purchased it If the loan was denied, the reason why it was denied (this field is optional for entities not regulated by the Office of the Comptroller of the Currency) Rate Spread (Rate Spread is the difference between the APR of the loan and the APOR for the week in which the interest rate was locked) If the loan is or is not subject to the Home Ownership and Equity Protection Act of 1994 Lien status of the loan (1st or 2nd lien) New or changed contents of the HMDA data collection for 2018 and onward: Credit score; NMLS Identification of the loan originator; Application channel; Applicant or co-applicant age; Combined loan-to-value (CLTV) ratio; Borrower's debt-to-income (DTI) ratio; Borrower-paid origination charges; Points and fees; Discount points; Lender credits; Loan term; Prepayment penalties; Non-amortizing loan features; Interest rate; and Rate spread for all loans. Publication of HMDA data and related products HMDA data products are hosted on behalf of the FFIEC by the Federal Reserve Board for data HMDA collections for 2016 and prior and the CFPB for HMDA collections 2017 and later. Additionally, historic files prior to 2014 can be found at the National Archives and Records Administration (NARA) website. The NARA files include both Final and Ultimate datasets. The Final datasets include one year of resubmissions and late submissions by HMDA reporters and the Ultimate files contain two years of late and resubmitted data. NARA files include the statistical aggregates collected prior to 1990, the transaction level data collected in 1990 and onward, and the Aggregate and Disclosure reports produced from those data. The Aggregate and Disclosure reports were modified in 2018 due to changes in Regulation C. In order to determine what transaction level data would be made public in the 2018 and onward HMDA collections, the CFPB used a balancing test method that weighed public utility of the data against potential for consumer harm. The application of the balancing test resulted in some fields being redacted and others being modified in order to protect applicant and borrower privacy. HMDA datasets are published annually and include the Loan Application Register (LAR), Transmittal Sheet (TS), and Panel. The LAR contains transaction level data that were covered by Regulation C during the collection year. The LAR is one of the few datasets that contains application data as well as originated mortgages which allows calculation of denial rates and must be