Skip to main content
Version: 2023

tables

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

Data Field NumberData Field NameData Field TypeValid ValuesDescriptions and Examples
1Record Identifier – Value is 1Numeric1
2Financial Institution NameAlphanumericExample: Ficus Bank
3Calendar YearNumericExample: 2023
4Calendar QuarterNumeric4Description: 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 .
5Contact Person’s NameAlphanumericExample: Erika Otis
6Contact Person’s Telephone NumberAlphanumericExample: 999-999-9999
7Contact Person’s E-mail AddressAlphanumericExample: erikaotis@bank.com
8Contact Person’s Office Street AddressAlphanumericExample: 4321 W Random Blvd Ste 201
9Contact Person’s Office CityAlphanumericExample: Somecity
10Contact Person’s Office StateAlphanumericExample: CA
11Contact Person’s Office ZIP CodeAlphanumericExample: 90049-9998
12Federal AgencyNumeric1 2 3 5 7 9Descriptions: 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)
13Total Number of Entries Contained in SubmissionNumericExample: 5000
14Federal Taxpayer Identification NumberAlphanumericExample: 99-9999999
15Legal Entity Identifier (LEI)Alphanumeric; Width is 20 charactersExample: 10BX939C5543TQA1144M

TABLE 2: LOAN/APPLICATION REGISTER

Data Field NumberData Field NameData Field TypeValid ValuesDescriptions and ExamplesData Point Name
1Record Identifier – Value is 2Numeric2
2Legal Entity Identifier (LEI)Alphanumeric; Width is 20 charactersExample: 10BX939C5543TQA1144MLegal Entity Identifier (LEI)
3Universal Loan Identifier (ULI) or Non-Universal Loan Identifier (NULI)Alphanumeric; Width up to 45 charactersULI Example: 10BX939C5543TQA1144M999143X38 NULI Example: 999143XUniversal Loan Identifier (ULI) or Non-Universal Loan Identifier (NULI)
4Application DateAlphanumericExample: 20230721 (or) NAApplication Date
5Loan TypeNumeric1 2 3 4Descriptions: 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
6Loan PurposeNumeric1 2 31 32 4 5Descriptions: 1. Home purchase 2. Home improvement 31. Refinancing 32. Cash-out refinancing 4. Other purpose 5. Not applicableLoan Purpose
7PreapprovalNumeric1 2Descriptions: 1. Preapproval requested 2. Preapproval not requestedPreapproval
8Construction MethodNumeric1 2Descriptions: 1. Site-built 2. Manufactured HomeConstruction Method
9Occupancy TypeNumeric1 2 3Descriptions: 1. Principal residence 2. Second residence 3. Investment propertyOccupancy Type
10Loan AmountNumericExample: 110500 (or) 110500.00Loan Amount
11Action TakenNumeric1 2 3 4 5 6 7 8Descriptions: 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 acceptedAction Taken
12Action Taken DateNumericExample: 20230721Action Taken Date
13Street AddressAlphanumericExample: 456 W Somewhere Ave Apt 201 (or) NA (or) ExemptProperty Address
14CityAlphanumericExample: Anytown (or) NA (or) ExemptProperty Address
15State1F [1]AlphanumericExample: CA (or) NAProperty Location & Property Address
16ZIP CodeAlphanumericExample: 90049-9998 (or) NA (or) ExemptProperty Address
17CountyAlphanumericExample: 06037 (or) NAProperty Location
18Census TractAlphanumericExample: 06037264000 (or) NAProperty Location
19Ethnicity of Applicant or Borrower: 1Numeric1 11 12 13 14 2 3 4Descriptions: 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
20Ethnicity of Applicant or Borrower: 2Numeric1 11 12 13 14 2Descriptions: 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
21Ethnicity of Applicant or Borrower: 3Numeric1 11 12 13 14 2Descriptions: 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
22Ethnicity of Applicant or Borrower: 4Numeric1 11 12 13 14 2Descriptions: 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
23Ethnicity of Applicant or Borrower: 5Numeric1 11 12 13 14 2Descriptions: 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
24Ethnicity of Applicant or Borrower: Free Form Text Field for Other Hispanic or LatinoAlphanumeric; Width up to 100 charactersSpecify 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
25Ethnicity of Co-Applicant or Co-Borrower: 1Numeric1 11 12 13 14 2 3 4 5Descriptions: 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
26Ethnicity of Co-Applicant or Co-Borrower: 2Numeric1 11 12 13 14 2Descriptions: 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
27Ethnicity of Co-Applicant or Co-Borrower: 3Numeric1 11 12 13 14 2Descriptions: 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
