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Fair Lending Jobs (NOW HIRING)

Everwise Credit Union

Fair Banking, Manager

Carmel, IN · On-site

The Fair Banking, Manager is responsible for developing and overseeing the organization's Fair Lending program that will include responsibility for administering fair lending monitoring programs and ...

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$25K

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How much do fair lending jobs pay per year?

As of Aug 15, 2026, the average yearly pay for fair lending in the United States is $42,087.00, according to ZipRecruiter salary data. Most workers in this role earn between $35,000.00 and $45,000.00 per year, depending on experience, location, and employer.

What are some common challenges faced by fair lending professionals when ensuring compliance across multiple loan products?

Fair Lending professionals often face the challenge of navigating complex regulatory requirements across a variety of lending products, such as mortgages, auto loans, and personal loans. Each product may have unique risk factors and customer demographics, making it essential to tailor compliance strategies accordingly. Additionally, coordinating with different departments—like underwriting, marketing, and sales—to gather accurate data and implement fair lending practices can be demanding. Staying current with evolving regulations and conducting thorough data analysis to identify and address potential disparate impacts are also ongoing aspects of the role.

What are the key skills and qualifications needed to thrive in fair lending?

To thrive in Fair Lending, you need a solid understanding of fair lending laws and regulations (such as ECOA and FHA), data analysis, and risk assessment, often supported by a degree in finance, law, or a related field. Familiarity with compliance management systems, data analytics tools, and regulatory reporting software is typical. Attention to detail, ethical judgment, and strong communication skills distinguish top performers in this area. These skills and qualities are crucial for ensuring organizations comply with regulations, avoid discrimination, and maintain trust with regulators and the public.

What is the difference between Fair Lending vs Mortgage Underwriter?

AspectFair LendingMortgage Underwriter
Primary FocusEnsuring compliance with fair lending laws and preventing discriminatory practicesAssessing loan applications for approval based on creditworthiness and compliance
Required CredentialsKnowledge of fair lending laws, compliance certificationsLoan processing, underwriting certifications, knowledge of lending guidelines
Work EnvironmentRegulatory agencies, financial institutions, compliance departmentsMortgage lending companies, banks, financial institutions

Fair Lending professionals focus on ensuring that lending practices comply with laws preventing discrimination, while Mortgage Underwriters evaluate individual loan applications for approval. Both roles require knowledge of lending regulations, but their core responsibilities differ: one emphasizes compliance oversight, the other loan assessment.

What does a fair lending officer do?

A fair lending officer ensures that lending practices comply with fair lending laws and regulations, such as the Equal Credit Opportunity Act. They review loan applications, analyze data for potential discrimination, and develop policies to promote equitable access to credit. Strong analytical skills and knowledge of legal standards are essential for this role.

What is fair lending?

Fair lending refers to the practice of providing equal access to credit and financial services regardless of race, ethnicity, gender, or other protected characteristics. It is governed by laws such as the Equal Credit Opportunity Act (ECOA) and the Fair Housing Act, which prohibit discrimination in lending. Fair lending professionals help financial institutions comply with these regulations by monitoring policies, conducting training, and investigating potential disparities in lending practices. The goal is to ensure that all individuals have a fair opportunity to obtain loans and credit.
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What cities are hiring for Fair Lending jobs?

Cities with the most Fair Lending job openings:

What are the most commonly searched types of Fair Lending jobs?

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What states have the most Fair Lending jobs?

States with the most job openings for Fair Lending jobs include:

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Fair Lending jobs near you
Infographic showing various Fair Lending job openings in the United States as of August 2026, with employment types broken down into 78% Full Time, 19% Part Time, 1% Temporary, and 2% Contract. Highlights an 94% Physical, 2% Hybrid, and 4% Remote job distribution, with an average salary of $42,087 per year, or $20.2 per hour.

