The full text on this page is automatically extracted from the file linked above and may contain errors and inconsistencies.
F ederal Reserve Bank
OF DALLAS
ROBERT
D. M C T E E R , J R .
PR ESID EN T
AND CH IE F E X E C U T IV E O F F IC E R
September 29, 1995
DALLAS, TEXAS
75265-5906
Notice 95-96
TO:
The Chief Executive Officer of each
member bank and others concerned in
the Eleventh Federal Reserve District
SUBJECT
Availability of 1994 Reports of
Mortgage Lending Activity
DETAILS
The Federal Financial Institutions Examination Council (FFIEC) has
announced that reports on 1994 mortgage lending activity are now available for public
inspection at a central depository in each metropolitan statistical area. The reports
reflect lending activity of more than 9,800 institutions covered by the Home Mortgage
Disclosure Act (HMDA).
ATTACHMENTS
A copy of the FFIEC’s press release and a copy of the HM DA data order
form are attached.
MORE INFORMATION
For more information, please contact Jim Foster at (214) 922-5280. For
additional copies of this Bank’s notice, please contact the Public Affairs Department at
(214) 922-5254.
Sincerely yours,
For additional copies, bankers and others are encouraged to use one of the following toll-free numbers in contacting the Federal
Reserve Bank of Dallas: Dallas Office (800) 333 -4460; El Paso Branch Intrastate (800) 592-1631, Interstate (800) 351-1012; Houston
Branch Intrastate (800) 392-4162, Interstate (800) 221-0363; San Antonio Branch Intrastate (800) 292-5810.
This publication was digitized and made available by the Federal Reserve Bank of Dallas' Historical Library (FedHistory@dal.frb.org)
Federal Financial Institutions Examination Council
H
f
r
___________________________________________________________
2100 Pennsylvania Avenue, NW, Suite 200 • Washington, DC 20037 • (202) 634-6526 • FAX (202) 634-6556
Press Release
For immediate release
September 1, 1995
The Federal Financial Institutions Examination Council (FFIEC) announced today
that reports of 1994 mortgage lending activity in metropolitan statistical areas (MSAs) are
now available for public inspection at a central depository in each MSA and from the FFIEC.
The reports are available almost two months earlier than they were last year. The reports
include individual disclosure statements and aggregate data for each MSA. They reflect the
lending activity of the more than 9,800 lending institutions covered by the Home Mortgage
Disclosure Act (HMDA) that reported data for 1994 to member agencies of the FFIEC —the
Comptroller of the Currency, Federal Deposit Insurance Corporation, Office of Thrift
Supervision, National Credit Union Administration, and Federal Reserve System —and to the
Department of Housing and Urban Development.
The reports contain data about loan originations, loan purchases, and applications
that did not result in a loan; and they give information about three characteristics of
applicants or borrowers: race or national origin, gender, and annual income. For most loans
relating to property located in MSAs, the reports identify the geographic location, usually by
census tract.
Board of Governors of the Federal Reserve System, Federal Deposit Insurance Corporation, National Credit Union Administration,
Office of the Comptroller of the Currency, Office of Thrift Supervision
The data show that the number of conventional home purchase loans went up 54.7
percent for Blacks and 42.0 percent for Hispanics since 1993. For additional information,
please refer to the fact sheet that FFIEC issued on July 18. The fact sheet provides
information on applications received and loans made, changes in lending volume by race and
income, approval and denial rates, and loan programs. A copy of the fact sheet can be
obtained by calling the FFIEC (Ms. Campbell, 202/634-6526).
The FFIEC has reissued one of the tables in the aggregate reports to correct a
processing error discovered following the distribution of the HMDA data to the central
depositories. The central city code was inadvertently omitted for almost 4,000 census tracts.
In the initial distribution, this omission, which affected only Aggregate Table 10
(Disposition of Loan Applications, by Central City Versus Non-Central City Property
Location and Type of Loan, 1994), caused errors in that table for 209 of the 329 MSAs.
