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#1990242 - 01/21/15 10:45 PM First Quarter HMDA [censored]
Norman Paperman Offline
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Norman Paperman
Joined: Aug 2012
Posts: 1,700
48.934476, -114.343735
Anyone else?

Depression increases, optimism down, and Watercooler banter up.

I'm so tired of looking at data entry that I might just fall asleeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeee eeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeee


Sorry. Fell asleep on the keyboard again.
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#1990246 - 01/21/15 10:48 PM Re: First Quarter HMDA [censored] Norman Paperman
DoS Offline
Gold Star
DoS
Joined: Apr 2012
Posts: 264
one state over
I just came into this bank and apparently HMDA hasn't been touched since March ... I think my eyes may liquefy
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"Strip the Flesh, Salt the Wound" - Krieg

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#1990251 - 01/21/15 11:09 PM Re: First Quarter HMDA [censored] Norman Paperman
noelekal Offline
100 Club
Joined: Aug 2013
Posts: 116
Texas
A couple of lost denial/withdrawn loan packages are bedeviling me. Or, perhaps it should be said that the general unconcern with their appearance on the LAR without any supporting documentation is bedeviling.
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#1990256 - 01/21/15 11:30 PM Re: First Quarter HMDA [censored] Norman Paperman
TMatt87 Offline
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TMatt87
Joined: May 2011
Posts: 1,984
Idaho
I'm having a relatively easy time this year. Application are down about 50% due to refinances drying up. Bad for the bottom line, but good for my stress levels.
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#1990315 - 01/22/15 03:02 PM Re: First Quarter HMDA [censored] Norman Paperman
hmdagal Online
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hmdagal
Joined: Dec 2002
Posts: 3,841
It sure makes winter go fast!

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#1990347 - 01/22/15 04:05 PM Re: First Quarter HMDA [censored] Norman Paperman
Truffle Royale Offline

10K Club
Joined: Jul 2003
Posts: 17,395
Ditto TMatt. I'm down 50% too but that still leaves me with about 1500 loans to pivot and scrub. I'm proud of myself for being more proactively diligent and doing quarterly scrubs last year. Boss just sold her house and is scheduled to close and move the end of February. So I need to get HMDA done and out asap so she can bless it before she loses her mind to selling/buying/moving drama.

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#1990364 - 01/22/15 04:44 PM Re: First Quarter HMDA [censored] Norman Paperman
YosemiteSamIAm Offline
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Joined: Jan 2004
Posts: 2,795
Guess
HMDA is a four-letter acronym!

Not as involved this year as previously, when I headed a project to completely revamp our data collection and recording and reporting process. I spent 3 straight days one weekend (including the Monday after) with about 5 hours sleep each night, and pure data entry/verification the rest of the time. I thought I was going to lose my mind! And I only had to do so because other people had screwed it all up!
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#1991001 - 01/26/15 06:45 PM Re: First Quarter HMDA [censored] Norman Paperman
RR Joker Offline
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RR Joker
Joined: Nov 2002
Posts: 20,654
The Swamp
HMDA exam on-going over a period involving two HMDA peeps. I'm holding my breath still and want it OVER WITH!

On the positive side...no re-sub for 2013, so that is great news! smile
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#1994652 - 02/09/15 09:03 PM Re: First Quarter HMDA [censored] Norman Paperman
Norman Paperman Offline
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Norman Paperman
Joined: Aug 2012
Posts: 1,700
48.934476, -114.343735
Until next year (except for quarterly stuff) you cruel HMDA beast!

Be gone with you. Now, where is my bourbon!?
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Maybe you just wanna fly the plane yourself. Well good luck pressing take off, then auto pilot, then land.


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#1994695 - 02/09/15 09:53 PM Re: First Quarter HMDA [censored] Norman Paperman
JWills, CRCM Offline
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JWills, CRCM
Joined: May 2013
Posts: 1,781
The Mitten State
Almost have mine ready to submit. I always am a little leary to send.
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#1994714 - 02/09/15 10:36 PM Re: First Quarter HMDA [censored] Norman Paperman
Matt_B Offline
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Matt_B
Joined: Sep 2011
Posts: 1,648
A CU, Where Regs Don't Apply
Have the first mortgage stuff done, still have all the second lien junk though, which is quite a bit more and all the data is in a large stack of worksheets staring me down. Data entry begins tomorrow! Should finish with time to spare this year, unlike the last couple.
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#1994719 - 02/09/15 10:42 PM Re: First Quarter HMDA [censored] Norman Paperman
DoS Offline
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DoS
Joined: Apr 2012
Posts: 264
one state over
I am almost ready to submit ... hopefully by the end of the week. I am contracting with a different bank also so I get to do their HMDA scrub on weekends, too. I'm an idiot ....
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#1994789 - 02/10/15 02:32 PM Re: First Quarter HMDA [censored] DoS
JWills, CRCM Offline
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JWills, CRCM
Joined: May 2013
Posts: 1,781
The Mitten State
Originally Posted By: DoS
I am almost ready to submit ... hopefully by the end of the week. I am contracting with a different bank also so I get to do their HMDA scrub on weekends, too. I'm an idiot ....


