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l l★K
Federal Reserve Bank
of Dallas
DALLAS, TEXAS
75265-5906
August 23, 1999
Notice 99-63
TO: The Chief Executive Officer of each
financial institution and others concerned
in the Eleventh Federal Reserve District
SUBJECT
Availability of 1998 Data on
Mortgage Lending Activity
DETAILS
The Federal Financial Institutions Examination Council (FFIEC) has announced the
availability of data on 1998 mortgage lending activity in metropolitan areas. In addition, the
FFIEC released analyses of nationwide summary statistics regarding lending patterns. The data
reflect lending activity for the 7,837 institutions covered by the Home Mortgage Disclosure Act
(HMDA). HMDA data are available from the offices of lenders subject to HMDA, directly from
the FFIEC in Washington, D.C., and from the FFIEC’s web site at the following address:
http://www.ffiec.gov
The FFIEC makes HMDA data available directly to the public in various formats,
including magnetic tape and CD-ROM.
ATTACHMENTS
The FFIEC’s press release and order forms describing the various reports and formats
available are attached.
MORE INFORMATION
For more information, please contact Eugene Coy in the Banking Supervision
Department at (214) 922-6201. For additional copies of this Bank’s notice, please contact the
Public Affairs Department at (214) 922-5254.
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.
Federal Financial Institutions Examination Council
2000 K Street, NW, Suite 310 • Washington, DC 20006 • (202) 872-7500 • FAX: (202) 872-7501
Press Release
For Immediate Release
July 29, 1999
The Federal Financial Institutions Examination Council (FFIEC) today announced the availability of data about 1998 mortgage lending activity in metropolitan areas and released analyses of
nationwide summary statistics regarding lending patterns. The nationwide summary statistics are
attached to this release; the following provides a general overview.
The data reflect lending activity for 7,837 institutions, both depository and non-depository,
that are covered by the Home Mortgage Disclosure Act (HMDA) and that reported data to member
agencies of the FFIEC—the Federal Deposit Insurance Corporation, Federal Reserve Board, National Credit Union Administration, Office of the Comptroller of the Currency, and Office of Thrift
Supervision—and to the Department of Housing and Urban Development (HUD).
The 1998 data include 24.7 million reported loans and applications, an increase of about 50
percent from 1997, resulting primarily from a very large increase in refinancing activity (table 1).
The number of home purchase loans extended in 1998 compared with 1997 increased 21 percent for
Native Americans, 16 percent for Hispanics, 13 percent for Asians and Whites, and 9 percent for
Blacks. During the six years from 1993 through 1998, the number of home purchase loans extended
has increased 87 percent for Hispanics, 72 percent for Blacks, 52 percent for Native Americans, 46
percent for Asians, and 31 percent for Whites (table 7). (The period 1993-1998 is used because
HMDA coverage was expanded in 1993 to include a significantly large group of independent mortgage companies.)
The number of home purchase loans extended to applicants in all income categories increased in 1998 compared with the prior year. The number of such loans extended in 1998 to applicants with incomes less than 80 percent of the median family income for their metropolitan statistical area (MSA) increased 19 percent over 1997. During the same period, applicants with incomes of
100-119 percent of their MSA’s median experienced a 15 percent increase, while 14 percent increases were experienced by applicants with incomes of 80-99 percent and 120 percent or more of
the median (table 7).
During the six years from 1993 through 1998, the number of home purchase loans extended
to applicants with incomes less than 80 percent of the median increased 64 percent. During the same
period, applicants with incomes equaling or exceeding 120 percent of the median experienced an
increase of 45 percent. Applicants with incomes of 80-99 percent and 100-119 percent of the median
experienced increases of 42 percent and 37 percent respectively (table 7). A significant minority of
-2home purchase loan applications in 1998 was for government-backed loans; the majority was for
conventional (non-government-backed) loans (table 2). The number of government-backed loans
extended to Native Americans increased 34 percent in 1998 compared with 1997. The number of
such loans extended to Hispanics increased 9 percent over the same period, while Whites, Blacks,
and Asians experienced increases of 5, 3, and 1 percent respectively (table 6).
The number of government-backed home purchase loans extended to applicants in all income
categories increased in 1998 from 1997 levels. The number of such loans extended to applicants
with incomes of less than 80 percent of their MSA’s median increased 9 percent, compared with
increases of 4 percent for applicants with incomes of 100-119 percent and 120 percent or more of the
median. Applicants whose incomes were 80-99 percent of the median experienced a 3 percent
increase (table 6).
The number of conventional loans extended to Hispanics and Native Americans increased 22
and 17 percent, respectively, in 1998 compared with 1997. The number of conventional loans
extended to Asians and Whites increased 15 percent over the same period, and the number of such
loans extended to Blacks increased 13 percent (table 5).
The number of conventional home purchase loans extended to applicants in all income
categories increased in 1998 from 1997 levels. Applicants with incomes less than 80 percent of the
MSA median experienced an increase of 25 percent. Applicants with incomes of 80-99 percent and
100-119 percent of the median experienced increases of 20 percent, while applicants whose incomes
equaled or exceeded 120 percent of the median experienced an increase of 16 percent (table 5).
Denial rates for conventional home purchase loans in 1998 were 54 percent for Black applicants, 53 percent for Native American applicants, 39 percent for Hispanic applicants, 26 percent for
White applicants, and 12 percent for Asian applicants (table 3). These rates were marginally higher
than in 1997 for each group except Asians, for whom denial rates fell.
The overall denial rate for conventional loans was 29 percent in 1998. This rate has increased from 17 percent in 1993. Analysis of HMDA data alone is not sufficient, however, to
determine whether this and other observed patterns in mortgage lending and denial rates result from
market forces, changes in underwriting practices, illegal mortgage discrimination, or differences in
mortgage loan growth among states and MSAs.
