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FFIEC Announces Availability of 2015 Data on Mortgage Lending
Monday, October 3, 2016 6:50 AM

The Federal Financial Institutions Examination Council (FFIEC) has announced the availability of data on mortgage lending transactions at 6,913 U.S. financial institutions covered by the Home Mortgage Disclosure Act (HMDA). Covered institutions include banks, savings associations, credit unions, and mortgage companies. The HMDA data made available cover 2015 lending activity and include:

  • applications, originations, purchases and sales of loans, denials, and other actions r‚Äčelated to applications
  • loan amount
  • loan type (conventional, Federal Housing Administration (FHA), Veterans Administration (VA), Rural Housing Service (RHS) or Farm Service Agency (FSA))
  • purpose (home purchase, home improvement, or refinancing)
  • property type (1-4 family, multifamily, or manufactured housing)
  • owner occupancy
  • preapproval (home purchase loans only)
  • property location (metropolitan statistical area (MSA), state, county, and census tract)
  • applicant and co-applicant characteristics (race, ethnicity, sex and income)
  • pricing-related data
  • type of purchaser
  • whether a loan is subject to the Home Ownership and Equity Protection Act (HOEPA)
  • whether a loan is secured by a first or subordinate lien, or is unsecured

The data released also include disclosure statements for each financial institution, aggregate data for each MSA, nationwide summary statistics regarding lending patterns, and loan/application registers (LARs) for each financial institution (LARs are modified to protect borrower privacy). The FFIEC prepares and distributes this information on behalf of its member agencies.

Get more information on the data and how to understand it.