by Matt Piven | Oct 18, 2019 | blog
This is the second blog in a series about the the 2019 FFIEC census demographic file which was released on August 30, 2019. Into that file FFIEC incorporated September 2018 Office of Management and Budget MSA/Metropolitan Division boundary definitions. As a result...
by Matt Piven | Aug 13, 2019 | blog
Institutions who are covered by the Community Reinvestment Act (CRA) will want to pay particular attention to recent changes to MSAs and Metropolitan Divisions and median family incomes (MFIs). In the HMDA/fair lending world, whether you are looking at a distribution...
by Matt Piven | Jun 26, 2019 | Fair Lending
Public 2018 HMDA reveals little variation in debt ratios across metro areas Mortgage professionals, policy makers, homebuyer’s, real estate agents, and prepurchase housing counselors will be curious to know about mortgage affordability in a neighborhood, city, county,...
by Matt Piven | May 28, 2019 | blog
Prior to 2018, HMDA reporting for lines of credit was optional. It turns out that in 2018 $21.1 billion in credit was extended in transactions within the following parameters: Conventional Second lien Home improvement Owner occupied as a principal or second residence...
by Matt Piven | May 7, 2019 | blog, HMDA
I made a list of six intriguing analyses that can be done with the public 2018 HMDA data. Possibilities are almost endless. Affordability Analysis You can find where the borrowers are who can afford homes above a particular threshold (e.g., $1 million) using...
Recent Comments