U.S. Department of Housing and Urban Development Washington, D.C. 20410-8000 February 13, 1995 OFFICE OF THE ASSISTANT SECRETARY TI-430 FOR HOUSING-FEDERAL HOUSING COMMISSIONER TO: ALL NONSUPERVISED TITLE I LENDING INSTITUTIONS AND OTHER NONDEPOSITORY LENDING INSTITUTIONS SUBJECT TO HMDA REPORTING SUBJECT: Home Mortgage Disclosure Act (HMDA) Update This letter is to clarify the Home Mortgage Disclosure Act (HMDA) reporting requirements and to remind recently approved Title I lenders and loan correspondents of their reporting responsibilities. Please be advised that the deadline is March 1, 1995 for submission of calendar year 1994 reports. Attached are some materials which may be helpful to you: (1) a flow chart of coverage criteria for nondepository lending institutions; (2) reporting responsibilities for loan correspondents and brokers; (3) tips on reporting your HMDA data; and (4) a copy of the latest HMDA Guide. Each time you send your HMDA report to the Department -- either your initial submission or corrections -- you should receive an error report reflecting your status after your latest submission is processed. If you do not receive this feedback within a reasonable amount of time, you should view this as reason to be concerned that your report may not have reached us. WHO MUST REPORT Please refer to Attachment 1, Coverage Criteria for Nondepository Lending Institutions, and Attachment 2, Reporting Responsibilities for Loan Correspondents and Brokers. If you are a loan correspondent or loan broker, it is important to note that only those applications for which your company made the credit decision must be considered when interpreting the coverage criteria. If you did not make the credit decision on any loans at all, except for denials that you did not send forward to your sponsoring lender, then you did not meet the 100-loan "origination" threshold for HMDA. However, you are required to report those withdrawals/denials that were FHA applications to HUD. Clarification for 1994: Denials do not count towards the 100-loan origination threshold. 2 Some lenders thought that they did not have to report in 1993 because they had less than $10 million in assets. Effective January 1993, even if your assets are less than $10 million, you are required to report if you made the credit decision on 100 or more originations of home purchase loans (including refinancings of home purchase loans), assuming you meet the other coverage criteria. Further, if your institution meets all the conditions in the coverage criteria, you must report all mortgage activity -- including FHA, VA, conventional and FmHA -- not just FHA activity. If you are exempt from HMDA Regulation C, then you must report to HUD any FHA activity on which you made the credit decision. If you are a loan correspondent that does not make credit decisions, your sponsor bears the reporting responsibility for FHA activity. If you are required to report to a regulator other than HUD, please do not report to HUD as well; this results in duplicate reporting. Finally, if you find that your reporting status for 1994 is different from the way you reported for the 1993 cycle, please call the HMDA Hotline (202-755-7530) right away so that we may change your reporting panel classification for 1994. For example, if you reported only FHA activity for 1993 but are required to report all activity for 1994, or vice versa, we need to change your status. If you reported in 1993 and determine that you are exempt for 1994, we need to know that as well. WHAT TO REPORT Report all applications for home purchase and home improvement loans (including refinancings of both) for which action was taken -- originated, denied, withdrawn, etc. -- during the calendar year covered by the current register, plus all loans that you purchased during that period. Data are to be collected for both 1- to 4-family and multifamily (5-family or more) properties. Include applications that were received in the previous calendar year but were acted upon during the calendar year covered by the current register. Please do not report applications that were still pending at the end of the calendar year. Such cases increase your error count and subsequently have to be deleted, by you, from our HMDA database. Title I lenders and loan correspondents that have no activity to report should submit a negative report in the form of a completed and signed Transmittal Sheet, along with the notation "Negative Report" either on the Transmittal Sheet itself or as an attached note. CHANGE IN 1995 PROCESSING SCHEDULE The HMDA subcommittee has made a change in the 1995 processing schedule for 1994 data. To move up the deadline for delivering the data to the central depositories throughout the country, the two-week period for institutions to review and change the preliminary disclosure statements has been eliminated. However, your institution will have the opportunity of reviewing your data via the Institution Register Summary (IRS) which we will begin generating to accompany each error report. Our final delivery 3 of all data to the Federal Reserve Board is scheduled for May 24th; therefore, all corrections have to be received at HUD at least one week prior to that date to allow time for processing. Any subsequent corrections will not be reflected in your disclosure report nor in any of the products released to the public. ADMINISTRATIVE SANCTIONS Due to the importance of accurate and timely submission of HMDA data, a violation of HMDA reporting requirements is subject to administrative sanctions, including the imposition of civil money penalties, where applicable. An unreported, inaccurate or late HMDA data submission constitutes such a violation. HUD's Mortgagee Review Board has imposed such penalties for noncompliance. 1994 HMDA SOFTWARE By now, you should have received the 1994 HMDA Software which was mailed to our HUD reporters in January. If you do not have the software and would like to obtain it, you can request it by calling the HMDA Hotline. Please note that earlier versions of the software must not be used for the 1994 data due to revised geographic boundaries (see below). NEW METROPOLITAN STATISTICAL AREA (MSA) DESIGNATIONS Beginning January 1, 1994, HMDA reporters are required to use the current metropolitan statistical area (MSA) designations as revised by the Office of Management and Budget on June 30, 1993. The 1994 HMDA software provided by the Department contains these new designations and will edit your records accordingly. If you use some other automated system to compile your data, please ensure that you are using the proper geographic codes. It is the responsibility of the lending institution to obtain all materials needed to determine the MSA, State and county codes and the census tract numbers. The HMDA Guide (Attachment 4) lists the sources of geographic information and where to obtain them. Another alternative is to procure the services of a private vendor who can geocode your data or provide you with a system which conforms to the specific reporting requirements of HMDA. AUTOMATION All lending institutions are strongly encouraged to automate the data collection and reporting process. If you report more than 100 application and loan entries, you are expected to submit the data in machine-readable form. To facilitate automated reporting, the Department provides PC software, free of charge, for use by institutions that have not acquired or developed their own system. 4 LOAN AMOUNT AND INCOME Please take care to report both Loan Amount and Annual Income rounded to the nearest thousand, as instructed. For example, a loan amount of $98,500 should be reported as "00099", not "98500". The latter translates to $98,500,000. Similarly, an annual income of $59,850 should be reported as "0060". PREQUALIFICATION PROGRAMS The Federal Reserve Board recently determined that lenders are not to include data about prequalifications in HMDA Loan/Application Registers for calendar years 1994 or 1995. If data about prequalifications are or have been collected under your data collection system, you are asked to remove these entries before submission, but only if you can easily do so. AMENDMENTS TO REGULATION C The Federal Reserve Board is in the process of publishing amendments to Regulation C which will soon be available. Compliance with these amendments will be mandatory for the collection of data that begins January 1, 1996, to be submitted to supervisory agencies no later than March 1, 1997. Institutions may comply with the amendments at their option beginning January 1, 1995. Sincerely yours, Nicolas P. Retsinas Assistant Secretary for Housing - Federal Housing Commissioner Attachments *** CHANGE OF ADDRESS/PHONE *** The HMDA Processing Group recently moved to new quarters and the new Hotline number is 202-755-7530. Please note the two addresses listed below. When using one of the express (person-to-person) deliveries, the courier address is to be used, and when using regular postal service, the mailing address is required. This is very important to avoid loss or misrouting of your report. Courier Address: Department of Housing & Urban Development Housing - Information Systems Div., HFEI ATTN: HMDA Processing 470 L'Enfant Plaza East, Suite 3119 Washington, DC 20024 Mailing Address: Department of Housing & Urban Development Housing - Information Systems Div., HFEI ATTN: HMDA Processing 451 Seventh Street, S.W., Room B-133 Washington, DC 20410-8000 Attachment 1 ___________________________________________________________________________ Coverage Criteria for Non-Depository Mortgage Lending Institutions ******************************************************************** * * * * * * * * * * * * * * * * * * * GRAPHICS MATERIAL IN ORIGINAL DOCUMENT OMITTED * * * * * * * * * * * * * * * * * * * ******************************************************************** ___________________________________________________________________________ Attachment 2 REPORTING RESPONSIBILITIES FOR LOAN CORRESPONDENTS AND BROKERS Rules for loan applications received through loan correspondents require that the data must be reported by the entity that makes the credit decision. The following situations do not address the overall HMDA coverage criteria; rather, they assume that the entity responsible for reporting these loans meets the coverage criteria. A. FHA Applications The relationship between a Title I sponsor and its loan correspondent is somewhat different from the relationship between lenders and brokers, in that the Title I loan correspondent originates, processes, and closes Title I loans in its own name. The sponsoring lender has an agreement to acquire loans from the loan correspondent. Under the typical agreement, the loan correspondent delivers loan applications to the sponsor; the sponsor evaluates the application, makes a credit decision, and informs the loan correspondent whether it is willing to acquire the loan. If the sponsor approves the application, the loan closes in the name of the loan correspondent and is then sold to the sponsor. In this situation, the sponsor reports as originations those loans it purchases, and reports as denials those loans it decides not to approve. The loan correspondent does not report any of these loans or applications. If, however, the loan correspondent denies a loan application without review by the sponsor, the correspondent reports the application as a denial. B. Non-FHA Applications Scenario 1: The lender has an agreement to acquire loans from a broker. Under that agreement, the broker delivers loan applications to the lender; the lender evaluates the application, makes a credit decision, and informs the broker whether it is willing to acquire the loan. If the lender approves the application, the loan closes in the name of the lender, or closes in the name of the broker and is then acquired by the lender. In this situation, the lender reports as originations those loans it acquires (whether or not they closed in its name), and as denials those applications it decides not to approve. The broker does not report any of these loans or applications. (If the broker denies a loan application before it is submitted to the lender, the broker reports the application as a denial, assuming the broker is required to report under HMDA.) Attachment 2 (Cont'd.) 2 Scenario 2: The lender agrees with the broker to acquire loans that meet the lender's underwriting guidelines. The lender does not review loan applications prior to closing; the broker makes the underwriting decision. In this situation, the broker reports the originations, denials, withdrawals. The lender reports as purchases only those loans it decides to acquire. Scenario 3: The lender agrees with the broker to purchase loans that have government or private insurance. The lender does not review applications prior to closing. In this situation, the broker reports the originations, denials, withdrawals. The lender reports as purchases only those loans it decides to acquire. Attachment 2 (cont'd.) 3 Examples of Reporting Requirements for Loan Correspondents and Brokers For ease of description, the term "brokered" refers to applications for which you did not make the credit decision; rather, your sponsor or investor made that decision. The term "underwrote" refers to applications for which you did make the credit decision. "Denied" refers to those applications that you denied without sending forward to your sponsor or investor for a credit decision. EXAMPLE ACTIVITY REPORTING REQUIREMENTS #1 Brokered 300 loans Met the 100-loan origination threshold Underwrote 101 loans and is required to report 106 loans Denied* 5 loans -- the 101 on which you made the credit decision and the 5 denials that you did not send to your sponsor/investor. The 300 brokered loans will be reported by your sponsor/investor. #2 Brokered 300 loans Did not meet the 100-loan origination Underwrote 98 loans threshold, and thus, is exempt from HMDA Denied* 30 loans Regulation C. However, any of the 98 originations and 30 denials that were FHA loans must be reported to HUD in the HMDA format. #3 Brokered 400 loans Did not do any originations at all, and Underwrote 0 loans thus is exempt from HMDA Regulation C. Denied* 101 loans However, any of the 101 denials that were FHA loans must be reported to HUD in the HMDA format. * Please note that in addition to these denials, other applications for which action was taken without sending them forward to your sponsor/ investor are treated the same -- withdrawals, for example. Attachment 3 TIPS ON REPORTING YOUR HMDA DATA 1. Respondent IDs and Mailing Labels We identify your institution by your Respondent ID, which is your 10-digit Title I lender or loan correspondent ID (or Tax ID for those that are not FHA-approved). It is very important that all IDs are correct on both the Transmittal Sheet and Loan/Application Registers. If the Respondent ID is incorrect, your company risks not getting credit for reporting. Please label the exterior of all diskettes and tapes with the following information: Respondent ID Name of lending institution Address Contact person and telephone number Total LARs Diskette Number (1 of 1, 1 of 2, etc.) 2. Keep Updated Registers For most institutions, HMDA is not a report that can be pulled together in a few weeks; rather, it is a year-long process. Those who wait until December 31 are asking for trouble -- frequently having to use overtime and being under stress and prone to making mistakes. We encourage you to update your Loan/Application Register on an ongoing basis. If your institution is selected for review by the Monitoring Division of the Office of Lender Activities and Land Sales Registration, one of their tasks will be to review your Loan/ Application Register; this can occur at any time during the course of the year. 3. Verify Magnetic Media It is a good idea, and to your benefit, to copy your diskettes and tapes before sending them to us. We have received damaged diskettes, corrupted files, etc. requiring replacement; yet some institutions had no backup from which to copy. If you are sending tapes, please confirm that the tape can be successfully read before sending to us. Additionally, if you are using an IBM system, please turn off the "data compression," as this causes us a problem. Finally, please package all diskettes and tapes carefully, as some of the "hardware" errors are caused by diskettes and tapes damaged in transit. Attachment 3 (Cont'd.) 2 4. MSA/State/County/Census Tracts The Department can provide you with a diskette file or hard copy listing of valid MSA/STATE/COUNTY/CENSUS TRACT combinations. Please note, however, that this information is intended for use only as a reference tool of valid values for those items. It is not to be used to choose tracts that simply pass edits. As stated earlier, you need to acquire the necessary tools to properly geocode your data. 5. Application Definition There has been some confusion regarding what constitutes an application. Please note the reference materials listed below. In particular, the Official Staff Commentary on Regulation B should be helpful. 