Applications / Mortgage Analytics / Data and code
Data and code
The HMDA warehouse behind these pages: how it was checked, the data model with every field, and the Jenner programs.
§1
Methods and checks
Every year of the warehouse is checked against the files the regulators publish, every statistical statement about a named lender is first tested on data where the right answer is known, and open items are listed rather than hidden.
| Status | Area | Test | What it checks | Result |
|---|---|---|---|---|
| Pass | Data load | Every record in the FFIEC loan files, 1990-2025 | Records in each year's published loan file against records in the warehouse | 36 of 36 years identical, 0 records missing or extra |
| Pass | Data load | Regulator's summary sheets, 1990-2025 | Each lender's count on the transmittal sheet against its records in the loan file | The sheets disagree with their own loan files in 18 years, by 0.04% or less except 2014 (one lender missing from the sheet, now filled) and 2017 (288 lenders' counts); the warehouse follows the loan files |
| Pass | Data load | Jenner target list, 964 institutions | Lender identity, type, state, assets and 2025 HMDA record count against the reference spreadsheet | HMDA records 964 of 964 agree; HQ state 964 of 964; type 963 of 964; assets 906 of 964 (the rest differ by rounding to $1M) |
| Open | Data quality | Known data problems | Each problem found is flagged on its rows and explained in a data note | 374 notes, 222 still open and flagged on the affected rows; flagged application records are 0.85% of 2025 |
| Pass | Market share | National ranking sanity check | Top lenders by 2024 and 2025 core-market originations | United Wholesale Mortgage, Rocket Mortgage and CrossCountry Mortgage first, second and third in both years |
| Pass | Lender comparison | Two-stage denial model, known-truth calibration | On simulated data with known gaps, how often a 99% statement is wrong | 1,915 statements across 200 simulated datasets, 12 wrong (0.63%), within the 1-in-100 the rule promises |
| Open | Lender comparison | Footprint (lending in minority areas) model | The same calibration for the footprint test | Calibrated with a floor; not yet held to the 99%, no-floor rule (needs clustered standard errors) |
| Pass | Lender comparison | Engine check: Jenner vs R (lme4) | The one-stage model fitted by Jenner against the reference R package on the same 20% sample | Lender estimates agree, r = 0.998; largest difference 0.04 |
| Pass | Lender comparison | Shuffle test is sound | Shuffled data must carry no gap within each lender, county and purpose | Within-cell gaps on shuffled data -0.11 to +0.12 percentage points (real data +2 to +7 for Hispanic and Black applicants) |
| Fail | Lender comparison | One-stage model, shuffled full 2025 data (original specification) | Labels shuffled so every true gap is zero; every lender named is a false statement | 39 false statements at 18 lenders of 782 tests (5%): failed; cause traced to where groups apply, not the engine or data |
| Pass | Lender comparison | One-stage model, within-cell (centred) specification, 20% sample | The same shuffle test after the fix | 0 false statements (0 of 4,356 lender tests); national group effects within their standard errors of zero |
| Running | Lender comparison | One-stage model, within-cell specification, full 2025 data | The decisive shuffle test on all 3.47 million applications | Running (about 6 hours, shuffled then real) |
| Fail | Lender comparison | Leave-one-out strictness | Strictness measured without the applicant's own outcome | Rejected: it separates White outcomes by construction and the fit diverged; prior-year strictness is the candidate |
| Pass | Lender comparison | No blank geography | Every application keeps its rows in every model | Missing state and tract now coded 'none'; the export refuses a blank area; no finished result was affected |
Every published record loaded, 36 years
Records in each year's FFIEC loan file against the records in the warehouse, newest first.
| Year | FFIEC loan file | Records in file | Records loaded | Difference |
|---|---|---|---|---|
| 2025 | 2025_HMDA/2025_public_lar_pipe.zip | 13,543,606 | 13,543,606 | 0 |
| 2024 | 2024_HMDA/2024_public_lar_one_year_pipe.zip | 12,259,199 | 12,259,199 | 0 |
| 2023 | 2023_HMDA/2023_public_lar_one_year_pipe.zip | 11,564,178 | 11,564,178 | 0 |
| 2022 | 2022_HMDA/2022_public_lar_pipe.zip | 16,080,210 | 16,080,210 | 0 |
| 2021 | 2021_HMDA/2021_public_lar_pipe.zip | 26,124,552 | 26,124,552 | 0 |
| 2020 | 2020_HMDA/2020_public_lar_pipe.zip | 25,551,868 | 25,551,868 | 0 |
| 2019 | 2019_HMDA/2019_public_lar_three_year_pipe (1).zip | 17,573,984 | 17,573,984 | 0 |
| 2018 | 2018_HMDA/2018_public_lar_three_year_pipe.zip | 15,138,510 | 15,138,510 | 0 |
| 2017 | 2017_HMDA/hmda_2017_nationwide_all-records_codes.zip | 14,285,496 | 14,285,496 | 0 |
| 2016 | 2016_HMDA/hmda_2016_nationwide_all-records_codes.zip | 16,332,987 | 16,332,987 | 0 |
| 2015 | 2015_HMDA/hmda_2015_nationwide_all-records_codes.zip | 14,374,184 | 14,374,184 | 0 |
| 2014 | 2014_HMDA/hmda_2014_nationwide_all-records_codes.zip | 12,049,341 | 12,049,341 | 0 |
| 2013 | 2013_HMDA/hmda_2013_nationwide_all-records_codes.zip | 17,016,159 | 17,016,159 | 0 |
| 2012 | 2012_HMDA/hmda_2012_nationwide_all-records_codes.zip | 18,691,551 | 18,691,551 | 0 |
| 2011 | 2011_HMDA/hmda_2011_nationwide_all-records_codes.zip | 14,873,415 | 14,873,415 | 0 |
| 2010 | 2010_HMDA/hmda_2010_nationwide_all-records_codes.zip | 16,348,557 | 16,348,557 | 0 |
| 2009 | 2009_HMDA/hmda_2009_nationwide_all-records_codes.zip | 19,493,491 | 19,493,491 | 0 |
| 2008 | 2008_HMDA/hmda_2008_nationwide_all-records_codes.zip | 17,391,570 | 17,391,570 | 0 |
| 2007 | 2007_HMDA/hmda_2007_nationwide_all-records_codes.zip | 26,605,695 | 26,605,695 | 0 |
| 2006 | 2006_HMDA/LARS.ULTIMATE.2006.DAT.zip | 34,155,360 | 34,155,360 | 0 |
| 2005 | 2005_HMDA/LARS.ULTIMATE.2005.DAT.zip | 36,457,236 | 36,457,236 | 0 |
| 2004 | 2004_HMDA/u2004lar.public.dat.zip | 33,630,474 | 33,630,474 | 0 |
| 2003 | 2003_HMDA/HMS.U2003.LARS.zip | 41,579,149 | 41,579,149 | 0 |
| 2002 | 2002_HMDA/HMS.U2002.LARS.zip | 31,310,410 | 31,310,410 | 0 |
| 2001 | 2001_HMDA/HMS.U2001.LARS.PUBLIC.DATA.zip | 27,643,163 | 27,643,163 | 0 |
| 2000 | 2000_HMDA/HMS.U2000.LARS.zip | 19,250,597 | 19,250,597 | 0 |
| 1999 | 1999_HMDA/HMS.U1999.LARS.zip | 22,911,425 | 22,911,425 | 0 |
| 1998 | 1998_HMDA/HMS.U1998.LARS.zip | 24,701,216 | 24,701,216 | 0 |
| 1997 | 1997_HMDA/HMS.U1997.LARS.zip | 16,421,046 | 16,421,046 | 0 |
| 1996 | 1996_HMDA/HMS.U1996.LARS.zip | 14,865,058 | 14,865,058 | 0 |
| 1995 | 1995_HMDA/HMS.U1995.LARS.zip | 11,271,664 | 11,271,664 | 0 |
| 1994 | 1994_HMDA/HMS.U1994.LARS.zip | 12,215,807 | 12,215,807 | 0 |
| 1993 | 1993_HMDA/HMS.U1993.LARS.zip | 15,477,323 | 15,477,323 | 0 |
| 1992 | 1992_HMDA/HMS.U1992.LARS.zip | 12,026,809 | 12,026,809 | 0 |
| 1991 | 1991_HMDA/HMS.U1991.LARS.zip | 7,940,024 | 7,940,024 | 0 |
| 1990 | 1990_HMDA/HMS.U1990.LARS.zip | 6,707,650 | 6,707,650 | 0 |
Definitions
- Market share
- A lender's loans originated divided by all lenders' loans originated, in the same year and area.
- Kind of lender
- Bank (including savings institutions), credit union, or non-bank (a mortgage company that takes no deposits, including a bank's own mortgage subsidiary), from the lender's regulator and charter in each year: FDIC, NCUA, FFIEC NIC and HMDA.
- Change in market share
- The difference between two shares, in percentage points: a lender going from 8.1% to 8.7% of the market gained 0.6 points.
- Lender names
- Each lender's name as readers know it, built from its legal name (FDIC, GLEIF, SEC or FFIEC NIC) with the legal ending removed.
- 1990–2003
- Those files have no lien or property-type field, so the core market there is owner-occupied home purchase, improvement and refinance loans.
§2
The data model
Two layers in one PostgreSQL database. The warehouse (schema dw) holds every source as loaded, with its raw codes, history and the rules that tie lenders together across years, in a snowflake schema: dimension tables that point to further dimension tables. The datamart (schema mart) is what analysts query: fact tables at several levels of detail sharing the same dimensions. In the diagrams, fact tables are headed in amber; each box lists the table's keys, and each line joins a table's key (the one side) to the foreign key that points to it (the many side).
694M
HMDA application records, 1990–2025, every one loaded and reconciled with the FFIEC loan files, across three record layouts (1990–2003, 2004–2017, 2018 on) mapped to one standard.
118K
lenders resolved into one identity each, across the 2018 change from HMDA respondent IDs to LEIs and through FFIEC NIC holding-company and merger histories.
8,047
lender mergers and renamings applied, so a lender's history and market share follow it.
269K
lender-years typed as bank, credit union or non-bank from FDIC, NCUA, FFIEC NIC, FHA and HMDA evidence, year by year.
99.8K
legal names from FDIC, GLEIF, SEC EDGAR and FFIEC NIC, cleaned into the names readers know.
374
data-quality findings recorded with their evidence, each flagged on the rows it affects.
DIAGRAM 1 — DATAMART: FACTS AND SHARED DIMENSIONS · 15 TABLES
Which dimensions each fact table shares: the datamart's bus matrix.
| Fact table | action | applicant | denial | geography | lender | lender_profile | loan_profile | loan_terms | month | period |
|---|---|---|---|---|---|---|---|---|---|---|
| mart.lender_area_year | ● | ● | ● | ● | ||||||
| mart.lender_month | ● | ● | ● | ● | ||||||
| mart.lender_year | ● | ● | ● | |||||||
| mart.loan | ● | ● | ● | ● | ● | ● | ● | ● | ● |
DIAGRAM 2 — WAREHOUSE: THE APPLICATION STAR · 14 TABLES
DIAGRAM 3 — WAREHOUSE: LENDER IDENTITY AND MERGERS · 6 TABLES
DIAGRAM 4 — WAREHOUSE: GEOGRAPHY · 8 TABLES
DIAGRAM 5 — WAREHOUSE: AGGREGATES · 9 TABLES
§3
Data dictionary
Every table and field of the datamart and the warehouse, 4,787 fields in 242 tables, from the database's own catalog. Search by table, field or meaning.
| Table | Field | Type | Meaning |
|---|---|---|---|
| mart.action | k_action | integer | The action's ID number in the database; the same number as in dw.action. |
| mart.action | action_code | smallint | HMDA action-taken code: 1 originated, 2 approved but not accepted, 3 denied, 4 withdrawn, 5 closed for incompleteness, 6 purchased, 7 preapproval denied, 8 preapproval approved but not accepted; 0 when missing or invalid. |
| mart.action | action_label | text | Plain-text label of the action-taken code. |
| mart.action | is_application | boolean | True for applications the lender received (codes 1-5); false for purchased loans and preapproval requests. |
| mart.action | is_decided | boolean | True when the lender reached a decision: originated, approved but not accepted, or denied (codes 1-3). The base for denial rates. |
| mart.action | is_originated | boolean | True when the lender made the loan (code 1). |
| mart.action | is_denied | boolean | True when the application was denied (code 3). |
| mart.action | is_purchased | boolean | True for a loan the lender bought from another institution rather than made (code 6). |
| mart.action | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| mart.action | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| mart.action | problematic | boolean | True when a known data problem is still open for this row; dw.data_note explains it. |
| mart.applicant | k_applicant | integer | The applicant profile's ID number in the database; the same number as dw.applicant_profile.k_applicant_profile. |
| mart.applicant | derived_race | text | Race of the applicants, derived with the FFIEC (Federal Financial Institutions Examination Council) rules: a single race, 2 or more minority races, Joint (one White, one minority applicant), Race Not Available or Free Form Text Only. |
| mart.applicant | derived_ethnicity | text | Ethnicity of the applicants: Hispanic or Latino, Not Hispanic or Latino, Joint (one of each), Ethnicity Not Available or Free Form Text Only. |
| mart.applicant | derived_sex | text | Sex of the applicants: Male, Female, Joint (one of each) or Sex Not Available. |
| mart.applicant | age_band | text | Age band of the main applicant (<25 up to >74), 2018 on; empty before 2018, when age was not collected, and when not reported. |
| mart.applicant | has_co_applicant | boolean | True when there is a co-applicant. Not usable before 2004: every 1990-2003 application shows true. |
| mart.applicant | is_black | boolean | True when the applicants count in the Black fair-lending group (derived race Black or African American, any ethnicity). |
| mart.applicant | is_hispanic | boolean | True when the applicants count in the Hispanic fair-lending group (derived ethnicity Hispanic or Latino, any race). |
| mart.applicant | is_asian | boolean | True when the applicants count in the Asian fair-lending group (derived race Asian, any ethnicity). |
| mart.applicant | is_nh_white | boolean | True for the non-Hispanic White group, the usual comparison group in fair-lending analysis. |
| mart.applicant | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| mart.applicant | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| mart.applicant | problematic | boolean | True when a known data problem is still open for this row; dw.data_note explains it. |
| mart.denial | k_denial | integer | The ID number the warehouse gives each combination of denial reasons. |
| mart.denial | primary_reason_code | smallint | First denial reason listed: 1 debt-to-income ratio, 2 employment history, 3 credit history, 4 collateral, 5 insufficient cash, 6 unverifiable information, 7 incomplete application, 8 mortgage insurance denied, 9 other; 0 = none given, including every application that was not denied. |
| mart.denial | primary_reason | text | Label of the first denial reason; 'No denial reason' when none was given. |
| mart.denial | reason_codes | smallint[] | Every reason given (up to four), as a sorted list of the codes above; empty when none. |
| mart.denial | reason_count | smallint | Number of denial reasons given (0-4). |
| mart.denial | has_debt_to_income | boolean | True when debt-to-income ratio is among the reasons. |
| mart.denial | has_employment_history | boolean | True when employment history is among the reasons. |
| mart.denial | has_credit_history | boolean | True when credit history is among the reasons. |
| mart.denial | has_collateral | boolean | True when collateral (the property) is among the reasons. |
| mart.denial | has_insufficient_cash | boolean | True when insufficient cash for down payment or closing costs is among the reasons. |
| mart.denial | has_unverifiable_info | boolean | True when unverifiable information is among the reasons. |
| mart.denial | has_incomplete_app | boolean | True when an incomplete credit application is among the reasons. |
| mart.denial | has_mortgage_ins_denied | boolean | True when denial of mortgage insurance is among the reasons. |
| mart.denial | has_other | boolean | True when 'other' is among the reasons. |
| mart.denial | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| mart.denial | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| mart.denial | problematic | boolean | True when a known data problem is still open for this row; dw.data_note explains it. |
| mart.geography | k_geography | integer | The row's ID number in the database; mart.loan and the lender tables link to places by it. |
| mart.geography | geo_level | text | What the row stands for: tract, county (tract unknown), state (county unknown) or unknown (state unknown too). |
| mart.geography | geo_code | text | The row's code at its level: 11-digit tract code, 5-digit county code, 2-digit state code, or empty for the unknown row. |
| mart.geography | tract_code | character(11) | 2020 census tract code, 11 digits (state 2 + county 3 + tract 6); empty on county, state and unknown rows. |
| mart.geography | zip | character(5) | The ZIP code area (Census ZIP Code Tabulation Area) covering most of the tract's land. |
| mart.geography | county_fips | character(5) | County code (FIPS, the federal numeric code), 5 digits: state 2 + county 3; empty on state and unknown rows. |
| mart.geography | county_name | text | County name, from the latest Census county list that has the code. |
| mart.geography | state_fips | character(2) | State code (FIPS, the federal numeric code), 2 digits; includes DC and the territories. |
| mart.geography | state_abbr | character(2) | Two-letter postal state abbreviation. |
| mart.geography | state_name | text | State name; 'Unknown' on the unknown row. |
| mart.geography | msa_code | text | Code of the metro area or metro division the county belongs to, as of the latest year it appears in HMDA (Home Mortgage Disclosure Act) data: 4 digits for 1990s areas, 5 digits from 2003; 99999 = not in a metro area. |
| mart.geography | msa_name | text | Name of that metro area or division, without the state suffix (Huntsville, not Huntsville, AL). |
| mart.geography | msa_states | character(2)[] | The states the metro area spans, principal state first. |
| mart.geography | msa_kind | text | Kind of metro area: MSA (metropolitan statistical area) or PMSA (primary MSA, part of a larger area) for 1990s codes; CBSA_METRO (metropolitan area) or METRO_DIVISION (part of a very large metro) from 2003. |
| mart.geography | land_m2 | bigint | Land area of the tract in square metres (tract rows only; land_sqmi covers every level). |
| mart.geography | water_m2 | bigint | Water area of the tract in square metres (tract rows only; water_sqmi covers every level). |
| mart.geography | k_geo_tract | integer | Link to the 2020 tract in dw.geo_tract, for tract statistics by year; empty if no HMDA (Home Mortgage Disclosure Act) record has used the tract. |
| mart.geography | k_geo_county | integer | Link to the county in dw.geo_county. |
| mart.geography | k_geo_state | integer | Link to the state in dw.geo_state. |
| mart.geography | k_geo_msa | integer | Link to the metro area in dw.geo_msa (see msa_code). |
| mart.geography | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| mart.geography | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| mart.geography | problematic | boolean | True when a known data problem is still open for this row (county rows take the county's flag); dw.data_note explains it. |
| mart.geography | lat | double precision | Latitude of the tract, county or state's central point (Census 2020; states 2026). |
| mart.geography | lon | double precision | Longitude of the tract, county or state's central point (Census 2020; states 2026). |
| mart.geography | land_sqmi | double precision | Land area in square miles (Census 2020 for tracts and counties, 2026 for states). |
| mart.geography | water_sqmi | double precision | Water area in square miles (Census 2020 for tracts and counties, 2026 for states). |
| mart.geography | pop_density | double precision | People per square mile of land (population / land_sqmi). |
| mart.geography | ruca_code | numeric | Rural-Urban Commuting Area code from the U.S. Department of Agriculture (USDA), 2020: 1 = metropolitan core through 10 = rural; 99 = no population. Tract rows only. |
| mart.geography | is_rural | boolean | True when the RUCA (Rural-Urban Commuting Area) code is 4-10, outside metro cores and their commuting areas: the usual USDA nonmetro grouping. Tract rows only. |
| mart.geography | school_district_id | text | National Center for Education Statistics (NCES) ID of the school district holding most of the tract's land. |
| mart.geography | school_district | text | Name of that school district. |
| mart.geography | population | integer | Residents, ACS 2020-2024; county and state rows add up their tracts. |
| mart.geography | median_age | double precision | Median age of residents, in years (ACS 2020-2024; tract rows only). |
| mart.geography | pct_minority | double precision | Share of residents (0-1) who are not non-Hispanic White, the minority definition the Federal Financial Institutions Examination Council (FFIEC) uses. ACS 2020-2024; tract rows only. |
| mart.geography | pct_black | double precision | Share of residents (0-1) who are non-Hispanic Black (ACS 2020-2024; tract rows only). |
| mart.geography | pct_hispanic | double precision | Share of residents (0-1) who are Hispanic or Latino, of any race (ACS 2020-2024; tract rows only). |
| mart.geography | pct_asian | double precision | Share of residents (0-1) who are non-Hispanic Asian (ACS 2020-2024; tract rows only). |
| mart.geography | median_household_income | integer | Median household income in dollars (ACS 2020-2024; tract rows only). |
| mart.geography | per_capita_income | integer | Income per resident, in 2024 dollars (ACS 2020-2024; tract rows only). |
| mart.geography | poverty_rate | double precision | Share (0-1) of people living below the poverty line, among those whose poverty status is known (ACS 2020-2024; tract rows only). |
| mart.geography | unemployment_rate | double precision | Unemployed as a share (0-1) of the civilian labour force, a five-year ACS 2020-2024 average; tract rows only. For the official yearly county figure see county_unemployment_rate. |
| mart.geography | bachelors_plus_share | double precision | Share (0-1) of adults 25 and over with a bachelor's degree or higher (ACS 2020-2024; tract rows only). |
| mart.geography | housing_units | integer | Housing units, occupied or vacant (ACS 2020-2024); county and state rows add up their tracts. |
| mart.geography | homeownership_rate | double precision | Owner-occupied homes as a share (0-1) of occupied homes (ACS 2020-2024; tract rows only). |
| mart.geography | vacancy_rate | double precision | Vacant units as a share (0-1) of all housing units (ACS 2020-2024; tract rows only). |
| mart.geography | median_home_value | integer | Median value of owner-occupied homes as owners estimate it, dollars; 2000001 means $2,000,000 or more (ACS 2020-2024; tract rows only). |
| mart.geography | median_gross_rent | integer | Median monthly rent plus utilities, dollars; 3501 means $3,500 or more (ACS 2020-2024; tract rows only). |
| mart.geography | owner_cost_burden_rate | double precision | Share (0-1) of owner households spending 30% or more of income on housing costs (ACS 2020-2024; tract rows only). |
| mart.geography | renter_cost_burden_rate | double precision | Share (0-1) of renter households spending 30% or more of income on rent and utilities (ACS 2020-2024; tract rows only). |
| mart.geography | median_year_built | integer | Median year the homes were built; 1938 means 1939 or earlier (ACS 2020-2024; tract rows only). |
| mart.geography | single_family_share | double precision | Share (0-1) of housing units that are one-unit homes, detached or attached (ACS 2020-2024; tract rows only). |
| mart.geography | hpi_2025 | double precision | Federal Housing Finance Agency (FHFA) house price index for 2025 (100 = the area's first year); hpi_level says whether it is the tract's, ZIP's or county's. |
| mart.geography | hpi_change_1y | double precision | One-year house-price change, 2024 to 2025, from the FHFA (Federal Housing Finance Agency) index at the level in hpi_level (0.05 = 5%). |
| mart.geography | hpi_change_5y | double precision | Five-year house-price change, 2020 to 2025, from the FHFA (Federal Housing Finance Agency) index (0.05 = 5%). |
| mart.geography | hpi_level | text | Which house price index the hpi_ figures use: tract, zip (the tract's main ZIP) or county, the first with a 2025 value. |
| mart.geography | hmda_purchase_value_median | numeric | Median property value of 2025 owner-occupied first-lien home purchases reported under HMDA (Home Mortgage Disclosure Act), dollars; hmda_purchase_n gives the number of loans. |
| mart.geography | hmda_purchase_n | integer | Number of 2025 HMDA owner-occupied first-lien purchase loans behind hmda_purchase_value_median; use it to judge how reliable the median is. |
| mart.geography | conforming_limit | integer | The 2026 conforming loan limit for a one-unit home in the county, set by the Federal Housing Finance Agency (FHFA), dollars. |
| mart.geography | fmr_2br | integer | Fair Market Rent for a two-bedroom unit from the Department of Housing and Urban Development (HUD), latest fiscal year, county level (for New England, where HUD also lists towns, the county figure is preferred). |
| mart.geography | tract_income_level | text | The tract's CRA income level (low, moderate, middle, upper) in the latest FFIEC (Federal Financial Institutions Examination Council) year; for the level in a loan's own year use mart.loan. |
| mart.geography | is_lmi_tract | boolean | True for a low- or moderate-income (LMI) tract under the CRA: median family income below 80% of its area's, latest FFIEC year. Tract rows only. |
| mart.geography | is_distressed | boolean | True when on the latest FFIEC list of distressed middle-income rural tracts (high poverty, high unemployment or population loss), where lending earns CRA credit. Tract rows only. |
| mart.geography | is_underserved | boolean | True when on the latest FFIEC list of underserved middle-income rural tracts (remote areas), where lending earns CRA credit. Tract rows only. |
| mart.geography | is_qct | boolean | True for a HUD (Department of Housing and Urban Development) Qualified Census Tract, a low-income tract eligible for extra Low-Income Housing Tax Credit basis; latest designation. Tract rows only. |
| mart.geography | is_dda | boolean | True when in a HUD (Department of Housing and Urban Development) Difficult Development Area, where building costs are high for local incomes, eligible for extra Low-Income Housing Tax Credit basis; latest designation. Tract rows only. |
| mart.geography | is_opportunity_zone | boolean | True for a federal Opportunity Zone, a low-income tract where investors get capital-gains tax relief (designated 2018). Tract rows only. |
| mart.geography | is_cdfi_area | boolean | True for a Community Development Financial Institutions (CDFI) Fund Investment Area, a distressed tract where CDFIs may count their lending. Tract rows only. |
| mart.geography | is_persistent_poverty_county | boolean | True when in a county the CDFI (Community Development Financial Institutions) Fund lists as in persistent poverty: 20% or more of residents poor for about 30 years. Tract and county rows. |
| mart.geography | risk_score | double precision | Federal Emergency Management Agency (FEMA) National Risk Index composite score for natural-hazard risk, version 1.20 (tract rows: the tract's; county rows: the county's). |
| mart.geography | risk_rating | text | FEMA (Federal Emergency Management Agency) National Risk Index rating: Very High, Relatively High, Relatively Moderate, Relatively Low, Very Low, or Insufficient Data. Tract and county rows. |
| mart.geography | eal_total | double precision | FEMA (Federal Emergency Management Agency) expected annual loss from all 18 natural hazards, dollars a year, covering buildings, value of lives and agriculture. Tract and county rows. |
| mart.geography | eal_building | double precision | FEMA (Federal Emergency Management Agency) expected annual loss to building value from natural hazards, dollars a year. Tract and county rows. |
| mart.geography | svi_overall | double precision | Social Vulnerability Index 2022 of the Centers for Disease Control and Prevention (CDC), overall percentile rank (0-1). |
| mart.geography | work_jobs | integer | Jobs located in the area (Census Bureau workplace job counts, 2023); county and state rows add up their tracts. |
| mart.geography | home_jobs | integer | Jobs held by people who live in the area (Census Bureau residence job counts, 2023); county and state rows add up their tracts. |
| mart.geography | bank_branches | integer | Offices of banks insured by the Federal Deposit Insurance Corporation (FDIC) in the tract, June 2025 Summary of Deposits; state rows add up their tracts. |
| mart.geography | bank_deposits_000 | bigint | Deposits booked at the FDIC-insured (Federal Deposit Insurance Corporation) bank offices in the area, thousands of dollars, June 2025; state rows add up their tracts. |
| mart.geography | cu_branches | integer | Credit-union offices in the tract, from the National Credit Union Administration (NCUA) 2025 report; state rows add up their tracts. |
| mart.geography | county_bank_branches | integer | FDIC-insured (Federal Deposit Insurance Corporation) bank offices in the whole county, June 2025; on tract and county rows. |
| mart.geography | county_bank_deposits_000 | bigint | Deposits at those county bank offices, thousands of dollars, June 2025; on tract and county rows. |
| mart.geography | county_cu_branches | integer | Credit-union offices in the whole county (NCUA, National Credit Union Administration, 2025); on tract and county rows. |
| mart.geography | county_unemployment_rate | double precision | The county's official unemployment rate, 2024 annual average, from the Bureau of Labor Statistics (BLS) Local Area Unemployment Statistics. |
| mart.geography | k_zip | integer | Link to mart.zip for the tract's main ZIP. |
| mart.lender | k_lender | integer | The institution's ID number in the database; the same number as in dw.lender, kept across every year and every filer ID. |
| mart.lender | lender_name | text | Name from the institution's latest HMDA filing, or from the FFIEC (Federal Financial Institutions Examination Council) National Information Center for institutions that never filed; shows the ID (e.g. LEI:...) when no source gave a name. |
| mart.lender | lender_type | text | Broad institution type now: bank (banks and savings institutions), credit union or non-bank; holding company or other for institutions known only as parents. Taken from the harmonised type where it is one of these; for the detailed type use lender_type_current or mart.lender_profile. |
| mart.lender | hmda_address_city | text | City of the address on the lender's latest HMDA filing (since 2018 the contact person's office); often a mortgage-operations office, not the head office (see ho_city). |
| mart.lender | hmda_address_state | text | State (two-letter postal code) of the address on the lender's latest HMDA filing; often not the head office (see ho_state). |
| mart.lender | lei | text | LEI (Legal Entity Identifier, the 20-character global company ID HMDA filers use since 2018) the lender filed under most recently; empty for lenders that stopped filing before 2018. |
| mart.lender | rssd | text | RSSD ID (the Federal Reserve's ID for a financial institution), the most recent on file; empty for most non-bank lenders. |
| mart.lender | arid | text | HMDA respondent ID with its agency code (ARID), the filer ID used before 2018; the most recent one. Empty for lenders that first filed in 2018 or later. |
| mart.lender | first_year | smallint | First year the lender appears in HMDA; empty for institutions that never filed. |
| mart.lender | last_year | smallint | Latest year the lender appears in HMDA; empty for institutions that never filed. |
| mart.lender | k_lender_survivor | integer | The institution this lender ended up in after every merger and acquisition on file (itself if never absorbed); group by it to see today's institutions. |
| mart.lender | survivor_name | text | Name of the surviving institution. |
| mart.lender | k_lender_top_holder | integer | Top of the ownership chain as of the latest year: the survivor's highest holding company, else the survivor, else the lender itself. |
| mart.lender | top_holder_name | text | Name of the top holder. |
| mart.lender | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| mart.lender | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| mart.lender | problematic | boolean | True when a known data problem is still open for this lender; dw.data_note explains it. |
| mart.lender | lender_type_current | text | Harmonised lender type (bank, credit union, non-bank kinds and so on) in the lender's latest year; for any given year use mart.lender_profile. |
| mart.lender | lender_type_current_year | smallint | The year lender_type_current describes: the lender's last HMDA year. |
| mart.lender | regulator_current | text | The lender's prudential regulator now, the federal agency that supervises its charter: OCC (Office of the Comptroller of the Currency: national banks and federal savings associations), FRS (Federal Reserve: state member banks), FDIC (Federal Deposit Insurance Corporation: state non-member banks and state savings institutions), NCUA (National Credit Union Administration: federally insured credit unions), STATE (supervised only by a state) or CFPB (Consumer Financial Protection Bureau: non-bank mortgage companies, which states also license). Not the agency the lender files HMDA with: see hmda_agency_current. |
| mart.lender | charter_class | text | Current charter class: for banks and thrifts the FDIC (Federal Deposit Insurance Corporation) class code (e.g. N national bank, SM state member bank, NM state non-member bank, SB savings bank); for credit unions FCU, FISCU or NFISCU (federal, federally insured state-chartered, or non-federally insured state-chartered). Empty for non-depositories. |
| mart.lender | charter_class_source | text | Where charter_class comes from: fdic (FDIC, Federal Deposit Insurance Corporation) or ncua (NCUA, National Credit Union Administration). |
| mart.lender | ho_street | text | Head-office street, from the best source for the latest year with an address (the FDIC and NCUA bank and credit-union regulators, the global LEI registry, the Department of Housing and Urban Development lender list or the HMDA filing); empty where only a city is known. |
| mart.lender | ho_city | text | Head-office city. |
| mart.lender | ho_state | text | Head-office state (two-letter postal code). |
| mart.lender | ho_zip | text | Head-office 5-digit ZIP code. |
| mart.lender | ho_lat | double precision | Head-office latitude; how precise it is is in ho_geo_precision. |
| mart.lender | ho_lon | double precision | Head-office longitude; how precise it is is in ho_geo_precision. |
| mart.lender | ho_geo_precision | text | How precise the head-office coordinates are: source_point (the publisher's own, e.g. the Federal Deposit Insurance Corporation), street, zip_centroid, city_centroid or none. |
| mart.lender | ho_address_source | text | Which source and address type the head office came from, e.g. fdic_inst:head_office or hmda_ts:mailing. |
| mart.lender | ho_address_year | smallint | The year the head-office address was taken from. |
| mart.lender | website_domain | text | Website domain, lower case, from the latest year that has one (from the credit-union regulator NCUA or the bank regulator FDIC). |
| mart.lender | phone_e164 | text | Head-office telephone in international format (+1 and ten digits), from the latest year that has one. |
| mart.lender | established_dt | date | Date the institution was established: from FDIC (Federal Deposit Insurance Corporation), else the NCUA (National Credit Union Administration) year opened (stored as 1 January), else the LEI registry's entity creation date (often a re-incorporation, not the founding). |
| mart.lender | established_source | text | Where established_dt comes from: fdic, ncua_year_opened (year only) or gleif (the global LEI registry). |
| mart.lender | is_active | boolean | True when the lender filed HMDA in the newest year loaded; empty for institutions that never filed. |
| mart.lender | k_lender_ultimate_parent | integer | Ultimate parent: the top of the Federal Reserve's holding-company chain in the lender's last HMDA year, else the ultimate parent in the global LEI registry (GLEIF); not the merger survivor (see k_lender_survivor). Empty when no source names a parent; not every parent is in mart.lender. |
| mart.lender | ultimate_parent_name | text | Name of the ultimate parent. |
| mart.lender | ultimate_parent_lei | text | LEI (Legal Entity Identifier) of the ultimate parent, where known. |
| mart.lender | ultimate_parent_source | text | Where the ultimate parent comes from: nic (the Federal Reserve's National Information Center) or gleif (the global LEI registry). |
| mart.lender | is_fha_approved | boolean | True when the lender's FHA (Federal Housing Administration) lender number is on the newest HUD (Department of Housing and Urban Development) Lender List, false when the approval has ended; empty when no FHA number is matched to the lender, which says nothing about approval. |
| mart.lender | fha_lender_number | text | 5-digit FHA (Federal Housing Administration) lender number matched to the lender through the FHA [crosswalk](#term:crosswalkLenderIds), from its latest matched year; coverage improves as more matches are confirmed. |
| mart.lender | is_ginnie_issuer | boolean | True when the lender is matched to a Ginnie Mae issuer with active pooled loans in the newest month held; false when no matched issuer (about 4.5% of active loans, mostly housing finance agencies and servicers, are not matched); empty only when no Ginnie Mae month is loaded. |
| mart.lender | ginnie_issuer_numbers | smallint[] | Ginnie Mae issuer numbers matched to the lender in the newest month held, ascending; usually one; empty when none. |
| mart.lender | hmda_agency_current | text | The agency the lender's latest HMDA filing went to: OCC, FRS (Federal Reserve), FDIC, OTS (Office of Thrift Supervision, until 2011), NCUA, HUD (Department of Housing and Urban Development) or CFPB. Since 2011 every bank, thrift and credit union with over $10 billion of assets files HMDA with the CFPB, so a large bank's HMDA agency is not its regulator (see regulator_current). For the agency in a given year use mart.lender_profile. |
| mart.lender | legal_name | text | The lender's full legal name: from the bank or credit-union regulator, the global LEI registry, the SEC (Securities and Exchange Commission) or the Federal Reserve's National Information Center, used only when it agrees with the name filed with HMDA; otherwise the filed name. lender_name keeps the filed name, which is often cut at 30 characters. |
| mart.lender | legal_name_source | text | Where legal_name comes from: fdic (Federal Deposit Insurance Corporation), gleif (the global LEI registry), sec (Securities and Exchange Commission filings), nic (the Federal Reserve's National Information Center) or hmda (the name as filed, when no fuller source agreed with it). |
| mart.lender | display_name | text | The lender's name for reports, as readers expect it: legal ending removed, proper case, abbreviations expanded ("Rocket Mortgage", "JPMorgan Chase Bank", "Fairway Independent Mortgage"). From dw.lender_name; rules, hand-kept brand spellings |
| mart.lender | display_name_legal | text | display_name with the legal ending in one standard form ("Rocket Mortgage, LLC", "JPMorgan Chase Bank, N.A.", "Fairway Independent Mortgage Corporation") and any trading name (", d/b/a ..."). From dw.lender_name. |
| mart.lender_area_year | k_lender_area_year | bigint | The row's ID number; a new one is given whenever the year is rebuilt, so link on lender, place and year instead. |
| mart.lender_area_year | k_period | integer | The year (links to mart.period). |
| mart.lender_area_year | k_lender | integer | The lender (links to mart.lender; same number as dw.lender). |
| mart.lender_area_year | k_geography | integer | The county (a county row of mart.geography, 2020 counties); a state row when the county is unknown or not on the 2020 list (such as Connecticut's planning regions from 2022), the unknown row when the state is unknown too. |
| mart.lender_area_year | k_lender_profile | integer | The lender's profile that year (links to mart.lender_profile). |
| mart.lender_area_year | hmda_records | integer | All of the lender's HMDA loan records in the county that year, whatever the outcome. |
| mart.lender_area_year | applications | integer | Applications (HMDA actions 1-5: originated, approved but not accepted, denied, withdrawn, closed as incomplete). |
| mart.lender_area_year | originations | integer | Loans originated (action 1). |
| mart.lender_area_year | originated_amount | numeric | Total amount of the loans originated, dollars. |
| mart.lender_area_year | purchased_loans | integer | Loans bought from another institution (action 6). |
| mart.lender_area_year | low_count | boolean | True when fewer than 5 loans were originated; such rows are kept, not dropped. |
| mart.lender_area_year | fha_endorsements | integer | FHA loans endorsed (insured) that year for properties in the county, else on the property's state row, credited to the lender through the current FHA lender [crosswalk](#term:crosswalkLenderIds); they add up to mart.lender_year.fha_endorsements. 2010 on. |
| mart.lender_area_year | fha_endorsed_amount | numeric | Insured amount of those FHA endorsements, dollars. |
| mart.lender_area_year | fdic_branches | integer | The lender's bank offices in the county (Federal Deposit Insurance Corporation Summary of Deposits, 30 June). |
| mart.lender_area_year | fdic_branch_deposits_000 | bigint | Deposits booked at those offices, thousands of dollars. |
| mart.lender_area_year | ncua_branches | integer | The lender's credit-union sites in the county at 31 December, from the National Credit Union Administration (NCUA); 2010 on. |
| mart.lender_area_year | branch_count | integer | Bank offices plus credit-union sites (fdic_branches + ncua_branches). |
| mart.lender_area_year | cra_sb_loans | bigint | CRA small-business loans originated in the county, from the Federal Financial Institutions Examination Council's aggregate tables, 1997 on; these may not add up exactly to mart.lender_year.cra_sb_loans, which comes from the lender's own disclosure totals. |
| mart.lender_area_year | cra_sb_amount_000 | bigint | Amount of those small-business loans, thousands of dollars. |
| mart.lender_area_year | cra_farm_loans | bigint | CRA small-farm loans originated in the county. |
| mart.lender_area_year | cra_farm_amount_000 | bigint | Amount of those small-farm loans, thousands of dollars. |
| mart.lender_area_year | problematic | boolean | True when a known data problem is still open for this row (dw.data_note); none so far. |
| mart.lender_area_year | created_dt | timestamp with time zone | When the row was written; every rebuild of the year writes new rows. |
| mart.lender_area_year | updated_dt | timestamp with time zone | When the row was last changed. |
| mart.lender_logo | k_lender | integer | |
| mart.lender_logo | variant | text | |
| mart.lender_logo | source_url | text | |
| mart.lender_logo | svg_fragment | text | |
| mart.lender_logo | css_crop | text | |
| mart.lender_logo | format | text | |
| mart.lender_logo | width | numeric | |
| mart.lender_logo | height | numeric | |
| mart.lender_logo | background | text | |
| mart.lender_logo | crop_x | numeric | |
| mart.lender_logo | crop_y | numeric | |
| mart.lender_logo | crop_w | numeric | |
| mart.lender_logo | crop_h | numeric | |
| mart.lender_logo | display_px_min | integer | |
| mart.lender_logo | copy_permitted | boolean | |
| mart.lender_logo | licence | text | |
| mart.lender_logo | display_basis | text | |
| mart.lender_logo | terms_url | text | |
| mart.lender_logo | terms_quote | text | |
| mart.lender_logo | trademark_notice | boolean | |
| mart.lender_logo | marks_restricted | boolean | |
| mart.lender_logo | sha256 | text | |
| mart.lender_logo | fetched_dt | timestamp with time zone | |
| mart.lender_logo | verified_dt | timestamp with time zone | |
| mart.lender_logo | verify_status | text | |
| mart.lender_logo | problematic | boolean | |
| mart.lender_logo | note | text | |
| mart.lender_month | k_lender_month | bigint | The row's ID number; a new one is given whenever the year is rebuilt, so link on lender and month instead. |
| mart.lender_month | k_period | integer | The year of the month (links to mart.period). |
| mart.lender_month | k_month | integer | The month, as yyyymm (links to mart.month). |
| mart.lender_month | k_lender | integer | The lender (links to mart.lender; same number as dw.lender). |
| mart.lender_month | k_lender_profile | integer | The lender's profile in that year (links to mart.lender_profile). |
| mart.lender_month | fha_endorsements | integer | FHA loans endorsed (insured) in the month with this lender as lender of record, matched through the current FHA lender [crosswalk](#term:crosswalkLenderIds); a year's months add up to mart.lender_year.fha_endorsements. |
| mart.lender_month | fha_endorsed_amount | numeric | Insured amount of those FHA loans, dollars. |
| mart.lender_month | fha_purchase_endorsements | integer | Of those FHA loans, home-purchase loans. |
| mart.lender_month | va_loans | integer | VA-guaranteed loans in the month, all loan types, from VA's monthly lender files, matched through that year's VA lender [crosswalk](#term:crosswalkLenderIds) (or the latest match for a year not yet covered); a VA lender name listed twice in one month is left out. |
| mart.lender_month | va_loan_amount | numeric | Total amount of those VA loans, dollars, as VA published it. |
| mart.lender_month | va_purchase_loans | integer | Of the VA loans, home-purchase loans. |
| mart.lender_month | va_irrrl_loans | integer | Of the VA loans, Interest Rate Reduction Refinancing Loans (IRRRL, VA's streamlined refinance). |
| mart.lender_month | va_cashout_loans | integer | Of the VA loans, cash-out refinances. |
| mart.lender_month | ginnie_active_loans | integer | Ginnie Mae loans the lender services as issuer at month end, summed over the issuer numbers matched to it; empty when the lender matches no issuer that month. Some months Ginnie Mae no longer posts are missing, and unmatched issuers are in no row, so totals fall short of Ginnie Mae's. |
| mart.lender_month | ginnie_active_upb | numeric | Unpaid principal balance (UPB) of those Ginnie Mae loans, dollars; for loans pooled in the last six months, whose balance Ginnie Mae withholds, the balance at issuance is used. |
| mart.lender_month | ginnie_dq30_loans | integer | Of the active Ginnie Mae loans, those 30-59 days delinquent at month end. |
| mart.lender_month | ginnie_dq60_loans | integer | Of the active Ginnie Mae loans, those 60-89 days delinquent. |
| mart.lender_month | ginnie_dq90plus_loans | integer | Of the active Ginnie Mae loans, those 90 or more days delinquent. |
| mart.lender_month | ginnie_cpr | numeric | Conditional prepayment rate of the lender's Ginnie Mae loans in the month, as an annualised fraction (0.0646 = 6.46% a year), from seasoned loans only; empty where no balance was disclosed. Very small books give extreme values (0 or 1), so read it with ginnie_active_loans. |
| mart.lender_month | ginnie_buyout_loans | integer | Ginnie Mae loans the lender bought out of pools in the month, mostly delinquent loans. |
| mart.lender_month | ginnie_buyout_upb | numeric | Unpaid balance of those buyouts, dollars. |
| mart.lender_month | ginnie_transfer_in_loans | integer | Ginnie Mae loans whose servicing moved to the lender in the month from another issuer. |
| mart.lender_month | ginnie_transfer_out_loans | integer | Ginnie Mae loans whose servicing the lender sold in the month; counted only for sellers still active that month, so transfers out are undercounted against transfers in. |
| mart.lender_month | problematic | boolean | True when a known data problem is still open for this row (dw.data_note); none so far. |
| mart.lender_month | created_dt | timestamp with time zone | When the row was written; every rebuild of the year writes new rows. |
| mart.lender_month | updated_dt | timestamp with time zone | When the row was last changed. |
| mart.lender_profile | k_lender_profile | integer | The profile's ID number in the database; stays the same when the table is rebuilt. |
| mart.lender_profile | lender_type | text | Harmonised lender type that year, from what HMDA, the FDIC (Federal Deposit Insurance Corporation), the NCUA (National Credit Union Administration) and the HUD lender list say: national, state member or state non-member bank, savings institution, credit union, foreign bank branch, several non-bank kinds, government, mixed (sources disagree) or unknown. |
| mart.lender_profile | lender_group | text | Broad group: depository, nondepository, mixed or unknown; decides whether size is measured by assets or loans. |
| mart.lender_profile | size_basis | text | What the size band measures: total_assets (depositories, from the year-end call report) or hmda_originations (everyone else, by loans originated that year); unknown on the unknown row. |
| mart.lender_profile | size_band | text | Size band: by total assets for depositories (<$100M up to $100B+, nominal dollars at regulatory thresholds), or by HMDA loans originated for others (0 up to 60,000+, at HMDA and lending-rule thresholds). Sort by size_band_order. |
| mart.lender_profile | size_band_order | smallint | Sort order of size_band, 1 = smallest; 9 = assets unknown; 99 = unknown row. |
| mart.lender_profile | regulator | text | Agency the lender reported HMDA through that year: OCC (Office of the Comptroller of the Currency), FRS (Federal Reserve), FDIC (Federal Deposit Insurance Corporation), OTS (Office of Thrift Supervision, to 2011), NCUA (National Credit Union Administration), HUD (Department of Housing and Urban Development) or CFPB (Consumer Financial Protection Bureau, 2011 on); unknown when the lender did not file. |
| mart.lender_profile | part_of_holding_company | boolean | True when the lender had a parent company that year, per the Federal Reserve's holding-company records or the global LEI registry; earlier years can miss a parent the lender has since left. Empty only on the unknown row. |
| mart.lender_profile | problematic | boolean | True when a known data problem is still open for this row; dw.data_note explains it. None so far. |
| mart.lender_profile | created_dt | timestamp with time zone | When the row was first written. |
| mart.lender_profile | updated_dt | timestamp with time zone | When the row was last changed. |
| mart.lender_year | k_lender_year | bigint | The row's ID number; a new one is given whenever the year is rebuilt, so link on lender and year (k_lender, k_period) instead. |
| mart.lender_year | k_period | integer | The year (links to mart.period). |
| mart.lender_year | k_lender | integer | The lender (links to mart.lender; same number as dw.lender). |
| mart.lender_year | k_lender_profile | integer | The lender's profile that year (links to mart.lender_profile). |
| mart.lender_year | filed_hmda | boolean | True when the lender filed HMDA data that year; false when the row exists only because another source has the lender. |
| mart.lender_year | hmda_records | integer | All of the lender's HMDA records that year: applications, purchased loans, preapproval-only requests and records with an invalid action code. |
| mart.lender_year | applications | integer | Applications: actions 1-5 (originated, approved but not accepted, denied, withdrawn, closed as incomplete). |
| mart.lender_year | originations | integer | Loans originated (action 1), not counting purchased loans. |
| mart.lender_year | approved_not_accepted | integer | Applications approved but not accepted by the applicant (action 2). |
| mart.lender_year | denials | integer | Applications denied (action 3). |
| mart.lender_year | withdrawals | integer | Applications withdrawn by the applicant (action 4). |
| mart.lender_year | closed_incomplete | integer | Files closed as incomplete (action 5). |
| mart.lender_year | purchased_loans | integer | Loans the lender bought from another institution (action 6). |
| mart.lender_year | decided_applications | integer | Applications with a decision (originated, approved but not accepted, or denied); the base of denial_rate. |
| mart.lender_year | denial_rate | numeric | Denials as a share (0-1) of decided applications; empty when nothing was decided. |
| mart.lender_year | originated_amount | numeric | Total amount of loans originated, dollars (from 2018 each loan amount is the midpoint of a $10,000 band). |
| mart.lender_year | purchased_amount | numeric | Total amount of loans purchased, dollars. |
| mart.lender_year | orig_conventional | integer | [Conventional](#term:conventional) loans originated (no government insurance or guarantee). |
| mart.lender_year | orig_conventional_amount | numeric | Total amount of those conventional loans, dollars. |
| mart.lender_year | orig_fha | integer | FHA-insured loans originated, as the lender reported them to HMDA (not FHA's own endorsement count; see fha_endorsements). |
| mart.lender_year | orig_fha_amount | numeric | Total amount of those FHA loans, dollars. |
| mart.lender_year | orig_va | integer | VA-guaranteed loans originated, as reported to HMDA (see va_loans for VA's own count). |
| mart.lender_year | orig_va_amount | numeric | Total amount of those VA loans, dollars. |
| mart.lender_year | orig_rhs | integer | Loans originated with a guarantee from the U.S. Department of Agriculture (USDA) Rural Housing Service or Farm Service Agency. |
| mart.lender_year | orig_rhs_amount | numeric | Total amount of those USDA loans, dollars. |
| mart.lender_year | amount_n | integer | Number of originations with a loan amount above zero: the base of the amount statistics. |
| mart.lender_year | amount_mean | numeric | Average loan amount of originations, dollars (rounded to the dollar). |
| mart.lender_year | amount_sd | numeric | Standard deviation of the loan amount of originations, dollars; empty when only one loan. |
| mart.lender_year | amount_min | numeric | Smallest loan amount originated, dollars. |
| mart.lender_year | amount_p25 | numeric | 25th percentile of loan amounts originated, dollars. |
| mart.lender_year | amount_median | numeric | Median loan amount originated, dollars. |
| mart.lender_year | amount_p75 | numeric | 75th percentile of loan amounts originated, dollars. |
| mart.lender_year | amount_max | numeric | Largest loan amount originated, dollars. |
| mart.lender_year | rate_n | integer | Number of originations with an interest rate reported: the base of the rate statistics; 0 before 2018, when HMDA did not collect the rate. |
| mart.lender_year | rate_mean | numeric | Average interest (note) rate of originations, percent. |
| mart.lender_year | rate_sd | numeric | Standard deviation of the interest rate of originations, percentage points. |
| mart.lender_year | rate_min | numeric | Lowest interest rate among originations, percent. |
| mart.lender_year | rate_p25 | numeric | 25th percentile of the interest rate, percent. |
| mart.lender_year | rate_median | numeric | Median interest rate of originations, percent. |
| mart.lender_year | rate_p75 | numeric | 75th percentile of the interest rate, percent. |
| mart.lender_year | rate_max | numeric | Highest interest rate among originations, percent. |
| mart.lender_year | lmi_borrower_n | integer | Originations where the borrower's income and the area median income are both known: the base of lmi_borrower_share. |
| mart.lender_year | lmi_borrower_share | numeric | Share (0-1) of those originations made to low- or moderate-income (LMI) borrowers, income below 80% of the area median. |
| mart.lender_year | lmi_tract_n | integer | Originations whose census tract income level is known: the base of lmi_tract_share. |
| mart.lender_year | lmi_tract_share | numeric | Share (0-1) of those originations in low- or moderate-income tracts, as the Federal Financial Institutions Examination Council classed the tract that year. |
| mart.lender_year | minority_tract_n | integer | Originations whose tract minority share is known: the base of majority_minority_tract_share. |
| mart.lender_year | majority_minority_tract_share | numeric | Share (0-1) of those originations in tracts where minorities are more than half the population. |
| mart.lender_year | higher_priced_n | integer | Originations where the higher-priced flag is defined (2004 on): the base of higher_priced_share. |
| mart.lender_year | higher_priced_share | numeric | Share (0-1) of those originations priced above that year's higher-priced reporting threshold (the threshold changed in 2018). |
| mart.lender_year | jumbo_n | integer | Originations where a conforming loan limit applies (first liens, not multifamily): the base of jumbo_share. |
| mart.lender_year | jumbo_share | numeric | Share (0-1) of those originations above the conforming loan limit (jumbo loans). |
| mart.lender_year | problematic_records | integer | The lender's HMDA records that year with a known open data problem (see dw.data_note). |
| mart.lender_year | low_count | boolean | True when fewer than 5 loans were originated; the row is kept, but its statistics rest on very few loans. Each statistic has its own count for a stricter threshold. |
| mart.lender_year | call_report_filer | text | Which regulatory financial report is linked to the lender that year: bank (FFIEC Call Report) or credit_union (National Credit Union Administration 5300 report); empty when none is linked, as for all non-depository lenders. |
| mart.lender_year | call_report_dt | date | Date of the call report used, normally 31 December. |
| mart.lender_year | total_assets_000 | bigint | Total assets, thousands of dollars, from the call report. |
| mart.lender_year | total_loans_000 | bigint | Total loans and leases, thousands of dollars, from the call report. |
| mart.lender_year | total_deposits_000 | bigint | Total deposits (credit unions: shares and deposits), thousands of dollars, from the call report. |
| mart.lender_year | equity_capital_000 | bigint | Total equity capital (credit unions: net worth), thousands of dollars, from the call report. |
| mart.lender_year | res14_first_lien_000 | bigint | First-lien loans on 1-4 family homes held on the books, thousands of dollars (credit unions: first mortgages). |
| mart.lender_year | res_mortgage_total_000 | bigint | All 1-4 family residential mortgage loans held, first and junior liens including home equity lines of credit (HELOCs), thousands of dollars. |
| mart.lender_year | loans_held_for_sale_000 | bigint | Loans held for sale, thousands of dollars (banks only). |
| mart.lender_year | mortgage_servicing_assets_000 | bigint | Mortgage servicing assets, thousands of dollars (banks only). |
| mart.lender_year | res_delinquent_000 | bigint | 1-4 family residential loans 30 or more days past due or not accruing interest, thousands of dollars (credit unions: delinquent real-estate loans). |
| mart.lender_year | res_net_chargeoffs_000 | bigint | 1-4 family residential loans charged off in the year less recoveries, thousands of dollars. |
| mart.lender_year | fha_endorsements | integer | FHA single-family loans endorsed (insured) in the calendar year with this lender as lender of record, February 2010 on, matched through the current FHA lender [crosswalk](#term:crosswalkLenderIds). Unmatched lenders are in no row, so the total over lenders is below HUD's and rises as matching improves. |
| mart.lender_year | fha_endorsed_amount | numeric | Insured amount of those FHA endorsements, dollars. |
| mart.lender_year | fha_purchase_endorsements | integer | Of those FHA endorsements, home-purchase loans. |
| mart.lender_year | va_loans | integer | VA-guaranteed loans in the calendar year, 2018 on, matched through the VA lender [crosswalk](#term:crosswalkLenderIds); empty where the lender's VA name is unmatched. |
| mart.lender_year | va_loans_fiscal_year | integer | VA-guaranteed loans in VA's fiscal year ending September of this row's year (October to September), 2006 on, from VA's history workbook; not a calendar-year figure. |
| mart.lender_year | cfpb_complaints | integer | Mortgage complaints received by the CFPB in the year against the companies matched to the lender by exact name, 2011 on. |
| mart.lender_year | cfpb_servicing_complaints | integer | Of those, complaints about servicing (trouble during payment, struggling to pay). |
| mart.lender_year | cfpb_origination_complaints | integer | Of those, complaints about applying for or closing the loan. |
| mart.lender_year | cfpb_heloc_complaints | integer | Of those, complaints about home equity lines of credit (HELOCs). |
| mart.lender_year | cfpb_timely_responses | integer | Of those, complaints the company answered in time. |
| mart.lender_year | cfpb_monetary_relief | integer | Of those, complaints closed with money paid to the consumer. |
| mart.lender_year | cra_sb_loans | bigint | CRA small-business loans originated, from the lender's own CRA disclosure state totals, 1996 on; only banks and thrifts large enough to report under CRA. |
| mart.lender_year | cra_sb_amount_000 | bigint | Amount of those small-business loans, thousands of dollars. |
| mart.lender_year | cra_sb_rev_lt_1m_loans | bigint | Of the small-business loans, those to businesses with annual revenue under $1 million. |
| mart.lender_year | cra_farm_loans | bigint | CRA small-farm loans originated, from the lender's disclosure state totals. |
| mart.lender_year | cra_farm_amount_000 | bigint | Amount of those small-farm loans, thousands of dollars. |
| mart.lender_year | fdic_branches | integer | Offices (main office and branches) of the lender's FDIC-insured (Federal Deposit Insurance Corporation) bank(s) at 30 June, 1994 on; each bank counts toward one lender a year. |
| mart.lender_year | fdic_branch_deposits_000 | bigint | Deposits booked at those offices at 30 June, thousands of dollars. |
| mart.lender_year | ncua_branches | integer | Sites of the lender's credit union at 31 December, from the National Credit Union Administration (NCUA), 2010 on; empty before, when no branch file was published. |
| mart.lender_year | ncua_shares_deposits_000 | bigint | Credit union's total shares and deposits at 31 December, thousands of dollars (NCUA publishes no branch-level deposits). |
| mart.lender_year | branch_count | integer | Bank offices plus credit-union sites (fdic_branches + ncua_branches). |
| mart.lender_year | problematic | boolean | True when two call reports matched the lender-year equally well and one was chosen; see dw.data_note. |
| mart.lender_year | created_dt | timestamp with time zone | When the row was written; every rebuild of the year writes new rows. |
| mart.lender_year | updated_dt | timestamp with time zone | When the row was last changed. |
| mart.lender_year | exempt_records | integer | HMDA records that used the 2018 [partial exemption](#term:partialExemption), which lets smaller banks and credit unions (under 500 loans a year) omit 26 data points; 0 = not used that year, empty before 2018 or without a filing. |
| mart.lender_year | uses_exemption | boolean | True when the lender used the [partial exemption](#term:partialExemption) on at least one record that year. |
| mart.loan | k_lar | bigint | The record's ID number in the database; the same number as in dw.lar, for any field not carried here. |
| mart.loan | k_period | integer | Year of the record (2025 = 2025); always filter on it to read only the years you need. |
| mart.loan | k_lender | integer | The lender that reported the record (see mart.lender); to group by today's institution use mart.lender.k_lender_survivor. |
| mart.loan | k_geography | integer | Where the property is (see mart.geography): its 2020 census tract, else the county, else the state, else unknown. |
| mart.loan | k_loan_profile | integer | Loan type, purpose, lien, occupancy and dwelling (see mart.loan_profile). |
| mart.loan | k_applicant | integer | Applicant race, ethnicity, sex, age band and co-applicant (see mart.applicant). |
| mart.loan | k_action | integer | Action taken on the application: originated, denied, withdrawn, purchased and so on (see mart.action). |
| mart.loan | k_denial | integer | Denial reasons given (see mart.denial); the no-reason row when none was given. |
| mart.loan | k_loan_terms | integer | Purchaser, preapproval, high-cost status and debt-to-income band (see mart.loan_terms). |
| mart.loan | loan_amount | numeric | Loan amount in dollars. |
| mart.loan | income | numeric | Applicant income in dollars. |
| mart.loan | rate_spread | numeric | [Rate spread](#term:rateSpread) as filed: APR (annual percentage rate) minus the average prime offer rate. Before 2018 reported only above a threshold, so not comparable across 2018; use is_higher_priced to compare years. |
| mart.loan | is_higher_priced | boolean | True when an originated loan was priced above its year's reporting threshold; empty before 2004 and for loans not originated. |
| mart.loan | property_value | numeric | Property value in dollars; 2018 on. |
| mart.loan | interest_rate | numeric | Interest rate on the loan, percent, as filed; 2018 on; empty when not applicable or the lender used the [partial exemption](#term:partialExemption). |
| mart.loan | combined_ltv | numeric | Combined loan-to-value ratio, percent: all debt secured by the property divided by its value; 2018 on; empty when not applicable or exempt. |
| mart.loan | loan_term | integer | Months until the loan matures (360 = 30 years); 2018 on; empty when not applicable or exempt. |
| mart.loan | total_loan_costs | numeric | Total loan costs in dollars from the closing disclosure; 2018 on, closed-end loans only. |
| mart.loan | total_points_and_fees | numeric | Total points and fees in dollars as the Truth in Lending rules define them; 2018 on, only for loans with no closing disclosure, such as lines of credit. |
| mart.loan | origination_charges | numeric | Borrower-paid origination charges in dollars from the closing disclosure; 2018 on, closed-end loans only. |
| mart.loan | discount_points | numeric | Points paid to lower the interest rate, in dollars; 2018 on; empty when none, not applicable or exempt. |
| mart.loan | lender_credits | numeric | Amounts the lender paid toward the borrower's closing costs, in dollars; 2018 on; empty when none, not applicable or exempt. |
| mart.loan | problematic | boolean | True when a known data problem is still open for this record; dw.data_note explains it. |
| mart.loan | created_dt | timestamp with time zone | When the warehouse wrote this row (each year is rewritten when rebuilt). |
| mart.loan | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| mart.loan | adjusted | boolean | True when a published value was corrected; the original row is kept in dw.lar_original. |
| mart.loan | intro_rate_period | integer | Months before the first rate change, as filed; 2018 on; empty for a fixed-rate loan. |
| mart.loan | loan_amount_2025 | numeric | Loan amount in 2025 dollars, adjusted by consumer prices (CPI-U). |
| mart.loan | income_2025 | numeric | Applicant income in 2025 dollars, adjusted by consumer prices (CPI-U). |
| mart.loan | property_value_2025 | numeric | Property value in 2025 dollars, adjusted by consumer prices, not house prices (for that see est_value_2025). |
| mart.loan | area_median_family_income | integer | HUD (Department of Housing and Urban Development) median family income of the loan's metro area, or the state's non-metro area, for the loan's year, as published with HMDA; empty in 1990. |
| mart.loan | borrower_income_pct_ami | numeric | Borrower income as a percent of the area median family income, the measure CRA (Community Reinvestment Act) uses for borrower income levels. |
| mart.loan | is_lmi_borrower | boolean | True when the borrower is LMI (low- or moderate-income): income below 80% of the area median, under the CRA (Community Reinvestment Act) definition. |
| mart.loan | tract_income_pct | numeric | The census tract's median family income as a percent of its area's, as published for the loan's year. |
| mart.loan | tract_income_level | text | CRA (Community Reinvestment Act) income level of the tract: low (<50%), moderate (50-<80%), middle (80-<120%) or upper (120%+); empty when no figure was published. |
| mart.loan | tract_minority_pct | numeric | Minority share of the tract's population, percent, as published for the loan's year. |
| mart.loan | loan_to_local_median | numeric | Loan amount divided by the median home-purchase loan amount in the same tract, county or state that year (see local_median_level). |
| mart.loan | local_median_level | text | Which area loan_to_local_median compares with: tract (5 or more home-purchase loans there that year), county or state. |
| mart.loan | conforming_limit | integer | Fannie Mae / Freddie Mac loan limit for the loan's county, year and number of units, in dollars; empty for 5+ unit multifamily. |
| mart.loan | is_jumbo | boolean | True when a first-lien loan is above the conforming limit; from 2018 loans within $5,000 of the limit can be misclassified because amounts are reported in $10,000 bands. |
| mart.loan | hpi_change_since_loan | numeric | House-price change from the loan's year to 2025 by the FHFA (Federal Housing Finance Agency) house price index, as a fraction, for the tract, ZIP or county (see hpi_level). |
| mart.loan | hpi_level | text | Which FHFA (Federal Housing Finance Agency) house price index area hpi_change_since_loan uses: tract, zip or county. |
| mart.loan | est_value_2025 | numeric | Estimated 2025 value of the home: property value grown by the area's house-price change. An index estimate, not an appraisal; 2018 on. |
| mart.loan | est_balance_2025 | numeric | Estimated scheduled balance in mid-2025 of an originated loan, ignoring prepayment, refinancing and rate resets; empty for interest-only, balloon and negative-amortization loans; 2018 on. |
| mart.loan | est_ltv_2025 | numeric | Estimated current loan-to-value of this loan alone, percent: est_balance_2025 / est_value_2025. |
| mart.loan | county_unemployment_rate | numeric | Annual average unemployment rate of the county in the loan's year, percent, from the Bureau of Labor Statistics. |
| mart.loan | apor_year | numeric | APOR (average prime offer rate) for the loan's product, annual average of the weekly rates; 2018 on, where the interest rate is reported. |
| mart.loan | rate_premium_year | numeric | Interest rate minus the year's average prime offer rate for the same product; not the filed rate spread, which uses the APR (with fees) and the week's rate. |
| mart.loan | rate_pctile_year | numeric | Where the loan's interest rate ranks (0-1) among originated loans of the same year, product and lien. |
| mart.loan | real_rate_exante | numeric | Interest rate minus the year's average expected inflation from 10-year Treasury breakevens: the expected real rate at origination; 2018 on. |
| mart.loan | k_lender_profile | integer | The lender's profile in the loan's year (see mart.lender_profile: type, size band, regulator, holding company); unknown when nothing is known. |
| mart.loan_profile | k_loan_profile | integer | The ID number the warehouse gives each combination of loan attributes. |
| mart.loan_profile | loan_type | text | [Conventional](#term:conventional) (no government guarantee), fha (Federal Housing Administration insured), va (Department of Veterans Affairs guaranteed) or usda (Department of Agriculture rural housing); na when missing or invalid. |
| mart.loan_profile | loan_purpose | text | purchase, refinance (including cash-out), improvement, other (2018 on) or multifamily (1990-2003 only); na when not applicable or missing. |
| mart.loan_profile | lien | text | first, subordinate (second or later lien), unsecured (before 2018) or na; always na 1990-2003, when lien was not collected. |
| mart.loan_profile | occupancy | text | principal (the borrower's main home), not_principal (second home or investment property) or na. |
| mart.loan_profile | dwelling | text | single_family (1-4 family site-built), manufactured (1-4 family manufactured home), multifamily (5+ units) or na; 1990-2003 is single_family unless the loan was multifamily. |
| mart.loan_profile | is_core_market | boolean | True for the standard home-lending market used for market share and fair lending: first lien, principal residence, 1-4 family, not a line of credit, business loan or reverse mortgage (1990-2003: owner-occupied purchase, improvement or refinance). |
| mart.loan_profile | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| mart.loan_profile | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| mart.loan_profile | problematic | boolean | True when a known data problem is still open for this row; dw.data_note explains it. |
| mart.loan_terms | k_loan_terms | integer | The ID number the warehouse gives each combination of purchaser, preapproval, high-cost status and debt-to-income band. |
| mart.loan_terms | purchaser | text | Who bought the loan, with codes merged so the categories match across years (e.g. banks and savings institutions together before 2004). |
| mart.loan_terms | preapproval | text | Whether the applicant asked for a preapproval: requested, not requested, not applicable, not reported (before 2004) or unknown. |
| mart.loan_terms | hoepa | text | Whether the loan is a high-cost mortgage under HOEPA (Home Ownership and Equity Protection Act): high-cost, not high-cost, not applicable, not reported (before 2004) or unknown. |
| mart.loan_terms | dti_band | text | Debt-to-income ratio band as published from 2018: ranges, single percentages from 36 to 49, or Exempt under the [partial exemption](#term:partialExemption). Sort by dti_band_order. |
| mart.loan_terms | dti_band_order | smallint | Sort order of dti_band, lowest ratio first (1 = <20%); 20 and above are Exempt, not applicable, not reported and unknown. |
| mart.loan_terms | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| mart.loan_terms | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| mart.month | k_month | integer | The month as a number yyyymm (202503 = March 2025); sorts in time order. |
| mart.month | k_period | integer | The calendar year, which is the key of mart.period. |
| mart.month | year | smallint | Calendar year. |
| mart.month | quarter | smallint | Calendar quarter, 1-4. |
| mart.month | month | smallint | Month number, 1-12. |
| mart.month | month_name | text | English month name. |
| mart.month | month_start | date | First day of the month. |
| mart.month | month_end | date | Last day of the month. |
| mart.month | days | smallint | Number of days in the month. |
| mart.month | fiscal_year | smallint | US federal fiscal year (October to September), named for the year it ends in: October 2024 is FY2025. |
| mart.month | fiscal_quarter | smallint | Quarter of the federal fiscal year: 1 = October-December, 2 = January-March, 3 = April-June, 4 = July-September. |
| mart.month | problematic | boolean | True when a known data problem is still open for this row; dw.data_note explains it. None so far. |
| mart.month | created_dt | timestamp with time zone | When the row was first written. |
| mart.month | updated_dt | timestamp with time zone | When the row was last changed. |
| mart.period | k_period | integer | The year itself (2025 = 2025); every fact table is stored in one piece per year on it. |
| mart.period | year | smallint | Calendar year; for HMDA data, the year the lender took final action on the application. |
| mart.period | start_dt | date | 1 January of the year. |
| mart.period | mid_dt | date | Mid-year date (2 July), for plotting yearly figures on a time axis. |
| mart.period | end_dt | date | 31 December of the year. |
| mart.period | code_era | text | Which set of HMDA field codes applied: pre2004 (1990-2003), pre2018 (2004-2017) or 2018on; the mart's labels are already comparable across eras. |
| mart.period | census_vintage | smallint | Census whose tract boundaries HMDA used that year (1980, 1990, 2000, 2010 or 2020); the mart places every loan in a 2020 tract regardless. |
| mart.period | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| mart.period | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| mart.period | problematic | boolean | True when a known data problem is still open for this row; dw.data_note explains it. |
| mart.report_market_lender_year | year | smallint | |
| mart.report_market_lender_year | k_lender | integer | |
| mart.report_market_lender_year | display_name | text | |
| mart.report_market_lender_year | kind | text | |
| mart.report_market_lender_year | originations | bigint | |
| mart.report_market_lender_year | originated_amount | numeric | |
| mart.report_market_lender_year | purchase_originations | bigint | |
| mart.report_state_leader | year | smallint | |
| mart.report_state_leader | state_abbr | character(2) | |
| mart.report_state_leader | state_name | text | |
| mart.report_state_leader | rank | integer | |
| mart.report_state_leader | k_lender | integer | |
| mart.report_state_leader | display_name | text | |
| mart.report_state_leader | originations | bigint | |
| mart.report_state_leader | market_originations | bigint | |
| mart.report_state_leader | share | double precision | |
| mart.zip | k_zip | integer | The ZIP's ID number in the database; mart.geography.k_zip points here. |
| mart.zip | zip | character(5) | Five-digit ZIP code; Census figures use the ZIP Code Tabulation Area (ZCTA) with the same number. |
| mart.zip | lat | double precision | Latitude of the ZIP's central point (Census 2021). |
| mart.zip | lon | double precision | Longitude of the ZIP's central point (Census 2021). |
| mart.zip | land_sqmi | double precision | Land area in square miles (Census 2021). |
| mart.zip | population | integer | Residents (ACS 2020-2024). |
| mart.zip | pop_density | double precision | People per square mile of land (population / land_sqmi). |
| mart.zip | median_household_income | integer | Median household income, dollars (ACS 2020-2024). |
| mart.zip | per_capita_income | integer | Income per resident, dollars (ACS 2020-2024). |
| mart.zip | poverty_rate | double precision | Share (0-1) of people living below the poverty line, among those whose poverty status is known (ACS 2020-2024). |
| mart.zip | unemployment_rate | double precision | Unemployed as a share (0-1) of the civilian labour force (ACS 2020-2024). |
| mart.zip | homeownership_rate | double precision | Owner-occupied homes as a share (0-1) of occupied homes (ACS 2020-2024). |
| mart.zip | median_home_value | integer | Median value of owner-occupied homes as owners estimate it, dollars (ACS 2020-2024). |
| mart.zip | median_gross_rent | integer | Median monthly rent plus utilities, dollars (ACS 2020-2024). |
| mart.zip | irs_returns | integer | Individual income-tax returns filed from the ZIP, tax year 2022 (IRS Statistics of Income). |
| mart.zip | irs_agi_per_return | numeric | Adjusted gross income per tax return, dollars, tax year 2022 (IRS). |
| mart.zip | irs_pct_mortgage_interest | double precision | Share (0-1) of tax returns deducting home mortgage interest, tax year 2022; only itemisers deduct it, so it understates how many have a mortgage. |
| mart.zip | establishments | integer | Business establishments in the ZIP (Census ZIP Code Business Patterns 2023). |
| mart.zip | employment | integer | Employees of those establishments in mid-March 2023. |
| mart.zip | payroll_annual_000 | bigint | Annual payroll of those establishments, thousands of dollars (2023). |
| mart.zip | safmr_2br | integer | HUD Small Area Fair Market Rent for a two-bedroom unit, dollars a month, latest fiscal year: the rent HUD uses for housing vouchers. |
| mart.zip | hpi_2025 | double precision | FHFA ZIP house price index for 2025 (100 = the ZIP's first year). |
| mart.zip | hpi_change_1y | double precision | One-year house-price change, 2024 to 2025, from the FHFA ZIP index (0.05 = 5%). |
| mart.zip | hpi_change_5y | double precision | Five-year house-price change, 2020 to 2025, from the FHFA ZIP index (0.05 = 5%). |
| mart.zip | ruca_code | numeric | Rural-Urban Commuting Area code of the ZIP from the U.S. Department of Agriculture (USDA), 2020: 1 = metropolitan core through 10 = rural; 99 = no population. |
| mart.zip | is_rural | boolean | True when the rural-urban code is 4-10, outside metro cores and their commuting areas. |
| mart.zip | pct_no_health_insurance | double precision | Percent (0-100) of adults 18-64 without health insurance, a modelled estimate from the Centers for Disease Control and Prevention (CDC) PLACES project, latest release. |
| mart.zip | pct_housing_insecurity | double precision | Percent (0-100) of adults reporting housing insecurity in the past year, a modelled CDC (Centers for Disease Control and Prevention) PLACES estimate, latest release. |
| mart.zip | hmda_purchase_value_median | numeric | Median property value of 2025 HMDA owner-occupied first-lien home purchases in the ZIP, dollars. |
| mart.zip | hmda_purchase_n | integer | Number of loans behind hmda_purchase_value_median; use it to judge how reliable the median is. |
| mart.zip | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| mart.zip | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| mart.zip | problematic | boolean | True when a known data problem is still open for this row; dw.data_note explains it. |
| dw.acs_tract | k_acs_tract | integer | The row's ID number in the warehouse; tables join on it rather than on the published codes. |
| dw.acs_tract | acs_year | smallint | Last year of the ACS (American Community Survey) five-year period (2024 means 2020-2024). |
| dw.acs_tract | acs_period | text | The five survey years the estimate covers, e.g. 2020-2024; the only period loaded so far. |
| dw.acs_tract | tract_code | character(11) | 11-digit census tract code as the ACS publishes it; Connecticut uses its 2022 planning-region county codes. |
| dw.acs_tract | tract_code_2020 | character(11) | The tract's code under the 2020 county boundaries, matching dw.census_tract; differs only in Connecticut, and is empty for Connecticut water tracts that cannot be matched one to one. |
| dw.acs_tract | county_fips | character(5) | 5-digit county FIPS (Federal Information Processing Standards) code, the first five digits of the tract code; in Connecticut, the planning region. |
