Action Taken Date

The settlement or closing date for originations. For applications that did not result in an origination, the date when the action was taken or when the notice was sent to the applicant is entered. For an application that was expressly withdrawn by the applicant, either the date shown on the applicant's letter or the date you received the letter or notice is reported. For loans that an institution purchased, the date of purchase is entered.

Action Taken Type

The disposition of the loan/application.

Activity Year

The year for which the HMDA data are being collected.

Agency Code

Code to identify the supervisory agency of the HMDA reporting institution. The codes for each agency are: 

1 - Office of the Comptroller of the Currency (OCC) 

2 - Federal Reserve System (FRS) 

3 - Federal Deposit Insurance Corporation (FDIC) 

4 - Office of Thrift Supervision (OTS) 

5 - National Credit Union Administration (NCUA) 

7 - Department of Housing and Urban Development (HUD) 

Applicant Race

Race or national origin of the applicant. 

This is reported for originated loans and for loan applications that do not result in an origination. Institutions may, but are not required to, report these data for purchased loans. 

"Not applicable" shall be used for loans/applications to businesses.

Applicant Sex

Gender of the applicant. 

This is reported for originated loans and for loan applications that do not result in an origination. Institutions may, but are not required to, report these data for loans that you purchase. 

"Not applicable" should be used for loans/applications to businesses. 

Application

HMDA defines an application

Application Received Date

The date the application was received or the date shown on the application form. 

For purchased loans, "NA" for not applicable is reported.

Census Tract

A Census Tract identifies a small, relatively permanent statistical subdivision of a county. Census Tract numbers range from 0001.00 to 9989.00 and are unique within a county.   

THERE IS A CENSUS TRACT FOR EVERY AREA OF THE UNITED STATES. 

Co-Applicant Race

Race or national origin of the Co-Applicant. 

This is reported for originated loans and for loan applications that do not result in an origination. Institutions may, but are not required to, report these data for loans that you purchase. 

If there is no Co-Applicant, the numerical code for not applicable is reported. Not applicable may also be used for loans/applications to businesses. 

Co-Applicant Sex

Gender of the Co-Applicant. 

This is reported for originated loans and for loan applications that do not result in an origination. If there is no Co-Applicant, the numerical code for not applicable is reported in that field. 

Institutions may, but are not required to, report these data for purchased loans. Not applicable may also be used for loans/applications to businesses. 

County Code

A 3-digit Federal Information Processing Standards (FIPS) code that identifies the county where the property is located.

Dwelling

Dwelling is residential structure whether or not attached to real property. Real property includes, but is not limited to, a detached home, an individual condominium or cooperative unit, a manufactured home or other factory-built home and one-to-four-family and multifamily structures. 

Recreational vehicles such as boats, trailers or campers are not dwellings under HMDA. 

Geocode

Geocode refers to the combination of MSA/state/county/census tract-BNA (for 2002 and previous) reported for a HMDA loan; the combination beginning with calendar year 2003 is MA/state/county/census tract. 

Gross Annual Income

The income reported is the total gross annual income an institution relied upon in making the credit decision.

"NA" is used when an institution does not take the applicant's income into account, if the loan/application is for a multifamily dwelling, or if an institution chooses to not collect this information for a purchased loan. 

"NA" is also used for loans to an institution's employees to protect their privacy, as well as for loans to businesses. 

Home Improvement Loan

A home improvement loan, as classified by the reporting institution, is a loan that will be used for repairing, rehabilitating, remodeling, or improving a dwelling or the real property on which it is located. 

Home improvement loans include secured and unsecured loans, and refinancing of home improvement loans. 

Home Purchase Loan

A home purchase loan is any loan secured by and made for the purpose of purchasing a dwelling.

Loan Application Number

A unique identifier (up to 25 characters long) that can be used to retrieve the particular loan/application to which the entry relates. 

It is recommended that institutions do not use applicants' names or social security numbers to ensure the privacy of the applicant or borrower. 

Loan Application Register (LAR)

A reporter submits their HMDA data using the loan application register. The FFIEC uses information provided on the loan/application registers to produce HMDA disclosure statements for each reporting institution, as well as aggregate tables for all covered lenders in each metropolitan area (MA). 

Loan Purpose

Indicates whether the purpose of the loan or application was for home purchase, home improvement, or refinancing. In addition, select multifamily dwelling regardless of the loan type for dwellings that are five-or-more families. 

Loan Type

Indicates whether the loan granted, applied for, or purchased was conventional, government-guaranteed, or government-insured.

Metropolitan Area (MA)

An area that contains a city with a population of at least 50,000, or contains an urbanized area with a population of 50,000 or more and has a total metropolitan population of at least 100,000 (75,000 in New England). 

This is a 4-digit code defined by the Office of Management and Budget. 

Those properties located outside of an MA should be coded as "NA" for not applicable. 

Occupancy

Indicates whether the property to which the loan application relates will be the borrower's principal dwelling. 

For multifamily dwellings (housing 5 or more families), and any dwellings located outside MAs, or in MAs where an institution does not have a home or branch offices, an institution may either enter the code for not applicable or the code for the actual occupancy status. 

Quality Edits

These edits verify the reasonableness of data. 

The letter 'Q' precedes the error numbers. A loan field marked by a quality edit must be confirmed for its correctness before the HMDA data can be exported to your regulator. 

Reasons for Denial

These optional fields identify why an application was not approved. As many as 3 reasons may be reported.

Refinancing

Refinancing means a loan transaction in which an existing mortgage, involving either a home purchase or a home improvement loan, is paid off and replaced by a new loan. 

Respondent ID

A 10-digit number used to identify a HMDA reporting institution. The number is assigned by each regulatory agency and is unique to each institution. The criteria for assigning IDs by each agency are as follows: 

FDIC - - Certificate Number

FRS - - NIC Number

HUD - - Tax Identification Number

NCUA - - Charter Number

OCC - - Charter Number 

OTS - - Docket Number 

Respondent Name

The name of the HMDA reporting institution. 

State

A 2-digit Federal Information Processing Standards (FIPS) code that identifies the state where the property is located.

Syntactical Edits

These edits verify the integrity of the data. 

Syntactical edits indicate that a part of the data is in error and must be revised. The letter 'S' precedes the error numbers. Syntactical edits must be corrected before the HMDA data can be exported to your regulator. 

Transmittal Sheet (TS)

The transmittal sheet is submitted with a reporter's data. The transmittal sheet includes the following information: 

• Reporter's HMDA ID
• Regulatory agency
• Reporter's tax ID
• Number of loans submitted
• HMDA activity year
• Name of reporting institution
• Address
• Contact name
• Telephone number
• Fax number

Type of Purchaser

This identifies the type of purchaser of all loans sold within a calendar year. 

If the loan was NOT sold or originated in the calendar year, then the Type of Purchaser code will indicate that the loan was not originated or was not sold in the calendar year HMDA. 

Validity Edits

Validity edits verify the accuracy of the data. Validity edits indicate that a part of the data is in error and must be revised. 

The letter "V" precedes the error numbers. Validity edits must be corrected before the HMDA data can be exported to your regulator.