CRA User Guide - Business Information Technologies, Inc.
Contents
1. 13 You must first click on the New button to access the form Complete all of the required information CTP CRA 2004 2006 will not save the information if there is any missing or invalid information in the record 14 The bank will need to add the assessment area in CRA The assessment area is required for submitting you CRA loan data Several of the reports have in out assessment area sections If an assessment area is added going to be added see Chapter III Revised January 2005 Business Information Technologies Inc CRA User Guide Page 6 of 41 Chapter III Explanation of Assessment Area The assessment area may be reported by census tract however it is permitted to report the assessment area at a summary level NA in the MSA MD represents an area outside of any metropolitan statistical area NA in the state county or tract fields represents the defined area state county or tract in its entirety For example the NA in the tract field represents all tracts for the MSA MD state county combination represented Below are the six combinations of how the assessment area can be reported Assume each of these examples is an individual assessment area The combinations reported in these examples represent MSA MD state county tract combinations gt 33460 NA NA NA The assessment area encompasses all census tracts in MSA MD 33460 gt 33460 27 NA NA The assessment area encompasses only the census tracts in MSA MD 334602. Batch Mode How to assign census tract codes to existing customer information files The ability to import existing customer information files and append census tract codes to each record is an important time saving feature of CTP CRA 2004 2006 You may import customer information files that have one of the following three formats 1 ASCII delimited with or without headers 2 DBF 3 SDF or Fixed Length More information about importing files with these formats 1s found below 1 Select Batch Mode and you will see the following Batch Mode screen Batch Mode x Select a file for processing Define address and header fields Select fields to be included in the output Load previously saved file setup Save current file setup 2 Select Open File and choose the appropriate file name on your floppy disk or browse the directory to select a file on your hard drive Select your file from the list in the window type the file name if it 15 not in the list or choose another directory and then select your file Only files with txt dat csv prn sdf cra 172 or cra extensions appear in the list but you may use files with any extensions 3 Select the appropriate file type CTP CRA 2004 2006 allows you to import DBF delimited files with and without headers and SDF or fixed length files Note If you have already prepared a file and saved a setup you can go ahead and load the setup and run the file Click on Lo
3. DATA ENTRY INTO THE FILE 1 Click on the New button 15 Data enter the loan information Click on the Save button If there are errors in the record an error starting with S V Q or CTP will be displayed Click on the OK button 16 Correct the data and click on the save button again If there are any more errors in the record another edit message will be displayed Otherwise click on the new button to enter the next loan in CORRECTING THE FILE 1 Click on the Verify button If there is an error on the current record a message will be display pertaining to the edit 17 Click the OK button and the field that needs to be corrected will be highlighted 18 Correct the data and click on the save button If there are any more errors in the record another edit message will be displayed 19 If you want to see all the records with errors in a report click on the Special menu on the left side of the screen The following screen will be displayed Revised January 2005 Business Information Technologies Inc CRA User Guide Page 20 of 41 20 Check the Edit Worksheet and select the option All Records with Errors 21 Click on the OK button 22 A Preview screen will be displayed To zoom in click on the report r9 Census Traks Plus CRA Edit Worksheet Record Numbers lom Loa Amt Actio Take Gres Aft 15 Geocodlig Loan Number Address Inf D Type ReuCode ADH Fey MSAMD St Sipplkdby MC 1044 OLD
4. Clear All Fields All Fields Add to Address 2 to Address 2 Sample Address Undo Address 1 Undo Address 2 To process your fixed length file you must define which fields contain the address information as well as display the fields that have the loan information Note It will speed up the process of defining fixed length fields if you have a list of fields and their lengths before you start to define them Highlight the Field name text box type the name of the first field in your import file or select the field from the list and press Enter If you make a mistake double click in the Field name box click on the Reset Field button and re enter Enter the length of the field or press the arrows to display the length and press Enter The Field Sample box shows the field If the sample is correct click on Save Field and CTP CRA 2004 2006 lists the fields in the Import Fields box If you want to make a change in the field length highlight the field in the Import Fields box enter the length of the field in the Length box and press Enter If you want to remove a field from the Import Fields box click on the field and on Delete When you get to the address information in the file define the address as you would any other variable However you ll need to type the field name into the Field Name box There is not a selection to choose When defining the field name for the address 1 and address 2 DO NOT USE the field names of
5. Inc CRA User Guide Page 17 of 41 CHA Editor 20 Open the appropriate file The Editor screen will be displayed bf CRA Editor x LSCTPC2ZUDASDATASDERMUUA Respondent I Loan Number Street Address City State ZIP All Edits User Detined Field 1 User Defined Field 2 User Defined Field 3 User Defined Field 4 User Defined Field 5 Type of Loan Loan Amount 000 Action Taken Type Action Taken Date ross Revenue Code Gross Income 0003 Save Affiliate Lending Flag Passes by MSA MD State Code a County Code Tract BNA CTP Match Score 39 21 This screen displays one record at a time If the record does not need editing the traffic light icon will display a green light If the traffic light is red the record requires editing Revised January 2005 Business Information Technologies Inc CRA User Guide Page 18 of 41 EDITOR SCREEN DESCRIPTION The following information about the CRA Editor screen will assist you in navigating within your loan file to make necessary edits to your loan records These vcr buttons are used to move from one record to another From left to right each button is used for the following 4 4 gt b Return to the first record in the file Go to the previous record Go to the next record Y VV WV Go to the last record in the file Very gt Click on Verify to have
6. and create reports and export files Block group An area defined by the Census Bureau comprising all the blocks of a census tract that have the same first digit It is the smallest area for which demographics are reported Boundary a set of line segments that make up the outer limits of a geographic area CTP CRA 2004 2006 Census Traks Plus module for CRA Census geography Boundaries and centroids determined by the Bureau of the Census such as block groups and census tracts Census Tract A statistical subdivision of a county averaging 4 000 inhabitants designed by a local committee of the Bureau of the Census Centroid A center point whose location is computed from the total area of geography Customer Information File Existing information about customers which is found in electronic files that can be imported into CTP CRA 2004 2006 for preparing required CRA reports Demographics Characteristics of a population CTP CRA 2004 2006 demographic databases were derived from the 2000 Census or from HUD supplied annual estimates FFIEC Federal Financial Institutions Examining Council FIPS code Federal Information Processing Standard This numbering system identifies geographic places for use by federal agencies Geocode To find an address in the CTP CRA 2004 2006 database CTP CRA 2004 2006 attaches a latitude and longitude to the address and assigns a census tract number and other FIPS location codes Geoco
