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REGULATORY DISCLOSURE REQUIREMENTS


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FEDERAL FINANCIAL INSTITUTIONS EXAMINATION COUNCIL

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.

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, 3501 FAIRFAX DRIVE, ROOM B-7081a, ARLINGTON, VA 22226.

CHANGES FOR 2009 DATA

ON JULY 14, 2008, THE FEDERAL RESERVE BOARD ANNOUNCED AMENDMENTS TO REGULATION C THAT REVISED THE RULES FOR REPORTING PRICE INFORMATION ON HIGHER-PRICED LOANS.  FOR LOAN APPLICATIONS TAKEN PRIOR TO OCTOBER 1, 2009, HMDA REQUIRED LENDERS TO COMPARE THE ANNUAL PERCENTAGE RATE (APR) ON THE LOAN TO THE YIELD ON A TREASURY SECURITY WITH A COMPARABLE TERM TO MATURITY TO DETERMINE WHETHER A LOAN WAS REQUIRED TO BE REPORTED AS HIGHER-PRICED.  IF THE DIFFERENCE EXCEEDED 3 PERCENTAGE POINTS FOR A FIRST-LIEN LOAN OR 5 PERCENTAGE POINTS FOR A JUNIOR-LIEN LOAN IT WAS CLASSIFIED AS HIGHER-PRICED AND THE RATE SPREAD WAS REPORTED.

UNDER THE AMENDED RULE, LENDERS INSTEAD COMPARE THE APR ON THE LOAN TO A SURVEY-BASED ESTIMATE OF APRs CURRENTLY OFFERED ON PRIME MORTGAGE LOANS OF A COMPARABLE TYPE.  LENDERS THEN REPORT THE SPREAD IF THE SPREAD IS EQUAL TO OR GREATER THAN 1.5 PERCENTAGE POINTS FOR A FIRST-LIEN LOAN OR 3.5 PERCENTAGE POINTS FOR A SUBORDINATE-LIEN LOAN.  THE REVISED REPORTING METHODOLOGY APPLIES TO LOAN APPLICATIONS TAKEN ON OR AFTER OCTOBER 1, 2009 AND FOR LOANS THAT CLOSE ON OR AFTER JANUARY 1, 2010, REGARDLESS OF THEIR APPLICATION DATES.

THE CHANGES TO THE INSTITUTION DISCLOSURE STATEMENTS AND MSA AGGREGATE REPORTS ONLY AFFECT TABLES THAT INCLUDE LOAN PRICING INFORMATION (TABLES 3-2, 11-1 THROUGH 11-10, 12-2 AND TABLE B).  THE TABLES THAT INCLUDE LOAN PRICING INFORMATION ONLY INCLUDE LOANS THAT HAD APPLICATION DATES PRIOR TO OCTOBER 1, 2009.  THE ONLY EXCEPTION IS THAT IN THESE TABLES THE DATA PERTAINING TO THE NUMBER OR DOLLAR AMOUNT OF HOEPA LOANS INCLUDES ALL SUCH LOANS MADE IN 2009 REGARDLESS OF THE DATE OF APPLICATION.  INFORMATION ON WHICH APPLICATIONS ARE COVERED IN EACH TABLE IS INCLUDED IN THE TITLE OF THE TABLE.
   

