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Residential Mortgage Lending in 2016: Evidence from the Home Mortgage Disclosure Act Data

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Abstract

This article provides an overview of the 2016 data reported under the Home Mortgage Disclosure Act of 1975 and analyzes mortgage market activity over time as well as lending patterns across different demographic groups and lender types. The number of home-purchase originations was about 10 percent higher in 2016 than in 2015, and the number of refinance loans was 16 percent higher. The increase in lending was broad based across demographic and income categories.

Suggested Citation

  • Neil Bhutta & Steven Laufer & Daniel R. Ringo, 2017. "Residential Mortgage Lending in 2016: Evidence from the Home Mortgage Disclosure Act Data," Federal Reserve Bulletin, Board of Governors of the Federal Reserve System (U.S.), vol. 103(6), November.
    • Handle: RePEc:fip:fedgrb:89520
    DOI: 10.17016/bulletin.2017.103-6
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    File URL: https://www.federalreserve.gov/publications/2017-november-residential-mortgage-lending-in-2016.htm
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    Cited by:

    1. Neil Bhutta & Aurel Hizmo, 2020. "Do Minorities Pay More for Mortgages?," Finance and Economics Discussion Series 2020-007, Board of Governors of the Federal Reserve System (U.S.).
    2. van der Plaat, Mark, 2020. "Loan sales and the tyranny of tistance in U.S. residential mortgage lending," MPRA Paper 107519, University Library of Munich, Germany, revised 20 Apr 2021.
    3. van der Plaat, Mark T., 2021. "How to Measure Securitization: A Structural Equation Approach," MPRA Paper 109735, University Library of Munich, Germany.
    4. Bayoumi, Tamim & Barkema, Jelle, 2022. "The Economic Consequences of IT," SocArXiv 8u6an, Center for Open Science.
    5. James Conklin & Kristopher Gerardi & Lauren Lambie-Hanson, 2022. "Can Everyone Tap Into the Housing Piggy Bank? Racial Disparities in Access to Home Equity," FRB Atlanta Working Paper 2022-17, Federal Reserve Bank of Atlanta.
    6. You Suk Kim & Steven M. Laufer & Karen Pence & Richard Stanton & Nancy Wallace, 2018. "Liquidity Crises in the Mortgage Market," Brookings Papers on Economic Activity, Economic Studies Program, The Brookings Institution, vol. 49(1 (Spring), pages 347-428.
    7. W. Scott Frame & Kristopher Gerardi & Erik J. Mayer & Billy Xu & Lawrence Zhao, 2024. "Government Litigation Risk and the Decline in Low-Income Mortgage Lending," FRB Atlanta Working Paper 2024-6, Federal Reserve Bank of Atlanta.
    8. Mark T. Plaat & Laura Spierdijk, 2024. "Do Different Bank-Level Securitization Variables Measure The Same Thing? A Confirmatory Factor Analysis," De Economist, Springer, vol. 172(4), pages 339-363, December.
    9. Yunho Cho & James Morley & Aarti Singh, 2024. "Did marginal propensities to consume change with the housing boom and bust?," Journal of Applied Econometrics, John Wiley & Sons, Ltd., vol. 39(1), pages 174-199, January.

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