| dw.acs_tract | pop_total | integer | Total population. |
| dw.acs_tract | pop_total_moe | integer | Margin of error of the total population, at 90% confidence. |
| dw.acs_tract | pop_under_18 | integer | People under 18. |
| dw.acs_tract | pop_18_34 | integer | People aged 18 to 34. |
| dw.acs_tract | pop_35_64 | integer | People aged 35 to 64. |
| dw.acs_tract | pop_65_plus | integer | People aged 65 and over. |
| dw.acs_tract | hispanic | integer | Hispanic or Latino people, of any race. |
| dw.acs_tract | nh_white | integer | Non-Hispanic people who are White alone. |
| dw.acs_tract | nh_black | integer | Non-Hispanic people who are Black or African American alone. |
| dw.acs_tract | nh_aian | integer | Non-Hispanic people who are American Indian or Alaska Native alone. |
| dw.acs_tract | nh_asian | integer | Non-Hispanic people who are Asian alone. |
| dw.acs_tract | nh_nhpi | integer | Non-Hispanic people who are Native Hawaiian or Other Pacific Islander alone. |
| dw.acs_tract | nh_other | integer | Non-Hispanic people of some other race alone. |
| dw.acs_tract | nh_two_or_more | integer | Non-Hispanic people of two or more races. |
| dw.acs_tract | median_household_income | integer | Median household income in 2024 dollars; 250001 means $250,000 or more, and it is empty when the Census Bureau could not compute it. |
| dw.acs_tract | median_household_income_moe | integer | Margin of error of median household income, at 90% confidence. |
| dw.acs_tract | per_capita_income | integer | Income per person, in 2024 dollars. |
| dw.acs_tract | per_capita_income_moe | integer | Margin of error of per capita income, at 90% confidence. |
| dw.acs_tract | poverty_universe | integer | People whose poverty status can be determined; the base of the poverty rate. |
| dw.acs_tract | below_poverty | integer | People with income below the poverty level. |
| dw.acs_tract | pop_16_plus | integer | People aged 16 and over. |
| dw.acs_tract | labor_force | integer | People in the labor force, including the Armed Forces. |
| dw.acs_tract | civilian_labor_force | integer | Civilian labor force; the base of the unemployment rate. |
| dw.acs_tract | unemployed | integer | Civilians who are unemployed. |
| dw.acs_tract | pop_25_plus | integer | People aged 25 and over; the base of the degree share. |
| dw.acs_tract | bachelors_plus | integer | People 25 and over with a bachelor's, master's, professional or doctoral degree. |
| dw.acs_tract | housing_units | integer | Number of housing units. |
| dw.acs_tract | housing_units_moe | integer | Margin of error of the housing-unit count, at 90% confidence. |
| dw.acs_tract | occupied_units | integer | Occupied housing units, which equals the number of households. |
| dw.acs_tract | vacant_units | integer | Vacant housing units. |
| dw.acs_tract | owner_occupied | integer | Housing units lived in by their owners. |
| dw.acs_tract | renter_occupied | integer | Housing units lived in by renters. |
| dw.acs_tract | owners_with_mortgage | integer | Owner-occupied units with a mortgage, purchase contract or similar debt. |
| dw.acs_tract | owners_without_mortgage | integer | Owner-occupied units with no mortgage. |
| dw.acs_tract | median_home_value | integer | Median value of owner-occupied homes, in dollars; 2000001 means $2,000,000 or more. |
| dw.acs_tract | median_home_value_moe | integer | Margin of error of the median home value, at 90% confidence. |
| dw.acs_tract | value_lt_50k | integer | Owner-occupied homes valued under $50,000. |
| dw.acs_tract | value_50k_100k | integer | Owner-occupied homes valued $50,000 to $99,999. |
| dw.acs_tract | value_100k_150k | integer | Owner-occupied homes valued $100,000 to $149,999. |
| dw.acs_tract | value_150k_200k | integer | Owner-occupied homes valued $150,000 to $199,999. |
| dw.acs_tract | value_200k_300k | integer | Owner-occupied homes valued $200,000 to $299,999. |
| dw.acs_tract | value_300k_500k | integer | Owner-occupied homes valued $300,000 to $499,999. |
| dw.acs_tract | value_500k_750k | integer | Owner-occupied homes valued $500,000 to $749,999. |
| dw.acs_tract | value_750k_1m | integer | Owner-occupied homes valued $750,000 to $999,999. |
| dw.acs_tract | value_1m_plus | integer | Owner-occupied homes valued $1,000,000 or more. |
| dw.acs_tract | median_gross_rent | integer | Median gross rent per month, in dollars; 3501 means $3,500 or more. |
| dw.acs_tract | median_gross_rent_moe | integer | Margin of error of the median gross rent, at 90% confidence. |
| dw.acs_tract | owner_cost_universe | integer | All owner-occupied units, including those whose cost-to-income ratio could not be computed; base of the owner cost-burden rate. |
| dw.acs_tract | owner_cost_not_computed | integer | Owner-occupied units whose housing cost-to-income ratio could not be computed. |
| dw.acs_tract | owner_cost_burdened | integer | Owner-occupied units spending 30% or more of income on housing costs. |
| dw.acs_tract | mortgaged_cost_burdened | integer | Mortgaged owner units spending 30% or more of income on housing costs. |
| dw.acs_tract | mortgaged_cost_universe | integer | All owner units with a mortgage, including those whose ratio could not be computed. |
| dw.acs_tract | mortgaged_cost_not_computed | integer | Mortgaged owner units whose cost-to-income ratio could not be computed. |
| dw.acs_tract | renter_cost_universe | integer | All renter-occupied units, including those whose ratio could not be computed. |
| dw.acs_tract | renter_cost_not_computed | integer | Renter units whose rent-to-income ratio could not be computed. |
| dw.acs_tract | renter_cost_burdened | integer | Renter units paying 30% or more of income in gross rent. |
| dw.acs_tract | median_smoc_with_mortgage | integer | Median monthly owner costs (mortgage, taxes, insurance, utilities and similar) for homes with a mortgage, in dollars. |
| dw.acs_tract | median_smoc_without_mortgage | integer | Median monthly owner costs for homes without a mortgage, in dollars. |
| dw.acs_tract | median_monthly_housing_costs | integer | Median monthly housing costs of occupied units that pay them, in dollars. |
| dw.acs_tract | bedrooms_0 | integer | Housing units with no bedroom. |
| dw.acs_tract | bedrooms_1 | integer | Housing units with 1 bedroom. |
| dw.acs_tract | bedrooms_2 | integer | Housing units with 2 bedrooms. |
| dw.acs_tract | bedrooms_3 | integer | Housing units with 3 bedrooms. |
| dw.acs_tract | bedrooms_4 | integer | Housing units with 4 bedrooms. |
| dw.acs_tract | bedrooms_5_plus | integer | Housing units with 5 or more bedrooms. |
| dw.acs_tract | units_1_detached | integer | Housing units that are detached single-family homes. |
| dw.acs_tract | units_1_attached | integer | Housing units that are attached single-family homes, such as townhouses. |
| dw.acs_tract | units_2_4 | integer | Housing units in buildings of 2 to 4 units. |
| dw.acs_tract | units_5_plus | integer | Housing units in buildings of 5 or more units. |
| dw.acs_tract | units_mobile_home | integer | Mobile homes. |
| dw.acs_tract | units_boat_rv_van | integer | Boats, RVs, vans and similar used as homes. |
| dw.acs_tract | median_year_built | smallint | Median year the buildings were built; 1938 means 1939 or earlier. |
| dw.acs_tract | median_age | numeric(5,1) | Median age of residents, in years. |
| dw.acs_tract | median_age_moe | numeric(5,1) | Margin of error of the median age, at 90% confidence. |
| dw.acs_tract | median_rooms | numeric(5,1) | Median number of rooms per housing unit. |
| dw.acs_tract | avg_household_size | numeric(5,2) | Average number of people per household (the Census Bureau publishes no median). |
| dw.acs_tract | avg_household_size_owner | numeric(5,2) | Average household size in owner-occupied homes. |
| dw.acs_tract | avg_household_size_renter | numeric(5,2) | Average household size in rented homes. |
| dw.acs_tract | value_bins | integer[] | Counts of owner-occupied homes in all 26 Census value bands, from under $10,000 to $2 million or more, in order. |
| dw.acs_tract | minority_share | numeric(5,4) | Share of the population that is not non-Hispanic White, as a fraction (the Federal Financial Institutions Examination Council (FFIEC) minority definition). |
| dw.acs_tract | poverty_rate | numeric(5,4) | Share of people below the poverty level, as a fraction. |
| dw.acs_tract | unemployment_rate | numeric(5,4) | Unemployed as a share of the civilian labor force, as a fraction. |
| dw.acs_tract | bachelors_plus_share | numeric(5,4) | Share of people 25 and over with at least a bachelor's degree, as a fraction. |
| dw.acs_tract | vacancy_rate | numeric(5,4) | Vacant units as a share of all housing units, as a fraction. |
| dw.acs_tract | homeownership_rate | numeric(5,4) | Owner-occupied units as a share of occupied units, as a fraction. |
| dw.acs_tract | mortgaged_share | numeric(5,4) | Share of owner-occupied homes with a mortgage, as a fraction. |
| dw.acs_tract | owner_cost_burden_rate | numeric(5,4) | Share of owner households spending 30% or more of income on housing, among those where it could be computed. |
| dw.acs_tract | mortgaged_cost_burden_rate | numeric(5,4) | Share of mortgaged owners spending 30% or more of income on housing, among those where it could be computed. |
| dw.acs_tract | renter_cost_burden_rate | numeric(5,4) | Share of renters paying 30% or more of income in rent, among those where it could be computed. |
| dw.acs_tract | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.acs_tract | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.acs_tract | problematic | boolean | True when the 2020 tract code does not match a tract in dw.census_tract, so the row cannot be joined on it. |
| dw.acs_zcta | k_acs_zcta | integer | The row's ID number in the warehouse; tables join on it rather than on the published codes. |
| dw.acs_zcta | acs_year | smallint | Last year of the five-year survey period (2024 means 2020-2024). |
| dw.acs_zcta | acs_period | text | The five survey years the estimate covers, e.g. 2020-2024; the only period loaded so far. |
| dw.acs_zcta | zcta | character(5) | 5-digit ZIP Code Tabulation Area (ZCTA), 2020 definitions. |
| dw.acs_zcta | pop_total | integer | Total population. |
| dw.acs_zcta | pop_total_moe | integer | Margin of error of the total population, at 90% confidence. |
| dw.acs_zcta | pop_under_18 | integer | People under 18. |
| dw.acs_zcta | pop_18_34 | integer | People aged 18 to 34. |
| dw.acs_zcta | pop_35_64 | integer | People aged 35 to 64. |
| dw.acs_zcta | pop_65_plus | integer | People aged 65 and over. |
| dw.acs_zcta | hispanic | integer | Hispanic or Latino people, of any race. |
| dw.acs_zcta | nh_white | integer | Non-Hispanic people who are White alone. |
| dw.acs_zcta | nh_black | integer | Non-Hispanic people who are Black or African American alone. |
| dw.acs_zcta | nh_aian | integer | Non-Hispanic people who are American Indian or Alaska Native alone. |
| dw.acs_zcta | nh_asian | integer | Non-Hispanic people who are Asian alone. |
| dw.acs_zcta | nh_nhpi | integer | Non-Hispanic people who are Native Hawaiian or Other Pacific Islander alone. |
| dw.acs_zcta | nh_other | integer | Non-Hispanic people of some other race alone. |
| dw.acs_zcta | nh_two_or_more | integer | Non-Hispanic people of two or more races. |
| dw.acs_zcta | median_household_income | integer | Median household income in 2024 dollars; 250001 means $250,000 or more, and it is empty when the Census Bureau could not compute it. |
| dw.acs_zcta | median_household_income_moe | integer | Margin of error of median household income, at 90% confidence. |
| dw.acs_zcta | per_capita_income | integer | Income per person, in 2024 dollars. |
| dw.acs_zcta | per_capita_income_moe | integer | Margin of error of per capita income, at 90% confidence. |
| dw.acs_zcta | poverty_universe | integer | People whose poverty status can be determined; the base of the poverty rate. |
| dw.acs_zcta | below_poverty | integer | People with income below the poverty level. |
| dw.acs_zcta | pop_16_plus | integer | People aged 16 and over. |
| dw.acs_zcta | labor_force | integer | People in the labor force, including the Armed Forces. |
| dw.acs_zcta | civilian_labor_force | integer | Civilian labor force; the base of the unemployment rate. |
| dw.acs_zcta | unemployed | integer | Civilians who are unemployed. |
| dw.acs_zcta | pop_25_plus | integer | People aged 25 and over; the base of the degree share. |
| dw.acs_zcta | bachelors_plus | integer | People 25 and over with a bachelor's, master's, professional or doctoral degree. |
| dw.acs_zcta | housing_units | integer | Number of housing units. |
| dw.acs_zcta | housing_units_moe | integer | Margin of error of the housing-unit count, at 90% confidence. |
| dw.acs_zcta | occupied_units | integer | Occupied housing units, which equals the number of households. |
| dw.acs_zcta | vacant_units | integer | Vacant housing units. |
| dw.acs_zcta | owner_occupied | integer | Housing units lived in by their owners. |
| dw.acs_zcta | renter_occupied | integer | Housing units lived in by renters. |
| dw.acs_zcta | owners_with_mortgage | integer | Owner-occupied units with a mortgage, purchase contract or similar debt. |
| dw.acs_zcta | owners_without_mortgage | integer | Owner-occupied units with no mortgage. |
| dw.acs_zcta | median_home_value | integer | Median value of owner-occupied homes, in dollars; 2000001 means $2,000,000 or more. |
| dw.acs_zcta | median_home_value_moe | integer | Margin of error of the median home value, at 90% confidence. |
| dw.acs_zcta | value_lt_50k | integer | Owner-occupied homes valued under $50,000. |
| dw.acs_zcta | value_50k_100k | integer | Owner-occupied homes valued $50,000 to $99,999. |
| dw.acs_zcta | value_100k_150k | integer | Owner-occupied homes valued $100,000 to $149,999. |
| dw.acs_zcta | value_150k_200k | integer | Owner-occupied homes valued $150,000 to $199,999. |
| dw.acs_zcta | value_200k_300k | integer | Owner-occupied homes valued $200,000 to $299,999. |
| dw.acs_zcta | value_300k_500k | integer | Owner-occupied homes valued $300,000 to $499,999. |
| dw.acs_zcta | value_500k_750k | integer | Owner-occupied homes valued $500,000 to $749,999. |
| dw.acs_zcta | value_750k_1m | integer | Owner-occupied homes valued $750,000 to $999,999. |
| dw.acs_zcta | value_1m_plus | integer | Owner-occupied homes valued $1,000,000 or more. |
| dw.acs_zcta | median_gross_rent | integer | Median gross rent per month, in dollars; 3501 means $3,500 or more. |
| dw.acs_zcta | median_gross_rent_moe | integer | Margin of error of the median gross rent, at 90% confidence. |
| dw.acs_zcta | owner_cost_universe | integer | All owner-occupied units, including those whose cost-to-income ratio could not be computed; base of the owner cost-burden rate. |
| dw.acs_zcta | owner_cost_not_computed | integer | Owner-occupied units whose housing cost-to-income ratio could not be computed. |
| dw.acs_zcta | owner_cost_burdened | integer | Owner-occupied units spending 30% or more of income on housing costs. |
| dw.acs_zcta | mortgaged_cost_burdened | integer | Mortgaged owner units spending 30% or more of income on housing costs. |
| dw.acs_zcta | mortgaged_cost_universe | integer | All owner units with a mortgage, including those whose ratio could not be computed. |
| dw.acs_zcta | mortgaged_cost_not_computed | integer | Mortgaged owner units whose cost-to-income ratio could not be computed. |
| dw.acs_zcta | renter_cost_universe | integer | All renter-occupied units, including those whose ratio could not be computed. |
| dw.acs_zcta | renter_cost_not_computed | integer | Renter units whose rent-to-income ratio could not be computed. |
| dw.acs_zcta | renter_cost_burdened | integer | Renter units paying 30% or more of income in gross rent. |
| dw.acs_zcta | median_smoc_with_mortgage | integer | Median monthly owner costs (mortgage, taxes, insurance, utilities and similar) for homes with a mortgage, in dollars. |
| dw.acs_zcta | median_smoc_without_mortgage | integer | Median monthly owner costs for homes without a mortgage, in dollars. |
| dw.acs_zcta | median_monthly_housing_costs | integer | Median monthly housing costs of occupied units that pay them, in dollars. |
| dw.acs_zcta | bedrooms_0 | integer | Housing units with no bedroom. |
| dw.acs_zcta | bedrooms_1 | integer | Housing units with 1 bedroom. |
| dw.acs_zcta | bedrooms_2 | integer | Housing units with 2 bedrooms. |
| dw.acs_zcta | bedrooms_3 | integer | Housing units with 3 bedrooms. |
| dw.acs_zcta | bedrooms_4 | integer | Housing units with 4 bedrooms. |
| dw.acs_zcta | bedrooms_5_plus | integer | Housing units with 5 or more bedrooms. |
| dw.acs_zcta | units_1_detached | integer | Housing units that are detached single-family homes. |
| dw.acs_zcta | units_1_attached | integer | Housing units that are attached single-family homes, such as townhouses. |
| dw.acs_zcta | units_2_4 | integer | Housing units in buildings of 2 to 4 units. |
| dw.acs_zcta | units_5_plus | integer | Housing units in buildings of 5 or more units. |
| dw.acs_zcta | units_mobile_home | integer | Mobile homes. |
| dw.acs_zcta | units_boat_rv_van | integer | Boats, RVs, vans and similar used as homes. |
| dw.acs_zcta | median_year_built | smallint | Median year the buildings were built; 1938 means 1939 or earlier. |
| dw.acs_zcta | median_age | numeric(5,1) | Median age of residents, in years. |
| dw.acs_zcta | median_age_moe | numeric(5,1) | Margin of error of the median age, at 90% confidence. |
| dw.acs_zcta | median_rooms | numeric(5,1) | Median number of rooms per housing unit. |
| dw.acs_zcta | avg_household_size | numeric(5,2) | Average number of people per household (the Census Bureau publishes no median). |
| dw.acs_zcta | avg_household_size_owner | numeric(5,2) | Average household size in owner-occupied homes. |
| dw.acs_zcta | avg_household_size_renter | numeric(5,2) | Average household size in rented homes. |
| dw.acs_zcta | value_bins | integer[] | Counts of owner-occupied homes in all 26 Census value bands, from under $10,000 to $2 million or more, in order. |
| dw.acs_zcta | minority_share | numeric(5,4) | Share of the population that is not non-Hispanic White, as a fraction (the Federal Financial Institutions Examination Council (FFIEC) minority definition). |
| dw.acs_zcta | poverty_rate | numeric(5,4) | Share of people below the poverty level, as a fraction. |
| dw.acs_zcta | unemployment_rate | numeric(5,4) | Unemployed as a share of the civilian labor force, as a fraction. |
| dw.acs_zcta | bachelors_plus_share | numeric(5,4) | Share of people 25 and over with at least a bachelor's degree, as a fraction. |
| dw.acs_zcta | vacancy_rate | numeric(5,4) | Vacant units as a share of all housing units, as a fraction. |
| dw.acs_zcta | homeownership_rate | numeric(5,4) | Owner-occupied units as a share of occupied units, as a fraction. |
| dw.acs_zcta | mortgaged_share | numeric(5,4) | Share of owner-occupied homes with a mortgage, as a fraction. |
| dw.acs_zcta | owner_cost_burden_rate | numeric(5,4) | Share of owner households spending 30% or more of income on housing, among those where it could be computed. |
| dw.acs_zcta | mortgaged_cost_burden_rate | numeric(5,4) | Share of mortgaged owners spending 30% or more of income on housing, among those where it could be computed. |
| dw.acs_zcta | renter_cost_burden_rate | numeric(5,4) | Share of renters paying 30% or more of income in rent, among those where it could be computed. |
| dw.acs_zcta | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.acs_zcta | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.acs_zcta | problematic | boolean | True when a known data problem is still open for this row; dw.data_note explains it. |
| dw.action | k_action | integer | The row's ID number in the warehouse; tables join on it rather than on the published codes. |
| dw.action | action_code | smallint | Action taken as filed: 1 originated, 2 approved but not accepted, 3 denied, 4 withdrawn, 5 closed as incomplete, 6 purchased loan, 7 preapproval request denied, 8 preapproval approved but not accepted (7 and 8 from 2004); 0 is blank or invalid. |
| dw.action | action_label | text | Plain-language name of the action. |
| dw.action | is_application | boolean | True for codes 1-5: counts as an application (excludes purchased loans and preapproval-only requests). |
| dw.action | is_decided | boolean | True for codes 1-3: the lender made a credit decision; the base for denial rates. |
| dw.action | is_originated | boolean | True when the loan was made (code 1). |
| dw.action | is_denied | boolean | True when the application was denied (code 3). |
| dw.action | is_purchased | boolean | True when the lender bought the loan rather than made it (code 6). |
| dw.action | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.action | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.action | problematic | boolean | true = a known problem is still open for this row; dw.data_note explains it |
| dw.apor_week | k_apor_week | integer | The row's ID number in the warehouse; tables join on it rather than on the published codes. |
| dw.apor_week | week_start | date | Monday of the week; a loan whose rate was locked on any day of that week uses this row. |
| dw.apor_week | amortization | text | fixed (fixed-rate loans) or adjustable (variable-rate loans). |
| dw.apor_week | term_years | smallint | For fixed-rate loans, the loan term in years (months rounded up); for adjustable-rate loans, the years until the first rate change, not the loan term. |
| dw.apor_week | rate | numeric(5,2) | The Average Prime Offer Rate (APOR), in percent. It is derived from Freddie Mac survey rates for a few products and interpolated for the rest, so neighbouring terms often share a value. |
| dw.apor_week | publisher_file | text | Which published table the row came from: ffiec (weeks to 26 December 2016, from the archived FFIEC table) or cfpb (weeks from 2 January 2017). |
| dw.apor_week | note | text | Free-text remark on the row; empty in every row as loaded. |
| dw.apor_week | k_source | integer | Key of the dw.source row recording the published FFIEC (Federal Financial Institutions Examination Council) or CFPB (Consumer Financial Protection Bureau) file this row came from. |
| dw.apor_week | problematic | boolean | True when a known data problem is still open for this row; dw.data_note explains it. |
| dw.apor_week | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.apor_week | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.apor_year | year | smallint | Calendar year of the Monday that starts each APOR (Average Prime Offer Rate) week. |
| dw.apor_year | amortization | text | fixed or adjustable, as in dw.apor_week. |
| dw.apor_year | term_years | smallint | For fixed-rate loans, the term in years; for adjustable-rate loans, years to the first rate change. |
| dw.apor_year | apor_avg | numeric | Average of the year's weekly APOR (Average Prime Offer Rate) values, in percent, to 3 decimals. |
| dw.apor_year | apor_min | numeric | Lowest weekly APOR in the year, in percent. |
| dw.apor_year | apor_max | numeric | Highest weekly APOR in the year, in percent. |
| dw.apor_year | weeks | smallint | Number of weeks averaged: 52 or 53 in a full year, fewer in the current year. |
| dw.applicant_group | k_applicant_group | integer | The row's ID number in the warehouse; tables join on it rather than on the published codes. |
| dw.applicant_group | group_name | text | Group name: All, Non-Hispanic White, Black, Hispanic or Asian. |
| dw.applicant_group | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.applicant_group | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.applicant_group | problematic | boolean | true = a known problem is still open for this row; dw.data_note explains it |
| dw.applicant_profile | k_applicant_profile | integer | The row's ID number in the warehouse; tables join on it rather than on the published codes. |
| dw.applicant_profile | derived_race | text | The FFIEC (Federal Financial Institutions Examination Council) single race category: one race, 2 or more minority races, Joint (one applicant White only and the other a minority race), Free Form Text Only (2018 on) or Race Not Available. Computed the same way before 2018. |
| dw.applicant_profile | derived_ethnicity | text | The FFIEC single ethnicity category: Hispanic or Latino, Not Hispanic or Latino, Joint (one of each), Free Form Text Only (2018 on) or Ethnicity Not Available. Computed the same way before 2018. |
| dw.applicant_profile | derived_sex | text | The FFIEC single sex category: Male, Female, Joint (one of each) or Sex Not Available. Computed the same way before 2018. |
| dw.applicant_profile | age_band | text | Applicant's age band (<25, 25-34, 35-44, 45-54, 55-64, 65-74, >74); 2018 on only, empty before 2018 and when not applicable. |
| dw.applicant_profile | has_co_applicant | boolean | True when there is a co-applicant; the 1990-2003 files cannot say there is none, so every record from those years shows true. |
| dw.applicant_profile | natural_key | text | The row's values joined into one text value, unique, so each combination is stored once. |
| dw.applicant_profile | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.applicant_profile | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.applicant_profile | problematic | boolean | true = a known problem is still open for this row; dw.data_note explains it |
| dw.applicant_profile_group | k_applicant_profile_group | integer | The row's ID number in the warehouse; tables join on it rather than on the published codes. |
| dw.applicant_profile_group | k_applicant_profile | integer | Key of the applicant profile (dw.applicant_profile). |
| dw.applicant_profile_group | k_applicant_group | integer | Key of the fair-lending group (dw.applicant_group) the profile counts in. |
| dw.applicant_profile_group | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.applicant_profile_group | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.applicant_profile_group | problematic | boolean | true = a known problem is still open for this row; dw.data_note explains it |
| dw.augment_manifest | k_augment_manifest | integer | The row's ID number in the warehouse; tables join on it rather than on the published codes. |
| dw.augment_manifest | module | text | The outside source the file belongs to, e.g. gleif, fha, cra, fema or ginnie. |
| dw.augment_manifest | period | text | The slice of data the file replaces as a whole: a year ('2019'), a month ('2026-07'), a snapshot time stamp, a state code for FEMA files, or 'all' for a single-file source. |
| dw.augment_manifest | file_name | text | The file's path within the data folder. |
| dw.augment_manifest | file_bytes | bigint | Size of the file in bytes; empty for a file the publisher lists that was not downloaded. |
| dw.augment_manifest | sha256 | character(64) | Fingerprint (SHA-256 checksum) of the file's contents; the file is loaded again only when this changes. Empty only for a file listed but not downloaded. |
| dw.augment_manifest | source_version | text | The publisher's version marker for the file, such as its last-modified date, a tag and size, an index name or a publish date; empty when none is recorded. |
| dw.augment_manifest | rows_loaded | bigint | Rows loaded from this file into the warehouse; empty when not loaded or not counted. |
| dw.augment_manifest | loaded_at | timestamp with time zone | When the file was loaded; empty for a file listed but not loaded or set aside. |
| dw.augment_manifest | superseded | boolean | True when a later load of the same file or period replaced this row (kept as history); false for the current version. |
| dw.augment_manifest | note | text | Remark on the row, e.g. that it was carried over from an earlier record of a file loaded before this table existed. |
| dw.augment_manifest | problematic | boolean | True when a known data problem is still open for this row; dw.data_note explains it. |
| dw.augment_manifest | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.augment_manifest | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.augment_manifest | file_kind | text | The source's own kind of file, e.g. snapshot, production_report, lender, state or county. |
| dw.augment_manifest | period_start | date | First day of the period when it is a calendar month or year; empty otherwise. |
| dw.augment_manifest | k_period | integer | The data year when the period is a year (key of dw.period); empty for other periods. |
| dw.augment_manifest | source_url | text | Where the publisher lists or serves the file. |
| dw.augment_manifest | publisher_dt | timestamp with time zone | The publisher's release or refresh time for the file, when it gives one. |
| dw.augment_manifest | listed_at | timestamp with time zone | The last time the publisher's listing showed this file; empty when the source has no listing. |
| dw.augment_manifest | retrieved_at | timestamp with time zone | When the file was downloaded. |
| dw.augment_manifest | k_source | integer | Key of the dw.source row recording this file's load, where one exists. |
| dw.augment_manifest | migrated_from | text | For a row carried over from an older, retired file register: which one it came from. |
| dw.augment_manifest | migrated_key | integer | For a row carried over from an older file register: its ID there; empty for rows written directly. |
| dw.augment_release | k_augment_release | integer | The row's ID number in the warehouse; tables join on it rather than on the published codes. |
| dw.augment_release | module | text | The outside source that keeps the dataset current, e.g. gleif or fha. |
| dw.augment_release | dataset | text | The dataset within the source, e.g. golden_copy (GLEIF, the Global Legal Entity Identifier Foundation), sf_census_tract (FHFA, the Federal Housing Finance Agency) or llmon (Ginnie Mae). |
| dw.augment_release | newest_loaded | text | Marker of the newest release loaded: a year, a version, a snapshot time stamp or the publisher's own name for it. |
| dw.augment_release | newest_loaded_dt | timestamp with time zone | Release date of the newest release loaded, as the publisher gives it, or when it was checked if the publisher gives none. |
| dw.augment_release | newest_published | text | Marker of the newest release the publisher had at the last check. |
| dw.augment_release | newest_published_dt | timestamp with time zone | Release date of the newest published release, or when it was checked if the publisher gives none. |
| dw.augment_release | cycle | interval | How often the publisher releases (e.g. 1 month, 1 year); data more than one cycle behind the publisher counts as out of date. |
| dw.augment_release | checked_at | timestamp with time zone | When the publisher was last asked what it has. |
| dw.augment_release | note | text | The publisher's release schedule in words and where new releases appear, or a remark from the last check. |
| dw.augment_release | problematic | boolean | True when a known data problem is still open for this row; dw.data_note explains it. |
| dw.augment_release | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.augment_release | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.backup_run | k_backup_run | integer | The row's ID number in the warehouse; tables join on it rather than on the published codes. |
| dw.backup_run | kind | text | backup (a copy of the database), restore_test (the newest copy restored into a scratch database and checked) or summary (the monthly summary notice). |
| dw.backup_run | started_at | timestamp with time zone | When the run started. |
| dw.backup_run | finished_at | timestamp with time zone | When the run ended; empty while it is running or if it stopped without recording an end. |
| dw.backup_run | status | text | running, ok or failed. |
| dw.backup_run | backup_path | text | The backup folder written, or restored from in a restore test. |
| dw.backup_run | dump_bytes | bigint | Size of the backup on disk, in bytes. |
| dw.backup_run | database_bytes | bigint | Size of the database when it was backed up, in bytes. |
| dw.backup_run | seconds | numeric | How long it took, in seconds: the backup itself, or the restore plus checks for a restore test. |
| dw.backup_run | pg_dump_version | text | Version of the PostgreSQL backup tool that made the copy. |
| dw.backup_run | server_version | text | Version of the PostgreSQL database server that was backed up. |
| dw.backup_run | toc_entries | integer | Number of entries in the backup's table of contents, read back to verify the backup. |
| dw.backup_run | checks_failed | integer | Restore tests only: how many of the warehouse's quick data checks failed on the restored copy. |
| dw.backup_run | host | text | Name of the machine the run was on. |
| dw.backup_run | note | text | The error on a failed run, the failed checks of a restore test, or for a summary where the notice was sent. |
| dw.backup_run | problematic | boolean | True when a known data problem is still open for this row; dw.data_note explains it. |
| dw.backup_run | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.backup_run | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.bea_income_county | k_bea_income_county | integer | The row's ID number in the warehouse; tables join on it rather than on the published codes. |
| dw.bea_income_county | year | smallint | Calendar year of the estimate (2010-2024). |
| dw.bea_income_county | geo_fips | character(5) | 5-digit county FIPS (Federal Information Processing Standards) code, or a BEA (Bureau of Economic Analysis) combined area code (Virginia 519xx; Hawaii 15901 for Maui plus Kalawao). |
| dw.bea_income_county | geo_name | text | Area name as the BEA publishes it, e.g. Autauga, AL; combined areas name their parts, e.g. Maui + Kalawao, HI. |
| dw.bea_income_county | personal_income_k | bigint | Total personal income, in thousands of current dollars. |
| dw.bea_income_county | population | integer | Population at midyear, in persons. |
| dw.bea_income_county | per_capita_income | integer | Personal income per person, in current dollars. |
| dw.bea_income_county | bea_combined_area | boolean | True when the code is one of the BEA's combined areas (Virginia independent cities with their counties, or Maui plus Kalawao) rather than a single county, so it matches no one county code. |
| dw.bea_income_county | k_source | integer | Key of the dw.source row recording the BEA file this row came from. |
| dw.bea_income_county | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.bea_income_county | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.bea_income_county | problematic | boolean | True when a known data problem is still open for this row; dw.data_note explains it. |
| dw.branch_lender | source | text | Which file the institution comes from: fdic (insured banks and savings institutions, dw.fdic_institution) or ncua (credit unions, dw.ncua_credit_union). |
| dw.branch_lender | institution_id | integer | The institution's own number: its FDIC (Federal Deposit Insurance Corporation) certificate number, or its NCUA (National Credit Union Administration) charter number. |
| dw.branch_lender | rssd | text | The institution's RSSD (the Federal Reserve's institution ID) as the FDIC or NCUA file gives it; empty when it has none, though a link by respondent ID can still exist. |
| dw.branch_lender | link_type | text | How the institution matches the lender: rssd (its RSSD is one of the lender's) or arid (the pre-2018 HMDA respondent ID built from its own regulator number is the lender's). Names are never used. |
| dw.branch_lender | k_lender | integer | Key of the HMDA (Home Mortgage Disclosure Act) lender (dw.lender) that is the same institution. |
| dw.call_report_bank | k_call_report_bank | integer | The row's ID number in the warehouse; tables join on it rather than on the published codes. |
| dw.call_report_bank | report_dt | date | Quarter-end date the call report describes (March 31, June 30, September 30 or December 31). |
| dw.call_report_bank | report_year | smallint | Calendar year of the report date. |
| dw.call_report_bank | report_quarter | smallint | Quarter of the report date, 1 to 4. |
| dw.call_report_bank | idrssd | text | The bank's RSSD (the Federal Reserve's institution ID); it links to lender IDs in dw.lender_source_id. |
| dw.call_report_bank | fdic_cert | integer | FDIC (Federal Deposit Insurance Corporation) certificate number as filed that quarter; empty when none. |
| dw.call_report_bank | occ_charter | integer | OCC (Office of the Comptroller of the Currency) charter number as filed that quarter; empty when none. |
| dw.call_report_bank | ots_docket | integer | OTS (Office of Thrift Supervision) docket number as filed, 2001 on; empty when none and for 1990-2000. |
| dw.call_report_bank | institution_name | text | Name of the bank as filed that quarter. |
| dw.call_report_bank | city | text | City of the bank as filed that quarter. |
| dw.call_report_bank | state | character(2) | Two-letter state of the bank as filed that quarter; empty when not a valid two-letter value. |
| dw.call_report_bank | zip | character(5) | Five-digit ZIP code of the bank as filed; empty when not numeric. |
| dw.call_report_bank | filing_type | text | Call report form filed: 031 (banks with foreign offices or $100 billion or more), 041 (domestic offices only) or 051 (domestic only, under $5 billion, from 2017); empty for 1990-2000. |
| dw.call_report_bank | entity_type | smallint | 1990-2000 only: kind of filer, where 1 is an insured commercial bank and other codes are savings banks, trust companies and other filers. |
| dw.call_report_bank | data_source | text | Which publisher's file the row came from: chicago_fed (Federal Reserve Bank of Chicago, 1990-2000) or ffiec_cdr (FFIEC Central Data Repository, 2001 on). |
| dw.call_report_bank | total_assets_000 | bigint | Total assets, in thousands of dollars. |
| dw.call_report_bank | total_loans_000 | bigint | Total loans and leases, net of unearned income, in thousands of dollars. |
| dw.call_report_bank | total_deposits_000 | bigint | Total deposits, domestic plus foreign offices, in thousands of dollars. |
| dw.call_report_bank | equity_capital_000 | bigint | Total bank equity capital, in thousands of dollars. |
| dw.call_report_bank | total_equity_incl_minority_000 | bigint | Total equity capital including minority (noncontrolling) interests, in thousands of dollars; 2009 on. |
| dw.call_report_bank | re_loans_000 | bigint | All loans secured by real estate, in thousands of dollars. |
| dw.call_report_bank | res14_heloc_000 | bigint | Home equity lines of credit (revolving loans secured by 1-4 family homes), in thousands of dollars. |
| dw.call_report_bank | res14_first_lien_000 | bigint | Closed-end first-lien loans on 1-4 family homes, in thousands of dollars. |
| dw.call_report_bank | res14_junior_lien_000 | bigint | Closed-end junior-lien (second mortgage) loans on 1-4 family homes, in thousands of dollars. |
| dw.call_report_bank | res14_closed_end_000 | bigint | All closed-end loans on 1-4 family homes, first plus junior liens, in thousands of dollars. |
| dw.call_report_bank | res14_total_000 | bigint | All loans secured by 1-4 family homes (home equity lines plus closed-end loans), in thousands of dollars; empty only when both parts are missing. |
| dw.call_report_bank | loans_held_for_sale_000 | bigint | Loans and leases of all types held for sale, in thousands of dollars. |
| dw.call_report_bank | mortgage_servicing_assets_000 | bigint | Mortgage servicing assets (the value of rights to service loans for others), in thousands of dollars. |
| dw.call_report_bank | rcp_retail_originations_000 | bigint | 1-4 family home loans originated through the bank's own (retail) channel for sale during the quarter, in thousands of dollars; reported only by banks over $1 billion in assets or with sizeable mortgage banking, from late 2006. |
| dw.call_report_bank | rcp_wholesale_originations_000 | bigint | 1-4 family home loans originated through brokers or bought (wholesale) for sale during the quarter, in thousands of dollars; mortgage-banking filers only. |
| dw.call_report_bank | rcp_sold_000 | bigint | 1-4 family home loans sold during the quarter, in thousands of dollars; mortgage-banking filers only. |
| dw.call_report_bank | rcp_held_for_sale_000 | bigint | 1-4 family home loans held for sale or trading at quarter end, in thousands of dollars; mortgage-banking filers only. |
| dw.call_report_bank | rcp_repurchases_000 | bigint | 1-4 family home loans repurchased or indemnified during the quarter, in thousands of dollars; mortgage-banking filers only. |
| dw.call_report_bank | rcp_noninterest_income_000 | bigint | Fee income for the quarter from selling, securitizing and servicing 1-4 family home loans, in thousands of dollars; mortgage-banking filers only. |
| dw.call_report_bank | res14_pd30_89_000 | bigint | Loans on 1-4 family homes 30 to 89 days past due and still accruing interest, in thousands of dollars. |
| dw.call_report_bank | res14_pd90_000 | bigint | Loans on 1-4 family homes 90 or more days past due and still accruing interest, in thousands of dollars. |
| dw.call_report_bank | res14_nonaccrual_000 | bigint | Loans on 1-4 family homes on nonaccrual (no longer accruing interest), in thousands of dollars. |
| dw.call_report_bank | res14_first_pd30_89_000 | bigint | Closed-end first-lien home loans 30 to 89 days past due, in thousands of dollars; 2002 on. |
| dw.call_report_bank | res14_first_pd90_000 | bigint | Closed-end first-lien home loans 90 or more days past due, in thousands of dollars; 2002 on. |
| dw.call_report_bank | res14_first_nonaccrual_000 | bigint | Closed-end first-lien home loans on nonaccrual, in thousands of dollars; 2002 on. |
| dw.call_report_bank | res14_chargeoffs_ytd_000 | bigint | Charge-offs on loans secured by 1-4 family homes, year to date, in thousands of dollars. |
| dw.call_report_bank | res14_recoveries_ytd_000 | bigint | Recoveries on loans secured by 1-4 family homes, year to date, in thousands of dollars. |
| dw.call_report_bank | res14_first_chargeoffs_ytd_000 | bigint | Charge-offs on closed-end first-lien home loans, year to date, in thousands of dollars; 2002 on. |
| dw.call_report_bank | res14_first_recoveries_ytd_000 | bigint | Recoveries on closed-end first-lien home loans, year to date, in thousands of dollars; 2002 on. |
| dw.call_report_bank | k_source | integer | Key of the dw.source row recording the quarterly file this row came from. |
| dw.call_report_bank | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.call_report_bank | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.call_report_bank | problematic | boolean | True when a known data problem is still open for this row; dw.data_note explains it. |
| dw.call_report_credit_union | k_call_report_credit_union | integer | The row's ID number in the warehouse; tables join on it rather than on the published codes. |
| dw.call_report_credit_union | report_dt | date | Quarter-end date the call report describes (March 31, June 30, September 30 or December 31). |
| dw.call_report_credit_union | report_year | smallint | Calendar year of the report date. |
| dw.call_report_credit_union | report_quarter | smallint | Quarter of the report date, 1 to 4. |
| dw.call_report_credit_union | charter_number | integer | NCUA (National Credit Union Administration) charter number of the credit union; with the report date it identifies the row. |
| dw.call_report_credit_union | rssd | text | The credit union's RSSD (the Federal Reserve's institution ID), from its own call report where filled, else from the Federal Reserve's NIC (National Information Center). |
| dw.call_report_credit_union | rssd_source | text | Where the RSSD came from: foicu (the credit union's own call report, filled from 2013) or nic (the Federal Reserve's National Information Center [crosswalk](#term:crosswalkLenderIds) from charter to RSSD); empty when none was found. |
| dw.call_report_credit_union | cu_name | text | Name of the credit union as filed that quarter. |
| dw.call_report_credit_union | state | character(2) | Two-letter state of the credit union as filed that quarter; empty when not a valid two-letter value. |
| dw.call_report_credit_union | cu_type | smallint | 1 federal credit union, 2 federally insured state-chartered, 3 state-chartered and not federally insured; NCUA's published totals cover types 1 and 2. |
| dw.call_report_credit_union | is_corporate | boolean | True for a corporate credit union (a credit union serving other credit unions); present only in June and December 1997, flagged so they can be left out of consumer credit-union totals. |
| dw.call_report_credit_union | assets | bigint | Total assets, in dollars. |
| dw.call_report_credit_union | loans | bigint | Total loans and leases, in dollars. |
| dw.call_report_credit_union | shares_deposits | bigint | Total shares and deposits, in dollars. |
| dw.call_report_credit_union | net_worth | bigint | Total net worth, in dollars; reported from the 2000s, empty before. |
| dw.call_report_credit_union | members | bigint | Number of current members. |
| dw.call_report_credit_union | re_first_mortgage | bigint | All first-mortgage real estate loans and lines of credit, in dollars; includes first liens on property other than 1-4 family homes. |
| dw.call_report_credit_union | re_first_lien_14 | bigint | Loans and lines secured by first liens on 1-4 family homes, in dollars; from 2013. |
| dw.call_report_credit_union | re_other | bigint | All other (not first-mortgage) real estate loans and lines of credit, in dollars; until the 2013 form change. |
| dw.call_report_credit_union | re_junior_lien_14 | bigint | Loans and lines secured by junior liens on 1-4 family homes, in dollars; 2013 on. |
| dw.call_report_credit_union | first_mortgages_sold_ytd | bigint | First-mortgage loans sold in the secondary market, year to date, in dollars. |
| dw.call_report_credit_union | delinquent_first_mortgage | bigint | First-mortgage real estate loans 60 or more days delinquent (the NCUA's reportable delinquency), in dollars. |
| dw.call_report_credit_union | delinquent_other_re | bigint | Other real estate loans 60 or more days delinquent, in dollars. |
| dw.call_report_credit_union | chargeoffs_first_mortgage_ytd | bigint | First-mortgage loans charged off, year to date, in dollars. |
| dw.call_report_credit_union | recoveries_first_mortgage_ytd | bigint | Recoveries on first-mortgage loans, year to date, in dollars. |
| dw.call_report_credit_union | chargeoffs_other_re_ytd | bigint | Other real estate loans charged off, year to date, in dollars. |
| dw.call_report_credit_union | recoveries_other_re_ytd | bigint | Recoveries on other real estate loans, year to date, in dollars. |
| dw.call_report_credit_union | chargeoffs_total_ytd | bigint | All loans charged off, year to date, in dollars. |
| dw.call_report_credit_union | recoveries_total_ytd | bigint | All recoveries on loans, year to date, in dollars. |
| dw.call_report_credit_union | k_source | integer | Key of the dw.source row recording the quarterly NCUA file this row came from. |
| dw.call_report_credit_union | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.call_report_credit_union | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.call_report_credit_union | problematic | boolean | True when a known data problem is still open for this row; dw.data_note explains it. |
| dw.call_report_file | k_call_report_file | integer | The row's ID number in the warehouse; tables join on it rather than on the published codes. |
| dw.call_report_file | filer | text | bank (rows in dw.call_report_bank) or credit_union (rows in dw.call_report_credit_union). |
| dw.call_report_file | report_dt | date | Quarter-end date the file covers. |
| dw.call_report_file | data_source | text | Publisher of the file: chicago_fed (Federal Reserve Bank of Chicago, banks 1990-2000), ffiec_cdr (Federal Financial Institutions Examination Council Central Data Repository, banks 2001 on) or ncua (National Credit Union Administration, credit unions 1994 on). |
| dw.call_report_file | file_name | text | Path of the file loaded, within the data folder. |
| dw.call_report_file | file_bytes | bigint | Size of the file in bytes when it was loaded. |
| dw.call_report_file | sha256 | character(64) | Fingerprint (SHA-256 checksum) of the file's contents; a new fingerprint for the same quarter means the publisher re-issued it, and that quarter is reloaded. |
| dw.call_report_file | rows_loaded | integer | Number of institutions loaded from the file. |
| dw.call_report_file | code_counts | jsonb | For each item code in the file, how many institutions reported a non-zero value, stored as JSON (a structured text format); the basis of dw.call_report_item. |
| dw.call_report_file | times_loaded | integer | How many times this quarter has been loaded; more than 1 normally means the publisher re-issued the file. |
| dw.call_report_file | first_loaded_dt | timestamp with time zone | When this quarter was first loaded. |
| dw.call_report_file | loaded_dt | timestamp with time zone | When the file whose rows are now in the warehouse was loaded. |
| dw.call_report_file | k_source | integer | Key of the dw.source row recorded for this file. |
| dw.call_report_file | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.call_report_file | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.call_report_file | problematic | boolean | True when a known data problem is still open for this row; dw.data_note explains it. |
| dw.call_report_item | k_call_report_item | integer | The row's ID number in the warehouse; tables join on it rather than on the published codes. |
| dw.call_report_item | filer | text | bank (feeds dw.call_report_bank) or credit_union (feeds dw.call_report_credit_union). |
| dw.call_report_item | column_name | text | The warehouse column this code helps build. |
| dw.call_report_item | alternative | smallint | Order of preference: 1 is the preferred definition; a higher number is used for an institution and quarter only when no lower one has a value, e.g. when a form revision replaced a code. |
| dw.call_report_item | code | text | The publisher's item code: for banks a Federal Reserve MDRM (Micro Data Reference Manual) code such as RCON5367; for credit unions an NCUA (National Credit Union Administration) account such as ACCT_703A. |
| dw.call_report_item | prefixes | text | For banks, the code prefixes tried in order: RCFD (consolidated, including foreign offices) then RCON (domestic offices); empty when the code is already complete. |
| dw.call_report_item | schedule | text | Where the code is reported: for banks the call-report schedule (balance sheet, loans, memoranda, past due, mortgage banking, charge-offs); for credit unions the NCUA form table. |
| dw.call_report_item | item_name | text | The publisher's name for the code; empty when not found in its dictionary. |
| dw.call_report_item | first_report_dt | date | First quarter-end on which any institution reported a value for the code. |
| dw.call_report_item | last_report_dt | date | Last quarter-end on which any institution reported a non-zero value for the code; empty when none ever did. |
| dw.call_report_item | filers_reporting | integer | Number of institution-quarters with a non-zero value for the code, over all files loaded. |
| dw.call_report_item | rule | text | How the column is built, in words: which alternative this is and which codes are added together. |
| dw.call_report_item | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.call_report_item | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.call_report_item | problematic | boolean | True when a known data problem is still open for this row; dw.data_note explains it. |
| dw.call_report_lender | filer | text | bank (dw.call_report_bank) or credit_union (dw.call_report_credit_union). |
| dw.call_report_lender | institution_id | text | The institution: its RSSD (the Federal Reserve's institution ID) for a bank, its NCUA (National Credit Union Administration) charter number for a credit union. |
| dw.call_report_lender | year | smallint | Report year the link holds for; codes such as an FDIC certificate pass to the survivor in a merger, so a link holds only in the years the institution held the code. |
| dw.call_report_lender | link_type | text | How the institution matches the lender: rssd (its RSSD is one of the lender's) or arid (the pre-2018 HMDA respondent ID built from its own regulator number is the lender's). |
| dw.call_report_lender | link_rank | integer | Preference of the link, lower wins: 2 for an RSSD link, 3 for a respondent-ID link; rank 1, the RSSD the lender itself reported that year, is added in dw.lender_financials_year. |
| dw.call_report_lender | k_lender | integer | Key of the HMDA (Home Mortgage Disclosure Act) lender (dw.lender) the institution is linked to. |
| dw.call_report_published_total | k_call_report_published_total | integer | The row's ID number in the warehouse; tables join on it rather than on the published codes. |
| dw.call_report_published_total | year | smallint | Year of the total: year end for the FDIC, fourth quarter for the NCUA. |
| dw.call_report_published_total | publisher | text | Who published it: FDIC (Federal Deposit Insurance Corporation) or NCUA (National Credit Union Administration). |
| dw.call_report_published_total | series | text | Which total: total assets or number of institutions, for FDIC-insured commercial banks (_cb), savings institutions (_si), or NCUA's federally insured credit unions. |
| dw.call_report_published_total | value | numeric | The total as published: thousands of dollars for total assets, a count for institutions. |
| dw.call_report_published_total | source_file | text | Name of the saved copy of the publication the total was read from. |
| dw.call_report_published_total | source_url | text | Web address the total was taken from. |
| dw.call_report_published_total | source_locator | text | Where in the publication the number appears, such as the row and field or the page and sentence. |
| dw.call_report_published_total | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.call_report_published_total | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.call_report_published_total | problematic | boolean | True when a known data problem is still open for this row; dw.data_note explains it. |
| dw.call_report_release | k_call_report_release | integer | The row's ID number in the warehouse; tables join on it rather than on the published codes. |
| dw.call_report_release | data_source | text | Publisher checked: ffiec_cdr (bank call reports) or ncua (credit-union call reports). |
| dw.call_report_release | newest_offered_dt | date | Newest quarter-end the publisher offered at the last check. |
| dw.call_report_release | checked_dt | date | Date of that check. |
| dw.call_report_release | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.call_report_release | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.call_report_release | problematic | boolean | True when a known data problem is still open for this row; dw.data_note explains it. |
| dw.cdfi_ppc_county | k_cdfi_ppc_county | integer | The row's ID number in the warehouse; tables join on it rather than on the published codes. |
| dw.cdfi_ppc_county | acs_period | text | American Community Survey (ACS) five-year period the eligibility data rest on: 2016-2020 on every row. |
| dw.cdfi_ppc_county | county_fips | character(5) | 5-digit county FIPS (Federal Information Processing Standards) code: state plus county. |
| dw.cdfi_ppc_county | is_persistent_poverty | boolean | True for a Persistent Poverty County: poverty of 20% or more in the 1990 and 2000 censuses and the 2016-2020 ACS. |
| dw.cdfi_ppc_county | tracts | integer | Number of the county's 2020 census tracts in the CDFI Fund file. |
| dw.cdfi_ppc_county | k_source | integer | Key of the dw.source row recording the CDFI Fund Bank Enterprise Award eligibility file. |
| dw.cdfi_ppc_county | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.cdfi_ppc_county | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.cdfi_ppc_county | problematic | boolean | True when a known data problem is still open for this row; dw.data_note explains it. |
| dw.cdfi_tract | k_cdfi_tract | integer | The row's ID number in the warehouse; tables join on it rather than on the published codes. |
| dw.cdfi_tract | acs_period | text | American Community Survey (ACS) five-year period of the figures: 2016-2020 on every row. |
| dw.cdfi_tract | tract_code | character(11) | 2020 census tract, 11 digits (2-digit state, 3-digit county, 6-digit tract). |
| dw.cdfi_tract | county_fips | character(5) | 5-digit county FIPS (Federal Information Processing Standards) code, the first five digits of the tract code. |
| dw.cdfi_tract | metro_status | text | Metro or Non-Metro: whether the tract's county is in a metropolitan area under the March 2020 OMB (Office of Management and Budget) definitions. |
| dw.cdfi_tract | population | integer | Total population of the tract, 2016-2020 ACS. |
| dw.cdfi_tract | is_investment_area | boolean | True when the tract is a CDFI Investment Area: poverty 20% or more, median family income at or below 80% of the benchmark, unemployment at least 1.5 times the national rate, an Empowerment Zone, or county population loss. |
| dw.cdfi_tract | poverty_pct | numeric(6,2) | Poverty rate of the tract, in percent; empty when the survey has too few responses for an estimate. |
| dw.cdfi_tract | is_poverty_20 | boolean | Investment Area test: poverty rate of 20% or more. |
| dw.cdfi_tract | mfi | integer | Tract median family income, in dollars; empty when the survey gives no estimate. |
| dw.cdfi_tract | mfi_benchmark_pct | numeric(8,2) | Tract median family income as a percentage of its benchmark, the greater of the metro (or state non-metro) and national median family income. |
| dw.cdfi_tract | is_low_mfi | boolean | Investment Area test: median family income at or below 80% of the benchmark. |
| dw.cdfi_tract | unemployment_pct | numeric(6,2) | Unemployment rate of the tract, in percent; empty when the survey gives no estimate. |
| dw.cdfi_tract | is_high_unemployment | boolean | Investment Area test: unemployment at least 1.5 times the national rate (5.4% in this file). |
| dw.cdfi_tract | is_empowerment_zone | boolean | Investment Area test: the tract lies wholly inside a federal Empowerment Zone or Enterprise Community, designated by HUD (Department of Housing and Urban Development). |
| dw.cdfi_tract | is_population_loss | boolean | Investment Area test: the county lost 10% or more of its population (5% outside metro areas) between the 2011-2015 and 2016-2020 surveys; false for every tract in this file. |
| dw.cdfi_tract | bea_qualification | text | Bank Enterprise Award (BEA) program status of the tract as a distressed community: Fully, Partially or Not Qualified. |
| dw.cdfi_tract | is_persistent_poverty_county | boolean | True when the tract's county had poverty of 20% or more in the 1990 and 2000 censuses and the 2016-2020 ACS. |
| dw.cdfi_tract | k_source | integer | Key of the dw.source row recording the CDFI Fund Investment Areas file. |
| dw.cdfi_tract | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.cdfi_tract | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.cdfi_tract | problematic | boolean | True when a known data problem is still open for this row; dw.data_note explains it. |
| dw.census_cnh_region | k_census_cnh_region | integer | The row's ID number in the warehouse; tables join on it rather than on the published codes. |
| dw.census_cnh_region | year | smallint | Year the new houses were completed or sold, 1973-2025; start years vary by measure, and regions begin in 1992. |
| dw.census_cnh_region | region | text | United States, Northeast, Midwest, South or West; dw.census_region_state maps states to regions. |
| dw.census_cnh_region | universe | text | Which houses are counted: sold (new single-family houses sold) or completed (all completed, including those built for rent or by their owners). |
| dw.census_cnh_region | measure | text | floor_area_sqft (floor area) or lot_size_sqft (lot size). |
| dw.census_cnh_region | median_value | integer | Median, in square feet; empty where the Census Bureau published no figure. |
| dw.census_cnh_region | average_value | integer | Average, in square feet; empty where the Census Bureau published no figure. |
| dw.census_cnh_region | k_source | integer | Key of the dw.source row recording the Census Bureau file this row came from. |
| dw.census_cnh_region | problematic | boolean | True when a known data problem is still open for this row; dw.data_note explains it. |
| dw.census_cnh_region | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.census_cnh_region | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.census_region_state | k_census_region_state | integer | The row's ID number in the warehouse; tables join on it rather than on the published codes. |
| dw.census_region_state | state_fips | character(2) | Two-digit state FIPS (Federal Information Processing Standards) code, e.g. 09 for Connecticut. |
| dw.census_region_state | state_abbr | character(2) | Two-letter postal state abbreviation, e.g. CT. |
| dw.census_region_state | region | text | Census Bureau region: Northeast, Midwest, South or West. |
| dw.census_region_state | division | text | Census Bureau division within the region, e.g. New England or Pacific (nine in all). |
| dw.census_region_state | problematic | boolean | True when a known data problem is still open for this row; dw.data_note explains it. |
| dw.census_region_state | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.census_region_state | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.census_tract | k_census_tract | integer | The row's ID number in the warehouse; tables join on it rather than on the published codes. |
| dw.census_tract | census_vintage | smallint | Census the tract belongs to: 2010 or 2020. |
| dw.census_tract | tract_code | character(11) | Census tract code, 11 digits: 2-digit state FIPS (Federal Information Processing Standards) code, 3-digit county, 6-digit tract. |
| dw.census_tract | land_m2 | bigint | Land area of the tract, in square metres. |
| dw.census_tract | water_m2 | bigint | Water area of the tract, in square metres. |
| dw.census_tract | k_source | integer | Key of the dw.source row recording the Census file the tract came from. |
| dw.census_tract | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.census_tract | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.census_tract | problematic | boolean | True when a known data problem is still open for this row; dw.data_note explains it. |
| dw.cfpb_company_lender | k_cfpb_company_lender | integer | The row's ID number in the warehouse; tables join on it rather than on the published codes. |
| dw.cfpb_company_lender | company | text | Company name exactly as the CFPB (Consumer Financial Protection Bureau) publishes it on complaints. |
| dw.cfpb_company_lender | company_key | text | The company name cleaned for matching: upper case, accents and punctuation removed, & written AND, and a leading THE and legal endings such as INC, LLC or N.A. dropped. |
| dw.cfpb_company_lender | k_lender | integer | Key of the lender (dw.lender) the company is matched to; empty when there is no match, several equal candidates, or the matching model declined to choose. |
| dw.cfpb_company_lender | match_method | text | How the match was decided: exact_normalised (the cleaned name equals that of exactly one HMDA (Home Mortgage Disclosure Act) filer since 2011), ambiguous (several lenders share it, so none is chosen) or none; or by Jenner's statistical matching model (matcha_business, matcha_business_rerank, or matcha_holding_company_principal for a holding company matched to its main HMDA filer). |
| dw.cfpb_company_lender | candidate_count | integer | Number of candidate lenders considered: those sharing the cleaned name, or those the matching model scored. |
| dw.cfpb_company_lender | matched_name | text | The lender name that matched (an HMDA name as filed, or the lender's name); empty when not matched. |
| dw.cfpb_company_lender | complaints | integer | Number of the company's mortgage-related complaints when the decision was made. |
| dw.cfpb_company_lender | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.cfpb_company_lender | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.cfpb_company_lender | problematic | boolean | True when a known data problem is still open for this row; dw.data_note explains it. |
| dw.cfpb_company_lender | match_prob | numeric | Statistical matching model only: probability, 0 to 1, that the chosen lender is the company (or, when none was chosen, that the best candidate is); empty for the exact-name rule. |
| dw.cfpb_company_lender | p_none | numeric | Statistical matching model only: probability, 0 to 1, that none of the candidate lenders is the company; empty for the exact-name rule. |
| dw.cfpb_company_lender | decided_by | text | Who made the decision: baseline (the exact-name rule), matcha or matcha+rerank (the statistical matching model, without or with re-ranking), or a person; a person's decision takes precedence, then the model's, then the rule's. |
| dw.cfpb_company_lender | reason | text | Why, in words: the outcome of the exact-name rule, or the matching model's decision with its score and any change on re-ranking. |
| dw.cfpb_company_lender_current | k_cfpb_company_lender | integer | Key of the chosen row in dw.cfpb_company_lender. |
| dw.cfpb_company_lender_current | company | text | Company name exactly as the CFPB (Consumer Financial Protection Bureau) publishes it on complaints. |
| dw.cfpb_company_lender_current | company_key | text | The company name cleaned for matching: upper case, accents and punctuation removed, & written AND, and a leading THE and legal endings such as INC, LLC or N.A. dropped. |
| dw.cfpb_company_lender_current | k_lender | integer | Key of the lender (dw.lender) the company is matched to under the current decision; empty when not matched. |
| dw.cfpb_company_lender_current | match_method | text | How the match was decided: exact_normalised (the cleaned name equals that of exactly one HMDA (Home Mortgage Disclosure Act) filer since 2011), ambiguous (several lenders share it, so none is chosen) or none; or by Jenner's statistical matching model (matcha_business, matcha_business_rerank, or matcha_holding_company_principal for a holding company matched to its main HMDA filer). |
| dw.cfpb_company_lender_current | candidate_count | integer | Number of candidate lenders considered: those sharing the cleaned name, or those the matching model scored. |
| dw.cfpb_company_lender_current | matched_name | text | The lender name that matched (an HMDA name as filed, or the lender's name); empty when not matched. |
| dw.cfpb_company_lender_current | complaints | integer | Number of the company's mortgage-related complaints when the decision was made. |
| dw.cfpb_company_lender_current | created_dt | timestamp with time zone | When the warehouse first wrote the chosen row. |
| dw.cfpb_company_lender_current | updated_dt | timestamp with time zone | When the warehouse last changed the chosen row. |
| dw.cfpb_company_lender_current | problematic | boolean | True when a known data problem is still open for this row; dw.data_note explains it. |
| dw.cfpb_company_lender_current | match_prob | numeric | Statistical matching model only: probability, 0 to 1, that the chosen lender is the company (or, when none was chosen, that the best candidate is); empty for the exact-name rule. |
| dw.cfpb_company_lender_current | p_none | numeric | Statistical matching model only: probability, 0 to 1, that none of the candidate lenders is the company; empty for the exact-name rule. |
| dw.cfpb_company_lender_current | decided_by | text | Who made the decision in force: a person, the statistical matching model (matcha or matcha+rerank), or the exact-name rule (baseline). |
| dw.cfpb_company_lender_current | reason | text | Why, in words: the outcome of the exact-name rule, or the matching model's decision with its score and any change on re-ranking. |
| dw.cfpb_complaint | k_cfpb_complaint | integer | The row's ID number in the warehouse; tables join on it rather than on the published codes. |
| dw.cfpb_complaint | complaint_id | bigint | The CFPB's (Consumer Financial Protection Bureau) complaint number. |
| dw.cfpb_complaint | date_received | date | Date the CFPB received the complaint; the database starts in December 2011. |
| dw.cfpb_complaint | k_period | integer | Year the complaint was received (key of dw.period). |
| dw.cfpb_complaint | product | text | Product the consumer named, as published: Mortgage, Debt collection (mortgage debt) or Debt or credit management (mortgage relief services). |
| dw.cfpb_complaint | sub_product | text | Sub-product as published, e.g. [Conventional](#term:conventional) home mortgage, or Home equity loan or line of credit (HELOC); empty when blank. |
| dw.cfpb_complaint | issue | text | The problem the consumer identified, as published, e.g. Trouble during payment process; empty when blank. |
| dw.cfpb_complaint | sub_issue | text | Sub-issue as published; empty when blank. |
| dw.cfpb_complaint | company_public_response | text | The company's optional public response, one of the CFPB's set phrases; empty when none. |
| dw.cfpb_complaint | company | text | Company the complaint was sent to, as published; it carries no lender ID and is linked to lenders by name through dw.cfpb_company_lender. |
| dw.cfpb_complaint | state | text | State of the consumer's mailing address, including DC, territories and military codes; empty when blank. |
| dw.cfpb_complaint | zip_code | text | Consumer's ZIP code as published: five digits, three digits plus XX where the CFPB shortened it, or XXXXX where withheld. |
| dw.cfpb_complaint | zip_precision | smallint | How much of the ZIP code is usable: 5 for a full ZIP, 3 for the first three digits only, empty for none. |
| dw.cfpb_complaint | zip3 | character(3) | First three digits of the consumer's ZIP code, when usable; empty otherwise. |
| dw.cfpb_complaint | tags | text | CFPB tags as published: Older American, Servicemember, or both; empty when none. |
| dw.cfpb_complaint | submitted_via | text | How the complaint reached the CFPB: Web, Referral, Phone, Postal mail, Fax or Email. |
| dw.cfpb_complaint | date_sent_to_company | date | Date the CFPB sent the complaint to the company. |
| dw.cfpb_complaint | company_response | text | The company's response to the consumer, e.g. Closed with explanation, Closed with monetary relief or In progress. |
| dw.cfpb_complaint | timely_response | boolean | Whether the company responded on time; empty when blank. |
| dw.cfpb_complaint | mortgage_scope | text | Why the complaint counts as mortgage-related: mortgage (any mortgage product, including home equity and reverse mortgages), mortgage_debt_collection, mortgage_relief_service, or other_mortgage_subproduct. |
| dw.cfpb_complaint | row_hash | character(32) | Fingerprint of all the complaint's published fields; a change means the CFPB revised the complaint and the row is updated. |
| dw.cfpb_complaint | first_seen_dt | date | Publication date of the first CFPB file loaded that contained the complaint. |
| dw.cfpb_complaint | last_seen_dt | date | Publication date of the latest CFPB file loaded that contained the complaint. |
| dw.cfpb_complaint | in_current_release | boolean | True when the complaint is in the latest CFPB file; false when the CFPB has since removed it (kept for history but not counted in totals). |
| dw.cfpb_complaint | k_source | integer | Key of the dw.source row recording the CFPB file that last added or changed this row. |
| dw.cfpb_complaint | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.cfpb_complaint | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.cfpb_complaint | problematic | boolean | True when a known data problem is still open for this row; dw.data_note explains it. |
| dw.cfpb_complaint_area_year | k_cfpb_complaint_area_year | integer | The row's ID number in the warehouse; tables join on it rather than on the published codes. |
| dw.cfpb_complaint_area_year | year | smallint | Year the complaints were received. |
| dw.cfpb_complaint_area_year | k_period | integer | Year of the data (key of dw.period). |
| dw.cfpb_complaint_area_year | state | text | State of the consumers' mailing addresses as the CFPB (Consumer Financial Protection Bureau) published it; empty for complaints with no state. |
| dw.cfpb_complaint_area_year | zip3 | character(3) | First three digits of the consumers' ZIP code; empty for complaints with no usable ZIP. |
| dw.cfpb_complaint_area_year | complaints | integer | Mortgage-related complaints received that year from this state and ZIP3 area. |
| dw.cfpb_complaint_area_year | from_zip5 | integer | Of those complaints, the number published with a full five-digit ZIP. |
| dw.cfpb_complaint_area_year | from_zip3 | integer | Of those complaints, the number published with only the first three ZIP digits. |
| dw.cfpb_complaint_area_year | heloc_complaints | integer | Of those complaints, the number about a home equity loan or line of credit (HELOC). |
| dw.cfpb_complaint_area_year | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.cfpb_complaint_area_year | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.cfpb_complaint_area_year | problematic | boolean | True when a known data problem is still open for this row; dw.data_note explains it. |
| dw.cfpb_complaint_company_year | k_cfpb_complaint_company_year | integer | The row's ID number in the warehouse; tables join on it rather than on the published codes. |
| dw.cfpb_complaint_company_year | company | text | Company name exactly as the CFPB (Consumer Financial Protection Bureau) publishes it. |
| dw.cfpb_complaint_company_year | year | smallint | Year the complaints were received. |
| dw.cfpb_complaint_company_year | k_period | integer | Year of the data (key of dw.period). |
| dw.cfpb_complaint_company_year | k_lender | integer | Key of the lender (dw.lender) the company was matched to when this table was refreshed; empty when not matched. dw.cfpb_complaint_lender_year uses the current match instead. |
| dw.cfpb_complaint_company_year | match_method | text | How the company was matched to the lender at that time: exact_normalised, ambiguous, none, or a method of Jenner's statistical matching model (see dw.cfpb_company_lender). |
| dw.cfpb_complaint_company_year | complaints | integer | Mortgage-related complaints about the company received that year. |
| dw.cfpb_complaint_company_year | heloc_complaints | integer | Of those, complaints about a home equity loan or line of credit (HELOC). |
| dw.cfpb_complaint_company_year | servicing_complaints | integer | Of those, complaints about servicing: payment trouble, loan modification, collection, foreclosure, escrow or struggling to pay. |
| dw.cfpb_complaint_company_year | origination_complaints | integer | Of those, complaints about getting a loan: applying or refinancing, the originator or broker, underwriting, closing and settlement costs. |
| dw.cfpb_complaint_company_year | timely_responses | integer | Of those, complaints the company answered on time. |
| dw.cfpb_complaint_company_year | monetary_relief | integer | Of those, complaints closed with money paid or refunded to the consumer. |
| dw.cfpb_complaint_company_year | in_progress | integer | Of those, complaints still open in the current file. |
| dw.cfpb_complaint_company_year | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.cfpb_complaint_company_year | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.cfpb_complaint_company_year | problematic | boolean | True when a known data problem is still open for this row; dw.data_note explains it. |
| dw.cfpb_complaint_lender_year | k_lender | integer | Key of the HMDA lender (dw.lender) the complaint companies are matched to under the current decision in dw.cfpb_company_lender_current. |
| dw.cfpb_complaint_lender_year | year | smallint | Year the complaints were received. |
| dw.cfpb_complaint_lender_year | k_period | integer | Year of the data (key of dw.period). |
| dw.cfpb_complaint_lender_year | match_methods | text | How the companies counted were matched, comma-separated, e.g. exact_normalised,matcha_business. |
| dw.cfpb_complaint_lender_year | companies | bigint | Number of CFPB (Consumer Financial Protection Bureau) company names matched to the lender that had complaints that year. |
| dw.cfpb_complaint_lender_year | complaints | bigint | Mortgage-related complaints about those companies received that year. |
| dw.cfpb_complaint_lender_year | heloc_complaints | bigint | Of those, complaints about a home equity loan or line of credit (HELOC). |
| dw.cfpb_complaint_lender_year | servicing_complaints | bigint | Of those, complaints about servicing (payments, escrow, modification, foreclosure). |
| dw.cfpb_complaint_lender_year | origination_complaints | bigint | Of those, complaints about applying for, underwriting or closing a loan. |
| dw.cfpb_complaint_lender_year | timely_responses | bigint | Of those, complaints the company answered on time. |
| dw.cfpb_complaint_lender_year | monetary_relief | bigint | Of those, complaints closed with money paid or refunded to the consumer. |
| dw.cfpb_file_manifest | k_cfpb_file_manifest | integer | Key of the dw.augment_manifest row shown. |
| dw.cfpb_file_manifest | file_name | text | The CFPB (Consumer Financial Protection Bureau) consumer complaint file, as its path in the data folder. |
| dw.cfpb_file_manifest | period_label | text | What part of the source the file covers: 'all', the whole complaint file, re-issued under one name. |
| dw.cfpb_file_manifest | k_period | integer | Year the file covers (key of dw.period); empty when it covers no single year. |
| dw.cfpb_file_manifest | file_bytes | bigint | Size of the file in bytes. |
| dw.cfpb_file_manifest | sha256 | character(64) | Fingerprint (SHA-256 checksum) of the file's contents; the file is loaded again only when this changes. |
| dw.cfpb_file_manifest | source_url | text | Web address the file was downloaded from. |
| dw.cfpb_file_manifest | publisher_dt | timestamp with time zone | The publisher's release or refresh time for the file; empty when it gives none. |
| dw.cfpb_file_manifest | retrieved_dt | timestamp with time zone | When the file was downloaded. |
| dw.cfpb_file_manifest | loaded_dt | timestamp with time zone | When the warehouse loaded the file; empty when it is not loaded or was set aside. |
| dw.cfpb_file_manifest | rows_loaded | bigint | Rows loaded from the file. |
| dw.cfpb_file_manifest | k_source | integer | Key of the dw.source row recording this load. |
| dw.cfpb_file_manifest | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.cfpb_file_manifest | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.cfpb_file_manifest | problematic | boolean | True when a known data problem is still open for this row; dw.data_note explains it. |
| dw.cfpb_file_manifest_retired | k_cfpb_file_manifest | integer | The row's ID number in this retired register; its copy in dw.augment_manifest carries it as migrated_key. |
| dw.cfpb_file_manifest_retired | file_name | text | The CFPB (Consumer Financial Protection Bureau) consumer complaint file, as its path in the data folder. |
| dw.cfpb_file_manifest_retired | period_label | text | What part of the source the file covers: 'all', the whole complaint file, re-issued under one name. |
| dw.cfpb_file_manifest_retired | k_period | integer | Year the file covers (key of dw.period); empty when it covers no single year. |
| dw.cfpb_file_manifest_retired | file_bytes | bigint | Size of the file in bytes. |
| dw.cfpb_file_manifest_retired | sha256 | character(64) | Fingerprint (SHA-256 checksum) of the file's contents; the file is loaded again only when this changes. |
| dw.cfpb_file_manifest_retired | source_url | text | Web address the file was downloaded from. |
| dw.cfpb_file_manifest_retired | publisher_dt | timestamp with time zone | The publisher's release or refresh time for the file; empty when it gives none. |
| dw.cfpb_file_manifest_retired | retrieved_dt | timestamp with time zone | When the file was downloaded. |
| dw.cfpb_file_manifest_retired | loaded_dt | timestamp with time zone | When the warehouse loaded the file. |
| dw.cfpb_file_manifest_retired | rows_loaded | bigint | Rows loaded from the file. |
| dw.cfpb_file_manifest_retired | k_source | integer | Key of the dw.source row recording this load. |
| dw.cfpb_file_manifest_retired | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.cfpb_file_manifest_retired | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.cfpb_file_manifest_retired | problematic | boolean | True when a known data problem is still open for this row; dw.data_note explains it. |
| dw.code | k_code | integer | The row's ID number in the warehouse; tables join on it rather than on the published codes. |
| dw.code | code_era | text | Years the label applies to: pre2004 (1990-2003), pre2018 (2004-2017), 2018on, or all (same meaning in every year). |
| dw.code | field | text | Name of the coded field, e.g. loan_type, loan_purpose, lien_status, purchaser_type, denial_reason or agency_code. |
| dw.code | code | smallint | The code as filed. |
| dw.code | label | text | What the code means, in words. |
| dw.code | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.code | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.code | problematic | boolean | True when a known data problem is still open for this row; dw.data_note explains it. |
| dw.county_change | k_county_change | integer | The row's ID number in the warehouse; tables join on it rather than on the published codes. |
