Version: 2021

5. 2021 Edit Specifications

Print Page

5.1 Introduction

HMDA edits are rules to assist filers in checking the accuracy of HMDA data prior to submission. There are four types of edits:

Syntactical: Edits that check whether the loan/application register is in the correct format and whether the data covers the correct filing year. A syntactical edit occurs, for example, if none of the rows in the loan/application register begin with the number two (2) to indicate that the following data fields contain information relating to the reported loan or application. The loan/application register cannot be submitted until the filer corrects all syntactical edit errors and re-uploads the updated loan/application register to the HMDA Platform.
Validity: Edits that check whether there are valid values in each data field. A validity edit occurs, for example, if the contact person’s telephone number does not follow the format “999-999-9999.” The loan/application register cannot be submitted until the filer corrects all validity edit errors and re-uploads the updated loan/application register to the HMDA Platform.
Quality: Edits that check whether entries in the individual data fields or combinations of data fields conform to expected values. A quality edit occurs, for example, if the reported Tax Identification Number does not match the Tax Identification Number the institution reported on the previous year’s loan/application register. The loan/application register cannot be submitted until the filer either confirms the accuracy of all values flagged by quality edits in the HMDA Platform or corrects the flagged values and re-uploads the updated loan/application register to the HMDA Platform.
Macro Quality: Edits that check whether the submitted loan/application register as a whole conforms to expected values. A macro quality edit occurs, for example, if the reported percentage of multifamily loans exceeds 10% of the loan/application register entries. The loan/application register cannot be submitted until the filer either confirms the accuracy of all the values flagged by the macro quality edits in the HMDA Platform or corrects the flagged values and re-uploads the updated loan/application register to the HMDA Platform.

5.2 2021 New and Revised Edits

TABLE 3: 2021 EDITS REVISED FROM 2020

Table 3
Type of Data Field	Edit Number	Data Point	Modification
Transmittal Sheet	S304	Total Number of Entries Contained in Submission	Updated language for added clarity
Transmittal Sheet	V719	Financial Institution Name	New edit to check format of Financial Institution Name
Loan/Application Register	V695	Mortgage Loan Originator NMLSR Identifier	Updated edit to check values of NMLSR ID
Loan/Application Register	V696	Automated Underwriting System	Edit modified to include new AUS enumeration code
Loan/Application Register	Q615	Origination Charges; Total Loan Costs; Total Points and Fees	Clarified that edit triggers only when both values are nonzero numbers
Loan/Application Register	Q616	Discount Points; Total Loan Costs; Total Points and Fees	Clarified that edit triggers only when both values are nonzero numbers
Loan/Application Register	Q650	Interest Rate	Updated edit to check decimal point limit for maximum value
Loan/Application Register	Q655	Multifamily Affordable Units	New edit to check Multifamily Affordable Units value at a value
Loan/Application Register	Q656	Any data point eligible for an alphanumeric exemption code	New edit to check for the use of 1111 as an exemption code
Loan/Application Register	Q657	Any data point with a numeric data field type that is not eligible for an exemption code	New edit to check for the use of 1111 in non-exemption integer fields

5.3 2021 Edits

Table 4 through Table 8 list all of the edits for HMDA data collected in 2021 under the HMDA Final Rule. Each table groups the edits by type and whether the edit is related to the data fields in the “Filing Institution, Reporting Period, and Contact Information (Transmittal Sheet)” section or the “Loan/Application Register” section. Edits for data collected in 2021 are grouped by data point and may contain more than one condition that must be true for the edit to pass during filing. Conditions within the edit description are distinguished with a number. To increase clarity, the tables contain a column specifying each data field that affects the overall edit, and the edit descriptions contain all data field names in italics.

TABLE 4: SYNTACTICAL AND VALIDITY EDITS FOR FILING INSTITUTION, REPORTING PERIOD, AND CONTACT INFORMATION (TRANSMITTAL SHEET), AND LOAN/APPLICATION REGISTER

Table 4
Edit ID	Data Point Name	Affected Data Fields	Edit Description
S300	N/A	Record Identifier	The data provided in the file is incorrect. Please review the information below and update your file accordingly. The following criteria must be met: 1) The first row of your file must begin with a 1; and 2) Any subsequent rows must begin with a 2.
S301	Legal Entity Identifier (LEI)	Legal Entity Identifier (LEI)	The LEI in this row does not match the reported LEIin the transmittal sheet (the first row of your file). Please update your file accordingly.
V600	Legal Entity Identifier (LEI)	Legal Entity Identifier (LEI)	An LEI in an invalid format was provided. Please review the information below and update your file accordingly. 1) The required format for LEI is alphanumeric with 20 characters, and it cannot be left blank.

TABLE 5: SYNTACTICAL AND VALIDITY EDITS FOR FILING INSTITUTION, REPORTING PERIOD, AND CONTACT INFORMATION (TRANSMITTAL SHEET)

Table 5
Edit ID	Data Field Name(s)	Edit Description
S302	Calendar Year	The reported Calendar Year does not match the filing year indicated at the start of the filing. Please confirm the information below and update your file accordingly. 1) The correct file has been uploaded; and 2) The correct filing year was chosen at the start of the filing; and 3) The calendar year is listed correctly in the file.
S303	Federal Agency; Federal Taxpayer Identification Number; Legal Entity Identifier (LEI)	The reported Federal Agency; Federal Taxpayer Identification Number ; and Legal Entity Identifiermust match the Federal Agency ; Federal Taxpayer Identification Number; and Legal Entity Identifier for the financial institution for which you are filing. Please confirm the information below and update your file accordingly. 1) The correct financial institution was at the start of the filing; and 2) The correct file was uploaded; and 3) TheFederal Agency,Federal Taxpayer Identification Number, and Legal Entity Identifier are reported correctly in the file.
S304	Total Number of Entries Contained in Submission	The reported Total Number of Entries Contained in Submission does not match the total number of LAR records in the HMDA file. Please update your file accordingly to ensure that your file contains the correct number of entries .
V601	Financial Institution Name; Contact Person’s Name; Contact Person’s E-mail Address; Contact Person’s Office Street Address; Contact Person’s Office City	The following data fields are required, and cannot be left blank. A blank value(s) was provided. Please review the information below and update your file accordingly. 1) Financial Institution Name; 2) Contact Person’s Name; 3) Contact Person’s E-mail Address; 4) Contact Person’s Office Street Address; 5) Contact Person’s Office City
V602	Calendar Quarter	An invalid Calendar Quarter was reported. Please review the information below and update your file accordingly. 1) Calendar Quarter must equal 4, and cannot be left blank.
V603	Contact Person’s Telephone Number	An invalid Contact Person’s Telephone Number was provided. Please review the information below and update your file accordingly. 1) The required format for the Contact Person’s Telephone Number is 999-999-9999, and it cannot be left blank.
V604	Contact Person’s Office State	An invalid Contact Person’s Office State was provided. Please review the information below and update your file accordingly. 1) Contact Person’s Office State must be a two-letter state code, and cannot be left blank.
V605	Contact Person’s Office ZIP Code	An invalid Contact Person’s ZIP Code was provided. Please review the information below and update your file accordingly. 1) The required format for the Contact Person’s ZIP Code is 12345-1010 or 12345, and it cannot be left blank.
V606	Total Number of Entries Contained in Submission	The reported Total Number of Entries Contained in Submission is not in the valid format. Please review the information below and update your file accordingly. 1) The required format for the Total Number of Entries Contained in Submission is a whole number that is greater than zero, and it cannot be left blank.
V607	Federal Taxpayer Identification Number	An invalid Federal Taxpayer Identification Number was provided. Please review the information below and update your file accordingly. 1) The required format for the Federal Taxpayer Identification Number is 99-9999999, and it cannot be left blank.
V717	Contact Person’s Email Address	An invalid Contact Person’s Email Addresswas provided. Please review the information below and update your file accordingly. 1) The required format for the Contact Person’s Email Address is name@example.com, and it cannot be left blank.

