HMDA requires reporting of which of the following items?

• A. Loan applications, originations, denials, withdrawals
• B. Interest rates charged on all loans
• C. Investor financial statements
• D. Borrower employment history

Answer: (A)

HMDA reporting focuses on the lifecycle of mortgage applications—recording when an application is received and the outcome, such as a loan being originated, denied, or withdrawn. This data set lets regulators and researchers analyze access to credit and lending patterns across communities. The precise data HMDA requires includes loan applications, originations, denials, and withdrawals, which is why the correct choice matches this set. The other options don’t fit HMDA’s reporting scope: interest rates on all loans are not a standard HMDA data point (they come from other disclosures and terms, not the action-focused data HMDA collects); investor financial statements aren’t reported to HMDA; and borrower employment history isn’t a required HMDA field, though borrower income may be collected.