Reporting Tier 1 Annual Reporter

Reporting, Recordkeeping, and Disclosure Requirements Associated with CFPB’s Home Mortgage Disclosure Act Loan/Application Register Required by Regulation C

FilingInstructionsGuideHMDA_2022

Reporting Tier 1 Annual Reporter

OMB: 7100-0247

⚠️ Notice: This form may be outdated. More recent filings and information on OMB 7100-0247 can be found here:

2024-03-15 - No material or nonsubstantive change to a currently approved collection

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October 2021

Filing instructions guide
for HMDA data collected
in 2022
OMB Control #3170-0008

Version log
The following is a version log that tracks changes from the previous version of the Filing
Instructions Guide*:
Date

October
2021

Version

1.1

August 2021 1.0

Section

5.3

Changes
1. Section 5.3, Table 6
 Modified language in edit V720-2
 Modified condition in edit V721-2 to include No
Co-Applicant condition
2. Section 5.3, Table 7
 Modified Affected Data Field Column in edit Q657
f or clarity
Original Document.
Changes from 2021 FIG:
1. Section 3.4, Table 1 and Section 4.2.1
 Updated Calendar Year and Federal Agency
values
2. Section 3.4, Table 2 and Section 4.2.2
 Updated examples for Application Date and Action
Taken Date
 Added Name and Version of Credit Scoring Model
value
3. Section 4.2.1
 Updated example for Calendar Quarter
4. Section 5.2
 Updated table to show 2022 edit revisions
5. Section 5.3, Table 6
 Revised edit V608, V660, V662, V665, and V667
 Added edit V720 and V721
6. Section 5.3, Table 7
 Revised edit Q654
 Added edit Q658 and Q659

*Consult the version log of prior year’s versions of the FIG for previous changes.

Table of contents
Version log.........................................................................................................................1
Table of contents ..............................................................................................................2
Paperwork Reduction Act ...............................................................................................4
1.

What’s in the FIG? .....................................................................................................5
1.1

Changes to the Submission Process for Data Collected in 2022.............. 5

1.2

2022 File Specifications............................................................................. 6

1.3

2022 Data Specifications ........................................................................... 6

1.4

2022 Edit Specifications ............................................................................ 7

Changes to the Submission Process for Data Collected in 2022 ......................8
2.1

Items that have changed:........................................................................... 8

2.2 Items that have not changed: .................................................................... 8
3.

2022 File Specifications ..........................................................................................11
3.1

Introduction .............................................................................................. 11

3.2 Submission instructions ........................................................................... 11
3.3 Loan/Application Register format ........................................................... 11
3.4 Information regarding data fields ............................................................12
4.

2022 Data Specifications ........................................................................................52
4.1

Introduction ............................................................................................. 52

4.2 Data format and itemization ................................................................... 52
5.

2022 Edit Specifications .........................................................................................93
5.1

Introduction ............................................................................................. 93

5.2 2022 Revised Edits ..................................................................................94
5.3 2022 Edits ................................................................................................94
6.

Additional information ..........................................................................................160
6.1

Frequently Asked Questions.................................................................. 160

6.2 HMDA Help............................................................................................ 160

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

1. What’s in the FIG?
The 2022 Filing Instructions Guide (FIG) is a compendium of resources to help you file annual
HMDA data collected in 2022 with the Consumer Financial Protection Bureau (Bureau) in 2023.
These resources are briefly described in this section and are further detailed throughout this
document in individual sections.
The HMDA agencies have agreed that filing HMDA data collected in or after 2017 with the
Bureau will be deemed as a submission to the appropriate Federal agency. 1
The FIG includes the following sections:

1.1

Changes to the Submission Process for
Data Collected in 2022

This section provides a summary of the changes made to the submission process for filing
HMDA data collected in 2022 with the Bureau.
This section may be useful for employees in a variety of roles, for example, your institution’s:


Compliance Officer



Staff who collect, prepare, and submit HMDA data



HMDA technology support staff

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

1.2

2022 File Specifications

This section provides information including valid values, how to format your loan/application
register, and how to file your HMDA data collected in 2022 with the Bureau.
This section may be useful for employees in a variety of roles, for example, your institution’s:


Staff who collect, prepare, and submit HMDA data



HMDA technology support staff

1.3

2022 Data Specifications

On October 15, 2015, the Bureau issued a final rule (2015 HMDA Final Rule) amending
Regulation C. In August 2017, the Bureau issued a final rule amending the 2015 HMDA Rule
primarily to make technical corrections and clarify amendments (2017 HMDA Final Rule). In
August 2018, the Bureau issued an interpretive and procedural rule (2018 HMDA Rule) to
implement and clarify the amendments to HMDA made by section 104(a) of the Economic
Growth, Regulatory Relief, and Consumer Protection Act (the Act). Beginning with data
collected in 2018, HMDA filers should report the data points described in the 2015 HMDA Final
Rule and the 2017 HMDA Final Rule, as modified by the 2018 HMDA Rule for insured
depository institutions and insured credit unions reporting transactions covered by a partial
exemption.
This section provides instructions for what to enter into each data field in the loan/application
register.
This section may be useful for employees in a variety of roles, for example, your institution’s:



Compliance officer



Staff who collect, prepare, and submit HMDA data

1.4

2022 Edit Specifications

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

Staff who collect, prepare, and submit HMDA data

2. Changes to the Submission
Process for Data Collected
in 2022
2.1

Items that have changed:

There are no significant changes to the submission process for data collected in 2022 and
reported in 2023.

2.2

Items that have not changed:

The data fields to be collected and reported have not changed:
The required data fields for the 2022 data have not changed from the 2021 data collection and
reporting requirements. Please refer to Regulation C, the 2018 HMDA Rule, and the Data
Specification section for the 2022 requirements.

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



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



Two-letter state codes;



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

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

The way you submit your HMDA data:
Filers will submit their HMDA data using a web interface referred to as the HMDA Platform.
Information regarding the HMDA Platform can be located at: https://ffiec.cfpb.gov.
We recommend that HMDA filers use a modern browser, such as the latest version of Google
Chrome™, Mozilla® Firefox® , Internet Explorer® 11, Microsoft Edge™, or other modern
browsers.
The following submission methods will not be permitted:


PC Diskette and CD-ROM




Submission via Web (from the Data Entry Software (DES))
E-mail to HMDASUB@FRB.GOV



Paper Submissions

The process by which you validate the edit report:
Financial institutions must address all edits prior to submitting their HMDA data. In contrast to
the previous process for filing data with the Federal Reserve Board (FRB), all edits must now be
addressed prior to filing HMDA data with the Bureau in order to complete the submission
process.
The edit report will be web-based:


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



Responses to the edits will not be faxed or e-mailed to the Bureau. The HMDA Platform
will guide filers through the process of addressing edits.

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

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

The contact information for HMDA Help:
Technical questions about reporting HMDA data collected in or after 2017 should be directed to
hmdahelp@cfpb.gov.
Technical questions about reporting HMDA data collected in or before 2016 should be directed
to hmdahelp@frb.gov.

3. 2022 File Specifications
3.1

Introduction

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

3.2

Submission instructions

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

We recommend that HMDA filers use a modern browser, such as the latest version of
Google Chrome™, Mozilla® Firefox® , Internet Explorer® 11, Microsoft Edge™, or other
modern browsers.

The HMDA Platform will walk you through the loan/application register filing process.
Certification will also occur within the HMDA Platform. An authorized representative of your
institution with knowledge of the data submitted shall certify to the accuracy and completeness
of the data submitted.

3.3

Loan/Application Register format

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

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



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



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

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

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



Two-letter state codes;



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

As with previous submissions:


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



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



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

3.4

Information regarding data fields

Table 1 and Table 2 contain the data field name, data field type, valid values for numeric fields,
examples for alphanumeric fields, and the data point name, where applicable. Please refer to
Regulation C and the Data Specifications section for details regarding each data field.
TABLE 1:
SHEET)

FILING INSTITUTION, REPORTING PERIOD, AND CONTACT INFORMATION (TRANSMITTAL

Data Field
Number
1
2
3

Data Field
Name

Data Field
Type

Record Identifier
Numeric
– Value is 1
Financial
Alphanumeric
Institution Name
Calendar Year

Numeric

Valid
Values

Descriptions and Examples

1
Example:
Ficus Bank
Example:
2022

Data Field
Number

Data Field
Name

Calendar
Quarter

Contact
Person’s Name
Contact
Person’s
Telephone
Number
Contact
Person’s E-mail
Address
Contact
Person’s Office
Street Address
Contact
Person’s Office
City
Contact
Person’s Office
State
Contact
Person’s Office
ZIP Code

Data Field
Type

Numeric

Alphanumeric

Valid
Values

Descriptions and Examples
Description:
4. Annual submissions for all HMDA filers
f or covered loans and applications with
respect to which final action was taken
f rom January 1st (01/01) and December
31st (12/31)
Codes 1, 2, and 3 are used only during
quarterly f iling by institutions required to
report data quarterly 2. More information on
quarterly f iling is found in the Supplemental
Guide f or Quarterly Filers.
Example:
Erika Otis

Alphanumeric

Example:
999-999-9999

Alphanumeric

Example:
erikaotis@bank.com

Alphanumeric

Example:
4321 W Random Blvd Ste 201

Alphanumeric

Example:
Somecity

Alphanumeric

Example:
CA

Alphanumeric

Example:
90049-9998

Please see the Rescission of Statement of Policy on Supervisory and Enforcement Practices Response to COVID-19
Pandemic for more information on quarterly reporting.

Data Field
Number

TABLE 2:

Data
Field
Number
1

Data Field
Name

Data Field
Type

Federal Agency

Total Number of
Entries
Contained in
Submission
Federal
Taxpayer
Identif ication
Number
Legal Entity
Identif ier (LEI)

Valid
Values

1
2
3
5
7
9

Numeric

Descriptions and Examples
Descriptions:
1. Of f ice 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)

Numeric

Example:
5000

Alphanumeric

Example:
99-9999999

Alphanumeric;
Width is 20
characters

Example:
10BX939C5543TQA1144M

LOAN/APPLICATION REGISTER

Data Field
Name
Record
Identif ier –
Value is 2
Legal Entity
Identif ier
(LEI)

Data Field
Type

Valid
Values

Numeric

Alphanumeric;
Width is 20
characters

Descriptions and Examples

Data Point
Name

Example:
10BX939C5543TQA1144M

Legal Entity
Identif ier
(LEI)

Data
Field
Number

Data Field
Name
Universal
Loan
Identif ier
(ULI) or NonUniversal
Loan
Identif ier
(NULI)
Application
Date

Loan Type

Data Field
Type

Valid
Values

Alphanumeric;
Width up to 45
characters

Alphanumeric

Numeric

1
2
3
4

1
2
31
32
4
5

Loan
Purpose

Numeric

Preapproval

Numeric

1
2

Construction
Method

Numeric

1
2

Occupancy
Type

Numeric

1
2
3

Loan Amount

Numeric

Descriptions and Examples

Data Point
Name

Universal
Loan
Identif ier
ULI Example:
(ULI) or Non10BX939C5543TQA1144M999143X38
Universal
NULI Example:
Loan
999143X
Identif ier
(NULI)
Application
Example:
20220721 (or) NA
Date
Descriptions:
1. Conventional (not insured or
guaranteed by FHA, VA, RHS, or
FSA)
2. Federal Housing Administration
Loan Type
insured (FHA)
3. Veterans Affairs guaranteed (VA)
4. USDA Rural Housing Service or
Farm Service Agency guaranteed
(RHS or FSA)
Descriptions:
1. Home purchase
2. Home improvement
Loan Purpose
31. Ref inancing
32. Cash-out ref inancing
4. Other purpose
5. Not applicable
Descriptions:
Preapproval
1. Preapproval requested
2. Preapproval not requested
Descriptions:
Construction
1. Site-built
Method
2. Manuf actured Home
Descriptions:
Occupancy
1. Principal residence
Type
2. Second residence
3. Investment property
Example:
Loan Amount
110500 (or) 110500.00

Data
Field
Number

Data Field
Name

Data Field
Type

Action Taken

Numeric

Action Taken
Date

Numeric

Street
Address

Alphanumeric

City

Alphanumeric

State 3

Alphanumeric

ZIP Code

Alphanumeric

County

Alphanumeric

Census Tract

Alphanumeric

Valid
Values

1
2
3
4
5
6
7
8

Descriptions and Examples
Descriptions:
1. Loan originated
2. Application approved but not
accepted
3. Application denied
4. Application withdrawn by applicant
5. File closed for incompleteness
6. Purchased loan
7. Preapproval request denied
8. Preapproval request approved but
not accepted
Example:
20220721
Example:
456 W Somewhere Ave Apt 201 (or)
NA (or) Exempt
Example:
Anytown (or) NA (or) Exempt
Example:
CA (or) NA
Example:
90049-9998 (or) NA (or) Exempt
Example:
06037 (or) NA
Example:
06037264000 (or) NA

Reporting of the State data field is subject to the requirements of both Property Address, provided in
1003.4(a)(9)(i), and Property Location, provided in 1003.4(a)(9)(ii).

