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FEDERAL FINANCIAL INSTITUTIONS EXAMINATION COUNCIL
Home Mortgage Disclosure Act Aggregate and Disclosure Information Sheet
The Home Mortgage Disclosure Act (HMDA) requires lending institutions to make annual public
disclosures of their home mortgage and home improvement lending activity. Disclosures are publicly
available not only at the institutions' own offices, but also on the Web at www.ffiec.gov/reports.htm.
In addition to each lending institution's individual disclosure statement, aggregate data tables
covering the lending activity of all institutions subject to HMDA in each MSA/MD for the entire nation
are made available on the Internet.
The HMDA data on the Web includes data from the universe of reporters; therefore,
users will have access to the individual disclosure statement for each institution reporting
HMDA and aggregate tables for each MSA/MD nationwide.
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 (Aggregate Only)
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 (Aggregate Only)
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.
Questions or Comments
Any questions or comments about the HMDA data may be directed in writing to the Executive Secretary,
Federal Financial Institutions Examination Council, 3501 Fairfax Drive, Room B-7081A, Arlington, VA 22226.
Content Of 2012 Aggregate and
Disclosure Statement Tables
A disclosure statement may contain up to 49 tables for each MSA/MD. In addition, a disclosure statement
may contain two supplemental tables, and Summary Tables A1 through B (summarized at the nationwide level
of the institution). Also, it will contain an Institution Register Summary (IRS) report, which reflects
all the data reported by an institution for specific Loan/Application Register (LAR) fields in a summary
report.
The inclusion of a table in the disclosure data depends on the institution’s lending activity. For example,
if during 2012 the institution did not purchase any mortgage loans in a particular MSA/MD,
its statement will not contain
Table 2 for that MSA/MD. Similarly, if the institution did not originate (or receive applications for) home improvement
loans, its statement will not include Tables 4-4, 5-4, 7-4, or 8-4; and if the
institution did not report reasons for
denials of loan applications, its statement will not include Tables 8-1 through 8-7.
Aggregate tables show the aggregate lending activity for all financial institutions covered by HMDA for each
MSA/MD for the entire nation. One MSA/MD aggregate table document may contain up to 51 tables.
The following is a list of the aggregate and disclosure tables that have been prepared covering the data for
calendar year 2012. Tables included in the aggregate data only or disclosure data only are identified.
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Table Number |
Description |
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Table i
|
REPORTING INSTITUTIONS WHO HAVE A HOME OR BRANCH OFFICE IN THE MSA/MD (AGGREGATE
DATA ONLY)
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Table 1
|
DISPOSITION OF LOAN APPLICATIONS, BY LOCATION OF PROPERTY AND TYPE OF
LOAN, 2012
|
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Table 2
|
LOANS PURCHASED, BY LOCATION OF PROPERTY AND TYPE OF LOAN, 2012 |
|
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 (AGGREGATE DATA ONLY) |
|
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)
|
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Table 12-1
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DISPOSITION OF APPLICATIONS FOR CONVENTIONAL MANUFACTURED HOME- PURCHASE
LOANS, FIRST LIEN, OWNER-OCCUPIED DWELLING, BY BORROWER OR CENSUS TRACT
CHARACTERISTICS, 2012
|
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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- FAMILY DWELLINGS (EXCLUDES MANUFACTURED
HOMES), 2012 |
|
Summary
Table A2 |
DISPOSITION OF APPLICATIONS
AND LOAN SALES BY LOAN TYPE, MANUFACTURED HOMES, 2012 |
|
Summary
Table A3 |
DISPOSITION OF APPLICATIONS
AND LOAN SALES BY LOAN TYPE, MULTIFAMILY HOUSING, 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
|
Institution Level Reports
|
Table Number |
Description |
|
Supplemental Table 1
|
DISPOSITION OF LOAN APPLICATIONS, BY LOCATION OF PROPERTY AND TYPE OF LOAN, 2012 (FOR PROPERTY NOT LOCATED IN MSA/MDS WHERE INSTITUTION HAS HOME OR BRANCH OFFICES) (DISCLOSURE DATA ONLY)
|
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Supplemental Table 2
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LOANS PURCHASED, BY LOCATION AND TYPE OF LOAN, 2012 (FOR PROPERTY NOT
LOCATED IN MSA/MDS WHERE INSTITUTION HAS HOME OR BRANCH OFFICES) (DISCLOSURE
DATA ONLY)
|
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Summary Table A1W
|
DISPOSITION OF APPLICATIONS AND LOAN SALES BY LOAN TYPE, 1- TO 4-
FAMILY DWELLINGS (EXCLUDES MANUFACTURED HOMES), 2012 (REFLECTS INSTITUTION’S
TOTAL ACTIVITY NATIONWIDE) (DISCLOSURE DATA ONLY)
|
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Summary Table A2W
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DISPOSITION OF APPLICATIONS AND LOAN SALES BY LOAN TYPE, MANUFACTURED HOMES,
2012 (REFLECTS INSTITUTION’S TOTAL ACTIVITY NATIONWIDE) (DISCLOSURE DATA ONLY)
|
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Summary Table A3W
|
DISPOSITION OF APPLICATIONS AND LOAN SALES BY LOAN TYPE,
MULTIFAMILY HOUSING, 2012 (REFLECTS INSTITUTION’S TOTAL ACTIVITY NATIONWIDE)
(DISCLOSURE DATA ONLY) |
|
Summary Table A4W |
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 (REFLECTS INSTITUTION’S TOTAL ACTIVITY
NATIONWIDE) (DISCLOSURE DATA ONLY) |
|
Summary Table BW
|
LOAN PRICING INFORMATION FOR CONVENTIONAL LOANS BY INCIDENCE AND LEVEL, 2012
(REFLECTS INSTITUTION’S TOTAL ACTIVITY NATIONWIDE) (DISCLOSURE DATA ONLY) |
|
IRS Report |
INSTITUTION REGISTER SUMMARY REPORT (INCLUDES ALL DATA) (DISCLOSURE DATA ONLY)
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