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In forceMortgage lending dataLast checked 13 November 2026

Mortgage loan/application register (HMDA LAR)

A regulatory return listed by the Consumer Financial Protection Bureau (CFPB), United States.

Records every mortgage loan and application a covered institution handled in the year, so the public and policymakers can see whether lenders are serving their communities' housing needs and spot lending patterns that could be discriminatory. Source

Official title: Home Mortgage Disclosure Act (HMDA) loan/application register

The facts

Who files
Financial institutions that meet Regulation C's institutional coverage test (generally banks, credit unions and other mortgage lenders over an asset or loan-volume threshold) for loans and applications that meet its transactional coverage test. Source
How often
Annually for every covered institution; additionally, within 60 days of the end of each of the first three calendar quarters, for an institution that reported at least 60,000 covered loans and applications, combined, in the preceding calendar year. Source
Deadline
The annual loan/application register is due by 1 March following the calendar year the data was collected (12 CFR 1003.5(a)(1)(i)). The quarterly register, where it applies, is due within 60 calendar days of the end of the quarter, except the fourth quarter (12 CFR 1003.5(a)(1)(ii)). Source
Format
Flat file. A pipe-delimited text file (.txt). Institutions upload their loan/application register through the HMDA Platform, review the Platform's automated edits and certify the data before submitting it; the CFPB's LAR Formatting Tool turns spreadsheet entries into that pipe-delimited file. Source
How it is filed
Filing routes recorded for the CFPB: HMDA Platform; Collect; Small Business Lending Data Filing Platform (beta). See how firms file with the CFPB.
Status
In force
Legal basis
Group
Mortgage lending data

Templates (0)

The library lists no templates for this return.

A single annual or quarterly loan/application register; not divided into separate schedules. Source

Validation rules

The CFPB publishes the checks it runs on this return. They could not be counted from the published material. They are written for people to read; software cannot run them as published. Source

The HMDA Platform runs published edit checks live as a filer uploads and reviews its register, and the Bureau's Filing Instructions Guide documents them, but ffiec.cfpb.gov is a JavaScript application whose pages returned no readable text to a plain request, so the catalogue itself could not be read directly this round.

The rules, on ffiec.cfpb.gov

Counts are in the CFPB's own unit, so they are not comparable with other regulators' counts.

Public data

Published firm by firm. The Bureau publishes a modified version of the data, by institution, each year. Source

Where it is published

  • HMDA data

    Firm by firm · Flat file

    Modified loan-level mortgage data for every covered institution, published each year, plus historical data back to 2007. Source

Official documents (3)

The CFPB's own files, with the size and SHA-256 fingerprint of each as downloaded on 13 November 2026, so anyone can tell whether a copy is the same version.

  • Mortgage data (HMDA)

    Guidance · HTML · 140.9 KB

    Confirms HMDA is implemented by Regulation C and that institutions use the HMDA Platform to upload, review edits on, certify and submit their loan/application register.

  • Home mortgage disclosure reporting requirements (HMDA)

    Guidance · HTML · 158.1 KB

    Links Regulation C's institutional and transactional coverage charts and the Filing Instructions Guide used to prepare a HMDA submission.

  • 12 CFR Part 1003, Home Mortgage Disclosure (Regulation C) (2025 annual edition)

    Legal text · PDF · 494.6 KB · 1 January 2025

    Section 1003.5 sets the annual (1 March) and, for large-volume filers, quarterly (60-day) HMDA reporting deadlines relied on here.

    SHA-256 98bcadadff35show in full98bcadadff353ee449bfb0ce723d0e7483c9af4858a26fa511cf01050e5c4630

Sources

Every page and document this return's facts were read from.

Knowing exactly what is collected, in what format and under which rules is the first step to real-time supervision. Line4 builds SupTech software for financial regulators that runs checks like these as each return arrives.

Line4's own text, and the way Line4 has collected and arranged these records, are free to reuse under CC BY 4.0. Please credit: “Source: Line4 regulatory submissions library (CC BY 4.0), https://www.line4.ai”. The facts themselves belong to no one. The regulators' document titles, template names, quoted terms and documents belong to them and are not covered by this licence: see CFPB's reuse terms. This describes what regulators publish. It is not legal or regulatory advice: always rely on the regulator's own text. Not affiliated with or endorsed by any regulator.

Last checked 13 November 2026.