The Home Mortgage Disclosure Act was enacted by Congress in 1975 and is implemented by the Federal Reserve Board's Regulation C. This regulation provides the public with loan data that can be used to assist: in determining whether financial institutions are serving the housing needs of their communities; public officials in distributing public-sector investments so as to attract private investment to areas where it is needed; and in identifying possible discriminatory lending patterns. This regulation applies to certain financial institutions, including banks, savings associations, credit unions, and other mortgage lending institutions.

Tabulations of Home Mortgage Disclosure Act (HMDA) data for metropolitan statistical areas (MSAs) in New England:

Additional tabulations are available from Federal Financial Institutions Examination Council (FFIEC). 2004 Home Mortgage Disclosure Act (HMDA) Data: MSA Detail: Applications & Actions PDF MSA Detail: Applications & Actions by Loan Type PDF MSA Detail: Applications & Actions by Lien Status PDF MSA Detail: Applications & Actions by Property Type PDF MSA Detail: Applications & Actions by Lien Status and Loan Type PDF Income Level   Applications & Actions by Income Level and Loan Type PDF Applications & Actions by Income Level and Lien Status PDF Applications & Actions by Income Level and Property Type PDF Applications & Actions by Income Level, Loan Type, and Lien Status PDF MSA Detail:Applications & Actions by Income Level PDF Race/Ethnicity   Applications & Actions by Race/Ethnicity (Summary) and Loan Type PDF Applications & Actions by Race/Ethnicity (Summary) and Lien Status PDF Applications & Actions by Race/Ethnicity (Summary) and Property Type PDF Applications & Actions by Race/Ethnicity (Summary), Loan Type, and Lien Status PDF MSA Detail: Applications & Actions by Race/Ethnicity (Summary) PDF MSA Detail: Applications & Actions by Race (Detail) PDF MSA Detail: Applications & Actions by Ethnicity (Detail) PDF Race/Ethnicity and Income   Applications & Actions by Race/Ethnicity, Low-to-Moderate Income Status, and Loan Type PDF Applications & Actions by Race/Ethnicity, Low-to-Moderate Income Status, and Lien Status PDF Applications & Actions by Race/Ethnicity, Low-to-Moderate Income Status, and Property Type PDF MSA Detail: Applications & Actions by Race/Ethnicity and Income Level PDF Higher-Priced Loans   MSA Detail: Distribution of Rate Spreads PDF MSA Detail: Distribution of Rate Spreads by Loan Type PDF MSA Detail: Distribution of Rate Spreads by Lien Status PDF MSA Detail: Distribution of Rate Spreads by Property Type PDF MSA Detail: Distribution of Rate Spreads by Income Level PDF MSA Detail: Distribution of Rate Spreads by Race/Ethnicity (Summary) PDF MSA Detail: Median & Mean Rate Spread for Higher-priced Loans by Income Level PDF MSA Detail: Median & Mean Rate Spread for Higher-priced Loans by Race/Ethnicity (Summary) PDF Data Source: 2004 Home Mortgage Disclosure Act (HMDA) Data Note: Please note that "Home Mortgage Disclosure Act data has limitations that make them an inadequate basis, absent other information, for concluding that an institution has not assisted adequately in meeting its community's credit needs or has engaged in illegal lending discrimination." (The Board of Governors of the Federal Reserve System).