CONTENT OF 2009 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 INSTITUTIONíS LENDING ACTIVITY. FOR EXAMPLE, IF DURNG 2009 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 2009. 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, 2009
TABLE 2 LOANS PURCHASED, BY LOCATION OF PROPERTY AND TYPE OF LOAN, 2009
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), 2009
TABLE 3-2 PRICING INFORMATION FOR FIRST AND JUNIOR LIEN LOANS SOLD BY TYPE OF PURCHASER (INCLUDES ORIGINATIONS ONLY), 2009 (EXCLUDES LOANS WITH APPLICATION DATES BETWEEN OCTOBER 1, 2009 AND DECEMBER 31, 2009 WITH THE EXCEPTION THAT THE HOEPA LOANS ROW REFLECTS ACTIVITY FOR THE FULL YEAR)
TABLES 4-1 THROUGH 4-7 DISPOSITION OF APPLICATIONS FOR LOANS, BY RACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2009 (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, 2009 (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, 2009 (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, 2009 (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, 2009 (AGGREGATE DATA ONLY)
TABLE 10 DISPOSITION OF LOAN APPLICATIONS, BY PRINCIPAL CITY VERSUS NON-PRINCIPAL CITY PROPERTY LOCATIONS AND TYPE OF LOAN, 2009 (AGGREGATE DATA ONLY)
TABLES 11-1 THROUGH 11-4 PRICING INFORMATION FOR LOANS ON 1- TO 4-FAMILY, OWNER-OCCUPIED, BY BORROWER OR CENSUS TRACT CHARACTERISTICS, 2009 (ONE FOR EACH TYPE OF LOAN FOR FIRST LIENS AND JUNIOR LIENS: FHA HOME-PURCHASE; VA HOME-PURCHASE; AND CONVENTIONAL HOME-PURCHASE) (EXCLUDES LOANS WITH APPLICATION DATES BETWEEN OCTOBER 1, 2009 AND DECEMBER 31, 2009)
TABLES 11-5 THROUGH 11-10 PRICING INFORMATION FOR LOANS ON 1- TO 4-FAMILY, OWNER-OCCUPIED, BY BORROWER OR CENSUS TRACT CHARACTERISTICS, 2009 (ONE FOR EACH TYPE OF LOAN FOR FIRST LIENS AND JUNIOR LIENS: FHA REFINANCINGS; VA REFINANCINGS; CONVENTIONAL REFINANCINGS; AND CONVENTIONAL HOME IMPROVEMENTS) (EXCLUDES LOANS WITH APPLICATION DATES BETWEEN OCTOBER 1, 2009 AND DECEMBER 31, 2009 WITH THE EXCEPTION THAT THE HOEPA LOANS COLUMN REFLECTS ACTIVITY FOR THE FULL YEAR)
TABLE 12-1 DISPOSITION OF APPLICATIONS FOR CONVENTIONAL MANUFACTURED HOME-PURCHASE LOANS, FIRST LIEN, OWNER-OCCUPIED DWELLING, BY BORROWER OR CENSUS TRACT CHARACTERISTICS, 2009
TABLE 12-2 PRICING INFORMATION FOR CONVENTIONAL MANUFACTURED HOME-PURCHASE LOANS, FIRST LIEN, OWNER-OCCUPIED DWELLING, BY BORROWER OR CENSUS TRACT CHARACTERISTICS, 2009 (EXCLUDES LOANS WITH APPLICATION DATES BETWEEN OCTOBER 1, 2009 AND DECEMBER 31, 2009)
SUMMARY TABLE A-1 DISPOSITION OF APPLICATIONS AND LOAN SALES BY LOAN TYPE ON 1- TO 4-FAMILY DWELLINGS (EXCLUDES MANUFACTURED HOMES), 2009
SUMMARY TABLE A-2 DISPOSITION OF APPLICATIONS AND LOAN SALES BY LOAN TYPE ON MANUFACTURED HOMES, 2009
SUMMARY TABLE A-3 DISPOSITION OF APPLICATIONS AND LOAN SALES BY LOAN TYPE ON MULTIFAMILY HOUSING, 2009
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, 2009
SUMMARY TABLE B LOAN PRICING INFORMATION FOR CONVENTIONAL LOANS BY INCIDENCE AND LEVEL, 2009 (EXCLUDES LOANS WITH APPLICATION DATES BETWEEN OCTOBER 1, 2009 AND DECEMBER 31, 2009 WITH THE EXCEPTION THAT THE HOEPA STATUS SECTION REFLECTS ACTIVITY FOR THE FULL YEAR)
 

INSTITUTION LEVEL REPORTS

TABLE NUMBER DESCRIPTION
SUPPLEMENTAL TABLE 1 DISPOSITION OF LOAN APPLICATIONS, BY LOCATION OF PROPERTY AND TYPE OF LOAN, 2009 (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, 2009 (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), 2009 (REFLECTS INSTITUTIONíS TOTAL ACTIVITY NATIONWIDE) (DISCLOSURE DATA ONLY)
SUMMARY TABLE A-2W DISPOSITION OF APPLICATIONS AND LOAN SALES BY LOAN TYPE, MANUFACTURED HOME, 2009 (REFLECTS INSTITUTIONíS TOTAL ACTIVITY NATIONWIDE) (DISCLOSURE DATA ONLY)
SUMMARY TABLE A-3W DISPOSITION OF APPLICATIONS AND LOAN SALES BY LOAN TYPE, MULTIFAMILY, 2009 (REFLECTS INSTITUTIONíS 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, 2009 (REFLECTS INSTITUTIONíS TOTAL ACTIVITY NATIONWIDE) (DISCLOSURE DATA ONLY)
SUMMARY TABLE BW LOAN PRICING INFORMATION FOR CONVENTIONAL LOANS BY INCIDENCE AND LEVEL, 2009 (REFLECTS INSTITUTIONíS TOTAL ACTIVITY NATIONWIDE) (DISCLOSURE DATA ONLY) (EXCLUDES LOANS WITH APPLICATION DATES BETWEEN OCTOBER 1, 2009 AND DECEMBER 31, 2009 WITH THE EXCEPTION THAT THE HOEPA STATUS SECTION REFLECTS ACTIVITY FOR THE FULL YEAR)
IRS REPORT INSTITUTION REGISTER SUMMARY REPORT (INCLUDES ALL DATA) (DISCLOSURE DATA ONLY)