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Using Data to Support Advocacy and IncreaseLending in Your Community
Data Drives the Movement for Economic JusticeArchana PradhanApril 20, 2012
Data Drives the Movement for Economic JusticeWhy data?• To uncover the trend     Who is lending in your community?     A...
Data Drives the Movement for Economic JusticePublically available data• HMDA data• Small Business data• Bank Branch data
Data Drives the Movement for Economic JusticeHMDA dataPassed by Congress in 1975, the Home Mortgage Disclosure Act(HMDA) h...
Data Drives the Movement for Economic JusticeWhat is in the HMDA Data?• Loan Information       What action was taken with...
Data Drives the Movement for Economic JusticeHMDA Data-After Dodd-Frank bill    Age of borrower    Credit score    Tota...
Data Drives the Movement for Economic JusticeHow to get HMDA Data?    HMDA data (for calendar years 1999-2010) available ...
Data Drives the Movement for Economic JusticeWhere to Get HMDA DataStep 1: Go to the FFIEC website: www.ffiec.gov
Data Drives the Movement for Economic JusticeStep 2: Click on HMDA, then on Aggregate Report (left hand sidemenu)
Data Drives the Movement for Economic JusticeStep 3: From the scroll-down menu, select a state: e.g.,“Maryland(MD)”
Data Drives the Movement for Economic JusticeStep 4: From the scroll-down menu, select a MSA: e.g., “Washington-Arlington...
Data Drives the Movement for Economic JusticeStep 5: Click on Select MSA button to retrieve tables
Data Drives the Movement for Economic JusticeStep 6: Choose type of report: e.g., “Conventional Home-PurchasePricing Info...
Data Drives the Movement for Economic JusticeExample: Table 11-3. Home Purchase Lending in Washington-Arlington-Alexandria...
Data Drives the Movement for Economic JusticeHMDA Data: Merger Application - Capital OneSimple but powerful
Data Drives the Movement for Economic JusticeHMDA Data: Merger Application - Capital OneSimple but powerful
Data Drives the Movement for Economic JusticeHMDA Data: Pro bono analysisPrime loans by major lenders in San Diego, CA, 2010
Data Drives the Movement for Economic JusticeApplication of HMDA Data
Data Drives the Movement for Economic JusticeData on Bank Branch:How is Bank Branch Data UsefulDetermine if branches are ...
Data Drives the Movement for Economic Justice   Where to Get Branch DataaStep 1: www.fdic.gov, click on          Step 2: C...
Data Drives the Movement for Economic JusticeStep 3: Click on Download
Data Drives the Movement for Economic Justice                            Obtaining Branch Data   AT A MINIMUM, MAKE    SUR...
Data Drives the Movement for Economic JusticeFrom Obtaining to Presenting Data
Data Drives the Movement for Economic JusticeNCRC Analysis vs. FFIEC AnalysisNCRC* (using CRA Wiz*)                  FFIE...
THANK YOU!To follow up with the speaker:Archana Pradhan, Senior Research AnalystNational Community Reinvestment Coalition ...
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Archana Pradhan | Using Data for Advocacy

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Archana Pradhan | Using Data for Advocacy

