The HMDA Lender File (also known as the Avery File) is a data set that can be used alone or with publicly available HMDA data to better understand the characteristics of firms receiving mortgage applications and originating loans, including asset size and recent Community Reinvestment Act exam results. The data set, created by Philadelphia Fed visiting scholar Bob Avery, enables users to connect HMDA filers to their parent organizations and compare a filer’s lending over time, going back to 1990.
Avery’s HMDA Lender File enables users to examine lending patterns at the institution level and to facilitate analysis across time, including bridging different eras of HMDA data collection, before and after 2018, when data were reported using different methods for identifying lenders. While other resources, such as the Philadelphia Fed’s Home Mortgage Explorer, focus on lending patterns at different geographic levels, the HMDA Lender File does not include geographic information for the HMDA loans and applications. However, users can match the lender file to loan- and application-level HMDA data provided publicly by the FFIEC and CFPB.
