HMDA Data Reference Chart

Effective January 1, 2020

Reportable HMDA Data: A Regulatory and Reporting Overview Reference Chart for
HMDA Data Collected in 2020 a
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 Rules issued on October 15,
2015, on August 24, 2017, and on October 10, 2019.b Relevant regulation and commentary sections are provided for ease of reference. The chart also incorporates the information found in Section
4.2.2 of the 2020 Filing Instructions Guide and provides when to report not applicable or exempt, including the codes used for reporting not applicable or exempt from section 4 of the 2020 Filing
Instructions Guide 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://ffiec.cfpb.gov.

1

Data point

Regulation C
references

(1) Legal Entity
Identifier (LEI)

§ 1003.4(a)(1)(i)(
A)

Description

Filing instructionsc

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

Enter your financial institution’s LEI.
Example: If your institution’s LEI is 10BX939C5543TQA1144M,
enter 10BX939C5543TQA1144M.

2020 REPORTABLE HMDA DATA: A REGULATORY AND REPORTING OVERVIEW REFERENCE CHART – VERSION 1, OCTOBER 10, 2019

Reporting “Not Applicable”d or “Exempt”e

Effective January 1, 2020

Data point

Regulation C
references

(2) Universal
Loan Identifier
(ULI) or NonUniversal Loan
Identifier (NULI)

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

Description

Filing instructionsc

ULI: 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

ULI. Assign and report a ULI that:

NULI: Identifier
assigned to identify a
loan or application

Reporting “Not Applicable”d or “Exempt”e

1. Begins with the financial institution’s Legal Entity Identifier as defined
in § 1003.4(a)(1)(i)(A).
2. Follows the Legal Entity Identifier with up to 23 additional characters
to identify the covered loan or application, which:
▪ May be letters, numerals, or a combination of letters and
numerals;
▪ Must be unique within the financial institution; and
▪ Must not include any information that could be used to directly
identify the applicant or borrower.
3. Ends with a two-character check digit that is calculated using the
ISO/IEC 7064, MOD 97-10 as it appears on the International Standard
ISO/IEC 7064:2003, which is published by the International
Organization for Standardization (ISO).
A check digit can be generated by:
▪ Using the check digit tool. Information regarding the check digit
tool will be located at https://ffiec.cfpb.gov/tools/check-digit; or
▪ Applying the procedures provided in appendix C to Regulation
C.
ULI Example:

10BX939c5543TQA1144M999143X99
LEI

2

Loan or
Application
Identifier

2020 REPORTABLE HMDA DATA: A REGULATORY AND REPORTING OVERVIEW REFERENCE CHART – VERSION 1, OCTOBER 10, 2019

Check
Digit

Effective January 1, 2020

Data point

Regulation C
references

Description

Filing instructionsc

Reporting “Not Applicable”d or “Exempt”e

NULI. If not reporting a ULI per the 2018 HMDA Rule, assign and
report a NULI that:
1. Is composed of up to 22 characters, which may include letters,
numerals, or a combination of letters and numerals.
2. Is unique within the insured depository institution or insured credit
union.
3. Does not include any information that could be used to directly
identify the applicant or borrower.
NULI Example:

999143X

3

(3) Application
Date

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

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

Enter, in numeral form, the date the application was received or the
date shown on the application form by year, month, and day, using
YYYYMMDD format.
Example: If the application was received on July 21, 2020, enter
20200721.

(4) Loan Type

§ 1003.4(a)(2),
Comment
4(a)(2)-1

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

Indicate the type of covered loan or application by entering:
▪ Code 1—Conventional (not insured or guaranteed by FHA, VA,
RHS, or FSA)
▪ Code 2—Federal Housing Administration insured (FHA)
▪ Code 3—Veterans Affairs guaranteed (VA)
▪ Code 4—USDA Rural Housing Service or Farm Service Agency
guaranteed (RHS or FSA)

2020 REPORTABLE HMDA DATA: A REGULATORY AND REPORTING OVERVIEW REFERENCE CHART – VERSION 1, OCTOBER 10, 2019

Enter “NA” for purchased covered loans,
§ 1003.4(a)(1)(ii)

Effective January 1, 2020

Data point

4

Regulation C
references

Description

Filing instructionsc

Reporting “Not Applicable”d or “Exempt”e
To report not applicable, enter “Code 5” for
purchased covered loans where origination took
place prior to January 1, 2018, Comment 4(a)(3)-6.

(5) Loan
Purpose

§ 1003.4(a)(3),
Comments
4(a)(3)-1 through
-6

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

Indicate the purpose of the covered loan or application by entering:
▪ Code 1—Home purchase
▪ Code 2—Home improvement
▪ Code 31—Refinancing
▪ Code 32—Cash-out refinancing
▪ Code 4—Other purpose
▪ Code 5—Not applicable

(6) Preapproval

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

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

Indicate preapproval for a covered loan or application by entering:
▪ Code 1—Preapproval requested
▪ Code 2—Preapproval not requested

(7) Construction
Method

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

Whether the dwelling is
site-built or a
manufactured home

Indicate the construction method for the dwelling by entering:
▪ Code 1—Site-built
▪ Code 2—Manufactured home

(8) Occupancy
Type

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

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

Indicate the occupancy type by entering:
▪ Code 1—Principal residence
▪ Code 2—Second residence
▪ Code 3—Investment property

(9) Loan
Amount

§ 1003.4(a)(7),

Amount of the loan or
the amount applied for

Enter, in dollars, the amount of the covered loan, or the amount applied
for, as applicable.

2020 REPORTABLE HMDA DATA: A REGULATORY AND REPORTING OVERVIEW REFERENCE CHART – VERSION 1, OCTOBER 10, 2019

Effective January 1, 2020

Data point

Regulation C
references

Description

Comments
4(a)(7)-1 through
-9
(10) Action
Taken and (11)
Action Taken
Date

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

Filing instructionsc

Reporting “Not Applicable”d or “Exempt”e

Example: If the loan amount is $110,500, enter 110500 or
110500.00. If the loan amount is $110,500.24, enter 110500.24.

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

ACTION TAKEN. Indicate the action taken on the covered loan or
application by entering:
▪ Code 1—Loan originated
▪ Code 2—Application approved but not accepted
▪ Code 3—Application denied
▪ Code 4—Application withdrawn by applicant
▪ Code 5—File closed for incompleteness
▪ Code 6—Purchased loan
▪ Code 7—Preapproval request denied
▪ Code 8—Preapproval request approved but not accepted
ACTION TAKEN DATE. Enter, in numeral form, the date of action
taken by year, month, and day, using YYYYMMDD format.
Example: If the action taken date is July 21, 2020, enter 20200721.

(12) Property
Address

5

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

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

STREET ADDRESS. Enter the street address of the property as one
(1) data field. U.S. Postal Service Publication 28, Subsections 231–239,
can be used as a guide for formatting the street address to help
improve geocoding accuracy. Address components include, as
applicable, the following individual items:
▪ Primary Address Number
▪ Predirectional
▪ Street Name
▪ Prefix
▪ Suffix

2020 REPORTABLE HMDA DATA: A REGULATORY AND REPORTING OVERVIEW REFERENCE CHART – VERSION 1, OCTOBER 10, 2019

Enter “NA” in each of the property address fields for:
▪ Covered loans or applications if the property
address of the property securing the covered loan
is not known (e.g., the property did not have a
property address at closing, or the property
address was not provided to the institution before
the application was denied, withdrawn, or closed
for incompleteness), Comment 4(a)(9)(i)-3;

Effective January 1, 2020

Data point

Regulation C
references

Description

Filing instructionsc

Reporting “Not Applicable”d or “Exempt”e

▪ Postdirectional
▪ Secondary Address Identifier, such as apartment
▪ Secondary Address, such as apartment number
CITY. Enter the city of the property as one (1) data field.
STATE. Enter the two letter state code of the property as one (1) data
field.
ZIP CODE. Enter the ZIP code of the property as one (1) data field.

▪

NON-STANDARD ADDRESSING. U.S. Postal Service Publication 28,
Subsection 24, 25, and 29, respectively, can be used as guides for
formatting non-standard style addressing including rural route, Highway
Contract Route, and Puerto Rico addresses to increase the accuracy
for geocoding.
The following address formats are generally not preferred:
▪ General Delivery addresses, such as General Delivery, Anytown,
CA 90049-9998.
▪ Post Office Box addresses, such as P.O. Box 100 Anytown, CA
90049-9998.
▪ Spelled-out numbers, such as Four Hundred Fifty Six W
Somewhere Ave Apt Two Hundred One.
(13), (14), and
(15) Property
Location

6

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

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

COUNTY. Enter the five-digit Federal Information Processing
Standards (FIPS) numerical code for the county. Do not use commas.
Example: Enter 06037 for the FIPS code for Los Angeles County,
CA.

