What RATA Associates does

RATA Associates LLC is a privately held U.S. compliance software company founded in 1987 and headquartered in Longwood, Florida. The company sells the RATA Comply software suite to banks, credit unions, and mortgage lenders for HMDA, CRA, Fair Lending, and Section 1071 (SBL) regulatory reporting. Its platform combines data import, automated geocoding with 95%+ accuracy, real-time edit checking against FFIEC and CFPB rules, automatic rate spread calculations, and direct FFIEC submission, with surrounding modules for fair lending statistical analysis, peer benchmarking, geographic visualization, and custom reporting. The underlying architecture runs on a FedRAMP-Certified Microsoft Azure platform accessible via RATA Hosted Services or as on-premise installation.

The company generates revenue primarily through annual software subscriptions for the Comply suite, with supplementary revenue from professional services such as video training, live training, and customer care reviews. Sales are conducted consultatively through direct enterprise outreach, website demo requests, and phone-based engagement, with no publicly disclosed pricing. Customer segments are organized vertically across banks, credit unions, and mortgage companies, with named testimonial customers including TCA, River Funding Corporation, Panhandle State Bank, TruHome Solutions, Greer State Bank, and Pacific Union Financial LLC. The company has remained founder-led under John R. Woloshen (founder, president, and CEO) with no disclosed outside funding, M&A activity, or parent organization.

The company has continuously evolved its product to track U.S. federal regulatory changes, including the 2018 HMDA overhaul and the 2026 introduction of Comply SBL (1071) for small business lending compliance. Beyond core submission tooling, RATA has expanded into analytics and visualization through Comply DataMine and Comply Mapping, and operates a proprietary ZOOM Geocoder service that has geocoded millions of addresses since 1987. The firm holds FedRAMP Moderate certification and maintains a Microsoft Partner relationship, positioning it for enterprise and government-adjacent financial institution customers.

Name

RATA Associates

Legal name

RATA Associates LLC

Website

https://rataassociates.com

Company type

Private

Founded year

1987

Operating status

Operating

Headcount range

11–50 employees

Short description

RATA Associates provides HMDA, CRA, Fair Lending, and Section 1071 compliance software to U.S. banks, credit unions, and mortgage lenders via its Comply suite, running on FedRAMP-certified Azure infrastructure with proprietary geocoding and FFIEC submission tools.

Ownership category

akta.pro rank

Product category

Regulatory Compliance Software

SIC

Finance Services (6199)

akta.pro primary industry

Best Execution & TCA Compliance (FSAFAOAL)

Keywords

• Regulatory compliance software
• HMDA compliance
• Fair lending analysis
• CRA reporting
• Geocoding services

Headquarters

HQ city

Longwood

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Software Licenses and Subscriptions: RATA Comply is sold as compliance software licenses, likely on an annual subscription basis, providing HMDA, CRA, Fair Lending, and SBL compliance tools. The software is available both as on-premise installation and cloud-hosted service through RATA Hosted Services.
2. Professional Services and Training: RATA provides professional services including video training, live training, and customer care reviews to help institutions maximize their use of the Comply suite and maintain compliance.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels4 records

Core offering

RATA Associates designs, develops, and supports compliance software for U.S. financial institutions subject to federal lending regulations. Its flagship RATA Comply platform automates HMDA, CRA, Section 1071 (Small Business Lending), and Fair Lending data collection, edit checking, geocoding, reporting, and peer analysis. The company also delivers hosted cloud infrastructure and supplemental geocoding and filing services used by banks, credit unions, and mortgage lenders to meet regulatory obligations.

Product overview

RATA Associates provides a unified platform-plus-modules product architecture under the Comply brand for HMDA, CRA, Fair Lending, and Section 1071 (SBL) compliance. The core Comply HMDA/CRA/SBL platform handles data import, FFIEC filing, and regulatory submission. Surrounding modules include Comply Fair Lending for statistical ECOA testing, Comply Peer-2-Peer for benchmarking, Comply DataMine for analytics and reporting, Comply Mapping for geographic visualization, and Comply SBL (1071) for small business lending. Supporting services include ZOOM Geocoder and Geocoding (with 95%+ accuracy), FCC Form 477 filing, and RATA Hosted Services as the FedRAMP-Certified cloud hosting layer for the entire suite.

