Thread Options
|
Tools
|
#64565 - 02/28/03 04:24 PM
Re: Geocoding: Legal address
|
Diamond Poster
Joined: Sep 2002
Posts: 1,117
On the road...
|
Do you know the city, state and zip code? Go to the FFIEC's website and select geocoding. Type in "main" for the street address, enter the city, state and zip code then search. It will come back address not found BUT it will give you the option to get a map of the zip code area.
This might help!
_________________________
Michelle CRCM
"What would you attempt to do if you knew you could not fail?" ~ unknown
|
Return to Top
|
|
|
|
#64568 - 02/28/03 04:37 PM
Re: Geocoding: Legal address
|
Platinum Poster
Joined: Feb 2003
Posts: 874
Big Sky Country
|
I agree with Michelle's advise, but I'll give you another resource. While FFIEC's site is pretty good, the maps can be sometimes be rather, well, lacking. The detail sometimes stinks. Here's a site from American Fact Finder, through the US Census Bureau. It is pretty quick and accurate. Just keep clicking into the area you need to zoom into. Odds are, if your property is "in nowhere land", there won't be a census tract boundary running flat down the middle of it, so as long as you get pretty close, the census tract will be easy to determine. You may have to contact the customer to find out some info on the property location (i.e. just SW of Littleville, between Dirtdigger Lane and Deadman's Ave.) http://factfinder.census.gov/servlet/AdvancedGeoSearchMapFramesetServlet?_lang=en&_command=getPlacenamesAlso, on FFIEC's site, there is a "FFIEC census reports" link at the bottom of this page. http://www.ffiec.gov/geocode/default.htmIf you click in it, you can at least find the state and county codes to go with your census tract code from American Fact Finder. Granted, with this method you have to do a bit of on-line searching, but in my book, at least you still have your cushy chair, background music, etc., and no dusty plat books! Good luck!
_________________________
Me, Type A? Maybe - I'm not done analyzing it yet.
|
Return to Top
|
|
|
|
#64570 - 02/28/03 04:46 PM
Re: Geocoding: Legal address
|
10K Club
Joined: Oct 2000
Posts: 27,748
On the Net
|
To find general areas, I have used this successfully a number of times, when in a pinch. It is good when you know where, but 911 addresses are hard to come by. http://plue.sedac.ciesin.org/plue/ddviewer/
_________________________
AndyZ CRCM My opinions are not necessarily my employers. R+R-R=R+R Rules and Regs minus Relationships equals Resentment and Rebellion. John Maxwell
|
Return to Top
|
|
|
|
#64571 - 02/28/03 05:07 PM
Re: Geocoding: Legal address
|
Platinum Poster
Joined: Jul 2002
Posts: 689
Home of the 8 time NCAA Champ ...
|
Although not a perfect solution, I've found that the maps on http://www.census.gov/geo/www/maps/CP_MapProducts.htmhelp me to find "where" a tract is, but I generally have to quiz the lender to find out "where" (in relation to other locations that I can locate on the map) in order to make the maps work for me. Luckily for me our lenders are expected to know the "where" and they are cooperative in helping me "play Sherlock Holmes".
_________________________
Kentucky basketball isn't a matter of life and death, it's much more important than that.
|
Return to Top
|
|
|
|
#64572 - 02/28/03 06:26 PM
Re: Geocoding: Legal address
|
Power Poster
Joined: May 2001
Posts: 4,599
|
Hmdagal, Here is what I have: The SE1/4 of the SE1/4 of Section 34, Township 17 North, Range 4 East, Town of Germantown, Juneau County, Wisconsin, lying South of County Trunk Highway "G", except lands used for Petras Lane. Thanks for all the help everyone! Maybe I won't have to spend the afternoon at the library!
|
Return to Top
|
|
|
|
#64573 - 02/28/03 06:54 PM
Re: Geocoding: Legal address
|
Diamond Poster
Joined: Aug 2001
Posts: 1,033
Marysville, Ca.
|
Jennifer,
If you only have a lot, you may need to use the business address. In my area that is usually the house. Ag is usually like that. BIG Ag area.
_________________________
Tina A Sweet-Williams AVP Special Assets mailto:tsweet@goldcountrynb.com
|
Return to Top
|
|
|
|
#64575 - 02/28/03 07:08 PM
Re: Geocoding: Legal address
|
Power Poster
Joined: Jul 2001
Posts: 3,708
Las Vegas Nevada
|
If it is East of 19th ave (I believe it is) The tract is 9903.00. If its West it 9904.00
I'm e-mailig you a map
_________________________
Compliance Analysis and Research - Software for your CRA/HMDA analysis needs
|
Return to Top
|
|
|
|
#64576 - 02/28/03 07:14 PM
Re: Geocoding: Legal address
|
Power Poster
Joined: Jul 2001
Posts: 3,708
Las Vegas Nevada
|
OOps Need you e-mail address. Its not on your profile
_________________________
Compliance Analysis and Research - Software for your CRA/HMDA analysis needs
|
Return to Top
|
|
|
|
#64577 - 02/28/03 07:15 PM
Re: Geocoding: Legal address
|
Platinum Poster
Joined: Mar 2001
Posts: 591
the beautiful state of ME
|
Was there an appraisal? Our appraisers put the geo code on one of the first pages of the appraisal - where there is lots of information in teeny, tiny type. Is the county in your assessment area? I had an OCC examiner tell me I didn't need to geo code loans made out of our assessment area because they weren't going to count them anyway. Now, for out of area loans, I don't bother unless I can easily find it.