The disclosure statements underlying the statistics presented above and in the attached tables
are available for public inspection at central depositories throughout the nation. The disclosures
include individual financial institutions’ disclosure statements and aggregate data for each MSA.
(The location of the central depository for an MSA can be obtained by calling the FFIEC at 202/6346526 or by visiting the FFIEC Web site (www.ffiec.gov) at this page: www.ffiec.gov/hmda/centdep/
main.cfm.) In addition to the disclosures available at central depositories, HMDA data are available
from three other sources: at offices of lenders subject to HMDA, directly from the FFIEC in Washington, D.C., and at the FFIEC Web site at http://www.ffiec.gov.
-3The FFIEC makes HMDA data available in various formats, including paper, magnetic tape,
CD-ROM, and at the FFIEC Web site. Tables showing the nationwide aggregates and key demographic information for MSAs can be obtained in paper form. The data for all individual loans and
applications, submitted by the reporting institutions, are available on CD-ROM and magnetic tape.
An order form, with descriptions of the various reports and formats available, is attached to this
release.
The HMDA 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, sex, and annual income. For most loans relating to property
located in MSAs, as well as some loans relating to property located outside MSAs, the reports
identify the geographic location, usually by census tract.
The HMDA data also include information on loans that are sold, showing the type of purchaser of the loan. Among other things, this information is used by HUD in assessing the performance of Fannie Mae and Freddie Mac in meeting their legislatively mandated affordable housing
goals.
The FFIEC also provides data on mortgage insurance applications. Data from the nation’s
eight private mortgage insurance (PMI) companies were compiled under the auspices of the Mortgage Insurance Companies of America, and are available at individual PMI companies, at the central
depositories in each MSA, and from the FFIEC.
1.
Residential lending activity reported by financial institutions covered by HMDA,
1981-98
Year
1981 . . . . . .
1982 . . . . . .
1983 . . . . . .
1984 . . . . . .
1985 . . . . . .
1986 . . . . . .
1987 . . . . . .
1988 . . . . . .
1989 . . . . . .
19902 . . . . . .
1991 . . . . . .
1992 . . . . . .
1993 . . . . . .
1994 . . . . . .
1995 . . . . . .
1996 . . . . . .
19973 . . . . . .
1998 . . . . . .
Number of loans1
(millions)
1.28
1.13
1.71
1.86
1.98
2.83
3.42
3.39
3.13
6.59
7.89
12.01
15.38
12.20
11.23
14.81
16.41
24.66
Number of reporting
institutions
8,094
8,258
8,050
8,491
8,072
8,898
9,431
9,319
9,203
9,332
9,358
9,073
9,650
9,858
9,539
9,328
7,925
7,837
Number of MSA
disclosure reports
10,945
11,357
10,970
11,799
12,567
12,329
13,033
13,919
14,154
24,041
25,934
28,782
35,069
37,742
36,611
42,936
47,416
57,294
1. Before 1990, includes only loans originated by covered institutions; beginning in 1990 (first year under the
revised reporting system), includes loans originated and purchased, applications approved but not accepted by
the applicant, applications denied or withdrawn, and applications closed because information was incomplete.
2. Revised from preliminary figures published in Glenn B. Canner and Dolores S. Smith, “Home Mortgage
Disclosure Act: Expanded Data on Residential Lending,” Federal Reserve Bulletin, vol. 77 (November 1991),
p. 861, to reflect corrections and the reporting of additional data.
3. First year since HMDA was enacted that the asset exemption threshold for coverage of depository
institutions was increased to account for the effects of inflation.
SOURCE. FFIEC, Home Mortgage Disclosure Act data.
-22.
Applications for one- to four-family home loans reported under HMDA, grouped by purpose of loan and distributed by characteristic of applicant and census tract, 1998
Home purchase
Government-backed1
Characteristic
Number
APPLICANT
Racial/ethnic identify
American Indian/Alaskan
Native . . . . . . . . . . . . . . . . . . . . . .
Asian/Pacific Islander
Black . . . . . . . . . . . . . . . . . . . . . .
Hispanic . . . . . . . . . . . . . . . . . . . .
White . . . . . . . . . . . . . . . . . . . . . .
Other . . . . . . . . . . . . . . . . . . . . . .
Joint (white/minority)
Total . . . . . . . . . . . . . . . . . . . .
Income (percentage of MSA
median) 2
Less than 50 . . . . . . . . . . . . . . . . .
50-79 . . . . . . . . . . . . . . . . . . . . . .
80-99 . . . . . . . . . . . . . . . . . . . . . .
100-119 . . . . . . . . . . . . . . . . . . . .
120 or more . . . . . . . . . . . . . . . . .
Total . . . . . . . . . . . . . . . . . . . .
CENSUS TRACT
Racial/ethnic composition
(minorities as percentage of
population)
Less than 10 . . . . . . . . . . . . . . . . .
10-19 . . . . . . . . . . . . . . . . . . . . . .
20-49 . . . . . . . . . . . . . . . . . . . . . .
50-79 . . . . . . . . . . . . . . . . . . . . . .
80-100 . . . . . . . . . . . . . . . . . . . . .
Total . . . . . . . . . . . . . . . . . . . .
