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Datasets:
retrogradespace
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hmda_2024

Tasks:
Tabular Classification
Tabular Regression
Modalities:
Text
Formats:
parquet
Languages:
English
Size:
10M - 100M
Tags:
finance
mortgage
fair-lending
hmda
government
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pandas
Polars
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metadata 
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 — 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 

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.