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  "notes": "Mortgage lending information comes from the Federal 
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  "notes": "Mortgage lending information comes from the Federal 
            
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Financial Institutions Examination Council's (FFIEC) Home Mortgage 
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Financial Institutions Examination Council's (FFIEC) Home Mortgage 
            
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Disclosure Act (HMDA) data. Loan originations are the creation of a 
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Disclosure Act (HMDA) data. Loan originations are the creation of a 
            
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loan after bank approval. Loan origination rates are calculated from 
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loan after bank approval. Loan origination rates are calculated from 
            
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the number of loan applications that were either approved or 
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the number of loan applications that were either approved or 
            
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denied\u2014what is termed as decisioned applications. For all charts, 
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denied\u2014what is termed as decisioned applications. For all charts, 
            
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the loan\u2019s purpose can be selected via a dropdown list. Trends 
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the loan\u2019s purpose can be selected via a dropdown list. Trends 
            
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are summarized by all loan purposes and by Loans for home purchase, 
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are summarized by all loan purposes and by Loans for home purchase, 
            
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home improvement, or refinancing.",
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