HMDA Tools
HMDA - Getting It Right - 2013
The Guide is a valuable resource for assisting all institutions in their HMDA reporting. It provides a summary of responsibilities and requirements, directions for assembling the necessary tools, and step-by-step instructions for reporting HMDA data. This is a PDF file.
HMDA Refi Cheat Sheet
Sarah D. Scott, VP Compliance & CRA at Heritage Oaks Bank provided BOL with two tools she developed for her bank for HMDA. There is a checklist for tracking records and identifying problems and a data collection form.
HMDA Refi Cheat Sheet
Jeanette Nichols CRCM,a consultant for First Colebrook Bank in Colebrook, NH contributed this HMDA cheat sheet for guidance on the applicability of HMDA reporting for refinanced loans. This is unique with its graphical and fun interface. There are quick definitions and three scenarios for refi reporting to keep your data accurate.
HMDA Getting It Right Primer
Jeanette also contributed this document which covers the basics of what accounts should be on the HMDA LAR. In addition there are loan scenarios and explanations as to why they should or should not be reported.
Government Monitoring Information Rules
Tony Price of Legacy Bank, Weatherford, OK has compiled some charts along his compliance path. This compares differences betweem Regulations B and C as to what is an applicant, the purpose of the loan, occupancy status and much more.
HMDA Worksheet
After noticing that for ethnicity, race and sex on the HMDA worksheet there was no space for the applicant or coapplicant data, Rick Bauer of Farmers Citizens Bank in Bucyrus, OH modified it and has shared the modified version with us.
HMDA Workflow
Banker's Compliance Consulting has prepared a workflow sheet to help you determine what is reported.
HMDA MSA and Micropolitan SA Spreadsheet
This tool from Don Narup, frequent Threads poster and head of CRA Information Services is an Excel spreadsheet which will help get you up to speed on changes to MAs for HMDA purposes.
Monitoring Information Collection Guide
Jim Bedsole has prepared a handy guide for determining when government monitoring information should be asked for by financial institutions subject to HMDA. Ellen Cavanaugh has updated these and provided some additional tools.
HMDA Data Collection Worksheet
Designed by Nancy Anderson and updated by Dan Persfull, here is a tool to help lenders capture data necessary for HMDA reporting. It's in Word .doc format.
Dave Majowski provided a HMDA Input Reporting Worksheet. He validates all information compiled on this sheet by loan officers, calculate the rate spread if necessary, then keys it in the HMDA software. It's in Word .doc format.
Dan also provided a separate HMDA Data Collection form for those times when GMI is required, but a URLA 1003 isn't used.
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HMDA e-Cards
Cards for those special individuals who have to contend with monitoring information collection, data scrubbing, and LAR completion.
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 It was bad before, but with the revisions, things are really heating up!
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HMDA-related Products, Publications
& Training Manuals
- Peoples Exchange Bank, Stanton, Kentucky, 02/08/13, $7,000 (FDIC)
- German American Bancorp, Jasper, Indiana, 12/18/12, $15,000 (FDIC)
- Casey State Bank, Casey, Illinois, 12/18/12, $12,500 (FDIC)
Issuances above were published after 2012.
