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Census and HMDA Data Overview

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David Roell edited this page Mar 3, 2021 · 2 revisions

HMDA Census/Demographic File Creation and Validation

HMDA Platform Census Data

OMB Geographic Delineations

Census Delineation Files

The files linked on the site below are the basis for the MSA/MD code to name mapping work. The MSA/MD code to name file is used by the Platform to generate the A&D reports UI. The .xls file that saves from this page has several rows that are deleted before loading it to platform. Temp PR link for use of data file

FFIEC Census Flat File

  • The FFIEC Census Flat File is produced by annually the FRB on behalf of the FFIEC Note: the Census Flat File is indexed starting at 1

Census MSA Name to Code Mapping

HMDA Ops Uses of Census Data

  • Aggregate and Disclosure reports
  • MSA/MD to tract mapping
  • LAR publication with appended Census demographic data

HMDA Data Science Census Tools

Census Fields and Derived or Calculated Fields used in A&D Reports

  • Median Income Percentage: Calculated percent of applicant income to FFIEC MSA/MD median family income
  • Applicant Income as a Percentage of Median Family Income: Bucketized calculation of applicant income and FFIEC MSA/MD median family income
  • Median house age (tract): Field 953 in the FFIEC Census file, mapped from 11 digit Census tract
  • Median age calculated:
  • MSA-MD: Field 2 in the FFIEC Census file, mapped from 11 digit Census tract
  • MSA-MD-Name: From the Census delineation file, mapped from MSA/MD code

Census Fields Appended to public LAR data

These fields are taken from the FFIEC Census Flat File or the Census Delineation Files

  • MSA-MD: Field 2 in the FFIEC Census file, mapped from 11 digit Census tract

  • Total Persons (tract): Field 15 of the FFIEC Census file, mapped from 11 digit Census tract

  • Minority population percent: Field 21 of the FFIEC Census file, mapped from 11 digit Census tract

  • FFIEC MSA/MD Median Family Income: Field 14 of the FFIEC Census File, mapped from 11 digit Census tract

  • Percent of Median MSA Income (tract): Field 13 in the FFIEC Census File, mapped from 11 digit Census tract

  • Total Owner Occupied Housing Units: Field 916 of the FFIEC Census Flat File, mapped from 11 digit Census tract

  • Total 1-4 Family Housing Units: Field 900 of the FFIEC Census Flat File, mapped from 11 digit Census

  • Median family income tract level: Field 580 of FFIEC Census file, mapped from 11 digit Census tract tract (not published but used in calculation of tract to MSA median family income percent)

  • Median house age (tract): Field 953 in the FFIEC Census file, mapped from 11 digit Census tract

Methodology Used to Map Census to LAR data

  • Census geographic hierarchy

  • Census/OMB MSA/MD codes are mapped to to HMDA LAR fields using a map of concatenated County FIPS codes and Census Tract codes.

  • For cases where Census Tract is reported as NA in the HMDA LAR data, the match is done only on County FIPS code.

  • For cases where neither County FIPS code nor Census Tract are reported, the LAR data are not mapped to Census data.

Please note that both County FIPS and Census Tract are strings of numerals that can have left padded zeros.

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