The FFIEC has sent all the central depositories a revised Aggregate Table 10 for each MSA,
in paper form, even to those depositories that initially received the HMDA data on CDROM. It was not economically feasible to revise the CD-ROM package of the aggregate
reports.
The HMDA data are available from the FFIEC in various formats, including
paper, magnetic tape, microfiche, PC diskette, and CD-ROM. For example, tables for 1994
showing the nationwide aggregates and key demographic information for MSAs can be
obtained in paper form; and the raw data for individual loans and applications are available
on CD-ROM, magnetic tape, and PC diskette. An order form, with descriptions of the
various reports and formats available, is attached to this release. It can also be obtained by
calling 202/452-2016 and selecting menu option 3; or by faxing a request for an order form
-3 -
to 202/452-6497. The location of the central depository for a given MSA can be obtained by
calling the FFIEC (Ms. Campbell, 202/634-6526).
The FFIEC also provides data on mortgage insurance applications. The individual
disclosure statements are available at the individual private mortgage insurance companies.
In addition, the individual disclosure statements and aggregate data are available at the
central depositories in each MSA and from the FFIEC in the same formats as the HMDA
data.
Attachment: HMDA Data Order Form
FEDERAL FINANCIAL INSTITUTIONS EXAMINATION COUNCIL
HMDA DATA ORDER FORM
(PAYMENT INFORMATION and HARDCOPY ITEMS)
FFIEC AND FRB USE ONLY
FFIEC Control Number:
Order Form Received at FRB:
__/__/__
Order Shipped by FRB:
Order Form Completed by FRB:
__/__/__
Credit Authorization Number:
NAME/FIRM: __________________________ /___________________________
__/__ /
______
Check if Non-Profit
Organization
j
— j
ADDRESS:
TELEPHONE:
Please make checks payable to:
Mail to:
FFIEC
Board of Governors of the Federal Reserve System
20th & C Sts. N.W.
Attn: Management & Administrative Services, Stop 163
Washington, D.C.
2 0 551
Phone: 202-452-2016
Fax: 202-452-6497
•Advance payment required via check, money order. Visa or Master Charge.
•ONLY credit payments (VISA or Master Charge) or no charge items may be sent
by fax.
•PAYMENT INFORMATION AND PAGE(S) OF THE HMDA DATA ORDER FORM THAT HAVE THE
ITEM(S) THAT YOU ARE ORDERING MUST ACCOMPANY PAYMENT.
Omittance of either
payment or Order Form will delay your order.
□ Please ship the completed order at my expense using my overnight carrier' listed below
{Otherwise, orders will be' shipped via United States Postal Service at no charge}
Carrier Name ________________________
Account Number /
/
/
/
/
/
/__/__/__/__ /__/
METHOD OF PAYMENT (Check appropriate box):
□
□
□
□
Check
Money Order
Visa
Master Charge
CREDIT PAYMENTS (Signature is required when paying by credit card):
Card Number
I
I
I
Signature
1
I
Expiration Date(mmyy)
I
I
I
I
I
I
I
I
I
I
I
I
I
/
/_ /_ /_ /
Date
August 1995
FEDERAL FINANCIAL INSTITUTIONS EXAMINATION COUNCIL
HMDA DATA ORDER FORM
(PAYMENT INFORMATION and HARDCOPY ITEMS)
FFIEC AND FRB USE ONLY
FFIEC Control Number:
SELECTION LIST
An additional charge applies per year/MSA/institution
(see attached item descriptions)
Disclosure Statement
QTY
UNIT
COST
TOTAL
$ 50.00
(Item #001)
Data Type (see page 8) :
FFIEC_______,
Indicate HMDA year(s):
____ , ____
MICA _________
(Specify Reporter ID selections in ascending order; use back
of form if additional space is required.)
