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Home Lending by Income and Race before and after the Great Recession

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    Focusing on seven counties across Ohio, Pennsylvania, and Kentucky, our researchers used Home Mortgage Disclosure Act data to examine application and origination activity by income and race during the past 27 years (1990–2016). In a 13-year span preceding and following the Great Recession (2004–2016), three trends were consistent across all seven counties.
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    Home Mortgage Disclosure Act

    Home Mortgage Disclosure Act (HMDA) is a law that requires certain financial institutions to publicly disclose information about home mortgages. HMDA requires lenders to report information about the loan applications they receive (for example, application date, loan type, race, gender, and income of the borrower, and if the loan was approved or denied). Access publications using the HMDA ata along with a data tool that allows users to easily search, compare, and visualize data on mortgage lending for states, metros, counties, and local areas throughout the US.