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National Aggregate

PRIVATE MORTGAGE INSURANCE NATIONAL AGGREGATE INFORMATION SHEET

The private mortgage insurance companies have arranged through the Board of Governors of the Federal Reserve System to prepare the national aggregate reports on behalf of the institutions reporting information on the disposition of applications for mortgage insurance. They are reports of the Private Mortgage Insurance (PMI) data in table format. Depending on the reported data, there can be up to 21 tables, showing the number and dollar amount of lending, cross-tabulated by loan, applicant, and geographic characteristics. Individual institutions' data cannot be identified in the national aggregate reports. The PMI national aggregate reports are available on the Web only (http://www.ffiec.gov/reports.htm).

Changes for 2012 Data

For calendar year 2012, to categorize census tracts by income we rely on the 2010 Census and 2006-2010 American Community Survey (ACS) Five-Year Estimates to determine the median family income for each MSA/MD. For categorizing applicants or borrowers, we rely on information obtained from the Federal Financial Institutions Examination Council (FFIEC) for an updated estimate of the median family income for each MSA/MD. The use of the decennial Census 2010 and of the 2006-2010 ACS Five-Year Estimates in creating the Aggregate tables has resulted in a column change for Table 9 and the deletion of Table 10.

Updated: Table 9

The year ranges for the Census Tracts by Median Age of Homes were recategorized to 2000-2010; 1990-1999; 1980-1989; 1970-1979; 1969 or earlier; and Age Unknown.

Removed: Table 10

The principal city flag was not able to be updated using the 2010 Census and 2006-2010 ACS Five-Year Estimates. Consequently, Table 10 was deleted for CY 2012 PMIC data.

Content of 2012 National Aggregate Report Tables

The following is a list of the PMI national aggregate tables that have been prepared covering the data for calendar year 2012.

Table Number Description
Tables 4-2, 4-3, 4-6 and 4-7 DISPOSITION OF LOAN APPLICATIONS FOR MORTGAGE INSURANCE FOR LOANS, BY RACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2012 (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, 2012 (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, 2012 (ONE FOR EACH TYPE OF LOAN)
Tables 8-2, 8-3, 8-6 and 8-7 REASONS FOR DENIAL OF MORTGAGE INSURANCE APPLICATIONS, BY RACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2012 (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, 2012 (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, 2012
Summary Table A1 DISPOSITION OF APPLICATIONS FOR MORTGAGE INSURANCE BY LOAN TYPE ON 1- TO 4-FAMILY DWELLINGS (EXCLUDES MANUFACTURED HOMES), 2012
Summary Table A2 DISPOSITION OF APPLICATIONS FOR MORTGAGE INSURANCE BY LOAN TYPE, MANUFACTURED HOMES, 2012