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Getting a Sneak Peek at the 2015 HMDA Numbers

by Dana Ginsburg | May 11, 2016 | blog, EarlyLook Data, HMDA

It is now possible to get a four month jump on seeing what is in the 2015 Home Mortgage Disclosure Act data. That’s because 175 lenders who generated more than 40 percent of last year’s application numbers, have reported their numbers early, with the results now...

Lending by Minority-Owned Institutions Not Exactly What You’d Expect

by Dana Ginsburg | Mar 8, 2016 | blog, HMDA

Minority-owned institutions might be expected to show different lending patterns than majority-owned ones. And they do. But some of them are patterns you might not expect. They do lend a lot (more than a third of their volume) to minorities. But they vary considerably...
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    html,body{ margin: 0px; } #crmWebToEntityForm.zcwf_lblRight { width:100%; padding: 25px; margin: 0 auto; box-sizing: border-box; } #crmWebToEntityForm.zcwf_lblRight * { box-sizing: border-box; } #crmWebToEntityForm{text-align: left;} #crmWebToEntityForm * { direction: ltr; } .zcwf_lblRight .zcwf_title { word-wrap: break-word; padding: 0px 6px 10px; font-weight: bold; } .zcwf_lblRight .zcwf_col_fld input[type=text], .zcwf_lblRight .zcwf_col_fld textarea { width: 60%; border: 1px solid #c0c6cc !important; resize: vertical; border-radius: 2px; float: left; } .zcwf_lblRight .zcwf_col_lab { width: 30%; word-break: break-word; padding: 0px 6px 0px; margin-right: 10px; margin-top: 5px; float: left; min-height: 1px; text-align: right; } .zcwf_lblRight .zcwf_col_fld { float: left; width: 68%; padding: 0px 6px 0px; position: relative; margin-top: 5px; } .zcwf_lblRight .zcwf_privacy{padding: 6px;} .zcwf_lblRight .wfrm_fld_dpNn{display: none;} .dIB{display: inline-block;} .zcwf_lblRight .zcwf_col_fld_slt { width: 60%; border: 1px solid #ccc; background: #fff; border-radius: 4px; font-size: 16px; float: left; resize: vertical; padding: 2px 5px; } .zcwf_lblRight .zcwf_row:after, .zcwf_lblRight .zcwf_col_fld:after { content: ''; display: table; clear: both; } .zcwf_lblRight .zcwf_col_help { float: left; margin-left: 7px; font-size: 16px; max-width: 35%; word-break: break-word; } .zcwf_lblRight .zcwf_help_icon { cursor: pointer; width: 16px; height: 16px; display: inline-block; background: #fff; border: 1px solid #c0c6cc; color: #c1c1c1; text-align: center; font-size: 11px; line-height: 16px; font-weight: bold; border-radius: 50%; } .zcwf_lblRight .zcwf_row {margin: 15px 0px;} .zcwf_lblRight .formsubmit { margin-right: 5px; cursor: pointer; color: var(--baseColor); font-size: 16px; } .zcwf_lblRight .zcwf_privacy_txt { width: 90%; color: rgb(0, 0, 0); font-size: 16px; font-family: Arial; display: inline-block; vertical-align: top; color: var(--baseColor); padding-top: 2px; margin-left: 6px; } .zcwf_lblRight .zcwf_button { font-size: 16px; color: var(--baseColor); border: 1px solid #c0c6cc; padding: 3px 9px; border-radius: 4px; cursor: pointer; max-width: 120px; overflow: hidden; text-overflow: ellipsis; white-space: nowrap; } .zcwf_lblRight .zcwf_tooltip_over{ position: relative; } .zcwf_lblRight .zcwf_tooltip_ctn{ position: absolute; background: #dedede; padding: 3px 6px; top: 3px; border-radius: 4px;word-break: break-word; min-width: 100px; max-width: 150px; color: var(--baseColor); z-index: 100; } .zcwf_lblRight .zcwf_ckbox{ float: left; } .zcwf_lblRight .zcwf_file{ width: 55%; box-sizing: border-box; float: left; } .clearB:after{ content:''; display: block; clear: both; } @media all and (max-width: 800px) { .zcwf_lblRight .zcwf_col_lab, .zcwf_lblRight .zcwf_col_fld { width: auto; float: none !important; } .zcwf_lblRight .zcwf_col_help {width: 40%;} .zcwf_lblRight.zcwf_rtl .zcwf_col_lab {text-align: left;} .zcwf_lblRight.zcwf_rtl .zcwf_col_lab {text-align: right;} }
