Home Mortgage Disclosure Act

All articles with unsourced statements Articles with unsourced statements from July Bank regulation in the United States. HMDA grew out of public concern over credit shortages in certain urban neighborhoods. However, if a certain ethnic group is less likely to "shop around" for the best rate, then the mere application of this principal - which is otherwise non-discriminatory in intent - can produce discriminatory effects. This page was last edited on 13 Septemberat

Frequently Asked Questions (FAQs)

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See the HMDA-LAR instructions for explanations regarding the proper use of each code listed below. Application or Loan Information. Type: (C) 1 -- Conventional (any loan other than FHA, VA, or FmHA loans. LOAN/APPLICATION REGISTER. HMDA Reporting Forms Institutions reporting 25 loans or less may submit their HMDA data using the hardcopy Loan Application Register (LAR) and Transmittal Sheet (TS). The LAR Code Sheet identifies the proper codes used for reporting. FR HMDA-LAR The Home Mortgage Disclosure Act/Loan Application Register Description: This report takes the form of a register of mortgage and home improvement loan applications and their disposition during a calendar year.

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