Indicate Reporter Name:
Reporter/Agency ID and
Zip Code:
Reporter
Name: _________________________
/_/_/_/_/_/_/_/_/_/_/”/_/
Zip Code:
/_/_/_/_/_/
Reporter
N a m e : _________________________ /____ /_/_/_/_/_/_/_/_/_/ -/_/
Zip Code:
Aggregation Report
/_/_/_/_/_/
(Item #002)
$ 50.00
Data Type(see page 8):
MICA
FFIEC_
Indicate HMDA year(s): ____ ,
For M S A s :
Note:
,
,
,
Cost of hardcopy report by MSA is $50 per year/MSA.
Census Tract Listing
(Item #003)
$ 50.00
Indicate HMDA year(s):
____ ,
Note: 1990 revised MSA definitions used beginning with 1994
HMDA data;
1990 census tracts used beginning with 1992 HMDA data.
MSA Median Family Income Listing
(Item #004)
NC
Indicate HMDA year(s) : ____ , ____
National Aggregate Reports (Item #005)
$ 50.00
2
Data Type (see page 8) :
FFIEC________,
Indicate HMDA year(s) :
____ , ____
MICA
August 1995
FEDERAL FINANCIAL INSTITUTIONS EXAMINATION COUNCIL
HMDA DATA ORDER FORM
(PAYMENT INFORMATION and HARDCOPY ITEMS)
FFIEC AND FRB USE ONLY
FFIEC Control Number:
SELECTION LIST
An additional charge applies per year/MSA/institution
(see attached item descriptions)
MSA by MSA Report on the Disposition of Applications
by Race and Income of Each Applicant
(Item #006)
Data Type(see page 8):
Indicate HMDA year(s):
Reporter Directory
FFIEC
,
QTY
UNIT
COST
$ 50.00
MICA
,
(Item #007)
Indicate HMDA year(s):
$ 45.00
or
$ 75.00
,
Indicate MSA Name and Number:
MSA Name:
MSA Number:
/ / / / /
MSA N a m e :
MSA Number:
/ / / / /
MSA Name:
MSA Number:
/ / / / /
Note:
3
For non-profit organizations, the charge for the
directory is $45.00 per MSA; the charge is $75.00 per
MSA for all others.
August 1995
FEDERAL FINANCIAL INSTITUTIONS EXAMINATION COUNCIL
HMDA DATA ORDER FORM
(PAYMENT INFORMATION and HARDCOPY ITEMS)
FFIEC AND FRB USE ONLY
FFIEC Control Number:
SELECTION LIST
An additional charge applies per year/MSA/institution (see
attached item descriptions)
Three-report packages
(Item #008)
• Report on Disposition of Loan Applications by Income and
Race
• Report on Distribution of Loan Applications
• Census Tract Summary
QTY
UNIT
COST
$ 45.00
or
$ 75.00
Indicate HMDA year(s):
Indicate Reporter and MSA:
Reporter/Agency ID and
MSA Number (if known):
Reporter
N ame:
-/_/
City:
MSA N a m e :
MSA Number:
/_/_/_/_/
MSA N ame:
MSA Number:
/_/_/_/_/
Reporter
Name:
City:
-/_/
__
MSA N a m e :
MSA Number:
MSA N a m e :
MSA Number:
/ / / / /
Reporter
N ame:
City:
__
MSA N a m e :
MSA Number:
MSA N a m e :
MSA Number:
Note:
/ / / / /
For non-profit organizations, the charge for this
package is $45.00 per institution/MSA; the charge is
$75.00 per institution/MSA for all others.
GRAND TOTAL
4
August 1995
FEDERAL FINANCIAL INSTITUTIONS EXAMINATION COUNCIL
HMDA DATA ORDER FORM
(ELECTRONIC ITEMS)
FFIEC AND FRB USE ONLY
FFIEC Control Number:
SELECTION LIST
An additional charge applies per year/MSA/institution
(see attached item descriptions)
Data Type(see page 8): FFIEC_
QTY
UNIT
COST
TOTAL
MICA
$500.00
Aggregation Report -- Year(s)
(Item #101)
LAR & TS Raw Data
(Item #102)
$500.00
OR $50.00
for CD-ROM
-- Year(s)
Expected Reporter Panel
(Item #103)
-- Year(s)
$150.00
Select Media:
Reel
OR
(6250 bpi) in __ EBCDIC
OR
__ ASCII
Cartridge
OR
__ CD-ROM (LAR & TS Raw Data Only)*
*not available for years prior to 1992
PC Diskettes by MSA
(Item #201)
Data Type(see page 8):
FFIEC_
MICA
Indicate year(s) ____ , ____
MSA(s):
Note:
5
Charge
determined
by # of
diskettes
per MSA
,
Data will be placed only on 3-1/2 high density
PC diskettes. The number of diskettes generated
per MSA will determine the charge.