Percent
Memo:
Percentage of home purchase loans
for given characteristic
Home refinancing
Conventional
Number
Percent
Memo:
Percentage of home purchase loans
for given characteristic
Number
Percent
Home improvement
Number
Percent
6,149
.5
11.7
46,594
.8
88.3
36,132
.4
9,510
.7
19,266
161,829
170,724
746,341
9,528
35,980
1,149,817
1.7
14.1
14.8
64.9
.8
3.1
100
10.3
22.7
30.8
13.6
13.5
23.9
15.9
167,297
551,396
383,508
4,751,012
61,055
114,482
6,075,344
2.8
9.1
6.3
78.2
1.0
1.9
100
89.7
77.3
69.2
86.4
86.5
76.1
84.1
255,133
647,720
446,913
6,825,276
189,121
175,597
8,575,892
3.0
7.5
5.2
79.6
2.2
2.0
100
26,624
145,536
123,079
970,548
21,473
22,509
1,319,279
2.0
11.0
9.3
73.6
1.6
1.7
100
118,200
353,546
214,024
145,783
203,920
1,035,473
11.4
34.1
20.7
14.1
19.7
100
18.7
26.4
25.4
21.1
9.6
18.4
515,005
984,125
629,026
544,833
1,931,356
4,604,346
11.2
21.4
13.7
11.8
41.9
100
81.3
73.6
74.6
78.9
90.4
81.6
840,710
1,654,353
1,220,790
1,098,236
3,701,816
8,515,905
9.9
19.4
14.3
12.9
43.5
100
252,673
378,134
243,493
203,227
550,118
1,627,645
15.5
23.2
15.0
12.5
33.8
100
388,640
236,439
264,690
85,213
61,853
1,036,835
37.5
22.8
25.5
8.2
6.0
100
14.3
18.4
23.2
23.7
26.3
18.1
2,335,118
1,046,844
875,072
273,698
173,568
4,704,300
49.6
22.3
18.6
5.8
3.7
100
85.7
81.6
76.8
76.3
73.7
81.9
4,715,504
1,882,594
1,644,030
601,275
571,469
9,414,872
50.1
20.0
17.5
6.4
6.1
100
738,762
282,683
284,290
133,090
175,157
1,613,982
45.8
17.5
17.6
8.3
10.9
100
-32.
Continued
Home purchase
Government-backed1
Characteristic
Number
Income3
Low . . . . . . . . . . . . . . . . . . . . . . .
Moderate . . . . . . . . . . . . . . . . . . .
Middle . . . . . . . . . . . . . . . . . . . . .
Upper . . . . . . . . . . . . . . . . . . . . . .
Total . . . . . . . . . . . . . . . . . . . .
Location4
Central city . . . . . . . . . . . . . . . . . .
Non-central city . . . . . . . . . . . . . .
Total . . . . . . . . . . . . . . . . . . . .
Percent
Memo:
Percentage of home purchase loans
for given characteristic
Home refinancing
Conventional
Number
Percent
Memo:
Percentage of home purchase loans
for given characteristic
Number
Percent
Home improvement
Number
Percent
20,938
166,483
605,966
255,587
1,048,974
2.0
15.9
57.8
24.4
100
18.5
21.9
20.5
13.3
18.2
92,263
594,718
2,351,647
1,671,981
4,710,609
2.0
12.6
49.9
35.6
100
81.5
78.1
79.5
86.7
81.8
233,750
1,198,730
4,835,580
3,188,403
9,446,463
2.4
12.7
51.2
33.8
100
71,351
306,152
860,495
409,705
1,647,703
4.3
18.6
52.2
24.9
100
475,995
586,168
1,062,163
44.8
55.2
100
20.2
16.8
18.1
1,885,861
2,904,610
4,790,471
39.4
60.6
100
79.8
83.2
81.9
3,691,803
5,876,950
9,568,753
38.6
61.4
100
731,889
945,383
1,677,272
43.6
56.4
100
NOTE. Lenders reported 21,436,038 applications for home loans in 1998, but applicant and geographic information was not reported for all applications. Thus, the distribution of
applications varies in number by characteristic.
1.
Loans backed by the Federal Housing Administration, the Department of Veterans Affairs, or the Farmers Home Administration.
2.
MSA median is median family income of the metropolitan statistical area (MSA) in which the property related to the loan is located.
3. Census tracts are categorized by the median family income for the tract relative to the median family income for the metropolitan statistical area (MSA) in which the tract is located.
Categories are defined as follows: Low income, median family income for census tract less than 50 percent of median family income for MSA; Moderate income, median family income
for census tract 50 percent to 79 percent of MSA median; Middle income, median family income 80 percent to 119 percent of MSA median; Upper income, median family income 120
percent or more of MSA median.
4.
For census tracts located in MSAs.
SOURCE. FFIEC, Home Mortgage Disclosure Act.
-43. Disposition of conventional home purchase loan applications, by characteristics of applicant,
1998
Percentage distribution by number of applications
Applicant characteristic
Race or ethnic group
American Indian/
Alaskan Native . . . . . . .
Asian/Pacific Islander . . .
Black . . . . . . . . . . . . . . . .
Hispanic . . . . . . . . . . . .
White . . . . . . . . . . . . . . .
Other . . . . . . . . . . . . . . . .
Joint (white/minority) . .
Income (percentage of
MSA median) 1
Less than 50 . . . . . . . . . .
50-79 . . . . . . . . . . . . . . . .
80-99 . . . . . . . . . . . . . . . .
100-119 . . . . . . . . . . . . . .
120 or more . . . . . . . . . . .
Type of disposition
Approved
Denied
Withdrawn
File closed
Total
41.0
52.9
5.3
.8
100
78.4
38.8
53.1
67.4
64.0
69.9
11.8
53.7
38.7
26.0
25.9
22.6
8.1
6.4
6.9
5.7
8.5
6.4
1.6
1.1
1.3
.9
1.6
1.1
100
100
100
100
100
100
47.4
62.4
70.5
75.3
81.9
45.5
30.4
21.6
16.6
10.0
5.9
6.1
6.7
6.9
6.8
1.2
1.1
1.2
1.2
1.3
100
100
100
100
100
1. MSA median is median family income of the metropolitan statistical area in which the property related to the
loan is located.
SOURCE. FFIEC, Home Mortgage Disclosure Act data.
-54.
Disposition of conventional home purchase loan applications, by income and race of applicant, 1998
Percent distribution, by number of applications
Type of disposition
Applicant income and racial or ethnic group1
Approved
Denied
Withdrawn
File closed
Total
Less than 50
American Indian/Alaskan Native . . . . . . . . . . . . . .