Data Point
Name

Action Taken

Action Taken
Date
Property
Address
Property
Address
Property
Location &
Property
Address
Property
Address
Property
Location
Property
Location

Data
Field
Number

Data Field
Name

Ethnicity of
Applicant or
Borrower: 1

Ethnicity of
Applicant or
Borrower: 2

Data Field
Type

Numeric

Valid
Values

1
11
12
13
14
2
3
4

1
11
12
13
14
2

Descriptions and Examples
Descriptions:
1. Hispanic or Latino
11. Mexican
12. Puerto Rican
13. Cuban
14. Other Hispanic or
Latino
2. Not Hispanic or Latino
3. Inf ormation not provided by
applicant in mail, internet, or
telephone application
4. Not applicable

Ethnicity

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 f or Other Hispanic or Latino,
either leave this data field blank or
enter Code 14.
Descriptions:
1. Hispanic or Latino
11. Mexican
12. Puerto Rican
13. Cuban
14. Other Hispanic or
Latino
2. Not Hispanic or Latino
If this data field does not contain an
entry, leave it blank.
If the Applicant or Borrower provided
ethnicity(ies) in the Ethnicity of
Applicant or Borrower: Free Form Text
Field f or Other Hispanic or Latino, and
did not select Code 14, either leave
this data field blank or enter Code 14.

Data Point
Name

Ethnicity

Data
Field
Number

Data Field
Name

Ethnicity of
Applicant or
Borrower: 3

Ethnicity of
Applicant or
Borrower: 4

Data Field
Type

Numeric

Valid
Values

1
11
12
13
14
2

Descriptions and Examples
Descriptions:
1. Hispanic or Latino
11. Mexican
12. Puerto Rican
13. Cuban
14. Other Hispanic or
Latino
2. Not Hispanic or Latino
If this data field does not contain an
entry, leave it blank.

Ethnicity

If the Applicant or Borrower provided
ethnicity(ies) in the Ethnicity of
Applicant or Borrower: Free Form Text
Field f or Other Hispanic or Latino, and
did not select Code 14, either leave
this data field blank or enter Code 14.
Descriptions:
1. Hispanic or Latino
11. Mexican
12. Puerto Rican
13. Cuban
14. Other Hispanic or
Latino
2. Not Hispanic or Latino
If this data field does not contain an
entry, leave it blank.
If the Applicant or Borrower provided
ethnicity(ies) in the Ethnicity of
Applicant or Borrower: Free Form Text
Field f or Other Hispanic or Latino, and
did not select Code 14, either leave
this data field blank or enter Code 14.

Data Point
Name

Ethnicity

Data
Field
Number

Data Field
Name

Ethnicity of
Applicant or
Borrower: 5

Data Field
Type

Numeric

Valid
Values

1
11
12
13
14
2

Descriptions and Examples

Data Point
Name

Descriptions:
1. Hispanic or Latino
11. Mexican
12. Puerto Rican
13. Cuban
14. Other Hispanic or
Latino
2. Not Hispanic or Latino
If this data field does not contain an
entry, leave it blank.

Ethnicity

Ethnicity of
Applicant or
Borrower:
Free Form
Text Field f or
Other
Hispanic or
Latino

Alphanumeric;
Width up to
100
characters

Specify in text the Applicant’s or
Borrower’s Other Hispanic or Latino
ethnicity(ies) provided by the Applicant
or Borrower. Otherwise, leave this data
field blank.

Ethnicity

Data
Field
Number

Data Field
Name

Ethnicity of
Co-Applicant
or CoBorrower: 1

Ethnicity of
Co-Applicant
or CoBorrower: 2

Data Field
Type

Numeric

Valid
Values

1
11
12
13
14
2
3
4
5

1
11
12
13
14
2

Data Point
Name

Ethnicity

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.
Descriptions:
1. Hispanic or Latino
11. Mexican
12. Puerto Rican
13. Cuban
14. Other Hispanic or
Latino
2. Not Hispanic or Latino
If this data field does not contain an
entry, leave it blank.
If the Co-Applicant or Co-Borrower
provided ethnicity(ies) in the Ethnicity
of Co-Applicant or Co-Borrower: Free
Form Text Field for Other Hispanic or
Latino, and did not select Code 14,
either leave this data field blank or
enter Code 14.

Ethnicity

Data
Field
Number

Data Field
Name

Ethnicity of
Co-Applicant
or CoBorrower: 3

Ethnicity of
Co-Applicant
or CoBorrower: 4

Data Field
Type

Numeric

Valid
Values

1
11
12
13
14
2

Descriptions and Examples

Data Point
Name

Descriptions:
1. Hispanic or Latino
11. Mexican
12. Puerto Rican
13. Cuban
14. Other Hispanic or
Latino
2. Not Hispanic or Latino
If this data field does not contain an
entry, leave it blank.

Ethnicity

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.
Descriptions:
1. Hispanic or Latino
11. Mexican
12. Puerto Rican
13. Cuban
14. Other Hispanic or
Latino
2. Not Hispanic or Latino
If this data field does not contain an
entry, leave it blank.
If the Co-Applicant or Co-Borrower
provided ethnicity(ies) in the Ethnicity
of Co-Applicant or Co-Borrower: Free
Form Text Field for Other Hispanic or
Latino, and did not select Code 14,
either leave this data field blank or
enter Code 14.

Ethnicity

Data
Field
Number

Data Field
Name

Ethnicity of
Co-Applicant
or CoBorrower: 5

Ethnicity of
Co-Applicant
or CoBorrower:
Free Form
Text Field f or
Other
Hispanic or
Latino
Ethnicity of
Applicant or
Borrower
Collected on
the Basis of
Visual
Observation
or Surname

Data Field
Type

Numeric

Valid
Values

1
11
12
13
14
2

Descriptions and Examples

Data Point
Name

Descriptions:
1. Hispanic or Latino
11. Mexican
12. Puerto Rican
13. Cuban
14. Other Hispanic or
Latino
2. Not Hispanic or Latino
If this data field does not contain an
entry, leave it blank.

Ethnicity

Alphanumeric;
Width up to
100
characters

Specify in text the Co-Applicant’s or
Co-Borrower’s Other Hispanic or
Latino ethnicity(ies) provided by the
Co-Applicant or Co-Borrower.
Otherwise, leave this data field blank.

Ethnicity

Numeric

Descriptions:
1. Collected on the basis of visual
observation or surname
2. Not collected on the basis of
visual observation or surname
3. Not applicable

Ethnicity

1
2
3

Data
Field
Number

Data Field
Name
Ethnicity of
Co-Applicant
or CoBorrower
Collected on
the Basis of
Visual
Observation
or Surname

Data Field
Type

Numeric

Valid
Values

Descriptions and Examples

Data Point
Name

1
2
3
4

Descriptions:
1. Collected on the basis of visual
observation or surname
2. Not collected on the basis of
visual observation or surname
3. Not applicable
4. No co-applicant

Ethnicity

Data
Field
Number

Data Field
Name

Race of
Applicant or
Borrower: 1

Data Field
Type

Numeric

Valid
Values

1
2
21
22
23
24
25
26
27
3
4
41
42
43
44
5
6
7

Descriptions and Examples
Descriptions:
1. American Indian or Alaska Native
2. Asian
21. Asian Indian
22. Chinese
23. Filipino
24. Japanese
25. Korean
26. Vietnamese
27. Other Asian
3. Black or African American
4. Native Hawaiian or Other Pacific
Islander
41. Native Hawaiian
42. Guamanian or
Chamorro
43. Samoan
44. Other Pacific
Islander
5. White
6. Inf ormation 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 f or Other Asian, and/or Race of
Applicant or Borrower: Free Form Text
Field f or Other Pacific Islander, either
leave this data field blank or enter, as
appropriate, Code 1, 27, or 44.

Data Point
Name

Race

Data
Field
Number

Data Field
Name

Race of
Applicant or
Borrower: 2

Data Field
Type

Numeric

Valid
Values

1
2
21
22
23
24
25
26
27
3
4
41
42
43
44
5

Descriptions and Examples
Descriptions:
1. American Indian or Alaska Native
2. Asian
21. Asian Indian
22. Chinese
23. Filipino
24. Japanese
25. Korean
26. Vietnamese
27. Other Asian
3. Black or African American
4. Native Hawaiian or Other Pacific
Islander
41. Native Hawaiian
42. Guamanian or
Chamorro
43. Samoan
44. Other Pacific
Islander
5. White
If this data field does not contain an
entry, leave it blank.
If the Applicant or Borrower provided
race(s) in the Race of Applicant or
Borrower: Free Form Text Field for
American Indian or Alaska Native
Enrolled or Principal Tribe, Race of
Applicant or Borrower: Free Form Text
Field f or Other Asian, and/or Race of
Applicant or Borrower: Free Form Text
Field f or 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.

Data Point
Name

Race

Data
Field
Number

Data Field
Name

Race of
Applicant or
Borrower: 3

Data Field
Type

Numeric

Valid
Values

1
2
21
22
23
24
25
26
27
3
4
41
42
43
44
5

Descriptions and Examples
Descriptions:
1. American Indian or Alaska Native
2. Asian
21. Asian Indian
22. Chinese
23. Filipino
24. Japanese
25. Korean
26. Vietnamese
27. Other Asian
3. Black or African American
4. Native Hawaiian or Other Pacific
Islander
41. Native Hawaiian
42. Guamanian or
Chamorro
43. Samoan
44. Other Pacific
Islander
5. White
If this data field does not contain an
entry, leave it blank.
If the Applicant or Borrower provided
race(s) in the Race of Applicant or
Borrower: Free Form Text Field for
American Indian or Alaska Native
Enrolled or Principal Tribe, Race of
Applicant or Borrower: Free Form Text
Field f or Other Asian, and/or Race of
Applicant or Borrower: Free Form Text
Field f or 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.

Data Point
Name

Race

Data
Field
Number

Data Field
Name

Race of
Applicant or
Borrower: 4

Data Field
Type

Numeric

Valid
Values

1
2
21
22
23
24
25
26
27
3
4
41
42
43
44
5

Descriptions and Examples
Descriptions:
1. American Indian or Alaska Native
2. Asian
21. Asian Indian
22. Chinese
23. Filipino
24. Japanese
25. Korean
26. Vietnamese
27. Other Asian
3. Black or African American
4. Native Hawaiian or Other Pacific
Islander
41. Native Hawaiian
42. Guamanian or
Chamorro
43. Samoan
44. Other Pacific
Islander
5. White
If this data field does not contain an
entry, leave it blank.
If the Applicant or Borrower provided
race(s) in the Race of Applicant or
Borrower: Free Form Text Field for
American Indian or Alaska Native
Enrolled or Principal Tribe, Race of
Applicant or Borrower: Free Form Text
Field f or Other Asian, and/or Race of
Applicant or Borrower: Free Form Text
Field f or 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.

Data Point
Name

Race

Data
Field
Number

Data Field
Name

Race of
Applicant or
Borrower: 5

Data Field
Type

Numeric

Valid
Values

1
2
21
22
23
24
25
26
27
3
4
41
42
43
44
5

Descriptions and Examples
Descriptions:
1. American Indian or Alaska Native
2. Asian
21. Asian Indian
22. Chinese
23. Filipino
24. Japanese
25. Korean
26. Vietnamese
27. Other Asian
3. Black or African American
4. Native Hawaiian or Other Pacific
Islander
41. Native Hawaiian
42. Guamanian or
Chamorro
43. Samoan
44. Other Pacific
Islander
5. White
If this data field does not contain an
entry, leave it blank.
If the Applicant or Borrower provided
race(s) in the Race of Applicant or
Borrower: Free Form Text Field for
American Indian or Alaska Native
Enrolled or Principal Tribe, Race of
Applicant or Borrower: Free Form Text
Field f or Other Asian, and/or Race of
Applicant or Borrower: Free Form Text
Field f or 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.

