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Version: 2023

2023 FIG (Filing Instructions Guide)

1. What’s in the FIG?

The 2023 Filing Instructions Guide (FIG) is a compendium of resources to help you file annual HMDA data collected in 2023 with the Consumer Financial Protection Bureau (Bureau) in 2024. These resources are briefly described in this section and are further detailed throughout this document in individual sections. The HMDA agencies have agreed that filing HMDA data collected in or after 2017 with the Bureau will be deemed as a submission to the appropriate Federal agency. 1

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The FIG includes the following sections:

1.1   Changes to the Submission Process for Data Collected in 2023

This section provides a summary of the changes made to the submission process for filing HMDA data collected in 2023 with the Bureau. This section may be useful for employees in a variety of roles, for example, your institution’s:

  • Compliance Officer

  • Staff who collect, prepare, and submit HMDA data

  • HMDA technology support staff

1.2   2023 File Specifications

This section provides information including valid values, how to format your loan/application register, and how to file your HMDA data collected in 2023 with the Bureau. This section may be useful for employees in a variety of roles, for example, your institution’s:

  • Staff who collect, prepare, and submit HMDA data

  • HMDA technology support staff

1.3   2023 Data Specifications

On October 15, 2015, the Bureau issued a final rule (2015 HMDA Final Rule) Regulation C. In August 2017, the Bureau issued a final rule amending the 2015 HMDA Rule primarily to make technical corrections and clarify amendments (2017 HMDA Final Rule). In August 2018, the Bureau issued an interpretive and procedural rule (2018 HMDA Rule) to implement and clarify the amendments to HMDA made by section 104(a) of the Economic Growth, Regulatory Relief, and Consumer Protection Act (the Act). Beginning with data collected in 2018, HMDA filers should report the data points described in the 2015 HMDA Final Rule and the 2017 HMDA Final Rule, as modified by the 2018 HMDA Rule for insured depository institutions and insured credit unions reporting transactions covered by a partial exemption.

This section provides instructions for what to enter into each data field in the loan/application register. This section may be useful for employees in a variety of roles, for example, your institution’s:

  • Compliance officer

  • Staff who collect, prepare, and submit HMDA data

1.4   2023 Edit Specifications

This section lists the edits that financial institutions must run on HMDA data before filing with the Bureau. This section may be useful for employees in a variety of roles, for example, your institution’s:

  • Staff who collect, prepare, and submit HMDA data

2. Changes to the Submission Process for Data Collected in 2023

2.1   Items that have changed:

There are no significant changes to the submission process for data collected in 2023 and reported in 2024.

2.2   Items that have not changed:

The data fields to be collected and reported have not changed:

The required data fields for the 2023 data have not changed from the 2022 data collection and reporting requirements. Please refer to Regulation C, the 2018 HMDA Rule, and the Data Specification section for the 2023 requirements.

The loan/application register file format for submitting your HMDA data:

Financial institutions will submit data collected in a pipe delimited text file (.txt). Data fields will be separated by a pipe character, “|”, and will not be fixed length. Do not include leading zeros for the purpose of making a data field a specific number of characters. Additional information regarding the loan/application register file format can be found in the “Self Service Knowledge Portal” located at https://ffiec.cfpb.gov.

For additional questions, contact hmdahelp@cfpb.gov. Text entries in alphanumeric fields do not need to use all uppercase letters with the exception of:

  • “NA” used when the reporting requirement is not applicable;

  • Two-letter state codes;

  • A capital “E” at the beginning of any “Exempt” response.

A loan/application register formatting tool will be provided to help filers format certain data into a pipe delimited text file. This tool may be especially helpful for filers with small volumes of reported loans that do not use vendor or other software to prepare their HMDA data for submission. Information regarding the loan/application register formatting tool will be located at https://ffiec.cfpb.gov.

The way you submit your HMDA data:

Filers will submit their HMDA data using a web interface referred to as the HMDA Platform. Information regarding the HMDA Platform can be located at: https://ffiec.cfpb.gov.

We recommend that HMDA filers use a modern browser, such as the latest version of Google Chrome™, Mozilla® Firefox®, Microsoft Edge™, or other modern browsers. The following submission methods will not be permitted:

  • PC Diskette and CD-ROM
  • Submission via Web (from the Data Entry Software (DES))
  • E-mail to HMDASUB@FRB.GOV
  • Paper Submissions [//]: #

The process by which you validate the edit report:

Financial institutions must address all edits prior to submitting their HMDA data. In contrast to the previous process for filing data with the Federal Reserve Board (FRB), all edits must now be addressed prior to filing HMDA data with the Bureau in order to complete the submission process.

The edit report will be web-based:

  • Edit reports will not be e-mailed to filers in PDF format. Instead, the Bureau edit reports will be viewed and can be downloaded from the HMDA Platform.

  • Responses to the edits will not be faxed or e-mailed to the Bureau. The HMDA Platform will guide filers through the process of addressing edits.
    [//]: #

The agency with which you file resubmissions of your HMDA data:

A resubmission means that you have already filed your HMDA submission and received a confirmation receipt, but you are submitting again for the same filing year. Beginning with data collected in 2017, filers will resubmit their HMDA data to the Bureau.

The Officer Certification process:

As part of the submission process, an authorized representative of your institution with knowledge of the data submitted shall certify to the accuracy and completeness of the data submitted. Filers will not fax or e-mail the signed certification.

The contact information for HMDA Help:

Technical questions about reporting HMDA data collected in or after 2017 should be directed to hmdahelp@cfpb.gov. Technical questions about reporting HMDA data collected in or before 2016 should be directed to hmdahelp@frb.gov.

3. 2023 File Specifications

3.1   Introduction

The following information describes the format used when filing HMDA data with the Bureau.

3.2   Submission instructions

Filers will submit their HMDA data using a web interface. Information regarding the HMDA Platform can be located at: https://ffiec.cfpb.gov.

  • We recommend that HMDA filers use a modern browser, such as the latest version of Google Chrome™, Mozilla® Firefox®, Microsoft Edge™, or other modern browsers.

The HMDA Platform will walk you through the loan/application register filing process.

Certification will also occur within the HMDA Platform. An authorized representative of your institution with knowledge of the data submitted shall certify to the accuracy and completeness of the data submitted.

3.3   Loan/Application Register format

Beginning with data collected in 2017, your HMDA data loan/application register will be submitted in a pipe (also referred to as vertical bar) delimited text file format. This means that:

  • Each data field within each row will be separated with a pipe character, “|”.

  • Do not include leading zeros for the purpose of making a data field a specific number of characters.

  • The loan/application register will be a text file with a .txt file format extension.

  • Do not encase text entries in single or double quotes.

Text entries in alphanumeric fields do not need to use all uppercase letters with the exception of:

  • “NA” used when the reporting requirement is not applicable;

  • Two-letter state codes;

  • A capital “E” at the beginning of any “Exempt” response.

As with previous submissions:

  • The first row of the loan/application register will begin with the number one (1) to indicate that the data fields in row one contain information relating to your institution.

  • All subsequent rows of the loan/application register will begin with the number two (2) to indicate that the data fields beginning in row two contain data fields for the loan/application register, with information relating to the reported loan or application.

  • Each covered loan or application must appear on its own line in the loan/application register.

3.4   Information regarding data fields

Table 1 and Table 2 contain the data field name, data field type, valid values for numeric fields, examples for alphanumeric fields, and the data point name, where applicable.

Please refer to Regulation C and the Data Specifications section for details regarding each data field.

TABLE 1:   FILING INSTITUTION, REPORTING PERIOD, AND CONTACT INFORMATION (TRANSMITTAL SHEET)

Table 1
Data Field NumberData Field NameData Field TypeValid ValuesDescriptions and Examples
1
Record Identifier – Value is 1
Numeric
1
2
Financial Institution Name
Alphanumeric
Example: Ficus Bank
3
Calendar Year
Numeric
Example: 2023
4
Calendar Quarter
Numeric
4
Description:
4. Annual submissions for all HMDA filers for covered loans and applications with respect to which final action was taken from January 1st (01/01) and December 31st (12/31) Codes 1, 2, and 3 are used only during quarterly filing by institutions required to report data quarterly [1]. More information on quarterly filing is found in the Supplemental Guide for Quarterly Filers .
5
Contact Person’s Name
Alphanumeric
Example: Erika Otis
6
Contact Person’s Telephone Number
Alphanumeric
Example: 999-999-9999
7
Contact Person’s E-mail Address
Alphanumeric
Example: erikaotis@bank.com
8
Contact Person’s Office Street Address
Alphanumeric
Example: 4321 W Random Blvd Ste 201
9
Contact Person’s Office City
Alphanumeric
Example: Somecity
10
Contact Person’s Office State
Alphanumeric
Example: CA
11
Contact Person’s Office ZIP Code
Alphanumeric
Example: 90049-9998
12
Federal Agency
Numeric
1
2
3
5
7
9
Descriptions:
1. Office of the Comptroller of the Currency (OCC)
2. Federal Reserve System (FRS)
3. Federal Deposit Insurance Corporation (FDIC)
5. National Credit Union Administration (NCUA)
7. United States Department of Housing and Urban Development (HUD)
9. Consumer Financial Protection Bureau (Bureau)
13
Total Number of Entries Contained in Submission
Numeric
Example: 5000
14
Federal Taxpayer Identification Number
Alphanumeric
Example: 99-9999999
15
Legal Entity Identifier (LEI)
Alphanumeric; Width is 20 characters
Example: 10BX939C5543TQA1144M