2020 REPORTABLE HMDA DATA: A REGULATORY AND REPORTING OVERVIEW REFERENCE CHART – VERSION 1, OCTOBER 10, 2019

Covered loans or applications if a site of a
manufactured home has not been identified,
Comment 4(a)(9)-5

STATE ONLY: For transactions for which State
reporting is not required under § 1003.4(a)(9)(i), a
financial institution may not report not applicable for
the Property Address State unless the institution is
permitted to report not applicable for State for
Property Location. See below for when you may
report not applicable for Property Location.
Enter “Exempt” in the Street Address, City, and Zip
Code fields if, pursuant to the 2018 HMDA Final
Rule, your institution is not reporting Property
Address.

Enter “NA” for:
▪ Applications only if the state, county, or census
tract in which the property is located is not known
before the application is denied, withdrawn, or
closed for incompleteness, Comments

Effective January 1, 2020

Data point

Regulation C
references
and -2, and
4(a)(9)(ii)(C)-1
and -2

Description

Filing instructionsc
CENSUS TRACT. Enter the 11-digit census tract number as defined by
the U.S. Census Bureau. Do not use decimals.
Example: Enter 06037264000 for a census tract within Los
Angeles County, CA.
STATE. Enter the two letter state code of the property as one (1) data
field.

Reporting “Not Applicable”d or “Exempt”e

▪

▪

▪

4(a)(9)(ii)(A)-1, 4(a)(9)(ii)(B)-2, and 4(a)(9)(ii)(C)2.
Covered loans or applications if a site of a
manufactured home has not been identified,
Comment 4(a)(9)-5;
Covered loans or applications if the property is
not located in an Metropolitan Statistical Area
(MSA) or Metropolitan Division (MD) in which the
institution has a home or branch office and the
institution is not required to report data on small
business, small farm, and community
development lending under regulations that
implement the Community Reinvestment Act of
1977, § 1003.4(a)(9)(ii) and § 1003.4(e)
CENSUS TRACT ONLY: Covered loans or
applications if the property is located in a county
with a population of 30,000 or less according to
the most recent decennial census conducted by
the U.S. Census Bureau, § 1003.4(a)(9)(ii)(C)

NOTE: For transactions for which State, county, or
census tract reporting is not required under
§ 1003.4(a)(9)(ii) or § 1003.4(e), financial institutions
may report that the requirement is not applicable, or
they may voluntarily report the State, county, or
census tract information, Comment 4(a)(9)(ii)-1

7

2020 REPORTABLE HMDA DATA: A REGULATORY AND REPORTING OVERVIEW REFERENCE CHART – VERSION 1, OCTOBER 10, 2019

Effective January 1, 2020

Data point

Regulation C
references

Description

Filing instructionsc

Reporting “Not Applicable”d or “Exempt”e
STATE ONLY: For transactions for which State
reporting is not required under § 1003.4(a)(9)(ii), a
financial institution may not report not applicable for
the Property Location State unless the institution is
permitted to report not applicable for Property
Address. See above for when you may report not
applicable for Property Address.

(16) Ethnicity,

8

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

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

ETHNICITY OF APPLICANT OR BORROWER. Indicate the ethnicity
of the applicant or borrower, or of the first co-applicant or co-borrower,
as applicable, by entering up to five (5):
▪ Code 1—Hispanic or Latino
o Code 11—Mexican
o Code 12—Puerto Rican
o Code 13—Cuban
o Code 14—Other Hispanic or Latino
NOTE: If the applicant or borrower, or any co-applicant or coborrower, did not select Code 14, but provided an other Hispanic
or Latino ethnicity(ies) in the Ethnicity Free Form Text Field for
Other Hispanic or Latino, your institution is permitted, but not
required, to report Code 14 in one of the Ethnicity of Applicant or
Borrower data fields. This will be counted as one of the five (5)
reported ethnicities, whether or not you also choose to report
Code 14 as one of the Ethnicity of Applicant or Borrower, or
Ethnicity of Co-Applicant or Co-Borrower, data fields. See below
for information about the Ethnicity Free Form Text Field for
Other Hispanic or Latino.
▪ Code 2—Not Hispanic or Latino

2020 REPORTABLE HMDA DATA: A REGULATORY AND REPORTING OVERVIEW REFERENCE CHART – VERSION 1, OCTOBER 10, 2019

To report not applicable, enter “Code 4” for
Ethnicity of Applicant or Borrower and “Code 3”
for Ethnicity Collected on the Basis of Visual
Observation or Surname for:
▪

▪

Purchased covered loans for which the financial
institution chooses not to report the applicant’s or
co-applicant’s ethnicity, race, and sex, appendix
B;
Covered loans or applications when applicant or
co-applicant is not a natural person, appendix B

NOTE: Use Code 3 for Ethnicity Collected on the
Basis of Visual Observation or Surname if the
financial institution received the application prior to
January 1, 2018, and the financial institution
chooses not to report whether the ethnicity of the
applicant or borrower, or of the first co-applicant or
co-borrower, as applicable, was collected on the
basis of visual observation or surname, Comment
4(a)(10)(i)-2

Effective January 1, 2020

Data point

Regulation C
references

Description

Filing instructionsc
▪

▪

▪

Code 3—Information not provided by applicant in mail, internet, or
telephone application
NOTE: Use Code 3 if the applicant or borrower, or co-applicant
or co-borrower does not provide the information in an application
taken by mail, internet, or telephone. Leave the remaining
Ethnicity of Applicant or Borrower data fields blank.
Code 4—Not applicable
NOTE: Use Code 4 if the requirement to report the applicant’s or
borrower’s ethnicity does not apply to the covered loan or
application that your institution is reporting. Leave the remaining
Ethnicity of Applicant or Borrower data fields blank.
Code 5—No co-applicant
NOTE: Use Code 5 in the co-applicant field if there are no coapplicants or co-borrowers. Leave the remaining Ethnicity of
Applicant or Borrower data fields blank.

If there is more than one co-applicant or co-borrower, provide the
required information only for the first co-applicant or co-borrower listed
on the collection form.
Do not enter the same code more than once for the applicant or
borrower, or any co-applicant or co-borrower, as applicable, for any
covered loan or application.
If fewer than five (5) ethnicities are provided by the applicant or
borrower, or by any co-applicant or co-borrower, leave the remaining
Ethnicity of Applicant or Borrower data fields blank.

9

2020 REPORTABLE HMDA DATA: A REGULATORY AND REPORTING OVERVIEW REFERENCE CHART – VERSION 1, OCTOBER 10, 2019

Reporting “Not Applicable”d or “Exempt”e

Effective January 1, 2020

Data point

Regulation C
references

Description

Filing instructionsc
ETHNICITY FREE FORM TEXT FIELD. Enter the specific other
Hispanic or Latino ethnicity(ies) not listed above, if provided by the
applicant or borrower, or by any co-applicant or co-borrower, as
applicable. For example, enter Argentinean, Colombian, Dominican,
Nicaraguan, Salvadoran, or Spaniard, and so on, if provided by the
applicant or borrower, or by any co-applicant or co-borrower, as
applicable. Enter more than one other Hispanic or Latino ethnicity, if
provided by the applicant or borrower, or by any co-applicant or coborrower, as applicable. The maximum number of characters for this
field is 100 characters, including spaces. If the applicant or borrower,
or any co-applicant or co-borrower, did not provide an other Hispanic
or Latino ethnicity(ies), leave this field blank.
ETHNICITY COLLECTED ON THE BASIS OF VISUAL
OBSERVATION OR SURNAME. Indicate whether the ethnicity of the
applicant or borrower, or of the first co-applicant or co-borrower, as
applicable, was collected on the basis of visual observation or surname
by entering:
▪ Code 1—Collected on the basis of visual observation or surname
▪ Code 2—Not collected on the basis of visual observation or
surname
▪ Code 3—Not applicable
NOTE: Use Code 3 if the requirement to report the applicant’s or
borrower’s ethnicity does not apply to the covered loan or
application that your institution is reporting.
▪ Code 4—No co-applicant
NOTE: Use Code 4 in the co-applicant field if there are no coapplicants or co-borrowers

10

2020 REPORTABLE HMDA DATA: A REGULATORY AND REPORTING OVERVIEW REFERENCE CHART – VERSION 1, OCTOBER 10, 2019

Reporting “Not Applicable”d or “Exempt”e

Effective January 1, 2020

Data point

Regulation C
references

Description

Filing instructionsc

Reporting “Not Applicable”d or “Exempt”e

If there is more than one co-applicant or co-borrower, provide the
required information only for the first co-applicant or co-borrower listed
on the collection form.
(17) Race

11

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

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

RACE OF APPLICANT OR BORROWER. Indicate the race of the
applicant or borrower, or of the first co-applicant or co-borrower, as
applicable, by entering up to five (5):
▪ Code 1—American Indian or Alaska Native
NOTE: If the applicant or borrower, or any co-applicant or coborrower, did not select Code 1, but provided the name of the
applicant’s or borrower’s American Indian or Alaska Native
Enrolled or Principal Tribe(s) in the Race Free Form Text Field
for American Indian or Alaska Native Enrolled or Principal
Tribe, your institution is permitted, but not required, to report
Code 1 in one of the Race of Applicant or Borrower data fields.
Each reported race will be counted as one of the five (5)
reported races, whether or not you also choose to report Code 1
as one of the Race of Applicant or Borrower, or Race of CoApplicant or Co-Borrower, data fields. See below for information
about the Race Free Form Text Field for American Indian or
Alaska Native Enrolled or Principal Tribe.
▪ Code 2—Asian
o Code 21—Asian Indian
o Code 22—Chinese
o Code 23—Filipino
o Code 24—Japanese
o Code 25—Korean
o Code 26—Vietnamese
o Code 27—Other Asian

2020 REPORTABLE HMDA DATA: A REGULATORY AND REPORTING OVERVIEW REFERENCE CHART – VERSION 1, OCTOBER 10, 2019

To report not applicable, enter “Code 7” for Race of
Applicant or Borrower and “Code 3” for Race
Collected On The Basis Of Visual Observation Or
Surname for:
▪

▪

Purchased covered loans for which the financial
institution chooses not to report the applicant’s or
co-applicant’s ethnicity, race, and sex, appendix
B;
Covered loans or applications when applicant or
co-applicant is not a natural person, appendix B

NOTE: Use Code 3 if the financial institution
received the application prior to January 1, 2018,
and the financial institution chooses not to report
whether the race of the applicant or borrower, or of
the first co-applicant or co-borrower, as applicable,
was collected on the basis of visual observation or
surname.

