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- Trusted since 1987
- 39+ years
- FFIEC compliant
Submit Error-Free HMDA/CRA Reports Every Time
RATA Associates has been in the HMDA/CRA/SBL arena for over 39 years. During that time we have helped hundreds of institutions successfully submit millions of applications for Regulation C (HMDA), Regulation BB (CRA) and Small Business Lending (SBL 1071).
What CRA Software Actually Needs to Do
Regulation BB (CRA) reporting is not just HMDA data with a different name on it. Examiners test whether your institution is meeting the credit needs of its assessment areas, and CRA software has to produce three things HMDA software alone does not:
- Assessment area validation: Comply delineates your Assessment Areas against official FDIC CRA assessment area data and current Census Bureau TIGER boundaries, then shades tracts by demographic characteristics so gaps in coverage show up before an examiner finds them.
- Peer comparison: examiners evaluate your CRA performance against similar institutions in the same market, not in isolation. Comply Peer-2-Peer runs that same comparison — market share, lending volume and demographic reach against peer institutions you select — before the exam does.
- Exam-ready output: Disclosure Tables, Performance reports and Assessment Areas Reports, generated from the same data you already collect for HMDA rather than a second data entry pass.
The Comply HMDA/CRA/SBL software is robust and full-featured, yet it is extremely user-friendly and easy to use. Comply was designed to utilize all standard Windows practices. The Comply Suite has been modeled after Microsoft Office so if you can use Microsoft Word, Excel and/or Explorer, you will be able to use RATA Comply with little to no training. In addition to standard menus, icons and right-click functionality, helpful Wizards walk you through each process to ensure the proper result!
- Easily import your HMDA, CRA or SBL data from your organization's origination system
- Clean up and verify your data against FFIEC's Edit Checks to produce an 100% edit-free submission to the government
- Weekly FFIEC-updated Rate Spread calculations
- Instant geocodes on application addresses utilizing RATA's Compliance-grade Geocoding services
- and many more Advanced Features!
Ready to see RATA Comply HMDA/CRA/SBL?
Tell us about your institution and we will send the detail that applies to it, rather than a brochure.
Schedule Demo or call (407) 831-7282
What our clients say
RATA provides the tools and resources to assist with lending pattern analysis for fair lending and CRA to maintain appropriate monitoring and reporting. The staff at RATA are helpful and will provide assistance quickly when needed.
Margaret Dolinger
TCA
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.
Leo Batura
Pacific Union Financial LLC
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.
Mark Mitchell
Panhandle State Bank