TABLE 2:   LOAN/APPLICATION REGISTER

Table 2
Data Field NumberData Field NameData Field TypeValid ValuesDescriptions and ExamplesData Point Name
1
Record Identifier – Value is 2
Numeric
2
2
Legal Entity Identifier (LEI)
Alphanumeric; Width is 20 characters
Example: 10BX939C5543TQA1144M
Legal Entity Identifier (LEI)
3
Universal Loan Identifier (ULI) or Non-Universal Loan Identifier (NULI)
Alphanumeric; Width up to 45 characters
ULI Example: 10BX939C5543TQA1144M999143X38 NULI Example: 999143X
Universal Loan Identifier (ULI) or Non-Universal Loan Identifier (NULI)
4
Application Date
Alphanumeric
Example: 20230721 (or) NA
Application Date
5
Loan Type
Numeric
1
2
3
4
Descriptions:
1. Conventional (not insured or guaranteed by FHA, VA, RHS, or FSA)
2. Federal Housing Administration insured (FHA)
3. Veterans Affairs guaranteed (VA)
4. USDA Rural Housing Service or Farm Service Agency guaranteed (RHS or FSA)
Loan Type
6
Loan Purpose
Numeric
1
2
31
32
4
5
Descriptions:
1. Home purchase
2. Home improvement
31. Refinancing
32. Cash-out refinancing
4. Other purpose
5. Not applicable
Loan Purpose
7
Preapproval
Numeric
1
2
Descriptions:
1. Preapproval requested
2. Preapproval not requested
Preapproval
8
Construction Method
Numeric
1
2
Descriptions:
1. Site-built
2. Manufactured Home
Construction Method
9
Occupancy Type
Numeric
1
2
3
Descriptions:
1. Principal residence
2. Second residence
3. Investment property
Occupancy Type
10
Loan Amount
Numeric
Example: 110500 (or) 110500.00
Loan Amount
11
Action Taken
Numeric
1
2
3
4
5
6
7
8
Descriptions:
1. Loan originated
2. Application approved but not accepted
3. Application denied
4. Application withdrawn by applicant
5. File closed for incompleteness
6. Purchased loan
7. Preapproval request denied
8. Preapproval request approved but not accepted
Action Taken
12
Action Taken Date
Numeric
Example: 20230721
Action Taken Date
13
Street Address
Alphanumeric
Example: 456 W Somewhere Ave Apt 201 (or) NA (or) Exempt
Property Address
14
City
Alphanumeric
Example: Anytown (or) NA (or) Exempt
Property Address
15
State
Alphanumeric
Example: CA (or) NA
Property Location & Property Address
16
ZIP Code
Alphanumeric
Example: 90049-9998 (or) NA (or) Exempt
Property Address
17
County
Alphanumeric
Example: 06037 (or) NA
Property Location
18
Census Tract
Alphanumeric
Example: 06037264000 (or) NA
Property Location
19
Ethnicity of Applicant or Borrower: 1
Numeric
1
11
12
13
14
2
3
4
Descriptions:
1. Hispanic or Latino
11. Mexican
12. Puerto Rican
13. Cuban
14. Other Hispanic or Latino
2. Not Hispanic or Latino
3. Information not provided by applicant in mail, internet, or telephone application
4. Not applicable If the Applicant or Borrower did not select any ethnicity(ies), but only provided ethnicity(ies) in the Ethnicity of Applicant or Borrower: Free Form Text Field for Other Hispanic or Latino, either leave this data field blank or enter Code 14.
Ethnicity
20
Ethnicity of Applicant or Borrower: 2
Numeric
1
11
12
13
14
2
Descriptions:
1. Hispanic or Latino
11. Mexican
12. Puerto Rican
13. Cuban
14. Other Hispanic or Latino
2. Not Hispanic or Latino If this data field does not contain an entry, leave it blank. If the Applicant or Borrower provided ethnicity(ies) in the Ethnicity of Applicant or Borrower: Free Form Text Field for Other Hispanic or Latino, and did not select Code 14, either leave this data field blank or enter Code 14.
Ethnicity
21
Ethnicity of Applicant or Borrower: 3
Numeric
1
11
12
13
14
2
Descriptions:
1. Hispanic or Latino
11. Mexican
12. Puerto Rican
13. Cuban
14. Other Hispanic or Latino
2. Not Hispanic or Latino If this data field does not contain an entry, leave it blank. If the Applicant or Borrower provided ethnicity(ies) in the Ethnicity of Applicant or Borrower: Free Form Text Field for Other Hispanic or Latino, and did not select Code 14, either leave this data field blank or enter Code 14.
Ethnicity
22
Ethnicity of Applicant or Borrower: 4
Numeric
1
11
12
13
14
2
Descriptions:
1. Hispanic or Latino
11. Mexican
12. Puerto Rican
13. Cuban
14. Other Hispanic or Latino
2. Not Hispanic or Latino If this data field does not contain an entry, leave it blank. If the Applicant or Borrower provided ethnicity(ies) in the Ethnicity of Applicant or Borrower: Free Form Text Field for Other Hispanic or Latino, and did not select Code 14, either leave this data field blank or enter Code 14.
Ethnicity
23
Ethnicity of Applicant or Borrower: 5
Numeric
1
11
12
13
14
2
Descriptions:
1. Hispanic or Latino
11. Mexican
12. Puerto Rican
13. Cuban
14. Other Hispanic or Latino
2. Not Hispanic or Latino If this data field does not contain an entry, leave it blank. If the Applicant or Borrower provided ethnicity(ies) in the Ethnicity of Applicant or Borrower: Free Form Text Field for Other Hispanic or Latino, and did not select Code 14, either leave this data field blank or enter Code 14.
Ethnicity
24
Ethnicity of Applicant or Borrower: Free Form Text Field for Other Hispanic or Latino
Alphanumeric; Width up to 100 characters
Specify in text the Applicant’s or Borrower’s Other Hispanic or Latino ethnicity(ies) provided by the Applicant or Borrower. Otherwise, leave this data field blank.
Ethnicity
25
Ethnicity of Co-Applicant or Co-Borrower: 1
Numeric
1
11
12
13
14
2
3
4
5
Descriptions:
1. Hispanic or Latino
11. Mexican
12. Puerto Rican
13. Cuban
14. Other Hispanic or Latino
2. Not Hispanic or Latino
3. Information not provided by applicant in mail, internet, or telephone application
4. Not applicable
5. No co-applicant If the Co-Applicant or Co-Borrower did not select any ethnicity(ies), but only provided ethnicity(ies) in the Ethnicity of Co-Applicant or Co-Borrower: Free Form Text Field for Other Hispanic or Latino, either leave this this data field blank or enter Code 14.
Ethnicity
26
Ethnicity of Co-Applicant or Co-Borrower: 2
Numeric
1
11
12
13
14
2
Descriptions:
1. Hispanic or Latino
11. Mexican
12. Puerto Rican
13. Cuban
14. Other Hispanic or Latino
2. Not Hispanic or Latino If this data field does not contain an entry, leave it blank. If the Co-Applicant or Co-Borrower provided ethnicity(ies) in the Ethnicity of Co-Applicant or Co-Borrower: Free Form Text Field for Other Hispanic or Latino, and did not select Code 14, either leave this data field blank or enter Code 14.
Ethnicity
27
Ethnicity of Co-Applicant or Co-Borrower: 3
Numeric
1
11
12
13
14
2
Descriptions:
1. Hispanic or Latino
11. Mexican
12. Puerto Rican
13. Cuban
14. Other Hispanic or Latino
2. Not Hispanic or Latino If this data field does not contain an entry, leave it blank. If the Co-Applicant or Co-Borrower provided ethnicity(ies) in the Ethnicity of Co-Applicant or Co-Borrower: Free Form Text Field for Other Hispanic or Latino, and did not select Code 14, either leave this data field blank or enter Code 14.
Ethnicity
28
Ethnicity of Co-Applicant or Co-Borrower: 4
Numeric
1
11
12
13
14
2
Descriptions:
1. Hispanic or Latino
11. Mexican
12. Puerto Rican
13. Cuban
14. Other Hispanic or Latino
2. Not Hispanic or Latino If this data field does not contain an entry, leave it blank. If the Co-Applicant or Co-Borrower provided ethnicity(ies) in the Ethnicity of Co-Applicant or Co-Borrower: Free Form Text Field for Other Hispanic or Latino, and did not select Code 14, either leave this data field blank or enter Code 14.
Ethnicity
29
Ethnicity of Co-Applicant or Co-Borrower: 5
Numeric
1
11
12
13
14
2
Descriptions:
1. Hispanic or Latino
11. Mexican
12. Puerto Rican
13. Cuban
14. Other Hispanic or Latino
2. Not Hispanic or Latino If this data field does not contain an entry, leave it blank. If the Co-Applicant or Co-Borrower provided ethnicity(ies) in the Ethnicity of Co-Applicant or Co-Borrower: Free Form Text Field for Other Hispanic or Latino, and did not select Code 14, either leave this data field blank or enter Code 14.
Ethnicity
30
Ethnicity of Co-Applicant or Co-Borrower: Free Form Text Field for Other Hispanic or Latino
Alphanumeric; Width up to 100 characters
Specify in text the Co-Applicant’s or Co-Borrower’s Other Hispanic or Latino ethnicity(ies) provided by the Co-Applicant or Co-Borrower. Otherwise, leave this data field blank.
Ethnicity
31
Ethnicity of Applicant or Borrower Collected on the Basis of Visual Observation or Surname
Numeric
1
2
3
Descriptions:
1. Collected on the basis of visual observation or surname
2. Not collected on the basis of visual observation or surname
3. Not applicable
Ethnicity
32
Ethnicity of Co-Applicant or Co-Borrower Collected on the Basis of Visual Observation or Surname
Numeric
1
2
3
4
Descriptions:
1. Collected on the basis of visual observation or surname
2. Not collected on the basis of visual observation or surname
3. Not applicable
4. No co-applicant
Ethnicity
33
Race of Applicant or Borrower: 1
Numeric
1
2
21
22
23
24
25
26
27
3
4
41
42
43
44
5
6
7
Descriptions:
1. American Indian or Alaska Native
2. Asian
21. Asian Indian
22. Chinese
23. Filipino
24. Japanese
25. Korean
26. Vietnamese
27. Other Asian
3. Black or African American
4. Native Hawaiian or Other Pacific Islander
41. Native Hawaiian
42. Guamanian or Chamorro
43. Samoan
44. Other Pacific Islander
5. White
6. Information not provided by applicant in mail, internet, or telephone application
7. Not applicable If the Applicant or Borrower did not select any race(s) and only provided race(s) in the 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, and/or Race of Applicant or Borrower: Free Form Text Field for Other Pacific Islander, either leave this data field blank or enter, as appropriate, Code 1, 27, or 44.
Race
34
Race of Applicant or Borrower: 2
Numeric
1
2
21
22
23
24
25
26
27
3
4
41
42
43
44
5
Descriptions:
1. American Indian or Alaska Native
2. Asian
21. Asian Indian
22. Chinese
23. Filipino
24. Japanese
25. Korean
26. Vietnamese
27. Other Asian
3. Black or African American
4. Native Hawaiian or Other Pacific Islander
41. Native Hawaiian
42. Guamanian or Chamorro
43. Samoan
44. Other Pacific Islander
5. White If this data field does not contain an entry, leave it blank. If the Applicant or Borrower provided race(s) in the 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, and/or Race of Applicant or Borrower: Free Form Text Field for Other Pacific Islander, and did not select Code 1, 27, or 44, either leave this data field blank or enter Code 1, 27, or 44.
Race
35
Race of Applicant or Borrower: 3
Numeric
1
2
21
22
23
24
25
26
27
3
4
41
42
43
44
5
Descriptions:
1. American Indian or Alaska Native
2. Asian
21. Asian Indian
22. Chinese
23. Filipino
24. Japanese
25. Korean
26. Vietnamese
27. Other Asian
3. Black or African American
4. Native Hawaiian or Other Pacific Islander
41. Native Hawaiian
42. Guamanian or Chamorro
43. Samoan
44. Other Pacific Islander
5. White If this data field does not contain an entry, leave it blank. If the Applicant or Borrower provided race(s) in the 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, and/or Race of Applicant or Borrower: Free Form Text Field for Other Pacific Islander, and did not select Code 1, 27, or 44, either leave this data field blank or enter Code 1, 27, or 44.
Race
36
Race of Applicant or Borrower: 4
Numeric
1
2
21
22
23
24
25
26
27
3
4
41
42
43
44
5
Descriptions:
1. American Indian or Alaska Native
2. Asian
21. Asian Indian
22. Chinese
23. Filipino
24. Japanese
25. Korean
26. Vietnamese
27. Other Asian
3. Black or African American
4. Native Hawaiian or Other Pacific Islander
41. Native Hawaiian
42. Guamanian or Chamorro
43. Samoan
44. Other Pacific Islander
5. White If this data field does not contain an entry, leave it blank. If the Applicant or Borrower provided race(s) in the 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, and/or Race of Applicant or Borrower: Free Form Text Field for Other Pacific Islander, and did not select Code 1, 27, or 44, either leave this data field blank or enter Code 1, 27, or 44.
Race
37
Race of Applicant or Borrower: 5
Numeric
1
2
21
22
23
24
25
26
27
3
4
41
42
43
44
5
Descriptions:
1. American Indian or Alaska Native
2. Asian
21. Asian Indian
22. Chinese
23. Filipino
24. Japanese
25. Korean
26. Vietnamese
27. Other Asian
3. Black or African American
4. Native Hawaiian or Other Pacific Islander
41. Native Hawaiian
42. Guamanian or Chamorro
43. Samoan
44. Other Pacific Islander
5. White If this data field does not contain an entry, leave it blank. If the Applicant or Borrower provided race(s) in the 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, and/or Race of Applicant or Borrower: Free Form Text Field for Other Pacific Islander, and did not select Code 1, 27, or 44, either leave this data field blank or enter Code 1, 27, or 44.
Race
38
Race of Applicant or Borrower: Free Form Text Field for American Indian or Alaska Native Enrolled or Principal Tribe
Alphanumeric; Width up to 100 characters
Specify in text the Applicant’s or Borrower’s American Indian or Alaska Native Enrolled or Principal Tribe if provided by the Applicant or Borrower. Otherwise, leave this data field blank.
Race
39
Race of Applicant or Borrower: Free Form Text Field for Other Asian
Alphanumeric; Width up to 100 characters
Specify in text the Applicant’s or Borrower’s Other Asian race(s) provided by the Applicant or Borrower. Otherwise, leave this data field blank.
Race
40
Race of Applicant or Borrower: Free Form Text Field for Other Pacific Islander
Alphanumeric; Width up to 100 characters
Specify in text the Applicant’s or Borrower’s Other Pacific Islander race(s) provided by the Applicant or Borrower. Otherwise, leave this data field blank.
Race
41
Race of Co-Applicant or Co-Borrower: 1
Numeric
1
2
21
22
23
24
25
26
27
3
4
41
42
43
44
5
6
7
8
Descriptions:
1. American Indian or Alaska Native
2. Asian
21. Asian Indian
22. Chinese
23. Filipino
24. Japanese
25. Korean
26. Vietnamese
27. Other Asian
3. Black or African American
4. Native Hawaiian or Other Pacific Islander
41. Native Hawaiian
42. Guamanian or Chamorro
43. Samoan
44. Other Pacific Islander
5. White
6. Information not provided by applicant in mail, internet, or telephone application
7. Not applicable
8. No co-applicant If the Co-Applicant or Co-Borrower did not select any race(s) and only provided race(s) in the 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, and/or Race of Co-Applicant or Co-Borrower: Free Form Text Field for Other Pacific Islander, either leave this data field blank or enter, as appropriate, Code 1, 27, or 44.
Race
42
Race of Co-Applicant or Co-Borrower: 2
Numeric
1
2
21
22
23
24
25
26
27
3
4
41
42
43
44
5
Descriptions:
1. American Indian or Alaska Native
2. Asian
21. Asian Indian
22. Chinese
23. Filipino
24. Japanese
25. Korean
26. Vietnamese
27. Other Asian
3. Black or African American
4. Native Hawaiian or Other Pacific Islander
41. Native Hawaiian
42. Guamanian or Chamorro
43. Samoan
44. Other Pacific Islander
5. White If this data field does not contain an entry, leave it blank. If the Co-Applicant or Co-Borrower provided race(s) in the 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, and/or Race of Co-Applicant or Co-Borrower: Free Form Text Field for Other Pacific Islander, and did not select Code 1, 27, or 44, either leave this data field blank or enter Code 1, 27, or 44.
Race
43
Race of Co-Applicant or Co-Borrower: 3
Numeric
1
2
21
22
23
24
25
26
27
3
4
41
42
43
44
5
Descriptions:
1. American Indian or Alaska Native
2. Asian
21. Asian Indian
22. Chinese
23. Filipino
24. Japanese
25. Korean
26. Vietnamese
27. Other Asian
3. Black or African American
4. Native Hawaiian or Other Pacific Islander
41. Native Hawaiian
42. Guamanian or Chamorro
43. Samoan
44. Other Pacific Islander
5. White If this data field does not contain an entry, leave it blank. If the Co-Applicant or Co-Borrower provided race(s) in the 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, and/or Race of Co-Applicant or Co-Borrower: Free Form Text Field for Other Pacific Islander, and did not select Code 1, 27, or 44, either leave this data field blank or enter Code 1, 27, or 44.
Race
44
Race of Co-Applicant or Co-Borrower: 4
Numeric
1
2
21
22
23
24
25
26
27
3
4
41
42
43
44
5
Descriptions:
1. American Indian or Alaska Native
2. Asian
21. Asian Indian
22. Chinese
23. Filipino
24. Japanese
25. Korean
26. Vietnamese
27. Other Asian
3. Black or African American
4. Native Hawaiian or Other Pacific Islander
41. Native Hawaiian
42. Guamanian or Chamorro
43. Samoan
44. Other Pacific Islander
5. White If this data field does not contain an entry, leave it blank. If the Co-Applicant or Co-Borrower provided race(s) in the 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, and/or Race of Co-Applicant or Co-Borrower: Free Form Text Field for Other Pacific Islander, and did not select Code 1, 27, or 44, either leave this data field blank or enter Code 1, 27, or 44.
Race
45
Race of Co-Applicant or Co-Borrower: 5
Numeric
1
2
21
22
23
24
25
26
27
3
4
41
42
43
44
5
Descriptions:
1. American Indian or Alaska Native
2. Asian
21. Asian Indian
22. Chinese
23. Filipino
24. Japanese
