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**U. S. DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT**

WASHINGTON, D. C. 20410-8000

March 22, 1991

OFFICE OF THE ASSISTANT SECRETARY FOR

HOUSING-FEDERAL HOUSING COMMISSIONER

**MORTGAGEE LETTER 91-18**

TO: ALL APPROVED MORTGAGEES

**SUBJECT:** HOME MORTGAGE DISCLOSURE REPORTING REQUIREMENTS

The purpose of this letter is to (1) inform mortgagees about

a change in the Home Mortgage Disclosure Act (HMDA) reporting

requirements, (2) clarify reporting requirements which were

addressed in Mortgagee Letter 90-25, dated July 18, 1990 and (3)

transmit attachments including revisions to HMDA magnetic tape

formats and record layouts, an order form for a free

microcomputer program which can automate your HMDA data and a

HMDA-related press release from Federal Financial Institutions

Examination Council (FFIEC).

1\. CHANGE IN HMDA REPORTING REQUIREMENTS:

A Depository Mortgagee, which is required to report to a

regulator other than HUD is no longer required to

transmit an additional report, covering only FHA

activity, to HUD. The Federal Reserve, which combines

information from all regulators, has agreed to transmit

the FHA activity to the Department. However, a

depository institution which is exempt from submitting

full HMDA reports to a regulator other than HUD because

it does not meet the asset and locality tests, must

submit reports to HUD covering only FHA activity if it

accepts applications for, originates or purchases FHA

loans.

2\. CLARIFICATION OF HMDA REPORTING REQUIREMENTS:

A. Depository institutions:

If your institution, including your parent company,

has assets of more than \$10 million and is located

in a Metropolitan Statistical Area (MSA), HMDA

applies and you are required to report all types of

loan applications (i.e., conventional, FHA, VA and

FmHA) to your regulator. As stated above, you no

longer have to send an additional report to HUD

covering FHA activity \-- unless you are exempt from

full HMDA reporting to your regulator.\*

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\*Special exemptions:

For 1990 reporting, the Federal Reserve has granted

an exemption for certain depository institutions in

Massachusetts and Connecticut. Those mortgagees

must submit their HMDA data to the State, which in

turn will send it to the Federal Reserve.

B. Non-depository institutions:

If your company, including your parent company, has

assets of more than \$10 million and is located in a

Metropolitan Statistical Area (MSA), HMDA applies

and you are required to report all types of loan

applications (i.e., conventional, FHA, VA and FmHA)

to HUD, which is now the regulator of all non-depository

organizations.

Note: A non-depository institution is deemed to

have an office in an MSA if it received applications

for, originated, or purchased five or more home

purchase or home improvement loans during the

preceding calendar year on property located in that

MSA.

If you do not meet the above requirements, you are

exempt from reporting all except FHA activity, which

must still be reported to HUD.

C. Loan correspondents and sponsors:

Regardless of whose funds are involved, if the loan

correspondent or broker closes the loan in its name,

it reports the loan origination \-- even if the loan

is simultaneously transferred to a sponsor at the

loan closing. In this case, the correspondent

reports a loan origination and the sponsor reports a

loan purchase. There is a known duplication here,

but HMDA reports include separate tables and

statistics on originations and purchases.

In the case of applications that are denied,

however, the information required by HMDA must be

reported by the entity that made the underwriting

decision to deny the loan.

D. Geographical codes:

The MSA, State and County codes are found in Federal

Information Processing Standard (FIPS) Publication

8-5, Metropolitan Statistical Areas (MSA) which is

available from:

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National Technical Information Service

Department of Commerce

5285 Port Royal Road

Springfield, VA 22161

703-487-4650

1980 Census Tracts are to be used. You will be

notified when 1990 Census Tracts are to be used.

Census Tract information can be obtained from

the Bureau of the Census. This includes the

1980 Census Tract/Street Index (showing Census

Tract numbers for different properties using

street addresses and arranged by county within

each MSA) and Census Tract Outline Maps (PHC 80-2

Series). These items are available from:

Customer Services

Bureau of the Census

Washington, D.C. 20233

301-763-4100

There also are commercial organizations that prepare

Census Tract/Street address books similar to those

described above. Some also provide automated

geo-coding services.