| dw.county_change | decade | smallint | Decade page of the Census Bureau list the change appears on (1970 to 2020). |
| dw.county_change | section | text | Kind of change: new (code created), deleted (code retired), renamed (name or code changed) or boundary (substantial boundary change). |
| dw.county_change | county_fips | character(5) | 5-digit FIPS (Federal Information Processing Standards) code of the county or county equivalent: 2-digit state plus 3-digit county. |
| dw.county_change | county_name | text | Name of the county and its state as the Census Bureau gives it, e.g. 'Nansemond city, Virginia'. |
| dw.county_change | effective_date | date | Date the change took effect; empty when the Census Bureau gives none. |
| dw.county_change | related_fips | text | Other county codes the entry names, separated by semicolons, e.g. the counties a new one was formed from; empty when none. |
| dw.county_change | successor_fips | character(5) | For a retired or renamed code, the single county code its whole territory went to (e.g. Nansemond, VA 51123 to Suffolk city 51800); empty for splits, boundary changes and new codes. Used to repair HMDA records filed under the old code. |
| dw.county_change | description | text | The entry as the Census Bureau published it. |
| dw.county_change | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.county_change | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.county_change | problematic | boolean | True when a known data problem is still open for this row; dw.data_note explains it. |
| dw.county_msa | k_county_msa | integer | The row's ID number in the warehouse; tables join on it rather than on the published codes. |
| dw.county_msa | k_geo_county | integer | Key of the county (dw.geo_county). |
| dw.county_msa | k_geo_msa | integer | Key of the metropolitan area (dw.geo_msa) filed with that county in that year's HMDA records. |
| dw.county_msa | k_period | integer | Year of the data (key of dw.period). |
| dw.county_msa | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.county_msa | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.county_msa | problematic | boolean | True when a known data problem is still open for this row; dw.data_note explains it. |
| dw.cpi | k_cpi | integer | The row's ID number in the warehouse; tables join on it rather than on the published codes. |
| dw.cpi | series_id | text | Bureau of Labor Statistics (BLS) series ID: CUUR0000SA0 U.S. all items, CUUR0000SA0L2 all items less shelter, CUUR0100SA0 to CUUR0400SA0 all items in the Northeast, Midwest, South and West. |
| dw.cpi | series_title | text | BLS title of the series. |
| dw.cpi | area_name | text | Area of the series: U.S. city average, Northeast, Midwest, South or West. |
| dw.cpi | year | smallint | Calendar year of the observation. |
| dw.cpi | period | character(3) | Month or average: M01-M12 the months, M13 the annual average, S01 and S02 the half-year averages. |
| dw.cpi | value | numeric(9,3) | Index level, 1982-84 = 100, not seasonally adjusted, as published. |
| dw.cpi | footnote | text | Any BLS footnote on the observation; empty in every loaded row. |
| dw.cpi | note | text | Why a row is flagged: October 2025 was not collected during the federal shutdown, so 2025's annual and second-half averages rest on fewer months. |
| dw.cpi | k_source | integer | Key of the dw.source row recording the BLS file this row came from. |
| dw.cpi | problematic | boolean | True for the 2025 annual and second-half averages, which lack October 2025; note and dw.data_note explain it. |
| dw.cpi | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.cpi | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.cra_aggregate_lender_area | k_cra_aggregate_lender_area | integer | The row's ID number in the warehouse; tables join on it rather than on the published codes. |
| dw.cra_aggregate_lender_area | k_period | integer | Year of the data (key of dw.period); the table is stored in one piece per year, so filtering on it reads only the years needed. |
| dw.cra_aggregate_lender_area | activity_year | smallint | Year the loans were made or bought (the CRA, Community Reinvestment Act, activity year). |
| dw.cra_aggregate_lender_area | table_id | text | FFIEC (Federal Financial Institutions Examination Council) aggregate table: A1-1a small business originations, A1-2a small business purchases, A2-1a small farm originations, A2-2a small farm purchases. |
| dw.cra_aggregate_lender_area | loan_type | smallint | 4 = small business loans, 5 = small farm loans. |
| dw.cra_aggregate_lender_area | action_taken | smallint | 1 = originated, 6 = purchased. |
| dw.cra_aggregate_lender_area | state_fips | character(2) | 2-digit state FIPS (Federal Information Processing Standards) code; empty on totals across all states. |
| dw.cra_aggregate_lender_area | county_fips | character(5) | 5-digit county FIPS code (state plus county); empty on totals across all counties. |
| dw.cra_aggregate_lender_area | msa_code | text | Metropolitan statistical area or metropolitan division (MSA/MD) code as published: 4 digits to 2003, 5 digits from 2004; 'NA' outside any metro area. |
| dw.cra_aggregate_lender_area | respondent_id | text | The lender's 10-character CRA (Community Reinvestment Act) respondent ID from its regulator, the same as its pre-2018 HMDA (Home Mortgage Disclosure Act) ID where it has one; empty on total rows. |
| dw.cra_aggregate_lender_area | agency_code | smallint | The lender's regulator: 1 OCC (Office of the Comptroller of the Currency), 2 Federal Reserve System, 3 FDIC (Federal Deposit Insurance Corporation), 4 OTS (Office of Thrift Supervision, until 2011); empty on total rows. |
| dw.cra_aggregate_lender_area | k_cra_respondent | integer | Key of the CRA reporter for that year (dw.cra_respondent); empty on total rows. |
| dw.cra_aggregate_lender_area | lender_count | integer | Number of lenders reporting loans in the area; on total rows only. |
| dw.cra_aggregate_lender_area | report_level | smallint | Empty for one lender's loans in a county; 200 for a county total of all lenders; 210 for a metro area total. |
| dw.cra_aggregate_lender_area | n_loans | bigint | Number of small business (or small farm) loans, all sizes. |
| dw.cra_aggregate_lender_area | amt_000 | bigint | Amount of those loans, in thousands of dollars. |
| dw.cra_aggregate_lender_area | n_rev_lt_1m | bigint | Number of the loans made to businesses or farms with gross annual revenues under $1 million. |
| dw.cra_aggregate_lender_area | amt_rev_lt_1m_000 | bigint | Amount of the loans to businesses or farms with revenues under $1 million, in thousands of dollars. |
| dw.cra_aggregate_lender_area | k_source | integer | Key of the dw.source row recording the year's FFIEC CRA aggregate file. |
| dw.cra_aggregate_lender_area | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.cra_aggregate_lender_area | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.cra_aggregate_lender_area | problematic | boolean | True when a known data problem is still open for this row; dw.data_note explains it. |
| dw.cra_aggregate_tract | k_cra_aggregate_tract | integer | The row's ID number in the warehouse; tables join on it rather than on the published codes. |
| dw.cra_aggregate_tract | k_period | integer | Year of the data (key of dw.period); the table is stored in one piece per year, so filtering on it reads only the years needed. |
| dw.cra_aggregate_tract | activity_year | smallint | Year the loans were made or bought (the CRA, Community Reinvestment Act, activity year). |
| dw.cra_aggregate_tract | table_id | text | FFIEC (Federal Financial Institutions Examination Council) aggregate table: A1-1 small business originations, A1-2 small business purchases, A2-1 small farm originations, A2-2 small farm purchases. |
| dw.cra_aggregate_tract | loan_type | smallint | 4 = small business loans, 5 = small farm loans. |
| dw.cra_aggregate_tract | action_taken | smallint | 1 = originated, 6 = purchased. |
| dw.cra_aggregate_tract | state_fips | character(2) | 2-digit state FIPS (Federal Information Processing Standards) code; empty on totals across all states. |
| dw.cra_aggregate_tract | county_fips | character(5) | 5-digit county FIPS code (state plus county); empty on totals across all counties. |
| dw.cra_aggregate_tract | msa_code | text | Metropolitan statistical area or metropolitan division (MSA/MD) code as published: 4 digits to 2003, 5 digits from 2004; 'NA' outside any metro area. |
| dw.cra_aggregate_tract | tract | text | Census tract number as published, with its decimal point (e.g. 0110.00). |
| dw.cra_aggregate_tract | tract_code | character(11) | The tract as 11 digits (state, county, tract), the form HMDA (Home Mortgage Disclosure Act) data and dw.geo_tract use; empty when the published tract is not well formed or on totals. |
| dw.cra_aggregate_tract | census_vintage | smallint | Census whose tract boundaries the year uses: 1990 (1996-2002), 2000 (2003-2011), 2010 (2012-2021) or 2020 (2022 on); empty when there is no tract code. |
| dw.cra_aggregate_tract | k_geo_tract | integer | Key of the tract (dw.geo_tract) in its census's geography; empty when the code is not found there or on totals. |
| dw.cra_aggregate_tract | split_county | text | The FFIEC's Split County Indicator as published, Y or N; the FFIEC does not define it, Y appears only in 1996-2003, and its meaning is not established. |
| dw.cra_aggregate_tract | population_class | text | County size class: S for a county under 500,000 people, L for 500,000 or more; empty on total rows. |
| dw.cra_aggregate_tract | income_group | smallint | Tract income as a share of the area median family income: 1-13 in 10-point bands (1 under 10%, 8 = 70-80%, 13 over 120%), 14 income not known, 15 tract not known; or summary groups 101 low (under 50%), 102 moderate (50-80%), 103 middle (80-120%), 104 upper (over 120%), 105 income not known, 106 tract not known. Empty on county and metro totals. |
| dw.cra_aggregate_tract | report_level | smallint | Empty for one tract's detail; 100 income-group total; 200 county total; 210 metro area total. Totals include loans that could not be placed in a tract. |
| dw.cra_aggregate_tract | n_size1 | bigint | Number of loans under $100,000 at origination. |
| dw.cra_aggregate_tract | amt_size1_000 | bigint | Amount of the loans under $100,000, in thousands of dollars. |
| dw.cra_aggregate_tract | n_size2 | bigint | Number of loans of $100,000 to $250,000 at origination. |
| dw.cra_aggregate_tract | amt_size2_000 | bigint | Amount of the loans of $100,000 to $250,000, in thousands of dollars. |
| dw.cra_aggregate_tract | n_size3 | bigint | Number of loans in the top size band: $250,000 to $1 million for small business loans, $250,000 to $500,000 for small farm loans. |
| dw.cra_aggregate_tract | amt_size3_000 | bigint | Amount of the loans in the top size band, in thousands of dollars. |
| dw.cra_aggregate_tract | n_rev_lt_1m | bigint | Number of the loans made to businesses or farms with gross annual revenues under $1 million. |
| dw.cra_aggregate_tract | amt_rev_lt_1m_000 | bigint | Amount of the loans to businesses or farms with revenues under $1 million, in thousands of dollars. |
| dw.cra_aggregate_tract | k_source | integer | Key of the dw.source row recording the year's FFIEC CRA aggregate file. |
| dw.cra_aggregate_tract | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.cra_aggregate_tract | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.cra_aggregate_tract | problematic | boolean | True when a known data problem is still open for this row; dw.data_note explains it. |
| dw.cra_assessment_area_tract | k_cra_assessment_area_tract | integer | The row's ID number in the warehouse; tables join on it rather than on the published codes. |
| dw.cra_assessment_area_tract | k_period | integer | Year of the data (key of dw.period); the table is stored in one piece per year, so filtering on it reads only the years needed. |
| dw.cra_assessment_area_tract | activity_year | smallint | Year of the CRA (Community Reinvestment Act) report. |
| dw.cra_assessment_area_tract | k_cra_respondent | integer | Key of the reporting bank for that year (dw.cra_respondent). |
| dw.cra_assessment_area_tract | respondent_id | text | The bank's 10-character CRA respondent ID from its regulator, the same as its pre-2018 HMDA (Home Mortgage Disclosure Act) ID where it has one. |
| dw.cra_assessment_area_tract | agency_code | smallint | The bank's regulator: 1 OCC (Office of the Comptroller of the Currency), 2 Federal Reserve System, 3 FDIC (Federal Deposit Insurance Corporation), 4 OTS (Office of Thrift Supervision, until 2011). |
| dw.cra_assessment_area_tract | state_fips | character(2) | 2-digit state FIPS (Federal Information Processing Standards) code. |
| dw.cra_assessment_area_tract | county_fips | character(5) | 5-digit county FIPS code (state plus county). |
| dw.cra_assessment_area_tract | msa_code | text | Metropolitan statistical area or metropolitan division (MSA/MD) code as published: 4 digits to 2003, 5 digits from 2004; 'NA' outside any metro area. |
| dw.cra_assessment_area_tract | tract | text | Census tract number as published, with its decimal point (e.g. 0110.00). |
| dw.cra_assessment_area_tract | tract_code | character(11) | The tract as 11 digits (state, county, tract), the form HMDA data and dw.geo_tract use; empty when the published tract is not well formed. |
| dw.cra_assessment_area_tract | census_vintage | smallint | Census whose tract boundaries the year uses: 1990 (1996-2002), 2000 (2003-2011), 2010 (2012-2021) or 2020 (2022 on); empty when there is no tract code. |
| dw.cra_assessment_area_tract | k_geo_tract | integer | Key of the tract (dw.geo_tract) in its census's geography; empty when the code is not found there. |
| dw.cra_assessment_area_tract | assessment_area | text | Number of the bank's assessment area (the area its regulator examines it on), 0001-9999; 'NA' outside any assessment area. |
| dw.cra_assessment_area_tract | partial_county | text | The FFIEC's Partial County Indicator as published, Y or N; the FFIEC does not define it and its meaning is not established. |
| dw.cra_assessment_area_tract | split_county | text | The FFIEC's Split County Indicator as published, Y or N; the FFIEC does not define it, Y appears only in 1996-2003, and its meaning is not established. |
| dw.cra_assessment_area_tract | population_class | text | County size class: S for a county under 500,000 people, L for 500,000 or more. |
| dw.cra_assessment_area_tract | income_group | smallint | Tract income as a share of the area median family income: 1-13 in 10-point bands (1 under 10%, 8 = 70-80%, 13 over 120%), 14 income not known, 15 tract not known; or summary groups 101 low (under 50%), 102 moderate (50-80%), 103 middle (80-120%), 104 upper (over 120%), 105 income not known, 106 tract not known. |
| dw.cra_assessment_area_tract | loan_indicator | boolean | True when the bank reported at least one small business or small farm loan in the tract that year. |
| dw.cra_assessment_area_tract | k_source | integer | Key of the dw.source row recording the year's FFIEC CRA disclosure file. |
| dw.cra_assessment_area_tract | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.cra_assessment_area_tract | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.cra_assessment_area_tract | problematic | boolean | True when a known data problem is still open for this row; dw.data_note explains it. |
| dw.cra_community_development | k_cra_community_development | integer | The row's ID number in the warehouse; tables join on it rather than on the published codes. |
| dw.cra_community_development | k_period | integer | Year of the data (key of dw.period). |
| dw.cra_community_development | activity_year | smallint | Year of the CRA (Community Reinvestment Act) report. |
| dw.cra_community_development | k_cra_respondent | integer | Key of the reporting bank for that year (dw.cra_respondent). |
| dw.cra_community_development | loan_type | smallint | 6 = community development loans, 7 = consortium or third-party loans. |
| dw.cra_community_development | n_loans | bigint | Number of loans. |
| dw.cra_community_development | amt_000 | bigint | Amount of the loans, in thousands of dollars. |
| dw.cra_community_development | n_affiliate | bigint | Number of the loans made by an affiliate and counted for this bank; empty for consortium and third-party rows. |
| dw.cra_community_development | amt_affiliate_000 | bigint | Amount of the affiliate loans, in thousands of dollars; empty where not applicable. |
| dw.cra_community_development | action_type | text | From 1998: O originated, P purchased, T total of both; empty before 1998. |
| dw.cra_community_development | k_source | integer | Key of the dw.source row recording the year's FFIEC CRA disclosure file. |
| dw.cra_community_development | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.cra_community_development | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.cra_community_development | problematic | boolean | True when a known data problem is still open for this row; dw.data_note explains it. |
| dw.cra_disclosure | k_cra_disclosure | integer | The row's ID number in the warehouse; tables join on it rather than on the published codes. |
| dw.cra_disclosure | k_period | integer | Year of the data (key of dw.period); the table is stored in one piece per year, so filtering on it reads only the years needed. |
| dw.cra_disclosure | activity_year | smallint | Year the loans were made or bought (the CRA, Community Reinvestment Act, activity year). |
| dw.cra_disclosure | table_id | text | FFIEC (Federal Financial Institutions Examination Council) disclosure table: D1-1 small business originations, D1-2 small business purchases, D2-1 small farm originations, D2-2 small farm purchases. |
| dw.cra_disclosure | k_cra_respondent | integer | Key of the reporting bank for that year (dw.cra_respondent). |
| dw.cra_disclosure | respondent_id | text | The bank's 10-character CRA respondent ID from its regulator, the same as its pre-2018 HMDA (Home Mortgage Disclosure Act) ID where it has one. |
| dw.cra_disclosure | agency_code | smallint | The bank's regulator: 1 OCC (Office of the Comptroller of the Currency), 2 Federal Reserve System, 3 FDIC (Federal Deposit Insurance Corporation), 4 OTS (Office of Thrift Supervision, until 2011). |
| dw.cra_disclosure | loan_type | smallint | 4 = small business loans, 5 = small farm loans. |
| dw.cra_disclosure | action_taken | smallint | 1 = originated, 6 = purchased. |
| dw.cra_disclosure | state_fips | character(2) | 2-digit state FIPS (Federal Information Processing Standards) code; empty on totals across all states. |
| dw.cra_disclosure | county_fips | character(5) | 5-digit county FIPS code (state plus county); empty on totals across all counties. |
| dw.cra_disclosure | msa_code | text | Metropolitan statistical area or metropolitan division (MSA/MD) code as published: 4 digits to 2003, 5 digits from 2004; 'NA' outside any metro area; empty on totals across all metro areas. |
| dw.cra_disclosure | assessment_area | text | Number of the bank's assessment area (the area its regulator examines it on), 0001-9999; 'NA' outside any assessment area; empty on totals across all of them. |
| dw.cra_disclosure | partial_county | text | The FFIEC's Partial County Indicator as published, Y or N; the FFIEC does not define it and its meaning is not established. |
| dw.cra_disclosure | split_county | text | The FFIEC's Split County Indicator as published, Y or N; the FFIEC does not define it, Y appears only in 1996-2003, and its meaning is not established. |
| dw.cra_disclosure | population_class | text | County size class: S for a county under 500,000 people, L for 500,000 or more; empty on total rows. |
| dw.cra_disclosure | income_group | smallint | Income of the tracts the loans are in, as a share of the area median family income: 1-13 in 10-point bands, 14 income not known, 15 tract not known; or grouped as 101 low (under 50%), 102 moderate (50-80%), 103 middle (80-120%), 104 upper (over 120%), 105 and 106 not known. Empty on total rows. |
| dw.cra_disclosure | report_level | smallint | Empty for a detail row; otherwise the kind of total: 4 all areas, 6 inside the assessment areas, 8 outside; 10 state, 20 and 30 inside and outside in the state; 40 county, 50 and 60 inside and outside in the county. Add state totals (10) for a bank's yearly figures, because the all-area total falls short in 2002 and 2003. |
| dw.cra_disclosure | n_size1 | bigint | Number of loans under $100,000 at origination. |
| dw.cra_disclosure | amt_size1_000 | bigint | Amount of the loans under $100,000, in thousands of dollars. |
| dw.cra_disclosure | n_size2 | bigint | Number of loans of $100,000 to $250,000 at origination. |
| dw.cra_disclosure | amt_size2_000 | bigint | Amount of the loans of $100,000 to $250,000, in thousands of dollars. |
| dw.cra_disclosure | n_size3 | bigint | Number of loans in the top size band: $250,000 to $1 million for small business loans, $250,000 to $500,000 for small farm loans. |
| dw.cra_disclosure | amt_size3_000 | bigint | Amount of the loans in the top size band, in thousands of dollars. |
| dw.cra_disclosure | n_rev_lt_1m | bigint | Number of the loans made to businesses or farms with gross annual revenues under $1 million. |
| dw.cra_disclosure | amt_rev_lt_1m_000 | bigint | Amount of the loans to businesses or farms with revenues under $1 million, in thousands of dollars. |
| dw.cra_disclosure | n_affiliate | bigint | Number of the loans made by an affiliate and counted for this bank. |
| dw.cra_disclosure | amt_affiliate_000 | bigint | Amount of the affiliate loans, in thousands of dollars. |
| dw.cra_disclosure | k_source | integer | Key of the dw.source row recording the year's FFIEC CRA disclosure file. |
| dw.cra_disclosure | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.cra_disclosure | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.cra_disclosure | problematic | boolean | True when a known data problem is still open for this row; dw.data_note explains it. |
| dw.cra_exam_schedule | k_cra_exam_schedule | integer | The row's ID number in the warehouse; tables join on it rather than on the published codes. |
| dw.cra_exam_schedule | agency | text | Regulator that scheduled the CRA (Community Reinvestment Act) examination: FDIC (Federal Deposit Insurance Corporation), OCC (Office of the Comptroller of the Currency) or FRB (Federal Reserve Board). |
| dw.cra_exam_schedule | institution_key | text | The regulator's own identifier for the bank: cert: plus the FDIC certificate, rssd: plus the RSSD (the Federal Reserve's institution ID), or, because the OCC lists no identifier, name: plus the cleaned name and state. |
| dw.cra_exam_schedule | exam_quarter | date | First day of the quarter the examination is scheduled in. |
| dw.cra_exam_schedule | exam_year | smallint | Year of the scheduled quarter. |
| dw.cra_exam_schedule | exam_qtr | smallint | Quarter of the scheduled examination, 1 to 4. |
| dw.cra_exam_schedule | exam_month | date | OCC only: month of the planned evaluation (first day of the month). |
| dw.cra_exam_schedule | exam_start_dt | date | OCC lists of 2014-2016 only: the printed start day. |
| dw.cra_exam_schedule | name_raw | text | Bank name as the newest listing prints it. |
| dw.cra_exam_schedule | address_raw | text | Street address as the newest listing prints it (FDIC and OCC only). |
| dw.cra_exam_schedule | city_raw | text | City as the newest listing prints it. |
| dw.cra_exam_schedule | state_raw | text | State as the newest listing prints it. |
| dw.cra_exam_schedule | zip_raw | text | ZIP code as the newest listing prints it (FDIC and OCC only). |
| dw.cra_exam_schedule | fdic_cert | integer | FDIC certificate number: as listed by the FDIC, found by name among FDIC institutions, or taken from the FDIC record of the RSSD; empty when the bank could not be identified. |
| dw.cra_exam_schedule | rssd | text | RSSD (the Federal Reserve's institution ID): as listed and verified for the Federal Reserve, otherwise from the FDIC record of the certificate. |
| dw.cra_exam_schedule | occ_charter | integer | OCC charter number, from the FDIC record of the certificate; empty when the bank has none or is not identified. |
| dw.cra_exam_schedule | region | text | FDIC region code or Federal Reserve district, from the newest listing; empty for the OCC. |
| dw.cra_exam_schedule | field_office | text | FDIC field office code, from the newest listing; FDIC only. |
| dw.cra_exam_schedule | first_publication | text | The earliest publication listing the bank for this quarter (see dw.cra_exam_schedule_listing). |
| dw.cra_exam_schedule | first_published_dt | date | Publisher's date on that earliest publication, or the day it was first fetched when the publisher gives none (the Federal Reserve). |
| dw.cra_exam_schedule | first_fetched_at | timestamp with time zone | When the earliest publication was fetched. |
| dw.cra_exam_schedule | last_publication | text | The newest publication listing the bank for this quarter; the name and address columns come from it. |
| dw.cra_exam_schedule | last_fetched_at | timestamp with time zone | When the newest publication was fetched. |
| dw.cra_exam_schedule | n_publications | integer | How many publications list the bank for this quarter (up to 2, as the OCC covers most quarters in two lists). |
| dw.cra_exam_schedule | still_listed | boolean | True when the newest publication covering the quarter still lists the bank; a bank dropped from the later OCC list was moved or removed. |
| dw.cra_exam_schedule | source_url | text | Web address of the newest publication listing the bank. |
| dw.cra_exam_schedule | publisher_dt | date | Publisher's date on the newest publication; empty for the Federal Reserve. |
| dw.cra_exam_schedule | k_lender | integer | Key of the HMDA (Home Mortgage Disclosure Act) lender (dw.lender) the bank is; empty when the bank could not be identified or has no lender in the warehouse (match_note says which). |
| dw.cra_exam_schedule | match_method | text | How the lender was found: by FDIC certificate (cert_rssd, cert_arid), by RSSD (rssd), by matching an OCC listing to an FDIC institution on name, state and place (occ_name_state and variants), or none. |
| dw.cra_exam_schedule | name_match | boolean | True when the bank was identified by name (every matched OCC row) rather than by an ID the regulator printed. |
| dw.cra_exam_schedule | match_note | text | Why the row has no lender, or remarks on its listing lines; empty when matched without remark. |
| dw.cra_exam_schedule | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.cra_exam_schedule | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.cra_exam_schedule | problematic | boolean | True when a known data problem is open: the bank could not be identified (no FDIC certificate or verified RSSD), or a listing line was flagged; dw.data_note explains it. |
| dw.cra_exam_schedule_listing | k_cra_exam_schedule_listing | integer | The row's ID number in the warehouse; tables join on it rather than on the published codes. |
| dw.cra_exam_schedule_listing | agency | text | Regulator that published the schedule: FDIC (Federal Deposit Insurance Corporation, for state non-member banks and state savings associations), OCC (Office of the Comptroller of the Currency, for national banks and federal savings associations) or FRB (Federal Reserve Board, for state member banks). |
| dw.cra_exam_schedule_listing | publication | text | The unit the regulator posted: the quarter for the FDIC and Federal Reserve (e.g. '2026Q4'), the PDF name for the OCC (e.g. 'craq426'). |
| dw.cra_exam_schedule_listing | publication_label | text | Title of the publication: the OCC's own, or a descriptive label for FDIC and Federal Reserve lists. |
| dw.cra_exam_schedule_listing | publication_seq | integer | Order of publication within the regulator; a larger number is newer. |
| dw.cra_exam_schedule_listing | version | text | Date (YYYYMMDD) of the fetch that found this version of the publication; only the newest version is loaded. |
| dw.cra_exam_schedule_listing | quarters_covered | text[] | Calendar quarters the publication covers, e.g. '2026Q4'; most OCC lists since late 2017 cover two. |
| dw.cra_exam_schedule_listing | row_no | integer | Line number of the bank within the publication, from 1. |
| dw.cra_exam_schedule_listing | source_url | text | Web address the publication was fetched from. |
| dw.cra_exam_schedule_listing | file_name | text | The saved copy of the page or PDF, within the data folder. |
| dw.cra_exam_schedule_listing | publisher_dt | date | Date the publisher gives the publication; empty for the Federal Reserve, which gives none. |
| dw.cra_exam_schedule_listing | fetched_at | timestamp with time zone | When this version of the publication was fetched. |
| dw.cra_exam_schedule_listing | name_raw | text | Bank name exactly as listed. |
| dw.cra_exam_schedule_listing | address_raw | text | Street address as listed (FDIC and OCC only; empty for the Federal Reserve). |
| dw.cra_exam_schedule_listing | city_raw | text | City as listed. |
| dw.cra_exam_schedule_listing | state_raw | text | State as listed, upper case. |
| dw.cra_exam_schedule_listing | zip_raw | text | ZIP code as listed (FDIC and OCC only). |
| dw.cra_exam_schedule_listing | fdic_cert | integer | FDIC (Federal Deposit Insurance Corporation) certificate number as listed; FDIC schedules only. |
| dw.cra_exam_schedule_listing | rssd | text | RSSD (the Federal Reserve's institution ID) read from the Federal Reserve page; empty when the page repeats the district's first bank's ID by mistake, in which case the bank is matched by name. |
| dw.cra_exam_schedule_listing | region | text | FDIC region code (e.g. ATL, NY, SF) or the Federal Reserve district (e.g. 'Boston'); empty for the OCC. |
| dw.cra_exam_schedule_listing | field_office | text | FDIC field office code; FDIC only. |
| dw.cra_exam_schedule_listing | exam_month | date | OCC only: month of the planned evaluation (first day of the month). |
| dw.cra_exam_schedule_listing | exam_start_dt | date | OCC lists of 2014-2016 only: the printed start day. |
| dw.cra_exam_schedule_listing | exam_quarter | date | First day of the quarter the examination is scheduled in; for the OCC the quarter of the planned month, even when outside the quarters the list covers. |
| dw.cra_exam_schedule_listing | note | text | Remark on the line: an OCC month outside the list's quarters, a Federal Reserve RSSD not used, or an FDIC line without a certificate number; empty when none. |
| dw.cra_exam_schedule_listing | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.cra_exam_schedule_listing | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.cra_exam_schedule_listing | problematic | boolean | True for an FDIC line with no certificate number; dw.data_note explains it. |
| dw.cra_file_manifest | k_cra_file_manifest | integer | Key of the dw.augment_manifest row shown. |
| dw.cra_file_manifest | file_name | text | The FFIEC (Federal Financial Institutions Examination Council) Community Reinvestment Act file, as its path in the data folder. |
| dw.cra_file_manifest | period_label | text | The activity year the file covers, as text, e.g. '2019'. |
| dw.cra_file_manifest | k_period | integer | Year the file covers (key of dw.period); empty when it covers no single year. |
| dw.cra_file_manifest | file_bytes | bigint | Size of the file in bytes. |
| dw.cra_file_manifest | sha256 | character(64) | Fingerprint (SHA-256 checksum) of the file's contents; the file is loaded again only when this changes. |
| dw.cra_file_manifest | source_url | text | Web address the file was downloaded from. |
| dw.cra_file_manifest | publisher_dt | timestamp with time zone | The publisher's release or refresh time for the file; empty when it gives none. |
| dw.cra_file_manifest | retrieved_dt | timestamp with time zone | When the file was downloaded. |
| dw.cra_file_manifest | loaded_dt | timestamp with time zone | When the warehouse loaded the file; empty when it is not loaded or was set aside. |
| dw.cra_file_manifest | rows_loaded | bigint | Rows loaded from the file. |
| dw.cra_file_manifest | k_source | integer | Key of the dw.source row recording this load. |
| dw.cra_file_manifest | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.cra_file_manifest | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.cra_file_manifest | problematic | boolean | True when a known data problem is still open for this row; dw.data_note explains it. |
| dw.cra_file_manifest_retired | k_cra_file_manifest | integer | The row's ID number in this retired register; its copy in dw.augment_manifest carries it as migrated_key. |
| dw.cra_file_manifest_retired | file_name | text | The FFIEC (Federal Financial Institutions Examination Council) Community Reinvestment Act file, as its path in the data folder. |
| dw.cra_file_manifest_retired | period_label | text | The activity year the file covers, as text, e.g. '2019'. |
| dw.cra_file_manifest_retired | k_period | integer | Year the file covers (key of dw.period); empty when it covers no single year. |
| dw.cra_file_manifest_retired | file_bytes | bigint | Size of the file in bytes. |
| dw.cra_file_manifest_retired | sha256 | character(64) | Fingerprint (SHA-256 checksum) of the file's contents; the file is loaded again only when this changes. |
| dw.cra_file_manifest_retired | source_url | text | Web address the file was downloaded from. |
| dw.cra_file_manifest_retired | publisher_dt | timestamp with time zone | The publisher's release or refresh time for the file; empty when it gives none. |
| dw.cra_file_manifest_retired | retrieved_dt | timestamp with time zone | When the file was downloaded. |
| dw.cra_file_manifest_retired | loaded_dt | timestamp with time zone | When the warehouse loaded the file. |
| dw.cra_file_manifest_retired | rows_loaded | bigint | Rows loaded from the file. |
| dw.cra_file_manifest_retired | k_source | integer | Key of the dw.source row recording this load. |
| dw.cra_file_manifest_retired | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.cra_file_manifest_retired | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.cra_file_manifest_retired | problematic | boolean | True when a known data problem is still open for this row; dw.data_note explains it. |
| dw.cra_lender_year | k_lender | integer | Key of the lender (dw.lender) the CRA (Community Reinvestment Act) reporters are linked to. |
| dw.cra_lender_year | activity_year | smallint | Year the loans were made or bought (the CRA activity year). |
| dw.cra_lender_year | k_period | integer | Year of the data (key of dw.period). |
| dw.cra_lender_year | loan_type | smallint | 4 = small business loans, 5 = small farm loans. |
| dw.cra_lender_year | action_taken | smallint | 1 = originated, 6 = purchased. |
| dw.cra_lender_year | respondents | bigint | Number of the lender's CRA reporters (dw.cra_respondent) with loans of this type that year. |
| dw.cra_lender_year | n_loans | numeric | Number of loans, all size bands together. |
| dw.cra_lender_year | amt_000 | numeric | Amount of the loans, in thousands of dollars. |
| dw.cra_lender_year | n_rev_lt_1m | numeric | Number of the loans made to businesses or farms with gross annual revenues under $1 million. |
| dw.cra_lender_year | amt_rev_lt_1m_000 | numeric | Amount of the loans to businesses or farms with revenues under $1 million, in thousands of dollars. |
| dw.cra_respondent | k_cra_respondent | integer | The row's ID number in the warehouse; tables join on it rather than on the published codes. |
| dw.cra_respondent | activity_year | smallint | Year of the CRA (Community Reinvestment Act) report. |
| dw.cra_respondent | k_period | integer | Year of the data (key of dw.period). |
| dw.cra_respondent | respondent_id | text | 10-character CRA respondent ID from the bank's regulator, the same as its pre-2018 HMDA ID where it has one; unique with the agency code and year. |
| dw.cra_respondent | agency_code | smallint | The bank's regulator: 1 OCC (Office of the Comptroller of the Currency), 2 Federal Reserve System, 3 FDIC (Federal Deposit Insurance Corporation), 4 OTS (Office of Thrift Supervision, until 2011). |
| dw.cra_respondent | arid | text | The bank's pre-2018 HMDA (Home Mortgage Disclosure Act) filer ID, ARID (agency code plus respondent ID); the first way it is linked to a lender. |
| dw.cra_respondent | respondent_name | text | Bank name from the transmittal sheet (up to 30 characters); empty where there is no transmittal sheet (all of 2024). |
| dw.cra_respondent | city | text | City of the bank's address; empty without a transmittal sheet. |
| dw.cra_respondent | state | text | State of the bank's address, postal abbreviation; empty without a transmittal sheet. |
| dw.cra_respondent | zip | text | ZIP code of the bank's address; empty without a transmittal sheet. |
| dw.cra_respondent | tax_id | text | Federal tax ID as published (nn-nnnnnnn); empty without a transmittal sheet. |
| dw.cra_respondent | rssd | text | RSSD (the Federal Reserve's institution ID) from the transmittal sheet, from 1997; empty for 1996 and without a transmittal sheet. |
| dw.cra_respondent | assets_000 | bigint | Total assets at the prior year end, from the bank's call report or thrift financial report, in thousands of dollars; from 1997. |
| dw.cra_respondent | from_transmittal | boolean | True when the row comes from the FFIEC transmittal sheet; false when built from an ID seen only in that year's loan files (every 2024 row, as the 2024 transmittal file was not archived). |
| dw.cra_respondent | k_lender | integer | Key of the HMDA lender (dw.lender) this bank is linked to; empty when there is no match. |
| dw.cra_respondent | lender_match | text | How the lender was found: arid (respondent ID and regulator match a HMDA filer ID), rssd (the RSSD matches), rssd_other_year (the RSSD the bank reported in the nearest other year matches; used for 1996 and 2024), or none. |
| dw.cra_respondent | k_source | integer | Key of the dw.source row recording the year's FFIEC CRA transmittal file; empty for 2024, which has none. |
| dw.cra_respondent | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.cra_respondent | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.cra_respondent | problematic | boolean | True when a known data problem is still open for this row; dw.data_note explains it. |
| dw.data_note | k_data_note | integer | The row's ID number in the warehouse; tables join on it rather than on the published codes. |
| dw.data_note | subject_table | text | Table the note is about, e.g. lar or mart.lender. |
| dw.data_note | subject_key | bigint | ID number of the one row the note is about; empty when it covers many rows or the whole table. |
| dw.data_note | k_period | integer | Year the note is about (key of dw.period); empty when not about one year. |
| dw.data_note | check_name | text | Name of the automated data check that found the problem, if one did. |
| dw.data_note | title | text | Short title of the finding. |
| dw.data_note | note | text | What is wrong, the evidence and how it was resolved. |
| dw.data_note | problematic | boolean | True when the problem is still open; false when resolved or explained. |
| dw.data_note | author | text | Who wrote the note: a person or the automated process that found the problem. |
| dw.data_note | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.data_note | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.dec2020_tract | k_dec2020_tract | integer | The row's ID number in the warehouse; tables join on it rather than on the published codes. |
| dw.dec2020_tract | tract_code | character(11) | 2020 census tract code, 11 digits, matching dw.census_tract; Connecticut keeps its old county codes. |
| dw.dec2020_tract | county_fips | character(5) | 5-digit county FIPS (Federal Information Processing Standards) code, the first five digits of the tract code; Connecticut keeps its old county codes (09001-09015). |
| dw.dec2020_tract | pop_total | integer | Total population. |
| dw.dec2020_tract | housing_units | integer | Housing units; an exact count, with no privacy noise added. |
| dw.dec2020_tract | occupied_units | integer | Occupied housing units. |
| dw.dec2020_tract | vacant_units | integer | Vacant housing units. |
| dw.dec2020_tract | owned_with_mortgage | integer | Owner-occupied units owned with a mortgage or loan. |
| dw.dec2020_tract | owned_free_clear | integer | Owner-occupied units owned free and clear. |
| dw.dec2020_tract | owner_occupied | integer | Owner-occupied units, with or without a mortgage. |
| dw.dec2020_tract | renter_occupied | integer | Renter-occupied units. |
| dw.dec2020_tract | homeownership_rate | numeric(5,4) | Owner-occupied units as a share of occupied units, as a fraction. |
| dw.dec2020_tract | mortgaged_share | numeric(5,4) | Share of owner-occupied units with a mortgage or loan, as a fraction. |
| dw.dec2020_tract | vacancy_rate | numeric(5,4) | Vacant units as a share of all housing units, as a fraction. |
| dw.dec2020_tract | k_source | integer | Key of the dw.source row recording the 2020 Census file this row came from. |
| dw.dec2020_tract | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.dec2020_tract | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.dec2020_tract | problematic | boolean | True when the tract code is not a 2020 tract in dw.census_tract. |
| dw.dec2020_zcta | k_dec2020_zcta | integer | The row's ID number in the warehouse; tables join on it rather than on the published codes. |
| dw.dec2020_zcta | zcta | character(5) | 5-digit ZIP Code Tabulation Area (ZCTA), 2020 definitions. |
| dw.dec2020_zcta | pop_total | integer | Total population. |
| dw.dec2020_zcta | housing_units | integer | Housing units; an exact count, with no privacy noise added. |
| dw.dec2020_zcta | occupied_units | integer | Occupied housing units. |
| dw.dec2020_zcta | vacant_units | integer | Vacant housing units. |
| dw.dec2020_zcta | owned_with_mortgage | integer | Owner-occupied units owned with a mortgage or loan. |
| dw.dec2020_zcta | owned_free_clear | integer | Owner-occupied units owned free and clear. |
| dw.dec2020_zcta | owner_occupied | integer | Owner-occupied units, with or without a mortgage. |
| dw.dec2020_zcta | renter_occupied | integer | Renter-occupied units. |
| dw.dec2020_zcta | homeownership_rate | numeric(5,4) | Owner-occupied units as a share of occupied units, as a fraction. |
| dw.dec2020_zcta | mortgaged_share | numeric(5,4) | Share of owner-occupied units with a mortgage or loan, as a fraction. |
| dw.dec2020_zcta | vacancy_rate | numeric(5,4) | Vacant units as a share of all housing units, as a fraction. |
| dw.dec2020_zcta | k_source | integer | Key of the dw.source row recording the 2020 Census file this row came from. |
| dw.dec2020_zcta | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.dec2020_zcta | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.dec2020_zcta | problematic | boolean | True when a known data problem is still open for this row; dw.data_note explains it. |
| dw.deflator_year | year | smallint | Calendar year, 1990 on. |
| dw.deflator_year | cpi_u_annual | numeric | Annual average Consumer Price Index for All Urban Consumers (CPI-U), all items, U.S. city average, 1982-84 = 100. |
| dw.deflator_year | cpi_u_less_shelter | numeric | Annual average CPI-U, all items less shelter, 1982-84 = 100. |
| dw.deflator_year | pce | numeric(9,3) | Annual Personal Consumption Expenditures (PCE) price index, 2017 = 100; empty for a year the Bureau of Economic Analysis has not yet published. |
| dw.deflator_year | to_2025_cpi | numeric | Multiply a dollar amount of this year by this to restate it in 2025 dollars using CPI-U all items; the default. |
| dw.deflator_year | to_2025_cpi_less_shelter | numeric | Factor to restate an amount in 2025 dollars using CPI-U all items less shelter. |
| dw.deflator_year | to_2025_pce | numeric | Factor to restate an amount in 2025 dollars using the PCE price index; empty when either year has no PCE value. |
| dw.designation_tract_2020 | tract_code_2020 | character(11) | 2020 census tract code, 11 digits (state, county, tract); one row for every 2020 tract. |
| dw.designation_tract_2020 | ffiec_year | smallint | Year of the newest FFIEC (Federal Financial Institutions Examination Council) census file loaded, the same on every row; the source of the income level, LMI flag, income ratio and minority share. |
| dw.designation_tract_2020 | tract_income_level | text | CRA (Community Reinvestment Act) income level of the tract: low, moderate, middle, upper or unknown; empty when the tract is not in the FFIEC file. |
| dw.designation_tract_2020 | is_lmi | boolean | True for a low- or moderate-income (LMI) tract; empty when the tract is not in the FFIEC file. |
| dw.designation_tract_2020 | tract_to_msa_income_pct | numeric(7,2) | Tract median family income as a percentage of its area's median family income, the ratio that sets the income level. |
| dw.designation_tract_2020 | minority_pct | numeric(6,2) | Minority share of the tract population, in percent. |
| dw.designation_tract_2020 | distressed_list_year | smallint | Year of the newest list of distressed or underserved nonmetropolitan middle-income tracts loaded, the same on every row. |
| dw.designation_tract_2020 | is_distressed | boolean | True when that list names the tract as distressed (county poverty, unemployment or population loss). |
| dw.designation_tract_2020 | is_underserved | boolean | True when that list names the tract as underserved (remote rural). |
| dw.designation_tract_2020 | is_cra_distressed_or_underserved | boolean | True when the tract is on that list in any way, including the one-year carry-over; community development there earns CRA credit. |
| dw.designation_tract_2020 | qct_year | smallint | Year of the newest HUD (Department of Housing and Urban Development) Qualified Census Tract designations loaded, the same on every row. |
| dw.designation_tract_2020 | is_qct | boolean | True for a HUD Qualified Census Tract. |
| dw.designation_tract_2020 | dda_year | smallint | Year of the newest HUD Difficult Development Area designations loaded, the same on every row. |
| dw.designation_tract_2020 | is_dda | boolean | True when the tract is in a HUD Difficult Development Area: most of its land in a designated small-area ZIP Code Tabulation Area, or its county a non-metro one. |
| dw.designation_tract_2020 | is_opportunity_zone | boolean | True when most of the tract's land lies in a 2018 Opportunity Zone; approximate where tracts were split or merged between censuses. |
| dw.designation_tract_2020 | oz_land_share | numeric | Share (0 to 1) of the tract's land in an Opportunity Zone; empty when none of it is. |
| dw.designation_tract_2020 | is_cdfi_investment_area | boolean | True for a CDFI Fund (Treasury's Community Development Financial Institutions Fund) Investment Area, on 2016-2020 American Community Survey data; empty for island-area tracts the Fund's file leaves out. |
| dw.designation_tract_2020 | is_persistent_poverty_county | boolean | True when the tract's county is a CDFI Fund Persistent Poverty County (poverty of 20% or more in 1990, 2000 and 2016-2020); empty for island-area tracts. |
| dw.designation_tract_2020 | ruca_code | smallint | Primary RUCA (USDA Rural-Urban Commuting Area) code of the tract, 2020 edition: 1 metropolitan core through 10 rural; 99 no population (water). |
| dw.designation_tract_2020 | secondary_ruca | numeric(4,1) | Secondary RUCA code: the primary code refined by the second-largest commuting flow, e.g. 1.1 or 10.2. |
| dw.designation_tract_2020 | is_rural_ruca | boolean | True when rural by RUCA (primary code 4-10, outside metropolitan cores and their commuting areas). |
| dw.designation_tract_2020 | rucc_code | smallint | USDA (Department of Agriculture) Rural-Urban Continuum Code of the tract's county: 1-3 metro by size, 4-9 non-metro by urban population and nearness to a metro; 2023 codes, else 2013. |
| dw.designation_tract_2020 | rucc_vintage | smallint | Edition the Rural-Urban Continuum Code comes from: 2023, or 2013 when the county has no 2023 code. |
| dw.fair_lending | k_fair_lending | bigint | The row's ID number in the warehouse; tables join on it rather than on the published codes. |
| dw.fair_lending | k_period | integer | Year of the data (key of dw.period); the table is stored in one piece per year, so filtering on it reads only the years needed. |
| dw.fair_lending | k_lender | integer | Key of the lender (dw.lender) that reported the applications. |
| dw.fair_lending | k_geo_state | integer | Key of the property's state (dw.geo_state); empty when the record has none. |
| dw.fair_lending | k_geo_msa | integer | Key of the property's metro area as filed (dw.geo_msa); empty when the record has none. |
| dw.fair_lending | k_applicant_group | integer | Key of the applicant group (dw.applicant_group): All, Non-Hispanic White, Black, Hispanic or Asian; an applicant can count in two groups, such as Hispanic and Black. |
| dw.fair_lending | decided | integer | Core-market applications the lender decided: originated, approved but not accepted, or denied. |
| dw.fair_lending | denied | integer | Core-market applications denied. |
| dw.fair_lending | originated | integer | Core-market loans originated. |
| dw.fair_lending | rate_spread_sum | numeric | Total [rate spread](#term:rateSpread) (APR, annual percentage rate, minus the average prime offer rate, in percentage points) over originated loans that report one; divide by rate_spread_n for the average. Before 2018 a rate spread was reported only above set thresholds. |
| dw.fair_lending | rate_spread_n | integer | Originated loans that report a [rate spread](#term:rateSpread); the count behind rate_spread_sum. |
| dw.fair_lending | decided_majority_minority_tract | integer | Decided applications for properties in census tracts where minorities are more than half the population. |
| dw.fair_lending | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.fair_lending | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.fair_lending | problematic | boolean | True when a known data problem is still open for this row; dw.data_note explains it. |
| dw.fdic_branch | k_fdic_branch | integer | The row's ID number in the warehouse; tables join on it rather than on the published codes. |
| dw.fdic_branch | sod_year | smallint | Summary of Deposits year; figures as of June 30. |
| dw.fdic_branch | cert | integer | FDIC (Federal Deposit Insurance Corporation) certificate number of the institution. |
| dw.fdic_branch | branch_number | integer | Office number within the institution; 0 is usually the main office. |
| dw.fdic_branch | office_id | integer | The FDIC's unique office number, stable across years and acquisitions. |
| dw.fdic_branch | rssd | text | RSSD (the Federal Reserve's institution ID) of the institution that year; links to lender IDs in dw.lender_source_id. |
| dw.fdic_branch | holding_rssd | text | RSSD of the top holding company; empty when there is none. |
| dw.fdic_branch | institution_name | text | Full legal name of the institution that owns the office, that year. |
| dw.fdic_branch | branch_name | text | Name of the office as the FDIC lists it. |
| dw.fdic_branch | address | text | Street address of the office. |
| dw.fdic_branch | city | text | City of the office. |
| dw.fdic_branch | county_name | text | County name of the office as the FDIC published it. |
| dw.fdic_branch | state | character(2) | Two-letter state of the office. |
| dw.fdic_branch | zip | character(5) | Five-digit ZIP code of the office; empty when blank or zero. |
| dw.fdic_branch | county_fips | character(5) | 5-digit county FIPS (Federal Information Processing Standards) code of the office. |
| dw.fdic_branch | msa_code | text | Metro area code of the office as the FDIC published it that year; empty when none. |
| dw.fdic_branch | latitude | double precision | Latitude of the office, as geocoded by the FDIC (or the Census Geocoder). |
| dw.fdic_branch | longitude | double precision | Longitude of the office, as geocoded by the FDIC (or the Census Geocoder). |
| dw.fdic_branch | geocode_quality | text | Precision of the FDIC's coordinates, or CENSUS_GEOCODER when the coordinates come from the Census Bureau's address matcher. |
| dw.fdic_branch | tract_2020 | character(11) | 2020 census tract containing the office's location. |
| dw.fdic_branch | tract_method | text | How the tract was found: point_in_polygon; nearest_within_2km when the point fell just outside every tract (such as on a shoreline); census_geocoder when the FDIC gave no coordinates and the address was matched; empty otherwise. |
| dw.fdic_branch | established_dt | date | Date the office was established; empty when not given. |
| dw.fdic_branch | acquired_dt | date | Date the current institution acquired the office; empty when not acquired or not given. |
| dw.fdic_branch | deposits_000 | bigint | Deposits booked at this office on June 30, in thousands of dollars. |
| dw.fdic_branch | is_main_office | boolean | True for the institution's main (head) office. |
| dw.fdic_branch | service_type | smallint | FDIC service type code: 11-16 full service, 21-30 limited service. |
| dw.fdic_branch | service_type_desc | text | The service type in words, e.g. full service brick and mortar, or limited service such as drive-through, loan production or trust office. |
| dw.fdic_branch | k_source | integer | Key of the dw.source row recording the year's Summary of Deposits file. |
| dw.fdic_branch | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.fdic_branch | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.fdic_branch | problematic | boolean | True when a known data problem is still open for this row; dw.data_note explains it. |
| dw.fdic_history_event | k_fdic_history_event | integer | The row's ID number in the warehouse; tables join on it rather than on the published codes. |
| dw.fdic_history_event | event_id | text | The FDIC's (Federal Deposit Insurance Corporation) ID of the event; unique. |
| dw.fdic_history_event | transnum | bigint | FDIC transaction number; one transaction can carry several events, e.g. a merger appears as both the ceasing institution's and the acquirer's event. |
| dw.fdic_history_event | report_type | integer | FDIC report type; equal to change_code on every row as loaded. |
| dw.fdic_history_event | change_code | smallint | FDIC event code, e.g. 223 merger, 810 participated in a merger, 110 new institution, 510 name change. |
| dw.fdic_history_event | change_desc | text | The FDIC's description of the event code. |
| dw.fdic_history_event | event_class | text | Group of the event: merger (ceased by merging into another), acquirer (the other side of a merger), failure (including assisted mergers and conservatorship), conversion (charter, class, regulator or insurance change), new, closing or other. |
| dw.fdic_history_event | org_role | text | FDIC organisation role: FI (financial institution) on every row, as branch events are not loaded. |
| dw.fdic_history_event | effective_dt | date | Date the change took effect. |
| dw.fdic_history_event | process_dt | date | Date the FDIC processed the change. |
| dw.fdic_history_event | cert | integer | FDIC certificate number of the institution the event is about; empty on whole-institution failure events, where the failed bank is in out_cert. |
| dw.fdic_history_event | rssd | text | RSSD (the Federal Reserve's institution ID) of the institution, from the FDIC institutions file; empty when that file gives none. |
| dw.fdic_history_event | institution_name | text | Legal name of the institution. |
| dw.fdic_history_event | state | character(2) | Two-letter state of the institution's headquarters. |
| dw.fdic_history_event | class | text | FDIC charter class after the event, e.g. N national bank, SM state member bank, NM state nonmember bank, SB savings bank, SL state savings and loan. |
| dw.fdic_history_event | frm_class | text | FDIC charter class before the event. |
| dw.fdic_history_event | charter_agent | text | Chartering authority after the event: STATE, OCC (Office of the Comptroller of the Currency), OTS (Office of Thrift Supervision, until July 2011), NCUA (National Credit Union Administration) or a few others. |
| dw.fdic_history_event | frm_charter_agent | text | Chartering authority before the event. |
| dw.fdic_history_event | reg_agent | text | Primary federal regulator after the event: FDIC, OCC, FED (Federal Reserve), OTS, NCUA or STATE. |
| dw.fdic_history_event | frm_reg_agent | text | Primary federal regulator before the event. |
| dw.fdic_history_event | ins_agent | text | Deposit insurance fund after the event: DIF (Deposit Insurance Fund), BIF (Bank Insurance Fund), SAIF (Savings Association Insurance Fund), NCUA, NONE or a few others. |
| dw.fdic_history_event | frm_ins_agent | text | Deposit insurance fund before the event. |
| dw.fdic_history_event | frm_cert | integer | Previous FDIC certificate number; the same as cert unless the change issued a new certificate. |
| dw.fdic_history_event | frm_name | text | Legal name of the institution before the event. |
| dw.fdic_history_event | out_cert | integer | Merger or failure: FDIC certificate of the institution that ceased; empty for other events. |
| dw.fdic_history_event | out_rssd | text | RSSD of the institution that ceased; empty when none. |
| dw.fdic_history_event | out_name | text | Name of the institution that ceased. |
| dw.fdic_history_event | acq_cert | integer | Merger: FDIC certificate of the acquiring institution; empty when none is named. |
| dw.fdic_history_event | acq_rssd | text | RSSD of the acquiring institution; empty when none. |
| dw.fdic_history_event | acq_name | text | Name of the acquiring institution. |
| dw.fdic_history_event | sur_cert | integer | Merger: FDIC certificate of the surviving institution; empty when none is named. |
| dw.fdic_history_event | sur_rssd | text | RSSD of the surviving institution; empty when none. |
| dw.fdic_history_event | sur_name | text | Name of the surviving institution. |
| dw.fdic_history_event | sur_change_code | smallint | Event code the FDIC records for the surviving institution in the same transaction, e.g. 810 participated in a merger. |
| dw.fdic_history_event | sur_change_desc | text | The FDIC's description of the survivor's event code. |
| dw.fdic_history_event | bank_insured | text | Y when insured by the FDIC, N when not. |
| dw.fdic_history_event | flags | jsonb | The FDIC's yes/no event flags that are set, stored as JSON (a structured text format), such as kind of failure, assisted payout, unassisted merger, charter change, relocation or new charter; empty when none. |
| dw.fdic_history_event | note | text | Why the row is flagged: a merger naming no acquiring or surviving certificate, or a certificate missing from the FDIC institutions file (so no RSSD); empty when not flagged. |
| dw.fdic_history_event | k_source | integer | Key of the dw.source row recording the FDIC history file this row came from. |
| dw.fdic_history_event | problematic | boolean | True when a known data problem is still open for this row; note and dw.data_note explain it. |
| dw.fdic_history_event | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.fdic_history_event | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.fdic_institution | k_fdic_institution | integer | The record's ID number in the database. |
| dw.fdic_institution | cert | integer | FDIC (Federal Deposit Insurance Corporation) certificate number of the institution. |
| dw.fdic_institution | rssd | text | The Federal Reserve's institution ID (RSSD); matches the RSSD entries in dw.lender_source_id. |
| dw.fdic_institution | institution_name | text | Legal name of the institution, latest as the FDIC lists it. |
| dw.fdic_institution | address | text | Street address of the head office. |
| dw.fdic_institution | city | text | City of the head office. |
| dw.fdic_institution | state | character(2) | Two-letter state of the head office. |
| dw.fdic_institution | zip | character(5) | Five-digit ZIP code of the head office; empty when blank or zero in the source. |
| dw.fdic_institution | county_fips | character(5) | Five-digit county FIPS code (federal state + county number) of the head office; empty when not a valid code. |
| dw.fdic_institution | bank_class | text | FDIC charter class: N national bank, SM state member bank, NM state nonmember bank, SB savings bank, SL state savings and loan, SI insured savings institution, OI insured branch of a foreign bank. |
| dw.fdic_institution | charter_agent | text | Who granted the charter: a state, the OCC (Office of the Comptroller of the Currency) or the former OTS (Office of Thrift Supervision). |
| dw.fdic_institution | regulator | text | Primary federal regulator: FDIC, OCC (Office of the Comptroller of the Currency), OTS (Office of Thrift Supervision), the Federal Reserve, or a state. |
| dw.fdic_institution | active | boolean | True when the institution is open and insured as of the snapshot. |
| dw.fdic_institution | established_dt | date | Date the institution was established. |
| dw.fdic_institution | insured_dt | date | Date its deposits became FDIC-insured; empty when not given. |
| dw.fdic_institution | end_dt | date | Date the certificate ended; empty for institutions still active. |
| dw.fdic_institution | end_change_code | smallint | FDIC code for the event that ended the certificate, for example 223 for a merger. |
| dw.fdic_institution | successor_cert | integer | FDIC certificate of the institution that absorbed this one; 0 or empty when none. |
| dw.fdic_institution | assets_000 | bigint | Total assets in thousands of dollars, as of report_dt. |
| dw.fdic_institution | deposits_000 | bigint | Total deposits in thousands of dollars, as of report_dt. |
| dw.fdic_institution | report_dt | date | Date of the latest financial report the FDIC holds, the date of the assets and deposits figures. |
| dw.fdic_institution | holding_rssd | text | Federal Reserve ID (RSSD) of the top holding company; empty when none. |
| dw.fdic_institution | holding_name | text | Name of the top holding company; empty when none. |
| dw.fdic_institution | latitude | double precision | Latitude of the head office, as the FDIC geocodes it. |
| dw.fdic_institution | longitude | double precision | Longitude of the head office, as the FDIC geocodes it. |
| dw.fdic_institution | web_address | text | Web site of the institution; empty when none. |
| dw.fdic_institution | mdi_code | text | FDIC Minority Depository Institution status code; empty when the institution is not one. |
| dw.fdic_institution | ots_docket | integer | OTS (Office of Thrift Supervision) docket number, used as the HMDA (Home Mortgage Disclosure Act) filer ID of thrifts before 2012. |
| dw.fdic_institution | occ_charter | integer | OCC (Office of the Comptroller of the Currency) charter number, used as the HMDA (Home Mortgage Disclosure Act) filer ID of OCC-supervised banks; from the Federal Reserve's NIC (National Information Center) by RSSD. |
| dw.fdic_institution | k_source | integer | Points to the FDIC institution file this row came from (dw.source). |
| dw.fdic_institution | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.fdic_institution | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.fdic_institution | problematic | boolean | Known open problem on this row (see dw.data_note) |
| dw.fdic_institution_year | k_fdic_institution_year | integer | The record's ID number in the database. |
| dw.fdic_institution_year | sod_year | smallint | Summary of Deposits year; figures are as of June 30. |
| dw.fdic_institution_year | cert | integer | FDIC certificate number of the institution; with sod_year it identifies the row. |
| dw.fdic_institution_year | rssd | text | Federal Reserve institution ID (RSSD) that year; matches the RSSD entries in dw.lender_source_id. |
| dw.fdic_institution_year | institution_name | text | Full legal name of the institution that year. |
| dw.fdic_institution_year | state | character(2) | Two-letter state of the head office that year. |
| dw.fdic_institution_year | county_fips | character(5) | Five-digit county FIPS code (federal state + county number) of the head office that year; empty when not a valid code. |
| dw.fdic_institution_year | bank_class | text | FDIC charter class that year: N national bank, SM state member bank, NM state nonmember bank, SB savings bank, SL state savings and loan, SI insured savings institution, OI insured branch of a foreign bank. |
| dw.fdic_institution_year | holding_rssd | text | Federal Reserve ID (RSSD) of the top holding company that year; empty when none. |
| dw.fdic_institution_year | holding_name | text | Name of the top holding company that year; empty when none. |
| dw.fdic_institution_year | assets_000 | bigint | Total assets, thousands of dollars. |
| dw.fdic_institution_year | deposits_000 | bigint | Total deposits, thousands of dollars. |
| dw.fdic_institution_year | domestic_deposits_000 | bigint | Domestic deposits, thousands of dollars. |
| dw.fdic_institution_year | branch_deposits_000 | bigint | Deposits added up over the institution's offices, thousands of dollars; equals domestic deposits for nearly all institutions. |
| dw.fdic_institution_year | office_count | integer | Number of offices (main office and branches) listed that year. |
| dw.fdic_institution_year | full_service_office_count | integer | Number of full-service offices that year. |
| dw.fdic_institution_year | state_count | integer | Number of states where the institution had at least one office that year. |
| dw.fdic_institution_year | county_count | integer | Number of counties where the institution had at least one office that year. |
| dw.fdic_institution_year | k_source | integer | Points to the Summary of Deposits file of that year (dw.source). |
| dw.fdic_institution_year | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.fdic_institution_year | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.fdic_institution_year | problematic | boolean | true = a known problem is still open for this row; dw.data_note explains it |
| dw.fema_disaster_declaration | k_fema_disaster_declaration | integer | The record's ID number in the database. |
| dw.fema_disaster_declaration | id | uuid | OpenFEMA's unique ID for this record. |
| dw.fema_disaster_declaration | fema_declaration_string | text | FEMA's identifier of the declaration (type, disaster number and state, e.g. DR-4673-FL); repeats once per designated area. |
| dw.fema_disaster_declaration | disaster_number | integer | FEMA's sequential disaster number; its range shows the type (major disaster, fire management or emergency). |
| dw.fema_disaster_declaration | state | text | Two-letter postal code of the state, district or territory. |
| dw.fema_disaster_declaration | declaration_type | text | DR major disaster, EM emergency, or FM fire management assistance. |
| dw.fema_disaster_declaration | declaration_date | date | Date the disaster was declared. |
| dw.fema_disaster_declaration | fy_declared | smallint | Federal fiscal year in which the disaster was declared. |
| dw.fema_disaster_declaration | incident_type | text | Primary type of incident, e.g. Fire, Flood, Hurricane, Severe Storm. |
| dw.fema_disaster_declaration | declaration_title | text | FEMA's title for the disaster, e.g. BUNKER FIRE. |
| dw.fema_disaster_declaration | ih_program_declared | boolean | True when FEMA's Individuals and Households aid program was declared; read with ia_program_declared. |
| dw.fema_disaster_declaration | ia_program_declared | boolean | True when FEMA's Individual Assistance program was declared; read with ih_program_declared. |
| dw.fema_disaster_declaration | pa_program_declared | boolean | True when FEMA's Public Assistance program (aid for public infrastructure and emergency work) was declared. |
| dw.fema_disaster_declaration | hm_program_declared | boolean | True when FEMA's Hazard Mitigation program (grants to reduce future losses) was declared. |
| dw.fema_disaster_declaration | incident_begin_date | date | Date the incident began. |
| dw.fema_disaster_declaration | incident_end_date | date | Date the incident ended; empty when FEMA has not recorded an end. |
| dw.fema_disaster_declaration | disaster_closeout_date | date | Date all the disaster's program payments were completed; empty while it is still open. |
| dw.fema_disaster_declaration | tribal_request | boolean | True when a Tribal Nation requested the declaration directly, not through a state. |
| dw.fema_disaster_declaration | fips_state_code | character(2) | Two-digit state FIPS code (federal numeric state code). |
| dw.fema_disaster_declaration | fips_county_code | character(3) | Three-digit county FIPS code within the state; 000 when the whole state is designated. |
| dw.fema_disaster_declaration | county_fips | character(5) | Five-digit county FIPS code (state + county); empty for statewide designations. Use this to match counties. |
| dw.fema_disaster_declaration | place_code | text | FEMA's location code: 99 plus the county code, or a FEMA code for a designated place with no county code, such as a reservation. |
| dw.fema_disaster_declaration | designated_area | text | Name of the designated area, e.g. Ouachita (County). |
| dw.fema_disaster_declaration | declaration_request_number | text | Number of the request for the declaration. |
| dw.fema_disaster_declaration | declaration_request_date | date | Date the declaration was requested. |
| dw.fema_disaster_declaration | last_ia_filing_date | date | Last date to apply for Individual Assistance; only when it was approved, and only after 1998. |
| dw.fema_disaster_declaration | incident_id | text | FEMA's identifier of the incident (an event that may or may not become a declared disaster). |
| dw.fema_disaster_declaration | region | smallint | FEMA region (1-10) where the disaster occurred. |
| dw.fema_disaster_declaration | designated_incident_types | text | Codes of every incident type designated for the disaster, comma-separated (e.g. F flood, H hurricane, T tornado). |
| dw.fema_disaster_declaration | last_refresh | timestamp with time zone | When FEMA last updated this record. |
| dw.fema_disaster_declaration | hash | text | FEMA's fingerprint of the record; it changes when the record changes. |
| dw.fema_disaster_declaration | k_source | integer | Points to the OpenFEMA file this row came from (dw.source). |
| dw.fema_disaster_declaration | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.fema_disaster_declaration | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.fema_disaster_declaration | problematic | boolean | true = a known data problem is still open for this row; dw.data_note explains it. |
| dw.fema_file_manifest | k_fema_file_manifest | integer | ID number of the matching row in dw.augment_manifest. |
| dw.fema_file_manifest | file_name | text | Name of the FEMA file within the warehouse's data folder. |
| dw.fema_file_manifest | period_label | text | What the file covers: a state, or a state and year, of the flood-insurance files (e.g. NC_2012). |
| dw.fema_file_manifest | k_period | integer | Year the file covers (key of dw.period); empty when it covers no single year. |
| dw.fema_file_manifest | file_bytes | bigint | Size of the file in bytes. |
| dw.fema_file_manifest | sha256 | character(64) | Fingerprint of the file's contents; the file is reloaded only when it changes. |
| dw.fema_file_manifest | source_url | text | Web address the file was downloaded from. |
| dw.fema_file_manifest | publisher_dt | timestamp with time zone | The publisher's own release or refresh time for the file; empty when not given. |
| dw.fema_file_manifest | retrieved_dt | timestamp with time zone | When the file was downloaded. |
| dw.fema_file_manifest | loaded_dt | timestamp with time zone | When the warehouse loaded the file; empty when not loaded or set aside. |
| dw.fema_file_manifest | rows_loaded | bigint | Number of rows loaded from the file. |
| dw.fema_file_manifest | k_source | integer | Points to the load record in dw.source. |
| dw.fema_file_manifest | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.fema_file_manifest | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.fema_file_manifest | problematic | boolean | true = a known data problem is still open for this row; dw.data_note explains it. |
| dw.fema_file_manifest_retired | k_fema_file_manifest | integer | The record's ID number; its copy in dw.augment_manifest carries it as migrated_key. |
| dw.fema_file_manifest_retired | file_name | text | Name of the FEMA file within the warehouse's data folder. |
| dw.fema_file_manifest_retired | period_label | text | What the file covers: a state, or a state and year, of the flood-insurance files (e.g. NC_2012). |
| dw.fema_file_manifest_retired | k_period | integer | Year the file covers (key of dw.period); empty when it covers no single year. |
| dw.fema_file_manifest_retired | file_bytes | bigint | Size of the file in bytes. |
| dw.fema_file_manifest_retired | sha256 | character(64) | Fingerprint of the file's contents; the file was reloaded only when it changed. |
| dw.fema_file_manifest_retired | source_url | text | Web address the file was downloaded from. |
| dw.fema_file_manifest_retired | publisher_dt | timestamp with time zone | The publisher's own release or refresh time for the file; empty when not given. |
| dw.fema_file_manifest_retired | retrieved_dt | timestamp with time zone | When the file was downloaded. |
| dw.fema_file_manifest_retired | loaded_dt | timestamp with time zone | When the warehouse loaded the file. |
| dw.fema_file_manifest_retired | rows_loaded | bigint | Number of rows loaded from the file. |
| dw.fema_file_manifest_retired | k_source | integer | Points to the load record in dw.source. |
| dw.fema_file_manifest_retired | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.fema_file_manifest_retired | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.fema_file_manifest_retired | problematic | boolean | true = a known data problem is still open for this row; dw.data_note explains it. |
| dw.fema_nfip_claim | k_fema_nfip_claim | integer | The record's ID number in the database. |
| dw.fema_nfip_claim | id | bigint | OpenFEMA's unique ID for this claim. |
| dw.fema_nfip_claim | agriculture_structure_indicator | boolean | True when the building was reported as an agricultural structure. |
| dw.fema_nfip_claim | as_of_date | timestamp with time zone | When FEMA last created or updated the record; moves with each monthly release. |
| dw.fema_nfip_claim | basement_enclosure_crawlspace_type | smallint | Basement or crawlspace: 0 none, 1 finished basement, 2 unfinished basement, 3 crawlspace, 4 below-grade crawlspace. |
| dw.fema_nfip_claim | policy_count | smallint | Insured units covered by the policy: usually 1; a condominium association's master policy counts each unit. |
| dw.fema_nfip_claim | crs_class_code | smallint | Community Rating System class (1-10): better local floodplain management earns a lower class and a bigger premium discount. |
| dw.fema_nfip_claim | date_of_loss | date | Date water first entered the insured building. |
| dw.fema_nfip_claim | elevated_building_indicator | boolean | True when the building counts as elevated under flood-program rules (raised, no basement, anchored). |
| dw.fema_nfip_claim | elevation_certificate_indicator | text | Whether the policy was rated with an Elevation Certificate (a surveyed record of the building's height), or the building type used in rating; empty means not reported. |
| dw.fema_nfip_claim | elevation_difference | integer | Feet between the building's lowest rated floor and the base flood elevation; 9999 means not reported. |
| dw.fema_nfip_claim | base_flood_elevation | double precision | Base flood elevation in feet: the water level with a 1% chance of being reached in any year. |
| dw.fema_nfip_claim | rated_flood_zone | text | Flood zone on FEMA's flood map used to rate the policy: A and V zones are high-risk, B, C and X moderate or minimal, D undetermined. |
| dw.fema_nfip_claim | house_worship | boolean | True when the building was reported as a house of worship. |
| dw.fema_nfip_claim | location_of_contents | smallint | Where the insured contents are, from basement only to upper floors, coded 1-7. |
| dw.fema_nfip_claim | lowest_adjacent_grade | double precision | Lowest ground level next to the building, in feet relative to its lowest floor. |
| dw.fema_nfip_claim | lowest_floor_elevation | double precision | Elevation in feet of the floor used as the building's reference level for rating. |
| dw.fema_nfip_claim | number_of_floors_in_the_insured_building | smallint | Floors: 1, 2, 3 or more, split-level, manufactured home, or townhouse of three or more floors (coded 1-6). |
| dw.fema_nfip_claim | non_profit_indicator | boolean | True when the building was reported as belonging to a non-profit. |
| dw.fema_nfip_claim | obstruction_type | smallint | Obstructions below the lowest floor of an elevated building; 10 means none. |
| dw.fema_nfip_claim | occupancy_type | smallint | Use of the building: 1 single-family, 2 two to four units, 3 five or more units, 4 and 6 non-residential; codes 11-19 are the same groups under FEMA's Risk Rating 2.0 pricing (2021 onward). |
| dw.fema_nfip_claim | original_construction_date | date | Date the building was originally built. |
| dw.fema_nfip_claim | original_nbdate | date | Date the flood policy was first written. |
| dw.fema_nfip_claim | amount_paid_on_building_claim | double precision | Dollars paid on the building claim; can be negative where a check was re-issued. |
| dw.fema_nfip_claim | amount_paid_on_contents_claim | double precision | Dollars paid on the contents claim; can be negative where a check was re-issued. |
| dw.fema_nfip_claim | amount_paid_on_increased_cost_of_compliance_claim | double precision | Dollars paid under Increased Cost of Compliance coverage (up to $30,000 to elevate, floodproof, move or demolish as local rules require after a flood). |
| dw.fema_nfip_claim | post_firmconstruction_indicator | boolean | True when the building was built or substantially improved after the community's first flood map (or after 1974). |
| dw.fema_nfip_claim | rate_method | text | How the policy was rated, e.g. manual, Preferred Risk Policy, group policy, or RE for Risk Rating 2.0. |
| dw.fema_nfip_claim | small_business_indicator_building | boolean | True when the insured is a small business (fewer than 100 employees). |
| dw.fema_nfip_claim | total_building_insurance_coverage | integer | Building coverage of the policy, dollars. |
| dw.fema_nfip_claim | total_contents_insurance_coverage | integer | Contents coverage of the policy, dollars. |
| dw.fema_nfip_claim | year_of_loss | smallint | Year of the flood loss, 1978 onward. |
| dw.fema_nfip_claim | primary_residence_indicator | boolean | True when the building is the policyholder's primary residence. |
| dw.fema_nfip_claim | building_damage_amount | integer | Actual cash value of the damage to the main building, dollars. |
| dw.fema_nfip_claim | building_deductible_code | text | Building deductible, coded (e.g. 0 $500, 1 $1,000, 5 $5,000, A $10,000). |
| dw.fema_nfip_claim | net_building_payment_amount | double precision | Net dollars paid on the building after any recoveries. |
| dw.fema_nfip_claim | building_property_value | integer | Adjuster's estimate of the building's actual cash value before the flood, dollars. |
| dw.fema_nfip_claim | cause_of_damage | text | How the property was damaged, e.g. 1 tidal overflow, 2 river or lake overflow, 4 rainfall or snowmelt; a claim can carry more than one code. |
| dw.fema_nfip_claim | condominium_coverage_type_code | text | Condominium coverage: N not a condominium, U single unit, A association, H high-rise master policy, L low-rise master policy. |
| dw.fema_nfip_claim | contents_damage_amount | integer | Actual cash value of the damage to contents, dollars. |
| dw.fema_nfip_claim | contents_deductible_code | text | Contents deductible, coded (e.g. 0 $500, 1 $1,000, 5 $5,000, A $10,000). |
| dw.fema_nfip_claim | net_contents_payment_amount | double precision | Net dollars paid on contents after any recoveries. |
| dw.fema_nfip_claim | contents_property_value | integer | Adjuster's estimate of the contents' actual cash value before the flood, dollars. |
| dw.fema_nfip_claim | disaster_assistance_coverage_required | smallint | Federal agency that required flood insurance as a condition of disaster aid: 0 none, 1 SBA (Small Business Administration), 2 FEMA, 4 HHS (Health and Human Services), 5 other. |
| dw.fema_nfip_claim | event_designation_number | text | FEMA's identifier of a catastrophic flood event from June 2020 (state, event number and year, e.g. TX0220). |
| dw.fema_nfip_claim | fico_number | smallint | Number given to each affected state in a major flood event before June 2020; replaced by event_designation_number. |
| dw.fema_nfip_claim | flood_characteristics_indicator | smallint | Character of the flood water: 1 fast flow, 2 slow flow or ponding, 3 waves, 4 mudflow, 5 erosion. |
| dw.fema_nfip_claim | flood_water_duration | smallint | Hours the flood water stayed in the building. |
| dw.fema_nfip_claim | floodproofed_indicator | boolean | True when the building is floodproofed. |
| dw.fema_nfip_claim | flood_event | text | Name of the flood catastrophe the claim belongs to; empty when none was named. |
| dw.fema_nfip_claim | icc_coverage | integer | Increased Cost of Compliance coverage on the building, dollars. |
| dw.fema_nfip_claim | net_icc_payment_amount | double precision | Net Increased Cost of Compliance payment, dollars. |
| dw.fema_nfip_claim | nfip_rated_community_number | text | Flood-program community number used to rate the policy (state code plus FEMA community number). |
