I’m hoping you’ll be able to answer a question pertaining to a HMDA reportable transaction for 2013.

Mortgage in the name of LLC as primary and a natural person as joint applicant with three guarantors. How is this reported on the LAR? I’m thinking the following:

1) GMI: App = 4, 7, 4; Co-App = 2, 5, 2
2) Income = NA or Co-App’s Income

If you can please let me know if I’m on the right track or not, I’d greatly appreciate it!! This is a 2013 loan that needs to be submitted by Monday, 3/3 so hopefully you can get back to me ASAP. Thank you!!

1) Assuming the joint applicant you are referring to is a non-hispanic, white female i agree.

2) NA. The GIR indicates to put NA for income if the borrower or co-borrower is a non-natural person.

Thank you! Yes, the jt. applicant is a white, non-hispanic female. I thought I input that in the original post...guess not:-).

Will input NA for income.

Thanks for your assistance.