DataPlace Guide Series: Guide to Home Mortgage Disclosure Act Data

Report by Kathryn L.S. Pettit, Audrey E. Droesch
December 1, 2008

Urban Institute   (NNIP Coordinator)

The Home Mortgage Disclosure Act (HMDA) requires most lending institutions to report on home mortgage loan applications, including the application outcome, loan- and applicant-related information, and property location. Annual data collected through HMDA provide a unique set of files with information at the neighborhood level. This guide describes the HMDA original source data and the HMDA indicators available on DataPlace ( The guide also illustrates how HMDA indicators can be used to shed light on such issues as neighborhood investment trends, changes in the racial and economic composition of home buyers, disparities in home loan access, and subprime lending.