Financial Services Industry
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Federal Reserve Bulletin, Sept, 2001
Guide to Statistical Releases and Special Tables
STATISTICAL RELEASES--List Published Semiannually, with
Latest Bulletin Reference
Issue Page
Anticipated schedule of release dates for June 2001 A72
periodic releases
SPECIAL TABLES--Data Published Irregularly, with Latest Bulletin
Reference
Title and Date Issue Page
Assets and liabilities of commercial banks
June 30, 2000 November 2000 A64
September 30, 2000 February 2001 A64
December 31, 2000 May 2001 A64
March 31, 2001 August 2001 A64
Terms of lending at commercial banks
August 2000 November 2000 A66
November 2000 February 2001 A66
February 2001 May 2001 A66
May 2001 August 2001 A66
Assets and liabilities of U.S. branches and agencies of foreign banks
June 30, 2000 November 2000 A72
September 30, 2000 February 2001 A72
December 31, 2000 May 2001 A72
March 31, 2001 August 2001 A72
Pro forma balance sheet and income statements for priced
service operations
June 30, 2000 November 2000 A76
September 30, 2000 February 2001 A76
March 31, 2001 August 2001 A76
Residential lending reported under the Home Mortgage Disclosure Act
1999 September 2000 A64
2000 September 2001 A64
Disposition of applications for private mortgage insurance
1999 September 2000 A73
2000 September 2001 A73
Small loans to businesses and farms
1999 September 2000 A76
2000 September 2001 A76
Community development lending reported under the Community
Reinvestment Act
1999 September 2000 A79
2000 September 2001 A79
4.34 RESIDENTIAL LENDING ACTIVITY OF FINANCIAL INSTITUTIONS
COVERED BY HMDA, 1988-2000
Number
Item 1988 1989 1990 1991
1 Loans or applications
(millions)(2) 3.39 3.13 6.59 7.89
2 Reporting institutions 9,319 9,203 9,332 9,358
3 Disclosure reports 13,919 14,154 24,041 25,934
Item 1992 1993 1994 1995
1 Loans or applications
(millions)(2) 12.01 15.38 12.19 11.23
2 Reporting institutions 9,073 9,650 9,858 9,539
3 Disclosure reports 28,782 35,976 38,750 36,611
Item 1996 1997 1998
1 Loans or applications
(millions)(2) 14.81 16.41 24.66
2 Reporting institutions 9,328 7,925 7,836
3 Disclosure reports 42,946 47,416 57,294
Item 1999 2000
1 Loans or applications
(millions)(2) 22.90 19.24
2 Reporting institutions 7,832 7,713
3 Disclosure reports 56,966 52,776
(1.) Before 1990, includes only home purchase, home refinancing,
and home-improvement loans originated by covered institutions;
beginning in 1990 (first year under revised reporting system),
includes such loans originated and purchased, applications approved
but not accepted by the applicant, applications denied or withdrawn,
and applications closed because information was incomplete.
(2.) Revised from preliminary data published in Glenn B. Canner
and Dolores S. Smith, "Home Mortgage Disclosure Act: Expanded Data
on Residential Lending," Federal Reserve Bulletin, vol. 77
(November 1991), p. 861, to reflect corrections and the reporting of
additional data.
SOURCE. FFIEC, Home Mortgage Disclosure Act.
4.35 APPLICATIONS FOR HOME LOANS REPORTED UNDER HMDA, 2000
By Type of Dwelling, Purpose of Loan, and Loan Program
Thousands
Loan program One- to four-family dwellings
Home purchase Home refinancing
1 FHA 1,087.1 99.5
2 VA 209.6 11.2
3 FSA/RHS 22.1 .9
4 Conventional 6,947.8 6,409.8
5 Total 8,266.5 6,521.3
Loan program One- to four-family dwellings
Home improvement All
1 FHA 92.5 1,279.1
2 VA * 221.2
3 FSA/RHS * 23.1
4 Conventional 1,914.5 15,272.1
5 Total 2,007.6 16,795.4
Multi family
Loan program dwellings(1) All
1 FHA 1.3 1,280.4
2 VA * 221.3
3 FSA/RHS * 23.1
4 Conventional 37.3 15,309.4
5 Total 38.8 16,834.2
(*) Fewer than 500.
(1.) Multifamily dwellings are those for five or more families.
SOURCE. FFIEC, Home Mortgage Disclosure Act.
4.36 HOME LOANS ORIGINATED BY LENDERS REPORTED UNDER HMDA, 2000
By Type of Dwelling, Purpose of Loan, and Type of Lender
Percent
One- to four-family dwellings
Type of lender Home purchase
FHA-insured VA-
guaranteed
1 Commercial bank 9.0 11.6
2 Savings association 4.3 4.6
3 Credit union .2 2.3
4 Mortgage company(2) 86.6 81.5
5 Total 100 100
MEMO
Distribution of loans
6 Number 786,989 165,145
7 Percent 9.7 2.0
One- to four-family dwellings
Type of lender Home purchase
FSA/RHS Conventional All
1 Commercial bank 15.4 26.3 22.9
2 Savings association 4.8 14.2 12.2
3 Credit union .4 2.2 1.8
4 Mortgage company(2) 79.4 57.4 63.1
5 Total 100 100 100
MEMO
Distribution of loans
6 Number 16,315 3,814,508 4,782,957
7 Percent .2 46.9 58.8
One- to four-family dwellings
Type of lender Home Home
refinancing improvement All
1 Commercial bank 34.9 64.8 31.1
2 Savings association 11.9 8.5 11.7
3 Credit union 3.5 15.0 3.8
4 Mortgage company(2) 49.7 11.7 53.4
5 Total 100 100 100
MEMO
Distribution of loans
6 Number 2,433,619 893,097 8,109,673
7 Percent 29.9 11.0 99.7
Type of lender Multifamily
dwellings(1) All
1 Commercial bank 53.7 31.2
2 Savings association 32.9 11.8
3 Credit union .4 3.8
4 Mortgage company(2) 13.1 53.3
5 Total 100 100
MEMO
Distribution of loans
6 Number 27,846 8,137,519
7 Percent .3 100.0
[*] Less than .05 percent.
(1.) Multifamily dwellings are those for five or more families.
(2.) Comprises all covered mortgage companies, including
those affiliated with a commercial bank, savings association,
or credit union.
SOURCE. FFIEC, Home Mortgage Disclosure Act.
4.37 APPLICATIONS FOR LOANS FOR ONE- TO FOUR-FAMILY HOMES REPORTED
UNDER HMDA, 2000
By Purpose of Loan and Characteristics of Applicant and Census Tract
Home purchase
Government-backed
Characteristic
MEMO
Percentage of
Number Percent characteristic's
home purchase
loans
APPLICANT
Racial/ethnic identity
1 American Indian or
Alaskan Native 7,454 .6 13.5
2 Asian or Pacific
Islander 20,906 1.7 8.5
3 Black 186,817 15.6 26.5
4 Hispanic 205,480 17.1 30.9
5 White 732,875 61.0 14.3
6 Other 13,170 1.1 12.6
7 All 34,276 2.9 21.5
8 Total 1,200,978 100.0 17.0
Income (percentage of
MSA median)(2)
9 Less than 50 142,472 12.6 20.2
10 50-79 385,395 34.2 26.9
11 80-99 228,968 20.3 25.9
12 100-119 154,473 13.7 21.4
13 120 or more 215,686 19.1 9.1
14 Total 1,126,994 100.0 18.4
CENSUS TRACT
Racial/ethnic
composition
(minorities as
percentage of
population)
15 Less than 10 416,921 37.4 14.7
16 10-19 253,080 22.7 18.5
17 20-49 282,407 25.3 21.9
18 50-79 93,300 8.4 22.3
19 80-100 70,340 6.3 23.9
20 Total 1,116,048 100.0 18.0
Income(3)
21 Low 24,627 2.2 17.5
22 Moderate 191,963 17.0 22.2
23 Middle 656,944 58.1 20.5
24 Upper 257,774 22.8 12.8
25 Total 1,131,308 100.0 18.2
Location (4)
26 Central city 513,252 44.8 20.0
27 Non-central city 633,644 55.2 16.9
28 Total 1,146,896 100.0 18.1
Home purchase
Conventional
Characteristic
MEMO
Percentage of
Number Percent characteristic's
home purchase
loans
APPLICANT
Racial/ethnic identity
1 American Indian or
Alaskan Native 47,799 .8 86.5
2 Asian or Pacific
Islander 223,773 3.8 91.5
3 Black 518,275 8.9 73.5
4 Hispanic 460,171 7.9 69.1
5 White 4,388,618 75.0 85.7
6 Other 91,235 1.6 87.4
7 All 124,844 2.1 78.5
8 Total 5,854,715 100.0 83.0
Income (percentage of
MSA median)(2)
9 Less than 50 562,068 11.2 79.8
10 50-79 1,046,000 20.9 73.1
11 80-99 656,582 13.1 74.1
12 100-119 568,380 11.4 78.6
13 120 or more 2,166,658 43.3 90.9
14 Total 4,999,688 100.0 81.6
CENSUS TRACT
Racial/ethnic
composition
(minorities as
percentage of
population)
15 Less than 10 2,411,340 47.4 85.3
16 10-19 1,118,241 22.0 81.5
17 20-49 1,005,748 19.8 78.1
18 50-79 324,980 6.4 77.7
19 80-100 223,384 4.4 76.1
20 Total 5,083,693 100.0 82.0
Income(3)
21 Low 116,340 2.3 82.5
22 Moderate 671,843 13.2 77.8
23 Middle 2,553,333 50.1 79.5
24 Upper 1,755,937 34.4 87.2
25 Total 5,097,453 100.0 81.8
Location (4)
26 Central city 2,053,454 39.7 80.0
27 Non-central city 3,118,740 60.3 83.1
28 Total 5,172,194 100.0 81.9
Home refinancing Home improvement
Characteristic
Number Percent Number Percent
APPLICANT
Racial/ethnic identity
1 American Indian or
Alaskan Native 21,184 .6 7,936 .6
2 Asian or Pacific
Islander 95,747 2.5 24,299 2.0
3 Black 495,314 12.9 149,040 12.2
4 Hispanic 310,589 8.1 115,855 9.4
5 White 2,779,186 72.5 893,461 72.9
6 Other 64,978 1.7 11,897 1.0
7 All 66,396 1.7 23,935 2.0
8 Total 3,833,394 100.0 1,226,423 100.0
Income (percentage of
MSA median)(2)
9 Less than 50 697,289 14.9 231,532 14.6
10 50-79 1,151,623 24.6 365,830 23.0
11 80-99 705,037 15.1 234,603 14.7
12 100-119 566,507 12.1 196,545 12.4
13 120 or more 1,560,486 33.3 562,750 35.4
14 Total 4,680,942 100.0 1,591,260 100.0
CENSUS TRACT
Racial/ethnic
composition
(minorities as
percentage of
population)
15 Less than 10 2,300,149 44.6 774,994 48.0
16 10-19 944,410 18.3 300,773 18.6
17 20-49 981,107 19.0 285,241 17.7
18 50-79 433,924 8.4 115,945 7.2
19 80-100 494,052 9.6 138,128 8.6
20 Total 5,153,642 100.0 1,615,081 100.0
Income(3)
21 Low 207,731 4.0 60,449 3.7
22 Moderate 928,179 17.9 278,780 16.9
23 Middle 2,748,929 53.0 874,191 53.1
24 Upper 1,301,731 25.1 432,953 26.3
25 Total 5,186,570 100.0 1,646,373 100.0
Location (4)
26 Central city 2,208,142 41.9 690,645 41.3
27 Non-central city 3,056,383 58.1 983,579 58.7
28 Total 5,264,525 100.0 1,674,224 100.0
NOTE. Lenders reported 16,842,555 applications for home loans in 2000.