7. each MSA MD The counties change from year to year as rural areas are developed as suburbs or as a county between two metro areas is moved from one to the other Census Tract Geocoding Census tract geocoding finds a census tract for an address In batch mode Census Traks Plus can be used to find census tracts for a file containing addresses In interactive mode you can find a census tract for a single address Postal Geography The U S Postal Service set up its Zone Improvement Plan ZIP in 1963 to streamline mail delivery Today each five digit ZIP Code includes about 10 000 households or delivery points Most ZIP Codes have a geographic area but some are only points such as a large office building or a post office with boxes only The original five digit ZIP Code has been expanded to a ZIP 4 and now the eleven digit ZIP Code ZIP 4 refers to a single block face and 6 refers to a single delivery These finer postal codes can be shown as points on a map but they cannot be shown as boundaries Revised January 2005 Business Information Technologies Inc CRA User Guide Page 39 of 41 Each ZIP Code has about 12 postal carrier routes Each route is the area covered by one letter carrier in one day anywhere from 350 to 500 deliveries depending on the population density of the area Although most people are familiar with ZIP Codes because they are used as part of a standard address few people are aware that they also have a postal ca
8. ADD 1 or ADD 2 These are protected field names After all data and address fields have been selected highlight the address 1 field in the Import Field box Click the button Add to Address 1 Do the same for address 2 until the complete address is built Address 1 and Address 2 refer to a two line postal address which looks like this Line 1 1313 N Hazeldell Ave Line 2 Mill Creek HD DE 19801 The elements of the address are Revised January 2005 Business Information Technologies Inc CRA User Guide Page 14 of 41 Address 1 Number pre direction street name street type post direction Address 2 City State ZIP Code Y ou may have all the elements of Address 1 or Address 2 in a single field or in several fields You must build the address in order That is first add the street number then pre direction then name and so forth If the elements of Address 1 are in more than one field click on each element and then on Add to Address 1 The Sample Address box shows how the contents of your address fields look in a two line address To insert a field before a field you have already saved click on the saved field Enter the name and length of the field you want to insert and click on Insert When all fields are defined click on OK CTP CRA 2004 2006 displays the Batch Mode dialog box You have now completed defining your fixed length fields Your next task is to set report selections for a batch report or set export selections
9. CTP process the individual record against the validity edits gt Check the Q Edit Verified when you have verified the Quality Warning is correct for the loan gt Records the date and time the record was entered or originally processed through batch mode This date does not get modified Browse Delete Click on Edit to gain access to the record so that it can be changed Click on New to add a new record by entering all the required information using the Editor as a data entry screen Click on Save to retain any edits that have been made Click on Cancel to void any edits that have been made Click on Seek to go immediately to a specific record Entering either the loan number or address can access records Revised January 2005 Business Information Technologies Inc CRA User Guide Page 19 of 41 gt Click on Browse to view the file in a table or spreadsheet format rather than viewing individual records gt Click on Delete to remove an entire record from the file The following screen displays the FIPS code information for the address If CTP made the FIPS code assignment the screen indicates this fact It also indicates that the user supplied the FIPS code information if the codes are supplied manually The Match Code will either be a number between 0 99 or will be the letter combination ZC MSA MD State Code ELE County Code Tract BNA Match Score 93
10. Submission x Create Include Consortium Third Party Loans MICRO_DAT Micro Data File CRAMICRO_DAT Comma Seperated File Disable 2 to NA Conversion Run Back 49 Click on the Run button 50 The message CRA DAT created Would you like to copy it to disk will appear It is strong recommended for backup purposes to create a copy on diskette Click Yes Insert a formatted diskette Follow the on screen instructions to complete the process Submit x i 2 CEA DAT created consisting of 141 records Would you like to copy it to diskette Ves Ho 51 After creating the backup diskette the following screen will be display asking if you wish to encrypt the file to send by email Revised January 2005 Business Information Technologies Inc CRA User Guide Page 27 of 41 File Encryption x 9 Do you want to create an encrypted file that can be emailed to the FRB m If you select no you can later encrypt the DAT file created by CTP by selecting FILE ADMINISTRATION DAT ENCRYPTION menu bar in CTP Read the filing procedures under the Content button m the Encryption module Yes Ho 52 Click on the Yes button 53 The following will be displayed Warning This software does not provide Intemet connectra ty You must have an Internet connection to send the file created by this software to your regulatory agency 54 Click the OK button 55 Select the dat file and c
11. examined to determine why they were not matched with the USPS database For your convenience CTP CRA 2004 2006 will automatically assign such address a geocode corresponding to the centroid centerpoint of the ZIP Code of the address To select this option go to the File Preferences section and click the appropriate selection Results of this process are assigned the match score of ZC Reviewing records in the CRA Editor will indicate which records have a ZC match score and allow the user to closely examine the address components to verify they are correct Any address corrections can then be reprocessed Or if no corrections can be made the ZC geocode can be used CTP CRA 2004 2006 geocoding technology is tested and proven thousands of times each day and users can be confident that they are obtaining the highest quality geocoding services available Revised January 2005 Business Information Technologies Inc CRA User Guide Page 36 of 41 Chapter XII Reference Glossary of Terms Address A location represented in two lines of text including street number pre direction street name street type post direction city state and ZIP Code Example 101 Maryland Ave Wilmington DE 19801 Agency Code 1 OCC 2 FRS 3 FDIC 4 OTS 5 NCUA 7 HUD Append To add a file to an existing file Area The extent or boundary of the search area In CTP CRA 2004 2006 Batch Mode A CTP CRA 2004 2006 process where users import a file of addresses
12. for a batch export file MAPPING CRA FIELDS 1 Select Map CRA LR Fields The following screen appears bf Map Fields x Import File Fields CRA LEB Field Maps To ACCT NUM OO ACC NUM LOAN LOAN AMT ACT TYPE GROSS REV GROSS INC GROSS REV GROSS INC ACT DATE GROSS REV GROSS INC AFFL FLAG CTY ST ZIP UDF1 UDFZ UDF3 STATE FIPS COUNTY FIP CENSUS TRA 5 1 1 5 The Import Fields box lists the headers that identify each field in the customer information file being imported The CRA LR Maps to box displays the CTP CRA 2004 2006 fields that are required for a CRA LR and indicates which fields CTP CRA 2004 2006 has been able to automatically match up because the header ID in the customer information file was identical to that of CTP CRA 2004 2006 If every row in the CRA LR Field column has a match in the Maps To column click on OK If the Maps To Column is blank or has blank spaces that means your file is either missing required fields or the field names do not match If this 1s the case you must make manual assignments To do this Click on one of the LR fields in the CRA LR column and then the corresponding field from your import file and double click or click on Assign Repeat this process until all the CRA LR field names have been mapped to the corresponding field in your imported customer information file Revised January 2005 Business Information Technologies Inc CRA User Guide
