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Residential Mortgage Lending in 2016: Evidence from the Home Mortgage Disclosure Act Data


  • Neil Bhutta
  • Steven Laufer
  • 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.

Suggested Citation

  • Neil Bhutta & Steven Laufer & Daniel R. Ringo, 2017. "Residential Mortgage Lending in 2016: Evidence from the Home Mortgage Disclosure Act Data," Federal Reserve Bulletin, Board of Governors of the Federal Reserve System (U.S.), vol. 103(6), November.
  • Handle: RePEc:fip:fedgrb:89520
    DOI: 10.17016/bulletin.2017.103-6

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    Cited by:

    1. Neil Bhutta & Aurel Hizmo, 2020. "Do Minorities Pay More for Mortgages?," Finance and Economics Discussion Series 2020-007, Board of Governors of the Federal Reserve System (U.S.).

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