RiskExec® Makes 2025 HMDA Peer Data Available to Financial Institutions Within One Day of Release

Rapid access enables institutions to benchmark performance and inform lending strategy as soon as data is published.

KNOXVILLE, Tenn., April 1, 2026 /PRNewswire/ -- RiskExec, Inc. ("RiskExec") is pleased to announce the availability of the Preliminary Modified Loan Application Register (LAR) for Home Mortgage Disclosure Act (HMDA) 2025 submission data. The Consumer Financial Protection Bureau (CFPB) published this data on March 31, 2026, and RiskExec downloaded, converted, and verified the information before uploading it for customer use within one day of CFPB release.

RiskExec, a powerful cloud-based compliance reporting and analytics platform that enables financial institutions to conduct sophisticated, proactive trend analyses, opportunity analyses, peer analyses, and marketing campaign analyses in-house, has been the first provider to go live with newly published HMDA datasets every year since 2013.

The speed of availability is by design. For RiskExec clients, having the 2025 HMDA peer data the moment it is published means they can immediately begin benchmarking their own institution's performance against peers, identifying shifts in origination volume and product mix across their markets, and informing strategic decisions for the year ahead, all while the data is fresh and the insights are most actionable.

"In the current regulatory environment, it is more important than ever for mortgage lenders to use the peer HMDA data to perform self-analysis," said Dr. Anurag Agarwal, Founder & President, RiskExec. "Proactive benchmarking allows lenders to stay ahead of any queries from regulators, civil rights organizations and other interested parties."

This year's data has over 13.5 million valid records from 4,766 Respondents based on RiskExec's analysis of the full Modified LAR file (the CFPB reports 4,768 in its news release), compared to 12.1 million records from 4,908 Respondents for 2024. In 2025, there were approximately 6.8 million Originations, compared to 6.25 million in the 2024 HMDA Peer. The overall denial rate decreased from 24.3% in 2024 to 22.5% in 2025, indicating a potential softening of mortgage credit availability. While still awaiting the official release of the Respondent Panel necessary for converting this data into Depositories, Mortgage Companies, and Credit Unions, RiskExec has leveraged its expertise and proprietary logic based on Agency Code to provide users with immediate access to this critical market information.

RiskExec users can access this data today. The dataset will continue to be refined as the CFPB updates and finalizes the data through its release of the National Snapshot later this year.

For more information about RiskExec, visit riskexec.com or contact [email protected].

ABOUT RISKEXEC®
RiskExec is a leading cloud-based compliance platform that helps banks, mortgage lenders, credit unions, and non-traditional lenders comply with confidence across HMDA, CRA, Community Development, Fair Lending, and SBL/1071. Designed and supported by experts, RiskExec consolidates the full compliance lifecycle — from data cleanup, geocoding, and submission workflows to peer benchmarking, risk identification, and reporting — into a single, modern platform. RiskExec's browser-based software automatically incorporates new regulatory, geographic, and peer data in real time, empowering institutions to build in-house expertise, reduce costs, and move from reactive compliance to proactive oversight.

SOURCE RiskExec, Inc.