Sr Leader, HMDA & Fair Lending Analytics

loanDepot

Plano, TX • On-site, Remote

$104/hr

Full-time

Medical, Dental, Vision, PTO

This job post has expired today. Applications are no longer accepted.

loanDepot rating

7.8

Company rating: 7.8 out of 10

Based on 18 frontline employees who took The Breakroom Quiz

Job description

Description
Position at loanDepot
Position Summary:
Responsible for leading the development and execution of fair lending analytics programs to identify, manage, and report on fair lending risks. Oversees the design and maintenance of loanDepot's HMDA compliance management system to ensure complete, accurate, and timely data collection, reporting, and submission. Provides strategic direction on fair lending compliance, applying expert judgment in establishing internal procedures, interpreting regulatory requirements, and responding to data and analytics requests from internal and external stakeholders.
Responsibilities:
  • Manages fair and responsible lending analytics program elements, including performance analytics, matched pair testing, redlining reviews, ECOA monitoring, etc. Creates reporting of fair lending data to management.
  • Develops innovative approaches to identify and monitor fair and responsible lending risk through performance analytics and monitoring initiatives incorporating each of loanDepot's lending channels.
  • Uses the results of lending performance analytics to identify fair and responsible lending risks.
  • Prepares findings, analyzes root causes, and identifies systemic, operational, and process issues.
  • Reviews and monitors policies, procedures, and internal controls to ensure ongoing compliance with the collection and reporting requirements set forth in HMDA and Regulation C.
  • Ensures timely and accurate submission of HMDA data to the Consumer Financial Protection Bureau. Submits any necessary resubmission of HMDA LAR data to regulatory agencies. Ensures quarterly LAR information is maintained pursuant to HMDA and Regulation C.
  • Monitors and evaluates system controls to ensure the accuracy of HMDA data capture, as well as identification of higher risk issues.
  • Establishes data integrity testing and protocols to address risks identified through routine monitoring and testing. Documents testing requirements in procedures, job aids and scenario guides. Ensures a clear auditable trail is maintained for HMDA LAR validation within each loan or application file.
  • Prepares written HMDA reports detailing findings and recommendations for corrective actions.
  • Maintains up-to-date knowledge of regulations and regulatory guidance, enforcement actions, and industry trends and incorporates this knowledge into ongoing development and maintenance of fair and responsible lending risk management efforts.
  • Provides technical guidance, training, information, and analysis to peers and team members.
  • Initiates and completes special project assignments, such as due diligence examinations, task force projects, or special ad hoc reviews.

Requirements
  • Bachelor's Degree required, and a minimum of ten (10) + years of fair lending compliance and analytical experience.
  • Minimum of seven (7) + years' mortgage lending experience in compliance with emphasis on HMDA reporting.
  • Minimum of five (5) + years' experience in the field of mortgage lending compliance and regulatory audit reporting required.
  • Experience with Microsoft Office, Excel, and Empower required.
  • Advanced knowledge of regulatory reporting software required, specifically Rata Comply.

Why work for #teamloanDepot:
  • Aggressive compensation package based on experience and skill set.
  • Inclusive, diverse, and collaborative culture where people from all backgrounds can thrive.
  • Work with other passionate, purposeful, and customer-centric people.
  • Extensive internal growth and professional development opportunities including tuition reimbursement.
  • Comprehensive benefits package including Medical/Dental/Vision.
  • Wellness program to support both mental and physical health.
  • Generous paid time off for both exempt and non-exempt positions.

About loanDepot:
loanDepot (NYSE: LDI) is a digital commerce company committed to serving its customers throughout the home ownership journey. Since its launch in 2010, loanDepot has revolutionized the mortgage industry with a digital-first approach that makes it easier, faster, and less stressful to purchase or refinance a home. Today, loanDepot enables customers to achieve the American dream of homeownership through a broad suite of lending and real estate services that simplify one of life's most complex transactions. With headquarters in Southern California and offices nationwide, loanDepot is committed to serving the communities in which its team lives and works through a variety of local, regional, and national philanthropic efforts.
Base pay is one part of our total compensation package and is determined within a range. This provides the opportunity to progress as you grow and develop within a role. The base pay for this role is between $104.000 and $182,500. Your base pay will depend on multiple individualized factors, including your job-related knowledge/skills, qualifications, experience, and market location.
We are an equal opportunity employer and value diversity in our company. We do not discriminate based on race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.

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