A Guide to HMDA Reporting - ffiec

¢ HOEPA Status. Report whether
each loan you originated or purchased
is covered by the Home
Ownership and Equity Protection Act
of 1994 (HOEPA), as implemented in
Regulation Z (12 CFR § 226.32). For
further guidance, see Appendix A,
I.G.3. Coverage under HOEPA,
which requires special disclosures
and regulates the terms of covered
loans, is determined by comparing a
loan’s APR and its points and fees to
triggers specified in the regulation.
See 12 CFR § 226.32(a) and (b).
¢ Lien Status. For every originated
loan, report whether the loan is
secured by a first or subordinate lien
on a dwelling or is not secured by a
dwelling. For every application that
does not result in an origination,
report whether the loan would be
secured by a first or subordinate lien
on a dwelling or would not be
secured by a dwelling. Instructions
can be found in Appendix A, I.H. Lien
status is to be determined by reference
to the best information readily
available to the lender at the time of
final action and to the lender’s own
procedures. For further guidance,
see staff comment 203.4(a)(14)-1.
Applicant Information
A = Applicant CA = Co-Applicant Other Data
A
Race
Sex
CA A CA
Gross
Annual
Income
in
thousands
Type of
Pur­
chaser of
Loan
Reasons
for
Denial
(optional) Rate Spread
HOEPA
Status
3 5 8 1 5 24 7 N A . 2 1
3 2 1 2 40 0 1,3 N A . 2 1
5 3 2 1 30 0 4,5 N A . 2 1
Lien
Status
17