Affected Products Application Methods (Face to face (online, paper), Mail, Online, Telephone, Fax HMDA Process Inventory Demographic Data Gathering Methods LAR Software Used or Manual LAR Preparation Responsible Department/Person 1 Record Identifier same for all 2 Legal Entity Identifier (LEI) same for all 3 Universal Loan Identifier (ULI) 4 Application date 5 Loan type 6 Loan purpose Page 1 of 8 The HMDA Academy Key Compliance Services, LLC April 2016
7 Preapproval 8 Construction method 9 Occupancy type 10 Loan amount 11 Action taken 12 Action taken date 13 Street address 14 City 15 State 16 Zip Code 17 Property county 18 Census tract 19-23 and 25-29 24 and 30 Ethnicity of Applicant or or Co- : 1-5 Ethnicity of Applicant or : Conditional Free Form Text Field for Code 14 Page 2 of 8 The HMDA Academy Key Compliance Services, LLC April 2016
31-32 33-37 and 41-45 38-40 and 46-48 Ethnicity of Applicant or Collected on the Basis of Visual Observation or Surname Race 1 5 of Applicant or or Coapplicant or Co- Race of Applicant or or Co- Conditional Free Form Text Field for Code 1 Page 3 of 8 The HMDA Academy Key Compliance Services, LLC April 2016
49-50 Race of Applicant or or Co- Collected on the Basis of Visual Observation or Surname 50 Race of Co-Applicant or Co- Collected on the Basis of Visual Observation or Surname 51-52 Sex of Applicant or or Co- Page 4 of 8 The HMDA Academy Key Compliance Services, LLC April 2016
53-54 55-56 Sex of Applicant or Collected on the Basis of Visual Observation or Surname Age of Applicant or or Co- 57 Income 58 Type of purchaser 59 Rate spread 60 HOEPA status 61 Lien status 62-63 64 & 66 Credit score of Applicant or or Co- Name and Version of Credit Scoring Model for applicant or borrower or Coapplicant or Co- Page 5 of 8 The HMDA Academy Key Compliance Services, LLC April 2016
65 & 67 Name and Version of Credit Scoring Model for applicant or borrower or Co- Conditional Free Form Text Field for Code 8 above 68- Reason for Denial 1 71 72 Reason for Denial Conditional Free Form Text Field for Code 9 73 Total loan costs 74 Total points and fees 75 Origination charges ( Paid) 76 Discount points 77 Lender credits 78 Interest rate 79 Prepayment penalty term Page 6 of 8 The HMDA Academy Key Compliance Services, LLC April 2016
80 Debt-to-income ratio 81 Combined Loan to Value Ratio 82 Loan Term 83 Introductory Rate Period 84 Balloon Payment 85 Interest Only Payments 86 Negative Amortization 87 Other Non-Amortizing Features 88 Property Value 89 Manufactured Home Secured Property Type 90 Manufactured Home Land Property Interest 91 Total Units 92 Multi-family Affordable Units 93 Application Channel: Submission of Application 94 Initially Payable to Your Institution HMDA 2018 IMPLEMENTATION PLANNING Page 7 of 8 The HMDA Academy Key Compliance Services, LLC April 2016
95 Mortgage Loan Originator NMLSR 96-100 Identifier Automated Underwriting System 1-5 101 Automated Underwriting System: Conditional Free Form Test Field for Code 5 102-106 Automated Underwriting System Result 1 107 Automated Underwriting System Result Conditional Free Form Text Field for Code 16 108 Reverse Mortgage 109 Open End Line of Credit 110 Business or Commercial Purpose Page 8 of 8 The HMDA Academy Key Compliance Services, LLC April 2016