Not all characteristics were reported for all applications; thus,
the number of applications being distributed by
characteristic varies by characteristic.
(1.) Loans backed by the Federal Housing Administration, the
Department of Veterans Affairs, or the Farmers Home Administration.
(2.) Median family income of the metropolitan statistical area
(MSA) in which the property related to the loan is located.
(3.) Census tracts are categorized by the median family income
for the tract relative to the median family income for the MSA in
which the tract is located. Categories are defined as follows:
Low income, median family income for census tract less than
50 percent of median family income for MSA; Moderate income,
median family income for census tract at least 50 and less than
80 percent of MSA median; Middle income, median family income
at least 80 percent and less than 120 percent of MSA median;
Upper income, median family income 120 percent and greater
of MSA median.
(4.) For census tracts located in MSAs.
SOURCE. FFIEC, Home Mortgage Disclosure Act.
4.38 APPLICATIONS FOR LOANS FOR ONE- TO FOUR-FAMILY HOMES REPORTED
UNDER HMDA, 2000
By Purpose of Loan, with Denial Rate, and by Characteristic of
Applicant
Home purchase
Applicant
characteristic(1) Government-backed(2)
Distribution Denial rate
American Indian or Alaskan Native
1 One male 35.50 15.70
2 Two males 1.90 12.60
3 One female 27.60 17.00
4 Two females 2.00 22.20
5 One male and one female 33.10 16.00
6 Total(3) 100.00 14.00
Asian or Pacific Islander
7 One male 25.80 9.80
8 Two males 4.30 8.90
9 One female 17.50 12.00
10 Two females 2.80 9.80
11 One male and one female 49.70 9.30
12 Total(3) 100.00 9.80
Black
13 One male 28.40 15.00
14 Two males 1.10 14.50
15 One female 38.20 15.50
16 Two females 2.70 17.90
17 One male and one female 29.60 15.50
18 Total(3) 100.00 15.40
Hispanic
19 One male 28.60 11.20
20 Two males 6.70 10.00
21 One female 14.70 11.90
22 Two females 2.50 12.00
23 One male and one female 47.50 10.60
24 Total(3) 100.00 11.00
White
25 One male 29.00 10.60
26 Two males 1.80 9.20
27 One female 18.60 10.80
28 Two females 1.40 10.40
29 One male and one female 49.30 8.90
30 Total(3) 100.00 9.80
All
31 One male 28.80 11.40
32 Two males 2.60 9.90
33 One female 21.10 12.40
34 Two females 1.90 12.60
35 One male and one female 45.70 9.90
36 Total(3) 100.00 10.90
Home purchase
Applicant
characteristic(1) Conventional
Distribution Denial rate
American Indian or Alaskan Native
1 One male 33.90 40.30
2 Two males 6.60 12.30
3 One female 28.90 48.40
4 Two females 2.90 43.40
5 One male and one female 27.80 44.60
6 Total(3) 100.00 41.80
Asian or Pacific Islander
7 One male 25.80 14.30
8 Two males 2.20 14.70
9 One female 18.20 15.30
10 Two females 1.50 14.00
11 One male and one female 52.10 10.20
12 Total(3) 100.00 12.40
Black
13 One male 31.10 43.60
14 Two males 1.30 40.10
15 One female 39.60 47.40
16 Two females 2.70 55.70
17 One male and one female 25.30 40.10
18 Total(3) 100.00 44.60
Hispanic
19 One male 34.90 34.50
20 Two males 3.20 34.30
21 One female 19.80 33.00
22 Two females 1.80 37.90
23 One male and one female 40.20 27.20
24 Total(3) 100.00 31.40
White
25 One male 27.10 27.00
26 Two males 1.60 23.20
27 One female 19.60 27.70
28 Two females 1.20 31.50
29 One male and one female 50.40 17.40
30 Total(3) 100.00 22.30
All
31 One male 28.10 29.10
32 Two males 1.70 25.20
33 One female 21.50 31.30
34 Two females 1.40 35.80
35 One male and one female 47.20 19.00
36 Total(3) 100.00 24.90
Applicant Home refinancing
characteristic(1)
Distribution Denial rate
American Indian or Alaskan Native
1 One male 35.10 32.30
2 Two males 3.00 22.20
3 One female 27.60 29.70
4 Two females 1.50 27.40
5 One male and one female 32.80 28.60
6 Total(3) 100.00 30.00
Asian or Pacific Islander
7 One male 22.70 25.70
8 Two males 1.50 21.60
9 One female 20.00 24.10
10 Two females 1.20 24.50
11 One male and one female 54.60 20.00
12 Total(3) 100.00 22.20
Black
13 One male 28.40 34.80
14 Two males 1.30 24.20
15 One female 37.00 33.90
16 Two females 1.80 33.00
17 One male and one female 31.60 32.40
18 Total(3) 100.00 33.60
Hispanic
19 One male 26.20 29.90
20 Two males 2.20 27.70
21 One female 19.00 27.40
22 Two females 1.50 27.50
23 One male and one female 51.00 25.40
24 Total(3) 100.00 27.10
White
25 One male 25.70 24.50
26 Two males 1.50 17.70
27 One female 18.20 22.90
28 Two females .90 21.70
29 One male and one female 53.70 18.90
30 Total(3) 100.00 21.10
All
31 One male 26.10 26.50
32 Two males 1.50 19.80
33 One female 20.90 25.90
34 Two females 1.10 25.00
35 One male and one female 50.40 20.70
36 Total(3) 100.00 23.30
Applicant Home improvement
characteristic(1)
Distribution Denial rate
American Indian or Alaskan Native
1 One male 35.40 35.30
2 Two males 3.70 17.00
3 One female 28.00 36.90
4 Two females 1.90 32.90
5 One male and one female 31.00 28.60
6 Total(3) 100.00 33.00
Asian or Pacific Islander
7 One male 26.40 33.60
8 Two males 2.30 21.50
9 One female 19.70 33.30
10 Two females 1.50 33.30
11 One male and one female 50.10 22.30
12 Total(3) 100.00 27.60
Black
13 One male 28.30 44.70
14 Two males 1.10 38.70
15 One female 40.60 45.90
16 Two females 2.00 47.60
17 One male and one female 28.10 42.60
18 Total(3) 100.00 44.60
Hispanic
19 One male 34.70 44.80
20 Two males 1.70 39.50
21 One female 23.00 45.00
22 Two females 1.20 41.70
23 One male and one female 39.40 37.90
24 Total(3) 100.00 42.00
White
25 One male 24.50 25.90
26 Two males 1.10 22.70
27 One female 18.90 25.90
28 Two females 1.00 31.20
29 One male and one female 54.50 17.80
30 Total(3) 100.00 21.50
All
31 One male 26.10 31.10
32 Two males 1.20 26.50
33 One female 22.10 32.70
34 Two females 1.20 35.80
35 One male and one female 49.50 21.20
36 Total(3) 100.00 26.60
(1.) Applicants are categorized by race of first applicant listed
on Loan Application Register, except for joint white and minority
applications, which are not shown in this table.
(2.) Loans backed by the Federal Housing Administration,
the Department of Veterans Affairs, or the Farmers Home Administration.
(3.) Includes all applicants from racial or ethnic group regardless
of whether gender was reported.
SOURCE. FFIEC, Home Mortgage Disclosure Act.
4.39 APPLICATIONS FOR HOME LOANS REPORTED UNDER HMDA,
2000 By Loan Program and Size of Dwelling
Percent
One- to four-family dwellings
Home purchase
Type of loan
program
Approved Approved
and but not Denied
accepted accepted
1 FHA 72.4 6.0 11.1
2 VA 78.8 3.6 7.9
3 FSA/RHS 73.8 2.4 13.7
4 Conventional 54.9 9.6 26.7
5 All 57.9 9.0 24.1
One- to four-family dwellings
Home purchase
Type of loan
program
Withdrawn File closed Total
1 FHA 8.7 1.7 100
2 VA 8.3 1.5 100
3 FSA/RHS 8.7 1.4 100
4 Conventional 7.0 1.8 100
5 All 7.3 1.8 100
One- to four-family dwellings
Home refinancing
Type of loan
program
Approved Approved
and but not Denied
accepted accepted
1 FHA 58.3 7.1 15.0
2 VA 62.7 6.9 13.6
3 FSA/RHS 42.7 4.7 23.3
4 Conventional 36.9 10.0 31.3
5 All 37.3 9.9 31.0
One- to four-family dwellings
Home refinancing
Type of loan
program
Withdrawn File closed Total
1 FHA 14.7 4.8 100
2 VA 11.6 5.1 100
3 FSA/RHS 27.9 1.4 100
4 Conventional 16.6 5.2 100
5 All 16.5 5.2 100
One- to four-family dwellings
Home improvement
Approved Approved
and but not Denied
accepted accepted
1 FHA 12.3 13.2 67.9
2 VA 54.3 12.1 22.7
3 FSA/RHS 61.2 8.7 23.3
4 Conventional 46.0 14.0 33.3
5 All 44.5 13.9 34.9
One- to four-family dwellings
Home improvement
Withdrawn File closed Total
1 FHA 6.5 .1 100
2 VA 9.7 1.2 100
3 FSA/RHS 6.8 (*) 100
4 Conventional 5.8 .9 100
5 All 5.9 .9 100
One- to four-family dwellings
Multifamily dwellings(1)
Approved Approved
and but not Denied
accepted accepted
1 FHA 55.2 3.6 31.9
2 VA 56.9 (*) 20.7
3 FSA/RHS 80.0 (*) 10.0
4 Conventional 72.4 2.6 12.7
5 All 71.8 2.6 13.4
Withdrawn File closed Total
1 FHA 5.7 3.6 100
2 VA 17.2 5.2 100
3 FSA/RHS 10.0 (*) 100
4 Conventional 8.6 3.6 100
5 All 8.6 3.6 100
NOTE. Loans approved and accepted were approved by the lender
and accepted by the applicant. Loans approved but not accepted
were approved by the lender but not accepted by the applicant.