Effective January 1, 2020

Data point

Regulation C
references

Description

Filing instructionsc

▪
▪

12

NOTE: If the applicant or borrower, or any co-applicant or
co-borrower, did not select Code 27, but provided the name
of the applicant’s or borrower’s other Asian race(s) in the
Race Free Form Text Field for Other Asian, your
institution is permitted, but not required, to report Code 27
in one of the Race of Applicant or Borrower data fields.
Each reported race will be counted as one of the five (5)
reported races, whether or not you also choose to report
Code 27 as one of the Race of Applicant or Borrower, or
Race of Co-Applicant or Co-Borrower, data fields. See
below for information about the Race Free Form Text Field
for Other Asian.
Code 3—Black or African American
Code 4—Native Hawaiian or Other Pacific Islander
o Code 41—Native Hawaiian
o Code 42—Guamanian or Chamorro
o Code 43—Samoan
o Code 44—Other Pacific Islander
NOTE: If the applicant or borrower, or any co-applicant or
co-borrower, did not select Code 44, but provided the name
of the applicant’s or borrower’s other Pacific Islander
race(s) in the Race Free Form Text Field for Other
Pacific Islander, your institution is permitted, but not
required, to report Code 44 in one of the Race of Applicant
or Borrower data fields. Each reported race will be counted
as one of the five (5) reported races, whether or not you
also choose to report Code 44 as one of the Race of
Applicant or Borrower, or Race of Co-Applicant or Co-

2020 REPORTABLE HMDA DATA: A REGULATORY AND REPORTING OVERVIEW REFERENCE CHART – VERSION 1, OCTOBER 10, 2019

Reporting “Not Applicable”d or “Exempt”e

Effective January 1, 2020

Data point

Regulation C
references

Description

Filing instructionsc

▪
▪

▪

▪

Borrower, data fields. See below for information about the
Race Free Form Text Field for Other Pacific Islander.
Code 5—White
Code 6—Information not provided by applicant in mail, internet, or
telephone application
NOTE: Use Code 6 if the applicant or borrower, or co-applicant
or co-borrower does not provide the information in an application
taken by mail, internet, or telephone. Leave the remaining Race
of Applicant or Borrower data fields blank.
Code 7—Not applicable
NOTE: Use Code 7 if the requirement to report the applicant’s or
borrower’s race does not apply to the covered loan or application
that your institution is reporting. Leave the remaining Race of
Applicant or Borrower data fields blank.
Code 8—No co-applicant
NOTE: Use Code 8 in the co-applicant field if there are no coapplicants or co-borrowers. Leave the remaining Race of
Applicant or Borrower data fields blank.

Do not enter the same code more than once for the applicant or
borrower, or any co-applicant or co-borrower, as applicable, for any
covered loan or application.
If fewer than five (5) races are provided by the applicant or borrower, or
by any co-applicant or co-borrower, leave the remaining Race of
Applicant or Borrower data fields blank.
RACE FREE FORM TEXT FIELDS.

13

2020 REPORTABLE HMDA DATA: A REGULATORY AND REPORTING OVERVIEW REFERENCE CHART – VERSION 1, OCTOBER 10, 2019

Reporting “Not Applicable”d or “Exempt”e

Effective January 1, 2020

Data point

Regulation C
references

Description

Filing instructionsc
▪

▪

14

RACE FREE FORM TEXT FIELD FOR AMERICAN INDIAN OR
ALASKAN NATIVE ENROLLED OR PRINCIPAL TRIBE . Enter
the name of the applicant’s or borrower’s American Indian or
Alaska Native enrolled or Principal Tribe(s), if provided by the
applicant or borrower, or by any co-applicant or co-borrower, as
applicable in the Race Free Form Text Field for American
Indian or Alaskan Native Enrolled or Principal Tribe. For
example, enter Navajo if provided by the applicant or borrower, or
by any co-applicant or co-borrower, as applicable. Enter more
than one American Indian or Alaska Native Enrolled or Principal
Tribe, if provided by the applicant or borrower, or by any coapplicant or co-borrower, as applicable. The maximum number of
characters for this field is 100 characters, including spaces. If the
applicant or borrower, or any co-applicant or co-borrower did not
provide an American Indian or Alaska Native Enrolled or Principal
Tribe(s), leave the Race Free Form Text Field for American
Indian or Alaska Native Enrolled or Principal Tribe field blank.
RACE FREE FORM TEXT FIELD FOR OTHER ASIAN. Enter the
specific other Asian race(s) not listed above, if provided by the
applicant or borrower, or by any co-applicant or co-borrower, as
applicable in the Race Free Form Text Field for Other Asian.
For example, enter Hmong, Laotian, Thai, Pakistani, or
Cambodian, and so on, if provided by the applicant or borrower, or
by any co-applicant or co-borrower, as applicable. Enter more
than one other Asian race, if provided by the applicant or borrower,
or by any co-applicant or co-borrower, as applicable. The
maximum number of characters for this field is 100 characters,
including spaces. If the applicant or borrower, or any co-applicant

2020 REPORTABLE HMDA DATA: A REGULATORY AND REPORTING OVERVIEW REFERENCE CHART – VERSION 1, OCTOBER 10, 2019

Reporting “Not Applicable”d or “Exempt”e

Effective January 1, 2020

Data point

Regulation C
references

Description

Filing instructionsc

▪

or co-borrower, did not provide another Asian race(s), leave the
Race Free Form Text Field for Other Asian field blank.
RACE FREE FORM TEXT FIELD FOR OTHER PACIFIC
ISLANDER. Enter the specific Other Pacific Islander race(s) not
listed above, if provided by the applicant or borrower, or by any coapplicant or co-borrower, as applicable in the Race Free Form
Text Field for Other Pacific Islander. For example, enter Fijian,
or Tongan, and so on, if provided by the applicant or borrower, or
by any co-applicant or co-borrower, as applicable. Enter more
than one Other Pacific Islander race, if provided by the applicant or
borrower, or by any co-applicant or co-borrower, as applicable.
The maximum number of characters for this field is 100 characters,
including spaces. If the applicant or borrower, or any co-applicant
or co-borrower, did not provide an Other Pacific Islander race(s),
leave the Race Free Form Text Field for Other Pacific Islander
field blank.

RACE COLLECTED ON THE BASIS OF VISUAL OBSERVATION OR
SURNAME. Indicate whether the race of the applicant or borrower, or of
the first co-applicant or co-borrower, as applicable, was collected on the
basis of visual observation or surname by entering:
▪ Code 1—Collected on the basis of visual observation or surname
▪ Code 2—Not collected on the basis of visual observation or
surname
▪ Code 3—Not applicable
NOTE: Use Code 3 if the requirement to report the applicant’s or
borrower’s race does not apply to the covered loan or application
that your institution is reporting.
▪ Code 4—No co-applicant

15

2020 REPORTABLE HMDA DATA: A REGULATORY AND REPORTING OVERVIEW REFERENCE CHART – VERSION 1, OCTOBER 10, 2019

Reporting “Not Applicable”d or “Exempt”e

Effective January 1, 2020

Data point

Regulation C
references

Description

Filing instructionsc

Reporting “Not Applicable”d or “Exempt”e

NOTE: Use Code 4 in the co-applicant field if there are no coapplicants or co-borrowers.
If there is more than one co-applicant or co-borrower, provide the
required information only for the first co-applicant or co-borrower listed
on the collection form.
(18) Sex

16

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

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

SEX OF APPLICANT OR BORROWER. Indicate the sex of the
applicant or borrower, or of the first co-applicant or co-borrower, as
applicable, by entering:
▪ Code 1—Male
▪ Code 2—Female
▪ Code 3—Information not provided by applicant in mail, internet, or
telephone application
NOTE: Use Code 3 if the applicant or co-applicant does not
provide the information in an application taken by mail, internet,
or telephone.
▪ Code 4—Not applicable
NOTE: Use Code 4 if the requirement to report the applicant’s or
borrower’s sex does not apply to the covered loan or application
that your institution is reporting.
▪ Code 5—No co-applicant
NOTE: Use Code 5 in the co-applicant field if there are no coapplicants or co-borrowers.
▪ Code 6—Applicant selected both male and female
NOTE: Use Code 6 if the applicant or co-applicant selected both
male and female.