TABLE 6: SYNTACTICAL AND VALIDITY EDITS FOR LOAN/APPLICATION REGISTER

Table 6
Edit ID	Data Point Name	Affected Data Fields	Edit Description
S305	Applicable to all data fields	All data fields in the LAR	A duplicate transaction has been reported. Please review and update your file accordingly.
S306	Universal Loan Identifier (ULI)	Universal Loan Identifier (ULI)	A duplicate ULI has been reported. Please review and update your file accordingly. 1) If Action Taken equals 1, a duplicate ULI cannot be reported.
V608	Universal Loan Identifier (ULI) or Non-Universal Loan Identifier (NULI)	Universal Loan Identifier (ULI) Universal Loan Identifier (NULI)	A ULI with an invalid format was provided. Please review the information below and update your file accordingly. 1) The required format for ULI is alphanumeric with at least 23 characters and up to 45 characters, and it cannot be left blank. 2) The required format for NULIis alphanumeric with at least 1 character and no more than 22 characters, and it cannot be left blank.
V609	Universal Loan Identifier (ULI)	Universal Loan Identifier (ULI)	An invalid ULI was reported. Please review the information below and update your file accordingly. 1) Based on the check digit calculation, the ULI contains a transcription error.
V610	Application Date	Application Date; Action Taken	An invalid data field was reported. Please review the information below and update your file accordingly. 1) Application Date must be either a valid date using YYYYMMDD format or NA, and cannot be left blank. 2) If Action Taken equals 6, then Application Date must be NA, and the reverse must be true.
V611	Loan Type	Loan Type	An invalid Loan Type was reported. Please review the information below and update your file accordingly. 1) Loan Type must equal 1, 2, 3, or 4, and cannot be left blank.
V612	Loan Purpose	Loan Purpose; Preapproval	An invalid Loan Purpose was reported. Please review the information below and update your file accordingly. 1) Loan Purpose must equal 1, 2, 31, 32, 4, or 5, and cannot be left blank. 2) If Preapprovalequals 1, then Loan Purpose must equal 1.
V613	Preapproval	Preapproval; Action Taken	An invalid Preapprovaldata field was provided. Please review the information below and update your file accordingly. 1) Preapproval must equal 1 or 2, and cannot be left blank. 2) If Action Taken equals 7 or 8, then Preapproval must equal 1. 3) If Action Taken equals 3, 4, 5, or 6, then Preapproval must equal 2. 4) If Preapproval equals 1, then Action Taken must equal 1, 2, 7, or 8.
V614	Preapproval	Preapproval; Loan Purpose; Multifamily Affordable Units; Reverse Mortgage; Open-End Line of Credit	An invalid Preapprovalwas provided. Please review the information below and update your file accordingly. 1) If Loan Purpose equals 2, 4, 31, 32, or 5, then Preapproval must equal 2. 2) If Multifamily Affordable Units is a number, then Preapproval must equal 2. 3) If Reverse Mortgage equals 1, then Preapproval must equal 2. 4) If Open-End Line of Credit equals 1, then Preapproval must equal 2.
V615	Construction Method	Construction Method; Manufactured Home Land Property Interest; Manufactured Home Secured Property Type	An invalid Construction Method was reported. Please review the information below and update your file accordingly. 1) Construction Method must equal 1 or 2, and cannot be left blank. 2) If Manufactured Home Land Property Interest equals 1, 2, 3, or 4, then Construction Method must equal 2. 3) If Manufactured Home Secured Property Type equals 1 or 2 then Construction Method must equal 2.
V616	Occupancy Type	Occupancy Type	An invalid Occupancy Type was reported. Please review the information below and update your file accordingly. 1) Occupancy Type must equal 1, 2, or 3, and cannot be left blank.
V617	Loan Amount	Loan Amount	An invalid Loan Amount was reported. Please review the information below and update your file accordingly. 1) Loan Amountmust be a number greater than or equal to 0, and cannot be left blank.
V618	Action Taken	Action Taken	An invalid Action Taken was reported. Please review the information below and update your file accordingly. 1) Action Taken must equal 1, 2, 3, 4, 5, 6, 7, or 8, and cannot be left blank.
V619	Action Taken Date	Action Taken Date; Application Date	An invalid Action Taken Date was reported. Please review the information below and update your file accordingly. 1) Action Taken Date must be a valid date using YYYYMMDD format, and cannot be left blank. 2) The Action Taken Datemust be in the reporting year. 3) If Action Taken equals 1, 2, 3, 4, 5, 7, or 8, then the Action Taken Datemust be on or after the Application Date.
V620	Property Address	Street Address	An invalid Street Address was provided. Please review the information below and update your file accordingly. 1) Street Address cannot be left blank.
V621	Property Address	City	An invalid City was provided. Please review the information below and update your file accordingly. 1) Citycannot be left blank.
V622	Property Address	Street Address; City; State; Zip Code	An invalid City,State, and/or Zip Code were provided. Please review the information below and update your file accordingly. 1) If Street Address was not reported NA or Exempt, then City,State, and Zip Code must be provided, and not reported NA.
V623	Property Address; Property Location	State	An invalid State was provided. Please review the information below and update your file accordingly. 1) Statemust be either a two-letter state code or NA, and cannot be left blank.
V624	Property Address	Zip Code	An invalid Zip Code was provided. Please review the information below and update your file accordingly. 1) The required format for Zip Code is 12345-1010, 12345, NA, or Exempt, and cannot be left blank.
V625	Property Location	Census Tract	An invalid Census Tract was provided. Please review the information below and update your file accordingly. 1) The required format for Census Tract is an eleven-digit number or NA, and it cannot be left blank. 2) If Census Tractis not reported NA, then the number provided must be a valid census tract number defined by the U.S. Census Bureau.
V626	Property Location	County	An invalid County was provided. Please review the information below and update your file accordingly. 1) The required format for County is a five-digit FIPS code or NA, and it cannot be left blank
V627	Property Location	Census Tract; County	An invalid Census Tract or County was provided. Please review the information below and update your file accordingly. 1) If Countyand Census Tractare not reported NA, theymust be a valid combination of information. The first five digits of theCensus Tractmust match the reported five-digit County FIPS code.
V628	Ethnicity	Ethnicity of Applicant or Borrower: 1; Ethnicity of Applicant or Borrower: 2; Ethnicity of Applicant or Borrower: 3; Ethnicity of Applicant or Borrower: 4; Ethnicity of Applicant or Borrower: 5; Ethnicity of Applicant or Borrower: Free Form Text Field for Other Hispanic or Latino	An invalid Ethnicitydata field was reported. Please review the information below and update your file accordingly. 1) Ethnicity of Applicant or Borrower: 1 must equal 1, 11, 12, 13, 14, 2, 3, or 4, and cannot be left blank, unless an ethnicity is provided in Ethnicity of Applicant or Borrower: Free Form Text Field for Other Hispanic or Latino . 2) Ethnicity of Applicant or Borrower: 2; Ethnicity of Applicant or Borrower: 3 ;Ethnicity of Applicant or Borrower: 4; Ethnicity of Applicant or Borrower: 5 must equal 1, 11, 12, 13, 14, 2, or be left blank. 3) Each Ethnicity of Applicant or Borrower code can only be reported once. 4) If Ethnicity of Applicant or Borrower: 1 equals 3 or 4; then Ethnicity of Applicant or Borrower: 2; Ethnicity of Applicant or Borrower: 3;Ethnicity of Applicant or Borrower: 4; Ethnicity of Applicant or Borrower: 5 must be left blank.
V629	Ethnicity	Ethnicity of Applicant or Borrower: 1; Ethnicity of Applicant or Borrower: 2; Ethnicity of Applicant or Borrower: 3; Ethnicity of Applicant or Borrower: 4; Ethnicity of Applicant or Borrower: 5; Ethnicity of Applicant or Borrower Collected on the Basis of Visual Observation or Surname; Ethnicity of Applicant or Borrower: Free Form Text Field for Other Hispanic or Latino.	An invalid Ethnicitydata field was reported. Please review the information below and update your file accordingly. 1) Ethnicity of Applicant or Borrower Collected on the Basis of Visual Observation or Surname must equal 1, 2, or 3, and cannot be left blank. 2) If Ethnicity of Applicant or Borrower Collected on the Basis of Visual Observation or Surname equals 1, then Ethnicity of Applicant or Borrower: 1 must equal 1 or 2; and Ethnicity of Applicant or Borrower: 2 must equal 1, 2 or be left blank;and Ethnicity of Applicant or Borrower: 3 ; Ethnicity of Applicant or Borrower: 4; and Ethnicity of Applicant or Borrower: 5 must all be left blank. 3) If Ethnicity of Applicant or Borrower Collected on the Basis of Visual Observation or Surname equals 2, then Ethnicity of Applicant or Borrower: 1 must equal 1, 11, 12, 13, 14, 2, or 3, and cannot be left blank, unless an ethnicity is provided in Ethnicity of Applicant or Borrower: Free Form Text Field for Other Hispanic or Latino .
V630	Ethnicity	Ethnicity of Applicant or Borrower: 1; Ethnicity of Applicant or Borrower Collected on the Basis of Visual Observation or Surname	An invalid Ethnicity data field was reported. Please review the information below and update your file accordingly. 1) If Ethnicity of Applicant or Borrower: 1 equals 4, then Ethnicity of Applicant or Borrower Collected on the Basis of Visual Observation or Surname must equal 3.
V631	Ethnicity	Ethnicity of Co-Applicant or Co-Borrower: 1; Ethnicity of Co-Applicant or Co-Borrower: 2; Ethnicity of Co-Applicant or Co-Borrower: 3; Ethnicity of Co-Applicant or Co-Borrower: 4; Ethnicity of Co-Applicant or Co-Borrower: 5; Ethnicity of Co-Applicant or Co-Borrower: Free Form Text Field for Other Hispanic or Latino.	An invalid Ethnicitydata field was reported. Please review the information below and update your file accordingly. 1) Ethnicity of Co-Applicant or Co-Borrower: 1 must equal 1, 11, 12, 13, 14, 2, 3, 4, or 5, and cannot be left blank, unless an ethnicity is provided in Ethnicity of Co-Applicant or Co-Borrower: Free Form Text Field for Other Hispanic or Latino . 2) Ethnicity of Co-Applicant or Co-Borrower: 2; Ethnicity of Co-Applicant or Co-Borrower: 3; Ethnicity of Co-Applicant or Co-Borrower: 4 ; Ethnicity of Co-Applicant or Co-Borrower: 5 must equal 1, 11, 12, 13, 14, 2, or be left blank. 3) Each Ethnicity of Co-Applicant or Co-Borrower code can only be reported once. 4) If Ethnicity of Co-Applicant or Co-Borrower: 1 equals 3, 4, or 5; then Ethnicity of Co-Applicant or Co-Borrower: 2; Ethnicity of Co-Applicant or Co-Borrower: 3 ; Ethnicity of Co-Applicant or Co-Borrower: 4; Ethnicity of Co-Applicant or Co-Borrower: 5 must be left blank.
V632	Ethnicity	Ethnicity of Co-Applicant or Co-Borrower: 1; Ethnicity of Co-Applicant or Co-Borrower: 2; Ethnicity of Co-Applicant or Co-Borrower: 3; Ethnicity of Co-Applicant or Co-Borrower: 4; Ethnicity of Co-Applicant or Co-Borrower: 5; Ethnicity of Co-Applicant or Co-Borrower Collected on the Basis of Visual Observation or Surname; Ethnicity of Co-Applicant or Co-Borrower: Free Form Text Field for Other Hispanic or Latino	An invalid Ethnicitydata field was reported. Please review the information below and update your file accordingly. 1) Ethnicity of Co-Applicant or Co-Borrower Collected on the Basis of Visual Observation or Surname must equal 1, 2, 3, or 4, and cannot be left blank. 2) If Ethnicity of Co-Applicant or Co-Borrower Collected on the Basis of Visual Observation or Surname equals 1 ; then Ethnicity of Co-Applicant or Co-Borrower: 1 must equal 1 or 2; and Ethnicity of Co-Applicant or Co-Borrower: 2 must equal 1, 2 or be left blank;and Ethnicity of Co-Applicant or Co-Borrower: 3; Ethnicity of Co-Applicant or Co-Borrower: 4; Ethnicity of Co-Applicant or Co-Borrower: 5 must all be left blank. 3) If Ethnicity of Co-Applicant or Co-Borrower Collected on the Basis of Visual Observation or Surname equals 2 ; then E thnicity of Co-Applicant or Co-Borrower: 1 must equal 1, 11, 12, 13, 14, 2, or 3, and cannot be left blank, unless an ethnicity is provided in Ethnicity of Co-Applicant or Co-Borrower: Free Form Text Field for Other Hispanic or Latino .
V633	Ethnicity	Ethnicity of Co-Applicant or Co-Borrower: 1; Ethnicity of Co-Applicant or Co-Borrower Collected on the Basis of Visual Observation or Surname	An invalid Ethnicity data field was reported. Please review the information below and update your file accordingly. 1) If Ethnicity of Co-Applicant or Co-Borrower: 1 equals 4, then Ethnicity of Co-Applicant or Co-Borrower Collected on the Basis of Visual Observation or Surname must equal 3.
