May 26, 2022 at 9:39 am EDT
#36974
jholzknecht
Keymaster
Both open-end and closed-end loans are reported on your HMDA LAR. However the LAR field that requires reporting of lender credits only applies to transaction subject to TRID, section 1026.19 of Regulation Z. HELOCs are open-end credit and are not subject to TRID, therefore the lenders credits on a HELOC are not reported on your LAR.