| dw.fema_nfip_claim | nfip_community_number_current | text | Flood-program community where the property is now, same format as nfip_rated_community_number. |
| dw.fema_nfip_claim | nfip_community_name | text | Name of the local government that enforces floodplain rules for the area, e.g. NOME, CITY OF. |
| dw.fema_nfip_claim | non_payment_reason_contents | text | Why the contents claim closed without payment, e.g. 01 below the deductible, 06 not an actual flood. |
| dw.fema_nfip_claim | non_payment_reason_building | text | Why the building claim closed without payment, e.g. 01 below the deductible, 06 not an actual flood. |
| dw.fema_nfip_claim | number_of_units | integer | Units covered by a condominium master policy; values over 1,000 are impossible and flagged problematic. |
| dw.fema_nfip_claim | building_replacement_cost | bigint | Insurer's estimate of the cost to rebuild the building, dollars; not market value and excludes land. |
| dw.fema_nfip_claim | contents_replacement_cost | integer | Insurer's estimate of the cost to replace the contents, dollars. |
| dw.fema_nfip_claim | replacement_cost_basis | text | How the building claim was settled: R replacement cost, A actual cash value. |
| dw.fema_nfip_claim | state_owned_indicator | boolean | True when the property is owned by the state. |
| dw.fema_nfip_claim | water_depth | smallint | Depth of flood water in inches (FEMA notes some were reported in feet). |
| dw.fema_nfip_claim | flood_zone_current | text | Flood zone of the property on the flood map now in force; same codes as rated_flood_zone. |
| dw.fema_nfip_claim | building_description_code | smallint | What the building is, e.g. 1 main house, 10 apartment building, 14 commercial building, 16 condominium unit, 18 manufactured home. |
| dw.fema_nfip_claim | rental_property_indicator | boolean | True when the property is rented out. |
| dw.fema_nfip_claim | state | text | Two-letter state of the property; UN means unknown. |
| dw.fema_nfip_claim | reported_city | text | City of the property; FEMA currently withholds it. |
| dw.fema_nfip_claim | reported_zip_code | text | Five-digit ZIP code of the property. |
| dw.fema_nfip_claim | county_code | text | County FIPS code (federal state + county number) as FEMA publishes it; may not be the county the property is in. Use county_fips. |
| dw.fema_nfip_claim | census_geoid | text | 12-digit census block group code of the property, as FEMA publishes it; read as 2010 census geography. |
| dw.fema_nfip_claim | latitude | double precision | Approximate latitude, rounded by FEMA to one decimal place for privacy. |
| dw.fema_nfip_claim | longitude | double precision | Approximate longitude, rounded by FEMA to one decimal place for privacy. |
| dw.fema_nfip_claim | foundation_type | text | Foundation: 1 slab, 2 basement, 3 crawlspace, 4-6 elevated on posts, piles or piers, with or without enclosure. |
| dw.fema_nfip_claim | open_date | date | Date the claim was opened. |
| dw.fema_nfip_claim | most_recent_recovery_date | date | Date of the latest recovery of an overpayment from the insured. |
| dw.fema_nfip_claim | exterior_water_depth | integer | Water depth in inches outside the main building, from exterior water marks. |
| dw.fema_nfip_claim | interior_water_depth | integer | Water depth in inches inside the main building, from interior water marks. |
| dw.fema_nfip_claim | most_recent_payment_date | date | Date of the latest claim payment. |
| dw.fema_nfip_claim | pre_firm_indicator | boolean | True when the building was built before the community's first flood map (or before 1975). |
| dw.fema_nfip_claim | total_salvage_recovery | double precision | Dollars recovered by selling or disposing of salvageable damaged property. |
| dw.fema_nfip_claim | total_bldg_claim_pmt_recovery | double precision | Dollars recovered from salvage of building materials after the building claim was paid. |
| dw.fema_nfip_claim | total_contents_claim_pmt_recovery | double precision | Dollars recovered from salvage of contents after the contents claim was paid. |
| dw.fema_nfip_claim | total_icc_claim_pmt_recovery | double precision | Dollars recovered from Increased Cost of Compliance payments made in error. |
| dw.fema_nfip_claim | total_subrogation_recovery | double precision | Dollars recovered from a third party responsible for the loss. |
| dw.fema_nfip_claim | county_fips | character(5) | Five-digit county FIPS code (federal state + county number): county_code when valid, else empty. Use this to match counties. |
| dw.fema_nfip_claim | tract_code | character(11) | 2010 census tract (11 digits) of the property, from census_geoid; empty when that is missing. |
| dw.fema_nfip_claim | k_source | integer | Points to the OpenFEMA claims file this row came from (dw.source). |
| dw.fema_nfip_claim | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.fema_nfip_claim | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.fema_nfip_claim | problematic | boolean | true = a known data problem is still open for this row; dw.data_note explains it. |
| dw.fema_nfip_policy_county_year | k_period | integer | Policy year as a key of dw.period (a warehouse number; policy_year gives the year). |
| dw.fema_nfip_policy_county_year | policy_year | smallint | Year the policy term took effect, 2009 onward. |
| dw.fema_nfip_policy_county_year | property_state | text | Two-letter state of the insured properties. |
| dw.fema_nfip_policy_county_year | county_fips | character(5) | Five-digit county FIPS code (federal state + county number); empty for policies FEMA could not place. |
| dw.fema_nfip_policy_county_year | occupancy_type | smallint | FEMA building-use code, as in dw.fema_nfip_claim (e.g. 1 and 11 single-family). |
| dw.fema_nfip_policy_county_year | policy_rows | numeric | Number of policy records (each a policy term). |
| dw.fema_nfip_policy_county_year | policies | numeric | Insured units; a condominium master policy counts each unit. |
| dw.fema_nfip_policy_county_year | primary_residence_rows | numeric | Policy records on the insured's primary residence. |
| dw.fema_nfip_policy_county_year | building_coverage | numeric | Total building coverage, dollars. |
| dw.fema_nfip_policy_county_year | contents_coverage | numeric | Total contents coverage, dollars. |
| dw.fema_nfip_policy_county_year | premium | numeric | Total premium, dollars, net of refunds. |
| dw.fema_nfip_policy_county_year | policy_cost | numeric | Total cost to policyholders, dollars: premium plus the reserve fund assessment, federal policy fee and the 2014 affordability-act surcharge. |
| dw.fema_nfip_policy_tract_year | k_fema_nfip_policy_tract_year | integer | The record's ID number in the database. |
| dw.fema_nfip_policy_tract_year | k_period | integer | Policy year as a key of dw.period (a warehouse number; policy_year gives the year). The table is stored in one piece per year, so filter on it. |
| dw.fema_nfip_policy_tract_year | policy_year | smallint | Year the policy term took effect, 2009 onward. |
| dw.fema_nfip_policy_tract_year | property_state | text | Two-letter state of the insured properties. |
| dw.fema_nfip_policy_tract_year | county_fips | character(5) | Five-digit county FIPS code (federal state + county number); empty for policies FEMA could not place. |
| dw.fema_nfip_policy_tract_year | tract_code | character(11) | Census tract (11 digits): 2010 tracts to 2021, 2020 tracts from 2022; empty for policies FEMA could not place. |
| dw.fema_nfip_policy_tract_year | occupancy_type | smallint | FEMA building-use code, as in dw.fema_nfip_claim (e.g. 1 and 11 single-family). |
| dw.fema_nfip_policy_tract_year | policy_rows | bigint | Number of policy records (each a policy term). |
| dw.fema_nfip_policy_tract_year | policies | bigint | Insured units; a condominium master policy counts each unit. |
| dw.fema_nfip_policy_tract_year | primary_residence_rows | bigint | Policy records on the insured's primary residence. |
| dw.fema_nfip_policy_tract_year | building_coverage | bigint | Total building coverage, dollars. |
| dw.fema_nfip_policy_tract_year | contents_coverage | bigint | Total contents coverage, dollars. |
| dw.fema_nfip_policy_tract_year | premium | bigint | Total premium, dollars, net of refunds. |
| dw.fema_nfip_policy_tract_year | policy_cost | bigint | Total cost to policyholders, dollars: premium plus the reserve fund assessment, federal policy fee and the 2014 affordability-act surcharge. |
| dw.fema_nfip_policy_tract_year | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.fema_nfip_policy_tract_year | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.fema_nfip_policy_tract_year | problematic | boolean | true = a known data problem is still open for this row; dw.data_note explains it. |
| dw.ffiec_distressed_tract | k_ffiec_distressed_tract | integer | The record's ID number in the database. |
| dw.ffiec_distressed_tract | list_year | smallint | Year of the list; published in June and in force for 12 months. |
| dw.ffiec_distressed_tract | tract_code | character(11) | 2020 census tract as listed. |
| dw.ffiec_distressed_tract | tract_code_2020 | character(11) | The same 2020 tract in the warehouse's codes (Connecticut planning-region codes mapped to tracts). |
| dw.ffiec_distressed_tract | county_fips | character(5) | Five-digit county FIPS code (federal state + county number) of the tract. |
| dw.ffiec_distressed_tract | county_state_text | text | County and state name as printed on the list. |
| dw.ffiec_distressed_tract | is_poverty | boolean | Distressed by poverty: county poverty rate 20% or more. |
| dw.ffiec_distressed_tract | is_unemployment | boolean | Distressed by unemployment: county rate at least 1.5 times the national rate. |
| dw.ffiec_distressed_tract | is_population_loss | boolean | Distressed by population loss: 10% or more over 10 years, or 5% or more over 5 years. |
| dw.ffiec_distressed_tract | is_remote_rural | boolean | Underserved: a remote, low-density rural county by the USDA's (U.S. Department of Agriculture) urban influence codes. |
| dw.ffiec_distressed_tract | prev_distressed | boolean | On the previous year's list as distressed. |
| dw.ffiec_distressed_tract | prev_underserved | boolean | On the previous year's list as underserved. |
| dw.ffiec_distressed_tract | is_distressed | boolean | Distressed this year (poverty, unemployment or population loss). |
| dw.ffiec_distressed_tract | is_underserved | boolean | Underserved this year (remote rural). |
| dw.ffiec_distressed_tract | is_lag_only | boolean | Listed only because of the one-year grace: designated last year but not this year. |
| dw.ffiec_distressed_tract | k_source | integer | Points to the Federal Reserve list this row came from (dw.source). |
| dw.ffiec_distressed_tract | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.ffiec_distressed_tract | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.ffiec_distressed_tract | problematic | boolean | true = a known problem is still open for this row; dw.data_note explains it |
| dw.ffiec_tract | k_ffiec_tract | integer | The record's ID number in the database. |
| dw.ffiec_tract | activity_year | smallint | The HMDA and CRA year the file is used for (the FFIEC publishes it mid-way through the year before). |
| dw.ffiec_tract | tract_code | character(11) | Census tract as the FFIEC publishes it; from 2024 Connecticut uses planning-region county codes; codes ending 999999 are county summary rows. |
| dw.ffiec_tract | tract_code_2020 | character(11) | The same 2020 tract in the warehouse's codes; empty for county summary rows and a few island and water tracts. |
| dw.ffiec_tract | county_fips | character(5) | Five-digit county FIPS code (federal state + county number) as the FFIEC publishes it; from 2024 Connecticut uses planning-region codes. |
| dw.ffiec_tract | is_county_summary | boolean | True for the summary row the FFIEC gives each small county as a whole. |
| dw.ffiec_tract | msa_md_code | character(5) | Five-digit code of the metropolitan statistical area or metropolitan division the tract is in; 99999 means outside any. |
| dw.ffiec_tract | msa_md_name | text | Name of that metropolitan area or division; empty outside any. |
| dw.ffiec_tract | ffiec_mfi | integer | FFIEC estimated median family income of the metro area (or the state's non-metro area) for the year, dollars. |
| dw.ffiec_tract | tract_mfi | integer | Median family income of the tract from the Census Bureau's American Community Survey, dollars. |
| dw.ffiec_tract | tract_to_msa_income_pct | numeric(7,2) | Tract median family income as a percentage of the area median family income; the ratio CRA income levels are set on. |
| dw.ffiec_tract | income_level | text | CRA tract income level: low under 50%, moderate 50 to under 80%, middle 80 to under 120%, upper 120% or more; unknown when the ratio is missing. |
| dw.ffiec_tract | is_lmi | boolean | True for a low- or moderate-income tract, where CRA examiners look first. |
| dw.ffiec_tract | population | integer | Tract population, per the FFIEC census file. |
| dw.ffiec_tract | minority_pct | numeric(6,2) | Minority share of the tract population, percent. |
| dw.ffiec_tract | owner_occupied_units | integer | Number of owner-occupied housing units in the tract. |
| dw.ffiec_tract | one_to_four_family_units | integer | Number of one- to four-family housing units in the tract. |
| dw.ffiec_tract | median_housing_age | smallint | Median age of the tract's housing units, years. |
| dw.ffiec_tract | small_county | boolean | True for a county of 30,000 or fewer people, where HMDA allows a loan to be reported without a tract. |
| dw.ffiec_tract | k_source | integer | Points to the FFIEC census file of the year this row came from (dw.source). |
| dw.ffiec_tract | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.ffiec_tract | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.ffiec_tract | problematic | boolean | true = a known problem is still open for this row; dw.data_note explains it |
| dw.fha_endorsement | k_fha_endorsement | bigint | The record's ID number in the database; HUD publishes no loan number, so this is the loan's only identity. |
| dw.fha_endorsement | endorsement_month | date | First day of the month FHA insured the loan; this follows closing by weeks or months, so it is not the HMDA (Home Mortgage Disclosure Act) action date. |
| dw.fha_endorsement | endorsement_year | smallint | Calendar year FHA insured the loan, 2010 onward. |
| dw.fha_endorsement | fha_fiscal_year | smallint | Federal fiscal year (October to September) of the insuring month, the year HUD reports FHA volumes by. |
| dw.fha_endorsement | property_state | character(2) | Two-letter state of the property. |
| dw.fha_endorsement | property_city | text | City of the property, as HUD published it. |
| dw.fha_endorsement | property_county | text | County name of the property as HUD published it; empty when the address did not geocode. |
| dw.fha_endorsement | county_fips | character(5) | Five-digit county FIPS code (federal state + county number), matched by the warehouse from HUD's county name or ZIP; empty when no unique match. |
| dw.fha_endorsement | zip | character(5) | Five-digit ZIP code of the property; ZIP codes are close to, but not the same as, census ZIP Code Tabulation Areas. |
| dw.fha_endorsement | originating_mortgagee | text | Name of the lender, or broker, that originated the loan. |
| dw.fha_endorsement | originating_mortgagee_number | text | HUD five-digit company number of the originating lender; empty when it has none of its own. |
| dw.fha_endorsement | sponsor_name | text | Name of the FHA-approved sponsor lender that underwrote the loan for a broker or other third-party originator; empty when none. |
| dw.fha_endorsement | sponsor_number | text | HUD five-digit company number of the sponsor lender; empty when none. |
| dw.fha_endorsement | fha_lender_number | text | HUD number of the FHA-approved lender that underwrote and funded the loan (the sponsor if any, else the originator), usually the HMDA reporter; links to dw.fha_lender. |
| dw.fha_endorsement | fha_lender_name | text | Name that goes with fha_lender_number on this row. |
| dw.fha_endorsement | down_payment_source | text | Where the down payment came from: Borrower, Relative, Gov Asst (government assistance), Non Profit or Employer; anything but Borrower means down-payment assistance. |
| dw.fha_endorsement | nonprofit_number | text | Tax ID of the non-profit that gave down-payment assistance; empty when none. |
| dw.fha_endorsement | product_type | text | Fixed Rate or Adjustable Rate. |
| dw.fha_endorsement | loan_purpose | text | Purpose as HUD published it: Purchase, refinance of an FHA loan, or refinance of a current or delinquent [conventional](#term:conventional) loan. |
| dw.fha_endorsement | purpose_group | text | Purpose grouped by the warehouse: purchase, refinance, or other. |
| dw.fha_endorsement | property_type | text | Property and product: Single Family, Condo, Rehabilitation (a 203(k) purchase-and-rehab loan), Manufactured Housing, or HOPE for Homeowners. |
| dw.fha_endorsement | interest_rate | numeric(7,4) | Note interest rate, percent a year (e.g. 6.1250). |
| dw.fha_endorsement | mortgage_amount | numeric(12,0) | Original insured amount of the mortgage, dollars; can include financed FHA insurance premium. |
| dw.fha_endorsement | source_sheet | text | Worksheet in HUD's monthly file the row came from. |
| dw.fha_endorsement | source_row | integer | Row number within that worksheet. |
| dw.fha_endorsement | k_source | integer | Points to the monthly snapshot file the loan came from (dw.source). |
| dw.fha_endorsement | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.fha_endorsement | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.fha_endorsement | problematic | boolean | Known open problem on this row (see dw.data_note) |
| dw.fha_endorsement | county_source | text | How county_fips was found: hud_name from HUD's county name, or zip when the ZIP lies in exactly one county. |
| dw.fha_file_manifest | k_fha_file_manifest | integer | ID number of the matching row in dw.augment_manifest. |
| dw.fha_file_manifest | file_name | text | Name of the file as HUD published it. |
| dw.fha_file_manifest | file_kind | text | snapshot = a monthly file of every FHA-insured loan; production_report = HUD's monthly production report of totals. |
| dw.fha_file_manifest | period | text | Month the file covers, as YYYY-MM. |
| dw.fha_file_manifest | period_start | date | First day of the month the file covers. |
| dw.fha_file_manifest | url | text | Web address HUD lists the file at. |
| dw.fha_file_manifest | file_bytes | bigint | Size of the file in bytes; empty when listed but not downloaded. |
| dw.fha_file_manifest | sha256 | text | Fingerprint of the file's contents; the file is reloaded only when it changes. Empty when not downloaded. |
| dw.fha_file_manifest | listed_at | timestamp with time zone | Last time HUD's web page listed the file. |
| dw.fha_file_manifest | downloaded_at | timestamp with time zone | When the file was downloaded. |
| dw.fha_file_manifest | loaded_at | timestamp with time zone | When the warehouse loaded the file; empty when not loaded or replaced by a later file for the same month. |
| dw.fha_file_manifest | rows_loaded | bigint | Number of rows loaded from the file. |
| dw.fha_file_manifest | k_source | integer | Points to the load record in dw.source. |
| dw.fha_file_manifest | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.fha_file_manifest | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.fha_file_manifest | problematic | boolean | true = a known data problem is still open for this row; dw.data_note explains it. |
| dw.fha_file_manifest_retired | k_fha_file_manifest | integer | The record's ID number; its copy in dw.augment_manifest carries it as migrated_key. |
| dw.fha_file_manifest_retired | file_name | text | Name of the file as HUD published it. |
| dw.fha_file_manifest_retired | file_kind | text | snapshot = a monthly file of every FHA-insured loan; production_report = HUD's monthly production report of totals. |
| dw.fha_file_manifest_retired | period | text | Month the file covers, as YYYY-MM. |
| dw.fha_file_manifest_retired | period_start | date | First day of the month the file covers. |
| dw.fha_file_manifest_retired | url | text | Web address HUD lists the file at. |
| dw.fha_file_manifest_retired | file_bytes | bigint | Size of the file in bytes; empty when listed but not downloaded. |
| dw.fha_file_manifest_retired | sha256 | text | Fingerprint of the file's contents; the file was reloaded only when it changed. Empty when not downloaded. |
| dw.fha_file_manifest_retired | listed_at | timestamp with time zone | Last time HUD's web page listed the file. |
| dw.fha_file_manifest_retired | downloaded_at | timestamp with time zone | When the file was downloaded. |
| dw.fha_file_manifest_retired | loaded_at | timestamp with time zone | When the warehouse loaded the file; empty when not loaded. |
| dw.fha_file_manifest_retired | rows_loaded | bigint | Number of rows loaded from the file. |
| dw.fha_file_manifest_retired | k_source | integer | Points to the load record in dw.source. |
| dw.fha_file_manifest_retired | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.fha_file_manifest_retired | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.fha_file_manifest_retired | problematic | boolean | Known open problem on this row (see dw.data_note) |
| dw.fha_lender | k_fha_lender | integer | The record's ID number in the database. |
| dw.fha_lender | snapshot_dt | date | Day HUD's Lender List was read; only lenders approved that day appear. |
| dw.fha_lender | fha_lender_number | character(5) | HUD five-digit lender number; matches dw.fha_endorsement.fha_lender_number. |
| dw.fha_lender | lender_name | text | Head office name as HUD lists it; other offices may use trade names. |
| dw.fha_lender | lender_type | text | FHA approval category: government, supervised (banks, thrifts, credit unions), or nonsupervised (non-bank mortgage companies). |
| dw.fha_lender | lender_type_code | character(2) | HUD's code for lender_type: 01 government, 02 supervised, 03 nonsupervised; empty when the lender's offices appear under more than one type. |
| dw.fha_lender | office_count | integer | Number of the lender's offices on the list. |
| dw.fha_lender | office_names | text[] | Every distinct office name (trade name) the lender's offices use, alphabetical. |
| dw.fha_lender | hq_mortgagee_id | character(10) | HUD ten-digit ID of the office taken as head office (lender number plus office number). |
| dw.fha_lender | hq_basis | text | How the head office was chosen: the office HUD numbers 00000, or else the office FHA approved first. |
| dw.fha_lender | hq_street | text | Street address of the head office. |
| dw.fha_lender | hq_city | text | City of the head office. |
| dw.fha_lender | hq_state | character(2) | Two-letter state of the head office. |
| dw.fha_lender | hq_zip | character(5) | Five-digit ZIP code of the head office. |
| dw.fha_lender | hq_county_name | text | County of the head office as HUD prints it; often blank. |
| dw.fha_lender | phone_raw | text | Head office phone number exactly as HUD lists it. |
| dw.fha_lender | phone_e164 | text | The phone number in standard +1 ten-digit form when it is a valid US number; empty otherwise. |
| dw.fha_lender | fax_raw | text | Head office fax number exactly as HUD lists it. |
| dw.fha_lender | first_approval_dt | date | Earliest FHA approval date of any of the lender's offices. |
| dw.fha_lender | hecm_past_12m | boolean | True when an office made a reverse mortgage (FHA's Home Equity Conversion Mortgage) in the past 12 months, per HUD. |
| dw.fha_lender | originates_203k_past_12m | boolean | True when an office made a 203(k) loan (FHA purchase or refinance plus rehabilitation) in the past 12 months, per HUD. |
| dw.fha_lender | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.fha_lender | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.fha_lender | problematic | boolean | True when a known data problem is open, here offices found under more than one lender type; dw.data_note explains it. |
| dw.fha_lender_office | k_fha_lender_office | integer | The record's ID number in the database. |
| dw.fha_lender_office | snapshot_dt | date | Day HUD's Lender List was read; only offices approved that day appear. |
| dw.fha_lender_office | mortgagee_id | character(10) | HUD ten-digit office ID: five-digit lender number then five-digit office number; empty when HUD does not show it. |
| dw.fha_lender_office | fha_lender_number | character(5) | HUD five-digit lender number; links to dw.fha_lender and dw.fha_endorsement. |
| dw.fha_lender_office | office_number | character(5) | The office's five-digit number within the lender; 00000 is taken as the head office. |
| dw.fha_lender_office | office_name | text | Name of the office; may be a trade name. |
| dw.fha_lender_office | street | text | Street address of the office. |
| dw.fha_lender_office | city | text | City of the office. |
| dw.fha_lender_office | state | character(2) | Two-letter state of the office. |
| dw.fha_lender_office | zip | character(5) | Five-digit ZIP code of the office. |
| dw.fha_lender_office | county_name | text | County of the office as HUD prints it; often blank. |
| dw.fha_lender_office | listed_state | character(2) | The state searched on HUD's list when this office was found. |
| dw.fha_lender_office | lender_type_code | character(2) | HUD lender-type code the office was found under: 01 government, 02 supervised, 03 nonsupervised. |
| dw.fha_lender_office | lender_type | text | FHA approval category: government (such as state housing finance agencies), supervised (banks, thrifts, credit unions), or nonsupervised (non-bank mortgage companies). |
| dw.fha_lender_office | approval_dt | date | Date FHA approved this office. |
| dw.fha_lender_office | hecm_past_12m | boolean | True when the office made a reverse mortgage (FHA's Home Equity Conversion Mortgage) in the past 12 months, per HUD. |
| dw.fha_lender_office | originates_203k_past_12m | boolean | True when the office made a 203(k) loan (FHA purchase or refinance plus rehabilitation) in the past 12 months, per HUD. |
| dw.fha_lender_office | phone_raw | text | Office phone number exactly as HUD lists it. |
| dw.fha_lender_office | phone_e164 | text | The phone number in standard +1 ten-digit form when it is a valid US number; empty otherwise. |
| dw.fha_lender_office | fax_raw | text | Office fax number exactly as HUD lists it. |
| dw.fha_lender_office | text | Office e-mail as HUD lists it; almost always blank. | |
| dw.fha_lender_office | areas_approved | integer | Number of HUD field-office regions the office is approved to lend in; 0 when none. |
| dw.fha_lender_office | fetched_at | timestamp with time zone | When the HUD results page listing this office was downloaded. |
| dw.fha_lender_office | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.fha_lender_office | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.fha_lender_office | problematic | boolean | True when a known data problem is open, here no office ID or an unreadable city or state; dw.data_note explains it. |
| dw.fha_published_endorsement | k_fha_published_endorsement | integer | The record's ID number in the database. |
| dw.fha_published_endorsement | report_month | date | First day of the month the report covers. |
| dw.fha_published_endorsement | endorsement_count | integer | Forward (not reverse) single-family FHA loans insured in the month, as HUD published it. |
| dw.fha_published_endorsement | endorsement_balance_mm | numeric(12,0) | Dollar amount of those loans, millions of dollars. |
| dw.fha_published_endorsement | source_document | text | File name of the HUD report the figures were read from. |
| dw.fha_published_endorsement | source_url | text | Web address HUD published the report at. |
| dw.fha_published_endorsement | source_locator | text | Where in the report the figures are (Table 1, Endorsements line). |
| dw.fha_published_endorsement | k_source | integer | Points to the report file in dw.source. |
| dw.fha_published_endorsement | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.fha_published_endorsement | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.fha_published_endorsement | problematic | boolean | Known open problem on this row (see dw.data_note) |
| dw.fhfa_hpi_county | k_fhfa_hpi_county | integer | The record's ID number in the database. |
| dw.fhfa_hpi_county | county_fips | character(5) | Five-digit county FIPS code (federal state + county number) as FHFA published it. |
| dw.fhfa_hpi_county | state_abbr | character(2) | Two-letter state abbreviation. |
| dw.fhfa_hpi_county | county_name | text | County name as FHFA printed it. |
| dw.fhfa_hpi_county | year | smallint | Calendar year of the index. |
| dw.fhfa_hpi_county | hpi | numeric | Index value; 100 in the first year FHFA reports the county. |
| dw.fhfa_hpi_county | annual_change_pct | numeric | Percent change from the previous year. |
| dw.fhfa_hpi_county | hpi_base1990 | numeric | Index rebased so 1990 = 100. |
| dw.fhfa_hpi_county | hpi_base2000 | numeric | Index rebased so 2000 = 100. |
| dw.fhfa_hpi_county | k_source | integer | Points to the FHFA index file this row came from (dw.source). |
| dw.fhfa_hpi_county | problematic | boolean | true = a known problem is still open for this row; dw.data_note explains it |
| dw.fhfa_hpi_county | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.fhfa_hpi_county | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.fhfa_hpi_tract | k_fhfa_hpi_tract | integer | The record's ID number in the database. |
| dw.fhfa_hpi_tract | tract_code | character(11) | 2020 census tract as FHFA published it (Connecticut on planning-region county codes). |
| dw.fhfa_hpi_tract | tract_code_2020 | character(11) | The same 2020 tract in the warehouse's codes (dw.census_tract); differs only in Connecticut. |
| dw.fhfa_hpi_tract | state_abbr | character(2) | Two-letter state abbreviation. |
| dw.fhfa_hpi_tract | year | smallint | Calendar year of the index. |
| dw.fhfa_hpi_tract | hpi | numeric | Index value; 100 in the first year FHFA reports the tract, so base years differ. Empty when too few sales that year. |
| dw.fhfa_hpi_tract | annual_change_pct | numeric | Percent change from the previous year. |
| dw.fhfa_hpi_tract | hpi_base1990 | numeric | Index rebased so 1990 = 100; empty when the tract has no 1990 value. |
| dw.fhfa_hpi_tract | hpi_base2000 | numeric | Index rebased so 2000 = 100; empty when the tract has no 2000 value. |
| dw.fhfa_hpi_tract | k_source | integer | Points to the FHFA index file this row came from (dw.source). |
| dw.fhfa_hpi_tract | problematic | boolean | true = a known problem is still open for this row; dw.data_note explains it |
| dw.fhfa_hpi_tract | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.fhfa_hpi_tract | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.fhfa_hpi_zip | k_fhfa_hpi_zip | integer | The record's ID number in the database. |
| dw.fhfa_hpi_zip | zip5 | character(5) | Five-digit ZIP code. |
| dw.fhfa_hpi_zip | year | smallint | Calendar year of the index. |
| dw.fhfa_hpi_zip | hpi | numeric | Index value; 100 in the first year FHFA reports the ZIP. Empty when too few sales that year. |
| dw.fhfa_hpi_zip | annual_change_pct | numeric | Percent change from the previous year. |
| dw.fhfa_hpi_zip | hpi_base1990 | numeric | Index rebased so 1990 = 100. |
| dw.fhfa_hpi_zip | hpi_base2000 | numeric | Index rebased so 2000 = 100. |
| dw.fhfa_hpi_zip | k_source | integer | Points to the FHFA index file this row came from (dw.source). |
| dw.fhfa_hpi_zip | problematic | boolean | true = a known problem is still open for this row; dw.data_note explains it |
| dw.fhfa_hpi_zip | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.fhfa_hpi_zip | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.fhfa_loan_limit | k_fhfa_loan_limit | integer | The record's ID number in the database. |
| dw.fhfa_loan_limit | limit_year | smallint | Year of origination the limit governs. |
| dw.fhfa_loan_limit | regime | text | Which law set the limit: baseline (national limit 1990-2008), esa2008, arra2009, pl111_88, pl111_242 (temporary high-cost limits of 2008-2011), or hera (the standing formula since late 2011). |
| dw.fhfa_loan_limit | is_primary | boolean | True for the one row per county and year to use for loans made that year. |
| dw.fhfa_loan_limit | county_fips | character(5) | Five-digit county FIPS code (federal state + county number). |
| dw.fhfa_loan_limit | state_abbr | character(2) | Two-letter state abbreviation. |
| dw.fhfa_loan_limit | county_name | text | County name. |
| dw.fhfa_loan_limit | cbsa_code | text | Core-based statistical area (metro or micro area) code printed beside the county; blank outside one. |
| dw.fhfa_loan_limit | limit_1unit | integer | Maximum original loan amount for a one-unit property, dollars. |
| dw.fhfa_loan_limit | limit_2unit | integer | Maximum original loan amount for a two-unit property, dollars. |
| dw.fhfa_loan_limit | limit_3unit | integer | Maximum original loan amount for a three-unit property, dollars. |
| dw.fhfa_loan_limit | limit_4unit | integer | Maximum original loan amount for a four-unit property, dollars. |
| dw.fhfa_loan_limit | k_source | integer | Points to the FHFA list or document this row came from (dw.source). |
| dw.fhfa_loan_limit | problematic | boolean | true = a known problem is still open for this row; dw.data_note explains it |
| dw.fhfa_loan_limit | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.fhfa_loan_limit | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.fhfa_loan_limit_national | limit_year | smallint | Year the limit governs, 1990-2026. |
| dw.fhfa_loan_limit_national | limit_1unit | integer | National conforming loan limit for a one-unit property, dollars (the baseline in the contiguous states and DC). |
| dw.fhfa_loan_limit_national | limit_2unit | integer | National limit for a two-unit property, dollars. |
| dw.fhfa_loan_limit_national | limit_3unit | integer | National limit for a three-unit property, dollars. |
| dw.fhfa_loan_limit_national | limit_4unit | integer | National limit for a four-unit property, dollars. |
| dw.fhfa_loan_limit_national | limit_1unit_ak_hi_gu_vi | integer | One-unit limit in Alaska, Hawaii, Guam and the Virgin Islands, 150% of the national limit, dollars; high-cost counties there may be higher. |
| dw.fhfa_mirs | k_fhfa_mirs | integer | The record's ID number in the database. |
| dw.fhfa_mirs | mirs_table | smallint | FHFA table number: 9-12 annual, 17-26 monthly. |
| dw.fhfa_mirs | series | text | Loan group: all homes, new homes or previously occupied, optionally split fixed or adjustable, or 30- and 15-year fixed non-jumbo. |
| dw.fhfa_mirs | frequency | character(1) | M monthly or A annual. |
| dw.fhfa_mirs | year | smallint | Calendar year of the figure. |
| dw.fhfa_mirs | month | smallint | Month 1-12 for monthly rows; empty for annual. |
| dw.fhfa_mirs | measure | text | What the value measures, e.g. contract_rate (%), fees_pct, effective_rate, term_years, loan_amount_k and price_k (thousands of dollars), ltv_pct (loan-to-price %), arm_share_pct. |
| dw.fhfa_mirs | value | numeric | The figure as published; FHFA notes the data are unweighted from 2012. |
| dw.fhfa_mirs | k_source | integer | Points to the FHFA table file this row came from (dw.source). |
| dw.fhfa_mirs | problematic | boolean | true = a known data problem is still open for this row; dw.data_note explains it. |
| dw.fhfa_mirs | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.fhfa_mirs | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.fhfa_pudb_tract | k_fhfa_pudb_tract | bigint | The record's ID number in the database. |
| dw.fhfa_pudb_tract | k_period | integer | Acquisition year as a key of dw.period; the table is stored in one piece per year, so filter on it. |
| dw.fhfa_pudb_tract | year | smallint | Year Fannie Mae or Freddie Mac bought the mortgage. |
| dw.fhfa_pudb_tract | census_vintage | smallint | Census whose tracts the year uses: 2000 (2008-2011), 2010 (2012-2021), 2020 (2022 on). |
| dw.fhfa_pudb_tract | enterprise | smallint | Buyer of the mortgage: 1 Fannie Mae, 2 Freddie Mac. |
| dw.fhfa_pudb_tract | record_num | integer | FHFA's sequential record number within the buyer and year; it does not link to other FHFA files. |
| dw.fhfa_pudb_tract | state_fips | character(2) | Two-digit state FIPS code (federal numeric state code) of the property; empty when missing. |
| dw.fhfa_pudb_tract | msa_code | character(5) | Five-digit metropolitan statistical area code of the property; 99999 non-metropolitan, 00000 missing. |
| dw.fhfa_pudb_tract | county_fips | character(5) | Five-digit county FIPS code (federal state + county number) of the property; empty when missing. Connecticut uses planning-region codes from 2024. |
| dw.fhfa_pudb_tract | tract_code | character(11) | Census tract (11 digits) of the property in that year's census geography; empty when FHFA publishes none. |
| dw.fhfa_pudb_tract | k_geo_tract | integer | Points to the tract in dw.geo_tract for that census; empty when there is no tract or it is not found. |
| dw.fhfa_pudb_tract | tract_minority_pct | numeric | Minority share of the tract population, percent; empty when not available. |
| dw.fhfa_pudb_tract | tract_median_income | bigint | Tract median family income, dollars; empty when not available. |
| dw.fhfa_pudb_tract | local_ami | bigint | Local area median income, dollars: the metro median family income, or outside metros the higher of the county and state non-metro median. |
| dw.fhfa_pudb_tract | tract_income_ratio | numeric | Tract median income divided by local_ami (1.75 = 175%), FHFA's test for low-income areas under the housing goals. |
| dw.fhfa_pudb_tract | borrower_income | bigint | Borrowers' annual income, dollars, rounded to the nearest $1,000; empty when not available. |
| dw.fhfa_pudb_tract | ami | bigint | Area median family income for the year, dollars, from HUD (Department of Housing and Urban Development) estimates. |
| dw.fhfa_pudb_tract | income_ratio | numeric | Borrower income divided by ami (0.5811 = 58.11%), the test for the income-based housing goals. |
| dw.fhfa_pudb_tract | upb_acq | bigint | UPB (unpaid principal balance) when Fannie Mae or Freddie Mac bought the loan, dollars; rounded to $1,000 to 2017, the midpoint of a $10,000 band from 2018. |
| dw.fhfa_pudb_tract | purpose | smallint | Loan purpose: 1 purchase, 2 refinance, 4 home improvement, 7 cash-out refinance (2018 on), 9 not available. |
| dw.fhfa_pudb_tract | fed_guarantee | smallint | Federal guarantee: 1 [conventional](#term:conventional) or other, 2 FHA (Federal Housing Administration), 3 VA (Department of Veterans Affairs), 4 USDA (Department of Agriculture) rural housing. |
| dw.fhfa_pudb_tract | borrower_count | smallint | Number of borrowers on the loan. |
| dw.fhfa_pudb_tract | first_time_buyer | smallint | First-time home buyer: 1 yes, 2 no, 9 not available. |
| dw.fhfa_pudb_tract | race1_borr | smallint | Borrower's first race: 1 American Indian or Alaska Native, 2 Asian, 3 Black, 4 Native Hawaiian or Pacific Islander, 5 White, 6 not provided, 7 not applicable, 9 not available. |
| dw.fhfa_pudb_tract | race2_borr | smallint | Borrower's second race, same codes as race1_borr. |
| dw.fhfa_pudb_tract | race3_borr | smallint | Borrower's third race, same codes as race1_borr. |
| dw.fhfa_pudb_tract | race4_borr | smallint | Borrower's fourth race, same codes as race1_borr. |
| dw.fhfa_pudb_tract | race5_borr | smallint | Borrower's fifth race, same codes as race1_borr. |
| dw.fhfa_pudb_tract | ethnicity_borr | smallint | Borrower's ethnicity: 1 Hispanic or Latino, 2 not Hispanic or Latino, 3 not provided, 4 not applicable, 9 not available. |
| dw.fhfa_pudb_tract | race1_coborr | smallint | Co-borrower's first race, codes as race1_borr, plus 8 no co-borrower. |
| dw.fhfa_pudb_tract | race2_coborr | smallint | Co-borrower's second race, same codes as race1_coborr. |
| dw.fhfa_pudb_tract | race3_coborr | smallint | Co-borrower's third race, same codes as race1_coborr. |
| dw.fhfa_pudb_tract | race4_coborr | smallint | Co-borrower's fourth race, same codes as race1_coborr. |
| dw.fhfa_pudb_tract | race5_coborr | smallint | Co-borrower's fifth race, same codes as race1_coborr. |
| dw.fhfa_pudb_tract | ethnicity_coborr | smallint | Co-borrower's ethnicity, codes as ethnicity_borr, plus 5 no co-borrower. |
| dw.fhfa_pudb_tract | sex_borr | smallint | Borrower's sex: 1 male, 2 female, 3 not provided, 4 not applicable, 9 not available. |
| dw.fhfa_pudb_tract | sex_coborr | smallint | Co-borrower's sex, codes as sex_borr, plus 5 no co-borrower (2018 on). |
| dw.fhfa_pudb_tract | age_borr | smallint | Borrower's age in years, 2008-2017 only; empty when not provided. |
| dw.fhfa_pudb_tract | age_coborr | smallint | Co-borrower's age in years, 2008-2017 only; empty when not provided. |
| dw.fhfa_pudb_tract | age_borr_cat | smallint | Borrower's age band from 2018: 1 under 25, 2 25-34, 3 35-44, 4 45-54, 5 55-64, 6 65-74, 7 over 74, 9 not provided. |
| dw.fhfa_pudb_tract | age_coborr_cat | smallint | Co-borrower's age band from 2018, codes as age_borr_cat; 9 not provided or no co-borrower. |
| dw.fhfa_pudb_tract | age62_borr | smallint | Borrower aged 62 or older, 2018 on: 1 yes, 0 no, 9 missing. |
| dw.fhfa_pudb_tract | age62_coborr | smallint | Co-borrower aged 62 or older, 2018 on: 1 yes, 0 no, 9 missing. |
| dw.fhfa_pudb_tract | occupancy | smallint | Occupancy: to 2017 1 owner-occupied, 2 investment; from 2018 1 principal residence, 2 second home, 3 investment; 9 not available. |
| dw.fhfa_pudb_tract | underserved_area | smallint | In a HUD-defined underserved area, 2008-2009 only: 1 yes, 2 no, 9 not applicable. |
| dw.fhfa_pudb_tract | rate_spread | numeric | [Rate spread](#term:rateSpread) in percentage points: the APR (annual percentage rate) minus the average prime offer rate (a Treasury yield in 2008); 0 when not applicable or below the reporting threshold. |
| dw.fhfa_pudb_tract | hoepa | smallint | High-cost loan under HOEPA (Home Ownership and Equity Protection Act): 1 yes, 2 no, 9 not available. |
| dw.fhfa_pudb_tract | property_type | smallint | Property type: 1 one-to-four-family (not manufactured), 2 manufactured housing, 9 unknown. |
| dw.fhfa_pudb_tract | lien_status | smallint | Lien: 1 first, 2 subordinate, 3 not secured by a lien, 4 not applicable. |
| dw.fhfa_pudb_tract | ltv | numeric | Loan-to-value ratio at origination, percent (combined across liens where available); 2018 on. |
| dw.fhfa_pudb_tract | same_year_acq | smallint | When the loan was made, 2018 on: 1 in the acquisition year, 2 an earlier year, 9 missing. |
| dw.fhfa_pudb_tract | term_orig | smallint | Loan term at origination, months; 2018 on. |
| dw.fhfa_pudb_tract | units | smallint | Number of housing units in the property, 1-4; 2018 on. |
| dw.fhfa_pudb_tract | rate_orig | numeric | Note interest rate at origination, percent; 2018 on. |
| dw.fhfa_pudb_tract | note_amount | bigint | Loan amount at origination, dollars, the midpoint of its $10,000 band; 2018 on. |
| dw.fhfa_pudb_tract | preapproval | smallint | Preapproval, 2018 on: 1 requested, 2 not requested, 9 unknown. |
| dw.fhfa_pudb_tract | channel | smallint | How the loan came in, 2018 on: 1 retail, 2 broker, 3 other, 9 unknown. |
| dw.fhfa_pudb_tract | aus | smallint | Automated underwriting system, 2018 on: 1 Desktop Underwriter, 2 Loan Product Advisor, 3 TOTAL Scorecard, 4 Guaranteed Underwriting System, 5 other, 6 none, 9 unknown. |
| dw.fhfa_pudb_tract | score_model_borr | smallint | Credit score model used for the borrower, 2018 on (e.g. Equifax Beacon, FICO Classic, VantageScore versions); 99 unknown. |
| dw.fhfa_pudb_tract | score_model_coborr | smallint | Credit score model used for the co-borrower, codes as score_model_borr, plus 10 no co-borrower. |
| dw.fhfa_pudb_tract | dti_cat | smallint | Debt-to-income ratio, 2018 on: 10 under 20%, 20 20-30%, 30 30-36%, the actual value for 36-49%, 50 50-60%, 60 over 60%, 99 not available. |
| dw.fhfa_pudb_tract | points | bigint | Discount points paid, dollars; 2018 on. |
| dw.fhfa_pudb_tract | intro_rate_period | smallint | How long the initial fixed rate of an adjustable-rate loan lasts, months; 2018 on. |
| dw.fhfa_pudb_tract | mh_land_interest | smallint | Manufactured home: borrower's interest in the land, 2018 on: 1 owns directly, 2 owns indirectly, 3 leasehold or ground rent, 5 not applicable, 9 unknown. |
| dw.fhfa_pudb_tract | property_value | bigint | Property value, dollars, the midpoint of its $10,000 band; 2018 on. |
| dw.fhfa_pudb_tract | tract_rural | smallint | In a rural tract under FHFA's Duty to Serve rule, 2018 on: 1 yes, 0 no. |
| dw.fhfa_pudb_tract | county_lower_ms_delta | smallint | In a Lower Mississippi Delta county under FHFA's Duty to Serve rule, 2018 on: 1 yes, 0 no. |
| dw.fhfa_pudb_tract | county_mid_appalachia | smallint | In a Middle Appalachia county under FHFA's Duty to Serve rule, 2018 on: 1 yes, 0 no. |
| dw.fhfa_pudb_tract | county_persistent_poverty | smallint | In a persistent-poverty county under FHFA's Duty to Serve rule, 2018 on: 1 yes, 0 no. |
| dw.fhfa_pudb_tract | area_concentrated_poverty | smallint | In an area of concentrated poverty under FHFA's Duty to Serve rule, 2018 on: 1 yes, 0 no. |
| dw.fhfa_pudb_tract | area_high_opportunity | smallint | In a high-opportunity area under FHFA's Duty to Serve rule, 2018 on: 1 yes, 0 no. |
| dw.fhfa_pudb_tract | opportunity_zone | smallint | In a Qualified Opportunity Zone tract, 2018-2021 only: 1 yes, 0 no. |
| dw.fhfa_pudb_tract | tract_colonias | smallint | In a colonias tract under FHFA's Duty to Serve rule, 2023 on: 1 yes, 0 no. |
| dw.fhfa_pudb_tract | note | text | Says when the tract was not found in dw.geo_tract; empty otherwise. |
| dw.fhfa_pudb_tract | k_source | integer | Points to the FHFA file this row came from (dw.source). |
| dw.fhfa_pudb_tract | problematic | boolean | True when a known data problem is open, here a tract not found in dw.geo_tract; dw.data_note explains it. |
| dw.fhfa_pudb_tract | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.fhfa_pudb_tract | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.fhfa_pudb_tract_year | k_fhfa_pudb_tract_year | integer | The record's ID number in the database. |
| dw.fhfa_pudb_tract_year | year | smallint | Year Fannie Mae or Freddie Mac bought the mortgages. |
| dw.fhfa_pudb_tract_year | census_vintage | smallint | Census whose tracts the year uses: 2000 (2008-2011), 2010 (2012-2021), 2020 (2022 on). |
| dw.fhfa_pudb_tract_year | tract_code | character(11) | Census tract (11 digits) in that census geography; empty for loans published without a tract, so totals add up. |
| dw.fhfa_pudb_tract_year | k_geo_tract | integer | Points to the tract in dw.geo_tract; empty when there is no tract or it is not found. |
| dw.fhfa_pudb_tract_year | enterprise | smallint | 0 both together, 1 Fannie Mae, 2 Freddie Mac. |
| dw.fhfa_pudb_tract_year | n_loans | integer | Number of single-family mortgages bought in the tract. |
| dw.fhfa_pudb_tract_year | low_count | boolean | True when fewer than 5 loans, so a reader can leave the row out. |
| dw.fhfa_pudb_tract_year | ltv_n | integer | Number of loans with a loan-to-value ratio; 0 before 2018. |
| dw.fhfa_pudb_tract_year | ltv_mean | numeric | Average loan-to-value ratio at origination, percent. |
| dw.fhfa_pudb_tract_year | ltv_sd | numeric | Standard deviation of loan-to-value, percentage points; empty with fewer than 2 loans. |
| dw.fhfa_pudb_tract_year | ltv_min | numeric | Lowest loan-to-value, percent. |
| dw.fhfa_pudb_tract_year | ltv_p25 | numeric | 25th percentile of loan-to-value, percent. |
| dw.fhfa_pudb_tract_year | ltv_median | numeric | Median loan-to-value, percent. |
| dw.fhfa_pudb_tract_year | ltv_p75 | numeric | 75th percentile of loan-to-value, percent. |
| dw.fhfa_pudb_tract_year | ltv_max | numeric | Highest loan-to-value, percent. |
| dw.fhfa_pudb_tract_year | rate_n | integer | Number of loans with a note rate; 0 before 2018. |
| dw.fhfa_pudb_tract_year | rate_mean | numeric | Average note rate at origination, percent. |
| dw.fhfa_pudb_tract_year | rate_sd | numeric | Standard deviation of the note rate, percentage points; empty with fewer than 2 loans. |
| dw.fhfa_pudb_tract_year | rate_min | numeric | Lowest note rate, percent. |
| dw.fhfa_pudb_tract_year | rate_p25 | numeric | 25th percentile of the note rate, percent. |
| dw.fhfa_pudb_tract_year | rate_median | numeric | Median note rate, percent. |
| dw.fhfa_pudb_tract_year | rate_p75 | numeric | 75th percentile of the note rate, percent. |
| dw.fhfa_pudb_tract_year | rate_max | numeric | Highest note rate, percent. |
| dw.fhfa_pudb_tract_year | note_amount_n | integer | Number of loans with a loan amount; 0 before 2018. |
| dw.fhfa_pudb_tract_year | note_amount_mean | numeric | Average loan amount at origination, dollars (each loan at the midpoint of its $10,000 band). |
| dw.fhfa_pudb_tract_year | note_amount_sd | numeric | Standard deviation of the loan amount, dollars; empty with fewer than 2 loans. |
| dw.fhfa_pudb_tract_year | note_amount_min | numeric | Smallest loan amount, dollars. |
| dw.fhfa_pudb_tract_year | note_amount_p25 | numeric | 25th percentile of the loan amount, dollars. |
| dw.fhfa_pudb_tract_year | note_amount_median | numeric | Median loan amount, dollars. |
| dw.fhfa_pudb_tract_year | note_amount_p75 | numeric | 75th percentile of the loan amount, dollars. |
| dw.fhfa_pudb_tract_year | note_amount_max | numeric | Largest loan amount, dollars. |
| dw.fhfa_pudb_tract_year | upb_acq_n | integer | Number of loans with an unpaid principal balance at purchase (every year). |
| dw.fhfa_pudb_tract_year | upb_acq_mean | numeric | Average unpaid principal balance at purchase, dollars. |
| dw.fhfa_pudb_tract_year | upb_acq_sd | numeric | Standard deviation of that balance, dollars; empty with fewer than 2 loans. |
| dw.fhfa_pudb_tract_year | upb_acq_min | numeric | Smallest unpaid principal balance at purchase, dollars. |
| dw.fhfa_pudb_tract_year | upb_acq_p25 | numeric | 25th percentile of unpaid principal balance at purchase, dollars. |
| dw.fhfa_pudb_tract_year | upb_acq_median | numeric | Median unpaid principal balance at purchase, dollars. |
| dw.fhfa_pudb_tract_year | upb_acq_p75 | numeric | 75th percentile of unpaid principal balance at purchase, dollars. |
| dw.fhfa_pudb_tract_year | upb_acq_max | numeric | Largest unpaid principal balance at purchase, dollars. |
| dw.fhfa_pudb_tract_year | fthb_n | integer | Number of loans whose first-time-buyer status is known. |
| dw.fhfa_pudb_tract_year | fthb_share | numeric | Share (0-1) of those loans made to first-time home buyers. |
| dw.fhfa_pudb_tract_year | purpose_n | integer | Number of loans whose purpose is known. |
| dw.fhfa_pudb_tract_year | purchase_share | numeric | Share (0-1) of those loans that are home purchases. |
| dw.fhfa_pudb_tract_year | refi_share | numeric | Share (0-1) of those loans that are refinances, cash-out included. |
| dw.fhfa_pudb_tract_year | cashout_refi_share | numeric | Share (0-1) of those loans that are cash-out refinances; 2018 on. |
| dw.fhfa_pudb_tract_year | note | text | Free-text note on the row; currently always empty. |
| dw.fhfa_pudb_tract_year | problematic | boolean | true = a known data problem is still open for this row; dw.data_note explains it. |
| dw.fhfa_pudb_tract_year | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.fhfa_pudb_tract_year | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.fhfa_uad_area | k_fhfa_uad_area | integer | The record's ID number in the database. |
| dw.fhfa_uad_area | appraisal_source | text | Which appraisals: Enterprise Single Family, those sent to Fannie Mae and Freddie Mac. |
| dw.fhfa_uad_area | geo_level | text | National, State or Metro Area. |
| dw.fhfa_uad_area | geo_code | text | US, a state postal code, or a metro area or metropolitan division code matching dw.geo_msa.msa_md_code. |
| dw.fhfa_uad_area | year | smallint | Year of the appraisals, 2013-2023. |
| dw.fhfa_uad_area | purpose | text | Loan purpose: Purchase, Refinance or Both. |
| dw.fhfa_uad_area | characteristic | text | House characteristic the row breaks down by, e.g. Finished Area Above Grade, Lot Size; No Characteristic means all appraisals. |
| dw.fhfa_uad_area | category | text | Band of that characteristic, e.g. 1,500 to 1,699 sq. ft. |
| dw.fhfa_uad_area | appraisal_count | integer | Number of appraisals in this band. |
| dw.fhfa_uad_area | median_value | integer | Median appraised value, dollars. |
| dw.fhfa_uad_area | p25_value | integer | 25th percentile of appraised value, dollars. |
| dw.fhfa_uad_area | p75_value | integer | 75th percentile of appraised value, dollars. |
| dw.fhfa_uad_area | mean_value | integer | Average appraised value, dollars. |
| dw.fhfa_uad_area | mean_ratio_contract_to_appraised | numeric | Average of contract price divided by appraised value, purchases only. |
| dw.fhfa_uad_area | mean_ratio_appraised_to_contract | numeric | Average of appraised value divided by contract price, purchases only. |
| dw.fhfa_uad_area | share_below_contract | numeric | Share (0-1) of purchase appraisals below the contract price. |
| dw.fhfa_uad_area | share_equal_contract | numeric | Share (0-1) of purchase appraisals equal to the contract price. |
| dw.fhfa_uad_area | share_above_contract | numeric | Share (0-1) of purchase appraisals above the contract price. |
| dw.fhfa_uad_area | mean_comp_distance_mi | numeric | Average distance from the house to its comparable sales, miles. |
| dw.fhfa_uad_area | mean_share_comps_same_tract | numeric | Average share (0-1) of comparable sales in the house's census tract. |
| dw.fhfa_uad_area | mean_comp_range_pct | numeric | Where the appraised value sits within the range of adjusted comparable prices, as a fraction of that range. |
| dw.fhfa_uad_area | mean_comp_range_pct_settled | numeric | The same, using settled sales only. |
| dw.fhfa_uad_area | mean_net_adjustment_pct | numeric | Average net adjustment to comparables as a fraction of their price. |
| dw.fhfa_uad_area | n_suppressed | smallint | Number of figures withheld on this row (fewer than 11 appraisals); those columns are empty. |
| dw.fhfa_uad_area | k_source | integer | Points to the appraisal statistics file this row came from (dw.source). |
| dw.fhfa_uad_area | problematic | boolean | true = a known problem is still open for this row; dw.data_note explains it |
| dw.fhfa_uad_area | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.fhfa_uad_area | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.fhfa_uad_county | k_fhfa_uad_county | integer | The record's ID number in the database. |
| dw.fhfa_uad_county | appraisal_source | text | Enterprise Single Family (Fannie Mae and Freddie Mac) or FHA Single Family. |
| dw.fhfa_uad_county | county_fips | character(5) | Five-digit county FIPS code (federal state + county number) as published. |
| dw.fhfa_uad_county | year | smallint | Year of the appraisals: 2013-2023 for Fannie Mae and Freddie Mac, 2017-2023 for FHA. |
| dw.fhfa_uad_county | purpose | text | Loan purpose: Purchase, Refinance or Both. |
| dw.fhfa_uad_county | appraisal_count | integer | Number of appraisals. |
| dw.fhfa_uad_county | median_value | integer | Median appraised value, dollars, rounded to $100. |
| dw.fhfa_uad_county | p25_value | integer | 25th percentile of appraised value, dollars. |
| dw.fhfa_uad_county | p75_value | integer | 75th percentile of appraised value, dollars. |
| dw.fhfa_uad_county | mean_value | integer | Average appraised value, dollars. |
| dw.fhfa_uad_county | mean_ratio_contract_to_appraised | numeric | Average of contract price divided by appraised value, purchases only. |
| dw.fhfa_uad_county | mean_ratio_appraised_to_contract | numeric | Average of appraised value divided by contract price, purchases only. |
| dw.fhfa_uad_county | share_below_contract | numeric | Share (0-1) of purchase appraisals below the contract price. |
| dw.fhfa_uad_county | share_equal_contract | numeric | Share (0-1) of purchase appraisals equal to the contract price. |
| dw.fhfa_uad_county | share_above_contract | numeric | Share (0-1) of purchase appraisals above the contract price. |
| dw.fhfa_uad_county | mean_comp_distance_mi | numeric | Average distance from the house to its comparable sales, miles. |
| dw.fhfa_uad_county | mean_share_comps_same_tract | numeric | Average share (0-1) of comparable sales in the house's census tract. |
| dw.fhfa_uad_county | mean_comp_range_pct | numeric | Where the appraised value sits within the range of adjusted comparable prices, as a fraction of that range. |
| dw.fhfa_uad_county | mean_comp_range_pct_settled | numeric | The same, using settled sales only. |
| dw.fhfa_uad_county | mean_net_adjustment_pct | numeric | Average net adjustment to comparables as a fraction of their price. |
| dw.fhfa_uad_county | n_suppressed | smallint | Number of figures withheld on this row (fewer than 11 appraisals); those columns are empty. |
| dw.fhfa_uad_county | k_source | integer | Points to the appraisal statistics file this row came from (dw.source). |
| dw.fhfa_uad_county | problematic | boolean | true = a known problem is still open for this row; dw.data_note explains it |
| dw.fhfa_uad_county | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.fhfa_uad_county | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.fhfa_uad_size | appraisal_source | text | Which appraisals: Enterprise Single Family, those sent to Fannie Mae and Freddie Mac. |
| dw.fhfa_uad_size | geo_level | text | National, State or Metro Area. |
| dw.fhfa_uad_size | geo_code | text | US, a state postal code, or a metro area or metropolitan division code, as in dw.fhfa_uad_area. |
| dw.fhfa_uad_size | year | smallint | Year of the appraisals, 2013-2023. |
| dw.fhfa_uad_size | purpose | text | Loan purpose: Purchase, Refinance or Both. |
| dw.fhfa_uad_size | gla_count | bigint | Appraisals with a known finished living area above grade, the base of the size shares. |
| dw.fhfa_uad_size | median_gla_sqft_est | numeric | Estimated median finished living area above grade, square feet; empty when the median falls in the open-ended top band. |
| dw.fhfa_uad_size | median_gla_bin | integer | Size band holding the median: 1 under 1,200 sq ft up to 7 for 3,000 sq ft or more. |
| dw.fhfa_uad_size | share_gla_lt_1200 | numeric | Share (0-1) of those appraisals under 1,200 sq ft of living area. |
| dw.fhfa_uad_size | share_gla_2500_plus | numeric | Share (0-1) of those appraisals with 2,500 sq ft or more of living area. |
| dw.fhfa_uad_size | lot_count | bigint | Appraisals with a known lot size, the base of the lot shares. |
| dw.fhfa_uad_size | share_lot_lt_quarter_acre | numeric | Share (0-1) of those appraisals on a lot under a quarter acre. |
| dw.fhfa_uad_size | share_lot_1acre_plus | numeric | Share (0-1) of those appraisals on a lot of one acre or more. |
| dw.fhfa_uad_tract | k_fhfa_uad_tract | integer | The record's ID number in the database. |
| dw.fhfa_uad_tract | tract_code | character(11) | 2020 census tract as published; a few Connecticut rows carry only the county and are flagged problematic. |
| dw.fhfa_uad_tract | tract_code_2020 | character(11) | The same 2020 tract in the warehouse's codes (dw.census_tract). |
| dw.fhfa_uad_tract | year | smallint | Year of the appraisals, 2013-2023. |
| dw.fhfa_uad_tract | purpose | text | Loan purpose: Purchase, Refinance or Both. |
| dw.fhfa_uad_tract | appraisal_count | integer | Number of appraisals. |
| dw.fhfa_uad_tract | median_value | integer | Median appraised value, dollars, rounded to $100. |
| dw.fhfa_uad_tract | p25_value | integer | 25th percentile of appraised value, dollars. |
| dw.fhfa_uad_tract | p75_value | integer | 75th percentile of appraised value, dollars. |
| dw.fhfa_uad_tract | mean_value | integer | Average appraised value, dollars. |
| dw.fhfa_uad_tract | mean_ratio_contract_to_appraised | numeric | Average of contract price divided by appraised value, purchases only. |
| dw.fhfa_uad_tract | mean_ratio_appraised_to_contract | numeric | Average of appraised value divided by contract price, purchases only. |
| dw.fhfa_uad_tract | share_below_contract | numeric | Share of purchase appraisals below the contract price. |
| dw.fhfa_uad_tract | share_equal_contract | numeric | Share of purchase appraisals equal to the contract price. |
| dw.fhfa_uad_tract | share_above_contract | numeric | Share of purchase appraisals above the contract price. |
| dw.fhfa_uad_tract | mean_comp_distance_mi | numeric | Average distance from the house to its comparable sales, miles. |
| dw.fhfa_uad_tract | mean_share_comps_same_tract | numeric | Average share of comparable sales in the same tract. |
| dw.fhfa_uad_tract | mean_comp_range_pct | numeric | Where the appraised value sits within the range of adjusted comparable prices. |
| dw.fhfa_uad_tract | mean_comp_range_pct_settled | numeric | The same, using settled sales only. |
| dw.fhfa_uad_tract | mean_net_adjustment_pct | numeric | Average net adjustment to comparables as a fraction of their price. |
| dw.fhfa_uad_tract | n_suppressed | smallint | Number of figures withheld on this row (fewer than 11 appraisals). |
| dw.fhfa_uad_tract | k_source | integer | Points to the appraisal statistics file this row came from (dw.source). |
| dw.fhfa_uad_tract | problematic | boolean | true = a known problem is still open for this row; dw.data_note explains it |
| dw.fhfa_uad_tract | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.fhfa_uad_tract | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.food_access_sram_tract | k_food_access_sram_tract | integer | The record's ID number in the database. |
| dw.food_access_sram_tract | sram_year | smallint | Edition of the map: 2025 (released July 2026). |
| dw.food_access_sram_tract | tract_code | character(11) | 2020 census tract (11 digits); Connecticut on its old county codes. |
| dw.food_access_sram_tract | county_fips | character(5) | Five-digit county FIPS code (federal state + county number) of the tract; Connecticut on its old county codes. |
| dw.food_access_sram_tract | state_name | text | State name. |
| dw.food_access_sram_tract | county_name | text | County name (the 2024 name where given). |
| dw.food_access_sram_tract | urban | boolean | True for an urban tract; low access is measured at 1 mile (or half a mile) in urban tracts and 10 or 20 miles in rural ones. |
| dw.food_access_sram_tract | population_2020 | integer | Population, 2020 census. |
| dw.food_access_sram_tract | housing_units_2020 | integer | Occupied housing units, 2020 census. |
| dw.food_access_sram_tract | low_income_tract | boolean | True for a low-income tract: poverty rate 20% or more, or median family income at most 80% of the state or metro median. |
| dw.food_access_sram_tract | poverty_rate | numeric | Percent of the tract's people below the federal poverty line. |
| dw.food_access_sram_tract | median_family_income | numeric | Tract median family income, dollars. |
| dw.food_access_sram_tract | housing_units_no_vehicle | integer | Housing units without a vehicle. |
| dw.food_access_sram_tract | housing_units_snap | integer | Housing units receiving SNAP (food stamp) benefits. |
| dw.food_access_sram_tract | lila_1_10 | boolean | Low-income tract with low access to a SNAP store at 1 mile urban or 10 miles rural, straight-line distance. |
| dw.food_access_sram_tract | lila_half_10 | boolean | Low-income tract with low access to a SNAP store at half a mile urban or 10 miles rural, straight-line distance. |
| dw.food_access_sram_tract | lila_1_20 | boolean | Low-income tract with low access to a SNAP store at 1 mile urban or 20 miles rural, straight-line distance. |
| dw.food_access_sram_tract | lila_vehicle | boolean | Low-income tract with low access to a SNAP store given vehicle access, or at 20 miles, straight-line distance. |
| dw.food_access_sram_tract | low_access_pop_1_10 | numeric | People more than 1 mile (urban) or 10 miles (rural) from a SNAP store, straight-line distance. |
| dw.food_access_sram_tract | low_income_low_access_pop_1_10 | numeric | Low-income people more than 1 mile (urban) or 10 miles (rural) from a SNAP store, straight-line distance. |
| dw.food_access_sram_tract | drive_lila_1_10 | boolean | Same as lila_1_10, by driving distance. |
| dw.food_access_sram_tract | drive_lila_vehicle | boolean | Same as lila_vehicle, by driving distance. |
| dw.food_access_sram_tract | k_source | integer | Points to the map file this row came from (dw.source). |
| dw.food_access_sram_tract | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.food_access_sram_tract | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.food_access_sram_tract | problematic | boolean | true = a known problem is still open for this row; dw.data_note explains it |
| dw.food_access_tract | k_food_access_tract | integer | The record's ID number in the database. |
| dw.food_access_tract | atlas_year | smallint | Edition of the atlas: 2019. |
| dw.food_access_tract | census_vintage | smallint | Census of the tract boundaries: 2010. |
| dw.food_access_tract | tract_code | character(11) | 2010 census tract (11 digits); see dw.food_access_tract_2020 for 2020 tracts. |
| dw.food_access_tract | county_fips | character(5) | Five-digit county FIPS code (federal state + county number) of the tract. |
| dw.food_access_tract | state_name | text | State name. |
| dw.food_access_tract | county_name | text | County name, e.g. Autauga County. |
| dw.food_access_tract | urban | boolean | True for an urban tract; low access is measured at 1 mile (or half a mile) in urban tracts and 10 or 20 miles in rural ones. |
| dw.food_access_tract | population_2010 | integer | Population, 2010 census. |
| dw.food_access_tract | housing_units_2010 | integer | Occupied housing units, 2010 census. |
| dw.food_access_tract | low_income_tract | boolean | True for a low-income tract: poverty rate 20% or more, or median family income at most 80% of the state or metro median. |
| dw.food_access_tract | poverty_rate | numeric | Percent of the tract's people below the federal poverty line. |
| dw.food_access_tract | median_family_income | numeric | Tract median family income, dollars. |
| dw.food_access_tract | lila_1_10 | boolean | Low-income tract where at least 500 people or a third of residents live more than 1 mile (urban) or 10 miles (rural) from a supermarket: the usual food-desert definition. |
| dw.food_access_tract | lila_half_10 | boolean | As lila_1_10, at half a mile in urban tracts. |
| dw.food_access_tract | lila_1_20 | boolean | As lila_1_10, at 20 miles in rural tracts. |
| dw.food_access_tract | lila_vehicle | boolean | Low-income tract with low vehicle access, or 20 miles from a supermarket. |
| dw.food_access_tract | low_access_1_10 | boolean | Low-access tract at 1 mile (urban) or 10 miles (rural) from a supermarket, whatever its income. |
| dw.food_access_tract | low_access_pop_1_10 | numeric | People more than 1 mile (urban) or 10 miles (rural) from a supermarket. |
| dw.food_access_tract | low_access_pop_1_10_share | numeric | Share (0-1) of the tract's people more than 1 mile (urban) or 10 miles (rural) from a supermarket, worked out by the warehouse. |
| dw.food_access_tract | low_income_low_access_pop_1_10 | numeric | Low-income people more than 1 mile (urban) or 10 miles (rural) from a supermarket. |
| dw.food_access_tract | households_no_vehicle_half | numeric | Housing units with no vehicle and more than half a mile from a supermarket. |
| dw.food_access_tract | k_source | integer | Points to the atlas file this row came from (dw.source). |
| dw.food_access_tract | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.food_access_tract | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.food_access_tract | problematic | boolean | true = a known problem is still open for this row; dw.data_note explains it |
| dw.food_access_tract_2020 | tract_code | character(11) | 2020 census tract (11 digits). |
| dw.food_access_tract_2020 | parts_2010 | bigint | Number of 2010 atlas tracts whose land overlaps this 2020 tract. |
| dw.food_access_tract_2020 | lila_1_10_share | numeric | Share (0-1) of the tract's land that lay in 2010 tracts flagged low income and low access at 1 mile urban or 10 miles rural; empty when none. |
| dw.food_access_tract_2020 | lila_half_10_share | numeric | Share (0-1) of the tract's land that lay in 2010 tracts flagged low income and low access at half a mile urban or 10 miles rural; empty when none. |
| dw.food_access_tract_2020 | lila_vehicle_share | numeric | Share (0-1) of the tract's land that lay in 2010 tracts flagged low income and low access by vehicle or at 20 miles; empty when none. |
| dw.food_access_tract_2020 | low_income_share | numeric | Share (0-1) of the tract's land that lay in 2010 low-income tracts; empty when none. |
| dw.food_access_tract_2020 | urban_share | numeric | Share (0-1) of the tract's land that lay in 2010 urban tracts; empty when none. |
| dw.food_access_tract_2020 | food_desert | boolean | True when at least half the tract's land lay in 2010 tracts that were low income and low access at 1 mile urban or 10 miles rural (the usual food-desert test). |
| dw.gaz_county | k_gaz_county | integer | The record's ID number in the database. |
| dw.gaz_county | gaz_year | smallint | Gazetteer edition (which year's boundaries): 2020 or 2026. |
| dw.gaz_county | county_fips | character(5) | Five-digit county FIPS code (federal state + county number); 2026 has the Connecticut planning regions. |
| dw.gaz_county | state_usps | character(2) | Two-letter postal state abbreviation. |
| dw.gaz_county | ansicode | text | Federal geographic names code of the county, eight digits. |
| dw.gaz_county | county_name | text | County name with its type, e.g. Autauga County. |
| dw.gaz_county | land_m2 | bigint | Land area, square metres. |
| dw.gaz_county | water_m2 | bigint | Water area, square metres. |
| dw.gaz_county | total_m2 | bigint | Land plus water area, square metres. |
| dw.gaz_county | land_sqmi | numeric(12,3) | Land area, square miles. |
| dw.gaz_county | water_sqmi | numeric(12,3) | Water area, square miles. |
| dw.gaz_county | intpt_lat | numeric(10,7) | Latitude of the Census Bureau's central point of the county. |
| dw.gaz_county | intpt_lon | numeric(11,7) | Longitude of the Census Bureau's central point of the county. |
| dw.gaz_county | k_source | integer | Points to the Gazetteer file this row came from (dw.source). |
| dw.gaz_county | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.gaz_county | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.gaz_county | problematic | boolean | true = a known problem is still open for this row; dw.data_note explains it |
| dw.gaz_state | k_gaz_state | integer | The record's ID number in the database. |
| dw.gaz_state | gaz_year | smallint | Gazetteer edition: 2026 only. |
| dw.gaz_state | state_fips | character(2) | Two-digit state FIPS code (federal numeric state code). |
| dw.gaz_state | state_usps | character(2) | Two-letter postal state abbreviation. |
| dw.gaz_state | state_name | text | State name. |
| dw.gaz_state | land_m2 | bigint | Land area, square metres. |
| dw.gaz_state | water_m2 | bigint | Water area, square metres. |
| dw.gaz_state | total_m2 | bigint | Land plus water area, square metres. |
| dw.gaz_state | land_sqmi | numeric(14,3) | Land area, square miles. |
| dw.gaz_state | water_sqmi | numeric(14,3) | Water area, square miles. |
| dw.gaz_state | intpt_lat | numeric(10,7) | Latitude of the Census Bureau's central point of the state. |
| dw.gaz_state | intpt_lon | numeric(11,7) | Longitude of the Census Bureau's central point of the state. |
| dw.gaz_state | k_source | integer | Points to the Gazetteer file this row came from (dw.source). |
| dw.gaz_state | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.gaz_state | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.gaz_state | problematic | boolean | true = a known problem is still open for this row; dw.data_note explains it |
| dw.gaz_tract | k_gaz_tract | integer | The record's ID number in the database. |
| dw.gaz_tract | gaz_year | smallint | Gazetteer edition: 2020 or 2026. |
| dw.gaz_tract | tract_code | character(11) | Census tract (11 digits) as the edition published it; in 2026 Connecticut uses planning-region county codes. |
| dw.gaz_tract | tract_code_2020 | character(11) | The same tract under 2020 county codes; differs only for Connecticut in 2026. |
| dw.gaz_tract | state_usps | character(2) | Two-letter postal state abbreviation. |
| dw.gaz_tract | land_m2 | bigint | Land area, square metres. |
| dw.gaz_tract | water_m2 | bigint | Water area, square metres. |
| dw.gaz_tract | total_m2 | bigint | Land plus water area, square metres. |
| dw.gaz_tract | land_sqmi | numeric(12,3) | Land area, square miles. |
| dw.gaz_tract | water_sqmi | numeric(12,3) | Water area, square miles. |
| dw.gaz_tract | intpt_lat | numeric(10,7) | Latitude of the Census Bureau's central point, inside the tract. |
| dw.gaz_tract | intpt_lon | numeric(11,7) | Longitude of the Census Bureau's central point, inside the tract. |
| dw.gaz_tract | k_source | integer | Points to the Gazetteer file this row came from (dw.source). |
| dw.gaz_tract | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.gaz_tract | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.gaz_tract | problematic | boolean | True when tract_code_2020 is not a 2020 tract in dw.census_tract. |
| dw.gaz_zcta | k_gaz_zcta | integer | The record's ID number in the database. |
| dw.gaz_zcta | gaz_year | smallint | Gazetteer edition: 2021 or 2026. |
| dw.gaz_zcta | zcta | character(5) | Five-digit ZIP Code Tabulation Area, the Census Bureau's approximation of a ZIP code. |
| dw.gaz_zcta | land_m2 | bigint | Land area, square metres. |
| dw.gaz_zcta | water_m2 | bigint | Water area, square metres. |
| dw.gaz_zcta | total_m2 | bigint | Land plus water area, square metres. |
| dw.gaz_zcta | land_sqmi | numeric(12,3) | Land area, square miles. |
| dw.gaz_zcta | water_sqmi | numeric(12,3) | Water area, square miles. |
| dw.gaz_zcta | intpt_lat | numeric(10,7) | Latitude of the Census Bureau's central point of the area. |
| dw.gaz_zcta | intpt_lon | numeric(11,7) | Longitude of the Census Bureau's central point of the area. |
| dw.gaz_zcta | k_source | integer | Points to the Gazetteer file this row came from (dw.source). |
| dw.gaz_zcta | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.gaz_zcta | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.gaz_zcta | problematic | boolean | true = a known problem is still open for this row; dw.data_note explains it |
| dw.geo_county | k_geo_county | integer | The record's ID number in the database. |
| dw.geo_county | k_geo_state | integer | Points to the county's state in dw.geo_state. |
| dw.geo_county | county_fips | character(5) | Five-digit county FIPS code: two-digit state plus three-digit county, as filed in HMDA. |
| dw.geo_county | county_name | text | County name from the latest Census county list that has the code. |
| dw.geo_county | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.geo_county | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.geo_county | census_listed | boolean | True when the code is on a Census county list; false for a mis-keyed code from an HMDA file (no name). |
| dw.geo_county | problematic | boolean | true = a known problem is still open for this row; dw.data_note explains it |
| dw.geo_msa | k_geo_msa | integer | The record's ID number in the database. |
| dw.geo_msa | msa_md_code | text | Metro area code as filed in HMDA: four digits for a 1990s metro area, five for a current metro area or division; 99999 not in a metro area. |
| dw.geo_msa | msa_md_name | text | Name of the metro area: the FFIEC's (Federal Financial Institutions Examination Council) name from 2017, else the latest federal (OMB, Office of Management and Budget) name. |
| dw.geo_msa | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.geo_msa | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.geo_msa | msa_kind | text | Kind of area: MSA, PMSA, CMSA, NECMA (1990s); CBSA_METRO, CBSA_MICRO, METRO_DIVISION (2003 on). |
| dw.geo_msa | census_listed | boolean | True when the code is in a federal metro-area definition (or is 99999); false for a mis-keyed code from an HMDA file. |
| dw.geo_msa | problematic | boolean | true = a known problem is still open for this row; dw.data_note explains it |
| dw.geo_state | k_geo_state | integer | The record's ID number in the database. |
| dw.geo_state | state_fips | character(2) | Two-digit state FIPS code, e.g. 06 California. |
| dw.geo_state | state_abbr | character(2) | Two-letter postal abbreviation, e.g. CA. |
| dw.geo_state | state_name | text | Name of the state, District of Columbia or territory. |
| dw.geo_state | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.geo_state | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.geo_state | problematic | boolean | true = a known problem is still open for this row; dw.data_note explains it |
| dw.geo_tract | k_geo_tract | integer | The record's ID number in the database. |
| dw.geo_tract | k_geo_county | integer | Points to the tract's county in dw.geo_county. |
| dw.geo_tract | tract_code | character(11) | Census tract code as filed in HMDA (11 digits: state, county, tract); read it with census_vintage. |
| dw.geo_tract | census_vintage | smallint | Census of the tract boundaries: 1990 (HMDA 1990-2002), 2000 (2003-2011), 2010 (2012-2021), 2020 (2022 on). |
| dw.geo_tract | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.geo_tract | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.geo_tract | problematic | boolean | true = a known problem is still open for this row; dw.data_note explains it |
| dw.geo_tract_best | k_geo_tract | integer | Points to the tract being placed, in dw.geo_tract. |
| dw.geo_tract_best | tract_2020 | character(11) | The 2020 census tract (11 digits) that best represents it: for older tracts, the one holding most of its population, housing or area, followed census to census. |
| dw.geo_tract_best | method | text | How it was found: same (already a 2020 tract), connecticut_region (matched by tract number in Connecticut), or followed from an earlier census through the relationship files. |
| dw.geo_tract_best | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.geo_tract_best | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.geo_tract_best | problematic | boolean | true = a known problem is still open for this row; dw.data_note explains it |
| dw.geo_tract_period | k_geo_tract_period | integer | The record's ID number in the database. |
| dw.geo_tract_period | k_geo_tract | integer | Points to the census tract in dw.geo_tract. |
| dw.geo_tract_period | k_period | integer | Year of the data, as a key of dw.period. |
| dw.geo_tract_period | tract_population | integer | Total tract population from the census, as published with that year's HMDA records; 2007 on. |
| dw.geo_tract_period | minority_population_pct | numeric | Minority share of the tract population, percent (0-100); 2007 on. |
| dw.geo_tract_period | msa_median_family_income | integer | Median family income of the tract's metro area for that year, dollars, as the FFIEC (Federal Financial Institutions Examination Council) estimated it; 2007 on. |
| dw.geo_tract_period | tract_to_msa_income_pct | numeric | Tract median family income as a percent of the metro area's (under 80 is low or moderate income); 2007 on. |
| dw.geo_tract_period | owner_occupied_units | integer | Owner-occupied homes in the tract, condominiums included; 2007 on. |
| dw.geo_tract_period | one_to_four_family_homes | integer | Homes built for one to four families in the tract; 2007 on. |
| dw.geo_tract_period | median_housing_age | integer | Median age of the tract's housing, years; 2018 on. |
| dw.geo_tract_period | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.geo_tract_period | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.geo_tract_period | problematic | boolean | true = a known problem is still open for this row; dw.data_note explains it |
| dw.ginnie_bulletin | k_ginnie_bulletin | integer | The row's ID number in the warehouse. |
| dw.ginnie_bulletin | bulletin_number | text | Ginnie Mae's bulletin number, year and sequence, e.g. 2026-039. |
| dw.ginnie_bulletin | published_on | date | Date Ginnie Mae published the bulletin. |
| dw.ginnie_bulletin | title | text | Title of the bulletin. |
| dw.ginnie_bulletin | url | text | Address of the bulletin on ginniemae.gov. |
| dw.ginnie_bulletin | data_relevant | boolean | True when the bulletin may change single-family data the warehouse holds, judged from its title and checked by a person. |
| dw.ginnie_bulletin | first_seen | timestamp with time zone | When the warehouse first saw the bulletin. |
| dw.ginnie_bulletin | problematic | boolean | True when a known data problem is still open for this row; dw.data_note explains it. |
| dw.ginnie_bulletin | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.ginnie_bulletin | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.ginnie_issuer | k_ginnie_issuer | integer | The record's ID number in the database. |
| dw.ginnie_issuer | issuer_number | smallint | Ginnie Mae's four-digit issuer ID: the lender or servicer that pools government-backed loans into its securities and services them. |
| dw.ginnie_issuer | as_of_month | date | Month the row describes (its first day). |
| dw.ginnie_issuer | issuer_name | text | Issuer name for the month: the spelling most often used in that month's pool files, else the name in the nearest issuer file. |
| dw.ginnie_issuer | name_variants | text[] | Other spellings seen for the issuer that month, most frequent first; empty when none. |
| dw.ginnie_issuer | name_source | text | Where issuer_name came from: a single-issuer pool record, the issuer's line in a multiple-issuer pool, or Ginnie Mae's issuer file. |