V634	Ethnicity	Ethnicity of Co-Applicant or Co-Borrower: 1; Ethnicity of Co-Applicant or Co-Borrower Collected on the Basis of Visual Observation or Surname	An invalid Ethnicity data field was reported. Please review the information below and update your file accordingly. 1) If Ethnicity of Co-Applicant or Co-Borrower: 1 equals 5, then Ethnicity of Co-Applicant or Co-Borrower Collected on the Basis of Visual Observation or Surname must equal 4, and the reverse must be true.
V635	Race	Race of Applicant or Borrower: 1; Race of Applicant or Borrower: 2; Race of Applicant or Borrower: 3; Race of Applicant or Borrower: 4; Race of Applicant or Borrower: 5; Race of Applicant or Borrower: Free Form Text Field for American Indian or Alaska Native Enrolled or Principal Tribe;Race of Applicant or Borrower: Free Form Text Field for Other Asian; Race of Applicant or Borrower: Free Form Text Field for Other Pacific Islander	An invalid Race data field was reported. Please review the information below and update your file accordingly. 1) Race of Applicant or Borrower: 1must equal 1, 2, 21, 22, 23, 24, 25, 26, 27, 3, 4, 41, 42, 43, 44, 5, 6, or 7, and cannot be left blank, unless a race is provided in Race of Applicant or Borrower: Free Form Text Field for American Indian or Alaska Native Enrolled or Principal Tribe , Race of Applicant or Borrower: Free Form Text Field for Other Asian, or Race of Applicant or Borrower: Free Form Text Field for Other Pacific Islander . 2) Race of Applicant or Borrower: 2; Race of Applicant or Borrower: 3 ; Race of Applicant or Borrower: 4; Race of Applicant or Borrower: 5 must equal 1, 2, 21, 22, 23, 24, 25, 26, 27, 3, 4, 41, 42, 43, 44, 5, or be left blank. 3) Each Race of Applicant or Borrower code can only be reported once. 4) If Race of Applicant or Borrower: 1 equals 6 or 7; then Race of Applicant or Borrower: 2;Race of Applicant or Borrower: 3;Race of Applicant or Borrower: 4; and Race of Applicant or Borrower: 5 must all be left blank.
V636	Race	Race of Applicant or Borrower: 1; Race of Applicant or Borrower: 2; Race of Applicant or Borrower: 3; Race of Applicant or Borrower: 4; Race of Applicant or Borrower: 5; Race of Applicant or Borrower Collected on the Basis of Visual Observation or Surname; Race of Applicant or Borrower: Free Form Text Field for American Indian or Alaska Native Enrolled or Principal Tribe; Race of Applicant or Borrower: Free Form Text Field for Other Asian; Race of Applicant or Borrower: Free Form Text Field for Other Pacific Islander	An invalid Race data field was reported. Please review the information below and update your file accordingly. 1) Race of Applicant or Borrower Collected on the Basis of Visual Observation or Surname must equal 1, 2, or 3, and cannot be left blank. 2) If R ace of Applicant or Borrower Collected on the Basis of Visual Observation or Surname equals 1; then Race of Applicant or Borrower: 1 must equal 1, 2, 3, 4, or 5, and Race of Applicant or Borrower: 2; Race of Applicant or Borrower: 3; Race of Applicant or Borrower: 4; Race of Applicant or Borrower: 5 must equal 1, 2, 3, 4, or 5, or be left blank. 3) If Race of Applicant or Borrower Collected on the Basis of Visual Observation or Surname equals 2, Race of Applicant or Borrower: 1 must equal 1, 2, 21, 22, 23, 24, 25, 26, 27, 3, 4, 41, 42, 43, 44, 5, or 6, and cannot be left blank, unless a race is provided in Race of Applicant or Borrower: Free Form Text Field for American Indian or Alaska Native Enrolled or Principal Tribe , Race of Applicant or Borrower: Free Form Text Field for Other Asian, or Race of Applicant or Borrower: Free Form Text Field for Other Pacific Islander ; and Race of Applicant or Borrower: 2; Race of Applicant or Borrower: 3; Race of Applicant or Borrower: 4; Race of Applicant or Borrower: 5 must equal 1, 2, 21, 22, 23, 24, 25, 26, 27, 3, 4, 41, 42, 43, 44, 5, or be left blank.
V637	Race	Race of Applicant or Borrower: 1; Race of Applicant or Borrower Collected on the Basis of Visual Observation or Surname	An invalid Race data field was reported. Please review the information below and update your file accordingly. 1) If Race of Applicant or Borrower: 1 equals 7, then Race of Applicant or Borrower Collected on the Basis of Visual Observation or Surname must equal 3.
V638	Race	Race of Co-Applicant or Co-Borrower: 1; Race of Co-Applicant or Co-Borrower: 2; Race of Co-Applicant or Co-Borrower: 3; Race of Co-Applicant or Co-Borrower: 4; Race of Co-Applicant or Co-Borrower: 5; Race of Co-Applicant or Co-Borrower: Free Form Text Field for American Indian or Alaska Native Enrolled or Principal Tribe; Race of Co-Applicant or Co-Borrower: Free Form Text Field for Other Asian; Race of Co-Applicant or Co-Borrower: Free Form Text Field for Other Pacific Islander	An invalid Racedata field was reported. Please review the information below and update your file accordingly. 1) Race of Co-Applicant or Co-Borrower: 1 must equal 1, 2, 21, 22, 23, 24, 25, 26, 27, 3, 4, 41, 42, 43, 44, 5, 6, 7, or 8, and cannot be left blank, unless a race is provided in Race of Co-Applicant or Co-Borrower: Free Form Text Field for American Indian or Alaska Native Enrolled or Principal Tribe , Race of Co-Applicant or Co-Borrower: Free Form Text Field for Other Asian, or Race of Co-Applicant or Co-Borrower: Free Form Text Field for Other Pacific Islander . 2) Race of Co-Applicant or Co-Borrower: 2; Race of Co-Applicant or Co-Borrower: 3; Race of Co-Applicant or Co-Borrower: 4; Race of Co-Applicant or Co-Borrower: 5 must equal 1, 2, 21, 22, 23, 24, 25, 26, 27, 3, 4, 41, 42, 43, 44, 5, or be left blank. 3) Each Race of Co-Applicant or Co-Borrower code can only be reported once. 4) If Race of Co-Applicant or Co-Borrower: 1 equals 6, 7, or 8, then Race of Co-Applicant or Co-Borrower: 2 ;Race of Co-Applicant or Co-Borrower: 3;Race of Co-Applicant or Co-Borrower: 4;and Race of Co-Applicant or Co-Borrower: 5 must be left blank.
V639	Race	Race of Co-Applicant or Co-Borrower: 1; Race of Co-Applicant or Co-Borrower: 2; Race of Co-Applicant or Co-Borrower: 3; Race of Co-Applicant or Co-Borrower: 4; Race of Co-Applicant or Co-Borrower: 5; Race of Co-Applicant or Co-Borrower Collected on the Basis of Visual Observation or Surname; Race of Co-Applicant or Co-Borrower: Free Form Text Field for American Indian or Alaska Native Enrolled or Principal Tribe; Race of Co-Applicant or Co-Borrower: Free Form Text Field for Other Asian; Race of Co-Applicant or Co-Borrower: Free Form Text Field for Other Pacific Islander	An invalid Race data field was reported. Please review the information below and update your file accordingly. 1) Race of Co-Applicant or Co-Borrower Collected on the Basis of Visual Observation or Surname must equal 1, 2, 3, or 4, and cannot be left blank. 2) If Race of Co-Applicant or Co-Borrower Collected on the Basis of Visual Observation or Surname equals 1, then Race of Co-Applicant or Co-Borrower: 1 must equal 1, 2, 3, 4, or 5; and Race of Co-Applicant or Co-Borrower: 2; Race of Co-Applicant or Co-Borrower: 3; Race of Co-Applicant or Co-Borrower: 4; Race of Co-Applicant or Co-Borrower: 5 must equal 1, 2, 3, 4, or 5, or be left blank. 3) If Race of Co-Applicant or Co-Borrower Collected on the Basis of Visual Observation or Surname equals 2, then Race of Co-Applicant or Co-Borrower: 1 must equal 1, 2, 21, 22, 23, 24, 25, 26, 27, 3, 4, 41, 42, 43, 44, 5, or 6, and cannot be left blank, unless a race is provided in Race of Co-Applicant or Co-Borrower: Free Form Text Field for American Indian or Alaska Native Enrolled or Principal Tribe , Race of Co-Applicant or Co-Borrower: Free Form Text Field for Other Asian, or Race of Co-Applicant or Co-Borrower: Free Form Text Field for Other Pacific Islander ; and Race of Co-Applicant or Co-Borrower: 2; Race of Co-Applicant or Co-Borrower: 3; Race of Co-Applicant or Co-Borrower: 4; Race of Co-Applicant or Co-Borrower: 5 must equal 1, 2, 21, 22, 23, 24, 25, 26, 27, 3, 4, 41, 42, 43, 44, 5, or be left blank.
V640	Race	Race of Co-Applicant or Co-Borrower: 1; Race of Co-Applicant or Co-Borrower Collected on the Basis of Visual Observation or Surname	An invalid Race data field was reported. Please review the information below and update your file accordingly. 1) If Race of Co-Applicant or Co-Borrower: 1 equals 7, then Race of Co-Applicant or Co-Borrower Collected on the Basis of Visual Observation or Surname must equal 3.
V641	Race	Race of Co-Applicant or Co-Borrower: 1; Race of Co-Applicant or Co-Borrower Collected on the Basis of Visual Observation or Surname	An invalid Racedata field was reported. Please review the information below and update your file accordingly. 1) If Race of Co-Applicant or Co-Borrower: 1 equals 8, then Race of Co-Applicant or Co-Borrower Collected on the Basis of Visual Observation or Surname must equal 4, and the reverse must be true.
V642	Sex	Sex of Applicant or Borrower; Sex of Applicant or Borrower Collected on the Basis of Visual Observation or Surname	An invalid Sexdata field was reported. Please review the information below and update your file accordingly. 1) Sex of Applicant or Borrower must equal 1, 2, 3, 4, or 6, and cannot be left blank. 2) Sex of Applicant or Borrower Collected on the Basis of Visual Observation or Surname must equal 1, 2, or 3, and cannot be left blank.
V643	Sex	Sex of Applicant or Borrower; Sex of Applicant or Borrower Collected on the Basis of Visual Observation or Surname	An invalid Sexdata fieldwas reported. Please review the information below and update your file accordingly. 1) If Sex of Applicant or Borrower Collected on the Basis of Visual Observation or Surname equals 1, then S ex of Applicant or Borrower must equal 1 or 2.
V644	Sex	Sex of Applicant or Borrower; Sex of Applicant or Borrower Collected on the Basis of Visual Observation or Surname	An invalid Sex data field was reported. Please review the information below and update your file accordingly. 1) If Sex of Applicant or Borrower Collected on the Basis of Visual Observation or Surname equals 2, then Sex of Applicant or Borrower must equal 1, 2, 3, or 6. 2) If Sex of Applicant or Borrowerequals 6, then Sex of Applicant or Borrower Collected on the Basis of Visual Observation or Surname must equal 2 or 3.
V645	Sex	Sex of Applicant or Borrower; Sex of Applicant or Borrower Collected on the Basis of Visual Observation or Surname	An invalidSexdata field was reported. Please review the information below and update your file accordingly. 1) If Sex of Applicant or Borrower equals 4, then Sex of Applicant or Borrower Collected on the Basis of Visual Observation or Surname must equal 3.
V646	Sex	Sex of Co-Applicant or Co-Borrower; Sex of Co-Applicant or Co-Borrower Collected on the Basis of Visual Observation or Surname	An invalid Sexdata field was reported. Please review the information below and update your file accordingly. 1) Sex of Co-Applicant or Co-Borrower must equal 1, 2, 3, 4, 5, or 6, and cannot be left blank. 2) Sex of Co-Applicant or Co-Borrower Collected on the Basis of Visual Observation or Surname must equal 1, 2, 3, or 4, and cannot be left blank.
V647	Sex	Sex of Co-Applicant or Co-Borrower; Sex of Co-Applicant or Co-Borrower Collected on the Basis of Visual Observation or Surname	An invalid Sex data field was reported. Please review the information below and update your file accordingly. 1) If Sex of Co-Applicant or Co-Borrower Collected on the Basis of Visual Observation or Surname equals 1, then Sex of Co-Applicant or Co-Borrower must equal 1 or 2.
V648	Sex	Sex of Co-Applicant or Co-Borrower; Sex of Co-Applicant or Co-Borrower Collected on the Basis of Visual Observation or Surname	An invalid Sexdata field was reported. Please review the information below and update your file accordingly. 1) If S ex of Co-Applicant or Co-Borrower Collected on the Basis of Visual Observation or Surname equals 2, then Sex of Co-Applicant or Co-Borrower must equal 1, 2, 3, or 6. 2) If Sex of Co-Applicant or Co-Borrower equals 6, then Sex of Co-Applicant or Co-Borrower Collected on the Basis of Visual Observation or Surname must equal 2 or 3.
V649	Sex	Sex of Co-Applicant or Co-Borrower; Sex of Co-Applicant or Co-Borrower Collected on the Basis of Visual Observation or Surname	An invalid Sex data field was reported. Please review the information below and update your file accordingly. 1) If Sex of Co-Applicant or Co-Borrower equals 4, then Sex of Co-Applicant or Co-Borrower Collected on the Basis of Visual Observation or Surname must equal 3.
V650	Sex	Sex of Co-Applicant or Co-Borrower; Sex of Co-Applicant or Co-Borrower Collected on the Basis of Visual Observation or Surname	An invalid Sexdata field was reported. Please review the information below and update your file accordingly. 1) If Sex of Co-Applicant or Co-Borrower Collected on the Basis of Visual Observation or Surname equals 4, then Sex of Co-Applicant or Co-Borrower must equal 5, and the reverse must be true.