The breakdown
on charges is:
1-4 diskettes -- $25.00; 5-9
diskettes -- $75.00; and 10 or more diskettes -$150.00.
To determine the amount to send with your
order form call 202-452-2016 and follow the
instructions to retrieve the appropriate document
in the fax back system.
August 19 95
FEDERAL FINANCIAL INSTITUTIONS EXAMINATION COUNCIL
HMDA DATA ORDER FORM
(ELECTRONIC ITEMS)
FEJBC AMD FRB U SB-QMLY
FFIEC Control Number:
SELECTION LIST
An additional charge applies per year/MSA/institution(see
attached item descriptions)
Census Data
Select: __ Reel
OR
Note:
UNIT
COST
TOTAL
$250.00
(Item #104)
Indicate HMDA year(s) :
QTY
____ , ____ , ____ , ____
(6250 bpi)
in __ EBCDIC
OR
__ ASCII
__ Cartridge
1990 MSA redefinitions used beginning with 1994
HMDA data;
1990 census tracts used beginning with 1992 data;
1980 census tracts used with 1990 & 1991 data.
1995 Census Diskette (Item #105) (see page 11)
MSA Aggregate Reports and Disclosure Statements on
Microfiche (Item #301)
Data Type(see page 8):
Indicate year(s) :
MSA(s) :
FFIEC_
,
$ 50.00
$ 20.00
MICA
____ , ____
____ , ____ , ____ ,
Note: Cost of microfiche is $20.00 per Year/MSA
MSA Aggregate Reports and Disclosure Statements on CD-ROM
(Item #302)
Data Type(see page 8):
Indicate year(s) :
FFIEC_
$150.00
MICA
____ , ____
GRAND TOTAL
6
August 1995
FEDERAL FINANCIAL INSTITUTIONS EXAMINATION COUNCIL
HMDA DATA ORDER FORM
(Preparation Items)
FFIEC AND FRB USE ONLY
FFIEC Control Number:
SELECTION LIST
An additional charge applies per year/MSA/institution
(see attached item descriptions)
A Guide to HMDA Reporting: Getting it Right (Item #010)
QTY
UNIT
COST
$ 5.00
TOTAL
$
* This Guide was developed to assist those who prepare
the HMDA report.
It provides a summary of
responsibilities and requirements, directions for
assembling the necessary tools, and step-by-step
instructions for reporting HMDA. There is also an
appendix that includes checklists, a glossary,
addresses for supervisory agencies and the Bureau of the
Census, and a listing of geographic codes needed for
reporting.
HMDA Questions and Answers
(Item #011)
$ 5.00
* This Video was prepared by the Federal Reserve Bank of
Atlanta.
It is a twenty minute video that answers the
most common questions that pertain to HMDA reporting.
GRAND TOTAL
7
August 1995
$
FEDERAL FINANCIAL INSTITUTIONS EXAMINATION COUNCIL
HMDA DATA ORDER FORM
ITEM DESCRIPTIONS
• Unless otherwise specified, reports using HMDA data are available beginning with 1990.
HMDA data is released the summer after the reporting year (i.e. 1994 HMDA data is
scheduled to be released August 1995). Reports using census data and the HUD Median
Family Income Listings are available prior to the HMDA data reports. Please refer to
the HMDA Assistance line at (202)452-2016 for the latest release of these reports.