40.2
52.3
5.8
1.8
100
Asian/Pacific Islander . . . . . . . . . . . . . . . . . . . . . .
69.7
20.2
8.2
2.0
100
Black . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
38.6
54.6
5.4
1.4
100
Hispanic . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
45.2
48.6
5.0
1.2
100
White . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
50.9
43.8
4.4
.9
100
American Indian/Alaskan Native . . . . . . . . . . . . . .
53.9
39.2
5.7
1.2
100
Asian/Pacific Islander . . . . . . . . . . . . . . . . . . . . . .
79.2
12.6
6.8
1.4
100
Black . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
48.5
43.2
6.8
1.5
100
Hispanic . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
55.1
38.1
5.7
1.1
100
White . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
66.7
27.6
4.9
.8
100
American Indian/Alaskan Native . . . . . . . . .
61.2
30.2
7.5
1.2
100
Asian/Pacific Islander . . . . . . . . . . . . . . . . . .
80.7
10.5
7.2
1.6
100
Black . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
54.9
35.4
8.0
1.7
100
Hispanic . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
61.5
30.3
6.8
1.4
100
White . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
74.6
19.1
5.4
.9
100
American Indian/Alaskan Native . . . . . . . . .
65.8
25.6
7.4
1.2
100
Asian/Pacific Islander . . . . . . . . . . . . . . . . . .
82.1
9.3
7.1
1.5
100
Black . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
59.1
30.4
8.7
1.8
100
Hispanic . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
65.8
25.4
7.4
1.5
100
White . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
79.1
14.4
5.6
.9
100
American Indian/Alaskan Native . . . . . . . . .
74.0
16.4
8.0
1.5
100
Asian/Pacific Islander . . . . . . . . . . . . . . . . . .
82.1
8.9
7.5
1.5
100
Black . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
67.3
21.5
9.3
1.9
100
Hispanic . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
73.0
16.5
8.4
2.1
100
50-79
80-99
100-119
120 or more
White . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
84.8
8.5
5.7
1.0
100
1. Applicant income shown as percentage of the median family income of the metropolitan statistical area in which
the property related to the loan is located.
SOURCE. FFIEC, Home Mortgage Disclosure Act data.
-65.
Conventional home purchase loans by racial or ethnic group and income of borrowers, 1991-98
Number of loans and percentage change
Borrower and census
tract characteristic
1991
1992
19931
Number of loans
Percentage change
Memo:
Year
Period
Percentage
change
1993-981
19941
19951
19961
19971
1998
19911992
199219931
199319941
199419951
199519961
199619971
19971998
Borrower
Racial or ethnic
group
American Indian . . .
6,395
7,280
8,638
10,691
10,712
11,368
11,254
13,175
13.8
18.7
23.8
.2
6.1
-1.0
17.1
52.5
Asian . . . . . . . . . . . .
64,789
68,416
78,671
93,319
85,571
91,547
103,192
118,486
5.6
15.0
18.6
-8.3
7.0
12.7
14.8
50.6
Hispanic . . . . . . . . . .
62,237
66,995
91,345
129,695
134,982
135,683
132,808
162,365
7.6
36.3
42.0
4.1
.5
-2.1
22.3
77.7
Black . . . . . . . . . . . .
44,897
56,516
81,322
125,796
138,034
135,944
139,544
158,266
25.9
43.9
54.7
9.7
-1.5
2.6
13.4
94.6
White . . . . . . . . . . . .
1,312,694
1,582,030
1,971,153
2,281,450
2,205,360
2,354,024
2,402,232
2,760,370
20.5
24.6
15.7
-3.3
6.7
2.0
14.9
40.0
Less than 80 . . . . . . .
219,269
278,390
407,059
516,824
494,007
558,162
571,125
712,690
27.0
46.2
27.0
-4.4
13.0
2.3
24.8
75.1
80-99 . . . . . . . . . . . .
149,544
190,282
248,402
295,734
282,925
315,681
323,000
386,811
27.2
30.5
19.1
-4.3
11.6
2.3
19.8
55.7
100-119 . . . . . . . . . .
160,961
196,311
246,294
285,044
268,682
299,878
306,796
367,248
22.0
25.5
15.7
-5.7
11.6
2.3
19.7
49.1
120 or more . . . . . . .
743,366
819,576
950,597
1,069,305
1,047,464
1,172,762
1,251,561
1,450,085
10.3
16.0
12.5
-2.0
12.0
6.7
15.9
52.5
Income (percentage
of MSA median)2
-75.
(continued)
Number of loans
Percentage change
Year
Borrower and census
tract characteristic
Memo:
Period
19911992
199219931
199319941
199419951
199519961
199619971
19971998
Percentage
change
1993-981
19931
19941
19951
19961
19971
1998
855,219
1,077,879
1,197,432
1,153,284
1,321,350
1,362,339
1,594,523
1.9
26.0
11.1
-3.7
14.6
3.1
17.0
47.9
310,563
386,443
460,110
437,355
510,044
548,938
664,749
48.1
24.4
19.1
-4.9
16.6
7.6
21.1
72.0
142,344
225,275
272,690
337,292
322,835
370,646
398,713
493,515
58.3
21.0
23.7
-4.3
14.8
7.6
23.8
81.0
50-79 . . . . . . . . . . . .
42,189
68,144
81,628
101,817
98,145
105,828
113,049
136,923
61.5
19.8
24.7
-3.6
7.8
6.8
21.1
67.7
80-100 . . . . . . . . . . .
23,838
36,937
43,263
56,329
56,545
55,981
59,347
71,529
55.0
17.1
30.2
.4
-1.0
6.0
20.5
65.3
Low or moderate . . .
Middle3 . . . . . . . . . . .
116,545
152,137
185,014
224,434
232,659
255,204
268,463
323,795
30.5
21.6
21.3
3.7
9.7
5.2
20.6
75.0
695,472
725,069
897,645
1,053,155
1,010,219 1,145,439
1,185,276
1,416,359
4.3
23.8
17.3
-4.1
13.4
3.5
19.5
57.8
Upper3 . . . . . . . . . . .
