HOME MORTGAGE DISCLOSURE ACT AGGREGATE AND DISCLOSURE INFORMATION SHEET

THE HOME MORTGAGE DISCLOSURE ACT (HMDA) REQUIRES LENDING INSTITUTIONS TO MAKE ANNUAL PUBLIC DISCLOSURES OF THEIR HOME MORTGAGE AND HOME IMPROVEMENT LENDING ACTIVITY. DISCLOSURES ARE PUBLICLY AVAILABLE NOT ONLY AT THE INSTITUTIONS' OWN OFFICES, BUT ALSO ON THE WEB AT WWW.FFIEC.GOV. IN ADDITION TO EACH LENDING INSTITUTION'S INDIVIDUAL DISCLOSURE STATEMENT, AGGREGATE DATA TABLES COVERING THE LENDING ACTIVITY OF ALL INSTITUTIONS SUBJECT TO HMDA IN EACH MSA/MD FOR THE ENTIRE NATION ARE MADE AVAILABLE ON THE INTERNET.

THE HMDA DATA ON THE WEB INCLUDES DATA FROM THE UNIVERSE OF REPORTERS; THEREFORE, USERS WILL HAVE ACCESS TO THE INDIVIDUAL DISCLOSURE STATEMENT FOR EACH INSTITUTION REPORTING HMDA AND AGGREGATE TABLES FOR EACH MSA/MD NATIONWIDE.

AS IN THE PAST, TO CATEGORIZE CENSUS TRACTS BY INCOME WE RELY ON THE 2000 CENSUS TO DETERMINE THE MEDIAN FAMILY INCOME FOR EACH MSA/MD.  FOR CATEGORIZING APPLICANTS OR BORROWERS, WE RELY ON INFORMATION OBTAINED FROM THE DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT (HUD) FOR AN UPDATED ESTIMATE OF THE MEDIAN FAMILY INCOME FOR EACH MSA/MD.

CHANGES FOR 2005 DATA

THE MEAN AND MEDIAN FIELDS THAT CONTAINED “NA” ON THE CALENDAR YEAR 2004 PRICING TABLES THAT DISPLAY DOLLAR ($000’S) AMOUNTS (TABLES 3-2, TABLE 11 SERIES, AND TABLE 12-2) ARE REPLACED WITH A WEIGHTED MEAN AND MEDIAN.

NOTE THAT, IN ALL TABLES REFLECTING LOAN PRICING DATA, LOANS WITH AN APPLICATION DATE PRIOR TO JANUARY 1, 2004 ARE EXCLUDED. THIS ADDRESSES POTENTIAL DISTORTIONS OF THE DATA THAT MIGHT OTHERWISE ARISE BECAUSE OF THE SPECIAL TRANSITION RULE, WHICH ALLOWS INSTITUTIONS TO OMIT REPORTING RATE SPREAD ON A LOAN IF THE RATE WAS SET BEFORE THAT DATE. FOR MORE INFORMATION ON THE TRANSITION RULE, SEE THE NOTICE PUBLISHED MAY 23, 2003 (68 FR 31589) AT THE FEDERAL RESERVE’S WEBSITE, AT WWW.FEDERALRESERVE.GOV/BOARDDOCS/PRESS/BCREG/2003.

QUESTIONS OR COMMENTS

ANY QUESTIONS OR COMMENTS ABOUT THE HMDA DATA MAY BE DIRECTED IN WRITING TO THE EXECUTIVE SECRETARY, FEDERAL FINANCIAL INSTITUTIONS EXAMINATION COUNCIL, 3510 FAIRFAX DRIVE, ROOM 3086, ARLINGTON, VA 22226.

CONTENT OF 2005 AGGREGATE AND DISCLOSURE STATEMENT TABLES

A DISCLOSURE STATEMENT MAY CONTAIN UP TO 49 TABLES FOR EACH MSA/MD. IN ADDITION, A DISCLOSURE STATEMENT MAY CONTAIN TWO SUPPLEMENTAL TABLES, AND SUMMARY TABLES A-1 THROUGH B (SUMMARIZED AT THE NATIONWIDE LEVEL OF THE INSTITUTION). ALSO, IT WILL CONTAIN AN INSTITUTION REGISTER SUMMARY (IRS) REPORT, WHICH REFLECTS ALL THE DATA REPORTED BY AN INSTITUTION FOR SPECIFIC LOAN/APPLICATION REGISTER (LAR) FIELDS IN A SUMMARY REPORT.

