Data Sources :

• U.S. Census Bureau, American Community Survey 2008 (homeownership rates by race)
• Federal Financial Institutions Examinations Council, 2008 HMDA Statement for Columbus MSA (data on home purchase loans)

For more information about sources

Definitions:

• Government home purchase loans: Includes FHA, FSA/RHA, and VA home purchase loans.
• Other disposition: Includes applications approved but not accepted, applications withdrawn, and files closed as incomplete.
• Other/Multiracial: Includes applicants identified as American Indian, Alaskan Native, Pacific Islander, Hispanic and joint white/minority.

Explanations and Caveats:

• The Home Mortgage Disclosure Act (HMDA) requires lending institutions to make annual disclosures of their home mortgage and home improvement lending activity. Data for the 2007 HMDA Report for the Columbus MSA were collected from 617 financial institutions, of which 256 have a home or branch in the MSA.