Polygon Research has been working with HMDA data for several years, and has been selling subscriptions to HMDAVision
, our Software-as-a-Service HMDA analysis app, since 2018. HMDAVision contains the most recent 5 years of HMDA data, so we are able to show not only the latest information, but trends over time as well.
, and more recently the CFPB
, have traditionally released the prior year's HMDA data each spring in the form of a national loan level dataset consisting of a large (~2GB) LAR file along with supporting lender and geography information files. This year marks a departure from this pattern in that the LAR information has so far only been released as individual per-lender "Modified LAR" files without the supporting files. Per the CFPB
: "The Modified LARs contains loan level information for 2018 on individual HMDA filers, modified to protect privacy." And the bar is even higher right now for organizations wanting to make sense of HMDA trends through 2018, as 2018 ushers in the use of a new unique identifier
for lenders, with no crosswalk to the previous one