2020 REPORTABLE HMDA DATA: A REGULATORY AND REPORTING OVERVIEW REFERENCE CHART – VERSION 1, OCTOBER 10, 2019

To report not applicable, enter “Code 4” for Sex of
Applicant or Borrower and “Code 3” for Sex
Collected on the Basis of Visual Observation or
Surname for:
▪

▪

Purchased covered loans for which the financial
institution chooses not to report the applicant’s or
co-applicant’s ethnicity, race, and sex, appendix
B;
Covered loans or applications when applicant or
co-applicant is not a natural person, appendix B

NOTE: Use Code 3 if the financial institution
received the application prior to January 1, 2018,
and the financial institution chooses not to report
whether the sex of the applicant or borrower, or of
the first co-applicant or co-borrower, as applicable,
was collected on the basis of visual observation or
surname.

Effective January 1, 2020

Data point

Regulation C
references

Description

Filing instructionsc

Reporting “Not Applicable”d or “Exempt”e

If there is more than one co-applicant or co-borrower, provide the
required information only for the first co-applicant or co-borrower listed
on the collection form.
SEX COLLECTED ON THE BASIS OF VISUAL OBSERVATION OR
SURNAME. Indicate whether the sex of the applicant or borrower, or of
the first co-applicant or co-borrower, as applicable, was collected on the
basis of visual observation or surname by entering:
▪ Code 1—Collected on the basis of visual observation or surname
▪ Code 2—Not collected on the basis of visual observation or
surname
▪ Code 3—Not applicable
NOTE: Use Code 3 if the requirement to report the applicant’s or
borrower’s sex does not apply to the covered loan or application
that your institution is reporting.
▪ Code 4—No co-applicant
NOTE: Use Code 4 in the co-applicant field if there are no coapplicants or co-borrowers.
If there is more than one co-applicant or co-borrower, provide the
required information only for the first co-applicant or co-borrower listed
on the collection form.
(19) Age

17

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

Applicant’s or
borrower’s age

Enter, in numeral form, the age, in years, of the applicant or borrower,
or of the first co-applicant or co-borrower, as applicable. Age is
calculated, as of the application date, as the number of whole years
derived from the date of birth shown on the application form.
Example: If the applicant or borrower is 24 years old, enter 24.

2020 REPORTABLE HMDA DATA: A REGULATORY AND REPORTING OVERVIEW REFERENCE CHART – VERSION 1, OCTOBER 10, 2019

To report not applicable, enter “Code 8888” for:
▪ Purchased covered loans for which the financial
institution chooses not to report the applicant’s or
co-applicant’s age, Comment 4(a)(10)(ii)-3;

Effective January 1, 2020

Data point

Regulation C
references

Description

Filing instructionsc

Reporting “Not Applicable”d or “Exempt”e
▪

Or, enter:
▪ Code 8888—Not applicable
▪ Code 9999—No co-applicant
NOTE: Use Code 9999 in the co-applicant field if there are no
co-applicants or co-borrowers.

Covered loans or applications when applicant or
co-applicant is not a natural person, Comment
4(a)(10)(ii)-4

If there is more than one co-applicant or co-borrower, provide the
required information only for the first co-applicant or co-borrower listed
on the collection form.
(20) Income

18

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

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

Enter, in dollars, the 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. Round all dollar amounts to the
nearest thousand (round $500 up to the next $1,000).
Example: If the income amount is $35,500, enter 36.

2020 REPORTABLE HMDA DATA: A REGULATORY AND REPORTING OVERVIEW REFERENCE CHART – VERSION 1, OCTOBER 10, 2019

Enter “NA” for:
▪ Covered loans or applications for which the credit
decision did not consider, or would not have
considered income, § 1003.4(a)(10)(iii); Comment
4(a)(10)(iii)-6;
▪ Covered loans or applications when applicant or
co-applicant is not a natural person, Comment
4(a)(10)(iii)-7;
▪ Covered loan is secured by, or application is
proposed to be secured by, a multifamily
dwelling, Comment 4(a)(10)(iii)-8;
▪ Purchased covered loans for which the financial
institution chooses not to report the income,
Comment 4(a)(10)(iii)-9;
▪ Covered loan to, or an application from, the
institution’s employees to protect their privacy,
even if the institution relied on their income in

Effective January 1, 2020

Data point

Regulation C
references

Description

Filing instructionsc

Reporting “Not Applicable”d or “Exempt”e
making the credit decision, Comment 4(a)(10)(iii)3

(21) Type of
Purchaser

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

Type of entity that
purchased the loan

Indicate the type of entity purchasing a covered loan from your
institution within the same calendar year that your institution originated
or purchased the loan by entering:
▪ Code 0—Not applicable
▪ Code 1—Fannie Mae
▪ Code 2—Ginnie Mae
▪ Code 3—Freddie Mac
▪ Code 4—Farmer Mac
▪ Code 5—Private securitizer
▪ Code 6—Commercial bank, savings bank, or savings association
▪ Code 71—Credit union, mortgage company, or finance company
▪ Code 72—Life insurance company
▪ Code 8—Affiliate institution
▪ Code 9—Other type of purchaser

To report not applicable, enter “Code 0” for:
▪ Applications that were denied, withdrawn, closed
for incompleteness, or approved but not accepted
by the applicant, Comment 4(a)(11)-10;
▪ Preapproval requests that were denied or
approved but not accepted by the applicant,
Comment 4(a)(11)-10;
▪ Originated or purchased covered loans that the
financial institution did not sell during that same
calendar year, Comment 4(a)(11)-10

(22) Rate
Spread

§ 1003.4(a)(12),
Comments
4(a)(12)-1
through -9

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

Enter, as a percentage, to at least three (3) decimal places, the
difference between the covered loan’s annual percentage rate (APR)
and the average prime offer rate (APOR) for a comparable transaction
as of the date the interest rate is set.

Enter “NA” for:
▪ Covered loans that are assumptions, reverse
mortgages, purchased loans, or are not subject to
Regulation Z, § 1003.4(a)(12)(i); Comment
4(a)(12)-7;
▪ Applications that did not result in an origination
other than approved but not accepted, Comment
4(a)(12)-7
▪ Applications approved but not accepted, if no
disclosures under Regulation Z are required,
Comment 4(a)(12)-8

Numbers calculated to beyond three (3) decimal places may either be
reported beyond three (3) decimal places (up to fifteen (15) decimal
places), or rounded or truncated to three (3) decimal places. Decimal
place trailing zeros may either be included or omitted.
▪ If the APR exceeds the APOR, enter a positive number.
19

2020 REPORTABLE HMDA DATA: A REGULATORY AND REPORTING OVERVIEW REFERENCE CHART – VERSION 1, OCTOBER 10, 2019

Effective January 1, 2020

Data point

Regulation C
references

Description

Filing instructionsc
Example: If the APR is 3.678% and the APOR is 3.25%, enter
0.428. If the APR is 4.560% and the APOR is 4.25%, enter either
0.31 or 0.310.
▪ If the APR is less than the APOR, enter a negative number.
Example: If the APR 3.1235% and the APOR is 3.25%, enter
-0.1265. Alternatively, the rate spread may be truncated to
-0.126 or rounded to -0.127.

20

(23) HOEPA
Status

§ 1003.4(a)(13),
Comment
4(a)(13)-1

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

Indicate whether the covered loan is a high-cost mortgage under
Regulation Z, § 1026.32(a) by entering:
▪ Code 1—High-cost mortgage
▪ Code 2—Not a high-cost mortgage
▪ Code 3—Not applicable

(24) Lien Status

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

Whether the property is
a first or subordinate
lien

Indicate the lien status of the property securing the covered loan, or in
the case of an application, proposed to secure the covered loan, by
entering:
▪ Code 1—Secured by a first lien
▪ Code 2—Secured by a subordinate lien

(25) Credit
Score

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

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

CREDIT SCORE OF APPLICANT OR BORROWER. Enter, in numeral
form, the credit score, or scores relied on in making the credit decision
for the applicant or borrower, or of the first co-applicant or co-borrower,
as applicable. If Regulation C requires your institution to report a single
score that corresponds to multiple applicants or borrowers, report the
score in either the applicant field or the co-applicant field.

2020 REPORTABLE HMDA DATA: A REGULATORY AND REPORTING OVERVIEW REFERENCE CHART – VERSION 1, OCTOBER 10, 2019

Reporting “Not Applicable”d or “Exempt”e

Enter “Exempt” if, pursuant to the 2018 HMDA Final
Rule, your institution is not reporting Rate Spread.

