Data Spotlight: The Impact of Changing Mortgage Interest Rates
Monthly principal and interest payments rose 78% driven by interest rates jumping from historic lows in 2021 to highs in 2023.
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).
Data Spotlight: Trends in discount points amid rising interest rates
Rising interest rates have created a challenging housing environment for borrowers. New research using HMDA quarterly data reveals more borrowers are relying on discount points.
The Neighborhood Geography of Mortgage Lending
This report explores the differences across neighborhoods in the number of mortgage lenders originating loans, investigates the neighborhood-level correlates of this measure, and explores its associations with consumer-level outcomes.