Federal Reserve: Residential Mortgage Lending In 2016 – Evidence From The Home Mortgage Disclosure Act Data

Neil Bhutta, Steven Laufer, and Daniel R. Ringo

This article provides an overview of the 2016 data reported under the Home Mortgage Disclosure Act of 1975 and analyzes mortgage market activity over time as well as lending patterns across different demographic groups and lender types. The number of home-purchase originations was about 10 percent higher in 2016 than in 2015, and the number of refinance loans was 16 percent higher. The increase in lending was broad based across demographic and income categories.

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HMDA Bulletin Data (.xlsx)* | HMDA data by county and month, 1994-2016 (.csv)

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