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HMDA Insights

Nonprime Lenders Show Some Range   |   Apr 20

Nonprime lenders are an interesting group. They don’t always fund only nonprime loans. Their spreads on subordinate liens are actually a couple of basis points lower than those of prime lenders. And they fund a high percentage of manufactured housing. read more >

Illinois Is a Conforming State   |   Apr 04

Illinois in some respects is quite similar to the last state I profiled, New York. Like the Empire State, Illinois has a huge urban center (Chicago) similar to New York City and a lot of non-urban areas comparable to “upstate” read more >

New York Is the Home of the Million Dollar Jumbo   |   Apr 03

New York state had quite a high dollar volume of jumbo mortgages in 2015, Home Mortgage Disclosure Act data show. Of $80 billion in mortgage finance done in the Empire State (this analysis excludes mortgages purchased) during 2015, more than read more >

More Than Half a Million Texans Got Mortgages in 2015   |   Mar 27

More than half a million Texans received mortgages in 2015 for more than $122 billion in home finance, Home Mortgage Disclosure Act data show. Specifically, 557,000 residents of the Lone Star State got mortgages, with more than 100,000 going to read more >

HMDA’s Fun Facts for Credit Unions   |   Feb 27

Here are some fun facts to know and tell about credit unions as the Credit Union National Association holds its annual Governmental Affairs Conference in Washington, DC: -California is the state with the most credit union mortgage lending, according to read more >