25. Korean
26. Vietnamese
27. Other Asian
3. Black or African American
4. Native Hawaiian or Other Pacific Islander
41. Native Hawaiian
42. Guamanian or Chamorro
43. Samoan
44. Other Pacific Islander
5. White If this data field does not contain an entry, leave it blank. If the Co-Applicant or Co-Borrower provided race(s) in the 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, and/or Race of Co-Applicant or Co-Borrower: Free Form Text Field for Other Pacific Islander, and did not select Code 1, 27, or 44, either leave this data field blank or enter Code 1, 27, or 44.
Race
46
Race of Co-Applicant or Co-Borrower: Free Form Text Field for American Indian or Alaska Native Enrolled or Principal Tribe
Alphanumeric; Width up to 100 characters
Specify in text the Co-Applicant’s or Co-Borrower’s American Indian or Alaska Native Enrolled or Principal Tribe if provided by the Co-Applicant or Co-Borrower. Otherwise, leave this data field blank.
Race
47
Race of Co-Applicant or Co-Borrower: Free Form Text Field for Other Asian
Alphanumeric; Width up to 100 characters
Specify in text the Co-Applicant’s or Co-Borrower’s Other Asian race(s) provided by the Co-Applicant or Co-Borrower. Otherwise, leave this data field blank.
Race
48
Race of Co-Applicant or Co-Borrower: Free Form Text Field for Other Pacific Islander
Alphanumeric; Width up to 100 characters
Specify in text the Co-Applicant’s or Co-Borrower’s Other Pacific Islander race(s) provided by the Co-Applicant or Co-Borrower. Otherwise, leave this data field blank.
Race
49
Race of Applicant or Borrower Collected on the Basis of Visual Observation or Surname
Numeric
1
2
3
Descriptions:
1. Collected on the basis of visual observation or surname
2. Not collected on the basis of visual observation or surname
3. Not applicable
Race
50
Race of Co-Applicant or Co-Borrower Collected on the Basis of Visual Observation or Surname
Numeric
1
2
3
4
Descriptions:
1. Collected on the basis of visual observation or surname
2. Not collected on the basis of visual observation or surname
3. Not applicable
4. No co-applicant
Race
51
Sex of Applicant or Borrower
Numeric
1
2
3
4
6
Descriptions:
1. Male
2. Female
3. Information not provided by applicant in mail, internet, or telephone application
4. Not applicable
6. Applicant selected both male and female
Sex
52
Sex of Co-Applicant or Co-Borrower
Numeric
1
2
3
4
5
6
Descriptions:
1. Male
2. Female
3. Information not provided by applicant in mail, internet, or telephone application
4. Not applicable
5. No co-applicant
6. Co-applicant selected both male and female
Sex
53
Sex of Applicant or Borrower Collected on the Basis of Visual Observation or Surname
Numeric
1
2
3
Descriptions:
1. Collected on the basis of visual observation or surname
2. Not collected on the basis of visual observation or surname
3. Not applicable
Sex
54
Sex of Co-Applicant or Co-Borrower Collected on the Basis of Visual Observation or Surname
Numeric
1
2
3
4
Descriptions:
1. Collected on the basis of visual observation or surname
2. Not collected on the basis of visual observation or surname
3. Not applicable
4. No co-applicant
Sex
55
Age of Applicant or Borrower
Numeric
8888
Example: 24 (or) Descriptions:
8888. Not applicable
Age
56
Age of Co-Applicant or Co-Borrower
Numeric
8888
9999
Example: 24 (or) Descriptions:
8888. Not applicable
9999. No co-applicant
Age
57
Income
Alphanumeric
Example: 36 (or) -36 (or) NA
Income
58
Type of Purchaser
Numeric
0
1
2
3
4
5
6
71
72
8
9
Descriptions:
0. Not applicable
1. Fannie Mae
2. Ginnie Mae
3. Freddie Mac
4. Farmer Mac
5. Private securitizer
6. Commercial bank, savings bank, or savings association
71. Credit union, mortgage company, or finance company
72. Life insurance company
8. Affiliate institution
9. Other type of purchaser
Type of Purchaser
59
Rate Spread
Alphanumeric
Example: 0.428 (or) -0.428 (or) NA (or) Exempt
Rate Spread
60
HOEPA Status
Numeric
1
2
3
Descriptions:
1. High-cost mortgage
2. Not a high-cost mortgage
3. Not applicable
HOEPA Status
61
Lien Status
Numeric
1
2
Descriptions:
1. Secured by a first lien
2. Secured by a subordinate lien
Lien Status
62
Credit Score of Applicant or Borrower
Numeric
7777
8888
1111
Example: 650 (or) Descriptions:
7777. Credit score is not a number
8888. Not applicable
1111. Exempt
Credit Score
63
Credit Score of Co-Applicant or Co-Borrower
Numeric
7777
8888
9999
1111
Example: 650 (or) Descriptions:
7777. Credit score is not a number
8888. Not applicable
9999. No co-applicant
1111. Exempt
Credit Score
64
Applicant or Borrower, Name and Version of Credit Scoring Model
Numeric
1
2
3
4
5
6
7
8
9
11
1111
Descriptions:
1. Equifax Beacon 5.0
2. Experian Fair Isaac Risk Model v2
3. TransUnion FICO Risk Score Classic 04
4. TransUnion FICO Risk Score Classic 98
5. VantageScore 2.0
6. VantageScore 3.0
7. More than one credit scoring model
8. Other credit scoring model
9. Not applicable
11. FICO Score 9
1111. Exempt
Credit Score
65
Applicant or Borrower, Name and Version of Credit Scoring Model: Conditional Free Form Text Field for Code 8
Alphanumeric; Width up to 100 characters
Specify in text the applicant’s or borrower’s Other credit scoring model if 8 is entered. Otherwise, leave this data field blank.
Credit Score
66
Co-Applicant or Co-Borrower, Name and Version of Credit Scoring Model
Numeric
1
2
3
4
5
6
7
8
9
10
11
1111
Descriptions:
1. Equifax Beacon 5.0
2. Experian Fair Isaac Risk Model v2
3. TransUnion FICO Risk Score Classic 04
4. TransUnion FICO Risk Score Classic 98
5. VantageScore 2.0
6. VantageScore 3.0
7. More than one credit scoring model
8. Other credit scoring model
9. Not applicable
10. No co-applicant
11. FICO Score 9
1111. Exempt
Credit Score
67
Co-Applicant or Co-Borrower, Name and Version of Credit Scoring Model: Conditional Free Form Text Field for Code 8
Alphanumeric; Width up to 100 characters
Specify in text the co-applicant’s or co-borrower’s Other credit scoring model if 8 is entered. Otherwise, leave this data field blank.
Credit Score
68
Reason for Denial: 1
Numeric
1
2
3
4
5
6
7
8
9
10
1111
Descriptions:
1. Debt-to-income ratio
2. Employment history
3. Credit history
4. Collateral
5. Insufficient cash (downpayment, closing costs)
6. Unverifiable information
7. Credit application incomplete
8. Mortgage insurance denied
9. Other
10. Not applicable
1111. Exempt
Reason for Denial
69
Reason for Denial: 2
Numeric
1
2
3
4
5
6
7
8
9
Descriptions:
1. Debt-to-income ratio
2. Employment history
3. Credit history
4. Collateral
5. Insufficient cash (downpayment, closing costs)
6. Unverifiable information
7. Credit application incomplete
8. Mortgage insurance denied
9. Other If this data field does not contain an entry, leave it blank
Reason for Denial
70
Reason for Denial: 3
Numeric
1
2
3
4
5
6
7
8
9
Descriptions:
1. Debt-to-income ratio
2. Employment history
3. Credit history
4. Collateral
5. Insufficient cash (downpayment, closing costs)
6. Unverifiable information
7. Credit application incomplete
8. Mortgage insurance denied
9. Other If this data field does not contain an entry, leave it blank
Reason for Denial
71
Reason for Denial: 4
Numeric
1
2
3
4
5
6
7
8
9
Descriptions: 1.Debt-to-income ratio
2. Employment history
3. Credit history
4. Collateral
5. Insufficient cash (downpayment, closing costs)
6. Unverifiable information
7. Credit application incomplete
8. Mortgage insurance denied
9. Other If this data field does not contain an entry, leave it blank
Reason for Denial
72
Reason for Denial: Conditional Free Form Text Field for Code 9
Alphanumeric; Width up to 255 characters
Specify in text the Other Denial Reason(s) if Code 9 is entered. Otherwise, leave this data field blank.
Reason for Denial
73
Total Loan Costs
Alphanumeric
Example: 2399.04 (or) NA (or) Exempt
Total Loan Costs or Total Points and Fees
74
Total Points and Fees
Alphanumeric
Example: 2399.04 (or) NA (or) Exempt
Total Loan Costs or Total Points and Fees
75
Origination Charges
Alphanumeric
Example: 2399.04 (or) NA (or) Exempt
Origination Charges
76
Discount Points
Alphanumeric
Example: 2399.04 (or) NA (or) Exempt If no points were paid, leave this data field blank
Discount Points
77
Lender Credits
Alphanumeric
Example: 1500.24 (or) NA (or) Exempt If no lender credits were provided, leave this data field blank
Lender Credits
78
Interest Rate
Alphanumeric
Example: 4.125 (or) NA (or) Exempt
Interest Rate
79
Prepayment Penalty Term
Alphanumeric
Example: 24 (or) NA (or) Exempt
Prepayment Penalty Term
80
Debt-to-Income Ratio
Alphanumeric
Example: 42.95 (or) -42.95 (or) NA (or) Exempt
Debt-to-Income Ratio
81
Combined Loan-to-Value Ratio
Alphanumeric
Example: 80.05 (or) NA (or) Exempt
Combined Loan-to-Value Ratio
82
Loan Term
Alphanumeric
Example: 360 (or) NA (or) Exempt
Loan Term
83
Introductory Rate Period
Alphanumeric
Example: 24 (or) NA (or) Exempt
Introductory Rate Period
84
Balloon Payment
Numeric
1
2
1111
Descriptions:
1. Balloon payment
2. No balloon payment
1111. Exempt
Non-Amortizing Features
85
Interest-Only Payments
Numeric
1
2
1111
Descriptions:
1. Interest-only payments
2. No interest-only payments
1111. Exempt
Non-Amortizing Features
86
Negative Amortization
Numeric
1
2
1111
Descriptions:
1. Negative amortization
2. No negative amortization
1111. Exempt
Non-Amortizing Features
87
Other Non-Amortizing Features
Numeric
1
2
1111
Descriptions:
1. Other non-fully amortizing features
2. No other non-fully amortizing features
1111. Exempt
Non-Amortizing Features
88
Property Value
Alphanumeric
Example: 350500 (or) NA (or) Exempt
Property Value
89
Manufactured Home Secured Property Type
Numeric
1
2
3
1111
Descriptions:
1. Manufactured home and land
2. Manufactured home and not land
3. Not applicable
1111. Exempt
Manufactured Home Secured Property Type
90
Manufactured Home Land Property Interest
Numeric
1
2
3
4
5
1111
Descriptions:
1. Direct ownership
2. Indirect ownership
3. Paid leasehold
4. Unpaid leasehold
5. Not applicable
1111. Exempt
Manufactured Home Land Property Interest
91
Total Units
Numeric
Example: 5
Total Units
92
Multifamily Affordable Units
Alphanumeric
Example: 5 (or) NA (or) Exempt
Multifamily Affordable Units
93
Submission of Application
Numeric
1
2
3
1111
Descriptions:
1. Submitted directly to your institution
2. Not submitted directly to your institution
3. Not applicable
1111. Exempt
Application Channel
94
Initially Payable to Your Institution
Numeric
1
2
3
1111
Descriptions:
1. Initially payable to your institution
2. Not initially payable to your institution
3. Not applicable
1111. Exempt
Application Channel
95
Mortgage Loan Originator NMLSR Identifier
Alphanumeric
Example: 123450 (or) NA (or) Exempt
Mortgage Loan Originator NMLSR Identifier
96
Automated Underwriting System: 1
Numeric
1
2
3
4
5
6
7
1111
Descriptions:
1. Desktop Underwriter (DU)
2. Loan Prospector (LP) or Loan Product Advisor
3. Technology Open to Approved Lenders (TOTAL) Scorecard
4. Guaranteed Underwriting System (GUS)
5. Other
6. Not applicable
7. Internal Proprietary System
1111. Exempt
Automated Underwriting System
97
Automated Underwriting System: 2
Numeric
1
2
3
4
5
7
Descriptions:
1. Desktop Underwriter (DU)
2. Loan Prospector (LP) or Loan Product Advisor
3. Technology Open to Approved Lenders (TOTAL) Scorecard
4. Guaranteed Underwriting System (GUS)
5. Other
7. Internal Proprietary System If this data field does not contain an entry, leave it blank
Automated Underwriting System
98
Automated Underwriting System: 3
Numeric
1
2
3
4
5
7
Descriptions:
1. Desktop Underwriter (DU)
2. Loan Prospector (LP) or Loan Product Advisor
3. Technology Open to Approved Lenders (TOTAL) Scorecard
4. Guaranteed Underwriting System (GUS)
5. Other
7. Internal Proprietary System If this data field does not contain an entry, leave it blank
Automated Underwriting System
99
Automated Underwriting System: 4
Numeric
1
2
3
4
5
7
Descriptions:
1. Desktop Underwriter (DU)
2. Loan Prospector (LP) or Loan Product Advisor
3. Technology Open to Approved Lenders (TOTAL) Scorecard
4. Guaranteed Underwriting System (GUS)
5. Other
7. Internal Proprietary System If this data field does not contain an entry, leave it blank
Automated Underwriting System
100
Automated Underwriting System: 5
Numeric
1
2
3
4
5
7
Descriptions:
1. Desktop Underwriter (DU)
2. Loan Prospector (LP) or Loan Product Advisor
3. Technology Open to Approved Lenders (TOTAL) Scorecard
4. Guaranteed Underwriting System (GUS)
5. Other
7. Internal Proprietary System If this data field does not contain an entry, leave it blank
Automated Underwriting System
101
Automated Underwriting System: Conditional Free Form Text Field for Code 5
Alphanumeric; Width up to 255 characters
Specify in text the Other Automated Underwriting System(s) if 5 is entered. Otherwise, leave this data field blank.
Automated Underwriting System
102
Automated Underwriting System Result: 1
Numeric
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
1111
Descriptions:
1. Approve/Eligible
2. Approve/Ineligible
3. Refer/Eligible
4. Refer/Ineligible
5. Refer with Caution
6. Out of Scope
7. Error
8. Accept
9. Caution
10. Ineligible
11. Incomplete
12. Invalid
13. Refer
14. Eligible
15. Unable to Determine or Unknown
16. Other
17. Not applicable
18. Accept/Eligible
19. Accept/Ineligible
20. Accept/Unable to Determine
21. Refer with Caution/Eligible
22. Refer with Caution/Ineligible
23. Refer/Unable to Determine
24. Refer with Caution/Unable to Determine
1111. Exempt
Automated Underwriting System
103
Automated Underwriting System Result: 2
Numeric
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
18
19
20
21
22
23
24
Descriptions:
1. Approve/Eligible
2. Approve/Ineligible
3. Refer/Eligible
4. Refer/Ineligible
5. Refer with Caution
6. Out of Scope
7. Error
8. Accept
9. Caution
10. Ineligible
11. Incomplete
12. Invalid
13. Refer
14. Eligible
15. Unable to Determine or Unknown
16. Other
18. Accept/Eligible
19. Accept/Ineligible
20. Accept/Unable to Determine
21. Refer with Caution/Eligible
22. Refer with Caution/Ineligible
23. Refer/Unable to Determine
24. Refer with Caution/Unable to Determine If this data field does not contain an entry, leave it blank
Automated Underwriting System
104
Automated Underwriting System Result: 3
Numeric
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
18
19
20
21
22
23
24
Descriptions:
1. Approve/Eligible
2. Approve/Ineligible
3. Refer/Eligible
4. Refer/Ineligible
5. Refer with Caution
6. Out of Scope
7. Error
8. Accept
9. Caution
10. Ineligible
11. Incomplete
12. Invalid
13. Refer
14. Eligible
15. Unable to Determine or Unknown
16. Other
18. Accept/Eligible
19. Accept/Ineligible
20. Accept/Unable to Determine
21. Refer with Caution/Eligible
22. Refer with Caution/Ineligible
23. Refer/Unable to Determine
24. Refer with Caution/Unable to Determine If this data field does not contain an entry, leave it blank
Automated Underwriting System
105
Automated Underwriting System Result: 4
Numeric
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
18
19
20
21
22
23
24
Descriptions:
1. Approve/Eligible
2. Approve/Ineligible
3. Refer/Eligible
4. Refer/Ineligible
5. Refer with Caution
6. Out of Scope
7. Error
8. Accept
9. Caution
10. Ineligible
11. Incomplete
12. Invalid
13. Refer
14. Eligible
15. Unable to Determine or Unknown
16. Other
18. Accept/Eligible
19. Accept/Ineligible
20. Accept/Unable to Determine
21. Refer with Caution/Eligible
22. Refer with Caution/Ineligible
23. Refer/Unable to Determine
24. Refer with Caution/Unable to Determine If this data field does not contain an entry, leave it blank
Automated Underwriting System
106
Automated Underwriting System Result: 5
Numeric
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
18
19
20
21
22
23
24
Descriptions:
1. Approve/Eligible
2. Approve/Ineligible
3. Refer/Eligible
4. Refer/Ineligible
5. Refer with Caution
6. Out of Scope
7. Error
8. Accept
9. Caution
10. Ineligible
11. Incomplete
12. Invalid
13. Refer
14. Eligible
15. Unable to Determine or Unknown
16. Other
18. Accept/Eligible
19. Accept/Ineligible
20. Accept/Unable to Determine
21. Refer with Caution/Eligible
22. Refer with Caution/Ineligible
23. Refer/Unable to Determine
24. Refer with Caution/Unable to Determine If this data field does not contain an entry, leave it blank
Automated Underwriting System
107
Automated Underwriting System Result: Conditional Free Form Text Field for Code 16
Alphanumeric; Width up to 255 characters
Specify in text the Other Automated Underwriting System Result(s) if 16 is entered. Otherwise, leave this data field blank.
Automated Underwriting System
108
Reverse Mortgage
Numeric
1
2
1111
Descriptions:
1. Reverse mortgage
2. Not a reverse mortgage
1111. Exempt
Reverse Mortgage
109
Open-End Line of Credit
Numeric
1
2
1111
Descriptions:
1. Open-end line of credit
2. Not an open-end line of credit
1111. Exempt
Open-End Line of Credit
110
Business or Commercial Purpose
Numeric
1
2
1111
Descriptions:
1. Primarily for a business or commercial purpose
2. Not primarily for a business or commercial purpose
1111. Exempt
Business or Commercial Purpose

