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Cascade: No. 59, Fall 2005

2004 Home Mortgage Disclosure Act Data Released

The Federal Financial Institutions Examination Council (FFIEC) has announced the availability of 2004 data on mortgage lending transactions at 8,853 financial institutions covered by the Home Mortgage Disclosure Act (HMDA).

The data reflect new information collected for the first time in 2004, including information on loan pricing, whether a loan or application relates to manufactured housing, and whether a loan is secured by a first or subordinate lien or is unsecured.

An analysis of the 2004 data is contained in an article in the Federal Reserve Bulletin entitled “New Information Reported under HMDA and Its Application in Fair Lending Enforcement.” The article can be found at www.federalreserve.gov.

The FFIEC’s press release may be seen at www.ffiec.gov/press.htm. Disclosure statements and aggregate reports are available at www.ffiec.gov/hmda.