Which type of mortgage loans do not fall under RESPA requirements?

Private loans retained by the lender do not fall under the requirements of the Real Estate Settlement Procedures Act (RESPA) because these loans are not sold to secondary market entities or insured by government agencies. Federal Housing Administration loans and loans insured by the Veterans Administration do fall under RESPA requirements because they are government-insured loans. Conventional loans sold to Fannie Mae are also subject to RESPA requirements because they are sold to a secondary market entity. It is important for lenders and borrowers to be aware of RESPA requirements in order to ensure a fair and transparent mortgage loan process.