---
title: "Advanced HMDA Concept: What’s a Dwelling"
description: Understand HMDA's definition of a dwelling, including various types like primary residences and exclusions such as agricultural properties, to ensure accurate HMDA reporting.
---

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# [Advanced HMDA Concept: What’s a Dwelling](https://blog.bankerscompliance.com/en/advanced-hmda-concept-whats-a-dwelling)

 Written by [David Dickinson](https://blog.bankerscompliance.com/en/author/david-dickinson) | Apr 24, 2025 2:54:48 PM

HMDA is a complex regulation. While it might appear simple on the surface, it can get quite complicated. For example, one of the types of applications, [HMDA](https://www.consumerfinance.gov/data-research/hmda/) says you must collect/report information for one to purchase a dwelling. First you need to know how HMDA defines a dwelling and understand that may not be the same as other regulations you deal with. A “dwelling” for HMDA purposes can be a lot of different things. It could be primary residence, an apartment building, a vacation home, a mobile home park, etc. But there are also exclusions you must be aware of as well. For example, the Regulation states, *a HMDA defined dwelling does not include …a dwelling that is located on real property that is used primarily for agricultural purposes (e.g., a farm… or ranch)*.

David explains more in the video.

[ HMDA Resources!  ](https://cta-service-cms2.hubspot.com/web-interactives/public/v1/track/click?encryptedPayload=AVxigLJNd0BupCtPVlAtzEmajgbL6CLEOq0AmcnrzmzF%2FCsAZqLA98x01Wan9PvAukkHdbyH5a%2FiqM%2FtTWReS9AdJaHwMXBmqmB92oGNP1hvbNHxyE7dCKPCIUe4%2B3Wh%2Bm1lWfVBF6Jp71kRKNX%2F%2BS%2Fj29Rgu90%2Fb2c8H%2Fmz51RkczdEsZBvCWc4vIqnLa8my60YLV6jfpIFgVDJit6JGvFgAWlMoqW%2BU6k%3D&portalId=21201105) 

Published  
2025/04/24

[View full post](https://blog.bankerscompliance.com/en/advanced-hmda-concept-whats-a-dwelling)

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