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In forceConsumer protection (mortgage lending data)Last checked 13 November 2026

Home Mortgage Disclosure Act loan application register (FR HMDA-LAR)

A regulatory return listed by the Board of Governors of the Federal Reserve System (Federal Reserve Board), United States.

A yearly register of applications for mortgage and home-improvement loans and what happened to each one. It is used to judge whether lenders meet the housing credit needs of their communities, to point to neighbourhoods for investment, to spot possible discriminatory lending, and to help enforce anti-discrimination law. Source

Official title: The Home Mortgage Disclosure Act/Loan Application Register

The facts

Who files
According to the Board's page (2007): state member banks, the mortgage banking subsidiaries of bank holding companies, and state-exempt institutions, if they receive applications for, originate or buy home mortgage or home-improvement loans or refinancings, and if on 31 December of the year before the institution had assets above $37 million and a home or branch office in a metropolitan statistical area. Source
How often
Annual, covering a calendar year. Source
Deadline
Not stated on the Board's page. Source
Format
Other. Not stated on the Board's page, which links to the FFIEC website for the form and instructions. Source
How it is filed
Filing routes recorded for the Federal Reserve Board: Reporting Central; Structure Central. See how firms file with the Federal Reserve Board.
Status
In forceThe Board's page for this report was last updated on 19 December 2007. It links to the FFIEC website (http://www.ffiec.gov/hmda/) for the form and instructions; the Board does not maintain them. The Board still lists the report under Activities monitoring and does not mark it discontinued. Source
Group
Consumer protection (mortgage lending data)

Templates (0)

The library lists no templates for this return.

The register's layout is published on the FFIEC website, which could not be read (see gaps). Source

Validation rules

No published validation rules were found for this return. Any edit specifications are on the FFIEC website, which could not be read (see gaps). Source

Public data

Published firm by firm. The Board's page states that the FFIEC publishes a disclosure statement for each institution and aggregate reports for each metropolitan statistical area, available to the public from the responding institution and at the area's central depository. Source

Official documents (1)

The Federal Reserve Board'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.

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 Federal Reserve Board'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.

Source: Board of Governors of the Federal Reserve System, https://www.federalreserve.gov. Documents are linked on the regulator's own site, not hosted here. The plain-English summaries are Line4's own; the Board does not endorse this library.

Last checked 13 November 2026.