Join Callahan & Associates for a dive into the U.S. mortgage market. Using HMDA data, we'll 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.
Congress enacted the Home Mortgage Disclosure Act (HMDA) in 1975 to mitigate concerns about perceived credit shortages throughout the United States. 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.
You Will Learn: