---
title: "HMDA mortgage data: research papers using this data"
description: "From Nov 2023 to Oct 2026, 23 archived papers mentioned HMDA mortgage data in their title, abstract or keywords (the search of earlier months' full texts is still under way), most of them in Dec 2024 (3)."
url: https://scholar4ai.com/datasets/hmda-mortgage-data
markdown_url: https://scholar4ai.com/datasets/hmda-mortgage-data.md
license: CC BY-NC 4.0 (https://creativecommons.org/licenses/by-nc/4.0/)
share_text: "From Nov 2023 to Oct 2026, 23 archived papers mentioned HMDA mortgage data in their title, abstract or keywords (the search of earlier months' full texts is still under way), most of them in Dec 2024 (3). (as of 2026-11-05)"
data_url: https://scholar4ai.com/data/rankings.json
updated: 2026-11-05T06:02:37+09:00
window: 2026-10-07 to 2026-11-05
source: OpenAlex (CC0)
---

# HMDA mortgage data

[Browse dataset profiles](https://scholar4ai.com/datasets/directory/page/3.md)

House prices and transactions, mortgages and rents.

- data category: Real estate and housing data
- 0 papers in the last 7 days
- Names searched for: Home Mortgage Disclosure Act, HMDA

Most-used data: https://scholar4ai.com/rankings/datasets.md · All Real estate and housing data datasets: https://scholar4ai.com/datasets/real-estate-and-housing-data.md



## Key findings

- From Nov 2023 to Oct 2026, 23 archived papers mentioned HMDA mortgage data in their title, abstract or keywords (the search of earlier months' full texts is still under way), most of them in Dec 2024 (3).
- No paper of the tracked journals mentioned HMDA mortgage data in the last 30 days (2026-10-07 to 2026-11-05).
- From 2017 to 2026 (so far), HMDA mortgage data was mentioned in 33 papers in the tracked journals, most of them in economics (14), finance (12) and health economics and policy (3).
- 6 of them were published in 2025, against 0 in 2017.
- Since 2023, the institutions with the most of these papers were University of Edinburgh (2), American Enterprise Institute (1) and Bowdoin College (1).
- The journals publishing most of them were Review of Accounting Studies (3), Journal of Banking & Finance (2) and The Journal of Real Estate Finance and Economics (2).
- The most-cited of them is “Mortgage Lending Discrimination Across the U.S.: New Methodology and New Evidence” (Journal of Financial Services Research, 2018), with 26 citations.
- Papers use HMDA mortgage data most often with American Community Survey (7), Call Reports (6) and Credit bureaus (Equifax, Experian, TransUnion) (4); it has 6 partners in the code and data network, in the group around S&P 500, Economic Policy…, Compustat.

## Mentions over 36 months

*Papers mentioning it by publication month, Nov 2023 to Oct 2026 (titles, abstracts and keywords; the full texts of earlier months are still being searched)*

| Trend | Nov 23–Oct 24 | Nov 24–Oct 25 | Nov 25–Oct 26 | 36 months |
|---|---:|---:|---:|---:|
|  | 5 | 9 | 9 | 23 |

## Papers per year

*Papers per publication year and category*

| Category | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 (so far) |
|---|---:|---:|---:|---:|---:|---:|---:|---:|---:|---:|
| [Economics](https://scholar4ai.com/categories/economics.md) | 0 | 1 | 1 | 2 | 1 | 0 | 1 | 5 | 2 | 1 |
| [Finance](https://scholar4ai.com/categories/finance.md) | 0 | 1 | 1 | 0 | 0 | 0 | 0 | 3 | 2 | 5 |
| [Health Economics and Policy](https://scholar4ai.com/categories/health-economics-and-policy.md) | 0 | 0 | 0 | 0 | 1 | 0 | 1 | 0 | 1 | 0 |
| [Accounting](https://scholar4ai.com/categories/accounting.md) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 2 |
| [Operations Research](https://scholar4ai.com/categories/operations-research.md) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 |
| All categories | 0 | 2 | 2 | 2 | 2 | 0 | 2 | 8 | 6 | 9 |

## Where the papers come from

*Journals with the most papers, since 2023*

| # | Journal | Papers |
|---:|---|---:|
| 1 | [Review of Accounting Studies](https://scholar4ai.com/journals/review-of-accounting-studies.md) | 3 |
| 2 | [Journal of Banking & Finance](https://scholar4ai.com/journals/journal-of-banking-finance.md) | 2 |
| 3 | [The Journal of Real Estate Finance and Economics](https://scholar4ai.com/journals/the-journal-of-real-estate-finance-and-economics.md) | 2 |
| 4 | [Journal of Housing Economics](https://scholar4ai.com/journals/journal-of-housing-economics.md) | 2 |
| 5 | [Journal of Public Economics](https://scholar4ai.com/journals/journal-of-public-economics.md) | 1 |
| 6 | [Public Choice](https://scholar4ai.com/journals/public-choice.md) | 1 |
| 7 | [Journal of Economic Behavior & Organization](https://scholar4ai.com/journals/journal-of-economic-behavior-organization.md) | 1 |
| 8 | [Annals of Operations Research](https://scholar4ai.com/journals/annals-of-operations-research.md) | 1 |
| 9 | [Social Science & Medicine](https://scholar4ai.com/journals/social-science-medicine.md) | 1 |
| 10 | [Journal of Financial Economics](https://scholar4ai.com/journals/journal-of-financial-economics.md) | 1 |

