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What HMDA data is filed about interest rates on mortgages?

April 26, 2017Data filed hmda interest rates mortgages

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What HMDA data is filed about interest rates on mortgages?

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Lenders report data on loans priced above certain thresholds, which are defined as when the interest rate “spread” – the difference between the annual percentage rate (APR) on a loan and the yield on a comparable-maturity Treasury security – is at least 3 percentage points for a first mortgage and 5 percentage points for a subordinate-lien loan.