<table>
<colgroup>
<col style="width: 6%" />
<col style="width: 5%" />
<col style="width: 5%" />
<col style="width: 10%" />
<col style="width: 11%" />
<col style="width: 9%" />
<col style="width: 9%" />
<col style="width: 7%" />
<col style="width: 9%" />
<col style="width: 6%" />
<col style="width: 9%" />
<col style="width: 8%" />
</colgroup>
<tbody>
<tr class="odd">
<td colspan="8"><strong>File Content</strong> Division of IT</td>
<td>Page</td>
<td>1</td>
<td>of</td>
<td>3</td>
</tr>
<tr class="even">
<td colspan="12"></td>
</tr>
<tr class="odd">
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
</tr>
<tr class="even">
<td colspan="5"><strong>System Title and Acronym:</strong></td>
<td colspan="7">HMDA: Home Mortgage Disclosure Act</td>
</tr>
<tr class="odd">
<td colspan="4"><strong>Descriptive File Name:</strong></td>
<td></td>
<td colspan="7">1999 - 2002 LARs Public Tape</td>
</tr>
<tr class="even">
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
</tr>
<tr class="odd">
<td colspan="3"><strong>DSName(s):</strong></td>
<td></td>
<td></td>
<td colspan="7">Non-Labelled</td>
</tr>
<tr class="even">
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
</tr>
<tr class="odd">
<td colspan="5"><strong>Record Format: Length</strong></td>
<td colspan="7">60</td>
</tr>
<tr class="even">
<td></td>
<td></td>
<td></td>
<td colspan="2"><strong>Type</strong></td>
<td colspan="7">FB</td>
</tr>
<tr class="odd">
<td></td>
<td></td>
<td></td>
<td colspan="2"><strong>Block Size</strong></td>
<td colspan="7">24000</td>
</tr>
<tr class="even">
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
</tr>
<tr class="odd">
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
</tr>
<tr class="even">
<td></td>
<td></td>
<td></td>
<td></td>
<td colspan="3"><strong>Bytes</strong></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
</tr>
<tr class="odd">
<td colspan="4"><strong>Element Label</strong></td>
<td><strong>Starting</strong></td>
<td><strong>Ending</strong></td>
<td><strong>Length</strong></td>
<td><strong>Type*</strong></td>
<td colspan="4"><strong>Comments, Values, Keys, Etc.</strong></td>
</tr>
<tr class="even">
<td colspan="4">1. Asof Date</td>
<td>1</td>
<td>4</td>
<td>4</td>
<td>N</td>
<td colspan="4">Year of data (i.e. 2002)</td>
</tr>
<tr class="odd">
<td colspan="4">2. Respondent ID</td>
<td>5</td>
<td>14</td>
<td>10</td>
<td>AN</td>
<td colspan="4">Unique within agency</td>
</tr>
<tr class="even">
<td colspan="4">3. Agency Code</td>
<td>15</td>
<td>15</td>
<td>1</td>
<td>AN</td>
<td colspan="4"><p>1=OCC, 2=FRS, 3=FDIC, 4=OTS, 5=NCUA, 7=HUD</p>
<p>B,C,D,E, or X=State Exempts</p>
<p>(FRS, FDIC, OTS, NCUA or</p>
<p>Unidentified, respectively)</p></td>
</tr>
<tr class="odd">
<td colspan="4">4. Type of Loan</td>
<td>16</td>
<td>16</td>
<td>1</td>
<td>AN</td>
<td colspan="4"></td>
</tr>
<tr class="even">
<td colspan="4">5. Purpose of Loan</td>
<td>17</td>
<td>17</td>
<td>1</td>
<td>AN</td>
<td colspan="4"></td>
</tr>
<tr class="odd">
<td colspan="4">6. Occupancy</td>
<td>18</td>
<td>18</td>
<td>1</td>
<td>AN</td>
<td colspan="4"></td>
</tr>
<tr class="even">
<td colspan="4">7. Amount of Loan</td>
<td>19</td>
<td>23</td>
<td>5</td>
<td>AN</td>
<td colspan="4"></td>
</tr>
<tr class="odd">
<td colspan="4">8. Type of Action Taken</td>
<td>24</td>
<td>24</td>
<td>1</td>
<td>AN</td>
<td colspan="4"></td>
</tr>
<tr class="even">
<td colspan="4">9. MSA of Property</td>
<td>25</td>
<td>28</td>
<td>4</td>
<td>AN</td>
<td colspan="4"></td>
</tr>
<tr class="odd">
<td colspan="4">10. State Code</td>
<td>29</td>
<td>30</td>
<td>2</td>
<td>AN</td>
<td colspan="4"></td>
</tr>
<tr class="even">
<td colspan="4">11. County Code</td>
<td>31</td>
<td>33</td>
<td>3</td>
<td>AN</td>
<td colspan="4"></td>
</tr>
<tr class="odd">
<td colspan="4">12. Census Tract Number</td>
<td>34</td>
<td>40</td>
<td>7</td>
<td>AN</td>
<td colspan="4"></td>
</tr>
<tr class="even">
<td colspan="4">13. Applicant Race</td>
<td>41</td>
<td>41</td>
<td>1</td>
<td>AN</td>
<td colspan="4"></td>
</tr>
<tr class="odd">
<td colspan="4">14. Co-Applicant Race</td>
<td>42</td>
<td>42</td>
<td>1</td>
<td>AN</td>
<td colspan="4"></td>
</tr>
</tbody>
</table>