  1. 1. Using Data to Support Advocacy and IncreaseLending in Your Community
  2. 2. Data Drives the Movement for Economic JusticeArchana PradhanApril 20, 2012
  3. 3. Data Drives the Movement for Economic JusticeWhy data?• To uncover the trend  Who is lending in your community?  Are they equitably originating mortgages throughout your community?  Is the institution’s mortgage pricing non-discriminatory?• Affecting Policies & Procedures  Commenting on CRA exams and merger applications  Increase lending to minorities, women, and low- and moderate- income borrowers  Help lenders identify emerging markets and reduce lending disparities
  4. 4. Data Drives the Movement for Economic JusticePublically available data• HMDA data• Small Business data• Bank Branch data
  5. 5. Data Drives the Movement for Economic JusticeHMDA dataPassed by Congress in 1975, the Home Mortgage Disclosure Act(HMDA) has three purposes:1) Help determine whether financial institutions are serving the housingneeds of their communities2) Assist public officials in distributing public-sector investment so as toattract private sector investment to areas where it is needed3) To assist in identifying possible discriminatory lending patterns andenforcing anti-discrimination statutes.
  6. 6. Data Drives the Movement for Economic JusticeWhat is in the HMDA Data?• Loan Information  What action was taken with loan  Info on pre-approval and denial  Dollar amount of loan  Loan type  Purpose of loan  Pricing data for high-cost loans  Lien status is indicated  Purchasers of loans  Reporting if loans are covered by HOEPA  Reporting institution
  7. 7. Data Drives the Movement for Economic JusticeHMDA Data-After Dodd-Frank bill Age of borrower Credit score Total points and fees paid at origination Value of real property pledged as collateral ARM- by term in months for any introductory period after which rate changes Negative amortization - Any terms allowing borrower to make payments that are not fully amortizing Channel through which application was made, including retail, broker, and other categories And more….
  8. 8. Data Drives the Movement for Economic JusticeHow to get HMDA Data? HMDA data (for calendar years 1999-2010) available on the Federal Financial Institutions Examination Council (FFIEC) web page HMDA data can be pulled in 3 ways: 1) All Lenders Aggregates by MSA 2) Individual Lender Disclosures by MSA 3) All Lenders National Aggregates
  9. 9. Data Drives the Movement for Economic JusticeWhere to Get HMDA DataStep 1: Go to the FFIEC website: www.ffiec.gov
  10. 10. Data Drives the Movement for Economic JusticeStep 2: Click on HMDA, then on Aggregate Report (left hand sidemenu)
  11. 11. Data Drives the Movement for Economic JusticeStep 3: From the scroll-down menu, select a state: e.g.,“Maryland(MD)”
  12. 12. Data Drives the Movement for Economic JusticeStep 4: From the scroll-down menu, select a MSA: e.g., “Washington-Arlington-Alexandria”
  13. 13. Data Drives the Movement for Economic JusticeStep 5: Click on Select MSA button to retrieve tables
  14. 14. Data Drives the Movement for Economic JusticeStep 6: Choose type of report: e.g., “Conventional Home-PurchasePricing Info First”
  15. 15. Data Drives the Movement for Economic JusticeExample: Table 11-3. Home Purchase Lending in Washington-Arlington-Alexandria, MD 930 10940
  16. 16. Data Drives the Movement for Economic JusticeHMDA Data: Merger Application - Capital OneSimple but powerful
  17. 17. Data Drives the Movement for Economic JusticeHMDA Data: Merger Application - Capital OneSimple but powerful
  18. 18. Data Drives the Movement for Economic JusticeHMDA Data: Pro bono analysisPrime loans by major lenders in San Diego, CA, 2010
  19. 19. Data Drives the Movement for Economic JusticeApplication of HMDA Data
  20. 20. Data Drives the Movement for Economic JusticeData on Bank Branch:How is Bank Branch Data UsefulDetermine if branches are located in low-income and minorityneighborhoodsExamine trend dataLeverage during bank mergersLeverage during CRA Exam of ServicersFringe Banking (Check Cashers, Payday Lenders, Pawnshops, etc)exists in the absence of banks
  21. 21. Data Drives the Movement for Economic Justice Where to Get Branch DataaStep 1: www.fdic.gov, click on Step 2: Click on Summary of DepositsAnalysts
  22. 22. Data Drives the Movement for Economic JusticeStep 3: Click on Download
  23. 23. Data Drives the Movement for Economic Justice Obtaining Branch Data AT A MINIMUM, MAKE SURE TO SELECT:• Address• City• State• ZIP
  24. 24. Data Drives the Movement for Economic JusticeFrom Obtaining to Presenting Data
  25. 25. Data Drives the Movement for Economic JusticeNCRC Analysis vs. FFIEC AnalysisNCRC* (using CRA Wiz*)  FFIECNCRC staff assists you.  Do it yourself. You canTypically 1-2 week pull the data up inturnaround. minutes!We can pull home lending,  You can pull homesmall business lending & lending & small businessbranching dataWe can pull data by nation, lendingstate, county, MSA or census  You can pull hometract lending data by nation orWe can provide MSA, or by county forspreadsheets, write ups, small business datacharts & maps using the data  You can create spreadsheets & write ups using the data  Customization of data is limited
  26. 26. THANK YOU!To follow up with the speaker:Archana Pradhan, Senior Research AnalystNational Community Reinvestment Coalition (NCRC)(202) 464-2708apradhan@ncrc.orgwww.ncrc.orgPresentations will be available at www.ncrc.org/conferencebyApril 30, 2012

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