Summary of Reportable Data

Effective January 1, 2018

Summary of Reportable HMDA Data – Regulatory Reference Charta
This chart is intended to be used as a reference tool for data points required to be collected, recorded, and reported under Regulation C, as
amended by the HMDA Rule issued on October 15, 2015. The relevant regulation and commentary sections are provided for ease of reference.
This chart does not provide data fields or enumerations used in preparing the HMDA loan/application register (LAR). For more information on
preparing the HMDA LAR, please see http://www.consumerfinance.gov/hmda.

1

Data Point

Statusb

Description

Regulation C References

(1) Legal Entity Identifier
(LEI)

Modified

Identifier issued to the financial institution (FI) by a utility
endorsed by the Global LEI Foundation or LEI
Regulatory Oversight Committee

§ 1003.4(a)(1)(i)(A)

(2) Universal Loan Identifier
(ULI)

Modified

Identifier assigned to identify and retrieve a loan or
application that contains the FI’s LEI, an internally
generated sequence of characters, and a check digit

§ 1003.4(a)(1)(i),
Comments 4(a)(1)(i)-1 through -5,
and appendix C

(3) Application Date

Existing

Date the application was received or the date on the
application form

§ 1003.4(a)(1)(ii),
Comments 4(a)(1)(ii)-1 through -3

(4) Loan Type

Existing

Whether the loan or application is insured by the Federal
Housing Administration, guaranteed by the Veterans
Administration, Rural Housing Service, or Farm Service
Agency

§ 1003.4(a)(2),
Comment 4(a)(2)-1

(5) Loan Purpose

Modified

Whether the transaction is for home purchase, home
improvement, refinancing, cash-out refinancing, or
another purpose

§ 1003.4(a)(3),
Comments 4(a)(3)-1 through -5

SUMMARY OF REPORTABLE HMDA DATA – VERSION 1.0, 10/15/2015

Effective January 1, 2018

2

Data Point

Statusb

Description

Regulation C References

(6) Preapproval

Modified

Whether the transaction involved a preapproval request
for a home purchase loan under a preapproval program

§ 1003.4(a)(4),
Comments 4(a)(4)-1 and -2

(7) Construction Method

Modified

Whether the dwelling is site-built or a manufactured
home

§ 1003.4(a)(5),
Comments 4(a)(5)-1 through -3

(8) Occupancy Type

Modified

Whether the property will be used as a principal
residence, second residence, or investment property

§ 1003.4(a)(6),
Comments 4(a)(6)-1 through -5

(9) Loan Amount

Modified

Amount of the loan or the amount applied for

§ 1003.4(a)(7),
Comments 4(a)(7)-1 through -9

(10) Action Taken and (11)
Action Taken Date

Existing

Type and date of action the FI took on the loan,
application, or preapproval request

§ 1003.4(a)(8),
Comments 4(a)(8)(i)-1 through -14
and 4(a)(8)(ii)-1 through -6

(12) Property Address

New

Address of the property securing the loan (or proposed to
secure a loan)

§ 1003.4(a)(9)(i),
Comments 4(a)(9)-1 through -5 and
4(a)(9)(i)-1 through -3

(13), (14), and (15)
Property Location

Existing

Location of the property securing the loan (or proposed
to secure a loan) by state, county, and census tract

§ 1003.4(a)(9)(ii),
Comments 4(a)(9)-1 through -5,
4(a)(9)(ii)(B)-1, and 4(a)(9)(ii)(C)-1

(16) Ethnicity, (17) Race,
and (18) Sex

Modified

Applicant’s or borrower’s ethnicity, race, and sex, and if
information was collected by visual observation or
surname

§ 1003.4(a)(10)(i),
Comments 4(a)(10)(i)-1 and -2 and
appendix B

SUMMARY OF REPORTABLE HMDA DATA – VERSION 1.0, 10/15/2015

Effective January 1, 2018

Data Point

Statusb

Description

Regulation C References

(19) Age

New

Applicant’s or borrower’s age

§ 1003.4(a)(10)(ii),
Comments 4(a)(10)(ii)-1 through -5

(20) Income

Existing

If credit decision is made, gross annual income relied on
in making the credit decision;
Or, if a credit decision was not made, the gross annual
income relied on in processing the application

§ 1003.4(a)(10)(iii),
Comments 4(a)(10)(iii)-1 through -10

(21) Type of Purchaser

Modified

Type of entity that purchased the loan

§ 1003.4(a)(11),
Comments 4(a)(11)-1 through -10

(22) Rate Spread

Modified

Difference between the annual percentage rate and
average prime offer rate for a comparable transaction

§ 1003.4(a)(12),
Comments 4(a)(12)-1 through -8

(23) HOEPA Status

Existing

Whether the loan is a high-cost mortgage under the
Home Ownership and Equity Protection Act (HOEPA)

