| {"chunk":{"char_end":27337,"char_start":25522,"chunk_id":"chk_7ee52a8bb8b16eb2","chunk_index":14,"chunk_sha256":"0164d776bd223d1da6fc465e1e199f7ae04b9c114c7c36d9e4ba0af62f2a66ae","date_utc":"2026-01-27T18:10:30+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_37a5a2ad11540249","text_sha256":"0164d776bd223d1da6fc465e1e199f7ae04b9c114c7c36d9e4ba0af62f2a66ae","token_estimate":454,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/2020-11819 (1).pdf"]},"text":"Introductory Rate Period: Introductory\n\nRate Period is a new HMDA data\nelement collected by the Enterprises\nthat indicates the number of months\nuntil the first date the interest rate may\nchange.28 It will be disclosed without\nmodification in the PUDB Single-Family\nCensus Tract File, in conformance with\nthe CFPB Privacy Guidance.29\n\nProperty Value: Property Value is a\nnew HMDA data element collected by\nthe Enterprises that discloses the value\nof the property securing the loan, in\nexact dollars, that was relied on by the\nlender in making the credit decision to\n\n26 12 CFR 1003.4(a)(19); CFPB Home Mortgage\n\nDisclosure Act FAQs, https://\nwww.consumerfinance.gov/policy-compliance/\nguidance/hmda-implementation/home-mortgage-\ndisclosure-act-faqs/#discount-points (Aug. 28,\n2019).\n\n27 84 FR at 656.\n28 12 CFR 1003.4(a)(26).\n29 84 FR at 656.\n\noriginate the loan.30 Because Property\nValue can be highly unique within a\ncensus tract, the CFPB Privacy Guidance\ndiscloses it as the midpoint of the\n$10,000 interval in which the actual\nvalue falls in order to reduce the ability\nto match it with other sources of data\nand facilitate re-identification of the\nborrower.31 Beginning with the 2018\nPUDB, the Single-Family Census Tract\nFile will disclose Property Value with\nthe same modification as in the CFPB\nPrivacy Guidance.\n\nPreapproval: 32 Preapproval is a\nmodified HMDA data element that\nindicates whether preapproval of the\nloan was requested by the applicant\nunder a financial institution’s covered\npreapproval program.33 Fannie Mae\nindicated that it collects some\npreapproval data. Freddie Mac\nindicated that it does not collect any\npreapproval data. The available\nPreapproval data will be disclosed\nwithout modification in the PUDB\nSingle-Family Census Tract File, in\nconformance with the CFPB Privacy\nGuidance.34\n"} | |