The only loans that are reported for HMDA and CRA are multifamily affordable housing which is reported as a multifamily mortgage under HMDA and Community Development under CRA. Income is not reported in either situation.
On the other hand, when you purchase a HMDA mortgage you are not required to report income, but you can optionally reported. We recommend to our client that they capture the information and then determine if it helps or hurts CRA performance (under the borrower characteristics test) and voluntarily report it when it helps and not report it when it doesn't help.
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