HMDA Mortgage Loan Applications & Lending Data Scraper

Stream official Home Mortgage Disclosure Act loan/application register data from the FFIEC/CFPB HMDA Data Browser into an Apify dataset. The nationwide annual files contain millions of records and expose lending activity by reporting institution, geography, product, action, amount, pricing, property and census-tract context.

The Actor uses the first-party CSV endpoint, processes rows as they arrive and cancels the multi-gigabyte upstream transfer when maxResults is reached. No API key, browser or proxy is required.

Buyers and use cases

• Mortgage lender and fintech market-share analysis.
• Housing, origination and denial trend research.
• Fair-lending, CRA and geographic access analysis.
• Real-estate, appraisal and property-finance intelligence.
• Lender benchmarking by LEI, product, purpose and geography.

Input

Field	Description
years	Activity years; empty uses the prior year.
states, counties	Source-side geography; county FIPS takes precedence.
loanTypes	Conventional, FHA, VA and USDA/RHS/FSA codes.
actionTaken	Originated, approved, denied and other HMDA action codes.
loanPurposes	Exact HMDA purpose codes.
lienStatuses, occupancyTypes	Loan/property filters.
institutionLeis	Exact reporting financial institution identifiers.
minLoanAmount, maxLoanAmount	Loan amount range in USD.
minIncome, maxIncome	Applicant income range in USD.
maxResults	Up to 500,000 records per run.

{
  "years": ["2025"],
  "states": ["CA"],
  "loanTypes": [1, 2, 3, 4],
  "actionTaken": ["1"],
  "occupancyTypes": ["1"],
  "minLoanAmount": 300000,
  "maxResults": 50000
}

Output

{
  "activityYear": 2025,
  "financialInstitutionLei": "549300HW662MN1WU8550",
  "stateCode": "CA",
  "countyCode": "06065",
  "censusTract": "06065040616",
  "loanProductType": "Conventional:First Lien",
  "dwellingCategory": "Single Family (1-4 Units):Site-Built",
  "actionTaken": 1,
  "loanAmount": 345000,
  "propertyValue": 420000,
  "incomeThousands": 119
}

Output also includes pricing and cost fields, term, occupancy, demographics derived by HMDA, denial reason and census-tract population/income context. Values such as NA and Exempt are normalized to null.

Scale

The 2024 nationwide endpoint is approximately 4.6 GB as CSV. The Actor stops reading when the requested number of matching rows has been saved. Client-side filters that match rare records may scan substantially more source rows, so use state, county and institution filters when possible. Segment more than 500,000 outputs by year or geography.

API and integrations

Run with Apify Console, REST API, JavaScript, Python or MCP. Export JSON, JSONL, CSV, Excel, XML and RSS and connect schedules, webhooks, Make, Zapier, Sheets, databases and BI platforms.

curl -X POST "https://api.apify.com/v2/acts/logiover~hmda-mortgage-loan-applications-scraper/runs?token=YOUR_TOKEN" \
  -H "Content-Type: application/json" \
  -d '{"states":["TX"],"actionTaken":["1"],"maxResults":10000}'

FAQ

Does it require a CFPB key? No.

What does empty input do? It exports all loan types nationwide for the prior activity year, up to the default result limit.

Does it contain borrower names or addresses? No. Public HMDA loan-level data is modified to protect applicant privacy.

What are the demographic fields? Public HMDA attributes used for aggregate fair-lending and market analysis. They must not be used to identify or target individuals.

Why is an amount or rate null? The source may report NA, Exempt or another non-numeric status.

Responsible use

This Actor is not affiliated with or endorsed by FFIEC or CFPB. HMDA public data is designed for aggregate analysis and contains privacy modifications. Do not attempt re-identification or use records for individual credit, housing, eligibility or discriminatory targeting decisions. Follow fair-lending, privacy and consumer-protection law.

Changelog

2026-08-05

• Initial official HMDA loan/application exporter.
• Added multi-gigabyte CSV streaming, geographic and lender segmentation, normalized lending/property fields and commercial filters.
• Verified live default, semantic filter and high-volume output behavior.