Variable Definitions

Reporting Year

HMDA filing year, ranging 2018–2024.

LEI (Filer, TS)

HMDA filer legal entity identifier (20-character alphanumeric, uppercase).

Tax ID (Filer, TS)

Ten-digit alphanumeric tax id for the HMDA filer.

Regulatory Agency Code (Filer, TS)

The regulatory agency with which the lender filed its HMDA data (generally their primary supervisor).

1=OCC
2=FRB
3=FDIC
5=NCUA
7=HUD
9=CFPB

Name (Filer, TS)

Name of filer (30-character alphanumeric).

Headquarters County (Filer, TS)

City of filer (25-character alphanumeric).

Headquarters State (Filer, TS)

Two-digit FIPS (GNIS) code of the state of the lender (e.g., 06=California).

Legacy Regulatory Agency Code

HMDA Agency code for the lender in their most recent filing 1990–2017 (same codes as CODE above).

Legacy HMDA Reporter ID

HMDA lender code (10-character alphanumeric with leading zeros and dashes) for their most recent filing 1990–2017. The variables CODE17 and HMPRID on the 2018–2024 files can be used as a crosswalk with LEI to follow filers from 2017 and earlier to 2018–2024.

Legacy Lender Sequence Number

Another index variable which can be used to track lenders between the Legacy 1990–2017 Lender file and the 2018–2024 version. SEQINS carries across years. Hence, if SEQINS is the same for filings in the 1990–2017 and 2018–2024 files, then it is deemed to be the same filer.

Small Lender Exemption Status as of 2018

Estimate of small lender exempt status for 2018 filing only:

1=provided data for all exempt variables but was not required to
2=provided data for all exempt variables and was required to
3=did not provide any exempt variables and was not required to
4=did not provide any exempt variables but should have
5=provide exempt variables only for first half year and was not required to
6=provide exempt variables only for first half year and was required to
7=mixed data on exempt variables and not required to file
8=mixed data on exempt variables and required to file

Institution Type (Filer, NIC)

Determined from self-identification on the HMDA filing as to the nature of the filer and from a match to the NIC structure database. A commercial bank is an institution with a charter code of 0 or 200. A noncommercial bank depository (thrift) has a charter code of 300, 310, 320, or 340. A credit union has a charter code of 330. Given for all filers:

10=commercial bank
11=commercial bank subsidiary
12=subsidiary of a bank or financial holding company
13=failed commercial bank with no successor (entity=0)
14=US branch of a foreign bank (entity is RSSD of the branch)
20=noncommercial bank depository (industrial bank, savings bank, savings and loan, cooperative bank)
21=noncommercial bank depository subsidiary
22=subsidiary of a thrift holding company
23=failed thrift institution with no successor (entity=0)
30=credit union
31=subsidiary of a credit union
32=credit union service company owned by three or more credit unions
33=failed credit union with no successor (entity=0)
40=independent mortgage bank
41=independent mortgage bank affiliated with a depository or subsidiary of a nonbank holding company which also has a bank subsidiary

RSSD ID (Filer, NIC)

Federal Reserve Board ENTITY number (RSSD9001) for the HMDA filer as provided by the FFIEC NIC system. For almost all depositories, this variable is the same as ENTITY below. The exceptions are institutions which are acquired during the reporting year. In this instance, RSSD will be the ID of the acquired institution and ENTITY the ID of the surviving institution at the end of the year. Also, RSSDHH (below) will be the regulatory high holder of the acquired institution and ORG the end-of-year high holder. For depository subsidiaries and HUD/CFPB filers RSSD is the ENTITY of the HMDA reporter. Users may check the National Information Center website to obtain the organizational hierarchy and history association with RSSD. In a few instances, RSSD will be zero because the filer is not in the NIC system.

Name (Filer, NIC)

Name of the institution RSSD as reported in NIC (30-character alphanumeric).

Entity Type (Filer, NIC)

ENTITY type for the HMDA filer RSSD as defined by the Federal Reserve NIC database (RSSD9346) for ENTITY. NA if RSSD=0.

