Mortgage Volume and Amount by Year

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The 1975 Home Mortgage Disclosure Act (HMDA) requires financial institutions to maintain and annually disclose data about home purchases and other loan activities. The primary purpose of this disclosure is to determine if financial institutions are serving the housing needs of communities and in a non-discriminatory manner. HMDA data provide a consolidated accounting of the number of loans originated by area and also the amount of those loans (median loan amount by area is determined from this information). Much as with number of sales and median sales price trends, HMDA data show whether housing market activity has strengthened or weakened over time.

Number of Loans Originated

This chart displays the number of loans originated by year based on Home Mortgage Disclosure Act (HMDA) data as reported by financial institutions. All loan types (conventional, FHA-insured, VA-guaranteed, and FSA/RHS) are included and loans are for home purchase of owner-occupied, one to four family properties excluding manufactured housing.

How has the number of loans originated changed over time?

Note: Home Mortgage Disclosure Act (HMDA) data as reported by financial institutions loans for home purchase only; all loan types; one to four family properties excluding manufactured housing; owner-occupied as a principal dwelling; originated loans).
Source: Federal Financial Institutions Examination Council (FFIEC); and Virginia Tech Center for Housing Research.

Median Loan Amount of Loans Originated

This chart displays the median loan amount of loans originated by year based on Home Mortgage Disclosure Act (HMDA) data as reported by financial institutions. All loan types (conventional, FHA-insured, VA-guaranteed, and FSA/RHS) are included and loans are for home purchase of owner-occupied, one to four family properties excluding manufactured housing.

How has the median loan amount for loan originations changed over time?

Note: Home Mortgage Disclosure Act (HMDA) data as reported by financial institutions loans for home purchase only; all loan types; one to four family properties excluding manufactured housing; owner-occupied as a principal dwelling; originated loans).
Source: Federal Financial Institutions Examination Council (FFIEC); and Virginia Tech Center for Housing Research.

The data contained in SOURCEBOOK is intended for informational, educational and research uses. The information may not be used for commercial purposes or re-marketed. Any reproduction and distribution of this information must clearly identify HousingForward Virginia and SOURCEBOOK as the provider of the information.