13. geography and format in relation to the other definitions with the same assessment area number Revised January 2005 Business Information Technologies Inc CRA User Guide Page 8 of 41 Chapter IV Interactive Mode How to find the census tract and demographic information for a single address To process a single address at a time you need to be in the Interactive Mode 1 Select Interactive Mode from the Select Mode screen Interactive 23 Enter the address with street information on Line 1 and city state and ZIP Code information on Line 2 Do not include PO Boxes apartment or suite information For rural routes with box numbers it s important to enter this data as the post office represents it The typical representation would be 157 RR 3 for an address listed as PO Box 157 Rural Route 3 or RR 3 Box 157 Example 1 101 S Main St This address contains street number pre direction street name and street type Example 2 101 Main St S This address contains street number street name street type and post direction In order for CTP CRA 2004 2006 to find the census tract for the address you entered a search will be performed against address databases provided by the US Postal Service b Interactive Mode x Street Address City State Code 5 digits Address 24 Click on the Address button One of three options will happen gt message will be displayed in the upper right hand co
14. not include apartment numbers suite numbers or PO boxes in your address information If you are not sure what a field contains click on that field then click on Display Field 7 From the Import Fields list click on the field which has the city and then click on Add to Address 2 One at a time add the state and ZIP to Address 2 8 From the Import Fields list click on the field which has applicant race information Click on Add to Applicant Race button If the applicant race is in more than one field add those fields one at a time to Applicant Race field 9 From the Import Fields list click on the field which has co applicant race information Click on Add to Co Applicant Race button If the co applicant race is in more than one field add those fields one at a time to Applicant Race field 10 After the address and race fields are defined click on the OK button Revised January 2005 Business Information Technologies Inc CRA User Guide Page 13 of 41 FIXED LENGTH FILE 1 If you selected the Fixed Length option the following screen will be displayed bf Fixed Length Fields x Import File ABS CRA SDF Line 1 I 30 40 aji BO Jn dL GEL GEL G L GL GEL GEL GEL GL GL GEL GEL GEL GI L GAL JL af at 133717 102 21 2883315 2Ra A Field Sample EISE Import Fields 21 mee Eh E E Add to Address 1 to Address 1 Save Field Field Reset Field Field
15. FORGERD NBN CASTLE DE 19720 6 424 T 11 t 23 Click on the OK button 24 Message will be displayed to Print this Report with a Yes or No option It is your option to print the report or not Revised January 2005 Business Information Technologies Inc CRA User Guide Page 21 of 41 25 After you printed or not you will return to the Editor Report screen Click on the Cancel button to exit this screen 26 After you have corrected the file select the Special Process File This will re verify your file and check the geocodes The processing status screen will be displayed Revised January 2005 Business Information Technologies Inc CRA User Guide Page 22 of 41 How to create reports 1 In Editor click Special Process File and you will receive the Processing Status Information or if you have not processed the file go to Batch mode After processing the file you will receive the Processing Status Information bf CRA Processing Status Total Records Processed 23 Records that Passed Geocoding 23 Records that Failed Geocoding Records that Failed CAA Edits 0 Report Submit Back 27 Click the Report button Report 28 Choose the desired report from the Report drop down box The bank s respondent ID will be displayed in the Respondent field In the Report Sub Title field enter in an additional title if desired If you want the report s to be for a specific dat
16. Minneapolis St Paul Bloomington AND state 27 Minnesota NA 27 131 NA The assessment area encompasses the census tracts in state 27 AND county 131 that are outside of the MSA MD gt 33460 27 053 NA The assessment area encompasses the census tracts in MSA MD 33460 state 27 AND county 053 gt 33460 27 053 0001 00 The assessment area encompasses only census tract 0001 00 in county 053 state 27 AND MSA MD 33460 gt NA 27 131 0001 00 The assessment area encompasses only census tract 0001 00 in county 131 state 27 and not in an MSA MD These are the only six MSA MD state county tract combinations that are acceptable in reporting assessment areas These six examples may be combined to expand the scope of the assessment area wow To include or exclude property locations in the assessment area a or is required to be indicated in the field prior to the property location fields The indicates that the property location is to be included in the assessment area The represents an exclusion from the assessment area The following examples illustrate how assessment areas should be reported This example includes the entire Atlanta MSA MD 12060 NA NA NA This example includes the entire Atlanta MSA MD less one county 12060 NA NA NA 12060 13 151 NA This example includes one county in the Atlanta MSA MD only 12060 13 089 NA This example includes four census tracts in one county in the Atlan
17. P APPLICATION S NEW USER INSTALLATIONS l Insert CD into the CD ROM drive and click on Start Run 2 the drive letter of the CD ROM drive usually the D if local then type one of the following D CTP Setups Install_CTPC2004 2006 exe D CTP Setups Install_CTPH2004 2006 exe OR Click on the Browse button select the CD drive double click on the directory named CTP Setups and then double click on the setup program Click the OK button 3 Follow the on screen instructions FIRST TIME LOGIN 1 When CTP HMDA 2004 2006 loads for the first time you will be asked in the Unlock window to enter the Serial Number and Password Enter these from the sheet you received with your CTP CRA 2004 2006 shipment Please note The letter and the number 0 are often confused Remember that the Letter is wider than the number 0 Also the letter I can be confused with the number 1 Please examine each I or 1 carefully when you enter the password to avoid miss entries If you get an Invalid password error message carefully re check each letter number to verify you have correctly entered the password Click on the OK button If you have one of the loan origination programs that interface with CTP please select the application from the pull down menu Click on the OK button The following message will be displayed Insert CD x A LJ Please insert the CD labeled CTP GeoCocing Data into your PC s CD dire 6 Cli
18. Page 15 of 41 Note It is helpful to know what is in each field as you identify them for use in your CTP CRA 2004 2006 output If your comma delimited file has headers typically the headers describe what is in the fields and there is no need to rename them If your file does not have headers fields appear as FIELD_1 FIELD_2 and so forth To rename a field return to the Batch mode screen and select Define Address amp Header button Click on a field name on the left and then on the Rename Field button Enter the new name in the Rename Field dialog box and click on Continue If you don t know what is in a field click on it then on the Display Field button When you have completed mapping assigning all required fields click on OK If your input file already has been geocoded and you want CTP CRA 2004 2006 to use this input map your MSA MD field to MSA_FIPS state field to State_FIPS county to County_FIPS and census tract to Census_TRA CTP CRA 2004 2006 will not geocode this record but it will verify the geocode combination for compliance 11 Select Save Setup Choose a name for the setup file name that identifies the Setup with the file structure in the file you imported This CTP CRA 2004 2006 feature saves the entire mapping or assigning of fields and automates the process when you need to prepare reports using similar file structures in the future In the Save As dialog box type in the name of the file A BTS file extension will be adde
