Home Mortgage Disclosure Act (HMDA) Data for New England 
October 29, 2018
The Home Mortgage Disclosure Act was enacted by Congress in 1975 and is implemented by the Federal Reserve Board's Regulation C. This regulation provides the public with loan data that can be used to assist: in determining whether financial institutions are serving the housing needs of their communities; public officials in distributing public-sector investments so as to attract private investment to areas where it is needed; and in identifying possible discriminatory lending patterns. This regulation applies to certain financial institutions, including banks, savings associations, credit unions, and other mortgage lending institutions.
2016
Issue Brief
- 2016 Mortgage Lending Trends in New England
Amy Higgins
HMDA Data Tables
- 2016 Mortgage Applications by State and Purpose
- 2016 New England Home Mortgage Loans by State: Action Taken
- 2016 New England Originated Home Mortgage Loans by State: Loan Type
- 2016 New England Home Mortgage Loans by State and Race/Ethnicity: Applications, Originations, High APR Loans and Denial Rates
- 2016 New England Home Mortgage Loans by Type of Loan and Race/Ethnicity
- 2016 Home Mortgage Loans by Type of Loan and Race/Ethnicity: Applications, Originations and Denial Rates
- Home Purchase and Refinance Loans by State and Low-and-Moderate-Income (LMI) Borrowers and Census Tracts:
LMI and non-LMI Borrowers
LMI and non-LMI Census Tracts - Home Mortgage Loans by State and Loan Purpose, 2006 to 2016:
Applications, Originations and Denial Rates
Percent of High-APR, Conventional and FHA Loans
Home Mortgage Loans by Race/Ethnicity and Type of Loan: Applications, Originations and Denial Rates, and High-APR Loan
2015
Issue Brief
- 2015 Mortgage Lending Trends in New England
Amy Higgins
HMDA Data Tables
- Mortgage Applications by State and Purpose
- Home Purchase and Refinance Loans by State: Applications, Originations, Denial Rates and High-Priced Loans
- Home Purchase and Refinance Loans by State: Originations and Type of Loans
- Home Purchase and Refinance Loans by State and Race/Ethnicity: Applications, Originations, Denial Rates and High-Priced Loans
- Home Purchase and Refinance Loans by Income and Race/Ethnicity: Applications, Originations, Denial Rates and Percent of High-APR Loans in New England
- Home Mortgage Loans by Race/Ethnicity and Type of Loans: Applications, Originations, and Denial Rates in New England
- Home Purchase and Refinance Loans by State and Low-and-Moderate-Income (LMI) Borrowers and Census Tracts:
LMI and non-LMI Borrowers
LMI and non-LMI Census Tracts - Home Mortgage Loans by State and Loan Purpose, 2006 to 2015:
Applications, Originations and Denial Rates
Percent of High-APR, Conventional and FHA Loans
Home Mortgage Loans by Race/Ethnicity and Type of Loan: Applications, Originations and Denial Rates, and High-APR Loan
2014
HMDA Data Tables
- Mortgage Applications by State and Purpose
- Home Purchase and Refinance Loans by State: Applications, Originations, Denial Rates and High-Priced Loans
- Home Purchase and Refinance Loans by State: Originations and Type of Loans
- Home Purchase and Refinance Loans by State and Race/Ethnicity: Applications, Originations, Denial Rates and High-Priced Loans
- Home Purchase and Refinance Loans by Income and Race/Ethnicity: Applications, Originations, Denial Rates and Percent of High-APR Loans in New England
- Home Mortgage Loans by Race/Ethnicity and Type of Loans: Applications, Originations, and Denial Rates in New England
