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Data Collection on HMDA Form- Grantor spouse

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Question: 
For purposes of data collection on the HMDA form, is a non-borrowing but grantor spouse considered a co-applicant or are they to be left off the form? They are only granting collateral and are not a borrower or guarantor.
Answer: 

Search the HMDA Getting it Right manual using guarantor as the search term. You will find several references such as the following:

If a Covered Loan or Application includes a guarantor, a Financial Institution does not report the guarantor’s ethnicity, race, and sex. Appendix B to Part 1003.

First published on 05/02/2021

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