6. Observe Deadlines Each time you send in data, the Department will mail out an error report. The cover letter asks that you observe the ten-day turnaround time for corrections. 7.Reference Materials a. A Guide to HMDA Reporting, Getting it Right! This document should be studied in its entirety. It describes the reporting process, sources of geocoding information, etc. b. Regulation C, Home Mortgage Disclosure (12 CFR Part 203 ), issued by the Board of Governors of the Federal Reserve System. c. Official Staff Commentary on Regulation B, Equal Credit Opportunity, issued by the Board of Governors of the Federal Reserve System. See Section 202.2(f) Application; paragraph 3, "When an inquiry becomes an application" and paragraph 4, "Examples of inquiries that are not applications." WITH REVISED MSA, STATE & COUNTY CODES (Effective January 1, 1994) ATTACHMENT 4 A GUIDE TO HMDA Reporting Getting It Right! Federal Financial Institutions Examination Council LOAN/APPLICATION REGISTER Page ____ of ____ ______________________________________________________ ____________ Name of Reporting Institution City, State, All columns (except Reasons for Denial) must be completed for each entry. See the ______________________________________________________________________ Application or Loan Information ______________________________________________________________________ Date Application Application or Received Loan Number (mm/dd/yy) ______________________________________________________________________ Example of Loan Originated L B - 6 8 7 4 3 9 01/15/92 ______________________________________________________________________ Example of Application Denied 0 1 2 3 4 5 6 7 8 9 - 9 8 7 6 5 4 3 2 1 0 03/20/92 ______________________________________________________________________ ______________________________________________________________________ A GUIDE TO HMDA Reporting Getting It Right! LOAN/APPLICATION REGISTER Page ____ of ____ ______________________________________________________ ____________ Name of Reporting Institution City, State, All columns (except Reasons for Denial) must be completed for each entry. See the ______________________________________________________________________ Application or Loan Information ______________________________________________________________________ Date Application Application or Received Loan Number (mm/dd/yy) ______________________________________________________________________ Example of Loan Originated L B - 6 8 7 4 3 9 01/15/92 ______________________________________________________________________ Example of Application Denied 0 1 2 3 4 5 6 7 8 9 - 9 8 7 6 5 4 3 2 1 0 03/20/92 ______________________________________________________________________ ______________________________________________________________________ ___________________________________________________________________________ Contents Foreword Part I: Executive Summary: Management's Responsibilities Purpose of HMDA __________________________________________ 1 Who Must Report __________________________________________ 1 Who is Exempt ____________________________________________ 2 Mergers, Acquisitions, and Recharters ____________________ 3 Coverage Criteria for Depository Institutions ____________ 4 Coverage Criteria for Other Mortgage Lending Institutions_ 5 Reporting Requirements ___________________________________ 6 Modified Loan/Application Register _______________________ 6 Disclosure Statements ____________________________________ 7 Aggregate Tables__________________________________________ 7 Management's Responsibilities ____________________________ 8 Part II: Getting Started: Assembling the Data and Tools What Loans Are Covered? __________________________________ 9 What Loans Are Excluded? _________________________________ 9 What Information Is Reported? ____________________________10 Sources of Geographic Information ________________________11 Streamlining the Reporting Process _______________________16 ___________________________________________________________________________ Part III: Completing the Form: Step-by-Step Reporting Form __________________________________________ 17 Information Needed for Your Register ____________________ 18 About the Application or Loan ___________________________ 18 About the Action Taken __________________________________ 19 About the Property Location _____________________________ 20 About the Applicant _____________________________________ 21 About Loans That You Sell _______________________________ 21 About the Reasons for Denial ____________________________ 22 Officer's Certification and Contact Information _________ 22 Questions and Answers ___________________________________ 23 Appendix Checklist for Person Completing HMDA-LAR ________________ 26 Checklist for Certifying Officer ________________________ 27 Glossary ________________________________________________ 28 Regional Offices of the Bureau of the Census ____________ 29 State and County Codes for Counties in MSAs _____________ 30 Agency Offices __________________________________________ 46 ___________________________________________________________________________ Foreword A Guide to HMDA Reporting: Getting It Right! will assist you in complying with the Home Mortgage Disclosure Act and Regulation C. It was written to address the needs of management and to help the individuals who actually prepare the HMDA report. The Guide was developed by the Department of Housing and Urban Development (HUD) and member agencies of the Federal Financial Institutions Examination Council (FFIEC): the Office of the Comptroller of the Currency (OCC), the Federal Deposit Insurance Corporation (FDIC), the Office of Thrift Supervision (OTS), the Federal Reserve System (FRS), and the National Credit Union Administration (NCUA). Part I is an Executive Summary for the management official who is responsible for an institution's compliance with HMDA. This chapter gives an overview of the law's requirements, explains how to determine whether an institution is covered by HMDA, and summarizes management's responsibilities. Parts II and III of the Guide contain directions for assembling the necessary tools plus step-by-step instructions for completing the HMDA Loan/Application Register (HMDA-LAR). The appendix includes checklists, a glossary, addresses for supervisory agencies and the Bureau of the Census, and a listing of geographic codes needed for reporting. 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 statistical area (MSA). These reports are used by supervisory agencies, lending institutions, governmental agencies, and community groups to monitor the housing-related lending activities of covered institutions. They also can be used to help evaluate an institution's Community Reinvestment Act performance. If you have questions that are not answered by the Guide, refer first to the Federal Reserve Board's Regulation C and the instructions for the reporting form. The Guide is a supplement to the regulation, not a substitute. For further information, contact your federal supervisory agency (see appendix). The FFIEC welcomes suggestions for changes or additions that might make this Guide more helpful. Write to FFIEC, 2100 Pennsylvania Avenue, NW, Suite 200, Washington, DC 20037. ___________________________________________________________________________ Executive Purpose of HMDA Summary: Management's The Home Mortgage Disclosure Act, Responsibilities enacted by Congress in 1975, is implemented by the Federal Reserve Board's Regulation C (12 CFR Part 203 ). HMDA was made permanent in February 1988, and was expanded in August 1989 to require additional data to be reported about applications received and about applicant and borrower characteristics. HMDA makes available to the public information that helps to show whether financial institutions are serving the housing credit needs of their neighborhoods and communities. It also helps government officials make public sector investments and indicates to private investors the neighborhoods where their efforts are needed. Finally, HMDA data help identify possible discriminatory lending patterns and assist regulatory agencies in enforcing compliance with antidiscrimination statutes. HMDA does not prohibit any activity, nor is it intended to encourage unsound lending practices or the allocation of credit. Who Must Report For many years, HMDA and Regulation C applied only to depository institutions such as banks, thrifts, and credit unions and their majority-owned subsidiaries. Prior to 1990, the subsidiary of a bank, thrift, or credit union consolidated its data into the report filed by the parent. Now, these subsidiaries are required to report separately. In 1988, Congress expanded the law's coverage to savings and loan service corporations and to mortgage banking subsidiaries of bank holding companies and savings and loan holding companies. In 1989, Congress further amended the law to include many independent, nondepository mortgage lenders. In 1991, Congress authorized the Federal Reserve Board, in consultation with HUD, to develop a new exemption standard for nondepository institutions in order to further expand coverage of independent mortgage lenders. In 1992, the Board adopted a standard for coverage. Beginning January 1, 1993, a nondepository mortgage lender, like a depository institution, generally must comply with HMDA if, at the end of the preceding calendar year, it had a home or branch office in an MSA 1 and had assets of more than $10 million. Regardless of asset size, a nondepository lender is also covered if it originated 100 or more home purchase loans (including refinancings of home purchase loans) in the preceding calendar year. _____________________________ 1 The Office of Management and Budget (OMB) defines MSAs in terms of entire counties, except in the six New England states where they are defined in terms of cities and towns. An area usually qualifies as an MSA if it contains a city with a population of at least 50,000 or is defined by the Bureau of the Census as an urbanized area and has a population of 50,000 or more and a total metropolitan population of at least 100,000 (75,000 in New England). In the Guide, the term MSA also refers to a Primary Metropolitan Statistical Area (PMSA); a PMSA is a component of a Consolidated Metropolitan Statistical Area (CMSA), an area with a population of more than 1 million. 1 ___________________________________________________________________________ Executive Who is Exempt Summary: Management's A depository institution need not Responsibilities complete a HMDA report--even though it meets the tests for asset size and location--if it made no first-lien home purchase loans (including refinancings of home purchase loans) on 1-to-4 family dwellings in the preceding calendar year. A nondepository institution need not submit a report -- even if it meets the tests for location and asset size or lending activity -- if its home purchase loan originations (including refinancings of home purchase loans) in the preceding calendar year came to less than 10 percent of all its loan originations (measured in dollars). Refer to charts on pages 4 and 5 of the Guide for more information on the criteria for coverage. These charts relate only to determining coverage under HMDA and Regulation C. Different coverage and reporting requirements may apply under fair lending or other regulations of a particular federal agency. Institutions located in a state that has enacted a mortgage disclosure law may be granted an exemption from HMDA if they are subject to state law requirements that are substantially similar to federal requirements and there are adequate provisions for enforcement. These institutions will submit the required information to their state supervisory agency instead of to their federal regulator. Institutions will be informed by their state supervisory agency when such an exemption has been granted. 2 ___________________________________________________________________________ Mergers, Acquisitions, and Recharters When a merger or an acquisition takes place or an institution is rechartered, questions often arise about how and when to report HMDA data. Five scenarios are described below. Refer others to your federal supervisory agency for resolution. o Two institutions merge, producing a successor institution whose assets exceed $10 million. Both were previously exempt because of asset size. The successor institution's first HMDA report will be for the calendar year following the year of the merger. No data submission is required for the year of the merger. oTwo institutions merge, one covered and one exempt. The successor institution must report data for loan applications, originations, and purchases by the covered entity for the year of the merger. The successor need not report data for the previously exempt institution until the following calendar year, when it must consolidate all data for both institutions. oTwo covered institutions merge. The successor institution must report complete data for the year in which they merged; it has the option of filing a consolidated report or separate reports for that year. For subsequent calendar years, a consolidated report is required. If the institutions reported to different supervisory agencies prior to a merger, all reports for the year in which they merged and all subsequent reports must be submitted to the supervisory agency of the successor or acquiring institution. ..TX oA covered institution purchases HMDA-related loans in bulk from another entity (for example, from the Resolution Trust Corporation or from a failing institution). As neither a merger nor the acquisition of an institution is involved, the purchasing institution must report these loans as "purchased loans" in the year they are purchased. oA covered institution is rechartered. The institution must report data for the year in which it was rechartered and all subsequent years to its new supervisory agency. 3 ___________________________________________________________________________ Coverage Is the institution a bank, Criteria credit union, or savings NO See next page for Depository association? Institutions YES On the preceding December 31, did the assets of the NO It is exempt institution total more than $10 million? YES On the preceding December NO It is exempt 31, did the institution have a home or branch office /2 in an MSA? YES In the preceding calendar year, did the institution originate at least one home NO It is exempt purchase loan or refinancing of a home purchase loan secured by a first lien on a 1-to-4 family dwelling? YES Is the institution federally insured or regulated; was the mortgage loan insured, guaranteed, or NO It is exempt supplemented by a federal agency; or was the loan intended for sale to FNMA or FHLMC? YES ___________________ /2 For depository HMDA Applies to Loan institutions, a Originations, Purchases, branch office is an and Applications in the office approved as Current Calendar Year a branch by a supervisory agency. It does not include offices of affiliates or other third parties such as loan brokers, or other offices where loan applications are merely taken; nor does it include ATMs or other electronic terminals. 