Mid-Level

Home Mortgage Disclosure Act Specialist (HMDA Specialist)

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Based on Holland Code framework
Industries that often hire Home Mortgage Disclosure Act Specialist (HMDA Specialist)s
Job markets for Home Mortgage Disclosure Act Specialist (HMDA Specialist)s
Employment concentration · ~123 areas
Based on employment in related occupations
Mapped SOC categories:
BLS Occupational Employment Statistics
What it's like

What it's like to be a Home Mortgage Disclosure Act Specialist (HMDA Specialist)

HMDA Specialists manage a financial institution's compliance with the Home Mortgage Disclosure Act—ensuring mortgage lending data is accurately collected, reported, and analyzed for regulatory submission to the CFPB. The work involves data validation, LAR (Loan Application Register) preparation, error remediation, and interpreting regulatory guidance.

Data quality is the central professional concern. HMDA data integrity matters both for regulatory compliance and because the data is used by regulators, researchers, and community advocates to assess fair lending practices. Errors in HMDA data can result in significant resubmission requirements and regulatory scrutiny.

People who tend to do well are analytically precise and genuinely interested in fair lending issues—understanding not just the technical requirements but the policy purpose behind HMDA data collection. If you can develop deep expertise in HMDA data requirements, understand how to work with lending systems to capture accurate data, and communicate findings to operations and management clearly, HMDA specialist roles tend to offer a distinctive compliance career path with strong demand in mortgage lending institutions.

IndependenceAbove avg
RelationshipsAbove avg
AchievementModerate
Working ConditionsModerate
RecognitionModerate
SupportModerate
O*NET Work Values survey
✦ Editorial — written by Truest from industry research and career patterns
Career Paths

Where this role sits in the broader career landscape — and where it can take you.

$239K$179K$119K$60K$0KLower paying387 metro areas, sorted by salary level
All experience levels1
This level's estimated range
INDUSTRIES PAYING ABOVE AVERAGE
1 BLS OEWS May 2024 covers all Home Mortgage Disclosure Act Specialist (HMDA Specialist)s (SOC 13-2061.00), not just this title · BEA RPP 2023
* Top salaries exceed this figure. BLS caps reported wages at ~$240K to protect individual privacy in high-earning roles.
Career Growth OptionsBusiness Operations track →
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The Broader Landscape

Roles like this one sit within a broader occupational category. The numbers below reflect that full landscape — helpful for context, but your specific experience will depend on level, specialty, and where you work.

$53K–$172K
Salary Range
10th – 90th percentile
63K
U.S. Employment
+18.5%
10yr Growth
6K
Annual Openings

How this category is changing

$74K$71K$68K$65K$62K201920202021202220232024$62K$74K
BLS OEWS May 2024 · BLS Employment Projections 2024–2034

Skills & Requirements

Critical ThinkingReading ComprehensionWritingSpeakingActive ListeningComplex Problem SolvingJudgment and Decision MakingMonitoringSocial PerceptivenessSystems Evaluation
O*NET OnLine · Bureau of Labor Statistics
13-2061.00

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Federal data: BLS Occupational Employment & Wage Statistics (May 2024) · BLS Employment Projections · O*NET OnLine
Truest editorial: Fit check, role profile, things that vary, advancement analysis, lateral moves, interview questions.