Opinions are mine and mine alone.
_________________________
The paradox of planning is nothing happens....
|
Return to Top
|
|
|
|
#64579 - 02/28/03 09:17 PM
Re: Geocoding: Legal address
|
Platinum Poster
Joined: Apr 2002
Posts: 597
|
Hey R.G.! Love your picture! Go cats!
_________________________
"If you only laugh and enjoy life when your problems are all solved, you'll never enjoy life."
|
Return to Top
|
|
|
|
#64580 - 02/28/03 09:19 PM
Re: Geocoding: Legal address
|
10K Club
Joined: Jul 2001
Posts: 83,226
Galveston, TX
|
Just curoius - If the LO has not seen the property, how does he know that the bank isn't in line to own a toxic waste dump? I hope there is other collateral or the borrower has other strengths. Lending on property sight unseen is not a sound lending practice. Depending on the value of the transaction, the appraisal rules are not limited to improved real property either.
I'm with you, most good credit officers would know the collateral's whereabouts.
_________________________
The opinions expressed here should not be construed to be those of my employer: PPDocs.com
|
Return to Top
|
|
|
|
#64582 - 03/01/03 12:02 AM
Re: Geocoding: Legal address
|
Gold Star
Joined: May 2001
Posts: 494
PA
|
Quote:
Just curoius - If the LO has not seen the property, how does he know that the bank isn't in line to own a toxic waste dump? I hope there is other collateral or the borrower has other strengths. Lending on property sight unseen is not a sound lending practice. Depending on the value of the transaction, the appraisal rules are not limited to improved real property either.
I'm with you, most good credit officers would know the collateral's whereabouts.
Thanks for bringing that up. I was thinking CERCLA/SARA, too, but I'm strange that way.
|
Return to Top
|
|
|
|
#64583 - 03/01/03 01:20 AM
Re: Geocoding: Legal address
|
Power Poster
Joined: Aug 2002
Posts: 7,353
Anchorage Alaska
|
Just a thought (too late to be thinking) the loan was on raw land? That wouldn't be reported as a commercial and industrial loan right? (Call report instructions: Exclude from commercial and industrial loans: (1) Loans secrued by real estate, even if for commercial and industrial purposes (report in Schedule RC-C, part 1, item 1). ????
_________________________
Dawn Coursey VP/CRA Queen
CRA Rating is in...Oh who cares...I'm home with the baby.
|
Return to Top
|
|
|
|
#64584 - 03/01/03 01:38 AM
Re: Geocoding: Legal address
|
Power Poster
Joined: Apr 2001
Posts: 4,828
Between the lines
|
Sue,
In regard to "I had an OCC examiner tell me I didn't need to geo code loans made out of our assessment area because they weren't going to count them anyway. Now, for out of area loans, I don't bother unless I can easily find it." Are you a Large Bank for HMDA?
_________________________
NOLA is my Beach!
|
Return to Top
|
|
|
|
#64586 - 03/01/03 03:59 AM
Re: Geocoding: Legal address
|
Power Poster
Joined: Apr 2001
Posts: 4,828
Between the lines
|
Andy, that is exactly what I was thinking. You know, I hope there is life after HMDA. I'm going home. I bet you are at home, playing with those kewl toys, right.
_________________________
NOLA is my Beach!
|
Return to Top
|
|
|
|
#64588 - 03/01/03 09:54 PM
Re: Geocoding: Legal address
|
Power Poster
Joined: Aug 2002
Posts: 7,353
Anchorage Alaska
|
For the large bank folks, I geocode everything. If you can show that you're more than meeting the needs of your assessment area you can get "extra" credit for meeting the needs of low and moderate income deals outside of your assessment area as well on the lending and service test. The Rural Native Distressed Communities Program I get so many nifty awards for is entirely OUTSIDE of my assessment area. Because the needs are so high and the level of service provided in these areas is low to nothing, I can swing from Satisfactory to Outstanding on these deals. So...I geocode everything You never know what you might find out you're doing!
_________________________
Dawn Coursey VP/CRA Queen
CRA Rating is in...Oh who cares...I'm home with the baby.
|
Return to Top
|
|
|
|
|
|