Journal Article

Residential Mortgage Lending in 2016: Evidence from the Home Mortgage Disclosure Act Data

Abstract: This article provides an overview of the 2016 data reported under the Home Mortgage Disclosure Act of 1975 and analyzes mortgage market activity over time as well as lending patterns across different demographic groups and lender types. The number of home-purchase originations was about 10 percent higher in 2016 than in 2015, and the number of refinance loans was 16 percent higher. The increase in lending was broad based across demographic and income categories.

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Bibliographic Information

Provider: Board of Governors of the Federal Reserve System (U.S.)

Part of Series: Federal Reserve Bulletin

Publication Date: 2017-11

Volume: 103

Issue: 6