THE LULU INDEX

2024 Fair Lending Analysis

Get GenAI-powered insights from the most recent Home Mortgage Disclosure Act (HMDA) data.


The LuLu Index: Fair Lending Analysis report offers an in-depth look into 2024 national mortgage application data, highlighting disparities in approval rates among demographic and product segments. The insights and recommendations were compiled using LuLu Pulse, your generative AI lending companion.

    What you'll discover:

    • Racial disparities: Discover significant differences in approval rates for racial minority applicants across all loan products, income levels, and census tract types.
    • Age-related disparities: Get details on approval rate trends across different age groups.
    • Gender disparities: Explore subtle but statistically significant differences in approval rates by income, despite overall gender parity.
    • Analysis of low-income areas: Learn how racial disparities become more pronounced in low-income census tracts.

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