| dw.ginnie_issuer | pools_single_issuer | integer | Number of single-issuer pools the issuer is responsible for that month; 0 when none. |
| dw.ginnie_issuer | pools_mip | integer | Number of multiple-issuer pools (pools combining loans from several issuers) in which the issuer has loans that month; 0 when none. |
| dw.ginnie_issuer | issuer_city | text | City of the issuer's address, from the issuer file of that or the nearest month; empty when not listed. |
| dw.ginnie_issuer | issuer_state | character(2) | Two-letter state of the issuer's address; empty when not listed. |
| dw.ginnie_issuer | issuer_status | character(1) | A active or I inactive, from the issuer file; empty when not listed. |
| dw.ginnie_issuer | problematic | boolean | true = a known data problem is still open for this row; dw.data_note explains it. |
| dw.ginnie_issuer | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.ginnie_issuer | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.ginnie_issuer_file | k_ginnie_issuer_file | integer | The record's ID number in the database. |
| dw.ginnie_issuer_file | as_of_month | date | Month of the issuer file the row comes from (its first day). |
| dw.ginnie_issuer_file | issuer_number | smallint | Ginnie Mae's four-digit issuer ID. |
| dw.ginnie_issuer_file | program | character(2) | Ginnie Mae programs of the issuer, e.g. 01 single family, 02 manufactured housing, 03 multifamily, 06 all programs, 09 reverse mortgages (HECM, Home Equity Conversion Mortgage). |
| dw.ginnie_issuer_file | issuer_name | text | Issuer name as written in the file. |
| dw.ginnie_issuer_file | address | text | Street address of the issuer; empty when blank. |
| dw.ginnie_issuer_file | city | text | City of the issuer; empty when blank. |
| dw.ginnie_issuer_file | state | character(2) | Two-letter state of the issuer; empty when blank. |
| dw.ginnie_issuer_file | zip | character(9) | ZIP code, five or nine digits; empty when blank. |
| dw.ginnie_issuer_file | phone | character(10) | Phone number as published, ten digits; empty when blank. |
| dw.ginnie_issuer_file | phone_e164 | text | The phone number in standard +1 ten-digit form; empty when blank, all zeros or invalid. |
| dw.ginnie_issuer_file | status | character(1) | A active or I inactive. |
| dw.ginnie_issuer_file | record_date | date | Date Ginnie Mae produced the file; the same on every row of one file. |
| dw.ginnie_issuer_file | problematic | boolean | true = a known data problem is still open for this row; dw.data_note explains it. |
| dw.ginnie_issuer_file | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.ginnie_issuer_file | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.ginnie_issuer_month | k_ginnie_issuer_month | integer | The record's ID number in the database. |
| dw.ginnie_issuer_month | as_of_month | date | Reporting month (its first day); January 2025 on, with gaps. |
| dw.ginnie_issuer_month | issuer_number | smallint | Ginnie Mae four-digit ID of the loans' current issuer, the servicer of record; dw.ginnie_issuer has the name. |
| dw.ginnie_issuer_month | active_loans | integer | Loans in Ginnie Mae pools under this issuer at month end. |
| dw.ginnie_issuer_month | upb_disclosed_loans | integer | Active loans whose balance Ginnie Mae publishes (those in a pool more than six months). |
| dw.ginnie_issuer_month | active_upb | numeric(16,2) | Published unpaid principal balance of those loans, dollars; loans in their first six months are not in it. |
| dw.ginnie_issuer_month | new_loans_upb_withheld | integer | Active loans whose balance is withheld because they have been in a pool six months or less. |
| dw.ginnie_issuer_month | new_loans_issuance_upb | numeric(16,2) | Balance at pool issuance of those newer loans, dollars; active_upb plus this is the issuer's whole book. |
| dw.ginnie_issuer_month | dq30_loans | integer | Active loans one payment behind (30 days delinquent). |
| dw.ginnie_issuer_month | dq60_loans | integer | Active loans two payments behind (60 days delinquent). |
| dw.ginnie_issuer_month | dq90plus_loans | integer | Active loans three or more payments behind (90 days or more). |
| dw.ginnie_issuer_month | dq30_upb | numeric(16,2) | Published balance of the 30-day delinquent loans, dollars (newer loans count as 0). |
| dw.ginnie_issuer_month | dq60_upb | numeric(16,2) | Published balance of the 60-day delinquent loans, dollars (newer loans count as 0). |
| dw.ginnie_issuer_month | dq90plus_upb | numeric(16,2) | Published balance of the 90-day-plus delinquent loans, dollars (newer loans count as 0). |
| dw.ginnie_issuer_month | fha_loans | integer | Active loans insured by the FHA (Federal Housing Administration). |
| dw.ginnie_issuer_month | va_loans | integer | Active loans guaranteed by the VA (Department of Veterans Affairs). |
| dw.ginnie_issuer_month | rd_loans | integer | Active loans guaranteed by USDA (Department of Agriculture) Rural Development. |
| dw.ginnie_issuer_month | other_agency_loans | integer | Active loans under another agency (such as Native American Section 184 loans) or not given. |
| dw.ginnie_issuer_month | liquidated_loans | integer | Loans removed from their pool during the month, for any reason. |
| dw.ginnie_issuer_month | payoff_loans | integer | Loans paid off in full by the borrower during the month. |
| dw.ginnie_issuer_month | buyout_loans | integer | Delinquent loans the issuer bought out of their pool during the month. |
| dw.ginnie_issuer_month | foreclosure_loans | integer | Loans removed through foreclosure. |
| dw.ginnie_issuer_month | loss_mitigation_loans | integer | Loans removed for loss mitigation. |
| dw.ginnie_issuer_month | substitution_loans | integer | Loans removed by substitution. |
| dw.ginnie_issuer_month | other_removal_loans | integer | Loans removed for any other reason. |
| dw.ginnie_issuer_month | payoff_upb | numeric(16,2) | Published balance of the paid-off loans, dollars (loans removed within six months of issuance count as 0). |
| dw.ginnie_issuer_month | buyout_upb | numeric(16,2) | Published balance of the bought-out loans, dollars (loans removed within six months of issuance count as 0). |
| dw.ginnie_issuer_month | smm_count | numeric(9,6) | Share (0-1) of loans paid off in the month, by count. |
| dw.ginnie_issuer_month | smm_upb | numeric(9,6) | Single-month mortality: share (0-1) of balance paid off in the month; newer loans left out. |
| dw.ginnie_issuer_month | cpr_upb | numeric(9,6) | Conditional prepayment rate: smm_upb as an annual rate, share 0-1 (0.0545 = 5.45% a year). |
| dw.ginnie_issuer_month | transfer_in_loans | integer | Active loans whose servicing this issuer took over this month from another issuer. |
| dw.ginnie_issuer_month | transfer_in_upb_disclosed | numeric(16,2) | Published balance of those transferred-in loans, dollars; dw.ginnie_pool_transfer has the full amount. |
| dw.ginnie_issuer_month | transfer_out_loans | integer | Active loans whose servicing this issuer sold to another issuer this month; 0 when none. |
| dw.ginnie_issuer_month | low_count | boolean | True when fewer than 5 active loans, so the rates rest on very few loans. |
| dw.ginnie_issuer_month | problematic | boolean | true = a known data problem is still open for this row; dw.data_note explains it. |
| dw.ginnie_issuer_month | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.ginnie_issuer_month | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.ginnie_issuer_month_dq_history | k_ginnie_issuer_month_dq_history | integer | The record's ID number in the database. |
| dw.ginnie_issuer_month_dq_history | history_as_of | date | Month of the payment-history file (its first day). |
| dw.ginnie_issuer_month_dq_history | as_of_month | date | Month the counts describe: the file month or one of the 23 before it. |
| dw.ginnie_issuer_month_dq_history | issuer_number | smallint | Ginnie Mae four-digit ID of the loans' issuer at the file date, not necessarily in as_of_month. |
| dw.ginnie_issuer_month_dq_history | loans_reported | integer | Loans active at the file date with a payment status for the month; loans paid off or removed earlier are absent. |
| dw.ginnie_issuer_month_dq_history | current_loans | integer | Of those, loans current in the month. |
| dw.ginnie_issuer_month_dq_history | dq30_loans | integer | Of those, loans one payment behind (30 days). |
| dw.ginnie_issuer_month_dq_history | dq60_loans | integer | Of those, loans two payments behind (60 days). |
| dw.ginnie_issuer_month_dq_history | dq90plus_loans | integer | Of those, loans three or more payments behind (90 days or more). |
| dw.ginnie_issuer_month_dq_history | not_available_loans | integer | Loans with no payment status for the month; not in loans_reported. |
| dw.ginnie_issuer_month_dq_history | low_count | boolean | True when fewer than 5 loans are reported for the month. |
| dw.ginnie_issuer_month_dq_history | problematic | boolean | true = a known data problem is still open for this row; dw.data_note explains it. |
| dw.ginnie_issuer_month_dq_history | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.ginnie_issuer_month_dq_history | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.ginnie_issuer_month_flow | k_ginnie_issuer_month_flow | integer | The record's ID number in the database. |
| dw.ginnie_issuer_month_flow | as_of_month | date | Month t (its first day); loans are followed from the end of the month before to the end of this one. |
| dw.ginnie_issuer_month_flow | issuer_number | smallint | Ginnie Mae four-digit issuer ID: the issuer at the start of the month for most counts, at the end for transfers in. |
| dw.ginnie_issuer_month_flow | prior_active_loans | integer | Loans active under this issuer at the end of the previous month. |
| dw.ginnie_issuer_month_flow | prior_upb_disclosed | numeric(16,2) | Published balance of those loans a month earlier, dollars (newer loans count as 0). |
| dw.ginnie_issuer_month_flow | payoff_loans | integer | Of those, loans paid off in full by the borrower during the month. |
| dw.ginnie_issuer_month_flow | payoff_prior_upb | numeric(16,2) | Balance a month earlier of the paid-off loans, dollars. |
| dw.ginnie_issuer_month_flow | smm_prior_upb | numeric(9,6) | Single-month mortality: share (0-1) of the prior month's balance paid off this month. |
| dw.ginnie_issuer_month_flow | cpr_prior_upb | numeric(9,6) | Conditional prepayment rate: smm_prior_upb as an annual rate, share 0-1. |
| dw.ginnie_issuer_month_flow | roll_current_to_dq30 | integer | Loans current last month and 30 days delinquent now. |
| dw.ginnie_issuer_month_flow | roll_dq30_to_dq60 | integer | Loans 30 days delinquent last month and 60 days now. |
| dw.ginnie_issuer_month_flow | roll_dq60_to_dq90plus | integer | Loans 60 days delinquent last month and 90 or more now. |
| dw.ginnie_issuer_month_flow | prior_current_loans | integer | Loans current at the end of last month. |
| dw.ginnie_issuer_month_flow | prior_dq30_loans | integer | Loans 30 days delinquent at the end of last month. |
| dw.ginnie_issuer_month_flow | prior_dq60_loans | integer | Loans 60 days delinquent at the end of last month. |
| dw.ginnie_issuer_month_flow | prior_dq90plus_loans | integer | Loans 90 or more days delinquent at the end of last month. |
| dw.ginnie_issuer_month_flow | cured_loans | integer | Loans delinquent last month and current now. |
| dw.ginnie_issuer_month_flow | buyout_loans | integer | Delinquent loans bought out of their pool during the month. |
| dw.ginnie_issuer_month_flow | transfer_out_pool | integer | Loans whose servicing moved to another issuer with a pool transfer. |
| dw.ginnie_issuer_month_flow | transfer_out_single | integer | Loans moved to another issuer one by one, not with a pool; 0 in every month so far. |
| dw.ginnie_issuer_month_flow | transfer_in_pool | integer | Loans received from another issuer with a pool transfer. |
| dw.ginnie_issuer_month_flow | transfer_in_single | integer | Loans received from another issuer one by one; 0 in every month so far. |
| dw.ginnie_issuer_month_flow | not_reported_loans | integer | Loans active last month with no record at all this month. |
| dw.ginnie_issuer_month_flow | low_count | boolean | True when fewer than 5 loans were active last month, so the rates rest on very few loans. |
| dw.ginnie_issuer_month_flow | problematic | boolean | true = a known data problem is still open for this row; dw.data_note explains it. |
| dw.ginnie_issuer_month_flow | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.ginnie_issuer_month_flow | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.ginnie_issuer_month_forbearance | k_ginnie_issuer_month_forbearance | integer | The record's ID number in the database. |
| dw.ginnie_issuer_month_forbearance | as_of_month | date | Reporting month of the forbearance file (its first day). |
| dw.ginnie_issuer_month_forbearance | issuer_number | smallint | Ginnie Mae four-digit ID of the loans' issuer. |
| dw.ginnie_issuer_month_forbearance | forbearance_type | smallint | 3 formal forbearance plan, 4 special forbearance for unemployment, 0 blank in the file. |
| dw.ginnie_issuer_month_forbearance | loans | integer | Loans reported in forbearance this month. |
| dw.ginnie_issuer_month_forbearance | liquidating_loans | integer | Of those, loans being removed from their pool this month. |
| dw.ginnie_issuer_month_forbearance | low_count | boolean | True when fewer than 5 loans in the row. |
| dw.ginnie_issuer_month_forbearance | problematic | boolean | true = a known data problem is still open for this row; dw.data_note explains it. |
| dw.ginnie_issuer_month_forbearance | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.ginnie_issuer_month_forbearance | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.ginnie_issuer_month_lender | as_of_month | date | Month of the issuer figures (its first day), January 2025 on. |
| dw.ginnie_issuer_month_lender | issuer_number | smallint | Ginnie Mae four-digit issuer ID. |
| dw.ginnie_issuer_month_lender | xwalk_year | smallint | Year of the match used: the month's own year, else the issuer's latest earlier year; empty when there is none. |
| dw.ginnie_issuer_month_lender | k_lender | integer | Points to the HMDA lender in dw.lender; empty when unmatched. |
| dw.ginnie_issuer_month_lender | decided_by | text | Who made the match: baseline (exact name match), automated record matching (with or without a second review step), or a person, who outranks the automated methods. |
| dw.ginnie_issuer_month_prepay | as_of_month | date | Month of the payoffs (its first day). |
| dw.ginnie_issuer_month_prepay | issuer_number | smallint | Ginnie Mae four-digit ID of the loans' current issuer. |
| dw.ginnie_issuer_month_prepay | payoff_loans | integer | Loans paid off in full by the borrower during the month. |
| dw.ginnie_issuer_month_prepay | payoff_balance | numeric(16,2) | Principal of those payoffs passed to investors, dollars (loans removed within six months of issuance count as 0). |
| dw.ginnie_issuer_month_prepay | sched_loans | integer | Active loans with a scheduled balance at the end of the previous month. |
| dw.ginnie_issuer_month_prepay | scheduled_upb_next | numeric(16,2) | Balance those loans were scheduled to owe this month, dollars: the base of the rate. |
| dw.ginnie_issuer_month_prepay | smm | numeric | Single-month mortality: share (0-1) of the scheduled balance paid off in the month; empty when the base is 0. |
| dw.ginnie_issuer_month_prepay | cpr | numeric | Conditional prepayment rate: smm as an annual rate, share 0-1. |
| dw.ginnie_issuer_month_prepay | low_count | boolean | True when fewer than 5 loans had a scheduled balance, so the rate rests on very few loans. |
| dw.ginnie_issuer_month_removal | k_ginnie_issuer_month_removal | integer | The record's ID number in the database. |
| dw.ginnie_issuer_month_removal | as_of_month | date | Month the loans left their pools (its first day). |
| dw.ginnie_issuer_month_removal | issuer_number | smallint | Ginnie Mae four-digit ID of the removed loans' current issuer. |
| dw.ginnie_issuer_month_removal | removal_reason | smallint | Why the loans left: 1 borrower payoff, 2 buyout of a delinquent loan, 3 foreclosure, 4 loss mitigation, 5 substitution, 6 other, 7 special assistance, 0 blank. |
| dw.ginnie_issuer_month_removal | loans | integer | Number of loans removed. |
| dw.ginnie_issuer_month_removal | loans_upb_withheld | integer | Of those, loans removed within six months of pool issuance, whose balances are withheld and count as 0. |
| dw.ginnie_issuer_month_removal | upb | numeric(16,2) | Unpaid principal balance of the removed loans as published, dollars. |
| dw.ginnie_issuer_month_removal | liquidation_balance | numeric(16,2) | Remaining principal passed to investors on removal, dollars. |
| dw.ginnie_issuer_month_removal | low_count | boolean | True when fewer than 5 loans in the row. |
| dw.ginnie_issuer_month_removal | problematic | boolean | true = a known data problem is still open for this row; dw.data_note explains it. |
| dw.ginnie_issuer_month_removal | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.ginnie_issuer_month_removal | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.ginnie_issuer_month_scheduled | k_ginnie_issuer_month_scheduled | integer | The record's ID number in the database. |
| dw.ginnie_issuer_month_scheduled | as_of_month | date | Month of the portfolio file that gave the scheduled balances (its first day); July 2026 on. |
| dw.ginnie_issuer_month_scheduled | issuer_number | smallint | Ginnie Mae four-digit ID of the loans' current issuer. |
| dw.ginnie_issuer_month_scheduled | sched_loans | integer | Active loans with a published scheduled balance (loans in their first six months have none). |
| dw.ginnie_issuer_month_scheduled | scheduled_upb_next | numeric(16,2) | Total balance the loans will owe next month if paid as scheduled, dollars. |
| dw.ginnie_issuer_month_scheduled | problematic | boolean | true = a known data problem is still open for this row; dw.data_note explains it. |
| dw.ginnie_issuer_month_scheduled | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.ginnie_issuer_month_scheduled | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.ginnie_issuer_month_state | k_ginnie_issuer_month_state | integer | The record's ID number in the database. |
| dw.ginnie_issuer_month_state | as_of_month | date | Reporting month (its first day), as in dw.ginnie_issuer_month. |
| dw.ginnie_issuer_month_state | issuer_number | smallint | Ginnie Mae four-digit ID of the loans' current issuer, the servicer of record. |
| dw.ginnie_issuer_month_state | state_code | character(2) | Two-letter state of the property (including DC, PR, GU and VI); ?? when blank. |
| dw.ginnie_issuer_month_state | active_loans | integer | Loans in Ginnie Mae pools under this issuer in this state at month end. |
| dw.ginnie_issuer_month_state | upb_disclosed_loans | integer | Active loans whose balance Ginnie Mae publishes (in a pool more than six months). |
| dw.ginnie_issuer_month_state | active_upb | numeric(16,2) | Published unpaid principal balance of those loans, dollars. |
| dw.ginnie_issuer_month_state | new_loans_upb_withheld | integer | Active loans whose balance is withheld because they have been in a pool six months or less. |
| dw.ginnie_issuer_month_state | dq30_loans | integer | Active loans one payment behind (30 days delinquent). |
| dw.ginnie_issuer_month_state | dq60_loans | integer | Active loans two payments behind (60 days delinquent). |
| dw.ginnie_issuer_month_state | dq90plus_loans | integer | Active loans three or more payments behind (90 days or more). |
| dw.ginnie_issuer_month_state | liquidated_loans | integer | Loans removed from their pool during the month, for any reason. |
| dw.ginnie_issuer_month_state | payoff_loans | integer | Loans paid off in full by the borrower. |
| dw.ginnie_issuer_month_state | buyout_loans | integer | Delinquent loans bought out of their pool by the issuer. |
| dw.ginnie_issuer_month_state | smm_count | numeric(9,6) | Share (0-1) of loans paid off in the month, by count. |
| dw.ginnie_issuer_month_state | low_count | boolean | True when fewer than 5 active loans in this issuer, month and state. |
| dw.ginnie_issuer_month_state | problematic | boolean | true = a known data problem is still open for this row; dw.data_note explains it. |
| dw.ginnie_issuer_month_state | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.ginnie_issuer_month_state | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.ginnie_issuer_month_transition | k_ginnie_issuer_month_transition | integer | The row's ID number in the warehouse. |
| dw.ginnie_issuer_month_transition | as_of_month | date | Month the loans are followed to, stored as its first day: loans active at the end of the month before are tracked to the end of this month. |
| dw.ginnie_issuer_month_transition | issuer_number | smallint | Ginnie Mae's four-digit number for the loans' issuer in the month before. |
| dw.ginnie_issuer_month_transition | from_state | text | Delinquency at the end of the prior month: current, dq30 (one payment late), dq60 (two) or dq90plus (three or more). |
| dw.ginnie_issuer_month_transition | to_state | text | Status at the end of the month: still pooled (current, dq30, dq60, dq90plus), removed (payoff, buyout, foreclosure, loss_mitigation, substitution, other_removal), or not_reported when the loan has no record. |
| dw.ginnie_issuer_month_transition | loans | integer | Number of loans that made this move. |
| dw.ginnie_issuer_month_transition | prior_upb | numeric(16,2) | Unpaid principal balance (UPB) of those loans at the end of the prior month, in dollars; loans in their first six months in a pool count as zero. |
| dw.ginnie_issuer_month_transition | low_count | boolean | True when fewer than 5 loans are in the row; such rows are kept, never dropped. |
| dw.ginnie_issuer_month_transition | problematic | boolean | true = a known data problem is still open for this row; dw.data_note explains it. |
| dw.ginnie_issuer_month_transition | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.ginnie_issuer_month_transition | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.ginnie_listing | k_ginnie_listing | integer | The row's ID number in the warehouse. |
| dw.ginnie_listing | file_name | text | File name as listed, e.g. llmon_202608.zip. |
| dw.ginnie_listing | category | text | Listing section: MBS (Single Family) mortgage-backed securities, Multifamily, HMBS (reverse-mortgage securities), Platinum, Factor Files or Other Files. |
| dw.ginnie_listing | title | text | File title as listed, e.g. MULTIFAMILY POOL AND LOAN MONTHLY PORTFOLIO DISCLOSURE. |
| dw.ginnie_listing | field_prefix | text | The file family as listed, e.g. llmon: the file name without its date part and extension. |
| dw.ginnie_listing | directory_name | text | Download folder the listing names for the file (data_bulk when it names none); part of the download address. |
| dw.ginnie_listing | file_bytes | bigint | File size in bytes, as listed. |
| dw.ginnie_listing | posted_at | timestamp without time zone | When Ginnie Mae posted the file, in Eastern time as shown on the listing. |
| dw.ginnie_listing | first_seen | timestamp with time zone | When the warehouse first saw this posting on the listing. |
| dw.ginnie_listing | last_seen | timestamp with time zone | When the warehouse last saw this posting; an old date means Ginnie Mae has since replaced the file. |
| dw.ginnie_listing | downloaded_to | text | Download folder holding a file of this name and size at the last check; empty when not downloaded. |
| dw.ginnie_listing | problematic | boolean | true = a known data problem is still open for this row; dw.data_note explains it. |
| dw.ginnie_listing | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.ginnie_listing | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.ginnie_loan_issuance | k_ginnie_loan_issuance | bigint | The row's ID number in the warehouse. |
| dw.ginnie_loan_issuance | as_of_month | date | Month the loan was pooled, stored as its first day. |
| dw.ginnie_loan_issuance | disclosure_seq | bigint | Ginnie Mae's disclosure number for the loan; under Ginnie Mae's terms it must never be used to identify a borrower, and it is never linked to HMDA records. |
| dw.ginnie_loan_issuance | cusip | character(9) | CUSIP number (Committee on Uniform Securities Identification Procedures): the nine-character identifier of the Ginnie Mae security the loan backs. |
| dw.ginnie_loan_issuance | pool_id | character(6) | Ginnie Mae's six-character pool ID, assigned at pooling. |
| dw.ginnie_loan_issuance | pool_indicator | character(1) | Issue type of the pool: X = Ginnie Mae I, C = Ginnie Mae II single-issuer (custom) pool, M = Ginnie Mae II multiple-issuer pool. |
| dw.ginnie_loan_issuance | pool_type | character(2) | Two-character pool type, e.g. SF single-family fixed-rate, BD buydown, RG re-performing, ET extended term, JM high-balance; AR, AT, AF and similar codes are adjustable-rate (ARM) pools. |
| dw.ginnie_loan_issuance | pool_issue_date | date | Date the pool was issued. |
| dw.ginnie_loan_issuance | issuer_number | smallint | Ginnie Mae's four-digit number for the issuer responsible for the loan, also within a multiple-issuer pool. |
| dw.ginnie_loan_issuance | seller_issuer_number | smallint | Issuer selling the pool, set only when the pool's servicing is transferred; empty in every row loaded so far. |
| dw.ginnie_loan_issuance | agency | character(1) | Government agency behind the loan: F = FHA (Federal Housing Administration), V = VA (Department of Veterans Affairs), R = USDA (Department of Agriculture) Rural Development, N = Native American (Section 184), 9 = not available. |
| dw.ginnie_loan_issuance | loan_purpose | smallint | Purpose: 1 purchase, 2 refinance, 3 modification under HAMP (Home Affordable Modification Program), 4 other modification, 5 re-performing, 9 not available. |
| dw.ginnie_loan_issuance | refinance_type | smallint | For refinances only: 1 neither streamlined nor cash-out, 2 cash-out, 3 streamlined; empty otherwise. |
| dw.ginnie_loan_issuance | first_payment_date | date | Date the first monthly payment was due. |
| dw.ginnie_loan_issuance | maturity_date | date | Date of the last scheduled payment on the loan. |
| dw.ginnie_loan_issuance | interest_rate | numeric(7,3) | Current interest rate of the loan, percent (6.750 = 6.75%). |
| dw.ginnie_loan_issuance | original_principal | numeric(15,2) | Original principal balance at pool issuance, in dollars, rounded down by Ginnie Mae to the thousand. |
| dw.ginnie_loan_issuance | upb_at_issuance | numeric(15,2) | Unpaid principal balance (UPB) when the pool was issued, in dollars, rounded down to the thousand. |
| dw.ginnie_loan_issuance | original_term | smallint | Original loan term in months. |
| dw.ginnie_loan_issuance | loan_age | smallint | Age of the loan in months. |
| dw.ginnie_loan_issuance | remaining_term | smallint | Months left to maturity. |
| dw.ginnie_loan_issuance | months_delinquent | smallint | Payments due and unpaid (0 = current; 6 = six or more). |
| dw.ginnie_loan_issuance | months_prepaid | smallint | Future payments already made (0 = none; 6 = six or more). |
| dw.ginnie_loan_issuance | ltv | numeric(6,2) | Original loan-to-value ratio (LTV), percent. |
| dw.ginnie_loan_issuance | cltv | numeric(6,2) | Original combined loan-to-value ratio (CLTV: all liens against the property's value), percent. |
| dw.ginnie_loan_issuance | dti | numeric(6,2) | Debt-to-income ratio (DTI): all the borrowers' debts as a percent of their qualifying income. |
| dw.ginnie_loan_issuance | credit_score | smallint | Borrower's credit score, as published. |
| dw.ginnie_loan_issuance | down_payment_assistance | character(1) | Y = the borrower received gift funds for the down payment, N = no. |
| dw.ginnie_loan_issuance | buydown | character(1) | Y = a buydown loan, N = not. |
| dw.ginnie_loan_issuance | upfront_mip | numeric(6,3) | Upfront mortgage insurance premium (MIP) rate on an FHA (Federal Housing Administration) loan, percent. |
| dw.ginnie_loan_issuance | annual_mip | numeric(6,3) | Annual mortgage insurance premium (MIP) rate on an FHA (Federal Housing Administration) loan, percent. |
| dw.ginnie_loan_issuance | borrowers | smallint | Number of borrowers on the loan. |
| dw.ginnie_loan_issuance | first_time_buyer | character(1) | For purchase loans: Y = first-time home buyer, N = not; empty when not given. |
| dw.ginnie_loan_issuance | units | smallint | Number of living units in the property. |
| dw.ginnie_loan_issuance | state_code | character(2) | Two-letter state of the property. |
| dw.ginnie_loan_issuance | msa_code | character(5) | Metro area code of the property; Ginnie Mae leaves it blank in these files, so it is always empty. |
| dw.ginnie_loan_issuance | third_party_origination | smallint | Origination channel: 1 broker, 2 correspondent, 3 retail. |
| dw.ginnie_loan_issuance | origination_date | date | Date the loan was made. |
| dw.ginnie_loan_issuance | reperforming | character(1) | Y = re-performing loan (once delinquent, now paying again); given only for some pool types, empty otherwise. |
| dw.ginnie_loan_issuance | problematic | boolean | true = a known data problem is still open for this row; dw.data_note explains it. |
| dw.ginnie_loan_issuance | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.ginnie_loan_issuance | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.ginnie_loan_month_coverage | k_ginnie_loan_month_coverage | integer | The row's ID number in the warehouse. |
| dw.ginnie_loan_month_coverage | as_of_month | date | Loan month, stored as its first day, of loan-level records kept in the warehouse's file store outside the database. |
| dw.ginnie_loan_month_coverage | source_kind | text | Kind of file holding the month: monthly, quarterly (three months) or annual (twelve months). |
| dw.ginnie_loan_month_coverage | source_rank | smallint | Precedence of the file kind: 1 monthly, 2 quarterly, 3 annual; the lowest rank covering a month is used. |
| dw.ginnie_loan_month_coverage | source_file | text | Name of the downloaded file, e.g. LoanPerfAnn_202512.zip. |
| dw.ginnie_loan_month_coverage | records | bigint | Loan records for this month in this file. |
| dw.ginnie_loan_month_coverage | distinct_loans | bigint | Distinct loans among those records; filled for the chosen file only. |
| dw.ginnie_loan_month_coverage | chosen | boolean | True = this file's records are the ones kept for the month; other rows list files that also cover it. |
| dw.ginnie_loan_month_coverage | problematic | boolean | True = a known data problem is still open (dw.data_note explains it); set when a loan appears more than once in the month. |
| dw.ginnie_loan_month_coverage | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.ginnie_loan_month_coverage | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.ginnie_pool | k_ginnie_pool | integer | The row's ID number in the warehouse. |
| dw.ginnie_pool | as_of_month | date | Reporting month of the file, stored as its first day. |
| dw.ginnie_pool | file_kind | text | portfolio = monthly file of every active pool at month end; new_issue = pools issued in the month. |
| dw.ginnie_pool | pool_id | character(6) | Ginnie Mae's six-character pool ID, assigned at issuance. |
| dw.ginnie_pool | cusip | character(9) | CUSIP number (Committee on Uniform Securities Identification Procedures): the nine-character identifier of the pool's security. |
| dw.ginnie_pool | pool_indicator | character(1) | Issue type of the pool: X = Ginnie Mae I, C = Ginnie Mae II single-issuer (custom) pool, M = Ginnie Mae II multiple-issuer pool. |
| dw.ginnie_pool | pool_type | character(2) | Two-character pool type, e.g. SF single-family fixed-rate, BD buydown, RG re-performing, ET extended term, JM high-balance; AR, AT, AF and similar codes are adjustable-rate (ARM) pools. |
| dw.ginnie_pool | issue_date | date | Date the pool was issued. |
| dw.ginnie_pool | security_rate | numeric(7,3) | Interest rate of the security, percent; for adjustable-rate (ARM) pools, the month's rate. |
| dw.ginnie_pool | maturity_date | date | Date the final payment of the security is scheduled. |
| dw.ginnie_pool | original_amount | numeric(16,2) | The loans' unpaid principal at pool issuance, in dollars. |
| dw.ginnie_pool | security_rpb | numeric(16,2) | Remaining principal balance (RPB) of the security at month end, from scheduled principal, in dollars. |
| dw.ginnie_pool | rpb_factor | numeric(11,8) | Remaining principal balance as a share of the original amount: 1 at issuance, 0 in the month of final payment. |
| dw.ginnie_pool | issuer_number | smallint | Four-digit number of the issuer responsible for the pool; 9999 = multiple-issuer pool (each issuer's part is in dw.ginnie_pool_issuer). |
| dw.ginnie_pool | issuer_name | text | Name of the issuer now responsible for the pool; Multiple Issuers for a multiple-issuer pool. |
| dw.ginnie_pool | loans | integer | Current number of loans in the pool. |
| dw.ginnie_pool | pool_upb | numeric(16,2) | Pool unpaid principal balance (UPB): the sum of the loans' actual balances, in dollars. |
| dw.ginnie_pool | aols | numeric(16,2) | Average original loan size (AOLS): simple average of the loans' original principal, in dollars. |
| dw.ginnie_pool | wa_original_loan_size | numeric(16,2) | Weighted average original loan size, in dollars. |
| dw.ginnie_pool | wac | numeric(7,3) | Weighted average coupon (WAC): the loans' average gross interest rate, percent (not the security's rate). |
| dw.ginnie_pool | warm | smallint | Weighted average remaining months to maturity (WARM); weighted by scheduled balance from July 2026 data. |
| dw.ginnie_pool | wala | smallint | Weighted average loan age (WALA) in months since the first scheduled payment; weighted by scheduled balance from July 2026 data. |
| dw.ginnie_pool | waolt | smallint | Weighted average original loan term (WAOLT), in months. |
| dw.ginnie_pool | wagm | numeric(7,3) | Adjustable-rate pools only: weighted average gross margin (WAGM) added to the index to set loan rates, percent; empty for fixed-rate pools. |
| dw.ginnie_pool | wa_ltv | smallint | Weighted average original loan-to-value ratio (LTV), percent. |
| dw.ginnie_pool | wa_cltv | smallint | Weighted average original combined loan-to-value ratio (CLTV), percent. |
| dw.ginnie_pool | wa_credit_score | smallint | Weighted average credit score used at origination. |
| dw.ginnie_pool | wa_dti | numeric(6,3) | Weighted average debt-to-income ratio (DTI) at origination, as a decimal (0.457 = 45.7%). |
| dw.ginnie_pool | social_indicator | character(1) | Y = the pool's prospectus has a social language insert, N = not; published from August 2024. |
| dw.ginnie_pool | problematic | boolean | true = a known data problem is still open for this row; dw.data_note explains it. |
| dw.ginnie_pool | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.ginnie_pool | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.ginnie_pool_cpr | k_ginnie_pool_cpr | integer | The row's ID number in the warehouse. |
| dw.ginnie_pool_cpr | as_of_month | date | Reporting month, stored as its first day; the file is published from August 2025. |
| dw.ginnie_pool_cpr | pool_id | character(6) | Ginnie Mae's six-character pool ID, assigned at pooling. |
| dw.ginnie_pool_cpr | cusip | character(9) | CUSIP number (Committee on Uniform Securities Identification Procedures): the nine-character identifier of the pool's security. |
| dw.ginnie_pool_cpr | pool_indicator | character(1) | Issue type of the pool: X = Ginnie Mae I, C = Ginnie Mae II single-issuer (custom) pool, M = Ginnie Mae II multiple-issuer pool. |
| dw.ginnie_pool_cpr | pool_type | character(2) | Two-character pool type, e.g. SF single-family fixed rate; see dw.ginnie_pool.pool_type. |
| dw.ginnie_pool_cpr | pool_issue_date | date | Date the pool was issued. |
| dw.ginnie_pool_cpr | cpr | numeric(6,1) | Conditional prepayment rate (CPR) for the month: how fast the pool is paying off early, as an annual percent (44.6 = 44.6%). |
| dw.ginnie_pool_cpr | cpr_3m | numeric(6,1) | Three-month CPR: the average of this and the two previous months' rates, percent; empty when not published. |
| dw.ginnie_pool_cpr | security_rpb | numeric(16,2) | Remaining principal balance (RPB) of the security at month end, from scheduled principal, in dollars. |
| dw.ginnie_pool_cpr | rpb_factor | numeric(11,8) | Remaining principal balance divided by the original amount: 1 at issuance, 0 in the month of final payment. |
| dw.ginnie_pool_cpr | wac | numeric(7,3) | Weighted average coupon (WAC): the loans' average gross interest rate, percent (not the security's rate). |
| dw.ginnie_pool_cpr | warm | smallint | Weighted average remaining months to maturity (WARM) of the loans. |
| dw.ginnie_pool_cpr | wala | smallint | Weighted average loan age (WALA), in months since the first scheduled payment. |
| dw.ginnie_pool_cpr | waolt | smallint | Weighted average original loan term (WAOLT), in months. |
| dw.ginnie_pool_cpr | problematic | boolean | true = a known data problem is still open for this row; dw.data_note explains it. |
| dw.ginnie_pool_cpr | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.ginnie_pool_cpr | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.ginnie_pool_forbearance | k_ginnie_pool_forbearance | integer | The row's ID number in the warehouse. |
| dw.ginnie_pool_forbearance | as_of_month | date | Reporting month of the file, stored as its first day. |
| dw.ginnie_pool_forbearance | pool_id | character(6) | Ginnie Mae's six-character pool ID; only pools with loans in forbearance appear. |
| dw.ginnie_pool_forbearance | record_type | character(2) | Breakdown of the row: 90 by forbearance type alone, 91 also by delinquency, 92 by agency, 93 by loan purpose. |
| dw.ginnie_pool_forbearance | forbearance_type | smallint | 3 = formal forbearance plan (a written agreement to bring the loan current), 4 = special forbearance for unemployment; codes 1 (COVID-related), 2 (other) and 9 (unavailable) were used until May 2025. |
| dw.ginnie_pool_forbearance | second_value | text | The second breakdown value: months delinquent (record 91; 3 = three or more), agency (record 92: F = FHA (Federal Housing Administration), V = VA (Department of Veterans Affairs), R = USDA (Department of Agriculture) Rural Development, N = Native American (Section 184), 9 not available), or loan purpose (record 93); empty for record 90. |
| dw.ginnie_pool_forbearance | loans | integer | Number of loans in the pool with this combination. |
| dw.ginnie_pool_forbearance | upb | numeric(16,2) | Unpaid principal balance (UPB) of those loans, in dollars. |
| dw.ginnie_pool_forbearance | problematic | boolean | true = a known data problem is still open for this row; dw.data_note explains it. |
| dw.ginnie_pool_forbearance | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.ginnie_pool_forbearance | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.ginnie_pool_issuer | k_ginnie_pool_issuer | integer | The row's ID number in the warehouse. |
| dw.ginnie_pool_issuer | as_of_month | date | Reporting month of the file, stored as its first day. |
| dw.ginnie_pool_issuer | file_kind | text | Which file the row comes from: portfolio = the monthly portfolio file; new_issue = the monthly new-issues file. |
| dw.ginnie_pool_issuer | pool_id | character(6) | Six-character ID of the multiple-issuer pool (a Ginnie Mae II pool combining loans from several issuers). |
| dw.ginnie_pool_issuer | issuer_number | smallint | Four-digit number of an issuer with loans in the pool. |
| dw.ginnie_pool_issuer | issuer_name | text | Name of that issuer, as published. |
| dw.ginnie_pool_issuer | loans | integer | Number of this issuer's loans in the pool. |
| dw.ginnie_pool_issuer | upb | numeric(16,2) | Unpaid principal balance of this issuer's loans in the pool, in dollars. |
| dw.ginnie_pool_issuer | problematic | boolean | true = a known data problem is still open for this row; dw.data_note explains it. |
| dw.ginnie_pool_issuer | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.ginnie_pool_issuer | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.ginnie_pool_termination | k_ginnie_pool_termination | integer | The row's ID number in the warehouse. |
| dw.ginnie_pool_termination | as_of_month | date | Reporting month of the file, stored as its first day. |
| dw.ginnie_pool_termination | pool_id | character(6) | Six-character ID of the terminated pool. |
| dw.ginnie_pool_termination | cusip | character(9) | CUSIP number (Committee on Uniform Securities Identification Procedures): the nine-character identifier of the pool's security. |
| dw.ginnie_pool_termination | pool_indicator | character(1) | Issue type as published: X = Ginnie Mae I, C = Ginnie Mae II custom pool, M = multiple-issuer pool, or H (not defined in the layout; the file also covers reverse-mortgage pools). |
| dw.ginnie_pool_termination | pool_type | character(2) | Two-character Ginnie Mae pool type. |
| dw.ginnie_pool_termination | issuer_number | smallint | Four-digit number of the pool's last issuer, after any transfer; empty for multiple-issuer and Platinum pools. |
| dw.ginnie_pool_termination | issue_date | date | Date the pool was issued. |
| dw.ginnie_pool_termination | maturity_date | date | Final maturity date of the pool. |
| dw.ginnie_pool_termination | original_rate | numeric(7,3) | Original interest rate of the pool, percent. |
| dw.ginnie_pool_termination | original_amount | numeric(16,2) | The pool's principal balance on its issue date, in dollars. |
| dw.ginnie_pool_termination | termination_date | date | Date the pool terminated (paid off early or matured). |
| dw.ginnie_pool_termination | problematic | boolean | true = a known data problem is still open for this row; dw.data_note explains it. |
| dw.ginnie_pool_termination | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.ginnie_pool_termination | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.ginnie_pool_transfer | k_ginnie_pool_transfer | integer | The row's ID number in the warehouse. |
| dw.ginnie_pool_transfer | as_of_month | date | Month of the transfer, stored as its first day. |
| dw.ginnie_pool_transfer | file_kind | text | Which file the row comes from: portfolio = the monthly portfolio file; new_issue = the monthly new-issues file. |
| dw.ginnie_pool_transfer | pool_id | character(6) | Six-character ID of the pool whose servicing moved. |
| dw.ginnie_pool_transfer | pool_indicator | character(1) | Issue type: X = Ginnie Mae I, C = Ginnie Mae II custom pool, M = Ginnie Mae II multiple-issuer pool (transfers within one are summed by selling and buying issuer). |
| dw.ginnie_pool_transfer | pool_issue_date | date | Date the pool was issued. |
| dw.ginnie_pool_transfer | transfer_type | smallint | 1 = pool issued for immediate transfer (pooled by one issuer for another), 2 = regular transfer. |
| dw.ginnie_pool_transfer | selling_issuer | smallint | Four-digit number of the issuer selling (transferring) the servicing. |
| dw.ginnie_pool_transfer | buying_issuer | smallint | Four-digit number of the issuer buying (receiving) the servicing. |
| dw.ginnie_pool_transfer | loans | integer | Number of loans transferred. |
| dw.ginnie_pool_transfer | upb | numeric(16,2) | Unpaid principal balance (UPB) of the loans transferred, in dollars. |
| dw.ginnie_pool_transfer | problematic | boolean | true = a known data problem is still open for this row; dw.data_note explains it. |
| dw.ginnie_pool_transfer | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.ginnie_pool_transfer | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.ginnie_terminated_loan | k_ginnie_terminated_loan | integer | The row's ID number in the warehouse. |
| dw.ginnie_terminated_loan | quarter_end | date | Last month of the quarter, stored as its first day. |
| dw.ginnie_terminated_loan | pool_id | character(6) | Six-character Ginnie Mae pool ID the loan was in. |
| dw.ginnie_terminated_loan | disclosure_seq | bigint | Ginnie Mae's disclosure number for the loan; Ginnie Mae's terms forbid using it to identify a borrower. |
| dw.ginnie_terminated_loan | issuer_number | smallint | Four-digit number of the loan's issuer. |
| dw.ginnie_terminated_loan | agency | character(1) | Government agency behind the loan: F = FHA (Federal Housing Administration), V = VA (Department of Veterans Affairs), R = USDA (Department of Agriculture) Rural Development, N = Native American (Section 184). |
| dw.ginnie_terminated_loan | loan_purpose | smallint | Purpose: 1 purchase, 2 refinance, 3 modification under HAMP (Home Affordable Modification Program), 4 other modification, 5 re-performing. |
| dw.ginnie_terminated_loan | original_principal | numeric(15,2) | Original principal at pool issuance, in dollars, rounded down by Ginnie Mae to the thousand. |
| dw.ginnie_terminated_loan | upb | numeric(15,2) | Unpaid principal balance (UPB) as published, in dollars; empty in a loan's first six months in a pool. |
| dw.ginnie_terminated_loan | state_code | character(2) | Two-letter state of the property. |
| dw.ginnie_terminated_loan | removal_reason | smallint | For a liquidated loan: 1 payoff, 2 repurchase of a delinquent loan, 3 foreclosure with claim payment, 4 loss mitigation, 5 substitution, 6 other; empty for a terminated loan, and empty in every row loaded so far. |
| dw.ginnie_terminated_loan | liquidation_month | date | Month the loan was liquidated or, for a terminated loan, its pool terminated; stored as its first day. |
| dw.ginnie_terminated_loan | problematic | boolean | true = a known data problem is still open for this row; dw.data_note explains it. |
| dw.ginnie_terminated_loan | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.ginnie_terminated_loan | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.ginnie_watch_event | k_ginnie_watch_event | integer | The row's ID number in the warehouse. |
| dw.ginnie_watch_event | event_at | timestamp with time zone | When the notification was raised. |
| dw.ginnie_watch_event | kind | text | Subject: to_download (posted, not yet downloaded), at_risk (Ginnie Mae will replace the files within days), downloaded, token_missing, token_expired or token_renewal (the download login token is absent, out of date or near expiry), limit (download limit reached), info (anything else). |
| dw.ginnie_watch_event | loud | boolean | True = urgent: a person must act soon. |
| dw.ginnie_watch_event | title | text | Title of the notification. |
| dw.ginnie_watch_event | message | text | Text of the notification. |
| dw.ginnie_watch_event | files | integer | Number of files the notification is about; empty when not applicable. |
| dw.ginnie_watch_event | channels | text | Channels that delivered it, comma-separated: desktop, email, webhook (a message to another system); empty = none did. |
| dw.ginnie_watch_event | problematic | boolean | true = a known data problem is still open for this row; dw.data_note explains it. |
| dw.ginnie_watch_event | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.ginnie_watch_event | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.gleif_lei | k_gleif_lei | integer | The row's ID number in the warehouse. |
| dw.gleif_lei | lei | character(20) | The 20-character LEI (Legal Entity Identifier); links to dw.lender_source_id where id_type is LEI. |
| dw.gleif_lei | legal_name | text | Legal name of the entity as registered with GLEIF. |
| dw.gleif_lei | legal_city | text | City of the entity's legal (registered) address. |
| dw.gleif_lei | legal_region | text | State or region of the legal address, e.g. US-CA. |
| dw.gleif_lei | legal_country | character(2) | Country of the legal address, two-letter code (e.g. US). |
| dw.gleif_lei | legal_postal_code | text | Postal (ZIP) code of the legal address. |
| dw.gleif_lei | hq_city | text | City of the entity's headquarters address. |
| dw.gleif_lei | hq_region | text | State or region of the headquarters address, e.g. US-CA. |
| dw.gleif_lei | hq_country | character(2) | Country of the headquarters address, two-letter code. |
| dw.gleif_lei | hq_postal_code | text | Postal (ZIP) code of the headquarters address. |
| dw.gleif_lei | registration_authority_id | text | GLEIF code of the business register where the entity is registered, e.g. RA000602 Delaware. |
| dw.gleif_lei | registration_authority_entity_id | text | The entity's own number at that business register. |
| dw.gleif_lei | legal_jurisdiction | text | Jurisdiction under whose law the entity was formed, e.g. US-DE or US. |
| dw.gleif_lei | entity_category | text | GLEIF entity category, e.g. GENERAL, FUND, BRANCH, SOLE_PROPRIETOR. |
| dw.gleif_lei | entity_sub_category | text | GLEIF entity sub-category, given only for some categories; empty on every row loaded so far. |
| dw.gleif_lei | legal_form_code | text | Legal form as an international Entity Legal Form (ELF, ISO 20275) code; empty when other_legal_form describes it instead. |
| dw.gleif_lei | other_legal_form | text | Legal form in words when no ELF code applies; empty otherwise. |
| dw.gleif_lei | entity_status | text | Whether the entity still exists: ACTIVE or INACTIVE (e.g. dissolved or merged away). |
| dw.gleif_lei | entity_creation_dt | date | Date the entity was formed; empty when not given. |
| dw.gleif_lei | entity_expiration_dt | date | Date the entity ceased to exist; empty while it exists. |
| dw.gleif_lei | entity_expiration_reason | text | Why the entity ceased to exist, e.g. DISSOLVED or CORPORATE_ACTION (such as a merger); empty while it exists. |
| dw.gleif_lei | successor_lei | character(20) | LEI of the entity that succeeded this one, e.g. after a merger; empty when none. |
| dw.gleif_lei | successor_name | text | Name of that successor; empty when none. |
| dw.gleif_lei | initial_registration_dt | date | Date the LEI was first issued. |
| dw.gleif_lei | last_update_dt | date | Date the record was last changed. |
| dw.gleif_lei | registration_status | text | Status of the LEI registration: ISSUED (current), LAPSED (not renewed, so not re-validated), RETIRED, MERGED, DUPLICATE, ANNULLED and others. |
| dw.gleif_lei | next_renewal_dt | date | Date by which the record must next be renewed (re-validated). |
| dw.gleif_lei | managing_lou | character(20) | LEI of the Local Operating Unit (the LEI issuer) that manages the record. |
| dw.gleif_lei | validation_sources | text | How far the record was checked against an official source: FULLY_CORROBORATED, PARTIALLY_CORROBORATED or ENTITY_SUPPLIED_ONLY. |
| dw.gleif_lei | conformity_flag | text | Whether the record meets GLEIF's current data-quality requirements: CONFORMING, NON_CONFORMING or NOT_APPLICABLE. |
| dw.gleif_lei | golden_copy | text | GLEIF publication the row came from: a full-file publish ID (e.g. 20261007-0800), or 'api' plus a date when taken from GLEIF's API. |
| dw.gleif_lei | note | text | Explanation for a flagged row; these rows are not flagged, so it is empty. |
| dw.gleif_lei | k_source | integer | The GLEIF file (full file or API extract) this row was loaded from (see dw.source). |
| dw.gleif_lei | problematic | boolean | true = a known data problem is still open for this row; dw.data_note explains it. |
| dw.gleif_lei | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.gleif_lei | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.gleif_relationship | k_gleif_relationship | integer | The row's ID number in the warehouse. |
| dw.gleif_relationship | child_lei | character(20) | LEI of the child entity: the one consolidated, managed, or a branch or sub-fund. |
| dw.gleif_relationship | child_id_type | text | Kind of identifier in child_lei: LEI on every row. |
| dw.gleif_relationship | parent_lei | character(20) | LEI of the parent entity: the one that consolidates, manages or owns the child. |
| dw.gleif_relationship | parent_id_type | text | Kind of identifier in parent_lei: LEI on every row. |
| dw.gleif_relationship | relationship_type | text | Meaning of the link: IS_DIRECTLY_CONSOLIDATED_BY (closest parent whose consolidated accounts include the child), IS_ULTIMATELY_CONSOLIDATED_BY (the top such parent), IS_INTERNATIONAL_BRANCH_OF, IS_FUND-MANAGED_BY, IS_SUBFUND_OF or IS_FEEDER_TO. |
| dw.gleif_relationship | relationship_status | text | Whether the link still holds: ACTIVE or INACTIVE; empty where GLEIF gives none. |
| dw.gleif_relationship | relationship_start_dt | date | Date the link began; empty when not given. |
| dw.gleif_relationship | relationship_end_dt | date | Date the link ended; empty when still open or not given. |
| dw.gleif_relationship | accounting_start_dt | date | Start of the accounting period of the consolidated financial statements cited; empty when not given. |
| dw.gleif_relationship | accounting_end_dt | date | End of that accounting period; empty when not given. |
| dw.gleif_relationship | qualifier | text | Qualifiers of the link, e.g. ACCOUNTING_STANDARD=US_GAAP, separated by semicolons; empty when none. |
| dw.gleif_relationship | percent_owned | numeric | Ownership percentage (0 to 100) when the record gives one; empty otherwise. |
| dw.gleif_relationship | initial_registration_dt | date | Date the relationship record was first registered. |
| dw.gleif_relationship | last_update_dt | date | Date the record was last changed. |
| dw.gleif_relationship | registration_status | text | Status of the relationship record: PUBLISHED (current), LAPSED (not re-validated by its issuer), PENDING_TRANSFER, PENDING_ARCHIVAL and others. |
| dw.gleif_relationship | next_renewal_dt | date | Date by which the record must next be re-validated. |
| dw.gleif_relationship | managing_lou | character(20) | LEI of the Local Operating Unit (the LEI issuer) that manages the record. |
| dw.gleif_relationship | validation_sources | text | How far the link was checked against an official source: FULLY_CORROBORATED, PARTIALLY_CORROBORATED or ENTITY_SUPPLIED_ONLY. |
| dw.gleif_relationship | validation_documents | text | Kind of document used to validate it, e.g. ACCOUNTS_FILING or REGULATORY_FILING; empty when not given. |
| dw.gleif_relationship | validation_reference | text | Reference to that document, often a web address; empty when not given. |
| dw.gleif_relationship | golden_copy | text | GLEIF publication the row came from, e.g. 20261007-0800 (date and UTC time of the publish). |
| dw.gleif_relationship | note | text | Why the row is flagged: its registration is not current (not re-validated by its issuer); empty when not flagged. |
| dw.gleif_relationship | k_source | integer | The GLEIF relationship file this row was loaded from (see dw.source). |
| dw.gleif_relationship | problematic | boolean | true = a known data problem is still open for this row; dw.data_note explains it. Set when the registration status is not PUBLISHED, PENDING_TRANSFER or PENDING_ARCHIVAL (the parent was true when last validated, but nobody has re-confirmed it). |
| dw.gleif_relationship | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.gleif_relationship | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.gleif_reporting_exception | k_gleif_reporting_exception | integer | The row's ID number in the warehouse. |
| dw.gleif_reporting_exception | lei | character(20) | LEI of the entity that reports no parent; links to dw.gleif_lei and dw.lender_source_id. |
| dw.gleif_reporting_exception | exception_category | text | Which parent is not reported: DIRECT_ACCOUNTING_CONSOLIDATION_PARENT or ULTIMATE_ACCOUNTING_CONSOLIDATION_PARENT. |
| dw.gleif_reporting_exception | exception_reason | text | GLEIF's reason, e.g. NATURAL_PERSONS (owned by people), NON_CONSOLIDATING (the owner does not consolidate it), NO_KNOWN_PERSON, NO_LEI (the parent has none), NON_PUBLIC, CONSENT_NOT_OBTAINED; several are separated by semicolons. |
| dw.gleif_reporting_exception | exception_reference | text | Supporting references given with the exception; empty when none. |
| dw.gleif_reporting_exception | golden_copy | text | GLEIF publication the row came from, e.g. 20261007-0800 (date and UTC time of the publish). |
| dw.gleif_reporting_exception | note | text | Explanation for a flagged row; none are written, so it is empty. |
| dw.gleif_reporting_exception | k_source | integer | The GLEIF reporting-exception file this row was loaded from (see dw.source). |
| dw.gleif_reporting_exception | problematic | boolean | true = a known data problem is still open for this row; dw.data_note explains it. |
| dw.gleif_reporting_exception | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.gleif_reporting_exception | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.hmda_govt_county_year | k_hmda_govt_county_year | integer | The row's ID number in the warehouse. |
| dw.hmda_govt_county_year | year | smallint | HMDA activity year (the calendar year the loan was reported for), 2010 on. |
| dw.hmda_govt_county_year | county_fips | character(5) | Five-digit FIPS (federal numeric) code of the property's county, state plus county; empty for records with no county. |
| dw.hmda_govt_county_year | loan_type_group | text | fha = insured by the Federal Housing Administration; va = guaranteed by the Department of Veterans Affairs. |
| dw.hmda_govt_county_year | originated | integer | Number of originations of that loan type in the county and year (forward, first-lien, not multifamily). |
| dw.hmda_govt_county_year | originated_amount | numeric(16,0) | Total loan amount of those originations, in dollars. |
| dw.hmda_govt_county_year | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.hmda_govt_county_year | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.hmda_govt_county_year | problematic | boolean | Known open problem on this row (see dw.data_note) |
| dw.hmda_loan_area | k_hmda_loan_area | integer | The row's ID number in the warehouse. |
| dw.hmda_loan_area | year | smallint | HMDA activity year of the loans, 1990 on. |
| dw.hmda_loan_area | area_level | text | Kind of area: tract, county, state or national. |
| dw.hmda_loan_area | area_code | text | The area: the 2020 census tract the loan is placed in, the county FIPS (federal numeric) code, the state abbreviation, or US. |
| dw.hmda_loan_area | n_loans | integer | Number of qualifying home-purchase loans in the area and year. |
| dw.hmda_loan_area | low_count | boolean | True when under 5 loans: the row is kept, but its statistics rest on very few loans. |
| dw.hmda_loan_area | loan_amount_n | integer | Number of loan amounts behind the statistics (equals n_loans). |
| dw.hmda_loan_area | loan_amount_mean | numeric | Mean loan amount, dollars. |
| dw.hmda_loan_area | loan_amount_sd | numeric | Standard deviation of loan amount, dollars; empty when there is one loan. |
| dw.hmda_loan_area | loan_amount_min | numeric | Smallest loan amount, dollars. |
| dw.hmda_loan_area | loan_amount_p25 | numeric | 25th percentile of loan amount, dollars. |
| dw.hmda_loan_area | loan_amount_median | numeric | Median loan amount, dollars; the tract median is the denominator of mart.loan.loan_to_local_median. |
| dw.hmda_loan_area | loan_amount_p75 | numeric | 75th percentile of loan amount, dollars. |
| dw.hmda_loan_area | loan_amount_max | numeric | Largest loan amount, dollars. |
| dw.hmda_loan_area | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.hmda_loan_area | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.hmda_loan_area | problematic | boolean | true = a known data problem is still open for this row; dw.data_note explains it. |
| dw.hmda_value_area | k_hmda_value_area | integer | The row's ID number in the warehouse. |
| dw.hmda_value_area | year | smallint | HMDA activity year of the loans, 2018 on. |
| dw.hmda_value_area | area_level | text | Kind of area: tract (2020 census tract the loan was placed in), zip (that tract's main ZIP code), county, state or national. |
| dw.hmda_value_area | area_code | text | The area, by area_level: 11-digit 2020 census tract, 5-digit ZIP code, 5-digit county FIPS (federal numeric) code, state abbreviation, or US. |
| dw.hmda_value_area | n_loans | integer | Number of qualifying home-purchase loans in the area and year, whether or not each reports every field. |
| dw.hmda_value_area | low_count | boolean | True when fewer than 5 loans: kept, not dropped, so thinly served (often rural or low-income) areas are not silently missing. |
| dw.hmda_value_area | property_value_n | integer | Number of loans reporting property value (the count behind its statistics); HMDA reports value as the midpoint of a $10,000 band. |
| dw.hmda_value_area | property_value_mean | numeric | Mean property value, dollars. |
| dw.hmda_value_area | property_value_sd | numeric | Standard deviation of property value, dollars; empty when only one loan reports it. |
| dw.hmda_value_area | property_value_min | numeric | Lowest property value, dollars. |
| dw.hmda_value_area | property_value_p25 | numeric | 25th percentile of property value, dollars. |
| dw.hmda_value_area | property_value_median | numeric | Median property value, dollars; because values are reported as $10,000-band midpoints, medians move in $10,000 steps. |
| dw.hmda_value_area | property_value_p75 | numeric | 75th percentile of property value, dollars. |
| dw.hmda_value_area | property_value_max | numeric | Highest property value, dollars. |
| dw.hmda_value_area | loan_amount_n | integer | Number of loans reporting loan amount (the count behind its statistics). |
| dw.hmda_value_area | loan_amount_mean | numeric | Mean loan amount, dollars. |
| dw.hmda_value_area | loan_amount_sd | numeric | Standard deviation of loan amount, dollars; empty when only one loan reports it. |
| dw.hmda_value_area | loan_amount_min | numeric | Lowest loan amount, dollars. |
| dw.hmda_value_area | loan_amount_p25 | numeric | 25th percentile of loan amount, dollars. |
| dw.hmda_value_area | loan_amount_median | numeric | Median loan amount, dollars. |
| dw.hmda_value_area | loan_amount_p75 | numeric | 75th percentile of loan amount, dollars. |
| dw.hmda_value_area | loan_amount_max | numeric | Highest loan amount, dollars. |
| dw.hmda_value_area | income_n | integer | Number of loans reporting applicant income (the count behind its statistics). |
| dw.hmda_value_area | income_mean | numeric | Mean applicant income, dollars (HMDA files income in thousands; converted to dollars). |
| dw.hmda_value_area | income_sd | numeric | Standard deviation of applicant income, dollars; empty when only one loan reports it. |
| dw.hmda_value_area | income_min | numeric | Lowest applicant income, dollars (can be zero or negative as reported). |
| dw.hmda_value_area | income_p25 | numeric | 25th percentile of applicant income, dollars. |
| dw.hmda_value_area | income_median | numeric | Median applicant income, dollars. |
| dw.hmda_value_area | income_p75 | numeric | 75th percentile of applicant income, dollars. |
| dw.hmda_value_area | income_max | numeric | Highest applicant income, dollars. |
| dw.hmda_value_area | cltv_n | integer | Number of loans reporting combined loan-to-value ratio (the count behind its statistics). |
| dw.hmda_value_area | cltv_mean | numeric | Mean combined loan-to-value ratio (all loans secured by the property divided by its value), percent. |
| dw.hmda_value_area | cltv_sd | numeric | Standard deviation of combined loan-to-value ratio, percentage points; empty when only one loan reports it. |
| dw.hmda_value_area | cltv_min | numeric | Lowest combined loan-to-value ratio, percent. |
| dw.hmda_value_area | cltv_p25 | numeric | 25th percentile of combined loan-to-value ratio, percent. |
| dw.hmda_value_area | cltv_median | numeric | Median combined loan-to-value ratio, percent. |
| dw.hmda_value_area | cltv_p75 | numeric | 75th percentile of combined loan-to-value ratio, percent. |
| dw.hmda_value_area | cltv_max | numeric | Highest combined loan-to-value ratio, percent, as reported (extreme values are not trimmed). |
| dw.hmda_value_area | interest_rate_n | integer | Number of loans reporting interest rate (the count behind its statistics). |
| dw.hmda_value_area | interest_rate_mean | numeric | Mean interest rate, percent. |
| dw.hmda_value_area | interest_rate_sd | numeric | Standard deviation of interest rate, percentage points; empty when only one loan reports it. |
| dw.hmda_value_area | interest_rate_min | numeric | Lowest interest rate, percent. |
| dw.hmda_value_area | interest_rate_p25 | numeric | 25th percentile of interest rate, percent. |
| dw.hmda_value_area | interest_rate_median | numeric | Median interest rate, percent. |
| dw.hmda_value_area | interest_rate_p75 | numeric | 75th percentile of interest rate, percent. |
| dw.hmda_value_area | interest_rate_max | numeric | Highest interest rate, percent. |
| dw.hmda_value_area | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.hmda_value_area | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.hmda_value_area | problematic | boolean | true = a known problem is still open for this row; dw.data_note explains it |
| dw.hud_dda | k_hud_dda | integer | The row's ID number in the warehouse. |
| dw.hud_dda | designation_year | smallint | Year the designation takes effect (HUD publishes it the year before). |
| dw.hud_dda | area_type | text | metro_zcta (Small Area DDA candidate) or nonmetro_county. |
| dw.hud_dda | area_code | character(5) | ZIP Code Tabulation Area for metro rows, or 5-digit county FIPS (federal numeric) code for nonmetro rows. |
| dw.hud_dda | hud_area_code | text | HUD fair market rent (FMR) area code; several are joined with | when the area lies in more than one. |
| dw.hud_dda | hud_area_name | text | Name of the HUD fair market rent area, e.g. New York, NY HUD Metro FMR Area; several are joined with | when the area lies in more than one. |
| dw.hud_dda | population | integer | 2020 census population of the area. |
| dw.hud_dda | ranking_ratio | numeric(8,4) | Fair market rent divided by the Low-Income Housing Tax Credit (LIHTC) maximum rent; HUD designates the highest ratios, up to 20% of metro (or nonmetro) population. |
| dw.hud_dda | is_dda | boolean | True when the area (or any part of it) is designated. |
| dw.hud_dda | is_dda_partial | boolean | True when HUD lists the area in several parts (e.g. a ZCTA split between HUD areas or states) and only some parts are designated. |
| dw.hud_dda | source_rows | smallint | Rows of HUD's sheet combined into this one (an area crossing a HUD area or state boundary appears once per part). |
| dw.hud_dda | k_source | integer | HUD's workbook of the data used to designate that year's DDAs (see dw.source). |
| dw.hud_dda | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.hud_dda | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.hud_dda | problematic | boolean | true = a known problem is still open for this row; dw.data_note explains it |
| dw.hud_dda_tract_2020 | designation_year | smallint | Year the Difficult Development Area designation takes effect. |
| dw.hud_dda_tract_2020 | tract_code_2020 | character(11) | 2020 census tract, 11 digits (state, county, tract). |
| dw.hud_dda_tract_2020 | sdda_land_share | numeric | Share (0-1) of the tract's land in ZCTAs designated as Small Area DDAs that year; empty when none of its land is in one. |
| dw.hud_dda_tract_2020 | is_sdda | boolean | Small Area DDA: at least half of the tract's land lies in designated ZCTAs. |
| dw.hud_dda_tract_2020 | is_nonmetro_dda | boolean | True when the tract's county is a designated nonmetro DDA that year. |
| dw.hud_dda_tract_2020 | is_dda | boolean | True when the tract is in a DDA either way. |
| dw.hud_fmr | k_hud_fmr | integer | The row's ID number in the warehouse. |
| dw.hud_fmr | fiscal_year | smallint | HUD fiscal year the rents are for (FY2027 = 1 Oct 2026 to 30 Sep 2027). |
| dw.hud_fmr | fips10 | character(10) | HUD's 10-digit code: state, county and county subdivision; subdivision 99999 = the whole county. |
| dw.hud_fmr | county_fips | character(5) | 5-digit county FIPS (federal numeric) code: the first five digits of fips10. |
| dw.hud_fmr | county_sub | character(5) | County subdivision (New England town); 99999 for a whole county. |
| dw.hud_fmr | state_abbr | character(2) | Two-letter state abbreviation as HUD published it. |
| dw.hud_fmr | area_name | text | County or town name. |
| dw.hud_fmr | hud_area_code | text | HUD FMR area code, e.g. METRO33860M33860. |
| dw.hud_fmr | hud_area_name | text | Name of the HUD FMR area the county or town belongs to, e.g. Montgomery, AL MSA. |
| dw.hud_fmr | is_metro | boolean | HUD's metro flag: true for a metro area. |
| dw.hud_fmr | fmr_0br | integer | Efficiency (no-bedroom) Fair Market Rent, dollars per month. |
| dw.hud_fmr | fmr_1br | integer | One-bedroom Fair Market Rent, dollars per month. |
| dw.hud_fmr | fmr_2br | integer | Two-bedroom Fair Market Rent, dollars per month: the headline figure. |
| dw.hud_fmr | fmr_3br | integer | Three-bedroom Fair Market Rent, dollars per month. |
| dw.hud_fmr | fmr_4br | integer | Four-bedroom Fair Market Rent, dollars per month. |
| dw.hud_fmr | k_source | integer | HUD's Fair Market Rent file of the fiscal year (see dw.source). |
| dw.hud_fmr | problematic | boolean | true = a known problem is still open for this row; dw.data_note explains it |
| dw.hud_fmr | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.hud_fmr | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.hud_qct | k_hud_qct | integer | The row's ID number in the warehouse. |
| dw.hud_qct | designation_year | smallint | Year the designation takes effect (HUD publishes it the autumn before). |
| dw.hud_qct | tract_code | character(11) | Tract as HUD publishes it (2020 tracts; from 2025 Connecticut uses planning-region codes). |
| dw.hud_qct | tract_code_2020 | character(11) | The 2020 census tract in the warehouse's codes (Connecticut converted back from planning-region codes). |
| dw.hud_qct | county_fips | character(5) | 5-digit county FIPS (federal numeric) code as HUD publishes it (Connecticut planning regions from 2025). |
| dw.hud_qct | cbsa_code | text | HUD metro area code (CBSA, Core Based Statistical Area, or HUD fair market rent area); nonmetro rows carry HUD's 6-digit state nonmetro code. |
| dw.hud_qct | k_source | integer | HUD's list of that year's Qualified Census Tracts (see dw.source). |
| dw.hud_qct | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.hud_qct | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.hud_qct | problematic | boolean | true = a known problem is still open for this row; dw.data_note explains it |
| dw.hud_safmr | k_hud_safmr | integer | The row's ID number in the warehouse. |
| dw.hud_safmr | fiscal_year | smallint | HUD fiscal year the rents are for (FY2027 = 1 Oct 2026 to 30 Sep 2027), 2019-2027. |
| dw.hud_safmr | zip5 | character(5) | ZIP code (ZIP Code Tabulation Area in the later files) as published. |
| dw.hud_safmr | hud_area_code | text | HUD metro FMR area the ZIP belongs to; a ZIP crossing areas has a row per area. |
| dw.hud_safmr | hud_area_name | text | Name of the HUD metro FMR area, e.g. Abilene, TX MSA. |
| dw.hud_safmr | safmr_0br | integer | Efficiency (no-bedroom) Small Area Fair Market Rent, dollars per month. |
| dw.hud_safmr | safmr_1br | integer | One-bedroom Small Area Fair Market Rent, dollars per month. |
| dw.hud_safmr | safmr_2br | integer | Two-bedroom Small Area Fair Market Rent, dollars per month. |
| dw.hud_safmr | safmr_3br | integer | Three-bedroom Small Area Fair Market Rent, dollars per month. |
| dw.hud_safmr | safmr_4br | integer | Four-bedroom Small Area Fair Market Rent, dollars per month. |
| dw.hud_safmr | k_source | integer | HUD's Small Area Fair Market Rent file of the fiscal year (see dw.source). |
| dw.hud_safmr | problematic | boolean | true = a known problem is still open for this row; dw.data_note explains it |
| dw.hud_safmr | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.hud_safmr | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.income_score_2018 | k_income_score_2018 | bigint | The row's ID number in the warehouse. |
| dw.income_score_2018 | k_lar | bigint | The scored loan in dw.lar and mart.loan (with k_period). |
| dw.income_score_2018 | k_period | integer | Year of the data, as in mart.loan (the year itself, e.g. 2021). |
| dw.income_score_2018 | income | numeric | Applicant income as reported, in dollars, when the loan was scored. |
| dw.income_score_2018 | yhat | double precision | Income the model predicts from the loan's other fields (loan amount, property value, rate, terms, loan type, tract income and values, year, state), on the natural-log scale. |
| dw.income_score_2018 | resid | double precision | Natural log of reported income minus yhat; a value near a multiple of 2.30 (ln 10) suggests income entered in the wrong unit (x10, x100, x1000). |
| dw.income_score_2018 | debt_to_payment | double precision | Cross-check against the reported debt-to-income band: the monthly debt the band's midpoint implies at the reported income, divided by the loan's monthly payment; empty when rate, term or band is missing. |
| dw.income_score_2018 | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.income_score_2018 | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.income_score_2018 | problematic | boolean | true = a known data problem is still open for this row; dw.data_note explains it. |
| dw.irs_soi_zip | k_irs_soi_zip | integer | The row's ID number in the warehouse. |
| dw.irs_soi_zip | tax_year | smallint | Tax year of the returns, 2018-2022. |
| dw.irs_soi_zip | state_fips | character(2) | Two-digit state FIPS (federal numeric) code as the IRS published it. |
| dw.irs_soi_zip | state_abbr | character(2) | Two-letter state abbreviation as the IRS published it. |
| dw.irs_soi_zip | zip | character(5) | Five-digit USPS ZIP code from the returns (not a ZIP Code Tabulation Area); 99999 = the IRS's residual of ZIPs too small to publish in the state. |
| dw.irs_soi_zip | agi_stub | smallint | Income band: 0 all bands, 1 $1-25,000, 2 $25,000-50,000, 3 $50,000-75,000, 4 $75,000-100,000, 5 $100,000-200,000, 6 $200,000 or more. |
| dw.irs_soi_zip | returns | numeric | Number of returns. |
| dw.irs_soi_zip | returns_single | numeric | Number of single returns. |
| dw.irs_soi_zip | returns_joint | numeric | Number of joint returns (married filing jointly). |
| dw.irs_soi_zip | returns_head_of_household | numeric | Number of head-of-household returns. |
| dw.irs_soi_zip | individuals | numeric | Number of individuals (exemptions basis). |
| dw.irs_soi_zip | agi_k | numeric | Adjusted gross income, thousands of dollars. |
| dw.irs_soi_zip | total_income_k | numeric | Total income, thousands of dollars. |
| dw.irs_soi_zip | wage_returns | numeric | Number of returns with salaries and wages. |
| dw.irs_soi_zip | wages_k | numeric | Salaries and wages, thousands of dollars. |
| dw.irs_soi_zip | interest_k | numeric | Taxable interest, thousands of dollars. |
| dw.irs_soi_zip | dividends_k | numeric | Ordinary dividends, thousands of dollars. |
| dw.irs_soi_zip | business_income_k | numeric | Business or professional net income (less loss), thousands of dollars. |
| dw.irs_soi_zip | capital_gain_k | numeric | Net capital gain (less loss), thousands of dollars. |
| dw.irs_soi_zip | itemized_returns | numeric | Number of returns with itemized deductions. |
| dw.irs_soi_zip | mortgage_interest_returns | numeric | Number of returns deducting home mortgage interest paid (itemizers only). |
| dw.irs_soi_zip | mortgage_interest_k | numeric | Home mortgage interest paid and deducted, thousands of dollars. |
| dw.irs_soi_zip | real_estate_tax_returns | numeric | Number of returns deducting real estate taxes (itemizers only). |
| dw.irs_soi_zip | real_estate_tax_k | numeric | Real estate taxes deducted, thousands of dollars. |
| dw.irs_soi_zip | eitc_returns | numeric | Number of returns with the earned income tax credit (EITC). |
| dw.irs_soi_zip | eitc_k | numeric | Earned income tax credit amount, thousands of dollars. |
| dw.irs_soi_zip | total_tax_k | numeric | Total tax liability, thousands of dollars. |
| dw.irs_soi_zip | k_source | integer | The IRS Statistics of Income ZIP file of the tax year (see dw.source). |
| dw.irs_soi_zip | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.irs_soi_zip | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.irs_soi_zip | problematic | boolean | true = a known problem is still open for this row; dw.data_note explains it |
| dw.lar | k_lar | bigint | The record's ID number in the warehouse. |
| dw.lar | k_period | integer | Year of the data, as a key to dw.period (a warehouse number; dw.period.year gives the year). |
| dw.lar | k_source | integer | The published LAR (Loan/Application Register) file the record was read from (see dw.source). |
| dw.lar | k_lender | integer | The lender that filed the record (dw.lender), found from the ID it filed under: LEI (Legal Entity Identifier) from 2018, the HMDA respondent ID (ARID, agency code plus respondent ID) before; a lender merge can move the record to the surviving lender. |
| dw.lar | k_geo_state | integer | The property's state (dw.geo_state) as filed; empty when no valid state was given. Repairs of mis-keyed county codes can change it (dw.lar_geo_repair). |
| dw.lar | k_geo_county | integer | The property's county (dw.geo_county), by 5-digit FIPS (federal numeric) code as filed; empty when none. Mis-keyed 1990-2003 codes were repaired where the evidence allowed (dw.lar_geo_repair). |
| dw.lar | k_geo_tract | integer | The property's census tract (dw.geo_tract) in that year's census boundaries (1980 tracts in 1990-1991, 1990 in 1992-2002, 2000 in 2003-2011, 2010 in 2012-2021, 2020 from 2022); empty when no valid tract was filed. |
| dw.lar | k_geo_msa | integer | The metro area (dw.geo_msa): the MSA/MD (metropolitan statistical area or metropolitan division) code on the record; 99999 = not in a metro area; empty when none was filed. |
| dw.lar | k_loan_profile | integer | Loan type, purpose, lien, occupancy and property type of the record (dw.loan_profile). |
| dw.lar | k_applicant_profile | integer | Derived race, ethnicity, sex, age band and co-applicant presence (dw.applicant_profile). |
| dw.lar | k_action | integer | What happened to the application (dw.action): originated, denied, withdrawn, purchased and so on; 0 = blank or invalid code in the file. |
| dw.lar | loan_amount | numeric | Loan amount in dollars in every year (files before 2018 report thousands and are converted). |
| dw.lar | property_value | numeric | Value of the property relied on in the credit decision, in dollars, as the midpoint of its $10,000 band; 2018 on; empty before 2018, when not reported, or under the [partial exemption](#term:partialExemption). |
| dw.lar | income_000s | numeric | Applicant income in thousands of dollars, as filed. |
| dw.lar | interest_rate | numeric | Interest rate on the loan, percent (e.g. 6.375); 2018 on; empty when not applicable or under the [partial exemption](#term:partialExemption). |
| dw.lar | rate_spread | numeric | The loan's [rate spread](#term:rateSpread): APR (annual percentage rate) minus the average prime offer rate; before 2018 reported only above thresholds. |
| dw.lar | combined_ltv | numeric | Combined loan-to-value ratio: all debt secured by the property as a percent of its value (80 = 80%); 2018 on. |
| dw.lar | debt_to_income_band | text | Debt-to-income ratio in published bands (<20%, 20%-<30%, 30%-<36%, single values 36 to 49, 50%-60%, >60%); a lender using the 2018 [partial exemption](#term:partialExemption) shows Exempt; 2018 on. |
| dw.lar | loan_term | integer | Loan term in months (360 = 30 years); 2018 on; empty when not applicable or under the [partial exemption](#term:partialExemption). |
| dw.lar | total_loan_costs | numeric | Total loan costs from the closing disclosure, in dollars; 2018 on, mostly closed-end originations; empty otherwise or under the [partial exemption](#term:partialExemption). |
| dw.lar | total_points_and_fees | numeric | Total points and fees charged, in dollars, reported mainly for open-end and other loans without a closing disclosure; 2018 on; empty otherwise or under the [partial exemption](#term:partialExemption). |
| dw.lar | origination_charges | numeric | Borrower-paid origination charges at or before closing, in dollars; 2018 on; empty otherwise or under the [partial exemption](#term:partialExemption). |
| dw.lar | discount_points | numeric | Points paid to the lender to lower the interest rate, in dollars; 2018 on; empty when none, not applicable or under the [partial exemption](#term:partialExemption). |
| dw.lar | lender_credits | numeric | Lender credits toward closing costs, in dollars; 2018 on; empty when none, not applicable or under the [partial exemption](#term:partialExemption). |
| dw.lar | purchaser_type | smallint | Who bought the loan in the same year: 0 not sold, 1 Fannie Mae, 2 Ginnie Mae, 3 Freddie Mac, 4 Farmer Mac, 5-9 other buyers whose codes differ by era (labels in dw.code). |
| dw.lar | preapproval | smallint | Preapproval requested on a home purchase loan: 1 requested, 2 not requested, 3 not applicable (2004-2017); 2004 on. |
| dw.lar | hoepa_status | smallint | High-cost mortgage under HOEPA (the Home Ownership and Equity Protection Act): 1 high-cost, 2 not high-cost, 3 not applicable (2018 on); 2004 on. |
| dw.lar | prepayment_penalty_term | integer | Length of any prepayment penalty, in months; 2018 on; empty when none, not applicable or under the [partial exemption](#term:partialExemption). |
| dw.lar | intro_rate_period | integer | Months until an adjustable interest rate can first change; 2018 on; empty for fixed-rate loans, when not applicable or under the [partial exemption](#term:partialExemption). |
| dw.lar | negative_amortization | smallint | Terms allow the balance to grow (negative amortization): 1 yes, 2 no, 1111 not reported under the [partial exemption](#term:partialExemption); 2018 on. |
