---
license: cc0-1.0
task_categories:
- tabular-classification
- tabular-regression
language:
- en
tags:
- finance
- mortgage
- fair-lending
- hmda
- government
size_categories:
- 10M<n<100M
pretty_name: hmda_2024
---

# HMDA 2024 (Home Mortgage Disclosure Act)

Full-year 2024 loan application register (LAR) data released under the Home
Mortgage Disclosure Act (HMDA), re-published here as a single Parquet file for
convenient loading with the `datasets` library.

## Dataset summary

- **Rows:** 12,229,298 loan application records
- **Columns:** 99 (the full public LAR field set — property, applicant,
  underwriting, and pricing information)
- **Format:** Parquet (`hmda_2024.parquet`)
- **Source:** [Consumer Financial Protection Bureau (CFPB) HMDA Data
  Browser](https://www.consumerfinance.gov/data-research/hmda/) —
  unmodified public loan-level data for the 2024 activity year.

This dataset is a straight re-publication of CFPB's public HMDA LAR file for
2024, provided here for reproducibility of the analysis in
[retrogradespace/HMDA_2024_MortgageProfiles](https://github.com/retrogradespace/HMDA_2024_MortgageProfiles),
an exploratory look at mortgage approval and pricing differences by derived characteristics.

## Usage

```python
from datasets import load_dataset

dataset = load_dataset("retrogradespace/hmda_2024", split="train")
```

## Key columns

A curated subset of commonly used fields (see the full HMDA field list in the
[CFPB HMDA documentation](https://www.consumerfinance.gov/data-research/hmda/)
for the remaining columns):

| Column | Description |
|---|---|
| `derived_sex` | Applicant sex category as reported in HMDA |
| `derived_ethnicity` | Applicant ethnicity category as reported in HMDA |
| `derived_race` | Applicant race category as reported in HMDA |
| `loan_to_value_ratio` | Loan-to-value ratio |
| `debt_to_income_ratio` | Debt-to-income ratio |
| `rate_spread` | Rate spread value |
| `interest_rate` | Interest rate value |
| `loan_amount` | Loan amount |
| `occupancy_type` | Occupancy type of the property |
| `loan_type` | Loan type |
| `loan_purpose` | Loan purpose |
| `action_taken` | Action taken on the application |

Values may include categories such as `Not Available` or `Joint` and may need
filtering before analysis. Review the [official HMDA field
documentation](https://www.consumerfinance.gov/data-research/hmda/) for full
definitions and any changes across reporting years.

## License

This dataset consists of unmodified public government data (HMDA data made
available by the CFPB) and is released here under CC0 1.0 Universal (public
domain), matching the license of the companion analysis code.

## Citation

Retrograde Space. (2024). HMDA 2024. Hugging Face Datasets.
https://huggingface.co/datasets/retrogradespace/hmda_2024

Original data: Consumer Financial Protection Bureau, Home Mortgage Disclosure
Act (HMDA) data, 2024.