Data Point
Name

Race

Data
Field
Number

Data Field
Name
Race of
Applicant or
Borrower:
Free Form
Text Field f or
American
Indian or
Alaska Native
Enrolled or
Principal
Tribe
Race of
Applicant or
Borrower:
Free Form
Text Field f or
Other Asian
Race of
Applicant or
Borrower:
Free Form
Text Field f or
Other Pacif ic
Islander

Data Field
Type

Valid
Values

Descriptions and Examples

Data Point
Name

Alphanumeric;
Width up to
100
characters

Specify in text the Applicant’s or
Borrower’s American Indian or Alaska
Native Enrolled or Principal Tribe if
provided by the Applicant or Borrower.
Otherwise, leave this data field blank.

Race

Alphanumeric;
Width up to
100
characters

Specify in text the Applicant’s or
Borrower’s Other Asian race(s)
provided by the Applicant or Borrower.
Otherwise, leave this data field blank.

Race

Alphanumeric;
Width up to
100
characters

Specify in text the Applicant’s or
Borrower’s Other Pacific Islander
race(s) provided by the Applicant or
Borrower. Otherwise, leave this data
field blank.

Race

Data
Field
Number

Data Field
Name

Race of CoApplicant or
Co-Borrower:
1

Data Field
Type

Numeric

Valid
Values

1
2
21
22
23
24
25
26
27
3
4
41
42
43
44
5
6
7
8

Descriptions and Examples
Descriptions:
1. American Indian or Alaska Native
2. Asian
21. Asian Indian
22. Chinese
23. Filipino
24. Japanese
25. Korean
26. Vietnamese
27. Other Asian
3. Black or African American
4. Native Hawaiian or Other Pacific
Islander
41. Native Hawaiian
42. Guamanian or Chamorro
43. Samoan
44. Other Pacific
Islander
5. White
6. Inf ormation 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 CoApplicant or Co-Borrower: Free Form
Text Field f or American Indian or
Alaska Native Enrolled or Principal
Tribe, Race of Co-Applicant or CoBorrower: Free Form Text Field for
Other Asian, and/or Race of CoApplicant or Co-Borrower: Free Form
Text Field f or Other Pacific Islander,
either leave this data field blank or
enter, as appropriate, Code 1, 27, or
44.

Data Point
Name

Race

Data
Field
Number

Data Field
Name

Race of CoApplicant or
Co-Borrower:
2

Data Field
Type

Numeric

Valid
Values

1
2
21
22
23
24
25
26
27
3
4
41
42
43
44
5

Descriptions and Examples
Descriptions:
1. American Indian or Alaska Native
2. Asian
21. Asian Indian
22. Chinese
23. Filipino
24. Japanese
25. Korean
26. Vietnamese
27. Other Asian
3. Black or African American
4. Native Hawaiian or Other Pacific
Islander
41. Native Hawaiian
42. Guamanian or
Chamorro
43. Samoan
44. Other Pacific
Islander
5. White
If this data field does not contain an
entry, leave it blank.
If the Co-Applicant or Co-Borrower
provided race(s) in the Race of CoApplicant or Co-Borrower: Free Form
Text Field f or American Indian or
Alaska Native Enrolled or Principal
Tribe, Race of Co-Applicant or CoBorrower: Free Form Text Field for
Other Asian, and/or Race of CoApplicant or Co-Borrower: Free Form
Text Field f or 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.

Data Point
Name

Race

Data
Field
Number

Data Field
Name

Race of CoApplicant or
Co-Borrower:
3

Data Field
Type

Numeric

Valid
Values

1
2
21
22
23
24
25
26
27
3
4
41
42
43
44
5

Descriptions and Examples
Descriptions:
1. American Indian or Alaska Native
2. Asian
21. Asian Indian
22. Chinese
23. Filipino
24. Japanese
25. Korean
26. Vietnamese
27. Other Asian
3. Black or African American
4. Native Hawaiian or Other Pacific
Islander
41. Native Hawaiian
42. Guamanian or
Chamorro
43. Samoan
44. Other Pacific
Islander
5. White
If this data field does not contain an
entry, leave it blank.
If the Co-Applicant or Co-Borrower
provided race(s) in the Race of CoApplicant or Co-Borrower: Free Form
Text Field f or American Indian or
Alaska Native Enrolled or Principal
Tribe, Race of Co-Applicant or CoBorrower: Free Form Text Field for
Other Asian, and/or Race of CoApplicant or Co-Borrower: Free Form
Text Field f or 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.

Data Point
Name

Race

Data
Field
Number

Data Field
Name

Race of CoApplicant or
Co-Borrower:
4

Data Field
Type

Numeric

Valid
Values

1
2
21
22
23
24
25
26
27
3
4
41
42
43
44
5

Descriptions and Examples
Descriptions:
1. American Indian or Alaska Native
2. Asian
21. Asian Indian
22. Chinese
23. Filipino
24. Japanese
25. Korean
26. Vietnamese
27. Other Asian
3. Black or African American
4. Native Hawaiian or Other Pacific
Islander
41. Native Hawaiian
42. Guamanian or
Chamorro
43. Samoan
44. Other Pacific
Islander
5. White
If this data field does not contain an
entry, leave it blank.
If the Co-Applicant or Co-Borrower
provided race(s) in the Race of CoApplicant or Co-Borrower: Free Form
Text Field f or American Indian or
Alaska Native Enrolled or Principal
Tribe, Race of Co-Applicant or CoBorrower: Free Form Text Field for
Other Asian, and/or Race of CoApplicant or Co-Borrower: Free Form
Text Field f or 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.

Data Point
Name

Race

Data
Field
Number

Data Field
Name

Race of CoApplicant or
Co-Borrower:
5

Data Field
Type

Numeric

Valid
Values

1
2
21
22
23
24
25
26
27
3
4
41
42
43
44
5

Descriptions and Examples
Descriptions:
1. American Indian or Alaska Native
2. Asian
21. Asian Indian
22. Chinese
23. Filipino
24. Japanese
25. Korean
26. Vietnamese
27. Other Asian
3. Black or African American
4. Native Hawaiian or Other Pacific
Islander
41. Native Hawaiian
42. Guamanian or
Chamorro
43. Samoan
44. Other Pacific
Islander
5. White
If this data field does not contain an
entry, leave it blank.
If the Co-Applicant or Co-Borrower
provided race(s) in the Race of CoApplicant or Co-Borrower: Free Form
Text Field f or American Indian or
Alaska Native Enrolled or Principal
Tribe, Race of Co-Applicant or CoBorrower: Free Form Text Field for
Other Asian, and/or Race of CoApplicant or Co-Borrower: Free Form
Text Field f or 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.

Data Point
Name

Race

Data
Field
Number

Data Field
Name
Race of CoApplicant or
Co-Borrower:
Free Form
Text Field f or
American
Indian or
Alaska Native
Enrolled or
Principal
Tribe
Race of CoApplicant or
Co-Borrower:
Free Form
Text Field f or
Other Asian
Race of CoApplicant or
Co-Borrower:
Free Form
Text Field f or
Other Pacif ic
Islander
Race of
Applicant or
Borrower
Collected on
the Basis of
Visual
Observation
or Surname
Race of CoApplicant or
Co-Borrower
Collected on
the Basis of
Visual
Observation
or Surname

Data Field
Type

Descriptions and Examples

Data Point
Name

Alphanumeric;
Width up to
100
characters

Specify in text the Co-Applicant’s or
Co-Borrower’s American Indian or
Alaska Native Enrolled or Principal
Tribe if provided by the Co-Applicant
or Co-Borrower. Otherwise, leave this
data field blank.

Race

Alphanumeric;
Width up to
100
characters

Specify in text the Co-Applicant’s or
Co-Borrower’s Other Asian race(s)
provided by the Co-Applicant or CoBorrower. Otherwise, leave this data
field blank.

Race

Alphanumeric;
Width up to
100
characters

Specify in text the Co-Applicant’s or
Co-Borrower’s Other Pacific Islander
race(s) provided by the Co-Applicant
or Co-Borrower. Otherwise, leave this
data field blank.

Race

Numeric

1
2
3

Descriptions:
1. Collected on the basis of visual
observation or surname
2. Not collected on the basis of visual
observation or surname
3. Not applicable

Race

1
2
3
4

Descriptions:
1. Collected on the basis of visual
observation or surname
2. Not collected on the basis of
visual observation or surname
3. Not applicable
4. No co-applicant

Race

Numeric

Valid
Values

Data
Field
Number

Data Field
Name

Sex of
Applicant or
Borrower

Sex of CoApplicant or
Co-Borrower

Sex of
Applicant or
Borrower
Collected on
the Basis of
Visual
Observation
or Surname
Sex of CoApplicant or
Co-Borrower
Collected on
the Basis of
Visual
Observation
or Surname
Age of
Applicant or
Borrower

Data Field
Type

Valid
Values

Numeric

1
2
3
4
6

Numeric

1
2
3
4
5
6

Numeric

Descriptions and Examples
Descriptions:
1. Male
2. Female
3. Inf ormation not provided by
applicant in mail, internet, or
telephone application
4. Not applicable
6. Applicant selected both male and
f emale
Descriptions:
1. Male
2. Female
3. Inf ormation not provided by
applicant in mail, internet, or
telephone application
4. Not applicable
5. No co-applicant
6. Co-applicant selected both male
and f emale

Data Point
Name

Sex

1
2
3

Descriptions:
1. Collected on the basis of visual
observation or surname
2. Not collected on the basis of
visual observation or surname
3. Not applicable

Sex

1
2
3
4

Descriptions:
1. Collected on the basis of visual
observation or surname
2. Not collected on the basis of
visual observation or surname
3. Not applicable
4. No co-applicant

Sex

8888

Example: 24
(or)
Descriptions:
8888. Not applicable

Age

Data
Field
Number

Data Field
Name

Age of CoApplicant or
Co-Borrower

Numeric

Income

Alphanumeric

Data Field
Type

Valid
Values

8888
9999

0
1
2
3
4
5
6
71
72
8
9

Type of
Purchaser

Numeric

Rate Spread

Alphanumeric

HOEPA
Status

Numeric

1
2
3

Lien Status

Numeric

1
2

Credit Score
of Applicant
or Borrower

Numeric

7777
8888
1111

Descriptions and Examples
Example: 24
(or)
Descriptions:
8888. Not applicable
9999. No co-applicant
Example:
36 (or) -36 (or) NA
Descriptions:
0. Not applicable
1. Fannie Mae
2. Ginnie Mae
3. Freddie Mac
4. Farmer Mac
5. Private securitizer
6. Commercial bank, savings bank,
or savings association
71. Credit union, mortgage company,
or f inance company
72. Lif e insurance
company
8. Af filiate institution
9. Other type of purchaser
Example:
0.428 (or) -0.428 (or) NA (or) Exempt
Descriptions:
1. High-cost mortgage
2. Not a high-cost mortgage
3. Not applicable
Descriptions:
1. Secured by a f irst lien
2. Secured by a subordinate lien
Example: 650
(or)
Descriptions:
7777. Credit score is not a number
8888. Not applicable
1111. Exempt

Data Point
Name

Age

Income

Type of
Purchaser

Rate Spread
HOEPA
Status

Lien Status

Credit Score

Data
Field
Number

Data Field
Name

Credit Score
of CoApplicant or
Co-Borrower

Data Field
Type

Numeric

Applicant or
Borrower,
Name and
Version of
Credit
Scoring
Model

Numeric

Applicant or
Borrower,
Name and
Version of
Credit
Scoring
Model:
Conditional
Free Form
Text Field f or
Code 8

Alphanumeric;
Width up to
100
characters

Valid
Values
7777
8888
9999
1111

1
2
3
4
5
6
7
8
9
11
1111

Descriptions and Examples
Example: 650
(or)
Descriptions:
7777. Credit score is not a number
8888. Not applicable
9999. No co-applicant
1111. Exempt
Descriptions:
1. Equifax Beacon 5.0
2. Experian Fair Isaac Risk Model v2
3. TransUnion FICO Risk Score
Classic 04
4. TransUnion FICO Risk Score
Classic 98
5. VantageScore 2.0
6. VantageScore 3.0
7. More than one credit scoring
model
8. Other credit scoring model
9. Not applicable
11. FICO Score 9
1111. Exempt

Specify in text the applicant’s or
borrower’s Other credit scoring model
if 8 is entered. Otherwise, leave this
data field blank.

