Abstract (en): The Home Mortgage Disclosure Act (HMDA): Loan Application Register (LAR) and Transmittal Sheet (TS) Raw Data, 2011 contains information collected in calendar year 2010. The HMDA, enacted by Congress in 1975, requires most mortgage lenders located in metropolitan areas to report data about their housing-related lending activity. The HMDA data were collected from 7,923 lending institutions and cover approximately 16.3 million home purchase and home improvement loans and refinancings, including loan originations, loan purchases, and applications that were denied, incomplete, or withdrawn. The Private Mortgage Insurance Companies (PMIC) data refer to applications for mortgage insurance to insure home purchase mortgages and to insure mortgages to refinance existing obligations. Part 1, HMDA Transmittal Sheet (TS), and Part 4, PMIC Transmittal Sheet (TS), include information submitted by reporting institutions with the Loan Application Register (LAR), such as the reporting institution's name, address, and Tax ID. Part 2, HMDA Reporter Panel, and Part 5, PMIC Reporter Panel, contain information on all institutions that reported data for activity year 2010. Part 3, HMDA MSA Offices, and Part 6, PMIC MSA Offices, contain information on all metropolitan statistical areas in the data. Parts 7 through 799 contain HMDA and PMIC Loan Application Register (LAR) files at the national level, at the agency level, and by MSA/MD. With some exceptions, for each transaction the institution reported data about the loan (or application), such as the type and amount of the loan made (or applied for) and, in limited circumstances, its price, the disposition of the application, such as whether it was denied or resulted in an origination of a loan, the property to which the loan relates, such as its type (single-family versus multi-family), and location (including the census tract), the sale of the loan, if it was sold, and the applicant's and co-applicant's ethnicity, race, sex, and income. The data are not weighted and do not contain any weight variables. ICPSR data undergo a confidentiality review and are altered when necessary to limit the risk of disclosure. ICPSR also routinely creates ready-to-go data files along with setups in the major statistical software formats as well as standard codebooks to accompany the data. In addition to these procedures, ICPSR performed the following processing steps for this data collection: Created variable labels and/or value labels.; Checked for undocumented or out-of-range codes.. Home purchase and home improvement loans and refinancings (or applications) lended or insured by financial institutions in the United States that were required to report HMDA data in 2011. Smallest Geographic Unit: city HMDA data were collected from 7,923 depository and nondepository institutions that were required to report HMDA data if they met the law's criteria for coverage. Generally, whether a lender is covered by HMDA depended on the lender's asset size, its location, and whether it is in the business of residential mortgage lending. PMIC data were collected from eight mortgage insurance companies that insured home purchase mortgages and to insure mortgages to refinance existing obligations. For more information about how respondents reported, please refer to A Guide to HMDA Reporting. 2016-07-25 The study title and collection dates have been revised to reflect the 2010 activity year, with data reported in 2011. Filesets 1 through 6 have also been replaced to correct the study year. For datasets 7 through 799, ICPSR is releasing the original deposited data files in the condition they were received, along with SPSS, Stata, and SAS setup files. Additional information about the HMDA can be found at the Home Mortgage Disclosure Act Web site. A glossary of terms used in the data can be found at Home Mortgage Disclosure Act Glossary.

The U.S. Department of Housing and Urban Development (HUD) periodically produce its HUD Subprime and Manufactured home Lender List for the lenders who specialize in either subprime or manufactured home lending, even though beginning with 2004 HMDA reporting, lenders are required to identify loans for manufactured housing and loans in which the APR on the loan exceeds a comparable Treasury APR. The HUD Subprime and Manufactured home Lender List contains the names of those lenders, their agency codes, and lender identification numbers. The agency code and lender identification numbers should be used to link to the individual HMDA loan application records (LARS). The file also contains a concatenated field, IDD, which is a combination of the agency code and lender identification number. The HUD Subprime and Manufactured home Lender List has annually been updated and revised in response to feedback from lenders, policy analysts, housing advocacy groups, and other users of the list. HUD deletes lenders and adds others based on that feedback.