To report not applicable, enter “Code 3” for:
▪ Covered loans not subject to the Home
Ownership and Equity Protection Act (HOEPA) of
1994, as implemented in Regulation Z,
§ 1026.32(a), § 1003.4(a)(13); Comment
4(a)(13)-1
▪ Applications that did not result in originations,
Comment 4(a)(13)-1

To report not applicable, enter “Code 8888” for
Credit Score of Applicant or Borrower or “Code 9”
for Name and Version of Credit Scoring Model for:
▪

Purchased covered loans, § 1003.4(a)(15)(i);
Comment 4(a)(15)-6;

Effective January 1, 2020

Data point

Regulation C
references

Description

Filing instructionsc
Or, enter
▪ Code 1111—Exempt
▪ Code 7777—Credit score is not a number
NOTE: Use Code 7777 if your institution relied on a credit score
that is not a number (e.g., a credit score of “Meets Threshold”).
Code 7777 should not be used if a credit scoring model that
produces numeric credit scores returns a result stating that the
credit score could not be determined.
▪ Code 8888—Not applicable
▪ Code 9999—No co-applicant
NOTE: Use Code 9999 in the co-applicant field if there are no
co-applicants or co-borrowers.
NOTE: If Regulation C requires your institution to report a single score
that corresponds to multiple applicants or borrowers, either report the
credit score in the applicant field, and use Code 8888 in the coapplicant field; or report the credit score in the co-applicant field and
use Code 8888 in the applicant field.
NAME AND VERSION OF CREDIT SCORING MODEL. Indicate the
name and version of the credit scoring model used to generate the
credit score, or scores, relied on in making the credit decision by
entering:
▪ Code 1111—Exempt
▪ Code 1—Equifax Beacon 5.0
NOTE: Use Code 1 for Equifax Beacon 5.0, which may also be
known as FICO Score 5.
▪ Code 2—Experian Fair Isaac Risk Model v2

21

2020 REPORTABLE HMDA DATA: A REGULATORY AND REPORTING OVERVIEW REFERENCE CHART – VERSION 1, OCTOBER 10, 2019

Reporting “Not Applicable”d or “Exempt”e
▪

▪

▪

Transactions for which no credit decision was
made (e.g., files closed for incompleteness, or if
an application was withdrawn before a credit
decision was made), Comment 4(a)(15)-4;
Transactions for which the credit decision was
made without relying on a credit score, Comment
4(a)(15)-5;
Covered loans or applications when applicant and
co-applicant are not natural persons, Comment
4(a)(15)-7

Enter “Code 1111” for Credit Score and Name and
Version of Credit Scoring Model if, pursuant to the
2018 HMDA Rule, your institution is not reporting
Credit Score.

Effective January 1, 2020

Data point

Regulation C
references

Description

Filing instructionsc

▪

▪

▪
▪
▪
▪

▪
▪

NOTE: Use Code 2 for Experian Fair/Isaac Risk Model v2, which
may also be known as FICO Score 2 or FICO Classic v2.
Code 3—TransUnion FICO Risk Score Classic 04
NOTE: Use Code 3 for TransUnion FICO Risk Score Classic 04,
which may also be known as FICO Score 4 or TU-04.
Code 4—TransUnion FICO Risk Score Classic 98
NOTE: Use Code 4 for TransUnion FICO Risk Score Classic 98,
which may also be known as FICO 98 or TU-98.
Code 5—VantageScore 2.0
Code 6—VantageScore 3.0
Code 7—More than one credit scoring model
Code 8—Other credit scoring model
NOTE: If Code 8 is selected in the Name and Version of Credit
Scoring Model Field, enter the specific other credit scoring model
that is not listed above in the Name and Version of Credit
Scoring Model Conditional Free Form Text Field for Code 8.
If Code 8 is not entered, leave this field blank.
Code 9—Not applicable
Code 10—No co-applicant
NOTE: Use Code 10 in the co-applicant field if there are no coapplicants or co-borrowers.

NOTE: If Regulation C requires your institution to report a single score
for a covered loan or application involving multiple applicants or
borrowers, report either (A) the name and version of the credit scoring
model, or that multiple credit scoring models were used, in the
applicant field, and use Code 9 in the co-applicant field; or (B) the
name and version of the credit scoring model, or that multiple credit

22

2020 REPORTABLE HMDA DATA: A REGULATORY AND REPORTING OVERVIEW REFERENCE CHART – VERSION 1, OCTOBER 10, 2019

Reporting “Not Applicable”d or “Exempt”e

Effective January 1, 2020

Data point

Regulation C
references

Description

Filing instructionsc

Reporting “Not Applicable”d or “Exempt”e

scoring models were used, in the co-applicant field, and use Code 9 in
the applicant field.
(26) Reason for
Denial

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

Reason(s) the
application was denied

Indicate the principal reason, or reasons, for denial by entering up to
four (4):
▪ Code 1111—Exempt
▪ Code 1—Debt-to-income ratio
▪ Code 2—Employment history
▪ Code 3—Credit history
▪ Code 4—Collateral
▪ Code 5—Insufficient cash (downpayment, closing costs)
▪ Code 6—Unverifiable information
▪ Code 7—Credit application incomplete
▪ Code 8—Mortgage insurance denied
▪ Code 9—Other
NOTE: If Code 9 is selected in any Reason for Denial field, enter
the specific other reason(s) for denial not listed above in the
Reason for Denial Conditional Free Form Text Field for Code
9. See below for more information on the Reason for Denial
Conditional Free Form Text Field for Code 9.
▪ Code 10—Not applicable
NOTE: Use Code 10 if the requirement to report reasons for
denial does not apply to the covered loan or application that your
institution is reporting. Leave the remaining Reason for Denial
data fields blank.
Do not enter the same code more than once for any covered loan or
application.

23

2020 REPORTABLE HMDA DATA: A REGULATORY AND REPORTING OVERVIEW REFERENCE CHART – VERSION 1, OCTOBER 10, 2019

To report not applicable, enter “Code 10” for
applications that were not denied (e.g., loan is
originated or purchased by the financial institution),
Comment 4(a)(16)-4
Enter “Code 1111” if, pursuant to the 2018 HMDA
Rule, your institution is not reporting the Reasons
for Denial. Leave the remaining Reason for Denial
data fields blank.

Effective January 1, 2020

Data point

Regulation C
references

Description

Filing instructionsc
If there are fewer than four principal (4) reasons for denial, leave the
remaining Reason for Denial data fields blank.
MODEL FORM. If your institution uses the model form contained in
appendix C to Regulation B, 12 CFR part 1002 (Form C–1, Sample
Notice of Action Taken and Statement of Reasons), use the following:
▪ Code 1—Income insufficient for amount of credit requested, and
Excessive obligations in relation to income
▪ Code 2—Temporary or irregular employment, and Length of
employment
▪ Code 3—Insufficient number of credit references provided;
Unacceptable type of credit references provided; No credit file;
Limited credit experience; Poor credit performance with us;
Delinquent past or present credit obligations with others; Number
of recent inquiries on credit bureau report; Garnishment,
attachment, foreclosure, repossession, collection action, or
judgment; and Bankruptcy
▪ Code 4—Value or type of collateral not sufficient
▪ Code 6—Unable to verify credit references; Unable to verify
employment; Unable to verify income; and Unable to verify
residence
▪ Code 7—Credit application incomplete
▪ Code 9—Length of residence; Temporary residence; and Other
reasons specified on the adverse action notice.
REASON FOR DENIAL CONDITIONAL FREE FORM TEXT FIELD
FOR CODE 9. The maximum number of characters for this field is 255

24

2020 REPORTABLE HMDA DATA: A REGULATORY AND REPORTING OVERVIEW REFERENCE CHART – VERSION 1, OCTOBER 10, 2019

Reporting “Not Applicable”d or “Exempt”e

Effective January 1, 2020

Data point

Regulation C
references

Description

Filing instructionsc

Reporting “Not Applicable”d or “Exempt”e

characters, including spaces. If Code 9 is not entered, leave this field
blank.
(27) Total Loan
Costs or Total
Points and Fees

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

Either total loan costs,
or total points and fees
charged

Enter either Total Loan Costs or Total Points and Fees:
▪ TOTAL LOAN COSTS. Enter, in dollars, the amount of total loan
costs. If the amount is zero, enter 0.
▪ TOTAL POINTS AND FEES. Enter, in dollars, the total points and
fees charged in connection with the covered loan. If the amount is
zero, enter 0.
Example: If the total loan costs or the total points and fees are
$2,399.04, enter 2399.04.

