One Address, One Application, One Assessment Area
The same data at three scales. Pick the one the question is being asked at.
The tract number is the answer, and you can see which side of the line you are on
When a geocode is disputed, the question is never “where is this building” — it is “which tract is it in”. Drawing the tract boundaries over a familiar street and satellite base makes that a thing you look at rather than a number you take on trust.
- Census tract boundaries and numbers as a toggleable layer over map or satellite view.
- Address and coordinate markers so you can check a street address or a raw lat/long.
- Street-level zoom for verifying one address, regional zoom for the pattern.
The fastest way to sanity-check one record
Batch geocoding is right the overwhelming majority of the time, which is exactly why the exceptions are hard to notice. Plotting a single application from its record — one click, no export — turns “this address looks odd” into a yes or a no.
- Straight from the record in Data Manager, not from a file you produced for the purpose.
- Boundaries drawn around it so a placement a block outside the expected tract is obvious.
- Same engine as the batch pass — what you see is what was assigned.
This is the map that goes in the file
Every CRA exam wants the assessment area drawn and its tracts shaded by income. Institutions without mapping build it by hand, from a county outline and a spreadsheet, every cycle. Here it is a generated output of data you already hold, so it is reproducible next year and the year after.
- FDIC specification income shading, so it does not need explaining to an examiner.
- Nineteen layers available tracts, MSA/MDs, counties, districts, ZIPs, roads, water and more.
- Regenerated, not redrawn when a boundary or an income band changes.
- 39years, since 1987
- 19map layers
- 95%+geocoding accuracy
- Hundredsof institutions filing
Mapping Features
Style every line, point and polygon
Line style, width and colour for boundaries; shape, size, colour and label for data points representing loans, deposits or geographies; and polygon fill by any LAR or demographic field. Line, point and polygon property screenshots.
Single application view
Plot one HMDA application's exact location against the boundaries around it, the fastest way to sanity-check a single geocode.
Official FDIC CRA assessment area maps
Income-shaded census tracts meeting FDIC specification, generated exam-ready rather than assembled by hand.
Integrated Google Maps
Zoom to street level to verify an address, or out for the regional pattern, in map, satellite or hybrid view — familiar controls with compliance data layered on top.
Lending activity, colour-coded
Map originations, purchases and denials by action taken, loan purpose or any LAR field, sized by loan amount, and overlay against demographic characteristics to see where penetration is thin.
Fair Lending risk, mapped
Plot denial rates, pricing patterns and Comply Fair Lending's own regression residuals geographically, so outlier applications cluster visibly rather than sitting in a spreadsheet row.
Peer and market analysis
Overlay peer institution lending activity against your own to see where competitors concentrate and where your institution might expand.
Demographic and branch overlays
Income, racial composition, population density and housing age by tract, or branch locations sized by FDIC deposit volume — layered against your lending data, not viewed separately from it.
Custom layers, toggled on and off
Combine loan data, branch locations, demographics and assessment area boundaries in one map, and switch layers on or off to see the relationship a table alone would hide.
Frequently Asked Questions
The four we are asked most often about Mapping, answered properly rather than in a sentence. If yours is not here, it is a better use of your time to ask a person.
Ask us directlyWhat can I map with Comply Mapping software?
Comply Mapping visualizes loan applications, originations, denials, CRA assessment areas, branch and ATM locations, census tract demographics, peer institution lending activity, and fair lending analysis results. Map any combination of LAR data, geographic boundaries, and demographic characteristics to identify patterns and assess performance.
Can Comply Mapping create official CRA assessment area maps?
Yes, Comply Mapping generates official CRA assessment area maps that meet FDIC specifications. Define assessment areas by census tracts, counties, or MSAs. Shade tracts by income characteristics, include branch locations, and produce examination-ready maps that demonstrate your institution's community presence.
Does mapping software integrate with Google Maps?
Yes, Comply Mapping includes Google Maps integration for interactive navigation. Zoom to street-level detail to verify addresses or zoom out for regional patterns. Switch between map, satellite, and hybrid views. The integration provides familiar controls while adding compliance-specific data layers.
Can I use mapping for fair lending and redlining analysis?
Yes, and mapping is where a redlining pattern is actually seen rather than inferred from a table. Visualize denial rates, pricing patterns and approval disparities across geographic areas, shade majority-minority census tracts, and compare lending inside and outside the assessment area. Map regression residuals from Comply Fair Lending to see where outlier applications cluster.
Comply Mapping vs Manual Mapping Methods
See how Comply Mapping simplifies geographic analysis
| Task | With Comply Mapping | Manual Mapping |
|---|---|---|
| CRA Assessment Area Maps | Automatic generation of official FDIC-compliant CRA maps. Define areas, shade by income, add branches - done in minutes. | Use GIS software like ArcGIS or QGIS. Requires specialized training, manual tract selection, manual shading, hours of work. |
| Lending Activity Visualization | One-click mapping of loan originations, denials, or any LAR data. Color-code and size data points by any field. | Export data to Excel, manually geocode addresses, import to mapping tool, configure layers. Complex multi-step process. |
| Census Tract Boundaries | All US census tracts built-in and automatically updated with each census. Instant access to current and historical boundaries. | Download TIGER shapefiles from Census Bureau, convert formats, load into GIS software, manage multiple file versions. |
| Demographic Overlays | Integrated demographic data for all census tracts. Shade by income, race, population, or any demographic characteristic instantly. | Download separate demographic files, join to geographic boundaries, calculate percentages, create manual legends and color scales. |
| Fair Lending Heat Maps | Map denial rates, pricing disparities, or regression residuals directly from Comply Fair Lending with visual risk indicators. | Export statistical results, manually calculate rates by geography, import to mapping tool, manually configure color gradients. |
| Interactive Navigation | Google Maps integration with familiar zoom, pan, street view. Switch between map and satellite views instantly. | Static maps only, or pay for expensive enterprise GIS software. Limited interactivity, steep learning curve. |
| Export & Presentation | Export to high-resolution images, PDFs, or print-ready formats. Perfect for board presentations and examiner reviews. | Export from GIS software, adjust in image editor, format for presentation. Multiple steps, inconsistent quality. |
| Time to Create Maps | Minutes for professional exam-ready maps | Hours to days with specialized GIS tools |
What Our Customers Say
Trusted by financial institutions nationwide for compliance excellence
“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!!!”
“Would highly recommend both the product and the personnel!! Being able to accomplish what I did in such a short period of time is a testimonial to the product's user friendliness as well as the support I received from the great folks at RATA. Could not have done it without them!!!”
“RATA Associates is one of the greatest companies I've known. It's been a pleasure adding my 2 cents to RATA Comply improvements (Fair Lending with Advanced Analysis/Regression option) that benefit everyone and help many companies in the mortgage industry to stay compliant.”
… and hundreds of others since 1987
