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Version: 2022

5. 2022 Edit Specifications

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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   2022 New and Revised Edits

TABLE 3: 2022 EDITS REVISED FROM 2021

Table 3
Type of Data FieldEdit NumberData PointModification
Loan/Application Register
V608
ULI
Updated edit to check for invalid NULI values
Loan/Application Register
V660
Credit Score
Updated edit to include new credit scoring model value
Loan/Application Register
V662
Credit Score
Updated edit to include new credit scoring model value
Loan/Application Register
V665
Credit Score
Updated edit to include new credit scoring model value
Loan/Application Register
V667
Credit Score
Updated edit to include new credit scoring model value
Loan/Application Register
V720
Credit Score
New edit to check range for credit scoring models
Loan/Application Register
V721
Age
New edit that triggers when exemption code is used in the Age data point
Loan/Application Register
Q654
DTI
Updated edit is account for NA & Exempt values
Loan/Application Register
Q658
Loan Term
New edit to check Loan Term maximum value
Loan/Application Register
Q659
Any data point that accepts a “Not Applicable” or “No Co-Applicant” value
New edit to check for an inadvertent use of Not Applicable codes

5.3   2022 Edits

Table 4 through Table 8 list all of the edits for HMDA data collected in 2022 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 2022 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 IDData Point NameAffected Data FieldsEdit 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 IDData 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 IDData Point NameAffected Data FieldsEdit 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 NA, Exempt, 1111 or 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, 9, or 11.
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, 9, or 11 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, 10, or 11 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, 10, or 11 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.
V720
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; Co-Applicant or Co-Borrower, Name and Version of Credit Scoring Model
An invalid Credit Score was reported. Please review the information below and update your file accordingly:
1) If Applicant or Borrower, Name and Version of Credit Scoring Model is 1, 2, 3, 4, 5, 6, or 11, Credit Score of Applicant or Borrower should be 280 or above.
2) If Co-Applicant or Co-Borrower, Name and Version of Credit Scoring Model is 1, 2, 3, 4, 5, 6, or 11, Credit Score of Co-Applicant or Co-Borrower should be 280 or above.
V721
Age
Age of Applicant or Borrower; Age of Co-Applicant or Co-Borrower
An invalid Age was reported. Please review the information below and update your file accordingly:
1) If Age of Applicant or Borrower is not 8888, indicating Not Applicable, it must be the applicant or borrower’s age and cannot be 9999 or 1111.
2) If Age of Co-Applicant is not 8888, indicating Not Applicable, or 9999, indicating No Co-Applicant, it must be the co-applicant or co-borrower’s age and cannot be 1111.

TABLE 7: QUALITY EDITS FOR LOAN/APPLICATION REGISTER

Table 7
Edit IDData Point NameAffected Data FieldsEdit 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) , Action Taken equals 1, 2, or 8, and the value for DTI is not NA or Exempt, the DTIshould 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 that accepts a numeric data field type that is not eligible for an exemption code
Any data field that accepts 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.
Q658
Loan Term
Loan Term
Please review the information below and update your file, if needed.
1) If Loan Termis not NA or Exempt, the Loan Term should generally be 600 or less.
Q659
Any data point that accepts a “Not Applicable” or “No Co-Applicant” value
Any data point that accepts a “Not Applicable” or “No Co-Applicant” value
Please review the information below and update your file, if needed.
1) The values 888 or 88888 were entered in a field that accepts 8888 or NA as a value, which may indicate that an incorrect value is being used.
2) The values 999 or 99999 were entered in a field that accepts 9999 or NA as a value, which may indicate that an incorrect value is being used.

TABLE 8: MACRO QUALITY EDITS FOR LOAN/APPLICATION REGISTER

Table 8
Edit IDData Point NameAffected Data FieldsEdit 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 IDData FieldAffected Data FieldsEdit 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.

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