Enter “NA” for:
TOTAL LOAN COSTS.
▪ Applications, Comment 4(a)(17)(i)-1;
▪ Covered loans that are not subject to Regulation
Z, § 1026.43(c), § 1003.4(a)(17);
▪ Covered loans subject to Regulation Z,
§ 1026.43(c) for which a disclosure is not provided
pursuant to § 1026.19(f), § 1003.4(a)(17)
▪ Purchased covered loans for which applications
were received by the selling entity prior to the
effective date of Regulation Z, § 1026.19(f),
Comment 4(a)(17)(i)-2
TOTAL POINTS AND FEES.
▪ Applications, Comment 4(a)(17)(ii)-1;
▪ Covered loans that are not subject to Regulation
Z, § 1026.43(c), Comment 4(a)(17)(ii)-1;
▪ Covered loans subject to Regulation Z,
§ 1026.43(c) for which a disclosure is provided
pursuant to Regulation Z, § 1026.19(f),
§ 1003.4(a)(17)(ii);
▪ Purchased covered loans, Comment 4(a)(17)(ii)-1

25

2020 REPORTABLE HMDA DATA: A REGULATORY AND REPORTING OVERVIEW REFERENCE CHART – VERSION 1, OCTOBER 10, 2019

Effective January 1, 2020

Data point

Regulation C
references

Description

Filing instructionsc

Reporting “Not Applicable”d or “Exempt”e
Enter “Exempt” if, pursuant to the 2018 HMDA Rule,
your institution is not reporting Total Loan Costs or
Total Points and Fees.

(28) Origination
Charges

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

Total borrower-paid
origination charges

Enter, in dollars, the total of all itemized amounts that are designated
borrower-paid at or before closing. If the total is zero, enter 0.
Example: If the origination charges are $2,399.04, enter 2399.04.

Enter “NA” for:
▪ Applications, Comment 4(a)(18)-1;
▪ Covered loans not subject to Regulation Z,
§ 1026.19(f), § 1003.4(a)(18); Comment 4(a)(18)1;
▪ Purchased covered loans with applications that
were received by the selling entity prior to the
effective date of Regulation Z, § 1026.19(f),
Comment 4(a)(18)-2
Enter “Exempt” if, pursuant to the 2018 HMDA Rule,
your institution is not reporting Origination Charges.

(29) Discount
Points

26

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

Points paid to the
creditor to reduce the
interest rate

Enter, in dollars, the points paid to the creditor to reduce the interest
rate. If no points were paid, leave this field blank.
Example: If the amount paid for discount points is $2,399.04, enter
2399.04.

2020 REPORTABLE HMDA DATA: A REGULATORY AND REPORTING OVERVIEW REFERENCE CHART – VERSION 1, OCTOBER 10, 2019

Enter “NA” for:
Applications, Comment 4(a)(19)-1;
Covered loans not subject to Regulation Z,
§ 1026.19(f), § 1003.4(a)(19); Comment 4(a)(19)1;
▪ Purchased covered loans with applications that
were received by the selling entity prior to the
effective date of Regulation Z, § 1026.19(f),
Comment 4(a)(19)-2
▪
▪

Effective January 1, 2020

Data point

Regulation C
references

Description

Filing instructionsc

Reporting “Not Applicable”d or “Exempt”e
Enter “Exempt” if, pursuant to the 2018 HMDA Rule,
your institution is not reporting Discount Points.

(30) Lender
Credits

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

Amount of lender
credits

Enter, in dollars, the amount of lender credits. If no lender credits were
provided, leave this field blank.
Example: If the amount is $1500.24, enter 1500.24.

Enter “NA” for:
▪ Applications, Comment 4(a)(20)-1;
▪ Covered loans not subject to Regulation Z,
§ 1026.19(f), § 1003.4(a)(20); Comment 4(a)(20)1;
▪ Purchased covered loans with applications that
were received by the selling entity prior to the
effective date of Regulation Z, § 1026.19(f),
Comment 4(a)(20)-2

Enter “Exempt” if, pursuant to the 2018 HMDA Rule,
your institution is not reporting Lender Credits.

(31) Interest
Rate

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

Interest rate on the
approved application or
loan

Enter, as a percentage, to at least three (3) decimal places, the interest
rate. Numbers calculated to beyond three (3) decimal places may either
be reported beyond three (3) decimal places or rounded or truncated to
three (3) decimal places. Decimal place trailing zeros may be either
included or omitted.
Example: If the interest rate is 4.125%, enter 4.125.
If the interest rate is exactly 4.500%, enter 4.5, 4.50, or 4.500.

27

2020 REPORTABLE HMDA DATA: A REGULATORY AND REPORTING OVERVIEW REFERENCE CHART – VERSION 1, OCTOBER 10, 2019

Enter “NA” for applications that have been denied,
withdrawn, or closed for incompleteness, Comment
4(a)(21)-2
Enter “Exempt” if, pursuant to the 2018 HMDA Rule,
your institution is not reporting Interest Rate.

Effective January 1, 2020

Data point
(32)
Prepayment
Penalty Term

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

Description

Filing instructionsc

Term in months of any
prepayment penalty

Enter, in numeral form, the term, in months, of any prepayment penalty.
Example: If a prepayment penalty may be imposed within the first
24 months after closing or account opening, enter 24.

Reporting “Not Applicable”d or “Exempt”e
Enter “NA” for:
▪ Covered loans or applications that are not subject
to Regulation Z, § 1026, § 1003.4(a)(22);
Comment 4(a)(22)-1;
▪ Covered loans or applications that have no
prepayment penalty, Comment 4(a)(22)-2
Enter “Exempt” if, pursuant to the 2018 HMDA Rule,
your institution is not reporting Prepayment Penalty
Term.

(33) Debt-toIncome Ratio

28

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

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

Enter, as a percentage, the ratio of the applicant’s or borrower’s total
monthly debt to the total monthly income relied on in making the credit
decision. Use decimal places only if the ratio relied upon uses decimal
places. The HMDA Platform can accept up to fifteen (15) decimal
places and can accept negative numbers for Debt-to-Income Ratio.
Example: If the relied upon debt-to-income ratio is 42.95, enter
42.95, not 43. If, however, your institution rounded the ratio up to
43% and relied on the rounded-up number, enter 43.

2020 REPORTABLE HMDA DATA: A REGULATORY AND REPORTING OVERVIEW REFERENCE CHART – VERSION 1, OCTOBER 10, 2019

Enter “NA” for:
▪ Purchased covered loans, § 1003.4(a)(23);
Comment 4(a)(23)-7;
▪ Transactions for which no credit decision was
made (e.g., files closed for incompleteness, or if
an application was withdrawn before a credit
decision was made), Comment 4(a)(23)-3;
▪ Transactions for which the credit decision was
made without relying on debt-to-income ratio,
Comment 4(a)(23)-4;
▪ Covered loans or applications when applicant and
co-applicant are not natural persons, Comment
4(a)(23)-5;
▪ Covered loan secured by, or an application
proposed to be secured by, a multifamily dwelling,
Comment 4(a)(23)-6

Effective January 1, 2020

Data point

Regulation C
references

Description

Filing instructionsc

Reporting “Not Applicable”d or “Exempt”e
Enter “Exempt” if, pursuant to the 2018 HMDA Rule,
your institution is not reporting Debt-to-Income-Ratio.

(34) Combined
Loan-to-Value
Ratio

§ 1003.4(a)(24),
Comments
4(a)(24)-1
through -6

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

Enter, as a percentage, the ratio of the total amount of debt secured by
the property to the value of the property relied on in making the credit
decision. Use decimal places only if the ratio relied upon uses decimal
places. The HMDA Platform can accept up to fifteen (15) decimal
places for the Combined Loan-to-Value Ratio.
Example: If the relied upon combined loan-to-value ratio is 80.05,
enter 80.05, not 80. If, however, your institution rounded the ratio
down to 80 and relied on the rounded-down number, enter 80.

Enter “NA” for:
▪ Purchased covered loans, § 1003.4(a)(24);
Comment 4(a)(24)-5;
▪ Transactions for which no credit decision was
made (e.g., files closed for incompleteness, or if
an application was withdrawn before a credit
decision was made), Comment 4(a)(24)-3;
▪ Transactions for which the credit decision was
made without relying on combined loan-to-value
ratio, Comment 4(a)(24)-4
Enter “Exempt” if, pursuant to the 2018 HMDA Rule,
your institution is not reporting Combined Loan-toValue Ratio.

(35) Loan Term

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

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

Enter, in numeral form, the number of months after which the legal
obligation will mature or terminate, or would have matured or
terminated.
Example: If the loan term is 360 months, enter 360.

Enter “NA” for covered loan or application without a
definite term, such as a reverse mortgage, Comment
4(a)(25)-5
Enter “Exempt” if, pursuant to the 2018 HMDA Rule,
your institution is not reporting Loan Term.

(36) Introductory
Rate Period

29

§ 1003.4(a)(26),
Comments
4(a)(26)-1
through -5

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

Enter, in numeral form, the number of months, or proposed number of
months in the case of an application, until the first date the interest rate
may change after closing or account opening.
Example: If the introductory rate period is 24 months, enter 24.

2020 REPORTABLE HMDA DATA: A REGULATORY AND REPORTING OVERVIEW REFERENCE CHART – VERSION 1, OCTOBER 10, 2019

Enter “NA” for:
▪ Covered loan or application with a fixed rate,
Comment 4(a)(26)-3;

Effective January 1, 2020

Data point

Regulation C
references

Description

Filing instructionsc

Reporting “Not Applicable”d or “Exempt”e
▪

Purchased covered loan with a fixed rate,
Comment 4(a)(26)-4
Enter “Exempt” if, pursuant to the 2018 HMDA Rule,
your institution is not reporting Introductory Rate
Period.