<table style="width:100%;">
<colgroup>
<col style="width: 0%" />
<col style="width: 6%" />
<col style="width: 5%" />
<col style="width: 5%" />
<col style="width: 10%" />
<col style="width: 11%" />
<col style="width: 9%" />
<col style="width: 9%" />
<col style="width: 7%" />
<col style="width: 0%" />
<col style="width: 9%" />
<col style="width: 0%" />
<col style="width: 6%" />
<col style="width: 0%" />
<col style="width: 9%" />
<col style="width: 0%" />
<col style="width: 8%" />
</colgroup>
<tbody>
<tr class="odd">
<td></td>
<td colspan="9"><strong>File Content</strong> Division of IT</td>
<td colspan="2">Page</td>
<td colspan="2">2</td>
<td colspan="2">of</td>
<td>3</td>
</tr>
<tr class="even">
<td></td>
<td colspan="16"></td>
</tr>
<tr class="odd">
<td colspan="2"></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td colspan="2"></td>
<td colspan="2"></td>
<td colspan="2"></td>
<td colspan="2"></td>
</tr>
<tr class="even">
<td colspan="6"><strong>System Title and Acronym:</strong></td>
<td colspan="11">HMDA: Home Mortgage Dislosure Act</td>
</tr>
<tr class="odd">
<td colspan="2"></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td colspan="2"></td>
<td colspan="2"></td>
<td colspan="2"></td>
<td colspan="2"></td>
</tr>
<tr class="even">
<td colspan="2"></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td colspan="2"></td>
<td colspan="2"></td>
<td colspan="2"></td>
<td colspan="2"></td>
</tr>
<tr class="odd">
<td colspan="2"></td>
<td></td>
<td></td>
<td></td>
<td colspan="3"><strong>Bytes</strong></td>
<td></td>
<td colspan="2"></td>
<td colspan="2"></td>
<td colspan="2"></td>
<td colspan="2"></td>
</tr>
<tr class="even">
<td colspan="5"><strong>Element Label</strong></td>
<td><strong>Starting</strong></td>
<td><strong>Ending</strong></td>
<td><strong>Length</strong></td>
<td><strong>Type*</strong></td>
<td colspan="8"><strong>Comments, Values, Keys, Etc.</strong></td>
</tr>
<tr class="odd">
<td colspan="5">15. Applicant Sex</td>
<td>43</td>
<td>43</td>
<td>1</td>
<td>AN</td>
<td colspan="8"></td>
</tr>
<tr class="even">
<td colspan="5">16. Co-Applicant Sex</td>
<td>44</td>
<td>44</td>
<td>1</td>
<td>AN</td>
<td colspan="8"></td>
</tr>
<tr class="odd">
<td colspan="5">17. Applicant Income</td>
<td>45</td>
<td>48</td>
<td>4</td>
<td>AN</td>
<td colspan="8"></td>
</tr>
<tr class="even">
<td colspan="5">18. Type of Purchaser</td>
<td>49</td>
<td>49</td>
<td>1</td>
<td>AN</td>
<td colspan="8"></td>
</tr>
<tr class="odd">
<td colspan="5">19. Denial Reason 1</td>
<td>50</td>
<td>50</td>
<td>1</td>
<td>AN</td>
<td colspan="8"></td>
</tr>
<tr class="even">
<td colspan="5">20. Denial Reason 2</td>
<td>51</td>
<td>51</td>
<td>1</td>
<td>AN</td>
<td colspan="8"></td>
</tr>
<tr class="odd">
<td colspan="5">21. Denial Reason 3</td>
<td>52</td>
<td>52</td>
<td>1</td>
<td>AN</td>
<td colspan="8"></td>
</tr>
<tr class="even">
<td colspan="5">22. Edit Status</td>
<td>53</td>
<td>53</td>
<td>1</td>
<td>AN</td>
<td colspan="8">blank = record has no edit failures 5=Validity edit
failure(s) 6=Quality edit failure(s) 7=Validity and Quality edit
failures</td>
</tr>
<tr class="odd">
<td colspan="5">23. Sequence Number</td>
<td>54</td>
<td>60</td>
<td>7</td>
<td>N</td>
<td colspan="8">A one up number assigned within a reporter, to make each
record unique.</td>
</tr>
<tr class="even">
<td colspan="17"><p><strong>Note: The Respondent ID and Agency Code are
the unique identifier for a reporter.</strong></p>
<p><strong>The Respondent ID, Agency Code, and Sequence Number
combination make a unique record identifier.</strong></p></td>
</tr>
</tbody>
</table>

