Appended HMDA Data Fields

This guide explains fields that are included in public HMDA data collected in 2018 and beyond, that have been modified from the original loan record to protect privacy, or added to enhance the usefulness of the data. Derived fields used in HMDA data and publication products, such as Race, Sex, and Ethnicity, were aggregated from the source data, following a methodology developed by the CFPB for analysis and privacy protection, but are not an official and sole government definition. Researchers and technical professionals interested in the methodology can refer to the wiki for Derived Fields Categorization or the Data Disclosure Policy.

Derived HMDA Data Fields

derived_ethnicity

• Description: Single aggregated ethnicity categorization derived from applicant/borrower and co-applicant/co-borrower ethnicity fields
• Field Data Type: Alphanumeric
• Values:
  • Hispanic or Latino
  • Not Hispanic or Latino
  • Joint
  • Ethnicity Not Available
  • Free Form Text Only

derived_race

• Description: Single aggregated race categorization derived from applicant/borrower and co-applicant/co-borrower race fields
• Field Data Type: Alphanumeric
• Values:
  • American Indian or Alaska Native
  • Asian
  • Black or African American
  • Native Hawaiian or Other Pacific Islander
  • White
  • 2 or more minority races
  • Joint
  • Free Form Text Only
  • Race Not Available

derived_sex

• Description: Single aggregated sex categorization derived from applicant/borrower and co-applicant/co-borrower sex fields
• Field Data Type: Alphanumeric
• Values:
  • Male
  • Female
  • Joint
  • Sex Not Available

derived_loan_product_type

• Description: Derived loan product type from Loan Type and Lien Status fields for easier querying of specific records
• Field Data Type: Alphanumeric
• Values:
  • Conventional: First Lien
  • FHA: First Lien
  • VA: First Lien
  • FSA/RHS: First Lien
  • Conventional: Subordinate Lien
  • FHA: Subordinate Lien
  • VA: Subordinate Lien
  • FSA/RHS: Subordinate Lien

derived_dwelling_category

• Description: Derived dwelling type from Construction Method and Total Units fields for easier querying of specific records
• Field Data Type: Alphanumeric
• Values:
  • Single Family (1-4 Units): Site-Built
  • Multifamily: Site-Built
  • Single Family (1-4 Units): Manufactured
  • Multifamily: Manufactured

conforming_loan_limit

• Description: Indicates whether the reported loan amount exceeds the GSE (government sponsored enterprise) conforming loan limit
• Field Data Type: Alphanumeric
• Values:
  • C (Conforming)
  • NC (Nonconforming)
  • U (Undetermined)
  • NA (Not Applicable)

derived_msa-md

• Description: Derived MSA/MD from the property location reported for the record
• Field Data Type: Alphanumeric
• Values:
  • Varying values

applicant_age_above_62

• Description: Whether the applicant or borrower age is 62 or above
• Field Data Type: Alphanumeric
• Values:
  • Yes
  • No
  • NA

co-applicant_age_above_62

• Description: Whether the co-applicant or co-borrower age is 62 or above
• Field Data Type: Alphanumeric
• Values:
  • Yes
  • No
  • NA

Census fields produced by the U.S. Census Bureau and appended to public HMDA Data

tract_population

• Description: Total population in tract
• Values:
  • Varying values

tract_minority_population_percent

• Description: Percentage of minority population to total population for tract, rounded to two decimal places
• Values:
  • Varying values

ffiec_msa_md_median_family_income

• Description: FFIEC Median family income in dollars for the MSA/MD in which the tract is located (adjusted annually by FFIEC)
• Values:
  • Varying values

tract_to_msa_income_percentage

• Description: Percentage of tract median family income compared to MSA/MD median family income
• Values:
  • Varying values

tract_owner_occupied_units

• Description: Number of dwellings, including individual condominiums, that are lived in by the owner
• Values:
  • Varying values

tract_one_to_four_family_homes

• Description: Dwellings that are built to houses with fewer than 5 families
• Values:
  • Varying values

tract_median_age_of_housing_units

• Description: Tract median age of homes
• Values:
  • Varying values