AGI Agreement Corporation – Investment
BHC Bank Holding Company (domestic)
CPB Cooperative Bank
CSA Covered Savings Association
DEO Domestic Entity Other (nondepositories, includes mortgage co.)
FBH Bank Holding Company (foreign)
FBK Foreign Bank
FBO Foreign Banking Organization
FCU Federally Chartered Credit Union
FEO Foreign Entity Other (nondepository)
FSB Federal Chartered Savings Bank
FHD Financial Holding Company (domestic)
FHF Financial Holding Company (foreign)
FNC Finance Company
FSB Federal Chartered Savings Bank
IFB Insured Federal Chartered Branch of a Foreign Banking Organization
INB Internation Non-bank Subsidiary of Domestic Bank
ISB Insured State Chartered Branch of a Foreign Banking Organization
MTC Nondeposit Trust Company Member of Federal Reserve
NAT National (Federal) Chartered Commercial Bank
NMB State Chartered Commercial Bank not a Member of the Federal Reserve
SAL Savings & Loan Association
SBD Securities Broker/Dealer
SCU State Chartered Credit Union
SLH Savings and Loan Holding Company
SMB State Chartered Commercial Bank also a Member of the Federal Reserve
SSB State Chartered Savings Bank
UFB Uninsured Federal Chartered Branch of a Foreign Banking Organization
USA Uninsured State Chartered Agency of a Foreign Banking Organization
USB Uninsured State Chartered Branch of a Foreign Banking Organization

Charter Class (Filer, NIC)

This variable represents the institution charter class for ENTITY as shown in the NIC database for December 31 of the filing year (RSSD9048).

0=Unknown (generally a foreign bank branch)
110=Government Entity (Farm or Ag Credit)
200=Commercial Bank
300=Savings Bank
310=Savings & Loan Association
320=Cooperative Bank
330=Credit Union
340=Industrial Bank (includes thrift & loan and Morris Plan banks)
370=Corporate Credit Union
400=Edge or Agreement Corporation
500=Non-ESOP Holding Company (domestic, foreign, or S&L)
550=Insurance Company/agent/broker
610= Employee Stock Ownership Plan/Trust (ESOP/ESOT)
700=Securities Company Dealer/Broker
710=Utility or Electric company
720=Other Nondepository (includes mortgage companies)

Headquarters City (Filer, NIC)

City of the headquarters of the HMDA filer RSSD according to NIC records (25-character alphanumeric). NA if RSSD=0.

Headquarters State (Filer, NIC)

Two-digit FIPS code of the state of the headquarters of the HMDA filer RSSD according to NIC records. NA if RSSD=0.

Headquarters Couty (Filer, NIC)

Three-digit FIPS code of the county of the headquarters of the HMDA filer RSSD according to NIC records. NA if RSSD=0.

Tax ID (Filer, NIC)

Ten-digit alphanumeric tax-id for the HMDA filer as reported in NIC. NA if RSSD=0.

LEI Corresponding (Filer, NIC)

LEI for the HMDA filer as reported in NIC. NA if RSSD=0.

RSSD ID (Parent, NIC)

Federal Reserve Board ENTITY number (RSSD9001) for the direct parent of the HMDA filer, as provided by NIC. If RSSDP is zero, then the filer has no parent, or the direct parent is unknown.

Name (Parent, NIC)

Name of the institution RSSDP as reported in NIC (18-character alphanumeric).

RSSD ID (High Holder, NIC)

Federal Reserve Board ENTITY number (RSSD9001) for the regulatory high holder of the HMDA filer as provided in NIC. If RSSDHH is zero, then the filer has no parent. For most depositories, RSSDHH will be the same as ORG below.

Name (High Holder, NIC)

Name of the institution RSSDHH as reported in NIC (18-character alphanumeric).