E. Automation information:

Due to the logistics and cost of handling such an

enormous volume of paper reports, the Department

will no longer accept hard-copy reports except from

small volume mortgagees who report 70 or fewer cases

(two loan register pages) or from mortgagees who do

not have access to microcomputers. A free

microcomputer HMDA software package is available to

you to process your data (see paragraph 3C).

Automated data can be transmitted via microcomputer

diskettes, magnetic tapes or cartridges.

Microcomputer diskette standards:

The Department is working to develop a standard set

of procedures for receiving and converting diskettes

to tape/cartridge or handling microcomputer output

by electronic media. These standards will be

published as soon as they are completed. In the

meantime, the Department will attempt to accommodate

all IBM compatible microcomputer output. if

diskettes are mailed, please include any necessary

information to translate the data.

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3\. ATTACHMENTS:

A. Revision to magnetic tape attributes:

Attached is a revision to Appendix A, specifying the

HMDA Tape attributes. Both variable length and

fixed length record formats are now permitted.

B. Error flag and revisions to record layouts:

With respect to the error conditions originally

issued in Mortgagee Letter 90-25, error check number

245 \-- relating \"occupancy\" to the \"MSA\" \--was found

to be illogical and has been deleted by the Federal

Reserve Board. Also, record layouts have been

enhanced to indicate the location of the error flags

for those mortgagees using automated media.

Attached are revisions to page A-4 of the

Transmittal Record layout and pages A-7 through

A-7(b) of the Loan Application Register layout.

C. Free microcomputer program:

Attached is an order form for a free microcomputer

program to handle the input of HMDA data and the

transmittal of diskettes in lieu of paper reports.

This software was developed by the Office of the

Comptroller of the Currency (OCC), is in the public

domain and is free to any mortgagee that wishes to

use it. To order this program, complete and remit

the attached order form. Neither the Department nor

the OCC recommends this program over any other

commercially available product that meets the

requirements of Regulation C. Also, the Department

will not directly support this software, but if

problems arise we will make them known to OCC.

D. FFIEC press release relating to format for the HMDA

disclosure statements and aggregate HMDA reports:

Attached is a July 2, 1990 press release by FFIEC

regarding format of reports, making raw data

available to public, etc.

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Any questions concerning this letter or any other questions

concerning HMDA may be directed to Dr. William F. Shaw, Director,

Information Systems Division, 202-708-2190.

Sincerely yours,

Arthur J. Hill

Acting Assistant Secretary for

Housing-Federal Housing Commissioner

Attachments

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Appendix A (Revised 12/90)

Automation instructions for Home Mortgage Disclosure Act (HMDA)

reporting to U.S. Department of Housing and Urban Development

HMDA Tape Attributes

The tape file consists of two record types:

The first record type is the transmittal sheet with 304

bytes and is identified as record type \"1\".

The other record type contains detail line item data

from the Loan Application Register and consists of 152

bytes and is identified as record type \"2\"

\* EBCDIC variable blocked \-- IBM recording mode \"V\"

unlabeled

9 track 1600 or 6250 BPI 1/2 inch tape or 3480

compatible low density cartridge

Block contains up to 100 records (30,804 characters)

(smaller blocks are acceptable)

\* Institutions with less than 10,000 records may elect to

provide an unblocked unlabeled tape/cartridge.

or

\* A fixed record length tape/cartridge may also be

submitted. If a fixed length format is used then the

type 2 record(s) should include an extra 152 bytes of

filler space (bytes 153 to 304). This tape/cartridge

should be in an EBCDIC format.

Also, to speed internal logging and processing, please

indicate in the tape submission package, whether the

tape/cartridge is in a fixed or variable length format.

The detail layout for these two records types follow:

Note: Reported income must be annual income

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Record Layout for Loan/Application Register Transmittal Sheet

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Record Identification

(if file contains multiple record type)

\"1\" = Transmittal Sheet

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Bytes

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_ Comments, values,

Element Label Starting Ending Length Type\* Keys etc.

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

19\. Edit Status

Code 284 284 1 AN = blank

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20\. Edit Error = blank ==\> edit

Flags 285 304 20 AN OK

= X ==\> edit

failed

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S010 285 285 1 AN Each flag refers

to an edit test.