THE INCLUSION OF A TABLE IN THE DISCLOSURE DATA DEPENDS ON YOUR INSTITUTION’S LENDING ACTIVITY. FOR EXAMPLE, IF DURNG 2005 YOU DID NOT PURCHASE ANY MORTGAGE LOANS IN A PARTICULAR MSA/MD, YOUR STATEMENT WILL NOT CONTAIN TABLE 2 FOR THAT MSA/MD. SIMILARLY, IF YOU DID NOT ORIGINATE (OR RECEIVE APPLICATIONS FOR) HOME IMPROVEMENT LOANS, YOUR STATEMENT WILL NOT INCLUDE TABLES 4-4, 5-4, 7-4, OR 8-4; AND IF YOU DID NOT REPORT REASONS FOR DENIALS OF LOAN APPLICATIONS, YOUR STATEMENT WILL NOT INCLUDE TABLES 8-1 THROUGH 8-7.

AGGREGATE TABLES SHOW THE AGGREGATE LENDING ACTVITY FOR ALL FINANCIAL INSTITUTIONS COVERED BY HMDA FOR EACH MSA/MD FOR THE ENTIRE NATION. ONE MSA/MD AGGREGATE TABLE DOCUMENT MAY CONTAIN UP TO 52 TABLES.

THE FOLLOWING IS A LIST OF THE AGGREGATE AND DISCLOSURE TABLES THAT HAVE BEEN PREPARED COVERING THE DATA FOR CALENDAR YEAR 2005. TABLES INCLUDED IN THE AGGREGATE DATA ONLY OR DISCLOSURE DATA ONLY ARE IDENTIFIED.  
 

TABLE NUMBER	DESCRIPTION
TABLE i	REPORTING INSTITUTIONS WHO HAVE A HOME OR BRANCH OFFICE IN THE MSA/MD (AGGREGATE DATA ONLY)
TABLE 1	DISPOSITION OF LOAN APPLICATIONS, BY LOCATION OF PROPERTY AND TYPE OF LOAN, 2005
TABLE 2	LOANS PURCHASED, BY LOCATION OF PROPERTY AND TYPE OF LOAN, 2005
TABLE 3-1	LOANS SOLD, BY CHARACTERISTICS OF BORROWER AND OF CENSUS TRACT IN WHICH PROPERTY IS LOCATED AND BY TYPE OF PURCHASER (INCLUDES ORIGINATIONS AND PURCHASED LOANS), 2005
TABLE 3-2	PRICING INFORMATION FOR FIRST AND JUNIOR LIEN LOANS SOLD BY TYPE OF PURCHASER (INCLUDES ORIGINATIONS ONLY), 2005
TABLES 4-1 THROUGH 4-7	DISPOSITION OF APPLICATIONS FOR LOANS, BY RACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2005 (ONE FOR EACH TYPE OF LOAN: FHA, FSA/RHS, AND VA HOME PURCHASE; CONVENTIONAL HOME PURCHASE; REFINANCING; HOME IMPROVEMENT; MULTIFAMILY; NONOCCUPANT; AND MANUFACTURED HOME DWELLINGS)
TABLES 5-1 THROUGH 5-7	DISPOSITION OF APPLICATIONS FOR LOANS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2005 (ONE FOR EACH TYPE OF LOAN)
TABLES 7-1 THROUGH 7-7	DISPOSITION OF APPLICATIONS FOR LOANS, BY CHARACTERISTICS OF CENSUS TRACT IN WHICH PROPERTY IS LOCATED, 2005 (ONE FOR EACH TYPE OF LOAN)
TABLES 8-1 THROUGH 8-7	REASONS FOR DENIAL OF APPLICATIONS, BY RACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2005 (ONE FOR EACH TYPE OF LOAN)
TABLE 9	DISPOSITION OF LOAN APPLICATIONS, BY MEDIAN AGE OF HOMES IN CENSUS TRACT IN WHICH PROPERTY IS LOCATED AND TYPE OF LOAN, 2005 (AGGREGATE DATA ONLY)
TABLE 10	DISPOSITION OF LOAN APPLICATIONS, BY PRINCIPAL CITY VERSUS NON-PRINCIPAL CITY PROPERTY LOCATIONS AND TYPE OF LOAN, 2005 (AGGREGATE DATA ONLY)
TABLES 11-1 THROUGH 11-10	PRICING INFORMATION FOR LOANS ON 1- TO 4-FAMILY, OWNER-OCCUPIED, BY BORROWER OR CENSUS TRACT CHARACTERISTICS, 2005 (ONE FOR EACH TYPE OF LOAN FOR FIRST LIENS AND JUNIOR LIENS: FHA HOME-PURCHASE; VA HOME-PURCHASE; CONVENTIONAL HOME-PURCHASE; FHA REFINANCINGS; VA REFINANCINGS; CONVENTIONAL REFINANCINGS; AND CONVENTIONAL HOME IMPROVEMENTS)
TABLES 12-1 AND 12-2	DISPOSITION OF APPLICATIONS AND PRICING INFORMATION FOR CONVENTIONAL MANUFACTURED HOME-PURCHASE LOANS, FIRST LIEN, OWNER-OCCUPIED DWELLING, BY BORROWER OR CENSUS TRACT CHARACTERISTICS, 2005
SUMMARY TABLE A-1	DISPOSITION OF APPLICATIONS AND LOAN SALES BY LOAN TYPE ON 1- TO 4-FAMILY DWELLINGS (EXCLUDES MANUFACTURED HOMES), 2005
SUMMARY TABLE A-2	DISPOSITION OF APPLICATIONS AND LOAN SALES BY LOAN TYPE ON MANUFACTURED HOMES, 2005
SUMMARY TABLE A-3	DISPOSITION OF APPLICATIONS AND LOAN SALES BY LOAN TYPE ON MULTIFAMILY HOUSING, 2005
SUMMARY TABLE A-4	DISPOSITION OF PREAPPROVALS FOR CONVENTIONAL HOME-PURCHASE LOANS, FIRST LIEN, 1- TO 4-FAMILY DWELLINGS (EXCLUDES MANUFACTURED HOMES), BY BORROWER OR CENSUS TRACT CHARACTERISTICS, 2005
SUMMARY TABLE B	LOAN PRICING INFORMATION FOR CONVENTIONAL LOANS BY INCIDENCE AND LEVEL, 2005