- The Citizens State Bank of Cheny, Kansas, Cheny, Kansas, 11/28/12, $6,000 (FDIC)
- Delaware County Bank & Trust Company, Lewis Center, Ohio, 11/9/12, $11,000 (FDIC)
- Signature Bank, Bad Axe, Michigan, 09/24/12, $4,000 (FDIC)
- AztecAmerica Bank, Berwyn, Illinois, 09/11/12, $2,500 (FDIC)
- AbbyBank, Abbotsford, Wisconsin, 08/22/12, $12,500 (FDIC)
- Bank of Sun Prairie, Sun Prairie, Wisconsin, 08/16/12, $11,000 (FDIC)
- Union State Bank, Kewaunee, Wisconsin, 08/08/12, $9,000 (FDIC)
- Federated Bank, Onarga, Illinois, 08/03/12, $4,250 (FDIC)
- Bank of Montgomery, Montgomery, Louisiana, 07/18/12, $7,500 (FDIC)
- Main Street Bank Corp., Wheeling, West Virginia, 07/02/12, $4,000 (FDIC)
- First Western Trust Bank, Denver, Colorado, 06/22/12, $9,500 (FDIC)
- Wisconsin Community Bank, Madison, Wisconsin, 06/19/12, $15,000 (FDIC)
- First Federal Savings Bank of Elizabethtown, Elizabethtown, Kentucky, 05/30/12, $16,500 (FDIC)
- CSB State Bank, Cynthiana, Indiana, 05/30/12, $1,500 (FDIC)
- Gerber State Bank, Argenta, Illinois, 05/30/12, $8,000 (FDIC)
- First Nations Bank, Chicago, Illinois , 05/07/12, $4,950 (FDIC)
- High Point Bank and Trust Company, High Point, North Carolina, 04/27/12, $8,000 (FDIC)
- The Park Bank, Madison, Wisconsin , 04/27/12, $41,000 (FDIC)
- TriStar Bank, Dickson, Tennessee, 04/26/12, $10,000 (FDIC)
- The Greenwood's State Bank, Lake Mills, Wisconsin, 04/19/12, $4,500 (FDIC)
- Brimfield Bank, Brimfield, Illinois, 04/18/12, $4,000 (FDIC)
- Community State Bank, St. Charles, Michigan, 04/18/12, $11,000 (FDIC)
- Hawthorn Bank, Jefferson City, Missouri, 04/13/12, $60,000 (FDIC)
- West Town Savings Bank, Cicero, Illinois, 04/05/12, $27,500 (FDIC)
- Freeland State Bank, Freeland, Michigan , 03/22/12, $3,500 (FDIC)
- Bank of Ann Arbor, Ann Arbor, Michigan , 03/22/12, $30,000 (FDIC)
- Provincial Bank, Lakeville, Minnesota , 03/20/12, $4,000 (FDIC)
- University Bank, Ann Arbor, Michigan , 03/07/12, $10,000 (FDIC)
- Western State Bank, Devils Lake, North Dakota, 03/05/12, $7,000 (FDIC)
- Commerce Bank, Geneva, Minnesota, 03/05/12, $4,000 (FDIC)
- EvaBank Eva Alabama , 03/21/12, $8,000 (FDIC)
- Peoples Independent Bank, Boaz, Alabama, 03/14/12, $8,000 (FDIC)
- Wolf River Community Bank, Hortonville, WI, 01/11/12, $5,500 (FDIC)
- Tri-County Trust Company, Glasgow, MO, 01/14/12, $1,500 (FDIC)
- OneUnited Bank, Boston, MA, 01/15/12, $4,000 (FDIC)
- Bank of Louisiana, New Orleans, LA, 01/13/12, $10,000 (FDIC)
- Grabill Bank, Grabill, IN, 01/26/12, $13,500 (FDIC)
- Flanagan State Bank, Flanagan, IL, 01/16/12, $17,000 (FDIC)
- Cleveland State Bank, Cleveland, WI, 12/30/11, $5,000 (FDIC)
- Justin State Bank, Justin, TX, 12/02/11, $16,500 (FDIC)
- First Independence Bank, Detroit, MI, 12/07/11, $4,000 (FDIC)
- FirstSecure Bank and Trust Co., Palos Hills, IL, 12/30/11, $3,000 (FDIC)
- Premier Community Bank of the Emerald Coast, Crestview, FL, 12/05/11, $12,000 (FDIC)
Issuances above were published after 2011.