This layer was developed by the Research & Analytics Group of the Atlanta Regional Commission, using Home Mortgage Disclosure Act (HMDA) data to show mortgage loan applications, originations, denials, and amounts, for 2016, by census tract in the Atlanta Region.

Attributes:

GEOID10 = 2010 Census tract identifier (combination of FIPS codes for state, county, and tract)

County = County identifier (combination of Federal Information Processing Series (FIPS) codes for state and county)

Area_Name = 2010 Census tract number and county name

Total_Population_ACS_2016 = # Total population estimate, 2016 (American Community Survey)

Total_Population_ACS_MOE_2016 = # Total population estimate (Margin of Error), 2016 (American Community Survey)

Planning_Region = Planning region designation for ARC purposes

AcresLand = Land area within the tract (in acres)

AcresWater = Water area within the tract (in acres)

AcresTotal = Total area within the tract (in acres)

SqMi_Land = Land area within the tract (in square miles)

SqMi_Water = Water area within the tract (in square miles)

SqMi_Total = Total area within the tract (in square miles)

TRACTCE10 = Census tract Federal Information Processing Series (FIPS) code. Census tracts are identified by an up to four-digit integer number and may have an optional two-digit suffix; for example 1457.02 or 23. The census tract codes consist of six digits with an implied decimal between the fourth and fifth digit corresponding to the basic census tract number but with leading zeroes and trailing zeroes for census tracts without a suffix. The tract number examples above would have codes of 145702 and 002300, respectively.

CountyName = County Name

ALL_LOAN_APPS_2016 = All Loan Applications, 2016

ALL_LOAN_ORIG_2016 = All Loan Originations, 2016

ALL_LOAN_DENIALS_2016 = All Loan Denials, 2016

HOME_PURCH_LOAN_APPS_2016 = Home Purchase Loan Applications, 2016

HOME_PURCH_LOAN_ORIG_2016 = Home Purchase Loan Originations, 2016

HOME_PURCH_LOAN_DENIALS_2016 = Home Purchase Loan Denials, 2016

HOME_REFI_LOAN_APPS_2016 = Home Refinancing Loan Applications, 2016

HOME_REFI_LOAN_ORIG_2016 = Home Refinancing Loan Originations, 2016

HOME_REFI_LOAN_DENIALS_2016 = Home Refinancing Loan Denials, 2016

MED_AMT_LOAN_APLD_1K = Median Amount of Loan Applied for, $1k, 2016

MED_AMT_LOAN_ORIG_1K = Median Amount of Loan Originated, $1k, 2016

MED_AMT_LOAN_DEND_1K = Median Amount of Loan Denied, $1k, 2016

MED_AMT_HOME_PURCH_LOAN_APLD_1K = Median Amount of Home Purchase Loan Applied for, $1k, 2016

MED_AMT_HOME_PURCH_LOAN_ORIG_1K = Median Amount of Home Purchase Loan Originated, $1k, 2016

MED_AMT_HOME_PURCH_LOAN_DEND_1K = Median Amount of Home Purchase Loan Denied, $1k, 2016

MED_AMT_HOME_REFI_LOAN_APLD_1K = Median Amount of Home Refinancing Loan Applied for, $1k, 2016

MED_AMT_HOME_REFI_LOAN_ORIG_1K = Median Amount of Home Refinancing Loan Originated, $1k, 2016

MED_AMT_HOME_REFI_LOAN_DEND_1K = Median Amount of Home Refinancing Loan Denied, $1k, 2016

MED_INCOME_FOR_LOAN_APLD_1K = Median Applicant Income for Loan Applied for, $1k, 2016

MED_INCOME_FOR_LOAN_ORIG_1K = Median Applicant Income for Loan Originated, $1k, 2016

MED_INCOME_FOR_LOAN_DEND_1K = Median Applicant Income for Loan Denied, $1k, 2016

MED_INCOME_PURCH_LOAN_APLD_1K = Median Applicant Income for Home Purchase Loan Applied for, $1k, 2016

