If the FFIEC 50% RE collateral test reclassifies this loan as secured by real estate, lien position determines whether it falls in item 1.c.(2)(a) — first lien — or item 1.c.(2)(b) — junior lien. Also enter any prior loan balances below so the 50% test uses the correct net equity.
1 Loan Basics
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2 Borrower Type & Loan Purpose
Always report in item 1.e.(2) — regardless of borrower operational control:
hotels, motels, dormitories, nursing homes, assisted-living facilities, mini-storage warehouses, and similar properties where the occupants are guests, residents, or tenants — not the borrower itself. Do not check owner-occupied for these property types.
Purpose codes: Owner-Occupied → 310 (FHLB) / 311 (non-FHLB) | Investment / Spec → 315 (FHLB) / 316 (non-FHLB)
Purpose codes: Primary → 360 | Non-Primary → 361
Purpose codes: Bridge → 335 (non-FHLB only, no FHLB-qualified bridge code) | Standard first lien → 330 (FHLB) / 331 (non-FHLB)
Other Loan Balances on This Collateral
If any other loans are already secured by this property — whether as a senior lien or a separate loan sharing the same collateral — enter their combined outstanding balance here. This reduces the net equity available for the FFIEC 50% collateral test. Leave blank if none.
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Appraised value is taken from the Primary Collateral section below.
3 Primary Collateral
Collateral scope: Enter the primary asset securing this loan — whether pledged directly on the note or pledged by a guarantor to secure their guaranty. Both are treated as collateral for FFIEC classification purposes.
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Other Loan Balances on This Property
Enter the combined outstanding balance of any other loans already secured by this property. This reduces net equity in the FFIEC 50% collateral calculation.
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Abundance of Caution (AOC) — Primary RE Collateral
When RE is taken solely as an abundance of caution, it does NOT trigger RE loan classification. All three conditions below must be met and documented.
4 Cross-Collateralization
5 FHLB Eligibility Analysis Optional — complete Sections 1–4 first
Screen whether this loan meets FHLBank Topeka's underwriting requirements for collateral pledging. Questions are tailored to the loan type identified above. Complete the main form before expanding.
Schedule RC-C, Part I
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