Trends behind the mortgage boom

The volume of home loans made in 2012 was the highest since the housing crisis, Home Mortgage Disclosure Act data show. Federal Reserve research reveals that amid the boom, racial and ethnic wealth gaps exist, and many borrowers are having trouble making down payments. The Fed also found that the quality of new loans is high, the qualified-mortgage rule shouldn't be a problem for lenders and the Community Reinvestment Act didn't cause the mortgage crisis.

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