Geocoding System

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The FFIEC Geocoding System allows you to retrieve Metropolitan Statistical Area (MSA), State, County, and Census Tract codes for street addresses. Beginning with 2004, Metropolitan Area was changed to a 5-digit Metropolitan Statistical Area/Metropolitan Division (MSA/MD) number.

It is primarily intended to assist financial institutions covered by the Home Mortgage Disclosure Act (HMDA) and Community Reinvestment Act (CRA) to meet their reporting obligation. However, the system is also useful for obtaining demographic information (mainly population and income data).

Requirements

This system requires you to enter a street address along with a city and state OR a zip code. You do not need to fill in all four fields. Make sure that your address is accurate. If it is a street, do not enter it as an avenue or boulevard, etc. Do not include apartment numbers with the street number and address. Include the correct city and state or zip code for the street address. The System does not geocode P.O. Boxes or Rural Routes.

Once you have entered the address information in the appropriate boxes, click on the 'Search' button to obtain the geocodes.

The 'Reset' button erases the information you have entered.

When an address is not found

It is possible that a provided street address will not be found and consequently no geocode information will be returned. While this should not occur frequently, it is normal because the geocode database that the FFIEC uses to map street addresses is current only to certain dates, and street addresses added after that date will not be located. Even after the next update is received, it is still possible for an address to not be included in the database and geocode information still will not be found.

To overcome this problem the FFIEC added a feature to the geocoding system that displays an area street map based on a combination of street address and zip code, or street address, city and state. A red triangle will mark the center of the zip code area on the display. Click on the map and zoom in/out to locate the cross streets for the address and identify a census tract code. In addition, there are census tract maps and other tools available from the U.S. Census Bureau.

Be Aware

The information provided by this system is for the reporting of 2011, 2012, and 2013 CRA and HMDA data. Geocoding information for 2011 is based on the 2000 Census tract definitions. Geocoding information for 2012 and 2013 is based on the 2010 Census tract definitions. It is critical that you select the correct activity year when using the FFIEC Geocoding System.

If you are geocoding for a year other than 2011, 2012, or 2013, the information may not be valid. The state and county codes can change when a new state or county is created, and census tract codes are only adjusted every ten years in conjunction with the decennial Census. However, MSA and MetroDiv boundaries are adjusted annually. These boundary adjustments are determined by the Office of Management and Budget (OMB) and are usually published in June. The new MSA, MetroDiv and county information is used in CRA and HMDA reporting beginning the January after the June announcement by OMB. Although annual modifications are usually minor, it is important to understand that these modifications will affect the validity of your data.

In June 2003, the Office of Management and Budget (OMB) established revised definitions for existing Metropolitan Statistical Areas, recognized 49 new Metropolitan Statistical Areas, and designated Metropolitan Divisions in those Metropolitan Statistical Areas that have a single core with a population of at least 2.5 million. There are 11 Metropolitan Statistical Areas (Boston, Chicago, Dallas, Detroit, Los Angeles, Miami, New York, Philadelphia, San Francisco, Seattle, and Washington) that have a total of 29 Metropolitan Divisions. In these cases, the 5-digit Metropolitan Division number is used. Beginning January 1, 2004 the Metropolitan Division number appears as the MSA/MD code in the Geocoding Search Results instead of the Metropolitan Statistical Area number for the larger populated area.

Effective for 2005 data, a Distressed/Underserved column indicator was added to the system. A 'Yes' in this column indicates that the tract is designated as Nonmetropolitan Middle-Income Distressed or Underserved geography based on criteria designated by federal banking and thrift regulators.

In December 2006, the Office of Management and Budget (OMB) updated statistical areas to include changes in principal cities and in area titles. The list of changes is provided below:

  • Two new MSAs:
    • Lake Havasu City-Kingman, Arizona (MSA 29420, consisting of Mohave County, code 015);
    • Palm Coast, Florida (MSA 37380, consisting of Flagler County, code 035).
  • Essex County, Massachusetts Metropolitan Division (MD 21604) was changed to Peabody, Massachusetts Metropolitan Division (code 37764). The only county in MD 37764 is Essex (code 009).

In November 2007, the Office of Management and Budget (OMB) updated statistical areas to include changes in principal cities and in area titles. The change is provided below:

  • Sarasota-Bradenton-Venice, FL Metropolitan Statistical Area (code 42260) was changed to Bradenton-Sarasota-Venice, FL Metropolitan Statistical Area (code 14600).

In November 2008, the Office of Management and Budget (OMB) updated statistical areas to include changes in principal cities and in area titles. The changes are provided below:

  • Three new Metropolitan Statistical Areas (MSAs):
    • Cape Girardeau-Jackson, MO-IL (MSA 16020) consisting of Alexander County, IL, code 003; Bollinger County, MO, code 017; and Cape Girardeau County, MO, code 031.
    • Manhattan, KS (MSA 31740) consisting of Geary County, code 061; Pottawatomie County, code 149; and Riley County, code 161.
    • Mankato-North Mankato, MN (MSA 31860) consisting of Blue Earth County, code 013; and Nicollet County, code 103.

In December 2009, the Office of Management and Budget (OMB) updated statistical areas to include changes in principal cities and in area titles. The changes are provided below:

  • Three Metropolitan Statistical Areas (MSAs) codes changed:
    • Bradenton-Sarasota-Venice, FL (MSA 14600) was changed to North Port-Bradenton-Sarasota, FL (MSA 35840).
    • Fort Walton Beach-Crestview-Destin, FL (MSA 23020) was changed to Crestview-Fort Walton Beach-Destin, FL (MSA 18880).
    • Weirton-Steubenville, WV-OH (MSA 48260) was changed to Steubenville-Weirton, OH-WV (MSA 44600).

Effective for 2010 data, one county was deleted and two new counties were added:

  • Skagway-Hoonah-Angoon Census Area, AK (02-232) was deleted and split to create two new counties: Skagway Municipality, AK (02-230) and Hoonah-Angoon Census Area, AK (02-105).

The Office of Management and Budget did not publish any MSA or MetroDiv changes, effective for 2011 data, however three new counties were added and two counties were deleted:

  • Wrangell-Petersburg Census Area, AK (02-280) was deleted and split to create two new counties: Wrangell City and Borough Census Area, AK (02-275) and Petersburg Census Area, AK (02-195).
  • Prince of Wales-Outer Ketchikan Census Area, AK (02-201) was deleted and split to create one new county: Prince of Wales-Hyder Census Area, AK (02-198).

The Office of Management and Budget did not publish any MSA or MetroDiv changes, effective for 2012 data, however several new census tracts were added and/or revised based on the 2010 Census Decennial published by the U.S. Census Bureau.

The FFIEC released, in June 2012, census demographic data using 2006-2010 American Community Survey (ACS) and Census 2010 SF1-based data.

The Office of Management and Budget (OMB) revised the delineations of Metropolitan Statistical Areas (MSAs) that were released in February 2013. The OMB revised definitions do not affect HMDA data collected in 2013. This is consistent with Appendix A ┬žI.C.1 of the HMDA regulations, which indicates that institutions should use the MSA boundaries in effect as of January 1 of the calendar year for which they are reporting. The new MSA definitions will apply to HMDA data collected on or after January 1, 2014.

Please see the OMB Bulletins for more information.


Last update: 01/15/2014 10:00 AM