On March 31, 2026, the CFPB released the preliminary 2025 HMDA Peer Modified LARs. RiskExec takes great pride in being the first in the industry to make this vital dataset available to clients within one business day of CFPB release.
This year’s data has over 13.5 million 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.
Users can now send loans directly from Encompass to RiskExec!
Clients with access to the Community Development module can use Dashboards for HMDA, CRA, and 1071 SBL. A new widget has been added that allows users to create charts from files across multiple file years.
Clients with access to the Community Development module can use Dashboards for HMDA, CRA, and 1071 SBL. A new widget has been added to allow users to see the Geocoding Summary for a file in their Dashboard.
Compliance and fair lending take center stage at The 2026 Forum, an Asurity event with premier sponsor RiskExec. Built for professionals navigating today’s regulatory and operational complexity, the event delivers focused, in-depth discussions, practical insight, and direct engagement with industry leaders and regulatory experts on the challenges that matter most.
RiskExec clients are eligible for a discounted rate again this year. Register now!