§ 1003.4(a)(13),
Comment 4(a)(13)-1

(24) Lien Status

Modified

Whether the property is a first or subordinate lien

§ 1003.4(a)(14),
Comments 4(a)(14)-1 and -2

(25) Credit Score

New

Credit score(s) relied on and the name and version of the
credit scoring model

§ 1003.4(a)(15),
Comments 4(a)(15)-1 through -7

(26) Reason for Denial

Modified

Reason(s) the application was denied

§ 1003.4(a)(16),
Comments 4(a)(16)-1 through -4

Either total loan costs, or total points and fees charged

§ 1003.4(a)(17),
Comments 4(a)(17)(i)-1 through -3
and 4(a)(17)(ii)-1 through -2

(27) Total Loan Costs or
Total Points and Fees

3

New

SUMMARY OF REPORTABLE HMDA DATA – VERSION 1.0, 10/15/2015

Effective January 1, 2018

Data Point

Statusb

Description

Regulation C References

(28) Origination Charges

New

Total borrower-paid origination charges

§ 1003.4(a)(18),
Comments 4(a)(18)-1 through -3

(29) Discount Points

New

Points paid to the creditor to reduce the interest rate

§ 1003.4(a)(19),
Comments 4(a)(19)-1 through -3

(30) Lender Credits

New

Amount of lender credits

§ 1003.4(a)(20),
Comments 4(a)(20)-1 through -3

(31) Interest Rate

New

Interest rate on the approved application or loan

§ 1003.4(a)(21),
Comments 4(a)(21)-1 through -3

(32) Prepayment Penalty
Term

New

Term in months of any prepayment penalty

§ 1003.4(a)(22),
Comments 4(a)(22)-1 through -2

(33) Debt-to-Income Ratio

New

Ratio of the applicant’s or borrower’s total monthly debt
to total monthly income relied on

§ 1003.4(a)(23),
Comments 4(a)(23)-1 through -7

(34) Combined Loan-toValue Ratio

New

Ratio of the total amount of debt that is secured by the
property to the value of the property that was relied on

§ 1003.4(a)(24),
Comments 4(a)(24)-1 through -5

(35) Loan Term

New

Number of months after which the legal obligation will
mature or terminate

§ 1003.4(a)(25),
Comments 4(a)(25)-1 through -5

(36) Introductory Rate
Period

New

Number of months until the first date the interest rate
may change

§ 1003.4(a)(26),
Comments 4(a)(26)-1 through -4

New

Whether the transaction involves a balloon payment,
interest-only payments, negative amortization, or any
other type of non-amortizing feature

§ 1003.4(a)(27),
Comment 4(a)(27)-1

(37) Non-Amortizing
Features

4

SUMMARY OF REPORTABLE HMDA DATA – VERSION 1.0, 10/15/2015

Effective January 1, 2018

Data Point

Statusb

Description

Regulation C References

(38) Property Value

New

Value of the property relied on that secures the loan

§ 1003.4(a)(28),
Comments 4(a)(28)-1 through -4

(39) Manufactured Home
Secured Property Type

New

Whether the covered loan is secured by a manufactured
home and land or a manufactured home and not land

§ 1003.4(a)(29),
Comments 4(a)(29)-1 through -4

(40) Manufactured Home
Land Property Interest

New

Information about the applicant’s or borrower’s ownership
or leasehold interest in the land where the manufactured
home is located

§ 1003.4(a)(30),
Comments 4(a)(30)-1 through -6

(41) Total Units

New

Number of individual dwelling units related to the
property

§ 1003.4(a)(31),
Comments 4(a)(31)-1 through -4

(42) Multifamily Affordable
Units

New

Number of individual dwelling units related to the
property that are income-restricted under federal, state,
or local affordable housing programs

§ 1003.4(a)(32),
Comments 4(a)(32)-1 through -6

(43) Application Channel
(Submission of Application
and Initially Payable to
Your Institution)

New

Indicators of whether the application was submitted
directly to the FI, and whether the obligation was initially
payable to the FI

§ 1003.4(a)(33),
Comments 4(a)(33)-1, 4(a)(33)(i)-1,
and 4(a)(33)(ii)-1 through -2

(44) Mortgage Loan
Originator NMLSR Identifier

New

National Mortgage Licensing System & Registry
(NMLSR) identifier for the mortgage loan originator

§ 1003.4(a)(34),
Comments 4(a)(34)-1 through -3

New

Name of the automated underwriting system used by the
FI to evaluate the application and the result generated by
that system

§ 1003.4(a)(35),
Comments 4(a)(35)-1 through -6

(45) Automated
Underwriting System

5

SUMMARY OF REPORTABLE HMDA DATA – VERSION 1.0, 10/15/2015

Effective January 1, 2018

Data Point

Statusb

Description

Regulation C References

(46) Reverse Mortgage

New

Indicator of whether the transaction is for a reverse
mortgage

§ 1003.4(a)(36)

(47) Open-End Line of
Credit

New

Indicator of whether the transaction is for an open-end
line of credit

§ 1003.4(a)(37),
Comment 4(a)(37)-1

(48) Business or
Commercial Purpose

New

Indicator of whether the transaction is primarily for a
business or commercial purpose

§ 1003.4(a)(38),
Comment 4(a)(38)-1

a This chart does not contain information about the submission process or procedures, nor does it contain any of the exceptions that are found in the HMDA Rule,
such as when a particular data point is not reportable for a particular loan or application.
b

The “Status” column indicates whether the data point required to be collected, recorded, and reported under the HMDA Rule is new or modified as compared to
what was previously collected, recorded, and reported under Regulation C. “New” data refers to data points that were not previously required to be collected,
recorded, or reported under Regulation C.

This chart summarizes requirements under HMDA and Regulation C, and does not itself establish any binding obligations. It is intended only to act as a quick
reference and not as a substitute for the regulation or its official commentary. Always consult the regulation text and official commentary for a complete
understanding of the law.

6

SUMMARY OF REPORTABLE HMDA DATA – VERSION 1.0, 10/15/2015