HMDA Mortgage Lending API

What you can build

Published public loan/application records aggregated by tract, lender, action, purpose and loan type. Tract income context uses matching-year CRA only where installed; not an automated compliance determination. Use this dataset as a sourced input to an application, analytical model or retrieval tool. Retain its native dimensions when joining it with your own records.

Query HMDA Mortgage Lending

The example below is a real bounded request against the available release. Replace the environment variable with your server-side API credential. Review endpoint parameters and response schemas before changing selectors.

curl --fail --get "https://api.geoamcan.com/v1/lending/hmda?year=2025&geoid=01001020100&limit=1" \
  -H "Authorization: Bearer $GEOAMCAN_API_KEY"

Saved response excerpt

{
  "requested_area": {
    "year": 2025,
    "geo_type": "tract",
    "geoid": "01001020100",
    "lei": null,
    "group_by": "tract",
    "loan_purpose": null,
    "loan_type": null,
    "include_geometry": false
  },
  "data": [
    {
      "geoid": "01001020100",
      "lei": "",
      "public_records": 84,
      "applications": 80,
      "originations": 42,
      "approved_not_accepted": 3,
      "denials": 15,
      "withdrawals": 15,
      "incomplete": 5,
      "purchased": 4,
      "preapproval_denied": 0,
      "preapproval_approved_not_accepted": 0
    }
  ],
  "availability": {
    "status": "available",
    "cra_join": "matching activity year only",
    "public_record_scope": "All source actions, loan purposes, types and dwelling categories unless selected otherwise"
  },
  "snapshot": {
    "hmda": {
      "release_id": 103,
      "release": "2024 one-year / 2025 snapshot; freeze 2026-06-02 parser v1 job 127",
      "fingerprint": "5e1da4f53862c4928e397e843e6cd098"
    },
    "ffiec-cra": {
      "release_id": null,
      "release": null,
      "fingerprint": "9ce367d398eb794a433907d19498bf1d"
    }
  },
  "returned_count": 1,
  "complete": true,
  "next_offset": null,
  "limitations": [
    "Public HMDA data are modified to protect privacy; reported loan amounts are published values, not exact transaction balances."
  ],
  "source_attribution": {
    "hmda": "CFPB / FFIEC public HMDA annual files; https://ffiec.cfpb.gov/data-publication/"
  },
  "metric_definitions": {
    "decision_denial_rate": "actions 3 / (1+2+3)",
    "originated_amount_usd": "Published loan amount sum for action 1; unknown if no valid source amounts",
    "hmda_appended_income_percentage": "Source HMDA tract-to-MSA income percentage; not substituted for official CRA class"
  }
}

Captured 2026-11-03. Excerpt omits pagination credentials and may shorten nested records. Download verified source responses.

Coverage and interpretation

Coverage is limited to published source geographies and releases. Missing, suppressed and unavailable observations must not be treated as zero.

The active release shown here is a catalog snapshot. Check the live catalog and response provenance for current readiness. The underlying public source and Geoamcan access terms are separate; consult the source’s licensing and attribution requirements.

Source and methodology

Source: CFPB / FFIEC. Geoamcan is an independent API provider, with no agency affiliation or endorsement. Read our data methodology for source handling, geographic joins and update practices.

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