Use information and data from the preceding December 31 date when determining whether you meet the reporting criteria. The following questions for a nondepository institution should be answered to determine if you should report CY 2004 HMDA data in 2005.
The new 5-digit MSA/MDs are used to determine whether your institution was in an MSA or MD on December 31, 2003. Also use the new MSA/MDs when geocoding the property location on your 2004 HMDA loan application records.
Click here to determine if MSA/MD realignments have affected your reporting status.
Refer to Geocoding Information for additional important information about the new Metropolitan Statistical Areas/Metropolitan Divisions (MSA/MDs).
If a nondepository institution responds 'YES' to question 1 above and 'YES' to at least one question in 2, and one question in 3, and one question in 4, then HMDA applies to the institution's loan originations, purchases, and applications in the current calendar year. A negative response to question 1, or to all the questions in 2, 3, or 4 exempts the institution from filing HMDA data for the current calendar year.
For nondepository institutions, a branch office is02/11/2009 5:03 PMublic for home purchase or home improvement loans. It does not include offices of affiliates or other third parties such as loan brokers.