28Ethnicity of Co-Applicant or Co-Borrower: 4Numeric1 11 12 13 14 2Descriptions: 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
29Ethnicity of Co-Applicant or Co-Borrower: 5Numeric1 11 12 13 14 2Descriptions: 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
30Ethnicity of Co-Applicant or Co-Borrower: Free Form Text Field for Other Hispanic or LatinoAlphanumeric; Width up to 100 charactersSpecify 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
31Ethnicity of Applicant or Borrower Collected on the Basis of Visual Observation or SurnameNumeric1 2 3Descriptions: 1. Collected on the basis of visual observation or surname 2. Not collected on the basis of visual observation or surname 3. Not applicableEthnicity
32Ethnicity of Co-Applicant or Co-Borrower Collected on the Basis of Visual Observation or SurnameNumeric1 2 3 4Descriptions: 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-applicantEthnicity
33Race of Applicant or Borrower: 1Numeric1 2 21 22 23 24 25 26 27 3 4 41 42 43 44 5 6 7Descriptions: 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
34Race of Applicant or Borrower: 2Numeric1 2 21 22 23 24 25 26 27 3 4 41 42 43 44 5Descriptions: 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
35Race of Applicant or Borrower: 3Numeric1 2 21 22 23 24 25 26 27 3 4 41 42 43 44 5Descriptions: 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
36Race of Applicant or Borrower: 4Numeric1 2 21 22 23 24 25 26 27 3 4 41 42 43 44 5Descriptions: 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
37Race of Applicant or Borrower: 5Numeric1 2 21 22 23 24 25 26 27 3 4 41 42 43 44 5Descriptions: 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
38Race of Applicant or Borrower: Free Form Text Field for American Indian or Alaska Native Enrolled or Principal TribeAlphanumeric; Width up to 100 charactersSpecify 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
39Race of Applicant or Borrower: Free Form Text Field for Other AsianAlphanumeric; Width up to 100 charactersSpecify 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
40Race of Applicant or Borrower: Free Form Text Field for Other Pacific IslanderAlphanumeric; Width up to 100 charactersSpecify 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
41Race of Co-Applicant or Co-Borrower: 1Numeric1 2 21 22 23 24 25 26 27 3 4 41 42 43 44 5 6 7 8Descriptions: 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
42Race of Co-Applicant or Co-Borrower: 2Numeric1 2 21 22 23 24 25 26 27 3 4 41 42 43 44 5Descriptions: 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
43Race of Co-Applicant or Co-Borrower: 3Numeric1 2 21 22 23 24 25 26 27 3 4 41 42 43 44 5Descriptions: 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
44Race of Co-Applicant or Co-Borrower: 4Numeric1 2 21 22 23 24 25 26 27 3 4 41 42 43 44 5Descriptions: 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
45Race of Co-Applicant or Co-Borrower: 5Numeric1 2 21 22 23 24 25 26 27 3 4 41 42 43 44 5Descriptions: 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
46Race of Co-Applicant or Co-Borrower: Free Form Text Field for American Indian or Alaska Native Enrolled or Principal TribeAlphanumeric; Width up to 100 charactersSpecify 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
47Race of Co-Applicant or Co-Borrower: Free Form Text Field for Other AsianAlphanumeric; Width up to 100 charactersSpecify 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
48Race of Co-Applicant or Co-Borrower: Free Form Text Field for Other Pacific IslanderAlphanumeric; Width up to 100 charactersSpecify 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
49Race of Applicant or Borrower Collected on the Basis of Visual Observation or SurnameNumeric1 2 3Descriptions: 1. Collected on the basis of visual observation or surname 2. Not collected on the basis of visual observation or surname 3. Not applicableRace
50Race of Co-Applicant or Co-Borrower Collected on the Basis of Visual Observation or SurnameNumeric1 2 3 4Descriptions: 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-applicantRace
51Sex of Applicant or BorrowerNumeric1 2 3 4 6Descriptions: 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 femaleSex
52Sex of Co-Applicant or Co-BorrowerNumeric1 2 3 4 5 6Descriptions: 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 femaleSex
53Sex of Applicant or Borrower Collected on the Basis of Visual Observation or SurnameNumeric1 2 3Descriptions: 1. Collected on the basis of visual observation or surname 2. Not collected on the basis of visual observation or surname 3. Not applicableSex