- North Dallas Bank & Trust Co., Dallas, TX, 11/30/11, $8,500 (FDIC)
- United Bank of Michigan, Grand Rapids, MI, 11/04/11, $8,000 (FDIC)
- The Kansas State Bank, Ottawa, KS, 11/18/11, $5,000 (FDIC)
- Castroville State Bank, Castroville, TX, 10/19/11, $1,500 (FDIC)
- Reliance Savings Bank, Altoona, PA, 10/26/11, $12,000 (FDIC)
- Triad Bank, Frontenac, MO, 10/07/11, $2,500 (FDIC)
- Monroe Bank & Trust, Monroe, MI, 10/26/11, $11,000 (FDIC)
- The Dart Bank, Mason, MI, 10/25/11, $7,750 (FDIC)
- Magnolia Bank, Incorporated, Hodgenville, KY, 10/31/11, $26,000 (FDIC)
- First State Bank, Stuart, IA, 10/13/11, $2,000 (FDIC)
- The Citizens Bank, Nashville, GA, 10/06/11, $7,000 (FDIC)
- Bank Star, Pacific, MO, 09/22/11, $4,000 (FDIC)
- Heritage Bank of Schaumburg, Schaumburg, IL, 09/29/11, $6,000 (FDIC)
- Valley Bank, Moline, IL, 09/30/11, $45,000 (FDIC)
- Colorado East Bank & Trust, Lamar, CO, 09/21/11, $5,000 (FDIC)
- Plains Commerce Bank, Hoven, SD, 08/18/11, $10,000 (FDIC)
- Patriots Bank, Liberty, MO, 08/16/11, $5,000 (FDIC)
- Community State Bank of Missouri, Bowling Green, MO, 08/02/11, $3,000 (FDIC)
- FortuneBank, Arnold, MO, 08/12/11, $3,000 (FDIC)
- Vermillion State Bank, Vermillion, MN, 08/29/11, $8,000 (FDIC)
- Fidelity Bank, West Des Moines, IA, 08/04/11, $10,000 (FDIC)
- Mid America Bank, Janesville, WI, 07/27/11, $8,000 (FDIC)
- Schertz Bank & Trust, Schertz, TX, 07/06/11, $1,000 (FDIC)
- Western Bank, Coahoma, TX, 07/05/11, $12,000 (FDIC)
- 1st State Bank, Saginaw, MI, 07/19/11, $3,000 (FDIC)
- Petefish, Skiles & Co., Virginia, IL, 07/08/11, $9,000 (FDIC)
- Bank of Palatine, Palatine, IL, 07/22/11, $3,500 (FDIC)
- American Enterprise Bank of Florida, Jacksonville, FL, 07/20/11, $14,500 (FDIC)
- Citizens Bank & Trust Co., Marks, MS, 06/01/11, $2,000 (FDIC)
- Signature Bank, Bad Axe, MI, 06/17/11, $15,000 (FDIC)
- Century Bank of Georgia, Cartersville, GA, 06/03/11, $9,500 (FDIC)
- Mid Penn Bank, Millersburg, PA, 05/16/11, $11,000 (FDIC)
- Midtown Bank & Trust Company, Atlanta, GA, 05/03/11, $6,500 (FDIC)
- Union State Bank, Pell City, AL, 04/19/11, $8,000 (FDIC)
- First Bank of Coastal Georgia, Pembroke, GA, 04/08/11, $6,500 (FDIC)
- Norstates Bank, Waukegan, IL, 04/29/11, $12,000 (FDIC)
- State Bank, Wonder Lake, IL, 04/14/11, $6,000 (FDIC)
- The Bath State Bank, Bath, IN, 04/21/11, $8,000 (FDIC)
- Bank of Maringouin, Maringouin, LA, 04/20/11, $5,000 (FDIC)
- Michigan Commerce Bank, Ann Arbor, MI, 04/29/11, $5,000 (FDIC)
- Century Bank, Lucedale, MS, 04/14/11, $3,000 (FDIC)
- Texas Bank, Henderson, TX, 04/28/11, $6,000 (FDIC)
- Allegiance Bank Texas, Houston, TX, 04/11/11, $2,500 (FDIC)
- Northstar Bank of Texas, Denton, Texas, 03/31/11, $9,500 (FDIC)
- Harleysville Savings Bank, Harleysville, PA, 03/18/11, $8,500 (FDIC)
- Coatesville Savings Bank, Coatesville, PA, 03/25/11, $2,750 (FDIC)
- Pulaski Savings Bank, Chicago, IL, 03/28/11, $1,500 (FDIC)
- Regent Bank, Davie, FL, 03/24/11, $6,000 (FDIC)
- Integrity Bank & Trust, Monument, CO, 03/28/11, $3,500 (FDIC)
