In accordance with the teachings described herein, computer-implemented lending analysis systems and methods are provided. A pre-processing module may be used to organize loan applicant data into a plurality of applicant groups based on one or more demographic factors, wherein a protected class is identified from the plurality of applicant groups. An index generation module may be used to calculate a plurality of disparity indices for the protected class by comparing lending-related data for the protected class with lending-related data for one or more control groups selected from the applicant groups. An indicator generation module may be used to calculate one or more singular indicators for the protected class by comparing the disparity indices with one or more reference indices. The indicator generation module may be further used to calculate a global indicator as a function of a plurality of singular indicators.