What happened
On March 31, 2026, the CFPB announced that modified 2025 Home Mortgage Disclosure Act loan-application data were available through the FFIEC HMDA platform. The release covers approximately 4,768 reporting institutions.
The agency says the public loan-level records are modified to protect consumer privacy. Institution files and a combined file are available for research.
Our context for homeowners
These records describe past reported mortgage activity. They are not current lender offers, and an institution appearing in the data is not a recommendation from MyLoanAlert.
Do not treat someone else having obtained a loan as evidence that you will qualify for the same terms. Your own offer requires a separate lender assessment.
How this differs from the calculator
The MyLoanAlert calculator estimates a scenario from the figures you enter. It does not use HMDA records to approve borrowers or predict individual pricing.
This is background coverage of a March release about 2025 lending. It is not breaking news or a live mortgage-rate feed.