- Home Purchase and Refinance Loans by State and Low- and Moderate-Income (LMI) Borrowers and Census Tracts:
LMI and non-LMI Borrowers
LMI and non-LMI Census Tracts - Home Mortgage Loans by State and Loan Purpose, 2006 to 2014:
Applications, Originations and Denial Rates
Percent of High-APR, Conventional and FHA Loans
Home Mortgage Loans by Race/Ethnicity and Type of Loan: Applications, Originations and Denial Rates, and High-APR Loan
2013
HMDA Data Tables
- Mortgage Applications by State and Purpose
- Home Purchase and Refinance Loans by State:
Applications, Originations, Denial Rates and High-Priced Loans - Home Purchase and Refinance Loans by State:
Originations and Type of Loan - Home Purchase and Refinance Loans by State and Race/Ethnicity:
Applications, Originations, Denial Rates and High-Priced Loans - Home Purchase and Refinance Loans by Income and Race/Ethnicity:
Applications, Originations, Denial Rates and Percent of High-APR Loans in New England
- Home Mortgage Loans by Race/Ethnicity and Type of Loan:
Applications, Originations, and Denial Rates in New England - Home Purchase and Refinance Loans by State and Low- and Moderate-Income (LMI) Borrowers and Census Tracts:
Applications, Originations and Denial Rates and Type of Loan for LMI and non-LMI Borrowers - Home Mortgage Loans by State and Loan Purpose:
Applications, Originations and Denial Rates
Percent of High-APR, Conventional and FHA Loans
Home Mortgage Loans by Race/Ethnicity and Type of Loan: Applications, Originations and Denial Rates, and High-APR Loan
2012
Issue Brief
- Mortgage Lending in New England: Key Trends and Observations in 2012
by Kseniya Benderskaya
HMDA Data Tables
- Mortgage Applications by State and Purpose
- Home Purchase and Refinance Loans by State:
Applications, Originations, Denial Rates and High-Priced Loans - Home Purchase and Refinance Loans by State:
Originations and Type of Loan - Home Purchase and Refinance Loans by State and Race/Ethnicity:
Applications, Originations, Denial Rates and High-Priced Loans - Home Purchase and Refinance Loans by Income and Race/Ethnicity:
Applications, Originations, Denial Rates and Percent of High-APR Loans
All New England - Home Mortgage Loans by Race/Ethnicity and Type of Loan:
Applications, Originations, and Denial Rates
States and All New England - Home Purchase and Refinance Loans by State and Low and Moderate Income (LMI) Borrowers and Census Tracts: Applications, Originations and Denial Rates and Type of Loan
LMI and non-LMI Borrowers - Home Purchase and Refinance Loans by State, 2006 to 2012
Home Mortgage Loans by State and Loan Purpose: Applications, Originations and Denial Rates
Home Mortgage Loans by State and Loan Purpose: Percent of High-APR, Conventional and FHA Loans
Home Mortgage Loans by Race/Ethnicity and Type of Loan: Applications, Originations and Denial Rates, and High-APR Loan
2011
HMDA Data Tables
- Mortgage Applications by State and Purpose
- Home Purchase and Refinance Loans by State:
Applications, Originations, Denial Rates and High-Priced Loans - Home Purchase and Refinance Loans by State:
Originations and Type of Loan - Home Purchase and Refinance Loans by State and Race/Ethnicity:
Applications, Originations, Denial Rates and High-Priced Loans - Home Purchase and Refinance Loans by Income and Race/Ethnicity:
Applications, Originations, Denial Rates and Percent of High-APR Loans
All New England - Home Mortgage Loans by Race/Ethnicity and Type of Loan:
Applications, Originations, and Denial Rates
States and All New England - Home Purchase and Refinance Loans by State and Low and Moderate Income (LMI) Borrowers and Census Tracts: Applications, Originations and Denial Rates and Type of Loan
LMI and non-LMI Borrowers
LMI and non-LMI Census Tracts - Home Purchase and Refinance Loans by State, 2006 to 2011
Home Mortgage Loans by State and Loan Purpose: Applications, Originations and Denial Rates
Home Mortgage Loans by State and Loan Purpose: Percent of High-APR, Conventional and FHA Loans
Home Mortgage Loans by Race/Ethnicity and Type of Loan: Applications, Originations and Denial Rates, and High-APR Loan
Home Mortgage Denial Rates by Income and Race/Ethnicity
2010
Discussion Paper
- Home-Mortgage Lending Trends in New England in 2010
by Ana Patricia Muñoz
HMDA Data Tables
- Mortgage Applications by State and Purpose
- Home Purchase and Refinance Loans by State:
Applications, Originations, Denial Rates and High-Priced Loans - Home Purchase and Refinance Loans by State:
Originations and Type of Loan - Home Purchase and Refinance Loans by State and Race/Ethnicity:
Applications, Originations, Denial Rates and High-Priced Loans - Home Purchase and Refinance Loans by Income and Race/Ethnicity:
Applications, Originations, Denial Rates and Percent of High-APR Loans
All New England - Home Mortgage Loans by Race/Ethnicity and Type of Loan:
Applications, Originations, and Denial Rates
States and All New England - Home Purchase and Refinance Loans by State and Low and Moderate Income (LMI) Borrowers and Census Tracts: Applications, Originations and Denial Rates and Type of Loan
LMI and non-LMI Borrowers
LMI and non-LMI Census Tracts - Home Purchase and Refinance Loans by State, 2006 to 2010
Home Mortgage Loans by State and Loan Purpose: Applications, Originations and Denial Rates
Home Mortgage Loans by State and Loan Purpose: Percent of High-APR, Conventional and FHA Loans
Home Mortgage Loans by Race/Ethnicity and Type of Loan: Applications, Originations and Denial Rates, and High-APR Loan
Home Mortgage Denial Rates by Income and Race/Ethnicity
2009
HMDA Data Tables
- Mortgage Applications by State and Purpose
- Home Purchase and Refinance Loans by State:
Applications, Originations, Denial Rates and High-Priced Loans - Home Purchase and Refinance Loans by State:
Originations and Type of Loan - Home Purchase and Refinance Loans by State and Race/Ethnicity:
Applications, Originations, Denial Rates and High-Priced Loans - Home Purchase and Refinance Loans by Income and Race/Ethnicity:
Applications, Originations, Denial Rates and Percent of High-APR Loans
All New England - Home Mortgage Loans by Race/Ethnicity and Type of Loan:
Applications, Originations, and Denial Rates
All New England
2008
HMDA Data Tables
- Mortgage Applications by State and Purpose
- Home Purchase and Refinance Loans by State: Applications, Originations, Denial Rates and High-Priced Loans
- Home Purchase and Refinance Loans by State: Originations and Type of Loan
- Home Purchase and Refinance Loans by State and Race/Ethnicity: Applications, Originations, Denial Rates and High-Priced Loans
- Home Purchase and Refinance Loans by Income and Race/Ethnicity:
Applications, Originations, Denial Rates and Percent of High-APR Loans
All New England - Home Mortgage Loans by Race/Ethnicity and Type of Loan:
Applications, Originations, and Denial Rates
All New England
2007
HMDA Data Tables
- Mortgage Applications by State and Purpose
- Home Purchase and Refinance Loans by State:
Applications, Originations, Denial Rates and High-Priced Loans - Home Purchase and Refinance Loans by State: Originations and Type of Loan
- Home Purchase and Refinance Loans by State and Race/Ethnicity: Applications, Originations, Denial Rates and High-Priced Loans
- Home Purchase and Refinance Loans by Income and Race/Ethnicity:
Applications, Originations, Denial Rates and Percent of High-APR Loans
All New England - Home Mortgage Loans by Race/Ethnicity and Type of Loan:
Applications, Originations, and Denial Rates
All New England
2006
HMDA Data Tables
- Mortgage Applications by State and Purpose
- Home Purchase and Refinance Loans by State: Applications, Originations, Denial Rates and High-Priced Loans
- Home Purchase and Refinance Loans by State: Originations and Type of Loan
- Home Purchase and Refinance Loans by State and Race/Ethnicity: Applications, Originations, Denial Rates and High-Priced Loans
- Home Purchase and Refinance Loans by Income and Race/Ethnicity:
Applications, Originations, Denial Rates and Percent of High-APR Loans
All New England - Home Mortgage Loans by Race/Ethnicity and Type of Loan:
Applications, Originations, and Denial Rates
All New England - Home Purchase and Refinance Loans by State and Low and Moderate Income (LMI) Borrowers and Census Tracts: Applications, Originations and Denial Rates and Type of Loan
LMI and non-LMI Borrowers
LMI and non-LMI Census Tracts
2005
HMDA Data Tables
- MSA Detail: Applications & Actions
- MSA Detail: Applications & Actions by Loan Type
- MSA Detail: Applications & Actions by Lien Status
- MSA Detail: Applications & Actions by Property Type
- MSA Detail: Applications & Actions by Lien Status and Loan Type
Income Level
- Applications & Actions by Income Level and Loan Type
- Applications & Actions by Income Level and Lien Status
- Applications & Actions by Income Level and Property Type
- Applications & Actions by Income Level, Loan Type, and Lien Status
- MSA Detail:Applications & Actions by Income Level
Race/Ethnicity
- Applications & Actions by Race/Ethnicity (Summary) and Loan Type
- Applications & Actions by Race/Ethnicity (Summary) and Lien Status
- Applications & Actions by Race/Ethnicity (Summary) and Property Type
- Applications & Actions by Race/Ethnicity (Summary), Loan Type, and Lien Status
- MSA Detail: Applications & Actions by Race/Ethnicity (Summary)
- MSA Detail: Applications & Actions by Race (Detail)
- MSA Detail: Applications & Actions by Ethnicity (Detail)
- Applications & Actions by Race/Ethnicity, Low-to-Moderate Income Status, and Loan Type
- Applications & Actions by Race/Ethnicity, Low-to-Moderate Income Status, and Lien Status
- Applications & Actions by Race/Ethnicity, Low-to-Moderate Income Status, and Property Type
- MSA Detail: Applications & Actions by Race/Ethnicity and Income Level
- MSA Detail: Distribution of Rate Spreads
- MSA Detail: Distribution of Rate Spreads by Loan Type
- MSA Detail: Distribution of Rate Spreads by Lien Status
- MSA Detail: Distribution of Rate Spreads by Property Type
- MSA Detail: Distribution of Rate Spreads by Income Level
- MSA Detail: Distribution of Rate Spreads by Race/Ethnicity (Summary)
- MSA Detail: Median & Mean Rate Spread for Higher-priced Loans by Income Level
- MSA Detail: Median & Mean Rate Spread for Higher-priced Loans by Race/Ethnicity (Summary)
Data Source: 2005 Home Mortgage Disclosure Act (HMDA) Data
Additional tabulations are available from Federal Financial Institutions Examination Council (FFIEC).
