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# How do the selections made on the Loan Definition page determine the Loan Purpose in the HMDA section?

The Loan Purpose in the HMDA section defaults based on the following characteristics set on the Loan Definition page:

- When Purchase is selected for the Integrated Disclosure Purpose, 1 = Home Purchase defaults for the Loan Purpose.

- When Modification is selected for the Type of Loan, and the Integrated Disclosure Purpose is not Purchase, 4 = Other defaults for the Loan Purpose.

- When New is selected for the Type of Loan, Integrated Disclosure Purpose is not Purchase and Construction Type is not Improvement, 4 = Other defaults for the Loan Purpose.

- When Refinance is selected for the Type of Loan, and No Cash-Out Refinance or Limited Cash-Out Refinance is selected for the Purpose Type, 31 = Refinancing defaults for the Loan Purpose.

- When Refinance is selected for the Type of Loan and Cash-Out Home Improvement is selected for the Purpose Type, 2 = Home Improvement defaults for the Loan Purpose.

- When Refinance is selected for the Type of Loan and Cash-Out Refinance or Cash-Out Debt Consolidation is selected for the Purpose Type, 32 = Cash-out refinancing defaults for the Loan Purpose.

- When Improvement is selected for the Construction Type, and the Integrated Disclosure Purpose is not Purchase, 2 = Home Improvement defaults to for the Loan Purpose.

- When Preapproval Requested is selected for Preapproval, 1 = Home Purchase defaults as the Loan Purpose.