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Aggregate Report
Disclosure Report
National Aggregate


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 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.

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 HMDA data.

Content of 2012 National Aggregate Report Tables

The following is a list of the National Aggregate tables that have been prepared covering the data for calendar year 2012.
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), 2012
Table 3-2 PRICING INFORMATION FOR FIRST AND JUNIOR LIEN LOANS SOLD BY TYPE OF PURCHASER (INCLUDES ORIGINATIONS ONLY), 2012
Tables 4-1 through 4-7 DISPOSITION OF APPLICATIONS FOR LOANS, BY RACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2012 (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, 2012 (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, 2012 (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, 2012 (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, 2012
Tables 11-1 through 11-4 PRICING INFORMATION FOR LOANS ON 1- TO 4-FAMILY, OWNER-OCCUPIED, BY BORROWER OR CENSUS TRACT CHARACTERISTICS, 2012 (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, 2012 (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, 2012
Table 12-2 PRICING INFORMATION FOR CONVENTIONAL MANUFACTURED HOME PURCHASE LOANS, FIRST LIEN, OWNER-OCCUPIED DWELLING, BY BORROWER OR CENSUS TRACT CHARACTERISTICS, 2012
Summary Table A1 DISPOSITION OF APPLICATIONS AND LOAN SALES BY LOAN TYPE, 1- TO 4-FAMILIES (EXCLUDES MANUFACTURED HOMES), 2012
Summary Table A2 DISPOSITION OF APPLICATIONS AND LOAN SALES BY LOAN TYPE, MANUFACTURED HOME, 2012
Summary Table A3 DISPOSITION OF APPLICATIONS AND LOAN SALES BY LOAN TYPE, MULTIFAMILY, 2012
Summary Table A4 DISPOSITION OF PREAPPROVALS FOR CONVENTIONAL HOME PURCHASE LOANS, FIRST LIEN, 1- TO 4-FAMILY DWELLINGS (EXCLUDES MANUFACTURED HOMES), BY BORROWER OR CENSUS TRACT CHARACTERISTICS, 2012
Summary Table B LOAN PRICING INFORMATION FOR CONVENTIONAL LOANS BY INCIDENCE AND LEVEL, 2012