Data Point
Name

Credit Score

Data
Field
Number

Data Field
Name

Data Field
Type

Co-Applicant
or CoBorrower,
Name and
Version of
Credit
Scoring
Model

Numeric

Co-Applicant
or CoBorrower,
Name and
Version of
Credit
Scoring
Model:
Conditional
Free Form
Text Field f or
Code 8

Alphanumeric;
Width up to
100
characters

Valid
Values

Descriptions and Examples

Data Point
Name

1
2
3
4
5
6
7
8
9
10
11
1111

Descriptions:
1. Equifax Beacon 5.0
2. Experian Fair Isaac Risk Model v2
3. TransUnion FICO Risk Score
Classic 04
4. TransUnion FICO Risk Score
Classic 98
5. VantageScore 2.0
Credit Score
6. VantageScore 3.0
7. More than one credit scoring
model
8. Other credit scoring model
9. Not applicable
10. No co-applicant
11. FICO Score 9
1111. Exempt

Specify in text the co-applicant’s or coborrower’s Other credit scoring model
Credit Score
if 8 is entered. Otherwise, leave this
data field blank.

Data
Field
Number

Data Field
Name

Reason f or
Denial: 1

Reason f or
Denial: 2

Data Field
Type

Numeric

Valid
Values

1
2
3
4
5
6
7
8
9
10
1111

1
2
3
4
5
6
7
8
9

Descriptions and Examples
Descriptions:
1. Debt-to-income ratio
2. Employment history
3. Credit history
4. Collateral
5. Insuf ficient cash (downpayment,
closing costs)
6. Unverif iable information
7. Credit application incomplete
8. Mortgage insurance denied
9. Other
10. Not applicable
1111. Exempt
Descriptions:
1. Debt-to-income ratio
2. Employment history
3. Credit history
4. Collateral
5. Insuf ficient cash (downpayment,
closing costs)
6. Unverif iable information
7. Credit application incomplete
8. Mortgage insurance denied
9. Other
If this data field does not contain an
entry, leave it blank

Data Point
Name

Reason f or
Denial

Data
Field
Number

Data Field
Name

Reason f or
Denial: 3

Reason f or
Denial: 4

Data Field
Type

Numeric

Valid
Values

1
2
3
4
5
6
7
8
9

Descriptions and Examples
Descriptions:
1. Debt-to-income ratio
2. Employment history
3. Credit history
4. Collateral
5. Insuf ficient cash (downpayment,
closing costs)
6. Unverif iable information
7. Credit application incomplete
8. Mortgage insurance denied
9. Other
If this data field does not contain an
entry, leave it blank
Descriptions:
1.Debt-to-income ratio
2. Employment history
3. Credit history
4. Collateral
5. Insuf ficient cash (downpayment,
closing costs)
6. Unverif iable information
7. Credit application incomplete
8. Mortgage insurance denied
9. Other

Data Point
Name

Reason f or
Denial

If this data field does not contain an
entry, leave it blank

Reason f or
Denial:
Conditional
Free Form
Text Field f or
Code 9

Total Loan
Costs

Alphanumeric;
Width up to
255
characters

Specify in text the Other Denial
Reason(s) if Code 9 is entered.
Otherwise, leave this data field blank.

Reason f or
Denial

Alphanumeric

Example:
2399.04 (or) NA (or) Exempt

Total Loan
Costs or Total
Points and
Fees

Data
Field
Number

Data Field
Name

Total Points
and Fees

Alphanumeric

Origination
Charges

Alphanumeric

Discount
Points

Alphanumeric

Lender
Credits

Alphanumeric

Interest Rate

Alphanumeric

79
80
81

Prepayment
Penalty Term
Debt-toIncome Ratio
Combined
Loan-toValue Ratio

Data Field
Type

Valid
Values

Example:
2399.04 (or) NA (or) Exempt
Example:
2399.04 (or) NA (or) Exempt
Example:
2399.04 (or) NA (or) Exempt
If no points were paid, leave this data
f ield blank
Example:
1500.24 (or) NA (or) Exempt
If no lender credits were provided,
leave this data field blank
Example:
4.125 (or) NA (or) Exempt
Example:
24 (or) NA (or) Exempt
Example:
42.95 (or) -42.95 (or) NA (or) Exempt

Alphanumeric
Alphanumeric

Example:
80.05 (or) NA (or) Exempt

Alphanumeric

Loan Term

Alphanumeric

Introductory
Rate Period

Alphanumeric

Balloon
Payment

Numeric

1
2
1111

Interest-Only
Payments

Numeric

1
2
1111

Descriptions and Examples

Example:
360 (or) NA (or) Exempt
Example:
24 (or) NA (or) Exempt
Descriptions:
1. Balloon payment
2. No balloon payment
1111. Exempt
Descriptions:
1. Interest-only payments
2. No interest-only payments
1111. Exempt

Data Point
Name
Total Loan
Costs or Total
Points and
Fees
Origination
Charges
Discount
Points

Lender
Credits

Interest Rate
Prepayment
Penalty Term
Debt-toIncome Ratio
Combined
Loan-to-Value
Ratio
Loan Term
Introductory
Rate Period
NonAmortizing
Features
NonAmortizing
Features

Data
Field
Number

Data Field
Name

Negative
Amortization

Other NonAmortizing
Features

Property
Value
Manuf actured
Home
Secured
Property
Type

Data Field
Type

Valid
Values

Numeric

1
2
1111

Numeric

1
2
1111

Alphanumeric

Numeric

1
2
3
1111

Manuf actured
Home Land
Property
Interest

Numeric

1
2
3
4
5
1111

Total Units

Numeric

Multif amily
Af fordable
Units

Alphanumeric

Submission
Numeric
of Application

1
2
3
1111

Descriptions and Examples
Descriptions:
1. Negative amortization
2. No negative amortization
1111. Exempt
Descriptions:
1. Other non-f ully amortizing features
2. No other non-fully amortizing
f eatures
1111. Exempt
Example:
350500 (or) NA (or) Exempt
Descriptions:
1. Manuf actured home and land
2. Manuf actured home and not land
3. Not applicable
1111. Exempt
Descriptions:
1. Direct ownership
2. Indirect ownership
3. Paid leasehold
4. Unpaid leasehold
5. Not applicable
1111. Exempt
Example:
5

Data Point
Name
NonAmortizing
Features
NonAmortizing
Features
Property
Value
Manuf actured
Home
Secured
Property Type

Manuf actured
Home Land
Property
Interest

Total Units

Example:
5 (or) NA (or) Exempt

Multif amily
Af fordable
Units

Descriptions:
1. Submitted directly to your
institution
2. Not submitted directly to your
institution
3. Not applicable
1111. Exempt

Application
Channel

Data
Field
Number

Data Field
Name

Initially
Payable to
Your
Institution

Mortgage
Loan
Originator
NMLSR
Identif ier

Automated
Underwriting
System: 1

Automated
Underwriting
System: 2

Data Field
Type

Valid
Values

Descriptions and Examples

Data Point
Name

Numeric

1
2
3
1111

Descriptions:
1. Initially payable to your institution
2. Not initially payable to your
institution
3. Not applicable
1111. Exempt

Application
Channel

Example:
123450 (or) NA (or) Exempt

Mortgage
Loan
Originator
NMLSR
Identif ier

Alphanumeric

Numeric

1
2
3
4
5
6
7
1111

1
2
3
4
5
7

Descriptions:
1. Desktop Underwriter (DU)
2. Loan Prospector (LP) or Loan
Product Advisor
3. Technology Open to Approved
Lenders (TOTAL) Scorecard
4. Guaranteed Underwriting System
(GUS)
5. Other
6. Not applicable
7. Internal Proprietary System
1111. Exempt
Descriptions:
1. Desktop Underwriter (DU)
2. Loan Prospector (LP) or Loan
Product Advisor
3. Technology Open to Approved
Lenders (TOTAL) Scorecard
4. Guaranteed Underwriting System
(GUS)
5. Other
7. Internal Proprietary System
If this data field does not contain an
entry, leave it blank

Automated
Underwriting
System

Data
Field
Number

100

Data Field
Name

Automated
Underwriting
System: 3

Automated
Underwriting
System: 4

Automated
Underwriting
System: 5

Data Field
Type

Numeric

Valid
Values

1
2
3
4
5
7

Descriptions and Examples
Descriptions:
1. Desktop Underwriter (DU)
2. Loan Prospector (LP) or Loan
Product Advisor
3. Technology Open to Approved
Lenders (TOTAL) Scorecard
4. Guaranteed Underwriting System
(GUS)
5. Other
7. Internal Proprietary System
If this data field does not contain an
entry, leave it blank
Descriptions:
1. Desktop Underwriter (DU)
2. Loan Prospector (LP) or Loan
Product Advisor
3. Technology Open to Approved
Lenders (TOTAL) Scorecard
4. Guaranteed Underwriting System
(GUS)
5. Other
7. Internal Proprietary System
If this data field does not contain an
entry, leave it blank
Descriptions:
1. Desktop Underwriter (DU)
2. Loan Prospector (LP) or Loan
Product Advisor
3. Technology Open to Approved
Lenders (TOTAL) Scorecard
4. Guaranteed Underwriting System
(GUS)
5. Other
7. Internal Proprietary System
If this data field does not contain an
entry, leave it blank

Data Point
Name

Automated
Underwriting
System

Data
Field
Number

101

102

Data Field
Name

Data Field
Type

Automated
Underwriting
System:
Conditional
Free Form
Text Field f or
Code 5

Automated
Underwriting
System
Result: 1

Valid
Values

Descriptions and Examples

Data Point
Name

Alphanumeric;
Width up to
255
characters

Specify in text the Other Automated
Underwriting System(s) if 5 is entered.
Otherwise, leave this data field blank.

Automated
Underwriting
System

Numeric

Descriptions:
1. Approve/Eligible
2. Approve/Ineligible
3. Ref er/Eligible
4. Ref er/Ineligible
5. Ref er with Caution
6. Out of Scope
7. Error
8. Accept
9. Caution
10. Ineligible
11. Incomplete
12. Invalid
13. Ref er
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. Ref er with Caution/Eligible
22. Ref er with Caution/Ineligible
23. Ref er/Unable to Determine
24. Ref er with Caution/Unable to
Determine
1111. Exempt

Automated
Underwriting
System

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
1111

Data
Field
Number

103

Data Field
Name

Automated
Underwriting
System
Result: 2

Data Field
Type

Numeric

Valid
Values

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
18
19
20
21
22
23
24

Descriptions and Examples
Descriptions:
1. Approve/Eligible
2. Approve/Ineligible
3. Ref er/Eligible
4. Ref er/Ineligible
5. Ref er with Caution
6. Out of Scope
7. Error
8. Accept
9. Caution
10. Ineligible
11. Incomplete
12. Invalid
13. Ref er
14. Eligible
15. Unable to Determine
or Unknown
16. Other
18. Accept/Eligible
19. Accept/Ineligible
20. Accept/Unable to Determine
21. Ref er with Caution/Eligible
22. Ref er with Caution/Ineligible
23. Ref er/Unable to Determine
24. Ref er with Caution/Unable to
Determine
If this data field does not contain an
entry, leave it blank

Data Point
Name

Automated
Underwriting
System

Data
Field
Number

104

Data Field
Name

Automated
Underwriting
System
Result: 3

Data Field
Type

Numeric

Valid
Values

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
18
19
20
21
22
23
24

Data Point
Name

Automated
Underwriting
System

Data
Field
Number

105

Data Field
Name

Automated
Underwriting
System
Result: 4

Data Field
Type

Numeric

Valid
Values

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
18
19
20
21
22
23
24

Data Point
Name

Automated
Underwriting
System

Data
Field
Number

106

Data Field
Name

Automated
Underwriting
System
Result: 5

Data Field
Type

Numeric

Valid
Values

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
18
19
20
21
22
23
24

Data Point
Name

Automated
Underwriting
System

If this data field does not contain an
entry, leave it blank

107

Automated
Underwriting
System
Result:
Conditional
Free Form
Text Field f or
Code 16

Alphanumeric;
Width up to
255
characters

Specify in text the Other Automated
Underwriting System Result(s) if 16 is
entered. Otherwise, leave this data
field blank.

