HMDA Data Trends And Analysis

Callahan's analysts examine changes in market share at national, regional, and state levels using HMDA data.
By Callahan & Associates, Inc.

Congress enacted the Home Mortgage Disclosure Act (HMDA) in 1975 to mitigate concerns about perceived credit shortages throughout the United States. As the name suggests, HMDA requires lending institutions to publicly disclose mortgage loan data on an annual basis.

Although there is a nine-month lag in HMDA reporting, credit unions should not underestimate the depth and breadth of the data set. At a broader level, HMDA data captures the state of the housing market that underlies the U.S. economy. At the local level, it tracks mortgage originators and their market share, which is shifting as fintech mortgage companies become more adept at reaching potential homeowners online.

Using HMDA data, in this webinar Callahan’s analysts examine changes in market share at national, regional, and state levels; shifting origination dynamics, such as the balance of purchase versus refinanced mortgages; and much more. Viewers will also learn about the changing face of home ownership and how credit unions can leverage HMDA data to heighten their competitive advantage.


Part 1: Introduction

Part 2: Why HMDA Matters

Part 3: 40,000 ft. View

Part 4: A Note About Credit Union Market Share

Part 5: Credit Union Refinance Composition Increases

Part 6: Credit Union Market Share

Part 7: Question Answer

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