The Home Mortgage Disclosure Act was enacted by Congress in 1975 and is implemented by the Federal Reserve Board's Regulation C. This regulation provides the public with loan data that can be used to assist: in determining whether financial institutions are serving the housing needs of their communities; public officials in distributing public-sector investments so as to attract private investment to areas where it is needed; and in identifying possible discriminatory lending patterns. This regulation applies to certain financial institutions, including banks, savings associations, credit unions, and other mortgage lending institutions.
| MSA Detail: Applications & Actions |
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| MSA Detail: Applications & Actions by Loan Type |
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| MSA Detail: Applications & Actions by Lien Status |
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| MSA Detail: Applications & Actions by Property Type |
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| MSA Detail: Applications & Actions by Lien Status and Loan Type |
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| Income Level |
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| Applications & Actions by Income Level and Loan Type |
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| Applications & Actions by Income Level and Lien Status |
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| Applications & Actions by Income Level and Property Type |
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| Applications & Actions by Income Level, Loan Type, and Lien Status |
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| MSA Detail:Applications & Actions by Income Level |
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| Race/Ethnicity |
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| Applications & Actions by Race/Ethnicity (Summary) and Loan Type |
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| Applications & Actions by Race/Ethnicity (Summary) and Lien Status |
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| Applications & Actions by Race/Ethnicity (Summary) and Property Type |
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| Applications & Actions by Race/Ethnicity (Summary), Loan Type, and Lien Status |
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| MSA Detail: Applications & Actions by Race/Ethnicity (Summary) |
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| MSA Detail: Applications & Actions by Race (Detail) |
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| MSA Detail: Applications & Actions by Ethnicity (Detail) |
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| Race/Ethnicity and Income |
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| Applications & Actions by Race/Ethnicity, Low-to-Moderate Income Status, and Loan Type |
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| Applications & Actions by Race/Ethnicity, Low-to-Moderate Income Status, and Lien Status |
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| Applications & Actions by Race/Ethnicity, Low-to-Moderate Income Status, and Property Type |
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| MSA Detail: Applications & Actions by Race/Ethnicity and Income Level |
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| Higher-Priced Loans |
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| MSA Detail: Distribution of Rate Spreads |
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| MSA Detail: Distribution of Rate Spreads by Loan Type |
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| MSA Detail: Distribution of Rate Spreads by Lien Status |
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| MSA Detail: Distribution of Rate Spreads by Property Type |
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| MSA Detail: Distribution of Rate Spreads by Income Level |
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| MSA Detail: Distribution of Rate Spreads by Race/Ethnicity (Summary) |
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| MSA Detail: Median & Mean Rate Spread for Higher-priced Loans by Income Level |
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| MSA Detail: Median & Mean Rate Spread for Higher-priced Loans by Race/Ethnicity (Summary) |
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Data Source: 2005 Home Mortgage
Disclosure Act (HMDA) Data
Additional tabulations are available from Federal
Financial Institutions Examination Council (FFIEC).
Note: Please note
that "Home Mortgage Disclosure Act data
has limitations that make them an inadequate
basis, absent other information, for concluding
that an institution has not assisted adequately
in meeting its community's credit needs or has
engaged in illegal lending discrimination."
(The Board of Governors of the Federal Reserve
System).
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