Short answer: Yes… but not the way most people think.
The Home Mortgage Disclosure Act (HMDA) dataset is one of the largest publicly available mortgage datasets in the United States. It contains loan-level information reported by thousands of financial institutions every year.
Fields include things like:
• Loan purpose (purchase, refinance, improvement)
• Loan amount
• Property location (state, county, census tract)
• Borrower income
• Loan type (Conventional, FHA, VA)
• Lender information
The newest dataset was just released and can be downloaded here:
https://ffiec.cfpb.gov/data-publication/2024
The 2024 release includes loan-level records submitted by nearly 5,000 mortgage lenders across the United States.
So why isn’t everyone using HMDA to generate refinance leads?
Two reasons.
1️⃣ Privacy protections
The public dataset removes borrower identifiers such as names and full addresses.
2️⃣ Data timing
HMDA data is released after the reporting year, which means it is usually 12–24 months old by the time analysts receive it.
That makes it less useful as a direct prospecting list.
But where HMDA becomes extremely powerful is market intelligence.
When you combine HMDA with:
• property records
• MLS data
• geographic analysis
• mortgage rate history
you can identify:
• neighborhoods with high FHA concentration
• markets where refinance waves are likely
• lender market share by geography
• loan type trends across price segments
This is the kind of data intelligence work I focus on through NhanceData.
If you’re a broker, lender, or real estate professional who wants to better understand your market through data, feel free to reach out.