DataPlace Beta: Metadata for Conv. home purchase loan applications from low-income Blacks

Metadata

Indicator

Conv. home purchase loan applications from low-income Blacks

Definition:

Low-income borrowers include households with 50 to 80% ofthe HUD area median family income. Conventional refers to a loan not insured by a government program, like FHA or VA.

Full Label:

Number of low-income non-Hispanic Black applicants for conventional home purchase mortgages for 1 to 4 family dwellings and manufactured homes

Source dataset:

Home Mortgage Disclosure Act (Federal Financial Institutions Examination Council)

Available Years VS. Geo-Types :

	Census Tract	Zip Code	Place	Metropolitan Area	County	State	Nation
1997-2007	•		p	•	•	•	•

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Quick Preview of Indicator - San Jose, CA

Conv. home purchase loan applications from low-income Blacks(2000)

Top Ten States in USA

Rank	Place	see bottom ten
1	South Carolina	12,852
2	North Carolina	12,391
3	Georgia	11,751
4	Texas	9,788
5	Florida	9,714
6	Alabama	6,980
7	Mississippi	6,792
8	Illinois	6,622
9	Louisiana	4,178
10	Michigan	4,165

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Dataset

Home Mortgage Disclosure Act (Federal Financial Institutions Examination Council)

Description:

The Home Mortgage Disclosure Act (HMDA) requires most lending institutions to report mortgage loan applications, including the outcome of the application, information about the loan and applicant, and location of the property. In 2004 and later years, data is also available about loans with high interest rates, lien status, and property structure type. The data are collected to assist in determining whether financial institutions are meeting the housing credit needs of their communities; to target community development funds to attract private investment to underserved areas; and to identify possible discriminatory lending patterns. In DataPlace, the loan-level data are summarized into indicators such as the distribution of borrowers by income, denial rates by gender, and loans from subprime lenders by race. For more information about HMDA, see the DataPlace guidebook at http://www.dataplace.org/guides.html or visit the FFIEC web site at http://www.ffiec.gov/hmda.

Originator:

Federal Financial Institutions Examination Council

Publication Date:

December 31, 2007

Time Period of Content:

December 31, 1999 to December 30, 2000

Bounds:

West
East
North
South

Display in FGDC format

Display all indicators associated with this dataset (448)