Activity year 2013 uses data from the FFIEC’s 2013 Census file prepared for HMDA and CRA data. The Office of Management and Budget (OMB) revised the delineations of Metropolitan Statistical Areas (MSAs) that were released in February 2013. The OMB revised definitions do not affect HMDA data collected in 2013. This is consistent with Appendix A §I.C.1 of the HMDA regulations, which indicates that institutions should use the MSA boundaries in effect as of January 1 of the calendar year for which they are reporting. The new MSA definitions will apply to HMDA data collected on or after January 1, 2014. Unless specifically noted each item of data on these pages is based on the 2006-2010 5-year estimate American Community Survey and Census 2010 SF1.

Click on the MSA/MD, State or County codes for the name associated with the code.

Tract Income Level - This corresponds to tract classifications as defined by the HMDA and CRA regulations. This field is based on the Tract Median Family Income %:

If the Median Family Income % is < 50% and > 0 then the Income Level is Low.

If the Median Family Income % is >= 50% and < 80% then the Income Level is Moderate.

If the Median Family Income % is >= 80% and < 120% then the Income Level is Middle.

If the Median Family Income % is >=120% then the Income Level is Upper.

If the Median Family Income % is 0% then the Income Level is Not Known.

Distressed or Underserved Tract - A 'Yes' in this column indicates that the tract is designated as Nonmetropolitan Middle-Income Distressed or Underserved geography based on criteria designated by federal banking and thrift regulators.

Distressed nonmetropolitan middle-income geographies are those located in counties with: (1) an unemployment rate of at least 1.5 times the national average; (2) a poverty rate of 20 percent or more; or (3) a population loss of 5 percent or more in a five-year period preceding the most recent decennial census.

Underserved nonmetropolitan middle-income geographies are those designated with "urban influence codes" numbered 7, 10, 11, and 12 that are maintained by the Economic Research Service of the United States Department of Agriculture.

2013 FFIEC Estimated MSA/MD/non-MSA/MD Median Family Income - This is the estimated Median Family Income as determined by FFIEC for each MSA/MD in the United States and for each state’s non-MSA/MD area.

2013 Estimated Tract Median Family Income - This is the census tract's estimated Median Family Income (MFI) for each year, based on the FFIEC estimate for the MSA/MD or non-MSA/MD area where the tract is located. It is calculated by multiplying the tract's Median Family Income % by the annual FFIEC MSA/MD MFI.

2010 Tract Median Family Income - This is the census tract’s Median Family Income based on the 2010 ACS.

Tract Median Family Income % - This compares the tract level Median Family Income (MFI) to the MSA/MD level MFI. It is calculated by dividing the 2010 Tract MFI by the 2010 MSA/MD MFI. (For tracts located outside of an MSA/MD, the MFI used in the denominator is the statewide non-MSA/MD MFI). Go to Tract Income Level to see how the tracts are grouped based on their Median Family Income %. 

Tract Population - This is the census tract's population based on the 2010 SF1.

Tract Minority % - This is the census tract's total population minus white alone population based on the 2010 SF1. It is calculated by dividing the Minority Population by the Tract Population.

Minority Population - This is the census tract's total population minus white alone population based on the 2010 SF1.

Owner-Occupied Units - This is the number of housing units that were lived in by the owner of the unit. This number was determined by the 2010 ACS.

1- to 4-Family Units - This is the number of housing units that hold less than 5 families. Condominiums, townhouses, single-family homes, mobile homes, boats, RVs, and vans are included in this number. Apartment buildings are not included in this number. The number was determined by the 2010 ACS.

Tract Income Level - This corresponds to tract classifications as defined by the HMDA and CRA regulations. This field is based on the Tract Median Family Income %:

If the Median Family Income % is < 50% and > 0 then the Income Level is Low.

If the Median Family Income % is >= 50% and < 80% then the Income Level is Moderate.

If the Median Family Income % is >= 80% and < 120% then the Income Level is Middle.

If the Median Family Income % is >=120% then the Income Level is Upper.

If the Median Family Income % is 0% then the Income Level is Not Known.