V651	Age	Age of Applicant or Borrower; Ethnicity of Applicant or Borrower 1; Race of Applicant or Borrower 1; Sex of Applicant or Borrower	An invalid Age of Applicant or Borrower was reported. Please review the information below and update your file accordingly. 1) Age of Applicant or Borrower must be a whole number greater than zero, and cannot be left blank. 2) If the Ethnicity of Applicant or Borrower: 1 equals 4; and Race of Applicant or Borrower: 1 equals 7; Sex of Applicant or Borrower equals 4; and Action Taken does not equal 6, indicating the applicant or borrower is a non-natural person, then Age of Applicant or Borrower must equal 8888.
V652	Age	Age of Co-Applicant or Co-Borrower; Ethnicity of Co-Applicant or Co-Borrower 1; Race of Co-Applicant or Co-Borrower 1; Sex of Co-Applicant or Co-Borrower	An invalid Age of Co-Applicant or Co-Borrower was reported. Please review the information below and update your file accordingly. 1) Age of Co-Applicant or Co-Borrower must be a whole number greater than zero, and cannot be left blank. 2) If the Ethnicity of Co-Applicant or Co-Borrower: 1 equals 4; and Race of Co-Applicant or Co-Borrower: 1 equals 7 ; and Sex of Co-Applicant or Co-Borrower: 1 equals 4; and Action Taken does not equal 6, indicating that the co-applicant or co-borrower is a non-natural person, then Age of Co-Applicant or Co-Borrower must equal 8888.
V654	Income	Income; Multifamily Affordable Units	An invalidIncomewas reported. Please review the information below and update your file accordingly. 1) Income must be either a positive or negative integer rounded to the nearest thousand or NA, and cannot be left blank. 2) If Multifamily Affordable Unitsis a number, thenIncomemust be NA.
V655	Income	Income; Ethnicity of Applicant or Borrower: 1; Race of Applicant or Borrower: 1; Sex of Applicant or Borrower: 1; Ethnicity of Co-Applicant or Co-Borrower: 1; Race of Co-Applicant or Co-Borrower: 1; Sex of Co-Applicant or Co-Borrower: 1	An invalidIncomewas reported. Please review the information below and update your file accordingly. 1) If Ethnicity of Applicant or Borrower: 1 equals 4; and Race of Applicant or Borrower: 1 equals 7; Sex of Applicant or Borrower: 1 equals 4; and Action Taken does not equal 6, indicating the applicant is a non-natural person, then Income must be NA. 2) If Ethnicity of Co-Applicant or Co-Borrower: 1 equals 4; and Race of Co-Applicant or Co-Borrower: 1 equals 7; Sex of Co-Applicant or Co-Borrower: 1 equals 4; and Action Taken does not equal 6, indicating that the co-applicant or co-borrower is a non-natural person, then Income must be NA.
V656	Type of Purchaser	Type of Purchaser; Action Taken	An invalid Type of Purchaser was reported. Please review the information below and update your file accordingly. 1) Type of Purchaser must equal 0, 1, 2, 3, 4, 5, 6, 71, 72, 8, or 9, and cannot be left blank. 2) If Action Taken equals 2, 3, 4, 5, 7, or 8, then Type of Purchasermust equal 0.
V657	Rate Spread	Rate Spread; Action Taken; Reverse Mortgage	An invalid Rate Spread was reported. Please review the information below and update your file accordingly. 1) Rate Spread must be a number, Exempt, or NA, and cannot be left blank. 2) If Action Taken equals 3, 4, 5, 6, or 7, then Rate Spread must be NA or Exempt. 3) If Reverse Mortgage equals 1, then Rate Spread must be NA or Exempt.
V658	HOEPA Status	HOEPA Status; Action Taken	An invalid HOEPA Status was reported. Please review the information below and update your file accordingly. 1) HOEPA Status must equal 1, 2, or 3, and cannot be left blank. 2) If Action Taken equals 2, 3, 4, 5, 7, or 8, then HOEPA Status must be 3.
V659	Lien Status	Lien Status	An invalid Lien Status was reported. Please review the information below and update your file accordingly. 1) Lien Status must equal 1 or 2, and cannot be left blank.
V660	Credit Score	Credit Score of Applicant or Borrower; Applicant or Borrower, Name and Version of Credit Scoring Model	An invalid Credit Scoredata field was reported. Please review the information below and update your file accordingly. 1) Credit Score of Applicant or Borrower must be a number, and cannot be left blank. 2) Applicant or Borrower, Name and Version of Credit Scoring Model must equal 1111, 1, 2, 3, 4, 5, 6, 7, 8, or 9.
V661	Credit Score	Credit Score of Applicant or Borrower; Applicant or Borrower, Name and Version of Credit Scoring Model	An invalid Credit Score data field was reported. Please review the information below and update your file accordingly. 1) If Credit Score of Applicant or Borrower equals 8888, indicating not applicable, then Applicant or Borrower, Name and Version of Credit Scoring Model must equal 9, and the reverse must be true.
V662	Credit Score	Applicant or Borrower, Name and Version of Credit Scoring Model; Applicant or Borrower, Name and Version of Credit Scoring Model: Conditional Free Form Text Field for Code 8	An invalid Credit Scoredata field was reported. Please review the information below update your file accordingly. 1) If Applicant or Borrower, Name and Version of Credit Scoring Model equals 1111, 1, 2, 3, 4, 5, 6, 7, or 9, then Applicant or Borrower, Name and Version of Credit Scoring Model: Conditional Free Form Text Field for Code 8 must be left blank, and the reverse must be true. 2) If Applicant or Borrower, Name and Version of Credit Scoring Model equals 8, then A pplicant or Borrower, Name and Version of Credit Scoring Model: Conditional Free Form Text Field for Code 8 must not be blank, and the reverse must be true.
V663	Credit Score	Action Taken; Credit Score of Applicant or Borrower; Applicant or Borrower, Name and Version of Credit Scoring Model; Applicant or Borrower, Name and Version of Credit Scoring Model: Conditional Free Form Text Field for Code 8	An invalid Credit Scoredata field was reported. Please review the information below and update your file accordingly. 1) If A ction Taken equals 4, 5, or 6, then Credit Score of Applicant or Borrower must equal 8888 or 1111; and A pplicant or Borrower, Name and Version of Credit Scoring Model must equal 9 or 1111; and Applicant or Borrower, Name and Version of Credit Scoring Model: Conditional Free Form Text Field for Code 8 must be left blank.
V664	Credit Score	Action Taken; Credit Score of Co-Applicant or Co-Borrower: Co-Applicant or Co-Borrower, Name and Version of Credit Scoring Model; Co-Applicant or Co-Borrower, Name and Version of Credit Scoring Model: Conditional Free Form Text Field for Code 8	An invalid Credit Score data field was reported. Please review the information below and update your file accordingly. 1) If Action Taken equals 4, 5, or 6, then Credit Score of Co-Applicant or Co-Borrower must equal 8888 or 1111; and Co-Applicant or Co-Borrower, Name and Version of Credit Scoring Model must equal 9 or 1111; and Co-Applicant or Co-Borrower, Name and Version of Credit Scoring Model: Conditional Free Form Text Field for Code 8 must be left blank
V665	Credit Score	Credit Score of Co-Applicant or Co-Borrower; Co-Applicant or Co-Borrower, Name and Version of Credit Scoring Model	An invalid Credit Score data field was reported. Please review the information below and update your file accordingly. 1) Credit Score of Co-Applicant or Co-Borrower must be a number, and cannot be left blank. 2) Co-Applicant or Co-Borrower, Name and Version of Credit Scoring Model must equal 1111, 1, 2, 3, 4, 5, 6, 7, 8, 9, or 10, and cannot be left blank.
V666	Credit Score	Credit Score of Co-Applicant or Co-Borrower; Co-Applicant or Co-Borrower, Name and Version of Credit Scoring Model	An invalid Credit Score data field was reported. Please review the information below and update your file accordingly. 1) If Credit Score of Co-Applicant or Co-Borrower equals 8888, indicating not applicable, then Co-Applicant or Co-Borrower, Name and Version of Credit Scoring Model must equal 9, and the reverse must be true. 2) If Credit Score of Co-Applicant or Co-Borrower equals 9999 indicating no co-applicant, then Co-Applicant or Co-Borrower, Name and Version of Credit Scoring Model must equal 10, and the reverse must be true.
V667	Credit Score	Co-Applicant or Co-Borrower,Name and Version of Credit Scoring Model; Co-Applicant or Co-Borrower, Name and Version of Credit Scoring Model: Conditional Free Form Text Field for Code 8	An invalid Credit Score data field was reported. Please review the information below and update your file accordingly. 1) If Co-Applicant or Co-Borrower, Name and Version of Credit Scoring Model equals 1111, 1, 2, 3, 4, 5, 6, 7, 9, or 10, then Co-Applicant or Co-Borrower, Name and Version of Credit Scoring Model: Conditional Free Form Text Field for Code 8 must be left blank, and the reverse must be true. 2) If Co-Applicant or Co-Borrower, Name and Version of Credit Scoring Model equals 8, thenCo-Applicant or Co-Borrower, Name and Version of Credit Scoring Model: Conditional Free Form Text Field for Code 8must not be left blank, and the reverse must be true.
V668	Credit Score	Credit Score of Applicant or Borrower; Credit Score of Co-Applicant or Co-Borrower; Ethnicity of Applicant or Borrower 1; Race of Applicant or Borrower 1; Sex of Applicant or Borrower; Ethnicity of Co-Applicant or Co-Borrower 1; Race of Co-Applicant or Co-Borrower 1; Sex of Co-Applicant or Co-Borrower	An invalid Credit Scoredata point was reported. Please review the information below and update your file accordingly. 1) If Ethnicity of Applicant or Borrower: 1 equals 4; and Race of Applicant or Borrower: 1 equals 7; and Sex of Applicant or Borrower equals 4 indicating the applicant is a non-natural person then Credit Score of Applicant or Borrower must equal 8888, indicating not applicable, or 1111. 2) If E thnicity of Co-Applicant or Co-Borrower: 1 equals 4; and Race of Co-Applicant or Co-Borrower: 1 equals 7; and Sex of Co-Applicant or Co-Borrowerequals 4 indicating that the co-applicant is a non-natural person, then Credit Score of Co-Applicant or Co-Borrower must equal 8888, indicating not applicable, or 1111.
V669	Reason for Denial	Reason for Denial: 1; Reason for Denial: 2; Reason for Denial: 3; Reason for Denial: 4	An invalid Reason for Denial data field was reported. Please review the information below and update your file accordingly. 1) Reason for Denial: 1 must equal 1111, 1, 2, 3, 4, 5, 6, 7, 8, 9, or 10, and cannot be left blank. 2) Reason for Denial: 2; Reason for Denial: 3 ; and Reason for Denial: 4 must equal 1, 2, 3, 4, 5, 6, 7, 8, 9, or be left blank. 3) Each Reason for Denialcode can only be reported once. 4) If Reason for Denial: 1 equals 1111 or 10, then Reason for Denial: 2; Reason for Denial: 3; and Reason for Denial: 4 must all be left blank.
V670	Reason for Denial	Action Taken; Reason for Denial: 1	An invalid Reason for Denialdata field was reported. Please review the information below and update your file accordingly. 1) If Action Taken equals 3 or 7, then the Reason for Denial: 1 must equal 1111, 1, 2, 3, 4, 5, 6, 7, 8, or 9. 2) If Reason for Denial: 1 equals 1, 2, 3, 4, 5, 6, 7, 8, or 9, then Action Taken must equal 3 or 7. 2) If Action Taken equals 1, 2, 4, 5, 6, or 8, then Reason for Denial: 1 must equal 1111 or 10. 4) If Reason for Denial: 1 equals 10, then Action Taken must equal 1, 2, 4, 5, 6, or 8.
V671	Reason for Denial	Reason for Denial: 1; Reason for Denial: 2; Reason for Denial: 3; Reason for Denial: 4; Reason for Denial: Conditional Free Form Text Field for Code 9	An invalid Reason for Denial data field was reported. Please review the information below and update your file accordingly. 1) Reason for Denial: 1; Reason for Denial: 2 ; Reason for Denial: 3; or Reason for Denial: 4was reported Code 9: Other; however, the Reason for Denial: Conditional Free Form Text Field for Code 9 was left blank; or 2) The Reason for Denial: Conditional Free Form Text Field for Code 9 was reported, but Code 9 was not reported in Reason for Denial: 1 ;Reason for Denial: 2;Reason for Denial: 3; or Reason for Denial: 4.
V672	Total Loan Costs or Total Points and Fees	Total Loan Costs; Total Points and Fees; Action Taken; Reverse Mortgage; Open-End Line of Credit; Business or Commercial Purpose	An invalid Total Loan Costs or Total Points and Fees data field was reported. Please review the information below and update your file accordingly. 1) Total Loan Costsmust be a number greater than or equal to 0, NA, or Exempt, and cannot be left blank. 2) If Total Points and Fees is a number greater than or equal to 0, then Total Loan Costs must be NA. 3) If R everse Mortgage equals 1, then Total Loan Costs must be NA or Exempt. 4) If Open-End Line of Credit equals 1, then Total Loan Costs must be NA or Exempt. 5) If Business or Commercial Purpose equals 1, then Total Loan Costs must be NA or Exempt. 6) If Action Taken equals 2, 3, 4, 5, 7, or 8, then Total Loan Costs must be NA or Exempt.
