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Hmda Auditor Jobs (NOW HIRING)

First Mid

CRA & Fair Banking Officer

Saint Louis, MO · On-site

$73K - $110K/yr

Develops and maintains a library of CRA/HMDA and fair lending resources. * Coordinates compliance efforts with internal auditors and regulatory examiners, furnishing requested information. * Manages ...

First Mid

CRA & Fair Banking Officer

Grapevine, TX · On-site

$73K - $110K/yr

Develops and maintains a library of CRA/HMDA and fair lending resources. * Coordinates compliance efforts with internal auditors and regulatory examiners, furnishing requested information. * Manages ...

First Mid

CRA & Fair Banking Officer

Champaign, IL · On-site

$73K - $110K/yr

Develops and maintains a library of CRA/HMDA and fair lending resources. * Coordinates compliance efforts with internal auditors and regulatory examiners, furnishing requested information. * Manages ...

First Mid

CRA & Fair Banking Officer

Des Moines, IA · On-site

$73K - $110K/yr

Develops and maintains a library of CRA/HMDA and fair lending resources. * Coordinates compliance efforts with internal auditors and regulatory examiners, furnishing requested information. * Manages ...

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Hmda Auditor information

See salary details

$31.5K

$68.7K

$112K

How much do hmda auditor jobs pay per year?

As of Sep 3, 2026, the average yearly pay for hmda auditor in the United States is $68,732.00, according to ZipRecruiter salary data. Most workers in this role earn between $49,000.00 and $86,500.00 per year, depending on experience, location, and employer.

What is a HMDA auditor?

A HMDA Auditor is a professional responsible for reviewing and ensuring a financial institution's compliance with the Home Mortgage Disclosure Act (HMDA). Their main task is to audit loan data, verify its accuracy, and confirm it meets federal reporting requirements. They help organizations avoid legal penalties by identifying discrepancies, recommending corrective actions, and often training staff on HMDA regulations. HMDA Auditors play a crucial role in promoting transparency and fair lending practices within the mortgage industry.

What are the key skills and qualifications needed to thrive as a HMDA auditor?

To thrive as a HMDA Auditor, you need a thorough understanding of mortgage lending regulations, data integrity, and compliance standards, typically supported by experience in banking or mortgage compliance roles. Familiarity with HMDA software, loan origination systems, and regulatory reporting tools is essential, along with certifications such as Certified Regulatory Compliance Manager (CRCM) being advantageous. Strong analytical thinking, attention to detail, and effective communication skills help auditors identify discrepancies and collaborate with cross-functional teams. These skills ensure accurate HMDA reporting, reduce risk of regulatory penalties, and support organizational compliance objectives.

What are typical challenges HMDA auditors face when ensuring data accuracy and compliance?

HMDA Auditors often encounter challenges such as identifying inconsistencies in large datasets, staying updated with evolving regulatory requirements, and ensuring timely corrections of reporting errors. They must work closely with loan officers, compliance teams, and IT staff to verify data integrity and resolve discrepancies. Attention to detail and strong communication skills are crucial, as auditors regularly need to interpret complex regulations and provide guidance to other departments to maintain full compliance.

What is the difference between Hmda Auditor vs Loan Processor?

AspectHmda AuditorLoan Processor
CertificationsOften requires knowledge of HMDA regulations, compliance certificationsTypically requires loan processing certifications or training
Work EnvironmentCompliance departments, financial institutions, regulatory agenciesLoan departments, mortgage companies, banks
Primary ResponsibilitiesReviewing HMDA data for accuracy, ensuring regulatory complianceGathering borrower information, preparing loan documents, processing applications

While both roles are involved in the mortgage and lending industry, an Hmda Auditor focuses on regulatory compliance and data accuracy related to HMDA reporting, whereas a Loan Processor handles the day-to-day processing of loan applications. The Hmda Auditor ensures that institutions meet federal reporting standards, while the Loan Processor manages the loan approval workflow.

More about Hmda Auditor jobs

What cities are hiring for Hmda Auditor jobs?

Cities with the most Hmda Auditor job openings:

What states have the most Hmda Auditor jobs?

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Hmda Auditor jobs near you
Infographic showing various Hmda Auditor job openings in the United States as of August 2026, with employment types broken down into 87% Full Time, 9% Part Time, 1% Temporary, 2% Contract, and 1% Nights. Highlights an 87% Physical, 5% Hybrid, and 8% Remote job distribution, with an average salary of $68,732 per year, or $33 per hour.

CRA & Fair Banking Officer

First Mid

Saint Louis, MO • On-site

$73K - $110K/yr

Full-time

Medical, Dental, Vision, Retirement, PTO

Posted 13 days ago

Key responsibilities

  • Develops, implements, and administers the Bank's Community Reinvestment Act Compliance Program.

  • Creates, tracks, monitors, analyzes, and tests fair lending related data and reports results and exceptions to management.

  • Manages and supervises the CRA and HMDA Specialist, including training, mentoring, and overseeing daily activities.

