Thursday, September 29, 2016

HMDA 2015 Oregon Excel File: Data for 117k+ Loan Originations.

File (using CFPB posted data) is HERE (too large to embed). 

File opens to Pivot table that by default shows loans originated to Hispanic borrowers. Tables below show that FHA accounted for only 19% of all Home purchase loans, but 41% of all home purchase loans with a Hispanic Borrower. (I've checked and the African American home purchase FHA market share was 30%). 

Another worksheet in the workbook shows a listing of all data fields and a link to the query used to create the workbook. 

Note that unlike GSE data HMDA does not cover rural areas and does not have a data element to identiry first time homebuyers. 

Originally created and posted on the Oregon Housing Blog

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