2008 HMDA Data

2008 HMDA Data

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The data that mortgage lending institutions reported for 2008 under the Home Mortgage Disclosure Act of 1975 (HMDA) reflect the ongoing difficulties in the housing and mortgage markets. This article presents a number of key findings from a review of the 2008 HMDA data. In particular, it documents a reduction in lending activity that was experienced by all groups of borrowers, highlights the Federal Housing Administration's greatly expanded role in the mortgage market, and examines how atypical changes in the interest rate environment affected the incidence of reported higher-priced lending in 2008 relative to earlier years. Chats and tables.Source: Credit union reports of condition and income from National Credit HELOC Home equity line of credit. ... to investors or individuals purchasing second or vacation homes, which are collectively referred to here as non-owner- occupied 6.

Title:2008 HMDA Data
Author: Robert B. Avery
Publisher:DIANE Publishing - 2010-09

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