2010 MSA/MD/non-MSA/MD Median Family Income - This is the Median Family Income (MFI) for the MSA/MD in which the tract is located. If the tract is not in a MSA/MD, this MFI is for all portions of the state not in MSA/MDs. The values for MSA/MD statewide non-MSA/MD Median Family Income are from the U.S. Census Bureau's 2010 ACS 5 year estimates. The MSA/MD definitions have been revised by the Office of Management and Budget, effective February 2013. However, the revised definitions do not affect HMDA data collection for 2013; they apply to HMDA data collected on or after January 1, 2014.

2013 FFIEC Estimated MSA/MD/non-MSA/MD Median Family Income - This is the estimated Median Family Income as determined by the FFIEC for each MSA/MD in the United States and for each state's non-MSA/MD area.

% below Poverty Line - This is the number of people in the tract living below the poverty level divided by the tract's total population. This percentage was determined by the 2010 ACS results and Census' definition of the poverty level.

Tract Median Family Income % - This compares the tract level Median Family Income (MFI) to the MSA/MD level MFI. It is calculated by dividing the 2010 Tract MFI by the 2010 MSA/MD MFI. (For tracts located outside of an MSA/MD, the MFI used in the denominator is the statewide non-MSA/MD MFI and this figure is calculated using incomes from all areas of a state that are not assigned to MSA/MDs.) Go to Tract Income Level to see how the tracts are grouped based on their Median Family Income %.

2010 Tract Median Family Income - This is the census tract's Median Family Income based on the 2010 ACS.

2013 Estimated Tract Median Family Income - This is the census tract’s estimated Median Family Income (MFI) for each year, based on the FFIEC estimate for the MSA/MD or non-MSA/MD area where the tract is located. It is calculated by multiplying the tract’s Median Family Income % by the annual FFIEC MSA/MD MFI.

2010 Tract Median Household Income - This is the median income of all households in the tract based on the 2010 ACS. Whereas a family is defined as two or more related persons living in the same residence, a household includes all residences, even those for single people or unrelated groups of two or more.

Tract Population - This is the census tract's population based on the 2010 SF1.

Tract Minority % - This is the percentage of the tract's total population minus white alone population according to the 2010 SF1. It is calculated by dividing the Minority Population by the Tract Population.

Number of Families - This is the number of families in the tract as determined by the 2010 ACS. A family is defined as two or more related people living together.

Number of Households - This is the number of households in the tract as determined by the 2010 ACS. A household is any residence, including those occupied by single people and unrelated groups of two or more. By definition, all families are also considered households, but not all households are families.

Non-Hispanic White Population -  This is the number of people in the tract that listed themselves as non-Hispanic white on the 2010 SF1.

Tract Minority Population - This is the census tract's total population minus white alone population based on the 2010 SF1.

American Indian Population - This is the number of people in the tract that listed themselves as non-Hispanic American Indian or Alaskan Native on the 2010 SF1.

Asian/Hawaiian/Pacific Islander Population - This is the number of people in the tract that listed themselves as non-Hispanic Asian or Hawaiian/Pacific Islander on the 2010 SF1.

Black Population - This is the number of people in the tract that listed themselves as non-Hispanic Black or African American on the 2010 SF1.

Hispanic Population - This is the number of people in the tract that listed themselves as Hispanic only on the 2010 SF1.

Other Population/Two or More Races - This is the number of people in the tract that listed themselves as non-Hispanic some other race or two or more races on the 2010 ACS.

Total Housing Units - This is the total number of occupiable housing units in the tract as determined by the 2010 ACS.

1- to 4-Family Units - This is the number of housing units that hold less than 5 families. Condominiums, townhouses, single-family homes, mobile homes, boats, RVs, and vans are included in this number. Apartment buildings are not included in this number. The number was determined by the 2010 ACS.

Median House Age (Years) - This is the median age of all housing units in the tract as determined by the 2010 ACS. Remember that this would be the median age in 2010 so the median age now would be higher, unless a large number of new residences have been built since then.

Inside Principal City?-This is a Yes/No indicator of whether this tract is part of a principal city in the MSA/MD. This field is not available for 2013 but will be available for 2014.

Owner-Occupied Units - This is the number of housing units that were lived in by the owner of the unit. This number was determined by the 2010 ACS.

Renter Occupied Units - This is the number of housing units that are occupied by someone other than the owner. This number was determined by the 2010 ACS. This is the number of housing unitys that are not occupied by someone other than the owner.  This number is not available in the 2010 ACS.