Differentiator

Problem solved

Functional benefit

Brands

• Comply: Software suite including Comply HMDA/CRA/SBL, Comply Fair Lending, Comply Peer-2-Peer, Comply DataMine, Comply Mapping, Comply SBL (1071)
• ZOOM Geocoder
• RATA Hosted Services

Products and services

• Comply HMDA/CRA/SBL Flagship RATA Comply platform for HMDA, CRA, and Small Business Lending data collection, edit checking, geocoding, LAR review, and regulatory submission. Used by banks, savings institutions, credit unions, and mortgage lenders to meet federal reporting obligations.
• Comply Fair Lending Fair Lending analysis software for automated fair lending risk assessment, redlining analysis, peer analysis, and regression-based disparate impact testing of lending portfolios. Used by financial institutions to support compliance with ECOA and fair lending regulations.
• Comply SBL (1071) Small Business Lending compliance software supporting Section 1071 (CFPB) data collection, demographic capture, and reporting for covered financial institutions originating small business credit.
• Comply Peer-2-Peer Peer analysis and benchmarking module that compares an institution's HMDA, CRA, and SBL data against aggregated peer lender data to support fair lending reviews and CRA performance evaluation.
• Comply DataMine Ad hoc data analysis and reporting module that queries the Loan Application Register for trend analysis, custom reporting, and demographic/geographic drill-downs.
• Comply Mapping
• ZOOM Geocoder
• Geocoding Services
• FCC Form 477 Filing Service
• RATA Hosted Services

Quantifiable outcome

• 95%+ geocoding accuracy
• +2 more outcomes

Named customers6 records

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature8 records

Partnerships

One partnership is on record.

• MicrosoftcoreTechnology or IntegrationRATA Associates is a Microsoft Partner, leveraging Microsoft Azure cloud infrastructure for its FedRAMP-Certified cloud platform (RATA Hosted Services). The Azure platform provides the foundation for delivering Comply software with enterprise-grade security, automatic updates, and daily backups.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Wolters Kluwer: Wolters Kluwer's OneSumX for Regulatory Reporting and TLM suite provide HMDA, CRA, and Fair Lending compliance to banks and credit unions — directly competing with RATA Comply on core regulatory workflows, geocoding, and submission, with a much larger installed base across global banks.
• ComplianceEase (Altisource): ComplianceEase's ComplianceAnalyzer is one of the most recognized HMDA, QM, and fair lending compliance platforms in the U.S. mortgage market, competing head-to-head with RATA Comply for non-depository lenders and banks needing QC and regulatory reporting.
• ACES Quality Management: ACES provides HMDA, CRA, and fair lending compliance and quality control software to banks and mortgage lenders, with automated audits and benchmarking — directly overlapping RATA's Comply HMDA/CRA/SBL and Fair Lending modules.
• MeridianLink: MeridianLink's lending platform includes compliance workflows for HMDA and lending data reporting used by credit unions and banks, positioning it as a competing origination-plus-compliance stack versus RATA's standalone compliance layer.
• Mortgage Cadence: Mortgage Cadence (an Accenture company) offers enterprise mortgage origination technology with integrated HMDA and regulatory compliance functionality, competing with RATA for compliance-critical workflows inside larger lenders.

Broad incumbents

• ICE Mortgage Technology: ICE Mortgage Technology (formerly Ellie Mae / Black Knight) is the dominant U.S. mortgage origination technology provider whose Encompass LOS embeds HMDA and compliance features — a broad incumbent that competes with RATA for compliance attention inside the largest lender base.
• Jack Henry: Jack Henry & Associates provides core banking, lending, and regulatory compliance software to community banks and credit unions, with HMDA/CRA reporting capabilities that compete with RATA Comply across the same depository customer segments.
• Fiserv: Fiserv offers a broad bank technology and regulatory reporting portfolio including lending compliance modules, serving many of the same U.S. banks and credit unions that buy RATA Comply for HMDA, CRA, and Fair Lending workflows.
• Finastra: Finastra's lending and regulatory reporting solutions serve global and U.S. banks with HMDA-style reporting and compliance tooling, providing a broader-suite alternative to RATA's specialized Comply platform for large financial institutions.
• Temenos: Temenos provides core banking and regulatory compliance software to banks worldwide, including analytics and reporting modules that compete for the same compliance budgets as RATA, particularly among larger or internationally active banks.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks3 records

Key highlights6 records

Customer concentration

• Xx.com/rataassociates

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about RATA Associates