Upstart

Data Analyst, Home Lending HMDA

United States | Remote

Sponsorship not specified$92k-$126kDetected 12 days ago

SparkA/B TestingCadenceProblem Solving

About the role

Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence.
But the numbers only hint at the impact.
Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress.

Manage HMDA and CRA data integrity reviews, including routine monitoring, exception tracking, and remediation.
Perform data validation and quality control testing to identify coding, completeness, and accuracy issues.
Partner with Compliance, Operations, Engineering, and other business teams to resolve data discrepancies.
Maintain documentation of data reviews, corrections, procedures, controls, and submission evidence.
Support regulatory exams, internal audits, compliance testing, and investor or management reporting related to HMDA and CRA.
As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that's both radically intelligent and deeply human.
And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City (opening Summer 2026), you'll have the support to work in the way that works best for you.

3-5 years of experience with HMDA and CRA data collection, reporting, or compliance reporting and monitoring.
Strong understanding of mortgage lending operations and regulatory data requirements.
Proficiency with loan origination, compliance, or data reporting systems.

Prior experience preparing HMDA LAR or CRA submissions.
Familiarity with fair lending, mortgage compliance, or consumer lending compliance.
Experience supporting regulatory exams, audits, or compliance testing.
Travel requirements As a digital first company, the majority of your work can be accomplished remotely.
The majority of our employees can live and work anywhere in the U.S but are encouraged to to still spend high quality time in-person collaborating via regular onsites.
The in-person sessions' cadence varies depending on the team and role
most teams meet once or twice per quarter for 2-4 consecutive days at a time.
What you'll love

Individual pay is also determined by job-related skills, experience, and relevant education or training.

At Upstart, your base pay is one part of your total compensation package.
The anticipated base salary for this position is expected to be within the below range.
United States | Remote - Anticipated Base Salary Range
Coordinate the annual HMDA Loan/Application Register (LAR) and CRA data submission processes.
$91,500 - $126,400 USD

In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).
At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth.

Upstart's Home Lending Legal, Regulatory, and Risk Management team plays a critical role in enabling the growth and stability of our Home Lending business.
We work cross-functionally with Operations, Engineering, Product, Legal, Risk, and Compliance to ensure that Upstart's home lending activities meet regulatory standards and align with best practices.
Our team is focused on building scalable, effective, and forward-looking compliance oversight that empowers business success while managing risk.
The HMDA/CRA Data Analyst is responsible for supporting the organization's compliance with Home Mortgage Disclosure Act (HMDA) and Community Reinvestment Act (CRA) data collection, integrity, reporting, and submission requirements.
This role primarily oversees the end-to-end HMDA and CRA data integrity process, including data validation, issue resolution, quality control testing, and timely regulatory submissions.
Coordinate the annual HMDA Loan/Application Register (LAR) and CRA data submission processes.
Monitor regulatory changes and assist with updates to policies, procedures, training, and system controls.
Prepare periodic reporting for management on data quality trends, exceptions, corrective actions, and submission readiness.
As a digital first company, the majority of your work can be accomplished remotely.

This listing is sourced directly from Upstart's careers page and normalized into a canonical job model.