Automated
Underwriting
System

Data
Field
Number

Data Field
Name

108

Reverse
Mortgage

109

Open-End
Line of Credit

110

Business or
Commercial
Purpose

Data Field
Type

Valid
Values

Numeric

1
2
1111

Numeric

1
2
1111

Numeric

1
2
1111

Descriptions and Examples
Descriptions:
1. Reverse mortgage
2. Not a reverse mortgage
1111. Exempt
Descriptions:
1. Open-end line of credit
2. Not an open-end line of credit
1111. Exempt
Descriptions:
1. Primarily for a business or
commercial purpose
2. Not primarily for a business or
commercial purpose
1111. Exempt

Data Point
Name
Reverse
Mortgage

Open-End
Line of Credit

Business or
Commercial
Purpose

4. 2022 Data Specifications
4.1

Introduction

This section provides instructions on entering data in the loan/application register for HMDA
data collected in 2022. This document is not a substitute for Regulation C. Refer to Regulation C
for a complete explanation of the reporting requirement for each data field.
Data fields are presented in the order they are recorded in the loan/application register. Data
fields are identified by the corresponding 2022 File Specifications table and data field number,
followed by the Regulation C paragraph containing the relevant reporting requirements. For
example, (1-2) Paragraph 5(a)(3)(i) refers to the data field listed in table 1, data field 2 in the
2022 File Specifications document, and the reporting requirement found at 12 CFR
§ 1003.5(a)(3)(i). The blue underlined words provide hyperlinks to the referenced Regulation C
paragraph.

4.2

Data format and itemization

4.2.1 Filing institution, reporting period, and contact
information
Please provide the following information regarding your institution in the format described in
each paragraph below.

(1-2) Paragraph 5(a)(3)(i)—Financial Institution.
Enter the name of the financial institution that is submitting HMDA data.
Example: If the submission contains HMDA data for Ficus Bank, enter Ficus Bank.

(1-3 to 1-4) Paragraph 5(a)(3)(ii)—Calendar Year and Calendar Quarter.
1. Calendar Year. Enter, in numeral form, the calendar year the data submission covers, using
YYYY format.
Example: If the data covers calendar year 2022, enter 2022.
2. Calendar Quarter. Indicate the calendar quarter the data submission covers by entering
the applicable Code from the following:
Code 4—Annual submissions for covered loans and applications with respect to which final
action was taken from January 1 (01/01) and December 31 (12/31)
a. Codes for individual calendar quarters (1-3) are used only by financial institutions required to
report HMDA data quarterly effective January 1, 2022. Further instructions for reporting
quarterly data can be found in the Supplemental Guide for Quarterly Filers.

(1-5 to 1-11) Paragraph 5(a)(3)(iii)—Contact Person.
Enter the name, telephone number, e-mail address, and office address of a person who may be
contacted with questions about your institution’s submission.
1. Contact Person’s Name.
Example: If the contact person’s name is Erika Otis, enter Erika Otis.
2. Contact Person’s Telephone Number.
Example: If the phone number is (999) 999-9999, enter 999-999-9999.
3. Contact Person’s E-mail Address.
Example: If the e-mail address is erikaotis@bank.com, enter erikaotis@bank.com.
4. Contact Person’s Office Address. Enter the street address, city, state, and ZIP code.

Example:
Street Address

City

State

ZIP Code

4321 W Random Blvd Ste 201 Somecity CA 90049-9998
a. Contact Person’s Office Street Address. Enter the street address of the
contact person’s office as one (1) data field. U.S. Postal Service Publication 28, SubSections 231–239 can be used as a guide for formatting the street address. Address
components include, as applicable, the following individual items:


Primary Address Number



Predirectional



Street Name



Prefix



Suffix



Postdirectional



Secondary Address Identifier, such as suite



Secondary Address, such as suite number

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

a. Contact Person’s Office City. Enter the city of the contact person’s office as
one (1) data field.
b. Contact Person’s Office State. Enter the two-letter state code of the contact
person’s office as one (1) data field.
c. Contact Person’s Office ZIP Code. Enter the ZIP code of the contact person’s
office as one (1) data field.
d. Non-Standard Addressing. U.S. Postal Service Publication 28, Sub-Sections 24,
25, and 29, respectively, can be used as guides for formatting non-standard style
addressing including rural route, Highway Contract Route, and Puerto Rico
addresses.
e. The following address formats are generally not preferred:


General Delivery addresses, such as General Delivery, Anytown, CA 900499998.



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



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

(1-12) Paragraph 5(a)(3)(iv)—Federal Agency.
Indicate your financial institution’s appropriate Federal agency by entering the applicable Code
from the following:
Code 1—Office of the Comptroller of the Currency (OCC)
Code 2—Federal Reserve System (FRS)
Code 3—Federal Deposit Insurance Corporation (FDIC)
Code 5—National Credit Union Administration (NCUA)
Code 7—United States Department of Housing and Urban Development (HUD)

Code 9—Consumer Financial Protection Bureau (Bureau)

(1-13) Paragraph 5(a)(3)(v)—Total Number of Entries Contained in Submission.
Enter, in numeral form, the total number of entries contained in the submission.
Example: If your institution is submitting 5,000 entries, enter 5000.

(1-14) Paragraph 5(a)(3)(vi)—Federal Taxpayer Identification Number.
Enter your financial institution’s Federal Taxpayer Identification Number.
Example: If your institution’s Federal Taxpayer Identification number is 99-9999999, enter
99-9999999.

(1-15 and 2-2) Paragraph 5(a)(3)(vii)—Legal Entity Identifier (LEI).
Enter your financial institution’s LEI as defined in Paragraph 4(a)(1)(i)(A).
Example: If your institution’s LEI is 10BX939C5543TQA1144M, enter
10BX939C5543TQA1144M.

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

(2-3) Paragraph 4(a)(1)(i)—Universal Loan Identifier (ULI) or Non-Universal Loan Identifier
(NULI)
Enter the ULI assigned to the covered loan or application. Your financial institution shall assign
56

and report a ULI that:
1. Begins with the financial institution’s Legal Entity Identifier as defined in Paragraph
4(a)(1)(i)(A).
2. Follows the Legal Entity Identifier with up to 23 additional characters to identify the covered
loan or application, which:


May be letters, numerals, or a combination of letters and numerals;



Must be unique within the financial institution; and



Must not include any information that could be used to directly identify the
applicant or borrower.

3. Ends with a two-character check digit that is calculated using the ISO/IEC 7064, MOD 97-10
as it appears on the International Standard ISO/IEC 7064:2003, which is published by the
International Organization for Standardization (ISO). A check digit can be generated by:


Using the check digit tool. Information regarding the check digit tool is located
at https://ffiec.cfpb.gov/tools/check-digit; or



Applying the procedures provided in Appendix C to Regulation C.

Example:
1 0 B X 9 39 C5 5 43T QA 1 14 4M 999 14 3X38
LEI

Loan
Check
or
Digit
Application
Identifier

4. If, pursuant to the 2018 HMDA Rule, your institution is not reporting ULI, enter a NULI
assigned to the covered loan or application. Your financial institution shall assign and report an
identifier that:



Is composed of up to 22 characters;



May be letters, numerals, or a combination of letters and numerals;



Must be unique within the insured depository institution or insured credit

union; and


Must not include any information that could be used to directly identify the
applicant or borrower.

(2-4) Paragraph 4(a)(1)(ii)—Application Date.
Enter, in numeral form, the date the application was received or the date shown on the
application form by year, month, and day, using YYYYMMDD format.
Example: If the application was received on July 21, 2022, enter 20220721.
a. Enter “NA” if the requirement to report application date is not applicable to the
covered loan or application that your institution is reporting.

(2-5) Paragraph 4(a)(2)—Loan Type.
Indicate the type of covered loan or application by entering the applicable Code from the
following:
Code 1—Conventional (not insured or guaranteed by FHA, VA, RHS, or FSA)
Code 2—Federal Housing Administration insured (FHA)
Code 3—Veterans Affairs guaranteed (VA)
Code 4—USDA Rural Housing Service or Farm Service Agency guaranteed (RHS or FSA)

(2-6) Paragraph 4(a)(3)—Loan Purpose.
Indicate the purpose of the covered loan or application by entering the applicable Code from the
following:
Code 1—Home purchase

Code 2—Home improvement
Code 31—Refinancing
Code 32—Cash-out refinancing
Code 4—Other purpose
Code 5—Not applicable

(2-7) Paragraph 4(a)(4)—Preapproval.
Indicate whether the covered loan or application involved a request for a preapproval of a home
purchase loan under a preapproval program by entering the applicable Code from the following:
Code 1—Preapproval requested
Code 2—Preapproval not requested

(2-8) Paragraph 4(a)(5)—Construction Method.
Indicate the construction method for the dwelling by entering the applicable Code from the
following:
Code 1—Site-built
Code 2—Manufactured home

(2-9) Paragraph 4(a)(6)—Occupancy Type.
Indicate the occupancy type by entering the applicable Code from the following:
Code 1—Principal residence
Code 2—Second residence

Code 3—Investment property

(2-10) Paragraph 4(a)(7)—Loan Amount.
Enter, in dollars, the amount of the covered loan, or the amount applied for, as applicable.
Example: If the loan amount is $110,500, enter 110500 or 110500.00. If the loan amount is
$110,500.24, enter 110500.24.

(2-11) Paragraph 4(a)(8)(i)—Action Taken.
Indicate the action taken on the covered loan or application by entering the applicable Code
from the following:
Code 1—Loan originated
Code 2—Application approved but not accepted
Code 3—Application denied
Code 4—Application withdrawn by applicant
Code 5—File closed for incompleteness
Code 6—Purchased loan
Code 7—Preapproval request denied
Code 8—Preapproval request approved but not accepted

(2-12) Paragraph 4(a)(8)(ii)—Action Taken Date.
Enter, in numeral form, the date of action taken by year, month, and day, using YYYYMMDD
format.

Example: If the action taken date is July 21, 2022, enter 20220721.

(2-13 to 2-18) Paragraph 4(a)(9)—Location of Property Securing (or Proposed to Secure) the
Covered Loan.
Enter the location of the property securing the covered loan or, in the case of an application,
proposed to secure the covered loan.
Property Address Securing (or Proposed to Secure) the Covered Loan.

Example:
Street

City

State

ZIP Code

456 W Somewhere Ave Apt 201 Anytown CA 90049-9998
1. Street Address. Enter the street address of the property as one (1) data field. U.S. Postal
Service Publication 28, Sub-Sections 231–239, can be used as a guide for formatting the street
address to help improve geocoding accuracy. Address components include, as applicable, the
following individual items:


Primary Address Number



Predirectional



Street Name



Prefix



Suffix



Postdirectional



Secondary Address Identifier, such as apartment



Secondary Address, such as apartment number

Example:
456 W Somewhere Ave Apt 201
61

Primary Address Number: “456”
Predirectional: “W”
Street Name: “Somewhere”
Suffix: “Ave”
Secondary Address Identifier: “Apt”
Secondary Address: “201”
2. City. Enter the city of the property as one (1) data field.
3. State. Enter the two-letter state code of the property as one (1) data field.
4. ZIP Code. Enter the ZIP code of the property as one (1) data field.
a. Non-Standard Addressing. U.S. Postal Service Publication 28, Sub-Section 24, 25,
and 29, respectively, can be used as guides for formatting non-standard style
addressing including rural route, Highway Contract Route, and Puerto Rico
addresses to increase the accuracy for geocoding.
b. The following address formats are generally not preferred:
General Delivery addresses, such as General Delivery, Anytown, CA 900499998.
Post Office Box addresses, such as P.O. Box 100 Anytown, CA 90049-9998.
Spelled-out numbers, such as Four Hundred Fifty Six W Somewhere Ave Apt
Two Hundred One.
c. Enter “NA” in each of the property address fields if the requirement to report
property address is not applicable to the covered loan or application that your
institution is reporting.
d. Enter “Exempt” in the Street Address, City and Zip Code fields if, pursuant to the
2018 HMDA Rule, your institution is not reporting Property Address.
County and Census Tract.

1. County. Enter the five-digit Federal Information Processing Standards (FIPS) numerical
code for the county. Do not use commas.
Example: Enter 06037 for the FIPS code for Los Angeles County, CA.
a. Enter “NA” if the requirement to report county is not applicable to the covered
loan or application that your institution is reporting.
2. Census Tract. Enter the 11-digit census tract number as defined by the U.S. Census Bureau.
Do not use decimals.
Example: Enter 06037264000 for a census tract within Los Angeles County, CA.
a. Enter “NA” if the requirement to report census tract is not applicable to the
covered loan or application that your institution is reporting.

