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Newsletter
New data on mortgage lending
Conference Paper
Lender consistency in housing credit markets
Journal Article
The 2008 HMDA data: the mortgage market during a turbulent year
The data that mortgage lending institutions reported for 2008 under the Home Mortgage Disclosure Act of 1975 (HMDA) reflect the ongoing difficulties in the housing and mortgage markets. This article presents a number of key findings from a review of the 2008 HMDA data. In particular, it documents a reduction in lending activity that was experienced by all groups of borrowers, highlights the Federal Housing Administration's greatly expanded role in the mortgage market, and examines how atypical changes in the interest rate environment affected the incidence of reported higher-priced lending in ...
Newsletter
Discrimination in mortgage lending
Journal Article
Revisions effective September 19, 1988
Journal Article
A Summary of Consumer Protection Regulatory Changes
Many regulatory changes go into effect in 2009 and 2010 as the government works to increase the knowledge of consumers who are shopping for credit.
Journal Article
The 2009 HMDA data: the mortgage market in a time of low interest rates and economic distress
The data that mortgage lending institutions reported for 2009 under the Home Mortgage Disclosure Act of 1975 (HMDA) reflect the ongoing difficulties in the housing and mortgage markets. This article presents a number of key findings from a review of the 2009 HMDA data. In particular, it documents the wave of refinancing but discusses factors that may have muted such opportunities, explores patterns of lending across groups and areas with high rates of foreclosure, highlights the federal government’s greatly expanded role in the mortgage market, and examines how the interest rate ...
Journal Article
Consumers and debt protection products: results of a new consumer survey
This article presents a number of key findings from a review of the data that mortgage lending institutions reported for 2011 under the Home Mortgage Disclosure Act (HMDA). The article documents home-lending activity reflected in the HMDA data and places the 2011 activity in historical context. It also examines changes in mortgage market concentration in recent years and in the credit scores of recent homebuyers. In addition, the article reviews patterns of lending across different racial or ethnic and income groups and across areas that differ in terms of housing market distress. Finally, it ...