54Sex of Co-Applicant or Co-Borrower Collected on the Basis of Visual Observation or SurnameNumeric1 2 3 4Descriptions: 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-applicantSex
55Age of Applicant or BorrowerNumeric8888Example: 24 (or) Descriptions: 8888. Not applicableAge
56Age of Co-Applicant or Co-BorrowerNumeric8888 9999Example: 24 (or) Descriptions: 8888. Not applicable 9999. No co-applicantAge
57IncomeAlphanumericExample: 36 (or) -36 (or) NAIncome
58Type of PurchaserNumeric0 1 2 3 4 5 6 71 72 8 9Descriptions: 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 purchaserType of Purchaser
59Rate SpreadAlphanumericExample: 0.428 (or) -0.428 (or) NA (or) ExemptRate Spread
60HOEPA StatusNumeric1 2 3Descriptions: 1. High-cost mortgage 2. Not a high-cost mortgage 3. Not applicableHOEPA Status
61Lien StatusNumeric1 2Descriptions: 1. Secured by a first lien 2. Secured by a subordinate lienLien Status
62Credit Score of Applicant or BorrowerNumeric7777 8888 1111Example: 650 (or) Descriptions: 7777. Credit score is not a number 8888. Not applicable 1111. ExemptCredit Score
63Credit Score of Co-Applicant or Co-BorrowerNumeric7777 8888 9999 1111Example: 650 (or) Descriptions: 7777. Credit score is not a number 8888. Not applicable 9999. No co-applicant 1111. ExemptCredit Score
64Applicant or Borrower, Name and Version of Credit Scoring ModelNumeric1 2 3 4 5 6 7 8 9 11 1111Descriptions: 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. ExemptCredit Score
65Applicant or Borrower, Name and Version of Credit Scoring Model: Conditional Free Form Text Field for Code 8Alphanumeric; Width up to 100 charactersSpecify in text the applicant’s or borrower’s Other credit scoring model if 8 is entered. Otherwise, leave this data field blank.Credit Score
66Co-Applicant or Co-Borrower, Name and Version of Credit Scoring ModelNumeric1 2 3 4 5 6 7 8 9 10 11 1111Descriptions: 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. ExemptCredit Score
67Co-Applicant or Co-Borrower, Name and Version of Credit Scoring Model: Conditional Free Form Text Field for Code 8Alphanumeric; Width up to 100 charactersSpecify 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
68Reason for Denial: 1Numeric1 2 3 4 5 6 7 8 9 10 1111Descriptions: 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. ExemptReason for Denial
69Reason for Denial: 2Numeric1 2 3 4 5 6 7 8 9Descriptions: 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 blankReason for Denial
70Reason for Denial: 3Numeric1 2 3 4 5 6 7 8 9Descriptions: 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 blankReason for Denial
71Reason for Denial: 4Numeric1 2 3 4 5 6 7 8 9Descriptions: 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 blankReason for Denial
72Reason for Denial: Conditional Free Form Text Field for Code 9Alphanumeric; Width up to 255 charactersSpecify in text the Other Denial Reason(s) if Code 9 is entered. Otherwise, leave this data field blank.Reason for Denial
73Total Loan CostsAlphanumericExample: 2399.04 (or) NA (or) ExemptTotal Loan Costs or Total Points and Fees
74Total Points and FeesAlphanumericExample: 2399.04 (or) NA (or) ExemptTotal Loan Costs or Total Points and Fees
75Origination ChargesAlphanumericExample: 2399.04 (or) NA (or) ExemptOrigination Charges
76Discount PointsAlphanumericExample: 2399.04 (or) NA (or) Exempt If no points were paid, leave this data field blankDiscount Points
77Lender CreditsAlphanumericExample: 1500.24 (or) NA (or) Exempt If no lender credits were provided, leave this data field blankLender Credits
78Interest RateAlphanumericExample: 4.125 (or) NA (or) ExemptInterest Rate
79Prepayment Penalty TermAlphanumericExample: 24 (or) NA (or) ExemptPrepayment Penalty Term
80Debt-to-Income RatioAlphanumericExample: 42.95 (or) -42.95 (or) NA (or) ExemptDebt-to-Income Ratio
81Combined Loan-to-Value RatioAlphanumericExample: 80.05 (or) NA (or) ExemptCombined Loan-to-Value Ratio
82Loan TermAlphanumericExample: 360 (or) NA (or) ExemptLoan Term
83Introductory Rate PeriodAlphanumericExample: 24 (or) NA (or) ExemptIntroductory Rate Period
84Balloon PaymentNumeric1 2 1111Descriptions: 1. Balloon payment 2. No balloon payment 1111. ExemptNon-Amortizing Features
85Interest-Only PaymentsNumeric1 2 1111Descriptions: 1. Interest-only payments 2. No interest-only payments 1111. ExemptNon-Amortizing Features
