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TitleFAQ: U.S. - "Conforming loan" for HMDA
AuthorKarl Zandi
Question

How does Moody's Analytics define a "conforming loan" in the HMDA database?

Answer

With the HMDA dataset, we define a conforming loan as having a maximum amount no greater than the figure published by the FHFA (as seen in annual series HFHFBCL.US).  For 2006 to 2012, this limit was set to $417,000.  We hold the limit constant for all geographies, and do not distinguish high-cost areas.

See Also: FHFA Conforming Loan Limits



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Home Mortgage Dislosure Act (HMDA)