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Lender Alerts

Lender Alerts

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HMDA 2018 Updates: Expanded Demographic Information

Dear Licensed Partner,

This communication provides a summary of Sun West’s requirements to meet expanded borrower demographic information as announced under the Consumer Financial Protection Bureau (CFPB) Home Mortgage Disclosure (Regulation C) final rule (HMDA final rule).

HMDA Rule Requirements The HMDA final rule requires collection of expanded information related to applicants’ ethnicity, race, and sex:
  • Additional subcategories to identify ethnicity and race
  • Individual “do not wish to provide” options for ethnicity, sex, and race
  • Ability to select multiple options (e.g., an applicant may select female, and male, and do not wish to provide)
Demographic Information Addendum The Demographic Information Addendum must be included as an addendum to the Uniform Residential Loan Application (URLA) with all loan applications dated on and after January 1, 2018.

If you have any questions, please contact your Client Relations Manager at (855) OK-SUNWEST or (855) 657-8693.


Sun West Mortgage Company, Inc.

18000 Studebaker Road, Suite 200
Cerritos, CA 90703
Phone: (800) 453-7884

SW-1: Our No Overlays Program

This information is provided to licensed brokers/lenders only and may not be copied or distributed to customers or potential customers. All loans are subject to approval. Certain restrictions may apply. Listed pricing is a morning indication only. Program rates, prices, guidelines, fees, costs, terms and conditions are subject to change without notice.

Equal Housing Opportunity