HMDA: The Applicant

Date Recorded: August 5, 2025
Presenter: Natalie Straus, CRCM, Director, Forvis Mazars, LLP

Join us for a ninety-minute webinar where we will tackle one of HMDA’s important topic areas: the applicants.

All HMDA reportable institutions must collect and report specific information about the applicants’ identity and creditworthiness. The information required to be reported requires effective procedures at application as well as an understanding of the institution’s underwriting procedures. We will break down common problem areas, address key concepts and discuss sample scenarios to help you confidently navigate these notoriously problematic areas.

You’ll learn how to collect and report:

• Government monitoring information
• Age
• Income
• Credit score

We’ll talk about scenarios involving:

• Procedures for the collection of GMI
• Applicants who select multiple races, sexes or ethnicities
• Applicants who decline to select any race, sex or ethnicity
• Online, mail-in,  telephone and in-person applications
• Applications involving legal entity applicants
• Multiple credit scores obtained in the underwriting process
• Multiple applicants’ income considered in the underwriting process
• Translating GMI collected at application to the LAR

Join us for a ninety-minute webinar where we will tackle one of HMDA’s important topic areas: the applicants.

All HMDA reportable institutions must collect and report specific information about the applicants’ identity and creditworthiness. The information required to be reported requires effective procedures at application as well as an understanding of the institution’s underwriting procedures. We will break down common problem areas, address key concepts and discuss sample scenarios to help you confidently navigate these notoriously problematic areas.

You’ll learn how to collect and report:

• Government monitoring information
• Age
• Income
• Credit score

We’ll talk about scenarios involving:

• Procedures for the collection of GMI
• Applicants who select multiple races, sexes or ethnicities
• Applicants who decline to select any race, sex or ethnicity
• Online, mail-in,  telephone and in-person applications
• Applications involving legal entity applicants
• Multiple credit scores obtained in the underwriting process
• Multiple applicants’ income considered in the underwriting process
• Translating GMI collected at application to the LAR

We’ll also take time to address questions and other concerns.