Applications denied were denied by the lender, and applications
withdrawn were withdrawn by the applicant. When an application
was left incomplete by the applicant, the lender reported
file closed and took no further action.
(*) Less than .05 percent.
(1.) Multifamily dwellings are those for five or more families.
SOURCE. FFIEC, Home Mortgage Disclosure Act.
4.40 APPLICATIONS FOR ONE- TO FOUR-FAMILY HOME LOANS REPORTED
UNDER HMDA, 2000
By Disposition of Loan and Characteristics of Applicant
and Census Tract
A. Home Purchase Loans
Percent
Government-backed(1)
Characteristic
Approved Denied Withdrawn
APPLICANT
Racial or ethnic identity
1 American Indian or
Alaskan Native 75.1 14.0 8.9
2 Asian or Pacific Islander 79.9 9.8 8.6
3 Black 73.7 15.4 8.9
4 Hispanic 77.8 11.0 9.1
5 White 81.5 9.8 7.4
6 Other 70.9 11.5 11.8
7 Joint(2) 81.8 9.3 7.5
Income ratio (percentage
of MSA median)(3)
8 Less than 50 73.2 16.2 8.6
9 American Indian or
Alaskan Native 69.9 17.5 9.8
10 Asian or Pacific
Islander 74.0 15.3 8.7
11 Black 70.0 18.8 8.9
12 Hispanic 75.0 14.3 8.4
13 White 74.8 15.9 7.6
14 Other 68.5 17.0 10.3
15 Joint(2) 69.3 19.5 8.4
16 50-79 80.9 10.1 7.4
17 American Indian or
Alaskan Native 79.8 10.9 7.7
18 Asian or Pacific
Islander 80.6 9.9 7.6
19 Black 77.1 13.2 7.9
20 Hispanic 80.1 10.6 7.4
21 White 83.1 9.1 6.5
22 Other 75.9 10.2 8.5
23 Joint(2) 80.5 10.9 7.2
24 80-119 83.2 8.1 7.3
25 American Indian or
Alaskan Native 83.4 8.4 6.9
26 Asian or Pacific
Islander 82.8 7.7 8.1
27 Black 78.5 11.7 8.1
28 Hispanic 80.3 9.9 7.9
29 White 85.8 7.0 6.1
30 Other 59.4 7.9 8.7
31 Joint(2) 84.4 7.9 6.6
32 120 or more 83.1 7.1 8.1
33 American Indian or
Alaskan Native 82.8 8.3 7.5
34 Asian or Pacific
Islander 81.2 8.5 8.6
35 Black 78.4 11.0 8.7
36 Hispanic 78.2 8.6 10.4
37 White 86.2 6.2 6.3
38 Other 72.5 9.2 12.2
39 Joint(2) 85.2 6.9 6.9
CENSUS TRACT
Racial or ethnic
composition
(minorities as
percentage of
population)
40 Less than 10 83.5 8.6 6.7
41 10-19 82.0 8.9 7.6
42 20-49 79.9 9.9 8.5
43 50-79 75.7 12.3 9.7
44 80-100 72.4 14.1 10.8
Income(4)
45 Low 71.1 15.2 10.9
46 Moderate 77.5 11.9 8.6
47 Middle 81.5 9.4 7.6
48 Upper 82.6 7.9 7.9
Location(5)
49 Central city 79.8 10.2 8.3
50 Non-central city 81.5 141.2 78.0
Government-backed(1)
Characteristic
File closed Total
APPLICANT
Racial or ethnic identity
1 American Indian or
Alaskan Native 1.9 100
2 Asian or Pacific Islander 1.8 100
3 Black 2.0 100
4 Hispanic 2.2 100
5 White 1.4 100
6 Other 5.8 100
7 Joint(2) 1.3 100
Income ratio (percentage
of MSA median)(3)
8 Less than 50 2.0 100
9 American Indian or
Alaskan Native 2.8 100
10 Asian or Pacific
Islander 2.0 100
11 Black 2.3 100
12 Hispanic 2.2 100
13 White 1.7 100
14 Other 4.3 100
15 Joint(2) 2.8 100
16 50-79 1.6 100
17 American Indian or
Alaskan Native 1.6 100
18 Asian or Pacific
Islander 1.9 100
19 Black 1.8 100
20 Hispanic 2.0 100
21 White 1.3 100
22 Other 5.4 100
23 Joint(2) 1.4 100
24 80-119 1.4 100
25 American Indian or
Alaskan Native 1.3 100
26 Asian or Pacific
Islander 1.4 100
27 Black 1.8 100
28 Hispanic 1.9 100
29 White 1.2 100
30 Other 4.3 100
31 Joint(2) 1.1 100
32 120 or more 1.7 100
33 American Indian or
Alaskan Native 1.5 100
34 Asian or Pacific
Islander 1.8 100
35 Black 2.0 100
36 Hispanic 2.8 100
37 White 1.3 100
38 Other 6.1 100
39 Joint(2) 1.0 100
CENSUS TRACT
Racial or ethnic
composition
(minorities as
percentage of
population)
40 Less than 10 1.3 100
41 10-19 1.5 100
42 20-49 1.7 100
43 50-79 2.2 100
44 80-100 2.7 100
Income(4)
45 Low 2.8 100
46 Moderate 2.0 100
47 Middle 1.5 100
48 Upper 1.5 100
Location(5)
49 Central city 1.7 100
50 Non-central city 25.4 100
Conventional
Characteristic
Approved Denied Withdrawn
APPLICANT
Racial or ethnic identity
1 American Indian or
Alaskan Native 51.3 41.8 5.4
2 Asian or Pacific Islander 77.2 12.4 8.1
3 Black 44.8 44.6 8.0
4 Hispanic 58.6 31.4 7.5
5 White 70.1 22.3 6.1
6 Other 58.7 31.8 7.6
7 Joint(2) 70.4 21.0 6.9
Income ratio (percentage
of MSA median)(3)
8 Less than 50 49.3 43.1 5.9
9 American Indian or
Alaskan Native 56.7 36.7 4.9
10 Asian or Pacific
Islander 69.3 20.0 8.1
11 Black 44.3 45.3 7.5
12 Hispanic 53.3 38.2 6.3
13 White 56.1 37.7 4.9
14 Other 47.1 43.9 6.9
15 Joint(2) 52.5 39.9 5.8
16 50-79 64.2 27.4 6.5
17 American Indian or
Alaskan Native 61.7 31.0 5.2
18 Asian or Pacific
Islander 77.3 13.3 7.3
19 Black 52.9 35.0 8.6
20 Hispanic 61.2 29.3 7.0
21 White 70.9 22.0 5.6
22 Other 63.3 27.4 7.2
23 Joint(2) 62.9 28.8 6.7
24 80-119 73.0 18.0 7.0
25 American Indian or
Alaskan Native 67.8 22.8 7.2
26 Asian or Pacific
Islander 78.5 11.4 7.7
27 Black 58.1 29.0 9.4
28 Hispanic 65.7 23.5 8.1
29 White 78.4 14.0 6.0
30 Other 18.6 5.1 2.2
31 Joint(2) 73.4 18.0 6.8
32 120 or more 80.6 10.4 7.0
33 American Indian or
Alaskan Native 74.5 15.1 8.3
34 Asian or Pacific
Islander 80.0 10.0 7.7
35 Black 65.3 22.0 9.6
36 Hispanic 72.3 16.1 8.6
37 White 84.0 8.4 6.1
38 Other 76.0 12.9 8.8
39 Joint(2) 82.0 9.4 6.8
CENSUS TRACT
Racial or ethnic
composition
(minorities as
percentage of
population)
40 Less than 10 75.4 17.0 6.2
41 10-19 72.7 18.0 7.3
42 20-49 67.7 22.0 8.0
43 50-79 62.3 26.3 8.7
44 80-100 54.4 32.2 10.2
Income(4)
45 Low 54.1 33.4 9.5
46 Moderate 60.5 29.6 7.8
47 Middle 70.0 21.3 6.9
48 Upper 79.2 11.8 7.1
Location(5)
49 Central city 69.5 20.9 7.5
50 Non-central city 72.7 18.6 6.9
Conventional
Characteristic
File closed Total
APPLICANT
Racial or ethnic identity
1 American Indian or
Alaskan Native 1.5 100
2 Asian or Pacific Islander 2.3 100
3 Black 2.6 100
4 Hispanic 2.4 100
5 White 1.4 100
6 Other 1.9 100
7 Joint(2) 1.7 100
Income ratio (percentage
of MSA median)(3)
8 Less than 50 1.6 100
9 American Indian or
Alaskan Native 1.7 100
10 Asian or Pacific
Islander 2.6 100
11 Black 2.8 100
12 Hispanic 2.2 100
13 White 1.2 100
14 Other 2.1 100
15 Joint(2) 1.7
16 50-79 1.9 100
17 American Indian or
Alaskan Native 2.2 100
18 Asian or Pacific
Islander 2.1 100
19 Black 3.5 100
20 Hispanic 2.5 100
21 White 1.5 100
22 Other 2.1 100
23 Joint(2) 1.6 100
24 80-119 2.0 100
25 American Indian or
Alaskan Native 2.2 100
26 Asian or Pacific
Islander 2.4 100
27 Black 3.5 100
28 Hispanic 2.7 100
29 White 1.6 100
30 Other .6 100
31 Joint(2) 1.8 100
32 120 or more 1.9 100
33 American Indian or
Alaskan Native 2.1 100
34 Asian or Pacific
Islander 2.3 100
35 Black 3.1 100
36 Hispanic 3.1 100
37 White 1.6 100
38 Other 2.4 100
39 Joint(2) 1.7 100
CENSUS TRACT
Racial or ethnic
composition
(minorities as
percentage of
population)
40 Less than 10 1.5 100
41 10-19 2.0 100
42 20-49 2.3 100
43 50-79 2.8 100
44 80-100 3.2 100
Income(4)
45 Low 3.0 100
