Action Taken Date The settlement or closing date for originations. For applications that would not lead to an origination, the date if the action was taken or as soon as the notice ended up being delivered to the applicant is entered. For a credit card applicatoin which was expressly withdrawn because of the applicant, either the date shown regarding the applicant’s page or the date you received the letter or notice is reported. For loans that the institution bought, the date of purchase is ente

Task 12 months the season which is why the HMDA data are increasingly being gathered.

Agency Code Code to recognize the supervisory/regulatory agency of this HMDA reporting organization. The agency rule combined with respondent ID number may be the unique combination that identifies a certain organization. The codes for every single agency are:

1 – workplace for the Comptroller associated with Currency (OCC) 2 – Federal Reserve System (FRS) 3 – Federal Deposit Insurance Corporation (FDIC) 4 – Office of Thrift Supervision (OTS) 5 – nationwide Credit Union management (NCUA) 7 – Department of Housing and Urban developing (HUD) 9 – customer Financial Protection Bureau (CFPB)

OTS reporting of agency code four (4) just is applicable for decades 2010 and prior.

Applicant EthnicityEthnicity for the applicant. This really is reported for originated loans as well as for loan requests that don’t end in an origination. Institutions may, but are not essential to, report applicant ethnicity for bought loans. Once the applicant is certainly not a person that is naturala company, business or partnership, as an example) or once the applicant info is unavailable since the loan happens to be bought by the institution, the numerical rule for «not relevant» payday loans Delaware is reported.

Applicant Race Race for the applicant. This might be reported for originated loans as well as for loan requests that do not end up in an origination. Organizations may, but are maybe maybe not required to, report these data for bought loans. As soon as the applicant is certainly not a person that is naturala company, business or partnership, as an example) or as soon as the applicant info is unavailable due to the fact loan happens to be bought by the organization, the numerical rule for «not applicable» is reported.

Applicant Intercourse Intercourse of this applicant. This might be reported for originated loans as well as for loan requests that don’t lead to an origination. Organizations may, but they are maybe not required to, report these data for bought loans. Once the applicant is certainly not a person that is naturala business, company or partnership, as an example) or if the applicant info is unavailable since the loan happens to be bought by the organization, the numerical code for «not relevant» is reported.

Application Received Date The date the applying ended up being gotten or the date shown from the application form. For bought loans, «NA» for maybe maybe not applicable is reported.

Branch Office For banking institutions and thrifts, a branch office can be an office authorized as a branch by a supervisory agency. For credit unions, a branch workplace is any workplace where user records are founded or loans are formulated, set up workplace happens to be authorized as a branch with a federal or state agency. A branch workplace will not consist of offices of affiliates or loan brokers, workplaces of this organization where loan requests are only taken, or ATMs as well as other terminals that are electronic.

For home loan businesses along with other nondepository institutions, a branch workplace can be an workplace where in actuality the institution takes applications from the public for house purchase or do it yourself loans or refinancings. Those organizations are also thought to have a branch workplace in almost any MSA where, within the year that is preceding they received applications for, originated, or bought five or higher home purchase or do it yourself loans or refinancings (whether they had a real workplace here).

Census system A census tract is a little geographic area.

2010 Based Census Information (Years 2012 and ahead)

The FFIEC Census File now uses the 2006-2010 United states Community Survey (ACS) in most of the demographic industries, with chosen 2010 Census Overview File 1 tables employed for populace associated areas. This contrasts to past years when the FFIEC Census utilized Census 2000 Overview File 3 and Overview File 1 information once the basis for the file.

2000 Based Census Information (Years 2003-2011)

Census 2000 assigned census tract figures to all or any certain aspects of the U.S. plus some U.S. territories and possessions. Census tract figures are unique in just a county. Institutions are required to utilize census tract figures through the Census 2000 series starting with calendar 12 months 2003 information through season 2011 HMDA data.

Co-applicant EthnicityEthnicity associated with co-applicant. This can be reported for originated loans and for loan requests which do not lead to an origination. Organizations may, but they are perhaps not expected to, report ethnicity that is co-applicant bought loans. As soon as the co-applicant is certainly not a natural person (a business, organization or partnership, for instance) or as soon as the co-applicant info is unavailable due to the fact loan happens to be bought by the organization, the numerical rule for «not relevant» is reported. When there is no co-applicant, the code that is numerical «no co-applicant» is reported.

Co-applicant RaceRace associated with the co-applicant. It is reported for originated loans as well as loan requests that don’t end in an origination. Organizations may, but are maybe perhaps not required to, report race that is co-applicant purchased loans. Once the co-applicant just isn’t a person that is naturala company, firm or partnership, as an example) or as soon as the co-applicant info is unavailable because the loan was bought by the organization, the numerical rule for «not relevant» is reported. When there is no co-applicant, the code that is numerical «no co-applicant» is reported.

Co-applicant Intercourse Intercourse associated with co-applicant. This really is reported for originated loans as well as for loan requests that do not end up in an origination. Organizations may, but are maybe maybe not required to, report co-applicant sex for purchased loans. If the co-applicant is certainly not a person that is naturala company, company or partnership, as an example) or once the co-applicant info is unavailable as the loan happens to be bought by your organization, the numerical rule for «not relevant» is reported. When there is no co-applicant, the code that is numerical «no co-applicant» is reported.

County Code a FIPS that is three-digit Suggestions Processing Standards) rule that identifies the county where in actuality the home is situated.

Depository Institution a lender which makes loans and obtains its funds mainly through accepting deposits through the public; includes commercial banking institutions, cost cost savings and loan associations, savings banking institutions, and credit unions.

Dwelling Dwelling means any domestic structure, whether or perhaps not attached with property that is real. It offers holiday or 2nd houses and leasing properties; multifamily along with one-to-four-family structures; individual condominium and cooperative devices; and manufactured and mobile domiciles. It excludes vehicles that are recreational as ships and campers, and transitory residences such as for example resort hotels, hospitals, and university dormitories.