- ServisFirst Bank, Birmingham, AL, 03/01/11, $7,500 (FDIC)
- VIST Bank, Wyomissing, PA, 01/28/11, $9,000 (FDIC)
- Integrity Bank, Camp Hill, PA, 02/01/11, $9,000 (FDIC)
- Excel Bank, Sedalia, MO, 02/10/11, $12,000 (FDIC)
- Artisans' Bank, Wilmington, DE, 02/07/11, $4,000 (FDIC)
- Diamond Bank, Murfreesboro, AR, 02/24/11, $7,000 (FDIC)
- United Bank, Osseo, WI, 01/10/11, $10,500 (FDIC)
- Security Bank, New Auburn, WI, 01/21/11, $7,000 (FDIC)
- Berkshire Bank, Wyomissing, PA, 01/03/11, $7,000 (FDIC)
- Northwest Savings Bank, Warren, PA, 01/03/11, $10,000 (FDIC)
- BancorpSouth Bank, Tupelo, MS, 01/03/11, $46,500 (FDIC)
- Tradition Capital Bank, Edina, MN, 01/04/11, $3,000 (FDIC)
- First Bank of Highland Park, Highland Park, IL, 01/27/11, $1,150 (FDIC)
- Brimfield Bank, Brimfield, IL, 01/25/11, $5,500 (FDIC)
- AztecAmerica Bank, Berwyn, IL, 01/21/11, $4,500 (FDIC)
- Community First Bank, Butler, MO, 12/02/10, $1,500 (FDIC)
- Highland Bank, Saint Michael, MN, 12/02/10, $13,000 (FDIC)
- Central Co-operative Bank, Somerville, MA, 12/09/10, $9,500 (FDIC)
- Greater Rome Bank, Rome, GA, 12/06/10, $8,000 (FDIC)
Issuances above were published after 2010.
- Lydian Private Bank, Palm Beach, Florida, 12/21/10, $18,000 (OTS)
- Farmers & Merchants State Bank, Waterloo, WI, 11/12/10, $3,000 (FDIC)
- Oostburg State Bank, Oostburg, WI, 11/12/10, $5,500 (FDIC)
- Foundation Bank, Bellevue, WA, 11/15/10, $5,000 (FDIC)
- Citizens State Bank, Miles, TX, 11/22/10, $10,500 (FDIC)
- Chester County Bank, Henderson, TN, 11/30/10, $4,000 (FDIC)
- The Peoples Bank; IVA, SC, 11/18/10, $5,500 (FDIC)
- Mid America Bank, Linn, MO, 11/22/10, $23,000 (FDIC)
- Merrimac Savings Bank, Merrimac, MA, 11/02/10, $5,000 (FDIC)
- Lisle Savings Bank, Lisle, IL, 11/03/10, $5,500 (FDIC)
- First Security Trust and Savings Bank, Elmwood Park, IL, 11/03/10, $4,250 (FDIC)
- Peach State Bank & Trust, Gainesville, GA, 11/18/10, $4,000 (FDIC)
- EvaBank, Eva, AL, 11/23/10, $10,000 (FDIC)
- International Bank of Commerce, Laredo, TX, 10/27/10, $10,000 (FDIC)
- United-American Savings Bank, Pittsburgh, PA, 10/19/10, $5,500 (FDIC)
- Kalamazoo County State Bank, Schoolcraft, MI, 10/27/10, $2,500 (FDIC)
- The Farmers and Merchants Bank, Boswell, IN, 10/27/10, $4,000 (FDIC)
- First Bank of Dalton, Dalton, GA, 10/29/10, $5,500 (FDIC)
- Sunshine State Community Bank, Port Orange, FL, 10/12/10, $4,000 (FDIC)
- Valley Bank, Fort Lauderdale, FL, 10/01/10, $22,000 (FDIC)
- Acacia Federal Savings Bank, Falls Church, VA, 11/03/10, $75,000 (OTS)
- Marathon Savings Bank, Wausau, WI, 09/21/10, $5,500 (FDIC)
- State Bank of Southern Utah, Cedar City, UT, 09/28/10, $7,500 (FDIC)
- West Texas State Bank, Odessa, TX, 09/02/10, $7,500 (FDIC)
- Bank of Wichitas, Snyder, OK, 09/23/10, $4,000 (FDIC)
- The Bank of Holly Springs, Holly Springs, MS, 09/23/10, $4,000 (FDIC)
- United Bank & Trust Company, Versailles, KY, 09/22/10, $4,000 (FDIC)
- Bank of The Bluegrass and Trust Company, Lexington, KY, 09/22/10, $2,500 (FDIC)
- Surety Bank, Deland, FL, 09/24/10, $2,500 (FDIC)
