Datasetpublic

retrogradespace/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… See the full description on the dataset page: https://huggingface.co/datasets/retrogradespace/hmda_2024.

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Dataset Card

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 — 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, 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 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 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.