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Applicant Information

Sex

REPORTING INFORMATION ON SEX ON THE HMDA LAR

See the “sex” field on the HMDA LAR and the codes for completing this field.

Loan applicants must be provided the standard disclosure about the collection of data on sex.

You may list questions regarding the ethnicity, race, and sex of the applicant on your loan application form or on a separate form that refers to the application. Appendix B of Regulation C provides a sample form that may be used for data collection.

The sex codes are as follows:

Code 1 – “Male”

Code 2 – “Female”

Code 3 – “Information not provided by applicant in mail, Internet, or telephone application”
Use this code if the applicant does not provide his/her sex in an application taken by mail, telephone, or over the Internet.

Code 4 – “Not applicable”
Use this code only when the applicant or co-applicant is not a natural person or when applicant or co-applicant information is unavailable because the loan has been purchased by your institution.

Code 5 – “No co-applicant”
Use this code if there are no co-applicants or co-borrowers in the co-applicant column.

When there is no co-applicant, use Code 5, "no co-applicant or borrower." Code 4 should be used only when the applicant or co-applicant is not a natural person or when the loan has been purchased by your institution and the sex information is unavailable.

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