  ----------- --- --- ------- -------- ------ ------ ----- ------- ---- ------ ------
  **File                                                   Page    3    of     3
  Content**                                                                    
  Division of                                                                  
  IT                                                                           

                                                                               

                                                                               
  ----------- --- --- ------- -------- ------ ------ ----- ------- ---- ------ ------

Sort Order: Asof Date - unique for each tape

1\. Agency Code

2\. Respondent ID

3\. MSA of Property

4\. State Code

5\. County Code

6\. Census Tract Number

7\. Type of Action Taken

8\. Type of Loan

9\. Purpose of Loan

<table style="width:100%;">
<colgroup>
<col style="width: 6%" />
<col style="width: 5%" />
<col style="width: 5%" />
<col style="width: 10%" />
<col style="width: 11%" />
<col style="width: 9%" />
<col style="width: 9%" />
<col style="width: 7%" />
<col style="width: 9%" />
<col style="width: 6%" />
<col style="width: 9%" />
<col style="width: 8%" />
</colgroup>
<tbody>
<tr class="odd">
<td colspan="8"><strong>File Content</strong> Division of IT</td>
<td>Page</td>
<td>1</td>
<td>of</td>
<td>2</td>
</tr>
<tr class="even">
<td colspan="12"></td>
</tr>
<tr class="odd">
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
</tr>
<tr class="even">
<td colspan="5"><strong>System Title and Acronym:</strong></td>
<td colspan="7">HMDA: Home Mortgage Disclosure Act</td>
</tr>
<tr class="odd">
<td colspan="4"><strong>Descriptive File Name:</strong></td>
<td></td>
<td colspan="7">1999 - 2002 TS Public Tape</td>
</tr>
<tr class="even">
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
</tr>
<tr class="odd">
<td colspan="3"><strong>DSName(s):</strong></td>
<td></td>
<td></td>
<td colspan="7">Non-Labelled</td>
</tr>
<tr class="even">
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
</tr>
<tr class="odd">
<td colspan="5"><strong>Record Format: Length</strong></td>
<td colspan="7">133</td>
</tr>
<tr class="even">
<td></td>
<td></td>
<td></td>
<td colspan="2"><strong>Type</strong></td>
<td colspan="7">FB</td>
</tr>
<tr class="odd">
<td></td>
<td></td>
<td></td>
<td colspan="2"><strong>Block Size</strong></td>
<td colspan="7">26600</td>
</tr>
<tr class="even">
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
</tr>
<tr class="odd">
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
</tr>
<tr class="even">
<td></td>
<td></td>
<td></td>
<td></td>
<td colspan="3"><strong>Bytes</strong></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
</tr>
<tr class="odd">
<td colspan="4"><strong>Element Label</strong></td>
<td><strong>Starting</strong></td>
<td><strong>Ending</strong></td>
<td><strong>Length</strong></td>
<td><strong>Type*</strong></td>
<td colspan="4"><strong>Comments, Values, Keys, Etc.</strong></td>
</tr>
<tr class="even">
<td colspan="4">1. Asof Date</td>
<td>1</td>
<td>4</td>
<td>4</td>
<td>N</td>
<td colspan="4">ccyy</td>
</tr>
<tr class="odd">
<td colspan="4">2. Agency Code</td>
<td>5</td>
<td>5</td>
<td>1</td>
<td>AN</td>
<td colspan="4"><p>1=OCC, 2=FRS, 3=FDIC, 4=OTS, 5=NCUA, 7=HUD</p>
<p>B,C,D,E or X=State Exempts</p>
<p>(FRS, FDIC, OTS, NCUA or</p>
<p>unidentified, respectively)</p></td>
</tr>
<tr class="even">
<td colspan="4">3. Respondent ID</td>
<td>6</td>
<td>15</td>
<td>10</td>
<td>AN</td>
<td colspan="4"></td>
</tr>
<tr class="odd">
<td colspan="4">4. Resp Mail Name</td>
<td>16</td>
<td>45</td>
<td>30</td>
<td>AN</td>
<td colspan="4"></td>
</tr>
<tr class="even">
<td colspan="4">5. Resp Mail Address</td>
<td>46</td>
<td>85</td>
<td>40</td>
<td>AN</td>
<td colspan="4"></td>
</tr>
