HMDA loan-level data

HMDA loan-level data reports individual US mortgage applications and purchased loans under Regulation C, one row per application with lender LEI, loan terms, applicant demographics, rate spread and action taken.

Bulk downloads span 2007 through 2025, resolved geographically down to census tract.

In this catalog it appears concretely: - dataset: CFPB Home Mortgage Disclosure Act (HMDA) Data.

A label on a listing is not a deliverable. Teams that license on the strength of a product-name match routinely find the shipped files cover a narrower slice than they assumed, and backfilling history afterwards costs more than the license ever did.

The failure mode is concrete: the label appears in a listing, the delivered files tell a different story, and the gap surfaces mid-project when fixing it is most expensive.

You rarely have to take a vendor's word for it. 82.4% of the 1,744 datasets Datadory catalogs are free to access, and dataset: CFPB Home Mortgage Disclosure Act (HMDA) Data lets you inspect the real artifact before any budget is committed.

Treat every claim of this attribute as testable:

1. Open dataset: CFPB Home Mortgage Disclosure Act (HMDA) Data and compare its listing against the delivered artifact before paying for a commercial equivalent.
2. Pin down update cadence in writing. Across this catalog, 22.6% of 1,744 datasets refresh daily and 64 still arrive only through a manual request form, so ask exactly how fresh each release is.
3. Check whether definitions are verified at all. Field definitions are verified for 1495 of 1,744 datasets (85.7%), and any source you license should meet that bar.
4. Price the delivery route before the license. In this catalog bulk download is the most common access method (725 datasets) ahead of official APIs (574), and 379 sources still require scraping — a maintenance cost that lands on you, not the vendor.

See the term applied to real records: regional-banks data.

Adjacent concepts worth reading next: - census tract granularity - Legal Entity Identifier (LEI) - loan application register - rate spread