How LendingPatterns™ helps you make sense of HMDA

HMDA data is both a recurring concern and a useful tool for financial institutions. Banks, credit unions, and independent mortgage companies have to submit HMDA every year or risk the penalties so that all of this data can then be viewable to the public and can paint...

Six HMDA Analyses You Never Thought Possible

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...