Founder & Mission

John WoloshenWelcome to RATA Associates, LLC, and thank you for visiting our website. I hope you have found the information for which you are looking. Although we have designed our website to tell the whole RATA story, we believe there is no substitute for more personal interactions on some occasions. Accordingly, I encourage you to contact us directly with any questions or comments.

Although I started this business with a software application, my vision of a successful business was much broader than the technical solution that launched RATA Associates, LLC. Prior business experience had taught me that the foundation of any successful business comprises three pillars: (1) a superior product, (2) superior customer service, and (3) superior people. Built on these foundational elements, and with the help of a strong set of business values and ethics, RATA Associates, LLC has become the name to trust when it comes to HMDA and CRA products and services.

As I look back on RATA's history, I am very proud of the organization that has evolved, the quality of the products and services we have delivered, and the countless personal and business relationships that we have established. While prudent management practices dictate that successful businesses learn from the past, they also require organizations to focus on the future. We have invested heavily in our people, our systems and our software development efforts, and are fully confident in our ability to apply our skills, experience and technology.

If your institution is subject to HMDA and/or CRA requirements, why not witness the RATA experience yourself? When you COMPLY, you succeed.

Very truly yours,

John R. Woloshen


Company Mission

RATA's mission is to be recognized as the leading provider of compliance software and Compliance-gradeā„¢ geocoding for the financial industry. RATA will achieve this mission by consistently delivering business solutions and service experiences that provide superior value and that exceed our customers' expectations in every way.

Our Values


  • We follow through on our commitments and are honest about what we will or will not do.
  • We are consistently forthright and ethical in all our business dealings, decisions and relationships.

Customer Focus

  • We partner with our customers to implement the most effective, proactive solutions to solve their business needs.
  • We are consistently and aggressively responsive to the changing needs of our customers.
  • We constantly strive to deliver all services as promised and exceed customer expectations.


  • We fully accept personal and professional responsibility for our actions, outcomes and results.
  • We actively recognize achievement and constantly work to improve marginal performance.
  • We display a sense of urgency for results and outcomes and continually strive to eliminate obstructive, non-productive processes.


  • We collaborate and cooperate within and across our own departments.
  • We support and nurture the ideas and views of all employees and share equally in the challenges we face and the accomplishments we achieve.
  • We value creativity and diversity and reward them whenever possible.

Continuous Improvement

  • We strive to find better, more cost-effective ways to fulfill our vision.
  • We continually question the status quo and embrace changes that improve results and help us grow as individuals and as an organization.
  • We set high performance standards and meet or exceed them.


  • We encourage all employees to solve problems and make decisions proactively.
  • We delegate authority with the expectation that appropriate decisions will be made at all levels of the organization.
  • We cultivate an environment where everyone contributes, shares ownership of results, and grows in the process.