19. T hird Party Loans optiona Loans Originated Amount 000s Loans Purchased Amount 000s The Respondents screen is reached by selecting the File Administration options from the main menu It is used to enter institution specific information including the assessment area which will be used in the CRA submission Batch Processing x Last Processed Line 1 9361 5w 153HD PL Line 2 MIAMI FL 33196 Match Code 0 Processing Line 1 9361 SW 16390 PL Line 2 FL 33196 Status Verifying HMDA edits Hits 46 Current Record 46 Estimated Time Elapsed Time Time Remaining 00 05 00 04 00 02 The Batch Geocoding screen is displayed while 2004 2006 is processing customer information files in batch mode The colored bars reflect the approximate percentage of the file that has completed processing and the colored bars indicate the success rate of the geocoding Revised January 2005 Business Information Technologies Inc CRA User Guide Page 33 of 41 The CRA Processing Status screen appears after a customer information file has been processed in batch mode The screen displays the results of the batch processing including a breakdown of records which did not pass CRA specifications for either geocoding or CRA validity edit reasons Also shown are icons which enable the user to save print the newly processed file in various forms such as paper reports or map
20. The Match Score concept is based upon three simple principles Better addresses result in better geocodes Not all addresses in customer information files will exactly match U S Postal Service standards Addresses can be adjusted or corrected to match U S Postal standards A numbering system for address correction can be developed that determines the type and extent of address correction that can be confidently made to an address Consider this example The offices for Business Information Technologies are located in the Minneapolis suburb of Edina The complete address is 4640 W 77th St Edina MN 55345 How would CTP CRA 2004 2006 handle this address is the city name were changed from Edina to Minneapolis First CTP CRA 2004 2006 would attempt to match all of the individual address components with the USPS database If this could be done successfully the address would be matched exactly and given the maximum possible match score of 99 In our example however a search of the USPS database would not find any exact match The search would find however that an address with all of the address components except the city name is in the USPS database Therefore CTP CRA 2004 2006 would match the address but would not include the numeric value of the city name in the matched score The assigned match score of 79 however would still be high enough to have confidence that the any resulting geocode would locate the address desired Briefly s
21. Welcome to CENSUS CAA HMDA and Marke ting Software by fre An advantage in using CTP CRA 2004 2006 is that you do not have to become a software expert in order to benefit from CTP CRA 2004 2006 s full capabilities CTP CRA 2004 2006 is easy to use and so is this How To user Guide You acquired CTP CRA 2004 2006 in order to do something This Guide is organized to provide you all the information you need step by step to do what you need to have done Using the Guide then is simply a matter of looking into the table of contents and selecting the topic you want to know how to accomplish For those who want to know more about how CTP CRA 2004 2006 works we ve also included some additional reference information in the reference appendix This section contains general information about geographic information processing and is unusually helpful in helping explaining information about addresses and the US Postal Service address standards which form the foundation for CTP CRA 2004 2006s address processing rules One more thing we want you to know that we appreciate your selection of CTP CRA 2004 2006 developed and distributed by Business Information Technologies Inc If you have any questions about the operation of CTP CRA 2004 2006 that this Guide does not answer please do not hesitate to give us a call We are here to help Thanks again for choosing CTP CRA 2004 2006 The Staff of Business Information Technologies Inc Rev
22. ad Setup and select a setup file You will be prompted to run the file You do not have to go through the file preparation steps COMMA SEPARATED FILE l If you select an ASCII comma separated file the following a screen appears Revised January 2005 Business Information Technologies Inc CRA User Guide Page 12 of 41 b Import File Type x Import file IDEMD ESV Select a text file type t Delimited without header t Fixed length 4 Select the appropriate file type After you have selected the file type you ll return to the Batch mode screen Select Define Address and Header button If your file is a fixed length file you ll see the Fixed Length Field screen Step 6 If not a fixed length file you ll see the Field Selection screen 5 To process your imported file you need to define which fields contain a two line address The first line Address 1 has the street number pre direction street name type and post direction Example 101 Maryland Ave The second line Address 2 has the city state and 5 digit ZIP Code Example Wilmington DE 19801 bf Field Selection x Import Fields eee Sample Address Undo Address 1 Undo Address 2 6 From the Import Fields list click on the first field which has street address information Click on Add to Address 1 If you make a mistake click on Undo Address 1 If the street address is in more than one field add those fields one at a time to Address 1 Do
23. ck on the OK button An Open dialog box will be displayed At the bottom right hand corner is the Drive selection Click on the pull down menu and select the drive data is stored on Revised January 2005 Business Information Technologies Inc CRA User Guide Page 3 of 41 Open x Open any file on CD Directory Open city dbf county dbf cris dbf ct dbf All Files msa region dbf state dbf street dbf Drive x f Arydercup rydercul 7 Double click on the directory named CTPGEOXX XX the year of the geocoding data A list of dbf files will be listed Highlight the first file and click on the Open button The path will be saved for future access Each time you run Census Traks Plus the CD ROM must be placed in its drive unless your database is on a hard drive 8 display box will pop up stating what demographic data you are using CENSUS TRE is currently configured using 2005 Census Tract Data GFA aor en az Ere 9 Click on the OK button 10 Select File Administration Respondent from the menu bar to enter your Respondent and Assessment Area information See Chapter II for detail instructions 11 Complete the electronic form when finished with entering the Respondent data remember to select the MSA MD from the MSA MD list select MSA MD Button on the screen and it will give you a menu from which to select 12 CTP HMDA 2004 2006
