Federal HMDA Reporting Agency Landscape

The HMDA reporting agency landscape has changed over the last five years. As non-bank lenders filled the void in the retail mortgage originations market left by depository institutions, HUD swapped places with CFPB as the largest of the agencies by loan volume, and NCUA surpassed the OCC. With respect to loan product mix, the biggest game changer for HUD lenders was a significant increase in VA loan volume.