| dw.lar | interest_only_payment | smallint | Terms include interest-only payments: 1 yes, 2 no, 1111 not reported under the [partial exemption](#term:partialExemption); 2018 on. |
| dw.lar | balloon_payment | smallint | Terms include a balloon payment: 1 yes, 2 no, 1111 not reported under the [partial exemption](#term:partialExemption); 2018 on. |
| dw.lar | other_nonamortizing_features | smallint | Terms allow other payments that do not fully pay down the loan: 1 yes, 2 no, 1111 not reported under the [partial exemption](#term:partialExemption); 2018 on. |
| dw.lar | total_units | text | Dwelling units securing the loan: 1, 2, 3, 4, then bands 5-24, 25-49, 50-99, 100-149, >149 (text); 2018 on. |
| dw.lar | multifamily_affordable_units | numeric | Multifamily properties: income-restricted affordable units as a whole-number percent of total_units; 2018 on; empty otherwise, when not applicable or under the [partial exemption](#term:partialExemption). |
| dw.lar | manufactured_home_secured_property_type | smallint | Manufactured homes: 1 secured by the home and land, 2 by the home only, 3 not applicable, 1111 not reported under the [partial exemption](#term:partialExemption); 2018 on. |
| dw.lar | manufactured_home_land_property_interest | smallint | Manufactured homes, the borrower's interest in the land: 1 direct ownership, 2 indirect ownership, 3 paid leasehold, 4 unpaid leasehold, 5 not applicable, 1111 not reported under the [partial exemption](#term:partialExemption); 2018 on. |
| dw.lar | applicant_race_1 | smallint | Applicant's first race: 1 American Indian or Alaska Native, 2 Asian, 3 Black or African American, 4 Native Hawaiian or Other Pacific Islander, 5 White, 6 not provided, 7 not applicable; Asian and Pacific Islander subgroups from 2018. For 1990-2003, when Hispanic was a race code, Hispanic and Other are empty here and Hispanic appears in applicant_ethnicity_1. |
| dw.lar | applicant_race_2 | smallint | Applicant's second race, when more than one was reported (codes as applicant_race_1); 2004 on. |
| dw.lar | applicant_race_3 | smallint | Applicant's third race, when more than one was reported (codes as applicant_race_1); 2004 on. |
| dw.lar | applicant_race_4 | smallint | Applicant's fourth race, when more than one was reported (codes as applicant_race_1); 2004 on. |
| dw.lar | applicant_race_5 | smallint | Applicant's fifth race, when more than one was reported (codes as applicant_race_1); 2004 on. |
| dw.lar | co_applicant_race_1 | smallint | First co-applicant's first race (codes as applicant_race_1, plus 8 no co-applicant); 1990-2003 recoded the same way. |
| dw.lar | co_applicant_race_2 | smallint | First co-applicant's second race, when more than one was reported (codes as applicant_race_1); 2004 on. |
| dw.lar | co_applicant_race_3 | smallint | First co-applicant's third race, when more than one was reported (codes as applicant_race_1); 2004 on. |
| dw.lar | co_applicant_race_4 | smallint | First co-applicant's fourth race, when more than one was reported (codes as applicant_race_1); 2004 on. |
| dw.lar | co_applicant_race_5 | smallint | First co-applicant's fifth race, when more than one was reported (codes as applicant_race_1); 2004 on. |
| dw.lar | applicant_ethnicity_1 | smallint | Applicant's ethnicity: 1 Hispanic or Latino, 2 not Hispanic or Latino, 3 not provided, 4 not applicable; Hispanic subgroups 11-14 from 2018; for 1990-2003 derived from the race code. |
| dw.lar | applicant_ethnicity_2 | smallint | Applicant's second ethnicity, when more than one was reported (1 Hispanic or Latino, 11-14 Hispanic subgroups, 2 not Hispanic or Latino); 2018 on. |
| dw.lar | applicant_ethnicity_3 | smallint | Applicant's third ethnicity, when more than one was reported (1 Hispanic or Latino, 11-14 Hispanic subgroups, 2 not Hispanic or Latino); 2018 on. |
| dw.lar | applicant_ethnicity_4 | smallint | Applicant's fourth ethnicity, when more than one was reported (1 Hispanic or Latino, 11-14 Hispanic subgroups, 2 not Hispanic or Latino); 2018 on. |
| dw.lar | applicant_ethnicity_5 | smallint | Applicant's fifth ethnicity, when more than one was reported (1 Hispanic or Latino, 11-14 Hispanic subgroups, 2 not Hispanic or Latino); 2018 on. |
| dw.lar | co_applicant_ethnicity_1 | smallint | First co-applicant's ethnicity (codes as applicant_ethnicity_1, plus 5 no co-applicant); for 1990-2003 derived from the race code. |
| dw.lar | co_applicant_ethnicity_2 | smallint | First co-applicant's second ethnicity, when more than one was reported (codes as applicant_ethnicity_2); 2018 on. |
| dw.lar | co_applicant_ethnicity_3 | smallint | First co-applicant's third ethnicity, when more than one was reported (codes as applicant_ethnicity_2); 2018 on. |
| dw.lar | co_applicant_ethnicity_4 | smallint | First co-applicant's fourth ethnicity, when more than one was reported (codes as applicant_ethnicity_2); 2018 on. |
| dw.lar | co_applicant_ethnicity_5 | smallint | First co-applicant's fifth ethnicity, when more than one was reported (codes as applicant_ethnicity_2); 2018 on. |
| dw.lar | applicant_race_observed | smallint | Applicant's race collected by visual observation or surname: 1 yes, 2 no, 3 not applicable; 2018 on. |
| dw.lar | co_applicant_race_observed | smallint | First co-applicant's race collected by visual observation or surname: 1 yes, 2 no, 3 not applicable, 4 no co-applicant; 2018 on. |
| dw.lar | applicant_ethnicity_observed | smallint | Applicant's ethnicity collected by visual observation or surname: 1 yes, 2 no, 3 not applicable; 2018 on. |
| dw.lar | co_applicant_ethnicity_observed | smallint | First co-applicant's ethnicity collected by visual observation or surname: 1 yes, 2 no, 3 not applicable, 4 no co-applicant; 2018 on. |
| dw.lar | applicant_sex | smallint | Applicant's sex as filed: 1 male, 2 female, 3 not provided, 4 not applicable, 6 both selected (2018 on); all years. |
| dw.lar | co_applicant_sex | smallint | First co-applicant's sex: 1 male, 2 female, 3 not provided, 4 not applicable, 5 no co-applicant (2004 on; before 2004 such records carry 4), 6 both selected (2018 on). |
| dw.lar | applicant_sex_observed | smallint | Applicant's sex collected by visual observation or surname: 1 yes, 2 no, 3 not applicable; 2018 on. |
| dw.lar | co_applicant_sex_observed | smallint | First co-applicant's sex collected by visual observation or surname: 1 yes, 2 no, 3 not applicable, 4 no co-applicant; 2018 on. |
| dw.lar | applicant_age | text | Applicant's age band: <25, 25-34, 35-44, 45-54, 55-64, 65-74, >74, or 8888 not applicable (text); 2018 on. |
| dw.lar | co_applicant_age | text | First co-applicant's age band: <25 to >74, 8888 not applicable or 9999 no co-applicant (text); 2018 on. |
| dw.lar | applicant_credit_score_type | smallint | Credit scoring model used for the applicant: 1 Equifax Beacon 5.0, 2 Experian Fair Isaac, 3 FICO Classic 04, 4 FICO Classic 98, 5 VantageScore 2.0, 6 VantageScore 3.0, 7 more than one, 8 other, 9 not applicable, 1111 not reported under the [partial exemption](#term:partialExemption) (later files also have 11); 2018 on. |
| dw.lar | co_applicant_credit_score_type | smallint | Credit scoring model used for the first co-applicant (codes as applicant_credit_score_type, plus 10 no co-applicant); 2018 on. |
| dw.lar | aus_1 | smallint | First automated underwriting system (AUS) used: 1 Desktop Underwriter (Fannie Mae), 2 Loan Product Advisor (Freddie Mac), 3 TOTAL Scorecard (FHA, Federal Housing Administration), 4 GUS (USDA, Department of Agriculture), 5 other, 7 internal proprietary system, 6 not applicable, 1111 not reported under the [partial exemption](#term:partialExemption); 2018 on. |
| dw.lar | aus_2 | smallint | Second automated underwriting system (AUS) used (codes as aus_1, without 6 and 1111); empty when no further system was used; 2018 on. |
| dw.lar | aus_3 | smallint | Third automated underwriting system (AUS) used (codes as aus_1, without 6 and 1111); empty when no further system was used; 2018 on. |
| dw.lar | aus_4 | smallint | Fourth automated underwriting system (AUS) used (codes as aus_1, without 6 and 1111); empty when no further system was used; 2018 on. |
| dw.lar | aus_5 | smallint | Fifth automated underwriting system (AUS) used (codes as aus_1, without 6 and 1111); empty when no further system was used; 2018 on. |
| dw.lar | submission_of_application | smallint | Application submitted directly to the filing institution: 1 yes, 2 no (e.g. through a broker), 3 not applicable, 1111 not reported under the [partial exemption](#term:partialExemption); 2018 on. |
| dw.lar | initially_payable_to_institution | smallint | Loan initially payable (or would have been) to the filing institution: 1 yes, 2 no, 3 not applicable, 1111 not reported under the [partial exemption](#term:partialExemption); 2018 on. |
| dw.lar | edit_status | smallint | Files before 2018 only: edit failures found on the record, 5 validity, 6 quality, 7 both; blank for none. |
| dw.lar | sequence_number | integer | The filer's own running number for the record, unique within the lender and year; 1990-2016 only. |
| dw.lar | application_date_indicator | smallint | When the application was taken: 0 on or after 1 January 2004, 1 before 2004, 2 not available; 2007-2016 only (the CFPB, Consumer Financial Protection Bureau, files). |
| dw.lar | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.lar | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.lar | problematic | boolean | true = a known problem is still open for this row; dw.data_note explains it |
| dw.lar | adjusted | boolean | True = a published value on this row was changed; the original row is in dw.lar_original. |
| dw.lar_core | k_lar | bigint | The record's ID number in the warehouse. |
| dw.lar_core | k_period | integer | Year of the data, as a key to dw.period (a warehouse number; dw.period.year gives the year). |
| dw.lar_core | k_source | integer | The published LAR (Loan/Application Register) file the record was read from (see dw.source). |
| dw.lar_core | k_lender | integer | The lender that filed the record (dw.lender), found from the ID it filed under: LEI (Legal Entity Identifier) from 2018, the HMDA respondent ID (ARID, agency code plus respondent ID) before; a lender merge can move the record to the surviving lender. |
| dw.lar_core | k_geo_state | integer | The property's state (dw.geo_state) as filed; empty when no valid state was given. Repairs of mis-keyed county codes can change it (dw.lar_geo_repair). |
| dw.lar_core | k_geo_county | integer | The property's county (dw.geo_county), by 5-digit FIPS (federal numeric) code as filed; empty when none. Mis-keyed 1990-2003 codes were repaired where the evidence allowed (dw.lar_geo_repair). |
| dw.lar_core | k_geo_tract | integer | The property's census tract (dw.geo_tract) in that year's census boundaries (1980 tracts in 1990-1991, 1990 in 1992-2002, 2000 in 2003-2011, 2010 in 2012-2021, 2020 from 2022); empty when no valid tract was filed. |
| dw.lar_core | k_geo_msa | integer | The metro area (dw.geo_msa): the MSA/MD (metropolitan statistical area or metropolitan division) code on the record; 99999 = not in a metro area; empty when none was filed. |
| dw.lar_core | k_loan_profile | integer | Loan type, purpose, lien, occupancy and property type of the record (dw.loan_profile). |
| dw.lar_core | k_applicant_profile | integer | Derived race, ethnicity, sex, age band and co-applicant presence (dw.applicant_profile). |
| dw.lar_core | k_action | integer | What happened to the application (dw.action): originated, denied, withdrawn, purchased and so on; 0 = blank or invalid code in the file. |
| dw.lar_core | loan_amount | numeric | Loan amount, or amount applied for, in dollars in every year (files before 2018 report thousands and are converted). |
| dw.lar_core | property_value | numeric | Value of the property relied on in the credit decision, in dollars, as the midpoint of its $10,000 band; 2018 on; empty before 2018, when not reported, or under the [partial exemption](#term:partialExemption). |
| dw.lar_core | income_000s | numeric | Gross annual income relied on in the credit decision, in thousands of dollars, as filed; empty when not reported. |
| dw.lar_core | interest_rate | numeric | Interest rate on the loan, percent (e.g. 6.375); 2018 on; empty when not applicable or under the [partial exemption](#term:partialExemption). |
| dw.lar_core | rate_spread | numeric | The loan's [rate spread](#term:rateSpread): APR (annual percentage rate) minus APOR (average prime offer rate) for a comparable loan, in percentage points; 2004-2017 only above the high-price thresholds, from 2018 for most originations; empty before 2004. |
| dw.lar_core | combined_ltv | numeric | Combined loan-to-value ratio: all debt secured by the property as a percent of its value (80 = 80%); 2018 on. |
| dw.lar_core | debt_to_income_band | text | Debt-to-income ratio in published bands (<20%, 20%-<30%, 30%-<36%, single values 36 to 49, 50%-60%, >60%); a lender using the 2018 [partial exemption](#term:partialExemption) shows Exempt; 2018 on. |
| dw.lar_core | loan_term | integer | Loan term in months (360 = 30 years); 2018 on; empty when not applicable or under the [partial exemption](#term:partialExemption). |
| dw.lar_core | total_loan_costs | numeric | Total loan costs from the closing disclosure, in dollars; 2018 on, mostly closed-end originations; empty otherwise or under the [partial exemption](#term:partialExemption). |
| dw.lar_core | total_points_and_fees | numeric | Total points and fees charged, in dollars, reported mainly for open-end and other loans without a closing disclosure; 2018 on; empty otherwise or under the [partial exemption](#term:partialExemption). |
| dw.lar_core | origination_charges | numeric | Borrower-paid origination charges at or before closing, in dollars; 2018 on; empty otherwise or under the [partial exemption](#term:partialExemption). |
| dw.lar_core | discount_points | numeric | Points paid to the lender to lower the interest rate, in dollars; 2018 on; empty when none, not applicable or under the [partial exemption](#term:partialExemption). |
| dw.lar_core | lender_credits | numeric | Lender credits toward closing costs, in dollars; 2018 on; empty when none, not applicable or under the [partial exemption](#term:partialExemption). |
| dw.lar_core | purchaser_type | smallint | Who bought the loan in the same year: 0 not sold, 1 Fannie Mae, 2 Ginnie Mae, 3 Freddie Mac, 4 Farmer Mac, 5-9 other buyers whose codes differ by era (labels in dw.code). |
| dw.lar_core | preapproval | smallint | Preapproval requested on a home purchase loan: 1 requested, 2 not requested, 3 not applicable (2004-2017); 2004 on. |
| dw.lar_core | hoepa_status | smallint | High-cost mortgage under HOEPA (the Home Ownership and Equity Protection Act): 1 high-cost, 2 not high-cost, 3 not applicable (2018 on); 2004 on. |
| dw.lar_core | prepayment_penalty_term | integer | Length of any prepayment penalty, in months; 2018 on; empty when none, not applicable or under the [partial exemption](#term:partialExemption). |
| dw.lar_core | intro_rate_period | integer | Months until an adjustable interest rate can first change; 2018 on; empty for fixed-rate loans, when not applicable or under the [partial exemption](#term:partialExemption). |
| dw.lar_core | negative_amortization | smallint | Terms allow the balance to grow (negative amortization): 1 yes, 2 no, 1111 not reported under the [partial exemption](#term:partialExemption); 2018 on. |
| dw.lar_core | interest_only_payment | smallint | Terms include interest-only payments: 1 yes, 2 no, 1111 not reported under the [partial exemption](#term:partialExemption); 2018 on. |
| dw.lar_core | balloon_payment | smallint | Terms include a balloon payment: 1 yes, 2 no, 1111 not reported under the [partial exemption](#term:partialExemption); 2018 on. |
| dw.lar_core | other_nonamortizing_features | smallint | Terms allow other payments that do not fully pay down the loan: 1 yes, 2 no, 1111 not reported under the [partial exemption](#term:partialExemption); 2018 on. |
| dw.lar_core | total_units | text | Dwelling units securing the loan: 1, 2, 3, 4, then bands 5-24, 25-49, 50-99, 100-149, >149 (text); 2018 on. |
| dw.lar_core | multifamily_affordable_units | numeric | Multifamily properties: income-restricted affordable units as a whole-number percent of total_units; 2018 on; empty otherwise, when not applicable or under the [partial exemption](#term:partialExemption). |
| dw.lar_core | manufactured_home_secured_property_type | smallint | Manufactured homes: 1 secured by the home and land, 2 by the home only, 3 not applicable, 1111 not reported under the [partial exemption](#term:partialExemption); 2018 on. |
| dw.lar_core | manufactured_home_land_property_interest | smallint | Manufactured homes, the borrower's interest in the land: 1 direct ownership, 2 indirect ownership, 3 paid leasehold, 4 unpaid leasehold, 5 not applicable, 1111 not reported under the [partial exemption](#term:partialExemption); 2018 on. |
| dw.lar_core | applicant_race_1 | smallint | Applicant's first race: 1 American Indian or Alaska Native, 2 Asian, 3 Black or African American, 4 Native Hawaiian or Other Pacific Islander, 5 White, 6 not provided, 7 not applicable; Asian and Pacific Islander subgroups from 2018. For 1990-2003, when Hispanic was a race code, Hispanic and Other are empty here and Hispanic appears in applicant_ethnicity_1. |
| dw.lar_core | applicant_race_2 | smallint | Applicant's second race, when more than one was reported (codes as applicant_race_1); 2004 on. |
| dw.lar_core | applicant_race_3 | smallint | Applicant's third race, when more than one was reported (codes as applicant_race_1); 2004 on. |
| dw.lar_core | applicant_race_4 | smallint | Applicant's fourth race, when more than one was reported (codes as applicant_race_1); 2004 on. |
| dw.lar_core | applicant_race_5 | smallint | Applicant's fifth race, when more than one was reported (codes as applicant_race_1); 2004 on. |
| dw.lar_core | co_applicant_race_1 | smallint | First co-applicant's first race (codes as applicant_race_1, plus 8 no co-applicant); 1990-2003 recoded the same way. |
| dw.lar_core | co_applicant_race_2 | smallint | First co-applicant's second race, when more than one was reported (codes as applicant_race_1); 2004 on. |
| dw.lar_core | co_applicant_race_3 | smallint | First co-applicant's third race, when more than one was reported (codes as applicant_race_1); 2004 on. |
| dw.lar_core | co_applicant_race_4 | smallint | First co-applicant's fourth race, when more than one was reported (codes as applicant_race_1); 2004 on. |
| dw.lar_core | co_applicant_race_5 | smallint | First co-applicant's fifth race, when more than one was reported (codes as applicant_race_1); 2004 on. |
| dw.lar_core | applicant_ethnicity_1 | smallint | Applicant's ethnicity: 1 Hispanic or Latino, 2 not Hispanic or Latino, 3 not provided, 4 not applicable; Hispanic subgroups 11-14 from 2018; for 1990-2003 derived from the race code. |
| dw.lar_core | applicant_ethnicity_2 | smallint | Applicant's second ethnicity, when more than one was reported (1 Hispanic or Latino, 11-14 Hispanic subgroups, 2 not Hispanic or Latino); 2018 on. |
| dw.lar_core | applicant_ethnicity_3 | smallint | Applicant's third ethnicity, when more than one was reported (1 Hispanic or Latino, 11-14 Hispanic subgroups, 2 not Hispanic or Latino); 2018 on. |
| dw.lar_core | applicant_ethnicity_4 | smallint | Applicant's fourth ethnicity, when more than one was reported (1 Hispanic or Latino, 11-14 Hispanic subgroups, 2 not Hispanic or Latino); 2018 on. |
| dw.lar_core | applicant_ethnicity_5 | smallint | Applicant's fifth ethnicity, when more than one was reported (1 Hispanic or Latino, 11-14 Hispanic subgroups, 2 not Hispanic or Latino); 2018 on. |
| dw.lar_core | co_applicant_ethnicity_1 | smallint | First co-applicant's ethnicity (codes as applicant_ethnicity_1, plus 5 no co-applicant); for 1990-2003 derived from the race code. |
| dw.lar_core | co_applicant_ethnicity_2 | smallint | First co-applicant's second ethnicity, when more than one was reported (codes as applicant_ethnicity_2); 2018 on. |
| dw.lar_core | co_applicant_ethnicity_3 | smallint | First co-applicant's third ethnicity, when more than one was reported (codes as applicant_ethnicity_2); 2018 on. |
| dw.lar_core | co_applicant_ethnicity_4 | smallint | First co-applicant's fourth ethnicity, when more than one was reported (codes as applicant_ethnicity_2); 2018 on. |
| dw.lar_core | co_applicant_ethnicity_5 | smallint | First co-applicant's fifth ethnicity, when more than one was reported (codes as applicant_ethnicity_2); 2018 on. |
| dw.lar_core | applicant_race_observed | smallint | Applicant's race collected by visual observation or surname: 1 yes, 2 no, 3 not applicable; 2018 on. |
| dw.lar_core | co_applicant_race_observed | smallint | First co-applicant's race collected by visual observation or surname: 1 yes, 2 no, 3 not applicable, 4 no co-applicant; 2018 on. |
| dw.lar_core | applicant_ethnicity_observed | smallint | Applicant's ethnicity collected by visual observation or surname: 1 yes, 2 no, 3 not applicable; 2018 on. |
| dw.lar_core | co_applicant_ethnicity_observed | smallint | First co-applicant's ethnicity collected by visual observation or surname: 1 yes, 2 no, 3 not applicable, 4 no co-applicant; 2018 on. |
| dw.lar_core | applicant_sex | smallint | Applicant's sex as filed: 1 male, 2 female, 3 not provided, 4 not applicable, 6 both selected (2018 on); all years. |
| dw.lar_core | co_applicant_sex | smallint | First co-applicant's sex: 1 male, 2 female, 3 not provided, 4 not applicable, 5 no co-applicant (2004 on; before 2004 such records carry 4), 6 both selected (2018 on). |
| dw.lar_core | applicant_sex_observed | smallint | Applicant's sex collected by visual observation or surname: 1 yes, 2 no, 3 not applicable; 2018 on. |
| dw.lar_core | co_applicant_sex_observed | smallint | First co-applicant's sex collected by visual observation or surname: 1 yes, 2 no, 3 not applicable, 4 no co-applicant; 2018 on. |
| dw.lar_core | applicant_age | text | Applicant's age band: <25, 25-34, 35-44, 45-54, 55-64, 65-74, >74, or 8888 not applicable (text); 2018 on. |
| dw.lar_core | co_applicant_age | text | First co-applicant's age band: <25 to >74, 8888 not applicable or 9999 no co-applicant (text); 2018 on. |
| dw.lar_core | applicant_credit_score_type | smallint | Credit scoring model used for the applicant: 1 Equifax Beacon 5.0, 2 Experian Fair Isaac, 3 FICO Classic 04, 4 FICO Classic 98, 5 VantageScore 2.0, 6 VantageScore 3.0, 7 more than one, 8 other, 9 not applicable, 1111 not reported under the [partial exemption](#term:partialExemption) (later files also have 11); 2018 on. |
| dw.lar_core | co_applicant_credit_score_type | smallint | Credit scoring model used for the first co-applicant (codes as applicant_credit_score_type, plus 10 no co-applicant); 2018 on. |
| dw.lar_core | aus_1 | smallint | First automated underwriting system (AUS) used: 1 Desktop Underwriter (Fannie Mae), 2 Loan Product Advisor (Freddie Mac), 3 TOTAL Scorecard (FHA, Federal Housing Administration), 4 GUS (USDA, Department of Agriculture), 5 other, 7 internal proprietary system, 6 not applicable, 1111 not reported under the [partial exemption](#term:partialExemption); 2018 on. |
| dw.lar_core | aus_2 | smallint | Second automated underwriting system (AUS) used (codes as aus_1, without 6 and 1111); empty when no further system was used; 2018 on. |
| dw.lar_core | aus_3 | smallint | Third automated underwriting system (AUS) used (codes as aus_1, without 6 and 1111); empty when no further system was used; 2018 on. |
| dw.lar_core | aus_4 | smallint | Fourth automated underwriting system (AUS) used (codes as aus_1, without 6 and 1111); empty when no further system was used; 2018 on. |
| dw.lar_core | aus_5 | smallint | Fifth automated underwriting system (AUS) used (codes as aus_1, without 6 and 1111); empty when no further system was used; 2018 on. |
| dw.lar_core | submission_of_application | smallint | Application submitted directly to the filing institution: 1 yes, 2 no (e.g. through a broker), 3 not applicable, 1111 not reported under the [partial exemption](#term:partialExemption); 2018 on. |
| dw.lar_core | initially_payable_to_institution | smallint | Loan initially payable (or would have been) to the filing institution: 1 yes, 2 no, 3 not applicable, 1111 not reported under the [partial exemption](#term:partialExemption); 2018 on. |
| dw.lar_core | edit_status | smallint | Edit failures the filing checks found on the record: 5 validity, 6 quality, 7 both; empty for none; 1990-2016 only. |
| dw.lar_core | sequence_number | integer | The filer's own running number for the record, unique within the lender and year; 1990-2016 only. |
| dw.lar_core | application_date_indicator | smallint | When the application was taken: 0 on or after 1 January 2004, 1 before 2004, 2 not available; 2007-2016 only (the CFPB, Consumer Financial Protection Bureau, files). |
| dw.lar_core | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.lar_core | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.lar_core | problematic | boolean | true = a known data problem is still open for this row; dw.data_note explains it. |
| dw.lar_core | adjusted | boolean | True = a published value on this row was changed by a documented repair; the row as published is in dw.lar_original. |
| dw.lar_denial | k_lar_denial | bigint | The row's ID number in the warehouse. |
| dw.lar_denial | k_period | integer | Year of the data, as a key to dw.period (a warehouse number; dw.period.year gives the year). The table is stored in one piece per year. |
| dw.lar_denial | k_lar | bigint | The application (dw.lar, with k_period) the reason belongs to. |
| dw.lar_denial | denial_seq | smallint | Position of the reason on the record: 1 to 3 before 2018, 1 to 4 from 2018. |
| dw.lar_denial | denial_reason_code | smallint | Reason for denial: 1 debt-to-income ratio, 2 employment history, 3 credit history, 4 collateral, 5 insufficient cash (down payment, closing costs), 6 unverifiable information, 7 incomplete application, 8 mortgage insurance denied, 9 other (labels in dw.code). |
| dw.lar_denial | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.lar_denial | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.lar_denial | problematic | boolean | true = a known problem is still open for this row; dw.data_note explains it |
| dw.lar_duplicate_filing | k_lar_duplicate_filing | bigint | The row's ID number in the warehouse. |
| dw.lar_duplicate_filing | k_lar | bigint | The copy: a record identical field for field to duplicate_of_k_lar. |
| dw.lar_duplicate_filing | k_period | integer | Year both copies were published, as a key to dw.period. |
| dw.lar_duplicate_filing | duplicate_of_k_lar | bigint | The record kept as the original. |
| dw.lar_duplicate_filing | decision_id | text | The lender identity decision that found the duplicate (dw.lender_identity_decision). |
| dw.lar_duplicate_filing | reason | text | Why the record is a copy: the decision, and the lender name and ID that filed this copy. |
| dw.lar_duplicate_filing | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.lar_duplicate_filing | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.lar_duplicate_filing | problematic | boolean | Always true: the record is a published copy, kept but not to be counted twice. |
| dw.lar_geo_repair | k_lar_geo_repair | integer | The row's ID number in the warehouse. |
| dw.lar_geo_repair | k_lar | bigint | The repaired application (dw.lar, with k_period). |
| dw.lar_geo_repair | k_period | integer | Year of the record, as a key to dw.period. |
| dw.lar_geo_repair | k_geo_state_from | integer | State (dw.geo_state) before the repair. |
| dw.lar_geo_repair | k_geo_county_from | integer | County (dw.geo_county) before the repair: a code on no Census county list. |
| dw.lar_geo_repair | k_geo_tract_from | integer | Census tract (dw.geo_tract) before the repair; empty if none. |
| dw.lar_geo_repair | k_geo_state_to | integer | State (dw.geo_state) after the repair. |
| dw.lar_geo_repair | k_geo_county_to | integer | County (dw.geo_county) after the repair. |
| dw.lar_geo_repair | k_geo_tract_to | integer | Census tract after the repair: the same tract number under the corrected county when that tract exists, else unchanged. |
| dw.lar_geo_repair | rule | text | Rule behind the change: unique_county_number_in_metro (only one county in the record's metro has that number), lender_county_code (the lender's own code, decoded from its other records), near_miss_county_number (a one-keystroke typo) or official_code_change (a retired Census code moved to its single successor); evidence in dw.data_note. |
| dw.lar_geo_repair | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.lar_geo_repair | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.lar_geo_repair | problematic | boolean | true = a known problem is still open for this row; dw.data_note explains it |
| dw.lar_original | k_lar | bigint | The dw.lar row this is the published original of (with k_period). |
| dw.lar_original | k_period | integer | Year of the data, as a key to dw.period (a warehouse number; dw.period.year gives the year). |
| dw.lar_original | k_source | integer | The published LAR (Loan/Application Register) file the record was read from (see dw.source). |
| dw.lar_original | k_lender | integer | The lender that filed the record (dw.lender), found from the ID it filed under: LEI (Legal Entity Identifier) from 2018, the HMDA respondent ID (ARID, agency code plus respondent ID) before; a lender merge can move the record to the surviving lender. |
| dw.lar_original | k_geo_state | integer | The property's state (dw.geo_state) as filed; empty when no valid state was given. Repairs of mis-keyed county codes can change it (dw.lar_geo_repair). |
| dw.lar_original | k_geo_county | integer | The property's county (dw.geo_county), by 5-digit FIPS (federal numeric) code as filed; empty when none. Mis-keyed 1990-2003 codes were repaired where the evidence allowed (dw.lar_geo_repair). |
| dw.lar_original | k_geo_tract | integer | The property's census tract (dw.geo_tract) in that year's census boundaries (1980 tracts in 1990-1991, 1990 in 1992-2002, 2000 in 2003-2011, 2010 in 2012-2021, 2020 from 2022); empty when no valid tract was filed. |
| dw.lar_original | k_geo_msa | integer | The metro area (dw.geo_msa): the MSA/MD (metropolitan statistical area or metropolitan division) code on the record; 99999 = not in a metro area; empty when none was filed. |
| dw.lar_original | k_loan_profile | integer | Loan type, purpose, lien, occupancy and property type of the record (dw.loan_profile). |
| dw.lar_original | k_applicant_profile | integer | Derived race, ethnicity, sex, age band and co-applicant presence (dw.applicant_profile). |
| dw.lar_original | k_action | integer | What happened to the application (dw.action): originated, denied, withdrawn, purchased and so on; 0 = blank or invalid code in the file. |
| dw.lar_original | loan_amount | numeric | Loan amount, or amount applied for, in dollars in every year (files before 2018 report thousands and are converted). |
| dw.lar_original | property_value | numeric | Value of the property relied on in the credit decision, in dollars, as the midpoint of its $10,000 band; 2018 on; empty before 2018, when not reported, or under the [partial exemption](#term:partialExemption). |
| dw.lar_original | income_000s | numeric | Gross annual income relied on in the credit decision, in thousands of dollars, as filed; empty when not reported. |
| dw.lar_original | interest_rate | numeric | Interest rate on the loan, percent (e.g. 6.375); 2018 on; empty when not applicable or under the [partial exemption](#term:partialExemption). |
| dw.lar_original | rate_spread | numeric | The loan's [rate spread](#term:rateSpread): APR (annual percentage rate) minus APOR (average prime offer rate) for a comparable loan, in percentage points; 2004-2017 only above the high-price thresholds, from 2018 for most originations; empty before 2004. |
| dw.lar_original | combined_ltv | numeric | Combined loan-to-value ratio: all debt secured by the property as a percent of its value (80 = 80%); 2018 on. |
| dw.lar_original | debt_to_income_band | text | Debt-to-income ratio in published bands (<20%, 20%-<30%, 30%-<36%, single values 36 to 49, 50%-60%, >60%); a lender using the 2018 [partial exemption](#term:partialExemption) shows Exempt; 2018 on. |
| dw.lar_original | loan_term | integer | Loan term in months (360 = 30 years); 2018 on; empty when not applicable or under the [partial exemption](#term:partialExemption). |
| dw.lar_original | total_loan_costs | numeric | Total loan costs from the closing disclosure, in dollars; 2018 on, mostly closed-end originations; empty otherwise or under the [partial exemption](#term:partialExemption). |
| dw.lar_original | total_points_and_fees | numeric | Total points and fees charged, in dollars, reported mainly for open-end and other loans without a closing disclosure; 2018 on; empty otherwise or under the [partial exemption](#term:partialExemption). |
| dw.lar_original | origination_charges | numeric | Borrower-paid origination charges at or before closing, in dollars; 2018 on; empty otherwise or under the [partial exemption](#term:partialExemption). |
| dw.lar_original | discount_points | numeric | Points paid to the lender to lower the interest rate, in dollars; 2018 on; empty when none, not applicable or under the [partial exemption](#term:partialExemption). |
| dw.lar_original | lender_credits | numeric | Lender credits toward closing costs, in dollars; 2018 on; empty when none, not applicable or under the [partial exemption](#term:partialExemption). |
| dw.lar_original | purchaser_type | smallint | Who bought the loan in the same year: 0 not sold, 1 Fannie Mae, 2 Ginnie Mae, 3 Freddie Mac, 4 Farmer Mac, 5-9 other buyers whose codes differ by era (labels in dw.code). |
| dw.lar_original | preapproval | smallint | Preapproval requested on a home purchase loan: 1 requested, 2 not requested, 3 not applicable (2004-2017); 2004 on. |
| dw.lar_original | hoepa_status | smallint | High-cost mortgage under HOEPA (the Home Ownership and Equity Protection Act): 1 high-cost, 2 not high-cost, 3 not applicable (2018 on); 2004 on. |
| dw.lar_original | prepayment_penalty_term | integer | Length of any prepayment penalty, in months; 2018 on; empty when none, not applicable or under the [partial exemption](#term:partialExemption). |
| dw.lar_original | intro_rate_period | integer | Months until an adjustable interest rate can first change; 2018 on; empty for fixed-rate loans, when not applicable or under the [partial exemption](#term:partialExemption). |
| dw.lar_original | negative_amortization | smallint | Terms allow the balance to grow (negative amortization): 1 yes, 2 no, 1111 not reported under the [partial exemption](#term:partialExemption); 2018 on. |
| dw.lar_original | interest_only_payment | smallint | Terms include interest-only payments: 1 yes, 2 no, 1111 not reported under the [partial exemption](#term:partialExemption); 2018 on. |
| dw.lar_original | balloon_payment | smallint | Terms include a balloon payment: 1 yes, 2 no, 1111 not reported under the [partial exemption](#term:partialExemption); 2018 on. |
| dw.lar_original | other_nonamortizing_features | smallint | Terms allow other payments that do not fully pay down the loan: 1 yes, 2 no, 1111 not reported under the [partial exemption](#term:partialExemption); 2018 on. |
| dw.lar_original | total_units | text | Dwelling units securing the loan: 1, 2, 3, 4, then bands 5-24, 25-49, 50-99, 100-149, >149 (text); 2018 on. |
| dw.lar_original | multifamily_affordable_units | numeric | Multifamily properties: income-restricted affordable units as a whole-number percent of total_units; 2018 on; empty otherwise, when not applicable or under the [partial exemption](#term:partialExemption). |
| dw.lar_original | manufactured_home_secured_property_type | smallint | Manufactured homes: 1 secured by the home and land, 2 by the home only, 3 not applicable, 1111 not reported under the [partial exemption](#term:partialExemption); 2018 on. |
| dw.lar_original | manufactured_home_land_property_interest | smallint | Manufactured homes, the borrower's interest in the land: 1 direct ownership, 2 indirect ownership, 3 paid leasehold, 4 unpaid leasehold, 5 not applicable, 1111 not reported under the [partial exemption](#term:partialExemption); 2018 on. |
| dw.lar_original | applicant_race_1 | smallint | Applicant's first race: 1 American Indian or Alaska Native, 2 Asian, 3 Black or African American, 4 Native Hawaiian or Other Pacific Islander, 5 White, 6 not provided, 7 not applicable; Asian and Pacific Islander subgroups from 2018. For 1990-2003, when Hispanic was a race code, Hispanic and Other are empty here and Hispanic appears in applicant_ethnicity_1. |
| dw.lar_original | applicant_race_2 | smallint | Applicant's second race, when more than one was reported (codes as applicant_race_1); 2004 on. |
| dw.lar_original | applicant_race_3 | smallint | Applicant's third race, when more than one was reported (codes as applicant_race_1); 2004 on. |
| dw.lar_original | applicant_race_4 | smallint | Applicant's fourth race, when more than one was reported (codes as applicant_race_1); 2004 on. |
| dw.lar_original | applicant_race_5 | smallint | Applicant's fifth race, when more than one was reported (codes as applicant_race_1); 2004 on. |
| dw.lar_original | co_applicant_race_1 | smallint | First co-applicant's first race (codes as applicant_race_1, plus 8 no co-applicant); 1990-2003 recoded the same way. |
| dw.lar_original | co_applicant_race_2 | smallint | First co-applicant's second race, when more than one was reported (codes as applicant_race_1); 2004 on. |
| dw.lar_original | co_applicant_race_3 | smallint | First co-applicant's third race, when more than one was reported (codes as applicant_race_1); 2004 on. |
| dw.lar_original | co_applicant_race_4 | smallint | First co-applicant's fourth race, when more than one was reported (codes as applicant_race_1); 2004 on. |
| dw.lar_original | co_applicant_race_5 | smallint | First co-applicant's fifth race, when more than one was reported (codes as applicant_race_1); 2004 on. |
| dw.lar_original | applicant_ethnicity_1 | smallint | Applicant's ethnicity: 1 Hispanic or Latino, 2 not Hispanic or Latino, 3 not provided, 4 not applicable; Hispanic subgroups 11-14 from 2018; for 1990-2003 derived from the race code. |
| dw.lar_original | applicant_ethnicity_2 | smallint | Applicant's second ethnicity, when more than one was reported (1 Hispanic or Latino, 11-14 Hispanic subgroups, 2 not Hispanic or Latino); 2018 on. |
| dw.lar_original | applicant_ethnicity_3 | smallint | Applicant's third ethnicity, when more than one was reported (1 Hispanic or Latino, 11-14 Hispanic subgroups, 2 not Hispanic or Latino); 2018 on. |
| dw.lar_original | applicant_ethnicity_4 | smallint | Applicant's fourth ethnicity, when more than one was reported (1 Hispanic or Latino, 11-14 Hispanic subgroups, 2 not Hispanic or Latino); 2018 on. |
| dw.lar_original | applicant_ethnicity_5 | smallint | Applicant's fifth ethnicity, when more than one was reported (1 Hispanic or Latino, 11-14 Hispanic subgroups, 2 not Hispanic or Latino); 2018 on. |
| dw.lar_original | co_applicant_ethnicity_1 | smallint | First co-applicant's ethnicity (codes as applicant_ethnicity_1, plus 5 no co-applicant); for 1990-2003 derived from the race code. |
| dw.lar_original | co_applicant_ethnicity_2 | smallint | First co-applicant's second ethnicity, when more than one was reported (codes as applicant_ethnicity_2); 2018 on. |
| dw.lar_original | co_applicant_ethnicity_3 | smallint | First co-applicant's third ethnicity, when more than one was reported (codes as applicant_ethnicity_2); 2018 on. |
| dw.lar_original | co_applicant_ethnicity_4 | smallint | First co-applicant's fourth ethnicity, when more than one was reported (codes as applicant_ethnicity_2); 2018 on. |
| dw.lar_original | co_applicant_ethnicity_5 | smallint | First co-applicant's fifth ethnicity, when more than one was reported (codes as applicant_ethnicity_2); 2018 on. |
| dw.lar_original | applicant_race_observed | smallint | Applicant's race collected by visual observation or surname: 1 yes, 2 no, 3 not applicable; 2018 on. |
| dw.lar_original | co_applicant_race_observed | smallint | First co-applicant's race collected by visual observation or surname: 1 yes, 2 no, 3 not applicable, 4 no co-applicant; 2018 on. |
| dw.lar_original | applicant_ethnicity_observed | smallint | Applicant's ethnicity collected by visual observation or surname: 1 yes, 2 no, 3 not applicable; 2018 on. |
| dw.lar_original | co_applicant_ethnicity_observed | smallint | First co-applicant's ethnicity collected by visual observation or surname: 1 yes, 2 no, 3 not applicable, 4 no co-applicant; 2018 on. |
| dw.lar_original | applicant_sex | smallint | Applicant's sex as filed: 1 male, 2 female, 3 not provided, 4 not applicable, 6 both selected (2018 on); all years. |
| dw.lar_original | co_applicant_sex | smallint | First co-applicant's sex: 1 male, 2 female, 3 not provided, 4 not applicable, 5 no co-applicant (2004 on; before 2004 such records carry 4), 6 both selected (2018 on). |
| dw.lar_original | applicant_sex_observed | smallint | Applicant's sex collected by visual observation or surname: 1 yes, 2 no, 3 not applicable; 2018 on. |
| dw.lar_original | co_applicant_sex_observed | smallint | First co-applicant's sex collected by visual observation or surname: 1 yes, 2 no, 3 not applicable, 4 no co-applicant; 2018 on. |
| dw.lar_original | applicant_age | text | Applicant's age band: <25, 25-34, 35-44, 45-54, 55-64, 65-74, >74, or 8888 not applicable (text); 2018 on. |
| dw.lar_original | co_applicant_age | text | First co-applicant's age band: <25 to >74, 8888 not applicable or 9999 no co-applicant (text); 2018 on. |
| dw.lar_original | applicant_credit_score_type | smallint | Credit scoring model used for the applicant: 1 Equifax Beacon 5.0, 2 Experian Fair Isaac, 3 FICO Classic 04, 4 FICO Classic 98, 5 VantageScore 2.0, 6 VantageScore 3.0, 7 more than one, 8 other, 9 not applicable, 1111 not reported under the [partial exemption](#term:partialExemption) (later files also have 11); 2018 on. |
| dw.lar_original | co_applicant_credit_score_type | smallint | Credit scoring model used for the first co-applicant (codes as applicant_credit_score_type, plus 10 no co-applicant); 2018 on. |
| dw.lar_original | aus_1 | smallint | First automated underwriting system (AUS) used: 1 Desktop Underwriter (Fannie Mae), 2 Loan Product Advisor (Freddie Mac), 3 TOTAL Scorecard (FHA, Federal Housing Administration), 4 GUS (USDA, Department of Agriculture), 5 other, 7 internal proprietary system, 6 not applicable, 1111 not reported under the [partial exemption](#term:partialExemption); 2018 on. |
| dw.lar_original | aus_2 | smallint | Second automated underwriting system (AUS) used (codes as aus_1, without 6 and 1111); empty when no further system was used; 2018 on. |
| dw.lar_original | aus_3 | smallint | Third automated underwriting system (AUS) used (codes as aus_1, without 6 and 1111); empty when no further system was used; 2018 on. |
| dw.lar_original | aus_4 | smallint | Fourth automated underwriting system (AUS) used (codes as aus_1, without 6 and 1111); empty when no further system was used; 2018 on. |
| dw.lar_original | aus_5 | smallint | Fifth automated underwriting system (AUS) used (codes as aus_1, without 6 and 1111); empty when no further system was used; 2018 on. |
| dw.lar_original | submission_of_application | smallint | Application submitted directly to the filing institution: 1 yes, 2 no (e.g. through a broker), 3 not applicable, 1111 not reported under the [partial exemption](#term:partialExemption); 2018 on. |
| dw.lar_original | initially_payable_to_institution | smallint | Loan initially payable (or would have been) to the filing institution: 1 yes, 2 no, 3 not applicable, 1111 not reported under the [partial exemption](#term:partialExemption); 2018 on. |
| dw.lar_original | edit_status | smallint | Edit failures the filing checks found on the record: 5 validity, 6 quality, 7 both; empty for none; 1990-2016 only. |
| dw.lar_original | sequence_number | integer | The filer's own running number for the record, unique within the lender and year; 1990-2016 only. |
| dw.lar_original | application_date_indicator | smallint | When the application was taken: 0 on or after 1 January 2004, 1 before 2004, 2 not available; 2007-2016 only (the CFPB, Consumer Financial Protection Bureau, files). |
| dw.lar_original | created_dt | timestamp with time zone | Copied from the dw.lar row: when the warehouse first wrote it. |
| dw.lar_original | updated_dt | timestamp with time zone | When the dw.lar row was last changed before it was saved here. |
| dw.lar_original | problematic | boolean | The dw.lar row's problematic flag before the first change (the current flag is on dw.lar). |
| dw.lar_original | adjusted | boolean | The dw.lar row's adjusted flag before the first change; normally false. |
| dw.lar_original | note | text | What was changed on the row, why, and where the evidence is; one dated line per change. |
| dw.laus_county | k_laus_county | integer | The row's ID number in the warehouse. |
| dw.laus_county | year | smallint | Calendar year of the annual average, 1990-2025. |
| dw.laus_county | county_fips | character(5) | Five-digit county FIPS (federal numeric) code as BLS published it; Connecticut by planning region (09110-09190) in every year. |
| dw.laus_county | laus_code | text | BLS Local Area Unemployment Statistics (LAUS) area code of the county, e.g. CN0100100000000. |
| dw.laus_county | area_name | text | County name and state as BLS published them, e.g. Autauga County, AL. |
| dw.laus_county | labor_force | integer | Civilian labor force, persons, annual average; empty where BLS published none. |
| dw.laus_county | employed | integer | Employed persons, annual average; empty where BLS published none. |
| dw.laus_county | unemployed | integer | Unemployed persons, annual average; empty where BLS published none. |
| dw.laus_county | unemployment_rate | numeric(4,1) | Unemployment rate, percent of the labor force; empty where BLS published none. |
| dw.laus_county | note | text | Why a row is flagged: 2025 averages cover 11 months (October 2025 was lost to the federal shutdown, except in Puerto Rico); Louisiana parishes in 2005-2006 after Hurricane Katrina and Puerto Rico in 2020 were not published. |
| dw.laus_county | k_source | integer | The BLS annual county file this row was loaded from (see dw.source). |
| dw.laus_county | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.laus_county | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.laus_county | problematic | boolean | true = a known problem is still open for this row; dw.data_note explains it |
| dw.lender | k_lender | integer | The lender's ID number in the warehouse; other tables link to the lender on it. |
| dw.lender | lender_name | text | Latest name filed; LEI:, ARID: or RSSD: plus the ID when no filing gave a name (LEI Legal Entity Identifier, ARID HMDA respondent ID, RSSD Federal Reserve institution ID). |
| dw.lender | lender_type | text | bank, credit_union, non_bank (mortgage companies supervised by HUD, the Department of Housing and Urban Development, or the CFPB, Consumer Financial Protection Bureau), holding_company, or other (known only from the FFIEC National Information Center, NIC). |
| dw.lender | hmda_address_city | text | City on the cover sheet of the lender's latest HMDA filing (the contact person's office from 2018, the mailing address before), often a mortgage office rather than the head office. For a lender known only from the FFIEC (Federal Financial Institutions Examination Council) National Information Center, the city there. |
| dw.lender | hmda_address_state | text | State (USPS code) on the cover sheet of the lender's latest HMDA filing, often a mortgage office rather than the head office. For a lender known only from the FFIEC (Federal Financial Institutions Examination Council) National Information Center, the state there. |
| dw.lender | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.lender | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.lender | problematic | boolean | true = a known problem is still open for this row; dw.data_note explains it |
| dw.lender_address | k_lender_address | integer | The row's ID number in the warehouse. |
| dw.lender_address | k_lender | integer | The HMDA lender (dw.lender) the address belongs to. |
| dw.lender_address | year | smallint | Filing or report year for yearly sources (hmda_ts, fdic_sod, ncua); empty for snapshot sources, which use as_of instead. |
| dw.lender_address | as_of | date | Date the address describes: 31 December of the year (HMDA, NCUA), 30 June (FDIC Summary of Deposits), the file or publish date, the snapshot date, or the start of NIC's current record. |
| dw.lender_address | source | text | Where the address comes from: hmda_ts (HMDA transmittal sheet), gleif (the LEI, Legal Entity Identifier, register), fdic_inst (FDIC institutions file), fdic_sod (FDIC Summary of Deposits main office), ncua (NCUA call report), fha (HUD list of FHA-approved lenders), nic (NIC register), sec (SEC EDGAR business address). |
| dw.lender_address | source_id | text | The source's own ID for the institution, as type:value: ARID: (pre-2018 HMDA respondent ID) or LEI: for HMDA and GLEIF, CERT: (FDIC certificate), CHARTER: (NCUA charter), FHA: (HUD lender number), RSSD: (Federal Reserve institution ID, NIC), CIK: (SEC company number). |
| dw.lender_address | address_type | text | Kind of address: head_office, mailing, parent_mailing (the parent's, on the HMDA transmittal sheet), legal (GLEIF legal address), or earliest_office (HUD list: the earliest-approved office when no home office is listed; used for matching only, never as head office). |
| dw.lender_address | name_on_record | text | Name the source gives with this address, upper case. |
| dw.lender_address | street | text | Street address, upper case; empty when the source has none (HMDA transmittal sheets give no street from 2018). |
| dw.lender_address | city | text | City, upper case. |
| dw.lender_address | state | character(2) | Two-letter state code; empty when the source's value is not one. |
| dw.lender_address | zip | character(5) | 5-digit ZIP code; empty when missing or malformed. |
| dw.lender_address | zip4 | character(4) | ZIP+4 extension, when the source gives one. |
| dw.lender_address | country | character(2) | Two-letter country code: US for every source except GLEIF, which gives the address's own country. |
| dw.lender_address | lat | double precision | Latitude of the address, decimal degrees (precision in geo_precision); empty when there are no coordinates. |
| dw.lender_address | lon | double precision | Longitude of the address, decimal degrees; see lat. |
| dw.lender_address | geo_precision | text | How precise the coordinates are: source_point (the publisher's own, FDIC), street (street-level geocode), zip_centroid (centre of the ZIP code area), city_centroid (average of the city's ZIP centres, for PO-box ZIPs), or none. |
| dw.lender_address | geo_source | text | Where the coordinates come from: the FDIC's own coordinates, the Census Geocoder, a street-level geocode, or the centre of a ZIP code area (mart.zip) or of a city; empty when none. |
| dw.lender_address | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.lender_address | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.lender_address | problematic | boolean | true = a known data problem is still open for this row; dw.data_note explains it. Set when a transmittal sheet's state is not a state code, or FDIC coordinates fall outside the US (dropped, not corrected). |
| dw.lender_address_geocode | k_lender_address_geocode | integer | The row's ID number in the warehouse. |
| dw.lender_address_geocode | addr_key | text | The standardised address the coordinates are for: STREET|CITY|ST|ZIP5, upper case. |
| dw.lender_address_geocode | street | text | Street of the address, as in dw.lender_address or dw.fha_lender. |
| dw.lender_address_geocode | city | text | City of the address. |
| dw.lender_address_geocode | state | character(2) | Two-letter state code. |
| dw.lender_address_geocode | zip | character(5) | 5-digit ZIP code. |
| dw.lender_address_geocode | lat | double precision | Latitude, decimal degrees; empty when not geocoded. |
| dw.lender_address_geocode | lon | double precision | Longitude, decimal degrees; empty when not geocoded. |
| dw.lender_address_geocode | geo_precision | text | How precise the coordinates are: street (street-level match), zip_centroid (internal point of the ZIP Code Tabulation Area, the Census ZIP code area), city_centroid (average of the city's ZIP centres, for PO-box ZIPs), or none. |
| dw.lender_address_geocode | geo_source | text | Where the coordinates come from: a street-level geocode, the Census Geocoder, the ZIP code area centre (mart.zip), or a city centre from the ZIPs of that city; empty when none. |
| dw.lender_address_geocode | geocoded_dt | timestamp with time zone | When the address was geocoded (or last retried at city level). |
| dw.lender_address_geocode | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.lender_address_geocode | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.lender_address_geocode | problematic | boolean | true = a known data problem is still open for this row; dw.data_note explains it. |
| dw.lender_anomaly | k_lender_anomaly | bigint | The row's ID number in the warehouse. |
| dw.lender_anomaly | k_period | integer | Year of the data (the later year of the change), as a key to dw.period. |
| dw.lender_anomaly | k_lender | integer | The lender scored (dw.lender). |
| dw.lender_anomaly | metric | text | What is measured: counts (hmda_records, originations); shares (denial_rate, withdrawal_share, purchased_share, fha_share and va_share for FHA, Federal Housing Administration, and VA, Department of Veterans Affairs, loans, lmi_borrower_share and lmi_tract_share for LMI, low- or moderate-income, minority_tract_share, higher_priced_share, jumbo_share, the *_known_share completeness shares, and exempt_share for use of the [partial exemption](#term:partialExemption)); or means (amount_mean, rate_mean). |
| dw.lender_anomaly | value_prev | numeric | The metric in the previous year, untransformed: a count, a share 0-1, or a mean (loan amount in dollars, interest rate in percent). |
| dw.lender_anomaly | value | numeric | The metric this year, in the same units as value_prev. |
| dw.lender_anomaly | change | double precision | Change from the previous year on a log scale (counts and means) or logit scale (shares); a share at 0 or 1 in both years counts as no change. |
| dw.lender_anomaly | expected | double precision | Change the model predicts for this lender and year: the national year effect plus the effects of its peer group (type and size band), its main state and the lender itself. |
| dw.lender_anomaly | z | double precision | Unexpected change (change minus expected) divided by its standard error, which combines the lender's sampling variance and the variance between lenders. |
| dw.lender_anomaly | out_of_range | boolean | True when |z| > 2.576: outside the two-sided 99% band. |
| dw.lender_anomaly | acquirer | boolean | True when the lender was the acquirer in a merger (dw.lender_relation) effective this year or the year before, so a jump may be real. |
| dw.lender_anomaly | problematic | boolean | true = a known data problem is still open for this row; dw.data_note explains it. |
| dw.lender_anomaly | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.lender_anomaly | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.lender_anomaly_effect | k_lender_anomaly_effect | integer | The row's ID number in the warehouse. |
| dw.lender_anomaly_effect | k_period | integer | Year of the data, as a key to dw.period (a warehouse number; dw.period.year gives the year). |
| dw.lender_anomaly_effect | metric | text | The metric, as in dw.lender_anomaly.metric. |
| dw.lender_anomaly_effect | lenders | integer | Lenders with a change scored for this metric and year. |
| dw.lender_anomaly_effect | effect | double precision | Typical change across lenders that year, on a log scale (counts and means) or logit scale (shares). |
| dw.lender_anomaly_effect | problematic | boolean | true = a known data problem is still open for this row; dw.data_note explains it. |
| dw.lender_anomaly_effect | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.lender_anomaly_effect | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.lender_anomaly_rate | metric | text | The metric, as in dw.lender_anomaly.metric. |
| dw.lender_anomaly_rate | year | smallint | Calendar year of the HMDA data. |
| dw.lender_anomaly_rate | scored | bigint | Lenders scored for this metric and year. |
| dw.lender_anomaly_rate | flagged | bigint | Lenders outside the 99% band (dw.lender_anomaly.out_of_range). |
| dw.lender_anomaly_rate | flagged_excl_acquirers | bigint | Flagged lenders that did not absorb a merged lender that year or the year before. |
| dw.lender_anomaly_rate | pct_flagged | numeric | Share of scored lenders flagged, 0-1. |
| dw.lender_anomaly_rate | baseline | numeric | The metric's median share flagged over all years, 0-1. |
| dw.lender_anomaly_rate | local_baseline | numeric | The metric's median share flagged over the three years either side (this year excluded), 0-1. |
| dw.lender_anomaly_rate | ratio_to_local | numeric | pct_flagged divided by local_baseline: 1 = as usual; well above 1 suggests a data error that year. |
| dw.lender_anomaly_rate | excess_z | numeric | How many standard deviations the flagged count lies above the all-years share (binomial z). |
| dw.lender_anomaly_rate | local_excess_z | numeric | How many standard deviations the flagged count lies above the neighbouring years' share (binomial z). |
| dw.lender_anomaly_year | year | smallint | Calendar year of the HMDA (Home Mortgage Disclosure Act) data. |
| dw.lender_anomaly_year | metrics | bigint | Metrics scored that year. |
| dw.lender_anomaly_year | mean_pct_flagged | numeric | Average over the metrics of the share of lenders flagged (dw.lender_anomaly_rate.pct_flagged), 0-1. |
| dw.lender_anomaly_year | lenders_scored | bigint | Lenders scored on at least one metric that year. |
| dw.lender_anomaly_year | pct_lenders_3plus_flagged | numeric | Share (0-1) of scored lenders with three or more metrics flagged at once: a sign of a lender-level error such as wrong units or a wrong identity link. |
| dw.lender_contact | k_lender_contact | integer | The row's ID number in the warehouse. |
| dw.lender_contact | k_lender | integer | The HMDA lender (dw.lender) the phone or website belongs to. |
| dw.lender_contact | year | smallint | Report year for NCUA call-report rows; empty for snapshot sources. |
| dw.lender_contact | as_of | date | Date the value describes: 31 December of the year (NCUA), the file date (FDIC) or the snapshot date (HUD list). |
| dw.lender_contact | source | text | ncua (NCUA call report: main-office phone 2010 on, website 2000 on), fdic_inst (FDIC institutions file: website) or fha (HUD list of FHA-approved lenders: head-office phone). |
| dw.lender_contact | source_id | text | The source's own ID for the institution: CHARTER: (NCUA charter), CERT: (FDIC certificate) or FHA: (HUD lender number). |
| dw.lender_contact | phone_raw | text | Telephone number as published; empty when none. |
| dw.lender_contact | phone_e164 | text | The telephone number in international standard form (+1 and ten digits) when it is valid; empty otherwise. |
| dw.lender_contact | website_raw | text | Website as published; empty when none. |
| dw.lender_contact | website_domain | text | The website's registrable domain (e.g. example.org), lower case; empty when none can be derived. |
| dw.lender_contact | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.lender_contact | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.lender_contact | problematic | boolean | true = a known data problem is still open for this row; dw.data_note explains it. Set when an NCUA website was cut at the field's 35 characters inside the host name, so no domain is derived. |
| dw.lender_contact_coverage | k_lender_contact_coverage | integer | The row's ID number in the warehouse. |
| dw.lender_contact_coverage | year | integer | HMDA year. |
| dw.lender_contact_coverage | lenders | integer | HMDA lenders that year. |
| dw.lender_contact_coverage | records | bigint | Their HMDA records: applications plus purchased loans. |
| dw.lender_contact_coverage | lenders_street | integer | Lenders with a head-office street. |
| dw.lender_contact_coverage | records_street | bigint | HMDA records of the lenders with a head-office street. |
| dw.lender_contact_coverage | lenders_city_zip | integer | Lenders with a head-office ZIP code. |
| dw.lender_contact_coverage | records_city_zip | bigint | HMDA records of the lenders with a head-office ZIP code. |
| dw.lender_contact_coverage | lenders_phone | integer | Lenders with a valid telephone number. |
| dw.lender_contact_coverage | records_phone | bigint | HMDA records of the lenders with a valid telephone number. |
| dw.lender_contact_coverage | lenders_website | integer | Lenders with a website domain. |
| dw.lender_contact_coverage | records_website | bigint | HMDA records of the lenders with a website domain. |
| dw.lender_contact_coverage | lenders_type | integer | Lenders with a lender type standardised across sources. |
| dw.lender_contact_coverage | records_type | bigint | HMDA records of the lenders with a standardised lender type. |
| dw.lender_contact_coverage | lenders_type_agrees | integer | Lenders whose lender-type sources agree. |
| dw.lender_contact_coverage | lenders_geocoded_street | integer | Lenders whose head office has street-level or the publisher's own coordinates. |
| dw.lender_contact_coverage | lenders_geocoded_any | integer | Lenders whose head office has coordinates of any precision (street, publisher point, ZIP or city centre). |
| dw.lender_contact_coverage | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.lender_contact_coverage | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.lender_contact_coverage | problematic | boolean | true = a known data problem is still open for this row; dw.data_note explains it. |
| dw.lender_fair_lending | k_period | integer | Year of the data, as a key to dw.period (a warehouse number; dw.period.year gives the year). |
| dw.lender_fair_lending | k_lender | integer | The lender (dw.lender). |
| dw.lender_fair_lending | k_geo_state | integer | The lender's main state that year (dw.geo_state; see dw.lender_home). |
| dw.lender_fair_lending | k_geo_msa | integer | The lender's main metro area that year (dw.geo_msa); empty when it had no applications in a metro. |
| dw.lender_fair_lending | decided | bigint | Core-market applications the lender decided that year, all applicants, everywhere. |
| dw.lender_fair_lending | denial_rate | numeric | Denied divided by decided, all applicants, share 0-1. |
| dw.lender_fair_lending | share_majority_minority_tracts | numeric | Share (0-1) of decided applications for properties in tracts where minorities are more than half the population. |
| dw.lender_fair_lending | decided_black | bigint | Decided applications from Black applicants. |
| dw.lender_fair_lending | decided_hispanic | bigint | Decided applications from Hispanic applicants. |
| dw.lender_fair_lending | ratio_black | numeric | Denial rate for Black applicants divided by the rate for non-Hispanic White applicants (1 = equal); empty with fewer than 30 Black or 100 non-Hispanic White decided applications, or no White denials. |
| dw.lender_fair_lending | ratio_hispanic | numeric | Denial rate for Hispanic applicants divided by the rate for non-Hispanic White applicants; empty with fewer than 30 Hispanic or 100 non-Hispanic White decided applications, or no White denials. |
| dw.lender_fair_lending | ratio_asian | numeric | Denial rate for Asian applicants divided by the rate for non-Hispanic White applicants; empty with fewer than 30 Asian or 100 non-Hispanic White decided applications, or no White denials. |
| dw.lender_fair_lending | msa_ratio_black | numeric | The same Black / non-Hispanic White denial ratio for all lenders in the lender's main metro area: the local benchmark. |
| dw.lender_fair_lending | msa_ratio_hispanic | numeric | The same Hispanic / non-Hispanic White denial ratio for all lenders in the lender's main metro area: the local benchmark. |
| dw.lender_fair_lending | state_ratio_black | numeric | The same Black / non-Hispanic White denial ratio for all lenders in the lender's main state. |
| dw.lender_fair_lending | state_ratio_hispanic | numeric | The same Hispanic / non-Hispanic White denial ratio for all lenders in the lender's main state. |
| dw.lender_fair_lending | rate_spread_gap_black | numeric | Average [rate spread](#term:rateSpread) (APR, annual percentage rate, minus the average prime offer rate) on originations to Black borrowers minus that for non-Hispanic White borrowers, in percentage points; empty below 30 Black originations with a rate spread. Before 2018 only spreads above thresholds were reported. |
| dw.lender_fair_lending | rate_spread_gap_hispanic | numeric | Average [rate spread](#term:rateSpread) on originations to Hispanic borrowers minus that for non-Hispanic White borrowers, in percentage points; empty below 30 Hispanic originations with a rate spread. |
| dw.lender_financials_year | k_lender | integer | The HMDA lender (dw.lender). |
| dw.lender_financials_year | year | smallint | HMDA activity year; the call report is from the same calendar year. |
| dw.lender_financials_year | filer | text | bank (figures from a bank call report, dw.call_report_bank) or credit_union (from an NCUA, National Credit Union Administration, 5300 call report, dw.call_report_credit_union). |
| dw.lender_financials_year | institution_id | text | The institution used: RSSD (Federal Reserve institution ID) for a bank, NCUA charter number for a credit union. |
| dw.lender_financials_year | link_type | text | How the lender was linked to the institution, best first: rssd_year (the RSSD on the lender's own HMDA reporter panel that year), rssd (one of the lender's RSSDs in dw.lender_source_id), or arid (the pre-2018 HMDA respondent ID, built from the institution's regulator ID). |
| dw.lender_financials_year | n_candidates | integer | Call-report institutions linked to the lender that year; above 1 means one was chosen (best link, then latest report, then larger assets). |
| dw.lender_financials_year | report_dt | date | Quarter-end date of the call report used: the latest in the year (31 December for nearly all; earlier for one that merged away during the year). |
| dw.lender_financials_year | rssd | text | RSSD (Federal Reserve institution ID) of the institution; for a credit union, empty when none is known. |
| dw.lender_financials_year | fdic_cert | integer | FDIC (Federal Deposit Insurance Corporation) certificate number of the bank; empty for credit unions. |
| dw.lender_financials_year | ncua_charter | integer | NCUA charter number of the credit union; empty for banks. |
| dw.lender_financials_year | institution_name | text | Name of the institution as filed in that call report. |
| dw.lender_financials_year | total_assets_000 | bigint | Total assets at report_dt, thousands of dollars. |
| dw.lender_financials_year | total_loans_000 | bigint | Total loans and leases at report_dt (banks net of unearned income), thousands of dollars. |
| dw.lender_financials_year | total_deposits_000 | bigint | Total deposits (banks) or total shares and deposits (credit unions) at report_dt, thousands of dollars. |
| dw.lender_financials_year | equity_capital_000 | bigint | Total bank equity capital, or a credit union's net worth (reported from 2000), at report_dt, thousands of dollars. |
| dw.lender_financials_year | res14_first_lien_000 | bigint | First-lien loans on 1-4 family homes at report_dt, thousands of dollars (credit unions: all first-mortgage real estate loans where the 1-4 family figure is not reported). |
| dw.lender_financials_year | res14_junior_lien_000 | bigint | Banks only: closed-end junior-lien loans on 1-4 family homes, thousands of dollars; empty for credit unions. |
| dw.lender_financials_year | res14_heloc_000 | bigint | Banks only: home equity lines of credit (HELOCs) on 1-4 family homes, thousands of dollars; empty for credit unions. |
| dw.lender_financials_year | res_mortgage_total_000 | bigint | All residential mortgage loans at report_dt (1-4 family; for credit unions not reporting the 1-4 family split, first-mortgage plus other real estate loans), thousands of dollars. |
| dw.lender_financials_year | loans_held_for_sale_000 | bigint | Banks only: loans and leases held for sale, all types, thousands of dollars; empty for credit unions. |
| dw.lender_financials_year | mortgage_servicing_assets_000 | bigint | Banks only: mortgage servicing assets, thousands of dollars; empty for credit unions. |
| dw.lender_financials_year | rcp_held_for_sale_000 | bigint | Banks filing the 1-4 family mortgage banking schedule (RC-P) only: 1-4 family mortgages held for sale or trading at report_dt, thousands of dollars. |
| dw.lender_financials_year | rcp_quarters | smallint | Banks filing RC-P only: quarters of the year with retail originations or sales reported, which the yearly RC-P sums cover; under 4 means a partial year. |
| dw.lender_financials_year | rcp_retail_originations_year_000 | numeric | Banks filing RC-P only: 1-4 family mortgages originated for sale through the retail channel during the year, thousands of dollars. |
| dw.lender_financials_year | rcp_wholesale_originations_year_000 | numeric | Banks filing RC-P only: 1-4 family mortgages originated or purchased for sale through the wholesale channel during the year, thousands of dollars. |
| dw.lender_financials_year | rcp_sold_year_000 | numeric | Banks filing RC-P only: 1-4 family mortgages sold during the year, thousands of dollars. |
| dw.lender_financials_year | rcp_noninterest_income_year_000 | numeric | Banks filing RC-P only: noninterest income from selling, securitising and servicing 1-4 family mortgages during the year, thousands of dollars. |
| dw.lender_financials_year | cu_first_mortgages_sold_year_000 | bigint | Credit unions only: first-mortgage loans sold in the secondary market, year to date at report_dt (the full calendar year when it is 31 December), thousands of dollars; empty for banks. |
| dw.lender_financials_year | res_delinquent_000 | bigint | Troubled residential mortgage loans at report_dt, thousands of dollars: for banks, 30 days or more past due or nonaccrual; for credit unions, 60 days or more delinquent. Definitions differ, so compare within one filer type. |
| dw.lender_financials_year | res_net_chargeoffs_year_000 | bigint | Net charge-offs (charge-offs minus recoveries) on residential mortgage loans, year to date at report_dt, thousands of dollars. |
| dw.lender_financials_year | problematic | boolean | True when two institutions tie on link kind and report date, so the choice by assets may be wrong (dw.data_note explains it). |
| dw.lender_home | k_period | integer | Year of the data, as a key to dw.period (a warehouse number; dw.period.year gives the year). |
| dw.lender_home | k_lender | integer | The lender (dw.lender). |
| dw.lender_home | k_geo_state | integer | The state where the lender decided the most core-market applications that year (dw.geo_state). |
| dw.lender_home | k_geo_msa | integer | The metro area where the lender decided the most core-market applications that year (dw.geo_msa; areas outside a metro not counted); empty when none were in a metro. |
| dw.lender_identity_decision | k_lender_identity_decision | integer | The row's ID number in the warehouse. |
| dw.lender_identity_decision | decision_id | text | Stable ID of the decision: R plus the review pair number (a, b, ... for its steps), NIC- for a placeholder group, RM- for a link an earlier merge had resolved, DQ-<year>-<a>-<b> for a duplicate pair found by query. |
| dw.lender_identity_decision | review_n | text | Number of the reviewed lender pair (the 2026-10-12 review of dw.lender_merge_review); 'NIC:<n,...>' for a group of lenders known only from the FFIEC (Federal Financial Institutions Examination Council) National Information Center; empty for pairs found only by the duplicate check. |
| dw.lender_identity_decision | found_by | text | review (the 2026-10-12 review), duplicate_query (the duplicate-filing check) or both. |
| dw.lender_identity_decision | seq | smallint | Step number within the decision; steps are applied in this order. |
| dw.lender_identity_decision | decision_type | text | merge, year_move (filings of year_first to year_last move to the other lender), relation (a dated link in dw.lender_relation), duplicate_filing (records copy the other lender's and are flagged), distinct (two institutions kept apart), keep_placeholder (a NIC-only lender kept as its own), or no_action. |
| dw.lender_identity_decision | k_lender_from | integer | The lender the step acts on (dw.lender), as its IDs resolved when last applied; empty when they did not resolve. |
| dw.lender_identity_decision | from_ids | text | Every LEI, ARID and RSSD the lender held when reviewed, comma separated (type:value). |
| dw.lender_identity_decision | from_fingerprint | text | Name, headquarters, filing years and record count of the lender when reviewed, to recognise it after a rebuild. |
| dw.lender_identity_decision | k_lender_to | integer | The other lender of the step (merged into, receiving years, the parent, or holding the original records), as resolved when last applied; empty when none or unresolved. |
| dw.lender_identity_decision | to_ids | text | Every LEI, ARID and RSSD the other lender held when reviewed, comma separated; empty when the step has no other lender. |
| dw.lender_identity_decision | to_fingerprint | text | Name, headquarters, filing years and record count of the other lender when reviewed. |
| dw.lender_identity_decision | year_first | smallint | First HMDA year the step covers; empty when the step is not limited to years. |
| dw.lender_identity_decision | year_last | smallint | Last HMDA year the step covers; see year_first. |
| dw.lender_identity_decision | filing_id | text | year_move only: the one filing ID whose filings move; empty = every filing of the lender that year. |
| dw.lender_identity_decision | relation_type | text | relation steps only: merger, successor (same business re-registered), acquisition, failed_bank_acquisition, affiliate (common owner) or subsidiary. |
| dw.lender_identity_decision | effective_date | text | relation only: the date as the review gave it (YYYY, YYYY-MM or YYYY-MM-DD); empty when none was given (see date_basis). |
| dw.lender_identity_decision | k_period_from | integer | relation only: first year the link is in force. |
| dw.lender_identity_decision | date_basis | text | relation only: where the link's date comes from: as given in the review, the first year both filed, or the FDIC (Federal Deposit Insurance Corporation) structure history. |
| dw.lender_identity_decision | confidence | text | Reviewer's confidence in the decision: high or moderate. |
| dw.lender_identity_decision | flags | text | Short review tags, comma separated, e.g. already_merged, shared_rssd (two distinct institutions share an RSSD), overlap:<years> (both filed in those years), fdic_confirms; empty when none. |
| dw.lender_identity_decision | action | text | The action as the reviewer wrote it, with the lender numbers of the database reviewed. |
| dw.lender_identity_decision | reason | text | The reviewer's reason, in words (names, tax IDs, places, dates that settled it). |
| dw.lender_identity_decision | reviewed_by | text | Who decided: the reviewer and date, or the duplicate-filing check for duplicate pairs no one reviewed. |
| dw.lender_identity_decision | decided_dt | date | Date the decision was made. |
| dw.lender_identity_decision | review_ids | integer[] | The dw.lender_merge_review rows this decision closes. |
| dw.lender_identity_decision | review_pairs | text | The same review links as pairs of one ID per side (a~b;...), to find them again after a rebuild. |
| dw.lender_identity_decision | resolve_status | text | ok, ambiguous (the IDs point to several lenders) or missing (none); decisions are not applied while any row is not ok. |
| dw.lender_identity_decision | resolve_note | text | Problems from the last apply: IDs pointing to several lenders or none, IDs no longer present, a renamed lender, or 'held back' when the reverse relation already exists and a person must decide; empty when none. |
| dw.lender_identity_decision | applied_dt | timestamp with time zone | When the step was last carried out; empty = not applied (unresolved, held back, or not yet run for its years). |
| dw.lender_identity_decision | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.lender_identity_decision | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.lender_identity_decision | problematic | boolean | true = a known data problem is still open for this row; dw.data_note explains it. Set when the IDs did not resolve to one lender each, the decision carries the shared_rssd flag, or a relation was held back. |
| dw.lender_lineage | k_lender | integer | The lender (dw.lender); every lender appears for every year. |
| dw.lender_lineage | k_period | integer | Year of the data, as a key to dw.period (a warehouse number; dw.period.year gives the year). |
| dw.lender_lineage | k_lender_ultimate | integer | The institution this lender had become part of that year through merger and acquisition links in force; the lender itself when it had none. |
| dw.lender_lineage | depth | integer | Number of links climbed to reach k_lender_ultimate; 0 = the lender is its own ultimate owner. |
| dw.lender_logo | k_lender_logo | integer | |
| dw.lender_logo | k_lender | integer | |
| dw.lender_logo | lei | text | |
| dw.lender_logo | k_lender_web_terms | integer | |
| dw.lender_logo | variant | text | |
| dw.lender_logo | source_kind | text | |
| dw.lender_logo | source_url | text | |
| dw.lender_logo | page_url | text | |
| dw.lender_logo | url_is_file | boolean | |
| dw.lender_logo | format | text | |
| dw.lender_logo | width | numeric | |
| dw.lender_logo | height | numeric | |
| dw.lender_logo | render_scale | numeric | |
| dw.lender_logo | background | text | |
| dw.lender_logo | crop_x | numeric | |
| dw.lender_logo | crop_y | numeric | |
| dw.lender_logo | crop_w | numeric | |
| dw.lender_logo | crop_h | numeric | |
| dw.lender_logo | crop_method | text | |
| dw.lender_logo | css_crop | text | CSS declarations for an element whose box shows the crop at 1 px per unit: width, height, background-image: url(source_url), background-position, background-size. Scale the element with transform or zoom; the artwork is never changed. |
| dw.lender_logo | svg_fragment | text | SVG sources only: source_url with #svgView(viewBox(x,y,w,h)) appended. Used as <img src>, browsers show just the crop box (SVG 1.1, section 17.2.4), still fetched from the lender. |
| dw.lender_logo | display_px_min | integer | |
| dw.lender_logo | copy_permitted | boolean | true only when a licence lets anyone copy and redistribute the file (a Wikimedia Commons public-domain or CC0 file). A trademark still applies: the mark may be shown only to identify the lender. |
| dw.lender_logo | licence | text | |
| dw.lender_logo | display_basis | text | Why the logo may be shown: referential (nominative) use to identify the lender, unaltered, no endorsement implied, "Lender logos". |
| dw.lender_logo | sha256 | text | |
| dw.lender_logo | bytes | integer | |
| dw.lender_logo | fetched_dt | timestamp with time zone | |
| dw.lender_logo | verified_dt | timestamp with time zone | |
| dw.lender_logo | verify_status | text | |
| dw.lender_logo | preferred | boolean | |
| dw.lender_logo | note | text | |
| dw.lender_logo | created_dt | timestamp with time zone | |
| dw.lender_logo | updated_dt | timestamp with time zone | |
| dw.lender_logo | problematic | boolean | |
| dw.lender_merge | k_lender_merge | integer | The row's ID number in the warehouse. |
| dw.lender_merge | k_lender_keep | integer | The lender that remains (dw.lender): the one with the latest filing year, then the most records. |
| dw.lender_merge | k_lender_drop | integer | The lender folded into k_lender_keep; its dw.lender row is deleted once nothing refers to it, so the key may no longer exist there. |
| dw.lender_merge | rule | text | Why the two are one, joined with + when several apply: R1 same pre-2018 ID once dashes and leading zeros are removed; R2 same RSSD (Federal Reserve institution ID); R3 same 9-digit tax ID across the 2017/2018 change, confirmed by state or name; NIC a lender known only from National Information Center data whose RSSD is a filer's; TAX_LINK split of a conflicting group by tax ID; REVIEW a person's reviewed decision. |
| dw.lender_merge | evidence | jsonb | Facts behind the rule, as JSON (structured text): e.g. RSSD, tax ID, each lender's first and last filing years, records on the dropped lender. |
| dw.lender_merge | applied_dt | timestamp with time zone | When the merge was applied to the lender tables; empty = not applied yet. |
| dw.lender_merge | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.lender_merge | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.lender_merge | problematic | boolean | true = a known data problem is still open for this row; dw.data_note explains it. |
| dw.lender_merge_review | k_lender_merge_review | integer | The row's ID number in the warehouse. |
