The Consumer Financial Protection Bureau released the preliminary 2024 Home Mortgage Disclosure Act (HMDA) data on March 31, 2025. With this release, mortgage fair lending compliance officers may begin analyzing their data for redlining risk, rather than waiting for the potential release of the dynamic data later this year. If they proceed now, how likely are results to change?
Beginning with the initial release in March, CRA downloaded last year’s weekly 2023 HMDA data releases and have compared the data to the dynamic data release in July.
The differences between the two files were negligible.
The bottom line: Lenders can analyze the 2024 HMDA Data for redlining risk now.