86Negative AmortizationNumeric1 2 1111Descriptions: 1. Negative amortization 2. No negative amortization 1111. ExemptNon-Amortizing Features
87Other Non-Amortizing FeaturesNumeric1 2 1111Descriptions: 1. Other non-fully amortizing features 2. No other non-fully amortizing features 1111. ExemptNon-Amortizing Features
88Property ValueAlphanumericExample: 350500 (or) NA (or) ExemptProperty Value
89Manufactured Home Secured Property TypeNumeric1 2 3 1111Descriptions: 1. Manufactured home and land 2. Manufactured home and not land 3. Not applicable 1111. ExemptManufactured Home Secured Property Type
90Manufactured Home Land Property InterestNumeric1 2 3 4 5 1111Descriptions: 1. Direct ownership 2. Indirect ownership 3. Paid leasehold 4. Unpaid leasehold 5. Not applicable 1111. ExemptManufactured Home Land Property Interest
91Total UnitsNumericExample: 5Total Units
92Multifamily Affordable UnitsAlphanumericExample: 5 (or) NA (or) ExemptMultifamily Affordable Units
93Submission of ApplicationNumeric1 2 3 1111Descriptions: 1. Submitted directly to your institution 2. Not submitted directly to your institution 3. Not applicable 1111. ExemptApplication Channel
94Initially Payable to Your InstitutionNumeric1 2 3 1111Descriptions: 1. Initially payable to your institution 2. Not initially payable to your institution 3. Not applicable 1111. ExemptApplication Channel
95Mortgage Loan Originator NMLSR IdentifierAlphanumericExample: 123450 (or) NA (or) ExemptMortgage Loan Originator NMLSR Identifier
96Automated Underwriting System: 1Numeric1 2 3 4 5 6 7 1111Descriptions: 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. ExemptAutomated Underwriting System
97Automated Underwriting System: 2Numeric1 2 3 4 5 7Descriptions: 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 blankAutomated Underwriting System
98Automated Underwriting System: 3Numeric1 2 3 4 5 7Descriptions: 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 blankAutomated Underwriting System
99Automated Underwriting System: 4Numeric1 2 3 4 5 7Descriptions: 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 blankAutomated Underwriting System
100Automated Underwriting System: 5Numeric1 2 3 4 5 7Descriptions: 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 blankAutomated Underwriting System
101Automated Underwriting System: Conditional Free Form Text Field for Code 5Alphanumeric; Width up to 255 charactersSpecify in text the Other Automated Underwriting System(s) if 5 is entered. Otherwise, leave this data field blank.Automated Underwriting System
102Automated Underwriting System Result: 1Numeric1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 1111Descriptions: 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. ExemptAutomated Underwriting System
103Automated Underwriting System Result: 2Numeric1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 18 19 20 21 22 23 24Descriptions: 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 blankAutomated Underwriting System
104Automated Underwriting System Result: 3Numeric1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 18 19 20 21 22 23 24Descriptions: 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 blankAutomated Underwriting System
105Automated Underwriting System Result: 4Numeric1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 18 19 20 21 22 23 24Descriptions: 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 blankAutomated Underwriting System
106Automated Underwriting System Result: 5Numeric1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 18 19 20 21 22 23 24Descriptions: 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 blankAutomated Underwriting System
107Automated Underwriting System Result: Conditional Free Form Text Field for Code 16Alphanumeric; Width up to 255 charactersSpecify in text the Other Automated Underwriting System Result(s) if 16 is entered. Otherwise, leave this data field blank.Automated Underwriting System
108Reverse MortgageNumeric1 2 1111Descriptions: 1. Reverse mortgage 2. Not a reverse mortgage 1111. ExemptReverse Mortgage
109Open-End Line of CreditNumeric1 2 1111Descriptions: 1. Open-end line of credit 2. Not an open-end line of credit 1111. ExemptOpen-End Line of Credit
110Business or Commercial PurposeNumeric1 2 1111Descriptions: 1. Primarily for a business or commercial purpose 2. Not primarily for a business or commercial purpose 1111. ExemptBusiness or Commercial Purpose