INSTITUTION LEVEL REPORTS

TABLE NUMBER	DESCRIPTION
SUPPLEMENTAL TABLE 1	DISPOSITION OF LOAN APPLICATIONS, BY LOCATION OF PROPERTY AND TYPE OF LOAN, 2005 (FOR PROPERTY NOT LOCATED IN MSA/MDS WHERE INSTITUTION HAS HOME OR BRANCH OFFICES) (DISCLOSURE DATA ONLY)
SUPPLEMENTAL TABLE 2	LOANS PURCHASED, BY LOCATION AND TYPE OF LOAN, 2005 (FOR PROPERTY NOT LOCATED IN MSA/MDS WHERE INSTITUTION HAS HOME OR BRANCH OFFICES) (DISCLOSURE DATA ONLY)
SUMMARY TABLE A-1W	DISPOSITION OF APPLICATIONS AND LOAN SALES BY LOAN TYPE, 1- TO 4-FAMILIES (EXCLUDES MANUFACTURED HOMES), 2005 (REFLECTS INSTITUTION’S TOTAL ACTIVITY NATIONWIDE) (DISCLOSURE DATA ONLY)
SUMMARY TABLE A-2W	DISPOSITION OF APPLICATIONS AND LOAN SALES BY LOAN TYPE, MANUFACTURED HOME, 2005 (REFLECTS INSTITUTION’S TOTAL ACTIVITY NATIONWIDE) (DISCLOSURE DATA ONLY)
SUMMARY TABLE A-3W	DISPOSITION OF APPLICATIONS AND LOAN SALES BY LOAN TYPE, MULTIFAMILY, 2005 (REFLECTS INSTITUTION’S TOTAL ACTIVITY NATIONWIDE) (DISCLOSURE DATA ONLY)
SUMMARY TABLE A-4W	DISPOSITION OF PREAPPROVALS FOR CONVENTIONAL HOME-PURCHASE LOANS, FIRST LIEN, 1- TO 4-FAMILY DWELLINGS (EXCLUDES MANUFACTURED HOMES), BY BORROWER OR CENSUS TRACT CHARACTERISTICS, 2005 (REFLECTS INSTITUTION’S TOTAL ACTIVITY NATIONWIDE) (DISCLOSURE DATA ONLY)
SUMMARY TABLE BW	LOAN PRICING INFORMATION FOR CONVENTIONAL LOANS BY INCIDENCE AND LEVEL, 2005 (REFLECTS INSTITUTION’S TOTAL ACTIVITY NATIONWIDE) (DISCLOSURE DATA ONLY)
IRS REPORT	INSTITUTION REGISTER SUMMARY REPORT (INCLUDES ALL DATA) (DISCLOSURE DATA ONLY)