HMDA Mortgage Data - Home Loan Applications by Lender & State

Search the Home Mortgage Disclosure Act (HMDA) database from the Consumer Financial Protection Bureau (CFPB). Access 30+ million annual mortgage application records with loan amounts, interest rates, property values, denial reasons, and borrower demographics.

Use Cases

• Mortgage lenders -- analyze competitor lending patterns by geography and product type
• Real estate investors -- identify lending trends and property values by census tract
• Compliance teams -- monitor fair lending practices and denial rate patterns
• Market researchers -- track mortgage origination volumes, rates, and loan sizes
• Data journalists -- investigate lending disparities by demographics and geography
• Fintech companies -- build mortgage market intelligence products

Features

• Filter by state, county (FIPS code), year, and lender (LEI)
• Filter by action taken (originated, denied, withdrawn)
• Filter by loan type (conventional, FHA, VA, USDA) and purpose (purchase, refinance)
• Human-readable decoded values (not raw codes)
• Loan amounts, interest rates, property values, income, debt-to-income ratios
• Borrower demographics (age, ethnicity, race, sex)
• Census tract level geographic detail
• 2018-2023 data available
• No API key required

Output Fields

Each record includes:

Field	Description
activityYear	Reporting year
lei	Lender Legal Entity Identifier
stateCode	State code
countyCode	FIPS county code
censusTract	Census tract
actionTaken	Action taken (originated, denied, etc.)
loanType	Conventional, FHA, VA, or USDA
loanPurpose	Purchase, refinancing, improvement, etc.
loanAmount	Loan amount in dollars
interestRate	Interest rate percentage
loanTerm	Loan term in months
propertyValue	Property value
loanToValueRatio	LTV ratio
debtToIncomeRatio	DTI ratio range
income	Applicant income (thousands)
derivedLoanProductType	Product type (e.g. "Conventional:First Lien")
derivedDwellingCategory	Dwelling type (e.g. "Single Family:Site-Built")
derivedEthnicity	Applicant ethnicity
derivedRace	Applicant race
derivedSex	Applicant sex
applicantAge	Applicant age range
occupancyType	Principal residence, second home, or investment
denialReason	Reason for denial (if denied)

Example Use

Search for all originated conventional mortgages in California for 2023:

{
    "states": "CA",
    "years": "2023",
    "actionsTaken": "1",
    "loanTypes": "1",
    "maxResults": 1000
}

Search for denied FHA loans in Texas and Florida:

{
    "states": "TX,FL",
    "years": "2023",
    "actionsTaken": "3",
    "loanTypes": "2",
    "maxResults": 500
}

Search a specific lender (Wells Fargo) nationwide:

{
    "lei": "B4TYDEB6GKMZO031MB27",
    "years": "2023",
    "maxResults": 2000
}

Data Source

Data comes from the CFPB HMDA Data Browser API, which provides public access to data reported by financial institutions under the Home Mortgage Disclosure Act. This is the same data available at ffiec.cfpb.gov.