46 Moderate 2.2 100
47 Middle 1.8 100
48 Upper 1.9 100
Location(5)
49 Central city 2.1 100
50 Non-central city 1.8 100
B. Home Refinancing and Home Improvement Loans
Percent
Home refinancing
Characteristic
Approved Denied Withdrawn
APPLICANT
Racial or ethnic identity
1 American Indian or
Alaskan Native 48.7 30.0 12.7
2 Asian or Pacific Islander 57.8 22.2 11.5
3 Black 44.5 33.6 12.7
4 Hispanic 51.5 27.1 12.7
5 White 62.3 21.1 10.9
6 Other 36.7 35.5 24.6
7 Joint(2) 61.8 21.8 10.6
Income ratio (percentage
of MSA median)(3)
8 Less than 50 38.9 37.9 16.3
9 American Indian or
Alaskan Native 37.6 35.1 15.3
10 Asian or Pacific
Islander 41.5 28.2 16.2
11 Black 39.9 36.2 12.9
12 Hispanic 40.2 33.2 14.4
13 White 50.4 27.6 13.3
14 Other 20.0 46.5 31.1
15 Joint(2) 47.0 29.5 13.8
16 50-79 46.4 31.9 15.3
17 American Indian or
Alaskan Native 47.0 29.4 12.6
18 Asian or Pacific
Islander 51.0 24.4 13.8
19 Black 43.4 33.9 12.7
20 Hispanic 47.5 29.5 13.0
21 White 57.6 23.3 11.8
22 Other 30.7 39.8 26.2
23 Joint(2) 53.3 26.5 11.9
24 80-119 51.8 28.1 14.4
25 American Indian or
Alaskan Native 50.0 29.2 11.4
26 Asian or Pacific
Islander 56.7 22.9 11.8
27 Black 45.6 32.8 12.3
28 Hispanic 50.1 28.1 12.4
29 White 62.2 20.5 10.9
30 Other 3.3 3.0 1.7
31 Joint(2) 59.5 22.8 10.8
32 120 or more 60.1 22.6 12.5
33 American Indian or
Alaskan Native 54.1 26.4 12.0
34 Asian or Pacific
Islander 63.7 20.6 9.6
35 Black 49.8 30.7 11.5
36 Hispanic 58.9 22.5 11.3
37 White 69.0 17.2 9.1
38 Other 52.3 27.5 16.3
39 Joint(2) 66.9 18.9 9.4
CENSUS TRACT
Racial or ethnic
composition
(minorities as
percentage of
population)
40 Less than 10 52.3 27.5 15.5
41 10-19 48.6 29.7 16.4
42 20-49 44.1 33.1 17.0
43 50-79 40.4 35.1 17.4
44 80-100 37.3 37.5 18.0
Income(4)
45 Low 38.5 38.1 17.1
46 Moderate 41.7 35.3 17.0
47 Middle 47.4 30.7 16.5
48 Upper 54.3 25.2 15.4
Location(5)
49 Central city 45.7 32.0 16.5
50 Non-central city 49.3 29.3 16.2
Home refinancing
Characteristic
File closed Total
APPLICANT
Racial or ethnic identity
1 American Indian or
Alaskan Native 8.7 100
2 Asian or Pacific Islander 8.4 100
3 Black 9.2 100
4 Hispanic 8.7 100
5 White 5.7 100
6 Other 3.3 100
7 Joint(2) 5.8 100
Income ratio (percentage
of MSA median)(3)
8 Less than 50 7.0 100
9 American Indian or
Alaskan Native 12.0 100
10 Asian or Pacific
Islander 14.2 100
11 Black 11.0 100
12 Hispanic 12.3 100
13 White 8.6 100
14 Other 2.5 100
15 Joint(2) 9.6 100
16 50-79 6.3 100
17 American Indian or
Alaskan Native 11.0 100
18 Asian or Pacific
Islander 10.7 100
19 Black 10.1 100
20 Hispanic 10.1 100
21 White 7.3 100
22 Other 3.3 100
23 Joint(2) 8.3 100
24 80-119 5.7 100
25 American Indian or
Alaskan Native 9.4 100
26 Asian or Pacific
Islander 8.6 100
27 Black 9.3 100
28 Hispanic 9.4 100
29 White 6.4 100
30 Other .3 100
31 Joint(2) 6.9 100
32 120 or more 4.7 100
33 American Indian or
Alaskan Native 7.6 100
34 Asian or Pacific
Islander 6.1 100
35 Black 8.1 100
36 Hispanic 7.3 100
37 White 4.7 100
38 Other 3.9 100
39 Joint(2) 4.7 100
CENSUS TRACT
Racial or ethnic
composition
(minorities as
percentage of
population)
40 Less than 10 4.7 100
41 10-19 5.4 100
42 20-49 5.9 100
43 50-79 7.0 100
44 80-100
Income(4) 7.2 100
45 Low 6.2 100
46 Moderate 6.0 100
47 Middle 5.4 100
48 Upper 5.1 100
Location(5)
49 Central city 5.7 100
50 Non-central city 5.3 100
Home improvement
Characteristic
Approved Denied Withdrawn
APPLICANT
Racial or ethnic identity
1 American Indian or
Alaskan Native 62.0 33.0 4.3
2 Asian or Pacific Islander 66.5 27.6 4.5
3 Black 52.0 44.6 3.1
4 Hispanic 53.7 42.0 3.4
5 White 74.8 21.5 3.3
6 Other 59.7 33.5 5.9
7 Joint(2) 71.8 24.2 3.5
Income ratio (percentage
of MSA median)(3)
8 Less than 50 44.6 50.3 4.5
9 American Indian or
Alaskan Native 52.6 43.1 3.4
10 Asian or Pacific
Islander 50.1 44.6 4.6
11 Black 47.1 49.6 2.9
12 Hispanic 42.6 54.0 2.9
13 White 62.7 33.7 3.3
14 Other 44.3 49.5 5.5
15 Joint(2) 53.0 43.1 3.4
16 50-79 52.6 41.7 4.9
17 American Indian or
Alaskan Native 60.1 34.3 4.7
18 Asian or Pacific
Islander 58.4 35.8 4.5
19 Black 50.2 46.5 3.0
20 Hispanic 48.7 47.5 3.2
21 White 69.3 27.1 3.2
22 Other 51.3 41.7 6.3
23 Joint(2) 60.7 34.8 4.1
24 80-119 61.0 32.9 5.3
25 American Indian or
Alaskan Native 66.3 29.0 4.3
26 Asian or Pacific
Islander 67.3 27.2 4.3
27 Black 54.9 41.8 2.8
28 Hispanic 55.2 40.8 3.2
29 White 75.3 21.0 3.2
30 Other 2.5 1.3 .2
31 Joint(2) 68.9 27.3 3.3
32 120 or more 69.6 23.4 5.9
33 American Indian or
Alaskan Native 72.0 22.5 4.5
34 Asian or Pacific
Islander 72.8 21.1 4.3
35 Black 60.9 35.6 3.0
36 Hispanic 61.8 33.1 3.5
37 White 81.4 14.6 3.4
38 Other 70.7 23.6 4.5
39 Joint(2) 77.3 18.7 3.5
CENSUS TRACT
Racial or ethnic
composition
(minorities as
percentage of
population)
40 Less than 10 65.1 28.1 5.9
41 10-19 59.3 33.4 6.2
42 20-49 52.7 40.3 6.0
43 50-79 46.2 46.9 6.0
44 80-100 42.5 51.0 5.6
Income(4)
45 Low 42.0 51.8 5.4
46 Moderate 48.2 45.6 5.4
47 Middle 58.7 34.7 5.7
48 Upper 65.9 26.4 6.5
Location(5)
49 Central city 54.6 39.0 5.6
50 Non-central city 60.8 32.2 6.0
Home improvement
Characteristic
File closed Total
APPLICANT
Racial or ethnic identity
1 American Indian or
Alaskan Native .7 100
2 Asian or Pacific Islander 1.4 100
3 Black .4 100
4 Hispanic .9 100
5 White .4 100
6 Other .9 100
7 Joint(2) .5 100
Income ratio (percentage
of MSA median)(3)
8 Less than 50 .6 100
9 American Indian or
Alaskan Native .9 100
10 Asian or Pacific
Islander .7 100
11 Black .3 100
12 Hispanic .5 100
13 White .3 100
14 Other .6 100
15 Joint(2) .4 100
16 50-79 .7 100
17 American Indian or
Alaskan Native .9 100
18 Asian or Pacific
Islander 1.3 100
19 Black .4 100
20 Hispanic .6 100
21 White .4 100
22 Other .7 100
23 Joint(2) .5 100
24 80-119 .8 100
25 American Indian or
Alaskan Native .4 100
26 Asian or Pacific
Islander 1.2 100
27 Black .4 100
28 Hispanic .7 100
29 White .5 100
30 Other .0 100
31 Joint(2) .4 100
32 120 or more 1.1 100
33 American Indian or
Alaskan Native 1.1 100
34 Asian or Pacific
Islander 1.8 100
35 Black .5 100
36 Hispanic 1.6 100
37 White .5 100
38 Other 1.3 100
39 Joint(2) .5 100
CENSUS TRACT
Racial or ethnic
composition
(minorities as
percentage of
population)
40 Less than 10 .8 100
41 10-19 1.0 100
42 20-49 1.0 100
43 50-79 .9 100
44 80-100 .8 100
Income(4)
45 Low .8 100
46 Moderate .7 100
47 Middle .8 100
48 Upper 1.2 100
Location(5)
49 Central city .8 100
50 Non-central city .9 100
NOTE. Applicant income ratio is applicant income as a percentage of
MSA median. MSA median is median family income of the metropolitan
statistical area (MSA) in which the property related to the loan
is located.