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    /* Do not remove this code. */ function reloadImg3883025000007740007() { var captcha = document.getElementById('imgid3883025000007740007'); if(captcha.src.indexOf('&d') !== -1 ) { captcha.src = captcha.src.substring(0, captcha.src.indexOf('&d'))+'&d'+new Date().getTime(); }else{ captcha.src = captcha.src+'&d'+new Date().getTime(); } } function validateEmail3883025000007740007() { var form = document.forms['WebToLeads3883025000007740007']; var emailFld = form.querySelectorAll('[ftype=email]'); var i; for (i = 0; i < emailFld.length; i++) { var emailVal = emailFld[i].value; if((emailVal.replace(/^\s+|\s+$/g, '')).length!=0 ) { var atpos=emailVal.indexOf('@'); var dotpos=emailVal.lastIndexOf('.'); if (atpos<1 || dotpos=emailVal.length) { alert('Please enter a valid email address. '); emailFld[i].focus(); return false; } } } return true; } function checkMandatory3883025000007740007() { var mndFileds = new Array('Company','First Name','Last Name','Email','Phone'); var fldLangVal = new Array('Company','First\x20Name','Last\x20Name','Email','Phone'); for(i=0;i<mndFileds.length;i++) { var fieldObj=document.forms['WebToLeads3883025000007740007'][mndFileds[i]]; if(fieldObj) { if (((fieldObj.value).replace(/^\s+|\s+$/g, '')).length==0) { if(fieldObj.type =='file') { alert('Please select a file to upload.'); fieldObj.focus(); return false; } alert(fldLangVal[i] +' cannot be empty.'); fieldObj.focus(); return false; } else if(fieldObj.nodeName=='SELECT') { if(fieldObj.options[fieldObj.selectedIndex].value=='-None-') { alert(fldLangVal[i] +' cannot be none.'); fieldObj.focus(); return false; } } else if(fieldObj.type =='checkbox'){ if(fieldObj.checked == false){ alert('Please accept '+fldLangVal[i]); fieldObj.focus(); return false; } } try { if(fieldObj.name == 'Last Name') { name = fieldObj.value; } } catch (e) {} } } trackVisitor3883025000007740007(); if(!validateEmail3883025000007740007()){return false;} document.querySelector('.crmWebToEntityForm .formsubmit').setAttribute('disabled', true); } function tooltipShow3883025000007740007(el){ var tooltip = el.nextElementSibling; var tooltipDisplay = tooltip.style.display; if(tooltipDisplay == 'none'){ var allTooltip = document.getElementsByClassName('zcwf_tooltip_over'); for(i=0; i<allTooltip.length; i++){ allTooltip[i].style.display='none'; } tooltip.style.display = 'block'; }else{ tooltip.style.display='none'; } } var $zoho= $zoho || {};$zoho.salesiq = $zoho.salesiq || {widgetcode:'bd812ff9f10013ac6c2e466111bbef8d9b784a397f834181032d1271a5311a8cfd06c71ed649cf90a8aa7eac3c82f084', values:{},ready:function(){}};var d=document;s=d.createElement('script');s.type='text/javascript';s.id='zsiqscript';s.defer=true;s.src='https://salesiq.zoho.com/widget';t=d.getElementsByTagName('script')[0];t.parentNode.insertBefore(s,t);function trackVisitor3883025000007740007(){try{if($zoho){var LDTuvidObj = document.forms['WebToLeads3883025000007740007']['LDTuvid'];if(LDTuvidObj){LDTuvidObj.value = $zoho.salesiq.visitor.uniqueid();}var firstnameObj = document.forms['WebToLeads3883025000007740007']['First Name'];if(firstnameObj){name = firstnameObj.value +' '+name;}$zoho.salesiq.visitor.name(name);var emailObj = document.forms['WebToLeads3883025000007740007']['Email'];if(emailObj){email = emailObj.value;$zoho.salesiq.visitor.email(email);}}} catch(e){}}
