate spreads using current Treasury Tables
6. Perform proprietary validations to catch issues before submission
7. Prepare transmittal documents and submission files
8. Submit 100% error-free to your supervisory agency

Your Role

You only need to:

• Send loan data monthly or quarterly
• Research and correct errors RATA identifies
• Approve final submission

RATA has provided Full-Service Processing continuously since 1987—39 years of staying current with every regulatory change.

Learn About Full-Service Processing

HMDA/CRA Software

Prefer to handle compliance in-house? Comply HMDA/CRA/SBL software gives you full control with integrated geocoding, edit checking, rate spread calculation, and direct FFIEC submission.