Add FFIEC income data to every address on your list.
In one request.

What Is FFIEC Data?

The Federal Financial Institutions Examination Council (FFIEC) publishes census, income, and geographic data each year to support Home Mortgage Disclosure Act (HMDA) and Community Reinvestment Act (CRA) reporting. Banks, credit unions, and mortgage lenders use this data to show regulators where they lend and who they serve.

The most widely used field is the tract income level indicator. It compares each Census tract's median family income to the median family income of its surrounding metro area (MSA/MD) and assigns one of four categories:

• Low: below 50 percent of the area median family income

• Moderate: 50 percent to less than 80 percent

• Middle: 80 percent to less than 120 percent

• Upper: 120 percent or more

These categories come straight from the FFIEC's data dictionary. Low- and moderate-income (LMI) tracts are the focus of most CRA lending analysis.

How Banks and Credit Unions Use FFIEC Data

Financial institutions rely on FFIEC data across several compliance workflows:

• HMDA reporting: Match each covered loan application to its county and Census tract for the Loan Application Register (LAR).

• CRA exams: Measure lending activity in low- and moderate-income tracts across assessment areas.

• Fair lending analysis: Review lending patterns by tract income level to identify potential redlining risk.

• Community development: Confirm whether a tract meets the FFIEC's distressed or underserved criteria.

Built Around Filing Deadlines

Most of this work runs on a fixed calendar. Annual HMDA data and CRA loan data are due March 1 for the prior calendar year.

Institutions with 60,000 or more applications and covered loans also file quarterly, within 60 calendar days after each of the first three quarters. Many compliance teams scrub and geocode their LAR monthly to keep those windows manageable.

Each filing means matching a full period of loan activity to the right county, tract, and income level. The FFIEC's own geocoding system handles one address at a time, and the FFIEC notes that it does not offer batch functionality.

With Geocodio, you can match an entire filing period at once or enrich each application as it comes in. Upload files up to 1 GB each, send API batches of 10,000 addresses in parallel, or process full loan files programmatically with the Lists API.

Add FIPS Codes in the Same Request

HMDA filings need the 5-digit county FIPS code and 11-digit Census tract for each property. Select "US Census Identifiers" alongside the FFIEC append and Geocodio returns both in the same request.

The Census append includes state and county FIPS, tract and block codes, pre-concatenated 11-digit and 15-digit FIPS codes, and MSA/CSA codes. See the Complete Guide to FIPS Codes for how each code is structured.

Choose the Census Year That Matches Your Filing

Census tract boundaries change over time, and your codes need to match the boundaries in effect for your reporting year. Geocodio provides Census boundaries for every year back to 2010, plus 2000, and you select the year when you upload a spreadsheet or call the API.

One detail worth knowing: the FFIEC's flat file year rarely matches the Census boundary year. The 2025 FFIEC data release uses 2024 Census boundaries, so check the FFIEC data guide when matching historical data.

How to Append FFIEC Data to Your Addresses

Geocodio accepts addresses as a single field or split across columns, and coordinates work too. Reverse geocoding returns the same FFIEC fields for any latitude and longitude pair.

Spreadsheet Upload

Upload a CSV, TSV, or Excel file of addresses or coordinates, up to 1 GB per file. Select "FFIEC CRA/HMDA Data" in Step 3, add "US Census Identifiers" if you need FIPS codes, choose your Census year, and download the results.

API

Add ffiec to the fields parameter on any geocoding request. Single lookups return in milliseconds, so you can enrich each application at intake inside your loan origination system rather than backfilling before a deadline.

For files, the batch endpoint processes up to 10,000 addresses per request, and batches can run in parallel. The Lists API handles full loan files programmatically: upload a file, poll for status, and download the results when processing finishes.

Client libraries are available for languages including Python, R, Ruby, PHP, and Node.js, along with a command line tool.

Plans for Banks and Credit Unions

Compliance teams tend to know their annual loan volume, so Geocodio's enterprise plans are built around predictable annual costs. Each address uses 1 credit to geocode plus 1 credit per data append, so appending FFIEC data to 100,000 addresses uses 200,000 credits.

Enterprise Flex

Starts at $5,000 per year and includes 500,000 credits that roll over while your subscription is active. All data appends are included, and top-up credits are available if your volume grows.

Enterprise Unlimited

A flat-rate plan with dedicated infrastructure for institutions geocoding millions of addresses per month. $3,250 per month or $38,000 per year, with unlimited users and no per-lookup charges.

On-Premises

Run the Geocodio geocoding and data enrichment APIs inside your own network. Your addresses never leave your infrastructure, which removes a third-party subprocessor from the geocoding step.

See the enterprise pricing page for full plan details, or book a call to talk through your volume.

Security Built for Vendor Review

Geocodio is SOC 2 Type II audited with annual third-party penetration testing. Enterprise customers can receive copies of both reports for their vendor review.

• SAML SSO included on enterprise plans

• All data encrypted in transit and at rest

• IP address limiting for API keys

• Spreadsheet uploads deleted automatically after 72 hours

• API requests pass through without being stored

• Data stays on US infrastructure

Add-on SLAs and custom contracts are available for organizations with specific uptime or procurement requirements. Read more on the security page.