Humberto - AI HMDA Reporting Specialist
AI HMDA Reporting Specialist
Humberto is an AI-powered HMDA reporting specialist designed to automate and streamline Home Mortgage Disclosure Act (HMDA) compliance for credit unions and banks. By integrating directly with loan origination systems (LOS) and core platforms, Humberto extracts, validates, and formats HMDA data automatically, eliminating manual entry, reducing human error, and ensuring timely, accurate submissions every reporting cycle.
Agent Functionality:
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Pulls required HMDA fields directly from LOS and core systems in real time
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Cross-checks extracted data against regulatory requirements to flag inconsistencies or missing fields
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Formats data to meet CFPB HMDA submission standards, ready for upload
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Notifies team members of potential issues or errors to resolve before submission deadlines
Reduces errors and omissions by automating data extraction, validation, and formatting—helping meet strict regulatory deadlines with confidence.
Frees compliance staff from time-consuming manual tasks, so they can focus on higher-value work.
Speeds up the HMDA reporting process to avoid late filings, penalties, or audit exposure.
Provides clear, validated HMDA data trails for easy audits and internal reviews, supporting a stronger compliance posture.