Data on 2021 mortgage lending transactions reported by 4,338 U.S. financial institutions under the Home Mortgage Disclosure Act (HMDA) is available via the Federal Financial Institutions Examination Council. Covered institutions include credit unions, banks, savings associations, and mortgage companies.

The HMDA data are the most comprehensive publicly available information on mortgage market activity. The data help the public assess how financial institutions are serving the housing needs of their local communities and facilitate federal financial regulators’ fair lending, consumer compliance, and Community Reinvestment Act examinations.

The Snapshot National Loan-Level Dataset contains the national HMDA datasets as of May 1.

The 2021 data include information on 23.3 million home loan applications. Among them, 21.1 million were closed-end and 1.8 million were open-end. Another 350,000 records did not indicate whether the records were closed-end or open-end.

The share of mortgages originated by non-depository, independent mortgage companies increased and, in 2021, accounted for 63.9% of first lien, one- to four-family, site-built, owner-occupied home-purchase loans, up from 60.7 percent in 2020.

The FFIEC also has available several other data products to serve a variety of users, including:

• HMDA Dynamic National Loan-Level Dataset which is updated on a weekly basis to reflect late submissions and resubmissions. 
• Aggregate and Disclosure Reports provide summary information on individual financial institutions and geographies.
• HMDA Data Browser allows users to create custom tables and download datasets that can be further analyzed.
• Loan/Application Registers for each HMDA filer of 2021 data, modified to protect borrower privacy, is also available.

Additional observations regarding the 2021 data may be found here.