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    html,body{ margin: 0px; } #crmWebToEntityForm.zcwf_lblRight { width:100%; padding: 25px; margin: 0 auto; box-sizing: border-box; } #crmWebToEntityForm.zcwf_lblRight * { box-sizing: border-box; } #crmWebToEntityForm{text-align: left;} #crmWebToEntityForm * { direction: ltr; } .zcwf_lblRight .zcwf_title { word-wrap: break-word; padding: 0px 6px 10px; font-weight: bold; } .zcwf_lblRight .zcwf_col_fld input[type=text], .zcwf_lblRight .zcwf_col_fld textarea { width: 60%; border: 1px solid #ccc !important; resize: vertical; border-radius: 2px; float: left; } .zcwf_lblRight .zcwf_col_lab { width: 30%; word-break: break-word; padding: 0px 6px 0px; margin-right: 10px; margin-top: 5px; float: left; min-height: 1px; text-align: right; } .zcwf_lblRight .zcwf_col_fld { float: left; width: 68%; padding: 0px 6px 0px; position: relative; margin-top: 5px; } .zcwf_lblRight .zcwf_privacy{padding: 6px;} .zcwf_lblRight .wfrm_fld_dpNn{display: none;} .dIB{display: inline-block;} .zcwf_lblRight .zcwf_col_fld_slt { width: 60%; border: 1px solid #ccc; background: #fff; border-radius: 4px; font-size: 16px; float: left; resize: vertical; } .zcwf_lblRight .zcwf_row:after, .zcwf_lblRight .zcwf_col_fld:after { content: ''; display: table; clear: both; } .zcwf_lblRight .zcwf_col_help { float: left; margin-left: 7px; font-size: 16px; max-width: 35%; word-break: break-word; } .zcwf_lblRight .zcwf_help_icon { cursor: pointer; width: 16px; height: 16px; display: inline-block; background: #fff; border: 1px solid #ccc; color: #ccc; text-align: center; font-size: 11px; line-height: 16px; font-weight: bold; border-radius: 50%; } .zcwf_lblRight .zcwf_row {margin: 15px 0px;} .zcwf_lblRight .formsubmit { margin-right: 5px; cursor: pointer; color: #333; font-size: 16px; } .zcwf_lblRight .zcwf_privacy_txt { color: rgb(0, 0, 0); font-size: 16px; font-family: Arial; display: inline-block; vertical-align: top; color: #333; padding-top: 2px; margin-left: 6px; } .zcwf_lblRight .zcwf_button { font-size: 16px; color: #333; border: 1px solid #ccc; padding: 3px 9px; border-radius: 4px; cursor: pointer; max-width: 120px; overflow: hidden; text-overflow: ellipsis; white-space: nowrap; } .zcwf_lblRight .zcwf_tooltip_over{ position: relative; } .zcwf_lblRight .zcwf_tooltip_ctn{ position: absolute; background: #dedede; padding: 3px 6px; top: 3px; border-radius: 4px;word-break: break-all; min-width: 50px; max-width: 150px; color: #333; } .zcwf_lblRight .zcwf_ckbox{ float: left; } .zcwf_lblRight .zcwf_file{ width: 55%; box-sizing: border-box; float: left; } .clearB:after{ content:''; display: block; clear: both; } @media all and (max-width: 600px) { .zcwf_lblRight .zcwf_col_lab, .zcwf_lblRight .zcwf_col_fld { width: auto; float: none !important; } .zcwf_lblRight .zcwf_col_help {width: 40%;} .zcwf_lblRight.zcwf_rtl .zcwf_col_lab {text-align: left;} .zcwf_lblRight.zcwf_rtl .zcwf_col_lab {text-align: right;} }
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    /* Do not remove this code. */ function reloadImg3883025000007740007() { var captcha = document.getElementById('imgid3883025000007740007'); if(captcha.src.indexOf('&d') !== -1 ) { captcha.src = captcha.src.substring(0, captcha.src.indexOf('&d'))+'&d'+new Date().getTime(); }else{ captcha.src = captcha.src+'&d'+new Date().getTime(); } } function validateEmail3883025000007740007() { var form = document.forms['WebToLeads3883025000007740007']; var emailFld = form.querySelectorAll('[ftype=email]'); var i; for (i = 0; i < emailFld.length; i++) { var emailVal = emailFld[i].value; if((emailVal.replace(/^\s+|\s+$/g, '')).length!=0 ) { var atpos=emailVal.indexOf('@'); var dotpos=emailVal.lastIndexOf('.'); if (atpos<1 || dotpos=emailVal.length) { alert('Please enter a valid email address. '); emailFld[i].focus(); return false; } } } return true; } function checkMandatory3883025000007740007() { var mndFileds = new Array('Company','First Name','Last Name','Email','Phone'); var fldLangVal = new Array('Company','First\x20Name','Last\x20Name','Email','Phone'); for(i=0;i<mndFileds.length;i++) { var fieldObj=document.forms['WebToLeads3883025000007740007'][mndFileds[i]]; if(fieldObj) { if (((fieldObj.value).replace(/^\s+|\s+$/g, '')).length==0) { if(fieldObj.type =='file') { alert('Please select a file to upload.'); fieldObj.focus(); return false; } alert(fldLangVal[i] +' cannot be empty.'); fieldObj.focus(); return false; } else if(fieldObj.nodeName=='SELECT') { if(fieldObj.options[fieldObj.selectedIndex].value=='-None-') { alert(fldLangVal[i] +' cannot be none.'); fieldObj.focus(); return false; } } else if(fieldObj.type =='checkbox'){ if(fieldObj.checked == false){ alert('Please accept '+fldLangVal[i]); fieldObj.focus(); return false; } } try { if(fieldObj.name == 'Last Name') { name = fieldObj.value; } } catch (e) {} } } if(!validateEmail3883025000007740007()){return false;} document.querySelector('.crmWebToEntityForm .formsubmit').setAttribute('disabled', true); } function tooltipShow3883025000007740007(el){ var tooltip = el.nextElementSibling; var tooltipDisplay = tooltip.style.display; if(tooltipDisplay == 'none'){ var allTooltip = document.getElementsByClassName('zcwf_tooltip_over'); for(i=0; i<allTooltip.length; i++){ allTooltip[i].style.display='none'; } tooltip.style.display = 'block'; }else{ tooltip.style.display='none'; } }
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    html,body{ margin: 0px; } #crmWebToEntityForm.zcwf_lblRight { width:100%; padding: 25px; margin: 0 auto; box-sizing: border-box; } #crmWebToEntityForm.zcwf_lblRight * { box-sizing: border-box; } #crmWebToEntityForm{text-align: left;} #crmWebToEntityForm * { direction: ltr; } .zcwf_lblRight .zcwf_title { word-wrap: break-word; padding: 0px 6px 10px; font-weight: bold; } .zcwf_lblRight .zcwf_col_fld input[type=text], .zcwf_lblRight .zcwf_col_fld textarea { width: 60%; border: 1px solid #c0c6cc !important; resize: vertical; border-radius: 2px; float: left; } .zcwf_lblRight .zcwf_col_lab { width: 30%; word-break: break-word; padding: 0px 6px 0px; margin-right: 10px; margin-top: 5px; float: left; min-height: 1px; text-align: right; } .zcwf_lblRight .zcwf_col_fld { float: left; width: 68%; padding: 0px 6px 0px; position: relative; margin-top: 5px; } .zcwf_lblRight .zcwf_privacy{padding: 6px;} .zcwf_lblRight .wfrm_fld_dpNn{display: none;} .dIB{display: inline-block;} .zcwf_lblRight .zcwf_col_fld_slt { width: 60%; border: 1px solid #ccc; background: #fff; border-radius: 4px; font-size: 16px; float: left; resize: vertical; padding: 2px 5px; } .zcwf_lblRight .zcwf_row:after, .zcwf_lblRight .zcwf_col_fld:after { content: ''; display: table; clear: both; } .zcwf_lblRight .zcwf_col_help { float: left; margin-left: 7px; font-size: 16px; max-width: 35%; word-break: break-word; } .zcwf_lblRight .zcwf_help_icon { cursor: pointer; width: 16px; height: 16px; display: inline-block; background: #fff; border: 1px solid #c0c6cc; color: #c1c1c1; text-align: center; font-size: 11px; line-height: 16px; font-weight: bold; border-radius: 50%; } .zcwf_lblRight .zcwf_row {margin: 15px 0px;} .zcwf_lblRight .formsubmit { margin-right: 5px; cursor: pointer; color: var(--baseColor); font-size: 16px; } .zcwf_lblRight .zcwf_privacy_txt { width: 90%; color: rgb(0, 0, 0); font-size: 16px; font-family: Arial; display: inline-block; vertical-align: top; color: var(--baseColor); padding-top: 2px; margin-left: 6px; } .zcwf_lblRight .zcwf_button { font-size: 16px; color: var(--baseColor); border: 1px solid #c0c6cc; padding: 3px 9px; border-radius: 4px; cursor: pointer; max-width: 120px; overflow: hidden; text-overflow: ellipsis; white-space: nowrap; } .zcwf_lblRight .zcwf_tooltip_over{ position: relative; } .zcwf_lblRight .zcwf_tooltip_ctn{ position: absolute; background: #dedede; padding: 3px 6px; top: 3px; border-radius: 4px;word-break: break-word; min-width: 100px; max-width: 150px; color: var(--baseColor); z-index: 100; } .zcwf_lblRight .zcwf_ckbox{ float: left; } .zcwf_lblRight .zcwf_file{ width: 55%; box-sizing: border-box; float: left; } .clearB:after{ content:''; display: block; clear: both; } @media all and (max-width: 800px) { .zcwf_lblRight .zcwf_col_lab, .zcwf_lblRight .zcwf_col_fld { width: auto; float: none !important; } .zcwf_lblRight .zcwf_col_help {width: 40%;} .zcwf_lblRight.zcwf_rtl .zcwf_col_lab {text-align: left;} .zcwf_lblRight.zcwf_rtl .zcwf_col_lab {text-align: right;} }