4. 2023 Data Specifications

4.1   Introduction

This section provides instructions on entering data in the loan/application register for HMDA data collected in 2023. This document is not a substitute for Regulation C. Refer to Regulation C for a complete explanation of the reporting requirement for each data field.

Data fields are presented in the order they are recorded in the loan/application register. Data fields are identified by the corresponding 2023 File Specifications table and data field number, followed by the Regulation C paragraph containing the relevant reporting requirements. For example, (1-2) Paragraph 5(a)(3)(i) refers to the data field listed in table 1, data field 2 in the 2023 File Specifications document, and the reporting requirement found at 12 CFR § 1003.5(a)(3)(i). The blue underlined words provide hyperlinks to the referenced Regulation C paragraph.

4.2   Data format and itemization

4.2.1   Filing institution, reporting period, and contact information

Please provide the following information regarding your institution in the format described in each paragraph below.

(1-2) Paragraph 5(a)(3)(i)—Financial Institution.

Enter the name of the financial institution that is submitting HMDA data.

Example: If the submission contains HMDA data for Ficus Bank, enter Ficus Bank.

(1-3 to 1-4) Paragraph 5(a)(3)(ii)—Calendar Year and Calendar Quarter.
  1. Calendar Year. Enter, in numeral form, the calendar year the data submission covers, using YYYY format.

Example: If the data covers calendar year 2023, enter 2023.

  1. Calendar Quarter. Indicate the calendar quarter the data submission covers by entering the applicable Code from the following:

Code 4—Annual submissions for covered loans and applications with respect to which final action was taken from January 1 (01/01) and December 31 (12/31)

a. Codes for individual calendar quarters (1-3) are used only by financial institutions required to report HMDA data quarterly effective January 1, 2020. Further instructions for reporting quarterly data can be found in the Supplemental Guide for Quarterly Filers.

(1-5 to 1-11) Paragraph 5(a)(3)(iii)—Contact Person.

Enter the name, telephone number, e-mail address, and office address of a person who may be contacted with questions about your institution's submission.

  1. Contact Person's Name.

Example: If the contact person's name is Erika Otis, enter Erika Otis.

  1. Contact Person's Telephone Number.

Example: If the phone number is (999) 999-9999, enter 999-999-9999.

  1. Contact Person's E-mail Address.

Example: If the e-mail address is erikaotis@bank.com, enter erikaotis@bank.com.

  1. Contact Person's Office Address. Enter the street address, city, state, and ZIP code.

Example:

Example Contact Address

a. Contact Person's Office Street Address. Enter the street address of the contact person's office as one (1) data field. U.S. Postal Service Publication 28, Sub-Sections 231–239 can be used as a guide for formatting the street address. Address components include, as applicable, the following individual items:

  • Primary Address Number
  • Predirectional
  • Street Name
  • Prefix
  • Suffix
  • Postdirectional
  • Secondary Address Identifier, such as suite
  • Secondary Address, such as suite number

Example:
4321 W Random Blvd Ste 201

Primary Address Number: "4321"
Predirectional: "W"
Street Name: "Random"
Suffix: "Blvd"
Secondary Address Identifier: "Ste"
Secondary Address: "201"

a. Contact Person's Office City. Enter the city of the contact person's office as one (1) data field.

b. Contact Person's Office State. Enter the two-letter state code of the contact person's office as one (1) data field.

c. Contact Person's Office ZIP Code. Enter the ZIP code of the contact person's office as one (1) data field.

d. Non-Standard Addressing. U.S. Postal Service Publication 28, Sub-Sections 24, 25, and 29, respectively, can be used as guides for formatting non-standard style addressing including rural route, Highway Contract Route, and Puerto Rico addresses.

e. The following address formats are generally not preferred:

  • General Delivery addresses, such as General Delivery, Anytown, CA 90049-9998.
  • Post Office Box addresses, such as P.O. Box 100 Anytown, CA 90049-9998.
  • Spelled-out numbers, such as Four Hundred Fifty Six W Somewhere Ave Apt Two Hundred One.
(1-12) Paragraph 5(a)(3)(iv)—Federal Agency.