V673	Total Loan Costs or Total Points and Fees	Total Points and Fees; Action Taken; Reverse Mortgage; Business or Commercial Purpose	An invalid Total Points and Feeswas reported. Please review the information below and update your file accordingly. 1) Total Points and Feesmust bea number greater than or equal to 0, Exempt, or NA, and cannot be left blank. 2) If Action Taken equals 2, 3, 4, 5, 6, 7, or 8 then Total Points and Fees must be NA or Exempt. 3) If Reverse Mortgage equals 1, then Total Points and Fees must be NA or Exempt. 4) If Business or Commercial Purpose equals 1, then Total Points and Fees must be NA or Exempt. 5) If Total Loan Costs is a number greater than or equal to 0, then Total Points and Fees must be NA.
V674	Origination Charges	Origination Charges; Reverse Mortgage; Open-End Line of Credit; Business or Commercial Purpose; Action Taken	An invalid Origination Charges was reported. Please review the information below and update your file accordingly. 1) Origination Charges must be a number greater than or equal to 0, Exempt, or NA, and cannot be left blank. 2) If Reverse Mortgage equals 1, then Origination Charges must be NA or Exempt. 3) If Open-End Line of Credit equals 1, then Origination Charges must be NA or Exempt. 4) If Business or Commercial Purpose equals 1, then Origination Charges must be NA or Exempt. 5) If Action Taken equals 2, 3, 4, 5, 7, or 8, then Origination Charges must be NA or Exempt.
V675	Discount Points	Discount Points; Reverse Mortgage; Open-End Line of Credit; Business or Commercial Purpose; Action Taken	An invalid Discount Points was reported. Please review the information below and update your file accordingly. 1) Discount Pointsmust be a number greater than 0, blank, Exempt, or NA. 2) If Reverse Mortgage equals 1, then Discount Points must be NA or Exempt. 3) If Open-End Line of Credit equals 1, then Discount Points must be NA or Exempt. 4) If Business or Commercial Purpose equals 1, then Discount Points must be NA or Exempt. 5) If Action Taken equals 2, 3, 4, 5, 7, or 8, then Discount Pointsmust be NA or Exempt.
V676	Lender Credits	Lender Credits; Reverse Mortgage; Open-End Line of Credit; Business or Commercial Purpose; Action Taken	An invalid Lender Credits was reported. Please review the information below and update your file accordingly. 1) Lender Credits must be a number greater than 0, blank, Exempt, or NA. 2) If Reverse Mortgage equals 1, thenLender Creditsmust be NA or Exempt. 3) If Open-End Line of Credit equals 1, then Lender Credits must be NA or Exempt. 4) If Business or Commercial Purpose equals 1, then Lender Credits must be NA or Exempt. 5) If Action Taken equals 2, 3, 4, 5, 7, or 8, then Lender Credits must be NA or Exempt.
V677	Interest Rate	Interest Rate; Action Taken	An invalid Interest Rate was reported. Please review the information below and update your file accordingly. 1) Interest Rate must be a number greater than or equal to 0, Exempt, or NA, and cannot be left blank. 2) If Action Takenequals 3, 4, 5, or 7; then Interest Rate must be NA or Exempt.
V678	Prepayment Penalty Term	Prepayment Penalty Term; Action Taken; Reverse Mortgage; Business or Commercial Purpose; Loan Term	An invalid Prepayment Penalty Term was reported. Please review the information below and update your file accordingly. 1) Prepayment Penalty Term must be a whole number greater than 0, Exempt, or NA, and cannot be left blank. 2) If Action Taken equals 6, then Prepayment Penalty Term must be NA or Exempt. 3) If Reverse Mortgage equals 1, then Prepayment Penalty Term must be NA or Exempt. 4) If Business or Commercial Purposeequals 1, then Prepayment Penalty Term must be NA or Exempt. 5) If both Prepayment Penalty Termand Loan Term are numbers, then Prepayment Penalty Termmust be less than or equal to Loan Term.
V679	Debt-to-Income Ratio	Debt-to-Income Ratio, Multifamily Affordable Units, Action Taken	An invalid Debt-to-Income Ratio was reported. Please review the information below and update your file accordingly. 1) Debt-to-Income Ratiomust be a number, Exempt, or NA, and cannot be left blank. 2) If Action Taken equals 4, 5, or 6, then Debt-to-Income Ratio must be NA or Exempt. 3) If Multifamily Affordable Unitsis a number, then Debt-to-Income Ratio must be NA or Exempt.
V680	Debt-to-Income Ratio	Debt-to-Income Ratio; Ethnicity of Applicant or Borrower: 1; Race of Applicant or Borrower: 1; Sex of Applicant or Borrower: 1; Ethnicity of Co-Applicant or Co-Borrower: 1; Race of Co-Applicant or Co-Borrower: 1; Sex of Co-Applicant or Co-Borrower: 1	An invalid Debt-to-Income Ratio was reported. Please review the information below and update your file accordingly. 1) If Ethnicity of Applicant or Borrower: 1 equals 4; and Race of Applicant or Borrower: 1 equals 7; and Sex of Applicant or Borrower: 1 equals 4 indicating the applicant or borrower is a non-natural person; and the Ethnicity of Co-Applicant or Co-Borrower: 1 equals 5; and Race of Co-Applicant or Co-Borrower: 1 equals 8; and Sex of Co-Applicant or Co-Borrower: 1 equals 5 indicating that there is no co-applicant or co-borrower, then Debt-to-Income Ratiomust be NA or Exempt. 2) If Ethnicity of Applicant or Borrower: 1 equals 4; and Race of Applicant or Borrower: 1 equals 7; and Sex of Applicant or Borrower: 1 equals 4 indicating the applicant or borrower is a non-natural person; and theEthnicity of Co-Applicant or Co-Borrower:1 equals 4; and Race of Co-Applicant or Co-Borrower: 1 equals 7; and Sex of Co-Applicant or Co-Borrower: 1 equals 4 indicating that the co-applicant or co-borrower is also a non-natural person, then Debt-to-Income Ratio must be NA or Exempt.
V681	Combined Loan-to-Value Ratio	Combined Loan-to-Value Ratio; Action Taken	An invalid Combined Loan-to-Value Ratio was reported. Please review the information below and update your file accordingly. 1) Combined Loan-to-Value Ratiomust be a number greater than 0, Exempt, or NA, and cannot be left blank. 2) If Action Taken equals 4, 5, or 6, then Combined Loan-to-Value ratio must be NA or Exempt.
V682	Loan Term	Loan Term; Reverse Mortgage	An invalid Loan Term was reported. Please review the information below and update your file accordingly. 1) Loan Term must be a whole number greater than zero, Exempt, or NA, and cannot be left blank. 2) If Reverse Mortgage equals 1, then Loan Term must be NA or Exempt.
V683	Introductory Rate Period	Introductory Rate Period	An invalid Introductory Rate Period was reported. Please review the information below and update your file accordingly. 1) Introductory Rate Period must be a whole number greater than zero, Exempt, or NA, and cannot be left blank.
V684	Non-Amortizing Features	Balloon Payment	An invalid Balloon Payment was reported. Please review the information below and update your file accordingly. 1) Balloon Payment must equal 1111, 1, or 2, and cannot be left blank.
V685	Non-Amortizing Features	Interest-Only Payments	An invalid Interest Only Payments was reported. Please review the information below and update your file accordingly. 1) Interest Only Payments must equal 1111, 1, or 2, and cannot be left blank.
V686	Non-Amortizing Features	Negative Amortization	An invalid Negative Amortization was reported. Please review the information below and update your file accordingly. 1) Negative Amortization must equal 1111, 1, or 2, and cannot be left blank.
V687	Non-Amortizing Features	Other Non-amortizing Features	An invalid Other Non-amortizing Features was reported. Please review the information below and update your file accordingly. 1) Other Non-amortizing Features must equal 1111, 1, or 2, and cannot be left blank.
V688	Property Value	Property Value; Action Taken	An invalid Property Value was reported. Please review the information below and update your file accordingly. 1) Property Value must be a number greater than 0, Exempt, or NA, and cannot be left blank. 2) If Action Taken equals 4 or 5, then Property Value must be NA or Exempt.
V689	Manufactured Home Secured Property Type	Manufactured Home Secured Property Type; Multifamily Affordable Units; Construction Method	An invalid Manufactured Home Secured Property Type was reported. Please review the information below and update your file accordingly. 1) Manufactured Home Secured Property Type must equal 1111, 1, 2, or 3, and cannot be left blank. 2) If Multifamily Affordable Unitsis a number, then Manufactured Home Secured Property Type must equal 1111 or 3. 3) If Construction Method equals 1, then Manufactured Home Secured Property Type must equal 1111 or 3.
V690	Manufactured Home Land Property Interest	Manufactured Home Land Property Interest; Multifamily Affordable Units; Construction Method	An invalid Manufactured Home Land Property Interest was reported. Please review the information below and update your file accordingly. 1) Manufactured Home Land Property Interest must equal 1111, 1, 2, 3, 4, or 5, and cannot be left blank. 2 If Multifamily Affordable Unitsis a number, then Manufactured Home Land Property Interest must equal 1111 or 5. 3) If Construction Method equals 1, then Manufactured Home Land Property Interest must equal 1111 or 5.
V691	Total Units	Total Units	An invalid Total Units was reported. Please review the information below and update your file accordingly. 1) Total Units must be a whole number greater than 0, and cannot be left blank.
V692	Multifamily Affordable Units	Multifamily Affordable Units; Total Units	An invalid Multifamily Affordable Units was reported. Please review the information below and update your file accordingly. 1) Multifamily Affordable Units must be a whole number, Exempt, or NA, and cannot be left blank. 2) If Total Units is less than 5, then Multifamily Affordable Units must be NA or Exempt. 3) If Total Unitsis greater than or equal to 5, then Multifamily Affordable Units must be less than or equal to Total Units, NA or Exempt.
V693	Application Channel	Submission of Application; Action Taken	An invalid Application Channeldata field was reported. Please review the information below and update your file accordingly. 1) Submission of Application must equal 1111, 1, 2, or 3, and cannot be left blank. 2) If A ction Taken equals 6, then Submission of Application must equal 1111 or 3. 3) If Submission of Application equals 3, then Action Taken must equal 6.
V694	Application Channel	Initially Payable to Your Institution; Action Taken	An invalid Application Channel data field was reported. Please review the information below and update your file accordingly. 1) Initially Payable to Your Institutionmust equal 1111, 1, 2, or 3, and cannot be left blank. 2) If Action Taken equals 6, then Initially Payable to Your Institution must equal 1111 or 3. 3) If Action Takenequals 1, then Initially Payable to Your Institution must equal 1111, 1, or 2.
V695	Mortgage Loan Originator NMLSR Identifier	Mortgage Loan Originator NMLSR Identifier	An invalid NMLSR Identifier was reported. Please review the information below and update your file accordingly. 1) NMLSR Identifier must be a valid NMLSR ID in integer format, NA, or Exempt, and cannot be left blank. 2) NMLSR Identifier must not contain only the number zero (0) as a value.
V696	Automated Underwriting System	Automated Underwriting System: 1; Automated Underwriting System: 2; Automated Underwriting System: 3; Automated Underwriting System: 4; Automated Underwriting System: 5; Automated Underwriting System Result: 1; Automated Underwriting System Result: 2; Automated Underwriting System Result: 3; Automated Underwriting System Result: 4; Automated Underwriting System Result: 5	An invalid Automated Underwriting System data field was reported. Please review the information below and update your file accordingly. 1) Automated Underwriting System: 1 must equal 1111, 1, 2, 3, 4, 5, 6, or 7 and cannot be left blank. Automated Underwriting System: 2; Automated Underwriting System: 3; Automated Underwriting System: 4 ; and Automated Underwriting System: 5 must equal 1, 2, 3, 4, 5, 7 or be left blank. 2) Automated Underwriting System Result: 1 must equal 1111, 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23, or 24 and cannot be left blank. Automated Underwriting System Result: 2; Automated Underwriting System Result: 3; Automated Underwriting System Result: 4 ; and Automated Underwriting System Result: 5 must equal 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 18, 19, 20, 21, 22, 23, 24 or be left blank. 3) The number of reported Automated Underwriting Systems must equal the number of reported Automated Underwriting System Results.
