Our bank headquarters and its 2 branches are located in the suburbs of Chicago, Illinois. We originate many home equity lines and some fixed-rate mortgages in this area, but not out of state. We report these applications on our Hmda LAR.

We are now decisioning applications for manufactured homes (purchases and refinances) outside of IL through a loan correspondent that submits applications to us. Since we have zero branches outside Illinois, are manufactured home loan applications reportable for us?

Thank you for the help!

Location of branches have nothing to do with HMDA reporting. Manufactured home loans are reportable.