Reportable HMDA Data: A Regulatory And ReportingOverview .

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Effective January 1, 2021Reportable HMDA Data: A Regulatory and Reporting Overview Reference Chart forHMDA Data Collected in 2021 aThis chart is intended to be used as a reference tool for data points required to be collected, recorded, and reported under Regulation C, as amended by the HMDA Rules issued on October 15,2015, on August 24, 2017, on October 1 0, 2019, and on April 1 6, 2020. a Relevant regulation and commentary sections are provided for ease of reference. The chart also incorporates theinformation found in Section 4.2.2 of the 2021 Filing Instructions Guide and provides when to report not applicable or exempt, including the codes used for reporting not applicable or exemptfrom section 4 of the 2021 Filing Instructions Guide for ease of reference. This chart does not provide data fields or enumerations used in preparing the HMDA loan/application register(LAR). For more information on preparing the HMDA LAR, please see http://ffiec.cfpb.gov.Data point(1) Legal EntityIdentifier (LEI)Regulation Creferences§ 1003.4(a)(1)(i)(A)DescriptionFiling instructionsbIdentifier issued to thefinancial institution (FI)by a utility endorsed bythe Global LEIFoundation or LEIRegulatory OversightCommitteeEnter your financial institution’s LEI.Example: If your institution’s LEI is 10BX939C5543TQA1144M,enter 10BX939C5543TQA1144M.Reporting “Not Applicable” c or “Exempt”dT h is is a com pliance aid issued by the Consumer Financial Protection Bu reau. The Bureau published a policy statement on com pliance a ids, available at consumerfinance.gov/policy-com pliance/rulemaking/finalr u les/policy-statement-com pliance-aids, that explains the Bureau’s a pproach to com pliance aids.12021 REPORTABLE HMDA DATA: A REGULATORY AND REPORTING OVERVIEW REFERENCE CHART – VERSION 1, OCTOBER 15, 2020

Effective January 1, 2021Data point(2) UniversalLoan Identifier(ULI) or NonUniversal LoanIdentifier (NULI)Regulation Creferences§ 1003.4(a)(1)(i),Comments4(a)(1)(i)-1 through 5, and appendix CDescriptionFiling instructionsbULI: Identifier assignedto identify and retrievea loan or applicationthat contains the FI’sLEI, an internallygenerated sequence ofcharacters, and acheck digitULI. Assign and report a ULI that:NULI: Identifierassigned to identify aloan or applicationReporting “Not Applicable” c or “Exempt”d1. Begins with the financial institution’s Legal Entity Identifier as definedin § 1003.4(a)(1)(i)(A).2. Follows the Legal Entity Identifier with up to 23 additional charactersto identify the covered loan or application, which: May be letters, numerals, or a combination of letters andnumerals; Must be unique within the financial institution; and Must not include any information that could be used to directlyidentify the applicant or borrower.3. Ends with a two-character check digit that is calculated using theISO/IEC 7064, MOD 97-10 as it appears on the International StandardISO/IEC 7064:2003, which is published by the InternationalOrganization for Standardization (ISO).A check digit can be generated by: Using the check digit tool. Information regarding the check digittool will be located at https://ffiec.cfpb.gov/tools/check-digit; or Applying the procedures provided in appendix C to RegulationC.ULI Example:10BX939c5543TQA1144M999143X99LEI2Loan orApplicationIdentifier2021 REPORTABLE HMDA DATA: A REGULATORY AND REPORTING OVERVIEW REFERENCE CHART – VERSION 1, OCTOBER 15, 2020CheckDigit

