Case Study: Rockland Trust achieves new loan growth and reduced redlining risk with Ncontracts' Nfairlending

Rockland Trust Uncovers New Opportunities While Reducing Redlining Risk with Nfairlending

Rockland Trust, a growing regional bank underwriting commercial and consumer loans in Massachusetts and Rhode Island, faced increased regulator scrutiny around REMA and the risk of redlining. Using a competitor’s HMDA tool left the compliance team spending all day tweaking formulas and with little time to interpret results, so Rockland Trust turned to Ncontracts’ Nfairlending solution to simplify fair lending analysis and reporting.

Ncontracts’ Nfairlending Redlining Analytics lets Rockland Trust map marketing zip codes against census data, identify undermarketed areas, coordinate with customer success, and run targeted direct mail campaigns while tracking applications and originations. With Ncontracts, Rockland Trust uncovered new loan opportunities, improved exam responses by quickly demonstrating no malicious activity, saved time on analysis, reduced redlining risk, and gained clearer competitor and growth insights.

Rockland Trust

Allen Bernier

Vice President Compliance & Fair Lending Officer