(2-19 to 2-57) Paragraph 4(a)(10)—Applicant or Borrower Information.
Appendix B to Regulation C contains instructions for the collection of data on ethnicity, race,
and sex, and contains a sample data-collection form.
Paragraph 4(a)(10)(i)—Ethnicity, Race, and Sex.
Ethnicity of Applicant or Borrower.
1. Ethnicity of Applicant or Borrower. Indicate the ethnicity of the applicant or borrower,
or of the first co-applicant or co-borrower, as applicable, by entering up to five (5) of the
applicable Codes from the following:
Code 1—Hispanic or Latino
Code 11—Mexican
Code 12—Puerto Rican
Code 13—Cuban
Code 14—Other Hispanic or Latino
Code 2—Not Hispanic or Latino

Code 3—Information not provided by applicant in mail, internet, or telephone application
Code 4—Not applicable
Code 5—No co-applicant
a. Do not enter the same code more than once for the applicant or borrower, or any
co-applicant or co-borrower, as applicable, for any covered loan or application.
b. Use Code 3 if the applicant or borrower, or co-applicant or co-borrower, does not
provide the information in an application taken by mail, internet, or telephone.
Leave the remaining Ethnicity of Applicant or Borrower data fields blank.
c. Use Code 4 if the requirement to report the applicant’s or borrower’s ethnicity
does not apply to the covered loan or application that your institution is reporting.
Leave the remaining Ethnicity of Applicant or Borrower data fields blank.
d. Use Code 5 in the co-applicant field if there are no co-applicants or co-borrowers.
Leave the remaining Ethnicity of Applicant or Borrower data fields blank.
i. If there is more than one co-applicant or co-borrower, provide the required
information only for the first co-applicant or co-borrower listed on the
collection form.
e. If fewer than five (5) ethnicities are provided by the applicant or borrower, or by
any co-applicant or co-borrower, leave the remaining Ethnicity of Applicant or
Borrower data fields blank.
f. If the applicant or borrower, or any co-applicant or co-borrower, did not select
Code 14, but provided another Hispanic or Latino ethnicity(ies) in the Ethnicity Free
Form Text Field for Other Hispanic or Latino, your institution is permitted, but not
required, to report Code 14 in one of the Ethnicity of Applicant or Borrower data
fields. This will be counted as one of the five (5) reported ethnicities, whether or not
you also choose to report Code 14 as one of the Ethnicity of Applicant or Borrower,
or Ethnicity of Co-Applicant or Co-Borrower, data fields.
2. Ethnicity Free Form Text Field for Other Hispanic or Latino. Enter the specific
other Hispanic or Latino ethnicity(ies) not listed above, if provided by the applicant or borrower,
or by any co-applicant or co-borrower, as applicable. For example, enter Argentinean,

Colombian, Dominican, Nicaraguan, Salvadoran, or Spaniard, and so on, if provided by the
applicant or borrower, or by any co-applicant or co-borrower, as applicable. Enter more than
one other Hispanic or Latino ethnicity, if provided by the applicant or borrower, or by any coapplicant or co-borrower, as applicable. The maximum number of characters for this field is 100
characters, including spaces. If the applicant or borrower, or any co-applicant or co-borrower,
did not provide another Hispanic or Latino ethnicity(ies), leave this field blank.
3. Ethnicity Collected on the Basis of Visual Observation or Surname. Indicate
whether the ethnicity of the applicant or borrower, or of the first co-applicant or co-borrower, as
applicable, was collected on the basis of visual observation or surname by entering the
applicable Code from the following:
Code 1—Collected on the basis of visual observation or surname
Code 2—Not collected on the basis of visual observation or surname
Code 3—Not applicable
Code 4—No co-applicant
a. Use Code 3 if the requirement to report the applicant’s or borrower’s ethnicity
does not apply to the covered loan or application that your institution is reporting.
b. Use Code 3 if the financial institution received the application prior to January 1st,
2018, and the financial institution chooses not to report whether the ethnicity of the
applicant or borrower, or of the first co-applicant or co-borrower, as applicable, was
collected on the basis of visual observation or surname.
c. Use Code 4 in the co-applicant field if there are no co-applicants or co-borrowers.
i. If there is more than one co-applicant or co-borrower, provide the required
information only for the first co-applicant or co-borrower listed on the
collection form.
Race of Applicant or Borrower.
1. Race of Applicant or Borrower. Indicate the race of the applicant or borrower, or of the
first co-applicant or co-borrower, as applicable, by entering up to five (5) of the applicable Codes
from the following:
Code 1—American Indian or Alaska Native

Code 2—Asian
Code 21—Asian Indian
Code 22—Chinese
Code 23—Filipino
Code 24—Japanese
Code 25—Korean
Code 26—Vietnamese
Code 27—Other Asian
Code 3—Black or African American
Code 4—Native Hawaiian or Other Pacific Islander
Code 41—Native Hawaiian
Code 42—Guamanian or Chamorro
Code 43—Samoan
Code 44—Other Pacific Islander
Code 5—White
Code 6—Information not provided by applicant in mail, internet, or telephone application
Code 7—Not applicable
Code 8—No co-applicant
a. Do not enter the same code more than once for the applicant or borrower, or any
co-applicant or co-borrower, as applicable, for any covered loan or application.
b. Use Code 6 if the applicant or borrower, or co-applicant or co-borrower, does not
provide the information in an application taken by mail, internet, or telephone.
Leave the remaining Race of Applicant or Borrower data fields blank.

c. Use Code 7 if the requirement to report the applicant’s or borrower’s race does not
apply to the covered loan or application that your institution is reporting. Leave the
remaining Race of Applicant or Borrower data fields blank.
d. Use Code 8 in the co-applicant field if there are no co-applicants or co-borrowers.
Leave the remaining Race of Applicant or Borrower data fields blank.
i. If there is more than one co-applicant or co-borrower, provide the required
information only for the first co-applicant or co-borrower listed on the
collection form.
e. If fewer than five (5) races are provided by the applicant or borrower, or by any
co-applicant or co-borrower, leave the remaining Race of Applicant or Borrower
data fields blank.
f. If the applicant or borrower, or any co-applicant or co-borrower, did not select
Code(s) 1, 27, or 44, but provided the name of the applicant’s or borrower’s
American Indian or Alaska Native Enrolled or Principal Tribe(s) in the Race Free
Form Text Field for American Indian or Alaska Native Enrolled or Principal Tribe,
other Asian race(s) in the Race Free Form Text Field for Other Asian, or Other
Pacific Islander race(s) in the Race Free Form Text Field for Other Pacific Islander,
your institution is permitted, but not required, to report Code 1, Code 27, or Code
44, as applicable, in one of the Race of Applicant or Borrower data fields. Each
reported race will be counted as one of the five (5) reported races, whether or not
you also choose to report Code 1, Code 27, or Code 44, as applicable as one of the
Race of Applicant or Borrower, or Race of Co-Applicant or Co-Borrower, data fields.
2. Race Free Form Text Field for American Indian or Alaska Native Enrolled or
Principal Tribe. Enter the name of the applicant’s or borrower’s American Indian or Alaska
Native Enrolled or Principal Tribe(s), if provided by the applicant or borrower, or by any coapplicant or co-borrower, as applicable. For example, enter Navajo if provided by the applicant
or borrower, or by any co-applicant or co-borrower, as applicable. Enter more than one
American Indian or Alaska Native Enrolled or Principal Tribe, if provided by the applicant or
borrower, or by any co-applicant or co-borrower, as applicable. The maximum number of
characters for this field is 100 characters, including spaces. If the applicant or borrower, or any
co-applicant or co-borrower did not provide an American Indian or Alaska Native Enrolled or
Principal Tribe(s), leave this field blank.

3. Race Free Form Text Field for Other Asian. Enter the specific Other Asian race(s) not
listed above, if provided by the applicant or borrower, or by any co-applicant or co-borrower, as
applicable. For example, enter Hmong, Laotian, Thai, Pakistani, or Cambodian, and so on, if
provided by the applicant or borrower, or by any co-applicant or co-borrower, as applicable.
Enter more than one other Asian race, if provided by the applicant or borrower, or by any coapplicant or co-borrower, as applicable. The maximum number of characters for this field is 100
characters, including spaces. If the applicant or borrower, or any co-applicant or co-borrower,
did not provide an Other Asian race(s), leave this field blank.
4. Race Free Form Text Field for Other Pacific Islander. Enter the specific Other Pacific
Islander race(s) not listed above, if provided by the applicant or borrower, or by any coapplicant or co-borrower, as applicable. For example, enter Fijian, or Tongan, and so on, if
provided by the applicant or borrower, or by any co-applicant or co-borrower, as applicable.
Enter more than one Other Pacific Islander race, if provided by the applicant or borrower, or by
any co-applicant or co-borrower, as applicable. The maximum number of characters for this
field is 100 characters, including spaces. If the applicant or borrower, or any co-applicant or coborrower, did not provide an Other Pacific Islander race(s), leave this field blank.
5. Race Collected on the Basis of Visual Observation or Surname. Indicate whether the
race of the applicant or borrower, or of the first co-applicant or co-borrower, as applicable, was
collected on the basis of visual observation or surname by entering the applicable Code from the
following:
Code 1—Collected on the basis of visual observation or surname
Code 2—Not collected on the basis of visual observation or surname
Code 3—Not applicable
Code 4—No co-applicant
a. Use Code 3 if the requirement to report the applicant’s or borrower’s race does
not apply to the covered loan or application that your institution is reporting.
b. Use Code 3 if the financial institution received the application prior to January 1st,
2018, and the financial institution chooses not to report whether the race of the
applicant or borrower, or of the first co-applicant or co-borrower, as applicable, was
collected on the basis of visual observation or surname.
c. Use Code 4 in the co-applicant field if there are no co-applicants or co-borrowers.

i. If there is more than one co-applicant or co-borrower, provide the required
information only for the first co-applicant or co-borrower listed on the
collection form.
Sex of Applicant or Borrower.
1. Sex of Applicant or Borrower. Indicate the sex of the applicant or borrower, or of the first
co-applicant or co-borrower, as applicable, by entering the appropriate Code from the following:
Code 1—Male
Code 2—Female
Code 3—Information not provided by applicant in mail, internet, or telephone application
Code 4—Not applicable
Code 5—No co-applicant
Code 6—Applicant selected both male and female
a. Use Code 3 if the applicant or co-applicant does not provide the information in an
application taken by mail, internet, or telephone.
b. Use Code 4 if the requirement to report the applicant’s or borrower’s sex does not
apply to the covered loan or application that your institution is reporting.
c. Use Code 5 in the co-applicant field if there are no co-applicants or co-borrowers.
i. If there is more than one co-applicant or co-borrower, provide the required
information only for the first co-applicant or co-borrower listed on the
collection form.
d. Use Code 6 if the applicant or co-applicant selected both male and female.
2. Sex Collected on the Basis of Visual Observation or Surname. Indicate whether the
sex of the applicant or borrower, or of the first co-applicant or co-borrower, as applicable, was
collected on the basis of visual observation or surname by entering the applicable Code from the
following:
Code 1—Collected on the basis of visual observation or surname
Code 2—Not collected on the basis of visual observation or surname
69

Code 3—Not applicable
Code 4—No co-applicant
a. Use Code 3 if the requirement to report the applicant’s or borrower’s sex does not
apply to the covered loan or application that your institution is reporting.
b. Use Code 3 if the financial institution received the application prior to January 1st,
2018, and the financial institution chooses not to report whether the sex of the
applicant or borrower, or of the first co-applicant or co-borrower, as applicable, was
collected on the basis of visual observation or surname.
c. Use Code 4 in the co-applicant field if there are no co-applicants or co-borrowers.
i. If there is more than one co-applicant or co-borrower, provide the required
information only for the first co-applicant or co-borrower listed on the
collection form.

