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# I am reviewing the HMDA LAR Record report for a transaction for which HMDA Applies is selected. Where in the workflow do I navigate to edit a specific field from this report?

Note: In the table below, fields with an asterisk (*) indicate the field is included in the list of partially exempt fields under Senate Bill 2155 and may include a special exempt code (1111 or Exempt) when reporting to the Bureau of Consumer Financial Protection.

Table 1. HMDA LAR Record Entries
HMDA LAR Record | Workflow Location
--- | ---
Loan Identification Information |
Universal Loan Identifier (ULI) * | Universal Loan Identifier (ULI) within the Loan Definition section on the Loan Definition page.
Legal Entity Identifier (LEI) | Legal Entity Identifier within the Charter section for your Organization in administration.
Application/Loan# | Loan Number within the Loan Definition section on the Loan Definition page.
Universal Loan Identifier (ULI) | Universal Loan Identifier (ULI) within the Loan Definition section on the Loan Definition page.
Legal Entity Identifier (LEI) | Legal Entity Identifier within the Charter section for your Organization in administration.
Application/Loan# | Loan Number within the Loan Definition section on the Loan Definition page.
Mortgage Loan Originator NMLSR Identifier * | NMLS ID within the Individual Contact Information section for the Loan Officer in administration.
Federal Agency | Federal Regulator within the Charter section for your Organization in administration.
Loan Information |
Date Application Received | Application Received Date within the General Information section on the Loan Definition page.
Loan Type | Type of Mortgage within the Loan Definition section on the Loan Definition page.
Loan Purpose | Loan Purpose within the HMDA area in the Loan Definition section on the Loan Definition page.
Loan Amount | Loan Amount within the Calculation Results section of the Calculations page.
Action Taken | Action Taken within the Origination/Disposition area in the Underwriting Information section on the Calculations page.
Action Taken Date | Action Taken Date within the Origination/Disposition area in the Underwriting Information section on the Calculations page.
Type of Purchaser | Type of Purchaser within the Origination/Disposition area in the Underwriting Information section on the Calculations page.
Preapproval | Preapproval within the HMDA area in the Loan Definition section on the Loan Definition page.
Loan Term (In Months) * | Number of Payments as a monthly equivalent within the Terms of the Loan section on the Calculations page.
Prepayment Penalty Term | Always NA as prepayment penalties are not supported.
Prepayment Penalty Term | The Prepayment Penalty Months Term, entered in the Late Fee – Prepayment Penalty section on Document Data when residential real estate collateral is located in Rhode Island and Prepayment Penalty Applies is selected in the Fees section on the Calculations page.
Introductory Rate Period (In Months) * | Initial Rate Hold Term, expressed in months, within the Rate Information section on the Calculations page.
HOEPA Status | Reg Z Section 32 Applies within the Transaction Data section on the Document Data page.
Lien Status | Organization's Lien Position within the Collateral Information section on Collateral details.
Submission of Application * | Submission of Application within the HMDA area in the Loan Definition section on the Loan Definition page.
Initially Payable to Your Institution * | Initially Payable to Your Institution within the Origination/Disposition area in the Underwriting Information section on the Calculations page.
Balloon Payment * | Determined based on the Repayment Method selected within the Terms of Loan section on the Calculations page.
Reverse Mortgage * | Always 2 (Not a reverse mortgage) as reverse mortgages are not supported.
Interest Only Payments * | Repayment Method within the Terms of Loan section on the Calculations page.
Open End Line of Credit * | Always 2 (Not an open-end line of credit) as open-end lines of credit are not supported.
Negative Amortization * | Always 2 (No negative amortization) as negative amortization is not supported.
Business or Commercial Purpose * | Business or Commercial Purpose within the HMDA area in the Loan Definition section on the Loan Definition page.
Other Non-amortizing Features * | Always 2 (No other non-fully amortizing features) as other non-amortizing features are not supported.
Property Information |
Street Address* | Address within the Location section on Collateral Details.
City* | City within the Location section on Collateral Details.
State | State within the Location section on Collateral Details.
ZIP Code* | Postal Code within the Location section on Collateral Details.
County | County 5 within the Reported Collateral section on the Collateral page.
Census Tract | Census Tract 11 within the Reported Collateral section on the Collateral page.
Occupancy Type | Occupancy Status Type within the Collateral Information section on Collateral details.
Construction Method | Construction Method within the Collateral Information section on Collateral details.
Manufactured Home Secured Property Type * | Manufactured Home Secured Property Type within the Collateral Information section on Collateral details.
Manufactured Home Land Property Interest * | Manufactured Home Land Property Interest within the Collateral Information section on Collateral details.
Property Value * | The lesser of the Sales Price or the Appraised Value of the property in the Collateral Information section in Collateral details unless Exclude Property Value for HMDA is selected in the Reported Collateral section on the Collateral page.
Total Units | # of Units within the Collateral Information section on Collateral details.
Multifamily Affordable Units * | Always NA as multifamily collateral not supported at this time.
Applicant or Borrower |
Applicant or Borrower Name | First Name, Middle Name, Last Name and Suffix within the Individual Information section of the Borrower on the Parties page.
Sex Collected on the Basis of Visual Observation or Surname | Collected on the Basis of Visual Observation or Surname within the Sex area of the Demographics link for the Borrower on the Parties page.
Sex | Sex area within the Demographics link for the Borrower on the Parties page.
Age | Determined based on the Date of Birth entered for the Borrower on the Parties page and the Application Received Date entered on the Loan Definition page.
