General
View answers to general questions regarding HMDA. Simply click on a question below to see the answer.
- How do I determine whether a business or commercial purpose loan is HMDA reportable?
- If we originated open-end lines of credit under the required reporting threshold, can we optionally report?
- What are census tract numbers that start with 9900?
- What are the thresholds for reporting HMDA data?
- When are quarterly HMDA submissions due?
- Is the CFPB still requiring quarterly HMDA reporting due to the current COVID-19 pandemic?
- Are AUS decisions required on denied loans?
- For commercial loans, do we need to report the Debt-to-Income Ratio and Combined Loan-to-Value?
- What method is used to determine Total Units?
- Could you provide clarification regarding the FFIEC vs. CFPB geocoding sites?
- Do latitude and longitude need to be reported?
- Is there a consistent interpretation of what is “Originated”?
- I understand that loan modifications are not covered beginning 2018. Would that include all modifications, i.e., construction to permanent by modification or a line of credit converted to permanent financing by modification?
- How do we report complex mobile home scenarios?
- Do we need to sign up for access to the CFPB platform for HMDA submissions?