The ZOOM Geocoder is a web-based tool designed for geocoding hard-to-find addresses and auditing other processes to ensure correct results. ZOOM utilizes the Internet's best and most up-to-date geocoders and mapping programs available. If these automated geocoders can't find an address, no automated tool can. It consolidates results from all geocoders and shows them on a RATA-enhanced Google map. Compare all results on one page and select the correct Census Tract quickly and easily.
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Easily type the address you would like to look up. You may also paste the complete address from another source and ZOOM will parse the fields for you.
The submitted address is then geocoded by several different sources and visually display each one based on the exact coordinates returned.
Click on individiual locations to view advanced Geocode and Demographic information. You may also print the details along with a custom map.
For compliance purposes, geocoding is the process of assigning the correct MSA, State Code, County Code and Census Tract to a physical street address. This type of geocoding is typically used for HMDA, CRA and Fair Lending, but the Latitude and Longitude returned from geocoding can also be beneficial for other business purposes.
With geocoding, there are addresses that are easy to translate and then there are the trouble cases. Some of the factors that make an address hard to geocode include misspellings, wrong information, new areas, or very rural areas just to name a few. These examples could lead to what is known in the industry as "no-hits". Until now, if you had a no-hit you had to fall back to the smallest part of the address that could be found and pick that Census Tract or Lat/Long. Depending on if you fall back to a Zip+2, a ZIP Code, a City or even a County in extreme examples, the odds of the Census Tract being correct go down respectively.
Now with the availability of the ZOOM Geocoder, no-hits and fallback geocoding can be improved in most cases to solid hits on the exact street. Not only can they be done, but they can also be visually verified to be 100% accurate by the person geocoding. The ZOOM Geocoder is the future of geocoding and auditing geocodes!
Access eight different geocode/mapping data sources with the click of a button. Each source has been carefully selected to provide you with the most accurate data available.
Each data source accessed is returned back to you in a visual format letting you see exactly where the address is located based on each geocoder's results.
An overlay of the census tract boundaries may be turned on or off to visually depict where each geocoder's coordinates lie and within which tract.
Click on individual geocoder results to view more advanced details including county, MSA, census tract, median family income, minority population and much more.
Optionally view the map in the standard, graphical format or see the actual properties via the satellite mode. If you need more detail, you can even get down to a street level view in some areas.
The complete geocode and demographic information may be printed along with a customizable and interactive map of the address location and census tract boundaries.
Quickly and easily look up the submitted address against multiple 3rd party online sources and search engines. This is useful when trying to find out additional information about the property.
See how ZOOM simplifies geocode verification for compliance
| Verification Task | With ZOOM Geocoder | Manual Verification |
|---|---|---|
| Data Source Comparison | View 8 geocoding sources simultaneously on one interactive map. Instantly see where each geocoder places the address. | Manually query multiple geocoding services separately. Compare results in different tabs or spreadsheets. |
| Census Tract Verification | Toggle census tract boundaries on/off. Visually confirm which tract contains each geocoder's coordinates. See tract income levels instantly. | Look up census tract boundaries on separate Census Bureau maps. Cross-reference coordinates manually. |
| Boundary Line Addresses | Immediately identify when an address falls near a census tract boundary. Visual markers show exact positions relative to tract lines. | No visual context for borderline cases. Difficult to determine if small coordinate differences matter for tract assignment. |
| Rural Address Handling | Satellite view reveals actual property locations in rural areas. Verify coordinates against visible structures and roads. | Rural addresses often geocode poorly. No way to visually confirm if coordinates are accurate without visiting the property. |
| Documentation | Print map and demographic data together. Create audit-ready documentation showing geocode decision basis. | Manual screenshot capture and documentation. Time-consuming to create records for auditors. |
| Demographic Data Access | Click any marker to view census tract demographics: median family income, minority population, tract income level for CRA. | Separately look up demographic data in FFIEC Census database. Manual cross-referencing of tract characteristics. |
| Property Research | Built-in links to online property databases and search engines for instant address verification and research. | Manually search multiple websites to verify property existence and address accuracy. |
| Time to Resolve Problem Address | Minutes to visually verify and document geocode decision | 30+ minutes per address for manual verification and documentation |
Trusted by financial institutions nationwide for compliance excellence
Scott Shie
River Funding Corporation
"The folks at RATA were outstanding. Every time I had a question, I would speak to someone who either knew the answer immediately or could provide the answer within a very short period of time. Everyone I spoke with knew their product, industry and was willing to do whatever it took to help us solve our problem. I would highly recommend RATA and COMPLY to anyone who is considering this company and product."
December 10, 2016
Mark Mitchell
Panhandle State Bank
"The support has been exceptional. The program is very easy to use. RATA has been one of the best companies I have dealt with in my 25 years of banking. Their service has exceeded my expectations."
August 23, 2016
Paul D'Agostino
TruHome Solutions
"I wanted to let you know that RATA and Comply is the absolute best!!! My submission is complete and was accomplished in record time. I more than doubled the amount of activity I reported last year and it took me less than half the time. Thank you for being there for us and the industry! You are and always will be number one to me!!!"
May 20, 2015
Sign up for ZOOM Geocoder and start verifying Census Tracts visually—compare multiple geocoding sources on one interactive map.
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