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

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loans and refinancings, including loan originations, loan purchases, and applications that were denied, incomplete, or withdrawn.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.