Vacant Units - This is the number of housing units that are not occupied. This number is not available in the 2010 ACS.

Owner-Occupied 1- to 4-Family Units - This is the number of housing units that have less than 5 residences and were occupied by the property owner. It was determined by the 2010 ACS.

Activity year 2012 uses data from the FFIEC's 2012 Census file prepared for HMDA and CRA data. It is important to note the 2012 data reflect changes by the U.S. Census Bureau. Unless specifically noted each item of data on these pages is based on the 2006-2010 5-year estimate American Community Survey and Census 2010 SF1.

Click on the MSA/MD, State or County codes for the name associated with the code.

Tract Income Level - This corresponds to tract classifications as defined by the HMDA and CRA regulations. This field is based on the Tract Median Family Income %:

If the Median Family Income % is < 50% and > 0 then the Income Level is Low.

If the Median Family Income % is >= 50% and < 80% then the Income Level is Moderate.

If the Median Family Income % is >= 80% and < 120% then the Income Level is Middle.

If the Median Family Income % is >=120% then the Income Level is Upper.

If the Median Family Income % is 0% then the Income Level is Not Known.

Distressed or Underserved Tract - A 'Yes' in this column indicates that the tract is designated as Nonmetropolitan Middle-Income Distressed or Underserved geography based on criteria designated by federal banking and thrift regulators.

Distressed nonmetropolitan middle-income geographies are those located in counties with: (1) an unemployment rate of at least 1.5 times the national average; (2) a poverty rate of 20 percent or more; or (3) a population loss of 5 percent or more in a five-year period preceding the most recent decennial census.

Underserved nonmetropolitan middle-income geographies are those designated with "urban influence codes" numbered 7, 10, 11, and 12 that are maintained by the Economic Research Service of the United States Department of Agriculture.

2012 FFIEC Estimated MSA/MD/non-MSA/MD Median Family Income - This is the estimated Median Family Income as determined by FFIEC for each MSA/MD in the United States and for each state’s non-MSA/MD area.

2012 Estimated Tract Median Family Income - This is the census tract's estimated Median Family Income (MFI) for each year, based on the FFIEC estimate for the MSA/MD or non-MSA/MD area where the tract is located. It is calculated by multiplying the tract's Median Family Income % by the annual FFIEC MSA/MD MFI.

2010 Tract Median Family Income - This is the census tract’s Median Family Income based on the 2010 ACS.

Tract Median Family Income % - This compares the tract level Median Family Income (MFI) to the MSA/MD level MFI. It is calculated by dividing the 2010 Tract MFI by the 2010 MSA/MD MFI. (For tracts located outside of an MSA/MD, the MFI used in the denominator is the statewide non-MSA/MD MFI). Go to Tract Income Level to see how the tracts are grouped based on their Median Family Income %. 

Tract Population - This is the census tract's population based on the 2010 SF1.

Tract Minority % - This is the census tract's total population minus white alone population based on the 2010 SF1. It is calculated by dividing the Minority Population by the Tract Population.

Minority Population - This is the census tract's total population minus white alone population based on the 2010 SF1.

Owner-Occupied Units - This is the number of housing units that were lived in by the owner of the unit. This number was determined by the 2010 ACS.

1- to 4-Family Units - This is the number of housing units that hold less than 5 families. Condominiums, townhouses, single-family homes, mobile homes, boats, RVs, and vans are included in this number. Apartment buildings are not included in this number. The number was determined by the 2010 ACS.

Tract Income Level - This corresponds to tract classifications as defined by the HMDA and CRA regulations. This field is based on the Tract Median Family Income %:

If the Median Family Income % is < 50% and > 0 then the Income Level is Low.

If the Median Family Income % is >= 50% and < 80% then the Income Level is Moderate.

If the Median Family Income % is >= 80% and < 120% then the Income Level is Middle.

If the Median Family Income % is >=120% then the Income Level is Upper.

If the Median Family Income % is 0% then the Income Level is Not Known.

