WASHINGTON–The Census data that is the basis for creating the aggregate and disclosure reports for mortgages and compliance with anti-redlining statutes have been updated for 2025.
According to the Federal Financial Institutions Examination Council (FFIEC), of which NCUA is a member, the data, used for compliance with Home Mortgage Disclosure Act (HMDA) and Community Reinvestment Act (CRA) compliance contain more than 1,000 fields of census data.
Those numbers are updated every year to reflect changes to MSA/MD boundaries announced by the Office of Management and Budget (OMB) and CRA Distressed/Underserved Census Tracts as announced by federal banking regulators.
The Census Bureau said it has also updated its geocoding and mapping systems for 2025. Those systems are used by banks to meet their legal requirement to report information on mortgage, business, and farm loan applications.
Additional Data Released
In addition, the FFIEC has released 2024 data on mortgage lending. The data, from 4,908 U.S. financial institutions, details mortgage lending transactions reported under HMDA. In conjunction with that report, the FFIEC also published its Snapshot National Loan-Level Dataset, which contains the national HMDA datasets as of May 19, 2025.
