In this Q3 2025 HMDA Hub, we address the following key Home Mortgage Disclosure Act (HMDA) compliance and reporting topics:
- Determining loan purpose when the property type is unclear
- HOEPA status for one-time close construction-to-permanent loans
- Selecting the correct NMLSR ID when multiple originators are involved
- Multifamily Affordable Units – how to handle single-family transactions
- Rate spread guidance when required information is unavailable
If you are grappling with a HMDA compliance issue, we invite you to send your query to Ask CrossCheck. Our consulting team of HMDA compliance experts are ready to provide the guidance and support you need.
Thank you for reading the Q3 2025 HMDA Hub. Stay tuned for expert insights and practical guidance in every issue and subscribe to receive the HMDA Hub via email each quarter.