V699	Automated Underwriting System	Automated Underwriting System: 1; Automated Underwriting System: 2; Automated Underwriting System: 3; Automated Underwriting System: 4; Automated Underwriting System: 5; Automated Underwriting System Result: 1; Automated Underwriting System Result: 2; Automated Underwriting System Result: 3; Automated Underwriting System Result: 4; Automated Underwriting System Result: 5	An invalid Automated Underwriting System data field was reported. Please review the information below and update your file accordingly. 1) If Automated Underwriting System: 1; Automated Underwriting System: 2; Automated Underwriting System: 3; Automated Underwriting System: 4; or Automated Underwriting System: 5 equals 5, then the corresponding Automated Underwriting System Result: 1; Automated Underwriting System Result: 2; Automated Underwriting System Result: 3; Automated Underwriting System Result: 4 ; or Automated Underwriting System Result: 5 must equal 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 18, 19, 20, 21, 22, 23 or 24.
V700	Automated Underwriting System	Automated Underwriting System: 1; Automated Underwriting System: 2; Automated Underwriting System: 3; Automated Underwriting System: 4; Automated Underwriting System: 5; Automated Underwriting System Result: 1; Automated Underwriting System Result: 2; Automated Underwriting System Result: 3; Automated Underwriting System Result: 4; Automated Underwriting System Result: 5	An invalid Automated Underwriting System data field was reported. Please review the information below and update your file accordingly. 1) If Automated Underwriting System: 1 equals 6, then the corresponding Automated Underwriting System Result: 1 must equal 17; and the Automated Underwriting System: 2; Automated Underwriting System: 3; Automated Underwriting System: 4; Automated Underwriting System: 5; Automated Underwriting System Result: 2; Automated Underwriting System Result: 3; Automated Underwriting System Result: 4; and Automated Underwriting System Result: 5 must all be left blank. 2) If Automated Underwriting System Result: 1 equals 17, then the corresponding Automated Underwriting System: 1 must equal 6; and the Automated Underwriting System: 2; Automated Underwriting System: 3; Automated Underwriting System: 4; Automated Underwriting System: 5; Automated Underwriting System Result: 2; Automated Underwriting System Result: 3; Automated Underwriting System Result: 4; and Automated Underwriting System Result: 5 must all be left blank.
V701	Automated Underwriting System	Automated Underwriting System: 2; Automated Underwriting System: 3; Automated Underwriting System: 4; Automated Underwriting System: 5; Automated Underwriting System Result: 2; Automated Underwriting System Result: 3; Automated Underwriting System Result: 4; Automated Underwriting System Result: 5	An invalid Automated Underwriting System data field was reported. Please review the information below and update your file accordingly. 1) If Automated Underwriting System: 2; Automated Underwriting System: 3; Automated Underwriting System: 4; or Automated Underwriting System: 5 was left blank, then the corresponding reported Automated Underwriting System Result: 2; Automated Underwriting System Result: 3; Automated Underwriting System Result: 4 ; or Automated Underwriting System Result: 5 must be left blank.
V702	Automated Underwriting System	Automated Underwriting System: 1; Automated Underwriting System: 2; Automated Underwriting System: 3; Automated Underwriting System: 4; Automated Underwriting System: 5; Automated Underwriting System: Conditional Free Form Text Field for Code 5	An invalid Automated Underwriting System data field was reported. Please review the information below and update your file accordingly. 1) Automated Underwriting System: 1; Automated Underwriting System: 2; Automated Underwriting System: 3; Automated Underwriting System: 4; or Automated Underwriting System: 5 was reported Code 5: Other. However, the Automated Underwriting System: Conditional Free Form Text Field for Code 5 was left blank; or 2) The Automated Underwriting System: Conditional Free Form Text Field for Code 5 was reported, but Code 5 was not reported in Automated Underwriting System: 1 ;Automated Underwriting System: 2;Automated Underwriting System: 3;Automated Underwriting System: 4;orAutomated Underwriting System: 5.
V703	Automated Underwriting System	Automated Underwriting System Result: 1; Automated Underwriting System Result: 2; Automated Underwriting System Result: 3; Automated Underwriting System Result: 4; Automated Underwriting System Result: 5; Automated Underwriting System Result: Conditional Free Form Text Field for Code 16	An invalid Automated Underwriting System Result data field was reported. Please review the information below and update your file accordingly. 1) Automated Underwriting System Result: 1; Automated Underwriting System Result: 2; Automated Underwriting System Result: 3; Automated Underwriting System Result: 4 ; or Automated Underwriting System Result: 5 was reported Code 16: Other. However, the Automated Underwriting System Result: Conditional Free Form Text Field for Code 16 was left blank; or 2) The Automated Underwriting System Result: Conditional Free Form Text Field for Code 16 was reported, but Code 16 was not reported in Automated Underwriting System Result: 1 ;Automated Underwriting System Result: 2;Automated Underwriting System Result: 3;Automated Underwriting System Result: 4; or Automated Underwriting System Result: 5 .
V704	Automated Underwriting System	Action Taken; Automated Underwriting System: 1; Automated Underwriting System Result: 1	An invalid Automated Underwriting System data field was reported. Please review the information below and update your file accordingly. 1) If Action Taken equals 6, then Automated Underwriting System: 1must equal 1111 or 6. 2) If Action Taken equals 6, then Automated Underwriting System Result: 1 must equal 1111 or 17.
V705	Automated Underwriting System	Automated Underwriting System: 1; Automated Underwriting System Result: 1; Ethnicity of Applicant or Borrower: 1; Race of Applicant or Borrower: 1; Sex of Applicant or Borrower: 1; Ethnicity of Co-Applicant or Co-Borrower: 1; Race of Co-Applicant or Co-Borrower: 1; Sex of Co-Applicant or Co-Borrower: 1	An invalid Automated Underwriting System data field was reported. Please review the information below and update your file accordingly. 1) If Ethnicity of Applicant or Borrower: 1 equals 4; and Race of Applicant or Borrower: 1equals 7; and S ex of Applicant or Borrower: 1 equals 4 indicating the applicant is a non-natural person; and the Ethnicity of Co-Applicant or Co-Borrower: 1 equals 5; and R ace of Co-Applicant or Co-Borrower: 1 equals 8; and Sex of Co-Applicant or Co-Borrower: 1 equals 5 indicating that there is no co-applicant or co-borrower, then Automated Underwriting System: 1 must equal 1111 or 6; and Automated Underwriting System Result: 1 must equal 1111 or 17. 2) If the Ethnicity of Applicant or Borrower: 1 equals 4; and Race of Applicant or Borrower: 1 equals 7; and S ex of Applicant or Borrower: 1 equals 4 indicating the applicant or borrower is a non-natural person; and Ethnicity of Co-Applicant or Co-Borrower: 1 equals 4; and Race of Co-Applicant or Co-Borrower: 1 equals 7; and Sex of Co-Applicant or Co-Borrower: 1 equals 4 indicating that the co-applicant or co-borrower is also a non-natural person, then Automated Underwriting System: 1 must equal 1111 or 6; and Automated Underwriting System Result: 1 must equal 1111 or 17.
V706	Reverse Mortgage	Reverse Mortgage	An invalid Reverse Mortgage was reported. Please review the information below and update your file accordingly. 1) Reverse Mortgage must equal 1111, 1, or 2, and cannot be left blank.
V707	Open-End Line of Credit	Open-End Line of Credit	An invalid Open-End Line of Credit was reported. Please review the information below and update your file accordingly. 1) Open-End Line of Credit must equal 1111, 1, or 2, and cannot be left blank.
V708	Business or Commercial Purpose	Business or Commercial Purpose	An invalid Business or Commercial Purpose was reported. Please review the information below and update your file accordingly. 1) Business or Commercial Purpose must equal 1111, 1, or 2, and cannot be left blank.
V709	Property Address	Street Address; City; Zip Code	An invalid Property Address was reported. Please review the information below and update your file accordingly. 1) If Street Address, City, or Zip Code is reported Exempt, then all three must be reported Exempt.
V710	Credit Score	Credit Score of Applicant or Borrower; Credit Score of Co-Applicant or Co-Borrower; Applicant or Borrower, Name and Version of Credit Scoring Model; Applicant or Borrower, Name and Version of Credit Scoring Model: Conditional Free Form Text Field for Code 8; Co-Applicant or Co-Borrower, Name and Version of Credit Scoring Model; Co-Applicant or Co-Borrower, Name and Version of Credit Scoring Model: Conditional Free Form Text Field for Code 8	An invalid Credit Score was reported. Please review the information below and update your file accordingly: If the Credit Score exemption election is taken, 1) Credit Score of Applicant or Borrower, Credit Score of Co-Applicant or Co-Borrower, Applicant or Borrower, Name and Version of Credit Scoring Model, and Co-Applicant or Co-Borrower, Name and Version of Credit Scoring Model must be reported 1111; and 2) Applicant or Borrower, Name and Version of Credit Scoring Model: Conditional Free Form Text Field for Code 8 and Co-Applicant or Co-Borrower, Name and Version of Credit Scoring Model: Conditional Free Form Text Field for Code 8 must be left blank.
V711	Reason for Denial	Reason for Denial: 1; Reason for Denial: 2; Reason for Denial: 3; Reason for Denial: 4; Reason for Denial: Conditional Free Form Text Field for Code 9	An invalid Reason for Denial was reported. Please review the information below and update your file accordingly: 1) If the Reason for Denial exemption election is taken, Reason for Denial: 1 must be reported 1111; and 2) Reason for Denial: 2, Reason for Denial: 3, Reason for Denial: 4, and Reason for Denial: Conditional Free Form Text Field for Code 9 must be left blank.
V712	Total Loan Costs or Total Points and Fees	Total Loan Costs; Total Points and Fees	An invalid Total Loan Costs or Total Points and Fees was reported. Please review the information below and update your file accordingly: 1) If the Total Loan Costs or Total Points and Fees exemption election is taken, Total Loan Costs and Total Points and Fees must be reported Exempt.
V713	Automated Underwriting System	Automated Underwriting System: 1; Automated Underwriting System: 2; Automated Underwriting System: 3; Automated Underwriting System: 4; Automated Underwriting System: 5; Automated Underwriting System: Conditional Free Form Text Field for Code 5; Automated Underwriting System Result: 1; Automated Underwriting System Result: 2; Automated Underwriting System Result: 3; Automated Underwriting System Result: 4; Automated Underwriting System Result: 5; Automated Underwriting System Result: Conditional Free Form Text Field for Code 16	An invalid Automated Underwriting System was reported. Please review the information below and update your file accordingly: If the Automated Underwriting System exemption election is taken, 1) Automated Underwriting System: 1 and Automated Underwriting System Result: 1 must be reported 1111; and 2) Automated Underwriting System: 2, Automated Underwriting System: 3, Automated Underwriting System: 4, Automated Underwriting System: 5, Automated Underwriting System: Conditional Free Form Text Field for Code 5, Automated Underwriting System Result: 2, Automated Underwriting System Result: 3, Automated Underwriting System Result: 4, Automated Underwriting System Result: 5, and Automated Underwriting System Result: Conditional Free Form Text Field for Code 16 must be left blank.
V714	Application Channel	Submission of Application; Initially Payable to Your Institution	An invalid Application Channel was reported. Please review the information below and update your file accordingly: 1) If the Application Channel exemption election is taken, Submission of Application and Initially Payable to Your Institution must be reported 1111.
V715	Non-Amortizing Features	Balloon Payment; Interest-Only Payments; Negative Amortization; Other Non-amortizing Features	An invalid Non-Amortizing Features was reported. Please review the information below and update your file accordingly: 1) If the Non-Amortizing Features exemption election is taken, Balloon Payment, Interest-Only Payments, Negative Amortization and Other Non-amortizing Features must be reported 1111.
V716	Property Location	County; State	An invalid Property Location was reported. Please review the information below and update your file accordingly: 1) The reported State and County are not a valid combination. If neither State nor County were reported NA, then the County must be located within the State.
V719	Financial Institution Name	Financial Institution Name	An invalid Financial Institution Name was reported. Please review the information below and update your file accordingly: 1) The required format for Financial Institution Name is alphanumeric. The Financial Institution Name field contains only numbers and no letters.

