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Sharp rise in non-bank mortgage lenders reshaping lending landscape.

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The 2014 Home Mortgage Disclosure Act Data
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The article looks at mortgage lending trends up to 2014, focusing on race, ethnicity, and income. It examines how new rules affected credit availability, changes in mortgage laws, and the rise of non-bank lenders in the market. Key findings include a significant increase in independent non-banks' market share in mortgage origination.