HMDA WORKSHEET



APPLICATION DETAILSCompleted By: FORMTEXT ?????Verified By: FORMTEXT ?????Applicant Name: FORMTEXT ????? Co-Applicant Name: FORMTEXT ?????DOB: FORMTEXT ?????DOB: FORMTEXT ?????Age: FORMTEXT ????? or (8888) NANo Rounding! As of Application DateNA = Non-Natural, Purchased LoanAge: FORMTEXT ????? or (8888) NA (9999) No Co-App.LEI: FORMTEXT ????? Loan #: FORMTEXT ????? (Max 23)Check Digit: FORMTEXT ????? (Must be 2 digits/ print support)Application Date: 20 FORMTEXT ????? or NA YYYYMMDD (NA = Purchased Loans) Loan Type? (1) Conventional? (2) FHA? (3) VA? (4) RHS/FSALoan Officer: FORMTEXT ?????NMLSR: FORMTEXT ????? or NALoan Purpose: ? (1) Purchase ? (2) Home Improvement ? (31) Refinance ? (32) Cash-out Refinance ? (4) Other Purpose ? (5) NA*The following application types are NOT HMDA reportable (check if applicable, and if transaction is not HMDA reportable, stop here and retain copy in file)? < $500 ? Vacant Land (No dwelling for 2 yrs) ? Construction/Temporary/Bridge ? Pre-qualification ? Business/agriculture Loan Amount Requested/Granted: $ FORMTEXT ????? (No Rounding!)Ex. $110,500.24 = 110500.24Ex. $121,000.00 = 121000Preapproval: (home purchase only)? (1) Preapproval requested ? (2) Preapproval not requested Construction Method: ? (1) Site Built ? (2) Manufactured (Mfd) HomeOccupancy Type: ? (1) Principal ? (2) 2nd Residence ? (3) Investment Property Submission of Application: ? (1) Directly to FI ? (2) Not Submitted Directly to FI ? (3) NA Initially Payable to Institution: ? (1) Initially Payable ? (2) Not Initially Payable ? (3) NA Reverse Mortgage: ? (1) Reverse Mortgage ? (2) Not a Reverse Mortgage Open-End Line of Credit: ? (1) Open-End Line of Credit ? (2) Not an Open-End Line of Credit Business/Commercial Purpose:? (1) Primarily Bus/Comm. ? (2) Not Bus/Comm.DWELLING LOCATION (Identified Property)Completed By: FORMTEXT ?????Verified By: FORMTEXT ?????Record the address of the property securing (or proposed to secure) the loan. or NA (Unknown address) Street Address: FORMTEXT ????? City: FORMTEXT ????? State (Ex. OH): FORMTEXT ????? Zip (5 or 9 digits, include dash): FORMTEXT ????? County Geocode (State & County Code, total 5 digits): FORMTEXT ?????Census Tract (State, County, Census Tract, 11 digits, no decimal): FORMTEXT ????? Print Geocode input & resultsACTION TAKEN INFORMATIONCompleted By: FORMTEXT ?????Verified By: FORMTEXT ?????Action Taken: ? (1) Originated ? (2) Approved, not accepted ? (3) Denied (list reasons in next block) ? (4) Withdrawn? (5) Closed for Incompleteness ? (6) Purchased loan? (7) Preapproval denied? (8) Preapproval approved, not acceptedReason(s) For Denial (must agree with AAN, 4 max)? (1) Debt-to-income Ratio? (2) Employment History? (3) Credit History? (4) Collateral? (5) Insufficient Cash (down pmt, closing costs)? (6) Unverifiable Information? (7) Credit Application Incomplete? (8) Mortgage Insurance Denied? (9) Other – List Reason: ? (10) Not ApplicableAction YYYYMMDDTaken Date: FORMTEXT ????? Enter the settlement or closing date for originations. Applications (including preapproval requests) that did not result in an origination, enter the date denied or withdrawn. Const/Perm, use date loan originated. Refer to Action Taken Chart for additional help.UNDERWRITING INFORMATIONCompleted By: FORMTEXT ?????Verified By: FORMTEXT ?????Annual Gross Income: $ FORMTEXT ????? or NA(Round to nearest $1,000 -- $500 rounds up)Use amount relied on for the credit decision. “NA” for loans to non-natural persons, employees, and Multi-family dwellingsCredit Score: Applicant/Co-Applicant FORMTEXT ????? / FORMTEXT ?????? ? (7777) Score Not a #? ? (8888) NA ? (9999) No Co-applicantUse score relied on for the credit decision. “NA” for