2010 MSA/MD/non-MSA/MD Median Family Income - This is the Median Family Income (MFI) for the MSA/MD in which the tract is located. If the tract is not in a MSA/MD, this MFI is for all portions of the state not in MSA/MDs. The values for MSA/MD statewide non-MSA/MD Median Family Income are from the U.S. Census Bureau's 2010 ACS 5 year estimates. The MSA/MD definitions have not been altered by the Office of Management and Budget for 2012; they are the same MSA/MD boundaries as used in the 2011 FFIEC Census.

2012 FFIEC Estimated MSA/MD/non-MSA/MD Median Family Income - This is the estimated Median Family Income as determined by the FFIEC for each MSA/MD in the United States and for each state's non-MSA/MD area.

% below Poverty Line - This is the number of people in the tract living below the poverty level divided by the tract's total population. This percentage was determined by the 2010 ACS results and Census' definition of the poverty level.

Tract Median Family Income % - This compares the tract level Median Family Income (MFI) to the MSA/MD level MFI. It is calculated by dividing the 2010 Tract MFI by the 2010 MSA/MD MFI. (For tracts located outside of an MSA/MD, the MFI used in the denominator is the statewide non-MSA/MD MFI and this figure is calculated using incomes from all areas of a state that are not assigned to MSA/MDs.) Go to Tract Income Level to see how the tracts are grouped based on their Median Family Income %.

2010 Tract Median Family Income - This is the census tract's Median Family Income based on the 2010 ACS.

2012 Estimated Tract Median Family Income - This is the census tract’s estimated Median Family Income (MFI) for each year, based on the FFIEC estimate for the MSA/MD or non-MSA/MD area where the tract is located. It is calculated by multiplying the tract’s Median Family Income % by the annual FFIEC MSA/MD MFI.

2010 Tract Median Household Income - This is the median income of all households in the tract based on the 2010 ACS. Whereas a family is defined as two or more related persons living in the same residence, a household includes all residences, even those for single people or unrelated groups of two or more.

Tract Population - This is the census tract's population based on the 2010 SF1.

Tract Minority % - This is the percentage of the tract's total population minus white alone population according to the 2010 SF1. It is calculated by dividing the Minority Population by the Tract Population.

Number of Families - This is the number of families in the tract as determined by the 2010 ACS. A family is defined as two or more related people living together.

Number of Households - This is the number of households in the tract as determined by the 2010 ACS. A household is any residence, including those occupied by single people and unrelated groups of two or more. By definition, all families are also considered households, but not all households are families.

Non-Hispanic White Population -  This is the number of people in the tract that listed themselves as non-Hispanic white on the 2010 SF1.

Tract Minority Population - This is the census tract's total population minus white alone population based on the 2010 SF1.

American Indian Population - This is the number of people in the tract that listed themselves as non-Hispanic American Indian or Alaskan Native on the 2010 SF1.

Asian/Hawaiian/Pacific Islander Population - This is the number of people in the tract that listed themselves as non-Hispanic Asian or Hawaiian/Pacific Islander on the 2010 SF1.

Black Population - This is the number of people in the tract that listed themselves as non-Hispanic Black or African American on the 2010 SF1.

Hispanic Population - This is the number of people in the tract that listed themselves as Hispanic only on the 2010 SF1.

Other Population/Two or More Races - This is the number of people in the tract that listed themselves as non-Hispanic some other race or two or more races on the 2010 ACS.

Total Housing Units - This is the total number of occupiable housing units in the tract as determined by the 2010 ACS.

1- to 4-Family Units - This is the number of housing units that hold less than 5 families. Condominiums, townhouses, single-family homes, mobile homes, boats, RVs, and vans are included in this number. Apartment buildings are not included in this number. The number was determined by the 2010 ACS.

Median House Age (Years) - This is the median age of all housing units in the tract as determined by the 2010 ACS. Remember that this would be the median age in 2010 so the median age now would be higher, unless a large number of new residences have been built since then.

Inside Principal City?-This is a Yes/No indicator of whether this tract is part of a principal city in the MSA/MD. This field is not available for 2012.

Owner-Occupied Units - This is the number of housing units that were lived in by the owner of the unit. This number was determined by the 2010 ACS.

Renter Occupied Units - This is the number of housing units that are occupied by someone other than the owner. This number was determined by the 2010 ACS. This is the number of housing unitys that are not occupied by someone other than the owner.  This number is not available in the 2010 ACS.

Vacant Units - This is the number of housing units that are not occupied. This number is not available in the 2010 ACS.

