The CFPB recently announced the publication of the Home Mortgage Disclosure Act (HMDA) Modified Loan Application Data for 2023. The data is available on the Federal Financial Institutions Examination Council (FFIEC) website. As was the case with the 2022 HMDA data, in addition to institution-specific modified Loan Application Register (LAR) files, users can download one combined file that contains all institutions’ modified LAR data.
For privacy reasons, certain data in actual LARs of reporting institutions is removed or modified. To assist the public with the review of HMDA data, the CFPB publishes A Beginner’s Guide to Accessing and Using Home Mortgage Disclosure Act Data.
Consistent with additional 2022 HMDA data information provided by the CFPB, the CFPB advises as follows regarding the future release of additional 2023 HMDA data:
“Later this year, the 2023 HMDA data will be available in other forms to provide users insights into the data. These will include nationwide loan-level datasets with all publicly available data for all HMDA reporters; aggregate and disclosure reports with summary information by geography and lender; and access to the 2023 data through the HMDA Data Browser to allow users to create custom datasets, reports, and data maps. The CFPB will later also publish a Data Point article highlighting key trends in the annual data.”
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