MED_INCOME_PURCH_LOAN_ORIG_1K = Median Applicant Income for Home Purchase Loan Originated, $1k, 2016

MED_INCOME_PURCH_LOAN_DEND_1K = Median Applicant Income for Home Purchase Loan Denied, $1k, 2016

MED_INCOME_REFI_LOAN_APLD_1K = Median Applicant Income for Home Refinancing Loan Applied for, $1k, 2016

MED_INCOME_REFI_LOAN_ORIG_1K = Median Applicant Income for Home Refinancing Loan Originated, $1k, 2016

MED_INCOME_REFI_LOAN_DEND_1K = Median Applicant Income for Home Refinancing Loan Denied, $1k, 2016

LOANS_ORIG_PER_SQ_MI_2016 = Loans Originated per Square Mile, 2016

HOME_PURCH_LOANS_ORIG_SQMI_2016 = Loans Originated for Home Purchase per Square Mile, 2016

HOME_REFI_LOANS_ORIG_SQMI_2016 = Loans Originated for Home Refinancing per Square Mile, 2016

PCT_LOAN_APPS_ORIG_2016 = % of Loan Applications Originated, 2016

PCT_HOME_PURCH_LN_APPS_ORG_2016 = % of Home Purchase Loan Applications Originated, 2016

PCT_HOME_REFI_LN_APPS_ORG_2016 = % of Home Refinancing Loan Applications Originated, 2016

Chg_Loans_Orig_2012_16 = Change in Loan Originations, 2012-2016

Chg_Purch_Loans_Orig_2012_16 = Change in Loan Originations for Home Purchase, 2012-2016

Chg_Refi_Loans_Orig_2012_16 = Change in Loan Originations for Home Refinancing, 2012-2016

Chg_Loans_Orig_SqMi_2012_16 = Change in Loans Originated per Square Mile, 2012-2016

Chg_PurLoans_Orig_SqMi_2012_16 = Change in Loans Originated for Home Purchase per Square Mile, 2012-2016

Chg_RefLoans_Orig_SqMi_2012_16 = Change in Loans Originated for Home Refinancing per Square Mile, 2012-2016

ChgPct_Loan_Apps_Orig_2012_16 = Change in % of Loan Applications Originated, 2012-2016

ChgPct_PurLoan_AppsOrig_2012_16 = Change in % of Home Purchase Loan Applications Originated, 2012-2016

ChgPct_RefLoan_AppsOrig_2012_16 = Change in % of Home Refinancing Loan Applications Originated, 2012-2016

Chg_Loans_Orig_2015_16 = Change in Loan Originations, 2015-2016

Chg_Purch_Loans_Orig_2015_16 = Change in Loan Originations for Home Purchase, 2015-2016

Chg_Refi_Loans_Orig_2015_16 = Change in Loan Originations for Home Refinancing, 2015-2016

Chg_Loans_Orig_SqMi_2015_16 = Change in Loans Originated per Square Mile, 2015-2016

Chg_PurLoans_Orig_SqMi_2015_16 = Change in Loans Originated for Home Purchase per Square Mile, 2015-2016

Chg_RefLoans_Orig_SqMi_2015_16 = Change in Loans Originated for Home Refinancing per Square Mile, 2015-2016

ChgPct_Loan_Apps_Orig_2015_16 = Change in % of Loan Applications Originated, 2015-2016

ChgPct_PurLoan_AppsOrig_2015_16 = Change in % of Home Purchase Loan Applications Originated, 2015-2016

ChgPct_RefLoan_AppsOrig_2015_16 = Change in % of Home Refinancing Loan Applications Originated, 2015-2016

last_edited_date = Last date the feature was edited by ARC

Source: Home Mortgage Disclosure Act (HMDA), Atlanta Regional Commission

Date: 2016

For additional information, please visit the Atlanta Regional Commission at www.atlantaregional.com.