Fr-hmda-lar Fr Hmda-lar

LOAN/APPLICATION REGISTER

Page ____of____

Form FR HMDA-LAR
Agency
Code

Reporter's Identification Number
Name of Reporting Institution

└──┘

City, State, Zip

All columns (except Reasons for Denial) must be completed for each entry. See the instructions for details.
Application or Loan Information

Action Taken

Property Location

Applicant Information
CA = Co-Applicant

A = Applicant

Application or
Loan Number

Date
Application
Received
mm/dd/ccyy

Property
Type

Loan
Type

Loan
Amoun
t In
Thousands

Owner
Occupancy

Purpose

Ethnicity
Preapproval

Type

Date
(mm/dd/ccyy)

Fivedigit
MSA/M
D

TwoDigit
State
Code

ThreeDigit
County
Code

Six-Digit
Census
Tract

A

Race

CA

Other Data

Sex

A

Gross
Annua
l
Incom
e in
thousands

Type of
Purchaser
of Loan

Reason
for
Denial
(optional)

HOEPA
Status

Rate Spread

Lien
Status

CA

A

CA

|

1

5

24

7

N|A|-|

|

2

1

Example of Loan Originated Following Preapproval
L│B│-│6│8│7│4│3│9│ │ │ ││ │ ││ │ ││

01/15/2011

1

1

1

1

65

1

1 02/22/2011

47894

51

059 4 | 2 | 1 | 9 | - | 8 | 5

2

5 3|5|

Example of Preapproval Request Denied
5│6│7│8│9│0│4│3│2│1│|1│2│3│4│0│9│8│7│6│5

06/01/2011

1

1

1

1

125

1

7 06/20/2011

NA

NA

NA N | A | |

2

2 3 | | |

|

2|

| | |

1

2

40

0

1,3 N | A | - |

|

2

1

Example of Application Denied Following Preapproval
5│6│7│8│9│0│4│3│2│1│|1│2│3│4│0│9│8│7│6│5

03/20/2011

1

1

1

1

30

1

3 04/30/2011

11500

01

015 0 | 0 | 2 | 1 | - | 0 | 0

1

1 5 | | |

|

3|

| | |

2

1

20

0

4,5 N | A | - |

|

2

1

(A)

(B) (C) (D) (E) (F) (G) (H) (I)

(J)

(K) (L) (M)

(N)

|-| |

(O) (P)

(Q)

| |

8 | | |

(R)

(S) (T) (U)

(V)

(W)

(X)

(Y) (Z)

OMB Control Number: 2502-0539
Expiration Date: 7/31/2018
Paperwork Reduction Burden Statement
Public reporting burden for this collection of information is estimated to average 577 hours per response, including the time for reviewing instructions, searching existing data sources, gathering and
maintaining the data needed, and completing and reviewing the collection of information. This information is mandatory. HUD may not collect this information, and you are not required to complete this
form, unless it displays a currently valid OMB control number (OMB Control Number 2502-0539).

LOAN/APPLICATION REGISTER CODE SHEET
Use the following codes to complete the Loan/Application Register. All columns (except Reasons for Denial) must be completed for each entry. See the HMDA-LAR instructions for explanations regarding the
proper use of each code listed below.

Application or Loan Information

Action Taken: (I)

Type of Purchaser (V)

Loan Type: (C)

1 -- Loan originated
2 -- Application approved but not accepted
3 -- Application denied by financial institution
4 -- Application withdrawn by applicant
5 -- File closed for incompleteness
6 -- Loan purchased by your institution
7 -- Preapproval request denied by financial institution
8 -- Preapproval request approved but not accepted (optional
reporting)

0 -- Loan was not originated or was not sold in calendar year
1 -- Fannie Mae
2 -- Ginnie Mae
3 -- Freddie Mac
4 -- Farmer Mac
5 -- Private securitization
6 -- Commercial bank, savings bank or savings association
7 -- Life insurance company, credit union, mortgage bank, or
finance company
8 -- Affiliate institution
9 - - O t h e r t y p e o f p u r c h a s e r
Reasons for Denial (optional reporting) (W)

1 -- Conventional (any loan other than FHA, VA, FSA, or RHS loans)
2 -- FHA-insured (Federal Housing Administration)
3 -- VA-guaranteed (Veterans Administration)
4 -- FSA/RHS-guaranteed (Farm Service Agency or Rural
Housing Service)

Property Type: (D)

Applicant Information

1 -- One-to-four family (other than manufactured housing)
2 -- Manufactured housing
3 -- Multifamily

Ethnicity: (O) (P)

Purpose of loan: (E)

Race: (Q) (R)

1 -- Home purchase
2 -- Home improvement
3 -- Refinancing

1 -- American Indian or Alaska Native
2 -- Asian
3 -- Black or African American
4 -- Native Hawaiian or Other Pacific Islander
5 -- White
6 -- Information not provided by applicant in mail, Internet,
or telephone application (see App. A, I.D.2.)
7 -- Not applicable
8
- N o
c o - a p p l i c a n t
Sex: (S) (T)

HOEPA Status
(only for loans originated or purchased): (Y)

1 -- Male
2 -- Female
3 -- Information not provided by applicant in mail, Internet,
or telephone application (see App. A, I.D.2.)
4 -- Not applicable

1 -- Secured by a first lien
2 -- Secured by a subordinate lien
3 -- Not secured by a lien
4 -- Not applicable (purchased loans)

Owner-Occupancy: (F)
1 -- Owner-occupied as a principal dwelling
2 -- Not owner-occupied
3 -- Not applicable
Preapproval (home purchase loans only): (H)
1 -- Preapproval was requested
2 -- Preapproval was not requested
3 -- Not applicable

1 -- Hispanic or Latino
2 -- Not Hispanic or Latino
3 -- Information not provided by applicant in mail, Internet,
or telephone application (see App. A, I.D.2.)
4 -- Not applicable
5 -- No co-applicant

5 -- No co-applicant

1 -- Debt-to-income ratio
2 -- Employment history
3 -- Credit history
4 -- Collateral
5 -- Insufficient cash (down payment, closing costs)
6 -- Unverifiable information
7 -- Credit application incomplete
8 -- Mortgage insurance denied
9 -- Other
Other Data

1 -- HOEPA loan
2 -- Not a HOEPA loan

Lien Status (only for applications and originations): (Z)