2004
HMDA Data Tables
- MSA Detail: Applications & Actions
- MSA Detail: Applications & Actions by Loan Type
- MSA Detail: Applications & Actions by Lien Status
- MSA Detail: Applications & Actions by Property Type
- MSA Detail: Applications & Actions by Lien Status and Loan Type
- Applications & Actions by Income Level and Loan Type
- Applications & Actions by Income Level and Lien Status
- Applications & Actions by Income Level and Property Type
- Applications & Actions by Income Level, Loan Type, and Lien Status
- MSA Detail:Applications & Actions by Income Level
- Applications & Actions by Race/Ethnicity (Summary) and Loan Type
- Applications & Actions by Race/Ethnicity (Summary) and Lien Status
- Applications & Actions by Race/Ethnicity (Summary) and Property Type
- Applications & Actions by Race/Ethnicity (Summary), Loan Type, and Lien Status
- MSA Detail: Applications & Actions by Race/Ethnicity (Summary)
- MSA Detail: Applications & Actions by Race (Detail)
- MSA Detail: Applications & Actions by Ethnicity (Detail)
- Applications & Actions by Race/Ethnicity, Low-to-Moderate Income Status, and Loan Type
- Applications & Actions by Race/Ethnicity, Low-to-Moderate Income Status, and Lien Status
- Applications & Actions by Race/Ethnicity, Low-to-Moderate Income Status, and Property Type
- MSA Detail: Applications & Actions by Race/Ethnicity and Income Level
- MSA Detail: Distribution of Rate Spreads
- MSA Detail: Distribution of Rate Spreads by Loan Type
- MSA Detail: Distribution of Rate Spreads by Lien Status
- MSA Detail: Distribution of Rate Spreads by Property Type
- MSA Detail: Distribution of Rate Spreads by Income Level
- MSA Detail: Distribution of Rate Spreads by Race/Ethnicity (Summary)
- MSA Detail: Median & Mean Rate Spread for Higher-priced Loans by Income Level
- MSA Detail: Median & Mean Rate Spread for Higher-priced Loans by Race/Ethnicity (Summary)
Data Source: 2004 Home Mortgage Disclosure Act (HMDA) Data
Note: Please note that "Home Mortgage Disclosure Act data has limitations that make them an inadequate basis, absent other information, for concluding that an institution has not assisted adequately in meeting its community's credit needs or has engaged in illegal lending discrimination." (The Board of Governors of the Federal Reserve System).
1999-2003
HMDA Data Tables
New England
- Total Applications and Actions
- Rates of Application Actions
- MSA Detail: Total Applications
- MSA Detail: Origination Rates
- MSA Detail: Denial Rates
- Applications by Income Level
- Originations by Income Level
- Disposition of Applications by Income Level
- Origination Rates by Income Level
- Denial Rates by Income Level
- MSA Detail: Percentage of Applications from LMI Households
- MSA Detail: Percentage of Originations to LMI Households
- MSA Detail: Origination Rates by LMI Status
- MSA Detail: Denial Rates by LMI Status
- Disposition of Applications by Race/Ethnicity
- Disposition of Applications by Race/Ethnicity (MSA areas only)
- Applications by Race/Ethnicity
- Applications by Race/Ethnicity (MSA areas only)
- Originations by Race/Ethnicity
- Originations by Race/Ethnicity (MSA areas only)
- Origination Rates by Race/Ethnicity
- Denial Rates by Race/Ethnicity
- MSA Detail: Application Volume by Race/Ethnicity
- MSA Detail: Origination Rate, Selected Races/Ethnicities
- MSA Detail: Denial Rate, Selected Races/Ethnicities
- MSA Detail: Origination and Denial Rate Gaps with Whites for Blacks and Hispanics
- Applications by Race/Ethnicity and LMI Status (MSA areas only)
- Originations by Race/Ethnicity and LMI Status (MSA areas only)
- Application Disposition Rates by Race/Ethnicity and Income Level
- Share of Applications from Each Income Level, by Race/Ethnicity and Income Level (MSA areas only)
- Share of Originations from Each Income Level, by Race/Ethnicity and Income Level (MSA areas only)
- MSA Detail: Rate Gaps with Whites for Blacks and Hispanics
- MSA Detail: Rate Gaps between Non-LMI and LMI for Blacks, Hispanics, and Whites
- MSA Detail: Applications, by Race/Ethnicity and LMI Status
- MSA Detail: Origination Rate, by Race/Ethnicity and LMI Status
- MSA Detail: Denial Rate, by Race/Ethnicity and LMI Status
Data Source: 1999-2003 Home Mortgage Disclosure Act (HMDA) Data
Note: Please note that "Home Mortgage Disclosure Act data has limitations that make them an inadequate basis, absent other information, for concluding that an institution has not assisted adequately in meeting its community's credit needs or has engaged in illegal lending discrimination." (The Board of Governors of the Federal Reserve System).
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