WHAT'S IN IT?
This Act requires all banks, savings and loans, savings banks and credit unions with assets of more than $33 million and offices in metropolitan areas to report mortgage applications. Each loan record contains demographic information about loan applicants, including race, gender and income; the purpose of the loan (i.e. home purchase or improvement); whether the buyer intends to live in the home; the type of loan (i.e. conventional, FHA insured, etc.); a new field starting in 2004 called "spread," showing the difference between Treasury security interest rate and the loans interest rate; and the outcome of the loan application (i.e. approved or declined).
HMDA data come in .DBF format, easily imported into Access and other database managers. If you'd like something different, contact us and we'll do our best to help you out. Email email@example.com or call (573) 884-7711.
State slices are available.
WHAT CAN I DO WITH IT?
Second, peruse IRE's tipsheets on working with HMDA data:
Also, see what others have done before:
To order the full data online, visit the online store at https://www.ire.org/nicar/database-library/databases/hmda/ or contact the library.
Call or email with questions, or to tell us how you've used HMDA for stories.