Understanding the 2025 Home Mortgage Disclosure Act data
Summary
Host Evan Sparks interviews ABA economist Dan Brown about recent HMDA data trends in the mortgage market. They discuss how banks’ market share has declined due to regulatory burdens and non-bank competition, while regional variations persist. The episode also highlights a widening gap in home prices between younger and older buyers, driven by interest rates and wealth disparities.
Topics discussed
Introduction and guest welcome
Overview of HMDA data and bank market share trends
Regional analysis: Midwest and Northeast bank presence
Sponsor message from Q2 Software
Market share shifts: Credit unions vs. non-banks
Refinance activity and the bimodal interest rate market
Age cohort disparities in home buying and prices
Demographic impacts on banking and closing remarks
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