The FFIEC Geocoding System allows you to retrieve Metropolitan Statistical Area (MSA), State, County, and Census Tract codes for street addresses. Beginning with 2004, Metropolitan Area was changed to a 5-digit Metropolitan Statistical Area/Metropolitan Division (MSA/MD) number.
It is primarily intended to assist financial institutions covered by the Home Mortgage Disclosure Act (HMDA) and Community Reinvestment Act (CRA) to meet their reporting obligation. However, the system is also useful for obtaining demographic information (mainly population and income data). This demographic data can be accessed by clicking the "Census Data" drop down menus located on the right hand side of the map screen.
This System requires you enter a street address with a city and state OR zip code. Enter the street address as a single line, i.e., 1600 Pennsylvania Ave, Washington, DC 20500 or 1600 Pennsylvania Ave, 20500. The entire street address does not need to be entered, however, a comma (,) must follow the street address to render accurate results. If the System is able to match the address, the matched address will be shown on the left side of the screen in the "Matched Address" section.
Make sure that your address is accurate. If it is a street, do not enter it as an avenue or boulevard, etc. Do not include apartment numbers with the street number and address. Include the correct city and state and/or zip code for the street address. The System does not geocode P.O. Boxes or Rural Routes.
Once you have entered the address information in the appropriate boxes, click on the 'Search' button or hit the enter key to obtain the geocode information.
It is possible that a provided street address will not be found and consequently no geocode information will be returned. While this should not occur frequently, it may happen occasionally because the street address database that the FFIEC Geocoding system uses to map street addresses is current only to the date at which the data was last updated, and street addresses added after that date will not be located. Even after the next update is received, it is still possible for an address to not be included in the database and geocode information still will not be found.
If a street address is not found, the map will center the best guess location for the entered address. The checkbox labeled "User Select Tract" will now be selected, and clicking inside the map will now allow you to manually select the census tract inside which the street address lies. The results will display in the "Selected Tract" portion of the left hand section of the map screen, and a blue dot will be shown at the location you selected. To get demographic information for the selected tract, use the "Census Data" drop down menu located about halfway down on right hand side of the map screen. In addition, there are census tract maps and other tools available from the U.S. Census Bureau.
The information provided by this system is for the reporting of 2015, 2016, and 2017 CRA and HMDA data. Geocoding information for 2015 and 2016 is based on the 2010 Census. Geocoding information for 2017 is based on the 2015 Census. It is critical that you select the correct activity year when using the FFIEC Geocoding System.
If you are geocoding for a year other than 2015, 2016, or 2017, the information may not be valid. The state and county codes can change when a new state or county is created, and census tract codes are only adjusted every ten years in conjunction with the decennial Census. However, MSA and MetroDiv boundaries are adjusted annually. These boundary adjustments are determined by the Office of Management and Budget (OMB) and are usually published in June. The new MSA, MetroDiv and county information is used in CRA and HMDA reporting beginning the January after the June announcement by OMB. Although annual modifications are usually minor, it is important to understand that these modifications will affect the validity of your data.
In June 2003, the Office of Management and Budget (OMB) established revised definitions for existing Metropolitan Statistical Areas, recognized 49 new Metropolitan Statistical Areas, and designated Metropolitan Divisions in those Metropolitan Statistical Areas that have a single core with a population of at least 2.5 million. There are 11 Metropolitan Statistical Areas (Boston, Chicago, Dallas, Detroit, Los Angeles, Miami, New York, Philadelphia, San Francisco, Seattle, and Washington) that have a total of 29 Metropolitan Divisions. In these cases, the 5-digit Metropolitan Division number is used. Beginning January 1, 2004 the Metropolitan Division number appears as the MSA/MD code in the Geocoding Search Results instead of the Metropolitan Statistical Area number for the larger populated area.
Effective for 2005 data, a Distressed/Underserved column indicator was added to the system. A 'Yes' in this column indicates that the tract is designated as Nonmetropolitan Middle-Income Distressed or Underserved geography based on criteria designated by federal banking and thrift regulators.
In December 2006, the Office of Management and Budget (OMB) updated statistical areas to include changes in principal cities and in area titles. The list of changes is provided below:
In November 2007, the Office of Management and Budget (OMB) updated statistical areas to include changes in principal cities and in area titles. The change is provided below:
In November 2008, the Office of Management and Budget (OMB) updated statistical areas to include changes in principal cities and in area titles. The changes are provided below:
In December 2009, the Office of Management and Budget (OMB) updated statistical areas to include changes in principal cities and in area titles. The changes are provided below:
Effective for 2010 data, one county was deleted and two new counties were added:
The Office of Management and Budget did not publish any MSA or MetroDiv changes, effective for 2011 data, however three new counties were added and two counties were deleted:
The Office of Management and Budget did not publish any MSA or MetroDiv changes, effective for 2012 data, however several new census tracts were added and/or revised based on the 2010 Census Decennial published by the U.S. Census Bureau.
The FFIEC released, in June 2012, census demographic data using 2006-2010 American Community Survey (ACS) and Census 2010 SF1-based data.
The Office of Management and Budget (OMB) revised the delineations of Metropolitan Statistical Areas (MSAs) that were released in February 2013. The OMB revised definitions do not affect HMDA data collected in 2013. This is consistent with Appendix A §I.C.1 of the HMDA regulations, which indicates that institutions should use the MSA boundaries in effect as of January 1 of the calendar year for which they are reporting. The new MSA definitions will apply to HMDA data collected on or after January 1, 2014.
The Office of Management and Budget did not publish any MSA or MetroDiv changes, effective for 2015 data, however some county and census tracts were added and/or revised as published by the U.S. Census Bureau.
The 2017 FFIEC Census File will contain the following corrections to census tract numbering that were previously announced by the US Census Bureau for the 2011 and 2012 American Community Survey.
Madison County, New York
Oneida County, New York
Richmond County, New York
Pima County, Arizona
Los Angeles County, California
Please see the OMB Bulletins for more information.