For purposes of this chapter -

(1)

the term ''mortgage loan'' means a loan which is secured by residential real property or a home improvement loan;

(2)

the term ''depository institution'' -

(A)

means -

(i)

any bank (as defined in section 1813(a)(1) of this title);

(ii)

any savings association (as defined in section 1813(b)(1) of this title); and

(iii)

any credit union,

which makes federally related mortgage loans as determined by the Board; and

(B)

includes any other lending institution (as defined in paragraph (4)) other than any institution described in subparagraph (A);

(3)

the term ''completed application'' means an application in which the creditor has received the information that is regularly obtained in evaluating applications for the amount and type of credit requested;

(4)

the term ''other lending institutions'' means any person engaged for profit in the business of mortgage lending;

(5)

the term ''Board'' means the Board of Governors of the Federal Reserve System; and

(6)

the term ''Secretary'' means the Secretary of Housing and Urban Development