Paragraph 4(a)(10)(ii)—Age of Applicant or Borrower.
Enter, in numeral form, the age, in years, of the applicant or borrower, or of the first coapplicant or co-borrower, as applicable. Age is calculated, as of the application date, as the
number of whole years derived from the date of birth shown on the application form. Or enter
the applicable Code from the following:
Code 8888—Not applicable
Code 9999—No co-applicant
Example: If the applicant or borrower is 24 years old, enter 24.
a. Use Code 8888 if the requirement to report the applicant’s or borrower’s age does
not apply to the covered loan or application that your institution is reporting.
b. Use Code 9999 in the co-applicant field if there are no co-applicants or coborrowers.
i. If there is more than one co-applicant or co-borrower, provide the required
information only for the first co-applicant or co-borrower listed on the
70

collection form.

Paragraph 4(a)(10)(iii)—Income.
Enter, in dollars, rounded to the nearest thousand, the gross annual income relied on in making
the credit decision, or if a credit decision was not made, the gross annual income relied on in
processing the application (round $500 up to the next $1,000). The HMDA Platform can accept
negative numbers for Income.
Example: If the income amount is $35,500, enter 36. If the income amount is $50,000, enter
50.
a. Enter “NA” if the requirement to report gross annual income does not apply to the
covered loan or application that your institution is reporting.

(2-58) Paragraph 4(a)(11)—Type of Purchaser.
Indicate the type of entity purchasing a covered loan from your institution within the same
calendar year that your institution originated or purchased the loan by entering the applicable
Code from the following:
Code 0—Not applicable
Code 1—Fannie Mae
Code 2—Ginnie Mae
Code 3—Freddie Mac
Code 4—Farmer Mac
Code 5—Private securitizer
Code 6—Commercial bank, savings bank, or savings association
Code 71—Credit union, mortgage company, or finance company
Code 72—Life insurance company
71

Code 8—Affiliate institution
Code 9—Other type of purchaser
a. Use Code 0 if the requirement to report the type of purchaser does not apply to
the covered loan that your institution is reporting.

(2-59) Paragraph 4(a)(12)—Rate Spread.
Enter, as a percentage, to at least three (3) decimal places, the difference between the covered
loan’s annual percentage rate (APR) and the average prime offer rate (APOR) for a comparable
transaction as of the date the interest rate is set. Numbers calculated to beyond three (3)
decimal places may either be reported beyond three (3) decimal places, up to 15 decimal places,
or rounded or truncated to three (3) decimal places. Decimal place trailing zeros may either be
included or omitted. The HMDA Platform can accept negative numbers for Rate Spread.
a. If the APR exceeds the APOR, enter a positive number.
Example:
If the APR is 3.678% and the APOR is 3.25%, enter 0.428.
If the APR is 4.560% and the APOR is 4.25%, enter either 0.31 or 0.310
b. If the APR is less than the APOR, enter a negative number.
Example:
If the APR 3.1235% and the APOR is 3.25%, enter -0.1265. Alternatively, the rate
spread may be truncated to -0.126 or rounded to -0.127.
c. Enter “NA” if the requirement to report rate spread does not apply to the covered
loan or application that your institution is reporting.
d. Enter “Exempt” if, pursuant to the 2018 HMDA Rule, your institution is not
reporting Rate Spread.

(2-60) Paragraph 4(a)(13)—HOEPA Status.
Indicate whether the covered loan is a high-cost mortgage under Regulation Z, 12
CFR 1026.32(a) by entering the applicable Code from the following:
Code 1—High-cost mortgage
Code 2—Not a high-cost mortgage
Code 3—Not applicable
a. Use Code 3 if the requirement to report HOEPA status does not apply to the
covered loan that your institution is reporting.

(2-61) Paragraph 4(a)(14)—Lien Status.
Indicate the lien status of the property securing the covered loan, or in the case of an
application, proposed to secure the covered loan, by entering the applicable Code from the
following:
Code 1—Secured by a first lien
Code 2—Secured by a subordinate lien

(2-62 to 2-67) Paragraph 4(a)(15)—Credit Score of Applicant or Borrower.
1. Credit Score of Applicant or Borrower. Enter, in numeral form, the credit score, or
scores relied on in making the credit decision for the applicant or borrower, or of the first coapplicant or co-borrower, as applicable. If Regulation C requires your institution to report a
single score that corresponds to multiple applicants or borrowers, report the score in either the
applicant field or the co-applicant field. Or, enter the applicable Code from the following:
Code 7777—Credit score is not a number
Code 8888—Not applicable

Code 9999—No co-applicant
Code 1111—Exempt
Example: If the credit score is 650, enter 650.
a. Use Code 8888 if the requirement to report the credit score does not apply to the
covered loan or application that your institution is reporting.
i. If Regulation C requires your institution to report a single score for a covered
loan or application involving multiple applicants or borrowers, either report
the credit score in the applicant field and use Code 8888 in the co-applicant
field or report the credit score in the co-applicant field and use Code 8888 in
the applicant field.
b. Use Code 9999 in the co-applicant field if there are no co-applicants or coborrowers.
c. Use Code 7777 if your institution relied on a credit score that is not a number
(e.g., a credit score of “Meets Threshold”). Code 7777 should not be used if a credit
scoring model that produces numeric credit scores returns a result stating that the
credit score could not be determined.
d. Enter “1111” if, pursuant to the 2018 HMDA Rule, your institution is not reporting
Credit Score.

2. Name and Version of Credit Scoring Model. Indicate the name and version of the
credit scoring model used to generate the credit score, or scores, relied on in making the credit
decision by entering the applicable Code from the following:
Code 1—Equifax Beacon 5.0
Code 2—Experian Fair Isaac Risk Model v2
Code 3—TransUnion FICO Risk Score Classic 04
Code 4—TransUnion FICO Risk Score Classic 98

Code 5—VantageScore 2.0
Code 6—VantageScore 3.0
Code 7—More than one credit scoring model
Code 8—Other credit scoring model
Code 9—Not applicable
Code 10—No co-applicant
Code 11—FICO Score 9
Code 1111—Exempt
a. Use Code 1 for Equifax Beacon 5.0, which may also be known as FICO Score 5.
b. Use Code 2 for Experian Fair/Isaac Risk Model v2, which may also be known as
FICO Score 2 or FICO Classic v2.
c. Use Code 3 for TransUnion FICO Risk Score Classic 04, which may also be known
as FICO Score 4 or TU-04.
d. Use Code 4 for TransUnion FICO Risk Score Classic 98, which may also be known
as FICO 98 or TU-98.
e. Use Code 9 if the requirement to report the name and version of the credit scoring
model does not apply to the covered loan or application that your institution is
reporting.
i. If Regulation C requires your institution to report a single score for a covered
loan or application involving multiple applicants or borrowers, either report
the name and version of the credit scoring model, or that multiple credit
scoring models were used, in the applicant field, and use Code 9 in the coapplicant field; or report the name and version of the credit scoring model, or
that multiple credit scoring models were used, in the co-applicant field and
use Code 9 in the applicant field.
f. Use Code 10 in the co-applicant field if there are no co-applicants or co-borrowers.

g. Use Code 11 for FICO Score 9, which also may be known as FICO 9.
h. Use Code 1111 if, pursuant to the 2018 HMDA Rule, your institution is not
reporting Credit Score.

3. Name and Version of Credit Scoring Model Conditional Free Form Text Field for
Code 8. If Code 8 is selected in the Name and Version of Credit Scoring Model Field, enter the
specific other credit scoring model that is not listed above. The maximum number of characters
for this field is 100 characters, including spaces. If 8 is not entered, leave this field blank.

(2-68 to 2-72) Paragraph 4(a)(16)—Reason for Denial.
1. Reason for Denial. Indicate the principal reason, or reasons, for denial by entering up to
four (4) applicable Codes from the following:
Code 1—Debt-to-income ratio
Code 2—Employment history
Code 3—Credit history
Code 4—Collateral
Code 5—Insufficient cash (downpayment, closing costs)
Code 6—Unverifiable information
Code 7—Credit application incomplete
Code 8—Mortgage insurance denied
Code 9—Other
Code 10—Not applicable
Code 1111—Exempt

a. Do not enter the same code more than once for any covered loan or application.
b. Use Code 10 if the requirement to report reasons for denial does not apply to the
covered loan or application that your institution is reporting. Leave the remaining
Reason for Denial data fields blank.
c. Use Code 1111 if, pursuant to the 2018 HMDA Rule, your institution is not
reporting Reason for Denial. Leave the remaining Reason for Denial data fields
blank.
d. If there are fewer than four principal (4) reasons for denial, leave the remaining
Reason for Denial data fields blank.
e. If your institution uses the model form contained in Appendix C to Regulation B,
12 CFR part 1002 (Form C–1, Sample Notice of Action Taken and Statement of
Reasons), use the foregoing Codes as follows:
Code 1—Income insufficient for amount of credit requested, and Excessive
obligations in relation to income
Code 2—Temporary or irregular employment, and Length of employment
Code 3—Insufficient number of credit references provided; Unacceptable type of
credit references provided; No credit file; Limited credit experience; Poor credit
performance with us; Delinquent past or present credit obligations with others;
Number of recent inquiries on credit bureau report; Garnishment, attachment,
foreclosure, repossession, collection action, or judgment; and Bankruptcy
Code 4—Value or type of collateral not sufficient
Code 6—Unable to verify credit references; Unable to verify employment; Unable to
verify income; and Unable to verify residence
Code 7—Credit application incomplete
Code 9—Length of residence; Temporary residence; and Other reasons specified on
the adverse action notice.
2. Reason for Denial Conditional Free Form Text Field for Code 9. If Code 9 is
selected in any Reason for Denial field, enter the specific other reason(s) for denial not listed

above. The maximum number of characters for this field is 255 characters, including spaces. If 9
is not entered, leave this field blank.
(2-73 to 2-74) Paragraph 4(a)(17)—Total Loan Costs or Total Points and Fees.
Enter either Total Loan Costs or Total Points and Fees or indicate that neither reporting
requirement applies by entering “NA” for both.

Paragraph 4(a)(17)(i)—Total Loan Costs.
Enter, in dollars, the amount of total loan costs. If the amount is zero, enter 0.
Example: If the total loan costs are $2,399.04, enter 2399.04.
a. Enter “NA” if the requirement to report total loan costs does not apply to the
covered loan or application that your institution is reporting.
b. Enter “Exempt” if, pursuant to the 2018 HMDA Rule, your institution is not
reporting Total Loan Costs or Total Points and Fees.

Paragraph 4(a)(17)(ii)—Total Points and Fees.
Enter, in dollars, the total points and fees charged in connection with the covered loan. If the
amount is zero, enter 0.
Example: If the total points and fees are $2,399.04, enter 2399.04.
c. Enter “NA” if the requirement to report total points and fees does not apply to the
covered loan or application that your institution is reporting.
d. Enter “Exempt” if, pursuant to the 2018 HMDA Rule, your institution is not
reporting Total Loan Costs or Total Points and Fees.

(2-75) Paragraph 4(a)(18)—Origination Charges.
Enter, in dollars, the total of all itemized amounts that are designated borrower-paid at or

before closing. If the total is zero, enter 0.
Example: If the origination charges are $2,399.04, enter 2399.04.
a. Enter “NA” if the requirement to report origination charges does not apply to the
covered loan or application that your institution is reporting.
b. Enter “Exempt” if, pursuant to the 2018 HMDA Rule, your institution is not
reporting Total Loan Costs or Total Points and Fees.

(2-76) Paragraph 4(a)(19)—Discount Points.
Enter, in dollars, the points paid to the creditor to reduce the interest rate. If no points were
paid, leave this field blank.
Example: If the amount paid for discount points is $2,399.04, enter 2399.04.
a. Enter “NA” if the requirement to report discount points does not apply to the
covered loan or application that your institution is reporting.
b. Enter “Exempt” if, pursuant to the 2018 HMDA Rule, your institution is not
reporting Discount Points.

(2-77) Paragraph 4(a)(20)—Lender Credits.
Enter, in dollars, the amount of lender credits. If no lender credits were provided, leave this field
blank.
Example: If the amount is $1500.24, enter 1500.24.
a. Enter “NA” if the requirement to report lender credits does not apply to the
covered loan or application that your institution is reporting.
b. Enter “Exempt” if, pursuant to the 2018 HMDA Rule, your institution is not
reporting Lender Credits.