Effective January 1, 2021Data pointRegulation CreferencesDescriptionFiling instructionsbReporting “Not Applicable” c or “Exempt”dNULI. If not reporting a ULI per the 2018 HMDA Rule, assign andreport a NULI that:1. Is composed of up to 22 characters, which may include letters,numerals, or a combination of letters and numerals.2. Is unique within the insured depository institution or insured creditunion.3. Does not include any information that could be used to directlyidentify the applicant or borrower.NULI Example:999143X3(3) ApplicationDate§ 1003.4(a)(1)(ii),Comments4(a)(1)(ii)-1 through 3Date the applicationwas received or thedate on the applicationformEnter, in numeral form, the date the application was received or thedate shown on the application form by year, month, and day, usingYYYYMMDD format.Example: If the application was received on July 21, 2021, enter20210721.(4) Loan Type§ 1003.4(a)(2),Comment 4(a)(2)-1Whether the loan orapplication is insuredby the Federal HousingAdministration,guaranteed by theDepartment ofVeterans Affairs, RuralHousing Service, orFarm Service AgencyIndicate the type of covered loan or application by entering: Code 1—Conventional (not insured or guaranteed by FHA, VA,RHS, or FSA) Code 2—Federal Housing Administration insured (FHA) Code 3—Veterans Affairs guaranteed (VA) Code 4—USDA Rural Housing Service or Farm Service Agencyguaranteed (RHS or FSA)2021 REPORTABLE HMDA DATA: A REGULATORY AND REPORTING OVERVIEW REFERENCE CHART – VERSION 1, OCTOBER 15, 2020Enter “NA” for purchased covered loans,§ 1003.4(a)(1)(ii).

Effective January 1, 2021Data point4Regulation CreferencesDescriptionFiling instructionsbReporting “Not Applicable” c or “Exempt”dTo report not applicable, enter “Code 5” forpurchased covered loans where origination tookplace prior to January 1, 2018, Comment 4(a)(3)-6.(5) LoanPurpose§ 1003.4(a)(3),Comments 4(a)(3)-1through -6Whether thetransaction is for homepurchase, homeimprovement,refinancing, cash-outrefinancing, or anotherpurposeIndicate the purpose of the covered loan or application by entering: Code 1—Home purchase Code 2—Home improvement Code 31—Refinancing Code 32—Cash-out refinancing Code 4—Other purpose Code 5—Not applicable(6) Preapproval§ 1003.4(a)(4),Comments 4(a)(4)-1and -2Whether thetransaction involved apreapproval request fora home purchase loanunder a preapprovalprogramIndicate preapproval for a covered loan or application by entering: Code 1—Preapproval requested Code 2—Preapproval not requested(7) ConstructionMethod§ 1003.4(a)(5),Comments 4(a)(5)-1through -3Whether the dwelling issite-built or amanufactured homeIndicate the construction method for the dwelling by entering: Code 1—Site-built Code 2—Manufactured home(8) OccupancyType§ 1003.4(a)(6),Comments 4(a)(6)-1through -5Whether the propertywill be used as aprincipal residence,second residence, orinvestment propertyIndicate the occupancy type by entering: Code 1—Principal residence Code 2—Second residence Code 3—Investment property(9) LoanAmount§ 1003.4(a)(7),Comments 4(a)(7)-1through -9Amount of the loan orthe amount applied forEnter, in dollars, the amount of the covered loan, or the amount appliedfor, as applicable.Example: If the loan amount is 110,500, enter 110500 or110500.00. If the loan amount is 110,500.24, enter 110500.24.2021 REPORTABLE HMDA DATA: A REGULATORY AND REPORTING OVERVIEW REFERENCE CHART – VERSION 1, OCTOBER 15, 2020