Indicate your financial institution's appropriate Federal agency by entering the applicable Code from the following:

Code 1—Office of the Comptroller of the Currency (OCC)

Code 2—Federal Reserve System (FRS)

Code 3—Federal Deposit Insurance Corporation (FDIC)

Code 5—National Credit Union Administration (NCUA)

Code 7—United States Department of Housing and Urban Development (HUD)

Code 9—Consumer Financial Protection Bureau (Bureau)

(1-13) Paragraph 5(a)(3)(v)—Total Number of Entries Contained in Submission.

Enter, in numeral form, the total number of entries contained in the submission.

Example: If your institution is submitting 5,000 entries, enter 5000.

(1-14) Paragraph 5(a)(3)(vi)—Federal Taxpayer Identification Number.

Enter your financial institution's Federal Taxpayer Identification Number.

Example: If your institution's Federal Taxpayer Identification number is 99-9999999, enter 99-9999999.

(1-15 and 2-2)Paragraph 5(a)(3)(vii)—Legal Entity Identifier (LEI).

Enter your financial institution's LEI as defined in Paragraph 4(a)(1)(i)(A).

Example: If your institution's LEI is 10BX939C5543TQA1144M, enter 10BX939C5543TQA1144M.

4.2.2   Loan/Application Register

Please provide the following data fields for each application for a covered loan your institution receives, each covered loan that your institution originates, and each covered loan that your institution purchases in the format described in each paragraph below.

(2-3) Paragraph 4(a)(1)(i)—Universal Loan Identifier (ULI) or Non-Universal Loan Identifier (NULI)

Enter the ULI assigned to the covered loan or application. Your financial institution shall assign and report a ULI that:

  1. Begins with the financial institution's Legal Entity Identifier as defined in Paragraph 4(a)(1)(i)(A).

  2. Follows the Legal Entity Identifier with up to 23 additional characters to identify the covered loan or application, which:

  • May be letters, numerals, or a combination of letters and numerals;
  • Must be unique within the financial institution; and
  • Must not include any information that could be used to directly identify the applicant or borrower.
  1. Ends with a two-character check digit that is calculated using the ISO/IEC 7064, MOD 97-10 as it appears on the International Standard ISO/IEC 7064:2003, which is published by the International Organization for Standardization (ISO). A check digit can be generated by:
  • Applying the procedures provided in Appendix C to Regulation C.

Example:

Example ULI

  1. If, pursuant to the 2018 HMDA Rule, your institution is not reporting ULI, enter a NULI assigned to the covered loan or application. Your financial institution shall assign and report an identifier that:
  • Is composed of up to 22 characters;
  • May be letters, numerals, or a combination of letters and numerals;
  • Must be unique within the insured depository institution or insured credit union; and
  • Must not include any information that could be used to directly identify the applicant or borrower.
(2-4) Paragraph 4(a)(1)(ii)—Application Date.

Enter, in numeral form, the date the application was received or the date shown on the application form by year, month, and day, using YYYYMMDD format.

Example: If the application was received on July 21, 2023, enter 20230721.

a. Enter "NA" if the requirement to report application date is not applicable to the covered loan or application that your institution is reporting.

(2-5)Paragraph 4(a)(2)—Loan Type.

Indicate the type of covered loan or application by entering the applicable Code from the following:

Code 1—Conventional (not insured or guaranteed by FHA, VA, RHS, or FSA)

Code 2—Federal Housing Administration insured (FHA)

Code 3—Veterans Affairs guaranteed (VA)

Code 4—USDA Rural Housing Service or Farm Service Agency guaranteed (RHS or FSA)

(2-6) Paragraph 4(a)(3)—Loan Purpose.

Indicate the purpose of the covered loan or application by entering the applicable Code from the following:

Code 1—Home purchase

Code 2—Home improvement

Code 31—Refinancing

Code 32—Cash-out refinancing

Code 4—Other purpose

Code 5—Not applicable

(2-7) Paragraph 4(a)(4)—Preapproval.

Indicate whether the covered loan or application involved a request for a preapproval of a home purchase loan under a preapproval program by entering the applicable Code from the following:

Code 1—Preapproval requested

Code 2—Preapproval not requested

(2-8) Paragraph 4(a)(5)—Construction Method.

Indicate the construction method for the dwelling by entering the applicable Code from the following:

Code 1—Site-built

Code 2—Manufactured home

(2-9) Paragraph 4(a)(6)—Occupancy Type.

Indicate the occupancy type by entering the applicable Code from the following:

Code 1—Principal residence

Code 2—Second residence

Code 3—Investment property

(2-10) Paragraph 4(a)(7)—Loan Amount.

Enter, in dollars, the amount of the covered loan, or the amount applied for, as applicable.

Example: If the loan amount is $110,500, enter 110500 or 110500.00. If the loan amount is $110,500.24, enter 110500.24.

(2-11) Paragraph 4(a)(8)(i)—Action Taken.

Indicate the action taken on the covered loan or application by entering the applicable Code from the following:

Code 1—Loan originated

Code 2—Application approved but not accepted

Code 3—Application denied

Code 4—Application withdrawn by applicant

Code 5—File closed for incompleteness

Code 6—Purchased loan

Code 7—Preapproval request denied

Code 8—Preapproval request approved but not accepted

(2-12) Paragraph 4(a)(8)(ii)—Action Taken Date.

Enter, in numeral form, the date of action taken by year, month, and day, using YYYYMMDD format.

Example: If the action taken date is July 21, 2023, enter 20230721.

(2-13 to 2-18) Paragraph 4(a)(9)—Location of Property Securing (or Proposed to Secure) the Covered Loan.

Enter the location of the property securing the covered loan or, in the case of an application, proposed to secure the covered loan.

Property Address Securing (or Proposed to Secure) the Covered Loan.

Example:

Example Property Address

  1. Street Address. Enter the street address of the property as one (1) data field. U.S. Postal Service Publication 28, Sub-Sections 231–239, can be used as a guide for formatting the street address to help improve geocoding accuracy. Address components include, as applicable, the following individual items:
  • Primary Address Number
  • Predirectional
  • Street Name
  • Prefix
  • Suffix
  • Postdirectional
  • Secondary Address Identifier, such as apartment
  • Secondary Address, such as apartment number

Example:

456 W Somewhere Ave Apt 201

Primary Address Number: "456" Predirectional: "W" Street Name: "Somewhere" Suffix: "Ave" Secondary Address Identifier: "Apt" Secondary Address: "201"

  1. City. Enter the city of the property as one (1) data field.

  2. State. Enter the two-letter state code of the property as one (1) data field.

  3. ZIP Code. Enter the ZIP code of the property as one (1) data field.

a. Non-Standard Addressing. U.S. Postal Service Publication 28, Sub-Section 24, 25, and 29, respectively, can be used as guides for formatting non-standard style addressing including rural route, Highway Contract Route, and Puerto Rico addresses to increase the accuracy for geocoding.

b. The following address formats are generally not preferred:

General Delivery addresses, such as General Delivery, Anytown, CA 90049-9998.

Post Office Box addresses, such as P.O. Box 100 Anytown, CA 90049-9998.

Spelled-out numbers, such as Four Hundred Fifty Six W Somewhere Ave Apt Two Hundred One.

c. Enter "NA" in each of the property address fields if the requirement to report property address is not applicable to the covered loan or application that your institution is reporting.

d. Enter "Exempt" in the Street Address, City and Zip Code fields if, pursuant to the 2018 HMDA Rule, your institution is not reporting Property Address.

County and Census Tract.

  1. County. Enter the five-digit Federal Information Processing Standards (FIPS) numerical code for the county. Do not use commas.

Example: Enter 06037 for the FIPS code for Los Angeles County, CA.

a. Enter "NA" if the requirement to report county is not applicable to the covered loan or application that your institution is reporting.

  1. Census Tract. Enter the 11-digit census tract number as defined by the U.S. Census Bureau. Do not use decimals.

Example: Enter 06037264000 for a census tract within Los Angeles County, CA.

a. Enter "NA" if the requirement to report census tract is not applicable to the covered loan or application that your institution is reporting.

(2-19 to 2-57)Paragraph 4(a)(10)—Applicant or Borrower Information.

Appendix B to Regulation C contains instructions for the collection of data on ethnicity, race, and sex, and contains a sample data-collection form.

Paragraph 4(a)(10)(i)—Ethnicity, Race, and Sex.

Ethnicity of Applicant or Borrower.

  1. Ethnicity of Applicant or Borrower. Indicate the ethnicity of the applicant or borrower, or of the first co-applicant or co-borrower, as applicable, by entering up to five (5) of the applicable Codes from the following:

Code 1—Hispanic or Latino

Code 11—Mexican

Code 12—Puerto Rican

Code 13—Cuban

Code 14—Other Hispanic or Latino

Code 2—Not Hispanic or Latino

Code 3—Information not provided by applicant in mail, internet, or telephone application

Code 4—Not applicable

Code 5—No co-applicant

a. Do not enter the same code more than once for the applicant or borrower, or any co-applicant or co-borrower, as applicable, for any covered loan or application.

b. Use Code 3 if the applicant or borrower, or co-applicant or co-borrower, does not provide the information in an application taken by mail, internet, or telephone. Leave the remaining Ethnicity of Applicant or Borrower data fields blank.

c. Use Code 4 if the requirement to report the applicant's or borrower's ethnicity does not apply to the covered loan or application that your institution is reporting. Leave the remaining Ethnicity of Applicant or Borrower data fields blank.

d. Use Code 5 in the co-applicant field if there are no co-applicants or co-borrowers. Leave the remaining Ethnicity of Applicant or Borrower data fields blank.

i. If there is more than one co-applicant or co-borrower, provide the required information only for the first co-applicant or co-borrower listed on the collection form.

e. If fewer than five (5) ethnicities are provided by the applicant or borrower, or by any co-applicant or co-borrower, leave the remaining Ethnicity of Applicant or Borrower data fields blank.

f. If the applicant or borrower, or any co-applicant or co-borrower, did not select Code 14, but provided another Hispanic or Latino ethnicity(ies) in the Ethnicity Free Form Text Field for Other Hispanic or Latino, your institution is permitted, but not required, to report Code 14 in one of the Ethnicity of Applicant or Borrower data fields. This will be counted as one of the five (5) reported ethnicities, whether or not you also choose to report Code 14 as one of the Ethnicity of Applicant or Borrower, or Ethnicity of Co-Applicant or Co-Borrower, data fields.

  1. Ethnicity Free Form Text Field for Other Hispanic or Latino. Enter the specific other Hispanic or Latino ethnicity(ies) not listed above, if provided by the applicant or borrower, or by any co-applicant or co-borrower, as applicable. For example, enter Argentinean, Colombian, Dominican, Nicaraguan, Salvadoran, or Spaniard, and so on, if provided by the applicant or borrower, or by any co-applicant or co-borrower, as applicable. Enter more than one other Hispanic or Latino ethnicity, if provided by the applicant or borrower, or by any co-applicant or co-borrower, as applicable. The maximum number of characters for this field is 100 characters, including spaces. If the applicant or borrower, or any co-applicant or co-borrower, did not provide another Hispanic or Latino ethnicity(ies), leave this field blank.

  2. Ethnicity Collected on the Basis of Visual Observation or Surname. Indicate whether the ethnicity of the applicant or borrower, or of the first co-applicant or co-borrower, as applicable, was collected on the basis of visual observation or surname by entering the applicable Code from the following:

Code 1—Collected on the basis of visual observation or surname

Code 2—Not collected on the basis of visual observation or surname

Code 3—Not applicable

Code 4—No co-applicant

a. Use Code 3 if the requirement to report the applicant's or borrower's ethnicity does not apply to the covered loan or application that your institution is reporting.

b. Use Code 3 if the financial institution received the application prior to January 1st, 2018, and the financial institution chooses not to report whether the ethnicity of the applicant or borrower, or of the first co-applicant or co-borrower, as applicable, was collected on the basis of visual observation or surname.

c. Use Code 4 in the co-applicant field if there are no co-applicants or co-borrowers.

i. If there is more than one co-applicant or co-borrower, provide the required information only for the first co-applicant or co-borrower listed on the collection form.

Race of Applicant or Borrower.

