This project focuses on fostering equitable practices in the financial sector by recognizing top-performing banks, analyzing critical data to identify best practices, and assessing market trends to support underserved communities. By analyzing Home Mortgage Disclosure Act (HMDA) data collected) comparing the previous year with more current, ‘in-year’ results will reflect improvement or degradation in a bank's ongoing commitment to Fair Lending. The initiative aims to advance homeownership opportunities for diverse populations while promoting industry accountability and excellence by improving reporting transparency and aligning with Fair Lending and CRA compliance standards.