Build a mortgage compliance program that survives the audit.
RADD’s compliance specialists design, test, and defend risk-based mortgage compliance programs for banks, credit unions, and mortgage lenders — every stage from origination to servicing, and every rule from TRID to HMDA to fair lending.
When the auditor pulls a loan file, “we’ll fix it next quarter” isn’t an answer.
Most mortgage compliance teams at banks, credit unions, and independent lenders are stretched thin — one or two people covering TRID disclosures, HMDA data integrity, fair-lending monitoring, servicing rules, and investor requirements all at once. The rules shift constantly and the tolerances are unforgiving.
Where the findings come from
- TRID fee tolerances that miss by a few dollars
- HMDA LAR fields that don’t reconcile back to the file
- Fair-lending monitoring that exists on paper only
- Servicing and loss-mitigation gaps nobody owns
Then an exam cycle, an investor audit, or a repurchase demand lands — and a single mis-disclosed fee or bad HMDA field turns into a finding, a reimbursement order, or a buyback. The work never stops, and the margin for error keeps shrinking.
You shouldn’t have to catch every finding on your own.
RADD has sat in your seat. Our consultants have run mortgage compliance and quality-control programs, answered to examiners and investors, and cleaned up findings under deadline. We bring that experience to your team — the extra set of expert hands that reviews the files, tightens the controls, and stands behind the program when it’s tested.
- Consultants who have run mortgage compliance and QC programs
- Answered to examiners, investors and repurchase demands
- Coverage from origination through servicing
- Findings remediated under deadline, not just documented
The R.A.D.D. Compliance Confidence Framework™
You shouldn’t have to figure out where to start. Our four-step framework turns regulatory uncertainty into a clear path forward — built around your institution’s size, business lines, and risk profile.
Reveal Risks
We uncover the regulatory gaps, operational risks, and audit vulnerabilities specific to your institution through a proactive compliance assessment — before an examiner finds them first.
Align & Analyze
We benchmark your current compliance posture against examiner expectations and board priorities, including emerging risks like crypto, fintech partnerships, IT compliance, and privacy laws (CCPA/GLBA).
Design Your Compliance Roadmap
You get a customized, board-ready roadmap with priorities, timelines, resource recommendations, and predictive strategies to eliminate future findings — not just the ones you already know about.
Deliver & Defend
We execute the roadmap alongside your team — through tailored audit engagements or our RADD Assist subscription — and stand with you in front of examiners, the audit committee, and the board.
Full-cycle mortgage compliance support.
Consulting & program build
- Mortgage compliance policies and procedures
- TILA/RESPA and TRID disclosure review
- HMDA data integrity and LAR scrubbing
- Fair-lending risk assessments and monitoring
- ECOA / Reg B and UDAAP controls
- Servicing compliance (Reg X, loss mitigation)
- Loan-file and pre-funding QC reviews
- Findings and repurchase-demand remediation
Independent audit & testing
- Comprehensive mortgage compliance audits
- HMDA data-integrity validation
- TRID and disclosure accuracy testing
- Fair-lending statistical analysis
- Post-closing and QC file reviews
- Servicing and loss-mitigation testing
- Board reports and corrective-action tracking
What “handled” looks like.
It looks like clean loan files, HMDA data that reconciles, disclosures that hold up to the letter, and a fair-lending story you can defend — so your next exam or investor review is a formality, not a fire drill. RADD carries the compliance load your team can’t, and gives your board and regulators a program they can trust.
Why Clients Rely on RADD LLC
Frequently asked questions
Who is this for?
Mortgage compliance and QC leaders, Chief Compliance Officers, and lending executives at community banks, credit unions, and independent mortgage lenders.
Can you help during an active exam or investor audit?
Yes. Exam and audit response, finding remediation, and repurchase-demand support are core to what we do — we can step in mid-cycle.
Do you do independent audits as well as build the program?
Yes — and when independence matters, we scope the audit separately from any program-build work so your testing stays objective.
Which regulations do you cover?
The full mortgage stack — TILA/Reg Z, RESPA/Reg X, TRID, HMDA, ECOA/Reg B, FCRA, the SAFE Act, UDAAP, and fair lending — across origination and servicing.
Let’s stress-test your mortgage program before the auditor does.
Book a 30-minute call. We’ll walk through where your mortgage compliance risk really sits — and what it takes to close the gaps.