  1. Race of Applicant or Borrower. Indicate the race of the applicant or borrower, or of the first co-applicant or co-borrower, as applicable, by entering up to five (5) of the applicable Codes from the following:

Code 1—American Indian or Alaska Native

Code 2—Asian

Code 21—Asian Indian

Code 22—Chinese

Code 23—Filipino

Code 24—Japanese

Code 25—Korean

Code 26—Vietnamese

Code 27—Other Asian

Code 3—Black or African American

Code 4—Native Hawaiian or Other Pacific Islander

Code 41—Native Hawaiian

Code 42—Guamanian or Chamorro

Code 43—Samoan

Code 44—Other Pacific Islander

Code 5—White

Code 6—Information not provided by applicant in mail, internet, or telephone application

Code 7—Not applicable

Code 8—No co-applicant

a. Do not enter the same code more than once for the applicant or borrower, or any co-applicant or co-borrower, as applicable, for any covered loan or application.

b. Use Code 6 if the applicant or borrower, or co-applicant or co-borrower, does not provide the information in an application taken by mail, internet, or telephone. Leave the remaining Race of Applicant or Borrower data fields blank.

c. Use Code 7 if the requirement to report the applicant's or borrower's race does not apply to the covered loan or application that your institution is reporting. Leave the remaining Race of Applicant or Borrower data fields blank.

d. Use Code 8 in the co-applicant field if there are no co-applicants or co-borrowers. Leave the remaining Race of Applicant or Borrower data fields blank.

i. If there is more than one co-applicant or co-borrower, provide the required information only for the first co-applicant or co-borrower listed on the collection form.

e. If fewer than five (5) races are provided by the applicant or borrower, or by any co-applicant or co-borrower, leave the remaining Race of Applicant or Borrower data fields blank.

f. If the applicant or borrower, or any co-applicant or co-borrower, did not select Code(s) 1, 27, or 44, but provided the name of the applicant's or borrower's American Indian or Alaska Native Enrolled or Principal Tribe(s) in the Race Free Form Text Field for American Indian or Alaska Native Enrolled or Principal Tribe, other Asian race(s) in the Race Free Form Text Field for Other Asian, or Other Pacific Islander race(s) in the Race Free Form Text Field for Other Pacific Islander, your institution is permitted, but not required, to report Code 1, Code 27, or Code 44, as applicable, in one of the Race of Applicant or Borrower data fields. Each reported race will be counted as one of the five (5) reported races, whether or not you also choose to report Code 1, Code 27, or Code 44, as applicable as one of the Race of Applicant or Borrower, or Race of Co-Applicant or Co-Borrower, data fields.

  1. Race Free Form Text Field for American Indian or Alaska Native Enrolled or Principal Tribe. Enter the name of the applicant's or borrower's American Indian or Alaska Native Enrolled or Principal Tribe(s), if provided by the applicant or borrower, or by any co-applicant or co-borrower, as applicable. For example, enter Navajo if provided by the applicant or borrower, or by any co-applicant or co-borrower, as applicable. Enter more than one American Indian or Alaska Native Enrolled or Principal Tribe, if provided by the applicant or borrower, or by any co-applicant or co-borrower, as applicable. The maximum number of characters for this field is 100 characters, including spaces. If the applicant or borrower, or any co-applicant or co-borrower did not provide an American Indian or Alaska Native Enrolled or Principal Tribe(s), leave this field blank.

  2. Race Free Form Text Field for Other Asian. Enter the specific Other Asian race(s) not listed above, if provided by the applicant or borrower, or by any co-applicant or co-borrower, as applicable. For example, enter Hmong, Laotian, Thai, Pakistani, or Cambodian, and so on, if provided by the applicant or borrower, or by any co-applicant or co-borrower, as applicable. Enter more than one other Asian race, if provided by the applicant or borrower, or by any co-applicant or co-borrower, as applicable. The maximum number of characters for this field is 100 characters, including spaces. If the applicant or borrower, or any co-applicant or co-borrower, did not provide an Other Asian race(s), leave this field blank.

  3. Race Free Form Text Field for Other Pacific Islander. Enter the specific Other Pacific Islander race(s) not listed above, if provided by the applicant or borrower, or by any co-applicant or co-borrower, as applicable. For example, enter Fijian, or Tongan, and so on, if provided by the applicant or borrower, or by any co-applicant or co-borrower, as applicable. Enter more than one Other Pacific Islander race, if provided by the applicant or borrower, or by any co-applicant or co-borrower, as applicable. The maximum number of characters for this field is 100 characters, including spaces. If the applicant or borrower, or any co-applicant or co-borrower, did not provide an Other Pacific Islander race(s), leave this field blank.

  4. Race Collected on the Basis of Visual Observation or Surname. Indicate whether the race of the applicant or borrower, or of the first co-applicant or co-borrower, as applicable, was collected on the basis of visual observation or surname by entering the applicable Code from the following:

Code 1—Collected on the basis of visual observation or surname

Code 2—Not collected on the basis of visual observation or surname

Code 3—Not applicable

Code 4—No co-applicant

a. Use Code 3 if the requirement to report the applicant's or borrower's race does not apply to the covered loan or application that your institution is reporting.

b. Use Code 3 if the financial institution received the application prior to January 1st, 2018, and the financial institution chooses not to report whether the race of the applicant or borrower, or of the first co-applicant or co-borrower, as applicable, was collected on the basis of visual observation or surname.

c. Use Code 4 in the co-applicant field if there are no co-applicants or co-borrowers.

i. If there is more than one co-applicant or co-borrower, provide the required information only for the first co-applicant or co-borrower listed on the collection form.

Sex of Applicant or Borrower.

  1. Sex of Applicant or Borrower. Indicate the sex of the applicant or borrower, or of the first co-applicant or co-borrower, as applicable, by entering the appropriate Code from the following:

Code 1—Male

Code 2—Female

Code 3—Information not provided by applicant in mail, internet, or telephone application

Code 4—Not applicable

Code 5—No co-applicant

Code 6—Applicant selected both male and female

a. Use Code 3 if the applicant or co-applicant does not provide the information in an application taken by mail, internet, or telephone.

b. Use Code 4 if the requirement to report the applicant's or borrower's sex does not apply to the covered loan or application that your institution is reporting.

c. Use Code 5 in the co-applicant field if there are no co-applicants or co-borrowers.

i. If there is more than one co-applicant or co-borrower, provide the required information only for the first co-applicant or co-borrower listed on the collection form.

d. Use Code 6 if the applicant or co-applicant selected both male and female.

  1. Sex Collected on the Basis of Visual Observation or Surname. Indicate whether the sex of the applicant or borrower, or of the first co-applicant or co-borrower, as applicable, was collected on the basis of visual observation or surname by entering the applicable Code from the following:

Code 1—Collected on the basis of visual observation or surname

Code 2—Not collected on the basis of visual observation or surname

Code 3—Not applicable

Code 4—No co-applicant

a. Use Code 3 if the requirement to report the applicant's or borrower's sex does not apply to the covered loan or application that your institution is reporting.

b. Use Code 3 if the financial institution received the application prior to January 1st, 2018, and the financial institution chooses not to report whether the sex of the applicant or borrower, or of the first co-applicant or co-borrower, as applicable, was collected on the basis of visual observation or surname.

c. Use Code 4 in the co-applicant field if there are no co-applicants or co-borrowers.

i. If there is more than one co-applicant or co-borrower, provide the required information only for the first co-applicant or co-borrower listed on the collection form.

Paragraph 4(a)(10)(ii)—Age of Applicant or Borrower.

Enter, in numeral form, the age, in years, of the applicant or borrower, or of the first co-applicant or co-borrower, as applicable. Age is calculated, as of the application date, as the number of whole years derived from the date of birth shown on the application form. Or enter the applicable Code from the following:

Code 8888—Not applicable

Code 9999—No co-applicant

Example: If the applicant or borrower is 24 years old, enter 24.

a. Use Code 8888 if the requirement to report the applicant's or borrower's age does not apply to the covered loan or application that your institution is reporting.

b. Use Code 9999 in the co-applicant field if there are no co-applicants or co-borrowers.

i. If there is more than one co-applicant or co-borrower, provide the required information only for the first co-applicant or co-borrower listed on the collection form.

Paragraph 4(a)(10)(iii)—Income.

Enter, in dollars, rounded to the nearest thousand, the gross annual income relied on in making the credit decision, or if a credit decision was not made, the gross annual income relied on in processing the application (round $500 up to the next $1,000). The HMDA Platform can accept negative numbers for Income.

Example: If the income amount is $35,500, enter 36. If the income amount is $50,000, enter 50.

a. Enter "NA" if the requirement to report gross annual income does not apply to the covered loan or application that your institution is reporting.

(2-58)Paragraph 4(a)(11)—Type of Purchaser.

Indicate the type of entity purchasing a covered loan from your institution within the same calendar year that your institution originated or purchased the loan by entering the applicable Code from the following:

Code 0—Not applicable

Code 1—Fannie Mae

Code 2—Ginnie Mae

Code 3—Freddie Mac

Code 4—Farmer Mac

Code 5—Private securitizer

Code 6—Commercial bank, savings bank, or savings association

Code 71—Credit union, mortgage company, or finance company

Code 72—Life insurance company

Code 8—Affiliate institution

Code 9—Other type of purchaser

a. Use Code 0 if the requirement to report the type of purchaser does not apply to the covered loan that your institution is reporting.

(2-59)Paragraph 4(a)(12)—Rate Spread.

Enter, as a percentage, to at least three (3) decimal places, the difference between the covered loan's annual percentage rate (APR) and the average prime offer rate (APOR) for a comparable transaction as of the date the interest rate is set. Numbers calculated to beyond three (3) decimal places may either be reported beyond three (3) decimal places, up to 15 decimal places, or rounded or truncated to three (3) decimal places. Decimal place trailing zeros may either be included or omitted. The HMDA Platform can accept negative numbers for Rate Spread.

a. If the APR exceeds the APOR, enter a positive number.

Example:

If the APR is 3.678% and the APOR is 3.25%, enter 0.428.

If the APR is 4.560% and the APOR is 4.25%, enter either 0.31 or 0.310

b. If the APR is less than the APOR, enter a negative number.

Example:

If the APR 3.1235% and the APOR is 3.25%, enter -0.1265. Alternatively, the rate spread may be truncated to -0.126 or rounded to -0.127.

c. Enter "NA" if the requirement to report rate spread does not apply to the covered loan or application that your institution is reporting.

d. Enter "Exempt" if, pursuant to the 2018 HMDA Rule, your institution is not reporting Rate Spread.

(2-60)Paragraph 4(a)(13)—HOEPA Status.

Indicate whether the covered loan is a high-cost mortgage under Regulation Z, 12 CFR 1026.32(a) by entering the applicable Code from the following:

Code 1—High-cost mortgage

Code 2—Not a high-cost mortgage

Code 3—Not applicable

a. Use Code 3 if the requirement to report HOEPA status does not apply to the covered loan that your institution is reporting.

(2-61)Paragraph 4(a)(14)—Lien Status.

Indicate the lien status of the property securing the covered loan, or in the case of an application, proposed to secure the covered loan, by entering the applicable Code from the following:

Code 1—Secured by a first lien

Code 2—Secured by a subordinate lien

(2-62 to 2-67)Paragraph 4(a)(15)—Credit Score of Applicant or Borrower.
  1. Credit Score of Applicant or Borrower. Enter, in numeral form, the credit score, or scores relied on in making the credit decision for the applicant or borrower, or of the first co-applicant or co-borrower, as applicable. If Regulation C requires your institution to report a single score that corresponds to multiple applicants or borrowers, report the score in either the applicant field or the co-applicant field. Or, enter the applicable Code from the following:

Code 7777—Credit score is not a number

Code 8888—Not applicable

Code 9999—No co-applicant

Code 1111—Exempt

Example: If the credit score is 650, enter 650.

a. Use Code 8888 if the requirement to report the credit score does not apply to the covered loan or application that your institution is reporting.

i. If Regulation C requires your institution to report a single score for a covered loan or application involving multiple applicants or borrowers, either report the credit score in the applicant field and use Code 8888 in the co-applicant field or report the credit score in the co-applicant field and use Code 8888 in the applicant field.

b. Use Code 9999 in the co-applicant field if there are no co-applicants or co-borrowers.

c. Use Code 7777 if your institution relied on a credit score that is not a number (e.g., a credit score of "Meets Threshold"). Code 7777 should not be used if a credit scoring model that produces numeric credit scores returns a result stating that the credit score could not be determined.

d. Enter "1111" if, pursuant to the 2018 HMDA Rule, your institution is not reporting Credit Score.

