A Guide to HMDA Reporting - ffiec

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G-6 Department of Housing and Urban Development For other mortgage lending institutions Direct compliance questions to (202) 755-7500 extension 7572. Send suggestions for changes or additions to this Guide to: Federal Financial Institutions Examination Council 3501 Fairfax Drive, Room 3086 Arlington, VA 22226-3550
Appendix H General Notice Poster Regulation C requires a lending institution to post a general notice about the availability of HMDA data in the lobby of its home office and of each branch office located in a metropolitan area. The staff commentary effective January 1, 2004, suggests, but does not require, the wording below. You may use an enlarged copy of the following sample notice. Insert an address at the end or, if you make HMDA data available at branch offices, omit the last sentence. See page 27 of this Guide. HOME MORTGAGE DISCLOSURE ACT NOTICE The HMDA data about our residential mortgage lending are available for review.The data show geographic distribution of loans and applications; ethnicity, race, sex, and income of applicants and borrowers; and information about loan approvals and denials. Inquire at this office regarding the locations where HMDA data may be inspected. To receive a copy of these data send a written request to H-1
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EDITION EFFECTIVE January 1, 2006 (
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Contents Foreword _________________
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Foreword A Guide to HMDA Reporting:
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Introduction An institution must tr
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Coverage Criteria for Other Mortgag
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Who Must Report If the institutions
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Data Reporting ¢ For loans sold in
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Completing the LAR Step by Step 10
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Completing the LAR MULTIPURPOSE LOA
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Completing MSA/MD numbers, state co
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Completing the LAR Step by Step 16
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Sources of Geographic Information (
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Sources of Geographic Information (
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Submitting the LAR 22 Officer’s C
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Checklists for Completing and Certi
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Submitting the LAR 26 Resubmitting
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Glossary 28 Branch office. For bank
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Appendix A to Part 203 Form and Ins
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the total amount of the refinancing
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series) [1] , enter “NA”(even i
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applicant information is unavailabl
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e. Code 6 for: Unable to verify cre
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the foregoing agencies and you elec
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The sample adopted by the Board in
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Appendix B to Part 203 Form and Ins
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Appendix C Regulation C (Home Mortg
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* Read: a loan not secured by a lie
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(11) The type of entity purchasing
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easonable fee for any cost incurred
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D-2 must report the action taken on
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D-4 2. 3. coverage test for a given
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D-6 square footage or by the income
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D-8 and may report the property typ
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D-10 institution reports the date t
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D-12 date the institution acquired
Page 71 and 72: D-14 backed securities are to be tr
Page 73 and 74: D-16 7. Transmittal sheet—additio
Page 75 and 76: Appendix E Home Mortgage Disclosure
Page 77 and 78: tistical area, metropolitan statist
Page 79 and 80: the loan application register infor
Page 81 and 82: Stat. 524, 525, 526); Dec. 19, 1991
Page 83 and 84: [12 USC 2806. As amended by H. Res.
Page 85 and 86: Appendix F State and County Codes a
Page 87 and 88: Lonoke (085) - MSA 30780 Madison* (
Page 89 and 90: Lee (071) - MSA 15980 Leon (073) -
Page 91 and 92: Bonner (017) Bonneville (019) - MSA
Page 93 and 94: St. Joseph (141) - MSA 43780 Scott*
Page 95 and 96: Seward* (175) Shawnee (177) - MSA 4
Page 97 and 98: Franklin* (007) Hancock (009) Kenne
Page 99 and 100: Sherburne (141) - MSA 33460 Sibley*
Page 101 and 102: Warren* (219) - MSA 41180 Washingto
Page 103 and 104: New New Mexico Mexico (35) (35) Ber
Page 105 and 106: Dickey* (021) Divide* (023) Dunn* (
Page 107 and 108: Oregon Oregon (41) (41) Baker* (001
Page 109 and 110: Pennington (103) - MSA 39660 Perkin
Page 111 and 112: Hansford* (195) Hardeman* (197) Har
Page 113 and 114: Bath* (017) Bedford (019) - MSA 313
Page 115 and 116: Ritchie* (085) Roane* (087) Summers
Page 117 and 118: Appendix G Federal Supervisory Agen
Page 119 and 120: New York Regional Office 20 Exchang
Page 121: Federal Reserve Bank of Boston 600
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A Guide to HMDA Reporting - ffiec

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