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#2160321 - 01/12/18 04:21 PM County and Census Tract
George Offline
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Registered: 04/22/16
Posts: 359
I don't know if anybody has run into this problem, but what do we do if an address does not return any matches in the US Census system in regards to the County Code and Census Tract #?

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#2160340 - 01/12/18 05:02 PM Re: County and Census Tract [Re: George]
rlcarey Offline
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Registered: 07/16/01
Posts: 68579
Loc: Galveston, TX
Pull out a map.
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#2160356 - 01/12/18 06:22 PM Re: County and Census Tract [Re: George]
LaLendingLady Offline
Junior Member

Registered: 04/21/14
Posts: 35
I pull the address on a google map or use the map provided in the appraisal, locate that same position on the FFIEC map and pinpoint it. I retain a copy of the google map or map provided in the appraisal in the loan file to support the data I'm reporting.

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#2160363 - 01/12/18 06:49 PM Re: County and Census Tract [Re: George]
swiggles Offline
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Registered: 08/14/01
Posts: 7158
Ditto with Randy and LaLendingLady. Sometimes Googlemaps finds it where the other site does not.
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#2160409 - 01/12/18 09:30 PM Re: County and Census Tract [Re: George]
George Offline
Gold Star

Registered: 04/22/16
Posts: 359
Just so we are on the same page, we are talking about the new 5 and 11 digit code, right?

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#2160800 - 01/17/18 08:57 PM Re: County and Census Tract [Re: George]
George Offline
Gold Star

Registered: 04/22/16
Posts: 359
I just wanted to follow up on this one, as I had another property that wouldn't pull up in the Census Bureau website.

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#2162807 - 02/01/18 09:06 PM Re: County and Census Tract [Re: George]
Cats Meow Offline
New Poster

Registered: 01/05/17
Posts: 5
Has anyone yet addressed where we get the new 5 digit county code and the 11 digit census tract number? I am not able to find those anywhere.

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#2162828 - 02/01/18 10:33 PM Re: County and Census Tract [Re: George]
cgorham Offline
100 Club

Registered: 09/21/15
Posts: 120
Still https://geomap.ffiec.gov/FFIECGeocMap/GeocodeMap1.aspx

I believe the 5 digit is a combo of the state and county codes and the 11 digit is a combo of the msa and census tract codes.

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#2162926 - 02/02/18 05:04 PM Re: County and Census Tract [Re: George]
LaLendingLady Offline
Junior Member

Registered: 04/21/14
Posts: 35
The county code is the 2-digit state + 3-digit county
The census tract code is the 2-digit state + 3-digit county + 6-digit tract excluding decimals

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#2162957 - 02/02/18 06:04 PM Re: County and Census Tract [Re: George]
cgorham Offline
100 Club

Registered: 09/21/15
Posts: 120
LaLendingLady is correct.
Seems odd that they added the 5 digits to the census tract when we report those same 5 digits for the county.

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#2203140 - Yesterday at 05:50 PM Re: County and Census Tract [Re: George]
Compliance NABW Offline
Diamond Poster

Registered: 10/22/15
Posts: 1141
So, consensus is that for the Census Tract Data Field, you would report the 11 digit code that contains the 2 digit State code, followed by the 3 digit County Code, followed by the 6 digit Census Tract output?

2 + 3 + 6 = 11.

This seems to be what the FIG calls for, though it is not so clear in the explanation, but rather in the "Edits" section.


Edited by Compliance NABW (Yesterday at 05:52 PM)

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#2203168 - Yesterday at 07:50 PM Re: County and Census Tract [Re: George]
Adam Witmer Offline
Diamond Poster

Registered: 09/21/10
Posts: 1538
I agree that there really isn't a good explanation for this, but here is my understanding:

The census tract code from the census bureau is actually an eleven digit number (which starts with the state and county code) and can be found here: https://geocoding.geo.census.gov/geocoder/geographies/address?form (you have to scroll down in the results to see the census tract "GEOID").

Also, it appears the new format for county and census tract align with the Federal Information Processing Standards (FIPS) which is referenced in the commentary and FIG for the county code. The FIPS incorporates the state code into each of the numbers.
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#2203215 - Yesterday at 09:47 PM Re: County and Census Tract [Re: George]
David Dickinson Offline
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Registered: 11/28/00
Posts: 18018
Loc: Central City, NE
Didn't the CFPB say they were going to be releasing a Geo-Coding tool that would have a safe harbor if the address was entered correctly? I recall this being stated in early 2018, but have never seen their tool.
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