A new analysis investigating how characteristics of mortgages, borrowers, and lenders vary across AAPI subgroups, based on the 2020 Home Mortgage Disclosure Act (HMDA) data.
Research and 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 2019 mortgage market activity and trends using data reported under the Home Mortgage Disclosure Act (HMDA).
This is the 24th edition of Supervisory Highlights. The findings included in this report cover examinations in the areas of auto servicing, consumer reporting, debt collection, deposits, fair lending, mortgage origination, mortgage servicing, payday lending, private education loan origination and student loan servicing that were completed between January 1, 2020 to December 31, 2020.
A brief overview of the general lending patterns of HMDA reporters with the closed-end origination volumes around the new HMDA reporting threshold set by the 2020 HMDA Rule.
This report analyzes manufactured home loans, using two new fields in the Home Mortgage Disclosure Act (HMDA) data to understand the manufactured housing finance market and compare chattel loans and mortgages.
This Data Point provides new information about the types of changes that occur during the mortgage origination process.
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.
An updated review of the new and revised data points in HMDA: Further observations using the 2019 HMDA data
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.
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 report explores the prevalence and ease of first-time homeownership over time.
In this issue of Supervisory Highlights, we report examination findings in the areas of automobile loan origination, credit card account management, debt collection, furnishing, and mortgage origination that were generally completed between December 2018 and March 2019 (unless otherwise stated). The report does not impose any new or different legal requirements, and all violations described in the report are based only on those specific facts and circumstances noted during those examinations.
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.
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.
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.
In this issue of Supervisory Highlights, we report examination findings in the areas of automobile origination, automobile servicing, debt collection, mortgage origination, student loan servicing, and fair lending. As in past editions, this report includes information about recent public enforcement actions that were a result, at least in part, of our supervisory work. The report also includes information on recently released examination procedures and Bureau guidance.
In this issue of Supervisory Highlights, we report examination findings in the areas of auto originations, debt collection, mortgage origination, small-dollar lending, and fair lending. As in past editions, this report includes information about recent public enforcement actions that were a result, at least in part, of our supervisory work. The report also includes information on our coordination with state and federal regulators on supervisory matters, as well as information on recently released guidance.