445,501
618,932
783,695
877,527
1,030,747
1,226,778
38.9
26.6
12.0
-5.7
16.8
6.6
19.0
56.5
1991
1992
Less than 10 . . . . . . .
839,450
10-19 . . . . . . . . . . . .
209,697
20-49 . . . . . . . . . . . .
Census Tract
Racial composition
(minorities as a
percentage of
population)
Income of census
tract
827,855
966,599
1. Includes loans reported by independent mortgage companies, which were not covered before 1993.
2. MSA median is median family income of the metropolitan statistical area in which the property related to the loan is located.
3. Census tracts are categorized by the median family income for the tract relative to the median income for the metropolitan statistical area (MSA) in which the tract is located. Categories are defined as follows:
low or moderate, median family income for census tract less than 80 percent of median family income for MSA; middle income, median family income for census tract 80 percent to 119 percent of MSA median;
upper income, median family income 120 percent or more of MSA median.
SOURCE. FFIEC, Home Mortgage Disclosure Act.
-86. Government-backed home purchase loans by racial or ethnic group and income of borrowers, 1991-98
Number of loans and percentage change
Borrower characteristic
19931
Number of loans
Percentage change
Memo:
Year
Period
Percentage
change
1993-981
19941
19951
19961
19971
1998
19911992
199219931
199319941
199519961
199619971
19971998
-13.5
31.3
-1.7
33.5
1.3
16.8
8.7
1.4
19.8
8.6
13.0
34.9
11.2
8.8
101.0
62.0
14.1
10.5
9.3
5.3
2.6
49.1
37.6
-13.8
-2.0
13.9
1.9
4.5
2.5
1991
1992
American Indian . . .
2,386
2,560
3,298
3,295
2,850
3,743
3,679
4,912
7.3
28.8
-.1
Asian . . . . . . . . . . . .
9,015
8,527
12,698
11,662
11,813
13,797
14,998
15,214
-5.4
49.0
-8.2
Hispanic . . . . . . . . . .
36,292
34,812
66,089
71,761
81,067
109,343
121,574
132,274
-4.1
89.8
Black . . . . . . . . . . . .
50,502
50,065
81,057
92,514
102,237
111,748
117,689
120,827
-.9
White . . . . . . . . . . . .
439,073
440,845
606,619
522,932
512,701
583,962
594,837
621,826
.4
199419951
Borrower
Racial or ethnic
group
48.9
Income (percentage
of MSA median)2
Less than 80 . . . . . . .
157,590
158,069
260,387
250,708
244,011
310,788
349,829
380,605
.3
64.7
-3.7
-2.7
27.4
12.6
8.8
46.2
80-99 . . . . . . . . . . . .
100,178
100,150
148,963
140,168
142,470
168,753
173,160
178,973
-.0
48.7
-5.9
1.6
18.4
2.6
3.4
20.1
100-119 . . . . . . . . . .
80,811
77,491
110,821
100,398
105,308
118,066
117,922
122,536
-4.1
43.0
-9.4
4.9
12.1
-.1
3.9
10.6
120 or more . . . . . . .
139,361
124,996
165,111
146,654
157,666
173,402
164,429
170,384
-10.3
32.1
-11.2
7.5
10.0
-5.2
3.6
3.2
-96. (continued)
Borrower and census
tract characteristic
Number of loans
Percentage change
Memo:
Year
Period
Percentage
change
1993-981
1991
1992
19931
19941
19951
19961
19971
1998
19911992
199219931
199319941
199419951
199519961
199619971
19971998
Less than 10 . . . . . . .
265,248
199,489
285,148
246,603
246,410
297,036
312,574
329,303
-24.8
42.9
-13.5
-.1
20.5
5.2
5.4
15.5
10-19 . . . . . . . . . . . .
90,185
113,448
163,988
148,902
152,157
180,104
182,787
196,643
25.8
44.5
-9.2
2.2
18.4
1.5
7.6
19.9
20-49 . . . . . . . . . . . .
67,901
106,295
163,230
159,599
162,391
192,504
197,994
213,323
56.5
53.6
-2.2
1.7
18.5
2.9
7.7
30.7
50-79 . . . . . . . . . . . .
17,808
28,234
46,295
46,085
48,272
57,631
61,929
65,120
58.5
64.0
-.5
4.7
19.4
7.5
5.2
40.7
80-100 . . . . . . . . . . .
14,414
16,555
27,138
27,943
32,580
39,405
43,993
44,513
14.9
63.9
3.0
16.6
20.9
11.6
1.2
64.0
Census Tract
Racial composition
(minorities as a
percentage of
population)
Income of census
tract
Low or moderate . . .
58,539
73,467
107,348
100,613
110,075
133,729
142,008
145,386
25.5
46.1
-6.3
9.4
21.5
6.2
2.4
35.4
Middle3 . . . . . . . . . . .
Upper3 . . . . . . . . . . .
289,973
271,815
405,250
375,626
376,620
447,372
467,774
500,665
-6.3
49.1
-7.3
.3
18.8
4.6
7.0
23.5
107,044
118,739
178,137
158,462
161,753
193,611
198,742
212,015
10.9
50.0
-11.0
2.1
19.7
2.7
6.7
19.0
1. Includes loans reported by independent mortgage companies, which were not covered before 1993.
2. MSA median is median family income of the metropolitan statistical area in which the property related to the loan is located.
3. Census tracts are categorized by the median family income for the tract relative to the median income for the metropolitan statistical area (MSA) in which the tract is located. Categories are defined as follows:
low or moderate, median family income for census tract less than 80 percent of median family income for MSA; middle income, median family income for census tract 80 percent to 119 percent of MSA median;
upper income, median family income 120 percent or more of MSA median.
