NoVA Mortgage Credit Atlas: The 2020-2024 Lending Contraction (Keystone GIS Day 73)

Seven years of Home Mortgage Disclosure Act records for the nine Northern Virginia jurisdictions, aggregated to census tract and jurisdiction. This atlas turns 1,182,126 raw Home Mortgage Disclosure Act loan/application records into an annual, tract-level picture of who got a mortgage in Northern Virginia between 2018 and 2024, who was turned down, and how much the credit market shrank when rates moved. After filtering to a core mortgage universe -- site-built one-to-four family homes, principal residence, first lien, closed-end, non-business, purchase or refinance -- 764,805 applications and 519,477 originations worth $252.3 billion remain. Regional originations peaked at 160,779 in 2020 and fell to 25,850 in 2023, an 83.9 percent collapse, while the median originated loan rose from $431,200 to $535,300 over the same window. HMDA is published as a national flat file with no geometry; nothing in the public record presents it as a Northern Virginia spatial panel with an ACS owner-occupancy denominator, which is what this dataset is.Produced by the Keystone GIS Northern Virginia Autonomous GIS Research Program. Full methodology, interactive map, and FGDC metadata: https://keystonegis.com/datasets/nova-mortgage-credit-day73.html