Expanded HMDA data on residential lending: one year later
New HMDA data: intent, interpretation, and implications
In March, the first data reflecting changes to the Home Mortgage Disclosure Act became available to the public. Anna Afshar summarizes the new data?s features, the intent of the changes, and the limits of interpretation.
HMDA data to include new home loan price information
Estimates of home mortgage originations, repayments, and debt on one-to-four-family residences
Since 1997, when the Department of Housing and Urban Development discontinued its quarterly gross mortgage flow system, there has been no systematic attempt to disaggregate the net change in outstanding home mortgage debt into its constituent gross flows. Using a different approach, we have developed a system that reconciles the change in regular home mortgage debt with mortgage flows. The latter includes home purchase and refinance originations, and mortgage purchases, sales, and repayments for five types of mortgage originators and six categories of other mortgagees. In the process, we ...