loans that are withdrawn, closed for incompleteness, purchased loan, and non-natural personsCredit Score Model Identify model for credit score reportedApplicant/Co-Applicant? ? (1) Equifax Beacon 5.0? ? (7) More than one model? ? (2) Experian Fair Isaac? ? (8) Other model*? ? (3) FICO Risk Score Classic 04 *A: FORMTEXT ????? ? ? (4) FICO Risk Score Classic 98*Co: FORMTEXT ????? ? ? (5) VantageScore 2.0? ? (9) NA (credit score =8888) ? ? (6) VantageScore 3.0 ? (10) No Co-app (score = 9999) If Code 8 is not checked, leave Data Field 65 (*A) & 67 (*Co) BLANKDTI Ratio: FORMTEXT ????? or NA Report ratio exactly as used.If decimal places are used, then report them. If ratio used is rounded, then report rounded number.Use monthly DTI relied on in making the credit decision. “NA” for loans to that are withdrawn, closed for incompleteness, or did not rely on DTI when making credit decision.“NA” for loans to non-natural persons, multi-family dwellings, and purchased covered loansCombined LTV Ratio: FORMTEXT ????? or NA Report ratio exactly as used.If decimal places are used, then report them. If ratio used is rounded, then report rounded number.Use monthly LTV relied on in making the credit decision. Enter “NA” for loans that are purchased, withdrawn, closed for incompleteness, or did not rely on CLTV when making credit decision. Property Value: FORMTEXT ????? or NANo Rounding, no commaUse property value relied on in making the credit decision. Enter “NA” for loans that are withdrawn, closed for incompleteness or does not rely on property value when making credit decision.Manufactured Home Secured Property Type ? (1) Manufactured home & land ? (2) Manufactured home & not land ? (3) NABased on Identified PropertyManufactured Home Land Property Interest ? (1) Direct ownership ? (2) Indirect ownership? (3) Paid leasehold ? (4) Unpaid leasehold ? (5) NATotal Units: FORMTEXT ????? # units for ALL properties securing loanMultifamily Affordable Units: FORMTEXT ????? or NA (Not Multifamily)Multifamily w/No income restricted units = 0Automated Underwriting System Max 5 1st data field needs a code, rest of AUS fields can be BLANK? (1) DU ? (2) LP or Loan Product Advisor ? (3) TOTAL Scorecard ? (4) GUS ? (5) Other - List: FORMTEXT ????? ? (6) NAAutomated Underwriting System Result ? (1) Approve/Eligible ? (2) Approve/Ineligible ? (3) Refer/Eligible ? (4) Refer/Ineligible ? (5) Refer with Caution ? (6) Out of Scope Max 5 ? (7) Error ? (8) Accept ? (9) Caution ? (10) Ineligible ? (11) Incomplete ? (12) Invalid 1st data field needs a code, rest of AUSR fields can be BLANK ? (13) Refer ? (14) Eligible ? (15) Unable to Determine or Unknown ? (16) Other - List: FORMTEXT ????? ? (17) NA TRANSACTION DETAILSCompleted By: FORMTEXT ?????Verified By: FORMTEXT ?????Total Loan Costs: FORMTEXT ????? or NA Line D of the Closing Cost Details page of CDIf amount is zero, enter 0NA = Open-End Lines of Credit, Reverse Mtgs, business or commercial purpose loansTotal Points & Fees: FORMTEXT ????? or NA If amount is zero, enter 0NA = Open-End Lines of credit, Reverse Mtgs, business loans or commercial purpose, or purchased loansOrigination Charges: FORMTEXT ????? or NA Line A of the Closing Cost Details page of CDIf amount is zero, enter 0NA = Not subject to CDDiscount Points: FORMTEXT ????? or NA or BLANKLine A.01 of Closing Cost Details page of CDNo points paid, leave BlankNA = Not subject to CD Lender Credits: FORMTEXT ????? or NA or BLANK2nd row under Line J on Closing Cost Details page of CDNo lender credits paid, leave BlankInterest Rate: FORMTEXT ????? or NA NA = Denied, withdrawn, closed for incompletenessEx: 4.500% report as 4.5, 4.50 or 4.500; 4.125% report as 4.125Prepayment Penalty