TABLE 3: 2023 EDITS REVISED FROM 2022

Type of Data FieldEdit NumberData PointModification
Loan/Application RegisterV719Financial Institution NameAdded condition if Financial Institution Name matches LEI

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

Edit IDData Point NameAffected Data FieldsEdit Description
S300N/ARecord IdentifierThe 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.
S301Legal 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.
V600Legal 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)

Edit IDData Field Name(s)Edit Description
S302Calendar YearThe 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.
S303Federal 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.
S304Total Number of Entries Contained in SubmissionThe 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 .
V601Financial Institution Name; Contact Person’s Name; Contact Person’s E-mail Address; Contact Person’s Office Street Address; Contact Person’s Office CityThe 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
V602Calendar QuarterAn 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.
V603Contact Person’s Telephone NumberAn 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.
V604Contact Person’s Office StateAn 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.
V605Contact Person’s Office ZIP CodeAn 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.
V606Total Number of Entries Contained in SubmissionThe 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.
V607Federal Taxpayer Identification NumberAn 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.
V717Contact Person’s Email AddressAn 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.
V719Financial Institution Name; LEIAn 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

Edit IDData Point NameAffected Data FieldsEdit Description
S305Applicable to all data fieldsAll data fields in the LARA duplicate transaction has been reported. Please review and update your file accordingly.
S306Universal 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.
V608Universal 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.
V609Universal 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.
V610Application DateApplication Date; Action TakenAn 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.
V611Loan TypeLoan TypeAn 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.
V612Loan PurposeLoan Purpose; PreapprovalAn 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.
V613PreapprovalPreapproval; Action TakenAn 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.
V614PreapprovalPreapproval; Loan Purpose; Multifamily Affordable Units; Reverse Mortgage; Open-End Line of CreditAn 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.
V615Construction MethodConstruction Method; Manufactured Home Land Property Interest; Manufactured Home Secured Property TypeAn 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.
V616Occupancy TypeOccupancy TypeAn 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.
V617Loan AmountLoan AmountAn 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.
V618Action TakenAction TakenAn 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.
V619Action Taken DateAction Taken Date; Application DateAn 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.
V620Property AddressStreet AddressAn invalid Street Address was provided. Please review the information below and update your file accordingly. 1) Street Address cannot be left blank.
V621Property AddressCityAn invalid City was provided. Please review the information below and update your file accordingly. 1) Citycannot be left blank.
V622Property AddressStreet Address; City; State; Zip CodeAn 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.
V623Property Address; Property LocationStateAn 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.
V624Property AddressZip CodeAn 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.
V625Property LocationCensus TractAn 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.
V626Property LocationCountyAn 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
V627Property LocationCensus Tract; CountyAn 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.
V628EthnicityEthnicity 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 LatinoAn 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.
V629EthnicityEthnicity 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 .
V630EthnicityEthnicity of Applicant or Borrower: 1; Ethnicity of Applicant or Borrower Collected on the Basis of Visual Observation or SurnameAn 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.
V631EthnicityEthnicity 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.
V632EthnicityEthnicity 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 LatinoAn 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 .
V633EthnicityEthnicity of Co-Applicant or Co-Borrower: 1; Ethnicity of Co-Applicant or Co-Borrower Collected on the Basis of Visual Observation or SurnameAn 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.
V634EthnicityEthnicity of Co-Applicant or Co-Borrower: 1; Ethnicity of Co-Applicant or Co-Borrower Collected on the Basis of Visual Observation or SurnameAn 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.
V635RaceRace 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 IslanderAn 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.
V636RaceRace 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 IslanderAn 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.
V637RaceRace of Applicant or Borrower: 1; Race of Applicant or Borrower Collected on the Basis of Visual Observation or SurnameAn 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.
