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Opportunities and Issues in Using HMDA Data

  • Robert B. Avery

    ()

    (Division of Research and Statistics, Board of Governors of the Federal Reserve System, Washington, D.C. 20551-0001)

  • Kenneth P. Brevoort

    (Division of Research and Statistics, Board of Governors of the Federal Reserve System, Washington, D.C. 20551-0001)

  • Glenn B. Canner

    (Division of Research and Statistics, Board of Governors of the Federal Reserve System, Washington, D.C. 20551-0001)

Since 1975, the Home Mortgage Disclosure Act (HMDA) has required most mortgage lending institutions to disclose to the public information about the home loans they originate or purchase during a calendar year. In using these data, however, researchers need to be aware of a number of issues and potential problems that characterize HMDA. This article provides a comprehensive enumeration of these issues, focusing on practical problems that can potentially influence choices researchers make in using the data or in interpreting the findings. The article also includes an illustrative example of how the data that is reported in HMDA can be used to gain a better understanding of trends and practices in the home mortgage market.

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File URL: http://pages.jh.edu/jrer/papers/pdf/past/vol29n04/02.351_380.pdf
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Article provided by American Real Estate Society in its journal journal of Real Estate Research.

Volume (Year): 29 (2007)
Issue (Month): 4 ()
Pages: 351-380

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Handle: RePEc:jre:issued:v:29:n:4:2007:p:351-380
Contact details of provider: Postal: American Real Estate Society Clemson University School of Business & Behavioral Science Department of Finance 401 Sirrine Hall Clemson, SC 29634-1323
Web page: http://www.aresnet.org/Email:

Order Information: Postal: Diane Quarles American Real Estate Society Manager of Member Services Clemson University Box 341323 Clemson, SC 29634-1323
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  1. Jim Berkovec & Peter Zorn, 1996. "How Complete is HMDA? HMDA Coverage of Freddie Mac Purchases," Journal of Real Estate Research, American Real Estate Society, vol. 11(1), pages 39-56.
  2. Robert B. Avery & Glenn B. Canner & Robert E. Cook, 2005. "New information reported under HMDA and its application in fair lending enforcement," Federal Reserve Bulletin, Board of Governors of the Federal Reserve System (U.S.), issue Sum, pages 344-394.
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