Term: FORMTEXT ????? or NA Report in months, NA if no prepayment penalty Loan Term: FORMTEXT ????? or NA Number reported in months Introductory Rate Period: FORMTEXT ????? or NA Number reported in months, NA if Fixed rate loan Balloon Payment? (1) Balloon payment ? (2) No balloon payment Interest-Only Payments? (1) Interest-only payments ? (2) No interest-only payments Negative Amortization? (1) Negative amortization ? (2) No negative amortization Other Non-amortizing Features? (1) Other non-fully amortizing features ? (2) No other non-fully amortizing featuresGENERAL INFORMATIONCompleted By: FORMTEXT ?????Verified By: FORMTEXT ?????Rate Spread: FORMTEXT ????? or NA Report at least 3 decimal places unless digits are 0.NA= Reverse Mtg, Purchased Loan (Attach screen print)HOEPA Status? (1) HOEPA ? (2) Not HOEPA ? (3) NAAPR>6.5%+APOR for 1st lienAPR>8.5%+APOR for jr. lienPoints + Fees >5% of loan amount of $20,579 or more, or lesser of 8% or $1,029 for loans less than $20,579Lien Status? (1) Secured by a first lien? (2) Secured by a subordinate lien *Based on Identified PropertyType of Purchaser? (0) NA ? (1) Fannie Mae ? (2) Ginnie Mae ? (3) Freddie Mac ? (4) Farmer Mac ? (5) Private securitizer ? (6) Commercial Bank, Savings Bank, Savings Assoc. ? (71) Credit union, mtg co., finance co. ? (72) Life insurance company? (8) Affiliate institution ? (9) Other type of purchaserGOVERNMENT MONITORING INFORMATIONCompleted By: FORMTEXT ?????Verified By: FORMTEXT ?????Ethnicity (Max. 5)Applicant/Co-Applicant? ? (1) Hispanic or Latino? ? (11) Mexican? ? (12) Puerto Rican ? ? (13) Cuban? ? (14) Other Hispanic or LatinoA: FORMTEXT ?????Co: FORMTEXT ?????? ? (2) Not Hispanic or Latino? ? (3) Information not provided by applicant in mail, Internet or telephone application? ? (4) Not Applicable – Business Entities (see App. A, I.D.) ? (5) No Co ApplicantRace (Max. 5)Applicant/Co-Applicant? ? (1) American Indian or Alaskan NativeA: FORMTEXT ?????Co: FORMTEXT ?????? ? (2) Asian? ? (21) Asian Indian? ? (22) Chinese ? ? (23) Filipino? ? (24) Japanese? ? (25) Korean ? ? (26) Vietnamese? ? (27) Other AsianA: FORMTEXT ?????Co: FORMTEXT ?????? ? (3) Black or African American? ? (4) Native Hawaiian or Other Pacific Islander? ? (41) Native Hawaiian? ? (42) Guamanian or Chamorro ? ? (43) Samoan? ? (44) Other Pacific IslanderA: FORMTEXT ?????Co: FORMTEXT ?????? ? (5) White? ? (6) Information not provided by applicant in mail, Internet or telephone application? ? (7) Not Applicable – Business Entities ? (8) No Co-ApplicantSexApplicant/Co-Applicant? ? (1) Male? ? (2) Female? ? (3) Not provided (mail, internet, or telephone application only)? ? (4) Not Applicable (business entities) ? (5) No Co-Applicant? ? (6) Both male and female selectedEthnicity Collected Visual Observation/SurnameApplicant/Co-Applicant? ? (1) Collected on the basis of visual observation or surname ? ? (2) Not collected on the basis of visual observation or surname ? ? (3) Not Applicable (business entities) ? (4) No Co-ApplicantRace Collected Visual Observation/SurnameApplicant/Co-Applicant? ? (1) Collected on the basis of visual observation or surname ? ? (2) Not collected on the basis of visual observation or surname ? ? (3) Not Applicable (business entities) ? (4) No Co-ApplicantSex Collected Visual Obs/SurnameApplicant/Co-Applicant? ? (1) Collected on the basis of visual observation or surname ? ? (2) Not collected on the basis of visual observation or surname ? ? (3) Not Applicable (business entities) ? (4) No Co-ApplicantLAR ENTRYDate Entered LAREntered By:LAR Data Verified By: ................
................

In order to avoid copyright disputes, this page is only a partial summary.

Google Online Preview   Download