First Mid Bank & Trust rating

8.5

Company rating: 8.5 out of 10

Based on 6 frontline employees who took The Breakroom Quiz

35th of 174 rated banks

Job description

At First Mid, base salary is one component of our Total Rewards program. Exact compensation is determined by factors such as (but not limited to) education, skills, internal equity, and experience. This position offers additional compensation in the form of discretionary short-term incentives (i.e. bonus, incentives, and/or commission). Benefits for this role include comprehensive healthcare, well-being benefits, paid family leave as well as generous paid time off. Total Rewards also include banking perks, tuition reimbursement, an Employee Stock Purchase Plan, and a 401K plan with company match. Incentives and benefits are subject to eligibility requirements.
The Community Reinvestment Act Officer (CRA) is responsible for developing, implementing, and administering all aspects of the Bank’s Community Reinvestment Act Compliance Program. This position provides specialized expertise to ensure regulatory compliance and data integrity of CRA and HMDA and provides support to the lending operations area and senior management through management reports.
Responsibilities include, but are not limited to:
  • Maintains a competent level of expertise and knowledge of the requirements of the various laws, regulations and rulings governing the Bank’s CRA, HMDA, and Fair Lending activities, staying current on regulatory updates, supervisory guidance, and industry concerns.
  • Ensures that the public CRA file contains the necessary information to meet regulatory requirements. Ensures that the required CRA lobby notices are posted as applicable.
  • Establishes and monitors a program of CRA training and education for all Bank employees and assists bank employees with CRA and HMDA related questions.
  • Establishes and monitors a program of Fair Banking training and education for impacted Bank employees and assists bank employees with Fair Banking related questions.
  • Work with business lines and the compliance department to annually update and oversee the Fair Banking Policy and qualitative Fair Banking Risk Assessments to ensure inclusion of related initiatives or corrective actions.
  • Responsible for creating; tracking; monitoring; analyzing and testing of fair lending related data and the reporting of results and exceptions to the appropriate committees and Bank Management.
  • Advocate for a strong culture of Fair and Responsible Banking with management and business partners.
  • Monitors the Bank’s identification and data collections of community development loan, investment, and service activities. Creates and implements enhancements to data collection processes.
  • Identifies opportunities for community development projects. Tracks qualified community development loans, investments, and services, including detailed information on each organization and methodology for qualification. Suggests ways to improve CRA performance.
  • Conduct periodic reviews of the Bank’s Assessment Areas to ensure reasonableness.
  • Works with the Marketing Department and Community Development officers to sustain and improve engagements in underserved communities.
  • Partners with the Director of Regulatory Compliance on investigating and responding to complaints related to fair lending.
  • Responsible for annual submission of CRA and HMDA files to regulators within prescribed deadlines and preparation of annual CRA report to the board detailing the Bank’s current performance.
  • Works with management to determine assessment area changes as well as fair lending concerns during acquisitions.
  • Develops and maintains a library of CRA/HMDA and fair lending resources.
  • Coordinates compliance efforts with internal auditors and regulatory examiners, furnishing requested information.
  • Manages and supervises the CRA and HMDA Specialist position. Responsible for training, mentoring and oversight of day-to-day activities. Monitors work to ensure data integrity for CRA and HMDA reporting, including, but not limited to, reviewing loan file samples. Assists in daily operations as needed to meet deadlines.
  • Cross-sell bank products and services in a professional manner.
  • Complete required training associated with job function.
  • Performs other related duties as assigned.
Qualifications
Education:
  • Bachelor’s degree in finance, business, or related field preferred.
Experience:
  • 3+ years of CRA experience and/or Fair Lending experience.
  • Experience with CRA Wiz preferred
Skills:
  • Working knowledge of Microsoft Word and Excel. Thorough knowledge of bank operations, general ledger system and loan operations.
  • Strong organizational skills. Must be able to work with a significant amount of detailed information in an accurate, timely and confidential manner.
  • High level of interpersonal skills to interact with employees in a professional manner.
  • Ability to analyze and dissect loan data to determine if the Company is meeting desired CRA goals and objectives.
  • Strong written and verbal communication skills to communicate effectively with diverse groups and individuals. Ability to write reports, policy, and procedure manuals. Ability to effectively present information and respond to questions.
  • Critical thinking skills. Ability to define problems, collect data, establish facts, and draw valid conclusions.
  • Ability to work independently, problem solve and make decisions with minimal supervision.
  • Strong knowledge of both internal policies and procedures and the respective state and federal laws and regulations governing departmental functions to ensure performance of individual job duties within the proper control environment.
  • Ability to work and develop credibility with regulatory personnel.
  • Ability to work with community groups and government agencies.
  • Willingness to travel to other bank locations.
Total Rewards:
  • Competitive health, dental amp; vision coverage with HSA match
  • 401(k) with employer match + Employee Stock Purchase Plan
  • Generous PTO, paid holidays amp; parental leave
  • Tuition reimbursement amp; performance-based bonuses
  • Visit our Total Rewards page to see our full list of benefits
First Mid Bancshares, Inc. is an Equal Opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability, gender identity, sexual orientation, protected veteran status, or any other applicable federal or state-protected classification.
THIS JOB DESCRIPTION DOES NOT CONSTITUTE A CONTRACT FOR EMPLOYMENT

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