(37) NonAmortizing
Features

30

§ 1003.4(a)(27),
Comment
4(a)(27)-1

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

BALLOON PAYMENT. Indicate whether the contractual terms include,
or would have included, a balloon payment by entering:
▪ Code 1111—Exempt
▪ Code 1—Balloon payment
▪ Code 2—No balloon payment
INTEREST-ONLY PAYMENTS. Indicate whether the contractual terms
include, or would have included, interest-only payments by entering:
▪ Code 1111—Exempt
▪ Code 1—Interest-only payments
▪ Code 2—No interest-only payments
NEGATIVE AMORTIZATION. Indicate whether the contractual terms
include, or would have included, a term that would cause the covered
loan to be a negative amortization loan by entering:
▪ Code 1111—Exempt
▪ Code 1—Negative amortization
▪ Code 2—No negative amortization
OTHER NON-AMORTIZING FEATURES. Indicate whether the
contractual terms include, or would have included, any term, other than
those described in § 1003.4(a)(27)(i), (ii), and (iii) that would allow for
payments other than fully amortizing payments during the loan term by
entering:
▪ Code 1111—Exempt

2020 REPORTABLE HMDA DATA: A REGULATORY AND REPORTING OVERVIEW REFERENCE CHART – VERSION 1, OCTOBER 10, 2019

Enter “Code 1111” for Balloon Payment, InterestOnly Payments, Negative Amortization, and Other
Non-Amortizing Features if, pursuant to the 2018
HMDA Rule, your institution is not reporting NonAmortizing Features.

Effective January 1, 2020

Data point

Regulation C
references

Description

Filing instructionsc
▪
▪

(38) Property
Value

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

Value of the property
relied on that secures
the loan

Reporting “Not Applicable”d or “Exempt”e

Code 1—Other non-fully amortizing features
Code 2—No other non-fully amortizing features

Enter, in dollars, the value of the property securing the covered loan or,
in the case of an application, proposed to secure the covered loan,
relied on in making the credit decision.
Example: If the property value is $350,500, enter 350500.

Enter “NA” for:
▪ Transactions for which no credit decision was
made (e.g., files closed for incompleteness, or if
an application was withdrawn before a credit
decision was made), Comment 4(a)(28)-3;
▪ Transactions for which the credit decision was
made without relying on property value, Comment
4(a)(28)-4
Enter “Exempt” if, pursuant to the 2018 HMDA Rule,
your institution is not reporting Property Value.

31

(39)
Manufactured
Home Secured
Property Type

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

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

Indicate whether the covered loan or application is, or would have
been, secured by a manufactured home and land, or by a
manufactured home and not land, by entering:
▪ Code 1111—Exempt
▪ Code 1—Manufactured home and land
▪ Code 2—Manufactured home and not land
▪ Code 3—Not applicable

(40)
Manufactured

§ 1003.4(a)(30),

Information about the
applicant’s or

Indicate the applicant’s or borrower’s land property interest in the land
on which a manufactured home is, or will be, located by entering:
▪ Code 1111—Exempt

2020 REPORTABLE HMDA DATA: A REGULATORY AND REPORTING OVERVIEW REFERENCE CHART – VERSION 1, OCTOBER 10, 2019

To report not applicable, enter “Code 3” for:
▪ The dwelling related to the property identified is
not a manufactured home, § 1003.4(a)(29);
Comment 4(a)(29)-4
▪ The dwelling related to the property identified is a
manufactured home community that is a
multifamily dwelling, Comment 4(a)(29)-2;
Comment 4(a)(29)-4
Enter “Code 1111” if, pursuant to the 2018 HMDA
Rule, your institution is not reporting Manufactured
Home Secured Property Type.
To report not applicable, enter “Code 5” for:

Effective January 1, 2020

Data point
Home Land
Property Interest

Regulation C
references
Comments
4(a)(30)-1
through -6

Description

Filing instructionsc

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

▪
▪
▪
▪
▪

Code 1—Direct ownership
Code 2—Indirect ownership
Code 3—Paid leasehold
Code 4—Unpaid leasehold
Code 5—Not applicable

Reporting “Not Applicable”d or “Exempt”e
▪

▪

▪

The dwelling related to the property identified is
not a manufactured home, § 1003.4(a)(30);
Comment 4(a)(30)-6
The dwelling related to the property identified is a
manufactured home community that is a
multifamily dwelling, Comment 4(a)(30)-4;
Comment 4(a)(30)-6
A location for the manufactured home related to a
covered loan or application has not been
identified, § 1003.4(a)(30); Comment 4(a)(9)-5
Enter “Code 1111” if, pursuant to the 2018 HMDA
Rule, your institution is not reporting Manufactured
Home Land Property Interest.

32

(41) Total Units

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

Number of individual
dwelling units related
to the property

Enter, in numeral form, the number of individual dwelling units related
to the property securing the covered loan or, in the case of an
application, proposed to secure the covered loan.
Example: If there are five (5) individual dwelling units, enter 5.

(42) Multifamily
Affordable Units

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

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

Enter, in numeral form, the number of individual dwelling units related
to any multifamily dwelling property securing the covered loan or, in the
case of an application, proposed to secure the covered loan, that are
income-restricted pursuant to Federal, State, or local affordable
housing programs.
Example: If there are five (5) multifamily affordable units, enter 5.

2020 REPORTABLE HMDA DATA: A REGULATORY AND REPORTING OVERVIEW REFERENCE CHART – VERSION 1, OCTOBER 10, 2019

Enter “NA” for covered loans or applications where
the property securing the covered loan or, in the
case of an application, proposed to secure the
covered loan is not a multifamily dwelling,
§ 1003.4(a)(32); Comment 4(a)(32)-6

Effective January 1, 2020

Data point

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

Regulation C
references

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

Description

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

Filing instructionsc

Reporting “Not Applicable”d or “Exempt”e

NOTE: Enter “0” for a covered loan or application related to a
multifamily dwelling that does not contain any such income-restricted
individual dwelling units.

Enter “Exempt” if, pursuant to the 2018 HMDA Rule,
your institution is not reporting Multifamily Affordable
Units.

SUBMISSION OF APPLICATION. Indicate whether the applicant or
borrower submitted the application directly to your institution by
entering:
▪ Code 1111—Exempt
▪ Code 1—Submitted directly to your institution
▪ Code 2—Not submitted directly to your institution
▪ Code 3—Not applicable

To report not applicable for Submission of
Application, enter “Code 3”
▪ Purchased covered loans, § 1003.4(a)(33);

INITIALLY PAYABLE TO YOUR INSTITUTION. Indicate whether the
obligation arising from the covered loan was, or, in the case of an
application, would have been, initially payable to your institution by
entering:
▪ Code 1111—Exempt
▪ Code 1—Initially payable to your institution
▪ Code 2—Not initially payable to your institution
▪ Code 3—Not applicable

(44) Mortgage
Loan Originator
NMLSR
Identifier

33

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

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

Enter the Nationwide Mortgage Licensing System and Registry
mortgage loan originator unique identifier (NMLSR ID) for the mortgage
loan originator.
Example: If the NMLSR ID for the mortgage loan originator is
123450, enter 123450.

2020 REPORTABLE HMDA DATA: A REGULATORY AND REPORTING OVERVIEW REFERENCE CHART – VERSION 1, OCTOBER 10, 2019

To report not applicable for Initially Payable to Your
Institution, enter “Code 3”
▪ Purchased covered loans, § 1003.4(a)(33);
▪ Applications that were withdrawn, denied, or
closed for incompleteness, if the institution had
not determined whether the covered loans would
have been initially payable to the institution
reporting the applications, Comment 4(a)(33)(ii)-2
Enter “Code 1111” if, pursuant to the 2018 HMDA
Rule, your institution is not reporting Submission of
Application and Initially Payable to Your
Institution.
Enter “NA” for:
▪ Covered loans or applications in which the
mortgage loan originator is not required to obtain
and has not been assigned an NMLSR identifier,
Comment 4(a)(34)-2.
Enter “NA” or voluntarily report the NMLSR ID for:

Effective January 1, 2020

Data point

Regulation C
references

Description

Filing instructionsc

Reporting “Not Applicable”d or “Exempt”e
▪

▪

Purchased covered loans that satisfy the
coverage criteria of Regulation Z, § 1026.36(g)
and were originated prior to January 10, 2014,
Comment 4(a)(34)-4;
Purchased covered loans that do not satisfy the
coverage criteria of Regulation Z, § 1026.36(g)
and were originated prior to January 1, 2018,
Comment 4(a)(34)-4.

