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Home Mortgage Disclosure Act (HMDA) Documentation

website·Indexed 39 days ago

https://ffiec.cfpb.gov/documentation/

Technical documentation and resources for HMDA reporting, including the Federal Reporting Instruction Guide (FIG), Modified Loan Application Register (MLAR) data dictionaries, and file specifications. Provides guidance on the LAR Formatting Tool (LARFT), File Format Verification Tool (FFVT), and APIs for rate spreads, user attributes, and data browser endpoints.

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What's inside HMDA

  2. Overview of the 2025 HMDA Filing Instructions Guide (FIG)

    The 2025 Filing Instructions Guide (FIG) is the primary resource for institutions filing annual Home Mortgage Disclosure Act (HMDA) data collected in 2025 with the Consumer Financial Protection Bureau (CFPB) in 2026. Filing data with the Bureau is deemed a submission to the appropriate Federal agency for all data collected in or after 2017.

  3. Overview of the 2024 HMDA Filing Instructions Guide (FIG)

    The 2024 Filing Instructions Guide (FIG) is the primary resource for financial institutions filing annual Home Mortgage Disclosure Act (HMDA) data collected in 2024 with the Consumer Financial Protection Bureau (Bureau) in 2025. The guide is divided into four main functional areas:

    1. Changes to the Submission Process: Summarizes updates to how data is filed.
    2. File Specifications: Details valid values, loan/application register formatting, and filing procedures.
    3. Data Specifications: Provides specific instructions on what information must be entered into each data field of the loan/application register, based on Regulation C and the 2015, 2017, and 2018 HMDA Rules.
    4. Edit Specifications: Lists the required data edits that institutions must perform on HMDA data before submission to the Bureau.

  4. Understand Quarterly Graphs and Filer Requirements

    The Quarterly Graphs provide an aggregated view of quarterly filers for the current filing year. A financial institution is required to be a quarterly filer if it reported a combined total of at least 60,000 applications and covered loans (excluding purchased covered loans) for the preceding calendar year.

    Note: The institutions and aggregate record data displayed are limited to those designated as quarterly filers for the current calendar year. Consequently, historic data are altered to reflect only current quarterly filers and are not static.

  5. Identify the dataset source for the HMDA Data Browser

    The HMDA Data Browser tools (Dataset Filtering, Maps, and Graphs) always use the latest available static dataset (Three Year, One Year, or Snapshot) for the selected year to ensure the information is as up-to-date as possible. As new datasets are published annually, the Data Browser is updated accordingly.

  6. Retrieve detailed information for a specific edit

    Get detailed information about a specific edit code, including the specific rows and fields that triggered the edit.
    curl -X GET \
  "https://ffiec.cfpb.gov/v2/filing/institutions/B90YWS6AFX2LGWOXJ1LD/filings/{{year}}/submissions/24/edits/Q631" \
  -H 'Authorization: Bearer {{access_token}}'

  7. Understand the 2022 Filing Instructions Guide (FIG) components

    The FIG consists of four primary resource sections to assist in filing annual HMDA data:

    • Changes to the Submission Process: Summarizes updates to how data is filed.
    • File Specifications: Details valid values, loan/application register formatting, and filing procedures.
    • Data Specifications: Provides instructions on what to enter into each specific data field.
    • Edit Specifications: Lists the required edits that must be run on data before submission.

  8. Understand the components of the 2026 HMDA Filing Instructions Guide (FIG)

    The 2026 FIG is the primary resource for filing annual HMDA data collected in 2026 (to be submitted in 2027). It consists of four main sections:

    • Changes to the Submission Process: Summarizes updates to how data is filed.
    • File Specifications: Details valid values, loan/application register (LAR) formatting, and filing procedures.
    • Data Specifications: Provides instructions on what to enter into each specific data field of the LAR.
    • Edit Specifications: Lists the required data edits that financial institutions must perform before submitting data to the Bureau.

  9. Understand the 2021 FIG specification types

    The Filing Instructions Guide (FIG) consists of three primary specification types:

    • File Specifications: Covers valid values, loan/application register formatting, and filing procedures.
    • Data Specifications: Provides detailed instructions on what to enter into each specific data field in the loan/application register.
    • Edit Specifications: Lists the required edits that financial institutions must run on data before filing with the Bureau.

  10. Access HMDA Platform files via S3 and GitHub

    Depending on the file type, the HMDA Platform uses different delivery services:

    • GitHub: Used for documentation markdown files, hosted in the hmda-frontend repository.
    • S3: Used for all other files (e.g., National Loan-Level Datasets, Disclosure Reports, Aggregate Reports). These files are accessed via public S3 links prefixed with https://files.ffiec.cfpb.gov/.

  11. Retrieve the Latest Submission details

    Returns details about the most recently created Submission, including its sequenceNumber and current status.
    curl -X GET \
  "https://ffiec.beta.cfpb.gov/v2/filing/institutions/B90YWS6AFX2LGWOXJ1LD/filings/{{year}}/submissions/latest" \
  -H 'Authorization: Bearer {{access_token}}'

  12. Access the Rate Spread Calculator and APOR Data Tables

    The Rate Spread Calculator is used for HMDA reportable loans with a final action date on or after January 1st, 2018. The calculator relies on Average Prime Offer Rates (APOR) Tables, which are updated weekly and available as text files for both fixed and adjustable rates.

    Fixed Rates Table: https://files.ffiec.cfpb.gov/apor/YieldTableFixed.txt Adjustable Rates Table: https://files.ffiec.cfpb.gov/apor/YieldTableAdjustable.txt Calculator Tool: https://ffiec.cfpb.gov/tools/rate-spread