• Each year, MSA, and\or institution selected is an additional charge for each item.
• Charges for duplicate requests apply.
A * * * * * * * * * * * * * **-***** * * * * * * * * * * * * * * A * * * * * * * - * * * * * * * - * - * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * *
*
*
★ The FFIEC has agreed with the Mortgage Insurance Companies of America (MICA) to allow
*
★ eight of their insurers to collect HMDA data beginning with October of 1993.
The
★
★ participating insurers will disclose the information as collected on the HMDA-LAR
*
★ reports.
*
Only Aggregation Reports
★ the LAR & TS Raw Data
(item #002), Disclosure Statements (item #001),
(item #102), and the National Aggregate Report (item #005) are
★ available for MICA data in 1993.
Because 1993 MICA data covers only October through
*
*
★ December the charge for the LAR & TS Raw Data (item #102) will be reduced to $125.00.
*
★ Subsequent years' data will be collected annually, therefore, charges will not differ
*
★ from the FFIEC data.
*
Also,
items other than the LAR & TS Raw Data will not have a
★ reduced price for the 1993 reporting year.
★
★
★
★ Please mark which data type is desired where specified.
The FFIEC data will include
*
★ those institutions required to report HMDA under Regulation C, and the MICA data will
*
★ include those eight mortgage insurers reporting HMDA data as agreed upon with the
*
★ FFIEC.
*
★
★
★★★★★»★★★★*** ******■*•******»■*★★★★***»* **»**★★* A************************* *******************
Aggregation Report: The Aggregation Reports of MSAs (340 for 1990; 341 for 1991, 1992 and
1993; and 329 for 1994), sorted by MSA, distributed as either hardcopy or on tape.
Printed MSAs range from 30 to 604 pages each, with an average of approximately 60 pages.
This report aggregates the mortgage and home improvement lending information for those
institutions within an MSA.
It is in the same format as the disclosure statements;
however, individual institutions can not be identified.
Tape distribution is used in lieu
of hardcopy as a convenience to those sites that can print the
tape locally. This
is a
print image tape; therefore, the data can not be manipulated.
For hardcopy distribution, enter the MSA number for each MSA desired on the report in the
space provided on the form.
If additional space is required, use the back of the form.
The charge for hardcopy distribution is $50.00 for each MSA requested.
(Item #002)
For tape distribution, all MSAs will be included on the tape. Also, a listing will be
provided that shows the relative position and number of pages for each MSA on the tape.
Data will be in EBCDIC and formatted as follows: record length= 166; block
size = 24,900;
and record format = fixed block.
Printing these records requires a printerfeatured for
166 character output.
The charge for tape distribution is $500.00.
(Item #101)
This Hardcopy Aggregate item is also available for MICA data.
available prior to 1993 (see page 8) .
8
These data are not
August 1995
Census inrormation: This is the nationwide census data that is used as input to HMDA
processing.
Data is distributed as a hardcopy report or on tape.
The hardcopy Census
Tract Listing contains valid census listings and does not have demographic information;
whereas the data on the tape does contain demographic information for each tract.
Tape
distribution is available on either reels or cartridges; file descriptions-are included
with each order.
The charge for hardcopy distribution is $50.00 (Item #003); for tape
distribution, the charge is $250.00 (Item #104).
It is important to note that 1980 census tracts have been used in processing 1990 and 1991
HMDA data,- 1990 census tracts for processing beginning with 1992 HMDA data; 1990 MSA
redefinitions beginning with 1994 HMDA data.
The census data distributed will be
consistent with the HMDA year specified.
For example, if HMDA year 1991 is selected, 1980
census tract data with 1991 MSA definitions will be issued.
Disclosure Statement:
The Disclosure Statement summarizes mortgage and home improvement
lending information from data that is prepared yearly by individual institutions.
The
Disclosure Statement is distributed in hardcopy at a cost of $50.00 for each institution
requested.
(Item #001)
The Disclosure Statements are also available for MICA data.
prior to 1993(see page 8).
