A table shows you originated 500 loans. A map shows they're all clustered in two neighborhoods while competitors serve areas you're missing. Overlay assessment areas, demographics, branches, deposits, and lending activity to spot patterns, service gaps, and CRA opportunities invisible in Excel. Perfect for board presentations and examiner conversations.
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Comply Mapping integrates directly with your HMDA and CRA data—no manual exports or data manipulation. The Mapping Wizard guides you through creating professional assessment area maps, demographic overlays, and lending pattern visualizations in minutes. Select your assessment area, choose which layers to display (income shading, loan originations, branch locations), and generate exam-ready maps examiners expect to see. Advanced users can customize map properties in real-time for board-specific presentations.
Last updated: January 13, 2026
Spot fair lending risks, demonstrate CRA performance, and identify market opportunities with interactive maps that reveal geographic patterns hidden in your data. Create FDIC-compliant CRA assessment area maps, visualize denial rates by neighborhood, and overlay lending activity on demographic data—all in minutes, not hours of manual GIS work.
A table might show you originated 500 loans in low-income tracts. A map shows you they're all clustered in two neighborhoods while competitors serve adjacent areas you're ignoring. That's the power of geographic visualization—spotting patterns, gaps, and opportunities that numbers alone miss.
Create official CRA assessment area maps for examiners, map denial hot spots for fair lending analysis, or overlay branch locations on demographic data for strategic planning. Comply Mapping answers visual questions: Where are we underserving? Where do fair lending risks cluster? Which neighborhoods should we target for growth?
Create official CRA assessment area maps that comply with regulatory requirements. Define assessment areas by census tracts, counties, or MSAs. Shade tracts by income characteristics to show low-, moderate-, middle-, and upper-income areas. Include branch and ATM locations to demonstrate your institution's physical presence in the communities you serve.
Generate maps that match FDIC CRA assessment area specifications, ensuring consistency with regulatory expectations during examinations.
Map your loan originations, purchases, and denials to identify geographic concentrations and gaps. Color-code applications by action taken, loan purpose, or any other LAR characteristic. Size data points based on loan amounts to show where your largest lending activities occur.
Overlay lending data on demographic maps to analyze penetration in different income areas, racial composition characteristics, or other census tract factors. This visual analysis is invaluable for CRA strategic planning and fair lending risk assessment.
Identify potential fair lending risks by mapping denial rates, pricing patterns, or other disparities across geographic areas. Compare approval rates between control and protected class groups visually to spot concentrations of potential issues.
Map regression residuals or other statistical outputs from Comply Fair Lending to see where outlier applications are located geographically. This helps you prioritize file reviews and focus on areas with the highest potential risk.
Map peer institution lending activity to understand competitive dynamics in your markets. Show where competitors are concentrating their lending efforts and identify underserved areas where your institution might expand.
Combine your institution's data with peer and demographic information to create comprehensive market analysis maps that inform strategic planning and business development decisions.
Visualize census tract characteristics including income levels, racial composition, population density, housing values, and age of housing stock. Use these maps to understand the communities you serve and identify opportunities for CRA credit.
Create demographic profile maps that show concentrations of low- and moderate-income populations, minority populations, or other community characteristics relevant to your CRA strategy.
Map branch locations with deposit data from the FDIC Summary of Deposits. Size branch markers by deposit volume to show your institution's retail presence. Analyze whether your branch network aligns with your lending footprint and community needs.
Build maps with multiple data layers that can be toggled on and off. Combine loan data, branch locations, demographic characteristics, and assessment area boundaries in a single map. This layered approach helps you see relationships between different data elements and identify patterns that might be hidden in tabular reports.
Leverage Google Maps integration for familiar, interactive map navigation. Zoom to street-level detail to verify specific addresses or zoom out to see regional patterns. Switch between map, satellite, and hybrid views to provide context for your lending data.
The Map Line Properties allow you to change the line style, width, color of both the inner and outer line components.
The Map Point Properties allow you to change the shape, size and color of data points on the map. You can also customize the data point lables. Data points can represent loan data, deposits, geographies and more.
The Map Polygon Properties allow you to change the line style, width and color of the polygon as well as the fill color and method of the fill of the polygon. Any polygon can be filled using a field from either the LAR or demographic data.
Single Application Map
Official FDIC CRA Assessment Area Map
Integrated Google Map Capability
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.
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.
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.
Yes, mapping is valuable for fair lending analysis. Visualize denial rates, pricing patterns, and approval disparities across geographic areas. Map regression residuals from Comply Fair Lending to see where outlier applications cluster. Geographic visualization helps identify redlining risks and concentrations of potential fair lending issues.
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 |
Trusted by financial institutions nationwide for compliance excellence
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
Judy A. Edwards
Greer State Bank
"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!!!"
June 11, 2014
Leo Batura
Pacific Union Financial LLC
"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."
January 14, 2014
See how Comply Mapping turns complex data into clear geographic visualizations that reveal opportunities and identify risks at a glance.
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