- Kearney Trust Company, Kearney, MO, 08/09/10, $2,500 (FDIC)
- Rockwood Bank, Eureka, MO, 08/23/10, $2,000 (FDIC)
- Summit Community Bank, East Lansing, MI, 08/02/10, $5,500 (FDIC)
- AbbyBank, Abbotsford, WI, 07/07/10, $8,500 (FDIC)
- Tri-State Bank of Memphis, Memphis, TN, 07/14/10, $4,000 (FDIC)
- Clayton Bank and Trust, Knoxville, TN, 07/21/10, $10,000 (FDIC)
- Affinity Bank of Pennsylvania, Wyomissing, PA, 07/22/10, $5,500 (FDIC)
- First Southern Bank, Columbia, MS, 07/20/10, $10,000 (FDIC)
- West Bank, West Des Moines, IA, 07/12/10, $15,500 (FDIC)
- Glennville Bank, Glennville, GA (Dated 07-28-10) $7,000 (FDIC)
- Crescent Bank, Myrtle Beach, SC, 06/04/10, $5,500 (FDIC)
- New Century Bank, Dunn, NC, 06/04/10, $4,000 (FDIC)
- Bank of St. Elizabeth, Saint Elizabeth, MO, 06/28/10, $4,000 (FDIC)
- MainSource Bank, Greensburg, IN; Successor in Interest to MainSource Bank of Illinois, Kankakee, IL, 06/16/10, $13,500 (FDIC)
- MainSource Bank, Greensburg, IN, 06/16/10, $22,000 (FDIC)
- American National Bank, Omaha, NE, 06/22/10, $13,450 (OCC)
- Farmers and Merchants Union Bank, Columbus, WI, 05/18/10, $5,500 (FDIC)
- Security State Bank, Waverly, IA, 05/11/10, $2,000 (FDIC)
- Bonanza Valley State Bank, Brooten, MN, 04/16/10, $2,500 (FDIC)
- Kingsley State Bank, Kingsley, IA, 04/13/10, $4,000 (FDIC)
- Bank of Kampsville, Kampsville, IL, 04/13/10, $5,500 (FDIC)
- Peoples Bank of the South, La Follette, TN, 03/25/10, $8,000 (FDIC)
- North Penn Bank, Scranton, PA, 03/0410, $4,000 (FDIC)
- Marquette Savings Bank, Erie, PA, 03/30/10, $3,500 (FDIC)
- Advantage Bank, Spencer, OK, 03/29/10, $4,000 (FDIC)
- New Millennium Bank, New Brunswick, NJ, 03/24/10, $2,500 (FDIC)
- Marlborough Savings Bank, Marlborough, MA, 03/22/10, $4,000 (FDIC)
- Colonial Co-operative Bank, Gardner, MA, 03/15/10, $2,500 (FDIC)
- Highland Community Bank, Chicago, IL, 03/15/10, $5,000 (FDIC)
- Bank of Monticello, Monticello, GA, 03/15/10, $4,000 (FDIC)
- Eastern Savings Bank, Hunt Valley, Maryland, 03/31/10, $25,000 (OTS)
- Pamrapo Savings Bank, Bayonne, NJ, 02/19/10, $5,000 (OTS)
- The Black Earth State Bank, Black Earth, WI, 02/14/10, $2,500 (FDIC)
- Citizens State Bank, Jasper, TN, 02/22/10, $2,000 (FDIC)
- The Dime Bank, Honesdale, PA, 02/22/10, $3,000 (FDIC)
- Dakota County State Bank, South Sioux City, NE, 02/05/10, $1,500 (FDIC)
- Community Bank, Raceland, LA, 02/22/10, $9,500 (FDIC)
- Christiana Bank & Trust Company, Greenville, DE, 02/02/10, $5,500 (FDIC)
- Americana Community Bank, Sleepy Eye, MN, 01/27/10, $4,000 (FDIC)
- Prime Security Bank, Karlstad, MN, 01/27/10, $4,000 (FDIC)
- Hometown Bank, a Cooperative Bank, Webster, MA, 01/04/10, $10,000 (FDIC)
- Buffalo Savings Bank, Buffalo, IA, 01/08/10, $4,000 (FDIC)
- State Bank of Cold Spring, Cold Spring, MN, 12/17/09, $2,500 (FDIC)
- Citizens Bank and Trust Company of Chicago, Chicago, IL, 12/16/09, $5,500 (FDIC)
- Wyoming Bank and Trust, Cheyenne, WY, 11/19/09, $4,000 (FDIC)
Issuances above were published after 2009.
