Please forgive this simple question but I have searched and cannot find a definite answer. If I have one applicant and one co-signer/guarantor for a HMDA reportable loan, do I report the ethnicity race and sex of the co-signer/guarantor as well as the applicant?

The reason for my question is that we hired a company to do a compliance review and they noted that I did not report this information on a co-signer. Everything I am reading refers to the applicant and co-applicant...not co-signer or guarantor.

Help!

A co-signer is different from a guarantor. A co-signer is an applicant and directly obligated on the note whereas a guarantor is not and is secondarily liable.

If you report information for a co-signer but you do not for a guarantor.