  1. Name and Version of Credit Scoring Model. Indicate the name and version of the credit scoring model used to generate the credit score, or scores, relied on in making the credit decision by entering the applicable Code from the following:

Code 1—Equifax Beacon 5.0

Code 2—Experian Fair Isaac Risk Model v2

Code 3—TransUnion FICO Risk Score Classic 04

Code 4—TransUnion FICO Risk Score Classic 98

Code 5—VantageScore 2.0

Code 6—VantageScore 3.0

Code 7—More than one credit scoring model

Code 8—Other credit scoring model

Code 9—Not applicable

Code 10—No co-applicant

Code 11—FICO Score 9

Code 1111—Exempt

a. Use Code 1 for Equifax Beacon 5.0, which may also be known as FICO Score 5.

b. Use Code 2 for Experian Fair/Isaac Risk Model v2, which may also be known as FICO Score 2 or FICO Classic v2.

c. Use Code 3 for TransUnion FICO Risk Score Classic 04, which may also be known as FICO Score 4 or TU-04.

d. Use Code 4 for TransUnion FICO Risk Score Classic 98, which may also be known as FICO 98 or TU-98.

e. Use Code 9 if the requirement to report the name and version of the credit scoring model does not apply to the covered loan or application that your institution is reporting.

i. If Regulation C requires your institution to report a single score for a covered loan or application involving multiple applicants or borrowers, either report the name and version of the credit scoring model, or that multiple credit scoring models were used, in the applicant field, and use Code 9 in the co-applicant field; or report the name and version of the credit scoring model, or that multiple credit scoring models were used, in the co-applicant field and use Code 9 in the applicant field.

f. Use Code 10 in the co-applicant field if there are no co-applicants or co-borrowers.

g. Use Code 11 for FICO Score 9, which also may be known as FICO 9.

h. Use Code 1111 if, pursuant to the 2018 HMDA Rule, your institution is not reporting Credit Score.

  1. Name and Version of Credit Scoring Model Conditional Free Form Text Field for Code 8. If Code 8 is selected in the Name and Version of Credit Scoring Model Field, enter the specific other credit scoring model that is not listed above. The maximum number of characters for this field is 100 characters, including spaces. If 8 is not entered, leave this field blank.
(2-68 to 2-72) Paragraph 4(a)(16)—Reason for Denial.
  1. Reason for Denial. Indicate the principal reason, or reasons, for denial by entering up to four (4) applicable Codes from the following:

Code 1—Debt-to-income ratio

Code 2—Employment history

Code 3—Credit history

Code 4—Collateral

Code 5—Insufficient cash (downpayment, closing costs)

Code 6—Unverifiable information

Code 7—Credit application incomplete

Code 8—Mortgage insurance denied

Code 9—Other

Code 10—Not applicable

Code 1111—Exempt

a. Do not enter the same code more than once for any covered loan or application.

b. Use Code 10 if the requirement to report reasons for denial does not apply to the covered loan or application that your institution is reporting. Leave the remaining Reason for Denial data fields blank.

c. Use Code 1111 if, pursuant to the 2018 HMDA Rule, your institution is not reporting Reason for Denial. Leave the remaining Reason for Denial data fields blank.

d. If there are fewer than four principal (4) reasons for denial, leave the remaining Reason for Denial data fields blank.

e. If your institution uses the model form contained in Appendix C to Regulation B, 12 CFR part 1002 (Form C–1, Sample Notice of Action Taken and Statement of Reasons), use the foregoing Codes as follows:

Code 1—Income insufficient for amount of credit requested, and Excessive obligations in relation to income

Code 2—Temporary or irregular employment, and Length of employment

Code 3—Insufficient number of credit references provided; Unacceptable type of credit references provided; No credit file; Limited credit experience; Poor credit performance with us; Delinquent past or present credit obligations with others; Number of recent inquiries on credit bureau report; Garnishment, attachment, foreclosure, repossession, collection action, or judgment; and Bankruptcy

Code 4—Value or type of collateral not sufficient

Code 6—Unable to verify credit references; Unable to verify employment; Unable to verify income; and Unable to verify residence

Code 7—Credit application incomplete

Code 9—Length of residence; Temporary residence; and Other reasons specified on the adverse action notice.

  1. Reason for Denial Conditional Free Form Text Field for Code 9. If Code 9 is selected in any Reason for Denial field, enter the specific other reason(s) for denial not listed above. The maximum number of characters for this field is 255 characters, including spaces. If 9 is not entered, leave this field blank.
(2-73 to 2-74)Paragraph 4(a)(17)—Total Loan Costs or Total Points and Fees.

Enter either Total Loan Costs or Total Points and Fees or indicate that neither reporting requirement applies by entering "NA" for both.

Paragraph 4(a)(17)(i)—Total Loan Costs.

Enter, in dollars, the amount of total loan costs. If the amount is zero, enter 0.

Example: If the total loan costs are $2,399.04, enter 2399.04.

a. Enter "NA" if the requirement to report total loan costs does not apply to the covered loan or application that your institution is reporting.

b. Enter "Exempt" if, pursuant to the 2018 HMDA Rule, your institution is not reporting Total Loan Costs or Total Points and Fees.

Paragraph 4(a)(17)(ii)—Total Points and Fees.

Enter, in dollars, the total points and fees charged in connection with the covered loan. If the amount is zero, enter 0.

Example: If the total points and fees are $2,399.04, enter 2399.04.

c. Enter "NA" if the requirement to report total points and fees does not apply to the covered loan or application that your institution is reporting.

d. Enter "Exempt" if, pursuant to the 2018 HMDA Rule, your institution is not reporting Total Loan Costs or Total Points and Fees.

(2-75)Paragraph 4(a)(18)—Origination Charges.

Enter, in dollars, the total of all itemized amounts that are designated borrower-paid at or before closing. If the total is zero, enter 0.

Example: If the origination charges are $2,399.04, enter 2399.04.

a. Enter "NA" if the requirement to report origination charges does not apply to the covered loan or application that your institution is reporting. b. Enter "Exempt" if, pursuant to the 2018 HMDA Rule, your institution is not reporting Total Loan Costs or Total Points and Fees.

(2-76)Paragraph 4(a)(19)—Discount Points.

Enter, in dollars, the points paid to the creditor to reduce the interest rate. If no points were paid, leave this field blank.

Example: If the amount paid for discount points is $2,399.04, enter 2399.04.

a. Enter "NA" if the requirement to report discount points does not apply to the covered loan or application that your institution is reporting.

b. Enter "Exempt" if, pursuant to the 2018 HMDA Rule, your institution is not reporting Discount Points.

(2-77)Paragraph 4(a)(20)—Lender Credits.

Enter, in dollars, the amount of lender credits. If no lender credits were provided, leave this field blank.

Example: If the amount is $1500.24, enter 1500.24.

a. Enter "NA" if the requirement to report lender credits does not apply to the covered loan or application that your institution is reporting.

b. Enter "Exempt" if, pursuant to the 2018 HMDA Rule, your institution is not reporting Lender Credits.

(2-78)Paragraph 4(a)(21)—Interest Rate.

Enter, as a percentage, to at least three (3) decimal places, the interest rate. Numbers calculated to beyond three (3) decimal places may either be reported beyond three (3) decimal places or rounded or truncated to three (3) decimal places. Decimal place trailing zeros may either be included or omitted. The HMDA Platform can accept up to 15 decimal places for the Interest Rate.

Example: If the interest rate is 4.125%, enter 4.125.

If the interest rate is exactly 4.500%, enter 4.5, 4.50, or 4.500.

a. Enter "NA" if the requirement to report interest rate does not apply to the covered loan or application that your institution is reporting.

b. Enter "Exempt" if, pursuant to the 2018 HMDA Rule, your institution is not reporting Interest Rate.

c. Enter 0 if the interest rate is 0.

(2-79)Paragraph 4(a)(22)—Prepayment Penalty Term.

Enter, in numeral form, the term, in months, of any prepayment penalty.

Example: If a prepayment penalty may be imposed within the first 24 months after closing or account opening, enter 24.

a. Enter "NA" if the requirement to report prepayment penalty term does not apply to the covered loan or application that your institution is reporting.

b. Enter "Exempt" if, pursuant to the 2018 HMDA Rule, your institution is not reporting Prepayment Penalty Term.

(2-80)Paragraph 4(a)(23)—Debt-to-Income Ratio.

Enter, as a percentage, the ratio of the applicant's or borrower's total monthly debt to the total monthly income relied on in making the credit decision. Use decimal places only if the ratio relied upon uses decimal places. The HMDA Platform can accept up to 15 decimal places and can accept negative numbers for Debt-to-Income Ratio.

Example: If the relied upon debt-to-income ratio is 42.95, enter 42.95, and not 43.

If, however, your institution rounded the ratio up to 43% and relied on the rounded-up number, enter 43.

a. Enter "NA" if the requirement to report debt-to-income ratio does not apply to the covered loan or application that your institution is reporting. b. Enter "Exempt" if, pursuant to the 2018 HMDA Rule, your institution is not reporting Debt-to-Income Ratio.

(2-81)Paragraph 4(a)(24)—Combined Loan-to-Value Ratio.

Enter, as a percentage, the ratio of the total amount of debt secured by the property to the value of the property relied on in making the credit decision. Use decimal places only if the ratio relied upon uses decimal places. The HMDA Platform can accept up to 15 decimal places for the Combined Loan-to-Value Ratio.

Example: If the relied upon combined loan-to-value ratio is 80.05, enter 80.05, and not 80.

If, however, your institution rounded the ratio down to 80 and relied on the rounded-down number, enter 80.

a. Enter "NA" if the requirement to report combined loan-to-value ratio does not apply to the covered loan or application that your institution is reporting.

b. Enter "Exempt" if, pursuant to the 2018 HMDA Rule, your institution is not reporting Combined Loan-to-Value Ratio.

(2-82)Paragraph 4(a)(25)—Loan Term.

Enter, in numeral form, the number of months after which the legal obligation will mature or terminate, or would have matured or terminated.

Example: If the loan term is 360 months, enter 360.

a. Enter "NA" if the requirement to report loan term does not apply to the covered loan or application that your institution is reporting.

b. Enter "Exempt" if, pursuant to the 2018 HMDA Rule, your institution is not reporting Loan Term.

(2-83)Paragraph 4(a)(26)—Introductory Rate Period.

Enter, in numeral form, the number of months, or proposed number of months in the case of an application, until the first date the interest rate may change after closing or account opening.

Example: If the introductory rate period is 24 months, enter 24.

a. Enter "NA" if the requirement to report introductory rate period does not apply to the covered loan or application that your institution is reporting.

b. Enter "Exempt" if, pursuant to the 2018 HMDA Rule, your institution is not reporting Introductory Rate Period.

(2-84)Paragraph 4(a)(27)(i)—Balloon Payment.

Indicate whether the contractual terms include, or would have included, a balloon payment by entering the applicable Code from the following:

Code 1—Balloon payment

Code 2—No balloon payment

Code 1111—Exempt

Use Code 1111 if, pursuant to the 2018 HMDA Rule, your institution is not reporting Balloon Payment.

(2-85) Paragraph 4(a)(27)(ii)—Interest-Only Payments.

Indicate whether the contractual terms include, or would have included, interest-only payments by entering the applicable Code from the following:

Code 1—Interest-only payments

Code 2—No interest-only payments

Code 1111—Exempt

Use Code 1111 if, pursuant to the 2018 HMDA Rule, your institution is not reporting Interest-Only Payments.

(2-86) Paragraph 4(a)(27)(iii)—Negative Amortization.

Indicate whether the contractual terms include, or would have included, a term that would cause the covered loan to be a negative amortization loan by entering the applicable Code from the following:

Code 1111—Exempt

Code 1—Negative amortization

Code 2—No negative amortization

Use Code 1111 if, pursuant to the 2018 HMDA Rule, your institution is not reporting Negative Amortization.

(2-87)Paragraph 4(a)(27)(iv)—Other Non-Amortizing Features.

Indicate whether the contractual terms include, or would have included, any term, other than those described in Paragraphs 1003.4(a)(27)(i), (ii), and (iii) that would allow for payments other than fully amortizing payments during the loan term by entering the applicable Code from the following:

Code 1111—Exempt

Code 1—Other non-fully amortizing features

Code 2—No other non-fully amortizing features

Use Code 1111 if, pursuant to the 2018 HMDA Rule, your institution is not reporting Other Non-Amortizing Features.

(2-88)Paragraph 4(a)(28)—Property Value.

Enter, in dollars, the value of the property securing the covered loan or, in the case of an application, proposed to secure the covered loan, relied on in making the credit decision.

Example: If the property value is $350,500, enter 350500.

a. Enter "NA" if the requirement to report property value does not apply to the covered loan or application that your institution is reporting.

b. Enter "Exempt" if, pursuant to the 2018 HMDA Rule, your institution is not reporting Property Value.

(2-89)Paragraph 4(a)(29)—Manufactured Home Secured Property Type

Indicate whether the covered loan or application is, or would have been, secured by a manufactured home and land, or by a manufactured home and not land, by entering the applicable Code from the following:

Code 1111—Exempt

Code 1—Manufactured home and land

Code 2—Manufactured home and not land

Code 3—Not applicable

a. Use Code 3 if the requirement to report manufactured home secured property type does not apply to the covered loan or application that your institution is reporting.

b. Use Code 1111 if, pursuant to the 2018 HMDA Rule, your institution is not reporting Manufactured Home Secured Property Type.

(2-90) Paragraph 4(a)(30)—Manufactured Home Land Property Interest.