<tr class="odd">
<td colspan="4">6. Resp Mail City</td>
<td>86</td>
<td>110</td>
<td>25</td>
<td>AN</td>
<td colspan="4"></td>
</tr>
<tr class="even">
<td colspan="4">7. Resp Mail State</td>
<td>111</td>
<td>112</td>
<td>2</td>
<td>AN</td>
<td colspan="4"></td>
</tr>
<tr class="odd">
<td colspan="4">8. Resp Mail Zip</td>
<td>113</td>
<td>122</td>
<td>10</td>
<td>AN</td>
<td colspan="4"></td>
</tr>
<tr class="even">
<td colspan="4">9. Edit Status</td>
<td>123</td>
<td>123</td>
<td>1</td>
<td>AN</td>
<td colspan="4">blank = record has no edit failures 5=Validity edit
failure(s) 6=Quality edit failure(s) 7=Validity and Quality edit
failures</td>
</tr>
<tr class="odd">
<td colspan="12"></td>
</tr>
<tr class="even">
<td colspan="12"></td>
</tr>
</tbody>
</table>

  ------------- --- --- ------- -------------- ------------ ------------ ------------ ------------- ---- ------ ------
  **File                                                                              Page          2    of     2
  Content**                                                                                                     
  Division of                                                                                                   
  IT                                                                                                            

                                                                                                                

                                                                                                                

  **System                                     HMDA: Home                                                       
  Title and                                    Mortgage                                                         
  Acronym:**                                   Disclosure                                                       
                                               Act                                                              

                                                                                                                

                                **Bytes**                                                                       

  **Element                     **Starting**   **Ending**   **Length**   **Type\***   **Comments,               
  Label**                                                                             Values, Keys,             
                                                                                      Etc.**                    

  10\. Tax ID                   124            133          10           AN           nn-nnnnnnn                

  **Note: The                                                                                                   
  Agency Code                                                                                                   
  and                                                                                                           
  Respondent ID                                                                                                 
  are the                                                                                                       
  unique                                                                                                        
  identifier                                                                                                    
  for a                                                                                                         
  reporter.**                                                                                                   
  ------------- --- --- ------- -------------- ------------ ------------ ------------ ------------- ---- ------ ------