24 C.F.R. § 200.410
§ 200.410 Definition of term “applicant”. (24 CFR Part 200)
Operative Text
(a) In any mortgage or loan insurance transaction under this chapter where the Commissioner will control the mortgagor either through the ownership of corporate stock or under the provisions of a regulatory agreement, the term applicant as used in § 200.415 shall mean the mortgagor. (b) In any transaction other than one specified in paragraph (a) of this section, the term applicant as used in § 200.415 shall mean the developer, or the builder, dealer or contractor performing the construction, repair or rehabilitation work for the property owner.
Section 200.410 of 24 CFR Part 200 establishes who qualifies as an "applicant" for purposes of the equal opportunity certification requirement found in § 200.415. In transactions where the Commissioner exercises control over the mortgagor—either through stock ownership or a regulatory agreement—the mortgagor itself holds that designation. In all other covered transactions, the term shifts to the developer, builder, dealer, or contractor who is performing the construction, repair, or rehabilitation work on behalf of the property owner.
Plain English — not legal advice.
Property owners and managers involved in FHA-insured mortgage or loan transactions should be aware that § 200.410 determines which party bears the "applicant" designation for equal opportunity certification purposes under § 200.415. When the Commissioner controls the mortgagor through a regulatory agreement or stock ownership, the mortgagor is the applicant and carries the associated compliance obligations. In other transactions, the developer or contractor performing the work steps into that role, meaning operators should confirm with their project team which party is responsible for fulfilling the § 200.415 requirements.
General guidance for property managers — not legal advice for your specific situation. Consult an attorney for advice on your case.
For tenants living in or seeking housing in properties financed through FHA-insured programs, § 200.410 is part of the regulatory framework that assigns equal opportunity obligations to specific parties in the transaction. Understanding which party is designated as the "applicant" under this provision can be relevant when evaluating whether the correct entity has fulfilled its fair housing certification duties under § 200.415. Tenants who believe equal opportunity requirements have not been met may consider contacting HUD directly, raising the issue with a local fair housing organization, or consulting a tenant-rights group familiar with federally assisted housing programs.
General guidance for tenants — not legal advice for your specific situation. Consult a tenant-rights organization or attorney for advice on your case.
Generated September 4, 2026 — auto-generated, not yet human-reviewed. See /transparency for methodology.
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