CFPB Issues HMDA Filing Reminders and Tips
As the 2026 Home Mortgage Disclosure Act (HMDA) filing season is in full swing for 2025 data, here are some reminders and tips for preparing and uploading your submission.
Filing Season Dates
The 2026 filing season is now open for HMDA Data submissions. It will close for on-time submissions on Monday, March 2. You can review annual filing season information here.
Rate Spread APOR File Path Changes
An upgrade to the HMDA Platform was performed, and as a result, the fixed, adjustable, and survey table APOR file paths have changed. On January 20, the old APOR file paths will be removed and inaccessible and APOR files will no longer be provided via the AWS S3 public bucket. Please update your bookmarks and integrations to correspond with these changes.
What’s My User Account?
If you are new to filing and do not have an account, please fill out a registration form here. All users logging into the HMDA platform will need to do so via login.gov, which utilizes multifactor authentication (MFA).
Active HMDA Platform Users
Any user accounts that have not logged in to the HMDA platform within the last two years will be disabled at the end of the 2026 filing season. If you would like to receive a list of user accounts associated with your financial institution, please contact HDMA Help.
Multiple User Accounts
Multiple employees from the same institution can create an account on the HMDA Platform. If your institution would like to add additional users to the HMDA Platform, please have them register for an account.
LEI Reminder
Filers must have an LEI, or Legal Entity Identifier, to register with the HMDA Platform and submit HMDA data, and the LEI must relate to the institution covered by Regulation C. An institution may not use an LEI assigned to a parent company, holding company, or other affiliated institution. You can learn more about registering your institution for a LEI here.
“No associated institutions” Message
If you login to the HMDA Platform and receive a message stating “No associated institutions,” please send an email to HDMA Help. They can assist you with adding your institution to your account so you are able to complete your filing.
Reporting Street Address
When reporting street address (Field 13), please ensure that you are following the reporting guidance in the Filing Instructions Guide. The street address field should not contain placeholders or multiple addresses.
Census Tract
When reporting the census tract data point (Field 18), use the boundaries and codes effective January 1 of the calendar year covered by the loan/application register that it is reporting.
NMLSR Identifier
The reported value for Mortgage Loan Originator NMLSR Identifier (Field 95) should be an integer with a minimum of four digits as defined by NMLS, if not reporting “Exempt” or “NA” in the field. The value should pertain to the mortgage loan originator with primary responsibility for the transaction as of the date of action taken. If the mortgage loan originator is not required to obtain and has not been assigned an NMLSR ID, a financial institution must report “NA.” Please refer to Regulation C Section 1003.4(a)(34) for additional reporting guidance on NMLSR ID.
Online Loan/Application Register (LAR) Formatting Tool
The Online LAR Formatting Tool helps financial institutions, often those with small volumes of covered loans and applications, create an electronic file that can be submitted to the HMDA Platform. Filers can create their transmittal sheet and LAR rows, entering values for each data field, and use this tool to download the entire LAR file. Filers can also easily edit an existing file by uploading their file to the tool. The Online LAR Formatting Tool does not save any user data.
Have a question? HMDA filers can contact the HMDA Help queue at hmdahelp@cfpb.gov throughout the filing season for data questions, filing help, and other inquiries.