- Coatesville Savings Bank, Coatesville, PA, 11/24/09, $5,500 (FDIC)
- Security Bank, Rich Hill, MO, 11/17/09, $4,000 (FDIC)
- Firstrust Bank, Conshohocken, PA, 10/01/09, $10,000 (FDIC)
- The Delaware County Bank and Trust Company, Lewis Center, OH, 10/09/09, $5,000 (FDIC)
- 1st Advantage Bank, St. Peters, MO, 10/05/09, $2,500 (FDIC)
- Community Bank of Marshall, Marshall, MO, 10/08/09, $4,000 (FDIC)
- Michigan Commerce Bank, Ann Arbor, MI, 10/22/09, $3,500 (FDIC)
- The First State Bank of Burlingame, Burlingame, KS, 10/26/09, $8,000 (FDIC)
- State Central, Keokuk, Iowa, 10/26/09, $9,500 (FDIC)
- West Suburban Bank, Lombard, IL, 09/23/09, $7,000 (FDIC)
- Community Central Bank, Mount Clemens, MI, 09/09/09, $3,500 (FDIC)
- Readlyn Savings Bank, Readlyn, IA, 08/21/09, $4,000 (FDIC)
- Independent Farmers Bank, Maysville, MO, 08/13/09, $1,500 (FDIC)
- Prior Lake State Bank, Prior Lake, MN, 07/08/09, $4,000 (FDIC)
- Hillcrest Bank, Overland Park, KS, 07/08/09, $8,000 (FDIC)
- Traders & Farmers Bank, Haleyville, AL, 07/02/09, $4,000 (FDIC)
- Solon State Bank, Solon, IA, 06/22/09, $1,500 (FDIC)
- First Guaranty Bank, Hammond, LA, 05/29/09, $17,000 (FDIC)
- Fidelity Savings Bank, Pittsburgh, PA, 05/28/09, $17,000 (FDIC)
- First Service Bank, Greenbrier, AR, 05/26/09, $8,000 (FDIC)
- Grabill Bank, Grabill, IN, 05/15/09, $10,000 (FDIC)
- Marion Center Bank, Marion Center, PA, 05/11/09, $12,000 (FDIC)
- Republic Bank & Trust Company , Louisville, KY, 05/06/09, $22,000 (FDIC)
- Citizens Bank, Hartsville, TN, 04/30/09, $3,000 (FDIC)
- Slovak Savings Bank, Pittsburgh, PA, 04/22/09, $5,000 (FDIC)
- Farmers and Merchants State Bank of Pierz, Pierz, MN, 04/10/09, $2,000 (FDIC)
- Union State Bank of Fargo, Fargo, ND, 03/30/09, $2,000 (FDIC)
- Oriental Bank And Trust, San Juan, PR, 03/26/09, $10,000 (FDIC)
- Banks of Wisconsin, Kenosha, WI, 03/17/09, $4,000 (FDIC)
- Bedford Loan & Deposit Bank, Bedford, KY, 03/17/09, $5,000 (FDIC)
- Mutual Bank, Harvey, IL, 03/17/09, $6,500 (FDIC)
- Spencer Savings Bank, Spencer, MA, 02/22/09, $5,500 (FDIC)
- Sun Security Bank, Ellington, MO, 02/10/09, $5,500 (FDIC)
2009 is above.
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