Effective January 1, 2021Data point(10) ActionTaken and (11)Action TakenDateRegulation Creferences§ 1003.4(a)(8),Comments4(a)(8)(i)-1 through 14 and 4(a)(8)(ii)-1through -6DescriptionFiling instructionsbType and date ofaction the FI took onthe loan, application, orpreapproval requestACTION TAKEN. Indicate the action taken on the covered loan orapplication by entering: Code 1—Loan originated Code 2—Application approved but not accepted Code 3—Application denied Code 4—Application withdrawn by applicant Code 5—File closed for incompleteness Code 6—Purchased loan Code 7—Preapproval request denied Code 8—Preapproval request approved but not acceptedReporting “Not Applicable” c or “Exempt”dACTION TAKEN DATE. Enter, in numeral form, the date of actiontaken by year, month, and day, using YYYYMMDD format.Example: If the action taken date is July 21, 2021, enter 20210721.(12) PropertyAddress5§ 1003.4(a)(9)(i),Comments 4(a)(9)-1through -5 and4(a)(9)(i)-1 through 3Address of the propertysecuring the loan (orproposed to secure aloan)STREET ADDRESS. Enter the street address of the property as one(1) data field. U.S. Postal Service Publication 28, Subsections 231–239,can be used as a guide for formatting the street address to helpimprove geocoding accuracy. Address components include, asapplicable, the following individual items: Primary Address Number Predirectional Street Name Prefix Suffix Postdirectional Secondary Address Identifier, such as apartment Secondary Address, such as apartment numberCITY. Enter the city of the property as one (1) data field.2021 REPORTABLE HMDA DATA: A REGULATORY AND REPORTING OVERVIEW REFERENCE CHART – VERSION 1, OCTOBER 15, 2020Enter “NA” in each of the property address fieldsfor: Covered loans or applications if the propertyaddress of the property securing the coveredloan is not known (e.g., the property did nothave a property address at closing, or theproperty address was not provided to theinstitution before the application was denied,withdrawn, or closed for incompleteness),Comment 4(a)(9)(i)-3; Covered loans or applications if a site of amanufactured home has not been identified,Comment 4(a)(9)-5.

Effective January 1, 2021Data pointRegulation CreferencesDescriptionFiling instructionsbReporting “Not Applicable” c or “Exempt”dSTATE. Enter the two letter state code of the property as one (1) datafield.ZIP CODE. Enter the ZIP code of the property as one (1) data field.STATE ONLY: For transactions for which Statereporting is not required under § 1003.4(a)(9)(i), afinancial institution may not report not applicablefor the Property Address State unless theinstitution is permitted to report not applicable forState for Property Location. See below for whenyou may report not applicable for PropertyLocation.NON-STANDARD ADDRESSING. U.S. Postal Service Publication 28,Subsection 24, 25, and 29, respectively, can be used as guides forformatting non-standard style addressing including rural route, HighwayContract Route, and Puerto Rico addresses to increase the accuracyfor geocoding.The following address formats are generally not preferred: General Delivery addresses, such as General Delivery, Anytown,CA 90049-9998. Post Office Box addresses, such as P.O. Box 100 Anytown, CA90049-9998. Spelled-out numbers, such as Four Hundred Fifty Six WSomewhere Ave Apt Two Hundred One.(13), (14), and(15) PropertyLocation6§ 1003.4(a)(9)(ii),Comments 4(a)(9)-1through -5,4(a)(9)(ii)-1,4(a)(9)(ii)(A)-1,4(a)(9)(ii)(B)-1 and 2, and 4(a)(9)(ii)(C)1 and -2Location of theproperty securing theloan (or proposed tosecure a loan) by state,county, and censustractCOUNTY. Enter the five-digit Federal Information ProcessingStandards (FIPS) numerical code for the county. Do not use commas.Example: Enter 06037 for the FIPS code for Los Angeles County,CA.CENSUS TRACT. Enter the 11-digit census tract number as defined bythe U.S. Census Bureau. Do not use decimals.Example: Enter 06037264000 for a census tract within LosAngeles County, CA.2021 REPORTABLE HMDA DATA: A REGULATORY AND REPORTING OVERVIEW REFERENCE CHART – VERSION 1, OCTOBER 15, 2020Enter “Exempt” in the Street Address, City, andZip Code fields if, pursuant to the 2018 HMDAFinal Rule, if your institution is not reportingProperty Address.Enter “NA” for: Applications only if the state, county, or censustract in which the property is located is notknown before the application is denied,withdrawn, or closed for incompleteness,Comments 4(a)(9)(ii)(A)-1, 4(a)(9)(ii)(B)-2, and4(a)(9)(ii)(C)-2; Covered loans or applications if a site of amanufactured home has not been identified,Comment 4(a)(9)-5;