4 ___________________________________________________________________________ Coverage Is the lender a for-profit Criteria institution? NO It is exempt for Other Mortgage YES Lending Institutions In the preceding calendar year, did the institution's home purchase loan NO It is exempt originations (including refinancings of home purchase loans) equal or exceed 10 percent of its total loan originations, measured in dollars? YES Did the institution either: (1) have a home or branch office /3 in an MSA on the preceding December 31, or (2) receive applications NO It is exempt for, originate, or purchase 5 or more home purchase or home improvement loans on property located in an MSA in the preceding calendar year? YES Did the institution either: (1) have assets (when combined with the assets of any parent corporation) exceeding $10 million on the preceding December 31, or NO It is exempt (2) originate 100 or more home purchase loans (including refinancings of home purchase loans) in the preceding calendar year? YES ___________________ /3 For other HMDA Applies to Loan mortgage lending Originations, Purchases, institutions, a and Applications in the branch office is Current Calendar Year any office of the institution that takes applications from the public for home purchase or home improvement loans. It does not include offices of affiliates or other third parties such as loan brokers. 5 ___________________________________________________________________________ Executive Reporting Requirements Summary: Management's HMDA requires covered institutions Responsibilities to compile and disclose data about the applications they receive and the home purchase and home improvement loans they originate or purchase during each calendar year. In general, institutions must report: o Certain data about each application or loan (such as loan type and amount) and about the location of the dwelling to which it relates. o The race or national origin, sex, and gross annual income of the applicant or borrower. This requirement does not apply to banks, thrifts, or credit unions that have assets of $30 million or less. /4 An institution must maintain a loan/ application register (HMDA-LAR) on which it will enter data about each application received or loan originated and each loan purchased. The data must be presented in the format prescribed by the Federal Reserve Board in Regulation C and the accompanying instructions. The institution must send the loan/ application register to its federal supervisory agency by March 1 following the calendar year for which the loan data are compiled. Modified Loan/Application Register Beginning March 31, 1993, institutions must make their loan/application register data--modified to protect privacy interests of applicants and borrowers--available to the public upon request. Three fields are to be deleted from the register: the application or loan number, the date the application was received, and the date the action was taken. Aside from making the specified modifications, however, institutions are not required to change the format of the data from that used to collect and maintain the data. A modified register must be available no later than March 31 for requests made on or before March 1 following the year for which the data are collected, and within 30 days for requests made after March 1. This requirement applies to lending activity for 1992 and subsequent years. Institutions are strongly encouraged to make their modified loan/application register data available in census tract order, if possible. ____________________ /4 Different rules may apply for institutions regulated by the FDIC and OCC. 6 ___________________________________________________________________________ Disclosure Statements Using data from the loan/application registers, the FFIEC will prepare and send to each reporting institution a series of tables that will comprise the disclosure statement for that institution. An institution must make the statement available to the public for inspection and copying at its home office within 3 business days of receiving the disclosure statement from the FFIEC. The disclosure statement also must be made available in at least one office in each additional MSA where the institution has offices within 10 business days after receipt from the FFIEC. A reasonable fee to cover costs incurred is permitted. The disclosure statement must remain available to the public for five years, and an institution must post a general notice about its availability in the lobbies of the home office and any branch office located in an MSA. An institution may prepare its own display posters or may obtain posters from its federal supervisory agency. Aggregate Tables In addition to preparing individual disclosure statements, the FFIEC will combine the HMDA data submitted by all reporting institutions and produce aggregate tables for each MSA. The FFIEC will produce additional tables for each MSA showing the lending patterns according to demographic characteristics provided by the Bureau of the Census, such as age of housing stock. The FFIEC will send copies of the individual disclosure statements and aggregate tables to a central depository (such as a public library or a planning commission office) in each MSA, where the information is made available to the public. A directory of central data depositories may be obtained from the FFIEC. 7 ___________________________________________________________________________ Executive Management's Summary: Responsibilities Management's Responsibilities If your institution is required to comply with HMDA, management must ensure that: o Procedures are in place for collecting and maintaining accurate data regarding each application for, each origination, and each purchase of loans for home purchase or home improvement and for refinancings of these two types of loans. oThe individuals who are assigned responsibility for preparing and maintaining the data understand the regulatory requirements and are given the resources and tools needed to produce complete and accurate data. oAn officer of the institution monitors the collection of the data during the course of the year for compliance with the reporting instructions, reviews the loan/application data at year-end, and can certify to the accuracy of the data submitted to the institution's supervisory agency. oThe loan/application data are submitted on time and the institution responds promptly to any questions that may arise during the FFIEC's processing of the data submitted. Administrative sanctions. Due to the importance of accurate and timely submission of HMDA data, a violation of HMDA is subject to administrative sanctions, including the imposition of civil money penalties, where applicable. Automation. All institutions are strongly encouraged to automate the data collection and reporting process. If institutions report more than 100 application and loan entries, they are expected to submit the data in machine-readable form. Each of the agencies has provided the technical specifications for automated submission on PC diskettes and magnetic tapes. To facilitate automated reporting, several of the federal supervisory agencies also provide PC software, free of charge, for use by institutions that have not acquired or developed their own system. Contact your supervisory agency for more information. The tools your staff will need include: o Information about the MSA boundaries, to identify the MSAs in which you have home or branch offices. The appendix to the Guide provides the necessary information. o Maps and materials from the Bureau of the Census for determining the 1990 census tract numbers for properties in MSAs where you have home or branch offices. Institutions must use only 1990 census tract numbers because the FFIEC will use the corresponding 1990 demographic data in preparing the aggregate tables described on page 7. Some institutions rely on appraisers to identify the census tract numbers. Others ask their data processors to "geocode" the loans. Whatever method you choose to follow, the ultimate responsibility for the accuracy of the data--and for ensuring that 1990 census tract numbers are used--rests with your institution. The remainder of this pamphlet contains detailed instructions for completing the register or for use as a guide in producing an automated report. 8 ___________________________________________________________________________ Getting What Loans Are Covered? Started Assembling the The key to HMDA coverage is the Data and Tools purpose of the loans. You need information for loans originated or purchased, as well as for loan applications that do not result in an origination. This information is collected for two categories of loans: Home Home Purchase Improvement Loans Loans A home purchase loan is any loan secured by and made for the purpose of purchasing a dwelling. A home improvement loan is one that the borrower has indicated will be used for repairing, rehabilitating, or remodeling a dwelling and that is carried on your institution's books (or has otherwise been classified or coded) as a home improvement loan. The term applies to both secured and unsecured loans. Home equity credit lines for home improvement may be reported, at your institution's option, provided the applicant or borrower indicated at the time of application the amount of the line that will be used for home improvement. Only that portion of the credit line is to be reported. An institution that reports home equity credit line originations must also report any applications that do not result in an origination. You need to collect the data for home purchase and home improvement loans, including refinancings, on both 1-to-4 family and multifamily (5-or-more family) properties. The loan data for each calendar year will be reported on the HMDA-LAR, which comes with detailed instructions. You do not have to group loans on your register in any particular order. You may prefer to keep separate registers for the different categories of loans--or even separate registers at different branches. Keep in mind, however, that the application or loan identifiers that you use for each entry must be unique within your institution. For example, if your report contains data from several branch offices, and each keeps its own register, assign codes or series of numbers to each branch to avoid duplication. Send all the registers for your institution to your supervisory agency in a consolidated report or automated file. What Loans Are Excluded? The following are specifically excluded from reporting under HMDA: o Loans made or purchased in a fiduciary capacity. o Loans on unimproved land. oConstruction loans and other temporary financing (but construction-permanent loans must be reported). oPurchase of an interest in a pool of mortgages, such as mortgage participation certificates. oPurchases solely of servicing rights to loans. oLoans that, although secured by real estate, are made for purposes other than home purchase, home improvement, or refinancing (for example, loans to finance tuition, goods for business inventory, or a vacation). For information about refinancings refer to the question-and-answer section in this Guide. 9 ___________________________________________________________________________ Getting Started: What Information Is Assembling the Reported? Data and Tools HMDA requires the collection of certain basic information, such as loan type and amount, for any home purchase or home improvement loan that you originate, or purchase, or for which you receive an application, plus geographic data for loan properties located in metropolitan areas where you have a home or branch office. In addition, information about the race, sex, and income of the applicant or borrower is generally required for applications and originations. Reporting race, sex, and income HMDA requires institutions to collect information about the race or national origin, sex, and gross annual income of applicants or borrowers for all loan applications and loan originations. This information is not required but may be reported for loans purchased by your institution. A bank, thrift, or credit union with assets of $30 million or less is not required by HMDA to report this applicant information, but may be subject to a similar data collection rule by its supervisory agency's fair lending regulations. There is a standard form in Regulation C for obtaining the data about the race or national origin and sex of the applicant or borrower. The form is similar to the one contained in the Federal Reserve Board's Regulation B (Equal Credit Opportunity), and either form may be used to collect the data. Reporting MSA, state, and county codes and census tract numbers If a loan or application relates to property located in an MSA where you have a home or a branch office, you must report the following geographic information about the property location: oThe MSA, state, and county codes specified by the U.S. Department of Commerce in its Federal Information Processing Standards Publication (FIPS PUB 8-5), Metropolitan Statistical Areas. For 1994, these codes are also available in the appendix to this Guide. oThe 1990 census tract number (except as specified below). Although generally you must report the census tract number of the property to which the loan or application relates, you may omit the census tract number (and instead enter the code "NA" for "not applicable" in the census tract column) for any application or loan on property that: oIs located in an area that did not have census tracts for the 1990 census; or oIs located in a county that had a population of 30,000 or less in the 1990 census, even if the population later exceeds 30,000 and even if the county has census tract numbers. 