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

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

- When Integrated Disclosure Purpose is 'Purchase', Loan Purpose defaults to '1 = Home Purchase'.
- When Type of Loan is 'Modification' and the Integrated Disclosure Purpose is not 'Purchase', Loan Purpose defaults to ''4 = Other’.
- When Type of Loan is 'New' and Integrated Disclosure Purpose is not 'Purchase' and Construction Type is not ‘Improvement’, Loan Purpose defaults to '4 = Other'.
- When Type of Loan is 'Refinance' and Purpose Type is ‘No Cash-Out Refinance’ or ‘Limited Cash-Out Refinance’, Loan Purpose defaults to '31 = Refinancing'.
- When Type of Loan is 'Refinance' and Purpose Type is ‘Cash-Out Home Improvement’, Loan Purpose defaults to ‘2 = Home Improvement’.
- When Type of Loan is 'Refinance' and Purpose Type is ‘Cash-Out Refinance’ or ‘Cash-Out Debt Consolidation’, Loan Purpose defaults to '32 = Cash-out refinancing'.
- When Construction Type is 'Improvement' and Integrated Disclosure Purpose is not ‘Purchase’, Loan Purpose defaults to '2 = Home Improvement'.
- When Preapproval is 'Preapproval Requested', Loan Purpose defaults to '1 = Home Purchase'.