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First, very small lenders are not required to report mortgages under HMDA, and are therefore excluded from our analysis.[2] Second, we are not able to identify as many CDFI loan funds as likely exist in the HMDA data.[3] However, subject-matter experts indicated to us that CDFI loan funds make up only a small proportion of CDFI mortgage origination in New York City, as loan funds tend to focus on other consumer financial products