HMDA Part 1: Application Basics

On-Demand Webinar
StreamedSep 13, 2023Duration60 minutes
  • Unlimited & shareable access starting two business days after live stream
  • Available on desktop, mobile & tablet devices 24/7
  • Take-away toolkit
  • Ability to download webinar video
  • Presenter's contact info for questions
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How do you know if a loan application is covered by HMDA?

Part 1 of this three-part series will focus on HMDA applications, including how to define them, dwelling types, using HMDA resources, demographic information requirements, components of a completed application, and more!
  • Determine if an application will be covered by HMDA using a simple four-step process to define loan purpose, dwelling security interest, extensions of credit, and exclusions
  • Effectively use HMDA resources from the CFPB
  • Define various types of dwellings that will trigger a HMDA application
  • Explain the need to collect applicants’ demographic information
  • Understand the elements of a completed application


The Home Mortgage Disclosure Act (HMDA) requires financial institutions to collect and report data related to certain applications secured by a dwelling. Reporting mistakes can result in civil money penalties and regulatory headaches. Join this fast-paced session that outlines the basic rules for identifying potential HMDA applications, provides effective training for new employees, and reinforces the importance of “getting it right” for lending staff. Attend all the webinars in this three-part series to gain a broader understanding of HMDA applications, demographic collection, and commercial loans.


This informative session is designed for all employees who need to understand and manage HMDA reporting, including loan operations staff, loan officers, loan assistants, processors, compliance officers, and auditors.


  • HMDA flowchart and checklists
  • CFPB resource links
  • Employee training log
  • Interactive quiz
  • PDF of slides and speaker’s contact info for follow-up questions
  • Attendance certificate provided to self-report CE credits

NOTE: All materials are subject to copyright. Transmission, retransmission, or republishing of any webinar to other institutions or those not employed by your institution is prohibited. Print materials may be copied for eligible participants only.


"Susan Costonis is an amazing presenter with in-depth knowledge. Every presentation that I have attended by Susan has always exceeded my expectations."
- Leon, Burling Bank

"The speaker covered a lot of the problems experienced with classifying whether a Loan is HMDA reportable or not and did so in an easy to understand delivery. They also provided some good resources we can use going forward."
- Rodney, First Farm Bank

"Presenter covers a complex subject in an easily understandable manner. Easy to listen to and understand."
- Robert, First Farm Bank

Presented By

Susan CostonisSusan Costonis
Compliance Training & Consulting for Financial Institutions