To register your financial institution on the HMDA Filing Platform you will need to provide your institution name, Legal Entity Identifier (LEI), tax ID number, email domain (example: @cfpb.gov), and agency code. Registration is a two-step process. You must create a filer account and register your institution in the system.
You can register your financial institution here: https://hmdahelp.consumerfinance.gov/accounthelp/. Do not use a personal email address to register for an account. The HMDA Filing Platform is designed to authenticate users based upon a financial institution’s registered email domain. If you do not have an email address within your financial institution's email domain, contact HMDA Help.
Every institution that files a HMDA submission will be required to obtain a LEI for their submission whether they are exempt or not. The website for the Global LEI Foundation (GLEIF) provides a list of LEI issuing organizations at https://www.gleif.org/en/about-lei/get-an-lei-find-lei-issuing-organizations. A financial institution may obtain an LEI, for HMDA reporting purposes, from any one of the issuing organizations listed on the website. For general information on the “LEI,” see section 5.2 of the HMDA Small Entity Compliance Guide, and Regulation C, 12 CFR §§ 1003.4(a)(1)(i)(A), effective January 1, 2018, and 1003.5(a)(3)(vii), effective January 1, 2019.
Institutions should provide one of the following agency codes:
| Tips |
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| ▸ Select 7 - HUD for non-depository institutions that are not affiliated with a depository institution. |
| ▸ Do not select 9 - CFPB unless your institution is regulated by the CFPB or affiliated with an institution regulated by the CFPB. |
For additional information, please review Appendix J of the Getting It Right Guide, which details how the appropriate federal agency is determined.
The Bureau hosts the HMDA Beta Filing Platform (https://ffiec.beta.cfpb.gov/) where you can submit HMDA data in a sandbox environment (a non-production system designed for application testing) prior to the official filing period. This gives you an early opportunity to prepare your data, review and resolve edits, as well as identify and correct formatting errors. Data submitted to the HMDA Beta Filing Platform is not retained by the Bureau, or any other regulatory agency.
You can use the Filing Instructions Guide (FIG) applicable to the year you are filing data for. Filing Instructions Guides for each year can be found on the home page of https://ffiec.cfpb.gov/, under the “Guides for HMDA Filers” section.
The Excel LAR Formatting Tool assists institutions that are not using their own vendor software in formatting their LAR files correctly. In order to successfully use the tool, Excel macros need to be enabled; please work with your IT department if this is not the case. Additionally, institutions should take note of the annotations that appear when hovering over each cell. These annotations describe what values can be included in each cell. The first tab of the tool entitled “Resources” gives instructions on use.
The Online LAR Formatting Tool is another tool that can assist institutions that are not > using their own vendor software. The tool is intended to help financial institutions, typically those with small volumes of > covered loans and applications, to create an electronic file that can be submitted to the HMDA Platform.
The File Format Verification Tool is a resource for testing whether your file meets certain formatting requirements specified in the HMDA FIG, specifically that the file
The FFVT does not allow you to submit HMDA data.
The Rate Spread calculator allows institutions to enter their loan data manually, or upload a CSV file of loan information that will help calculate the rate spread.
The Check Digit tool can be used to either generate check digits or validate ULIs.
If you are having issues uploading a new file and are receiving errors from a previous upload, please:
Additionally, if you are using Internet Explorer, we have found that filers have fewer browser caching issues using Google Chrome. The time required to upload may vary depending on the size of your institution’s LAR(s). In some cases, very large files can take a day to fully upload. Be sure to allocate enough time for the upload process to complete prior to the filing deadline. Do not refresh or close the browser window while the file is uploading. If you continue to experience timeouts or other upload errors, we recommend ensuring that the following URLs are whitelisted in your digital loss prevention software to allow for the transfer of HMDA files:
If using two separate systems to create your LAR File, please combine all entries into one file. Uploading a new file will overwrite the first file uploaded.
As stated in Section 1003.5(a)(1)(iii) when the last day for submission falls on a Saturday or Sunday, a submission shall be considered timely if it is submitted on the next succeeding Monday. For example, submissions of 2019 HMDA data were considered timely if received on or before Monday, March 2, 2020.
The Annual filing period is between January 1 and March 1 of each year. The HMDA Filing Platform for each filing period opens January 1st. The submission deadline is March 1st.
Upon signing and submitting your file, an email confirming your submission will be sent to the email address on file. Additionally, when you log into your account, you should see a message stating:
"Your submission has been accepted. This completes your HMDA filing process for this year. If you need to upload a new HMDA file, the previously completed filing will not be overridden until all edits have been cleared and verified, and the new file has been submitted."
Below that message is a button that says 'View Completed Filing'. Select that and you will see the date and timestamp your file was accepted along with a receipt number for the submission.
The HMDA Beta Filing Platform is open throughout the year to test your HMDA data.
Annual HMDA data submissions for the filing year are considered timely when completed between January 1st and March 1st. The HMDA Platform remains open for late submissions or resubmissions after March 1.
Quarterly HMDA Data submissions are separated into three quarters, with an on-time filing period and a late submissions period.
Beginning January 1, 2020, the 2015 HMDA Final Rule requires quarterly reporting for financial institutions that reported a combined total of at least 60,000 applications and covered loans, excluding purchased covered loans, for the preceding calendar year. Thus, in addition to their annual data submission, these larger-volume reporters will submit HMDA data for each of the first three quarters of the year on a quarterly basis. Further information can be found in Regulation C, 12 CFR 1003.5(a)(1)(ii).
In order to resubmit, please log into the HMDA Filing Platform. The corrected file that you upload will overwrite the old file.
If you wish to explain the circumstances surrounding a late submission, contact your federal HMDA supervisory agency.
If the Action Taken is 4, 5, or 6, an institution should report 8888 in the Credit Score of Co-Applicant or Co-Borrower data field and 9 in the Co-Applicant or Co-Borrower, Name and Version of Credit Scoring Model data field, regardless of whether there is a Co-Applicant for the record(s).
Please note that the fields 'Ethnicity of Applicant or Borrower 1-5' and 'Race of Applicant or Borrower 1-5' are for up to 5 ethnicities/races of the first applicant. For any co-applicant ethnicities/races, please enter values in the fields 'Ethnicity of Co-Applicant or Co-Borrower 1-5' or 'Race of Co-Applicant or Co-Borrower 1-5'.
Your county code is a 5 digit number that combines state and county codes. Your census tract should be an 11 digit number. Your census tract combines the 2 digit state, 3 digit county, and 6 digit tract code (with no decimal). The FFIEC census tool and FFIEC geocoder can assist in providing the correct state, county and census tract combinations.
For example, in the case of Baldwin County, Alabama, the 2 digit state code would be 01 and the 3 digit county code would be 003. Therefore, the reported county code would be 01003. In the case that the 6 digit tract code selected is 020100, the combined census tract code would be 01003020100.
The precision of the calculated LTV should be rounded to match the decimal precision of the CLTV.
For example, take a calculated LTV (loan amount/property value) of 75.4025 and a reported CLTV of 75. The calculated LTV will round down to 75. In the case that the reported CLTV is 75.4, the calculated LTV will down down to 75.4.
Each year thousands of financial institutions report data about mortgages to the public, under the Home Mortgage Disclosure Act (HMDA). We provide the data collected under HMDA from 2007-2017 for download here.
For further questions, please email hmdahelp@cfpb.gov. Note that HMDA Help only operates via email.
