Historical Home Mortgage Disclosure Act (HMDA) Data

Oct 9, 2021
Go to Project Site

The Home Mortgage Disclosure Act (HMDA) is a near census of mortgage lending activity in the United States implemented by the Federal Reserve Board’s Regulation C. Under HMDA, financial institutions are required to submit detailed records on loan applications and their ultimate outcomes, viz. origination, denial, application withdrawal, etc. HMDA forms the backbone of analysis into U.S. mortgage markets by providing detailed information about mortgage borrowers, lenders, and properties.

Since 2006, the HMDA data were published by the Federal Financial Institutions Examination Council (FFIEC) in an accessible format (CSV). Prior to 2006, the data are only available from the National Archives in fixed-width text format. This project seeks to convert the data prior to 2006 into a more accessible delimited format for easier analysis into historical mortgage market trends.

These data are provided as-is. I will continue to refine these data over time to provide the most accurate data on historical market trends. All codes will be available on my GitHub account.

Data
Andrew C. Forrester
Andrew C. Forrester
Economist and Statistician in Washington, DC

Economist and statistician in Washington, DC working on economic statistics, labor and financial economics, time series and seasonal adjustment, and quantitative demography. All views are my own.

Related