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nlending

Fair Lending Compliance Software Built for Exam Confidence

Build the lending compliance program that fits your institution. Nlending is fair lending software built for banks, credit unions, and mortgage lenders, with tools for HMDA, non-HMDA, CRA, Fair Lending, and 1071, from transmittal to statistical analysis, aligned with FFIEC and CFPB guidance.

 

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Trusted by banks, credit unions, and mortgage lenders managing multi-billion-dollar lending books from coast to coast

Your Entire Fair Lending Compliance Program in One Suite

Choose your institution type to see how Nlending supports your fair lending compliance.
What Sets Nlending Apart

How Our Fair Lending Compliance Software is Different

Fair lending analysis shouldn’t be a black box. Here’s what makes Nlending different from other loan compliance software.
Run Your Program Like a Veteran

Catch what examiners look for before filing day, with experience from compliance practitioners, attorneys, and former regulators baked into every module and working for your program from day one. 

Complete Reviews Faster, In House

Put every review in your team's hands, from first import to final decision. Nlending guides the work at every step and explains what it finds, so your team builds expertise in-house instead of paying an outside firm for every review.

Become the Voice Leadership Trusts

Earn leadership's trust with your reviews. Executive-ready summaries put your insights in language decision-makers can act on, so your compliance team can answer their questions directly.

Build Only What You Need

Choose the modules your institution needs, from HMDA and CRA to fair lending and 1071, and only pay for those. Add more as your program grows. 

Nlending vs. Other Solutions

How Nlending Compares

Not all loan compliance software handles fair lending the same way. See how Nlending compares with other solutions on plain-language results, non-HMDA coverage, vendor consolidation, and redlining analysis.
Features
Nlending
Other Solutions
Results explained in plain language, with next steps
Yes, in HMDA Analytics and Regression Ntelligence
Statistical output the compliance team interprets on its own
Regression across consumer, auto, and credit card portfolios with automated geocoding and proxying
Yes
Often mortgage-only or requires a separate engagement for non-HMDA products
Single vendor relationship for lending compliance, vendor risk, and compliance management
Yes
No
Redlining and geographic risk analysis included with HMDA analytics
Yes
Often a separate module or add-on

When the Examiner Asks, Will You Have Every Answer Ready?

See how financial institutions use Nlending to cut through CRA, HMDA, and fair lending data automatically — reducing errors and exam prep time significantly.

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Go Deeper Into Our Lending Compliance Solutions

Customer success story

HMDA Prep Time Cut from 60 Hours to 8 a Month

See how Arizona Financial Credit Union uses Nlending HMDA Transmittal to manage reporting across three loan origination systems, from data import to submission. 

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"Ncontracts’ lending compliance products have been a game-changer for us. The system is intuitive, and the results have been overwhelmingly positive."
James Rovito
CRA and Fair Lending Officer, First Citizens Community Bank
“Being able to create all the reporting with the same data across the different modules within the Ncontracts suite makes the whole experience so much easier for me to administer and present to the board and executive leadership team.”
VP of Enterprise Risk Management
"I feel more confident and comfortable with the entire policy, knowing that someone who looks at a variety of community bank policies is providing professional feedback. That’s one of the best parts of dealing with Ncontracts. "
Assistant Vice President, Support Manager
With your analysis and your people, you kind of do everything for me behind-the-scenes.I get the reports and you show me the results step-by-step, so that I have a better understandingand can easily explain the numbers to my board.
Erin Goodall
Valliance Bank Vice President and Director of Compliance
"The HMDA reporting module has been an invaluable asset for our bank in doing our required reporting. It has saved our bank countless hours of work in the process. We just completed our CRA exam. The reporting available in the lending module was so helpful. It helped us validate our assessment areas, match our lending with our peers, and show us where our loans are located. The reports helped the exam to be as efficient as possible for our bank and the examiner."
Chad Elledge
EVP & Chief Risk Officer at Texas Heritage National Bank

Frequently Asked Questions About Our Fair Lending Software

What is a fair lending program?

A fair lending program is the formal framework a lender uses to ensure every applicant and borrower is treated fairly, with no discrimination based on race, ethnicity, gender, age, or other protected characteristics, across the credit lifecycle. It typically includes policies and procedures, risk assessments, ongoing statistical monitoring, training, and reporting.

How does Nlending help a lender prepare for a CFPB, FDIC, OCC, NCUA, or state fair lending exam?

Nlending runs the same analysis examiners use before the exam happens: surfacing disparities, identifying what's driving them, and documenting the reasoning behind every decision. Your team has the answers before examiners ask.

Can Nlending replace fair lending consultants?

Nlending makes consultant engagements the exception instead of the routine. Your team runs regression in-house for the questions that used to require a five-figure engagement; complex matters may still warrant outside counsel or expert review. 

Does Nlending cover CRA and Section 1071 in addition to fair lending and HMDA?

Nlending is a customizable platform, so you build your own program from modules covering HMDA transmittal and analytics, fair lending analytics and regression, CRA transmittal, analytics, and community development tracking, and 1071 transmittal and analytics, all from one vendor. Only pay for the modules you need. 

Does Nlending cover non-mortgage lending, like auto, consumer, and small business loans?

Yes. Non-HMDA Analytics extends fair lending testing (pricing analysis, credit decisioning analysis, matched pairs, exception analysis) across consumer lending portfolios.

Do you have to own Ncontracts’ ERM platform to use Nlending?

No, you don’t need to own Nvendor, Nrisk, Ncomply, or any other part of the Ncontracts platform to use Nlending. Nlending is customizable so you have the lending compliance tools that fit your business, though many institutions complement Nlending and their lending compliance program with products from the Ncontracts’ ERM platform. 

How long has Ncontracts provided lending compliance solutions?

Ncontracts’ roots in lending compliance software go back to 1995 with the founding of Questsoft, which Ncontracts acquired in 2021. Ncontracts began offering lending compliance solutions with the acquisition of TRUPOINT Partners in 2019.

Fair Lending Regression Analysis: Are You Ready?

Find the real story in your lending data. Learn the goals, inputs, and outlier checks that matter.

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The Fair Lending Analytics Buyer’s Guide

Learn about the key components to look for in a modern fair lending analytics solution.

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7 Essential Fair Lending Risks

Fair Lending compliance can be complex - but a clear understanding of your risk can make it much simpler.

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