Unfortunately or not unfortunately
depending on how badly people want to report, those types of loans and account activity are not reported by banks or CU's. The only indicator that can be used is HMDA data. To be fair, NCRC also did a very intense study on HMDA data from the top banks in the nation, and the results were somewhat scathing
They really are equal opportunity thugs
But, when reading that study, I had to agree, there were issues to be concerned with. It was a good bench mark to judge myself against to know how we stack up. Probably the best one out there.
There are more reports than can be named here discussing the value of homeownership to rise folks out of poverty. It's a clear indicator of a rise in financial stature, allowing for the accumulation of assets (or equity) in something tangible. I think that's yet another reason why HMDA data is used.