Effective January 1, 2021Data pointRegulation CreferencesDescriptionFiling instructionsbReporting “Not Applicable” c or “Exempt”dSTATE. Enter the two letter state code of the property as one (1) datafield. Covered loans or applications if the property isnot located in an Metropolitan Statistical Area(MSA) or Metropolitan Division (MD) in whichthe institution has a home or branch office andthe institution is not required to report data onsmall business, small farm, and communitydevelopment lending under regulations thatimplement the Community Reinvestment Act of1977, § 1003.4(a)(9)(ii) and § 1003.4(e);CENSUS TRACT ONLY: Covered loans orapplications if the property is located in acounty with a population of 30,000 or lessaccording to the most recent decennial censusconducted by the U.S. Census Bureau, §1003.4(a)(9)(ii)(C).NOTE: For transactions for which State, county, orcensus tract reporting is not required under§ 1003.4(a)(9)(ii) or § 1003.4(e), financialinstitutions may report that the requirement is notapplicable, or they may voluntarily report the State,county, or census tract information, Comment4(a)(9)(ii)-1.STATE ONLY: For transactions for which Statereporting is not required under § 1003.4(a)(9)(ii), afinancial institution may not report not applicablefor the Property Location State unless the72021 REPORTABLE HMDA DATA: A REGULATORY AND REPORTING OVERVIEW REFERENCE CHART – VERSION 1, OCTOBER 15, 2020

Effective January 1, 2021Data pointRegulation CreferencesDescriptionFiling instructionsbReporting “Not Applicable” c or “Exempt”dinstitution is permitted to report not applicable forProperty Address. See above for when you mayreport not applicable for Property Address.(16) Ethnicity,8§ 1003.4(a)(10)(i),Comments4(a)(10)(i)-1 and -2and appendix BApplicant’s orborrower’s ethnicity,race, and sex, and ifinformation wascollected by visualobservation orsurnameETHNICITY OF APPLICANT OR BORROWER. Indicate the ethnicityof the applicant or borrower, or of the first co-applicant or co-borrower,as applicable, by entering up to five (5): Code 1—Hispanic or Latinoo Code 11—Mexicano Code 12—Puerto Ricano Code 13—Cubano Code 14—Other Hispanic or LatinoNOTE: If the applicant or borrower, or any co-applicant or coborrower, did not select Code 14, but provided an other Hispanicor Latino ethnicity(ies) in the Ethnicity Free Form Text Field forOther Hispanic or Latino, your institution is permitted, but notrequired, to report Code 14 in one of the Ethnicity of Applicant orBorrower data fields. This will be counted as one of the five (5)reported ethnicities, whether or not you also choose to reportCode 14 as one of the Ethnicity of Applicant or Borrower, orEthnicity of Co-Applicant or Co-Borrower, data fields. See belowfor information about the Ethnicity Free Form Text Field forOther Hispanic or Latino. Code 2—Not Hispanic or Latino Code 3—Information not provided by applicant in mail, internet, ortelephone applicationNOTE: Use Code 3 if the applicant or borrower, or co-applicantor co-borrower does not provide the information in an application2021 REPORTABLE HMDA DATA: A REGULATORY AND REPORTING OVERVIEW REFERENCE CHART – VERSION 1, OCTOBER 15, 2020To report not applicable, enter “Code 4” forEthnicity of Applicant or Borrower and “Code3” for Ethnicity Collected on the Basis of VisualObservation or Surname for: Purchased covered loans for which thefinancial institution chooses not to report theapplicant’s or co-applicant’s ethnicity, race, andsex, appendix B;Covered loans or applications when applicantor co-applicant is not a natural person,appendix B.NOTE: Use Code 3 for Ethnicity Collected onthe Basis of Visual Observation or Surname ifthe financial institution received the applicationprior to January 1, 2018, and the financialinstitution chooses not to report whether theethnicity of the applicant or borrower, or of the firstco-applicant or co-borrower, as applicable, wascollected on the basis of visual observation orsurname, Comment 4(a)(10)(i)-2.