(1.) Loans backed by the Federal Housing Administration, the
Department of Veterans Affairs, or the Farmers Home Administration.
(2.) White and minority.
(3.) MSA median is median family income of the metropolitan
statistical area (MSA) in which the property related to the
loan is located.
(4.) Census tracts are categorized by the median family income
for the tract relative to the median family income for the MSA in
which the tract is located. Categories are defined as
follows: Low income, median family income for census tract less
than 50 percent of median family income for MSA; Moderate income,
median family income for census tract at least 50 and less than
80 percent of MSA median; Middle income, median family income
at least 80 percent and less than 120 percent of MSA median;
Upper income, median family income 120 percent and greater
of MSA median.
(5.) For census tracts located in MSAs.
SOURCE. FFIEC, Home Mortgage Disclosure Act.
4.41 HOME LOANS SOLD, 2000 By Purchaser and Characteristics of
Borrower and Census Tract
Fannie Mae Ginnie Mae
Characteristic
Number Percent Number
1 All 1,361,352 100.0 842,847
BORROWER
Racial or ethnic identity
2 American Indian or Alaskan
Native 3,279 .3 2,301
3 Asian or Pacific Islander 43,277 4.3 10,219
4 Black 43,066 4.3 83,209
5 Hispanic 62,541 6.2 99,287
6 White 819,517 81.6 361,933
7 Other 11,129 1.1 5,487
8 Joint 21,914 2.2 17,672
9 Total 1,004,723 100.0 580,108
Income ratio (percentage
of MSA median)
10 Less than 50 69,676 7.2 58,109
11 50-79 191,113 19.8 187,516
12 80-99 145,578 15.1 121,210
13 100-119 134,756 13.9 83,948
14 120 or more 425,217 44.0 114,487
15 Total 966,340 100.0 565,270
CENSUS TRACT
Racial or ethnic
composition (minorities
as percentage of
population)
16 Less than 10 620,960 52.5 289,421
17 10-19 258,968 21.9 174,222
18 20-49 206,983 17.5 188,282
19 50-79 59,784 5.1 59,567
20 80-100 35,103 3.0 45,993
21 Total 1,181,798 100.0 757,485
Income
22 Low 15,475 1.3 14,238
23 Moderate 114,573 9.7 119,685
24 Middle 604,755 51.1 450,320
25 Upper 448,951 37.9 178,459
26 Total 1,183,754 100.0 762,702
Location
27 Central city 443,327 37.4 327,756
28 Non-central city 741,195 62.6 435,241
29 Total 1,184,522 100.0 762,997
Ginnie Mae Freddie Mac
Characteristic
Percent Number Percent
1 All 100.0 838,712 100.0
BORROWER
Racial or ethnic identity
2 American Indian or Alaskan
Native .4 1,845 .3
3 Asian or Pacific Islander 1.8 26,594 3.8
4 Black 14.3 24,902 3.5
5 Hispanic 17.1 40,182 5.7
6 White 62.4 588,758 83.6
7 Other .9 7,588 1.1
8 Joint 3.0 14,738 2.1
9 Total 100.0 704,607 100.0
Income ratio (percentage
of MSA median)
10 Less than 50 10.3 42,812 6.5
11 50-79 33.2 126,455 19.2
12 80-99 21.4 97,447 14.8
13 100-119 14.9 91,110 13.8
14 120 or more 20.3 301,294 45.7
15 Total 100.0 659,118 100.0
CENSUS TRACT
Racial or ethnic
composition (minorities
as percentage of
population)
16 Less than 10 38.2 406,224 56.7
17 10-19 23.0 151,982 21.2
18 20-49 24.9 114,000 15.9
19 50-79 7.9 29,299 4.1
20 80-100 6.1 15,548 2.2
21 Total 100.0 717,053 100.0
Income
22 Low 1.9 7,693 1.1
23 Moderate 15.7 63,180 8.8
24 Middle 59.0 369,036 51.4
25 Upper 23.4 278,460 38.8
26 Total 100.0 718,369 100.0
Location
27 Central city 43.0 261,067 36.3
28 Non-central city 57.0 457,692 63.7
29 Total 100.0 718,759 100.0
FAMC Commercial bank
Characteristic
Number Percent Number Percent
1 All 656 100.0 192,974 100.0
BORROWER
Racial or ethnic identity
2 American Indian or Alaskan
Native 2 .3 488 .3
3 Asian or Pacific Islander 7 1.1 4,982 3.3
4 Black 139 21.7 15,202 10.1
5 Hispanic 101 15.7 15,138 10.0
6 White 375 58.4 110,460 73.0
7 Other 6 .9 1,793 1.2
8 Joint 12 1.9 3,199 2.1
9 Total 642 100.0 151,262 100.0
Income ratio (percentage
of MSA median)
10 Less than 50 37 8.5 12,324 8.0
11 50-79 132 30.4 33,391 21.8
12 80-99 85 19.6 22,527 14.7
13 100-119 63 14.5 19,252 12.6
14 120 or more 117 27.0 65,825 42.9
15 Total 434 100.0 153,319 100.0
CENSUS TRACT
Racial or ethnic
composition (minorities
as percentage of
population)
16 Less than 10 220 44.3 77,721 46.7
17 10-19 65 13.1 36,978 22.2
18 20-49 57 11.5 32,318 19.4
19 50-79 36 7.2 10,654 6.4
20 80-100 119 23.9 8,685 5.2
21 Total 497 100.0 166,356 100.0
Income
22 Low 21 4.2 3,435 2.0
23 Moderate 60 12.1 22,474 13.2
24 Middle 325 65.4 83,887 49.3
25 Upper 91 18.3 60,210 35.4
26 Total 497 100.0 170,006 100.0
Location
27 Central city 209 41.2 65,642 38.6
28 Non-central city 298 58.8 104,490 61.4
29 Total 507 100.0 170,132 100.0
Savings bank or Life insurance
savings and loan company
association
Characteristic
Number Percent Number Percent
30 All 96,101 100.0 1,508 100.0
BORROWER
Racial or ethnic identity
31 American Indian or Alaskan
Native 315 .4 2 .1
32 Asian or Pacific Islander 4,686 5.6 18 1.2
33 Black 5,607 6.7 69 4.8
34 Hispanic 5,669 6.8 45 3.1
35 White 64,729 77.1 1,275 88.2
36 Other 777 .9 10 .7
37 Joint 2,123 2.5 27 1.9
38 Total 83,906 100.0 1,446 100.0
Income ratio (percentage
of MSA median)(1)
39 Less than 50 4,742 5.7 77 6.0
40 50-79 14,130 16.9 293 23.0
41 80-99 11,945 14.3 205 16.1
42 100-119 11,507 13.8 165 13.0
43 120 or more 41,290 49.4 533 41.9
44 Total 83,614 100.0 1,273 100.0
CENSUS TRACT
Racial or ethnic
composition (minorities
as percentage of
population)
45 Less than 10 40,295 46.1 988 75.9
46 10-19 19,456 22.3 159 12.2
47 20-49 17,838 20.4 101 7.8
48 50-79 5,946 6.8 26 2.0
49 80-100 3,902 4.5 27 2.1
50 Total 87,437 100.0 1,301 100.0
Income(2)
51 Low 1,700 1.9 29 2.2
52 Moderate 9,950 11.4 122 9.4
53 Middle 42,579 48.7 779 59.9
54 Upper 33,143 37.9 371 28.5
55 Total 87,372 100.0 1,301 100.0
Location
56 Central city 33,360 38.1 491 37.7
57 Non-central city 54,104 61.9 810 62.3
58 Total 87,464 100.0 1,301 100.0
Affiliate Other
Characteristic
Number Percent Number Percent
30 All 646,751 100.0 1,958,194 100.0
BORROWER
Racial or ethnic identity
31 American Indian or Alaskan
Native 1,953 .4 9,623 .6
32 Asian or Pacific Islander 21,346 4.2 47,707 3.2
33 Black 40,308 7.9 156,024 10.5
34 Hispanic 50,770 9.9 148,842 10.0
35 White 378,251 74.1 1,064,466 71.9
36 Other 6,037 1.2 18,290 1.2
37 Joint 11,649 2.3 36,250 2.4
38 Total 510,314 100.0 1,481,202 100.0
Income ratio (percentage
of MSA median)(1)
39 Less than 50 40,864 8.1 149,982 10.4
40 50-79 102,580 20.4 346,970 24.1
41 80-99 67,298 13.4 225,335 15.6
42 100-119 56,210 11.2 181,494 12.6
43 120 or more 235,744 46.9 538,016 37.3
44 Total 502,696 100.0 1,441,797 100.0
CENSUS TRACT
Racial or ethnic
composition (minorities
as percentage of
population)
45 Less than 10 249,997 45.1 699,299 41.7
46 10-19 127,051 22.9 373,531 22.3
47 20-49 113,662 20.5 376,067 22.4
48 50-79 36,193 6.5 126,131 7.5
49 80-100 27,928 5.0 102,306 6.1
50 Total 554,831 100.0 1,677,334 100.0
Income(2)
51 Low 13,137 2.3 43,327 2.6
52 Moderate 73,277 12.9 245,204 14.6
53 Middle 269,291 47.3 869,328 51.8
54 Upper 213,829 37.5 519,946 31.0
55 Total 569,534 100.0 1,677,805 100.0
Location
56 Central city 229,234 40.2 707,931 42.1
57 Non-central city 340,707 59.8 971,721 57.9
58 Total 569,941 100.0 1,679,652 100.0
Note. Includes securitized loans. See also notes to table 4.40.
Fannie Mae--Federal National Mortgage Association
Ginnie Mae--Government National Mortgage Association
Freddie Mac--Federal Home Loan Mortgage Corporation
FmHA--Farmers Home Administration
Affiliate--Affiliate of institution reporting the loan
(1.) Median family income of the metropolitan statistical area (MSA) in
which the property related to the loan is located.