24. d to the name by Save x Save setup Directory Save demo bts demosdt bts apps eastland bts E ctpcs00 gp cra bts data All Files micro38 bts microdat bts test_bts Ipimport untitled bts Process Running a file means to find addresses geocode add MSA MD State and County FIPS codes as well as add census tracts and identify records that contain missing or invalid CRA LR information You must complete the steps outlined above identifying address information and mapping the required CRA LR fields before running a file If this process has not been properly completed you will not be able to run the file While the file is running the Batch Geocoding dialog box shows records one by one and reports whether or not the addresses can be found in the CTP CRA 2004 2006 database To be recorded as a hit an address must score at or above the Match Code score set in the Match Threshold field in the General Preferences dialog box Revised January 2005 Business Information Technologies Inc CRA User Guide Page 16 of 41 Chapter VI CRA Editor How to edit a file already processed with CTP using the CRA Editor To edit records that fail geocoding or edits select the Editor mode The Editor is also used to data entry loans in 1 Goto File Preference Editor wy Editor Preferences x Auto Skip Automatically skip ta the next record after a record is verified Auto Ed
25. ding Match Threshold The Geocoding Match Threshold box in the General Preferences dialog box refers to the match code score which is considered a hit It is calculated on whether and how much change must be made to the address as entered in order for it to conform to the USPS standards database used by CTP CRA 2004 2006 The default score of 61 or higher is strongly recommended for proper census tract coding This score is based on testing tens of thousands of addresses You can raise or lower the score but addresses with scores of 60 or lower may require manual correction The highest score is 99 When an address scores at above the Match Threshold It passes geocoding CRA Editor The Exception and Data Entry dialog box This is where you can edit records that did not pass geocoding or had incomplete or incorrect entries as determined by the CRA validity edits HOEPA Home Ownership and Equity Protection Act Interactive mode Program mode where the user enters an individual address for geocoding as opposed to Batch mode when the user imports a file of addresses LAR Loan Application Register Latitude longitude Addresses that are geocoded are assigned a latitude and longitude coordinate pair which establishes a geographic location for the address Match Code A score that is based on how well the input address matches addresses in the CTP CRA 2004 2006 database Miss When an address does not score at or above
26. e ot Lame free aT VEI Liss Lr as nz Dr 1 05 04 05 HOE m mor 014506 Dn 45 nz 0143 04 07 67 02 Lr E313 0161 01 ORO Dn En aT ajoa aju a jn ajo ojo aja ajo aja ajo m no Oooo oo ojo 2 2 ae aio nin aja oja aja ajo aja ajo m aja ojo aja ajo aja ajo m aojo ojo ojo ajo ajoa ajo a aojo ojo ajoa ajo oja ajo cja m im mp 959 IB Py oon oye mj jim oo ovo ovo 32 You can enlarge the report by moving your cursor on the page displayed When the cursor turns into a magnifying glass just left click You can also click on the Zoom In and Zoom Out buttons 33 The Page area allows you to move from page to page 34 To print click on the OK button and then the software will ask if you want to print this report Click Yes or No Revised January 2005 Business Information Technologies Inc CRA User Guide Page 25 of 41 Chapter VIII CRA Submit How to process a file for CRA submission l Click on File Administration Respondents In CRA edit the respondent information to input last year s record count This will make your portfolio edits more accurate Verify that the other information on this screen is accurate Click Save and click OK to exit 35 Open the file through the Editor button Click Special Process File to run the records through edits on
27. e the first line in an assessment area must always be an inclusion 18 Select the MSA MD that your assessment area is in by scrolling down and highlighting the MSA MD If there is no MSA MD highlight the NA 19 Select the State 20 Select the county If you have multiple counties as your assessment area select one at a time If your assessment area is all the counties in a MSA MD select the NA option represents all counties 21 If your assessment area is the full county of census tracts select the NA option represents all census tracts Otherwise select the individual census tracts by double clicking on each one This will move the combination over to the right side of the assessment area screen which represents the banks assessment area Note Remember to change the in Include to Exclude if you do not want to include a specific census tract s 22 Click the OK button When it is saved the definition will verify for valid geography and format in relation to the other definitions within assessment area EDITING AN EXISTING ASSESSMENT AREA To edit an existing entry in an assessment area highlight the entry in the assessment area list and click the Delete Entry button located in the lower right section of the Assessment Area window The assessment area edit fields will be enabled for editing Make the desired changes and click the Save button to save the changes The assessment area definition will be verified for valid
28. e range enter the range into the Select Action Taken Dates fields For all loan applications leave the date range fields blank Revised January 2005 Business Information Technologies Inc CRA User Guide Page 23 of 41 0123455783 BITI 1 pi pi 29 Click the Run button 30 Several of the report options will display a second display screen of reports Check the report s for processing If there is a square check box next to the report multiple reports may be selected If there is a circle radial option only one can be selected at a time 31 Click on the OK button A Page preview will be displayed There will be a page preview for each report selected Revised January 2005 Business Information Technologies Inc CRA User Guide Page 24 of 41 ty Page Preview COMPOSITE LOAN DATA lot 1 Form FF CAA CLOo Peres enban Inir Lue orl HIM MES POLS IAN TES Ut PC Oy Han om Small Euzinzzz L mru O rigimi d Furth TOS Were PIITCETI LAU ogo enn o UFTEI TOR LET PTEE HH aan PA Loa it kunteni 100600 op Aloo 20 FEEI Loan 2 Cr Pan 2 1 Pki by ick Bunker morni brnir Amori Harber Ad Dunk Amrani Kunio Hicr rrari Bao Sl cng mre oe c av Leare cu Lom
29. e more time 36 At the CRA Processing Status window click on the Report button by Reports x Report Respondent 0123456789 BITI Report Sub Title Select Action Taken D ates Beginning with Ending with a Run Back 37 It is recommended that you print the following reports from the Report drop down box gt VV ON ON WV gt CRA Transmittal Sheet CRA Loan Application Register hard copy for the bank s file Edit Reports Edit Worksheet All Records With Errors Records With ZC Match Scores Any other reports the financial institution would like 45 Make corrections in the Editor using the Edit Worksheets in order to generate the most accurate file to submit to the reporting agency Reminder Q Quality errors are meant for the bank to verify the information 46 Click Back button to get back to the Editor Once all corrections have been made click Special Process File again to run the records through edits again 47 When the Processing Status window shows no records failed geocoding or edits you are ready to click the Submit button Revised January 2005 Business Information Technologies Inc CRA User Guide Page 26 of 41 48 Make a note of the Total Records Processed appearing on the first line of the CRA Processing Status screen This number will be put on the diskette label After clicking the Submit button click CRA dat and Disable ZC to NA conversion Create CRA
30. e network drive that stores your application 7 Once you have found the CTPx2004 2006 directory Right click the directory and select PASTE from the pop up menu You should be asked to replace the existing file Answer yes to this IF YOU ARE NOT ASKED TO REPLACE THE EXISTING FILE YOU ARE NOT IN THE CORRECT DIRECTORY 8 If you are licensed for both HDMA and CRA repeat steps 3 through 7 for each update Revised January 2005 Business Information Technologies Inc CRA User Guide Page 5 of 41 Chapter II Resp How to enter your institution information and define MSA MD Areas 1 Select File Administration Respondents The following screen is displayed b Respondents x Ud 4 0 0 Respondent ID 0123456289 Mame 1251 640 Ww 77TH 5 City Contact Name fonaci ione 352 821 0755 195 2 820 0232 blian F epsorinel design es Default Fespondent iD Community Development Loans Browse Loans Originated Total 000000 Amount 000s 210000000 Loans Purchased Total 111 Amount 0005 100 elete Loans Originated Affiliates 7 7 Amount 000z 000 Loans Purchased Affiliates Amount 000a 00000000 Consortium Third Party Loans optional Amount 0003 Amount 0005 Assessment Areas 000000 0000000 Loans Originated Create Map il Loans Purchased
