FFIEC
Est. 1979
Federal Financial Institutions Examination Council
Coordinates HMDA data. Source of mortgage denial rates and racial disparity analysis.
Parent
Interagency body (Fed, OCC, FDIC, NCUA, CFPB, State Liaison Committee)
Jurisdiction
Coordinates examination standards and data collection across all federal banking regulators
Headline
HMDA mortgage denial rates · Racial disparity analysis · 217 institutions
What the FFIEC is
The FFIEC is not a regulator — it does not issue enforcement actions or supervise individual institutions. It is an interagency coordinating body that establishes uniform examination principles and standards, and coordinates the collection and publication of data used by all federal banking regulators. Its most significant public data contribution is the HMDA (Home Mortgage Disclosure Act) database — the annual record of mortgage applications, approvals, denials, and withdrawal by applicant demographics at every regulated lender.
What the FFIEC does
- Coordinates uniform examination procedures across the Federal Reserve, OCC, FDIC, NCUA, and CFPB
- Manages the HMDA data collection and publication process annually
- Publishes the HMDA loan-level dataset containing application outcomes by applicant race, ethnicity, sex, and income
- Operates the HMDA data browser at ffiec.cfpb.gov for public access
- Coordinates interagency guidance on fair lending, BSA/AML, and cybersecurity
Why ComplaintRate uses FFIEC data
HMDA data is the only public federal dataset that enables analysis of racial disparities in mortgage lending at the institution level. ComplaintRate processes the FFIEC HMDA dataset to compute denial rate ratios — comparing denial rates for Black applicants against white applicants at the same institution in the same year. Institutions where Black applicants face denial rates 2x or more above white applicants are flagged. This analysis covers 217 institutions with statistically meaningful sample sizes (100+ applications).
What FFIEC data means for you
If you have ever applied for a mortgage and been denied, that denial was reported to the FFIEC under HMDA — including your race, ethnicity, income, and the reason for denial. This data is public. The HMDA racial disparity figures on ComplaintRate show whether the lender you are considering has a pattern of disproportionate denial for minority applicants. McLean Mortgage Corporation's 12.43x disparity and Santander Bank's 4.29x disparity are derived entirely from FFIEC public data.
FFIEC fields in ComplaintRate database
hmda_denial_ratehmda_denial_rate_blackhmda_denial_rate_whitehmda_racial_disparityhmda_total_applicationshmda_data_yearOther data sources
ComplaintRate.com is an independent data publisher and is not affiliated with, endorsed by, or sponsored by any U.S. federal agency. Data sourced from publicly available government databases.