(2.) Census tracts are categorized by the median family income for the
tract relative to the median family income for the MSA in which the
tract is located. Categories are defined as follows: Low income, median
family income for census tract less than 50 percent of median family
income for MSA; Moderate income, median family income for census tract
at least 50 and less than 80 percent of MSA median; Middle income,
median family income at least 80 percent and less than 120 percent of
MSA median; Upper income, median family income 120 percent and greater
of MSA median.
SOURCE. FFIEC, Home Mortgage Disclosure Act.
4.411 LENDER SHARE AND DOLLAR VOLUME OF RESIDENTIAL-MORTGAGE
ORIGINATIONS, 1993-2000(1)
Year Savings Commercial banks
institutions(2)
Conventional one- to
four-family
1 1993 23 18
2 1994 26 21
3 1995 26 21
4 1996 26 21
5 1997 25 18
6 1998 24 16
7 1999 21 21
8 2000 21 23
FHA, VA, and RHS one- to
four-family
9 1993 9 5
10 1994 10 6
11 1995 10 7
12 1996 10 6
13 1997 9 6
14 1998 7 5
15 1999 6 6
16 2000 5 8
Total one- to four-family
17 1993 21 16
18 1994 24 19
19 1995 24 19
20 1996 24 19
21 1997 23 17
22 1998 22 15
23 1999 19 19
24 2000 19 21
Total, multifamily
25 1993 63 23
26 1994 62 30
27 1995 51 41
28 1996 50 38
29 1997 47 36
30 1998 41 36
31 1999 37 30
31 2000 39 38
Total, residential
33 1993 22 16
34 1994 25 19
35 1995 24 19
36 1996 24 19
37 1997 24 17
38 1998 22 15
39 1999 20 20
40 2000 19 22
Mortgage companies
Year
Subsidiaries of Independently
banks or savings owned(4)
institutions(3)
Conventional one- to
four-family
1 1993 19 37
2 1994 19 31
3 1995 25 26
4 1996 25 26
5 1997 26 28
6 1998 30 28
7 1999 29 26
8 2000 29 25
FHA, VA, and RHS one- to
four-family
9 1993 26 59
10 1994 29 54
11 1995 34 49
12 1996 33 50
13 1997 37 48
14 1998 38 49
15 1999 41 46
16 2000 41 45
Total one- to four-family
17 1993 20 40
18 1994 20 34
19 1995 26 30
20 1996 26 29
21 1997 28 30
22 1998 31 30
23 1999 31 29
24 2000 31 27
Total, multifamily
25 1993 6 9
26 1994 4 5
27 1995 4 4
28 1996 6 7
29 1997 6 11
30 1998 10 13
31 1999 8 25
31 2000 8 15
Total, residential
33 1993 20 40
34 1994 20 33
35 1995 26 29
36 1996 26 29
37 1997 27 30
38 1998 31 30
39 1999 30 29
40 2000 30 27
Year Credit unions Dollar volume
(billions of dollars)
Conventional one- to
four-family
1 1993 3 842
2 1994 3 539
3 1995 2 444
4 1996 3 555
5 1997 2 630
6 1998 2 1,163
7 1999 3 960
8 2000 2 783
FHA, VA, and RHS one- to
four-family
9 1993 1 151
10 1994 1 86
11 1995 1 95
12 1996 1 95
13 1997 1 101
14 1998 1 150
15 1999 1 133
16 2000 1 110
Total one- to four-family
17 1993 3 993
18 1994 3 625
19 1995 2 519
20 1996 2 650
21 1997 2 731
22 1998 2 1,313
23 1999 2 1,093
24 2000 2 894
Total, multifamily
25 1993 0 13
26 1994 0 15
27 1995 0 13
28 1996 0 16
29 1997 0 20
30 1998 0 28
31 1999 0 32
31 2000 0 27
Total, residential
33 1993 3 1,006
34 1994 3 640
35 1995 2 532
36 1996 2 666
37 1997 2 751
38 1998 2 1,341
39 1999 2 1,125
40 2000 2 856
NOTE. Coverage of depository institutions declined in 1997 because of
an increase in the asset size threshold for exempt institutions from
$10 million to $28 million. Figures reported here differ from those
reported in previous years because some institutions have been placed
in different categories.
(1.) Based on the dollar volume of originations reported under the Home
Mortgage Disclosure Act. Originations insured or guaranteed by the
Rural Housing Service (RHS) include the former Farmers Home
Administration.
(2.) Includes savings and loan associations and savings banks.
(3.) Includes mortgage company subsidiaries of a bank holding company
or a service corporation.
(4.) Coverage of independently owned mortgage companies expanded in
1993 when those companies with less than $10 million in assets but with
100 or more home-purchase originations were included.
SOURCE. Home Mortgage Disclosure Act, 1990-2000.
4.42 APPLICATIONS RECEIVED AND POLICIES WRITTEN FOR PRIVATE MORTGAGE
INSURANCE, 1997-2000
By Insurance Company
1997
Company
Policies
Applications written
1 Amerin Guaranty 60,149 60,105
2 Commonwealth Mortgage Assurance 152,874 112,513
3 Radian(1) * *
4 GE Capital Mortgage Insurance 210,493 160,847
5 Mortgage Guaranty Insurance 325,336 265,566
6 PMI Mortgage Insurance 152,129 119,181
7 Republic Mortgage Insurance 132,204 102,221
8 Triad Guaranty Insurance 36,908 31,129
9 United Guaranty 147,256 120,182
10 Total 1,217,349 971,744
1998
Company
Policies
Applications written
1 Amerin Guaranty 116,744 116,725
2 Commonwealth Mortgage Assurance 212,097 165,336
3 Radian(1) * *
4 GE Capital Mortgage Insurance 302,606 244,496
5 Mortgage Guaranty Insurance 436,225 356,419
6 PMI Mortgage Insurance 255,656 211,074
7 Republic Mortgage Insurance 183,240 145,023
8 Triad Guaranty Insurance 46,568 38,518
9 United Guaranty 214,162 182,327
10 Total 1,767,298 1,459,918
1999
Company
Policies
Applications written
1 Amerin Guaranty * *
2 Commonwealth Mortgage Assurance * *
3 Radian(1) 317,775 256,924
4 GE Capital Mortgage Insurance 304,365 221,970
5 Mortgage Guaranty Insurance 479,425 377,195
6 PMI Mortgage Insurance 267,470 212,177
7 Republic Mortgage Insurance 157,794 144,618
8 Triad Guaranty Insurance 43,633 33,116
9 United Guaranty 244,637 204,667
10 Total 1,815,099 1,450,667
2000
Company
Policies
Applications written
1 Amerin Guaranty * *
2 Commonwealth Mortgage Assurance * *
3 Radian(1) 243,684 185,224
4 GE Capital Mortgage Insurance 259,285 185,995
5 Mortgage Guaranty Insurance 430,414 317,610
6 PMI Mortgage Insurance 254,327 206,444
7 Republic Mortgage Insurance 121,706 113,894
8 Triad Guaranty Insurance 44,165 32,870
9 United Guaranty 220,504 186,004
10 Total 1,574,085 1,228,041
(1.) Radian is the result of a merger between Amerin Guaranty and
Commonwealth Mortgage in 1999.
SOURCE. Federal Financial Institutions Examination Council.
4.43 APPLICATIONS RECEIVED AND POLICIES WRITTEN FOR PRIVATE MORTGAGE
INSURANCE, 2000
By Purpose of Loan and Insurance Company
Percent
Home purchase
Company
Applications Policies written
1 Radian(1) 15.3 15.1
2 GE Capital Mortgage Insurance 17.0 15.7
3 Mortgage Guaranty Insurance 25.7 24.2
4 PMI Mortgage Insurance 15.4 15.8
5 Republic Mortgage Insurance 8.3 9.8
6 Triad Guaranty Insurance 2.9 2.8
7 United Guaranty 15.5 16.7
8 Total 100.0 100.0
MEMO
9 Number of applications or policies 1,300,069.0 1,031,461.0
Home refinance
Company
Applications Policies written
1 Radian(1) 16.2 15.1
2 GE Capital Mortgage Insurance 13.8 12.0
3 Mortgage Guaranty Insurance 35.2 34.7
4 PMI Mortgage Insurance 19.8 22.3
5 Republic Mortgage Insurance 5.2 6.5
6 Triad Guaranty Insurance 2.6 2.3
7 United Guaranty 7.1 7.2
8 Total 100.0 100.0
MEMO
9 Number of applications or policies 274,016.0 196,580.0
Total
Company
Applications Policies written
1 Radian(1) 15.5 15.1
2 GE Capital Mortgage Insurance 16.5 15.1
3 Mortgage Guaranty Insurance 27.3 25.9
4 PMI Mortgage Insurance 16.2 16.8
5 Republic Mortgage Insurance 7.7 9.3
6 Triad Guaranty Insurance 2.8 2.7
7 United Guaranty 14.0 15.1
8 Total 100.0 100.0
MEMO
9 Number of applications or policies 1,574,085.0 1,228,041.0
(1.) Radian is the result of a merger between Amerin Guaranty and
Commonwealth Mortgage in 1999.
SOURCE. Federal Financial Institutions Examination Council.
