Data point: How mortgages change before origination
This Data Point provides new information about the types of changes that occur during the mortgage origination process.
Reports
We study how consumers interact with financial products and services to help identify potential problems in the marketplace and achieve better outcomes for all. Review our reports and analyses to help inform your decisions, policies, and practices. And, see reports that we periodically prepare about the CFPB.
Data point: Mortgage trends
This Bureau Data Point article describes 2020 mortgage market activity and trends using data reported under the Home Mortgage Disclosure Act (HMDA).
Integrated Mortgage Disclosures Under the Real Estate Settlement Procedures Act (Regulation X) and the Truth in Lending Act (Regulation Z) Rule Assessment
This report describes the TRID Rule, the market, and the Bureau’s findings on the Rule’s effectiveness in meeting factors outlined in Dodd-Frank.
Technical Reports: National Survey of Mortgage Originations and National Mortgage Database
The Federal Housing Finance Agency and the CFPB are jointly releasing two technical reports about the development of the National Mortgage Database and the National Survey of Mortgage Originations.
Diversity and Inclusion in the Mortgage Industry: Readout from an opening roundtable
This report summarizes strategies for promoting diversity and inclusion used by mortgage industry participants as discussed at the Bureau’s initial roundtable. It highlights the business case for diversity along with current approaches and practices used in the mortgage industry, such as establishing buy-in from top leadership, integrating principles of inclusion in recruiting and hiring, and the importance of data in assessing the impact of diversity on keeping organizations competitive. The report is the result of the CFPB’s collaboration with the financial services industry to raise awareness of the importance of strengthening diversity and inclusion within organizations.
Supervisory Highlights: Fall 2015
In this issue of Supervisory Highlights, we report examination findings in the areas of consumer reporting, debt collection, mortgage origination, mortgage servicing, student loan servicing, and fair lending.
Leveraging technology to empower mortgage consumers at closing
As part of the our broader efforts to improve the mortgage process for consumers, we took a close look at one important part of a mortgage transaction: the closing process.
Supervisory Highlights: Summer 2015
In this issue of Supervisory Highlights, we report examination findings in the areas of mortgage origination, fair lending, mortgage servicing, deposits, payday lending, and debt collection.
Consumers’ mortgage shopping experience
We aim to help consumers become better and more informed mortgage shoppers.
Mortgage closings today
Buying a home is one of the biggest financial decisions most people will make in their lifetimes, but navigating the closing process can be a challenge.