RiskExec® Delivers 2025 HMDA Peer Data Rapidly for Financial Institutions' Use

In a significant move, RiskExec, Inc., a premier compliance reporting and analytics platform, has made the Preliminary Modified Loan Application Register (LAR) for Home Mortgage Disclosure Act (HMDA) data for 2025 available to financial institutions only one day after its release by the Consumer Financial Protection Bureau (CFPB). This speed not only sets a precedent in the industry but also emphasizes the importance of timely access to critical data for mortgage lenders in today's ever-evolving regulatory landscape.

The CFPB published the 2025 HMDA data on March 31, 2026, and by swiftly converting, verifying, and uploading the information, RiskExec allows its clients to leverage this data to benchmark their performance against peers. This rapid access enables financial institutions to analyze shifts in origination volume and product mix, and make informed strategic decisions promptly, while insights are still fresh and actionable.

Dr. Anurag Agarwal, Founder and President of RiskExec, reinforced the necessity of utilizing peer HMDA data for self-analysis, stating, "In the current regulatory environment, it is more important than ever for mortgage lenders to use the peer HMDA data to perform self-analysis. Proactive benchmarking allows lenders to stay ahead of any queries from regulators, civil rights organizations, and other interested parties." Such analytics are vital for navigating potential scrutiny and ensuring compliance with federal guidelines.

This year’s dataset is notably rich, containing over 13.5 million valid records sourced from 4,766 respondents, which shows an uptick from the previous year's records of 12.1 million from 4,908 respondents. Specifically, in 2025, the indicated origination figure reached approximately 6.8 million, a slight increase from 6.25 million in 2024. Furthermore, the overall denial rate witnessed a decrease from 24.3% in 2024 to 22.5% in 2025, which signals a potential easing of mortgage credit availability—a critical element for both lenders and borrowers.

Moreover, while the final release of the necessary Respondent Panel for comprehensive data conversion is still anticipated, RiskExec has adeptly utilized its proprietary logic based on Agency Code to offer immediate access to this essential market information. Clients of RiskExec can start accessing this valuable data and carry out necessary analyses that could significantly impact their lending strategies.

The platform’s user-friendly interface and advanced analytics capabilities provide institutions with tools for conducting in-depth trend analysis, opportunity scouting, peer assessments, and even marketing campaign evaluations within their operational realms. By consolidating these functionalities, RiskExec simplifies and strengthens compliance processes, alleviating burdens on financial institutions while enhancing their operational insights.

Looking forward, RiskExec's dataset will continue to undergo refinements as the CFPB updates its information through the release of the National Snapshot later this year. This ongoing availability of accurate data highlights RiskExec's commitment to delivering timely and actionable insights, vital for navigating the complexities of the financial landscape in a heavily regulated environment.

For comprehensive information about RiskExec and its wide range of services designed to assist banks, mortgage lenders, and credit unions, interested parties can visit RiskExec's official website or reach out directly at [email protected].

About RiskExec

RiskExec is a cutting-edge cloud-based compliance platform dedicated to aiding financial institutions—including banks, mortgage lenders, credit unions, and alternative lenders—in maintaining compliance with regulations surrounding HMDA, CRA, Community Development, Fair Lending, and SBL/1071. With a focus on modern compliance solutions, RiskExec streamlines the entire compliance lifecycle—from data cleanup and geocoding to submission workflows and peer benchmarking—into an integrated system. The browser-based software automatically incorporates new regulatory, geographical, and peer data in real-time, empowering institutions to enhance compliance expertise and transition from reactive oversight to proactive management.