10 ___________________________________________________________________________ Branch office. The term branch office refers only to offices of your institution, not offices of affiliates or other parties such as loan brokers. For a bank or other depository institution, branch office means an office approved as a branch by a supervisory agency. It does not include other offices where the institution merely takes loan applications, nor does it include free-standing ATMs. For other types of institutions (such as mortgage companies) branch office refers to any office that takes applications from the public for home purchase or home improvement loans. These entities also are considered to have a branch office in any MSA where in the preceding year they received applications for, originated, or purchased 5 or more loans for home purchase or home improvement --whether or not they had a physical office there. As a result, these lenders must keep complete geographic records of lending in the current calendar year in order to report data accurately the following year. Therefore, they may find it easier to enter geographic data routinely for any property located within any MSA. Sources of Geographic Information: o Information about MSA boundaries. The appendix to the Guide gives the MSA information that you need in submitting your data for the 1994 calendar year. o TIGER/Census Tract Street Index {Sup TM}. o 1990 Census Tract/Block Numbering Area Outline Maps. o An up-to-date local reference map. 11 ___________________________________________________________________________ Getting Started: By looking up your service area in the Assembling the appendix, you can determine if you Data and Tools have offices located within an MSA and you can obtain the corresponding codes. A list of all census tract numbers in each MSA is available from your supervisory agency or from the FFIEC. The list will help ensure that you are using only valid census tract numbers, and is another source of the MSA, state, and county codes. To determine MSA boundaries for future years, you may need to obtain FIPS PUB 8-5, Metropolitan Statistical Areas. Contact: National Technical Information Service U.S. Department of Commerce 5285 Port Royal Road Springfield, VA 22161 (703) 487-4650 Complete the "Change Request Form" found in the FIPS publication to receive updates to the list as they become available. Pencilling any changes onto your copy of the publication will keep it current and make it easier to use. Sources for 1990 census tract numbers You may choose from various products available from the Bureau of the Census for determining the correct 1990 census tract number for a given property. Census Tract/Block Numbering Area Outline Maps. You will need to use the 1990 Census Tract/Block Numbering Area Outline Maps for the counties within the MSA for which you are reporting. Besides showing the numbers for the census tracts within a particular county, these maps display the boundaries and names of the features used as census tract boundaries and the names of any counties or other subdivisions. Where a census tract boundary does not follow a visible feature such as a road, the invisible feature will be shown and labeled or symbolized. The maps are sold by the Government Printing Office in metropolitan and state packages. The average metropolitan package contains eight maps. Some metropolitan packages contain only one map; the largest contains sixty maps. The state packages contain non-metropolitan counties as defined for the 1990 Census tabulation program. They conform with the official published definitions in effect on June 30, 1990. The map sheets are oversized --generally measuring 36 by 42 inches --and map scales vary to minimize the number of map sheets. Maps may include one or more insets for densely settled areas. 12 ___________________________________________________________________________ Census Tract Street Index. Use the TIGER/Census Tract Street Index (TIGER/CTSI) for the county in which the property is located (Illustration 1). A special HMDA order form available from the Bureau of the Census (see page 15) tells you how to obtain the TIGER/CTSI for selected counties in the MSAs where you have offices. The TIGER/CTSI lets you determine the census tract numbers for properties that use street addresses. It is arranged by county within each MSA. The TIGER/CTSI provides the street name, including prefix or suffix direction (such as "north") and street type (such as "street" or "avenue"), address range, and corresponding census tract number (see illustration). Within a county, numbered streets (for example, 9th, 10th) will precede the streets listed alphabetically. The TIGER/CTSI shows the census tract number for each side of the street and, where applicable, provides county subdivision (towns, townships) and place codes as of January 1, 1990, for each street and address range. The latter may be helpful in determining the census tract number when streets with identical names and address ranges are located in different parts of the county. (County subdivision and place codes and their corresponding names are listed in the back of the TIGER/ CTSI.) As you can see from the illustration, the index pairs ranges of street addresses in the central city and suburbs of an MSA with the corresponding census tract numbers. ******************************************************************** * * * * * * * GRAPHICS MATERIAL IN ORIGINAL DOCUMENT OMITTED * * * * * * * ******************************************************************** Illustration 1: 1990 TIGER/Census Tract Street Index 13 ___________________________________________________________________________ Getting Started: The 1990 TIGER/CTSI has certain Assembling the limitations: Data and Tools o The address range information covers only the urban core of major urban areas as of the late 1970's. This means that address ranges for addresses outside these areas may not appear. o Street information represents the road network circa 1986. New streets and street name changes made after 1986 will not appear in this product. o The index does not contain address range information for areas with rural type addresses (such as RFD addresses). o The extent of address coverage varies for each MSA. If you have questions about coverage for a particular MSA, contact the geography specialist in the Bureau of the Census regional office for your state before ordering. (Regional offices and telephone numbers are listed in the appendix.) Local Reference Maps. The 1990 Census Tract/Block Numbering Area Outline Maps do not show streets, street names, and address ranges within a census tract. You will therefore need to use these maps in combination with up-to-date local street maps available in your local market. You might wish to use a marker pen to highlight on the street map the boundaries of each census tract according to the outline map. ________________________________________ Note for appraisal users: Institutions that take the census tract numbers from property appraisals should ensure that appraisers use copies of the 1990 Census Tract/BNA Outline Maps for the counties in which they will be appraising properties. The ultimate responsibility for the accuracy of the census tract data--and for ensuring that 1990 census tract numbers are used--rests with your institution. ________________________________________ 14 ___________________________________________________________________________ To obtain a special HMDA order form for the TIGER/CTSI and the outline maps, contact: Customer Services Bureau of the Census Washington, DC 20233 (301) 763-4100 To obtain concepts information about census geography, contact: Geography Division Bureau of the Census Washington, DC 20233 (301) 763-3827 You also may contact the Census Bureau's regional office serving your state; offices are listed in the appendix to this Guide. The costs for the census materials will vary, depending on the size of the county. Some of the materials may refer to PMSA (primary metropolitan statistical area) in place of MSA. This distinction is not relevant for HMDA purposes, and you may treat the term as synonymous with MSA. It is the responsibility of the lending institution to obtain all materials needed to determine the MSA, state, and county codes, and the census tract numbers. The Census Bureau is not responsible for either assisting in the preparation of documents to meet program requirements or determining the appropriate census tract numbers for individual addresses. ******************************************************************** * * * * * * * GRAPHICS MATERIAL IN ORIGINAL DOCUMENT OMITTED * * * * * * * ******************************************************************** Illustration 2: 1990 Census Tract Outline Map 15 ___________________________________________________________________________ Getting Started: Streamlining the Reporting Assembling the Process Data and Tools The following suggestions may help you streamline the reporting process. oBecause Regulation C calls for a register form of reporting, you are encouraged to collect the information and maintain your loan application register on an ongoing basis. If you use an outside servicer to identify the property locations, consider having the geocoding completed periodically rather than at year-end. oIf your institution handles a large volume of loans and applications, you may want to keep separate registers for home mortgage and home improvement loans. You must make sure, however, that the application identifier is unique. oYou are encouraged to develop or acquire a computer program with edit checks to maintain accurate and up-to-date records. There are various PC packages available from private vendors. Several of the supervisory agencies also have packages available free of charge for use in collecting and reporting HMDA data. oEach of the supervisory agencies has published technical specifications for automated submission of data on PC diskettes and magnetic tape. Make sure that your computer program meets the specifications of your supervisory agency. oIn many cases you may be able to wait until the loan transaction is complete to determine the census tract number (for example, from the appraisal information). But keep in mind that census tract numbers are also required for loan applications that are denied or withdrawn. oYour supervisory agency may require you to maintain your LAR on an ongoing basis. Contact your agency for details. 16 ___________________________________________________________________________ Completing Reporting Form the Form: Step-by-Step A loan/application register known as the HMDA-LAR is used for reporting the HMDA data. The register format and detailed instructions are available from your supervisory agency. You must follow the prescribed format of the HMDA-LAR, but you do not have to use the form itself so long as you use a layout that conforms to that of the register. All institutions are strongly encouraged to automate their collection and editing of HMDA data. An institution is expected to submit the data to its supervisory agency in an automated, machine-readable form unless 100 or fewer application and loan entries are reported. Your supervisory agency will provide you with instructions for electronic filing on PC diskette or magnetic tape format. A listing of the computer edits that your supervisory agency will use in reviewing your HMDA data is also available. Many vendors offer software with edit features. ******************************************************************** * * * * * * * * * * * * * GRAPHICS MATERIAL IN ORIGINAL DOCUMENT OMITTED * * * * * * * * * * * * * ******************************************************************** Illustration 3: Loan/Application Register 17 ___________________________________________________________________________ Completing Information Needed for the Form: Your Register Step-by-Step You will have to collect and report certain information for each loan transaction reportable under HMDA, as described below. All column fields must be completed except "reasons for denial," which is optional under HMDA. For institutions regulated by OTS, however, completion of the "reasons for denial" is required under OTS regulations. ...About the Application or Loan oIdentification number. You may enter any application identifier (up to 25 characters long) that can be used later to retrieve the particular loan or application to which the entry relates. It is recommended that institutions not use proper names or social security numbers on the HMDA-LAR in order to ensure privacy for the applicant or borrower. The identifier must be unique among all entries from your institution. For example, if your report contains data from several branches, and each branch keeps its own register, make sure that you assign a code (or a series of numbers) to each branch to avoid duplication. oDate application received. Report either the date the application was actually received or the date shown on the application form. For purchased loans, enter the code "NA" for "not applicable." oType of loan. Enter the appropriate code to indicate whether the loan granted, applied for, or purchased was conventional, government-guaranteed, or government-insured. ******************************************************************** * * * * * GRAPHICS MATERIAL IN ORIGINAL DOCUMENT OMITTED * * * * * ******************************************************************** 18 ___________________________________________________________________________ oPurpose of loan. For a 1-to-4 family dwelling, report whether the loan or application was for home purchase, home improvement, or refinancing. For loans or applications on multifamily property there is just one code; use the multifamily code whether a home purchase or home improvement loan or a refinancing is involved. oOccupancy. For a 1-to-4 family dwelling, indicate whether the property to which the loan or application relates will be the borrower's principal dwelling. For dwellings located in MSAs where you do not have home or branch offices, and dwellings not located in MSAs, enter code 3 for "not applicable," or enter the actual occupancy code if you know it. For multifamily dwellings (housing 5 or more families), regardless of location, enter code 3 for "not applicable." oLoan Amount. Report the dollar amount granted or requested in thousands. For example, if the dollar amount was $95,000, enter 95; if it was $1,500,000, enter 1500. Round to the nearest thousand; round $500 up to the next thousand. For example, if the loan was for $152,500, enter 153. But if the loan was for $152,499, enter 152. Do not report loans of less than $500. For submissions in automated form, your reporting program should add leading zeros to these amounts to fill out the column (for example, for a loan amount of $95,000, enter 00095). Leading zeros are not required for submissions in hard-copy form. ...About the Action Taken oType of action. Use the appropriate code to categorize the entry as a loan origination, as a purchased loan, or as an application that did not result in an origination. Do not report applications still pending at year-end. You will report these transactions in the calendar year when final disposition is made. oDate of action taken. Enter the settlement or closing date for originations. For applications that did not result in an origination, enter the date when the action (loan denied, file closed for incompleteness, application approved but not accepted) was taken or when the notice was sent to the applicant. For an application that was expressly withdrawn by the applicant, you may enter either the date shown on the applicant's letter or the date that you received the letter or notice. For loans that your institution purchased, enter the date of the purchase. 