Race Collected on the Basis of Visual Observation or Surname | Collected on the Basis of Visual Observation or Surname within the Race area of the Demographics link for the Borrower on the Parties page.
Race | Race area within the Demographics link for the Borrower on the Parties page.
Enrolled or Principal Tribe | Race area within the Demographics link for the Borrower on the Parties page.
Other Asian Race | Race area within the Demographics link for the Borrower on the Parties page.
Other Pacific Islander Race | Race area within the Demographics link for the Borrower on the Parties page.
Ethnicity Collected on the Basis of Visual Observation or Surname | Collected on the Basis of Visual Observation or Surname within the Ethnicity area of the Demographics link for the Borrower on the Parties page.
Ethnicity | Ethnicity area within the Demographics link for the Borrower on the Parties page.
Other Hispanic or Latino Ethnicity | Ethnicity area within the Demographics link for the Borrower on the Parties page.
Co-Applicant or Co-Borrower |
Co-Applicant or Co-Borrower Name | First Name, Middle Name, Last Name and Suffix within the Individual Information section of the second Borrower on the Parties page.
Sex Collected on the Basis of Visual Observation or Surname | Collected on the Basis of Visual Observation or Surname within the Sex area of the Demographics link for the second Borrower on the Parties page.
Sex | Sex area within the Demographics link for the second Borrower on the Parties page.
Age | Determined based on the Date of Birth entered for the second Borrower on the Parties page and the Application Received Date entered on the Loan Definition page.
Race Collected on the Basis of Visual Observation or Surname | Collected on the Basis of Visual Observation or Surname within the Race area of the Demographics link for the second Borrower on the Parties page.
Race | Race area within the Demographics link for the second Borrower on the Parties page.
Enrolled or Principal Tribe | Race area within the Demographics link for the second Borrower on the Parties page.
Other Asian Race | Race area within the Demographics link for the second Borrower on the Parties page.
Other Pacific Islander Race | Race area within the Demographics link for the second Borrower on the Parties page.
Ethnicity Collected on the Basis of Visual Observation or Surname | Collected on the Basis of Visual Observation or Surname within the Ethnicity area of the Demographics link for the second Borrower on the Parties page.
Ethnicity | Ethnicity area within the Demographics link for the second Borrower on the Parties page.
Other Hispanic or Latino Ethnicity | Ethnicity area within the Demographics link for the second Borrower on the Parties page.
Underwriting Information |
Income (in thousands) | The total monthly income including Base Income of all Borrowers on the transaction.
Debt to Income Ratio * | Debt to Income within the Ratios area in the Calculation Results section of the Calculations page.
Combined Loan-to-Value Ratio * | CLTV within the Ratios area in the Calculation Results section of the Calculations page.
Applicant or Borrower Credit Score * | Credit Score Used in Interface within the Credit Report section for the Borrower on the Financial Analysis page.
Co-Applicant or Co-Borrower Credit Score * | Credit Score Used in Interface within the Credit Report section for the second Borrower on the Financial Analysis page.
Applicant or Borrower Name and Version of Credit Scoring Model * | HMDA Credit Scoring Model within the Credit Report section for the Borrower on the Financial Analysis page.
Applicant or Borrower Other Credit Scoring Model | Description collected within the Credit Report section for the Borrower on the Financial Analysis page when HMDA Credit Scoring Model is 8 = Other credit scoring model.
Co-Applicant or Co-Borrower Name and Version of Credit Scoring Model * | HMDA Credit Scoring Model within the Credit Report section for the second Borrower on the Financial Analysis page.
Co-Applicant or Co-Borrower Other Credit Scoring Model | Description collected within the Credit Report section for the second Borrower on the Financial Analysis page when HMDA Credit Scoring Model is 8 = Other credit scoring model.
Automated Underwriting System * | System within the Automated Underwriting area in the Underwriting Information section on the Calculations page.
Automated Underwriting System Result * | Results within the Automated Underwriting area in the Underwriting Information section on the Calculations page.
Reasons for Denial * | Reasons for Denial within the Origination/Disposition area in the Underwriting Information section on the Calculations page when Action Taken is 3 = Application denied or 7 = Preapproval request denied.
Other Denial Reason | Reasons for Denial Description within the Origination/Disposition area in the Underwriting Information section on the Calculations page when the Reasons for Denial is 9 = Other.
Pricing Data |
Interest Rate * | Interest Rate/Initial Rate (Calculated) within the Rate Information section on the Calculations page.
Origination Charges * | The total disclosed on Line A on page 2 of the Closing Disclosure when Action Taken is 1 = Loan originated or 6 = Purchased loan otherwise NA.
Discount Points * | The total disclosed on Line A.01 on page 2 of the Closing Disclosure when Action Taken is either (1) Loan Originated or (6) Purchased Loan), otherwise NA.
Lender Credits * | The total disclosed in the second row under Line J on page 2 of the Closing Disclosure when Action Taken is either (1) Loan Originated or (6) Purchased Loan), otherwise NA.
Total Points and Fees * | Always NA as all transactions are subject to Regulation Z’s Closing Disclosure requirements. See 12 CFR 1003.4(a)(17)(ii) for additional information.
Total Loan Costs * | The total disclosed on Line D on page 2 of the Closing Disclosure when Action Taken is either (1) Loan Originated or (6) Purchased Loan, otherwise NA.
Rate Spread * | Rate Spread within the Rate Spread section on the Calculations page.