Demographic Information - Bankers Online
2018 HMDA Applications ¨C Demographic Information
Application Taken
Face-to-face
If the applicant is not filling the application out themselves, the Loan Officer (LO) is required to
read the disclosure on the Demographic Information Addendum. Indicate all answers as
provided.
? What if the applicant declines to provide demographic information?
Notate this choice and collect only the aggregate categories based on visual observation or
surname. Complete the field identifying how you collected your choices.
? What if there are more than two applicants?
Complete a Demographic Information Addendum for each additional applicant to add to the
file.
? What if the applicant(s) selects ¡°I do not wish to provide¡± and also provides Demographic Information?
Leave the demographic information provided, this is what we will report. Complete the field
identifying how the demographic information was provided.
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2018 HMDA Applications ¨C Demographic Information
Application Taken
Read the disclosure on the Demographic Information Addendum (same paragraph that is on Page 3 of the 1003)
Telephone
?
What if there are more than two applicants?
Complete a Demographic Information Addendum for each additional applicant to add to the file.
?
What if the applicant provided some but not all of the requested information?
Only report the information provided by the applicant, whether partial or complete.
?
What if the applicant declines to provide demographic information?
Mark ¡°I do not wish to provide this information¡± in each aggregate section.
Application Taken
Fax, Mail, or
Internet
If the applicant indicates that they do not wish to furnish demographic information, no further action is required.
What if the applicant provided some but not all of the requested information?
?
Only report the information provided by the applicant, whether partial or complete.
?
What if the applicant did NOT indicate they do not wish to furnish and also left the
demographic information blank and then comes in person to finish their application?
You would need to read the disclosure on the Demographic Information Addendum and follow the same
procedures for a face-2-face application. Indicate how the demographic information was collected.
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Differences between ¡°Aggregate¡± and ¡°Disaggregate¡±
Aggregate
Disaggregate
Aggregate
Disaggregate
Disaggregate
Disaggregate
Aggregate
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