| dw.lender_merge_review | k_lender_a | integer | One lender of the pair (dw.lender). |
| dw.lender_merge_review | k_lender_b | integer | The other lender of the pair (dw.lender). |
| dw.lender_merge_review | rule | text | The rule that linked them: R1 (same pre-2018 ID), R2 (same RSSD, the Federal Reserve institution ID), R3 (same tax ID), NIC (RSSD from National Information Center data) or TAX_LINK; see dw.lender_merge.rule. |
| dw.lender_merge_review | reason | text | Why they were not merged: filed in the same year; tax IDs contradict; the group would join two lenders that filed in the same year; the NIC lender's RSSD matches two filers; or the target already filed that year. |
| dw.lender_merge_review | evidence | jsonb | Facts behind the link, as JSON (structured text): e.g. RSSD, the tax IDs of each side, year. |
| dw.lender_merge_review | decision | text | Empty = not yet decided; otherwise the reviewed decision: merge, keep_separate, year_move, relation, duplicate_filing, keep_placeholder or no_action. |
| dw.lender_merge_review | decision_note | text | What was decided and why, with the reviewer. |
| dw.lender_merge_review | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.lender_merge_review | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.lender_merge_review | problematic | boolean | true = a known data problem is still open for this row; dw.data_note explains it. |
| dw.lender_name | k_lender_name | integer | Surrogate key: a number the warehouse assigns to each row; joins use it, not the natural codes. |
| dw.lender_name | k_lender | integer | Key of the lender row (dw.lender): the HMDA lender. |
| dw.lender_name | filed_name | text | The name as filed with HMDA (dw.lender.lender_name): the latest transmittal sheet, often upper case and cut at 30 characters. |
| dw.lender_name | legal_name | text | The full legal name: for banks and savings institutions the FDIC institution name, GLEIF legal name, FFIEC NIC legal name; for credit unions GLEIF then NIC; for non-banks GLEIF, SEC EDGAR (the lender itself), NIC; taken only when its first two words match the filed name; else the filed name. |
| dw.lender_name | legal_name_source | text | Where legal_name comes from: fdic, gleif, sec, nic, or hmda (the filed name; no fuller source agreed with it). |
| dw.lender_name | display_name | text | The name for reports, as readers expect it: legal ending removed, proper case, abbreviations expanded ("Rocket Mortgage", "JPMorgan Chase Bank", "Fairway Independent Mortgage"; "Company", "Bank" and "Credit Union" stay). |
| dw.lender_name | display_name_legal | text | display_name with the legal ending in one standard form (LLC, Inc., Corporation, Ltd., N.A., L.P., FSB, SSB) and any trading name (", d/b/a ..."): "Rocket Mortgage, LLC", "JPMorgan Chase Bank, N.A.". |
| dw.lender_name | display_name_source | text | rules or override. |
| dw.lender_name | display_name_rules | text[] | The naming rules that changed the name: base, preclean, the, legal_form, reference_case, expand, case, override. |
| dw.lender_name | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.lender_name | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.lender_name | problematic | boolean | true = a known data problem is still open for this row; dw.data_note explains it. |
| dw.lender_period | k_lender_period | integer | The row's ID number in the warehouse. |
| dw.lender_period | k_period | integer | Year of the data, as a key to dw.period (a warehouse number; dw.period.year gives the year). |
| dw.lender_period | k_lender | integer | The lender that filed (dw.lender). |
| dw.lender_period | k_source_ts | integer | The transmittal-sheet file this row came from (dw.source). |
| dw.lender_period | k_source_panel | integer | The reporter-panel file (dw.source) when the lender is on that year's panel; empty otherwise (no panel from 2024). |
| dw.lender_period | name_as_filed | text | Name on that year's transmittal sheet (30 characters in the 1990-2006 files). |
| dw.lender_period | city_as_filed | text | City on that year's transmittal sheet: the address the filer gave, often a mortgage office rather than the head office. |
| dw.lender_period | state_as_filed | text | Two-letter state on that year's transmittal sheet. |
| dw.lender_period | agency_code | smallint | Regulator: 1 OCC (Office of the Comptroller of the Currency), 2 Federal Reserve, 3 FDIC (Federal Deposit Insurance Corporation), 4 OTS (Office of Thrift Supervision), 5 NCUA (National Credit Union Administration), 7 HUD (Department of Housing and Urban Development), 9 CFPB (Consumer Financial Protection Bureau). |
| dw.lender_period | tax_id | text | Federal tax ID (employer identification number) as filed, e.g. 84-0433515; not in the 1990 and 1991 files. |
| dw.lender_period | lar_count | integer | Records the lender filed that year (from the transmittal sheet; counted from the records themselves before 2007). |
| dw.lender_period | assets_thousands | bigint | Total assets, thousands of dollars; 2024-2025 have no panel and carry the latest earlier figure (k_period_assets says which year). |
| dw.lender_period | k_period_assets | integer | Year of the reporter panel assets_thousands came from (key of dw.period): usually this year, earlier when the panel is missing or gave no assets. |
| dw.lender_period | other_lender_code | smallint | Reporter-panel lender kind: 0 depository, 1 mortgage subsidiary of a bank, 2 subsidiary of a holding company, 3 independent mortgage company, 5 affiliate of a depository; after 2023 carried from the latest panel when the filer reports to the same regulator. |
| dw.lender_period | respondent_rssd | text | The filer's RSSD from the reporter panel; 2004-2006 and 2010-2023; empty otherwise. |
| dw.lender_period | parent_name | text | Name of the filer's parent company on the reporter panel; empty when none. |
| dw.lender_period | topholder_rssd | text | RSSD of the top-tier holding company on the reporter panel; 2010-2023 only. |
| dw.lender_period | topholder_name | text | Name of the top-tier holding company on the reporter panel; 2010-2023 only. |
| dw.lender_period | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.lender_period | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.lender_period | problematic | boolean | true = a known problem is still open for this row; dw.data_note explains it |
| dw.lender_period | exempt_records | integer | Records using the 2018 [partial exemption](#term:partialExemption), which lets smaller banks and credit unions (under 500 loans a year) omit up to 26 fields; 0 = not used that year; empty before 2018. |
| dw.lender_period | uses_exemption | boolean | True when the lender used the [partial exemption](#term:partialExemption) on at least one record that year. |
| dw.lender_period | k_period_other_lender_code | integer | Panel year other_lender_code was carried from (2024 on); empty when the code is from the year's own panel. |
| dw.lender_relation | k_lender_relation | integer | The row's ID number in the warehouse. |
| dw.lender_relation | k_lender | integer | The acquired institution or the subsidiary (dw.lender). |
| dw.lender_relation | k_lender_parent | integer | The acquirer or the holding company (dw.lender). |
| dw.lender_relation | relation_type | text | From NIC: merger or holding_company; from reviewed identity decisions: merger, successor (same business re-registered), acquisition, failed_bank_acquisition, affiliate (common owner) or subsidiary. |
| dw.lender_relation | effective_dt | date | Date the link took effect: the NIC merger date or the start of holding-company control (1981-01-01 for older ones); for a reviewed decision, its date; empty when only a year was given. |
| dw.lender_relation | k_period_from | integer | First year the link applies (key of dw.period). |
| dw.lender_relation | k_period_to | integer | Last year the link applies; empty = still in force. |
| dw.lender_relation | k_source | integer | Where the link comes from (dw.source): the NIC mergers file, the NIC relationships file, or the reviewed lender identity decisions. |
| dw.lender_relation | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.lender_relation | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.lender_relation | detail | text | For a NIC merger, the transformation code and its meaning (1 merger or purchase and assumption, 50 failure); for a reviewed decision, its ID, type, action and reviewer; empty for holding-company links. |
| dw.lender_relation | problematic | boolean | true = a known problem is still open for this row; dw.data_note explains it |
| dw.lender_source_id | k_lender_source_id | integer | The row's ID number in the warehouse. |
| dw.lender_source_id | k_lender | integer | The lender (dw.lender) this ID belongs to. |
| dw.lender_source_id | id_type | text | LEI (2018 on), ARID (before 2018) or RSSD (from the reporter panel). |
| dw.lender_source_id | id_value | text | The ID as filed (LEI upper case; ARID e.g. 110004 = agency 1, respondent 10004); UNKNOWN = records filed with no ID. |
| dw.lender_source_id | k_period_first | integer | First year the ID was filed (key of dw.period); empty for IDs known only from the ARID-to-LEI [crosswalk](#term:crosswalkLenderIds) or from the National Information Center. |
| dw.lender_source_id | k_period_last | integer | Last year the ID was filed (key of dw.period); empty as for k_period_first. |
| dw.lender_source_id | k_source | integer | File the ID was first found in (dw.source); empty for IDs from the [crosswalk](#term:crosswalkLenderIds) or the loan records alone. |
| dw.lender_source_id | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.lender_source_id | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.lender_source_id | problematic | boolean | true = a known problem is still open for this row; dw.data_note explains it |
| dw.lender_top_holder | k_lender | integer | The lender (dw.lender); every lender appears for every year. |
| dw.lender_top_holder | k_period | integer | Year of the data, as a key to dw.period (a warehouse number; dw.period.year gives the year). |
| dw.lender_top_holder | k_lender_ultimate | integer | The top of the chain that year (dw.lender); the lender itself when it had no such link. |
| dw.lender_top_holder | depth | integer | Number of links climbed to reach k_lender_ultimate; 0 = the lender is its own top holder. |
| dw.lender_type_evidence | k_lender_type_evidence | integer | The row's ID number in the warehouse. |
| dw.lender_type_evidence | k_lender | integer | The HMDA lender (dw.lender) the evidence is about. |
| dw.lender_type_evidence | year | smallint | HMDA year the evidence applies to. |
| dw.lender_type_evidence | source | text | Who says it: hmda (the filing's regulator and other_lender_code), fdic (charter class that year), ncua (on the NCUA call report), nic (NIC entity type), fha (HUD's, the Department of Housing and Urban Development's, lender type today, applied to the years the FHA [crosswalk](#term:crosswalkLenderIds) links). |
| dw.lender_type_evidence | source_id | text | The record the evidence comes from: 'agency <code>' (HMDA), CERT: FDIC certificates, CHARTER: NCUA charter, RSSD: with entity type (NIC), FHA: HUD lender number. |
| dw.lender_type_evidence | raw_value | text | The code as the source gives it, e.g. 'agency_code=3; other_lender_code=0' or 'on the NCUA call report'. |
| dw.lender_type_evidence | allowed_types | text[] | Standard lender types this evidence allows: bank_national, bank_state_member, bank_state_nonmember, savings_institution, credit_union, foreign_bank_branch, nondep_independent (independent mortgage company), nondep_bank_subsidiary, nondep_holding_affiliate, government. |
| dw.lender_type_evidence | lender_type | text | allowed_types as one label: the type when only one, else the narrowest group covering them (bank, depository, depository_or_credit_union, nondepository, nondepository_or_government), else mixed. |
| dw.lender_type_evidence | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.lender_type_evidence | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.lender_type_evidence | problematic | boolean | true = a known data problem is still open for this row; dw.data_note explains it. |
| dw.lender_type_year | k_lender_type_year | integer | The row's ID number in the warehouse. |
| dw.lender_type_year | k_lender | integer | The HMDA lender (dw.lender). |
| dw.lender_type_year | year | smallint | HMDA year. |
| dw.lender_type_year | lender_type | text | Standard lender type that year (bank_national, bank_state_member, bank_state_nonmember, savings_institution, credit_union, foreign_bank_branch, nondep_independent for an independent mortgage company, nondep_bank_subsidiary, nondep_holding_affiliate, government), or a broader group when the evidence cannot narrow it (bank, depository, depository_or_credit_union, nondepository, nondepository_or_government). |
| dw.lender_type_year | source | text | Source(s) the value rests on, joined with +, e.g. hmda+fdic. |
| dw.lender_type_year | sources | text[] | Every source with evidence that year (hmda, fdic, ncua, nic, fha). |
| dw.lender_type_year | agrees | boolean | True when the sources' allowed types overlap; false when they contradict. |
| dw.lender_type_year | n_sources | integer | Number of evidence rows (dw.lender_type_evidence) behind the value. |
| dw.lender_type_year | allowed_types | text[] | The types every source allows (the overlap); on a contradiction, those of the source chosen. |
| dw.lender_type_year | evidence | jsonb | Every source's evidence, as a JSON (structured text) list of source, source ID and allowed types. |
| dw.lender_type_year | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.lender_type_year | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.lender_type_year | problematic | boolean | True when the sources contradict and no rule settles it (HMDA's own value is then kept), or a lender links to both an FDIC (Federal Deposit Insurance Corporation) bank and an NCUA (National Credit Union Administration) credit union. |
| dw.lender_web_terms | k_lender_web_terms | integer | |
| dw.lender_web_terms | k_lender | integer | |
| dw.lender_web_terms | lei | text | |
| dw.lender_web_terms | domain | text | |
| dw.lender_web_terms | terms_url | text | |
| dw.lender_web_terms | terms_title | text | |
| dw.lender_web_terms | terms_quote | text | |
| dw.lender_web_terms | terms_found_by | text | |
| dw.lender_web_terms | copy_permitted | boolean | |
| dw.lender_web_terms | trademark_notice | boolean | |
| dw.lender_web_terms | reviewed | text | |
| dw.lender_web_terms | read_dt | date | |
| dw.lender_web_terms | created_dt | timestamp with time zone | |
| dw.lender_web_terms | updated_dt | timestamp with time zone | |
| dw.lender_web_terms | problematic | boolean | |
| dw.lender_web_terms | marks_restricted | boolean | The quoted terms say the lender's trademarks or site content may not be used, reproduced or displayed without its permission (Wells Fargo: "You may not use, reproduce, or display any of the Wells Fargo trademarks except upon Wells Fargo's prior written consent"). A user who shows the logo then relies on referential (nominative) use, not on the terms, "Lender logos". |
| dw.lender_xwalk_fha | k_lender_xwalk_fha | integer | The row's ID number in the database. |
| dw.lender_xwalk_fha | fha_lender_key | text | Identifies the FHA (Federal Housing Administration) lender of record: its five-digit HUD (Department of Housing and Urban Development) lender number, or NAME: plus its cleaned-up name when HUD gave no number. |
| dw.lender_xwalk_fha | fha_lender_number | text | The lender's five-digit HUD (Department of Housing and Urban Development) lender number, leading zeros kept; empty when HUD gave none. |
| dw.lender_xwalk_fha | fha_lender_name | text | The lender's name as HUD (Department of Housing and Urban Development) wrote it that year (the most frequent spelling). |
| dw.lender_xwalk_fha | endorsement_year | smallint | Calendar year in which FHA insured the loans; the lender is matched against HMDA lenders of the same year. |
| dw.lender_xwalk_fha | fha_endorsements | integer | Number of FHA loans insured that year with this lender as lender of record (the sponsor, or the originating lender when there is no sponsor). |
| dw.lender_xwalk_fha | top_property_state | character(2) | Two-letter state where most of those FHA loans' properties are. |
| dw.lender_xwalk_fha | k_lender | integer | The HMDA lender this row is matched to (see dw.lender); empty when no match was found. |
| dw.lender_xwalk_fha | match_method | text | How the match was made: exact_normalised (exactly one HMDA lender that year has the same cleaned-up name), unmatched (no single lender found), matcha_business (chosen by the MATCHA probabilistic name-matching model), matcha_business_rerank (MATCHA's choice changed after weighing HMDA evidence), or person (decided by a reviewer). |
| dw.lender_xwalk_fha | reason | text | Why the decision was made: for the name rule a short code such as unique_name, name_shared_settled_by_state, ambiguous or no_exact_name; for model rows its decision, probability and any warning; for reviewer rows who decided, when and why. |
| dw.lender_xwalk_fha | candidate_count | integer | How many HMDA lenders that year were considered as possible matches. |
| dw.lender_xwalk_fha | hmda_fha_originated | integer | The matched lender's HMDA FHA originations that year (first-lien, not multifamily, excluding reverse mortgages), shown as evidence for the match; empty when unmatched or when it has none. |
| dw.lender_xwalk_fha | volume_ratio | numeric(6,3) | How close the two loan counts are: the smaller of the FHA count and the matched lender's HMDA FHA originations divided by the larger (0 to 1; 1 = equal). Empty when unmatched or no HMDA FHA loans. |
| dw.lender_xwalk_fha | state_similarity | numeric(6,3) | How alike the lender's FHA loans and its HMDA FHA loans are spread across states (0 to 1; 1 = the same mix). Empty when unmatched or no HMDA FHA loans. |
| dw.lender_xwalk_fha | match_prob | numeric(6,4) | For model-decided rows, the probability (0 to 1) that the chosen lender is right, or of the best candidate when none was chosen; empty for rule and reviewer rows. |
| dw.lender_xwalk_fha | p_none | numeric(6,4) | For model-decided rows, the probability (0 to 1) that the true lender is none of the candidates; empty for rule and reviewer rows. |
| dw.lender_xwalk_fha | decided_by | text | Who made the decision: baseline (exact-name rule), matcha or matcha+rerank (the name-matching model), or a person. Where several exist, the *_current view uses a person's decision first, then the model's, then the rule's. |
| dw.lender_xwalk_fha | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.lender_xwalk_fha | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.lender_xwalk_fha | problematic | boolean | Known open problem on this row (see dw.data_note) |
| dw.lender_xwalk_fha_current | k_lender_xwalk_fha | integer | ID number of the dw.lender_xwalk_fha row shown. |
| dw.lender_xwalk_fha_current | fha_lender_key | text | Identifies the FHA (Federal Housing Administration) lender of record: its five-digit HUD (Department of Housing and Urban Development) lender number, or NAME: plus its cleaned-up name when HUD gave no number. |
| dw.lender_xwalk_fha_current | fha_lender_number | text | The lender's five-digit HUD (Department of Housing and Urban Development) lender number, leading zeros kept; empty when HUD gave none. |
| dw.lender_xwalk_fha_current | fha_lender_name | text | The lender's name as HUD (Department of Housing and Urban Development) wrote it that year (the most frequent spelling). |
| dw.lender_xwalk_fha_current | endorsement_year | smallint | Calendar year in which FHA insured the loans; the lender is matched against HMDA lenders of the same year. |
| dw.lender_xwalk_fha_current | fha_endorsements | integer | Number of FHA loans insured that year with this lender as lender of record (the sponsor, or the originating lender when there is no sponsor). |
| dw.lender_xwalk_fha_current | top_property_state | character(2) | Two-letter state where most of those FHA loans' properties are. |
| dw.lender_xwalk_fha_current | k_lender | integer | The HMDA lender this row is matched to (see dw.lender); empty when no match was found. |
| dw.lender_xwalk_fha_current | match_method | text | How the match was made: exact_normalised (exactly one HMDA lender that year has the same cleaned-up name), unmatched (no single lender found), matcha_business (chosen by the MATCHA probabilistic name-matching model), matcha_business_rerank (MATCHA's choice changed after weighing HMDA evidence), or person (decided by a reviewer). |
| dw.lender_xwalk_fha_current | reason | text | Why the decision was made: for the name rule a short code such as unique_name, name_shared_settled_by_state, ambiguous or no_exact_name; for model rows its decision, probability and any warning; for reviewer rows who decided, when and why. |
| dw.lender_xwalk_fha_current | candidate_count | integer | How many HMDA lenders that year were considered as possible matches. |
| dw.lender_xwalk_fha_current | hmda_fha_originated | integer | The matched lender's HMDA FHA originations that year (first-lien, not multifamily, excluding reverse mortgages), shown as evidence for the match; empty when unmatched or when it has none. |
| dw.lender_xwalk_fha_current | volume_ratio | numeric(6,3) | How close the two loan counts are: the smaller of the FHA count and the matched lender's HMDA FHA originations divided by the larger (0 to 1; 1 = equal). Empty when unmatched or no HMDA FHA loans. |
| dw.lender_xwalk_fha_current | state_similarity | numeric(6,3) | How alike the lender's FHA loans and its HMDA FHA loans are spread across states (0 to 1; 1 = the same mix). Empty when unmatched or no HMDA FHA loans. |
| dw.lender_xwalk_fha_current | match_prob | numeric(6,4) | For model-decided rows, the probability (0 to 1) that the chosen lender is right, or of the best candidate when none was chosen; empty for rule and reviewer rows. |
| dw.lender_xwalk_fha_current | p_none | numeric(6,4) | For model-decided rows, the probability (0 to 1) that the true lender is none of the candidates; empty for rule and reviewer rows. |
| dw.lender_xwalk_fha_current | decided_by | text | Who made the decision: baseline (exact-name rule), matcha or matcha+rerank (the name-matching model), or a person. Where several exist, the *_current view uses a person's decision first, then the model's, then the rule's. |
| dw.lender_xwalk_fha_current | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.lender_xwalk_fha_current | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.lender_xwalk_fha_current | problematic | boolean | true = a known data problem is still open for this row; dw.data_note explains it. |
| dw.lender_xwalk_ginnie | k_lender_xwalk_ginnie | integer | The row's ID number in the database. |
| dw.lender_xwalk_ginnie | issuer_number | smallint | Ginnie Mae (Government National Mortgage Association) four-digit issuer number being matched to an HMDA lender. |
| dw.lender_xwalk_ginnie | issuer_name | text | The issuer's name used for matching: its newest name in dw.ginnie_issuer. |
| dw.lender_xwalk_ginnie | year | smallint | Year the pools were issued, matched against the same HMDA year. Rule rows cover 2023-2025; model rows 2005-2025. |
| dw.lender_xwalk_ginnie | ginnie_loans | integer | Loans this issuer pooled in Ginnie Mae pools issued that year that are still in the latest monthly portfolio file, so older years are only the survivors and far below what was issued. |
| dw.lender_xwalk_ginnie | ginnie_basis | text | In words, what ginnie_loans counts: which monthly loan file was used and how loans were assigned to issuer and year. |
| dw.lender_xwalk_ginnie | top_property_state | character(2) | Two-letter state holding most of those loans' properties; used to settle names shared by several HMDA lenders. |
| dw.lender_xwalk_ginnie | k_lender | integer | The HMDA lender this row is matched to (see dw.lender); empty when no match was found. |
| dw.lender_xwalk_ginnie | match_method | text | How the match was made: exact_normalised (exactly one HMDA lender that year has the same cleaned-up name), unmatched (no single lender found), matcha_business (chosen by the MATCHA probabilistic name-matching model), matcha_business_rerank (MATCHA's choice changed after weighing HMDA evidence), or person (decided by a reviewer). |
| dw.lender_xwalk_ginnie | reason | text | Why the decision was made: for the name rule a short code such as unique_name, name_shared_settled_by_state, ambiguous or no_exact_name; for model rows its decision, probability and any warning; for reviewer rows who decided, when and why. |
| dw.lender_xwalk_ginnie | candidate_count | integer | How many HMDA lenders that year were considered as possible matches. |
| dw.lender_xwalk_ginnie | hmda_govt_originated | integer | The matched lender's HMDA originations that year of first-lien FHA (Federal Housing Administration), VA (Veterans Affairs) and USDA (Department of Agriculture) loans, not multifamily; evidence of size, not a condition of the match. Empty when unmatched. |
| dw.lender_xwalk_ginnie | volume_ratio | numeric(8,3) | ginnie_loans divided by hmda_govt_originated. It can exceed 1, because an issuer also pools loans it bought, and older years count survivors only. |
| dw.lender_xwalk_ginnie | match_prob | numeric(6,4) | For model-decided rows, the probability (0 to 1) that the chosen lender is right, or of the best candidate when none was chosen; empty for rule and reviewer rows. |
| dw.lender_xwalk_ginnie | p_none | numeric(6,4) | For model-decided rows, the probability (0 to 1) that the true lender is none of the candidates; empty for rule and reviewer rows. |
| dw.lender_xwalk_ginnie | decided_by | text | Who made the decision: baseline (exact-name rule), matcha or matcha+rerank (the name-matching model), or a person. Where several exist, the *_current view uses a person's decision first, then the model's, then the rule's. |
| dw.lender_xwalk_ginnie | problematic | boolean | true = a known data problem is still open for this row; dw.data_note explains it. |
| dw.lender_xwalk_ginnie | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.lender_xwalk_ginnie | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.lender_xwalk_ginnie_current | k_lender_xwalk_ginnie | integer | ID number of the dw.lender_xwalk_ginnie row shown. |
| dw.lender_xwalk_ginnie_current | issuer_number | smallint | Ginnie Mae (Government National Mortgage Association) four-digit issuer number being matched to an HMDA lender. |
| dw.lender_xwalk_ginnie_current | issuer_name | text | The issuer's name as Ginnie Mae publishes it. |
| dw.lender_xwalk_ginnie_current | year | smallint | Year the pools were issued, matched against the same HMDA year. Rule rows cover 2023-2025; model rows 2005-2025. |
| dw.lender_xwalk_ginnie_current | ginnie_loans | integer | Loans this issuer pooled into Ginnie Mae pools issued that year that were still active in the month ginnie_basis names (FHA, the Federal Housing Administration; VA, Veterans Affairs; USDA, Department of Agriculture rural housing and Section 184 Native American loans). |
| dw.lender_xwalk_ginnie_current | ginnie_basis | text | In words, what ginnie_loans counts: which monthly loan file was used and how loans were assigned to issuer and year. |
| dw.lender_xwalk_ginnie_current | top_property_state | character(2) | Two-letter state holding most of those loans' properties; used to settle names shared by several HMDA lenders. |
| dw.lender_xwalk_ginnie_current | k_lender | integer | The HMDA lender this row is matched to (see dw.lender); empty when no match was found. |
| dw.lender_xwalk_ginnie_current | match_method | text | How the match was made: exact_normalised (exactly one HMDA lender that year has the same cleaned-up name), unmatched (no single lender found), matcha_business (chosen by the MATCHA probabilistic name-matching model), matcha_business_rerank (MATCHA's choice changed after weighing HMDA evidence), or person (decided by a reviewer). |
| dw.lender_xwalk_ginnie_current | reason | text | Why the decision was made: for the name rule a short code such as unique_name, name_shared_settled_by_state, ambiguous or no_exact_name; for model rows its decision, probability and any warning; for reviewer rows who decided, when and why. |
| dw.lender_xwalk_ginnie_current | candidate_count | integer | How many HMDA lenders that year were considered as possible matches. |
| dw.lender_xwalk_ginnie_current | hmda_govt_originated | integer | The matched lender's HMDA originations that year of first-lien FHA (Federal Housing Administration), VA (Veterans Affairs) and USDA (Department of Agriculture) loans, not multifamily; evidence of size, not a condition of the match. Empty when unmatched. |
| dw.lender_xwalk_ginnie_current | volume_ratio | numeric(8,3) | ginnie_loans divided by hmda_govt_originated. It can exceed 1, because an issuer also pools loans it bought, and older years count survivors only. |
| dw.lender_xwalk_ginnie_current | match_prob | numeric(6,4) | For model-decided rows, the probability (0 to 1) that the chosen lender is right, or of the best candidate when none was chosen; empty for rule and reviewer rows. |
| dw.lender_xwalk_ginnie_current | p_none | numeric(6,4) | For model-decided rows, the probability (0 to 1) that the true lender is none of the candidates; empty for rule and reviewer rows. |
| dw.lender_xwalk_ginnie_current | decided_by | text | Who made the decision: baseline (exact-name rule), matcha or matcha+rerank (the name-matching model), or a person. Where several exist, the *_current view uses a person's decision first, then the model's, then the rule's. |
| dw.lender_xwalk_ginnie_current | problematic | boolean | true = a known data problem is still open for this row; dw.data_note explains it. |
| dw.lender_xwalk_ginnie_current | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.lender_xwalk_ginnie_current | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.lender_xwalk_va | k_lender_xwalk_va | integer | The row's ID number in the database. |
| dw.lender_xwalk_va | va_lender_name | text | Lender name as the VA (Department of Veterans Affairs) published it; VA publishes no lender number. |
| dw.lender_xwalk_va | year_basis | text | Which kind of year the row uses: calendar_year (2018-2025, built from VA's monthly and quarterly lender files) or fiscal_year (VA's October-to-September year, named for the year it ends in, FY2006 on). |
| dw.lender_xwalk_va | year | smallint | The calendar year or VA fiscal year, as year_basis says. |
| dw.lender_xwalk_va | va_loans | integer | Loans VA guaranteed for this lender in that year. |
| dw.lender_xwalk_va | k_lender | integer | The HMDA lender this row is matched to (see dw.lender); empty when no match was found. |
| dw.lender_xwalk_va | match_method | text | How the match was made: exact_normalised (exactly one HMDA lender that year has the same cleaned-up name), unmatched (no single lender found), matcha_business (chosen by the MATCHA probabilistic name-matching model), matcha_business_rerank (MATCHA's choice changed after weighing HMDA evidence), or person (decided by a reviewer). |
| dw.lender_xwalk_va | reason | text | Why the decision was made: for the name rule a short code such as unique_name, name_shared_settled_by_state, ambiguous or no_exact_name; for model rows its decision, probability and any warning; for reviewer rows who decided, when and why. Also name_not_unique_in_va when the name stands for more than one VA lender. |
| dw.lender_xwalk_va | candidate_count | integer | How many HMDA lenders were considered as possible matches (for a fiscal year, those filing in either calendar year it spans). |
| dw.lender_xwalk_va | hmda_va_originated | numeric(12,1) | The matched lender's HMDA VA originations on the same year basis (first-lien, not multifamily, excluding reverse mortgages); for a fiscal year, a quarter of the earlier calendar year plus three quarters of the later one. Empty when unmatched or when it has none. |
| dw.lender_xwalk_va | volume_ratio | numeric(6,3) | How close the two loan counts are: the smaller of va_loans and hmda_va_originated divided by the larger (0 to 1; 1 = equal). Empty when unmatched or no HMDA VA loans. |
| dw.lender_xwalk_va | match_prob | numeric(6,4) | For model-decided rows, the probability (0 to 1) that the chosen lender is right, or of the best candidate when none was chosen; empty for rule and reviewer rows. |
| dw.lender_xwalk_va | p_none | numeric(6,4) | For model-decided rows, the probability (0 to 1) that the true lender is none of the candidates; empty for rule and reviewer rows. |
| dw.lender_xwalk_va | decided_by | text | Who made the decision: baseline (exact-name rule), matcha or matcha+rerank (the name-matching model), or a person. Where several exist, the *_current view uses a person's decision first, then the model's, then the rule's. |
| dw.lender_xwalk_va | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.lender_xwalk_va | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.lender_xwalk_va | problematic | boolean | Known open problem on this row (see dw.data_note) |
| dw.lender_xwalk_va_current | k_lender_xwalk_va | integer | ID number of the dw.lender_xwalk_va row shown. |
| dw.lender_xwalk_va_current | va_lender_name | text | Lender name as the VA (Department of Veterans Affairs) published it; VA publishes no lender number. |
| dw.lender_xwalk_va_current | year_basis | text | Which kind of year the row uses: calendar_year (2018-2025, built from VA's monthly and quarterly lender files) or fiscal_year (VA's October-to-September year, named for the year it ends in, FY2006 on). |
| dw.lender_xwalk_va_current | year | smallint | The calendar year or VA fiscal year, as year_basis says. |
| dw.lender_xwalk_va_current | va_loans | integer | Loans VA guaranteed for this lender in that year. |
| dw.lender_xwalk_va_current | k_lender | integer | The HMDA lender this row is matched to (see dw.lender); empty when no match was found. |
| dw.lender_xwalk_va_current | match_method | text | How the match was made: exact_normalised (exactly one HMDA lender that year has the same cleaned-up name), unmatched (no single lender found), matcha_business (chosen by the MATCHA probabilistic name-matching model), matcha_business_rerank (MATCHA's choice changed after weighing HMDA evidence), or person (decided by a reviewer). |
| dw.lender_xwalk_va_current | reason | text | Why the decision was made: for the name rule a short code such as unique_name, name_shared_settled_by_state, ambiguous or no_exact_name; for model rows its decision, probability and any warning; for reviewer rows who decided, when and why. Also name_not_unique_in_va when the name stands for more than one VA lender. |
| dw.lender_xwalk_va_current | candidate_count | integer | How many HMDA lenders were considered as possible matches (for a fiscal year, those filing in either calendar year it spans). |
| dw.lender_xwalk_va_current | hmda_va_originated | numeric(12,1) | The matched lender's HMDA VA originations on the same year basis (first-lien, not multifamily, excluding reverse mortgages); for a fiscal year, a quarter of the earlier calendar year plus three quarters of the later one. Empty when unmatched or when it has none. |
| dw.lender_xwalk_va_current | volume_ratio | numeric(6,3) | How close the two loan counts are: the smaller of va_loans and hmda_va_originated divided by the larger (0 to 1; 1 = equal). Empty when unmatched or no HMDA VA loans. |
| dw.lender_xwalk_va_current | match_prob | numeric(6,4) | For model-decided rows, the probability (0 to 1) that the chosen lender is right, or of the best candidate when none was chosen; empty for rule and reviewer rows. |
| dw.lender_xwalk_va_current | p_none | numeric(6,4) | For model-decided rows, the probability (0 to 1) that the true lender is none of the candidates; empty for rule and reviewer rows. |
| dw.lender_xwalk_va_current | decided_by | text | Who made the decision: baseline (exact-name rule), matcha or matcha+rerank (the name-matching model), or a person. Where several exist, the *_current view uses a person's decision first, then the model's, then the rule's. |
| dw.lender_xwalk_va_current | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.lender_xwalk_va_current | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.lender_xwalk_va_current | problematic | boolean | true = a known data problem is still open for this row; dw.data_note explains it. |
| dw.lender_year_attribute | k_lender_year_attribute | integer | The row's ID number in the database. |
| dw.lender_year_attribute | k_lender | integer | The HMDA lender (see dw.lender). |
| dw.lender_year_attribute | year | integer | HMDA filing year. |
| dw.lender_year_attribute | name_as_filed | text | The lender's name on that year's HMDA filing. |
| dw.lender_year_attribute | lei | text[] | Every LEI (Legal Entity Identifier) linked to the lender in any year; empty when none. |
| dw.lender_year_attribute | rssd | text[] | Every RSSD (the Federal Reserve's institution ID) linked to the lender; empty when none. |
| dw.lender_year_attribute | ho_street | text | Head-office street address, the best one found that year from bank and credit union regulators, SEC (Securities and Exchange Commission), HUD (Department of Housing and Urban Development), GLEIF (Global Legal Entity Identifier Foundation) and HMDA records (a registered agent's office is never used); empty when only a city is known. |
| dw.lender_year_attribute | ho_city | text | Head-office city; when no address is found, the city on the HMDA filing. |
| dw.lender_year_attribute | ho_state | text | Head-office two-letter state; when no address is found, the state on the HMDA filing. |
| dw.lender_year_attribute | ho_zip | text | Head-office five-digit ZIP code. |
| dw.lender_year_attribute | ho_lat | double precision | Head-office latitude, in decimal degrees. |
| dw.lender_year_attribute | ho_lon | double precision | Head-office longitude, in decimal degrees. |
| dw.lender_year_attribute | ho_geo_precision | text | How precise the head-office coordinates are: source_point (FDIC's own), street, zip_centroid, city_centroid or none. |
| dw.lender_year_attribute | ho_address_source | text | Which source and address type became the head office, e.g. fdic_sod:head_office, hmda_ts:mailing or gleif:legal; empty when none was found. |
| dw.lender_year_attribute | ho_address_as_of | date | Date the head-office address describes. |
| dw.lender_year_attribute | phone_e164 | text | Telephone number in international form (+1 and ten digits): that year's NCUA (National Credit Union Administration) phone, else the current HUD (Department of Housing and Urban Development) Lender List phone; empty when none. |
| dw.lender_year_attribute | phone_source | text | Where the phone number came from: ncua or fha. |
| dw.lender_year_attribute | website_domain | text | Website domain in lower case: that year's NCUA (National Credit Union Administration) website, else the current FDIC (Federal Deposit Insurance Corporation) one; empty when none. |
| dw.lender_year_attribute | website_source | text | Where the website came from: ncua or fdic_inst. |
| dw.lender_year_attribute | lender_type_year | text | The lender's type that year, harmonised across sources (see dw.lender_type_year). |
| dw.lender_year_attribute | lender_type_source | text | The source or sources the lender type rests on, e.g. hmda+fdic. |
| dw.lender_year_attribute | lender_type_agrees | boolean | True when the sources agree on the lender's type that year. |
| dw.lender_year_attribute | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.lender_year_attribute | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.lender_year_attribute | problematic | boolean | true = a known data problem is still open for this row; dw.data_note explains it. |
| dw.lender_year_move | k_lender_year_move | integer | The row's ID number in the database. |
| dw.lender_year_move | k_lender_from | integer | The lender (see dw.lender) the year's filing is moved away from. |
| dw.lender_year_move | k_period | integer | The year being moved (see dw.period). |
| dw.lender_year_move | k_lender_to | integer | The lender (see dw.lender) that receives the year's filing. |
| dw.lender_year_move | rule | text | Why the year moved: TAX_LINK (the year's tax ID is the receiving lender's main tax ID and its filed name matches one that lender used) or REVIEW (a reviewer's decision). |
| dw.lender_year_move | evidence | jsonb | The facts behind the move, in JSON form: the nine-digit tax ID, the year and the name as filed. |
| dw.lender_year_move | applied_dt | timestamp with time zone | When the move was applied to the lender tables; empty if not applied yet. |
| dw.lender_year_move | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.lender_year_move | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.lender_year_move | problematic | boolean | true = a known data problem is still open for this row; dw.data_note explains it. |
| dw.lender_year_move | id_type | text | Together with id_value, limits the move to filings made under one filing ID; empty means every filing of the lender that year moves. |
| dw.lender_year_move | id_value | text | The one filing ID whose filings move; empty means every filing of the lender that year moves. |
| dw.lender_year_move | facts_applied_dt | timestamp with time zone | When a move limited to one filing ID was applied to the application records (dw.lar). |
| dw.loan_profile | k_loan_profile | integer | The row's ID number in the database. |
| dw.loan_profile | code_era | text | Which set of HMDA codes applies: pre2004 (1990-2003), pre2018 (2004-2017) or 2018on; raw codes mean different things in each. |
| dw.loan_profile | loan_type | smallint | Loan type code: 1 [conventional](#term:conventional), 2 FHA (Federal Housing Administration) insured, 3 VA (Veterans Affairs) guaranteed, 4 USDA (Department of Agriculture) rural housing. |
| dw.loan_profile | loan_purpose | smallint | Loan purpose code as filed, whose meaning depends on the era: 1990-2003: 1 purchase, 2 improvement, 3 refinance, 4 multifamily; 2004-2017: 1 purchase, 2 improvement, 3 refinance; 2018 on: 1 purchase, 2 improvement, 31 refinance, 32 cash-out refinance, 4 other, 5 not applicable. |
| dw.loan_profile | lien_status | smallint | Lien code: 1 first lien, 2 subordinate lien; 2004-2017 also 3 not secured, 4 not applicable (purchased loan). Empty 1990-2003, when it was not collected. |
| dw.loan_profile | occupancy_code | smallint | Occupancy code: before 2018 1 owner-occupied, 2 not owner-occupied, 3 not applicable; from 2018 1 principal residence, 2 second home, 3 investment property. |
| dw.loan_profile | property_type | smallint | Property type, 2004-2017 only: 1 one-to-four family (not manufactured), 2 manufactured housing, 3 multifamily; empty in other years. |
| dw.loan_profile | construction_method | smallint | Construction method, 2018 on only: 1 site-built, 2 manufactured home; empty before 2018. |
| dw.loan_profile | dwelling_category | text | The FFIEC's (Federal Financial Institutions Examination Council) dwelling category, 2018 on only: single family or multifamily, each site-built or manufactured; empty before 2018. |
| dw.loan_profile | conforming_loan_limit | text | Whether the loan amount is within the Fannie Mae and Freddie Mac conforming loan limit: C conforming, NC nonconforming, U undetermined. 2018 on only; empty before 2018 and where the FFIEC (Federal Financial Institutions Examination Council) published NA. |
| dw.loan_profile | open_end | smallint | Open-end line of credit, such as a home equity line: 1 yes, 2 no, 1111 Exempt ([partial exemption](#term:partialExemption) for smaller lenders). 2018 on only. |
| dw.loan_profile | business_purpose | smallint | Mainly for a business or commercial purpose: 1 yes, 2 no, 1111 Exempt ([partial exemption](#term:partialExemption) for smaller lenders). 2018 on only. |
| dw.loan_profile | reverse_mortgage | smallint | Reverse mortgage: 1 yes, 2 no, 1111 Exempt ([partial exemption](#term:partialExemption) for smaller lenders). 2018 on only. |
| dw.loan_profile | loan_type_group | text | Loan type comparable across all years: [conventional](#term:conventional), fha, va or usda; na when missing or invalid. |
| dw.loan_profile | purpose_group | text | Purpose comparable across all years: purchase, refinance (including cash-out), improvement, other (2018 on), multifamily (1990-2003) or na. |
| dw.loan_profile | lien_group | text | Lien comparable across all years: first, subordinate, unsecured (2004-2017 only) or na (not applicable, purchased loans before 2018, or 1990-2003 when lien was not collected). |
| dw.loan_profile | occupancy_group | text | Occupancy comparable across all years: principal (owner's main home), not_principal (second home or investment) or na. |
| dw.loan_profile | dwelling_group | text | Dwelling type comparable across all years: single_family (1-4 units, site-built), manufactured, multifamily or na. For 1990-2003, multifamily when the purpose is multifamily, else single_family. |
| dw.loan_profile | is_core_market | boolean | True for the core home-lending market: first-lien, owner-occupied, 1-4 family, and not open-end, business-purpose or reverse. For 1990-2003: owner-occupied 1-4 family purchase, improvement or refinance. |
| dw.loan_profile | natural_key | text | All the raw codes of the row joined with |; unique, so each combination is stored once. |
| dw.loan_profile | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.loan_profile | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.loan_profile | problematic | boolean | true = a known problem is still open for this row; dw.data_note explains it |
| dw.lodes_tract | k_lodes_tract | integer | The row's ID number in the database. |
| dw.lodes_tract | lodes_version | text | The LODES release the counts come from: LODES8 (2020 census blocks) in every row. |
| dw.lodes_tract | tract_code | character(11) | Eleven-digit 2020 census tract code (Connecticut on its old county codes). |
| dw.lodes_tract | state_abbr | character(2) | Two-letter state abbreviation. |
| dw.lodes_tract | wac_year | smallint | Year of the place-of-work counts (the work_* columns): 2023 for most states, 2016 for Alaska, 2021 for Michigan; empty when the tract has only place-of-residence counts. |
| dw.lodes_tract | rac_year | smallint | Year of the place-of-residence counts (the home_* columns): 2023; empty when the tract has only place-of-work counts. |
| dw.lodes_tract | work_blocks | integer | Number of census blocks summed into the place-of-work counts. |
| dw.lodes_tract | work_jobs | integer | Jobs located in the tract. |
| dw.lodes_tract | work_jobs_age_29_under | integer | Jobs located in the tract held by workers aged 29 or younger. |
| dw.lodes_tract | work_jobs_age_30_54 | integer | Jobs located in the tract held by workers aged 30 to 54. |
| dw.lodes_tract | work_jobs_age_55_plus | integer | Jobs located in the tract held by workers aged 55 or older. |
| dw.lodes_tract | work_jobs_earn_1250_under | integer | Jobs located in the tract paying $1,250 a month or less. |
| dw.lodes_tract | work_jobs_earn_1251_3333 | integer | Jobs located in the tract paying $1,251 to $3,333 a month. |
| dw.lodes_tract | work_jobs_earn_3333_plus | integer | Jobs located in the tract paying more than $3,333 a month. |
| dw.lodes_tract | work_jobs_finance_insurance | integer | Jobs located in the tract in finance and insurance (industry code NAICS 52, North American Industry Classification System). |
| dw.lodes_tract | work_jobs_real_estate | integer | Jobs located in the tract in real estate and rental and leasing (industry code NAICS 53, North American Industry Classification System). |
| dw.lodes_tract | work_jobs_construction | integer | Jobs located in the tract in construction (industry code NAICS 23, North American Industry Classification System). |
| dw.lodes_tract | home_blocks | integer | Number of census blocks summed into the place-of-residence counts. |
| dw.lodes_tract | home_jobs | integer | Jobs held by workers living in the tract. |
| dw.lodes_tract | home_jobs_age_29_under | integer | Jobs held by workers living in the tract aged 29 or younger. |
| dw.lodes_tract | home_jobs_age_30_54 | integer | Jobs held by workers living in the tract aged 30 to 54. |
| dw.lodes_tract | home_jobs_age_55_plus | integer | Jobs held by workers living in the tract aged 55 or older. |
| dw.lodes_tract | home_jobs_earn_1250_under | integer | Jobs held by workers living in the tract paying $1,250 a month or less. |
| dw.lodes_tract | home_jobs_earn_1251_3333 | integer | Jobs held by workers living in the tract paying $1,251 to $3,333 a month. |
| dw.lodes_tract | home_jobs_earn_3333_plus | integer | Jobs held by workers living in the tract paying more than $3,333 a month. |
| dw.lodes_tract | home_jobs_finance_insurance | integer | Jobs in finance and insurance (NAICS 52, North American Industry Classification System) held by workers living in the tract. |
| dw.lodes_tract | home_jobs_real_estate | integer | Jobs in real estate and rental and leasing (NAICS 53, North American Industry Classification System) held by workers living in the tract. |
| dw.lodes_tract | home_jobs_construction | integer | Jobs in construction (NAICS 23, North American Industry Classification System) held by workers living in the tract. |
| dw.lodes_tract | k_source | integer | The source file record (see dw.source): the first LODES state file loaded for the tract. |
| dw.lodes_tract | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.lodes_tract | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.lodes_tract | problematic | boolean | true = a known problem is still open for this row; dw.data_note explains it |
| dw.market | k_market | bigint | The row's ID number in the database. |
| dw.market | k_period | integer | Year of the data (see dw.period); filter on it to read only the years you need. |
| dw.market | k_lender | integer | The lender that reported the records (see dw.lender). |
| dw.market | k_geo_state | integer | The property's state (see dw.geo_state); empty when the records have none. |
| dw.market | k_geo_msa | integer | The property's metro area as filed (see dw.geo_msa); empty when the records have none. |
| dw.market | k_loan_profile | integer | The combination of loan type, purpose, lien, occupancy and property codes (see dw.loan_profile). |
| dw.market | applications | integer | Applications: originated, approved but not accepted, denied, withdrawn or closed as incomplete. Purchased loans and preapproval requests are not counted. |
| dw.market | decided | integer | Applications decided: originated, approved but not accepted, or denied. |
| dw.market | denied | integer | Applications denied. |
| dw.market | originated | integer | Loans originated. |
| dw.market | originated_amount | numeric | Total amount of the originated loans, in dollars. |
| dw.market | purchased | integer | Loans the lender bought from another institution. |
| dw.market | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.market | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.market | problematic | boolean | true = a known problem is still open for this row; dw.data_note explains it |
| dw.market_share | k_market_share | bigint | The row's ID number in the database. |
| dw.market_share | k_period | integer | Year of the data (see dw.period); filter on it to read only the years you need. |
| dw.market_share | k_lender | integer | The lender (see dw.lender). |
| dw.market_share | geo_level | text | Whether the market is a state (state) or a metro area (msa). |
| dw.market_share | k_geo_state | integer | The state (see dw.geo_state), for state rows; empty for metro rows. |
| dw.market_share | k_geo_msa | integer | The metro area (see dw.geo_msa), for metro rows; areas outside any metro are left out. Empty for state rows. |
| dw.market_share | originated | integer | The lender's core-market loans originated in the area that year. |
| dw.market_share | originated_amount | numeric | Total amount of those loans, in dollars. |
| dw.market_share | market_originated | integer | Core-market loans originated in the area that year by all lenders. |
| dw.market_share | market_amount | numeric | Total amount originated in the area that year by all lenders, in dollars. |
| dw.market_share | share_count | numeric | The lender's share of loans in the area (0 to 1): originated divided by market_originated. |
| dw.market_share | share_amount | numeric | The lender's share of dollars in the area (0 to 1): originated_amount divided by market_amount. |
| dw.market_share | rank_count | integer | The lender's rank in the area that year by loans originated (1 = most; tied lenders share a rank). |
| dw.market_share | k_period_prev | integer | The lender's previous year with originations in the same area, not always the year before (see dw.period); empty for its first year there. |
| dw.market_share | prev_share_count | numeric | The lender's share of loans in that previous year (0 to 1). |
| dw.market_share | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.market_share | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.market_share | problematic | boolean | true = a known problem is still open for this row; dw.data_note explains it |
| dw.metro_county | k_metro_county | integer | The row's ID number in the database. |
| dw.metro_county | vintage | smallint | Year of the OMB (Office of Management and Budget) metro definition: 1990, 1993 or 1999. |
| dw.metro_county | msa_md_code | text | Four-digit metro code: an MSA or CMSA (metropolitan or consolidated metropolitan statistical area) or a PMSA (primary MSA). A county in a PMSA is listed under both its PMSA and its CMSA, since HMDA reports either. |
| dw.metro_county | county_fips | character(5) | Five-digit county FIPS (Federal Information Processing Standards) code: two-digit state plus three-digit county. |
| dw.metro_county | k_source | integer | The source file record (see dw.source): the Census metro definition file. |
| dw.metro_county | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.metro_county | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.metro_county | problematic | boolean | true = a known problem is still open for this row; dw.data_note explains it |
| dw.nces_district_tract | k_nces_district_tract | integer | The row's ID number in the database. |
| dw.nces_district_tract | grf_year | smallint | Edition of the relationship file: the year the school year ends (2025 = school year 2024-25). |
| dw.nces_district_tract | leaid | character(7) | Seven-digit NCES (National Center for Education Statistics) school district ID: two-digit state code plus five-digit district number. |
| dw.nces_district_tract | district_name | text | School district name as NCES published it. |
| dw.nces_district_tract | tract_code | character(11) | Eleven-digit 2020 census tract code as NCES published it (Connecticut on its planning-region county codes 09110-09190). |
| dw.nces_district_tract | block_count | integer | Number of 2020 census blocks of the tract that lie in the district. |
| dw.nces_district_tract | land_sqmi | numeric | Land area of the part of the tract in the district, in square miles. |
| dw.nces_district_tract | water_sqmi | numeric | Water area of the part of the tract in the district, in square miles. |
| dw.nces_district_tract | tract_land_share | numeric | Share of the tract's land that lies in this district (0 to 1; can slightly exceed 1 from rounding). |
| dw.nces_district_tract | primary_district | boolean | True for the district holding the largest share of the tract's land. |
| dw.nces_district_tract | k_source | integer | The source file record (see dw.source): the NCES relationship file this row came from. |
| dw.nces_district_tract | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.nces_district_tract | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.nces_district_tract | problematic | boolean | true = a known problem is still open for this row; dw.data_note explains it |
| dw.ncua_branch | k_ncua_branch | integer | The row's ID number in the database. |
| dw.ncua_branch | report_year | smallint | Year of the December 31 NCUA (National Credit Union Administration) call report the office list comes from, 2010 on. |
| dw.ncua_branch | charter_number | integer | NCUA charter number of the credit union that owns the office; links to dw.ncua_credit_union with report_year. |
| dw.ncua_branch | site_id | bigint | NCUA's ID number for the office. |
| dw.ncua_branch | rssd | text | The credit union's RSSD (the Federal Reserve's institution ID), taken from dw.ncua_credit_union for the same year. |
| dw.ncua_branch | cu_name | text | Name of the credit union as given in the branch file. |
| dw.ncua_branch | site_name | text | Name of the office. |
| dw.ncua_branch | site_type | text | NCUA office type, such as Corporate Office or Branch Office. |
| dw.ncua_branch | is_main_office | boolean | True for the credit union's main office. |
| dw.ncua_branch | address | text | Street address of the office. |
| dw.ncua_branch | city | text | City of the office. |
| dw.ncua_branch | state | character(2) | Two-letter state of the office. |
| dw.ncua_branch | zip | character(5) | Five-digit ZIP code of the office; empty when blank or zero. |
| dw.ncua_branch | county_name | text | County name as NCUA published it (NCUA gives no county code). |
| dw.ncua_branch | county_fips | character(5) | Five-digit county FIPS (Federal Information Processing Standards) code, found by matching the county name and state; empty when no single match. |
| dw.ncua_branch | country | text | Country of the office, e.g. United States; a few offices are outside the United States. |
| dw.ncua_branch | member_services | boolean | True when the office offers member services; empty when blank in the file. |
| dw.ncua_branch | has_atm | boolean | True when the office has an ATM; empty when blank in the file. |
| dw.ncua_branch | drive_through | boolean | True when the office has a drive-through; empty when blank in the file. |
| dw.ncua_branch | shared_branch | boolean | True when the office belongs to a shared-branching network; empty when blank in the file. |
| dw.ncua_branch | latitude | double precision | Latitude of the office from the Census Geocoder; empty when the address did not match. |
| dw.ncua_branch | longitude | double precision | Longitude of the office from the Census Geocoder; empty when the address did not match. |
| dw.ncua_branch | tract_2020 | character(11) | Eleven-digit 2020 census tract of the office, from the Census Geocoder. |
| dw.ncua_branch | tract_method | text | census_geocoder when the Census Geocoder matched the address and gave the tract; empty otherwise. |
| dw.ncua_branch | k_source | integer | The source file record (see dw.source): that year's NCUA December call report file. |
| dw.ncua_branch | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.ncua_branch | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.ncua_branch | problematic | boolean | Known open problem on this row (see dw.data_note) |
| dw.ncua_credit_union | k_ncua_credit_union | integer | The row's ID number in the database. |
| dw.ncua_credit_union | report_year | smallint | Year of the December 31 NCUA (National Credit Union Administration) call report the row comes from. |
| dw.ncua_credit_union | charter_number | integer | NCUA charter number of the credit union. |
| dw.ncua_credit_union | rssd | text | RSSD (the Federal Reserve's institution ID) of the credit union, from the call report where filled, else from the FFIEC (Federal Financial Institutions Examination Council) NIC (National Information Center) register. |
| dw.ncua_credit_union | rssd_source | text | Where the RSSD came from: foicu (the call report itself) or nic (the Federal Reserve's NIC, National Information Center, register). |
| dw.ncua_credit_union | cu_name | text | Name of the credit union that year. |
| dw.ncua_credit_union | street | text | Street address of the credit union as NCUA lists it. |
| dw.ncua_credit_union | city | text | City of that address. |
| dw.ncua_credit_union | state | character(2) | Two-letter state of that address. |
| dw.ncua_credit_union | zip | character(5) | Five-digit ZIP code of that address; empty when blank or zero. |
| dw.ncua_credit_union | county_fips | character(5) | Five-digit county FIPS (Federal Information Processing Standards) code of the mailing address. |
| dw.ncua_credit_union | charter_state | character(2) | Two-letter state of the charter; empty when not recognised. |
| dw.ncua_credit_union | cu_type | text | Credit union type: 1 federal credit union, 2 federally insured state-chartered, 3 non-federally insured state-chartered. |
| dw.ncua_credit_union | year_opened | smallint | Year the credit union opened. |
| dw.ncua_credit_union | peer_group | smallint | NCUA's asset-size group, from 1 (smallest) to 6 (largest). |
| dw.ncua_credit_union | low_income | boolean | True when the credit union holds NCUA's low-income designation. |
| dw.ncua_credit_union | is_mdi | boolean | True when NCUA designates it a minority depository institution; no credit union is flagged before 2022. |
| dw.ncua_credit_union | assets | bigint | Total assets, in dollars. |
| dw.ncua_credit_union | shares_deposits | bigint | Total shares and deposits, in dollars (NCUA publishes no figure by office). |
| dw.ncua_credit_union | loans_leases | bigint | Total loans and leases, in dollars. |
| dw.ncua_credit_union | members | bigint | Number of current members. |
| dw.ncua_credit_union | office_count | integer | Number of offices the credit union had in that year's NCUA branch file (see dw.ncua_branch); empty before 2010, when NCUA published no branch file. |
| dw.ncua_credit_union | k_source | integer | The source file record (see dw.source): that year's NCUA December call report file. |
| dw.ncua_credit_union | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.ncua_credit_union | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.ncua_credit_union | problematic | boolean | Known open problem on this row (see dw.data_note) |
| dw.nic_attribute | k_nic_attribute | integer | The row's ID number in the database. |
| dw.nic_attribute | rssd | text | RSSD (the Federal Reserve's institution ID) of the institution or company. |
| dw.nic_attribute | dt_start | date | First day the attributes on this row held; 1900-01-01 when NIC gives none. |
| dw.nic_attribute | dt_end | date | Last day the attributes on this row held; empty when still in force. |
| dw.nic_attribute | name_legal | text | Legal name. |
| dw.nic_attribute | name_short | text | Short name. |
| dw.nic_attribute | entity_type | text | NIC entity type code, e.g. NAT national bank, SMB state member bank, NMB state non-member bank, SSB state savings bank, SAL savings and loan, FSB federal savings bank, FCU federal credit union, SCU state credit union, BHC bank holding company, FNC finance company. |
| dw.nic_attribute | charter_type_cd | smallint | NIC charter type code, e.g. 200 commercial bank, 300 savings bank, 310 savings and loan, 320 cooperative bank, 330 credit union. |
| dw.nic_attribute | street | text | Head-office street address. |
| dw.nic_attribute | city | text | Head-office city. |
| dw.nic_attribute | state | character(2) | Head-office two-letter state; empty outside the United States. |
| dw.nic_attribute | zip | text | Head-office five-digit ZIP code; empty when blank or zero. |
| dw.nic_attribute | country | text | Country name as NIC writes it, e.g. UNITED STATES. |
| dw.nic_attribute | id_fdic_cert | integer | FDIC (Federal Deposit Insurance Corporation) certificate number; empty when none. |
| dw.nic_attribute | id_ncua | integer | NCUA (National Credit Union Administration) charter number; empty when none. |
| dw.nic_attribute | id_occ | integer | OCC (Office of the Comptroller of the Currency) charter number; empty when none. |
| dw.nic_attribute | id_thrift | integer | OTS (Office of Thrift Supervision) docket number; empty when none. |
| dw.nic_attribute | id_lei | text | LEI (Legal Entity Identifier) that NIC records for the institution; empty when none. |
| dw.nic_attribute | dt_open | date | Date the institution opened. |
| dw.nic_attribute | active | boolean | True when the institution exists today; false when it is closed. |
| dw.nic_attribute | k_source | integer | The source file record (see dw.source): the NIC file the row was read from. |
| dw.nic_attribute | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.nic_attribute | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.nic_attribute | problematic | boolean | true = a known data problem is still open for this row; dw.data_note explains it. |
| dw.nic_attribute_current | k_nic_attribute | integer | ID number of the dw.nic_attribute row shown (the institution's latest). |
| dw.nic_attribute_current | rssd | text | RSSD (the Federal Reserve's institution ID) of the institution or company. |
| dw.nic_attribute_current | dt_start | date | First day the attributes on this row held; 1900-01-01 when NIC gives none. |
| dw.nic_attribute_current | dt_end | date | Last day the attributes on this row held; empty when still in force. |
| dw.nic_attribute_current | name_legal | text | Legal name. |
| dw.nic_attribute_current | name_short | text | Short name. |
| dw.nic_attribute_current | entity_type | text | NIC entity type code, e.g. NAT national bank, SMB state member bank, NMB state non-member bank, SSB state savings bank, SAL savings and loan, FSB federal savings bank, FCU federal credit union, SCU state credit union, BHC bank holding company, FNC finance company. |
| dw.nic_attribute_current | charter_type_cd | smallint | NIC charter type code, e.g. 200 commercial bank, 300 savings bank, 310 savings and loan, 320 cooperative bank, 330 credit union. |
| dw.nic_attribute_current | street | text | Head-office street address. |
| dw.nic_attribute_current | city | text | Head-office city. |
| dw.nic_attribute_current | state | character(2) | Head-office two-letter state; empty outside the United States. |
| dw.nic_attribute_current | zip | text | Head-office five-digit ZIP code; empty when blank or zero. |
| dw.nic_attribute_current | country | text | Country name as NIC writes it, e.g. UNITED STATES. |
| dw.nic_attribute_current | id_fdic_cert | integer | FDIC (Federal Deposit Insurance Corporation) certificate number; empty when none. |
| dw.nic_attribute_current | id_ncua | integer | NCUA (National Credit Union Administration) charter number; empty when none. |
| dw.nic_attribute_current | id_occ | integer | OCC (Office of the Comptroller of the Currency) charter number; empty when none. |
| dw.nic_attribute_current | id_thrift | integer | OTS (Office of Thrift Supervision) docket number; empty when none. |
| dw.nic_attribute_current | id_lei | text | LEI (Legal Entity Identifier) that NIC records for the institution; empty when none. |
| dw.nic_attribute_current | dt_open | date | Date the institution opened. |
| dw.nic_attribute_current | active | boolean | True when the institution exists today; false when it is closed. |
| dw.nic_attribute_current | k_source | integer | The source file record (see dw.source): the NIC file the row was read from. |
| dw.nic_attribute_current | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.nic_attribute_current | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.nic_attribute_current | problematic | boolean | true = a known data problem is still open for this row; dw.data_note explains it. |
| dw.nri_county | k_nri_county | integer | The row's ID number in the database. |
| dw.nri_county | nri_version | text | National Risk Index release, e.g. 1.20.0 (December 2025). |
| dw.nri_county | county_fips | character(5) | Five-digit county FIPS (Federal Information Processing Standards) code; Connecticut uses its 2022 planning regions (09110-09190), so its old county codes are absent. |
| dw.nri_county | county_name | text | County name as FEMA publishes it, without the county type, e.g. Autauga. |
| dw.nri_county | county_type | text | Kind of county or equivalent, e.g. County, Parish, Borough, Census Area, City, Municipio or Planning Region; empty for two areas. |
| dw.nri_county | state_abbr | character(2) | Two-letter state abbreviation. |
| dw.nri_county | population | bigint | Population of the area (2020 census) as FEMA (Federal Emergency Management Agency) uses it in the National Risk Index. |
| dw.nri_county | building_value | numeric | Total value of the buildings in the area, in dollars. |
| dw.nri_county | agriculture_value | numeric | Value of agriculture in the area, in dollars. |
| dw.nri_county | area_sqmi | numeric | Area in square miles. |
| dw.nri_county | risk_value | numeric | Overall risk in dollars per year: expected annual loss (eal_total) multiplied by the community risk factor (crf_value). |
| dw.nri_county | risk_score | numeric | Overall risk score, 0 to 100: the area's national percentile rank on risk_value. |
| dw.nri_county | risk_rating | text | Overall risk rating: Very High, Relatively High, Relatively Moderate, Relatively Low or Very Low; Insufficient Data or No Rating where FEMA gives none. |
| dw.nri_county | risk_state_pctl | numeric | Overall risk percentile (0 to 100) within the state. |
| dw.nri_county | eal_score | numeric | Expected annual loss score, 0 to 100: national percentile rank of expected yearly losses from all 18 natural hazards. |
| dw.nri_county | eal_rating | text | Expected annual loss rating: Very High, Relatively High, Relatively Moderate, Relatively Low or Very Low. |
| dw.nri_county | eal_state_pctl | numeric | Expected annual loss percentile (0 to 100) within the state. |
| dw.nri_county | eal_total | numeric | Expected yearly loss from all 18 hazards, in dollars per year (buildings, people valued in dollars, and agriculture). |
| dw.nri_county | eal_building | numeric | Expected yearly loss to buildings, in dollars per year. |
| dw.nri_county | eal_population | numeric | Expected deaths and injuries per year. |
| dw.nri_county | eal_population_value | numeric | Expected yearly deaths and injuries valued in dollars, using FEMA's value of a statistical life. |
| dw.nri_county | eal_agriculture | numeric | Expected yearly loss to agriculture, in dollars per year. |
| dw.nri_county | alr_building | numeric | Expected yearly loss to buildings as a fraction of building value. |
| dw.nri_county | alr_population | numeric | Expected yearly deaths and injuries as a fraction of population. |
| dw.nri_county | alr_agriculture | numeric | Expected yearly loss to agriculture as a fraction of agriculture value. |
| dw.nri_county | alr_natl_pctl | numeric | National percentile (0 to 100) of the area's overall expected loss rate. |
| dw.nri_county | sovi_score | numeric | Social vulnerability score, 0 to 100 national percentile, from the CDC (Centers for Disease Control and Prevention) Social Vulnerability Index; higher = more vulnerable. |
| dw.nri_county | sovi_rating | text | Social vulnerability rating: Very High to Very Low; Data Unavailable where FEMA gives none. |
| dw.nri_county | sovi_state_pctl | numeric | Social vulnerability percentile (0 to 100) within the state. |
| dw.nri_county | resl_score | numeric | Community resilience score, 0 to 100 national percentile; higher = more resilient. |
| dw.nri_county | resl_rating | text | Community resilience rating: Very High to Very Low; Data Unavailable where FEMA gives none. |
| dw.nri_county | resl_state_pctl | numeric | Community resilience percentile (0 to 100) within the state. |
| dw.nri_county | resl_value | numeric | Community resilience value as FEMA publishes it, the measure behind resl_score; higher = more resilient. |
| dw.nri_county | crf_value | numeric | Community risk factor: social vulnerability adjusted for community resilience, the multiplier FEMA applies to expected annual loss to get risk_value. |
| dw.nri_county | k_source | integer | The source file record (see dw.source): the FEMA National Risk Index county file. |
| dw.nri_county | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.nri_county | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.nri_county | problematic | boolean | true = a known problem is still open for this row; dw.data_note explains it |
| dw.nri_county_hazard | k_nri_county_hazard | integer | The row's ID number in the database. |
| dw.nri_county_hazard | nri_version | text | National Risk Index release, e.g. 1.20.0 (December 2025). |
| dw.nri_county_hazard | county_fips | character(5) | Five-digit county FIPS (Federal Information Processing Standards) code; Connecticut uses its 2022 planning regions (09110-09190). |
| dw.nri_county_hazard | hazard | character(4) | Four-letter hazard code, e.g. HRCN hurricane, IFLD inland flooding, WFIR wildfire (full list in the dw.nri_tract_hazard table summary). |
| dw.nri_county_hazard | hazard_name | text | Name of the hazard, e.g. Hurricane, Inland Flooding. |
| dw.nri_county_hazard | events | numeric | Number of recorded events of this hazard in FEMA's history for the area; empty where FEMA publishes no count for the hazard. |
| dw.nri_county_hazard | annual_frequency | numeric | Expected events (or event-days) of this hazard per year. |
| dw.nri_county_hazard | exposure_total | numeric | Total value exposed to this hazard, in dollars: buildings, people valued in dollars, and agriculture in the part of the area the hazard can reach. |
| dw.nri_county_hazard | eal_total | numeric | Expected yearly loss from this hazard, in dollars per year. |
| dw.nri_county_hazard | eal_building | numeric | Expected yearly loss to buildings from this hazard, in dollars per year. |
| dw.nri_county_hazard | eal_population_value | numeric | Expected yearly deaths and injuries from this hazard valued in dollars, using FEMA's value of a statistical life. |
| dw.nri_county_hazard | eal_agriculture | numeric | Expected yearly loss to agriculture from this hazard, in dollars per year; empty where FEMA publishes none. |
| dw.nri_county_hazard | eal_score | numeric | Expected annual loss score for this hazard, 0 to 100 national percentile. |
| dw.nri_county_hazard | eal_rating | text | Expected annual loss rating for this hazard: Very High to Very Low, or No Expected Annual Losses, Insufficient Data, or Not Applicable (the hazard does not occur there). |
| dw.nri_county_hazard | alr_building | numeric | Expected yearly building loss from this hazard as a fraction of building value. |
| dw.nri_county_hazard | alr_natl_pctl | numeric | National percentile (0 to 100) of this hazard's expected loss rate. |
| dw.nri_county_hazard | risk_value | numeric | Risk from this hazard in dollars per year: its expected annual loss multiplied by the community risk factor. |
| dw.nri_county_hazard | risk_score | numeric | Risk score for this hazard, 0 to 100 national percentile. |
| dw.nri_county_hazard | risk_rating | text | Risk rating for this hazard: Very High to Very Low, or No Rating, Insufficient Data, or Not Applicable (the hazard does not occur there). |
| dw.nri_county_hazard | k_source | integer | The source file record (see dw.source): the FEMA National Risk Index county file. |
| dw.nri_county_hazard | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.nri_county_hazard | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.nri_county_hazard | problematic | boolean | true = a known problem is still open for this row; dw.data_note explains it |
| dw.nri_tract | k_nri_tract | integer | The row's ID number in the database. |
| dw.nri_tract | nri_version | text | National Risk Index release, e.g. 1.20.0 (December 2025). |
| dw.nri_tract | tract_code | character(11) | Eleven-digit 2020 census tract code (state 2 + county 3 + tract 6 digits); Connecticut uses its 2022 planning-region county codes 09110-09190. |
| dw.nri_tract | county_fips | character(5) | Five-digit county FIPS (Federal Information Processing Standards) code of the tract: the first five digits of tract_code. |
| dw.nri_tract | state_abbr | character(2) | Two-letter state abbreviation. |
| dw.nri_tract | population | bigint | Population of the area (2020 census) as FEMA (Federal Emergency Management Agency) uses it in the National Risk Index. |
| dw.nri_tract | building_value | numeric | Total value of the buildings in the area, in dollars. |
| dw.nri_tract | agriculture_value | numeric | Value of agriculture in the area, in dollars. |
| dw.nri_tract | area_sqmi | numeric | Area in square miles. |
| dw.nri_tract | risk_value | numeric | Overall risk in dollars per year: expected annual loss (eal_total) multiplied by the community risk factor (crf_value). |
| dw.nri_tract | risk_score | numeric | Overall risk score, 0 to 100 national percentile, combining expected annual loss, social vulnerability and community resilience. |
| dw.nri_tract | risk_rating | text | Overall risk rating: Very High, Relatively High, Relatively Moderate, Relatively Low, Very Low, No Rating or Insufficient Data. |
| dw.nri_tract | risk_state_pctl | numeric | Overall risk percentile (0 to 100) within the state. |
| dw.nri_tract | eal_score | numeric | Expected annual loss score, 0 to 100: national percentile rank of expected yearly losses from all 18 natural hazards. |
| dw.nri_tract | eal_rating | text | Expected annual loss rating: Very High, Relatively High, Relatively Moderate, Relatively Low or Very Low. |
| dw.nri_tract | eal_state_pctl | numeric | Expected annual loss percentile (0 to 100) within the state. |
| dw.nri_tract | eal_total | numeric | Expected yearly loss from all 18 hazards, in dollars per year (buildings, people valued in dollars, and agriculture). |
| dw.nri_tract | eal_building | numeric | Expected yearly loss to buildings, in dollars per year. |
| dw.nri_tract | eal_population | numeric | Expected deaths and injuries per year. |
| dw.nri_tract | eal_population_value | numeric | Expected yearly deaths and injuries valued in dollars, using FEMA's value of a statistical life. |
| dw.nri_tract | eal_agriculture | numeric | Expected yearly loss to agriculture, in dollars per year. |
| dw.nri_tract | alr_building | numeric | Expected yearly loss to buildings as a fraction of building value. |
| dw.nri_tract | alr_population | numeric | Expected yearly deaths and injuries as a fraction of population. |
| dw.nri_tract | alr_agriculture | numeric | Expected yearly loss to agriculture as a fraction of agriculture value. |
| dw.nri_tract | alr_natl_pctl | numeric | National percentile (0 to 100) of the area's overall expected loss rate. |
| dw.nri_tract | sovi_score | numeric | Social vulnerability score, 0 to 100 national percentile, from the CDC (Centers for Disease Control and Prevention) Social Vulnerability Index; higher = more vulnerable. |
| dw.nri_tract | sovi_rating | text | Social vulnerability rating: Very High to Very Low; Data Unavailable where FEMA gives none. |
| dw.nri_tract | sovi_state_pctl | numeric | Social vulnerability percentile (0 to 100) within the state. |
| dw.nri_tract | resl_score | numeric | Community resilience score, 0 to 100 national percentile; higher = more resilient. |
| dw.nri_tract | resl_rating | text | Community resilience rating: Very High to Very Low; Data Unavailable where FEMA gives none. |
| dw.nri_tract | resl_state_pctl | numeric | Community resilience percentile (0 to 100) within the state. |
| dw.nri_tract | resl_value | numeric | Community resilience value as FEMA publishes it, the measure behind resl_score; higher = more resilient. |
| dw.nri_tract | crf_value | numeric | Community risk factor: social vulnerability adjusted for community resilience, the multiplier FEMA applies to expected annual loss to get risk_value. |
| dw.nri_tract | k_source | integer | The source file record (see dw.source): the FEMA National Risk Index census-tract file. |
| dw.nri_tract | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.nri_tract | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.nri_tract | problematic | boolean | true = a known problem is still open for this row; dw.data_note explains it |
| dw.nri_tract_hazard | k_nri_tract_hazard | integer | The row's ID number in the database. |
| dw.nri_tract_hazard | nri_version | text | National Risk Index release, e.g. 1.20.0 (December 2025). |
| dw.nri_tract_hazard | tract_code | character(11) | Eleven-digit 2020 census tract code; Connecticut uses its 2022 planning-region county codes 09110-09190. |
| dw.nri_tract_hazard | hazard | character(4) | Four-letter hazard code; the table summary lists them. |
| dw.nri_tract_hazard | hazard_name | text | Name of the hazard, e.g. Hurricane, Inland Flooding. |
| dw.nri_tract_hazard | events | numeric | Number of recorded events of this hazard in FEMA's history for the area; empty where FEMA publishes no count for the hazard. |
| dw.nri_tract_hazard | annual_frequency | numeric | Expected events (or event-days) of this hazard per year. |
| dw.nri_tract_hazard | exposure_total | numeric | Total value exposed to this hazard, in dollars: buildings, people valued in dollars, and agriculture in the part of the area the hazard can reach. |
| dw.nri_tract_hazard | eal_total | numeric | Expected yearly loss from this hazard, in dollars per year. |
| dw.nri_tract_hazard | eal_building | numeric | Expected yearly loss to buildings from this hazard, in dollars per year. |
| dw.nri_tract_hazard | eal_population_value | numeric | Expected yearly deaths and injuries from this hazard valued in dollars, using FEMA's value of a statistical life. |
| dw.nri_tract_hazard | eal_agriculture | numeric | Expected yearly loss to agriculture from this hazard, in dollars per year; empty where FEMA publishes none. |
| dw.nri_tract_hazard | eal_score | numeric | Expected annual loss score for this hazard, 0 to 100 national percentile. |
