HMDA Part 1: Application Basics

Date:

Oct 8, 2025

Register

When is a mortgage loan application covered by the Home Mortgage Disclosure Act (HMDA)?

What data must be collected? What types of dwellings necessitate HMDA reporting? What does a completed application look like? Attend this session to get the answers to these questions and more.

Agenda

October 8, 2025
11:00am - 12:00pm EST

The Home Mortgage Disclosure Act requires financial institutions to collect and report data related to certain applications secured by a dwelling. Reporting mistakes can result in civil money penalties and regulatory headaches. Join this fast-paced 60-minute session that will outline the basic rules for identifying potential HMDA applications, provide effective training for new employees, and reinforce the importance of “getting it right” for lending staff!

Topics

AFTER THIS WEBINAR YOU’LL BE ABLE TO:

  • Determine if an application will be covered by HMDA using a simple four-step process to define loan purpose, dwelling security interest, extensions of credit, and exclusions
  • Effectively use the CFPB’s HMDA resources
  • Define the various types of dwellings that trigger a HMDA application
  • Explain to applicants the need to collect demographic information
  • Understand the elements of a completed application
Speaker(s)

Susan Costonis
Compliance Training & Consulting for Financial Institutions

Susan Costonis is a compliance consultant and trainer who began her career in 1978. She specializes in compliance management along with deposit and lending regulatory training. Susan has successfully managed compliance programs and exams for institutions that ranged from a community bank to large multi-state bank holding companies. She has been a compliance officer for institutions supervised by the OCC, FDIC, and Federal Reserve. Susan has been a Certified Regulatory Compliance Manager since 1998, completed the ABA Graduate Compliance School, and graduated from the University of Akron and the Graduate Banking School of the University of Colorado. She regularly presents to financial institution audiences in several states and “translates” complex regulations into simple concepts by using humor and real-life examples.

Additional Information

WHO SHOULD ATTEND?

This informative session is designed for all employees involved with HMDA reporting, including loan operations staff, loan officers, loan assistants, processors, compliance officers, and auditors.

TAKE-AWAY TOOLKIT

  • HMDA flowchart and checklists
  • CFPB resource links
  • Employee training log
  • Interactive quiz
  • PDF of slides and speaker’s contact info for follow-up questions
  • Attendance certificate provided to self-report CE credits

NOTE: All materials are subject to copyright. Transmission, retransmission, or republishing of any webinar to other institutions or those not employed by your institution is prohibited. Print materials may be copied for eligible participants only.

Fees

Live Webinar - $255

  • Unlimited connections for your institution
  • Available on desktop, mobile & tablet
  • Take-away toolkit
  • Presenter’s contact info for questions

On-Demand Webinar - $255

  • Unlimited & shareable access starting two business days after live stream
  • Available on desktop, mobile & tablet devices 24/7
  • Take-away toolkit
  • Ability to download webinar video
  • Presenter's contact info for questions

Live + On-Demand - $375

Get the best of both and save when you Bundle the Live & On-Demand Webinar registration! This option includes all the items listed above.

**100% surcharge applied to non-members.

Association Contact

Katie Yates
Education Coordinator
o: 317-387-9380
d: 317-333-7162
kyates@indiana.bank