Note: FFIEC Data is currently in public beta as we are actively soliciting feedback on which datapoints we should return. There are over 1,200 data points per Census tract in the FFIEC's dataset, and we aim to provide the most commonly-used datapoints. Therefore, column names and data included may change in the future. If you have feedback about this feature, please reach out to us at hello@geocod.io.
The FFIEC field append allows you to get key data points, commonly used by financial institutions, lenders, and organizations that need to comply with fair lending regulations like Regulation C (HMDA), FHA, and CRA. The data returned is for the 2024 data release. (The 2025 data will not be available until later this year.)
Geocodio can return these data points for any US address or latitude/longitude point. You can upload a spreadsheet of addresses or coordinates, or use the API.
To get that information, just select "FFIEC CRA/HMDA Data" in Step 3 of the upload process, or add ffiec to the fields parameter in your API call.
Note: For Equal Credit Opportunity Act (ECOA) compliance, please use our ACS: Demographics. This data append will add pre-calculated demographic percentages at the Census Block Group level.
| Name | Example |
|---|---|
| HMDA/CRA collection year | 2024 |
| MSA/MD Code | 42644 |
| FIPS state code | 53 |
| FIPS county code | 33 |
| Census tract | 10502 |
| Principal city? | Yes |
| Small county code | T |
| Small county description | Tract record |
| Split tract code | N |
| Split tract description | Tract number occurs within one MA |
| Demographic data code | D |
| Demographic data description | Total persons/population and median family income are not 0 |
| Urban/rural code | U |
| Urban/rural description | Urban |
| MSA/MD median family income | 123939 |
| MSA/MD median household income | 99158 |
| Tract median family income as a percentage of the MSA/MD median family income | 104.19 |
| FFIEC Estimated MSA/MD median family income | 158700 |
| Income indicator | Moderate |
| CRA poverty criteria? | No |
| CRA unemployment criteria? | No |
| CRA distressed criteria? | No |
| CRA remote rural (low density) criteria? | No |
| Previous year CRA distressed criteria? | No |
| Previous year CRA underserved criterion? | No |
| Meets at least one of current or previous year's CRA distressed/underserved tract criteria? | No |
Requests are billed as geocode + ffiec info (i.e., two lookups). For example, if you have 100 addresses that you want FFIEC data for, that would count as 200 lookups.
This data append is included with Standard Unlimited and Enterprise plans. Pay-as-you-go customers can calculate how much this will cost you and how long it will take here.
Every year, the FFIEC releases flat files of their data. This data can be downloaded or used via their online geocoder.
Geocodio's FFIEC data append always uses the latest data release, which is currently the 2024 release that uses 2023 Census geographies. The 2025 flat file is expected to be released later this year.
If you wish to manually look up FFIEC data for an address or look up data for a previous FFIEC data release, you can use the Census tract returned from the Census data append.
It's important to check the FFIEC documentation to see which Census year they've used in creating that flat file. The flat file year rarely matches the Census tract year.
| FFIEC Flat File Year | Census Geographies Year | Documentation Link |
|---|---|---|
| 2024 | 2023 | Documentation |
| 2023 | 2020 | Documentation |
| 2022 | 2020 | Documentation |
| 2021 | 2020 | Documentation |
| 2020 | 2017 | Documentation |
| 2017-2019 | 2017 | Documentation |
Geocoding is not an exact science, and different geocoders can lead to different results. In rare cases, a point being placed in the street in front of a house, or behind an apartment building in an alley rather than on top of the building, can result in a different Census tract than point placed exactly on top of the house.
The FFIEC Geocoder was powered by the Census Bureau's TIGER/Line dataset until 2023. It now uses a composite of data sources.
The Census Bureau's own geocoder is at the "range interpolated" level of accuracy, rather than the individual house level. This means its highest level of accuracy is a point in front of the house on the street.
Geocodio uses thousands of data sets, primarily data gathered by local, city, county, and state governments. Most of Geocodio's results are at the parcel or rooftop level — i.e., the exact house, or a point in front of the house on the street — and we always return accuracy information with results. This information is not returned with the Census geocoder.
That means that there are cases where Geocodio will place an address differently than the FFIEC or Census geocoders, which in rare cases, can result in a different Census tract. (If the points are being placed in the same place, we encourage you to check the Census years.)
From our conversations with customers working with FFIEC compliance, it is common to use 2-3 different geocoders for analysis. We encourage you to analyze your results to determine whether they are suitable for your purposes.