FFIEC Home Mortgage Disclosure Act Header

A Guide To HMDA Reporting: Getting It Right!

* 2010 A Guide To HMDA Reporting PDF File

      The 2010 edition was updated with the following:

  • Title page -- change the years in the top box; reference of 2009 to 2010 and 2010 to 2011;
  • Title page -- change date application received on the third example of the LAR form to 03/15 from 03/20;
  • Title page -- change the year on the three examples in the LAR form from 2009 to 2010;
  • Cover page -- change the years; reference of 2009 to 2010 and 2010 to 2011; Cover page -- month at bottom left will be added right before posting;
  • Pages ii and iii -- Contents were rearranged as needed after all changes were made;
  • Page iv -- first column, third paragraph, third row, change the word ‘take’ to ‘took’;
  • Pagei v -- second column, last paragraph, fourth row should read – 3501 Fairfax Drive, Room B-7081a;
  • Page 5 -- second column, first paragraph, first sentence should read -- When a merger or an acquisition of a branch takes place….
  • Page 6 -- first column, third paragraph, second sentence should read -- As neither a merger nor an acquisition of a branch is involved, the purchasing ….;
  • Page 10 -- change the years on Figure 3 where needed; 2009 to 2010;
  • Page 10 -- change a couple dates on Figure 3 as needed – action taken date from 02/10 to 02/15 on the first example and date application received from 03/20 to 03/15 on the third example;
  • Page 11 -- change the years on three examples of the form shown at the bottom; 2009 to 2010;
  • Page 11 -- change the date application received field in the third example on the form at the bottom from 03/20 to 03/15;
  • Page 13 -- change the years on three examples of the form shown at the bottom; 2009 to 2010;
  • Page 13 -- change the action taken date field in the first example on the form at the bottom from 02/20 to 02/15;
  • Page 16 and 17 -- second column, under Loan Price and Lien Status section, remove Rate spread. For a …. paragraph on page 16 and bolded first paragraph on page 17; move Rate spread. For a home …. paragraph on page 17 to page 16 at the bullet; and remove bolded closing parenthesis at the end of the moved paragraph; 
  • Page 18 -- second column, last paragraph, second row, should read -- for a paper sheet size of 36 inches by 33 ….
  • Page 18 -- second column, last paragraph, second and last rows from the bottom should read -- provide a usable image.  A user has three options for obtaining 36" x 33" copies:;
  • Page 19 -- first column, first bullet, second row should read -- printing 36" x 33" sheets…..
  • Page 19 -- first column, add new second bullet;
  • Page 19 -- first column, third bullet, first sentence should read -- Purchase a 36" x 33" copy of the entire map from the ….;
  • Page 20 -- first column, first paragraph, beginning at third row should read -- product.  (It may be ordered on a DVD-ROM or on a CD-ROM.)  It runs on ….;
  • Page A-8 and A-9 -- second column under G.1. Rate Spread., remove paragraph following a. on page A-8 and continuing on page A-9; remove bolded second paragraph in first column, page A-9; move third paragraph a. on page A-9  to page A-8 and remove bolded parenthesis at the end of the moved paragraph;
  • Page A-9 and A-10 -- second column, fourth paragraph, remove section following d. on page A-9 and first bolded paragraph on page A-10, first column; move second paragraph on page A-10 up to page A-9 and removed bolded closing parenthesis at the end of this paragraph;
  • A-10 -- first column, remove third and fourth (bolded) paragraphs following e. and move fifth paragraph on same page and column up to e.; also remove bolded closing parenthesis from the end of the moved paragraph e.;
  • Page A-10 -- first column, sixth paragraph, remove section following 2. Date the Interest Rate was Set. and remove second bolded paragraph in column 2 on same page; move the third paragraph in column 2, section 2. Date the Interest Rate was Set. up and remove bolded closing parenthesis from the end of the moved paragraph; 
  • Page A-13 -- change the years shown on the LAR form; 2009 to 2010;
  • Page A-13 -- change the action taken date on the first example on the LAR form from 02/20 to 02/15 and the date application received on the third example from 03/20 to 03/15;
  • Page C-4 and C-5 -- second column, last paragraph, remove all of (12) and the second bolded paragraph, first column on page C-5; close “white” space by moving up sections (12)(i) and (ii), etc.; remove bolded closing parenthesis from the end of section (ii) on page C-5;
  • Page D-4 -- first column, second row, change year from 2009 to 2010.
  • Page D-13 -- first column, last paragraph, remove section 1. Treasury securities of comparable …. and bolded first paragraph beginning at top of second column; move Paragraph 4(a)(12)(ii). up under section 4(a)(12) Rate-spread information.;
  • Page D-13 -- second column, move all sections beginning with -- 1. Average prime offer rate. Average …. up under Paragraph 4(a)(12)(ii);
  • Page D-14 -- first column, at the end of first paragraph, remove bolded closing parenthesis;
  • Page F-2 -- tenth row under Alaska (02) section between Haines Borough and Juneau City and Borough, add Hoonah-Angoon* (105);
  • Page F2 -- seventh row from the bottom of Alaska (02) section at Skagway ….; that row should read Skagway* (230); 
  • Page F-5 -- first column, ninth entry down should be Manatee (081) - MSA 35840;
  • Page F-5 -- first column, fifteenth entry down should be Okaloosa (091) - MSA 18880;
  • Page F-5 -- first column, twenty-seventh entry down should be Sarasota (115) - MSA 35840;
  • Page F-21 -- second column, fourteenth entry from the bottom should be Jefferson (081) - MSA 44600;
  • Page F-30 -- second column, fifth entry under West Virginia (54) should be Brooke* (009) - MSA 44600;
  • Page F-30 -- second column, fifteenth entry under West Virginia (54) should be Hancock (029) - MSA 44600;
  • Page G-1 -- second column, zip code for OCCs Northeastern District Office changed to 10173-0002;
  • Page G-2 -- first column, list of states under OCCs Southern District Office, add Southern West Virginia*, between Oklahoma and Tennessee;
  • Page G-2 -- second column, address and phone number for FDICs Chicago Regional Office should be 300 South Riverside Plaza, Suite 1700, Chicago, IL 60606, (800) 944-5343;
  • Page G-2 -- second column, address and phone number for FDICs New York Regional Office should be 350 Fifth Avenue, Suite 1200, New York, NY 10118-0110, (800) 334-9593;
  • Page G-3 -- first column, NCUA Region II, remove Alaska from the list, list of states should read California, Delaware, District of Columbia .;
  • Page G-3 -- second column, NCUA Region V, remove California from the list, list of states should read Alaska, Arizona, Colorado, Hawaii.;
  • Page G-3 -- second column, add a new fourth paragraph under Office of Thrift Supervision, it should read Call the HMDA Q&A line at (202) 906-6342.;
  • Page G-5 -- second column, box information at the bottom, room should be B-7081a.


* Archives of previous HMDA Guides and changes:

* Archives of previous HMDA Guide Information Letters:

2009 Guide Information Letter PDF File | MS Word
2008 Guide Information Letter PDF File | MS Word
2006 Guide Information Letter PDF File | MS Word
2002 Guide Information Letter PDF File | MS Word