Research and reports

This Data Point provides new information about the types of changes that occur during the mortgage origination process.

The Office of Research released a research brief that explores consumers’ perceived financial preparedness, saving habits, and financial security.

This second COVID-19 Special Issue Brief describes trends in delinquency rates, payment assistance, credit access, and account balance measures with a focus on the period since the start of the COVID-19 pandemic.

The goal of this article is to help the public become more familiar with the new and revised data points in the 2019 HMDA data and to provide some initial observations about the nation’s mortgage market in 2019 using those new and revised data points. As in last year’s article, the focus of this article is on cross-sectional analyses, i.e. using the data contained in one year’s loan application registrar (LAR) to explore various patterns and relationships between different data fields to provide some initial observations.

This report summarizes the initial results from the Making Ends Meet survey, a nationally representative survey of adults with a credit record developed by the CFPB’s Office of Research.

2019 HMDA Mortgage Market Activity and Trends summarizes the historical data points in the 2019 HMDA data, as well as recent trends in mortgage and housing markets.

This report uses the Bureau’s Consumer Credit Panel to study the early effects of the COVID-19 pandemic on credit applications overall, by credit score group, and across the states.

This Data Point article tracks the evolution of small business lending before, during and following the Great Recession.

Our data point reports are prepared by our Office of Research to provide an evidence-based perspective on consumer financial markets, consumer behavior, and regulations to inform the public discourse.

This fourteenth data point compares borrower characteristics at mortgage servicers of different sizes and explores the role servicers of each size play in the mortgage market.

This data point article summarizes the historical data points 2018 Home Mortgage Disclosure Act (HMDA) data, as well as recent trends in mortgage and housing markets.

This data point article introduces the new and revised data points in the 2018 Home Mortgage Disclosure Act (HMDA) data.

This eleventh data point examines how often credit card balances are revolved on an account, or borrowed, how long balances are revolved, and how regularly they are paid down.

Our data point reports are prepared by our Office of Research to provide an evidence-based perspective on consumer financial markets, consumer behavior, and regulations to inform the public discourse.

Our data point reports are prepared by our Office of Research to provide an evidence-based perspective on consumer financial markets, consumer behavior, and regulations to inform the public discourse. 

Our data point reports are prepared by our Office of Research to provide an evidence-based perspective on consumer financial markets, consumer behavior, and regulations to inform the public discourse. 

Our data point reports are prepared by our Office of Research to provide an evidence-based perspective on consumer financial markets, consumer behavior, and regulations to inform the public discourse.

Our data point reports are prepared by our Office of Research to provide an evidence-based perspective on consumer financial markets, consumer behavior, and regulations to inform the public discourse.

Our data point reports are prepared by our Office of Research to provide an evidence-based perspective on consumer financial markets, consumer behavior, and regulations to inform the public discourse.