U.S. Mortgage Index

Loan/Application Register

Also called HMDA LAR

Definition

The Loan/Application Register is the Home Mortgage Disclosure Act data file a covered institution submits about mortgage applications, originations, and related actions. LAR is the acronym. It is a dataset, not the HMDA statute itself.

In plain English

HMDA is the law that requires certain lenders to report mortgage data. The LAR is the register—the file of rows—they submit. Public HMDA data come from those files. This page is the register, not the statute page already published.

Technical definition

The CFPB HMDA data page is the official public identity for this reporting system. HMDA LAR is a documented alias of this register.

Why it matters

Researchers citing HMDA rows are citing the register. Confusing it with the statute hides the data artifact.

Sources reviewed

Important note

LAR is an acronym for this register, not a second concept.