HMDA LAR Reporting (CFPB)

HMDAfree

12 data-quality rules for the Home Mortgage Disclosure Act (HMDA) Loan/Application Register (LAR) submitted to the CFPB. Mirrors the edit categories in the Filing Instructions Guide (FIG, Section 5.3): syntactical, validity, and quality edits — record format, valid enumerations (action taken, loan type/purpose, lien status), LEI/ULI integrity, geography against the FFIEC census file, and reasonableness. Use it to clear the HMDA Platform edits before you file.

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hmdamortgagecfpblarregulatory-reportingfair-lending

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$ npx dqhub install hmda-lar-reporting --format soda --table YOUR_TABLE

Reference data required

This contract's checks join against 2 reference tables. Load them into your warehouse — DQHub ships the public ones, the rest link to their source. All reference data →

Customer-loaded — source

ffiec_county_codesffiec_census_tracts

About this pack

What's included

5format rules

3completeness rules

2referential integrity rules

1uniqueness rules

1range rules

Checks included (12)

LEI Is 20 Characters(lei)

The Legal Entity Identifier must be a 20-character ISO 17442 LEI. A malformed LEI fails the syntactical edits.

Action Taken Is a Valid Code(action_taken)

Action Taken must be 1–8 per the FIG (1 originated, 2 approved not accepted, 3 denied, 4 withdrawn, 5 incomplete, 6 purchased, 7 preapproval denied, 8 preapproval approved not accepted).

Loan Type Is a Valid Code(loan_type)

Loan Type must be 1 (Conventional), 2 (FHA), 3 (VA), or 4 (RHS/FSA).

Loan Purpose Is a Valid Code(loan_purpose)

Loan Purpose must be 1 (Home purchase), 2 (Home improvement), 31 (Refinancing), 32 (Cash-out refinancing), 4 (Other), or 5 (N/A).

Lien Status Is a Valid Code(lien_status)

Lien Status must be 1 (Secured by a first lien) or 2 (Secured by a subordinate lien).

Required LAR Fields Present

Every LAR record must carry the core required fields: LEI, ULI/NULI, action taken, action-taken date, loan type, loan purpose, and loan amount. Missing required fields are rejected by the HMDA Platform.

Action Taken Date Present(action_taken_date)

Each record must carry the date the action was taken; it cannot be null and must fall within the reporting year.

Applicant Demographics Present

Applicant ethnicity, race, and sex must be populated (including the permitted "information not provided" / "not applicable" codes) to support fair-lending analysis.

County FIPS Is Valid

The reported county must be a valid 5-digit FIPS code present in the FFIEC reference geography. Invalid counties fail the validity edits and break geographic analysis.

Census Tract Is in the FFIEC File

The 11-digit census tract must exist in the FFIEC census file for the filing year, or be the reportable N/A code where allowed.

ULI Is Unique(uli)

The Universal Loan Identifier must uniquely identify each loan/application in the register. Duplicate ULIs trigger a validity edit.

Reported Income Is Non-Negative(income)

Income (reported in thousands) should not be negative. Negative income is flagged by the quality edits as implausible.