These data are not available
Expected Reporter Panel:
The Expected Reporter Panel is the universe of all institutions
who were expected to report under HMDA.
The panel includes the name of the institution,
the reporter ID and agency code, and the MSA number(s) of the metropolitan areas for which
they were expected to report.
The panel is captured from the database at the same time
that the final disclosure and aggregate reports are prepared for the Central Depositories,
usually in October.
The Expected Reporter Panel is distributed in reel or cartridge only
at a cost of $150.00.
A format description is also included with each order.
(Item #103)
The Expected Reporter Panel is also available for MICA data.
prior to 1994(see page 8).
These data are not available
Loan Application Records (LAR) and Transmittal Sheet (TS) D a t a : The LAR & TS data is
collected by a financial institution as a result of applications for, and originations and
purchases of, home-purchase loans (including refinancings) and home-improvement loans for
each calendar year.
LARs for 1990 total almost 6.6 million records and 9,332 Transmittal
Sheets (TSs); the 1991 LARs data total over 7.9 million records and 9,359 TSs; the 1992
LARs data total approximately 12.0 million records and 9,072 TSs; and the 1993 LARs data
total approximately 15.0 million records and 9,650 records.
The following should be
noted:
•
Data is not certified as error free.
•
For reasons of privacy, the dates and loan application numbers are
omitted from each record.
•
To form a unique identifier for a reporter,
the Respondent ID and
single character Agency Code must be used.
To form a unique loan
record identifier, the Respondent ID, Agency Code and Loan Sequence
Number must be used.
See record layout enclosed with distribution
tape for additional information.
LAR and TS data are distributed on tape at a cost of $500.00.
Reels or cartridges may be
chosen.
Record formats and file descriptions are included with each order.
(Item #102)
If reels are ordered, there will be multiple reels containing the LAR data and one reel
containing the TS data.
If cartridges are ordered, there will be several cartridges
containing the LAR data and one containing the TS data.
(The number of reels/cartridges
containing LAR data will vary according to the year requested because of the volume of
data). Note that both reels and cartridges containing LAR data will be multi-volume
datasets.
This means that to process ALL of the LAR data, each of the reels or cartridges
must be read successively.
9
August 1995
LAR and TS data are also distributed on CD-ROM at a cost of $50.00.
the ability to:
The user will have
•
Download the data contained on the compact
discs to a file.
•
Search by MSA, State, County, or Respondent ID and save to a file.
•
Import the file created from a download or
search into a software package or
mainframe application.
It is important to
consider the space limitations
of each application prior to loading the data into that application.
These LAR and TS files are also available for MICA data beginning in 1993.
data are only available on reel or cartridge(see page 8).
The 1993 MICA
MSA Aggregate Reports and Disclosure Statements on Microfiche/CD-ROM: The MSA Aggregate
Reports and individual lender Disclosure Statements for each MSA can be distributed on
microfiche at a cost of $20.00 per MSA (Item #301) or on CD-ROM at a cost of $150.00 for
the entire nation. (Item #302)
The CD-ROM allows the user to search by MSA, an institution's individual disclosure
statement, or a specific table on the MSA aggregation report.
Printing these records
requires a printer featured for 166 character output.
The MSA Aggregate Reports and Disclosure Statements on Microfiche/CD-ROM are also
available for MICA data.
These data are not available prior to 1994(see page 8).
MSA bv MSA Report on the Disposition of Applications by Race and Income of Each Applicant:
This report contains one table for each of the MSAs (341 in 1992).
It provides the number
and percentage of applications denied by the race and income of the applicants within the
MSA.
The report is available in hardcopy only at a cost of $50.00.
(Item #006) .
These reports are also available for MICA data.
1994(see page 8).
These data are not available prior to
MSA Median Family Income Listing: This Listing shows "MSA Median Family Incomes for 19xx
HMDA Reports" where xx is the HMDA year (i.e., 90, 91, etc.). If a 1990 Listing is
selected, there will be an adjustment factor of 1.6424 applied to the 1980 Median Family
Income column for each MSA to arrive at the Inflation Adjusted 1980 Median Family Income
column.
