Continuous Portfolio Compliance Monitoring

Your examiners find problems.
Before you do.

Continuous fair lending analysis, TILA/RESPA tolerance tracking, and climate risk scoring — across your entire portfolio. One dashboard. Always audit-ready.

Schedule a demo See how it works
$0M+
DOJ fair lending settlements since 2021
0%
Of closed loans require fee cures
0hrs
Average exam prep per audit cycle
🔒 app.fundableai.com/compliance/fair-lending
Fair Lending Analysis
Passing
Denial Rate by Demographic
White12.4%
Hispanic14.1%
Black15.8%
Pricing Disparity Within 0.12% tolerance
HMDA Filing 2025 LAR — 1,247 records ready
TILA/RESPA Monitoring
2 Alerts
Active Disclosures
Loan #4521 — LE sent, CD pending
3d 14h
Loan #4498 — CD delivery in 24hrs
23h 41m
Loan #4477 — All disclosures complete
Done
Zero-tolerance violations 0
10% cumulative tolerance 2 within 8.4%
Cure cost this quarter $0
Climate & Physical Risk
Monitored
Portfolio Risk Breakdown
Flood12%
Wildfire8%
Hurricane4%
Insurance gap alert 2 SFHA missing flood ins.
Concentration
34%
Florida
22%
California
18%
Texas
Export Investor Package
The Problem

The compliance stack is broken.

3-5 vendors, annual audits, and a prayer that nothing surfaces at exam time.

Annual audits catch yesterday's problems.

Fair lending violations hide in patterns only continuous monitoring reveals. By the time an examiner finds disparate impact, it's a 7-figure settlement.

$22.4M
Largest single fair lending settlement (2022)

Fee cures eat your margin.

35% of loans need tolerance fixes at $1,225 each. Your team catches them post-close — if they catch them at all. That's $2.6M/year for a 500-loan/month shop.

$1,225
Average cure cost per loan

Climate risk is unpriced.

Freddie Mac now requires full flood premiums in DTI. Insurance markets are retreating from CA and FL. Your collateral risk is invisible until it becomes a write-down.

Zero
Compliance vendors offer climate risk scoring
The Solution

Three engines. Continuous monitoring.

Fair lending, TILA/RESPA, and climate risk — running across your entire portfolio, not just at origination.

Fair Lending Analysis

  • Disparate impact testing across protected classes
  • HMDA data management & LAR generation
  • Peer comparison against MSA-level HMDA data
  • Exam-ready report packages
Zero material findings
Target at next exam

TILA/RESPA Monitoring

  • Disclosure timing tracker (LE & CD deadlines)
  • Fee tolerance engine (preventive, pre-close)
  • APR accuracy validation
  • Immutable audit trail & exam packages
50% fewer fee cures
Target reduction in 6 months

Climate & Physical Risk

  • Property-level risk scoring (flood, wildfire, wind, heat)
  • Portfolio concentration heat maps
  • Insurance gap detection (SFHA, ACV vs. replacement)
  • Investor due diligence exports
Same-day delivery
Climate risk package for investors
Dashboard

One dashboard. Always audit-ready.

Portfolio-level compliance health score, real-time alerts, and one-click exam packages.

🔒 app.fundableai.com/compliance
87
Compliance Health Score
Portfolio Status: Healthy
Updated 2 min ago
Fair Lending
Passing
Low Risk
All metrics within thresholds
TILA/RESPA
2 Alerts
Attention
2 tolerance issues flagged
Climate Risk
Passing
Monitored
342 properties scored
Recent Alerts
Fee tolerance breach — Loan #4521 (zero-tolerance violation)
12 min ago
CD delivery deadline in 24hrs — Loan #4498
1 hr ago
Flood insurance lapsed — 3 properties in SFHA zones
3 hrs ago
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Competitive Edge

Why lenders switch to Fundable.

One platform replaces your patchwork of point solutions.

Capability Fundable ComplianceEase Wolters Kluwer QuestSoft
Fair lending continuous monitoring ✓ – HMDA only Basic
TILA/RESPA tolerance tracking ✓ Post-close Doc gen –
Climate risk scoring ✓ – – –
Unified compliance dashboard ✓ – – Partial
Portfolio-level monitoring ✓ – – Partial
Investor due diligence exports ✓ – – –
Results

The numbers that matter.

0%
Fewer fee cures
$0+
Savings per loan
0%
Less exam prep time
Zero
Material findings at exam
<5min
Tolerance breach to alert
$0M
Annual cure costs at risk
Trusted By

Built for lenders managing $1B+ in portfolio risk.

“

We went from dreading exams to walking in with everything ready. The fee tolerance engine alone saved us $400K in the first year.

Compliance Director

Private Lending Firm (FL) — $1B+ portfolio

About

Built by people who understand lending infrastructure

Chen Avnery
Chen Avnery
Co-founder
Hod Israeli
Hod Israeli
Co-founder

Chen and Hod worked together at Pagaya Technologies, where they built data infrastructure processing millions of loan records, worked with AI models powering credit decisioning at scale, and designed the data pipelines behind internal verification of over $10 billion in annual loan volume. Fundable brings that same depth of expertise to originators, investors, and lenders who need complete loan intelligence — without the 12-18 month build cycle of doing it internally.

0
Years in fintech data engineering
0
Annual loan volume verified
0
Data quality score
0
Federal data sources integrated

Stop finding out at exam time.

Get continuous compliance monitoring for your portfolio.

Schedule a demo Or request a compliance assessment

See how your current compliance posture stacks up — no commitment required.