V638RaceRace 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 IslanderAn 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.
V639RaceRace 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 IslanderAn 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.
V640RaceRace of Co-Applicant or Co-Borrower: 1; Race of Co-Applicant or Co-Borrower Collected on the Basis of Visual Observation or SurnameAn 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.
V641RaceRace of Co-Applicant or Co-Borrower: 1; Race of Co-Applicant or Co-Borrower Collected on the Basis of Visual Observation or SurnameAn 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.
V642SexSex of Applicant or Borrower; Sex of Applicant or Borrower Collected on the Basis of Visual Observation or SurnameAn 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.
V643SexSex of Applicant or Borrower; Sex of Applicant or Borrower Collected on the Basis of Visual Observation or SurnameAn 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.
V644SexSex of Applicant or Borrower; Sex of Applicant or Borrower Collected on the Basis of Visual Observation or SurnameAn 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.
V645SexSex of Applicant or Borrower; Sex of Applicant or Borrower Collected on the Basis of Visual Observation or SurnameAn 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.
V646SexSex of Co-Applicant or Co-Borrower; Sex of Co-Applicant or Co-Borrower Collected on the Basis of Visual Observation or SurnameAn 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.
V647SexSex of Co-Applicant or Co-Borrower; Sex of Co-Applicant or Co-Borrower Collected on the Basis of Visual Observation or SurnameAn 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.
V648SexSex of Co-Applicant or Co-Borrower; Sex of Co-Applicant or Co-Borrower Collected on the Basis of Visual Observation or SurnameAn 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.
V649SexSex of Co-Applicant or Co-Borrower; Sex of Co-Applicant or Co-Borrower Collected on the Basis of Visual Observation or SurnameAn 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.
V650SexSex of Co-Applicant or Co-Borrower; Sex of Co-Applicant or Co-Borrower Collected on the Basis of Visual Observation or SurnameAn 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.
V651AgeAge of Applicant or Borrower; Ethnicity of Applicant or Borrower 1; Race of Applicant or Borrower 1; Sex of Applicant or BorrowerAn 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.
V652AgeAge 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-BorrowerAn 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.
V654IncomeIncome; Multifamily Affordable UnitsAn 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.
V655IncomeIncome; 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: 1An 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.
V656Type of PurchaserType of Purchaser; Action TakenAn 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.
V657Rate SpreadRate Spread; Action Taken; Reverse MortgageAn 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.
V658HOEPA StatusHOEPA Status; Action TakenAn 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.
V659Lien StatusLien StatusAn 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.
V660Credit ScoreCredit Score of Applicant or Borrower; Applicant or Borrower, Name and Version of Credit Scoring ModelAn 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.
V661Credit ScoreCredit Score of Applicant or Borrower; Applicant or Borrower, Name and Version of Credit Scoring ModelAn 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.
V662Credit ScoreApplicant 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 8An 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.
V663Credit ScoreAction 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 8An 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.
V664Credit ScoreAction 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 8An 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
V665Credit ScoreCredit Score of Co-Applicant or Co-Borrower; Co-Applicant or Co-Borrower, Name and Version of Credit Scoring ModelAn 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.
V666Credit ScoreCredit Score of Co-Applicant or Co-Borrower; Co-Applicant or Co-Borrower, Name and Version of Credit Scoring ModelAn 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.
V667Credit ScoreCo-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 8An 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.
V668Credit ScoreCredit 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-BorrowerAn 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.
V669Reason for DenialReason for Denial: 1; Reason for Denial: 2; Reason for Denial: 3; Reason for Denial: 4An 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.
V670Reason for DenialAction Taken; Reason for Denial: 1An 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.
V671Reason for DenialReason 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 9An 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.
V672Total Loan Costs or Total Points and FeesTotal Loan Costs; Total Points and Fees; Action Taken; Reverse Mortgage; Open-End Line of Credit; Business or Commercial PurposeAn 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.
V673Total Loan Costs or Total Points and FeesTotal Points and Fees; Action Taken; Reverse Mortgage; Business or Commercial PurposeAn 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.
V674Origination ChargesOrigination Charges; Reverse Mortgage; Open-End Line of Credit; Business or Commercial Purpose; Action TakenAn 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.
