Are there troubling trends in the new 2013 HMDA data?

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The 110 fields that now make up the HMDA data are new and therefore prone to errors. Although there is an amnesty letter from the CFPB, there are also the Interagency Key Field announcements (links below), which identify 37 fields (listed below) that "examiners will typically use to test and validate the accuracy and reliability of home.

Mortgage applications surge on refinancing boom Interest rates on home loans are now significantly lower than a year ago, and that may be bringing more homeowners back to their lenders to refinance. Total mortgage applications rose 4.7% last week.

Recently released 2013 HMDA data suggests that three new trends are emerging in the industry. Trend 1: More loans are going to wealthier households The income disparity for mortgage loans is growing, with more loans going to wealthier households and fewer to middle-class and low-income households.

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The 2017 HMDA data will be analyzed by regulators, economists and industry and consumer advocates over the coming weeks and months. But the CFPB’s first look report pointed to a number of interesting early insights, including a continuation of the trend of growth in the market share of non-depository independent mortgage companies.

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HMDA Data Publication The HMDA data and reports are the most comprehensive publicly available information on mortgage market activity. The data and reports can be used along with the Census demographic information for data analysis purposes.

The filing instructions are updated versions of file specifications for 2017 and 2018 HMDA data that were released earlier this year. In addition, the CFPB has posted a webinar recently conducted by the CFPB staff that provides an overview of the HMDA final rule.

The Home Mortgage Disclosure Act (HMDA) was enacted by Congress in 1975 and was implemented by the Federal Reserve Board’s Regulation C. On July 21, 2011, the rule-writing authority of Regulation C was transferred to the Consumer Financial Protection Bureau (CFPB). Regulation C, requires lending institutions to report public loan data.

And the share of people without health insurance went up for the first time since the Affordable Care Act took effect in 2013.

HMDA Data Reporting Process TECHNOLOGY Transactional Business Process HMDA Data Reporting Process DATA Quality Controls Fair Lending Trends organization training communication All regulatory changes require assessment across 4 domains: Process, Systems, Data, Organization. The new HMDA rule is no different. It is not just about data.

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