SOURCE. FFIEC, Home Mortgage Disclosure Act.
- 10 7.
All home purchase loans by racial or ethnic group and income of borrowers, 1991-981
Number of loans and percentage change
Borrower characteristic
1991
1992
19932
Number of loans
Percentage change
Memo:
Year
Period
Percentage
change
1993-98
19942
19952
19962
19972
1998
19911992
199219932
199319942
199419952
199519962
199619972
19971998
Borrower
Racial or ethnic
group
American Indian . . .
8,781
9,840
11,936
13,986
13,562
15,111
14,933
18,087
12.1
21.3
17.2
-3.0
11.4
-1.2
21.1
51.5
Asian . . . . . . . . . . . .
73,804
76,943
91,369
104,981
97,384
105,344
118,190
133,700
4.3
18.7
14.9
-7.2
8.2
12.2
13.1
46.3
Hispanic . . . . . . . . . .
98,529
101,807
157,434
201,456
216,049
245,026
254,382
294,639
3.3
54.6
28.0
7.2
13.4
3.8
15.8
87.2
Black . . . . . . . . . . . .
95,399
106,581
162,379
218,310
240,268
247,692
257,233
279,093
11.7
52.4
34.4
10.1
3.1
3.9
8.5
71.9
White . . . . . . . . . . . .
1,751,767
2,022,875
2,577,772
2,804,382
2,718,061
2,937,986
2,997,069
3,382,196
15.5
27.4
8.8
-3.1
8.1
2.0
12.9
31.2
Less than 80 . . . . . . .
376,859
436,459
667,446
767,532
738,015
868,950
920,954
1,093,295
15.8
52.9
15.0
-3.8
17.7
6.0
18.7
63.8
80-99 . . . . . . . . . . . .
249,722
290,432
397,365
435,902
425,395
484,434
496,160
565,784
16.3
36.8
9.7
-2.4
13.9
2.4
14.0
42.4
100-119 . . . . . . . . . .
241,772
273,802
357,115
385,442
373,991
417,944
424,718
489,784
13.2
30.4
7.9
-3.0
11.8
1.6
15.3
37.2
120 or more . . . . . . .
882,727
944,572
1,115,708
1,215,959
1,205,130
1,346,164
1,415,990
1,620,469
7.0
18.1
9.0
-.9
11.7
5.2
14.4
45.2
Income (percentage
of MSA median)3
- 11 7.
(continued)
Borrower characteristic
Number of loans
Percentage change
Memo:
Year
Period
Percentage
change
1993-98
19911992
199319942
199419952
199519962
29.2
5.9
-3.1
15.6
3.5
14.9
41.1
29.8
10.6
-3.2
17.1
6.0
17.7
56.5
31.5
14.0
-2.3
16.1
6.0
18.5
62.1
32.7
15.6
-1.0
11.6
7.0
15.5
57.9
39.8
31.6
19.7
5.8
7.0
8.3
12.3
64.8
469,181
28.9
29.6
11.2
5.4
13.5
5.5
14.3
60.5
1,917,024
1.2
30.7
9.7
-2.9
14.9
3.8
16.0
47.1
33.5
30.4
7.7
-4.5
17.2
6.0
17.0
49.6
1991
1992
19932
19942
19952
19962
19972
1998
Less than 10 . . . . . . .
1,104,698
1,054,708
1,363,027
1,444,035
1,399,694
1,618,386
1,674,913
1,923,826
4.5
10-19 . . . . . . . . . . . .
299,882
424,011
550,431
609,012
589,512
690,148
731,725
861,392
41.4
20-49 . . . . . . . . . . . .
210,245
331,570
435,920
496,891
485,225
563,150
596,707
706,838
57.7
50-79 . . . . . . . . . . . .
59,997
96,378
127,923
147,902
146,416
163,459
174,978
202,043
60.6
80-100 . . . . . . . . . . .
38,252
53,492
70,401
84,272
89,124
95,386
103,340
116,042
Low or moderate . . .
175,084
225,604
292,362
325,047
342,731
388,933
410,471
Middle4 . . . . . . . . . . .
Upper4 . . . . . . . . . . .
985,445
996,884
1,302,895
1,428,781
1,386,839
1,592,811
1,653,050
552,545
737,671
961,832
1,035,989
989,608
1,160,210
1,229,489
1,438,793
199219932
199619972
19971998
Census Tract
Racial composition
(minorities as a
percentage of
population)
Income of census
tract
1. Includes both conventional and government-backed home purchase loans.
2. Includes loans reported by independent mortgage companies, which were not covered before 1993.
3. MSA median is median family income of the metropolitan statistical area in which the property related to the loan is located.
4. Census tracts are categorized by the median family income for the tract relative to the median income for the metropolitan statistical area (MSA) in which the tract is located. Categories are defined as follows:
low or moderate, median family income for census tract less than 80 percent of median family income for MSA; middle income, median family income for census tract 80 percent to 119 percent of MSA median;
upper income, median family income 120 percent or more of MSA median.
SOURCE. FFIEC, Home Mortgage Disclosure Act.
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MSA Number: /_/_/_/_/
MSA Name: _______________________
MSA Number: /_/_/_/_/
Institution
Name: ____________________________
/_/_/_/_/_/_/_/_/_/_/-/_/
MSA Name: _______________________
MSA Number: /_/_/_/_/
MSA Name: _______________________
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
July 1999
$
FEDERAL FINANCIAL INSTITUTIONS EXAMINATION COUNCIL
HMDA DATA ORDER FORM
(HMDA ELECTRONIC ITEMS)
FFIEC AND FRB USE ONLY
FFIEC Control Number: ________
SELECTION LIST
There is an additional charge for each year requested (see attached item
descriptions)
Data Type (see page 10): FFIEC____, MICA____
____ Aggregate Report (Item #101)
Indicate HMDA year(s) ______, ______, ______
____ LAR & TS Raw Data (Item #102)
Indicate HMDA year(s) ______, ______, ______
____ Reporter Panel (Item #103)*
Indicate HMDA year(s) ______, ______, ______
QTY
UNIT
COST
$500.00
(reel or
cartridge)
TOTAL
$
$
$500.00
(reel or
cartridge)
OR $50.00
(CD-ROM only)
$
$150.00
(reel or
cartridge)
$
$150.00
$
Select:
__ Reel (6250 bpi) in __ EBCDIC OR __ ASCII
OR __ Cartridge
OR __ CD-ROM (LAR & TS Raw Data Only)**
*Included on the LAR & TS Raw Data CD-ROM for 1997 and years thereafter.