Owner-Occupied 1- to 4-Family Units - This is the number of housing units that have less than 5 residences and were occupied by the property owner. It was determined by the 2010 ACS.

Activity year 2011 uses data from the FFIEC's 2011 Census file prepared for HMDA and CRA data. It is important to note the 2011 data reflect changes to counties by the U.S. Census Bureau. Unless specifically noted each item of data on these pages is from 2000 Census.
Summary Census Demographic Information

This screen gives you demographic information about the census tract where the address is located. Each item will be described more in detail below.

Click on the MSA/MD, State or County codes for the name associated with the code.

Tract Income Level - This corresponds to tract classifications as defined by the HMDA and CRA regulations. This field is based on the Tract Median Family Income %:

If the Median Family Income % is < 50% and > 0 then the Income Level is Low.

If the Median Family Income % is >= 50% and < 80% then the Income Level is Moderate.

If the Median Family Income % is >= 80% and < 120% then the Income Level is Middle.

If the Median Family Income % is >=120% then the Income Level is Upper.

If the Median Family Income % is 0% then the Income Level is Not Known.

Distressed or Underserved Tract - A 'Yes' in this column indicates that the tract is designated as Nonmetropolitan Middle-Income Distressed or Underserved geography based on criteria designated by federal banking and thrift regulators.

Distressed nonmetropolitan middle-income geographies are those located in counties with: (1) an unemployment rate of at least 1.5 times the national average; (2) a poverty rate of 20 percent or more; or (3) a population loss of 10 percent or more between the previous and most recent decennial census, or a net migration loss of 5 percent or more over the five-year period preceding the most recent census.

Underserved nonmetropolitan middle-income geographies are those designated with "urban influence codes" numbered 7, 10, 11, and 12 that are maintained by the Economic Research Service of the United States Department of Agriculture.

2011 HUD Estimated MSA/MD/non-MSA/MD Median Family Income - This is the estimated Median Family Income as determined by the U.S. Department of Housing and Urban Development (HUD) for each year. HUD annually estimates this income for each MSA/MD in the United States and for each state's non-MSA/MD area.

2011 Est. Tract Median Family Income - This is the census tract's estimated Median Family Income (MFI) for each year, based on the HUD estimate for the MSA/MD or non-MSA/MD area where the tract is located. It is calculated by multiplying the Tract's Median Income % by the annual HUD MSA/MD MFI.

2000 Tract Median Family Income - This is the census tract's Median Family Income based on the 2000 Census.

Tract Median Family Income % - This compares the tract level Median Family Income (MFI) to the MSA/MD level MFI. It is calculated by dividing the 2000 Tract MFI by the 2004 MSA/MD MFI. (For tracts located outside of an MSA/MD, the MFI used in the denominator is the statewide non-MSA/MD MFI. This figure is calculated using incomes from all areas of a state that are not assigned to MSA/MDs). Go to Tract Income Level to see how the tracts are grouped based on their Median Family Income %. 

Tract Population - This is the census tract's population based on the 2000 Census.

Tract Minority % - This is the percentage of the tract's total population minus white alone population according to the 2000 Census. It is calculated by dividing the Minority Population by the Tract Population.

Minority Population - This is the census tract's total population minus white alone population based on the 2000 Census.

Owner-Occupied Units - This is the number of housing units that were lived in by the owner of the unit. This number was determined by the 2000 Census.

1- to 4-Family Units - This is the number of housing units that hold less than 5 families. Condominiums, townhouses, and single-family homes are included in this number. Apartment buildings are not included in this number. The number was determined by the 2000 Census.

Tract Income Level - This corresponds to tract classifications as defined by the HMDA and CRA regulations. This field is based on the Tract Median Family Income %:

If the Median Family Income % is < 50% and > 0 then the Income Level is Low.

If the Median Family Income % is >= 50% and < 80% then the Income Level is Moderate.

If the Median Family Income % is >= 80% and < 120% then the Income Level is Middle.

If the Median Family Income % is >=120% then the Income Level is Upper.

If the Median Family Income % is 0% then the Income Level is Not Known.