Entity Number (CRA Institution)

Federal Reserve Board ENTITY number (RSSD9001) for the institution associated with the filer most likely to be subject to CRA compliance. If the filer is a commercial bank, thrift, credit union, or the subsidiary of one, it is the ENTITY of the depository. For subsidiaries of holding companies, it is the ENTITY number of the lead bank (or thrift) in the holding company. The matched institution must have existed on December 31 of the filing year. If the institution merged into another institution before the end of the filing year but still filed under the old ID, then ENTITY will be the ENTITY number of the acquiring institution. For independent mortgage banks, ENTITY is set to zero unless additional information indicates that the mortgage bank is a subsidiary or affiliate of a commercial bank, thrift, or credit union. Comparable rules are applied to credit unions even though they are not subject to the CRA. All variables in this section are missing if ENTITY=0.

Name (CRA Institution)

Name of the institution ENTITY as reported in NIC (30-character alphanumeric).

Entity Type (CRA Institution)

ENTITY type as defined by the Federal Reserve NIC database (RSSD9346) for ENTITY. Same codes as FORER above.

Headquarters City (CRA Institution)

City of the headquarters of the institution ENTITY according to NIC records (25-character alphanumeric).

Headquarters State (CRA Institution)

Two-digit FIPS code of the state of the headquarters of the institution ENTITY according to NIC records.

Headquarters County (CRA Institution)

Three-digit FIPS code of the county of the headquarters of the institution ENTITY according to NIC records.

Deposit Insurance Code (CRA Institution)

Deposit insurance code for ENTITY as shown in the NIC database for December 31 of the filing year.

0=no deposit insurance
3=NCUSIF (National Credit Union Share Insurance Fund)
5=Other insurance (e.g., Puerto Rico)
7=FDIC insured (DIF)

Minority- or Women-Owned Bank Flag (CRA Institution)

Majority-owned by minorities or women. Given for all commercial banks and thrifts with ENTITY. From the NIC database.

0=not majority-owned by minorities or women
1=Black-owned
5=Women-owned
10=Hispanic-owned
20=Asian-owned
30/31/33=Native American-owned

FDIC Certificate Number (CRA Institution)

Zero for all institutions which are not insured.

Comptroller of the Currency (OCC) Charter Number (CRA Institution)

Given for all national banks. Zero otherwise.

Thrift ID Number (CRA Institution)

Given for all institutions that are members of the Home Loan Bank system. Zero otherwise.

Credit Union ID Number (CRA Institution)

Given for all credit unions except state credit unions in Puerto Rico. Zero otherwise.

Foreign Bank Payment Group Number (CRA Institution)

Corresponds to RSSD9360. Assigned to commercial banks that are common subsidiaries of a foreign bank although not necessarily part of the same US bank holding company. Zero otherwise.

Commercial Bank Holding Company Number (CRA Institution)

The number given is the regulatory high holder assigned to ENTITY (RSSD9348). Zero if the institution is not part of a bank holding company.

Thrift Holding Company Number (CRA Institution)

Zero if the institution is not part of a thrift holding company.

Assets in Reporting Year (CRA Institution)

Total assets of the institution ENTITY in $1,000s as reported in Call Reports as of December 31 of the reporting year.

Assets in Previous Reporting Year (CRA Institution)

Total assets of the institution ENTITY in $1,000s as reported in Call Reports as of December 31 of the previous reporting year.

CRA Institution Type (CRA Institution)

A variable indicating whether the HMDA filer is classified as a wholesale institution, limited-purpose, or strategic plan institution for CRA purposes during the specific filing year. Based on ENTITY. This only applies to commercial banks and thrifts and is a designation that the institution specifically has to have asked for.

0=none
1=CRA wholesale institution
2=CRA limited-purpose institution
3=CRA strategic plan institution

CRA Exam Date (CRA Institution)

A variable indicating the date of the completion of the most recent CRA examination as of each filing year. Based on ENTITY and not given for credit unions. The exam is allowed to extend 3 months into the next calendar year (e.g., until April 1, 2025, for 2024 filers). The exam must be within 5 years of the HMDA filing year. A value of zero means no exam met these requirements.

CRA Exam Rating (CRA Institution)

Assigned CRA rating for ENTITY in the most recent exam.

0=none
1=Outstanding
2=Satisfactory
3=Needs to improve
4=Substantial noncompliance

CRA Exam Method (CRA Institution)

Exam method for ENTITY for the most recent CRA exam.

