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FEDERAL FINANCIAL INSTITUTIONS EXAMINATION COUNCIL

HOME MORTGAGE DISCLOSURE ACT FOR NATIONAL AGGREGATE REPORTS INFORMATION SHEET

THE HOME MORTGAGE DISCLOSURE ACT (HMDA) NATIONAL AGGREGATE REPORTS ARE PREPARED ANNUALLY BY THE FFIEC ON BEHALF OF INSTITUTIONS REPORTING HMDA DATA.  THEY ARE FACSIMILE REPORTS OF HMDA DATA IN TABLE FORMAT.  DEPENDING ON THE REPORTED DATA, THERE CAN BE UP TO 49 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 HMDA NATIONAL AGGREGATE REPORTS ARE AVAILABLE ON THE WEB ONLY.  

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 2010 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.  THE AMENDED RULE BECAME EFFECTIVE WITH THE 2009 DATA AND THE RULE WAS CARRIED OVER TO THE 2010 DATA.  LENDERS 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.  THIS REVISED REPORTING METHODOLOGY APPLIES TO LOANS THAT CLOSE ON OR AFTER JANUARY 1, 2010, REGARDLESS OF THEIR APPLICATION DATES.

THE REVISED REPORTING METHODOLOGY AFFECTS THE NATIONAL AGGREGATE REPORT TABLES THAT INCLUDE LOAN PRICING INFORMATION (TABLES 3-2, 11-1 THROUGH 11-10, 12-2 AND TABLE B).  THE PARAMETERS OF THE COLUMNS THAT SHOW THE NUMBER AND DOLLAR AMOUNTS OF HIGHER-PRICED LOANS BY SPREAD AMOUNT WAS CHANGED ON THESE TABLES.  NEW SPREAD RANGES ARE USED PROVIDING NARROWER RANGES FOR LOANS PRICED CLOSER TO THE REPORTING THRESHOLDS.

IN ADDITION, A NEW CATEGORY, “AGE UNKNOWN,” WAS ADDED FOR TABLE 9; IT CONTAINS THE CENSUS TRACTS WHERE THE MEDIAN AGE IS UNKNOWN.  (PREVIOUSLY, THOSE CENSUS TRACTS WHERE THE MEDIAN AGE WAS UNKNOWN WERE INCLUDED IN THE MOST RECENT CATEGORY.)  

CONTENT OF 2010 NATIONAL AGGREGATE REPORT TABLES

THE FOLLOWING IS A LIST OF THE NATIONAL AGGREGATE TABLES THAT HAVE BEEN PREPARED COVERING THE DATA FOR CALENDAR YEAR 2010.
 
TABLE NUMBER DESCRIPTION
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), 2010
TABLE 3-2 PRICING INFORMATION FOR FIRST AND JUNIOR LIEN LOANS SOLD BY TYPE OF PURCHASER (INCLUDES ORIGINATIONS ONLY), 2010
TABLES 4-1 THROUGH 4-7 DISPOSITION OF APPLICATIONS FOR LOANS, BY RACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2010 (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, 2010 (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, 2010 (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, 2010 (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, 2010
TABLE 10 DISPOSITION OF LOAN APPLICATIONS, BY PRINCIPAL CITY VERSUS NON-PRINCIPAL CITY PROPERTY LOCATION AND TYPE OF LOAN, 2010
TABLES 11-1 THROUGH 11-4 PRICING INFORMATION FOR LOANS ON 1- TO 4-FAMILY, OWNER-OCCUPIED, BY BORROWER OR CENSUS TRACT CHARACTERISTICS, 2010 (ONE FOR EACH TYPE OF LOAN FOR FIRST LIENS AND JUNIOR LIENS: FHA HOME-PURCHASE; VA HOME-PURCHASE; AND CONVENTIONAL HOME-PURCHASE)
TABLES 11-5 THROUGH 11-10 PRICING INFORMATION FOR LOANS ON 1- TO 4-FAMILY, OWNER-OCCUPIED, BY BORROWER OR CENSUS TRACT CHARACTERISTICS, 2010 (ONE FOR EACH TYPE OF LOAN FOR FIRST LIENS AND JUNIOR LIENS: FHA REFINANCINGS; VA REFINANCINGS; CONVENTIONAL REFINANCINGS; AND CONVENTIONAL HOME IMPROVEMENTS)
TABLES 12-1 DISPOSITION OF APPLICATIONS FOR CONVENTIONAL MANUFACTURED HOME-PURCHASE LOANS, FIRST LIEN, OWNER-OCCUPIED DWELLING, BY BORROWER OR CENSUS TRACT CHARACTERISTICS, 2010
TABLE 12-2 PRICING INFORMATION FOR CONVENTIONAL MANUFACTURED HOME-PURCHASE LOANS, FIRST LIEN, OWNER-OCCUPIED DWELLING, BY BORROWER OR CENSUS TRACT CHARACTERISTICS, 2010
SUMMARY TABLE A-1 DISPOSITION OF APPLICATIONS AND LOAN SALES BY LOAN TYPE, 1- TO 4-FAMILIES (EXCLUDES MANUFACTURED HOMES), 2010
SUMMARY TABLE A-2 DISPOSITION OF APPLICATIONS AND LOAN SALES BY LOAN TYPE, MANUFACTURED HOME, 2010
SUMMARY TABLE A-3 DISPOSITION OF APPLICATIONS AND LOAN SALES BY LOAN TYPE, MULTIFAMILY, 2010
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, 2010
SUMMARY TABLE B LOAN PRICING INFORMATION FOR CONVENTIONAL LOANS BY INCIDENCE AND LEVEL, 2010