Depository and nondepository institutions must meet certain reporting criteria before they are required to complete a HMDA Loan Application Register (LAR), as a result of applications for, and originations and purchase of home purchase loans (including refinancings and home improvement loans).

• Depository institutions: banks, savings associations, and credit unions
  2012 Reporting Criteria: PDF File
  2011 Reporting Criteria: PDF File
  
  Historical Reporting Criteria
  
  
  
• Nondepository institutions: for-profit mortgage lending institutions (other than banks, savings associations, and credit unions)
  2012 Reporting Criteria: PDF File
  2011 Reporting Criteria: PDF File
  
  Historical Reporting Criteria