Effective January 1, 2021Data pointRegulation CreferencesDescriptionFiling instructionsb taken by mail, internet, or telephone. Leave the remainingEthnicity of Applicant or Borrower data fields blank.Code 4—Not applicableNOTE: Use Code 4 if the requirement to report the applicant’s orborrower’s ethnicity does not apply to the covered loan orapplication that your institution is reporting. Leave the remainingEthnicity of Applicant or Borrower data fields blank.Code 5—No co-applicantNOTE: Use Code 5 in the co-applicant field if there are no coapplicants or co-borrowers. Leave the remaining Ethnicity ofApplicant or Borrower data fields blank.If there is more than one co-applicant or co-borrower, provide therequired information only for the first co-applicant or co-borrower listedon the collection form.Do not enter the same code more than once for the applicant orborrower, or any co-applicant or co-borrower, as applicable, for anycovered loan or application.If fewer than five (5) ethnicities are provided by the applicant orborrower, or by any co-applicant or co-borrower, leave the remainingEthnicity of Applicant or Borrower data fields blank.ETHNICITY FREE FORM TEXT FIELD. Enter the specific otherHispanic or Latino ethnicity(ies) not listed above, if provided by theapplicant or borrower, or by any co-applicant or co-borrower, asapplicable. For example, enter Argentinean, Colombian, Dominican,Nicaraguan, Salvadoran, or Spaniard, and so on, if provided by the92021 REPORTABLE HMDA DATA: A REGULATORY AND REPORTING OVERVIEW REFERENCE CHART – VERSION 1, OCTOBER 15, 2020Reporting “Not Applicable” c or “Exempt”d

Effective January 1, 2021Data pointRegulation CreferencesDescriptionFiling instructionsbapplicant or borrower, or by any co-applicant or co-borrower, asapplicable. Enter more than one other Hispanic or Latino ethnicity, ifprovided by the applicant or borrower, or by any co-applicant or coborrower, as applicable. The maximum number of characters for thisfield is 100 characters, including spaces. If the applicant or borrower,or any co-applicant or co-borrower, did not provide an other Hispanicor Latino ethnicity(ies), leave this field blank.ETHNICITY COLLECTED ON THE BASIS OF VISUALOBSERVATION OR SURNAME. Indicate whether the ethnicity of theapplicant or borrower, or of the first co-applicant or co-borrower, asapplicable, was collected on the basis of visual observation or surnameby entering: Code 1—Collected on the basis of visual observation or surname Code 2—Not collected on the basis of visual observation orsurname Code 3—Not applicableNOTE: Use Code 3 if the requirement to report the applicant’s orborrower’s ethnicity does not apply to the covered loan orapplication that your institution is reporting. Code 4—No co-applicantNOTE: Use Code 4 in the co-applicant field if there are no coapplicants or co-borrowersIf there is more than one co-applicant or co-borrower, provide therequired information only for the first co-applicant or co-borrower listedon the collection form.102021 REPORTABLE HMDA DATA: A REGULATORY AND REPORTING OVERVIEW REFERENCE CHART – VERSION 1, OCTOBER 15, 2020Reporting “Not Applicable” c or “Exempt”d

Effective January 1, 2021Data point(17) Race11Regulation Creferences§ 1003.4(a)(10)(i),Comments4(a)(10)(i)-1 and -2and appendix BDescriptionFiling instructionsbReporting “Not Applicable” c or “Exempt”dApplicant’s orborrower’s ethnicity,race, and sex, and ifinformation wascollected by visualobservation orsurnameRACE OF APPLICANT OR BORROWER. Indicate the race of theapplicant or borrower, or of the first co-applicant or co-borrower, asapplicable, by entering up to five (5): Code 1—American Indian or Alaska NativeNOTE: If the applicant or borrower, or any co-applicant or coborrower, did not select Code 1, but provided the name of theapplicant’s or borrower’s American Indian or Alaska NativeEnrolled or Principal Tribe(s) in the Race Free Form Text Fieldfor American Indian or Alaska Native Enrolled or PrincipalTribe, your institution is permitted, but not required, to reportCode 1 in one of the Race of Applicant or Borrower data fields.Each reported race will be counted as one of the five (5)reported races, whether or not you also choose to report Code 1as one of the Race of Applicant or Borrower, or Race of CoApplicant or Co-Borrower, data fields. See below for informationabout the Race Free Form Text Field for American Indian orAlaska Native Enrolled or Pr

HMDA Data Collected in 2021 a This chart is intended to be used as a reference tool for data points required to be collected, recorded, and reported under Regulation C, as amended by the HMDA Rules issued on October 15,

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