About PMIC Aggregate and Disclosure Reports


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PRIVATE MORTGAGE INSURANCE AGGREGATE AND DISCLOSURE INFORMATION SHEET

PRIVATE MORTGAGE INSURANCE (PMI) COMPANIES HAVE ARRANGED THROUGH THE FEDERAL FINANCIAL INSTITUTIONS EXAMINATION COUNCIL (FFIEC) TO DISCLOSE INFORMATION TO THE PUBLIC ON THE DISPOSITION OF MORTGAGE INSURANCE APPLICATIONS. DISCLOSURES ARE PUBLICLY AVAILABLE AT THE COMPANIES' OWN OFFICES, AS WELL AS ON THE WEB (HTTP://WWW.FFIEC.GOV/REPORTS.HTM) IN ADDITION TO EACH PRIVATE MORTGAGE INSURANCE COMPANY?S INDIVIDUAL DISCLOSURE STATEMENT, AGGREGATE DATA TABLES COVERING THE MORTGAGE INSURANCE ACTIVITY OF ALL ACTIVE PMI COMPANIES IN A PARTICULAR MSA/MD ARE MADE AVAILABLE ON THE INTERNET.

THE PMI DATA ON THE WEB INCLUDES DATA FROM THE UNIVERSE OF REPORTERS; THEREFORE, USERS WILL HAVE ACCESS TO THE INDIVIDUAL DISCLOSURE STATEMENT FOR EACH PMI COMPANY REPORTING DATA 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 2009 DATA

THERE ARE NO CHANGES TO THE 2009 PMI AGGREGATE AND DISCLOSURE TABLES.

QUESTIONS OR COMMENTS

ANY QUESTIONS OR COMMENTS ABOUT THE DATA MAY BE DIRECTED IN WRITING TO THE EXECUTIVE SECRETARY, FEDERAL FINANCIAL INSTITUTIONS EXAMINATION COUNCIL, 3501 FAIRFAX DRIVE, ROOM B3030, ARLINGTON, VA 22226.

CONTENT OF 2009 AGGREGATE AND DISCLOSURE STATEMENT TABLES

A DISCLOSURE STATEMENT MAY CONTAIN UP TO 20 TABLES FOR EACH MSA/MD. IN ADDITION, A DISCLOSURE STATEMENT MAY CONTAIN ONE SUPPLEMENTAL TABLE, AND SUMMARY TABLES A-1 AND A-2 (SUMMARIZED AT THE NATIONWIDE LEVEL OF THE PMI COMPANY). ALSO, IT WILL CONTAIN AN INSTITUTION REGISTER SUMMARY (IRS) REPORT, WHICH REFLECTS ALL THE DATA REPORTED BY A PMI INSTITUTION FOR SPECIFIC LOAN/APPLICATION REGISTER (LAR) FIELDS IN A SUMMARY REPORT.

THE INCLUSION OF A TABLE IN THE DISCLOSURE DATA FOR A PARTICULAR PMI COMPANY DEPENDS ON THE INSTITUTION'S MORTGAGE INSURANCE ACTIVITY. FOR EXAMPLE, IF DURING 2009 THE INSTITUTION DID NOT REPORT REASONS FOR DENIALS ON APPLICATIONS FOR INSURANCE, ITS DISCLOSURE STATEMENT WILL NOT INCLUDE TABLES 8-2, 8-3, 8-6 OR 8-7.

AGGREGATE TABLES SHOW THE AGGREGATE LENDING ACTVITY FOR ALL PMI COMPANIES COVERED BY HMDA FOR EACH MSA/MD FOR THE ENTIRE NATION. ONE MSA/MD AGGREGATE TABLE DOCUMENT MAY CONTAIN UP TO 23 TABLES.

THE FOLLOWING IS A LIST OF THE AGGREGATE AND DISCLOSURE TABLES THAT HAVE BEEN PREPARED COVERING THE PMI 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 APPLICATIONS FOR MORTGAGE INSURANCE, BY LOCATION OF PROPERTY AND TYPE OF LOAN, 2009
TABLES 4-2, 4-3, 4-6 AND 4-7	DISPOSITION OF APPLICATIONS LOANS FOR MORTGAGE INSURANCE FOR LOANS, BY RACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2009 (ONE FOR EACH TYPE OF LOAN: CONVENTIONAL HOME PURCHASE; REFINANCING; NONOCCUPANT; AND MANUFACTURED HOME DWELLINGS)
TABLES 5-2, 5-3, 5-6 AND 5-7	DISPOSITION OF APPLICATIONS FOR MORTGAGE INSURANCE FOR LOANS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2009 (ONE FOR EACH TYPE OF LOAN)
TABLES 7-2, 7-3, 7-6 AND 7-7	DISPOSITION OF APPLICATIONS FOR MORTGAGE INSURANCE FOR LOANS, BY CHARACTERISTICS OF CENSUS TRACT IN WHICH PROPERTY IS LOCATED, 2009 (ONE FOR EACH TYPE OF LOAN)
TABLES 8-2, 8-3, 8-6 AND 8-7	REASONS FOR DENIAL OF MORTGAGE INSURANCE OF APPLICATIONS, BY RACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2009 (ONE FOR EACH TYPE OF LOAN)
TABLE 9	DISPOSITION OF APPLICATIONS FOR MORTGAGE INSURANCE FOR LOANS, 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 APPLICATIONS FOR MORTGAGE INSURANCE FOR LOANS, BY PRINCIPAL CITY VERSUS NON-PRINCIPAL CITY PROPERTY LOCATION AND TYPE OF LOAN, 2009 (AGGREGATE DATA ONLY)
TABLES 12-1	DISPOSITION OF APPLICATIONS FOR MORTGAGE INSURANCE FOR CONVENTIONAL MANUFACTURED HOME-PURCHASE LOANS, FIRST LIEN, OWNER-OCCUPIED DWELLING, BY BORROWER OR CENSUS TRACT CHARACTERISTICS, 2009
SUMMARY TABLE A-1	DISPOSITION OF APPLICATIONS FOR MORTGAGE INSURANCE FOR LOANS BY LOAN TYPE ON 1- TO 4-FAMILY DWELLINGS (EXCLUDES MANUFACTURED HOMES), 2009
SUMMARY TABLE A-2	DISPOSITION OF APPLICATIONS FOR MORTGAGE INSURANCE BY LOAN TYPE, MANUFACTURED HOMES, 2009

INSTITUTION LEVEL REPORTS

TABLE NUMBER DESCRIPTION

SUPPLEMENTAL TABLE 1 DISPOSITION OF APPLICATIONS FOR MORTGAGE INSURANCE, 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)

SUMMARY TABLE A-1W DISPOSITION OF APPLICATIONS FOR MORTGAGE INSURANCE BY LOAN TYPE, 1- TO 4-FAMILIES (EXCLUDES MANUFACTURED HOMES), 2009 (REFLECTS INSTITUTION'S TOTAL ACTIVITY NATIONWIDE) (DISCLOSURE DATA ONLY)

SUMMARY TABLE A-2W DISPOSITION OF APPLICATIONS FOR MORTGAGE INSURANCE BY LOAN TYPE, MANUFACTURED HOME, 2009 (REFLECTS INSTITUTION'S TOTAL ACTIVITY NATIONWIDE) (DISCLOSURE DATA ONLY)

IRS REPORT INSTITUTION REGISTER SUMMARY REPORT (INCLUDES ALL DATA) (DISCLOSURE DATA ONLY)