S015 286 286 1 AN Snnn = syntactical

S020 287 287 1 AN Vnnn = validity

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S025 288 288 1 AN

S028 289 289 1 AN

S030 290 290 1 AN

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S035 291 291 1 AN

S040 292 292 1 AN

S045 293 293 1 AN

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S100 294 294 1 AN

V105 295 295 1 AN

V110 296 296 1 AN

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V115 297 297 1 AN

V120 298 298 1 AN

FILLER 299 304 6 AN

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\* AN - AlphaNumeric

N - Numeric

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A-4 (Rev 12/90)

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Record Layout for Loan/Application Register Data

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Record Identification

(if file contains multiple record type)

\"2\" = Data.

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Bytes

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_ Comments, values,

Element Label Starting Ending Length Type\* keys, etc.

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

19\. Co-Applicant

Race 91 91 1 N 1 through 8

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20\. Applicant Sex 92 92 1 N 1 through 4

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21\. Co-Applicant

Sex 93 93 1 N 1 through 4

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Annual income

In Thousands

22\. Applicants 94 97 4 AN (rounded) (do

Annual Income not enter commas)

or NA left

justified

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23\. Type of 98 98 1 AN 0 through 9

Purchaser or Blank

(If Sold)

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24\. Denial Reason 99 99 1 AN Blank or 1

1 (Optional through 9

Item)

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25\. Denial Reason 100 100 1 AN Blank or 1

2 (Optional through 9

Item)

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26\. Denial Reason 101 101 1 AN Blank or 1

3 (Optional through 9

Item)

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27\. Edit Status 102 102 1 AN Blank

Code

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28\. Edit Error 103 152 50 AN = Blank ==\> Edit

Flags ok

= X ==\> Edit

failed

= Q ==\> Accept

quality edit

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\* AN - AlphaNumeric

N - Numeric

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A-7 (Rev 12/90)

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Record Layout for Loan/Application Register Data

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Record Identification

(if file contains multiple record type)

\"2\" = Data.

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Bytes

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_ Comments, values,

Element Label Starting Ending Length Type\* keys, etc.

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

= Blank ==\>edit ok

28\. Edit Error (continued) = X ==\>Edit failed

Flags = Q ==\>Accept

quality edit

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

Q540 103 103 1 AN Each flag refers

Q595 104 104 1 AN to an edit test.

S010 105 105 1 AN Snnn = syntactical

edit

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S015 106 106 1 AN Vnnn = validity

S020 107 107 1 AN edit

S025 108 108 1 AN Qnnn = quality

edit

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S028 109 109 1 AN

S030 110 110 1 AN

S035 111 111 1 AN

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

S040 112 112 1 AN

S045 113 113 1 AN

V200 114 114 1 AN

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

S205 115 115 1 AN

V210 116 116 1 AN

V215 117 117 1 AN

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V220 118 118 1 AN

V225 119 119 1 AN

V230 119 119 1 AN

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

V240 121 121 1 AN

V245 122 122 1 AN

V250 123 123 1 AN

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

V255 124 124 1 AN

V260 125 125 1 AN

V265 126 126 1 AN

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

\*AN-AlphaNumeric

\*N-Numeric

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A-7(a) \"new\" (12/90)

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Record Layout for Loan/Application Register Transmittal Sheet

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Record Identification

(if file contains multiple record type)

\"2\" = Data

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

Bytes

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_ Comments, values,

Element Label Starting Ending Length Type\* keys, etc.

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

S270 127 127 1 AN

S275 128 128 1 AN

V280 129 129 1 AN

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

V290 130 130 1 AN

V300 131 131 1 AN

V305 132 132 1 AN

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

V310 133 133 1 AN

V315 134 134 1 AN

V320 135 135 1 AN

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

V325 136 136 1 AN

V330 137 137 1 AN

V335 138 138 1 AN

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

V340 139 139 1 AN

V345 140 140 1 AN

V350 141 141 1 AN

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

V355 142 142 1 AN

V360 143 143 1 AN

V365 144 144 1 AN

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FILLER 145 152 8 AN

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

If fixed length format is used, add field 29 below.

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29\. Filler 153 304 152 AN Use only if fixed

length format is

submitted.

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\*AN-AlphaNumeric

\*N-Numeric

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A-7(b) \"new\" (Rev 12/90)

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ORDER FORM

HMDA MICROCOMPUTER PROGRAM

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\* GRAPHICS MATERIAL IN ORIGINAL DOCUMENT OMITTED \*

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