Data Analyst, Home Lending HMDA

At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence.

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. Our platform runs over one million predictions per borrower using more than 1,800 signals, powering smarter, fairer decisions for millions of customers. 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.

We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. 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.

If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you.

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.

• 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.

• 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.

• 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.

At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect:

• 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!)

For roles based in Canada, please note that we are not currently able to hire in Quebec.

Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices.

If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com

https://www.upstart.com/candidate_privacy_policy