4.44 APPLICATIONS FOR PRIVATE MORTGAGE INSURANCE, 2000
By Purpose of Loan and Characteristic of Applicant and Census Tract
Home purchase Home refinance
Characteristic
Number Percent Number Percent
APPLICANT
Race or ethnic group
1 American Indian or Alaskan
Native 3,023 .3 449 .3
2 Asian or Pacific Islander 30,058 3.4 2,583 1.9
3 Black 50,746 5.7 10,655 7.7
4 Hispanic 73,374 8.2 8,820 6.4
5 White 677,876 75.6 109,543 79.1
6 Other 43,771 4.9 3,993 2.9
7 Joint (white and minority) 18,094 2.0 2,367 1.7
8 Total 896,942 100.0 138,410 100.0
Income (percentage of MSA
median)(1)
9 Less than 50 57,831 6.0 11,190 6.8
10 50-79 202,466 20.9 35,472 21.4
11 80-99 153,683 15.9 28,056 17.0
12 100-119 141,282 14.6 24,703 14.9
13 120 or more 412,440 42.6 65,976 39.9
14 Total 967,702 100.0 165,397 100.0
CENSUS TRACT
Racial composition
(minorities as percent-
age of population)
15 Less than l0 507,200 49.8 99,524 46.8
16 10-19 220,582 21.6 41,075 19.3
17 20-79 189,802 18.6 40,219 18.9
18 50-79 61,278 6.0 16,129 7.6
19 80-100 40,498 4.0 15,897 7.5
20 Total 1,019,360 100.0 212,844 100.0
Income(2)
21 Lower 18,919 1.9 5,872 2.8
22 Moderate 118,414 11.6 32,690 15.4
23 Middle 525,761 51.6 117,816 55.4
24 Upper 355,531 34.9 56,346 26.5
25 Total 1,018,625 100.0 212,724 100.0
Location(3)
26 Central city 412,251 40.1 84,966 39.4
27 Non-central city 616,519 59.9 130,839 60.6
28 Total 1,028,770 100.0 215,805 100.0
NOTE. Not all characteristics were reported for all loans.
(1.) MSA median is median family income of the metropolitan statistical
area (MSA) in which the property related to the loan is located.
(2.) Lower: median family income for census tract less than 50 percent
of median family income for MSA. Moderate: 50 percent to less than 80
percent. Middle: 80 percent to less than 120 percent. Upper: 120 percent
or more.
(3.) For census tracts located in MSAs.
SOURCE. Federal Financial Institutions Examination Council.
4.45 APPLICATIONS FOR PRIVATE MORTGAGE INSURANCE, 2000
By Purpose of Loan, Disposition of Application, Characteristic of
Applicant, and Census Tract
Percent
Home purchase
Characteristic
Approved Denied Withdrawn
1 Total 91.3 4.3 3.0
APPLICANT
Race or ethnic group
2 American Indian or Alaskan
Native 87.1 6.8 4.8
3 Asian or Pacific Islander 90.3 4.8 3.5
4 Black 85.6 8.3 4.3
5 Hispanic 87.6 6.9 3.8
6 White 91.8 3.8 3.1
7 Other 97.5 .9 1.5
8 Joint (white and minority) 90.0 5.1 3.5
Income (percentage of MSA
median)(1)
9 Less than 50 90.4 5.8 2.7
10 50-79 92.8 3.8 2.5
11 80-99 93.4 3.3 2.4
12 100-119 93.7 3.2 2.3
13 120 or more 93.7 3.0 2.5
CENSUS TRACT
Racial composition (minorities
as percentage of population)
14 Less than 10 94.6 2.6 2.1
15 10-19 93.4 3.3 2.4
16 20-49 92.4 4.1 2.6
17 50-79 90.9 5.2 2.8
18 80-100 89.0 6.6 3.1
Income(2)
19 Lower 89.2 6.4 3.1
20 Moderate 91.7 4.7 2.8
21 Middle 93.7 3.2 2.3
22 Upper 94.1 2.8 2.3
Location(3)
23 Central city 93.0 3.6 2.5
24 Non-central city 93.9 3.1 2.3
Home purchase Home refinance
Characteristic
File Total Approved Denied
closed
1 Total 1.4 100.0 88.9 6.5
APPLICANT
Race or ethnic group
2 American Indian or Alaskan
Native 1.3 100.0 88.4 6.7
3 Asian or Pacific Islander 1.4 100.0 87.4 7.0
4 Black 1.8 100.0 82.1 11.5
5 Hispanic 1.7 100.0 83.3 9.6
6 White 1.3 100.0 87.5 6.8
7 Other .1 100.0 95.0 2.4
8 Joint (white and minority) 1.4 100.0 85.7 7.6
Income (percentage of MSA
median)(1)
9 Less than 50 1.1 100.0 83.8 10.7
10 50-79 .9 100.0 84.6 9.4
11 80-99 .8 100.0 85.9 8.3
12 100-119 .8 100.0 86.6 7.7
13 120 or more .8 100.0 87.4 7.0
CENSUS TRACT
Racial composition (minorities
as percentage of population)
14 Less than 10 .7 100.0 89.4 6.1
15 10-19 .9 100.0 89.0 6.3
16 20-49 .9 100.0 88.9 6.7
17 50-79 1.1 100.0 89.3 6.7
18 80-100 1.2 100.0 89.3 6.9
Income(2)
19 Lower 1.3 100.0 89.5 6.7
20 Moderate .9 100.0 88.8 6.9
21 Middle .8 100.0 89.1 6.4
22 Upper .8 100.0 89.6 5.9
Location(3)
23 Central city .9 100.08 9.1 6.4
24 Non-central city .7 100.0 89.2 6.3
Home refinance
Characteristic
Withdrawn File closed Total
1 Total 3.4 1.2 100.0
APPLICANT
Race or ethnic group
2 American Indian or Alaskan
Native 3.8 1.1 100.0
3 Asian or Pacific Islander 4.5 1.1 100.0
4 Black 4.9 1.4 100.0
5 Hispanic 5.2 1.9 100.0
6 White 4.3 1.4 100.0
7 Other 2.1 .5 100.0
8 Joint (white and minority) 5.0 1.8 100.0
Income (percentage of MSA
median)(1)
9 Less than 50 4.0 1.5 100.0
10 50-79 4.4 1.6 100.0
11 80-99 4.3 1.5 100.0
12 100-119 4.2 1.5 100.0
13 120 or more 4.3 1.2 100.0
CENSUS TRACT
Racial composition (minorities
as percentage of population)
14 Less than 10 3.4 1.1 100.0
15 10-19 3.5 1.2 100.0
16 20-49 3.3 1.1 100.0
17 50-79 3.1 .9 100.0
18 80-100 2.9 .9 100.0
Income(2)
19 Lower 2.6 1.2 100.0
20 Moderate 3.2 1.1 100.0
21 Middle 3.4 1.1 100.0
22 Upper 3.5 1.1 100.0
Location(3)
23 Central city 3.3 1.1 100.0
24 Non-central city 3.4 1.1 100.0
NOTE. Not all characteristics were reported for all loans.
(1.) Median family income of the metropolitan statistical area (MSA)
in which the property related to the loan is located.
(2.) Lower: median family income for census tract less than 50 percent
of median family income for MSA of tract. Moderate: 50 percent to less
than 80 percent. Middle: 80 percent to less than 120 percent. Upper:
120 percent or more.
(3.) For census tracts located in MSAs.
SOURCE. Federal Financial Institutions Examination Council.
4.46 SMALL LOANS TO BUSINESSES AND FARMS, 1996-2000
Year
Item
1996 1997
Total business loans 2,424,966 2,560,795
1 Number
2 Amount (thousands of
dollars) 149,718,193 159,401,302
Percent to small
firms(2)
3 Number 55.9 50.0
4 Amount 43.1 42.1
Total farm loans
5 Number 217,356 212,822
6 Amount (thousands of
dollars) 10,480,989 11,192,400
Percent to small
farms(3)
7 Number 88.4 89.5
8 Amount 81.4 81.3
Activity of CRA reporters
(percent)
All small loans to
businesses(3)
9 Number 65.9 71.0
10 Amount 67.5 69.4
All small loans to
farms(3)
11 Number 22.2 24.1
12 Amount 27.9 28.4
Distribution of business
loans by asset size of
lender
Number (percent)
13 Less than 100 3.7 1.2
14 100 to 249 19.7 6.5
15 250 to 999 16.1 15.7
16 1,000 or more 60.6 76.6
17 Total 100 100
Amount (percent)
18 Less than 100 1.6 1.4
19 100 to 249 5.7 3.5
20 250 to 999 22.4 20.9
21 1,000 or more 70.3 74.2
22 Total 100 100
Distribution of farm loans
by asset size of lender
Number (percent)
23 Less than 100 9.8 6.4
24 100 to 249 14.2 10.4
25 250 to 999 34.5 37.4
26 1,000 or more 41.5 45.8
27 Total 100 100
Amount (percent)
28 Less than 100 6.4 5.1
29 100 to 249 11.5 8.2
30 250 to 999 31.7 34.2
31 1,000 or more 50.4 52.5
32 Total 100 100
Distribution of business
loans by income of
census tract(4)
Number
33 Low 4.7 4.6
34 Moderate 15.9 16.0
35 Middle 49.4 49.1
36 Upper 29.5 29.8
37 Income not reported .5 .5
38 Total 100 100
Amount
39 Low 5.6 5.4
40 Moderate 16.0 16.0
41 Middle 46.8 46.5
42 Upper 30.9 31.4
43 Income not reported .7 .7
44 Total 100 100
MEMO
Number of reporters
45 Commercial banks 1,583 1,421
46 Savings institutions 496 475
47 Total 2,079 1,896
Year
Item
1998(1) 1999 2000
Total business loans 2,736,389 3,287,974 5,110,001
1 Number
2 Amount (thousands of
dollars) 161,211,231 174,538,571 179,056,204
Percent to small
firms(2)
3 Number 54.5 60.2 41.7
4 Amount 47.0 48.5 45.9
Total farm loans
5 Number 206,267 220,587 204,318
6 Amount (thousands of
dollars) 11,373,691 12,302,881 11,634,880
Percent to small
farms(3)
7 Number 90.4 90.6 90.2
8 Amount 83.0 83.7 83.8
Activity of CRA reporters
(percent)
All small loans to
businesses(3)
9 Number 67.8 67.8 83.7
10 Amount 69.4 72.4 75.6
All small loans to
farms(3)
11 Number 24.9 28.0 30.6
12 Amount 30.1 34.1 37.5
Distribution of business
loans by asset size of
lender
Number (percent)
13 Less than 100 1.9 1.0 .5
14 100 to 249 5.5 1.4 .8
15 250 to 999 20.3 15.9 18.8
16 1,000 or more 72.3 81.8 79.8
17 Total 100 100 100
Amount (percent)
18 Less than 100 0.8 1.0 .6
19 100 to 249 3.2 2.2 2.0
20 250 to 999 22.7 21.6 23.0
21 1,000 or more 73.3 75.2 74.4
22 Total 100 100 100
Distribution of farm loans
by asset size of lender
Number (percent)
23 Less than 100 4.9 4.9 2.2
24 100 to 249 8.2 6.6 4.8
25 250 to 999 38.7 37.7 46.7
26 1,000 or more 48.2 50.8 46.3
27 Total 100 100 100
Amount (percent)
28 Less than 100 3.5 4.0 1.7
29 100 to 249 6.6 5.6 4.0
30 250 to 999 36.0 36.3 42.7
31 1,000 or more 53.9 54.1 51.5
32 Total 100 100 100
Distribution of business
loans by income of
census tract(4)
Number
33 Low 4.3 3.6 3.6
34 Moderate 15.5 14.6 14.6
35 Middle 49.5 50.1 50.2
36 Upper 30.3 31.2 31.2
37 Income not reported .5 .4 .4
38 Total 100 100 100
Amount
39 Low 5.2 5.0 4.9
40 Moderate 15.7 15.5 15.4
41 Middle 46.8 47.1 47.6
42 Upper 31.6 31.7 31.5
43 Income not reported .7 .7 .5
44 Total 100 100 100
MEMO
Number of reporters
45 Commercial banks 1,576 1,450 1,471
46 Savings institutions 290 461 470
47 Total 1,866 1,911 1,941
(1.) Revised to reflect correction of reported data.
