]> Home Mortgage Disclosure Act (HMDA) Covered Mortgages Ontology This ontology defines concepts specific to mortgages that are covered by the Home Mortgage Disclosure Act (HMDA) and related regulations. This includes the concept of a HMDA report as well as specializations of the core classes for pre-approval requests, covered loan contracts. http://opensource.org/licenses/MIT Copyright (c) 2016-2023 EDM Council, Inc. Copyright (c) 2016-2023 Object Management Group, Inc. ethnicity category based on a cultural factors, including nationality, regional culture, ancestry, and language HMDA covered loan contract a closed-end mortgage loan or open-end line of credit that is not an excluded transaction for HMDA reporting under US section 1003.3(c) of the Revised Home Mortgage Disclosure Act of 2015 the Revised HMDA regulatory text. HMDA disposition a type of action taken regarding an application for a HMDA covered loan HMDA pre-approval request a request for pre-approval of a home purchase loan up to a certain amount, and subject to certain non-credit related conditions the 2015 Revised HMDA regulation. This request is approved only after a comprehensive analysis of the credit worthiness of the borrower is carried out. 0 HMDA report a report prepared to satisfy HMDA regulatory reporting requirements as described US section 1003.3(c) of the Revised Home Mortgage Disclosure Act of 2015 The filter class on the hasReportingAgent restriction comes from the hasIdentity restriction on FinancialServiceProvider, which, unfortunately, is a PartyInRole. the Revised HMDA regulatory text. how submitted category indicating whether the applicant or borrower submitted the application for the covered loan directly to the reporting financial institution 2015 Revised HMDA regulation race a category based on a person's physical characteristics, such as bone structure and skin, hair, or eye color HMDA disposition date the date associated with the HMDA Disposition for a HMDA Covered Loan