19 ___________________________________________________________________________ Completing the ...About the Property Form: Location Step-by-Step oMSA number, state code, and county code. Report the four-digit MSA code, two-digit FIPS code for the state, and three-digit code for the county. Enter these codes for any loan or loan application on property located in an MSA where you have a home or branch office. If the property is located outside the MSAs where you have a home or branch office (or outside any MSA), you may enter the applicable codes or you may enter "NA" in each of these columns. (See page 11 for the definition of branch office and page 30 for information about state and county codes.) In the case of a nondepository institution, these data are required for properties in any MSAs in which you originated, purchased, or received applications for 5 or more home purchase or home improvement loans in the preceding calendar year. oCensus tract number. Use only the numbers assigned in the 1990 census. This is necessary because the FFIEC will use 1990 demographic data in preparing tables from the data submitted by reporting institutions. (See pages 12-15 for sources.) Record each census tract number showing any decimal points precisely as shown on the tract/street index or other census documents. Add leading and trailing zeros to fill out the column, even though the number is not shown with leading or trailing zeros on the census documents. For example, report census tract 8.02 as 0008.02, not 802, 0802, or 8; and report census tract 1012 as 1012.00. Enter "NA" for the census tract number if the property is located in an area not divided into census tracts or in a county with a population of 30,000 or less. ******************************************************************** * * * * * * * * * GRAPHICS MATERIAL IN ORIGINAL DOCUMENT OMITTED * * * * * * * * * ******************************************************************** 20 ___________________________________________________________________________ ...About the Applicant oRace or national origin and sex of the applicant. Use the appropriate codes for the categories shown in the instructions to the HMDA loan/application register. Report this information both for loans that you originate and for loan applications that do not result in an origination. You may, but are not required to, report these data for loans that you purchase. Report the data for the applicant and for the co-applicant if there is one. If there is no Co-applicant, use the numerical code given in the instructions to the HMDA-LAR for "not applicable" in the co-applicant column. oIncome of the applicant. If an application relates to a 1-to-4 family dwelling, enter the total gross annual income your institution relied on in making the credit decision. Report the amount in thousands, rounded to the nearest thousand ($500 should be rounded up to the next thousand). Enter "NA" if your institution does not take the applicant's income into account, or if the loan or application is for a multifamily dwelling, or if you choose not to collect this information for a purchased loan. You may also enter "NA" if your institution does not reflect income on the application form or related materials for loans to its employees. ...About Loans That You Sell oType of purchaser. If you sell a loan in the same calendar year in which it was originated or purchased, you must identify the type of purchaser to whom it was sold. If the loan is sold to more than one purchaser, use the code for the entity purchasing the greatest interest. If you sell only a portion of the loan, retaining a majority interest, do not report the sale. If you do not sell the loan during the same calendar year, or if the application did not result in a loan origination, enter the code "0" (zero). ******************************************************************** * * * * * * * * * * * GRAPHICS MATERIAL IN ORIGINAL DOCUMENT OMITTED * * * * * * * * * * * ******************************************************************** 21 ___________________________________________________________________________ Completing ...About the Reasons for the Form: Denial Step-by-Step You may provide as many as three reasons why a loan application was not approved. If your institution uses the model checklist provided by Regulation B in giving reasons for credit denials, consult the HMDA-LAR instructions for guidance on which reasons correspond to the various codes used in Regulation C. This is an optional item under HMDA (except that institutions supervised by OTS must list the reasons to comply with OTS regulations). Leave this column blank if the "action taken" on the application is not a denial. For example, do not complete this column if the application was withdrawn or the file was closed for incompleteness. Officer's Certification and Contact Information An officer of your institution must review the completed report and attest to its accuracy before submitting it to your supervisory agency. This certification is made on the transmittal sheet that will accompany the loan/application register. A checklist to assist the officer in making this review appears in the appendix. Verify that the transmittal sheet also includes the name and telephone number of the person at your institution who can answer questions about the report. This and the other information called for by the transmittal sheet must be part of your HMDA package whether you submit the loan data in hard copy or automated format. Remember that if your institution keeps separate registers for different branches or for the different categories of loans and applications, all must be submitted to your supervisory agency in a single package with one transmittal sheet. 22 ___________________________________________________________________________ Questions What About... and Answers An application still pending at year-end? Do not include it in that year's register. Report it in the calendar year in which final disposition is made. An application file that was closed because the applicant did not provide all the information needed for a credit decision? The answer depends on the facts. If you sent the notice of incompleteness called for by Regulation B (Equal Credit Opportunity) requesting further information and the applicant did not respond within the allotted time, enter the code for "file closed for incompleteness." On the other hand, if you did not send the Regulation B notice but instead denied the loan outright because of the missing information, enter the code for a loan denial. Do not categorize any application as withdrawn unless the applicant expressly withdrew the application prior to the credit decision. An inquiry about prequalifying for a home purchase or home improvement loan? To determine when an inquiry becomes an application that you must report under HMDA, you should look to the guidelines in the Official Staff Commentary to Regulation B. Loans originated in one calendar year and sold the next? Information concerning the sale of these loans is not reported by the selling institution. That is, you do not record the loan sales on the register for the year in which they are sold, nor do you go back and update the register for the year in which you reported the originations. Refinancings? Enter the entire amount of the refinancing if the amount outstanding on the original home purchase or home improvement loan, plus the amount of new money (if any) that is for home improvement purposes, is more than 50 percent of the total loan amount. Do not report a refinancing if 50 percent or less of the loan proceeds or amount applied for is for covered purposes. For example, if the amount outstanding on the original home purchase or home improvement loan is $30,000, the amount of new money is $70,000, and $21,000 of the new money is to be used for home improvement, the entire loan amount of $100,000 would be reported (because $51,000 or 51 percent of the total loan amount was for home purchase or home improvement purposes). Report a refinancing that meets this test whether the original loan was made by your institution or by another lender. Unsecured home improvement loans? Report loans or loan applications whether or not the loan will be secured by the property to which it relates. Loans for home improvement secured by a first lien? You may report such loans as home purchase loans if your institution ordinarily treats all first-lien loans as home purchase loans. 23 ___________________________________________________________________________ Questions Classifying home improvement and loans? You must report loans or loan Answers applications as "home improvement loans" when the borrower states that the purpose of the loan is for home improvement and the loan is classified by your institution as a home improvement loan. "Classified" can mean that the loan is recorded on your books or otherwise identified or coded as a home improvement loan. Multipurpose home improvement loans? If a borrower states that more than 50 percent of the loan proceeds will be used for home improvement purposes and the loan is classified by your institution as a home improvement loan, you may report the total loan amount as a "home improvement loan." If you use this test to report loan originations, you also must report comparable data for applications that did not result in originations. Home equity lines of credit? The reporting of home equity lines used for home improvement is optional. If you choose to report them, you must determine when you take an application whether the borrower plans to use a portion of the funds for home improvement. You may record that portion on your register as a home improvement loan. Report only the portion of the line that the borrower indicated was for home improvement. Report the line only once--in the year when the account was opened, and not in succeeding years even if there is activity on the account. If you report data for credit lines granted, you also must report data for applications that did not result in originations. Assumptions? Report the outstanding principal as an origination if your institution enters into a written agreement accepting the new party as the obligor on the loan. Do not report a loan when there is no written agreement between your institution and the new party. You must also report data for requests that did not result in assumptions. Mobile and manufactured home loans? Report any loans and applications for the purchase or improvement of such dwellings, whether or not the dwellings are considered real property under state law. If information about the potential site of the mobile home is not available, enter "NA" in the applicable columns under "property location." Loans on multifamily dwellings? Use the "multifamily dwelling" purpose code for reporting any loans and applications relating to dwellings for 5 or more families--home purchase loans, home improvement loans, and refinancings, including loans and applications handled by your commercial lending area. 24 ___________________________________________________________________________ Loans on individual condominium or cooperative units? Report in the appropriate category (home purchase, home improvement, or refinancing) for 1-to-4 family dwellings even if the unit is located in a structure that houses 5 or more families. Loan documentation that does not indicate whether the borrower plans to occupy the residence? In the case of loans your institution purchased on 1-to-4 family dwellings, report as owner-occupied unless the loan documents contain information to the contrary. Enter the code for not applicable ("3") for property that is a multifamily dwelling, is not located in an MSA, or is located in an MSA in which your institution has neither a home nor a branch office. Reporting race or national origin, sex, or gross annual income for loans purchased? You may, but need not, report race or national origin, sex, and gross annual income for loans purchased by your institution. If you choose not to provide this information. enter the numerical code for "not applicable" for race or national origin and sex and enter "NA" for income. Violations of reporting requirements? Due to the importance of accurate and timely submissions of HMDA data, a violation of HMDA is subject to administrative sanctions, including the imposition of civil money penalties, where applicable. Applications received by mail or telephone? The application form (or an accompanying document) that you send to a prospective applicant must request the race or national origin and sex of the applicant. If the applicant chooses not to provide the information, enter the code to indicate the application was by "mail or telephone." You need not request these data for an application taken entirely by telephone. Brokered or correspondent loans, or indirect paper where one entity takes the application but a second institution makes the loan decision? Data on originations must be reported by the entity that makes the credit decision and that--by prior agreement--acquires the loan at or after closing. Data on loan applications that do not result in an origination also are reported by the entity that makes the loan decision. Reporting counteroffers? If you make a counteroffer to lend an amount different from the amount the applicant initially applied for, and the counteroffer is accepted by the applicant, report it as an origination for the amount of the loan actually granted. If the applicant turns down your counteroffer or fails to respond, report it as a denial for the amount initially requested. Do not report it as an application that was withdrawn. 25 ___________________________________________________________________________ Appendix Checklist for Person Completing HMDA-LAR Regulation C requires that an officer certify the accuracy of the HMDA report that is submitted. Before presenting the register to the certifying officer for review and signature, review the following checklist and make sure the answer is "yes" for each question listed. You should also review the checklist provided in this appendix for the certifying officer; the answer should be "yes" to each of those questions as well. YES NO _________________________________________________________________ A. Transmittal Sheet 1. Is a transmittal sheet attached to your loan register? 2. Does the transmittal sheet indicate the name and address where you want your institution's disclosure statement to be sent? 3. Is the name and telephone number of the contact person provided? 4. If your institution is a nondepository institution and is owned by a bank holding company or a depository institution, does the transmittal sheet provide the name and address of the parent corporation? 5. Does the transmittal sheet list the name and address of the federal supervisory agency for your institution? (The subsidiary of a bank, thrift, or credit union should list the supervisory agency of the parent institution.) 6. If your institution's register is being submitted in an automated format, have you included the information from the transmittal sheet? 7. Does the transmittal sheet provide your institution's reporter and tax identification numbers? B. Loan/Application Register 1. Did you use the register format prescribed in Regulation C by the Federal Reserve Board? 2. If you submit hard copy, is each page of your register numbered in sequence, and does it show the total number of pages in the entire package (including the loan data from the different divisions or branches of your institution, all of which must be submitted in one package)? 3. Has each column been properly completed (showing the data requested and the codes as applicable) leaving no blank spaces (except for the "Reasons for denial" column, which is optional for lenders other than those supervised by OTS)? 4. Do the census tract numbers listed on the register include the zeros and decimal points? (Example: report census tract 8.02 as 0008.02, not 802, 0802, or 8.) 5. Have you verified that no duplicate application or loan numbers appear in your institution's register--including the entries of any divisions or branches? (Adding a letter or digit in front of each identification number, for example, will help differentiate among the lending activity for various offices or branches.) 6. Have the dollar amounts been rounded to thousands? (Example: $20,400 is 20: $1.5 million is 1500.) 7. If you are submitting a report in non-automated form, has it been typewritten or computer printed? 26 ___________________________________________________________________________ Checklist for Certifying Officer Regulation C requires that an officer certify the accuracy of the HMDA report submitted by an institution to its supervisory agency. The following checklist will help you in this review. The answer should be "yes" to each of the questions. YES NO _________________________________________________________________ 1. If you are filing your institution's loan/application register in machine-readable format, has it been prepared in the correct format for automated reports, following the instructions from your supervisory agency? 2. It you are filing a register produced by computer, does the report use the column headings and are the data in the same order as on the HMDA-LAR? (Column headings may be abbreviated, so long as the meaning remains clear.) 3. Does the register include loan data from all of your institution's divisions or branches? (Including loans and applications handled by your commercial loan division, if applicable.) 4. Does the register exclude loan data from any subsidiaries of your institution, which must report separately? 5. Does the register list the state, county, and MSA codes, and 1990 census tracts for all entries for properties located in MSAs where you have a home or a branch office? 