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Highlights |
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Maptitude: A GIS Software Solution for Banking |
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FIGURE 1:This map of Home Mortgage Disclosure Act (HMDA) loan
data for the Chicago area shows census tracts shaded by the average loan
application amount. The pie charts on each tract are scaled by the number of
loan applications, and show the portions of loans that were originated and
denied.
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FIGURE 2: By examining your branch locations, the locations
of competitors, and demographic characteristics, you can identify areas
worthy of expansion or determine market share.
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FIGURE 3: The ZIP
Codes shown in this map contain a color theme of the number of mortgage
refinances and the bar charts show the monthly mortgage costs for all
owner-occupied housing units. ZIP Codes with the highest market potential
have been highlighted.
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FIGURE 4:This map highlights all of the customers who are
within 2 miles of new bank branches. You can create mailing labels of these
customers to use with a direct mail campaign to inform them of their new
options. |
Maptitude is the ideal mapping software for use within the banking industry. GIS is
a critical tool in today's banking environment, where there is increased competition both
from existing and new banks, as well as from new companies such as Internet and phone
banks, and from retail-based incursions into traditional financial markets.
Maptitude provides those in the banking and financial industry with the geographical
tools to obtain the answers to compete effectively, and to ensure compliance and customer
service levels.
Maptitude provides powerful spatial tools for:
• Regulatory compliance
• Bank and ATM site analysis
• Bank network competitiveness/optimization
• Customer management, identification, and targeting
• Direct mail
• Auditing
• Web-based solutions
Regulatory Compliance
GIS is critical in enabling banks to comply with government requirements such as the
Home Mortgage Disclosure Act. You can use your own lending data with Maptitude to create
CRA maps that verify HMDA compliance and non-discriminatory lending practices.
In addition, Caliper offers
HMDA datasets that contain records for all the loan
applications processed by every financial institution required to file by HMDA. These data
are available for every year from 1990-2002 thus allowing time series analysis, and are
also available as a geographic layer aggregated by Census Tract (See Figure 1).
Site Analysis
Using Maptitude you can visually simplify the weighing of the pros and cons of
different sites for branches and ATMs. You can pinpoint where your customers, facilities,
and competitors are with powerful address locating and database management and query tools
(See Figure 2). You can then examine the demographic characteristics of your customers with
the included Census data. Provided with this knowledge you can identify underserved areas,
analyze your competitor's market, and create an acceptable branch and ATM network.
Customize Your Message to a Targeted Audience
Use your own data, the Census demographic data, or the HMDA data to identify the
market areas, communities, or ZIP Codes that have particular characteristics so you can
target your marketing efforts.
For example, you can identify ZIP Codes with high mortgage costs to target an
advertising campaign about your refinancing mortgage programs (See Figure 3), or find the
customers who are within several miles of a new branch or ATM location for a specialized
mailing to inform them about their new banking options (See Figure 4).
The Data You Need
In addition to the extensive Census data included with Maptitude that covers
economic, housing, social, and demographic variables, there are many additional datasets
available from Caliper. These include:
• Community Reinvestment Act compliance results
• Home Mortgage Disclosure Act (HMDA) Loan Application Register (LAR) Raw Data
CLICK HERE to learn more about
Maptitude.
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