No, the HMDA data reporting sheet.
HMDA Reporting
(Home Mortgage Disclosure Act)
Loan Officer:
Branch:
Applicant Name: ¬¬¬¬¬¬¬¬________________________________________________
Property Address: ¬¬¬¬¬¬¬¬____________________________________________
(No PO Boxes)
City/State/Zip: ¬¬¬¬¬¬¬¬________________________________________________
County:
Loan Number:
Date Application Received:
Covered loan applications: Include primary and secondary residences, rentals, mobile homes (w/or wo/land) single or multi-unit structures.
Home Purchase (Must be secured by a dwelling)
Home Improvement (May be secured or unsecured)
Refinance of Home Purchase or Home Improvement (Must be secured by a dwelling.) ïˆïˆïˆïˆïˆïˆïˆ
If the purpose of this loan is not to purchase, improve or refinance a purchase or improvement loan, but is for something else such as to buy a car or consolidate credit card debt, do not report it even though it is secured by a dwelling!!!
ï‚” ï‚Ž (See HMDA Criteria for refinances.)
Excluded loan applications: If any of these questions are marked “yesâ€, this application is not HMDA reportable. Please stop here, and place this form in the loan (or denied) file for compliance purposes.
Yes No
ï£ ï£ Is this an application for a Home Equity Line of Credit?
ï£ ï£ Is this an application for a purchase of raw or vacant land?
ï£ ï£ Is this an application for a construction, temporary financing or bridge loan? (Const/Perm loans are reportable when they go to Perm)
ï£ ï£ Is this application for less than $500?
ï£ ï£ Is this application for pre-qualification purposes only?
ï£ ï£ Is this an application primarily for business/agricultural purposes? (See HMDA Criteria for refinances.)
TYPE
X (1) Conventional
ï£ (2) FHA Insured
ï£ (3) VA Guaranteed
ï£ (4) RD Insured Property Location
MA __________________________ State ________________________
County ________________________ Census Tract:__________________
(Taken from FZD Census Information or from the geocode mapping system at
http://www.ffiec.gov/geocode/default.htm)
Property Type
ï£ (1) 1-4 Family (other than manufactured housing)
ï£ (2) Manufactured Housing
ï£ (3) Multi-Family (5+ units)
PURPOSE
ï£ (1) Home Purchase (1-4 Family Unit)
ï£ (2) Home Improvement (1-4 Family Unit)
ï£ (3) Refinance (1-4 Family Unit)
Ethnicity
Applicant/Co-Applicant
ï£ ï£ (1) Hispanic or Latino
ï£ ï£ (2) Not Hispanic or Latino
ï£ ï£ (3) Information not provided by applicant in mail, Internet or telephone application.
ï£ ï£ (4) Not Applicable – Business Entities (see App. A, I.D.)
ï£ ï£ (5) No-Co Applicant
Occupancy
ï£ (1) Owner Occupied (as a principal dwelling)
ï£ (2) Not owner-occupied (2nd homes & rentals)
ï£ (3) Not Applicable (multi family 5+ units)
Loan Amount Applied for or granted
________________________
Round to nearest 1,000 (500 rounds up!!)
Pre-approval (home purchases only)
ï£ (1) Pre-approval was requested
ï£ (2) Pre-approval was not requested
X (3) Not Applicable
Race or National Origin
Applicant/Co-Applicant
ï£ ï£ (1) American Indian/Alaskan Native
ï£ ï£ (2) Asian
ï£ ï£ (3) Black or African American
ï£ ï£ (4) Native Hawaiian or Other Pacific Islander
ï£ ï£ (5) White
ï£ ï£ (6) Info not provided (mail, Internet or telephone application)
ï£ ï£ (7) Not Applicable – Business Entities (see App. A, I.D.)
ï£ ï£ (8) No Co-Applicant
Sex
Applicant/Co-Applicant
ï£ ï£ (1) Male
ï£ ï£ (2) Female
ï£ ï£ (3) Not provided (mail or telephone application only)
ï£ ï£ (4) Not Applicable (business entities)
ï£ ï£ (5) No Co-Applicant
Action Taken
ï£ (1) Loan Originated
ï£ (2) Application approved but not accepted
ï£ (3) Application denied
ï£ (4) Application withdrawn by applicant
ï£ (5) File closed for incompleteness
ï£ (6) Loan purchased by bank
Date Action Taken : ___________
Annual Gross Income Amount relied on for the credit decision
___________ Round to nearest 1,000 (500 rounds up!!) (For Employees put Emp/NA also enter NA for Multi-family dwellings.) (Non-Taxable income must be grossed up.)
Type of Purchaser of Loan
X (0) Loan declined or not sold on the secondary market
ï£ (3) FHLMC
APR: ________________ Rate Spread ___________________
Attach print out from:
http://www.ffiec.gov/ratespread/default.aspxHOEPA Status (To be reported effective 01/01/04.)
ï£ (1) HOEPA Loan
ï£ (2) Not a HOEPA Loan
Lien Status
ï£ (1) Secured by a first lien
ï£ (2) Secured by a subordinate lien
ï£ (3) Not secured by a lien
ï£ (4) Not applicable (purchased loans)