TABLE 7: QUALITY EDITS FOR LOAN/APPLICATION REGISTER

Table 7
Edit ID	Data Point Name	Affected Data Fields	Edit Description
Q600	ULI	ULI	Please verify the information below and update your file, if needed 1) A duplicate ULIor NULI was reported.
Q601	Application Date	Application Date; Action Taken Date	Please verify the information below and update your file, if needed. 1) Application Date occurs more than two years prior to Action Taken Date.
Q602	Property Address	Street Address; City; State; Zip Code	Please verify the information below and update your file, if needed. 1) Street Address was reported NA, but City ,State, and Zip Code were provided.
Q603	Property Location	County; Census Tract	An invalid Census Tract was reported. Please review the information below and update your file accordingly. 1) The Countyhas a population of greater than 30,000 according to the most recent decennial census and was not reported NA; however Census Tract was reported NA.
Q605	Type of Purchaser	Type of Purchaser; Loan Type	Please review the information below and update your file, if needed. 1) If Type of Purchaser equals 1 or 3, then Loan Type generally should equal 1. 2) If Type of Purchaser equals 2, then Loan Type generally should equal 2, 3, or 4.
Q606	Income	Income	Please review the information below and update your file, if needed. 1) If Income is a number, then it generally should be less than $10 million (entered as 10000) .
Q607	Loan Amount	Loan Amount; Lien Status	Please review the information below and update your file, if needed. 1) If Lien Status equals 2, then Loan Amount generally should be less than or equal to $250 thousand (entered as 250000) .
Q608	Action Taken	Action Taken; Action Taken Date; Application Date	Please review the information below and update your file, if needed. 1) If Action Taken equals 1, then the Action Taken Date generally should occur after the Application Date.
Q609	Type of Purchaser	Type of Purchaser; Rate Spread	Please review the information below and update your file, if needed. 1) If Type of Purchaser equals 1, 2, 3, or 4, then Rate Spread generally should be less than or equal to 10%, Exempt, or NA.
Q610	HOEPA Status	Action Taken; Lien Status; Rate Spread; HOEPA Status	Please review the information below and update your file, if needed. 1) If Action Taken equals 1, Lien Status equals 1, and Rate Spread is greater than 6.5%, then HOEPA Status generally should be 1.
Q611	HOEPA Status	Action Taken; Lien Status; Rate Spread; HOEPA Status	Please review the information below and update your file, if needed. 1) If Action Taken equals 1, Lien Status equals 2, and Rate Spreadis greater than 8.5%, then HOEPA Status generally should be 1.
Q612	HOEPA Status	Type of Purchaser; HOEPA Status	Please review the information below and update your file, if needed. 1) If Type of Purchaser equals 1 or 3, then HOEPA Status generally should be 2 or 3.
Q613	Loan Purpose	Business or Commercial Purpose; Loan Purpose	Please review the information below and update your file, if needed. 1) If Business or Commercial Purposeequals 1, then Loan Purposegenerally should equal 1, 2, 31, 32, or 5.
Q614	Age	Age of Applicant or Borrower; Age of Co-Applicant or Co-Borrower	Please review the information below and update your file, if needed. 1) The Age of Applicant or Borrower generally should be between 18 and 100 unless the Age of Applicant or Borrower is reported 8888 indicating NA. Your data indicates a number outside of this range. 2) The Age of Co-Applicant or Co-Borrower generally should be between 18 and 100 unless the Age of Co-Applicant or Co-Borrower is reported 8888 indicating NA or 9999 indicating no co-applicant or co-borrower. Your data indicates a number outside of this range.
Q615	Origination Charges	Origination Charges; Total Loan Costs; Total Points and Fees	Please review the information below and update your file, if needed. 1) If Total Loan Costs and Origination Charges are not reported NA or Exempt, and are both nonzero numbers, then Total Loan Costs generally should be greater than Origination Charges. 2) If Total Points and Fees and Origination Charges are not reported NA or Exempt, and are both nonzero numbers, then Total Points and Fees generally should be greater than Origination Charges.
Q616	Discount Points	Discount Points; Total Loan Costs; Total Points and Fees	Please review the information below and update your file, if needed. 1) If Total Loan Costs and Discount Points are not reported NA or Exempt, and are both nonzero numbers, then Total Loan Costs generally should be greater than Discount Points. 2) If Total Points and Fees and Discount Points are not reported NA or Exempt, and are both nonzero numbers, then Total Points and Fees generally should be greater than Discount Points.
Q617	Combined Loan-to-Value Ratio	Loan Type, Combined Loan-to-Value Ratio, Loan Amount, and Property Value	Please review the information below and update your file, if needed. 1) If Loan Type equals 1 and Combined Loan-to-Value Ratio and Property Value are not reported NA or Exempt, then the Combined Loan-to Value Ratio generally should be greater than or equal to the Loan-to-Value Ratio (calculated as Loan Amount divided by the Property Value ).
Q618	Manufactured Home Secured Property Type	Construction Method; Manufactured Home Secured Property Type	Please review the information below and update your file, if needed. 1) If Construction Method equals 2, then Manufactured Home Secured Property Type generally should not be 3.
Q619	Manufactured Home Land Property Interest	Construction Method; Manufactured Home Land Property Interest	Please review the information below and update your file, if needed. 1) If Construction Method equals 2, then Manufactured Home Land Property Interest generally should not be 5.
Q620	NMLSR ID	Business or Commercial Purpose; NMLSR ID	Please review the information below and update your file, if needed. 1) If Business or Commercial Purpose equals 2, then NMLSR ID generally should not be NA.
Q621	NMLSR ID	NMLSR ID	Please review the information below and update your file, if needed. 1) The NMLSR ID should be alphanumeric up to 12 characters. Your data indicates a value outside of this range.
Q622	Age of Applicant or Borrower	Reverse Mortgage; Age of Applicant or Borrower	Please review the information below and update your file, if needed. 1) If Reverse Mortgage equals 1, then the Age of Applicant or Borrower generally should be greater than or equal to 62. Your data indicates a number outside this range.
Q623	Loan Amount	Loan Amount; Total Units; Income	Please review the information below and update your file, if needed. 1) If Total Units is less than or equal to 4 and Income is less than or equal to $200,000 (reported as 200) , then Loan Amount generally should be less than $2,000,000 (reported as 2000000) .
Q624	Loan Amount	Loan Type; Total Units; Loan Amount	Please review the information below and update your file, if needed. 1) If Loan Type equals 2 and Total Units equals 1, then Loan Amount generally should be less than or equal to $637,000 (reported as 637000) .
Q625	Loan Amount	Loan Type; Total Units; Loan Amount	Please review the information below and update your file, if needed. 1) If Loan Type equals 3 and Total Units is less than or equal to 4, then Loan Amount generally should be less than or equal to $1,050,000 (reported as 1050000) .
Q626	Loan Amount	Type of Purchaser; Total Units; Loan Amount	Please review the information below and update your file, if needed. 1) If Type of Purchaser equals 1, 2, 3, or 4 and Total Units is less than or equal to 4, then Loan Amount generally should be less than or equal to $1,225,000 (reported as 1225000) .
Q627	Loan Amount	Total Units; Loan Amount	Please review the information below and update your file, if needed. 1) If Total Units is greater than or equal to 5, then Loan Amount generally should be between $100,000 (reported as 100000) and $10,000,000 (reported as 10000000) .
Q628	Loan Amount	Loan Purpose; Loan Amount; Total Units	Please review the information below and update your file, if needed. 1) If Loan Purpose equals 1 and Total Units is less than or equal to 4, then Loan Amount generally should be greater than $10,000 (reported as 10000) .
Q629	Income	Action Taken; Total Units; Loan Purpose; Income	Please review the information below and update your file, if needed. 1) If Action Taken equals 1, 2, 3, 4, 5, 7, or 8; Total Units is less than or equal to 4; and Loan Purpose equals 1, 2, or 4, then Incomegenerally should not be NA.
Q630	HOEPA Status	Total Units; HOEPA Status	Please review the information below and update your file, if needed. 1) If Total Units is greater than or equal to 5, then HOEPA Status generally should equal 3.
Q631	Total Units	Loan Type; Total Units	Please review the information below and update your file, if needed. 1) If Loan Type equals 2, 3, or 4, then Total Units generally should be less than or equal to 4.
Q632	Automated Underwriting System	Automated Underwriting System: 1; Automated Underwriting System: 2; Automated Underwriting System: 3; Automated Underwriting System: 4; Automated Underwriting System: 5; Automated Underwriting System Result: 1; Automated Underwriting System Result: 2; Automated Underwriting System Result: 3; Automated Underwriting System Result: 4; Automated Underwriting System Result: 5	Please review the information below and update your file, if needed 1) If Automated Underwriting System: 1;Automated Underwriting System: 2;Automated Underwriting System: 3;Automated Underwriting System: 4; or Automated Underwriting System: 5 equals 3, then the corresponding Automated Underwriting System Result: 1 ;Automated Underwriting System Result: 2;Automated Underwriting System Result: 3;Automated Underwriting System Result: 4; or Automated Underwriting System Result: 5 should equal 1, 2, 3, 4, 8, 13, 18, 19 or 16.
