Historical Home Mortgage Disclosure Act (HMDA) Data
Principal Investigator(s): View help for Principal Investigator(s) Andrew Forrester
Version: View help for Version V1
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application/zip | 39.2 MB | 10/09/2021 10:55:AM |
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application/zip | 61.6 MB | 10/09/2021 11:28:AM |
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application/zip | 73.6 MB | 10/09/2021 11:10:AM |
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application/zip | 112.1 MB | 10/09/2021 11:10:AM |
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application/zip | 146.1 MB | 10/09/2021 11:09:AM |
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application/zip | 117.6 MB | 10/09/2021 11:09:AM |
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application/zip | 108.8 MB | 10/09/2021 11:09:AM |
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application/zip | 145.6 MB | 10/09/2021 11:09:AM |
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application/zip | 161.9 MB | 10/09/2021 11:09:AM |
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application/zip | 243.2 MB | 10/09/2021 11:09:AM |
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Project Citation:
Forrester, Andrew. Historical Home Mortgage Disclosure Act (HMDA) Data. Ann Arbor, MI: Inter-university Consortium for Political and Social Research [distributor], 2021-10-10. https://doi.org/10.3886/E151921V1
Project Description
Summary:
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Historical Home Mortgage Disclosure Act (HMDA) Data Files
The Home Mortgage Disclosure Act (HMDA) is a near census of mortgage lending activity in the United States implemented by the Federal Reserve Board's Regulation C. Under HMDA, financial institutions are required to submit detailed records on loan applications and their ultimate outcomes, viz. origination, denial, application withdrawal, etc. HMDA forms the backbone of analysis into U.S. mortgage markets by providing detailed information about mortgage borrowers, lenders, and properties.
Since 2006, the HMDA data were published by the Federal Financial Institutions Examination Council (FFIEC) in an accessible format (CSV). Prior to 2006, the data are only available from the National Archives in fixed-width text format. This project seeks to convert the data prior to 2006 into a more accessible delimited format for easier analysis into historical mortgage market trends.
These data are provided as-is. I will continue to refine these data over time to provide the most accurate data on historical market trends. All codes will be available on my GitHub account.
Important Note: Since the HMDA data include detailed information on borrowers, loan amounts, and property locations (by census tract) it may be possible (albeit incredibly time and resource intensive) to match the HMDA records with publicly available borrower information. Do not do this. It is unethical to conduct research by identifying individuals from these public data. In fact, in downloading these ICPSR clearly states that one should "not use these datasets for investigation of specific RESEARCH SUBJECTS, except when identification is authorized in writing by ICPSR." The HMDA data are collected and published to further the goal of anti-discrimination in U.S. housing markets. Using the data to re-identify borrowers is clearly a violation of this objective.
Since 2006, the HMDA data were published by the Federal Financial Institutions Examination Council (FFIEC) in an accessible format (CSV). Prior to 2006, the data are only available from the National Archives in fixed-width text format. This project seeks to convert the data prior to 2006 into a more accessible delimited format for easier analysis into historical mortgage market trends.
These data are provided as-is. I will continue to refine these data over time to provide the most accurate data on historical market trends. All codes will be available on my GitHub account.
Important Note: Since the HMDA data include detailed information on borrowers, loan amounts, and property locations (by census tract) it may be possible (albeit incredibly time and resource intensive) to match the HMDA records with publicly available borrower information. Do not do this. It is unethical to conduct research by identifying individuals from these public data. In fact, in downloading these ICPSR clearly states that one should "not use these datasets for investigation of specific RESEARCH SUBJECTS, except when identification is authorized in writing by ICPSR." The HMDA data are collected and published to further the goal of anti-discrimination in U.S. housing markets. Using the data to re-identify borrowers is clearly a violation of this objective.
Scope of Project
Subject Terms:
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mortgages;
Federal National Mortgage Association;
Federal Home Loan Mortgage Corporation;
federal housing programs
Geographic Coverage:
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United States
Time Period(s):
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1981 – 2006
Methodology
Data Source:
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National Archives, Record Group 82
Unit(s) of Observation:
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Census Tract (1981-1989) or Borrower (1990-on)
Geographic Unit:
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Census Tract
Related Publications
Published Versions
Report a Problem
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This material is distributed exactly as it arrived from the data depositor. ICPSR has not checked or processed this material. Users should consult the investigator(s) if further information is desired.