(2.) Businesses and farms with revenues of $1 million or less.
(3.) Percentages reflect the ratio of activity by CRA reporters to
activity by all lenders. Calculations are based on information reported
in the June 1996, 1997, 1998, 1999, and 2000 Call Reports for
commercial banks and the Thrift Financial Reports for savings
associations.
(4.) Low income: census tract median family income less than 50 percent
of MSA median family income or nonmetropolitan portion of state median
family income; moderate income: 50-79 percent; middle income: 80-120
percent; upper income: 120 percent or more. Excludes loans where census
tract or block number area was not reported.
SOURCE: FFIEC
4.47 ORIGINATIONS AND PURCHASES OF SMALL LOANS TO BUSINESSES AND
FARMS, 2000
By Size of Loan
Size of loan (dollars)
Type of borrower
and loan 100,000 or less 100,001 to 250,000
Total Percent Total Percent
Number of Loans
Business
1 Origination 4,723,758 93.2 186,811 3.7
2 Purchases 32,561 75.9 4,985 11.6
3 Total 4,756,319 93.1 191,796 3.8
Farm
4 Origination 170,863 84.6 22,652 11.2
5 Purchases 34,256 75.8 361 16.2
6 Total 172,558 84.5 23,013 11.3
All
7 Origination 4,894,621 92.9 209,463 4.0
8 Purchases 1,695 75.9 5,346 11.8
9 Total 4,928,877 92.7 214,809 4.0
Amount of loans (thousands of dollars)
Business
10 Origination 60,837,266 34.9 32,446,922 18.6
11 Purchases 1,063,481 22.8 850,802 18.2
12 Total 61,900,747 34.6 33,297,724 18.6
Farm
13 Origination 4,592,584 40.1 3,744,838 32.7
14 Purchases 62,897 33.1 59,064 31.1
15 Total 4,655,481 40.0 3,803,902 32.7
All
16 Origination 65,429,850 35.2 36,191,760 19.5
17 Purchases 1,126,378 23.2 909,866 18.7
18 Total 66,556,228 34.9 37,101,626 19.5
Type of borrower All loans
and loan More than 250,000
Total Percent Total Percent
Number of Loans
Business
1 Origination 156,552 3.1 5,067,121 100
2 Purchases 5,334 12.4 42,880 100
3 Total 161,886 3.2 5,110,001 100
Farm
4 Origination 8,568 4.2 202,083 100
5 Purchases 179 8.0 2,235 100
6 Total 8,747 4.3 204,318 100
All
7 Origination 165,120 3.1 5,269,204 100
8 Purchases 5,513 12.2 45,115 100
9 Total 170,633 3.2 5,314,319 100
Amount of loans (thousands of dollars)
Business
10 Origination 81,107,954 46.5 174,392,142 100
11 Purchases 2,749,779 59.0 4,664,062 100
12 Total 83,857,733 46.8 179,056,204 100
Farm
13 Origination 3,107,673 27.2 11,445,095 100
14 Purchases 67,824 35.7 189,785 100
15 Total 3,175,497 27.3 11,634,880 100
All
16 Origination 84,215,627 45.3 185,837,237 100
17 Purchases 2,817,603 58.0 4,853,847 100
18 Total 87,033,230 45.6 190,691,084 100
MEMO
Loans to firms
with revenues
Type of borrower of $1 million
and loan or less
Total Percent
Number of Loans
Business
1 Origination 2,117,089 41.8
2 Purchases 11,834 27.6
3 Total 2,128,923 41.7
Farm
4 Origination 183,914 91.0
5 Purchases 445 19.9
6 Total 184,359 90.2
All
7 Origination 2,301,003 43.7
8 Purchases 12,279 27.2
9 Total 2,313,282 43.5
Amount of loans
(thousands of dollars)
Business
10 Origination 80,952,361 46.4
11 Purchases 1,148,232 24.6
12 Total 82,100,593 45.9
Farm
13 Origination 9,691,868 84.7
14 Purchases 53,110 28.0
15 Total 9,744,978 83.8
All
16 Origination 90,644,229 48.8
17 Purchases 1,201,342 24.8
18 Total 91,845,571 48.2
4.48 ORIGINATIONS AND PURCHASES OF SMALL LOANS TO BUSINESS AND
FARMS, 2000
By Type of Borrower and Loan, and Distributed by Size of Lending
Institution
Institutions, by asset
size (millions of dollars)
Type of borrower
and loan Less than 100 100 to 249
Total Percent Total Percent
Number of loans
Business
1 Origination 26,651 0.5 43,307 0.9
2 Purchases 176 0.4 120 0.3
3 Total 26,827 0.5 43,427 0.8
Farm
4 Origination 4,456 2.2 9,819 4.9
5 Purchases 4 0.2 2 0.1
6 Total 4,460 2.2 9,821 4.8
All
7 Origination 31,107 0.6 53,126 1.0
8 Purchases 180 0.4 122 0.3
9 Total 31,287 0.6 53,248 1.0
Amount of loans (thousands of dollars)
Business
10 Origination 1,106,920 0.6 3,482,161 2.0
11 Purchases 54,007 1.2 43,848 0.9
12 Total 1,160,927 0.6 3,526,009 2.0
Farm
13 Origination 201,584 1.8 465,324 4.1
14 Purchases 1,021 0.5 295 0.2
15 Total 202,605 1.7 465,619 4.0
All
16 Origination 1,308,504 0.7 3,947,485 2.1
17 Purchases 55,028 1.1 44,143 0.9
18 Total 1,363,532 0.7 3,991,628 2.1
MEMO
19 Number of institutions
reporting 129 210
20 Number of institutions
extending loans 121 199
Institutions, by asset
size (millions of dollars)
Type of borrower
and loan 250 to 999 1,000 or more
Total Percent Total Percent
Number of loans
Business
1 Origination 957,727 18.9 4,039,436 79.7
2 Purchases 2,368 5.5 40,216 93.8
3 Total 960,095 18.8 4,079,652 79.8
Farm
4 Origination 95,052 47.0 92,756 75.9
5 Purchases 408 18.3 1,821 81.5
6 Total 95,460 46.7 94,577 46.3
All
7 Origination 1,052,779 20.0 4,132,192 78.4
8 Purchases 2,776 6.2 42,037 93.2
9 Total 1,055,555 19.9 4,174,229 78.5
Amount of loans (thousands of dollars)
Business
10 Origination 40,712,480 23.3 129,090,581 74.0
11 Purchases 489,263 10.5 4,076,944 87.4
12 Total 41,201,743 23.0 133,167,525 74.4
Farm
13 Origination 4,914,656 42.9 5,863,531 51.2
14 Purchases 57,150 30.1 131,319 69.2
15 Total 4,971,806 42.7 5,994,850 51.5
All
16 Origination 45,627,136 24.6 134,954,112 72.6
17 Purchases 546,413 11.3 4,208,263 86.7
18 Total 46,173,549 24.2 139,162,375 73.0
MEMO
19 Number of institutions
reporting 1,117 485
20 Number of institutions
extending loans 1,039 441
Type of borrower
and loan All institutions
Total Percent
Number of loans
Business
1 Origination 5,067,121 100
2 Purchases 42,880 100
3 Total 5,110,001 100
Farm
4 Origination 202,083 100
5 Purchases 2,235 100
6 Total 204,318 100
All
7 Origination 5,269,204 100
8 Purchases 45,115 100
9 Total 5,314,319 100
Amount of loans
(thousands of dollars)
Business
10 Origination 174,392,142 100
11 Purchases 4,664,062 100
12 Total 179,056,204 100
Farm
13 Origination 11,445,095 100
14 Purchases 189,785 100
15 Total 11,634,880 100
All
16 Origination 185,837,237 100
17 Purchases 4,853,847 100
18 Total 190,691,084 100
MEMO
19 Number of institutions
reporting 1,941
20 Number of institutions
extending loans 1,800
4.49 COMMUNITY DEVELOPMENT LENDING, 2000
Number of loans Amount of loans
(thousands of dollars)
Asset size of lender
(millions of dollars)
Total Percent Total Percent
Institution assets
1 Less than 100 117 0.5 51,360 0.3
2 100 to 249 466 1.9 138,972 0.7
3 250 to 999 6,695 27.7 2,466,773 12.6
4 1,000 or more 16,896 69.9 16,964,912 86.5
5 All 24,174 100.0 19,622,017 100.0
MEMO
6 Lending by all
affiliates 375 1.6 563,355 2.9
MEMO: CRA reporters
Asset size of lender Community development
(millions of dollars) loans
Number Percent Number Percent
extending extending
Institution assets
1 Less than 100 129 6.6 37 3.3
2 100 to 249 210 10.8 82 7.3
3 250 to 999 1,117 57.5 604 54.1
4 1,000 or more 485 25.0 394 35.3
5 All 1,941 100.0 1,117 100.0
MEMO
6 Lending by all
affiliates ... ... 40 3.6
COPYRIGHT 2001 Board of Governors of the Federal Reserve System
COPYRIGHT 2004 Gale Group
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