*Institutions with the most papers, since 2023*

| # | Institution | Papers |
|---:|---|---:|
| 1 | [University of Edinburgh](https://scholar4ai.com/institutions/university-of-edinburgh.md) | 2 |
| 2 | American Enterprise Institute | 1 |
| 3 | Bowdoin College | 1 |
| 4 | Bucharest University of Economic Studies | 1 |
| 5 | California State University, Sacramento | 1 |
| 6 | Carleton University | 1 |
| 7 | [Erasmus University Rotterdam](https://scholar4ai.com/institutions/erasmus-university-rotterdam.md) | 1 |
| 8 | Esade | 1 |
| 9 | Federal Reserve Bank of Minneapolis | 1 |
| 10 | Humboldt-Universität zu Berlin | 1 |

*Countries with the most papers, since 2023*

| # | Country | Papers |
|---:|---|---:|
| 1 | United States | 14 |
| 2 | United Kingdom | 5 |
| 3 | Canada | 3 |
| 4 | Germany | 3 |
| 5 | Spain | 3 |
| 6 | Finland | 1 |
| 7 | Hong Kong | 1 |
| 8 | Italy | 1 |
| 9 | Netherlands | 1 |
| 10 | Norway | 1 |

*Keywords with the most papers, since 2023*

| # | Keyword | Papers |
|---:|---|---:|
| 1 | Home Mortgage Disclosure Act | 4 |
| 2 | mortgage lending | 4 |
| 3 | Hispanic borrowers | 3 |
| 4 | credit scores | 3 |
| 5 | interest rates | 3 |
| 6 | bank balance sheets | 2 |
| 7 | credit supply | 2 |
| 8 | homeownership | 2 |
| 9 | minority borrowers | 2 |
| 10 | mortgage brokers | 2 |

## Most-cited papers

*Most-cited papers since 2017*

| # | Citations | Per month | Title | Journal | Published | Authors |
|---:|---:|---:|---|---|---|---|
| 1 | 26 | 0.3 | [Mortgage Lending Discrimination Across the U.S.: New Methodology and New Evidence](https://doi.org/10.1007/s10693-018-0290-0) | [Journal of Financial Services Research](https://scholar4ai.com/journals/journal-of-financial-services-research.md) | 2018-03-17 | Manthos D. Delis, Panagiotis Papadopoulos |
| 2 | 25 | 0.3 | [The real consequences of bank mortgage lending standards](https://doi.org/10.1016/j.jfi.2019.100846) | [Journal of Financial Intermediation](https://scholar4ai.com/journals/journal-of-financial-intermediation.md) | 2019-10-24 | Cindy M. Vojtech, Benjamin S. Kay, John C. Driscoll |
| 3 | 18 | 0.2 | [Bank adaptation to neighborhood change: Mortgage lending and the Community Reinvestment Act](https://doi.org/10.1016/j.jue.2019.103211) | [Journal of Urban Economics](https://scholar4ai.com/journals/journal-of-urban-economics.md) | 2019-11-08 | Hyojung Lee, Raphael W. Bostic |
| 4 | 15 | 0.2 | [The Price of Mortgage Financing for Native Americans](https://doi.org/10.1007/s41996-020-00069-8) | [Journal of Economics Race and Policy](https://scholar4ai.com/journals/journal-of-economics-race-and-policy.md) | 2020-11-13 | Laura Cattaneo, Donna L. Feir |
| 5 | 11 | 0.4 | [Racial disparities in debt collection](https://doi.org/10.1016/j.jbankfin.2024.107208) | [Journal of Banking & Finance](https://scholar4ai.com/journals/journal-of-banking-finance.md) | 2024-05-08 | Jessica LaVoice, Domonkos F. Vamossy |

## Used together with

Papers use HMDA mortgage data most often with American Community Survey (7), Call Reports (6) and Credit bureaus (Equifax, Experian, TransUnion) (4); it has 6 partners in the code and data network, in the group around S&P 500, Economic Policy…, Compustat.

*What papers use HMDA mortgage data together with (at least 3 papers; lift 1 = chance)*

| Used with | Type | Papers using both | Lift |
|---|---|---:|---:|
| [American Community Survey](https://scholar4ai.com/datasets/american-community-survey.md) | Dataset | 7 | 34.3 |
| [Call Reports](https://scholar4ai.com/datasets/call-reports.md) | Dataset | 6 | 133.8 |
| [Credit bureaus (Equifax, Experian, TransUnion)](https://scholar4ai.com/datasets/credit-bureaus-equifax-experian-transunion.md) | Dataset | 4 | 54.2 |
| [FDIC Summary of Deposits](https://scholar4ai.com/datasets/fdic-summary-of-deposits.md) | Dataset | 4 | 263.6 |
| [Zillow (ZTRAX, ZHVI)](https://scholar4ai.com/datasets/zillow-ztrax-zhvi.md) | Dataset | 4 | 152.6 |
| [FEMA disaster data](https://scholar4ai.com/datasets/fema-disaster-data.md) | Dataset | 3 | 58.8 |

The whole network: https://scholar4ai.com/code/network.md

## Cite this page

Scholar4AI. (2026). HMDA mortgage data. Journal and Conference Research Rankings. Retrieved November 5, 2026, from https://scholar4ai.com/datasets/hmda-mortgage-data

```bibtex
@misc{scholar4ai-datasets-hmda-mortgage-data,
  author = {{Scholar4AI}},
  title = {HMDA mortgage data},
  year = {2026},
  howpublished = {\url{https://scholar4ai.com/datasets/hmda-mortgage-data}},
  urldate = {2026-11-05},
  note = {Journal and Conference Research Rankings; data from OpenAlex (CC0); licensed CC BY-NC 4.0}
}
```

License: CC BY-NC 4.0 (https://creativecommons.org/licenses/by-nc/4.0/).