WASHINGTON, D.C. — Detailed mortgage lending data for 2025 are now publicly available online, giving consumers, researchers, and policymakers expanded access to information about how loans are issued across the country.
What This Means for You
- You can now access detailed mortgage data without contacting individual lenders
- The data can help identify lending trends, approval patterns, and potential disparities
- Researchers and policymakers gain broader tools to analyze housing and credit access
The newly released dataset comes from the Home Mortgage Disclosure Act, a federal law requiring financial institutions to report information about mortgage applications and outcomes. The data are compiled in what is known as a Loan Application Register, or LAR—a database that includes loan-level details such as application outcomes, loan types, and borrower characteristics, with certain modifications to protect privacy.
Expanded Public Access
The 2025 dataset includes submissions from approximately 4,768 financial institutions and is available through the Federal Financial Institutions Examination Council’s HMDA Platform.
For the first time, users can directly access each institution’s annual dataset online. Previously, individuals had to request that information from specific lenders.
The change stems from a federal rule issued by the Consumer Financial Protection Bureau in 2015, which required that HMDA data be made electronically accessible to the public.
What the Data Includes
The published data provide loan-level information, meaning each record reflects an individual mortgage application or loan decision, though personal identifiers are removed or modified to protect consumer privacy.
Users can download data in two ways:
- Individual files for each financial institution
- A combined dataset containing all reported data
Why It Matters
HMDA data are widely used to monitor lending practices, assess access to credit, and identify potential discrimination in mortgage markets.
By making the data easier to access, federal regulators aim to improve transparency and allow for more comprehensive analysis of housing trends nationwide.
Access and Tools
The dataset is available at https://ffiec.cfpb.gov/data-publication/modified-lar.
Users can also consult the Consumer Financial Protection Bureau’s Beginner’s Guide to Accessing and Using HMDA Data for guidance on interpreting and analyzing the information.
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