Looking for the best place to pitch combination loans to interested borrowers? New Home Mortgage Disclosure Act data suggests that residents in low-income and minority neighborhoods make greater use of 80-20s and 80-10-10 loans than borrowers in other areas. That was one of the key findings from an analysis of HMDA data completed by the Federal Reserve Board, published earlier this month, which tried to get a handle on how piggybacks are being used – and who is using them...