V675Discount PointsDiscount Points; Reverse Mortgage; Open-End Line of Credit; Business or Commercial Purpose; Action TakenAn 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.
V676Lender CreditsLender Credits; Reverse Mortgage; Open-End Line of Credit; Business or Commercial Purpose; Action TakenAn 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.
V677Interest RateInterest Rate; Action TakenAn 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.
V678Prepayment Penalty TermPrepayment Penalty Term; Action Taken; Reverse Mortgage; Business or Commercial Purpose; Loan TermAn 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.
V679Debt-to-Income RatioDebt-to-Income Ratio, Multifamily Affordable Units, Action TakenAn 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.
V680Debt-to-Income RatioDebt-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: 1An 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.
V681Combined Loan-to-Value RatioCombined Loan-to-Value Ratio; Action TakenAn 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.
V682Loan TermLoan Term; Reverse MortgageAn 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.
V683Introductory Rate PeriodIntroductory Rate PeriodAn 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.
V684Non-Amortizing FeaturesBalloon PaymentAn 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.
V685Non-Amortizing FeaturesInterest-Only PaymentsAn 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.
V686Non-Amortizing FeaturesNegative AmortizationAn 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.
V687Non-Amortizing FeaturesOther Non-amortizing FeaturesAn 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.
V688Property ValueProperty Value; Action TakenAn 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.
V689Manufactured Home Secured Property TypeManufactured Home Secured Property Type; Multifamily Affordable Units; Construction MethodAn 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.
V690Manufactured Home Land Property InterestManufactured Home Land Property Interest; Multifamily Affordable Units; Construction MethodAn 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.
V691Total UnitsTotal UnitsAn 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.
V692Multifamily Affordable UnitsMultifamily Affordable Units; Total UnitsAn 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.
V693Application ChannelSubmission of Application; Action TakenAn 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.
V694Application ChannelInitially Payable to Your Institution; Action TakenAn 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.
V695Mortgage Loan Originator NMLSR IdentifierMortgage Loan Originator NMLSR IdentifierAn 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.
V696Automated Underwriting SystemAutomated 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: 5An 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.
V699Automated Underwriting SystemAutomated 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: 5An 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.
V700Automated Underwriting SystemAutomated 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: 5An 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.
V701Automated Underwriting SystemAutomated 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: 5An 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.
V702Automated Underwriting SystemAutomated 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 5An 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.
V703Automated Underwriting SystemAutomated 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 16An 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 .
V704Automated Underwriting SystemAction Taken; Automated Underwriting System: 1; Automated Underwriting System Result: 1An 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.
V705Automated Underwriting SystemAutomated 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: 1An 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.
V706Reverse MortgageReverse MortgageAn 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.
V707Open-End Line of CreditOpen-End Line of CreditAn 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.
V708Business or Commercial PurposeBusiness or Commercial PurposeAn 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.
V709Property AddressStreet Address; City; Zip CodeAn 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.
V710Credit ScoreCredit 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 8An 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.
V711Reason for DenialReason 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 9An 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.
V712Total Loan Costs or Total Points and FeesTotal Loan Costs; Total Points and FeesAn 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.
V713Automated Underwriting SystemAutomated 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 16An 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.
V714Application ChannelSubmission of Application; Initially Payable to Your InstitutionAn 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.
V715Non-Amortizing FeaturesBalloon Payment; Interest-Only Payments; Negative Amortization; Other Non-amortizing FeaturesAn 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.
V716Property LocationCounty; StateAn 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.
V720Credit ScoreCredit 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 ModelAn 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.
V721AgeAge of Applicant or Borrower; Age of Co-Applicant or Co-BorrowerAn 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

