CFPB Releases Preliminary 2025 HMDA Peer Data

The CFPB released the "preliminary" 2025 HMDA Peer data file on March 31st, which is now available in Comply.

As always, this data release does not include the Transmittal File that tells us who each reporter is. RATA downloads the file, links up the Transmittal information from last year based on the LEI number with any institutions that match, and then look up any institutions' LEI information for the ones that don't match. This year that happened to be nearly 130 institutions which needed to be looked up manually.

Keep in mind this is not the official final version of the peer data. The official release usually contains updates to the data, late reporter data, and the official transmittal data for each institution. The official data is typically released in June or July, but we are making this available now in case some institutions want to run preliminary analysis.

If you host RATA Comply on your own servers and have any questions on whether or not you should install this data, feel free to give us a call.

If your institution is using RATA Hosted Services (RHS), our cloud version of Comply, then this peer data is available now, so you will see the 2025 year as an option. If running Comply locally, once the data has been installed, you will then see the 2025 year as an option.

If you have questions, please email support@rataassociates.com or call our office at 407-831-7282.