Which data item is NOT included in HMDA reporting?

Which data item is NOT included in HMDA reporting?

• A. Credit score
• B. Loan amount
• C. Property type
• D. Loan purpose

Answer: (A)

HMDA reporting is designed to capture loan-level information that reveals patterns in mortgage lending and access to credit, while avoiding exposing sensitive individual credit profiles. The data collected focus on the loan itself and broad borrower characteristics that regulators use to analyze fairness and disparities. Loan amount, property type, and loan purpose are all fundamental fields in the HMDA dataset because they describe the transaction and help regulators compare lending across products, geographies, and lenders. A borrower's credit score, although important for underwriting, is not part of the standard HMDA public reporting fields. Including it would raise privacy concerns and would complicate the uniform, aggregate data HMDA is intended to provide.

HMDA reporting is designed to capture loan-level information that reveals patterns in mortgage lending and access to credit, while avoiding exposing sensitive individual credit profiles. The data collected focus on the loan itself and broad borrower characteristics that regulators use to analyze fairness and disparities. Loan amount, property type, and loan purpose are all fundamental fields in the HMDA dataset because they describe the transaction and help regulators compare lending across products, geographies, and lenders. A borrower's credit score, although important for underwriting, is not part of the standard HMDA public reporting fields. Including it would raise privacy concerns and would complicate the uniform, aggregate data HMDA is intended to provide.