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  2. HMDA Reporting
  3. Can I manually look up the geocoding information?
  • HMDA Reporting
    • How do I identify a transaction as HMDA reportable?
    • How do I identify a transaction as partially exempt per Senate Bill 2155 for HMDA Reporting?
    • If I select Partially Exempt per S. 2155 on the Loan Definition page, how will that impact my transaction?
    • My organization is regulated by the OCC; how do I continue to report the Reasons for Denial on my partially exempt transactions?
    • What is the flow for licensed and non-licensed HMDA Wiz user?
    • How do I insert and update a transaction when licensed for the HMDA Wiz interface?
    • Can I create a HMDA record without being in a transaction?
    • What is the rate spread?
    • Can I manually look up the geocoding information?
    • What options throughout the workflow are related to HMDA reporting?
    • 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?
    • When I take an application and the applicant does not want to provide race, ethnicity, or gender information, must I indicate the disaggregated categories on the Demographics page?
    • I know that applicant’s or borrower’s age is required to be collected on HMDA transactions but cannot find a field to enter the information. How is age being calculated?
    • When HMDA Applies is selected, how is the Universal Loan Identifier (ULI) created?
    • How do the selections made on the Loan Definition page affect Loan Purpose in the HMDA section?
    • What is the purpose of Dwelling within 2 Years within collateral details for Raw Land-Real Estate?
    • Is Raw Land-Real Estate reportable for HMDA?
    • When HMDA Applies is selected, how are Construction Method, Manufactured Home Land Property Interest, and Manufactured Home Secured Property Type defaulted for Single Family, 2-4 Family Dwelling, Mobile Home (Personal Property/Residence) and Raw Land collateral types?
    • When HMDA Applies is selected, where do I enter Construction Method, Manufactured Home Land Property Interest, and Manufactured Home Secured Property Type for Condo, Non-Residential Real Estate, and PUD collateral types?
    • What Debt to Income (DTI) ratio is used for HMDA reporting?
    • When is the DTI not applicable for HMDA reporting?
    • What selections made on the Loan Definition page or Calculations page affect System in the Underwriting Information section?
    • When HMDA Applies is selected, how does the selection of Loan Decision in the menu affect Action Taken within the Origination/Disposition area on the Calculations page?
    • When HMDA Applies is selected, how does the Action Taken selected affect the Action Taken Date within the Origination/Disposition area on the Calculations page?
    • Is there a scenario where NA is reported for Origination Charges when Action Taken is 6 = Purchased loan?
    • When HMDA Applies is selected, how do the reasons selected in Document Data for the Notice Of Action Taken affect the Reasons for Denial in the Origination/Disposition area on the Calculations page?
    • If I am not licensed for the HMDA Wiz interface, after I have selected Create LAR Record, where is my file placed?
    • What is the purpose of HMDA Processing?
    • Is there a maximum number of HMDA transactions that may be selected on the HMDA Processing page?
    • Why am I unable to select my transaction on the HMDA Processing page?
    • How do I navigate back to the HMDA Processing Home page when I am done making changes to my HMDA transaction when I am in ComplianceOne?
    • How do I navigate back to the HMDA Processing Home page when I am done making changes to my HMDA transaction when I am in Vanceo?
    • How do I know that a transaction has been successfully inserted/updated in my HMDA Wiz File when working with transactions on the HMDA Processing page?
    • How do I know that a transaction has been successfully included in a pipe delimited text file when working with transactions on the HMDA Processing page?

Can I manually look up the geocoding information?

Yes, you can choose to select Manual Geocode and enter the MSA Number, County Code, State Code and Census Tract.

The values can be obtained at https://geomap.ffiec.gov/FFIECGeocMap/GeocodeMap1.aspx.

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