HMDA Modified Loan Application Registers Released. MAR 29, 2019. WASHINGTON, — Today, the Home Mortgage Disclosure Act (HMDA) Modified Loan Application Registers (LARs) data were published for approximately 5,400 financial institutions. This is the first year in which additional data reported by certain institutions under the 2015 HMDA rule 1 -- Loan originated. 2 -- Application approved but not accepted. 3 -- Application denied by financial institution. 4 -- Application withdrawn by applicant. 5 -- File closed for incompleteness. 6 -- Loan purchased by your institution Type of Purchaser (R) 0 -- Loan was not originated or was not sold in calendar year covered by registerThe Home Mortgage Disclosure Act, enacted by Congress in 1975, is implemented by the Federal Reserve Board’s Regulation C (12 CFR Part 203). HMDA was made permanent in 1988, and was amended in 1989 to require the reporting of data about applications received and about applicant and borrower characteristics. HMDA makes available to the publicModified Loan/Application Register (LAR) A downloadable modified LAR file is available for every financial institution that has completed a HMDA data submission in the selected year. The modified LAR data represents the most current HMDA submission made by an institution. Enter a financial institution’s name to download its modified LAR authorization and confidentiality: The FR HMDA LAR is authorized pursuant to section 304(j) of HMDA, which requires that the Consumer Financial Protection Bureau (Bureau) prescribe by regulation the form of loan application register information that must be reported by 1 See 12 CFR (b).HMDA Modified Loan Application Registers Released HMDA – Incomplete Application – Compliance ResourceA GUIDE TO HMDA Reporting - FFIECHMDA Modified Loan Application Registers Released entries from the institution’s HMDA Loan Application Register (LAR). CFPB examination teams should also ask the institution to pull the loan or application files that correspond to the HMDA LAR sample entries. Once on-site, CFPB examination teams should check the data in the HMDA LAR sample entries against the loan or application ;· The HMDA definition for an application is defined as follows: ;. (1) In general. Application means an oral or written request for a home purchase loan, a home improvement loan, or a refinancing that is made in accordance with procedures used by a financial institution for the type of credit requested.

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