Systems, methods, and computer-readable storage media are described for normalizing HMDA data. In one exemplary embodiment, a computer-implemented method of normalizing HMDA data comprises receiving HMDA data including at least one of HMDA data reports and loan-level public HMDA data, the HMDA data having information that varies as a function of time; correcting errors in the HMDA data; normalizing the HMDA data across any variation in the information; summarizing the normalized HMDA data; and outputting the summarized and normalized HMDA data to an application for analysis.