| dw.nri_tract_hazard | eal_rating | text | Expected annual loss rating for this hazard: Very High to Very Low, or No Expected Annual Losses, Insufficient Data, or Not Applicable (the hazard does not occur there). |
| dw.nri_tract_hazard | alr_building | numeric | Expected yearly building loss from this hazard as a fraction of building value. |
| dw.nri_tract_hazard | alr_natl_pctl | numeric | National percentile (0 to 100) of this hazard's expected loss rate. |
| dw.nri_tract_hazard | risk_value | numeric | Risk from this hazard in dollars per year: its expected annual loss multiplied by the community risk factor. |
| dw.nri_tract_hazard | risk_score | numeric | Risk score for this hazard, 0 to 100 national percentile. |
| dw.nri_tract_hazard | risk_rating | text | Risk rating for this hazard: Very High to Very Low, or No Rating, Insufficient Data, or Not Applicable (the hazard does not occur there). |
| dw.nri_tract_hazard | k_source | integer | The source file record (see dw.source): the FEMA National Risk Index census-tract file. |
| dw.nri_tract_hazard | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.nri_tract_hazard | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.nri_tract_hazard | problematic | boolean | true = a known problem is still open for this row; dw.data_note explains it |
| dw.oz_tract | k_oz_tract | integer | The row's ID number in the database. |
| dw.oz_tract | census_vintage | smallint | Census whose tracts the designations use: 2010 on every row. |
| dw.oz_tract | tract_code | character(11) | Eleven-digit 2010 census tract code as the Treasury list gives it. |
| dw.oz_tract | state_name | text | State name as the Treasury list prints it. |
| dw.oz_tract | county_name | text | County name as the Treasury list prints it. |
| dw.oz_tract | tract_type | text | How the tract qualified: Low-Income Community (the legal test) or Non-LIC Contiguous (an adjoining tract, allowed up to 5% of a state's zones). |
| dw.oz_tract | acs_period | text | The ACS (American Community Survey) five-year period whose data qualified the tract: 2011-2015 or 2012-2016. |
| dw.oz_tract | k_source | integer | The source file record (see dw.source): the Treasury CDFI Fund list of 14 December 2018. |
| dw.oz_tract | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.oz_tract | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.oz_tract | problematic | boolean | true = a known problem is still open for this row; dw.data_note explains it |
| dw.oz_tract | tract_code_2010 | character(11) | The tract as coded in the Census 2010 files; equal to tract_code except one Bedford, Virginia tract, listed by Treasury under the county code adopted in 2013 (Census 2010 has it as 51515050100). |
| dw.oz_tract_2020 | tract_code_2020 | character(11) | Eleven-digit 2020 census tract code; only tracts that overlap an Opportunity Zone appear. |
| dw.oz_tract_2020 | oz_land_share | numeric | Share (0 to 1) of the tract's land lying in designated 2010 Opportunity Zone tracts, measured by land area through the [tract crosswalk](#term:crosswalkTracts). |
| dw.oz_tract_2020 | any_oz_overlap | boolean | True when some part of the tract lies in an Opportunity Zone; true on every row here. |
| dw.oz_tract_2020 | is_opportunity_zone | boolean | True when at least half of the tract's land lies in Opportunity Zones. The legal test always uses the 2010 tract. |
| dw.oz_tract_2020 | oz_tracts_2010 | text | The designated 2010 tracts that overlap this tract, separated by commas. |
| dw.pce_price | k_pce_price | integer | The row's ID number in the database. |
| dw.pce_price | series | text | Which index: pce (all items) or pce_core (excluding food and energy). |
| dw.pce_price | bea_series_code | text | The BEA (Bureau of Economic Analysis) series code: DPCERG for pce, DPCCRG for pce_core. |
| dw.pce_price | year | smallint | Calendar year of the value (yearly from 1929, monthly from 1959). |
| dw.pce_price | period | character(3) | A for the full year, or M01 to M12 for a month. |
| dw.pce_price | value | numeric(9,3) | Index level, 2017 = 100, as published. |
| dw.pce_price | k_source | integer | The source file record (see dw.source): the BEA national accounts file. |
| dw.pce_price | problematic | boolean | true = a known data problem is still open for this row; dw.data_note explains it. |
| dw.pce_price | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.pce_price | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.period | k_period | integer | The year's ID number in the database; fact tables are stored in one piece per year by it, and year gives the calendar year. |
| dw.period | year | smallint | Calendar year of the HMDA activity (the filing covers applications acted on in this year). |
| dw.period | start_dt | date | First day of the year (1 January). |
| dw.period | mid_dt | date | Mid-year date, for plotting time series. |
| dw.period | end_dt | date | Last day of the year (31 December). |
| dw.period | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.period | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.period | problematic | boolean | true = a known problem is still open for this row; dw.data_note explains it |
| dw.places_tract | k_places_tract | integer | The row's ID number in the database. |
| dw.places_tract | places_release | smallint | PLACES release year: 2025. |
| dw.places_tract | tract_code | character(11) | Eleven-digit 2020 census tract code as PLACES publishes it. |
| dw.places_tract | county_fips | character(5) | Five-digit county FIPS (Federal Information Processing Standards) code as PLACES publishes it. |
| dw.places_tract | state_abbr | character(2) | Two-letter state abbreviation. |
| dw.places_tract | total_population | integer | Total population, 2020 census. |
| dw.places_tract | population_18plus | integer | Population aged 18 and over, 2020 census. |
| dw.places_tract | pct_no_health_insurance | numeric | Percent of adults aged 18-64 without health insurance (model estimate). |
| dw.places_tract | pct_obesity | numeric | Percent of adults with obesity (model estimate). |
| dw.places_tract | pct_diabetes | numeric | Percent of adults with diagnosed diabetes (model estimate). |
| dw.places_tract | pct_high_blood_pressure | numeric | Percent of adults with high blood pressure (model estimate). |
| dw.places_tract | pct_current_smoking | numeric | Percent of adults who currently smoke cigarettes (model estimate). |
| dw.places_tract | pct_depression | numeric | Percent of adults with depression (model estimate). |
| dw.places_tract | pct_frequent_mental_distress | numeric | Percent of adults whose mental health was not good on 14 or more days of the past 30 (model estimate). |
| dw.places_tract | pct_poor_general_health | numeric | Percent of adults rating their health fair or poor (model estimate). |
| dw.places_tract | pct_any_disability | numeric | Percent of adults with any disability (model estimate). |
| dw.places_tract | pct_routine_checkup | numeric | Percent of adults with a routine checkup in the past year (model estimate). |
| dw.places_tract | pct_loneliness | numeric | Percent of adults reporting loneliness (model estimate). |
| dw.places_tract | pct_food_insecurity | numeric | Percent of adults with food insecurity in the past 12 months (model estimate). |
| dw.places_tract | pct_housing_insecurity | numeric | Percent of adults with housing insecurity in the past 12 months (model estimate). |
| dw.places_tract | pct_utility_shutoff_threat | numeric | Percent of adults threatened with a utility shut-off in the past 12 months (model estimate). |
| dw.places_tract | pct_lack_transportation | numeric | Percent of adults lacking reliable transportation in the past 12 months (model estimate). |
| dw.places_tract | pct_received_snap | numeric | Percent of adults who received food stamps (SNAP, the Supplemental Nutrition Assistance Program) in the past 12 months (model estimate). |
| dw.places_tract | k_source | integer | The source file record (see dw.source): the CDC PLACES census-tract file. |
| dw.places_tract | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.places_tract | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.places_tract | problematic | boolean | true = a known problem is still open for this row; dw.data_note explains it |
| dw.places_zcta | k_places_zcta | integer | The row's ID number in the database. |
| dw.places_zcta | places_release | smallint | PLACES release year: 2025. |
| dw.places_zcta | zcta | character(5) | Five-digit ZCTA (ZIP Code Tabulation Area): the Census Bureau's area approximating a ZIP code. |
| dw.places_zcta | total_population | integer | Total population, 2020 census. |
| dw.places_zcta | population_18plus | integer | Population aged 18 and over, 2020 census. |
| dw.places_zcta | pct_no_health_insurance | numeric | Percent of adults aged 18-64 without health insurance (model estimate). |
| dw.places_zcta | pct_obesity | numeric | Percent of adults with obesity (model estimate). |
| dw.places_zcta | pct_diabetes | numeric | Percent of adults with diagnosed diabetes (model estimate). |
| dw.places_zcta | pct_high_blood_pressure | numeric | Percent of adults with high blood pressure (model estimate). |
| dw.places_zcta | pct_current_smoking | numeric | Percent of adults who currently smoke cigarettes (model estimate). |
| dw.places_zcta | pct_depression | numeric | Percent of adults with depression (model estimate). |
| dw.places_zcta | pct_frequent_mental_distress | numeric | Percent of adults whose mental health was not good on 14 or more days of the past 30 (model estimate). |
| dw.places_zcta | pct_poor_general_health | numeric | Percent of adults rating their health fair or poor (model estimate). |
| dw.places_zcta | pct_any_disability | numeric | Percent of adults with any disability (model estimate). |
| dw.places_zcta | pct_routine_checkup | numeric | Percent of adults with a routine checkup in the past year (model estimate). |
| dw.places_zcta | pct_loneliness | numeric | Percent of adults reporting loneliness (model estimate). |
| dw.places_zcta | pct_food_insecurity | numeric | Percent of adults with food insecurity in the past 12 months (model estimate). |
| dw.places_zcta | pct_housing_insecurity | numeric | Percent of adults with housing insecurity in the past 12 months (model estimate). |
| dw.places_zcta | pct_utility_shutoff_threat | numeric | Percent of adults threatened with a utility shut-off in the past 12 months (model estimate). |
| dw.places_zcta | pct_lack_transportation | numeric | Percent of adults lacking reliable transportation in the past 12 months (model estimate). |
| dw.places_zcta | pct_received_snap | numeric | Percent of adults who received food stamps (SNAP, the Supplemental Nutrition Assistance Program) in the past 12 months (model estimate). |
| dw.places_zcta | k_source | integer | The source file record (see dw.source): the CDC PLACES ZIP-code-area file. |
| dw.places_zcta | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.places_zcta | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.places_zcta | problematic | boolean | true = a known problem is still open for this row; dw.data_note explains it |
| dw.published_total | k_published_total | integer | The row's ID number in the database. |
| dw.published_total | year | smallint | HMDA activity year the figure is for. |
| dw.published_total | filter_level | text | Which records the figure counts, e.g. all_records, originated, first_lien_owner_occupied_1to4_originated or apps_plus_purchased (each defined in words in dw.published_total_ours). |
| dw.published_total | metric | text | What is counted: lar_records (records in the LAR, the Loan/Application Register of HMDA applications and loans, that pass filter_level) or reporters (institutions that reported). |
| dw.published_total | value | bigint | The figure as published, in units (5.5 million is stored as 5500000); rounded_to says how precise it is. |
| dw.published_total | rounded_to | bigint | How precise the published figure is: 1 exact, 1000 published in thousands, 100000 published in millions to one decimal. |
| dw.published_total | publisher | text | Who published the figure: CFPB (Consumer Financial Protection Bureau), FFIEC (Federal Financial Institutions Examination Council) or the Federal Reserve Board. |
| dw.published_total | dataset_edition | text | Which edition of the HMDA data the publisher counted (snapshot, one_year, three_year, all_records), or as_published for the release of the time. |
| dw.published_total | source_url | text | Web address of the published source (the citation). |
| dw.published_total | source_document | text | File name of the saved copy of the source document. |
| dw.published_total | source_locator | text | Where in the document the figure is: table, row, column or page. |
| dw.published_total | retrieved_dt | date | Date the source document was retrieved. |
| dw.published_total | note | text | How the figure was read or derived from the document, when that needs saying (e.g. the sum of eight published counts). |
| dw.published_total | explained_by_note | text | Title of the data note (dw.data_note) explaining a difference from our count beyond tolerance, if any. |
| dw.published_total | k_source | integer | Not used; always empty. |
| dw.published_total | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.published_total | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.published_total | problematic | boolean | true = a known data problem is still open for this row; dw.data_note explains it. |
| dw.published_total_compare | k_published_total | integer | The published figure this row compares (see dw.published_total). |
| dw.published_total_compare | year | smallint | HMDA activity year the figure is for. |
| dw.published_total_compare | filter_level | text | Which records the figure counts, e.g. all_records, originated, first_lien_owner_occupied_1to4_originated or apps_plus_purchased (each defined in words in dw.published_total_ours). |
| dw.published_total_compare | metric | text | What is counted: lar_records (records in the LAR, the Loan/Application Register of HMDA applications and loans, that pass filter_level) or reporters (institutions that reported). |
| dw.published_total_compare | publisher | text | Who published the figure: CFPB (Consumer Financial Protection Bureau), FFIEC (Federal Financial Institutions Examination Council) or the Federal Reserve Board. |
| dw.published_total_compare | dataset_edition | text | Which edition of the HMDA data the publisher counted: snapshot, one_year, three_year or all_records, or a label for the Federal Reserve or FFIEC release it counted (e.g. frb_revised, frb_initial, initial_release). |
| dw.published_total_compare | our_edition | text | Edition of the year's HMDA files the warehouse loaded (several joined with +). |
| dw.published_total_compare | same_edition | boolean | True when the publisher counted the same edition the warehouse loaded, so the figures should agree within rounding; false when editions differ and small differences are expected; empty when either is unknown. |
| dw.published_total_compare | published | bigint | The published figure, in units. |
| dw.published_total_compare | rounded_to | bigint | How precise the published figure is: 1 exact, 1000 published in thousands, 100000 published in millions to one decimal. |
| dw.published_total_compare | ours | bigint | The warehouse's own count for the same year, filter and measure; empty when not derived. |
| dw.published_total_compare | diff | bigint | Our count minus the published figure. |
| dw.published_total_compare | diff_pct | numeric | The difference as a percent of the published figure; empty when the published figure is 0. |
| dw.published_total_compare | explained_by_note | text | Title of the data note (dw.data_note) explaining a difference from our count beyond tolerance, if any. |
| dw.published_total_compare | k_data_note | integer | The data note (see dw.data_note) that explains the difference; empty when there is none. |
| dw.published_total_compare | source_url | text | Web address of the published source (the citation). |
| dw.published_total_compare | source_document | text | File name of the saved copy of the source document. |
| dw.published_total_compare | source_locator | text | Where in the document the figure is: table, row, column or page. |
| dw.published_total_compare | note | text | How the figure was read or derived from the document, when that needs saying (e.g. the sum of eight published counts). |
| dw.published_total_lar_count | k_published_total_lar_count | integer | The row's ID number in the database. |
| dw.published_total_lar_count | year | smallint | HMDA activity year counted. |
| dw.published_total_lar_count | k_period | integer | Year of the data (see dw.period). |
| dw.published_total_lar_count | k_action | integer | What happened to the application, e.g. originated, denied or purchased (see dw.action). |
| dw.published_total_lar_count | k_loan_profile | integer | The combination of loan codes: type, purpose, lien, occupancy, property and so on (see dw.loan_profile). |
| dw.published_total_lar_count | n | bigint | Number of application records with this year, action and loan profile. |
| dw.published_total_lar_count | counted_dt | timestamp with time zone | When the year was counted. |
| dw.published_total_lar_count | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.published_total_lar_count | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.published_total_lar_count | problematic | boolean | true = a known data problem is still open for this row; dw.data_note explains it. |
| dw.published_total_lar_year | k_published_total_lar_year | integer | The row's ID number in the database. |
| dw.published_total_lar_year | year | smallint | HMDA activity year counted. |
| dw.published_total_lar_year | k_period | integer | Year of the data (see dw.period). |
| dw.published_total_lar_year | records | bigint | Application records (dw.lar) for the year when counted. |
| dw.published_total_lar_year | lenders_in_lar | integer | Distinct lenders with at least one record that year, not counting the placeholder lender LEI:UNKNOWN (LEI, Legal Entity Identifier) that holds records with no lender ID. |
| dw.published_total_lar_year | unknown_lender_records | bigint | Records for the year under the placeholder lender LEI:UNKNOWN (LEI, Legal Entity Identifier), used for records with no lender ID (21 in 2019); 0 in most years. |
| dw.published_total_lar_year | source_rows_loaded | bigint | Total rows loaded from the year's HMDA files when counted; a different total now means the year was reloaded and must be recounted. |
| dw.published_total_lar_year | counted_dt | timestamp with time zone | When the year was counted. |
| dw.published_total_lar_year | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.published_total_lar_year | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.published_total_lar_year | problematic | boolean | true = a known data problem is still open for this row; dw.data_note explains it. |
| dw.published_total_ours | k_published_total_ours | integer | The row's ID number in the database. |
| dw.published_total_ours | year | smallint | HMDA activity year the figure is for. |
| dw.published_total_ours | filter_level | text | Which records the figure counts, as in dw.published_total; definition says how it is applied. |
| dw.published_total_ours | metric | text | What is counted: lar_records (records in the LAR, the Loan/Application Register of HMDA applications and loans, that pass filter_level) or reporters (institutions that reported). |
| dw.published_total_ours | value | bigint | The warehouse's count. |
| dw.published_total_ours | our_edition | text | Edition of the year's HMDA files the warehouse loaded (several joined with +). |
| dw.published_total_ours | definition | text | The filter as applied to the warehouse's data, in words (e.g. every lar row). |
| dw.published_total_ours | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.published_total_ours | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.published_total_ours | problematic | boolean | true = a known data problem is still open for this row; dw.data_note explains it. |
| dw.refresh_run | k_refresh_run | integer | The row's ID number in the database. |
| dw.refresh_run | module | text | The outside data source updated, e.g. gleif, va or xwalk_fha_va. |
| dw.refresh_run | started_at | timestamp with time zone | When the update started. |
| dw.refresh_run | finished_at | timestamp with time zone | When the update ended; empty while it is running. |
| dw.refresh_run | status | text | Outcome: running, ok, attention (ran, but found a new release that needs a person), failed or timeout. |
| dw.refresh_run | exit_code | integer | The update's result code: 0 ok, 3 needs attention, anything else failed; empty on a timeout or when it could not start. |
| dw.refresh_run | command | text | The instruction that was run for the update. |
| dw.refresh_run | log_file | text | The update's log file. |
| dw.refresh_run | host | text | Name of the computer the update ran on. |
| dw.refresh_run | note | text | Free-text remark on the update, added by a person. |
| dw.refresh_run | problematic | boolean | true = a known data problem is still open for this row; dw.data_note explains it. |
| dw.refresh_run | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.refresh_run | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.registered_agent_address | k_registered_agent_address | integer | The row's ID number in the database. |
| dw.registered_agent_address | street_key | text | Match key: house number and first street word in upper case, skipping a leading N, S, E or W, so variants such as '251 LITTLE FALLS DR STE 100' and '251 LITTLE FALLS DRIVE' both match '251 LITTLE'. |
| dw.registered_agent_address | zip | character(5) | Five-digit ZIP code; matched together with street_key. |
| dw.registered_agent_address | street | text | The address as usually written. |
| dw.registered_agent_address | city | text | City. |
| dw.registered_agent_address | state | character(2) | Two-letter state. |
| dw.registered_agent_address | agent_name | text | The registered agent at the address, e.g. Corporation Service Company or CT Corporation System; empty when the agent's name was not confirmed. |
| dw.registered_agent_address | is_agent | boolean | True for a registered agent's office, never taken as a lender's head office; false for a reviewed, genuine office shared by several related lenders. |
| dw.registered_agent_address | basis | text | How the address was listed: known (a well-known agent at the address it gives in state business registries) or data (several unrelated lenders give it as their address, then checked by hand). |
| dw.registered_agent_address | evidence | text | What showed it, in words, e.g. how many HMDA (Home Mortgage Disclosure Act) lenders give it as their GLEIF legal address. |
| dw.registered_agent_address | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.registered_agent_address | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.registered_agent_address | problematic | boolean | true = a known data problem is still open for this row; dw.data_note explains it. |
| dw.ruca_tract | k_ruca_tract | integer | The row's ID number in the database. |
| dw.ruca_tract | ruca_vintage | smallint | Census the codes are built on (2020). |
| dw.ruca_tract | tract_code | character(11) | Eleven-digit 2020 census tract code (state, county, tract) as the warehouse uses it. |
| dw.ruca_tract | tract_code_2023 | character(11) | The same tract under 2023 county codes; differs only in Connecticut, whose planning regions replaced its eight counties in 2022. Empty for four Connecticut water tracts. |
| dw.ruca_tract | county_fips | character(5) | Five-digit county FIPS (Federal Information Processing Standards) code of the tract under 2020 codes (Connecticut's eight old counties). |
| dw.ruca_tract | county_fips_2023 | character(5) | Five-digit county code under 2023 codes (in Connecticut, the planning region). |
| dw.ruca_tract | primary_ruca | smallint | Primary RUCA (Rural-Urban Commuting Area) code, 1 (metropolitan core) to 10 (rural); 99 = no population (water). |
| dw.ruca_tract | primary_ruca_desc | text | Description of the primary code, e.g. Metropolitan core or Rural area. |
| dw.ruca_tract | secondary_ruca | numeric(4,1) | Secondary RUCA code: the primary code refined by the second-largest commuting flow (e.g. 1.1, 4.1, 10.2). |
| dw.ruca_tract | secondary_ruca_desc | text | Description of the secondary code. |
| dw.ruca_tract | urban_area_code | text | Census code of the 2020 urban area the tract belongs to, for tracts in a metro, micro or small-town core; empty for rural and most water tracts. |
| dw.ruca_tract | urban_area_name | text | Name of that urban area, e.g. Montgomery, AL; empty when there is none. |
| dw.ruca_tract | urban_core_type | text | Metro core, Micro core, Small town core, Rural or Water. |
| dw.ruca_tract | population | integer | Tract population, 2020 census. |
| dw.ruca_tract | land_sq_mi | numeric | Land area in square miles. |
| dw.ruca_tract | pop_density | numeric | People per square mile of land. |
| dw.ruca_tract | is_rural | boolean | True for primary codes 4 to 10: outside metropolitan cores and their commuting areas (the usual nonmetro grouping). Water tracts (99) are false. |
| dw.ruca_tract | k_source | integer | The source file record (see dw.source): the 2020 RUCA census tract file. |
| dw.ruca_tract | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.ruca_tract | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.ruca_tract | problematic | boolean | true = a known problem is still open for this row; dw.data_note explains it |
| dw.ruca_zip | k_ruca_zip | integer | The row's ID number in the database. |
| dw.ruca_zip | ruca_vintage | smallint | Census the codes are built on (2020). |
| dw.ruca_zip | zip_code | character(5) | Five-digit ZIP code with leading zeros. |
| dw.ruca_zip | state_abbr | character(2) | Two-letter state of the ZIP code. |
| dw.ruca_zip | zip_type | text | ZIP Code Area, or Post Office or large volume customer (a single-point ZIP given the code of the area it sits in). |
| dw.ruca_zip | po_name | text | Post office name of the ZIP code. |
| dw.ruca_zip | primary_ruca | smallint | Primary RUCA (Rural-Urban Commuting Area) code, 1 (metropolitan core) to 10 (rural). |
| dw.ruca_zip | secondary_ruca | numeric(4,1) | Secondary RUCA code: the primary code refined by the second-largest commuting flow (e.g. 1.1, 4.1, 10.2). |
| dw.ruca_zip | is_rural | boolean | True for primary codes 4 to 10. |
| dw.ruca_zip | k_source | integer | The source file record (see dw.source): the 2020 RUCA ZIP code file. |
| dw.ruca_zip | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.ruca_zip | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.ruca_zip | problematic | boolean | true = a known problem is still open for this row; dw.data_note explains it |
| dw.rucc_county | k_rucc_county | integer | The row's ID number in the database. |
| dw.rucc_county | rucc_vintage | smallint | Edition of the codes: 2023 (2020 census, Connecticut planning regions) or 2013 (2010 census, Connecticut's eight old counties). |
| dw.rucc_county | county_fips | character(5) | Five-digit county FIPS (Federal Information Processing Standards) code as the edition codes it. |
| dw.rucc_county | state_abbr | character(2) | Two-letter state. |
| dw.rucc_county | county_name | text | County name as the USDA publishes it. |
| dw.rucc_county | population | integer | Census population the codes rest on (2020 for the 2023 codes, 2010 for 2013). |
| dw.rucc_county | rucc | smallint | Rural-Urban Continuum Code: 1-3 metro, by metro size; 4-9 nonmetro, by urban population and adjacency to a metro. |
| dw.rucc_county | rucc_desc | text | Description of the code, e.g. Metro - Counties in metro areas of 250,000 to 1 million population. |
| dw.rucc_county | is_metro | boolean | True for codes 1 to 3 (metro counties). |
| dw.rucc_county | k_source | integer | The source file record (see dw.source): the USDA file of that edition. |
| dw.rucc_county | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.rucc_county | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.rucc_county | problematic | boolean | true = a known problem is still open for this row; dw.data_note explains it |
| dw.sec_company | k_sec_company | integer | The row's ID number in the database. |
| dw.sec_company | cik | integer | SEC (Securities and Exchange Commission) Central Index Key: the number the SEC gives each registrant. |
| dw.sec_company | name | text | Registrant name as the SEC gives it now. |
| dw.sec_company | name_norm | text | Name cleaned up for matching: upper case, & as AND, punctuation and legal-form words (INC, LLC, CORP, CO, NA, THE and so on) removed. |
| dw.sec_company | former_names | jsonb | Earlier names with their dates, as a JSON list; empty list when none. |
| dw.sec_company | entity_type | text | SEC entity type, e.g. operating, other or investment. |
| dw.sec_company | sic | text | SIC (Standard Industrial Classification) industry code the SEC assigns; empty when none. |
| dw.sec_company | sic_description | text | The SEC's description of the industry code. |
| dw.sec_company | ein | text | Employer Identification Number (federal tax ID), nine digits; empty when none. |
| dw.sec_company | lei | text | LEI (Legal Entity Identifier) when the SEC gives one (rare). |
| dw.sec_company | tickers | text[] | Stock ticker symbols listed for the registrant; empty when none. |
| dw.sec_company | state_of_incorporation | text | Where the company is incorporated (often DE); never used as a head office. |
| dw.sec_company | business_street | text | Business address street, upper case. |
| dw.sec_company | business_city | text | Business address city, upper case. |
| dw.sec_company | business_state | character(2) | Two-letter state of the business address the registrant gives the SEC, when in the United States. |
| dw.sec_company | business_zip | character(5) | Business address five-digit ZIP code. |
| dw.sec_company | mailing_street | text | Mailing address street, upper case. |
| dw.sec_company | mailing_city | text | Mailing address city, upper case. |
| dw.sec_company | mailing_state | character(2) | Two-letter state of the mailing address; empty for a foreign address. |
| dw.sec_company | mailing_zip | character(5) | Mailing address five-digit ZIP code. |
| dw.sec_company | as_of | date | Date of the SEC data file the row was read from. |
| dw.sec_company | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.sec_company | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.sec_company | problematic | boolean | true = a known data problem is still open for this row; dw.data_note explains it. |
| dw.sec_company_lender | k_sec_company_lender | integer | The row's ID number in the database. |
| dw.sec_company_lender | cik | integer | SEC Central Index Key of the registrant (see dw.sec_company). |
| dw.sec_company_lender | k_lender | integer | The HMDA lender that is itself this SEC registrant (see dw.lender). |
| dw.sec_company_lender | match_method | text | How the lender was matched: lei (the SEC's LEI, Legal Entity Identifier, is one the lender filed under); name+state (exact cleaned-up name, current or former, equals the lender's GLEIF (Global Legal Entity Identifier Foundation) legal name or latest HMDA name, and the SEC business state equals the lender's HMDA address state); name+parent (same name match, and the lender's parent is itself an SEC registrant). |
| dw.sec_company_lender | evidence | text | What matched, in words: the LEI, or the two names with the state or the parent's name. |
| dw.sec_company_lender | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.sec_company_lender | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.sec_company_lender | problematic | boolean | true = a known data problem is still open for this row; dw.data_note explains it. |
| dw.source | k_source | integer | The row's ID number in the database. |
| dw.source | publisher | text | Who published the file, e.g. FFIEC (Federal Financial Institutions Examination Council, 2018 on), CFPB (Consumer Financial Protection Bureau, 2007-2017), NARA (National Archives, 1990-2006), FFIEC NIC (National Information Center, for mergers) or Jenner (ZIP codes). |
| dw.source | edition | text | Edition of the file: three_year or snapshot (FFIEC), all_records (CFPB), ultimate (National Archives), [crosswalk](#term:crosswalkLenderIds) or reference. |
| dw.source | file_kind | text | What the file holds, e.g. lar (application records), ts (transmittal sheets, one row per filer), panel (reporter panel), xref (an ID [crosswalk](#term:crosswalkLenderIds) linking one ID to another), zipcode, or census, call report, FHA (Federal Housing Administration), VA (Veterans Affairs) and other outside data. |
| dw.source | k_period | integer | Year the file covers (see dw.period); empty for files not tied to one year. |
| dw.source | file_name | text | The file's name and folder within the warehouse's data folder. |
| dw.source | file_bytes | bigint | Size of the file in bytes when loaded. |
| dw.source | file_mtime | timestamp with time zone | When the file was last modified, as of loading. |
| dw.source | rows_read | bigint | Data rows read from the file. |
| dw.source | rows_loaded | bigint | Rows that reached the warehouse; equal to rows_read for every HMDA application file. |
| dw.source | load_status | text | running (in progress, or stopped without finishing), done, failed, or superseded (a better edition of the same year was loaded instead). |
| dw.source | loaded_dt | timestamp with time zone | When the load of this file finished or failed. |
| dw.source | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.source | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.source | problematic | boolean | true = a known problem is still open for this row; dw.data_note explains it |
| dw.svi_county | k_svi_county | integer | The row's ID number in the database. |
| dw.svi_county | svi_year | smallint | Social Vulnerability Index edition: 2022, built from ACS (American Community Survey) 2018-2022 five-year estimates. |
| dw.svi_county | county_fips | character(5) | Five-digit county FIPS (Federal Information Processing Standards) code; Connecticut on its 2022 planning-region codes (09110-09190). |
| dw.svi_county | state_abbr | character(2) | Two-letter state abbreviation. |
| dw.svi_county | location | text | The CDC's description of the area, e.g. Autauga County, Alabama. |
| dw.svi_county | area_sqmi | numeric | Area in square miles. |
| dw.svi_county | total_population | integer | Population, ACS (American Community Survey) 2018-2022 estimate. |
| dw.svi_county | housing_units | integer | Housing units, ACS 2018-2022 estimate. |
| dw.svi_county | households | integer | Households, ACS 2018-2022 estimate. |
| dw.svi_county | rpl_socioeconomic | numeric | Socioeconomic status theme: national percentile rank, 0 to 1; higher = more vulnerable. |
| dw.svi_county | rpl_household | numeric | Household characteristics theme: national percentile rank, 0 to 1; higher = more vulnerable. |
| dw.svi_county | rpl_minority | numeric | Racial and ethnic minority status theme: national percentile rank, 0 to 1. |
| dw.svi_county | rpl_housing_transport | numeric | Housing type and transportation theme: national percentile rank, 0 to 1; higher = more vulnerable. |
| dw.svi_county | rpl_overall | numeric | Overall Social Vulnerability Index: national percentile rank, 0 to 1 (higher = more vulnerable); empty where the CDC did not compute it. |
| dw.svi_county | flag_count | smallint | How many of the 16 indicators are at or above the 90th percentile. |
| dw.svi_county | pct_below_150_poverty | numeric | Percent of people with income below 150% of the federal poverty level. |
| dw.svi_county | pct_unemployed | numeric | Unemployment rate, percent. |
| dw.svi_county | pct_housing_cost_burden | numeric | Percent of households with income under $75,000 that spend 30% or more of income on housing. |
| dw.svi_county | pct_no_high_school | numeric | Percent of people aged 25 and over without a high school diploma. |
| dw.svi_county | pct_uninsured | numeric | Percent of people without health insurance (civilian, not in institutions). |
| dw.svi_county | pct_age65_plus | numeric | Percent of people aged 65 and over. |
| dw.svi_county | pct_age17_under | numeric | Percent of people aged 17 and under. |
| dw.svi_county | pct_disability | numeric | Percent of people with a disability (civilian, not in institutions). |
| dw.svi_county | pct_single_parent | numeric | Percent of households that are single-parent households with children under 18. |
| dw.svi_county | pct_limited_english | numeric | Percent of people aged 5 and over who speak English less than well. |
| dw.svi_county | pct_minority | numeric | Percent of people in a racial or ethnic minority (everyone except non-Hispanic White). |
| dw.svi_county | pct_multi_unit | numeric | Percent of housing units in buildings with 10 or more units. |
| dw.svi_county | pct_mobile_homes | numeric | Percent of housing units that are mobile homes. |
| dw.svi_county | pct_crowding | numeric | Percent of occupied housing units with more people than rooms. |
| dw.svi_county | pct_no_vehicle | numeric | Percent of households with no vehicle. |
| dw.svi_county | pct_group_quarters | numeric | Percent of people living in group quarters, such as dormitories, prisons or nursing homes. |
| dw.svi_county | pct_no_internet | numeric | Percent of households without a broadband internet subscription (shown for reference; not part of the index). |
| dw.svi_county | k_source | integer | The source file record (see dw.source): the CDC Social Vulnerability Index county file. |
| dw.svi_county | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.svi_county | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.svi_county | problematic | boolean | true = a known problem is still open for this row; dw.data_note explains it |
| dw.svi_tract | k_svi_tract | integer | The row's ID number in the database. |
| dw.svi_tract | svi_year | smallint | Social Vulnerability Index edition: 2022, built from ACS (American Community Survey) 2018-2022 five-year estimates. |
| dw.svi_tract | tract_code | character(11) | Eleven-digit 2020 census tract code; Connecticut on its 2022 planning-region county codes. |
| dw.svi_tract | county_fips | character(5) | Five-digit county FIPS (Federal Information Processing Standards) code: the first five digits of tract_code. |
| dw.svi_tract | state_abbr | character(2) | Two-letter state abbreviation. |
| dw.svi_tract | location | text | The CDC's description of the area, e.g. Autauga County, Alabama. |
| dw.svi_tract | area_sqmi | numeric | Area in square miles. |
| dw.svi_tract | total_population | integer | Population, ACS (American Community Survey) 2018-2022 estimate. |
| dw.svi_tract | housing_units | integer | Housing units, ACS 2018-2022 estimate. |
| dw.svi_tract | households | integer | Households, ACS 2018-2022 estimate. |
| dw.svi_tract | rpl_socioeconomic | numeric | Socioeconomic status theme: national percentile rank, 0 to 1; higher = more vulnerable. |
| dw.svi_tract | rpl_household | numeric | Household characteristics theme: national percentile rank, 0 to 1; higher = more vulnerable. |
| dw.svi_tract | rpl_minority | numeric | Racial and ethnic minority status theme: national percentile rank, 0 to 1. |
| dw.svi_tract | rpl_housing_transport | numeric | Housing type and transportation theme: national percentile rank, 0 to 1; higher = more vulnerable. |
| dw.svi_tract | rpl_overall | numeric | Overall Social Vulnerability Index: national percentile rank, 0 to 1 (higher = more vulnerable); empty for tracts with no population. |
| dw.svi_tract | flag_count | smallint | How many of the 16 indicators are at or above the 90th percentile. |
| dw.svi_tract | pct_below_150_poverty | numeric | Percent of people with income below 150% of the federal poverty level. |
| dw.svi_tract | pct_unemployed | numeric | Unemployment rate, percent. |
| dw.svi_tract | pct_housing_cost_burden | numeric | Percent of households with income under $75,000 that spend 30% or more of income on housing. |
| dw.svi_tract | pct_no_high_school | numeric | Percent of people aged 25 and over without a high school diploma. |
| dw.svi_tract | pct_uninsured | numeric | Percent of people without health insurance (civilian, not in institutions). |
| dw.svi_tract | pct_age65_plus | numeric | Percent of people aged 65 and over. |
| dw.svi_tract | pct_age17_under | numeric | Percent of people aged 17 and under. |
| dw.svi_tract | pct_disability | numeric | Percent of people with a disability (civilian, not in institutions). |
| dw.svi_tract | pct_single_parent | numeric | Percent of households that are single-parent households with children under 18. |
| dw.svi_tract | pct_limited_english | numeric | Percent of people aged 5 and over who speak English less than well. |
| dw.svi_tract | pct_minority | numeric | Percent of people in a racial or ethnic minority (everyone except non-Hispanic White). |
| dw.svi_tract | pct_multi_unit | numeric | Percent of housing units in buildings with 10 or more units. |
| dw.svi_tract | pct_mobile_homes | numeric | Percent of housing units that are mobile homes. |
| dw.svi_tract | pct_crowding | numeric | Percent of occupied housing units with more people than rooms. |
| dw.svi_tract | pct_no_vehicle | numeric | Percent of households with no vehicle. |
| dw.svi_tract | pct_group_quarters | numeric | Percent of people living in group quarters, such as dormitories, prisons or nursing homes. |
| dw.svi_tract | pct_no_internet | numeric | Percent of households without a broadband internet subscription (shown for reference; not part of the index). |
| dw.svi_tract | k_source | integer | The source file record (see dw.source): the CDC Social Vulnerability Index census-tract file. |
| dw.svi_tract | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.svi_tract | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.svi_tract | problematic | boolean | true = a known problem is still open for this row; dw.data_note explains it |
| dw.tract_census_year | k_tract_census_year | integer | The row's ID number in the database. |
| dw.tract_census_year | year | smallint | HMDA activity year the tract facts apply to. |
| dw.tract_census_year | tract_code | character(11) | Eleven-character tract code (state, county, tract) as coded on HMDA loans that year: 1980 tracts in 1990-1991, 1990 tracts 1992-2002, 2000 tracts 2003-2006. |
| dw.tract_census_year | census_vintage | smallint | Which census's tract boundaries the code belongs to: 1990 for 1990-2002, 2000 for 2003-2006 (for 1990-1991 the figures come from the 1980 census; see demographics_census). |
| dw.tract_census_year | k_geo_tract | integer | The tract (see dw.geo_tract); empty when no HMDA loan ever carried the code. |
| dw.tract_census_year | demographics_census | smallint | Census the population, minority and income figures come from: 1980 for 1990-1991, 1990 for 1992-2002, 2000 for 2003-2006. |
| dw.tract_census_year | msa_code | text | Metro area as the FFIEC coded it that year: four-digit MSA (Metropolitan Statistical Area) code to 2003 (9999 = outside any metro), five-digit from 2004 (99999 = outside). |
| dw.tract_census_year | population | integer | Tract population, from the census. |
| dw.tract_census_year | minority_population | integer | Tract minority population; empty where the source gave only the percentage. |
| dw.tract_census_year | minority_pct | numeric | Minority population as a percent of tract population (0 to 100), as the FFIEC published it. |
| dw.tract_census_year | tract_median_family_income | integer | Tract median family income from the census, in dollars of the year before the census (1979, 1989 or 1999). |
| dw.tract_census_year | census_area_median_family_income | integer | Median family income of the tract's metro area (or the state's non-metro part) from the same census. |
| dw.tract_census_year | tract_to_area_income_pct | numeric | Tract median family income as a percent of the area's, as the FFIEC published it (the HMDA and CRA tract income measure); 0 or empty = not known. |
| dw.tract_census_year | income_level | text | CRA tract income level: low (under 50%), moderate (50 to under 80%), middle (80 to under 120%) or upper (120% or more); unknown when not known. |
| dw.tract_census_year | area_median_family_income | integer | Area median family income used for HMDA and CRA that year: HUD's yearly estimate for the metro area or non-metro state; for 1990 only, the 1980-census figure (see area_mfi_basis). |
| dw.tract_census_year | area_mfi_basis | text | Basis of area_median_family_income: hud_estimate (HUD's yearly estimate, 1991-2006) or decennial_census (1990 only). |
| dw.tract_census_year | owner_occupied_units | integer | Owner-occupied housing units in the tract, from the census. |
| dw.tract_census_year | one_to_four_family_units | integer | Housing units in buildings of one to four units (excluding mobile homes), from the census. |
| dw.tract_census_year | split_tract | boolean | True when the FFIEC placed the tract in more than one metro area (or a metro and non-metro area) that year; one part is kept. |
| dw.tract_census_year | lar_loans | integer | 2003-2006: number of HMDA loan records carrying this tract with census values; empty for earlier years. |
| dw.tract_census_year | lar_variants | smallint | 2003-2006: how many different sets of census values the loan records gave for the tract (1 = all agree). |
| dw.tract_census_year | lar_mode_share | numeric | 2003-2006: share of the tract's loan records carrying the most common set of values, which is the one used here. |
| dw.tract_census_year | ffiec_lar_agree | boolean | 2003-2006: true when the loan records' values equal the FFIEC census file's; false when they differ (loan values kept); empty when only one source has the tract. |
| dw.tract_census_year | source | text | Which file produced the row: ffiec_census_file, or hmda_lar_census_fields (2003-2006, loan-record values preferred). |
| dw.tract_census_year | k_source | integer | The source file record (see dw.source): the FFIEC census file for the year, or the loan file for rows from loans only. |
| dw.tract_census_year | problematic | boolean | True for a known open problem with the row: area or tract income outside plausible bounds, or LAR and FFIEC disagreeing. |
| dw.tract_census_year | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.tract_census_year | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.tract_xwalk | k_tract_xwalk | integer | The row's ID number in the database. |
| dw.tract_xwalk | from_vintage | smallint | Census of the earlier tract: 1980, 1990, 2000 or 2010. |
| dw.tract_xwalk | from_tract | character(11) | The earlier tract's eleven-digit code (state, county, tract). |
| dw.tract_xwalk | to_vintage | smallint | Census of the later tract: the next census after from_vintage. |
| dw.tract_xwalk | to_tract | character(11) | The later tract's eleven-digit code (state, county, tract). |
| dw.tract_xwalk | overlap | numeric | How much of the earlier tract lies in the later one, in overlap_basis units: people (1990 to 2000), housing units (2000 to 2010), square metres of land (2010 to 2020), or a 0-1 share of the 1980 tract's area (1980 to 1990). |
| dw.tract_xwalk | overlap_basis | text | Unit of overlap: population, housing_units, land_area, or area_tl2000 (area share computed by Jenner Analytics from the 1980 and 1990 tract boundaries). |
| dw.tract_xwalk | k_source | integer | The source file record (see dw.source): the relationship file the link came from. |
| dw.tract_xwalk | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.tract_xwalk | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.tract_xwalk | problematic | boolean | true = a known problem is still open for this row; dw.data_note explains it |
| dw.tract_zcta | k_tract_zcta | integer | The row's ID number in the database. |
| dw.tract_zcta | tract_code | character(11) | Eleven-digit 2020 census tract code (state, county, tract). |
| dw.tract_zcta | zcta | character(5) | Five-digit 2020 ZCTA (ZIP Code Tabulation Area): the Census Bureau's area for a ZIP code. |
| dw.tract_zcta | land_m2 | bigint | Land area of the part of the tract in this ZIP code area, in square metres. |
| dw.tract_zcta | water_m2 | bigint | Water area of the part of the tract in this ZIP code area, in square metres. |
| dw.tract_zcta | k_source | integer | The source file record (see dw.source): the Census 2020 ZIP-code-area-to-tract relationship file. |
| dw.tract_zcta | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.tract_zcta | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.tract_zcta | problematic | boolean | true = a known problem is still open for this row; dw.data_note explains it |
| dw.treasury_breakeven_day | rate_date | date | Business day of the yields, 2003 on. |
| dw.treasury_breakeven_day | nominal_10y | numeric(6,2) | Nominal 10-year Treasury par yield, percent. |
| dw.treasury_breakeven_day | real_10y | numeric(6,2) | Real 10-year Treasury par yield from TIPS (Treasury Inflation-Protected Securities), percent. |
| dw.treasury_breakeven_day | breakeven_10y | numeric | Nominal minus real yield, in percentage points: the bond market's expected average inflation over the next ten years. |
| dw.treasury_rate | k_treasury_rate | integer | The row's ID number in the database. |
| dw.treasury_rate | rate_date | date | Business day the yield is for. |
| dw.treasury_rate | series | text | Curve and maturity, e.g. nominal_3m, nominal_10y, nominal_30y (par yield curve, 1 month to 30 years) or real_10y (TIPS real yield curve, 5 to 30 years). Shorter maturities start later. |
| dw.treasury_rate | value | numeric(6,2) | Yield in percent, as Treasury published it. |
| dw.treasury_rate | k_source | integer | The source file record (see dw.source): the Treasury yearly yield-curve file. |
| dw.treasury_rate | problematic | boolean | true = a known data problem is still open for this row; dw.data_note explains it. |
| dw.treasury_rate | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.treasury_rate | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.treasury_rate_month | year | smallint | Calendar year. |
| dw.treasury_rate_month | month | smallint | Calendar month, 1 to 12. |
| dw.treasury_rate_month | series | text | A Treasury yield series such as nominal_10y or real_10y, or breakeven_10y (nominal minus real 10-year yield). |
| dw.treasury_rate_month | avg_value | numeric | Average of the business-day values in the month, percent, to three decimals. |
| dw.treasury_rate_month | days | smallint | Number of business days averaged. |
| dw.treasury_rate_year | year | smallint | Calendar year. |
| dw.treasury_rate_year | series | text | A Treasury yield series such as nominal_10y or real_10y, or breakeven_10y (nominal minus real 10-year yield). |
| dw.treasury_rate_year | avg_value | numeric | Average of the business-day values in the year, percent, to three decimals. |
| dw.treasury_rate_year | days | smallint | Number of business days averaged (about 250 in a full year). |
| dw.va_county_volume | k_va_county_volume | integer | The row's ID number in the database. |
| dw.va_county_volume | period_kind | text | fiscal_year (VA's October-to-September year) or fiscal_quarter (Q1 = October-December). |
| dw.va_county_volume | fiscal_year | smallint | VA fiscal year: 1 October of the previous calendar year to 30 September, named for the year it ends in; not a calendar year. |
| dw.va_county_volume | fiscal_quarter | smallint | VA fiscal quarter 1-4 (Q1 = October-December, Q4 = July-September); empty on fiscal-year rows. |
| dw.va_county_volume | period_start | date | First day of the period. |
| dw.va_county_volume | period_end | date | Last day of the period. |
| dw.va_county_volume | county_state | text | County and state exactly as VA published them, e.g. SAN DIEGO, CA; Grand Total on the total row. |
| dw.va_county_volume | county_name | text | County name as VA published it; empty on the total row. |
| dw.va_county_volume | state | character(2) | Two-letter state; empty on the total row. |
| dw.va_county_volume | county_fips | character(5) | Five-digit county FIPS (Federal Information Processing Standards) code, found by matching VA's county name within the state; empty (and the row flagged) when no single match. |
| dw.va_county_volume | is_total | boolean | True on VA's Grand Total row, which the county rows add up to; leave it out when summing counties. |
| dw.va_county_volume | county_rank | integer | The county's rank by loans, as VA published it (1 = most). |
| dw.va_county_volume | loans | integer | Loans VA guaranteed, all loan types. |
| dw.va_county_volume | purchase_loans | integer | Purchase loans VA guaranteed. |
| dw.va_county_volume | irrrl_loans | integer | IRRRL (Interest Rate Reduction Refinance Loan, VA's streamline refinance) loans VA guaranteed. |
| dw.va_county_volume | cashout_loans | integer | Cash-out refinance loans VA guaranteed. |
| dw.va_county_volume | source_file | text | Name of the VA (Department of Veterans Affairs) file the row came from. |
| dw.va_county_volume | source_row | integer | Row number in the worksheet, as a spreadsheet program numbers it. |
| dw.va_county_volume | k_source | integer | The source file record (see dw.source). |
| dw.va_county_volume | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.va_county_volume | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.va_county_volume | problematic | boolean | Known open problem on this row (see dw.data_note) |
| dw.va_file_manifest | k_va_file_manifest | integer | ID number of the file record shown (from dw.augment_manifest). |
| dw.va_file_manifest | file_name | text | Name of the file as VA (Department of Veterans Affairs) published it. |
| dw.va_file_manifest | file_kind | text | What the file is: lender (loans per lender for a month, fiscal quarter or fiscal year), lender_history (VA's lender volume workbook, every fiscal year from 2006), state (loans by property state) or county (loans by property county). |
| dw.va_file_manifest | period | text | VA fiscal period the file covers (VA's year runs October to September, named for the year it ends in): e.g. FY2025 a fiscal year, FY2025-Q3 a quarter, FY2026-M09 a month, FY2006-FY2025 the history workbook. |
| dw.va_file_manifest | period_start | date | First day of the period the file covers (1 October for a fiscal year). |
| dw.va_file_manifest | url | text | Web address VA lists the file at. |
| dw.va_file_manifest | file_bytes | bigint | Size of the file in bytes; empty for a file listed but not downloaded. |
| dw.va_file_manifest | sha256 | text | Digital fingerprint of the file's contents; the file is reloaded only when it changes. Empty for a file listed but not downloaded. |
| dw.va_file_manifest | listed_at | timestamp with time zone | Last time VA's web page listed the file; empty if never recorded. |
| dw.va_file_manifest | downloaded_at | timestamp with time zone | When the file was downloaded. |
| dw.va_file_manifest | loaded_at | timestamp with time zone | When the warehouse loaded the file; empty for a file VA lists that was not loaded. |
| dw.va_file_manifest | rows_loaded | bigint | Rows the warehouse loaded from this file. |
| dw.va_file_manifest | k_source | integer | The source file record of this load (see dw.source). |
| dw.va_file_manifest | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.va_file_manifest | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.va_file_manifest | problematic | boolean | true = a known data problem is still open for this row; dw.data_note explains it. |
| dw.va_file_manifest_retired | k_va_file_manifest | integer | The row's ID number in the database; carried into dw.augment_manifest when the row was copied there. |
| dw.va_file_manifest_retired | file_name | text | Name of the file as VA (Department of Veterans Affairs) published it. |
| dw.va_file_manifest_retired | file_kind | text | What the file is: lender (loans per lender for a month, fiscal quarter or fiscal year), lender_history (VA's lender volume workbook, every fiscal year from 2006), state (loans by property state) or county (loans by property county). |
| dw.va_file_manifest_retired | period | text | VA fiscal period the file covers (VA's year runs October to September, named for the year it ends in): e.g. FY2025 a fiscal year, FY2025-Q3 a quarter, FY2026-M09 a month, FY2006-FY2025 the history workbook. |
| dw.va_file_manifest_retired | period_start | date | First day of the period the file covers (1 October for a fiscal year). |
| dw.va_file_manifest_retired | url | text | Web address VA lists the file at. |
| dw.va_file_manifest_retired | file_bytes | bigint | Size of the file in bytes; empty for a file listed but not downloaded. |
| dw.va_file_manifest_retired | sha256 | text | Digital fingerprint of the file's contents; the file is reloaded only when it changes. Empty for a file listed but not downloaded. |
| dw.va_file_manifest_retired | listed_at | timestamp with time zone | Last time VA's web page listed the file; empty if never recorded. |
| dw.va_file_manifest_retired | downloaded_at | timestamp with time zone | When the file was downloaded. |
| dw.va_file_manifest_retired | loaded_at | timestamp with time zone | When the warehouse loaded the file; empty for a file VA lists that was not loaded. |
| dw.va_file_manifest_retired | rows_loaded | bigint | Rows the warehouse loaded from this file. |
| dw.va_file_manifest_retired | k_source | integer | The source file record of this load (see dw.source). |
| dw.va_file_manifest_retired | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.va_file_manifest_retired | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.va_file_manifest_retired | problematic | boolean | Known open problem on this row (see dw.data_note) |
| dw.va_lender_fy | k_va_lender_fy | integer | The row's ID number in the database. |
| dw.va_lender_fy | fiscal_year | smallint | VA fiscal year: 1 October of the previous calendar year to 30 September, named for the year it ends in; not a calendar year. |
| dw.va_lender_fy | period_start | date | First day of the VA fiscal year: 1 October of the previous calendar year. |
| dw.va_lender_fy | period_end | date | Last day of the VA fiscal year: 30 September. |
| dw.va_lender_fy | loan_type | text | Loan type counted: all, purchase, cashout (cash-out refinance) or irrrl (Interest Rate Reduction Refinance Loan, VA's streamline refinance). |
| dw.va_lender_fy | lender_name | text | Lender name as VA published it; this workbook uses each lender's current name for every year (e.g. ROCKET MORTGAGE, LLC also for its Quicken Loans years). Grand Total on the total row. |
| dw.va_lender_fy | is_total | boolean | True on VA's Grand Total row, which the lender rows add up to; leave it out when summing lenders. |
| dw.va_lender_fy | loans | integer | Number of loans VA guaranteed. |
| dw.va_lender_fy | avg_loan_amount | numeric(14,0) | Average loan amount in dollars, as published. |
| dw.va_lender_fy | total_loan_amount | numeric(16,0) | Total loan amount in dollars, as published. |
| dw.va_lender_fy | source_file | text | Name of the VA (Department of Veterans Affairs) file the row came from. |
| dw.va_lender_fy | source_row | integer | Row number in the worksheet, as a spreadsheet program numbers it. |
| dw.va_lender_fy | k_source | integer | The source file record (see dw.source). |
| dw.va_lender_fy | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.va_lender_fy | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.va_lender_fy | problematic | boolean | Known open problem on this row (see dw.data_note) |
| dw.va_lender_period | k_va_lender_period | integer | The row's ID number in the database. |
| dw.va_lender_period | period_kind | text | Period the row covers: fiscal_year (VA's October-to-September year), fiscal_quarter (Q1 = October-December) or month (a calendar month). |
| dw.va_lender_period | fiscal_year | smallint | VA fiscal year the period belongs to (October to September, named for the year it ends in). |
| dw.va_lender_period | fiscal_quarter | smallint | VA fiscal quarter 1-4 (Q1 = October-December, Q4 = July-September); empty on fiscal-year and month rows. |
| dw.va_lender_period | period_start | date | First day of the period. |
| dw.va_lender_period | period_end | date | Last day of the period. |
| dw.va_lender_period | loan_type | text | Loan type counted: all, purchase, cashout (cash-out refinance) or irrrl (Interest Rate Reduction Refinance Loan, VA's streamline refinance). |
| dw.va_lender_period | lender_rank | integer | The lender's rank by loans, as VA published it (1 = most). |
| dw.va_lender_period | lender_name | text | Lender name as VA published it for that period (VA publishes no lender number); Grand Total on the total row. |
| dw.va_lender_period | is_total | boolean | True on VA's Grand Total row, which the lender rows add up to; leave it out when summing lenders. |
| dw.va_lender_period | loans | integer | Number of loans VA guaranteed in the period. |
| dw.va_lender_period | avg_loan_amount | numeric(14,0) | Average loan amount in dollars, as published. |
| dw.va_lender_period | total_loan_amount | numeric(16,0) | Total loan amount in dollars, as published. |
| dw.va_lender_period | source_file | text | Name of the VA (Department of Veterans Affairs) file the row came from. |
| dw.va_lender_period | source_sheet | text | Worksheet the row came from (one per loan type, e.g. ALL). |
| dw.va_lender_period | source_row | integer | Row number in the worksheet, as a spreadsheet program numbers it. |
| dw.va_lender_period | k_source | integer | The source file record (see dw.source). |
| dw.va_lender_period | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.va_lender_period | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.va_lender_period | problematic | boolean | Known open problem on this row (see dw.data_note) |
| dw.va_state_volume | k_va_state_volume | integer | The row's ID number in the database. |
| dw.va_state_volume | period_kind | text | fiscal_year (VA's October-to-September year) or fiscal_quarter (Q1 = October-December). |
| dw.va_state_volume | fiscal_year | smallint | VA fiscal year: 1 October of the previous calendar year to 30 September, named for the year it ends in; not a calendar year. |
| dw.va_state_volume | fiscal_quarter | smallint | VA fiscal quarter 1-4 (Q1 = October-December, Q4 = July-September); empty on fiscal-year rows. |
| dw.va_state_volume | period_start | date | First day of the period. |
| dw.va_state_volume | period_end | date | Last day of the period. |
| dw.va_state_volume | state | character(2) | Two-letter state of the property, as published; empty on the total row. |
| dw.va_state_volume | is_total | boolean | True on VA's Grand Total row, the national total the state rows add up to; leave it out when summing states. |
| dw.va_state_volume | loans | integer | Loans VA guaranteed, all loan types. |
| dw.va_state_volume | avg_loan_amount | numeric(14,0) | Average loan amount in dollars, all loan types. |
| dw.va_state_volume | total_loan_amount | numeric(16,0) | Total loan amount in dollars, all loan types. |
| dw.va_state_volume | purchase_loans | integer | Purchase loans VA guaranteed. |
| dw.va_state_volume | purchase_avg_amount | numeric(14,0) | Average amount of purchase loans, in dollars. |
| dw.va_state_volume | purchase_amount | numeric(16,0) | Total amount of purchase loans, in dollars. |
| dw.va_state_volume | irrrl_loans | integer | IRRRL (Interest Rate Reduction Refinance Loan, VA's streamline refinance) loans VA guaranteed. |
| dw.va_state_volume | irrrl_avg_amount | numeric(14,0) | Average amount of IRRRL (Interest Rate Reduction Refinance Loan) loans, in dollars. |
| dw.va_state_volume | irrrl_amount | numeric(16,0) | Total amount of IRRRL (Interest Rate Reduction Refinance Loan) loans, in dollars. |
| dw.va_state_volume | cashout_loans | integer | Cash-out refinance loans VA guaranteed. |
| dw.va_state_volume | cashout_avg_amount | numeric(14,0) | Average amount of cash-out refinance loans, in dollars. |
| dw.va_state_volume | cashout_amount | numeric(16,0) | Total amount of cash-out refinance loans, in dollars. |
| dw.va_state_volume | source_file | text | Name of the VA (Department of Veterans Affairs) file the row came from. |
| dw.va_state_volume | source_row | integer | Row number in the worksheet, as a spreadsheet program numbers it. |
| dw.va_state_volume | k_source | integer | The source file record (see dw.source). |
| dw.va_state_volume | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.va_state_volume | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.va_state_volume | problematic | boolean | Known open problem on this row (see dw.data_note) |
| dw.zbp_zip | k_zbp_zip | integer | The row's ID number in the database. |
| dw.zbp_zip | year | smallint | Reference year, 2022 or 2023. |
| dw.zbp_zip | zip | character(5) | Five-digit postal ZIP code (not a ZIP Code Tabulation Area). |
| dw.zbp_zip | zip_name | text | ZIP code name as published: place and state, e.g. AGAWAM, MA. |
| dw.zbp_zip | city | text | City of the ZIP code, upper case. |
| dw.zbp_zip | state_abbr | character(2) | Two-letter state. |
| dw.zbp_zip | county_name | text | County name, upper case, e.g. HAMPDEN. |
| dw.zbp_zip | establishments | integer | Number of business locations with paid employees. |
| dw.zbp_zip | employment | integer | Paid employees in the pay period including March 12. |
| dw.zbp_zip | employment_noise | character(1) | How much the Census Bureau altered employment to protect privacy: G low (under 2%), H medium (2-5%), J high (5% or more); a 0 with G may still be a withheld figure. |
| dw.zbp_zip | payroll_q1_k | bigint | First-quarter payroll, in thousands of dollars. |
| dw.zbp_zip | payroll_q1_noise | character(1) | How much first-quarter payroll was altered to protect privacy: G low (under 2%), H medium (2-5%), J high (5% or more). |
| dw.zbp_zip | payroll_annual_k | bigint | Annual payroll, in thousands of dollars. |
| dw.zbp_zip | payroll_annual_noise | character(1) | How much annual payroll was altered to protect privacy: G low (under 2%), H medium (2-5%), J high (5% or more). |
| dw.zbp_zip | k_source | integer | The source file record (see dw.source): that year's ZIP Code Business Patterns file. |
| dw.zbp_zip | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.zbp_zip | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.zbp_zip | problematic | boolean | true = a known problem is still open for this row; dw.data_note explains it |
| dw.zip_msa | k_zip_msa | integer | The row's ID number in the database. |
| dw.zip_msa | zip5 | character(5) | Five-digit ZIP code. |
| dw.zip_msa | k_geo_county | integer | The ZIP code's main county, one per ZIP even when it spans several (see dw.geo_county); empty when the county has no HMDA (Home Mortgage Disclosure Act) records. |
| dw.zip_msa | k_geo_msa | integer | Metro area of that county in the year given by k_period (see dw.geo_msa); empty when none is known. |
| dw.zip_msa | k_period | integer | Year whose county-to-metro links gave the metro area: the latest year loaded (see dw.period). |
| dw.zip_msa | zip_city | text | City name of the ZIP code. |
| dw.zip_msa | zip_population | numeric | Population of the ZIP code. |
| dw.zip_msa | k_source | integer | The source file record (see dw.source): the ZIP code reference file. |
| dw.zip_msa | created_dt | timestamp with time zone | When the warehouse first wrote this row. |
| dw.zip_msa | updated_dt | timestamp with time zone | When the warehouse last changed this row. |
| dw.zip_msa | problematic | boolean | true = a known problem is still open for this row; dw.data_note explains it |
§4
Code
Every chart in the report is drawn by Jenner, Jenner Analytics' SAS-language analytics engine, from this program, which reads the datamart directly.
jenner/market/market_share_report.sas
/* ---------------------------------------------------------------------------
National mortgage market-share report: every chart and table, drawn by
Jenner (SAS language; never SAS Institute or Altair software) from the
warehouse. Design: docs/report-design.md (Ledger: paper, ink, amber once per
figure; no titles, footnotes or legends inside a figure; the page carries
them). Run by reports/market_share/build.py, which then builds the page.
Inputs: mart.report_market_lender_year and mart.report_state_leader
(sql/80_report_market.sql: core-market loans originated, summed in
Postgres), ../data/market_events.psv (the dated events on figure 1).
Output, in &out (REPORT_OUT, set by build.py under HMDA_REPORTS_OUT):
fig01_originations.svg ... fig07_purchase_share.svg, and CSVs for the
page: market_year, kind_year, kind_2025, top_loans, top_dollars,
state_leaders, events.
--------------------------------------------------------------------------- */
%let y = %sysget(REPORT_YEAR);
%let out = %sysget(REPORT_OUT);
%include "ledger/jenner_ledger.sas";
%include "ledger/report.sas";
libname mart postgres schema="mart" access=readonly;
/* Number formats (docs/report-design.md §6): compact, the unit in the number. */
proc format;
picture loans (round) low-<1000 = '009' 1000-<1000000 = '009K' (mult=0.001)
1000000-high = '009.9M' (mult=0.00001);
picture usd (round) low-<1e9 = '009M' (prefix='$' mult=0.000001)
1e9-<1e12 = '009B' (prefix='$' mult=1e-9)
1e12-high = '009.99T' (prefix='$' mult=1e-10);
value $kind 'non_bank' = 'Non-banks' 'bank' = 'Banks' 'credit_union' = 'Credit unions' other = 'Other';
run;
/* ------------------------------------------------------------------ data */
data work.mly;
set mart.report_market_lender_year(keep=year k_lender display_name kind originations
originated_amount purchase_originations);
run;
proc sql;
create table work.market_year as
select year, sum(originations) as originations, sum(originated_amount) as amount,
count(*) as lenders, sum(purchase_originations) as purchase
from work.mly group by year order by year;
create table work.kind_year as
select year, kind, sum(originations) as originations, sum(originated_amount) as amount, count(*) as lenders
from work.mly group by year, kind order by year, kind;
create table work.l25 as /* this year and last, per lender */
select a.k_lender, a.display_name, a.kind, a.originations, a.originated_amount as amount,
a.purchase_originations, coalesce(b.originations, 0) as originations_prev
from work.mly(where=(year = &y)) as a
left join work.mly(where=(year = %eval(&y - 1))) as b on b.k_lender = a.k_lender;
quit;
proc sql noprint;
select sum(originations), sum(amount) into :tot_n trimmed, :tot_amt trimmed from work.market_year where year = &y;
select sum(originations) into :tot_prev trimmed from work.market_year where year = %eval(&y - 1);
select sum(purchase) / sum(originations) into :pur_all trimmed from work.market_year where year = &y;
quit;
/* the 25 largest by loans, with share, change in share since last year, purchase share */
proc sort data=work.l25 out=work.by_n; by descending originations; run;
data work.top_loans;
set work.by_n(obs=25);
rank = _n_;
share = originations / &tot_n;
share_prev = originations_prev / &tot_prev;
change_pts = 100 * (share - share_prev);
purchase_share = purchase_originations / originations;
cum + share;
format originations loans. amount usd.;
run;
proc sort data=work.l25 out=work.by_amt; by descending amount; run;
data work.top_dollars;
set work.by_amt(obs=25);
rank = _n_;
share = amount / &tot_amt;
cum + share;
format amount usd.;
run;
proc sql;
create table work.kind_y as
select put(kind, $kind.) as kind_label length=14, kind, sum(originations) as originations,
sum(originated_amount) as amount, count(*) as lenders, calculated originations / &tot_n as share
from work.mly(where=(year = &y)) group by kind order by originations desc;
create table work.state_leaders as
select a.state_abbr, a.state_name, a.market_originations, a.display_name as leader, a.share as leader_share,
b.display_name as second, b.share as second_share,
(select sum(c.share) from mart.report_state_leader(keep=year state_abbr share) c
where c.year = &y and c.state_abbr = a.state_abbr) as top5_share
from mart.report_state_leader(where=(year = &y and rank = 1)) a
left join mart.report_state_leader(where=(year = &y and rank = 2)) b on b.state_abbr = a.state_abbr
order by a.market_originations desc;
quit;
data work.events; /* the seed's comment lines (#) and header are skipped */
infile "../data/market_events.psv" dlm='|' truncover;
input @;
if _infile_ =: '#' or _infile_ =: 'year|' or _infile_ = ' ' then delete;
input year : 4. event : $120.;
run;
data work.events; set work.events; evno = _n_; length evc $2; evc = strip(put(evno, 2.)); run;
/* --------------------------------------------- FIG 1: loans originated, 1990-Y */
%let top = 21500000;
data work.f1;
merge work.market_year work.events(keep=year evno evc); by year;
if evno ne . then do; evy = originations; evtop = ⊤ end;
if year = &y then last = originations;
run;
ods html5 path="&out" gpath="&out" file="figures.html" style=jenner_ledger_report;
%ledger_graphics(width=1040, height=500, name=fig01_originations);
proc sgplot data=work.f1 noborder noautolegend;
%ledger_styleattrs;
highlow x=year low=evy high=evtop / lineattrs=(color=&ledger_rule pattern=shortdash thickness=2);
series x=year y=originations / lineattrs=(color=&ledger_ink thickness=3);
scatter x=year y=evy / markerattrs=(symbol=circlefilled color=&ledger_stone size=9);
scatter x=year y=last / markerattrs=(symbol=circlefilled color=&ledger_amber size=14);
scatter x=year y=evtop / markerattrs=(symbol=circlefilled color=&ledger_paper size=26);
scatter x=year y=evtop / markerattrs=(symbol=circle color=&ledger_ink size=26);
scatter x=year y=evtop / markerchar=evc markercharattrs=(color=&ledger_ink size=11pt family="Geist Mono");
xaxis display=(nolabel noline noticks) values=(1990 to 2025 by 5) offsetmin=0.01 offsetmax=0.02
valueattrs=(color=&ledger_stone size=11pt family="Geist Mono");
yaxis display=(nolabel noline noticks) grid gridattrs=(color=&ledger_rule thickness=2) min=0 max=23000000 /* room above the event circles at 21.5M (Lawrence, 2026-10-22: they were clipped at 22M) */
values=(0 to 20000000 by 5000000) valuesdisplay=('0' '5M' '10M' '15M' '20M')
valueattrs=(color=&ledger_stone size=11pt family="Geist Mono");
run;
/* ------------------------------ FIG 2: loans originated by kind of lender, 1990-Y */
data work.f2; set work.kind_year;
length kind_label $14; kind_label = put(kind, $kind.);
/* banks first, then non-banks (Lawrence, 2026-10-22); each kind keeps its colour */
ord = whichc(kind, 'bank', 'non_bank', 'credit_union', 'other');
run;
proc sort data=work.f2; by year ord; run;
%ledger_graphics(width=1040, height=500, name=fig02_kind_stack);
proc sgplot data=work.f2 noborder;
styleattrs backcolor=&ledger_paper wallcolor=&ledger_paper
datacolors=(&ledger_ink &ledger_amber &ledger_stone &ledger_rule)
datacontrastcolors=(&ledger_ink &ledger_amber &ledger_stone &ledger_rule);
vbar year / response=originations group=kind_label groupdisplay=stack grouporder=data barwidth=0.8
nooutline; /* no light line between the stacked parts (Lawrence, 2026-10-22) */
xaxis display=(nolabel noline noticks) fitpolicy=thin valueattrs=(color=&ledger_stone size=11pt family="Geist Mono");
yaxis display=(nolabel noline noticks) grid gridattrs=(color=&ledger_rule thickness=2)
values=(0 to 20000000 by 5000000) valuesdisplay=('0' '5M' '10M' '15M' '20M')
valueattrs=(color=&ledger_stone size=11pt family="Geist Mono");
keylegend / title="" location=outside position=topleft across=3 noborder
valueattrs=(color=&ledger_ink size=11pt family="Geist");
run;
/* ------------------------- FIG 3-5: Pareto charts (PROC PARETO, SAS/QC docs): vertical bars where the category names fit
under them (fig 3, three kinds), horizontal where they do not (figs 4-5, 25 lender names);
the cumulative line in amber-ink (CCONNECT=) so it stands out against the ink bars
Jenner (dev c204047895e) writes a PARETO chart to ods_output/pareto_<category
variable>.svg whatever IMAGENAME= and GPATH= say, so each chart has its own
category variable and reports/market_share/build.py copies the files; to go
when that bug is fixed (as are WIDTH=/HEIGHT=, the axis format and the style). */
%ledger_graphics(width=640, height=420, name=fig03_kind_pareto);
data work.p_kind; set work.kind_y; k_loans = originations / 1000; run;
%pareto_axis(work.p_kind, k_loans)
proc pareto data=work.p_kind;
vbar kind_label / weight=k_loans scale=weight freqaxis=&axis cbars=&ledger_amber cbarline=&ledger_paper cconnect=&ledger_ink noframe
freqaxislabel='Thousands of loans' cumaxislabel='Percent of all loans'
nocatlabel catlegend=off odstitle=none;
run;
/* Figures 4-5: the 25 largest lenders as a Pareto chart drawn with SGPLOT (Lawrence, 2026-10-22).
Bars: each lender's loans (dollars) on the top axis, ending at most 20% past the largest bar
(%pareto_axis). Line: the running share of the WHOLE market on the bottom axis, 0 to 100%, so it
ends at the 25's combined share. Why not PROC PARETO: a restricted chart (MAXNCAT=) takes its
percentages from the bars shown, so its line reaches 100% at the 25th lender (SAS/QC PARETO,
"Restricted Pareto Charts", figure "Restricted Pareto Chart"; Jenner matches), and the
OTHER= bar the 2026-10-21 charts used dwarfed the 25. HBARPARM, not HBAR: in SGPLOT a SERIES
overlays HBARPARM, not HBAR. */
%macro top_pareto(ds, var, scale, name, barlabel, cumlabel);
data work.tp; set &ds(keep=display_name &var cum); length lender $200; lender = display_name;
bar = &var / &scale; cum_pct = 100 * cum; run;
%pareto_axis(work.tp, bar)
%ledger_graphics(width=1040, height=820, name=&name);
proc sgplot data=work.tp noborder noautolegend;
styleattrs backcolor=&ledger_paper wallcolor=&ledger_paper;
hbarparm category=lender response=bar / x2axis barwidth=0.7 fillattrs=(color=&ledger_amber)
outlineattrs=(color=&ledger_paper);
series x=cum_pct y=lender / lineattrs=(color=&ledger_ink thickness=2); /* a line only, no point markers (Lawrence, 2026-10-22) */
yaxis display=(nolabel noline noticks) discreteorder=data
valueattrs=(color=&ledger_ink size=11pt family="Geist");
x2axis values=(&axis) label="&barlabel" display=(noline noticks) grid gridattrs=(color=&ledger_rule thickness=2)
labelattrs=(color=&ledger_stone size=11pt family="Geist Mono") valueattrs=(color=&ledger_stone size=11pt family="Geist Mono");
xaxis values=(0 to 100 by 20) label="&cumlabel" display=(noline noticks)
labelattrs=(color=&ledger_stone size=11pt family="Geist Mono") valueattrs=(color=&ledger_stone size=11pt family="Geist Mono");
run;
%mend;
%top_pareto(work.top_loans, originations, 1000, fig04_pareto_loans, Loans originated (thousands),
Percent of all loans originated)
%top_pareto(work.top_dollars, amount, 1e9, fig05_pareto_dollars, Dollars lent ($ billions),
Percent of all dollars lent)
/* -------------------------- FIG 6: change in market share since last year (points)
No data labels: Jenner (eda9cce) ignores DATALABEL=<text variable> and sets
labels over negative bars; reported to the graph-polish session 2026-10-21. */
data work.f6; set work.top_loans;
length dir $5; dir = ifc(change_pts >= 0, 'Gain', 'Fall');
label_pts = cats(ifc(change_pts > 0, '+', ''), put(change_pts, 5.2));
run;
proc sort data=work.f6; by descending change_pts; run;
%ledger_graphics(width=1040, height=760, name=fig06_share_change);
proc sgplot data=work.f6 noborder noautolegend;
styleattrs backcolor=&ledger_paper wallcolor=&ledger_paper datacolors=(&ledger_ink &ledger_amber)
datacontrastcolors=(&ledger_ink &ledger_amber);
hbar display_name / response=change_pts group=dir categoryorder=respdesc barwidth=0.7
outlineattrs=(color=&ledger_paper);
refline 0 / axis=x lineattrs=(color=&ledger_ink thickness=2);
yaxis display=(nolabel noline noticks) valueattrs=(color=&ledger_ink size=11pt family="Geist");
xaxis display=(nolabel noline noticks) grid gridattrs=(color=&ledger_rule thickness=2)
values=(-0.2 to 0.6 by 0.2) valuesdisplay=('-0.2' '0' '+0.2' '+0.4' '+0.6')
valueattrs=(color=&ledger_stone size=11pt family="Geist Mono");
run;
/* ------------------------- FIG 7: home purchases as a share of each lender's loans */
data work.f7; set work.top_loans; pct = 100 * purchase_share; label_pct = cats(put(pct, 3.), '%'); run;
%ledger_graphics(width=1040, height=760, name=fig07_purchase_share);
proc sgplot data=work.f7 noborder noautolegend;
%ledger_styleattrs;
hbar display_name / response=pct categoryorder=respdesc barwidth=0.7 fillattrs=(color=&ledger_stone)
outlineattrs=(color=&ledger_paper);
refline %sysevalf(100 * &pur_all) / axis=x lineattrs=(color=&ledger_amber_ink thickness=3)
label="All lenders" labelattrs=(color=&ledger_amber_ink size=11pt family="Geist Mono");
yaxis display=(nolabel noline noticks) valueattrs=(color=&ledger_ink size=11pt family="Geist");
xaxis display=(nolabel noline noticks) min=0 max=100 values=(0 to 100 by 25)
valuesdisplay=('0%' '25%' '50%' '75%' '100%') grid gridattrs=(color=&ledger_rule thickness=2)
valueattrs=(color=&ledger_stone size=11pt family="Geist Mono");
run;
ods html5 close;
/* ------------------------------------------------------- tables for the page */
%macro csv(ds, file); /* raw numbers: the page formats them (PROC EXPORT writes formatted values) */
data work._csv; set &ds; format _numeric_; run;
proc export data=work._csv outfile="&out/&file..csv" dbms=csv replace; run;
%mend;
%csv(work.market_year, market_year)
%csv(work.kind_year, kind_year)
%csv(work.kind_y, kind_&y)
%csv(work.top_loans, top_loans)
%csv(work.top_dollars, top_dollars)
%csv(work.state_leaders, state_leaders)
%csv(work.events, events)