Los Angeles, New York MSAs Had Most Mortgages in 2014

An interesting way to look at the topic of expensive housing markets is to look for data in LendingPatterns™ on the areas with the most lending. If the largest MSAs by population aren’t matching the top MSAs by numbers of loans, this might be an indication they are...

HMDA Race, Ethnicity Categories Not Set in Stone

Race and ethnicity data are one of the hallmarks of HMDA reporting. But the categories are by no means set in stone. The last major changes came for the 2000 Census, with all government agencies having to implement them by 2003. It is interesting both to wonder when...

Patterns in FHA Lending: Banks Lessening Share?

Recent news reports say that commercial banks are lessening their share of Federal Housing Administration loans. What can LendingPatterns™ tell us about this potential trend? Taking a look at the Early Look for 2015 data, six of the top 20 FHA lenders are banks,...