31. ering area For federal reporting purposes all of these numbers are combined to produce the complete census tract number that Revised January 2005 Business Information Technologies Inc CRA User Guide Page 10 of 41 is unique from any other census tract in the nation Following the fours fields of census tract information is a field called Match Score This field contains a value established by CTP CRA 2004 2006 after evaluating the address entered against the Postal Service database Addresses which match exactly are assigned a value of 99 For more information about Match Scores refer to Chapter 10 about understanding CTP CRA 2004 2006 s geocoding process Notice that in addition to giving you the census tract number CTP CRA 2004 2006 also displays two additional lines of valuable demographic information 4 If the address yields an exact match choose Report to print the information or Map to display the information in map form with the DataMap map viewer To get a paper printout of the on screen information click on the Report icon Report To view the on screen information in map form click on the Map icon Requires installation of the optional DataMap module Refer to your DataMap user manual for information on customizing your map presentation 4 To return to the main menu click on the Back icon Back id Revised January 2005 Business Information Technologies Inc CRA User Guide Page 11 of 41 Chapter V
32. formation about the functionality of this screen see Chapter 5 on how to import and process the various customer information file types for CRA submission 01 05 2004 The CRA Editor screen is used to make corrections in records that fail to pass the validity edits built into CTP CRA 2004 2006 which are based upon regulatory guidelines Reasons for failure to pass the validity edits are addresses which were not Revised January 2005 Business Information Technologies Inc CRA User Guide Page 31 of 41 able to be geocoded and therefore did not receive a census tract assignment or required information fields which were either empty or contained information in a format other than that accepted in a CRA submission For more information about this screen see Chapter 6 the CRA Editor Revised January 2005 Business Information Technologies Inc CRA User Guide Page 32 of 41 ty Respondents x Respondent ID Agency occ Tax ID M ame Address 4 gt Eig MINNEAPOLIS E 8 55435 __ Lance Contact Mame Contact Phone Fax Fredonenstele Assign as Default Fespondeni ip Community Development Loans Loans Originated T otal 000000 Amount 0005 00000000 Loans Purchased T otal 000000 Amount 000 00000000 Loans Onginated Affiliates 000000 Amount 0003 00000000 Loans Purchased Affiliates 000000 Amount 0003 00000000 Consortium
33. has several reports that calculate if your loans are in or out of your assessment area You need to add your assessment for the reports to work Select the Assessment Area button and enter your assessment area definition Revised January 2005 Business Information Technologies Inc CRA User Guide Page 4 of 41 HOW TO INSTALL THE CTP UPDATE S FOR CURRENT LICENSED USERS The updates on the CD CTP Updates are for users that do NOT have access to the Internet If you have Internet access please go to our website http www bit co com BITI Software 20Updates index html for updates to Census Traks Plus The most current version will always be on our site Download the update directly into your application directory and replace the existing file For users that DO NOT have Internet access perform the following steps to update your current installation of CTP l Insert CD into the CD ROM drive 2 Right click on START and select Explore from the list 3 Goto your CD Rom drive and open the directory labeled CTP Updates 4 Right click the CTP update file for the application you want to update i e to update HMDA right click CTPH2004 2006 exe Select COPY from the pop up list Go to the directory where your CTP application is stored if it is a standard installation it will be in C Program Files CTPx2004 2006 where x C for CRA and for HMDA if you have stored your CTP application on a network drive you will need to go to th
34. hed census geography The boundaries are determined by the Census Bureau and driven by the need to create statistically comparable areas There are many types of census places but the vast majority fall into two categories census tracts and block groups Each census tract has 2 500 to 8 000 people In towns and cities census tracts are subdivided into block groups to create more manageable units for the census takers The block groups are further divided into blocks but data by block is not released Rural areas may have census tracts with only one block group since the population is less dense Census geography follows political geography in that tracts do not cross over county lines Census tract boundaries generally don t change between census years Changes only occur when the governing body of a city or county requests a recount because they expect that dramatic population increases if documented will result in more Federal aid When government agencies monitor businesses for the purpose of determining how they treat poor or minority populations the agencies usually require reporting by census tract This is because demographics are collected by census tract and the agencies want to compare apples with apples Metropolitan statistical areas MSA MDs are groups of counties that comprise a metropolitan area For example Minneapolis St Paul is an MSA MD that covers ten counties Each year the census bureau publishes a list of the counties in
35. ised January 2005 Business Information Technologies Inc CRA User Guide Page 1 of 41 WELCOME CD assis AMAN NEU BE 1 CHAPTER T STARTUP 3 CHAPTER II RESPONDENT INFORMATION eee ee eene eene eene eese eese sess ense 6 CHAPTER III EXPLANATION OF ASSESSMENT AREA ases seen 7 CHAPTER IV INTERACTIVE MODE CEU tue GUN P EUN EHE 9 CHAPTER V BATCH MODE EUR snien dansa 12 CHAPTER VI EDITOR 17 CHAPTER Vil REPORT MODULE YES COE 23 CHAPTER VHI CRA SUBMIT 26 CHAPTER IX CREATING NEW FILE eee eee 29 CHAPTER X CRA SCREENS QA IN 30 CHAPTER E050 0 35 CHAPTER XII REFERENCE GLOSSARY OF TERMS 37 CHAPTER REFERENCE GEOGRAPHY PRIMER eese eeee eese senses esses asas sess ens 39 NOTICE o A 41 Revised January 2005 Business Information Technologies Inc CRA User Guide Page 2 of 41 Chapter I Startup How to install Census Traks Plus CRA 2004 2006 How TO INSTALL THE FULL CT
36. it Automatically enter edit mode when a record does not pass verficatian iv Auto Verify Automatically verify record after it has been saved or geacoded i Mery GeoCode Fields Check the user supplied GeoCodes for valid combinations iv Display CRA Quality Warnings Display when verifying ar reporting CAA edits Filter Display All Records Display Bad Records Only t Display Records with User Supplied GeoCodes Only t Display 2 Match Score Records Only t Display Records with Match Scores Less Than or Equal 61 Sort Loan Number Record Number Account Humber Prefix User Defined Field 1 Caption User Defined Field 7 Caption User Defined Field 3 Caption User Defined Field 4 Caption User Defined Field 5 Caption Reporting Year 2004 13 Check the Auto Skip Auto Edit and Auto Verify options This will make correcting the file more automatic 14 Select a filter option to work with specific records at a time Remember to see all the records you must come back into to this screen and change the filter option back to Display All Records 15 Select which Sort By option you want 16 Add the caption for each of the User defined fields that are being used They will be displayed on the CRA Editor 17 Type in the correct Reporting Year which is the current activity year 18 Click on the OK button 19 Click on the CRA Editor Button Revised January 2005 Business Information Technologies