Q633	Automated Underwriting System	Automated Underwriting System: 1; Automated Underwriting System: 2; Automated Underwriting System: 3; Automated Underwriting System: 4; Automated Underwriting System: 5; Automated Underwriting System Result: 1; Automated Underwriting System Result: 2; Automated Underwriting System Result: 3; Automated Underwriting System Result: 4; Automated Underwriting System Result: 5	Please review the information below and update your file, if needed. 1) If Automated Underwriting System: 1;Automated Underwriting System: 2;Automated Underwriting System: 3;Automated Underwriting System: 4; or Automated Underwriting System: 5 equals 4, then the corresponding Automated Underwriting System Result: 1 ;Automated Underwriting System Result: 2;Automated Underwriting System Result: 3;Automated Underwriting System Result: 4;or Automated Underwriting System Result: 5 should equal 3, 4, 10, 15, 18, 19, 20, 21, 22, 23, 24 or 16.
Q642	Credit Score	Credit Score of Applicant or Borrower; Applicant or Borrower, Name and Version of Credit Scoring Model; Credit Score of Co-Applicant or Co-Borrower; Co-Applicant or Co-Borrower, Name and Version of Credit Scoring Model	Please review the information below and update your file, if needed. 1) If Credit Score of Applicant or Borrower equals 7777 indicating a credit score that is not a number, then Applicant or Borrower, Name and Version of Credit Scoring Model should equal 7 or 8. 2) If Credit Score of Co-Applicant or Co-Borrower equals 7777 indicating a credit score that is not a number, then Co- Applicant or Co-Borrower, Name and Version of Credit Scoring Model should equal 7 or 8.
Q643	Automated Underwriting System	Automated Underwriting System: 1; Automated Underwriting System: 2; Automated Underwriting System: 3; Automated Underwriting System: 4; Automated Underwriting System: 5; Automated Underwriting System Result: 1; Automated Underwriting System Result: 2; Automated Underwriting System Result: 3; Automated Underwriting System Result: 4; Automated Underwriting System Result: 5	Please review the information below and update your file, if needed. 1) If Automated Underwriting System: 1;Automated Underwriting System: 2;Automated Underwriting System: 3;Automated Underwriting System: 4; or A utomated Underwriting System: 5 equals 1, then the corresponding Automated Underwriting System Result: 1 ;Automated Underwriting System Result: 2;Automated Underwriting System Result: 3;Automated Underwriting System Result: 4; or Automated Underwriting System Result: 5 should equal 1, 2, 3, 4, 5, 6, 7, 15, or 16.
Q644	Automated Underwriting System	Automated Underwriting System: 1; Automated Underwriting System: 2; Automated Underwriting System: 3; Automated Underwriting System: 4; Automated Underwriting System: 5; Automated Underwriting System Result: 1; Automated Underwriting System Result: 2; Automated Underwriting System Result: 3; Automated Underwriting System Result: 4; Automated Underwriting System Result: 5	Please review the information below and update your file, if needed. 1) If Automated Underwriting System: 1;Automated Underwriting System: 2;Automated Underwriting System: 3;Automated Underwriting System: 4; or Automated Underwriting System: 5 equals 2, then the corresponding Automated Underwriting System Result: 1 ; Automated Underwriting System Result: 2; Automated Underwriting System Result: 3 ; Automated Underwriting System Result: 4; or Automated Underwriting System Result: 5 should equal 8, 9, 10, 11, 12, 13, or 16.
Q645	Loan Amount	Loan Amount	Please review the information below and update your file, if needed. 1) Loan Amount should generally be greater than or equal to $500 (reported 500) . 2) If Loan Purpose equals 1, then Loan Amount should generally be greater than or equal to $1,000 (reported 1000) .
Q648	ULI	Action Taken; Universal Loan Identifier (ULI)	Please review the information below and update your file, if needed. 1) If Action Takenequals 1, 2, 3, 4, 5, 7, or 8, the first 20 characters of the ULI should match the reported LEI.
Q649	Credit Score	Credit Score of Applicant or Borrower; Credit Score of Co-Applicant or Co-Borrower	Please review the information below and update your file, if needed. 1) If Credit Score of Applicant or Borrower does not equal 7777, 8888, or 1111, Credit Score should generally be between 300 and 900. 2) If Credit Score of Co-Applicant or Co-Borrower does not equal 7777, 8888, 9999, or 1111, Credit Score should generally be between 300 and 900.
Q650	Interest Rate	Interest Rate	Please review the information below and update your file, if needed. 1) The Interest Rate reported is greater than 0 but less than 0.5, which may indicate a misplaced decimal point. 2) The Interest Rate reported is greater than 20, which may indicate a misplaced decimal point.
Q651	Combined Loan-to-Value Ratio	Combined Loan-to-Value Ratio	Please review the information below and update your file, if needed. 1) The CLTV reported is greater than 0 but less than 1, which may indicate a misplaced decimal point.
Q652	Debt-to-Income Ratio	Debt-to-Income Ratio	Please review the information below and update your file, if needed. 1) The DTI reported is greater than 0 but less than 1, which may indicate a misplaced decimal point.
Q653	Combined Loan-to-Value Ratio	Combined Loan-to-Value Ratio; Action Taken	Please review the information below and update your file, if needed. 1) If Action Taken equals 1, 2, or 8, and the value for CLTV is not NA or Exempt, the CLTV should generally be between 0 and 250. 2) If Action Taken equals 3, 4, 5, 6, or 7, and the value for CLTV is not NA or Exempt, the CLTV should generally be between 0 and 1,000.
Q654	Debt-to-Income Ratio	Debt-to-Income Ratio; Income; Action Taken	Please review the information below and update your file, if needed. 1) If Income is greater than $5,000 (reported as 5) and Action Taken equals 1, 2, or 8, the DTI should generally be between 0 and 80.
Q655	Multifamily Affordable Units	Total Units; Multifamily Affordable Units	Please review the information below and update your file, if needed. 1) If Total Units is greater than or equal to 5 and the record relates to a multifamily property, then Multifamily Affordable Units should generally be 0 or an integer.
Q656	Any data point eligible for an alphanumeric exemption code	Any data field eligible for an alphanumeric exemption code	Please review the information below and update your file, if needed. The value 1111 was entered in a field that accepts only Exempt as the exemption code, which may indicate an incorrect exemption code is being used.
Q657	Any data point with a numeric data field type that is not eligible for an exemption code	Any data field with a numeric data field type that is not eligible for an exemption code	Please review the information below and update your file, if needed. The value 1111 was entered in a field that does not accept 1111 as an exemption code, which may indicate that an incorrect exemption code is being used.

TABLE 8: MACRO QUALITY EDITS FOR LOAN/APPLICATION REGISTER

Table 8
Edit ID	Data Point Name	Affected Data Fields	Edit Description
Q634	Action Taken	Action Taken; Loan Purpose	Please review the information below and update your file, if needed. If more than 25 loans reported Action Taken equals 1 and Loan Purpose equals 1, then the number of these loans should be less than or equal to 95% of the loans reported with Loan Purpose equals 1. Your data indicates a percentage outside of this range.
Q635	Action Taken	Action Taken; Total Number of Entries Contained in Submission	Please review the information below and update your file, if needed. No more than 15% of the loans in the file should report Action Taken equals 2. Your data indicates a percentage outside of this range.
Q636	Action Taken	Action Taken; Total Number of Entries Contained in Submission	Please review the information below and update your file, if needed. No more than 30% of the loans in the file should report Action Taken equals 4. Your data indicates a percentage outside of this range.
Q637	Action Taken	Action Taken; Total Number of Entries Contained in Submission	Please review the information below and update your file, if needed. No more than 15% of the loans in the file should report Action Taken equals 5. Your data indicates a percentage outside of this range.
Q638	Action Taken	Action Taken	Please review the information below and update your file, if needed. The number of loans in the file that reported Action Taken equals 1 should be greater than or equal to 20% of the total number of loans that reported Action Taken1, 2, 3, 4, 5, or 6. Your data indicates a percentage outside of this range.
Q639	Action Taken	Action Taken; Preapproval	Please review the information below and update your file, if needed. If more than 1000 loans were reported with Preapproval equals 1, then there should be at least 1 loan reported with Action Taken equals 7. Your data indicates a number outside of this range.
Q640	Income	Income; Total Number of Entries Contained in Submission	Please review the information below and update your file, if needed. No more than 20% of the loans in the file should reportIncomeless than $10 thousand (entered as 10) . Your data indicates a percentage outside of this range.
Q646	Any data point eligible for an exemption code	Any field eligible for an exemption code	Your file indicates that at least one exemption code was used. Please verify that your institution is eligible for a partial exemption pursuant to the 2018 HMDA Rule.

TABLE 9: MACRO QUALITY EDITS FOR TRANSMITTAL SHEET AND LOAN/APPLICATION REGISTER

Table 9
Edit ID	Data Field	Affected Data Fields	Edit Description
Q647	Federal Agency	Federal Agency; Any field eligible for exemption code.	Please review the information below and update your file, if needed. If Federal Agencyequals 7, indicating a non-depository institution, exemption codes should not be used in the Loan/Application Register. Your data indicates that at least one exemption code was used.

5. 2021 Edit Specifications

5.1 Introduction​

5.2 2021 New and Revised Edits​

TABLE 3: 2021 EDITS REVISED FROM 2020​

5.3 2021 Edits​

TABLE 4: SYNTACTICAL AND VALIDITY EDITS FOR FILING INSTITUTION, REPORTING PERIOD, AND CONTACT INFORMATION (TRANSMITTAL SHEET), AND LOAN/APPLICATION REGISTER​

TABLE 5: SYNTACTICAL AND VALIDITY EDITS FOR FILING INSTITUTION, REPORTING PERIOD, AND CONTACT INFORMATION (TRANSMITTAL SHEET)​

TABLE 6: SYNTACTICAL AND VALIDITY EDITS FOR LOAN/APPLICATION REGISTER​

TABLE 7: QUALITY EDITS FOR LOAN/APPLICATION REGISTER​

TABLE 8: MACRO QUALITY EDITS FOR LOAN/APPLICATION REGISTER​

TABLE 9: MACRO QUALITY EDITS FOR TRANSMITTAL SHEET AND LOAN/APPLICATION REGISTER​