1=Large bank
2=Small bank
3=Strategic Plan
4=Wholesale/Limited-Purpose
6=Assessment Factor
7=Not reported

Federal Home Loan Bank (CRA Institution)

A variable indicating the number of the Federal Home Loan Bank if the HMDA filer is a member at the end of year. Based on ENTITY.

1=Boston
2=New York
3=Pittsburgh
4=Atlanta
5=Cincinnati
6=Indianapolis
7=Chicago
8=Des Moines
9=Dallas
10=Topeka
11=San Francisco
12=Seattle (merged with Des Moines in 2015)

Federal Home Loan Bank ID (CRA Institution)

Home Loan Bank System ID if the HMDA filer is a member at the end of year. Based on ENTITY.

Organization ID

A unique id number created to group HMDA filers into an organization of common ownership based on the filer’s status as of the end of the filing year. For most filers, ORG will be the regulatory high holder (RSSDHH above) or, if the institution has no parent, ORG will equal RSSD. In a small number of cases, such as when an institution merged during the filing year, ORG will be the FRB RSSD number of the high holder at the end of the year. In some cases where RSSD=0 and the filer is not in NIC, its ORG will be assigned an arbitrary negative number (generally the negative of SEQINS+20000). This number will be constant over time. If it is determined that two HMDA filers where RSSD=0 are affiliated, they will be assigned the same ORG value (generally the negative of SEQINS+20000 of the oldest filer).

Name (Organization)

Name of the organization ORG. If an organization hierarchy cannot be determined (generally independent mortgage banks where ORG is negative), then NAMEOR is set to "UNKNOWN". Otherwise, it is the name of ORG as reported in NIC.

Entity Type (Organization)

ENTITY type for ORG as defined by the Federal Reserve NIC database (RSSD9346). Same codes as FORE above. Set to "DEO" if ORG is not in NIC.

Charter Class (Organization)

The variable represents the charter class for ORG as shown in the NIC database for December 31 of the filing year (RSSD9048). Same codes as CHARTR above. Set to 720 if ORG is not in NIC.

Assets in Reporting Year (Organization)

Total assets of the organization ORG in $1,000s as reported in Call Reports as of December 31 of the reporting year. For holding companies, it is the sum of the bank and thrift assets for those in the holding company.

Real Estate Mortgages (Organization)

Total stock of 1–4 family real estate mortgages of ORG in $1,000s as reported in Call Reports as of December 31 of the reporting year. For holding companies, it is the sum of the bank and thrift real estate mortgage dollars for those institutions in the holding company.

LAR Records

Total count of records for the filer in the most up-to-date LAR (applies to all variables in this section except LARSNAP).

LAR Records in Snapshot

Total count of records for the filer in the original “Snapshot” posting.

Purchased Loans

Total number of purchased loans in the filing year in the LAR (action-taken code of 6).

Average Size of Purchased Loans

Average dollar size (in $1,000s) of purchased loans in the filing year in the LAR.

Loan Applications

Total number of loan applications in the filing year in the LAR (any action-taken code except 6). Includes requests for preapprovals in 2004 or later.

Average Size of Loan Applications

Average dollar size (in $1,000s) of loan applications in the filing year in the LAR.

Loan Applications from Minorities

Total number of loan applications in the filing year in the LAR from minorities (race of the applicant or coapplicant is coded 1, 2, 3, or 4, or applicant or coapplicant is of Hispanic ethnicity). It also includes any loan where the derived race or ethnicity of the applicant or coapplicant indicates the borrower is a minority.

Average Size of Loan Applications from Minorities

Average dollar size (in $1,000s) of loan applications in the filing year in the LAR from minorities.

Loans Originated

Total number of loan originations in the filing year in the LAR (action-taken code of 1).

Average Size of Loans Originated

Average dollar size (in $1,000s) of loan originations in the filing year in the LAR.

Loans Originated to Minorities

Total number of loan originations in the filing year in the LAR to minorities.

Average Size of Loans Originated to Minorities

Average dollar size (in $1,000s) of loan originations in the filing year in the LAR to minorities.

