Run HMDA LAR Pre-Submission Audit — Free

Audit Scope and Sample Selection

Audit period and submission year confirmed critical (required)

Sample size documented and representative of the LAR population critical (required)

Note (optional)

Sample selection method recorded critical (required)

Note (optional)

Loan files and LAR records available for each sampled application critical (required)

Yes No N/A

Audit checklist version and reviewer identified

Application and Action Data Reconciliation

Application date matches source loan file critical (required)

Yes No N/A

Action taken / loan purpose / occupancy fields match source documentation critical (required)

Loan amount and property value are supported by the file critical (required)

Yes No N/A

Loan type, lien status, and rate spread fields are accurate

Note (optional)

Application channel and preapproval status match the file

Yes No N/A

Applicant, Property, and Demographic Data Validation

Applicant ethnicity, race, and sex fields are supported by the application record critical (required)

Yes No N/A

Applicant age and credit score fields, if reported, are accurate and complete

Yes No N/A

Property address and census tract information are complete and consistent critical (required)

Yes No N/A

Property type and construction method are supported by the file

Yes No N/A

Manufactured housing / multifamily indicators, if applicable, are correctly reported

Yes No N/A

Pricing, Underwriting, and Outcome Fields

Interest rate, APR, and rate spread fields reconcile to the final terms critical (required)

Yes No N/A

Debt-to-income ratio and combined loan-to-value ratio are supported by underwriting records

Yes No N/A

Action taken and denial reason fields are complete and accurate critical (required)

Yes No N/A

Pricing data, if applicable, is consistent with the rate sheet and closing package

Yes No N/A

Any exceptions or overrides are documented in the file

Yes No N/A

Submission Readiness and Corrective Actions

All identified discrepancies have been logged with owner and due date critical (required)

Yes No N/A

Reconciled records have been rechecked after correction critical (required)

Yes No N/A

Submission file is ready for CFPB filing critical (required)

Yes No N/A

Reviewer notes any unresolved items requiring escalation before deadline

Inspector sign-off completed critical (required)

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Run: HMDA LAR Pre-Submission Audit

Audit Scope and Sample Selection

Application and Action Data Reconciliation

Applicant, Property, and Demographic Data Validation

Pricing, Underwriting, and Outcome Fields

Submission Readiness and Corrective Actions

Get your results