National Neighborhood Data Archive (NaNDA): Home Mortgage Disclosure Act Longitudinal Dataset by Census Tract, United States, 1981-2021

The Home Mortgage Disclosure Act (HMDA) database (Consumer Financial Protection Bureau, 2022) has compiled mortgage lending data since 1981, but the collection and dissemination methods have changed over time (Federal Financial Institutions Examination Council, 2018), creating barriers to conducting longitudinal analyses. This HMDA Longitudinal Dataset (HLD) organizes and standardizes information across different eras of HMDA data collection between 1981 and 2020, enabling such analysis. This collection contains two datasets: 1) HMDA aggregated data by census tract for each decade and 2) HMDA aggregated data by census tract for individual years. Items for analysis include borrower income values, mortgages by loan type (e.g., conventional, Federal Housing Administration (FHA), Veterans Affairs (VA), refinances), and mortgages by borrower race and gender.

《住宅抵押贷款披露法案》（HMDA）数据库（消费者金融保护局，2022年）自1981年起收集抵押贷款放贷数据，然而随着时间的推移，其收集与传播的方法发生了变化（联邦金融机构检查委员会，2018年），这为进行纵向分析设置了障碍。本HMDA纵向数据集（HLD）对1981年至2020年不同时期的HMDA数据收集信息进行了整理和标准化，从而使得此类分析成为可能。该收集包含两个数据集：1）每个十年按人口普查区统计的HMDA汇总数据；2）按人口普查区统计的按年度HMDA汇总数据。分析项目包括借款人收入值、按贷款类型（例如，传统贷款、联邦住房管理局（FHA）贷款、退伍军人事务部（VA）贷款、再融资贷款）以及按借款人种族和性别划分的抵押贷款。