Home Mortgage Disclosure Act (HMDA) Data

This interactive data retrieval system provides access to information for from the Home Mortgage Disclosure Act (HMDA) by neighborhood from 1995 to 2003. HMDA data is updated annually. Use the search box below to interactively access the data.  

Federal law requires most lending institutions to report information about applicants for home mortgage loans:  the race, income (low, middle, high), and outcome (approvals or denials).  The institutions are categorized as conventional lenders or subprime lenders by the U.S. Department of Housing and Urban Development. Subprime lenders are those that make higher-cost loans available to individuals whose credit histories make them higher risk applicants.

HMDA data is reported for each census tract.  Because census tracts have varied over time, the Urban Institute and Geolytics have applied mathematical calculations to the data so that each geography is comparable over time. Click here to read notes on neighborhood definitions. Because the data is reported for each census tract, we have used aggregations of census tracts as our data collection areas which approximate each city-defined neighborhood.  City-defined neighborhoods are often slightly different from our data collection areas. In conformity with city practice, the residential section of South Meadows is assigned to South End Neighborhoods as defined by the city of Hartford. Click here to see maps of city defined neighborhoods.

For notes and information on each of the data categories, click here.

Additional extended analyses are available in a number of documents prepared for HartfordInfo.org.  Click here to see a list.

If you have any questions, need assistance using this data, or would like to see it in another format, please contact us. 

* - "Subprime lenders" are those who U.S. Department of Housing and Urban Development (HUD) has identified as specializing in subprime mortgage lending, but they may also do prime lending. While it is not possible to determine from HMDA whether an individual loan is subprime, this indicator can be used to approximate the level of subprime lending.

General notes and credits: HMDA Data - This data file and the procedures for constructing it were initially developed by the Urban Institute to support www.DataPlace.org. These data were compiled by Kathryn Pettit of the Urban Institute and distributed to National Neighborhood Partners (NNIP), including HartfordInfo.org. The data were processed using a mathematical formula developed by the Urban Institute in conjunction with GeoLytics, Inc. for the Neighborhood Change Database to make the geographical areas comparable through time.  As a result, some rounding occurred.  In some cases, data may total to more than 100% if data from all neighborhoods were added.  For example, rather than report 1.2 applications in a neighborhood, we report a round number of 1.  For more detailed notes on HMDA files, click here.

Given recent changes in the banking industry, with many of the subprime lenders out of business or bought out, more recent data, from 2007 and 2008, could not be assigned to a subprime lender.