---
title: "HMDA: Mixed-Use Properties"
description: A property is classified as residential or non-residential for HMDA purposes, the primary purpose of the building. A borrower's statement of intent
---

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

# [HMDA: Mixed-Use Properties](https://blog.bankerscompliance.com/en/hmda-mixed-use-properties-2)

 Written by [David Dickinson](https://blog.bankerscompliance.com/en/author/david-dickinson) | Feb 10, 2023 7:24:23 PM

HMDA is all about dwellings. Specifically, dwelling-secured loans where the proceeds will be used to purchase, refinance or improve a dwelling and other consumer purposes. A “dwelling” can be a single-family home, an apartment complex, a mobile home, a rental house, etc. So, what do you do when you have a property that has both dwelling (residential) and commercial (non-residential) space? Or, in other words, a “mixed-use” property. Is it a dwelling for [HMDA](https://www.consumerfinance.gov/data-research/hmda/) purposes or a non-dwelling not subject to HMDA?

David explains more in the video.

 

### Video Highlights:

- Whether a property is classified as residential or non-residential for [HMDA](https://www.fdic.gov/news/financial-institution-letters/2021/fil21021.html) purposes, the primary purpose of the building should be considered.
- A borrower's statement of intent and/or criteria such as square footage and income per square foot may be used.
- It is important to document your determination in the loan file.

Published  
2023/02/10

 

[View full post](https://blog.bankerscompliance.com/en/hmda-mixed-use-properties-2)

```json
{
  "@context" : "http://schema.org",
  "@type" : "BlogPosting",
  "author" : {
    "@type" : "Person",
    "name" : "David Dickinson"
  },
  "dateModified" : "2023-02-10T19:24:23.858Z",
  "datePublished" : "2023-02-10T19:24:23Z",
  "headline" : "HMDA: Mixed-Use Properties",
  "image" : {
    "@type" : "ImageObject",
    "height" : 3543,
    "url" : "https://21201105.fs1.hubspotusercontent-na1.net/hubfs/21201105/Mixed%20Use%20HMDA.jpeg",
    "width" : 4724
  },
  "mainEntityOfPage" : "https://blog.bankerscompliance.com/en/hmda-mixed-use-properties-2",
  "publisher" : {
    "@type" : "Organization",
    "logo" : {
      "@type" : "ImageObject",
      "height" : 60.0,
      "url" : "https://fs.hubspotusercontent00.net/hubfs/21201105/Bankers_Compliance_Consulting_Logo%20copy%202.jpg",
      "width" : 310.30304
    },
    "name" : "Banker's Compliance Consulting Blog"
  }
}
```