Data Analyst, Home Lending HMDA

Upstart

3d•$91,500 - $126,400•Remote

About The Position

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.

Requirements

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.
Excellent analytical, organizational, and problem-solving skills.
Ability to work cross-functionally and manage deadlines in a highly regulated environment.
Proficiency with loan origination, compliance, or data reporting systems.

Nice To Haves

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.

Responsibilities

Manage HMDA and CRA data integrity reviews, including routine monitoring, exception tracking, and remediation.
Coordinate the annual HMDA Loan/Application Register (LAR) and CRA data submission processes.
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.
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.

Benefits

Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly
Retirement benefits to help you plan for the future, including a 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually (USD in the US, CAD in Canada)
Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees (US only)
Comprehensive health coverage designed to support you and your family, including medical, dental, vision, and wellness resources for US and supplemental health coverage for Canada.
Health Savings Account contributions from Upstart for eligible plans (US only)
Income protection benefits, including life insurance and disability coverage for added financial security
Paid time off, sick leave, and company holidays, in line with local requirements
Paid family and parental leave to support caregiving and major life moments (duration varies by country)
Family-centered benefits to support fertility, parenthood, and caregiving needs
Employee Assistance Program (EAP) offering mental health support and life-centered resources
Financial wellness resources, including access to financial planning tools and a financial concierge service (US Only)
Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you
Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from
Connection and community through team events, all-company updates, and employee resource groups (ERGs)
Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our offices in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!)