**Not available for years prior to 1992.
MSA Aggregate Reports and Disclosure Statements on CD-ROM (Item #302)
Data Type (see page 10): FFIEC____, MICA____
Indicate year(s): ______, ______
Note: Only available for 1992, 1994, 1995, 1996, and 1997 HMDA reporting years.
GRAND TOTAL
July 1999
$
FEDERAL FINANCIAL INSTITUTIONS EXAMINATION COUNCIL
HMDA DATA ORDER FORM
(HMDA PREPARATION ITEMS)
FFIEC AND FRB USE ONLY
FFIEC Control Number: ________
SELECTION LIST
There is an additional charge for each year requested (see attached item
descriptions)
A Guide to HMDA Reporting: Getting it Right (Item #010)
UNIT
COST
TOTAL
$ 5.00
$
GRAND TOTAL
$
QTY
Indicate year(s): ______, ______
*This guide was developed to assist those who prepare the HMDA report. See
the "Item Descriptions" for more information.
July 1999
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 generally become available by
August of the year following the reporting year, and data through calendar year 1998 are now available. Reports using census data
and the HUD Median Family Income Listings become available earlier in the year. Please refer to the HMDA Assistance Line at
(202) 452-2016, email at HMDAHELP@FRB.GOV, or Internet at www.ffiec.gov/hmda for the latest release of these reports.
• There is an additional charge for each year, MSA, and/or institution requested.
• Charges for duplicate requests apply.
The FFIEC has entered into an agreement with the Mortgage Insurance Companies of America (MICA) to compile data on
mortgage insurance applications for the nation's eight private mortgage insurance companies. These data are available
beginning with data for the fourth quarter of calendar year 1993 and for calendar years 1994 through 1996. The FFIEC makes
the data available in formats similar to those for the HMDA data. The following items are available for MICA data: Disclosure
Statements (Item #001); Aggregate Reports (Item #002); the National Aggregate Report (Item #005); MSA by MSA Report on
the Disposition of Applications by Race and Income of Each Applicant (Item #006); LAR & TS Raw Data (Item #102);
Reporter Panel (Item #103); and MSA Aggregate Reports and Disclosure Statements on CD-ROM (Item #302). Because 1993
MICA data cover only the fourth quarter, the charge for the LAR & TS Raw Data (Item #102) is $125. Subsequent years' data
are collected annually, and therefore, charges do not differ from the FFIEC data. Items other than the LAR & TS Raw Data do
not have a reduced price for the 1993 reporting year. When ordering items, be sure to specify the data type. The FFIEC data
include those institutions required to report HMDA under Regulation C, and the MICA data include those eight mortgage
insurers reporting HMDA data as agreed upon with the FFIEC.
Aggregate Report: The Aggregate Reports of MSAs, sorted by MSA, are distributed as either hardcopy or on tape. Printed reports of
MSAs range from 30 to 604 pages each, and average about 60 pages. For years prior to 1996, this report aggregates the mortgage and
home improvement lending information within an MSA, where an institution has a home or branch office in that MSA. For 1996 and years
thereafter, this report aggregates the mortgage and home improvement lending information within an MSA, regardless of whether the
institution has a home or branch office in that MSA. It is in the same format as the disclosure statements; however, individual institution’s
data cannot 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 cannot 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 are included on the tape. Also, a listing is provided that shows the relative position and number of
pages for each MSA on the tape. Data are in EBCDIC and formatted as follows: record length = 166; block size = 24,900; and record
format = fixed block. Printing these records requires a printer featured for 166 character output. The charge for tape distribution is
$500.00. (Item #101)
The hardcopy Aggregate item is also available for MICA data. These data are not available prior to 1993 (see above).
A Guide to HMDA Reporting: Getting it Right: The guide was developed to assist those who prepare the HMDA report for their
institutions, and also contains an executive summary for management officials that explains the responsibilities of institutions that are
subject to HMDA. The 1998 version is a comprehensive edition for use beginning with the 1998 calendar year data (due March 1, 1999).
It provides a summary of responsibilities and requirements, directions for assembling the necessary tools, and step-by-step instructions for
reporting HMDA data. It includes information about obtaining data from the Bureau of the Census, and contains a listing of MSA, state,
and county codes. Appendices include Regulation C: the Instructions for Completion of the HMDA-LAR; Form and Instructions for Data
Collection on Race or National Origin and Sex; and the Staff Commentary on Regulation C. The guide is also available via the HMDA
Assistance Line Fax Back System at (202) 452-2016 or Internet at www.ffiec.gov/hmda. (Item #010)
July 1999
Counties Located in Non-Metro Areas Listing: The listing shows all county codes in non-metro areas by state. The listing is not
available for years prior to 1996. Please refer to the HMDA Assistance Line Fax Back System at (202) 452-2016 or Internet at
www.ffiec.gov/hmda for the latest release of this listing.
Disclosure Statement: The Disclosure Statement summarizes mortgage and home improvement lending information from data that are
prepared yearly by individual institutions. For 1996 and years thereafter, a supplemental report discloses data for property located outside
of MSAs in which the institution has a home or branch office. 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. These data are not available prior to 1993 (see page 10).