2004 MSA/MD statewide non-MSA/MD Median Family - This is the Median Family Income (MFI) for the MSA/MD in which the tract is located. The MSA/MD MFI values were re-calculated for the Office of Management and Budget's new geographic classifications that were released in June 2003 and updated in December 2003 with 2000 demographic data. If the tract is not in a MSA/MD, this MFI is for all portions of the state not in MSA/MDs.

2011 HUD Estimated MSA/MD/non-MSA/MD Median Family Income - This is the estimated Median Family Income as determined by the U.S. Department of Housing and Urban Development (HUD) for each year. HUD annually estimates this income for each MSA/MD in the United States and for each state's non-MSA/MD area.

% below Poverty Line - This is the number of people in the tract living below the poverty level divided by the tract's total population. This percentage was determined by the 2000 Census results and Census' definition of the poverty level.

Tract Median Family Income % - This compares the tract level Median Family Income (MFI) to the MSA/MD level MFI. It is calculated by dividing the 2000 Tract MFI by the 2004 MSA/MD MFI. (For tracts located outside of an MSA/MD, the MFI used in the denominator is the statewide non-MSA/MD MFI. This figure is calculated using incomes from all areas of a state that are not assigned to MSA/MDs). Go to Tract Income Level to see how the tracts are grouped based on their Median Family Income %.

2000 Tract Median Family Income - This is the census tract's Median Family Income based on the 2000 Census.

2011 Estimated Tract Median Family Income - This is the census tract's estimated Median Family Income (MFI) for each year, based on the HUD estimate for the MSA/MD or non-MSA/MD area where the tract is located. It is calculated by multiplying the tract's Median Family Income % by the annual HUD MSA/MD MFI.

2000 Tract Median Household Income - This is the median income of all households in the tract based on the 2000 Census. Whereas a family is defined as two or more related persons living in the same residence, a household includes all residences, even those for single people or unrelated groups of two or more.

Tract Population - This is the census tract's population based on the 2000 Census.

Tract Minority % - This is the percentage of the tract's total population minus white alone population according to the 2000 Census. It is calculated by dividing the Minority Population by the Tract Population.

Number of Families - This is the number of families in the tract as determined by the 2000 Census. A family is defined as two or more related people living together.

Number of Households - This is the number of households in the tract as determined by the 2000 Census. A household is any residence, including those occupied by single people and unrelated groups of two or more. By definition, all families are also considered households, but not all households are families.

Non-Hispanic White Population -  This is the number of people in the tract that listed themselves as non-Hispanic white on the 2000 Census.

Tract Minority Population - This is the census tract's total population minus white alone population based on the 2000 Census.

American Indian Population - This is the number of people in the tract that listed themselves as non-Hispanic American Indian or Alaskan Native on the 2000 Census.

Asian/Hawaiian/Pacific Islander Population - This is the number of people in the tract that listed themselves as non-Hispanic Asian or Hawaiian/Pacific Islander on the 2000 Census.

Black Population - This is the number of people in the tract that listed themselves as non-Hispanic Black or African American on the 2000 Census.

Hispanic Population - This is the number of people in the tract that listed themselves as Hispanic only on the 2000 Census.

Other Population/Two or More Races - This is the number of people in the tract that listed themselves as non-Hispanic some other race or two or more races on the 2000 Census.

Total Housing Units - This is the total number of occupiable housing units in the tract as determined by the 2000 Census.

1- to 4-Family Units - This is the number of housing units that hold less than 5 families. Condominiums, townhouses, and single-family homes are included in this number. Apartment buildings are not included in this number. The number was determined by the 2000 Census.

Median House Age (Years)  - This is the median age of all housing units in the tract as determined by the 2000 Census. Remember that this would be the median age in 2000 so the median age now would be higher, unless a lot of new residences have been built since then.

Inside Principal City? - This is a Yes/No indicator of whether this tract is part of a principal city in the MSA/MD.

Owner-Occupied Units - This is the number of housing units that were lived in by the owner of the unit. This number was determined by the 2000 Census.

Renter Occupied Units - This is the number of housing units that are occupied by someone other than the owner. This number was determined by the 2000 Census.

Vacant Units - This is the number of housing units that are not occupied. This number was determined by the 2000 Census.

Owner-Occupied 1- to 4-Family Units - This is the number of housing units that have less than 5 residences and were occupied by the property owner. It was determined by the 2000 Census.