---
title: "HMDA: Manufactured Homes"
description: Guidance for bankers. HMDA and Manufactured Homes. Help for lenders.
---

[Banker's Compliance Consulting Blog ](https://blog.bankerscompliance.com/en)

# [HMDA: Manufactured Homes](https://blog.bankerscompliance.com/en/hmda-manufactured-homes)

 Written by [David Dickinson](https://blog.bankerscompliance.com/en/author/david-dickinson) | Nov 13, 2023 5:07:10 PM

When it comes to HMDA, there are some things to be aware of when dealing with manufactured homes. First, if a manufactured home was constructed prior to June 15, 1976, it is not considered a dwelling for [HMDA](https://www.consumerfinance.gov/compliance/compliance-resources/mortgage-resources/hmda-reporting-requirements/) purposes. Second, any manufactured home constructed after that date and that does not bear a HUD Certification Label is a dwelling for[ HMDA](https://ffiec.cfpb.gov/) purposes but not a manufactured dwelling. To be a manufactured dwelling, it must be meet both conditions (date and certification). This distinction comes into play when reporting certain data on your HMDA LAR.

David explains more in the video.

Published  
2023/11/13

[View full post](https://blog.bankerscompliance.com/en/hmda-manufactured-homes)

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