Home Mortgage Disclosure Act

The Home Mortgage Disclosure Act (HMDA) requires most lending institutions to report mortgage loan applications, including the outcome of the application, information about the loan and applicant, and location of the property. In 2004, FFIEC expanded the data to include structure type, lien status, and if the loan had high interest rates. FFIEC collects the data in order to determine whether financial institutions are meeting a community’s housing credit needs; to target community development funds to attract private investment; and to identify possible discriminatory lending patterns. The reporting requirements are based on the level of institutional assets and the number of loans originated in metro areas.

You can download the data here.