HMDA LAR Export

325K normalized HMDA loan application records for Caddo, Bossier, and DeSoto parishes, 2007–2024 — consistent schema across the 2018 format change, enriched with tract-level physical risk context from the RRA parcel fabric.

325K

Loan Applications

2007–2024

Coverage

Caddo · Bossier · DeSoto

Parishes

691

Lenders

About this product

HMDA data is public but nearly unusable for multi-year analysis. The CFPB's 2018 format overhaul changed the census tract format and dozens of field definitions, making pre/post comparison require substantial normalization work. This product delivers a consistent schema across the full 2007–2024 span — one file, one format, 18 vintages reconciled.

RRA enrichment appends tract-level physical context unavailable in the raw HMDA file: median parcel composite score, median distress score, median flood risk score, SFHA prevalence, adjudicated parcel rate, ground subsidence rate (Caddo + Bossier), and ACS median household income. These fields let researchers ask whether denial rates correlate with physical risk exposure, or whether originations concentrate in lower-distress tracts.

Primary use cases: CRA self-assessment (community banks documenting lending coverage across their assessment area), fair housing analysis (denial rate disparities by tract and borrower characteristics), capital desert mapping for CDFIs, and academic research on lending geography.

Buyers

→ Community banks performing CRA compliance self-assessment
→ CDFIs mapping capital deserts and underserved geographies
→ Fair housing attorneys and advocacy organizations
→ Academic researchers and investigative journalists

Delivery

·CSV file delivery, one row per loan application
·Includes originated, denied, and withdrawn applications
·RRA enrichment columns prefixed rra_ for easy identification
·Annual refresh — new HMDA vintage released each September

Dataset Fields

— Standard HMDA Fields —

lei / institution_name

Lender Legal Entity Identifier and full institution name (GLEIF registry)

loan_type / loan_purpose

Conventional/FHA/VA/USDA; purchase/refinance/home improvement/HELOC

action_taken

Origination, denial, withdrawn, incomplete — application outcome

loan_amount

Loan amount in thousands

census_tract

FIPS census tract of the subject property

income

Applicant gross annual income (thousands)

denial_reason_1/2/3

Up to three lender-stated denial reasons

derived_race / derived_ethnicity

CFPB-derived applicant race and ethnicity categories

— RRA Enrichment Fields (tract-level) —

rra_median_parcel_score

Median composite parcel score across all scored parcels in the census tract (0–100)

rra_median_distress_score

Median distress score in the census tract — permit dormancy, vacancy, code violations

rra_median_flood_risk

Median flood risk score in the census tract — FEMA zone, BFE freeboard, InSAR velocity

rra_sfha_pct

Percentage of parcels in the tract within a FEMA Special Flood Hazard Area

rra_adjudicated_pct

Percentage of parcels in the tract currently adjudicated for tax delinquency

rra_median_subsidence_mmyr

Median ground subsidence velocity in the tract (mm/yr, InSAR-derived; Caddo + Bossier; DeSoto pending NISAR)

rra_acs_median_income

ACS 5-year median household income for the census tract

rra_tract_parcel_count

Number of scored parcels in the tract (denominator context for percentages above)

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