37. itical Geography You are most likely familiar with political geography Cities counties and states are examples of political geography which are frequently represented on maps Cities are displayed either as points or as the boundaries of city limits When a city is shown as a point on a map the position of the point represents the weighted center or centroid of the area That means its position is calculated based on the total area of the city Points rarely represent counties and states rather they are shown by lines which display their perimeters boundaries Political geography is relatively static boundaries only change when a city or town annexes adjacent land Cities counties and states come in all sizes from Rhode Island to Alaska and Duluth to Los Angeles Metropolitan statistical areas MSA MDs are hybrids of political and census geography An MSA MD is a group of counties determined by the Office of Management and Budget For example ten counties around Minneapolis and St Paul are the Minneapolis St Paul MSA MD What makes an MSA MD a hybrid is that although the boundaries of a county rarely change the counties which comprise an MSA MD may change from year to year MSA MDs are used for both marketing and regulatory compliance Federal agencies may have different regulations for their clients in an MSA MD vs outside an MSA MD Census Geography The Federal government to assist in taking the census every ten years establis
38. lick on the begin process button After the process is completed an instruction sheet will be display Print this out and follow the instruction 56 If a second diskette is requested for the bank s files click Submit again and follow steps 8 10 above 57 The Diskette Label Information to be included on the label is as follows Respondent ID Reporting Agency Bank Name File name CRA dat and the Processing Year Contact Name Contact Phone Number Number of Records Number of Disks 1 of 2 2 of 2 Revised January 2005 Business Information Technologies Inc CRA User Guide Page 28 of 41 Chapter IX Creating New LAR file How to create a new file for HMDA PROCEDURE FOR CREATING A NEW FILE FOR DATA ENTERING 1 Go to File Preferences Editor and change the year 58 When you are ready to start a new file for the current year click on File Preferences Editor and change the year To start a new file click on Editor Click the NEW button at the upper right of the window bf Save As x Hame new file Directory c ctpe20045 2004 cra 3rdq 4cr 2004 _ cra data All Files Tint resell Drive 59 Check that the path is going to where you want the file to be saved the default is CTPC2004 2006 Data Name the new file using the extension CRA Append to this file for the rest of the year PROCEDURE FOR CREATING A NEW FILE FROM BATCH 1 After exporti
39. ng data from your loan origination software import the file in Batch mode 60 After the file is process click on the Save button 61 Click on the New button 62 Check that the path is going to where you want the file to be saved the default is CTPC2004 2006 Data Name the new file using the extension CRA Append to this file for the rest of the year Revised January 2005 Business Information Technologies Inc CRA User Guide Page 29 of 41 Chapter X CRA Screens Understanding the major CTP CRA 2004 2006 screens Select Mode x Interactive Batch CHA Editor Quit The Select Mode screen is the default screen for CTP CRA 2004 2006 which loads each time the program is started Clicking on any of the icons will enable the feature selected ty Interactive Mode x Street Address ity State ZIF Code 5 digits Address The Interactive Mode screen is used to enter one address at a time and obtain census tract and demographic information for that address The Street Address line should contain the number pre direction if any street name street type and post direction if any The Street Address line should not contain PO Box information or any reference to apartment suite or unit numbers Revised January 2005 Business Information Technologies Inc CRA User Guide Page 30 of 41 The Batch Mode screen is used to import customer information files and process numerous records at one time For more in
40. ographic information You may prefer to use the Multiple Match list to determine how to correct the address entered and then hit the cancel button to return to the Interactive Mode screen where the correction can be made Correcting the address in this manner will result in reports that display an exact address rather than the address range shown in the Multiple Match list b Multiple Matches x There are 2 matching records Select a record from the list Street From Ta City HC MINNEAPOLIS 55435 79 MINNEAPOLIS 55435 78 2 If the address cannot be matched exactly browse the CTP CRA 2004 2006 suggested potential address matches then select the one which best represents the address desired The Geocode Result screen will be displayed GeoCode Results x Address Line 1 4640 WF 77TH ST Address Line 2 MINNEAPOLIS 55435 M54 MD 33460 State 27 County 053 Track 10240 03 Match Score 99 Tract Demographic Population 4 227 Families 1 014 Minorities 15 68 HUD Est MFI 75 300 Income 113 35 Income Level Hiddle 3 The Geocode Result screen is when there was a postal standard address entered and no correction was needed for the address This screen displays the two line address that was entered Next CTP CRA 2004 2006 displays four fields of information in the form of numbers These fields are the MSA MD state county and census tract or block numb
41. rein or for incidental or consequential damages in connection with the furnishing performance or use of Census Traks Plus CRA or its documentation No part of this document may be photocopied or reproduced without the prior written consent of Business Information Technologies Inc The information in this document is subject to change without notice Copyright Copyright 2005 Business Information Technologies Inc Edina Minnesota DataMap is a registered trademark of VISTA Information Solutions Inc All Rights Reserved First Printing Version 3 40 Rev 2 January 2005 Revised January 2005 Business Information Technologies Inc CRA User Guide Page 41 of 41
42. rner that says Unable to locate this address The Interactive screen will stay displayed There area a number of reasons that this will occur when the address is a new construction misspelled out of your licensed state s Remember that there are other possibilities that an address cannot be found After verifying the address and no luck with the address please call Customer Service for assistance gt If CTP CRA 2004 2006 is unable to find an exact match of the address entered with an address in the Postal Service database it will display the message Exact Match not found and open the Multiple Matches window The Multiple Matches window contains a list of addresses that are potential matches and displays them from top to bottom with addresses at the top determined by CTP CRA 2004 2006 to be having the highest probability of matching the address entered The Multiple Matches window allows you to browse the database and determine Revised January 2005 Business Information Technologies Inc CRA User Guide Page 9 of 41 potential reasons why the address entered did not yield an exact match Common reasons for the inability to exactly match addresses include an incorrect or missing street type AVE ST PL etc or missing pre or post directions N S W E SW NW SE SW Use the mouse or arrow keys to select the address you want from the Multiple Match list CTP CRA 2004 2006 will then assign the appropriate census tract number and dem