Enter “Exempt” if, pursuant to the 2018 HMDA Rule,
your institution is not reporting Mortgage Loan
Originator NMLSR Identifier.
(45) Automated
Underwriting
System

34

§ 1003.4(a)(35),
Comments
4(a)(35)-1
through -7

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

AUTOMATED UNDERWRITING SYSTEM. Indicate the automated
underwriting system(s) (AUS) used by your institution to evaluate the
application by entering up to five (5) of the following:
▪ Code 1111—Exempt
▪ Code 1—Desktop Underwriter (DU)
▪ Code 2—Loan Prospector (LP) or Loan Product Advisor
▪ Code 3—Technology Open to Approved Lenders (TOTAL)
Scorecard
▪ Code 4—Guaranteed Underwriting System (GUS)
▪ Code 5—Other
NOTE: If Code 5 is selected in any Automated Underwriting
System field, enter the name of the specific other AUS(s) not
listed above in the AUS Conditional Free Form Text Field for
Code 5. See below for more information on the AUS
Conditional Free Form Text Field for Code 5.

2020 REPORTABLE HMDA DATA: A REGULATORY AND REPORTING OVERVIEW REFERENCE CHART – VERSION 1, OCTOBER 10, 2019

To report not applicable, enter “Code 6” for
Automated Underwriting System and “Code 17”
for Automated Underwriting System Result for:
▪ Purchased covered loans, § 1003.4(a)(35);
Comment 4(a)(35)-5;
▪ Transactions for which an AUS, as defined in
§ 1003.4(a)(35)(ii), was not used to evaluate the
application, Comment 4(a)(35)-2 and -4;
▪ Covered loans or applications when applicant and
co-applicant are not natural persons, Comment
4(a)(35)-6
Enter “Code 1111” for Automated Underwriting
System and Automated Underwriting System
Result if, pursuant to the 2018 HMDA Rule, your

Effective January 1, 2020

Data point

Regulation C
references

Description

Filing instructionsc

Reporting “Not Applicable”d or “Exempt”e

▪

institution is not reporting Automated Underwriting
System.

Code 6—Not applicable

NOTE: If fewer than five (5) automated underwriting systems were
used by your institution to evaluate the application or if Code 6 is
selected, leave the remaining Automated Underwriting System data
fields blank.
AUS CONDITIONAL FREE FORM TEXT FIELD FOR CODE 5. Enter
more than one other Automated Underwriting System, as applicable.
The maximum number of characters for this field is 255 characters,
including spaces. If Code 5 is not entered, leave this field blank.
AUTOMATED UNDERWRITING SYSTEM RESULT. Indicate the
result(s) generated by the automated underwriting system (AUS)
previously indicated by entering:
▪ Code 1111 —Exempt
▪ Code 1—Approve/Eligible
▪ Code 2—Approve/Ineligible
▪ Code 3—Refer/Eligible
▪ Code 4—Refer/Ineligible
▪ Code 5—Refer with Caution
▪ Code 6—Out of Scope
▪ Code 7—Error
▪ Code 8—Accept
▪ Code 9—Caution
▪ Code 10—Ineligible
▪ Code 11—Incomplete
▪ Code 12—Invalid

35

2020 REPORTABLE HMDA DATA: A REGULATORY AND REPORTING OVERVIEW REFERENCE CHART – VERSION 1, OCTOBER 10, 2019

Effective January 1, 2020

Data point

Regulation C
references

Description

Filing instructionsc
▪
▪
▪
▪

▪

▪
▪
▪
▪
▪
▪
▪

Code 13—Refer
Code 14—Eligible
Code 15—Unable to Determine
Code 16—Other
NOTE: If Code 16 is selected in an Automated Underwriting
System Result field, enter the specific other AUS result(s) not
listed above in the AUS Result Conditional Free Form Text
Field for Code 16. See below for more information on the AUS
Result Conditional Free Form Text Field for Code 16.
Code 17—Not applicable
NOTE: Use Code 17 if the requirement to report an AUS result
does not apply to the covered loan or application that your
institution is reporting. Leave the remaining Automated
Underwriting System Result data fields blank.
Code 18—Accept/Eligible
Code 19—Accept/Ineligible
Code 20—Accept/Unable to Determine
Code 21—Refer with Caution/Eligible
Code 22—Refer with Caution/Ineligible
Code 23—Refer/Unable to Determine
Code 24—Refer with Caution/Unable to Determine

For the following AUS results returned, use the following Codes for
these AUS:
▪ Federal National Mortgage Association (Fannie Mae) commonly
returns results that correspond to Codes 1, 2, 3, 4, 5, 6, 7, or 15. If
your result(s) differ, report the AUS result(s) received.

36

2020 REPORTABLE HMDA DATA: A REGULATORY AND REPORTING OVERVIEW REFERENCE CHART – VERSION 1, OCTOBER 10, 2019

Reporting “Not Applicable”d or “Exempt”e

Effective January 1, 2020

Data point

Regulation C
references

Description

Filing instructionsc

Reporting “Not Applicable”d or “Exempt”e

▪

Federal Home Loan Mortgage Corporation (Freddie Mac)
commonly returns results that correspond to Codes 8, 9, 10, 11,
12, or 13. If more than one result is returned on the Feedback
Certificate, report the Risk Class result. If your result(s) differ,
report the AUS result(s) received.
▪ FHA TOTAL Scorecard commonly returns results that correspond
to Codes 1, 2, 3, 4, 8, 13, 18 and 19. If your results differ, report
the AUS result(s) received.
▪ GUS commonly returns results that correspond to Codes 3, 4, 10,
15, 18, 19, 20, 21, 22, 23 or 24. If your result(s) differ, report the
AUS result(s) received.
NOTE: If fewer than five (5) results were generated by the automated
underwriting system(s) previously indicated or Code 17 is used, leave
the remaining Automated Underwriting System Result data fields blank.
AUS RESULT CONDITIONAL FREE FORM TEXT FIELD FOR CODE
16. Enter more than one other Automated Underwriting System Result,
as applicable. The maximum number of characters for this field is 255
characters, including spaces. If Code 16 is not entered, leave this field
blank.
(46) Reverse
Mortgage

37

§ 1003.4(a)(36)

Indicator of whether
the transaction is for a
reverse mortgage

Indicate whether the covered loan is, or the application is for, a reverse
mortgage by entering:
▪ Code 1111 —Exempt
▪ Code 1—Reverse mortgage
▪ Code 2—Not a reverse mortgage

2020 REPORTABLE HMDA DATA: A REGULATORY AND REPORTING OVERVIEW REFERENCE CHART – VERSION 1, OCTOBER 10, 2019

Enter “Code 1111” if, pursuant to the 2018 HMDA
Rule, your institution is not reporting Reverse
Mortgage.

Effective January 1, 2020

Regulation C
references

Description

Filing instructionsc

Reporting “Not Applicable”d or “Exempt”e

(47) Open-End
Line of Credit

§ 1003.4(a)(37),
Comment
4(a)(37)-1

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

Indicate whether the covered loan is, or the application is for, an openend line of credit by entering:
▪ Code 1111 —Exempt
▪ Code 1—Open-end line of credit
▪ Code 2—Not an open-end line of credit

Enter “Code 1111” if, pursuant to the 2018 HMDA
Rule, your institution is not reporting Open-End Line
of Credit.

(48) Business or
Commercial
Purpose

§ 1003.4(a)(38),
Comment
4(a)(38)-1

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

Indicate whether the covered loan is, or the application is for a covered
loan that will be made, primarily for a business or commercial purpose
by entering:
▪ Code 1111 —Exempt
▪ Code 1—Primarily for a business or commercial purpose
▪ Code 2—Not primarily for a business or commercial purpose

Enter “Code 1111” if, pursuant to the 2018 HMDA
Rule, your institution is not reporting Business or
Commercial Purpose.

Data point

a

This chart combines information from the previous Summary of Reportable Data Chart and Reporting “Not Applicable” Chart and the 2020 Filing Instructions Guide. This chart does not contain information about
the submission process or procedures. This chart summarizes requirements under HMDA and Regulation C and does not itself establish any binding obligations. It is intended only as a 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.
b HMDA filers should report the data points described in the 2015 HMDA Rule and the 2017 HMDA Rule, as modified by the 2019 HMDA Rule, which implements and clarifies the requirements of the Economic
Growth, Regulatory Relief, and Consumer Protection Act for insured depository institutions and insured credit unions reporting transactions covered by a partial exemption.
c This column provides the information from Section 4.2 of the 2020 Filing Instructions Guide. Further information can be found in the 2020 Filing Instructions Guide. Some information may not be presented exactly
as in the 2020 Filing Instructions Guide. This chart is not a substitute for the 2020 Filing Instructions Guide, which should be consulted.
d The “not applicable” portion of this column details the information provided in Regulation C about when a data point is considered not applicable and the appropriate code found in the 2020 Filing Instructions Guide
to signify it. If more information is needed, please review the rule and commentary specified and the 2020 Filing Instructions Guide.
e The “exempt” portion of this column details when a data point is exempt for insured depository institutions and insured credit unions reporting transactions covered by a partial exemption under the Economic
Growth, Regulatory Relief, and Consumer Protection Act and the appropriate code found in the 2020 Filing Instructions Guide to signify it.

38

2020 REPORTABLE HMDA DATA: A REGULATORY AND REPORTING OVERVIEW REFERENCE CHART – VERSION 1, OCTOBER 10, 2019