Edit IDData Point NameAffected Data FieldsEdit Description
Q600ULIULIPlease verify the information below and update your file, if needed 1) A duplicate ULIor NULI was reported.
Q601Application DateApplication Date; Action Taken DatePlease verify the information below and update your file, if needed. 1) Application Date occurs more than two years prior to Action Taken Date.
Q602Property AddressStreet Address; City; State; Zip CodePlease verify the information below and update your file, if needed. 1) Street Address was reported NA, but City ,State, and Zip Code were provided.
Q603Property LocationCounty; Census TractAn 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.
Q605Type of PurchaserType of Purchaser; Loan TypePlease 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.
Q606IncomeIncomePlease 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).
Q607Loan AmountLoan Amount; Lien StatusPlease 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).
Q608Action TakenAction Taken; Action Taken Date; Application DatePlease 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.
Q609Type of PurchaserType of Purchaser; Rate SpreadPlease 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.
Q610HOEPA StatusAction Taken; Lien Status; Rate Spread; HOEPA StatusPlease 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.
Q611HOEPA StatusAction Taken; Lien Status; Rate Spread; HOEPA StatusPlease 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.
Q612HOEPA StatusType of Purchaser; HOEPA StatusPlease 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.
Q613Loan PurposeBusiness or Commercial Purpose; Loan PurposePlease 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.
Q614AgeAge of Applicant or Borrower; Age of Co-Applicant or Co-BorrowerPlease 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.
Q615Origination ChargesOrigination Charges; Total Loan Costs; Total Points and FeesPlease 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.
Q616Discount PointsDiscount Points; Total Loan Costs; Total Points and FeesPlease 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.
Q617Combined Loan-to-Value RatioLoan Type, Combined Loan-to-Value Ratio, Loan Amount, and Property ValuePlease 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 ).
Q618Manufactured Home Secured Property TypeConstruction Method; Manufactured Home Secured Property TypePlease 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.
Q619Manufactured Home Land Property InterestConstruction Method; Manufactured Home Land Property InterestPlease 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.
Q620NMLSR IDBusiness or Commercial Purpose; NMLSR IDPlease 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.
Q621NMLSR IDNMLSR IDPlease 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.
Q622Age of Applicant or BorrowerReverse Mortgage; Age of Applicant or BorrowerPlease 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.
Q623Loan AmountLoan Amount; Total Units; IncomePlease 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).
Q624Loan AmountLoan Type; Total Units; Loan AmountPlease 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).
Q625Loan AmountLoan Type; Total Units; Loan AmountPlease 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).
Q626Loan AmountType of Purchaser; Total Units; Loan AmountPlease 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).
Q627Loan AmountTotal Units; Loan AmountPlease 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).
Q628Loan AmountLoan Purpose; Loan Amount; Total UnitsPlease 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).
Q629IncomeAction Taken; Total Units; Loan Purpose; IncomePlease 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.
Q630HOEPA StatusTotal Units; HOEPA StatusPlease 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.
Q631Total UnitsLoan Type; Total UnitsPlease 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.
Q632Automated Underwriting SystemAutomated 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: 5Please 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.
Q633Automated Underwriting SystemAutomated 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: 5Please 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.
Q642Credit ScoreCredit 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 ModelPlease 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.
Q643Automated Underwriting SystemAutomated 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: 5Please 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.
Q644Automated Underwriting SystemAutomated 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: 5Please 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.
Q645Loan AmountLoan AmountPlease 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).
Q648ULIAction 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.
Q649Credit ScoreCredit Score of Applicant or Borrower; Credit Score of Co-Applicant or Co-BorrowerPlease 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.
Q650Interest RateInterest RatePlease 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.
Q651Combined Loan-to-Value RatioCombined Loan-to-Value RatioPlease 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.
Q652Debt-to-Income RatioDebt-to-Income RatioPlease 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.
Q653Combined Loan-to-Value RatioCombined Loan-to-Value Ratio; Action TakenPlease 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.
Q654Debt-to-Income RatioDebt-to-Income Ratio; Income; Action TakenPlease 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.
Q655Multifamily Affordable UnitsTotal Units; Multifamily Affordable UnitsPlease 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.
Q656Any data point eligible for an alphanumeric exemption codeAny data field eligible for an alphanumeric exemption codePlease 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.
Q657Any data point that accepts a numeric data field type that is not eligible for an exemption codeAny data field that accepts a numeric data field type that is not eligible for an exemption codePlease 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.
Q658Loan TermLoan TermPlease 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.
Q659Any data point that accepts a “Not Applicable” or “No Co-Applicant” valueAny data point that accepts a “Not Applicable” or “No Co-Applicant” valuePlease 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

Edit IDData Point NameAffected Data FieldsEdit Description
Q634Action TakenAction Taken; Loan PurposePlease 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.
Q635Action TakenAction Taken; Total Number of Entries Contained in SubmissionPlease 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.
Q636Action TakenAction Taken; Total Number of Entries Contained in SubmissionPlease 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.
Q637Action TakenAction Taken; Total Number of Entries Contained in SubmissionPlease 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.
Q638Action TakenAction TakenPlease 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.
Q639Action TakenAction Taken; PreapprovalPlease 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.
Q640IncomeIncome; Total Number of Entries Contained in SubmissionPlease 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.
Q646Any data point eligible for an exemption codeAny field eligible for an exemption codeYour 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

Edit IDData FieldAffected Data FieldsEdit Description
Q647Federal AgencyFederal 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.

ffiec.cfpb.gov

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

Looking for U.S. government information and services?  
Visit USA.gov