Home Mortgage Disclosure Act (HMDA): Loan Application Register (LAR) and Transmittal Sheet (TS) Raw Data, 2011 (ICPSR 36171)
Version Date: Jul 25, 2016 View help for published
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Federal Financial Institutions Examination Council (U.S.)
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https://doi.org/10.3886/ICPSR36171.v2
Version V2
Summary View help for Summary
The Home Mortgage Disclosure Act (HMDA): Loan Application Register (LAR) and Transmittal Sheet (TS) Raw Data, 2011 contains information collected in calendar year 2010. The HMDA, enacted by Congress in 1975, requires most mortgage lenders located in metropolitan areas to report data about their housing-related lending activity. The HMDA data were collected from 7,923 lending institutions and cover approximately 16.3 million home purchase and home improvement loans and refinancings, including loan originations, loan purchases, and applications that were denied, incomplete, or withdrawn. The Private Mortgage Insurance Companies (PMIC) data refer to applications for mortgage insurance to insure home purchase mortgages and to insure mortgages to refinance existing obligations. Part 1, HMDA Transmittal Sheet (TS), and Part 4, PMIC Transmittal Sheet (TS), include information submitted by reporting institutions with the Loan Application Register (LAR), such as the reporting institution's name, address, and Tax ID. Part 2, HMDA Reporter Panel, and Part 5, PMIC Reporter Panel, contain information on all institutions that reported data for activity year 2010. Part 3, HMDA MSA Offices, and Part 6, PMIC MSA Offices, contain information on all metropolitan statistical areas in the data. Parts 7 through 799 contain HMDA and PMIC Loan Application Register (LAR) files at the national level, at the agency level, and by MSA/MD. With some exceptions, for each transaction the institution reported data about the loan (or application), such as the type and amount of the loan made (or applied for) and, in limited circumstances, its price, the disposition of the application, such as whether it was denied or resulted in an origination of a loan, the property to which the loan relates, such as its type (single-family versus multi-family), and location (including the census tract), the sale of the loan, if it was sold, and the applicant's and co-applicant's ethnicity, race, sex, and income.
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Geographic Coverage View help for Geographic Coverage
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city
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Date of Collection View help for Date of Collection
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For datasets 7 through 799, ICPSR is releasing the original deposited data files in the condition they were received, along with SPSS, Stata, and SAS setup files.
- Additional information about the HMDA can be found at the Home Mortgage Disclosure Act Web site. A glossary of terms used in the data can be found at Home Mortgage Disclosure Act Glossary.
Sample View help for Sample
HMDA data were collected from 7,923 depository and nondepository institutions that were required to report HMDA data if they met the law's criteria for coverage. Generally, whether a lender is covered by HMDA depended on the lender's asset size, its location, and whether it is in the business of residential mortgage lending. PMIC data were collected from eight mortgage insurance companies that insured home purchase mortgages and to insure mortgages to refinance existing obligations. For more information about how respondents reported, please refer to A Guide to HMDA Reporting.
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Universe View help for Universe
Home purchase and home improvement loans and refinancings (or applications) lended or insured by financial institutions in the United States that were required to report HMDA data in 2011.
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Data Source View help for Data Source
The Loan Application Registers (LAR) and Transmittal Sheets (TS) were completed by each financial institution and transmitted to the Federal Financial Institutions Examination Council (FFIEC), where aggregated tables for each metropolitan statistical area were created.
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2016-05-12
Version History View help for Version History
- Federal Financial Institutions Examination Council (U.S.). Home Mortgage Disclosure Act (HMDA): Loan Application Register (LAR) and Transmittal Sheet (TS) Raw Data, 2011. ICPSR36171-v2. Ann Arbor, MI: Inter-university Consortium for Political and Social Research [distributor], 2016-07-25. http://doi.org/10.3886/ICPSR36171.v2
2016-07-25 The study title and collection dates have been revised to reflect the 2010 activity year, with data reported in 2011. Filesets 1 through 6 have also been replaced to correct the study year.
2016-05-12 ICPSR data undergo a confidentiality review and are altered when necessary to limit the risk of disclosure. ICPSR also routinely creates ready-to-go data files along with setups in the major statistical software formats as well as standard codebooks to accompany the data. In addition to these procedures, ICPSR performed the following processing steps for this data collection:
- Created variable labels and/or value labels.
- Checked for undocumented or out-of-range codes.
Notes
These data are freely available to data users at ICPSR member institutions. The curation and dissemination of this study are provided by the institutional members of ICPSR. How do I access ICPSR data if I am not at a member institution?