Utilizing the Home Mortgage and Disclosure Act (HMDA) data, IFE Group carried out a multi-year investigation of potential disparate impacts on lending activities by individual lenders. The model leveraged pattern recognition, factor analyses, matched pair, and other statistical methods. Separate macroeconomic, locational, and borrower-specific data sources were identified to supplement the HMDA data to enhance accuracy. Additional studies include analyses of fair lending implications of the Treasury HAMP compliance and re-default rates and FHA loss mitigation program implementation.
