Small and mid-sized lenders were the most active in the market for loans covered by the federal Home Ownership and Equity Protection Act in 2004, a new analysis by Inside B&C Lending reveals. Starting in 2005, lenders were required to designate HOEPA loans when they filed reports under the Home Mortgage Disclosure Act. HOEPA covers first mortgages with APRs of 8 percent or more above Treasury securities or on which the borrower pays the… [One data table included]