For 1991 and future Listings, the median family income of the
MSA is/will be
based on estimates developed annually by the Department of Housing and
Urban Development
(HUD). The figure for the MSA is the HUD estimate for the fiscal year that corresponds to
the year for which the loan/application data are reported.
The Listing is distributed free of charge.
(Item #004)
National Aggregate Reports: These reports are a nationwide summation of the individual
MSA Aggregate Reports.
They indicate the number and dollar amounts of lending, cross
tabulated by loan, applicant, and geographic characteristics.
The reports are available
in hardcopy only at a cost of $50.00.
(Item #005)
The National Aggregate Reports are also available for MICA data.
available prior to 1993 (see page 8).
These data are not
PC Diskettes by M S A : The PC Diskettes by MSA will contain individual loan application
records coded for the MSA(s) selected on the form.
The data contained for each MSA will
be only for institutions that are located in that MSA, i.e., the data reflected in the
Aggregate Report for that MSA. This data covers the institutions loan activity in the MSA
ordered only. There are also seven fields added to each loan application that identify the
population, minority population, and other census information.
The number of PC diskettes
generated per MSA will determine the charge.
The charges are broken down as follows: 1-4
diskettes per MSA is $25.00; 5-9 diskettes per MSA is $75.00; and 10 or more diskettes per
MSA is $150.00.
In order to determine the amount to submit with your order form, call
202-452-2016 for the number of diskettes required for each requested MSA(s). (Item #201)
The PC Diskettes by MSA are also available for MICA data.
prior to 1994 (see page 8).
10
These data are not available
August 1995
Reporter Directory: The Reporter Directory is a hard copy of ail HMDA reporters within a
specified MSA, sorted by name of reporter and then by state and county codes.
This
report:
•
Provides ID number, name of institution, city and state locations,
total assets, and parent ID number.
•
For each state and county in which an institution has activity, the
following are provided:
the
the
the
the
the
the
state and county codes;
number of tracts with loans;
number of loans originated;
number of applications;
ratio of loans to applications; and
number of loans purchased.
The charge for non-profit organizations will be $45.00 per requested MSA and $75.00 per
MSA for all others.
(Item #007)
Three-Report Package: This package of three reports is available in hardcopy only.
following information is provided for a specified institution/MSA combination:
The
Report on Disposition of Loan Applications.bv Income and Race
•
Compares applications by disposition and by income levels (as a
percentage of the MSA median income--less than 80%, 80-99%, 10012 0%, and more than 12 0%).
•
Is subdivided by race.
Report on Distribution of Loan Applications
•
Provides a summary of a specific institution's activity by income and
racial characteristics of the census tract within an MSA.
•
Covers applications for mortgage and home improvement loans and
refinancings.
•
Provides the number of applications received, the number of loans
originated, and the number of 1-4 family owner-occupied units within each
category of census tract characteristics.
Census Tract Summary
•
Provides the number, dollar amounts, and disposition ofapplications
for a specific institution/MSA by census tracts.
•
For each
the
the
the
the
the
the
the
the
•
Census tracts that are low- to moderate-income tracts are
census tract, the following are also provided:
median housing value;
median age of the housing stock;
median age of the population;
minority population percentage;
number of owner-occupied units;
number of households;
median income (adjusted);
denial rate;
highlighted.
These reports for non-profit organizations are priced at $45.00 per requested
institution/MSA, and $75.00 per institution/MSA for all others.
These reports are ordered
as a package, not separately.
(Item #008)
1995 Census Diskette: This is the nationwide census data that can be used to verify
HMDA property location information.
One diskette contains the MSA/State/County/Tract
combinations for 1995 HMDA reporting.
These combinations include those
State/County/Tracts outside of MSAs that will be verified for correctness.
This diskette
is in ASCII format, contains valid census combinations and does not include demographic
data.
(Item #105)
11
August 1995
@FedFRASER