Mapping of Loan Activity

Bringing you a visual representation of your lending activity to help you uncover potentially discriminatory lending patterns.

We help you manage your CRA and Fair Lending risk by mapping your loan activity, identifying areas of gaps and related risk, and determining your loan penetration within underserved and minority communities in your market area.

Subtle changes in demographics and minority populations within your market area may go unnoticed, especially if your bank has expanded into new regions.

Failing to analyze and understand such changes, not understanding residents’ credit needs, and offering loan products unsuitable for the population can open you to risks.

You don’t want to be that bank and suffer reputational and financial harm because of a knowledge gap. Not understanding your banks’ lending patterns within your market area and inadequate marketing and outreach efforts could inadvertently lead to discriminatory lending practices.

We bring you the tools and talent to allow you to visualize your loan activity and show how you can adjust it accordingly.

Using mapping software, we provide a visual picture of your lending patterns and demonstrate neighborhoods or communities that may have been excluded or have limited lending activity.

By incorporating your lending data — loan applications, originations, and denials — we uncover your bank’s lending trends and gaps and pinpoint unseen biases.

After our analysis, you have a complete picture of your lending area and patterns, insight into whether your lending practices are sufficient, and strategies to improve credit access.

TCA gives you A Better Way to map your loan activity and accurately plan how to address your community’s credit needs.