6. Does the register show census tract numbers only from the 1990 census tract series? 27 ___________________________________________________________________________ Appendix Glossary Branch office. For banks, thrifts, or credit unions, a branch office is an office approved as a branch by a supervisory agency. It does not include offices of affiliates or loan brokers, offices of the institution where loan applications are merely taken, or ATMs and other electronic terminals. For mortgage companies and other nondepository institutions, a branch office is an office where the institution takes applications from the public for home purchase or home improvement loans. These institutions also are considered to have a branch office in any MSA where, in the preceding year, they received applications for, originated, or purchased five or more home purchase or home improvement loans (whether or not they had a physical office there). Census tract. A census tract is a defined geographic area, within an MSA, that has been assigned a number by the Bureau of the Census. Institutions currently are required to use census tract numbers from the 1990 census series. Dwelling. Dwelling means any residential structure whether or not attached to real property, including condominium and cooperative units and mobile or manufactured homes. It refers to both 1-to-4 family and 5-or-more family structures. HMDA-LAR. The term HMDA-LAR refers to the loan/application register format that has been prescribed for reporting HMDA data. Institutions may produce computer-generated reports, instead of using the form itself, provided the report layout conforms to the format of the HMDA-LAR. Home improvement loan. A home improvement loan is a loan that the borrower has indicated will be used for repairing, rehabilitating, or remodeling a dwelling and that is classified by your institution as a home improvement loan; the term covers both secured and unsecured loans, and includes refinancings 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, including refinancings of home purchase loans. MSA. MSA stands for metropolitan statistical area and usually refers to an area which contains a city with a population of at least 50,000 or to an urbanized area with a population of 50,000 or more and a total metropolitan population of at least 100,000 (75,000 in New England). In Regulation C and this Guide, the term MSA also refers to a Primary Metropolitan Statistical Area, which represents a major component of a larger metropolitan area with a population of more than 1 million. MSAs are established by the Office of Management and Budget. Refinancing. Refinancing means a loan transaction in which the existing obligation, involving either a home purchase or a home improvement loan, is satisfied and replaced by a new obligation. 28 ___________________________________________________________________________ REGIONAL OFFICES OF THE BUREAU OF THE CENSUS To obtain census tract information, contact a regional office of the Bureau of the Census as indicated below. The list shows the states covered by each regional office. Atlanta (404) 730-3834 Alabama, Florida, Georgia Boston (617) 565-7110 Connecticut, Massachusetts, Maine, New Hampshire, New York (excluding New York City, and Nassau, Orange, Rockland, Suffolk, and Westchester counties), Rhode Island, Vermont Charlotte (704) 344-6702 District of Columbia, Kentucky, North Carolina, South Carolina, Tennessee, Virginia Chicago (312) 886-2977 Illinois, Indiana, Wisconsin Dallas (214) 767-7482 Louisiana, Mississippi, Texas Denver (303) 969-7760 Arizona, Colorado, Nebraska, New Mexico, North Dakota, South Dakota, Utah, Wyoming Detroit (313) 259-1875 Michigan, Ohio, West Virginia Kansas City (913) 236-3751 Arkansas, Iowa, Kansas, Minnesota, Missouri, Oklahoma Los Angeles (818) 904-6339 California New York (212) 264-6272 New York (including only New York City, and Nassau, Orange, Rockland, Suffolk, and Westchester counties), Puerto Rico Philadelphia (215) 597-1139 Delaware, Maryland, New Jersey, Pennsylvania Seattle (206) 728-5557 Alaska, Hawaii, Idaho, Montana, Nevada, Oregon, Washington 29 ___________________________________________________________________________ AppendixState and County Codes for Counties in Metropolitan Statistical Areas (MSAs), Together with MSA Numbers (as of January 1, 1994) The following are lists of the counties in each state that are located in metropolitan areas. The state codes appear in parentheses after the state names, and the county codes appear in parentheses after the county names, followed in turn by the MSA or PMSA numbers. Shown first is the list of counties with populations greater than 30,000 (for which lenders must provide census tract numbers on their HMDA-LAR). Counties with populations of 30,000 or less (for which census tract numbers are not required) appear on the second list. For states in New England (list one), MSAs are defined in terms of towns and cities instead of counties. Thus, for these states the list first identifies the county and then shows the towns and cities that are in the MSA. 1993 Metropolitan Counties with 1990 Census Populations Greater than 30,000 (including MSA, State, and County Codes) Alabama (01) Autauga (001) - MSA 5240 Baldwin (003) - MSA 5160 Blount (009) - MSA 1000 Calhoun (015) - MSA 0450 Colbert (033) - MSA 2650 Dale (045) - MSA 2180 Elmore (051) - MSA 5240 Etowah (055) - MSA 2880 Houston (069) - MSA 2180 Jefferson (073) - MSA 1000 Lauderdale (077) - MSA 2650 Limestone (083) - MSA 3440 Madison (089) - MSA 3440 Mobile (097) - MSA 5160 Montgomery (101) - MSA 5240 Morgan (103) - MSA 2030 Russell (113) - MSA 1800 St. Clair (115) - MSA 1000 Shelby (117) - MSA 1000 Tuscaloosa (125) - MSA 8600 Alaska (02) Anchorage (020) - MSA 0380 Arizona (04) Maricopa (013) - MSA 6200 Pima (019) - MSA 8520 Pinal (021) - MSA 6200 Yuma (027) - MSA 9360 Arkansas (05) Benton (007) - MSA 2580 Crawford (033) - MSA 2720 Crittenden (035) - MSA 4920 Faulkner (045) - MSA 4400 Jefferson (069) - MSA 6240 Lonoke (085) - MSA 4400 Miller (091) - MSA 8360 Pulaski (119) - MSA 4400 Saline (125) - MSA 4400 Sebastian (131) - MSA 2720 Washington (143) - MSA 2580 California (06) Alameda (001) - PMSA 5775 Butte (007) - MSA 1620 Contra Costa (013) - PMSA 5775 El Dorado (017) - PMSA 6920 Fresno (019) - MSA 2840 Kern (029) - MSA 0680 Los Angeles (037) - PMSA 4480 Madera (039) - MSA 2840 Marin (041) - PMSA 7360 Merced (047) - MSA 4940 Monterey (053) - MSA 7120 Napa (055) - PMSA 8720 Orange (059) - PMSA 5945 30 ___________________________________________________________________________ Placer (061) - PMSA 6920 Riverside (065) - PMSA 6780 Sacramento (067) - PMSA 6920 San Bernardino (071) - PMSA 6780 San Diego (073) - MSA 7320 San Francisco (075) - PMSA 7360 San Joaquin (077) - MSA 8120 San Luis Obispo (079) - MSA 7460 San Mateo (081) - PMSA 7360 Santa Barbara (083) - MSA 7480 Santa Clara (085) - PMSA 7400 Santa Cruz (087) - PMSA 7485 Shasta (089) - MSA 6690 Solano (095) - PMSA 8720 Sonoma (097) - PMSA 7500 Stanislaus (099) - MSA 5170 Sutter (101) - MSA 9340 Tulare (107) - MSA 8780 Ventura (111) - PMSA 8735 Yolo (113) - PMSA 9270 Yuba (115) - MSA 9340 Colorado (08) Adams (001) - PMSA 2080 Arapahoe (005) - PMSA 2080 Boulder (013) - PMSA 1125 Denver (031) - PMSA 2080 Douglas (035) - PMSA 2080 El Paso (041) - MSA 1720 Jefferson (059) - PMSA 2080 Larimer (069) - MSA 2670 Pueblo (101) - MSA 6560 Weld (123) - PMSA 3060 Connecticut (09) Fairfield (001) Bethel - PMSA 1930 Bridgeport - PMSA 1160 Brookfield - PMSA 1930 Danbury - PMSA 1930 Darien - PMSA 8040 Easton - PMSA 1160 Fairfield - PMSA 1160 Greenwich - PMSA 8040 Monroe - PMSA 1160 New Canaan - PMSA 8040 New Fairfield - PMSA 1930 Newtown - PMSA 1930 Norwalk - PMSA 8040 Redding - PMSA 1930 Ridgefield - PMSA 1930 Shelton - PMSA 1160 Sherman - PMSA 1930 Stamford - PMSA 8040 Stratford - PMSA 1160 Trumbull - PMSA 1160 Weston - PMSA 8040 Westport - PMSA 8040 Wilton - PMSA 8040 Hartford (003)(part) Avon - MSA 3280 Berlin - MSA 3280 Bloomfield - MSA 3280 Bristol - MSA 3280 Burlington - MSA 3280 Canton - MSA 3280 East Granby - MSA 3280 East Hartford - MSA 3280 East Windsor - MSA 3280 Enfield - MSA 3280 Farmington - MSA 3280 Glastonbury - MSA 3280 Granby - MSA 3280 Hartford - MSA 3280 Manchester - MSA 3280 Marlborough - MSA 3280 New Britain - MSA 3280 Newington - MSA 3280 Plainville - MSA 3280 Rocky Hill - MSA 3280 Simsbury - MSA 3280 Southington - MSA 3280 South Windsor - MSA 3280 Suffield - MSA 3280 West Hartford - MSA 3280 Wethersfield - MSA 3280 Windsor - MSA 3280 Windsor Locks - MSA 3280 Litchfield (005)(part) Barkhamsted - MSA 3280 Bethlehem - PMSA 8880 Bridgewater - PMSA 1930 Harwinton - MSA 3280 New Hartford - MSA 3280 New Milford - PMSA 1930 Plymouth - MSA 3280 31 ___________________________________________________________________________ Appendix Roxbury - PMSA 1930 Thomaston - PMSA 8880 Washington - PMSA 1930 Watertown - PMSA 8880 Winchester - MSA 3280 Woodbury - PMSA 8880 Middlesex (007)(part) Clinton - PMSA 5480 Cromwell - MSA 3280 Durham - MSA 3280 East Haddam - MSA 3280 East Hampton - MSA 3280 Haddam - MSA 3280 Killingworth - PMSA 5480 Middlefield - MSA 3280 Middletown - MSA 3280 Old Saybrook - MSA 5520 Portland - MSA 3280 New Haven (009) Ansonia - PMSA 1160 Beacon Falls - PMSA 1160 Bethany - PMSA 5480 Branford - PMSA 5480 Cheshire - PMSA 5480 Derby - PMSA 1160 East Haven - PMSA 5480 Guilford - PMSA 5480 Hamden - PMSA 5480 Madison - PMSA 5480 Meriden - PMSA 5480 Middlebury - PMSA 8880 Milford - PMSA 1160 Naugatuck - PMSA 8880 New Haven - PMSA 5480 North Branford - PMSA 5480 North Haven - PMSA 5480 Orange - PMSA 5480 Oxford - PMSA 1160 Prospect - PMSA 8880 Seymour - PMSA 1160 Southbury - PMSA 8880 Wallingford - PMSA 5480 Waterbury - PMSA 8880 West Haven - PMSA 5480 Wolcott - PMSA 8880 Woodbridge - PMSA 5480 New London (611)(part) Bozrah - MSA 5520 Colchester - MSA 3280 East Lyme - MSA 5520 Franklin - MSA 5520 Griswold - MSA 5520 Groton - MSA 5520 Lebanon - MSA 3280 Ledyard - MSA 5520 Lisbon - MSA 5520 Montville - MSA 5520 New London - MSA 5520 North Stonington - MSA 5520 Norwich - MSA 5520 Old Lyme - MSA 5520 Preston - MSA 5520 Salem - MSA 5520 Sprague - MSA 5520 Stonington - MSA 5520 Waterford - MSA 5520 Tolland (013)(part) Andover - MSA 3280 Bolton - MSA 3280 Columbia - MSA 3280 Coventry - MSA 3280 Ellington - MSA 3280 Hebron - MSA 3280 Mansfield - MSA 3260 Somers - MSA 3280 Stafford - MSA 3280 Tolland - MSA 3280 Vernon - MSA 3280 Willington - MSA 3280 Windham (015)(part) Ashford - MSA 3280 Canterbury - MSA 5520 Chaplin - MSA 3280 Plainfield - MSA 5520 Thompson - PMSA 9240 Windham - MSA 3280 Delaware (10) Kent (001) - MSA 2190 New Castle (003) - PMSA 9160 District of Columbia (11) District of Columbia (001) - PMSA 8840 32 ___________________________________________________________________________ Florida (12) Alachua (001) - MSA 2900 Bay (005) - MSA 6015 Brevard (009) - MSA 4900 Broward (011) - PMSA 2680 Charlotte (015) - MSA 6580 Clay (019) - MSA 3600 Collier (021) - MSA 5345 Dade (025) - PMSA 5000 Duval (031) - MSA 3600 Escambia (033) - MSA 6080 Gadsden (039) - MSA 8240 Hernando (053) - MSA 8280 Hillsborough (057) - MSA 8280 Lake (069) - MSA 5960 Lee (071) - MSA 2700 Leon (073) - MSA 8240 Manatee (081) - MSA 7510 Marion (083) - MSA 5790 Martin (085) - MSA 2710 Nassau (089) - MSA 3600 Okaloosa (091) - MSA 2750 Orange (095) - MSA 5960 Osceola (097) - MSA 5960 Palm Beach (099) - MSA 8960 Pasco (101) - MSA 8280 Pinellas (103) - MSA 8280 PolK (105) - MSA 3980 St. Johns (109) - MSA 3600 St. Lucie (111) - MSA 2710 Santa Rosa (113) - MSA 6080 Sarasota (115) - MSA 7510 Seminole (117) - MSA 5960 Volusia (127) - MSA 2020 Georgia (13) Bibb (021) - MSA 4680 Catoosa (047) - MSA 1560 Chatham (051) - MSA 7520 Cherokee (057) - MSA 0520 Clarke (059) - MSA 0500 Clayton (063) - MSA 0520 Cobb (067) - MSA 0520 Columbia (073) - MSA 0600 Coweta (077) - MSA 0520 De Kalb (089) - MSA 0520 Dougherty (095) - MSA 0120 Douglas (097) - MSA 0520 Fayette (113) - MSA 0520 Forsyth (117) - MSA 0520 Fulton (121) - MSA 0520 Gwinnett (135) - MSA 0520 Henry (151) - MSA 0520 Houston (153) - MSA 4680 Muscogee (215) - MSA 1800 Newton (217) - MSA 0520 Paulding (223) - MSA 0520 Richmond (245) - MSA 0600 Rockdale (247) - MSA 0520 Spalding (255) - MSA 0520 Walker (295) - MSA 1560 Walton (297) - MSA 0520 Hawaii (15) Honolulu (003) - MSA 3320 Idaho (16) Ada (001) - MSA 1080 Canyon (027) - MSA 1080 Illinois (17) Boone (007) - MSA 6880 Champaign (019) - MSA 1400 Clinton (027) - MSA 7040 Cook (031) - PMSA 1600 DeKalb (037) - PMSA 1600 Du Page (043) - PMSA 1600 Grundy (063) - PMSA 1600 Henry (073) - MSA 1960 Kane (089) - PMSA 1600 Kankakee (091) - PMSA 3740 Kendall (093) - PMSA 1600 Lake (097) - PMSA 1600 McHenry (111) - PMSA 1600 McLean (113) - MSA 1040 Macon (115) - MSA 2040 Madison (119) - MSA 7040 Peoria (143) - MSA 6120 Rock Island (161) - MSA 1960 St. Clair (163) - MSA 7040 Sangamon (167) - MSA 7880 Tazewell (179) - MSA 6120 Will (197) - PMSA 1600 Winnebago (201) - MSA 6880 Woodford (203) - MSA 6120 Indiana (18) Adams (001) - MSA 2760 Allen (003) - MSA 2760 33 ___________________________________________________________________________ Appendix Boone (011) - MSA 3480 Clark (019) - MSA 4520 Dearborn (029) - PMSA 1640 De Kalb (033) - MSA 2760 Delaware (035) - MSA 5280 Elkhart (039) - MSA 2330 Floyd (043) - MSA 4520 Hamilton (057) - MSA 3480 Hancock (059) - MSA 3480 Hendricks (063) - MSA 3480 Howard (067) - MSA 3850 Johnson (081) - MSA 3480 Lake (089) - PMSA 2960 Madison (095) - MSA 3480 Marion (097) - MSA 3480 Monroe (105) - MSA 1020 Morgan (109) - MSA 3480 Porter (127) - PMSA 2960 St. Joseph (141) - MSA 7800 Shelby (145) - MSA 3480 Tippecanoe (157) - MSA 3920 Vanderburgh (163) - MSA 2440 Vigo (167) - MSA 8320 Warrick (173) - MSA 2440 Iowa (19) Black Hawk (013) - MSA 8920 Dubuque (061) - MSA 2200 Johnson (103) - MSA 3500 Linn (113) - MSA 1360 Polk (153) - MSA 2120 Pottawattamie (155) - MSA 5920 Scott (163) - MSA 1960 Warren (181) - MSA 2120 Woodbury (193) - MSA 7720 Kansas (20) Butler (015) - MSA 9040 Douglas (045) - MSA 4150 Harvey (079) - MSA 9040 Johnson (091) - MSA 3760 Leavenworth (103) - MSA 3760 Sedgwick (173) - MSA 9040 Shawnee (177) - MSA 8440 Wyandotte (209) - MSA 3760 Kentucky (21) Boone (015) - PMSA 1640 Boyd (019) - MSA 3400 Bullitt (029) - MSA 4520 Campbell (037) - PMSA 1640 Christian (047) - MSA 1660 Daviess (059) - MSA 5990 Fayette (067) - MSA 4280 Greenup (089) - MSA 3400 Henderson (101) - MSA 2440 Jefferson (111) - MSA 4520 Jessamine (113) - MSA 4280 Kenton (117) - PMSA 1640 Madison (151) - MSA 4280 Oldham (185) - MSA 4520 Louisiana (22) Ascension (005) - MSA 0760 Bossier (015) - MSA 7680 Caddo (017) - MSA 7680 Calcasieu (019) - MSA 3960 East Baton Rouge (033) - MSA 0760 Jefferson (051) - MSA 5560 Lafayette (055) - MSA 3880 Lafourche (057) - MSA 3350 Livingston (063) - MSA 0760 Orleans (071) - MSA 5560 Ouachita (073) - MSA 5200 Rapides (079) - MSA 0220 St. Bernard (087) - MSA 5560 St. Charles (089) - MSA 5560 St. John the Baptist (095) - PMSA 5560 St. Martin (099) - MSA 3880 St. Tammany (103) - MSA 5560 Terrebonne (109) - MSA 3350 Webster (119) - MSA 7680 Maine (23) Androscoggin (001)(part) Auburn - MSA 4240 Greene - MSA 4240 Lewiston - MSA 4240 Lisbon - MSA 4240 Mechanic Falls - MSA 4240 Poland - MSA 4240 Sabattus - MSA 4240 Turner - MSA 4240 Wales - MSA 4240 Cumberland (005)(part) Cape Elizabeth - MSA 6400 Casco - MSA 6400 34 ___________________________________________________________________________ Cumberland - MSA 6400 Falmouth - MSA 6400 Freeport - MSA 6400 Gorham - MSA 6400 Gray - MSA 6400 North Yarmouth - MSA 6400 Portland - MSA 6400 Raymond - MSA 6400 Scarborough - MSA 6400 South Portland - MSA 6400 Standish - MSA 6400 Westbrook - MSA 6400 Windham - MSA 6400 Yarmouth - MSA 6400 Penobscot (019)(part) Bangor - MSA 0730 Brewer - MSA 0730 Eddington - MSA 0730 Glenburn - MSA 0730 Hampden - MSA 0730 Hermon - MSA 0730 Holden - MSA 0730 Kenduskeag - MSA 0730 Milford - MSA 0730 Old Town city - MSA 0730 Orono - MSA 0730 Orrington - MSA 0730 Penobscot Indian Island (Indian Reservation) - MSA 0730 Veazie - MSA 0730 Waldo(027)(part) Winterport - MSA 0730 York (031)(part) Berwick - PMSA 6450 Buxton - MSA 6400 Eliot - PMSA 6450 Hollis - MSA 6400 Kittery - PMSA 6450 Limington - MSA 6400 Old Orchard Beach - MSA 6400 South Berwick - PMSA 6450 York - PMSA 6450 Maryland (24) Allegany (001) - MSA 1900 Anne Arundel (003) - PMSA 0720 Baltimore (005) - PMSA 0720 Baltimore (city)(510) - PMSA 0720 Calvert (009) - PMSA 8840 Carroll (013) - PMSA 0720 Cecil (015) - PMSA 9160 Charles (017) - PMSA 8840 Frederick (021) - PMSA 8840 Harford (025) - PMSA 0720 Howard (027) - PMSA 0720 Montgomery (031) - PMSA 8840 Prince George's (033) - PMSA 8840 Queen Anne's (035) - PMSA 0720 Washington (043) - PMSA 3180 Massachusetts (25) Barnstable (001)(part) Barnstable - MSA 0740 Brewster - MSA 0740 Chatham - MSA 0740 Dennis - MSA 0740 Eastham - MSA 0740 Harwich - MSA 0740 Mashpee - MSA 0740 Orleans - MSA 0740 Sandwich - MSA 0740 Yarmouth - MSA 0740 Berkshire (003)(part) Adams - MSA 6320 Cheshire - MSA 6320 Dalton - MSA 6320 Hinsdale - MSA 6320 Lanesborough - MSA 6320 Lee - MSA 6320 Lenox - MSA 6320 Pittsfield - MSA 6320 Richmond - MSA 6320 Stockbridge - MSA 6320 Bristol (005) Acushnet - PMSA 5400 Attleboro - MSA 6480 Berkley - PMSA 1120 Dartmouth - PMSA 5400 Dighton - PMSA 1120 Easton - PMSA 1200 Fairhaven - PMSA 5400 Fall River - MSA 6480 Freetown - PMSA 5400 35 ___________________________________________________________________________ Appendix Mansfield - PMSA 1120 New Bedford - PMSA 5400 North Attleborough - MSA 6480 Norton - PMSA 1120 Raynham - PMSA 1200 Rehoboth - MSA 6480 Seekonk - MSA 6480 Somerset - MSA 6480 Swansea - MSA 6480 Taunton - PMSA 1120 Westport - MSA 6480 Essex (009) Amesbury - PMSA 1120 Andover - PMSA 4160 Beverly - PMSA 1120 Boxford - PMSA 4160 Danvers - PMSA 1120 Essex - PMSA 1120 Georgetown - PMSA 4160 Gloucester - PMSA 1120 Groveland - PMSA 4160 Hamilton - PMSA 1120 Haverhill - PMSA 4160 Ipswich - PMSA 1120 Lawrence - PMSA 4160 Lynn - PMSA 1120 Lynnfield - PMSA 1120 Manchester - PMSA 1120 Marblehead - PMSA 1120 Merrimac - PMSA 4160 Methuen - PMSA 4160 Middleton - PMSA 1120 Nahant - PMSA 1120 Newbury - PMSA 1120 Newburyport - PMSA 1120 North Andover - PMSA 4160 Peabody - PMSA 1120 Rockport - PMSA 1120 Rowley - PMSA 1120 Salem - PMSA 1120 Salisbury - PMSA 1120 Saugus - PMSA 1120 Swampscott - PMSA 1120 Topsfield - PMSA 1120 Wenham - PMSA 1120 West Newbury - PMSA 4160 Franklin (011)(part) Sunderland - MSA 8000 Hampden (013)(part) Agawam - MSA 8000 Chicopee - MSA 8000 East Longmeadow - MSA 8000 Hampden - MSA 8000 Holland - PMSA 9240 Holyoke - MSA 8000 Longmeadow - MSA 8000 Ludlow - MSA 8000 Monson - MSA 8000 Montgomery - MSA 8000 Palmer - MSA 8000 Russell - MSA 8000 Southwick - MSA 8000 Springfield - MSA 8000 Westfield - MSA 8000 West Springfield - MSA 8000 Wilbraham - MSA 8000 Hampshire (015)(part) Amherst - MSA 8000 Belchertown - MSA 8000 Easthampton - MSA 8000 Granby - MSA 8000 Hadley - MSA 8000 Hatfield - MSA 8000 Huntington - MSA 8000 Northampton - MSA 8000 Southampton - MSA 8000 South Hadley - MSA 8000 Ware - MSA 8000 Williamsburg - MSA 8000 Middlesex (017) Acton - PMSA 1120 Arlington - PMSA 1120 Ashby - PMSA 2600 Ashland - PMSA 1120 Ayer - PMSA 1120 Bedford - PMSA 1120 Belmont - PMSA 1120 Billerica - PMSA 4560 Boxborough - PMSA 1120 Burlington - PMSA 1120 Cambridge - PMSA 1120 Carlisle - PMSA 1120 36 ___________________________________________________________________________ Chelmsford - PMSA 4560 Concord - PMSA 1120 Dracut - PMSA 4560 Dunstable - PMSA 4560 Everett - PMSA 1120 Framingham - PMSA 1120 Groton - PMSA 4560 Holliston - PMSA 1120 Hopkinton - PMSA 1120 Hudson - PMSA 1120 Lexington - PMSA 1120 Lincoln - PMSA 1120 Littleton - PMSA 1120 Lowell - PMSA 4560 Malden - PMSA 1120 Marlborough - PMSA 1120 Maynard - PMSA 1120 Medford - PMSA 1120 Melrose - PMSA 1120 Natick - PMSA 1120 Newton - PMSA 1120 North Reading - PMSA 1120 Pepperell - PMSA 4560 Reading - PMSA 1120 Sherborn - PMSA 1120 Shirley - PMSA 1120 Somerville - PMSA 1120 Stoneham - PMSA 1120 Stow - PMSA 1120 Sudbury - PMSA 1120 Tewksbury - PMSA 4560 Townsend - PMSA 1120 Tyngsborough - PMSA 4560 Wakefield - PMSA 1120 Waltham - PMSA 1120 Watertown - PMSA 1120 Wayland - PMSA 1120 Westford - PMSA 4560 Weston - PMSA 1120 Wilmington - PMSA 1120 Winchester - PMSA 1120 Woburn - PMSA 1120 Norfolk (021) Avon - PMSA 1200 Bellingham - PMSA 1120 Braintree - PMSA 1120 Brookllne - PMSA 1120 Canton - PMSA 1120 Cohasset - PMSA 1120 Dedham - PMSA 1120 Dover - PMSA 1120 Foxborough - PMSA 1120 Franklin - PMSA 1120 Holbrook - PMSA 1120 Medfield - PMSA 1120 Medway - PMSA 1120 Millis - PMSA 1120 Milton - PMSA 1120 Needham - PMSA 1120 Norfolk - PMSA 1120 Norwood - PMSA 1120 Plainville - PMSA 1120 Quincy - PMSA 1120 Randolph - PMSA 1120 Sharon - PMSA 1120 Stoughton - PMSA 1120 Walpole - PMSA 1120 Wellesley - PMSA 1120 Westwood - PMSA 1120 Weymouth - PMSA 1120 Wrentham - PMSA 1120 Plymouth (023) Abington - PMSA 1200 Bridgewater - PMSA 1200 Brockton - PMSA 1200 Carver - PMSA 1120 Duxbury - PMSA 1120 East Bridgewater - PMSA 1200 Halifax - PMSA 1200 Hanover - PMSA 1120 Hanson - PMSA 1200 Hingham - PMSA 1120 Hull - PMSA 1120 Kingston - PMSA 1120 Lakeville - PMSA 1200 Marion - PMSA 5400 Marshfield - PMSA 1120 Mattapoisett - PMSA 5400 Middleborough - PMSA 1200 Norwell - PMSA 1120 Pembroke - PMSA 1120 Plymouth - PMSA 1120 Plympton - PMSA 1200 Rochester - PMSA 5400 Rockland - PMSA 1120 Scituate - PMSA 1120 37 ___________________________________________________________________________ Appendix Wareham - PMSA 1120 West Bridgewater - PMSA 1200 Whitman - PMSA 1200 Suffolk (025) Boston - PMSA 1120 Chelsea - PMSA 1120 Revere - PMSA 1120 Winthrop - PMSA 1120 Worcester (027)(part) Ashburnham - PMSA 2600 Auburn - PMSA 9240 Barre - PMSA 9240 Berlin - PMSA 1120 Blackstone - PMSA 1120 Bolton - PMSA 1120 Boylston - PMSA 9240 Brookfield - PMSA 9240 Charlton - PMSA 9240 Clinton - PMSA 9240 Douglas - PMSA 9240 Dudley - PMSA 9240 East Brookfield - PMSA 9240 Fitchburg - PMSA 2600 Gardner - PMSA 2600 Grafton - PMSA 9240 Harvard - PMSA 1120 Holden - PMSA 9240 Hopedale - PMSA 1120 Lancaster - PMSA 1120 Leicester - PMSA 9240 Leominster - PMSA 2600 Lunenburg - PMSA 2600 Mendon - PMSA 1120 Milford - PMSA 1120 Millbury - PMSA 9240 Millville - PMSA 1120 Northborough - PMSA 9240 Northbridge - PMSA 9240 North Brookfield - PMSA 9240 Oakham - PMSA 9240 Oxford - PMSA 9240 Paxton - PMSA 9240 Princeton - PMSA 9240 Rutland - PMSA 9240 Shrewsbury - PMSA 9240 Southborough - PMSA 1120 Southbridge - PMSA 9240 Spencer - PMSA 9240 Sterling - PMSA 9240 Sturbridge - PMSA 9240 Sutton - PMSA 9240 Templeton - PMSA 2600 Upton - PMSA 1120 Uxbridge - PMSA 9240 Webster - PMSA 9240 Westborough - PMSA 9240 West Boylston - PMSA 9240 West Brookfield - PMSA 9240 Westminster - PMSA 2600 Winchendon - PMSA 2600 Worcester - PMSA 9240 Michigan (26) Allegan (005) - MSA 3000 Bay (017) - MSA 6960 Berrien (021) - MSA 0870 Calhoun (025) - MSA 3720 Clinton (037) - MSA 4040 Eaton (045) - MSA 4040 Genesee (049) - PMSA 2640 Ingham (065) - MSA 4040 Jackson (075) - MSA 3520 Kalamazoo (077) - MSA 3720 Kent (081) - MSA 3000 Lapeer (087) - PMSA 2160 Lenawee (091) - PMSA 0440 Livingston (093) - PMSA 0440 Macomb (099) - PMSA 2160 Midland (111) - MSA 6960 Monroe (115) - PMSA 2160 Muskegon (121) - MSA 3000 Oakland (125) - PMSA 2160 Ottawa (139) - MSA 3000 Saginaw (145) - MSA 6960 St. Clair (147) - PMSA 2160 Van Buren (159) - MSA 3720 Washtenaw (161) - PMSA 0440 Wayne (163) - PMSA 2160 Minnesota (27) Anoka (003) - MSA 5120 Benton (009) - MSA 6980 Carver (019) - MSA 5120 Chisago (025) - MSA 5120 Clay (027) - MSA 2520 Dakota (037) - MSA 5120 38 ___________________________________________________________________________ Hennepin (053) - MSA 5120 Olmsted (109) - MSA 6820 Polk (119) - MSA 2985 Ramsey (123) - MSA 5120 St. Louis (137) - MSA 2240 Scott (139) - MSA 5120 Sherburne (141) - MSA 5120 Stearns (145) - MSA 6980 Washington (163) - MSA 5120 Wright (171) - MSA 5120 Mississippi (28) De Soto (033) - MSA 4920 Hancock (045) - MSA 0920 Harrison (047) - MSA 0920 Hinds (049) - MSA 3560 Jackson (059) - MSA 0920 Madison (089) - MSA 3560 Rankin (121) - MSA 3560 Missouri (29) Boone (019) - MSA 1740 Buchanan (021) - MSA 7000 Cass (037) - MSA 3760 Christian (043) - MSA 7920 Clay (047) - MSA 3760 Franklin (071) - MSA 7040 Greene (077) - MSA 7920 Jackson (095) - MSA 3760 Jasper (097) - MSA 3710 Jefferson (099) - MSA 7040 Lafayette (107) - MSA 3760 Newton (145) - MSA 3710 Platte (165) - MSA 3760 St. Charles (183) - MSA 7040 St. Louis (189) - MSA 7040 St. Louis (city)(510) - MSA 7040 Montana (30) Cascade (013) - MSA 3040 Yellowstone (111) - MSA 0880 Nebraska (31) Douglas (055) - MSA 5920 Lancaster (109) - MSA 4360 Sarpy (153) - MSA 5920 Nevada (32) Clark (003) - MSA 4120 Washoe (031) - MSA 6720 New Hampshire (33) Hillsborough (011)(part) Amherst - PMSA 5350 Bedford - PMSA 4760 Brookline - PMSA 5350 Goffstown - PMSA 4760 Greenville - PMSA 5350 Hollis - PMSA 5350 Hudson - PMSA 5350 Litchfield - PMSA 5350 Manchester - PMSA 4760 Mason - PMSA 5350 Merrimack - PMSA 5350 Milford - PMSA 5350 Mont Vernon - PMSA 5350 Nashua - PMSA 5350 New Ipswich - PMSA 5350 Pelham - PMSA 4560 Weare - PMSA 4760 Wilton - PMSA 5350 Merrimack (013)(part) Allenstown - PMSA 4760 Hooksett - PMSA 4760 Rockingham (015)(part) Atkinson - PMSA 4160 Auburn - PMSA 4760 Brentwood - PMSA 6450 Candia - PMSA 4760 Chester - PMSA 4160 Danville - PMSA 4160 Derry - PMSA 4160 East Kingston - PMSA 6450 Epping - PMSA 6450 Exeter - PMSA 6450 Fremont - PMSA 4160 Greenland - PMSA 6450 Hampstead - PMSA 4160 Hampton - PMSA 6450 Hampton Falls - PMSA 6450 Kensington - PMSA 6450 Kingston - PMSA 4160 Londonderry - PMSA 4760 New Castle - PMSA 6450 Newfields - PMSA 6450 Newington - PMSA 6450 Newmarket - PMSA 6450 Newton - PMSA 4160 North Hampton - PMSA 6450 39 ___________________________________________________________________________ Appendix Plaistow - PMSA 4160 Portsmouth - PMSA 6450 Raymond - PMSA 4160 Rye - PMSA 6450 Salem - PMSA 4160 Sandown - PMSA 4160 Seabrook - PMSA 1120 South Hampton - PMSA 1120 Stratham - PMSA 6450 Windham - PMSA 4160 Strafford (017)(part) Barrington - PMSA 6450 Dover - PMSA 6450 Durham - PMSA 6450 Farmington - PMSA 6450 Lee - PMSA 6450 Madbury - PMSA 6450 Milton - PMSA 6450 Rochester - PMSA 6450 Rollinsford - PMSA 6450 Somersworth - PMSA 6450 New Jersey (34) Atlantic (001) - PMSA 0560 Bergen (003) - PMSA 0875 Burlington (005) - PMSA 6160 Camden (007) - PMSA 6160 Cape May (009) - PMSA 0560 Cumberland (011) - PMSA 8760 Essex (013) - PMSA 5640 Gloucester (015) - PMSA 6160 Hudson (017) - PMSA 3640 Hunterdon (019) - PMSA 5015 Mercer (021) - PMSA 8480 Middlesex (023) - PMSA 5015 Monmouth (025) - PMSA 5190 Morris (027) - PMSA 5640 Ocean (029) - PMSA 5190 Passaic (031) - PMSA 0875 Salem (033) - PMSA 6160 Somerset (035) - PMSA 5015 Sussex (037) - PMSA 5640 Union (039) - PMSA 5640 Warren (041) - PMSA 5640 New Mexico (35) Bernalillo (001) - MSA 0200 Dona Ana (013) - MSA 4100 Sandoval (043) - MSA 0200 Santa Fe (049) - MSA 7490 New York (36) Albany (001) - MSA 0160 Bronx (005) - PMSA 5600 Broome (007) - MSA 0960 Cayuga (011) - MSA 8160 Chautauqua (013) - MSA 3610 Chemung (015) - MSA 2335 Dutchess (027) - PMSA 2281 Erie (029) - MSA 1280 Herkimer (043) - MSA 8680 Kings (047) - PMSA 5600 Livingston (051) - MSA 6840 Madison (053) - MSA 8160 Monroe (055) - MSA 6840 Montgomery (057) - MSA 0160 Nassau (059) - PMSA 5380 New York (061) - PMSA 5600 Niagara (063) - MSA 1280 Oneida (065) - MSA 8680 Onondaga (067) - MSA 8160 Ontario (069) - MSA 6840 Orange (071) - PMSA 5660 Orleans (073) - MSA 6840 Oswego (075) - MSA 8160 Putnam (079) - PMSA 5600 Queens (081) - PMSA 5600 Rensselaer (083) - MSA 0160 Richmond (085) - PMSA 5600 Rockland (087) - PMSA 5600 Saratoga (091) - MSA 0160 Schenectady (093) - MSA 0160 Suffolk (103) - PMSA 5380 Tioga (107) - MSA 0960 Warren (113) - MSA 2075 Washington (115) - MSA 2975 Wayne (117) - MSA 6840 Westchester (119) - PMSA 5600 North Carolina (37) Alamance (001) - MSA 3120 Brunswick (019) - MSA 9200 Buncombe (021) - MSA 0480 Burke (023) - MSA 3290 Cabarrus (025) - MSA 1520 Caldwell (027) - MSA 3290 Catawba (035) - MSA 3290 40 ___________________________________________________________________________ Chatham (037) - MSA 6640 Cumberland (051) - MSA 2560 Davidson (057) - MSA 3120 Durham (063) - MSA 6640 Edgecombe (065) - MSA 6895 Forsyth (067) - MSA 3120 Franklin (069) - MSA 6640 Gaston (071) - MSA 1520 Guilford (081) - MSA 3120 Johnston (101) - MSA 6640 Lincoln (109) - MSA 1520 Mecklenburg (119) - MSA 1520 Nash (127) - MSA 6895 New Hanover (129) - MSA 9200 Onslow (133) - MSA 3605 Orange (135) - MSA 6640 Pitt (147) - MSA 3150 Randolph (151) - MSA 3120 Rowan (159) - MSA 1520 Stokes (169) - MSA 3120 Union (179) - MSA 1520 Wake (183) - MSA 6640 Wayne (191) - MSA 2980 Yadkin (197) - MSA 3120 North Dakota (38) Burleigh (015) - MSA 1010 Cass (017) - MSA 2520 Grand Forks (035) - MSA 2985 Ohio (39) Allen (003) - MSA 4320 Ashtabula (007) - PMSA 1680 Auglaize (011) - MSA 4320 Belmont (013) - MSA 9000 Butler (017) - PMSA 3200 Clark (023) - MSA 2000 Clermont (025) - PMSA 1640 Cuyahoga (035) - PMSA 1680 Delaware (041) - MSA 1840 Fairfield (045) - MSA 1840 Franklin (049) - MSA 1840 Fulton (051) - MSA 8400 Geauga (055) - PMSA 1680 Greene (057) - MSA 2000 Hamilton (061) - PMSA 1640 Jefferson (081) - MSA 8080 Lake (085) - PMSA 1680 Lawrence (087) - MSA 3400 Licking (089) - MSA 1840 Lorain (093) - PMSA 1680 Lucas (095) - MSA 8400 Madison (097) - MSA 1840 Mahoning (099) - MSA 9320 Medina (103) - PMSA 1680 Miami (109) - MSA 2000 Montgomery (113) - MSA 2000 Pickaway (129) - MSA 1840 Portage (133) - PMSA 0080 Richland (139) - MSA 4800 Stark (151) - MSA 1320 Summit (153) - PMSA 0080 Trumbull (155) - MSA 9320 Warren (165) - PMSA 1640 Washington (167) - MSA 6020 Wood (173) - MSA 8400 Oklahoma (40) Canadian (017) - MSA 5880 Cleveland (027) - MSA 5880 Comanche (031) - MSA 4200 Creek (037) - MSA 8560 Garfield (047) - MSA 2340 Oklahoma (109) - MSA 5880 Osage (113) - MSA 8560 Pottawatomie (125) - MSA 5880 Rogers (131) - MSA 8560 Sequoyah (135) - MSA 2720 Tulsa (143) - MSA 8560 Wagoner (145) - MSA 8560 Oregon (41) Clackamas (005) - PMSA 6440 Jackson (029) - MSA 4890 Lane (039) - MSA 2400 Marion (047) - PMSA 7080 Multnomah (051) - PMSA 6440 Polk (053) - PMSA 7080 Washington (067) - PMSA 6440 Yamhill (071) - PMSA 6440 Pennsylvania (42) Allegheny (003) - MSA 6280 Beaver (007) - MSA 6280 Berks (011) - MSA 6680 Blair (013) - MSA 0280 Bucks (017) - PMSA 6160 Butler (019) - MSA 6280 41 ___________________________________________________________________________ Appendix Cambria (021) - MSA 3680 Carbon (025) - MSA 0240 Centre (027) - MSA 8050 Chester (029) - PMSA 6160 Columbia (037) - MSA 7560 Cumberland (041) - MSA 3240 Dauphin (043) - MSA 3240 Delaware (045) - PMSA 6160 Erie (049) - MSA 2360 Fayette (051) - MSA 6280 Lackawanna (069) - MSA 7560 Lancaster (071) - MSA 4000 Lebanon (075) - MSA 3240 Lehigh (077) - MSA 0240 Luzerne (079) - MSA 7560 Lycoming (081) - MSA 9140 Mercer (085) - MSA 7610 Montgomery (091) - PMSA 6160 Northampton (095) - MSA 0240 Perry (099) - MSA 3240 Philadelphia (101) - PMSA 6160 Somerset (111) - MSA 3680 Washington (125) - MSA 6280 Westmoreland (129) - MSA 6280 York (133) - MSA 9280 Rhode Island (44) Bristol (001) Barrington - MSA 6480 Bristol - MSA 6480 Warren - MSA 6480 Kent (003) Coventry - MSA 6480 East Greenwich - MSA 6480 Warwick - MSA 6480 West Greenwich - MSA 6480 West Warwick - MSA 6480 Newport (005)(part) Jamestown - MSA 6480 Little Compton - MSA 6480 Tiverton - MSA 6480 Providence (007) Burrillville - MSA 6480 Central Falls - MSA 6480 Cranston - MSA 6480 Cumberland - MSA 6480 East Providence - MSA 6480 Foster - MSA 6480 Glocester - MSA 6480 Johnston - MSA 6480 Lincoln - MSA 6480 North Providence - MSA 6480 North Smithfield - MSA 6480 Pawtucket - MSA 6480 Providence - MSA 6480 Scituate - MSA 6480 Smithfield - MSA 6480 Woonsocket - MSA 