Loan Application Records (LAR) and Transmittal Sheet (TS) Data: The LAR & TS data are collected by a financial institution as a
result of applications for, and originations and purchases of, home-purchase loans (including refinances) 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; the 1993 LARs data total
approximately 15.0 million records and 9,650 TSs; the 1994 LARs data total approximately 12.0 million records and 9,858 TSs; the 1995
LARs data total over 11.0 million records and 9,539 TSs; the 1996 LARs data total over 14.0 million records and 9,328 TSs; and the 1997
LARs data total over 16.0 million records and 7,925 TSs. The following should be noted:
• Data are 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 institution, 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 are multiple reels containing the LAR data and one reel containing the TS data. If cartridges are ordered, there
are several cartridges containing the LAR data and one containing the TS data. (The number of reels/cartridges containing LAR data vary
according to the year requested because of the volume of data.) Note that both reels and cartridges containing LAR data are multi-volume
datasets. This means that to process ALL of the LAR data, each of the reels or cartridges must be read successively.
LAR and TS data are also distributed on CD-ROM at a cost of $50.00. The HMDA Raw Data Software System moved from a DOSbased to a Windows-based application as of 1995. For 1997 and years thereafter, most of the Reporter Panel(Item #103) information
that can be ordered on tape (reel and cartridge) is included on the CD-ROM. However, if you wish to order all of the reporter panel data
elements on tape in one file, refer to Item #103.
The user has the ability to do the following:
• 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 with the fourth quarter of 1993. The 1993 MICA data are available at
a cost of $125 and are only available on reel or cartridge (see page 10).
MSA Aggregate Reports and Disclosure Statements on CD-ROM: The MSA Aggregate Reports and individual lender Disclosure
Statements for each MSA are available on CD-ROM at a cost of $150.00 for the entire nation. (Item #302)
The HMDA MSA Aggregate Reports and Disclosure Statements Software System moved from a DOS-based to a Windowsbased application as of 1996. The Software allows the user to search by MSA, an institution's individual disclosure statement, or a
specific table on the MSA aggregate report. Printing these records requires a printer featured for 166 character output.
July 1999
The MSA Aggregate Reports and Disclosure Statements on CD-ROM are also available for MICA data. These data are not available prior
to 1994 (see page 10).
MSA by MSA Report on the Disposition of Applications by Race and Income of Each Applicant: This report contains one table for
each of the MSAs. For years prior to 1996, the report provides the number and percentage of applications denied by the race and income
of the applicants within the MSA, where an institution has a home or branch office in that MSA. For 1996 and years thereafter, it provides
the number and percentage of applications denied by the race and income of the applicants within the MSA, regardless of whether the
institution has a home or branch office in that MSA. The report is available in hardcopy only at a cost of $50.00.(Item #006)
These reports are also available for MICA data. These data are not available prior to 1994 (see page 10).
MSA Median Family Income Listing: The listing shows “MSA Median Family Incomes for 19xx HMDA Reports” where xx is the
HMDA year (i.e. 1990, 1991, etc.). If a 1990 listing is selected, there is 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 subsequent listings,
the median family income of the MSA is 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. For 1996 and years thereafter, the listing includes median family incomes for non-metro areas by state. This information is
calculated by taking the median family incomes of all census tracts and BNAs by state outside of the MSA boundaries. Please refer to the
HMDA Assistance Line Fax Back System at (202) 452-2016 or Internet at www.ffiec.gov/hmda for the latest release of this listing.
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 data is now available on
the Internet beginning with 1998 data. Please refer to www.ffiec.gov/hmda for the latest release of this report. The charge for
hardcopy distribution is $50.00 (Item #005).
The National Aggregate Reports are also available for MICA data. These data are not available prior to 1993 (see page 10).
Reporter Directory: The Reporter Directory is a hardcopy of all HMDA reporters within a specified MSA, sorted by name of reporter
and then by state and county codes. This report provides the following information:
•
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 state and county codes;
the number of tracts with loans;
the number of loans originated;
the number of applications;
the ratio of loans to applications; and
the number of loans purchased
The charge for non-profit organizations is $45 per requested MSA and $75 per MSA for all others.(Item #007)
Reporter Panel: The Reporter Panel is the universe of all institutions that reported under HMDA. The panel information is taken from
the database at the same time that the final disclosure and aggregate reports are prepared for the Central Depositories. Beginning in 1997,
some of the panel data elements (the name of the institution, the Respondent ID and agency code, and the MSA number(s) of the
metropolitan areas for which they reported) are included on the LAR & TS Raw Data CD-ROM(Item #102).
If you prefer to obtain all of the Reporter Panel information, i.e., the same data elements found on the CD-ROM as well as the reporter’s
agency group code and parent information (if applicable), you can order the complete reporter panel information on reel or cartridge at a
cost of $150.00. A format description is also included with each order.(Item #103).
The Reporter Panel is also available for MICA data. (Note that the MICA data are not available prior to 1994--see page 10).
July 1999
Three-Report Package: This package of three reports is available in hardcopy only. The following information is provided for a
specified institution/MSA combination:
Report on Disposition of Loan Applications by Income and Race
• Compares applications by disposition and by income levels (as a percentage of the MSA median income-less than 80%, 80-99%, 100-120%, and more than 120%)
•
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 refinances
• Provides the number of applications received, the number of loans originated, and the number of 1-4 family owneroccupied units within each category of census tract characteristics.
Census Tract Summary
• Provides the number, dollar amounts, and disposition of applications for a specific institution/MSA by
census tracts
• For each census tract, the following are also provided:
-the median housing value
-the median age of the housing stock
-the median age of the population
-the minority population percentage
-the number of owner-occupied units
-the number of households
-the median income (adjusted)
-the denial rate
• Census tracts that are low- to moderate-income tracts are highlighted
The charge for non-profit organizations are priced at $45 per requested institution/MSA, and $75 per institution/MSA for all others. These
reports are ordered as a package, not separately. (Item #008)
July 1999
@FedFRASER