43. rrier route You can see your post carrier route on bulk mail or mail addressed to resident because the post office gives a discount to mail that is pre sorted by ZIP and CR In rural areas the route is a rural route Census vs Postal Geography Why isn t census data collected by ZIP Code ZIP Codes are designed to deliver the mail whereas census tracts are designed to contain homogenous populations and be easily tabulated Moreover ZIP Codes change more often than census tracts ZIPs are added to accommodate new housing developments new office buildings or any changes needed in postal deliveries There is some ZIP Code information in census data but since it refers only to the census year and is not updated it is not considered recent enough for marketing or compliance uses Overlaying Geography Overlaying is the process of putting one set of boundaries or points on top of another for the purpose of identifying how they relate to each other For example you might overlay ZIP Codes on census tracts to identify which tracts are in each ZIP Code Revised January 2005 Business Information Technologies Inc CRA User Guide Page 40 of 41 Notice Notice Business Information Technologies Inc makes no warranty of any kind either expressed or implied In particular there is no warranty as to merchantability or fitness for a particular purpose In no event shall Business Information Technologies Inc be liable for any errors contained he
44. s maps only if the user has the DataMap module installed Revised January 2005 Business Information Technologies Inc CRA User Guide Page 34 of 41 Chapter XI Geocoding Reference Understanding CTP CRA 2004 2006 s Geocoding process MUST READ The single most important factor in obtaining geocodes is the quality of the address CTP CRA 2004 2006 uses the address standards established by the U S Postal Service These standards specify that addresses are comprised of eight separate components Five of these components are found in what is referred to by CTP CRA 2004 2006 as Address Line 1 These components are gt The number of the address gt The pre direction of the address if any The street name of the address The street type of the address The remaining three address components comprise the information in Address Line 2 These components are gt The city of the address gt The state of the address gt The 5 digit ZIP Code of the address Notice that any reference to suites apartments or unit numbers is specifically omitted Also CTP CRA 2004 2006 does not assign geocodes for PO Boxes since these addresses do not represent a specific property location In the process of developing the geocoding technology used by CTP CRA 2004 2006 Business Information Technologies tested literally hundreds of thousands of addresses During these tests patterns developed which led to the development of the Match Score concept
45. ta MSA MD 12060 13 089 0213 01 12060 13 089 0213 02 12060 13 089 0213 03 12060 13 089 0213 04 This example includes one county in Missouri and one county on Illinois both in the same MSA MD 41180 29 099 NA 41180 17 119 NA This example includes an entire county less one census tract 12060 13 151 NA 12060 13 151 0112 01 These examples are not exhaustive but illustrate how the six core property location combinations should be used in conjunction to properly define your assessment area Revised January 2005 Business Information Technologies Inc CRA User Guide Page 7 of 41 CREATING AN ASSESSMENT AREA by Assessment Areas x Respondent ID 01 23455789 Name Assessment Area Data Area Number Include 48864 10 003 0001 00 48854 10 003 0002 MSA MD 48854 10 003 0003 00 48854 10 003 0004 00 48854 10 003 0005 00 State 48854 10 003 0006 01 48854 10 003 0006 02 County 48854 10 003 0007 00 48854 10700370008 DU 48854 710700370003 DU 46664 10 003 0010_00 48854 10 003 0011 010 48854 10700370012 DU 48854 10700370013 DU Census Track 15 Click on the Assessment Area button located in the lower section of the Respondents window 16 Enter an area number it is recommended to number them in sequence starting with 0001 The software will include the zeros on the right side of the screen 17 Select the Include or Exclud
46. tated BIT has learned that certain types or combinations of address corrections can be made confidently while other types or combinations of address corrections cannot be confidently made since they would drastically change the probability of locating the correct geographic point Here s another example Each year because of expanding populations the USPS changes approximately 5 of residential ZIP Codes in the U S Does changing a ZIP Code however mean that the address location changes Of course not Yet addresses in customer information files which may contain old ZIP Codes would not be able to be matched without the intelligence built in to CTP CRA 2004 2006 that can make match score assignments and corrections in order to match the USPS database Revised January 2005 Business Information Technologies Inc CRA User Guide Page 35 of 41 This is a powerful feature of CTP CRA 2004 2006 and one that can be used with confidence based upon the extensive testing using hundreds of thousands of test address throughout the United States CTP CRA 2004 2006 users are able to establish their own threshold for match scores This is done in the File Preferences section Based upon its test results BIT recommends using the default threshold match score of 61 Addresses with match scores of 61 or higher can be confidently geocoded There are times however when match scores fall below the threshold of 61 It is recommended that these addresses be
47. the CRA Editor when you click on Verify the traffic light and message displays the status of the current record gt Green Record passes verification gt Red Record does not pass verification gt Yellow Record has not been geocoded verified UDF User defined field ZIP Code postal delivery zone usually with geographic area but occasionally a ZIP Code is a single location such as an office building or post office with boxes only Revised January 2005 Business Information Technologies Inc CRA User Guide Page 38 of 41 Chapter XIII Reference Geography Primer A New View of Geography Most of us have used road maps and atlases to view and understand geography and we are familiar with the red lines for freeways blue lines for rivers dotted lines that show state boundaries and the symbols that mark towns and cities However the geography that makes CTP CRA 2004 2006 so powerful is census and postal geography which many may be working with for the first time This primer is designed especially for CTP CRA 2004 2006 users to give you a guided tour of the relative size and functionality of each type of geography Understanding the various geographies included in CTP CRA 2004 2006 will enhance your skill in setting search areas and interpreting reports and export files There are three kinds of geography in CTP CRA 2004 2006 political census and postal The following is a quick guide to each type of geography Pol
48. the Match Threshold set in the General Preferences dialog box It fails geocoding Revised January 2005 Business Information Technologies Inc CRA User Guide Page 37 of 41 MSA MD Metropolitan Statistical Area Metropolitan Division A group of counties that defines a metropolitan area as defined by the Office of Management and Budget A Metropolitan division represents subdivisions of larger Metropolitan Statistical Areas Multiple Match A condition resulting from similar names overlapping address ranges ambiguous or missing data in either the user entry or the CTP CRA 2004 2006 database Postal Carrier Route PCR The area a mail carrier walks or drives to deliver the mail The number of households in a PCR ranges from 350 to 500 depending on population density A sample PCR number is 55410 006 The 55410 refers to the ZIP Code The next characters C006 are the route number Rate Spread The Rate Spread is the spread between the Annual Percentage Rate APR and the comparable treasury security utilizing the Treasury Securities of Comparable Maturity under Regulation C table action taken lock in date APR term loan maturity and lien status Setup A user created file that stores Batch Mode address definitions field names and output selections A setup file has a BTS extension Status Refers to how many records meet the criteria established after all minimum maximum range conditions are set Traffic light In
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