Applications for First-Lien, Closed-End Loans

Total number of applications for first-lien, closed-end, nonbusiness, nonreverse annuity, nonmultifamily loan originations in the filing year in the LAR. This loan category is the one which can be tracked most consistently over time with HMDA data. Multifamily loans have been identifiable in HMDA since 1990 and lien status since 2004. New reporting requirements instituted in 2018, however, greatly expanded HMDA coverage of open-ended, business, and reverse annuity mortgages. Most of these loans would not have been reported in earlier years.

Average Size of Applications for First-Lien, Closed-End Loans

Average dollar size (in $1,000s) of applications for first lien, closed-end, nonbusiness, nonreverse annuity, nonmultifamily loan originations in the filing year in the LAR.

Applications for First-Lien, Closed-End Loans from Minorities

Total number of applications for first-lien, closed-end, nonbusiness, nonreverse annuity, nonmultifamily loan originations in the filing year in the LAR from minorities.

Average Size of Applications for First-Lien, Closed-End Loans from Minorities

Average dollar size (in $1,000s) of applications for first-lien, closed-end, nonbusiness, nonreverse annuity, nonmultifamily loan originations in the filing year in the LAR from minorities.

First-Lien, Closed-End Loans Originated

Total number of first-lien, closed-end, nonbusiness, nonreverse annuity, nonmultifamily loan originations in the filing year in the LAR.

Average Size of First-Lien, Closed-End Loans Originated

Average dollar size (in $1,000s) of first-lien, closed-end, nonbusiness, nonreverse annuity, nonmultifamily loan originations in the filing year in the LAR.

First-Lien, Closed-End Loans Originated to Minorities

Total number of first-lien, closed-end, nonbusiness, nonreverse annuity, nonmultifamily loan originations in the filing year in the LAR to minorities.

Average Size of First-Lien, Closed-End Loans Originated to Minorities

Average dollar size (in $1,000s) of first-lien, closed-end, nonbusiness, nonreverse annuity, nonmultifamily loan originations in the filing year in the LAR to minorities.

Entity Number in Next Year

Federal Reserve Board ENTITY number (RSSD9001) applying to the HMDA filer in the year following. Thus, for example, ENTFUT is the ENTITY number applying to the 2019 institution ENTITY on December 31, 2020. This variable can be used to follow institutions that merge into other institutions. Thus, for example, if in 2019, the HMDA filer was part of ENTITY 123456, and in July of 2020 ENTITY 123456 was merged into ENTITY 78910 and disappeared, then the value of ENTITY in 2019 would be 123456 and ENTFUT would be 78910. Since the ENTITY 123456 was acquired, it is likely that the HMDA filer would not file in 2020. If ENTFUT is 0, then it implies that the ENTITY was liquidated. Information for the mergers is taken from the Federal Reserve NIC system. This variable can be used to follow HMDA filers. For example, if one wanted to combine two years of data for institution 78910 for 2019 and 2020: Data for 2019 should be all filers with ENTITY=78910 in 2020. Data for 2019 would be all filers where ENTFUT=78910 in 2019. ENTFUT is blank for the latest filing year (2024).

Organization ID in Next Year

Organization code number (ORG) applying to the HMDA filer in the year following. This variable is similar to ENTFUT, except it traces ORG rather than ENTITY. If ORGFUT is blank, then the organization did not exist in the year following. Note that the ORG numbering system can change from year to year (although normally, it does not). Thus, it is possible that ORG and ORGFUT could have different numbers and still represent the same organization (if, for example, the bank holding company number changed). ORGFUT is blank for the latest filing year (2024). Ultimately, this will be added for 2024 lenders when the 2025 HMDA file is released.

Ginnie Mae Servicing Number

Ginnie Mae servicing number applicable to the HMDA filer or their parent or organization. Derived from the Ginnie Mae approved active Issuers Directory as of May 1, 2025. Can be used to link to Ginnie Mae loan data. In the case of multiple IDs, it is matched to RSSD first, ORG second, and ENTITY or RSSDP last.