HMDA Mortgage Lending Data - Loan-Level Records

Every loan application record in the public HMDA register, 2018-2025: 12,043,253 records for 2024 alone across all 50 states, DC and the territories HMDA covers. One state or county slice per query. Search by lender, state, county, census tract, action taken, loan type or purpose, race, ethnicity, sex, denial reason, amount or rate - or roll the slice up by a chosen dimension.

Low cost

From $0.00005 per record, down to $0.00003 at Gold

Pay only for the records you receive. A 50-record search costs $0.0025 at the entry tier.

What is in a record

One row per application record, with the HMDA decision, loan, cost, property, borrower-profile and tract fields:

• Geography - state, county FIPS, 11-digit census tract, MSA/MD
• Lender - 20-character LEI
• Decision - action taken (originated, approved not accepted, denied, withdrawn, incomplete, purchased, preapproval outcomes), denial reasons 1-4, preapproval
• Loan - type (conventional / FHA / VA / USDA), purpose (purchase, improvement, refinance, cash-out), lien status, amount, LTV, interest rate, rate spread, HOEPA status, term, intro rate period, negative amortization, interest-only, balloon, other non-amortizing features
• Costs - total loan costs, points and fees, origination charges, discount points, lender credits
• Property - value, construction method, occupancy type, total units, manufactured-home flags, multifamily affordable units
• Borrower profile - derived race, ethnicity and sex (including joint and not-available categories), age band, age above 62, income, debt-to-income band, credit score model and AUS results 1-5
• Tract context - tract population, minority population percent, MSA median family income, tract-to-MSA income percentage, owner-occupied units, 1-4 family homes, median housing age

No applicant names and no street addresses: geography stops at census tract.

Search

{
  "year": 2024,
  "state": "TX",
  "county": "48201",
  "actionTaken": "1",
  "loanType": "1",
  "maxResults": 500
}

Returns originated conventional loans in Harris County, Texas for 2024.

Filters the export applies directly: actionTaken, loanType, loanPurpose, constructionMethod, totalUnits. Additional filters applied to the stream: lenderId (exact LEI), censusTract, race, ethnicity, sex, denialReason, minAmount, maxAmount, minInterestRate, maxInterestRate.

totalMatched is the authoritative count when the query covers a whole state-year with no extra filters. For narrower queries it reports the matched count when the slice was read to the end, and is left blank when the run stopped at maxResults before the end.

Aggregate

Set mode: "aggregate" and pick a groupBy:

{
  "year": 2024,
  "state": "CA",
  "mode": "aggregate",
  "groupBy": "race",
  "actionTaken": "1"
}

Returns one row per group with groupCount and groupAmount (total loan dollars) plus totalMatched. Dimensions: actionTaken, loanType, loanPurpose, race, ethnicity, sex, stateCode, countyCode, lenderLei, denialReason1, applicantAge, dwellingCategory, purchaserType, constructionMethod, totalUnits, activityYear.

A rollup that would exceed 5,000 groups fails loudly instead of returning a truncated list.

Coverage and freshness

2018 through 2025, published by the CFPB from the HMDA data submitted by lenders each spring.

Year	Records (national)
2024	12,043,253

Counts are checked against a stable per-year floor before any download; a collapsed or restructured export fails the run instead of returning partial data.

Notes

• The export selects a state or a county slice. For multi-state work, run one query per state.
• Coded filters use HMDA codes: action taken 1-8, loan type 1-4, loan purpose 1 / 2 / 31 / 32 / 4 / 5, construction method 1-2.
• Amount and interest-rate bounds are applied while streaming, so a very selective query still reads the state slice once. Keep maxResults modest for narrow filters.