Home Mortgage Disclosure Act (HMDA) Public Data from 2007-2017

Home Mortgage Disclosure Act (HMDA) requires many FIs to maintain, report, and publicly disclose information about applications for and originations of mortgage loans. HMDA s purposes are to provide the public and public officials with sufficient information to enable them to determine whether institutions are serving the housing needs of the communities and neighborhoods in which they are located, to assist public officials in distributing public sector investments in a manner designed to improve the private investment environment, and to assist in identifying possible discriminatory lending patterns and enforcing antidiscrimination statutes.

《住房抵押贷款披露法》（Home Mortgage Disclosure Act，HMDA）要求多数金融机构（Financial Institutions，FIs）留存、上报并公开披露抵押贷款申请与发放的相关信息。该法案的立法目的在于：为公众及公职人员提供充足信息，使其能够评估金融机构是否满足其所在社区与街区的住房需求；协助公职人员以优化私人投资环境为目标分配公共部门投资；同时助力识别潜在的歧视性放贷模式，并执行反歧视相关法规。