Home Mortgage Disclosure Act (HMDA): Loan Application Register (LAR) and Transmittal Sheet (TS) Raw Data, 2013 (ICPSR 36173)

Version Date: Aug 5, 2016

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Principal Investigator(s):
Federal Financial Institutions Examination Council (U.S.)

Series:

https://doi.org/10.3886/ICPSR36173.v1

Version V1

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Summary

The Home Mortgage Disclosure Act (HMDA): Loan Application Register (LAR) and Transmittal Sheet (TS) Raw Data, 2013 contains information collected in calendar year 2012. The HMDA, enacted by Congress in 1975, that requires most mortgage lenders located in metropolitan areas to report data about their housing-related lending activity. The HMDA data were collected from 7,400 lending institutions and cover approximately 18.7 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loans and refinancings, including loan originations, loan purchases, and applications that were denied, incomplete, or withdrawn.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 2012. Part 3, HMDA MSA Offices, contains information on all metropolitan statistical areas in the data. Parts 6 through 792 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.

Citation

Federal Financial Institutions Examination Council (U.S.). Home Mortgage Disclosure Act (HMDA): Loan Application Register (LAR) and Transmittal Sheet (TS) Raw Data, 2013. Inter-university Consortium for Political and Social Research [distributor], 2016-08-05. https://doi.org/10.3886/ICPSR36173.v1

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Subject Terms

Geographic Coverage

Smallest Geographic Unit

city

Distributor(s)

Inter-university Consortium for Political and Social Research
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Time Period(s)

2013

Date of Collection

2012

Data Collection Notes

  1. For datasets 6 through 792, ICPSR is releasing the original deposited data files in the condition they were received, along with SPSS, Stata, and SAS setup files.

  2. Please note that 2013 reporting year data are unavailable for PMIC MSA Offices, as well as HMDA and PMIC LAR data for MSA/MD 32420 - MAYAGUEZ, PR and MSA/MD 20120 - DOVER, DE.

  3. 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.

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Sample

HMDA data were collected from 7,400 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.

Time Method

Cross-sectional

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 2013.

Unit(s) of Observation

lending institution, loan transaction

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.

Data Type(s)

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Original Release Date

2016-08-05

Version History

2018-02-15 The citation of this study may have changed due to the new version control system that has been implemented. The previous citation was:
  • Federal Financial Institutions Examination Council (U.S.). Home Mortgage Disclosure Act (HMDA): Loan Application Register (LAR) and Transmittal Sheet (TS) Raw Data, 2013. ICPSR36173-v1. Ann Arbor, MI: Inter-university Consortium for Political and Social Research [distributor], 2016-08-05. http://doi.org/10.3886/ICPSR36173.v1

2016-08-05 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.
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Weight

The data are not weighted and do not contain any weight variables.

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Notes