6480 Washington (009)(part) Charlestown - MSA 6480 Exeter - MSA 6480 Hopkinton - MSA 5520 Narragansett - MSA 6480 North Kingstown - MSA 6480 Richmond - MSA 6480 South Kingstown - MSA 6480 Westerly - MSA 5520 South Carolina (45) Aiken (003) - MSA 0600 Anderson (007) - MSA 3160 Berkeley (015) - MSA 1440 Charleston (019) - MSA 1440 Dorchester (035) - MSA 1440 Florence (041) - MSA 2655 Greenville (045) - MSA 3160 Horry (051) - MSA 5330 Lexington (063) - MSA 1760 Pickens (077) - MSA 3160 Richland (079) - MSA 1760 Spartanburg (083) - MSA 3160 Sumter (085) - MSA 8140 York (091) - MSA 1520 South Dakota (46) Minnehaha (099) - MSA 7760 Pennington (103) - MSA 6660 Tennessee (47) Anderson (001) - MSA 3840 Blount (009) - MSA 3840 Carter (019) - MSA 3660 Davidson (037) - MSA 5360 Dickson (043) - MSA 5360 42 ___________________________________________________________________________ Hamilton (065) - MSA 1560 Hawkins (073) - MSA 3660 Knox (093) - MSA 3840 Loudon (105) - MSA 3)840 Madison (113) - MSA 3580 Montgomery (125) - MSA 1660 Robertson (147) - MSA 5360 Rutherford (149) - MSA 5360 Sevier (155) - MSA 3840 Shelby (157) - MSA 4920 Sullivan (163) - MSA 3660 Sumner (165) - MSA 5360 Tipton (167) - MSA 4920 Washington (179) - MSA 3660 Williamson (187) - MSA 5360 Wilson (189) - MSA 5360 Texas (48) Bell (027) - MSA 3810 Bexar (029) - MSA 7240 Bowie (037) - MSA 8360 Brazoria (039) - PMSA 1145 Brazos (041) - MSA 1260 Cameron (061) - MSA 1240 Collin (085) - PMSA 1920 Comal (091) - MSA 7240 Coryell (099) - MSA 3810 Dallas (113) - PMSA 1920 Denton (121) - PMSA 1920 Ector (135) - MSA 5800 Ellis (139) - PMSA 1920 El Paso (141) - MSA 2320 Fort Bend (157) - PMSA 3360 Galveston (167) - PMSA 2920 Grayson (181) - MSA 7640 Gregg (183) - MSA 4420 Guadalupe (187) - MSA 7240 Hardin (199) - MSA 0840 Harris (201) - PMSA 3360 Harrison (203) - MSA 4420 Hays (209) - MSA 0640 Hidalgo (215) - MSA 4880 Jefferson (245) - MSA 0840 Johnson (251) - PMSA 2800 Kaufman (257) - PMSA 1920 Liberty (291) - PMSA 3360 Lubbock (303) - MSA 4600 McLennan (309) - MSA 8800 Midland (329) - MSA 5800 Montgomery (339) - PMSA 3360 Nueces (355) - MSA 1880 Orange (361) - MSA 0840 Parker (367) - PMSA 2800 Potter (375) - MSA 0320 Randall (381) - MSA 0320 San Patricio (409) - MSA 1880 Smith (423) - MSA 8640 Tarrant (439) - PMSA 2800 Taylor (441) - MSA 0040 Tom Green (451) - MSA 7200 Travis (453) - MSA 0640 Victoria (469) - MSA 8750 Webb (479) - MSA 4080 Wichita (485) - MSA 9080 Williamson (491) - MSA 0640 Utah (49) Davis (011) - MSA 7160 Salt Lake (035) - MSA 7160 Utah (049) - MSA 6520 Weber (057) - MSA 7160 Vermont (50) Chittenden (007)(part) Burlington - MSA 1305 Charlotte - MSA 1305 Colchester - MSA 1305 Essex - MSA 1305 Hinesburg - MSA 1305 Jericho - MSA 1305 Milton - MSA 1305 Richmond - MSA 1305 St. George - MSA 1305 Shelburne - MSA 1305 South Burlington - MSA 1305 Williston - MSA 1305 Winooski - MSA 1305 Franklin (011)(part) Fairfax - MSA 1305 Georgia - MSA 1305 St. Albans - MSA 1305 St. Albans (city) - MSA 1305 Swanton - MSA 1305 Virginia (51) Albemarle (003) - MSA 1540 Arlington (013) - PMSA 8840 43 ___________________________________________________________________________ Appendix Bedford (019) - MSA 4640 Campbell (031) - MSA 4640 Chesterfield (041) - MSA 6760 Fairfax (059) - PMSA 8840 Gloucester (073) - MSA 5720 Hanover (085) - MSA 6760 Henrico (087) - MSA 6760 James City (095) - MSA 5720 Loudoun (107) - PMSA 8840 Pittsylvania (143) - MSA 1950 Prince William (153) - PMSA 8840 Roanoke (161) - MSA 6800 Spotsylvania (177) - PMSA 8840 Stafford (179) - PMSA 8840 Washington (191) - MSA 3660 York (199) - MSA 5720 Independent cities: Alexandria (510) - PMSA 8840 Charlottesville (540) - MSA 1540 Chesapeake (550) - MSA 5720 Danville (590) - MSA 1950 Hampton (650) - MSA 5720 Lynchburg (680) - MSA 4640 Newport News (700) - MSA 5720 Norfolk (710) - MSA 5720 Petersburg (730) - MSA 6760 Portsmouth (740) - MSA 5720 Richmond (760) - MSA 6760 Roanoke (770) - MSA 6800 Suffolk (800) - MSA 5720 Virginia Beach (810) - MSA 5720 Washington (53) Benton (005) - MSA 6740 Clark (011) - PMSA 6440 Franklin (021) - MSA 6740 King (033) - PMSA 7600 Kitsap (035) - PMSA 1150 Pierce (053) - PMSA 8200 Snohomish (061) - PMSA 7600 Spokane (063) - MSA 7840 Thurston (067) - PMSA 5910 Whatcom (073) - MSA 0860 Yakima (077) - MSA 9260 West Virginia (54) Cabell (011) - MSA 3400 Hancock (029) - MSA 8080 Kanawha (039) - MSA 1480 Marshall (051) - MSA 9000 Ohio (069) - MSA 9000 Putnam (079) - MSA 1460 Wayne (099) - MSA 3400 Wood (107) - MSA 6020 Wisconsin (55) Brown (009) - MSA 3080 Calumet (015) - MSA 0460 Chippewa (017) - MSA 2290 Dane (025) - MSA 4720 Douglas (031) - MSA 2240 Eau Claire (035) - MSA 2290 Kenosha (059) - PMSA 3800 La Crosse (063) - MSA 3870 Marathon (073) - MSA 8940 Milwaukee (079) - PMSA 5080 Outagamie (087) - MSA 0460 Ozaukee (089) - PMSA 5080 Racine (101) - PMSA 6600 Rock (105) - MSA 3620 St. Croix (109) - MSA 5120 Sheboygan (117) - MSA 7620 Washington (131) - PMSA 5080 Waukesha (133) - PMSA 5080 Winnebago (139) - MSA 0460 Wyoming (58) Laramie (021) - MSA 1580 Natrona (025) - MSA 1350 Puerto Rico (72) Aguada (003) - MSA 0060 Aguadilla (005) - MSA 0060 Arecibo (013) - PMSA 0470 Bayamon (021) - PMSA 7440 Cabo Rojo (023) - MSA 4840 Caguas (025) - PMSA 1310 Canovanas (029) - PMSA 7440 Carolina (031) - PMSA 7440 Catano (033) - PMSA 7440 Cayey (035) - PMSA 1310 Cidra (041) - PMSA 1310 Corozal (047) - PMSA 7440 Dorado (051) - PMSA 7440 Fajardo (053) - PMSA 7440 Guaynabo (061) - PMSA 7440 Hatillo (065) - PMSA 0470 Humacao (069) - PMSA 7440 44 ___________________________________________________________________________ Juana Diaz (075) - MSA 6360 Juncos (077) - PMSA 7440 Manati (091) - PMSA 7440 Mayaguez (097) - MSA 4840 Moca (099) - MSA 0060 Ponce (113) - MSA 6360 Rio Grande (119) - PMSA 7440 San German (125) - MSA 4840 San Juan (127) - PMSA 7440 San Lorenzo (129) - PMSA 1310 Toa Alta (135) - PMSA 7440 Toa Baja (137) - PMSA 7440 Trujillo Alto (139) - PMSA 7440 Vega Alta (143) - PMSA 7440 Vega Baja (145) - PMSA 7440 Yauco (153) - MSA 6360 Counties with Populations of 30,000 or Less Alabama (01) Lawrence *(079) - MSA 2030 Arizona (04) Mohave *(015) - MSA 4120 Florida (12) Flagler (035) - MSA 2020 Georgia (13) Barrow (013) - MSA 0520 Bartow *(015) - MSA 0520 Bryan (029) - MSA 7520 Carroll *(045) - MSA 0520 Chattahoochee (053) - MSA 1800 Dade (083) - MSA 1560 Effingham (103) - MSA 7520 Harris (145) - MSA 1800 Jones (169) - MSA 4680 Lee (177) - MSA 0120 McDuffie (189) - MSA 0600 Madison (195) - MSA 0500 Oconee (219) - MSA 0500 Peach (225) - MSA 4680 Pickens (227) - MSA 0520 Twiggs (289) - MSA 4680 Illinois (17) Jersey (083) - MSA 7040 Menard (129) - MSA 7880 Monroe (133) - MSA 7040 Ogle *(141) - MSA 6880 Indiana (18) Clay (021) - MSA 8320 Clinton *(023) - MSA 3920 Harrison (061) - MSA 4520 Huntington *(069) - MSA 2760 Ohio (115) - PMSA 1640 Posey (129) - MSA 2440 Scott (143) - MSA 4520 Tipton (159) - MSA 3850 Vermilion (165) - MSA 8320 Wells (179) - MSA 2760 Whitley (183) - MSA 2760 Iowa (19) Dallas (049) - MSA 2120 Kansas (20) Miami (121) - MSA 3760 Kentucky (21) Bourbon (017) - MSA 4280 Carter (043) - MSA 3400 Clark (049) - MSA 4280 Gallatin (077) - PMSA 1640 Grant (081) - PMSA 1640 Pendleton (191) - PMSA 1640 Scott (209) - MSA 4280 Woodford (239) - MSA 4280 Louisiana (22) Acadia *(001) - MSA 3880 Plaquemines (075) - MSA 5560 St. James (093) - MSA 5560 St. Landry *(097) - MSA 3880 West Baton Rouge (121) - MSA 0760 Minnesota (27) Houston (055) - MSA 3870 Isanti (059) - MSA 5120 Missouri (29) Andrew (003) - MSA 7000 Clinton (049) - MSA 3760 ____________________________ *County has population over 30,000 but does not have census tracts. 45 ___________________________________________________________________________ Appendix Crawford (055) - Sullivan city only - MSA 7040 Lincoln (113) - MSA 7040 Ray (177) - MSA 3760 Warren (219) - MSA 7040 Webster (225) - MSA 7920 Nebraska (31) Cass (025) - MSA 5920 Dakota (043) - MSA 7720 Washington (177) - MSA 5920 Nevada (32) Nye (023) - MSA 4120 New Mexico (35) Los Alamos (028) - MSA 7490 Valencia *(061) - MSA 0200 New York (36) Genesee *(037) - MSA 6840 Schoharie *(095) - MSA 0160 North Carolina (37) Alexander (003) - MSA 3290 Currituck (053) - MSA 5720 Davie (059) - MSA 3120 Madison (115) - MSA 0480 North Dakota (30) Morton (059) - MSA 1010 Ohio (39) Brown *(015) - PMSA 1640 Carroll (019) - MSA 1320 Columbiana * (029) - MSA 9320 Crawford *(033) - MSA 4800 Oklahoma (40) Logan (083) - MSA 5880 McClain (087) - MSA 5880 Oregon (41) Columbia *(009) - PMSA 6440 Pennsylvania (42) Pike (103) - MSA 5660 Wyoming (131) - MSA 7560 South Carolina (45) Cherokee *(021) - MSA 3160 Edgefield (037) - MSA 0600 South Dakota (46) Lincoln (083) - MSA 7760 Tennessee (47) Cheatham (021) - MSA 5360 Fayette (047) - MSA 4920 Marion (115) - MSA 1560 Unicoi (171) - MSA 3660 Union (173) - MSA 3840 Texas (48) Archer (009) - MSA 9080 Bastrop *(021) - MSA 0640 Caldwell (055) - MSA 0640 Chambers (071) - PMSA 3360 Henderson *(213) - PMSA 1920 Hood (221) - PMSA 2800 Hunt *(231) - PMSA 1920 Rockwall (397) - PMSA 1920 Upshur *(459) - MSA 4420 Waller (473) - PMSA 3360 Wilson (493) - MSA 7240 Vermont (50) Grand Isle (013)(part) - MSA 1305 Virginia (51) Amherst (009) - MSA 4640 Botetourt (023) - MSA 6800 Charles City (036) - MSA 6760 Clarke (043) - PMSA 8840 Culpeper (047) - PMSA 8840 Dinwiddie (053) - MSA 6760 Fauquier *(061) - PMSA 8840 Fluvanna (065) - MSA 1540 Goochland (075) - MSA 6760 Greene (079) - MSA 1540 Isle of Wight (093) - MSA 5720 King George (099) - PMSA 8840 New Kent (127) - MSA 6760 Matthews (115) - MSA 5720 Powhatan (145) - MSA 6760 Prince George (149) - MSA 6760 Scott (169) - MSA 3660 Warren (187) - PMSA 8840 46 ___________________________________________________________________________ Independent Cities: Bedford (515) - MSA 4640 Bristol (520) - MSA 3660 Colonial Heights (570) - MSA 6760 Fairfax (city)(600) - PMSA 8840 Falls Church (610) - PMSA 8840 Fredericksburg (630) - PMSA 8840 Hopewell (670) - MSA 6760 Manassas (683) - PMSA 8840 Manassas Park (685) - PMSA 8840 Poquoson (735) - MSA 5720 Salem (775) - MSA 6800 Williamsburg (830) - MSA 5720 Washington (53) Island *(029) - PMSA 7600 West Virginia (54) Berkeley *(003) - PMSA 8840 Brooke (009) - MSA 8080 Jefferson *(037) - PMSA 8840 Mineral (057) - MSA 1900 Wisconsin (55) Pierce *(093) - MSA 5120 Puerto Rico (72) Aguas Buenas (007) - PMSA 7440 Anasco (011) - MSA 4840 Barceloneta (017) - PMSA 7440 Camuy (027) - PMSA 0470 Ceiba (037) - PMSA 7440 Comerio (045) - PMSA 7440 Florida (054) - PMSA 7440 Guayanilla (059) - MSA 6360 Gurabo (063) - PMSA 1310 Hormigueros (067) - MSA 4840 Las Piedras (085) - PMSA 7440 Loiza (087) - PMSA 7440 Luquillo (089) - PMSA 7440 Morovis (101) - PMSA 7440 Naguabo (103) - PMSA 7440 Naranjito (105) - PMSA 7440 Penuelas (111) - MSA 6360 Sabana Grande (121) - MSA 4840 Villalba (149) - MSA 6360 Yabucoa *(151) - PMSA 7440 47 ___________________________________________________________________________ Appendix Agency Offices Federal Reserve System Federal Reserve Bank of Atlanta 104 Marietta Street, N.W. Atlanta, GA 30303 (404) 521-8500 Alabama, Florida, Georgia, Louisiana,* Mississippi,* Tennessee* Federal Reserve Bank of Boston 600 Atlantic Avenue Boston, MA 02106 (617) 973-3000 Connecticut,* Maine, Massachusetts, New Hampshire, Rhode Island, Vermont Federal Reserve Bank of Chicago 230 South LaSalle Street Chicago, IL 60604 (312) 322-5322 Illinois,* Indiana,* Iowa, Michigan,* Wisconsin* Federal Reserve Bank of Cleveland 1455 East Sixth Street Cleveland, OH 44114 (216) 579-2000 Kentucky,* Ohio, Pennsylvania,* West Virginia* Federal Reserve Bank of Dallas 2200 North Pearl Street Dallas, TX 75201-2272 (214) 922-6000 Louisiana,* New Mexico,* Texas Federal Reserve Bank of Kansas City 925 Grand Avenue Kansas City, MO 64198 (816) 881-2000 Colorado, Kansas, Missouri,* Nebraska, New Mexico,* Oklahoma, Wyoming Federal Reserve Bank of Minneapolis 250 Marquette Avenue Minneapolis, MN 55480 (612) 340-2345 Michigan,* Minnesota, Montana, North Dakota, South Dakota, Wisconsin* Federal Reserve Bank of New York 33 Liberty Street New York, NY 10045 (212) 720-5000 Connecticut,* New Jersey,* New York, Puerto Rico Federal Reserve Bank of Philadelphia Ten Independence Mall Philadelphia, PA 19106 (215) 574-6000 Delaware, New Jersey,* Pennsylvania* Federal Reserve Bank of Richmond 701 East Byrd Street Richmond, VA 23219 (804) 697-8000 Maryland, North Carolina, South Carolina, Virginia, West Virginia* *Some states are split between two districts. 48 ___________________________________________________________________________ Federal Reserve Bank of St. Louis 411 Locust Street St. Louis, MO 63102 (314) 444-8444 Arkansas, Indiana,* Kentucky,* Illinois,* Mississippi,* Missouri,* Tennessee* Federal Reserve Bank of San Francisco 101 Market Street San Francisco, CA 94105 (415) 974-2000 Alaska, Arizona, California, Hawaii, Idaho, Nevada, Oregon, Utah, Washington Federal Deposit Insurance Corporation Atlanta Regional Office Marquis One, Suite 1200 245 Peachtree Center Avenue, N.E. Atlanta, GA 30303 (404) 525-0308 Alabama, Florida, Georgia, North Carolina, South Carolina, Virginia, West Virginia Boston Regional Office Westwood Executive Center 200 Lowder Brook Drive Westwood, MA 02090 (617) 320-1600 Connecticut, Maine, Massachusetts, New Hampshire, Rhode Island, Vermont Chicago Regional Office 30 S. Wacker Drive, Suite 3100 Chicago, IL 60606 (312) 207-0210 Illinois, Indiana, Michigan, Ohio, Wisconsin Dallas Regional Office 1910 Pacific Avenue, Suite 1900 Dallas, TX 75201 (214) 220-3342 Colorado, New Mexico, Oklahoma, Texas Kansas City Regional Office 2345 Grand Avenue, Suite 1500 Kansas City, MO 64108 (816) 234-8000 Iowa, Kansas, Minnesota, Missouri, Nebraska, North Dakota, South Dakota Memphis Regional Office 5100 Poplar Ave., Suite 1900 Memphis, TN 38137 (901) 685-1603 Arkansas, Kentucky, Louisiana, Mississippi, Tennessee New York Regional Office 452 Fifth Avenue, 19th Floor New York, NY 10018 (212) 704-1200 Delaware, District of Columbia, Maryland, New Jersey, New York, Pennsylvania, Puerto Rico, Virgin Islands San Francisco Regional Office 25 Ecker Street, Suite 2300 San Francisco, CA 94105 (415) 546-0160 Alaska, Arizona, California, Guam, Hawaii, Idaho, Montana, Nevada, Oregon, Utah, Washington, Wyoming 49 ___________________________________________________________________________ Appendix Office of the Comptroller of the Currency Central District One Financial Place, Suite 2700 440 South LaSalle Street Chicago, IL 60605 (312) 663-8000 Illinois, Indiana, Kentucky, Michigan, Ohio, Wisconsin Midwestern District 2345 Grand Avenue Suite 700 Kansas City, MO 64108 (816) 556-1800 Iowa, Kansas, Minnesota, Missouri, Nebraska, North Dakota, South Dakota Northeastern District 1114 Avenue of the Americas Suite 3900 New York, NY 10036 (212) 819-9860 Connecticut, Delaware, District of Columbia, Maine, Maryland, Massachusetts, New Hampshire, New Jersey, New York, Pennsylvania, Puerto Rico, Rhode Island, Vermont Southeastern District Marquis One Tower, Suite 600 245 Peachtree Center Avenue, N.E. Atlanta, GA 30303 (404) 659-8855 Alabama, Florida, Georgia, Mississippi, North Carolina, South Carolina, Tennessee, Virginia, West Virginia Southwestern District 1600 Lincoln Plaza 500 North Akard Dallas, TX 75201-3394 (214) 720-0656 Arkansas, Louisiana, New Mexico, Oklahoma, Texas Western District 50 Fremont Street Suite 3900 San Francisco, CA 94105 (415) 545-5900 Alaska, Arizona, California, Colorado, Hawaii, Idaho, Montana, Nevada, Oregon, Utah, Washington, Wyoming Office of Thrift Supervision Office of Thrift Supervision Attn: HMDA Report 1700 G Street, N.W. Washington, D.C. 20552 (202) 906-6237 Department of Housing and Urban Development U.S. Department of Housing and Urban Development Assistant Secretary for Housing HMDA Reporting-Room 9233 451 7th Street, S.W. Washington, DC 20410 (202) 708-2190 National Credit Union Administration Office of Examination and Insurance 1775 Duke Street Alexandria, VA 22314 (703) 518-6360 50