I wouldn't say idiot, I would say you are a glutton for punishment. smile
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#1994829 - 02/10/15 03:32 PM Re: First Quarter HMDA [censored] Norman Paperman
VWgirl21 Offline
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Joined: Jan 2008
Posts: 199
The Bluegrass
I submitted mine yesterday. It was my first time submitting and it was really hard to let it go. But it was time because I am not sure what more I could do with it. I have already scrubbed, audited and edited check it multiple times.
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#1994843 - 02/10/15 03:55 PM Re: First Quarter HMDA [censored] Norman Paperman
Matt_B Offline
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Matt_B
Joined: Sep 2011
Posts: 1,648
A CU, Where Regs Don't Apply
Did you pack a lunch for it and tell it you'd pick up the edit report after school?? laugh

Congrats on surviving your first year!
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#1994846 - 02/10/15 04:00 PM Re: First Quarter HMDA [censored] Norman Paperman
JWills, CRCM Offline
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JWills, CRCM
Joined: May 2013
Posts: 1,781
The Mitten State
It's always scary to me to let it go. I always think there is something else I need to do. Congrats!
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#1994858 - 02/10/15 04:15 PM Re: First Quarter HMDA [censored] JWills, CRCM
DoS Offline
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DoS
Joined: Apr 2012
Posts: 264
one state over
Originally Posted By: JWills
I wouldn't say idiot, I would say you are a glutton for punishment. smile


that is the truth!
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"Strip the Flesh, Salt the Wound" - Krieg

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#1994873 - 02/10/15 04:34 PM Re: First Quarter HMDA [censored] Norman Paperman
Norman Paperman Offline
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Norman Paperman
Joined: Aug 2012
Posts: 1,700
48.934476, -114.343735
Dos - I've always thought about doing that for extra cash. And to get a taste of the consultant world.

Yeah, once you have pivoted, sliced, and diced the data in six different ways, there just isn't much left to do. Hard to let it go, but sometimes you just have to let it go and wait for the validation exam.
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Maybe you just wanna fly the plane yourself. Well good luck pressing take off, then auto pilot, then land.


CRCM

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#1994896 - 02/10/15 05:19 PM Re: First Quarter HMDA [censored] Norman Paperman
DoS Offline
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DoS
Joined: Apr 2012
Posts: 264
one state over
I must say "consultant cash" is nice ... but, I'm a pretty big fan of any type of cash
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#1995050 - 02/10/15 09:03 PM Re: First Quarter HMDA [censored] Norman Paperman
VWgirl21 Offline
100 Club
Joined: Jan 2008
Posts: 199
The Bluegrass
I have been sitting next to the fax machine waiting for my edit report. I am afraid our email system messed up the submission with all the automatic encryption.
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#1995051 - 02/10/15 09:11 PM Re: First Quarter HMDA [censored] Norman Paperman
Soccer Offline
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Joined: Jan 2010
Posts: 1,028
Utopia
My edits were emailed to me.
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#1995052 - 02/10/15 09:11 PM Re: First Quarter HMDA [censored] Norman Paperman
Skittles Offline
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Skittles
Joined: Sep 2002
Posts: 13,965
TN
Mine, too. VWgirl - how did you submit - via the web?
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#1995055 - 02/10/15 09:13 PM Re: First Quarter HMDA [censored] Norman Paperman
VWgirl21 Offline
100 Club
Joined: Jan 2008
Posts: 199
The Bluegrass
I submitted via email. That is how we have always done it. The last few HMDA exams we have had excellent HMDA reviews so I am a little nervous about screwing it all up. I submitted early just in case I did it wrong.
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#1995058 - 02/10/15 09:22 PM Re: First Quarter HMDA [censored] Norman Paperman
Norman Paperman Offline
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Norman Paperman
Joined: Aug 2012
Posts: 1,700
48.934476, -114.343735
I submitted through the HMDA software and received my edit report via email.
_________________________
Maybe you just wanna fly the plane yourself. Well good luck pressing take off, then auto pilot, then land.


CRCM

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#1995596 - 02/12/15 04:11 PM Re: First Quarter HMDA [censored] Norman Paperman
Beagles22 Offline
Power Poster
Joined: Jan 2004
Posts: 3,626
State of confusion
OK, I am done with my scrub and ready to hit send...however I have FDIC coming in next week for HMDA validation so figured...why not wait until they leave on Wednesday so if they have any corrections I can make them prior to submission?
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