ICAR Research Data Repository for Knowledge Management
UI Home Mortgage Disclosure Act (HMDA) Summary data
Harvard Dataverse (Africa Rice Center, Bioversity International, CCAFS, CIAT, IFPRI, IRRI and WorldFish)
View Archive Info| Field | Value | |
| Title |
UI Home Mortgage Disclosure Act (HMDA) Summary data
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| Identifier |
https://doi.org/10.7910/DVN/2EBX09
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| Creator |
Pettit, Kathryn
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| Publisher |
Harvard Dataverse
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| Description |
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. 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. UI has summarized the loan-level data for various geographic levels into indicators on the racial and income distribution of borrowers, denial rates by race and income, and loans from subprime lenders by race. In 2004, FFIEC expanded the data to include structure type, lien status, and if the loan had high interest rates. Notes on the structure of the data: The data includes records for all of the geographic summary levels (tract, place, etc.), each level identified by the formatted field GEOSCALEID. The data file uses semi-colons as delimiters, which was necessary because the text fields contained commas. See NNIP website for metadata Excel file and file documentation. |
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| Subject |
housing
mortgage HMDA |
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| Relation |
Examples of HMDA use from the National Neighborhood Indicators Partnership High Cost and Investor Mortgages: Neighborhood Patterns Setting Priorities for Neighborhood Stabilization: Guide to Using Foreclosure -Response.org Indexes |
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| Type |
Administrative
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