Indicate the applicant's or borrower's land property interest in the land on which a manufactured home is, or will be, located by entering the applicable Code from the following:

Code 1111—Exempt

Code 1—Direct ownership

Code 2—Indirect ownership

Code 3—Paid leasehold

Code 4—Unpaid leasehold

Code 5—Not applicable

a. Use Code 5 if the requirement to report manufactured home land property interest does not apply to the covered loan or application that your institution is reporting.

b. Use Code 1111 if, pursuant to the 2018 HMDA Rule, your institution is not reporting Manufactured Home Land Property Interest.

(2-91)Paragraph 4(a)(31)—Total Units.

Enter, in numeral form, the number of individual dwelling units related to the property securing the covered loan or, in the case of an application, proposed to secure the covered loan.

Example: If there are five (5) individual dwelling units, enter 5. 4.

(2-92)Paragraph 4(a)(32)—Multifamily Affordable Units.

Enter, in numeral form, the number of individual dwelling units related to any multifamily dwelling property securing the covered loan or, in the case of an application, proposed to secure the covered loan, that are income-restricted pursuant to Federal, State, or local affordable housing programs.

Example: If there are five (5) multifamily affordable units, enter 5.

a. Enter "0" for a covered loan or application related to a multifamily dwelling that does not contain any such income-restricted individual dwelling units.

b. Enter "NA" if the requirement to report multifamily affordable units does not apply to the covered loan or application that your institution is reporting.

c. Enter "Exempt" if, pursuant to the 2018 HMDA Rule, your institution is not reporting Multifamily Affordable Units.

(2-93 to 2-94)Paragraph 4(a)(33)—Application Channel.
  1. Submission of Application. Indicate whether the applicant or borrower submitted the application directly to your institution by entering the applicable Code from the following:

Code 1—Submitted directly to your institution

Code 2—Not submitted directly to your institution

Code 3—Not applicable

Code 1111—Exempt

a. Use Code 3 if the requirement to report whether the applicant or borrower submitted the application directly to your institution does not apply to the covered loan or application that your institution is reporting.

b. Use Code 1111 if, pursuant to the 2018 HMDA Rule, your institution is not reporting Submission of Application.

  1. Initially Payable to Your Institution. Indicate whether the obligation arising from the covered loan was, or, in the case of an application, would have been, initially payable to your institution by entering the applicable Code from the following:

Code 1—Initially payable to your institution

Code 2—Not initially payable to your institution

Code 3—Not applicable

Code 1111—Exempt

a. Use Code 3 if the requirement to report whether the obligation arising from the covered loan was, or, in the case of an application, would have been, initially payable to your institution does not apply to the covered loan or application that your institution is reporting.

b. Use Code 1111 if, pursuant to the 2018 HMDA Rule, your institution is not reporting Initially Payable to Your Institution.

(2-95)Paragraph 4(a)(34)—Mortgage Loan Originator NMLSR Identifier.

Enter the Nationwide Mortgage Licensing System and Registry mortgage loan originator unique identifier (NMLSR ID) for the mortgage loan originator, NA, or Exempt. The NMLSR ID should not include zeros that are not part of the NMLSR ID (e.g., if the NMLSR ID is 64573, it should be entered as 64573, not 00064573). The HMDA Platform can accept a value with, at most, nine integers (e.g., 214748364).

Example: If the NMLSR ID for the mortgage loan originator is 123450, enter 123450.

Enter "Exempt" if, pursuant to the 2018 HMDA Rule, your institution is not reporting NMLSR ID. 11.

(2-96 to 2-107) Paragraph 4(a)(35)—Automated Underwriting System (AUS) and Result.
  1. Automated Underwriting System. Indicate the automated underwriting system(s) (AUS) used by your institution to evaluate the application by entering up to five (5) of the applicable Codes from the following:

Code 1—Desktop Underwriter (DU)

Code 2—Loan Prospector (LP) or Loan Product Advisor

Code 3—Technology Open to Approved Lenders (TOTAL) Scorecard

Code 4—Guaranteed Underwriting System (GUS)

Code 5—Other

Code 6—Not applicable

Code 7—Internal Proprietary System

Code 1111—Exempt

a. If fewer than five (5) automated underwriting systems were used by your institution to evaluate the application, leave the remaining Automated Underwriting System data fields blank.

b. Use Code 1111 if, pursuant to the 2018 HMDA Rule, your institution is not reporting Automated Underwriting System.

c. Use Code 5 if your institution uses an Automated Underwriting System that 1) is not listed in the enumerated Automated Underwriting Systems, and 2) is not an internal proprietary system. Enter the name of the Automated Underwriting System in the Automated Underwriting System Conditional Free Form Text Field for Code 5 data field.

d. Use Code 6 if the requirement to report an AUS does not apply to the covered loan or application that your institution is reporting. Leave the remaining Automated Underwriting System data fields blank.

e. Use Code 7 if your institution uses an Automated Underwriting System that 1) is not listed in the enumerated Automated Underwriting Systems, and 2) is an internal proprietary system.

f. If your institution uses an Automated Underwriting System that is already listed as a valid value for Automated Underwriting Systems and is not Code 5 - Other (i.e., Codes 1, 2, 3, etc.), do not enter the name of Automated Underwriting System into the Automated Underwriting System Conditional Free Form Text Field for Code 5 data field. Instead, choose the corresponding code for your input. For example, the Automated Underwriting System Desktop Underwriter (DU) should be coded as 1, and not submitted in the free form text field as "Desktop Underwriter (DU)". Instead, enter the applicable code(s) in the Automated Underwriting System fields.

  1. Automated Underwriting System Conditional Free Form Text Field for Code 5. If Code 5 is selected in any Automated Underwriting System field, enter the name of the specific other AUS(s) not listed above. Enter more than one other Automated Underwriting System, as applicable. The maximum number of characters for this field is 255 characters, including spaces. If 5 is not entered, leave this field blank.

  2. Automated Underwriting System Result. Indicate the result(s) generated by the automated underwriting system (AUS) previously indicated by entering the applicable Code(s) from the following:

Code 1—Approve/Eligible

Code 2—Approve/Ineligible

Code 3—Refer/Eligible

Code 4—Refer/Ineligible

Code 5—Refer with Caution

Code 6—Out of Scope

Code 7—Error

Code 8—Accept

Code 9—Caution

Code 10—Ineligible

Code 11—Incomplete

Code 12—Invalid

Code 13—Refer

Code 14—Eligible

Code 15—Unable to Determine or Unknown

Code 16—Other

Code 17—Not applicable

Code 18 – Accept/Eligible

Code 19 – Accept/Ineligible

Code 20 – Accept/Unable to Determine

Code 21 – Refer with Caution/Eligible

Code 22 – Refer with Caution/Ineligible

Code 23 – Refer/Unable to Determine

Code 24 - Refer with Caution/Unable to Determine

Code 1111—Exempt

a. The AUS of the Federal National Mortgage Association (Fannie Mae) commonly returns results that correspond to Codes 1, 2, 3, 4, 5, 6, 7, and 15. If your result(s) differ, report the AUS result(s) received.

b. The AUS of the Federal Home Loan Mortgage Corporation (Freddie Mac) commonly returns results that correspond to Codes 8, 9, 10, 11, 12, and 13. If more than one result is returned on the Feedback Certificate, report the Risk Class result. If your result(s) differ, report the AUS result(s) received.

c. The FHA TOTAL Scorecard AUS commonly returns results that correspond to Codes 1, 2, 3, 4, 8, 13, 18, and 19. If your results differ, report the AUS result(s) received.

d. The GUS AUS commonly returns results that correspond to Codes 3, 4, 10, 15, 18, 19, 20, 21, 22, 23 and 24. If your result(s) differ, report the AUS result(s) received.

e. Use Code 17 if the requirement to report an AUS result does not apply to the covered loan or application that your institution is reporting. Leave the remaining Automated Underwriting System Result data fields blank.

f. If fewer than five (5) results were generated by the automated underwriting system(s) previously indicated, leave the remaining Automated Underwriting System Result data fields blank.

g. Use Code 1111 if, pursuant to the 2018 HMDA Rule, your institution is not reporting Automated Underwriting System Result.

h. If your institution uses an Automated Underwriting System Result value that is listed in the Automated Underwriting System Results and is not Code 16 - Other (i.e., Codes 1, 2, 3, etc.), do not enter this value into the Automated Underwriting System Result Conditional Free Form Text Field for Code 16 data field. For example, an Automated Underwriting System Result of Accept/Eligible should be coded as 18, and not listed as "Accept/Eligible" in the free form text field. Instead, enter the applicable code(s) in the for Automated Underwriting System Result fields.

  1. Automated Underwriting System Result Conditional Free Form Text Field for Code 16. If Code 16 is selected in an Automated Underwriting System Result field, enter the specific other AUS result(s) not listed above. Enter more than one other Automated Underwriting System Result, as applicable. The maximum number of characters for this field is 255 characters, including spaces. If 16 is not entered, leave this field blank.
(2-108)Paragraph 4(a)(36)—Reverse Mortgage.

Indicate whether the covered loan is, or the application is for, a reverse mortgage by entering the applicable Code from the following:

Code 1111—Exempt

Code 1—Reverse mortgage

Code 2—Not a reverse mortgage

Use Code 1111 if, pursuant to the 2018 HMDA Rule, your institution is not reporting Reverse Mortgage.

(2-109)Paragraph 4(a)(37)—Open-End Line of Credit.

Indicate whether the covered loan is, or the application is for, an open-end line of credit by entering the applicable Code from the following:

Code 1—Open-end line of credit

Code 2—Not an open-end line of credit

Code 1111—Exempt

Use Code 1111 if, pursuant to the 2018 HMDA Rule, your institution is not reporting Open End Line of Credit.

(2-110)Paragraph 4(a)(38)— Business or Commercial Purpose.

Indicate whether the covered loan is, or the application is for a covered loan that will be made, primarily for a business or commercial purpose by entering the applicable Code from the following:

Code 1—Primarily for a business or commercial purpose

Code 2—Not primarily for a business or commercial purpose

Code 1111—Exempt

Use Code 1111 if, pursuant to the 2018 HMDA Rule, your institution is not reporting Business or Commercial Purpose.

5. 2023 Edit Specifications

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 95 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   2023 New and Revised Edits

TABLE 3: 2023 EDITS REVISED FROM 2022

Table 3
Type of Data FieldEdit NumberData PointModification
Loan/Application Register
V719
Financial Institution Name
Added condition if Financial Institution Name matches LEI

5.3   2023 Edits

Table 4 through Table 8 list all of the edits for HMDA data collected in 2023 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 2023 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.
V719
Financial Institution Name; LEI
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.
2) The Financial Institution Name provided matches the LEI provided. Please update the Financial Institution Name .

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.
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.

6. Additional information

6.1   Frequently Asked Questions

The Frequently Asked Questions are available in the Self Service Knowledge Portal at https://ffiec.cfpb.gov.

6.2   HMDA Help

Technical questions about reporting HMDA data collected in or after 2017 should be directed to hmdahelp@cfpb.gov.

Technical questions about reporting HMDA data collected in or before 2016 should be directed to hmdahelp@frb.gov.

Paperwork Reduction Act

According to the Paperwork Reduction Act of 1995, an agency may not conduct or sponsor, and, not withstanding any other provision of law, a person is not required to respond to a collection of information unless it displays a valid OMB control number. The OMB control number for this collection is 3170-0008. The time required to complete this information collection is estimated to average between 9,000 hours and 161 hours per response depending on the size of the institution, per response. The obligation to respond to this collection of information is mandatory per the Home Mortgage Disclosure Act 12 U.S.C. 2801–2810, as implemented by Consumer Financial Protection Bureau’s Regulation C, 12 CFR part 1003. Comments regarding this collection of information, including the estimated response time, suggestions for improving the usefulness of the information, or suggestions for reducing the burden to respond to this collection should be submitted to the Bureau at the Consumer Financial Protection Bureau (Attention: PRA Office), 1700 G Street NW, Washington, DC 20552, or by email to PRA@cfpb.gov. The other agencies collecting information under this regulation maintain OMB Control numbers for their collections as follows: Office of the Comptroller of the Currency (15570159), the Federal Deposit Insurance Corporation (3064-0046), the Federal Reserve System (7100-0247), the Department of Housing and Urban Development (HUD) (2502-0529), the National Credit Union Administration (3133-0166).

Footnotes

  1. The HMDA agencies are the member agencies of the Federal Financial Institutions Examination Council (FFIEC)—the Consumer Financial Protection Bureau (CFPB), the Office of the Comptroller of the Currency (OCC), the Federal Deposit Insurance Corporation (FDIC), the Board of Governors of the Federal Reserve System (Board), and the National Credit Union Administration (NCUA), and the Department of Housing and Urban Development (HUD).

ffiec.cfpb.gov

An official website of the CFPB's HMDA  v3.0.9

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