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    /* Do not remove this code. */ function reloadImg3883025000007740007() { var captcha = document.getElementById('imgid3883025000007740007'); if(captcha.src.indexOf('&d') !== -1 ) { captcha.src = captcha.src.substring(0, captcha.src.indexOf('&d'))+'&d'+new Date().getTime(); }else{ captcha.src = captcha.src+'&d'+new Date().getTime(); } } function validateEmail3883025000007740007() { var form = document.forms['WebToLeads3883025000007740007']; var emailFld = form.querySelectorAll('[ftype=email]'); var i; for (i = 0; i < emailFld.length; i++) { var emailVal = emailFld[i].value; if((emailVal.replace(/^\s+|\s+$/g, '')).length!=0 ) { var atpos=emailVal.indexOf('@'); var dotpos=emailVal.lastIndexOf('.'); if (atpos<1 || dotpos=emailVal.length) { alert('Please enter a valid email address. '); emailFld[i].focus(); return false; } } } return true; } function checkMandatory3883025000007740007() { var mndFileds = new Array('Company','First Name','Last Name','Email','Phone'); var fldLangVal = new Array('Company','First\x20Name','Last\x20Name','Email','Phone'); for(i=0;i<mndFileds.length;i++) { var fieldObj=document.forms['WebToLeads3883025000007740007'][mndFileds[i]]; if(fieldObj) { if (((fieldObj.value).replace(/^\s+|\s+$/g, '')).length==0) { if(fieldObj.type =='file') { alert('Please select a file to upload.'); fieldObj.focus(); return false; } alert(fldLangVal[i] +' cannot be empty.'); fieldObj.focus(); return false; } else if(fieldObj.nodeName=='SELECT') { if(fieldObj.options[fieldObj.selectedIndex].value=='-None-') { alert(fldLangVal[i] +' cannot be none.'); fieldObj.focus(); return false; } } else if(fieldObj.type =='checkbox'){ if(fieldObj.checked == false){ alert('Please accept '+fldLangVal[i]); fieldObj.focus(); return false; } } try { if(fieldObj.name == 'Last Name') { name = fieldObj.value; } } catch (e) {} } } trackVisitor3883025000007740007(); if(!validateEmail3883025000007740007()){return false;} document.querySelector('.crmWebToEntityForm .formsubmit').setAttribute('disabled', true); } function tooltipShow3883025000007740007(el){ var tooltip = el.nextElementSibling; var tooltipDisplay = tooltip.style.display; if(tooltipDisplay == 'none'){ var allTooltip = document.getElementsByClassName('zcwf_tooltip_over'); for(i=0; i<allTooltip.length; i++){ allTooltip[i].style.display='none'; } tooltip.style.display = 'block'; }else{ tooltip.style.display='none'; } } var $zoho= $zoho || {};$zoho.salesiq = $zoho.salesiq || {widgetcode:'bd812ff9f10013ac6c2e466111bbef8d9b784a397f834181032d1271a5311a8cfd06c71ed649cf90a8aa7eac3c82f084', values:{},ready:function(){}};var d=document;s=d.createElement('script');s.type='text/javascript';s.id='zsiqscript';s.defer=true;s.src='https://salesiq.zoho.com/widget';t=d.getElementsByTagName('script')[0];t.parentNode.insertBefore(s,t);function trackVisitor3883025000007740007(){try{if($zoho){var LDTuvidObj = document.forms['WebToLeads3883025000007740007']['LDTuvid'];if(LDTuvidObj){LDTuvidObj.value = $zoho.salesiq.visitor.uniqueid();}var firstnameObj = document.forms['WebToLeads3883025000007740007']['First Name'];if(firstnameObj){name = firstnameObj.value +' '+name;}$zoho.salesiq.visitor.name(name);var emailObj = document.forms['WebToLeads3883025000007740007']['Email'];if(emailObj){email = emailObj.value;$zoho.salesiq.visitor.email(email);}}} catch(e){}}
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