FFIEC
Est. 1979
Federal Financial Institutions Examination Council
Coordinates HMDA data. Source of overall mortgage denial rates.
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
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 is the public federal record of mortgage application outcomes at the institution level. ComplaintRate processes the FFIEC HMDA dataset to report overall mortgage application denial rates per institution. Per-race denial rates and racial disparity ratios are not currently reported pending independent verification of per-race application data.
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. This data is public. ComplaintRate reports overall mortgage application denial rates per institution from FFIEC HMDA data; per-race denial rates and racial disparity ratios are not currently reported pending independent verification of per-race application data.
FFIEC fields in ComplaintRate database
hmda_denial_ratehmda_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.