(2-78) Paragraph 4(a)(21)—Interest Rate.
Enter, as a percentage, to at least three (3) decimal places, the interest rate. Numbers calculated
to beyond three (3) decimal places may either be reported beyond three (3) decimal places or
rounded or truncated to three (3) decimal places. Decimal place trailing zeros may either be
included or omitted. The HMDA Platform can accept up to 15 decimal places for the Interest
Rate.
Example: If the interest rate is 4.125%, enter 4.125.
If the interest rate is exactly 4.500%, enter 4.5, 4.50, or 4.500.
a. Enter “NA” if the requirement to report interest rate does not apply to the covered
loan or application that your institution is reporting.
b. Enter “Exempt” if, pursuant to the 2018 HMDA Rule, your institution is not
reporting Interest Rate.
c. Enter 0 if the interest rate is 0.

(2-79) Paragraph 4(a)(22)—Prepayment Penalty Term.
Enter, in numeral form, the term, in months, of any prepayment penalty.
Example: If a prepayment penalty may be imposed within the first 24 months after closing or
account opening, enter 24.
a. Enter “NA” if the requirement to report prepayment penalty term does not apply
to the covered loan or application that your institution is reporting.
b. Enter “Exempt” if, pursuant to the 2018 HMDA Rule, your institution is not
reporting Prepayment Penalty Term.

(2-80) Paragraph 4(a)(23)—Debt-to-Income Ratio.
Enter, as a percentage, the ratio of the applicant’s or borrower’s total monthly debt to the total

monthly income relied on in making the credit decision. Use decimal places only if the ratio
relied upon uses decimal places. The HMDA Platform can accept up to 15 decimal places and
can accept negative numbers for Debt-to-Income Ratio.
Example: If the relied upon debt-to-income ratio is 42.95, enter 42.95, and not 43.
If, however, your institution rounded the ratio up to 43% and relied on the rounded-up number,
enter 43.
a. Enter “NA” if the requirement to report debt-to-income ratio does not apply to
the covered loan or application that your institution is reporting.
b. Enter “Exempt” if, pursuant to the 2018 HMDA Rule, your institution is not
reporting Debt-to-Income Ratio.

(2-81) Paragraph 4(a)(24)—Combined Loan-to-Value Ratio.
Enter, as a percentage, the ratio of the total amount of debt secured by the property to the value
of the property relied on in making the credit decision. Use decimal places only if the ratio relied
upon uses decimal places. The HMDA Platform can accept up to 15 decimal places for the
Combined Loan-to-Value Ratio.
Example: If the relied upon combined loan-to-value ratio is 80.05, enter 80.05, and not 80.
If, however, your institution rounded the ratio down to 80 and relied on the rounded-down
number, enter 80.
a. Enter “NA” if the requirement to report combined loan-to-value ratio does not
apply to the covered loan or application that your institution is reporting.
b. Enter “Exempt” if, pursuant to the 2018 HMDA Rule, your institution is not
reporting Combined Loan-to-Value Ratio.

(2-82) Paragraph 4(a)(25)—Loan Term.

Enter, in numeral form, the number of months after which the legal obligation will mature or
terminate, or would have matured or terminated.
Example: If the loan term is 360 months, enter 360.
a. Enter “NA” if the requirement to report loan term does not apply to the covered
loan or application that your institution is reporting.
b. Enter “Exempt” if, pursuant to the 2018 HMDA Rule, your institution is not
reporting Loan Term.

(2-83) Paragraph 4(a)(26)—Introductory Rate Period.
Enter, in numeral form, the number of months, or proposed number of months in the case of an
application, until the first date the interest rate may change after closing or account opening.
Example: If the introductory rate period is 24 months, enter 24.
a. Enter “NA” if the requirement to report introductory rate period does not apply to
the covered loan or application that your institution is reporting.
b. Enter “Exempt” if, pursuant to the 2018 HMDA Rule, your institution is not
reporting Introductory Rate Period.
(2-84) Paragraph 4(a)(27)(i)—Balloon Payment.
Indicate whether the contractual terms include, or would have included, a balloon payment by
entering the applicable Code from the following:
Code 1—Balloon payment
Code 2—No balloon payment
Code 1111—Exempt
Use Code 1111 if, pursuant to the 2018 HMDA Rule, your institution is not reporting Balloon
Payment.

(2-85) Paragraph 4(a)(27)(ii)—Interest-Only Payments.
Indicate whether the contractual terms include, or would have included, interest-only payments
by entering the applicable Code from the following:
Code 1—Interest-only payments
Code 2—No interest-only payments
Code 1111—Exempt
Use Code 1111 if, pursuant to the 2018 HMDA Rule, your institution is not reporting InterestOnly Payments.

(2-86) Paragraph 4(a)(27)(iii)—Negative Amortization.
Indicate whether the contractual terms include, or would have included, a term that would cause
the covered loan to be a negative amortization loan by entering the applicable Code from the
following:
Code 1111—Exempt
Code 1—Negative amortization
Code 2—No negative amortization
Use Code 1111 if, pursuant to the 2018 HMDA Rule, your institution is not reporting Negative
Amortization.

(2-87) Paragraph 4(a)(27)(iv)—Other Non-Amortizing Features.
Indicate whether the contractual terms include, or would have included, any term, other than
those described in Paragraphs 1003.4(a)(27)(i), (ii), and (iii) that would allow for payments
other than fully amortizing payments during the loan term by entering the applicable Code from
the following:

Code 1111—Exempt
Code 1—Other non-fully amortizing features
Code 2—No other non-fully amortizing features
Use Code 1111 if, pursuant to the 2018 HMDA Rule, your institution is not reporting Other NonAmortizing Features.

(2-88) Paragraph 4(a)(28)—Property Value.
Enter, in dollars, the value of the property securing the covered loan or, in the case of an
application, proposed to secure the covered loan, relied on in making the credit decision.
Example: If the property value is $350,500, enter 350500.
a. Enter “NA” if the requirement to report property value does not apply to the
covered loan or application that your institution is reporting.
b. Enter “Exempt” if, pursuant to the 2018 HMDA Rule, your institution is not
reporting Property Value.

(2-89) Paragraph 4(a)(29)—Manufactured Home Secured Property Type
Indicate whether the covered loan or application is, or would have been, secured by a
manufactured home and land, or by a manufactured home and not land, by entering the
applicable Code from the following:
Code 1111—Exempt
Code 1—Manufactured home and land
Code 2—Manufactured home and not land
Code 3—Not applicable
a. Use Code 3 if the requirement to report manufactured home secured property

type does not apply to the covered loan or application that your institution is
reporting.
b. Use Code 1111 if, pursuant to the 2018 HMDA Rule, your institution is not
reporting Manufactured Home Secured Property Type.

(2-90) Paragraph 4(a)(30)—Manufactured Home Land Property Interest.
Indicate the applicant’s or borrower’s land property interest in the land on which a
manufactured home is, or will be, located by entering the applicable Code from the following:
Code 1111—Exempt
Code 1—Direct ownership
Code 2—Indirect ownership
Code 3—Paid leasehold
Code 4—Unpaid leasehold
Code 5—Not applicable
a. Use Code 5 if the requirement to report manufactured home land property
interest does not apply to the covered loan or application that your institution is
reporting.
b. Use Code 1111 if, pursuant to the 2018 HMDA Rule, your institution is not
reporting Manufactured Home Land Property Interest.

(2-91) Paragraph 4(a)(31)—Total Units.
Enter, in numeral form, the number of individual dwelling units related to the property securing
the covered loan or, in the case of an application, proposed to secure the covered loan.
Example: If there are five (5) individual dwelling units, enter 5.

(2-92) Paragraph 4(a)(32)—Multifamily Affordable Units.
Enter, in numeral form, the number of individual dwelling units related to any multifamily
dwelling property securing the covered loan or, in the case of an application, proposed to secure
the covered loan, that are income-restricted pursuant to Federal, State, or local affordable
housing programs.
Example: If there are five (5) multifamily affordable units, enter 5.
a. Enter “0” for a covered loan or application related to a multifamily dwelling that
does not contain any such income-restricted individual dwelling units.
b. Enter “NA” if the requirement to report multifamily affordable units does not
apply to the covered loan or application that your institution is reporting.
c. Enter “Exempt” if, pursuant to the 2018 HMDA Rule, your institution is not
reporting Multifamily Affordable Units.

(2-93 to 2-94) Paragraph 4(a)(33)—Application Channel.
1. Submission of Application. Indicate whether the applicant or borrower submitted the
application directly to your institution by entering the applicable Code from the following:
Code 1—Submitted directly to your institution
Code 2—Not submitted directly to your institution
Code 3—Not applicable
Code 1111—Exempt
a. Use Code 3 if the requirement to report whether the applicant or borrower
submitted the application directly to your institution does not apply to the covered
loan or application that your institution is reporting.
b. Use Code 1111 if, pursuant to the 2018 HMDA Rule, your institution is not

reporting Submission of Application.

2. Initially Payable to Your Institution. Indicate whether the obligation arising from the
covered loan was, or, in the case of an application, would have been, initially payable to your
institution by entering the applicable Code from the following:
Code 1—Initially payable to your institution
Code 2—Not initially payable to your institution
Code 3—Not applicable
Code 1111—Exempt
a. Use Code 3 if the requirement to report whether the obligation arising from the
covered loan was, or, in the case of an application, would have been, initially payable
to your institution does not apply to the covered loan or application that your
institution is reporting.
b. Use Code 1111 if, pursuant to the 2018 HMDA Rule, your institution is not
reporting Initially Payable to Your Institution.

(2-95) Paragraph 4(a)(34)—Mortgage Loan Originator NMLSR Identifier.
Enter the Nationwide Mortgage Licensing System and Registry mortgage loan originator unique
identifier (NMLSR ID) for the mortgage loan originator, NA, or Exempt. The NMLSR ID should
not include zeros that are not part of the NMLSR ID (e.g., if the NMLSR ID is 64573, it should
be entered as 64573, not 00064573). The HMDA Platform can accept a value with, at most, nine
integers (e.g., 214748364).
Example: If the NMLSR ID for the mortgage loan originator is 123450, enter 123450.
Enter “Exempt” if, pursuant to the 2018 HMDA Rule, your institution is not reporting NMLSR
ID.

(2-96 to 2-107) Paragraph 4(a)(35)—Automated Underwriting System (AUS) and Result.
1. Automated Underwriting System. Indicate the automated underwriting system(s) (AUS)
used by your institution to evaluate the application by entering up to five (5) of the applicable
Codes from the following:
Code 1—Desktop Underwriter (DU)
Code 2—Loan Prospector (LP) or Loan Product Advisor
Code 3—Technology Open to Approved Lenders (TOTAL) Scorecard
Code 4—Guaranteed Underwriting System (GUS)
Code 5—Other
Code 6—Not applicable
Code 7—Internal Proprietary System
Code 1111—Exempt
a. Use Code 6 if the requirement to report an AUS does not apply to the covered loan
or application that your institution is reporting. Leave the remaining Automated
Underwriting System data fields blank.
b. If fewer than five (5) automated underwriting systems were used by your
institution to evaluate the application, leave the remaining Automated Underwriting
System data fields blank.
c. Use Code 1111 if, pursuant to the 2018 HMDA Rule, your institution is not
reporting Automated Underwriting System.
2. Automated Underwriting System Conditional Free Form Text Field for Code 5. If
Code 5 is selected in any Automated Underwriting System field, enter the name of the specific
other AUS(s) not listed above. Enter more than one other Automated Underwriting System, as
applicable. The maximum number of characters for this field is 255 characters, including spaces.
If 5 is not entered, leave this field blank.

3. Automated Underwriting System Result. Indicate the result(s) generated by the
automated underwriting system (AUS) previously indicated by entering the applicable Code(s)
from the following:
Code 1—Approve/Eligible
Code 2—Approve/Ineligible
Code 3—Refer/Eligible
Code 4—Refer/Ineligible
Code 5—Refer with Caution
Code 6—Out of Scope
Code 7—Error
Code 8—Accept
Code 9—Caution
Code 10—Ineligible
Code 11—Incomplete
Code 12—Invalid
Code 13—Refer
Code 14—Eligible
Code 15—Unable to Determine or Unknown
Code 16—Other
Code 17—Not applicable
Code 18 – Accept/Eligible
Code 19 – Accept/Ineligible

Code 20 – Accept/Unable to Determine
Code 21 – Refer with Caution/Eligible
Code 22 – Refer with Caution/Ineligible
Code 23 – Refer/Unable to Determine
Code 24 - Refer with Caution/Unable to Determine
Code 1111—Exempt
a. The AUS of the Federal National Mortgage Association (Fannie Mae) commonly
returns results that correspond to Codes 1, 2, 3, 4, 5, 6, 7, and 15. If your result(s)
differ, report the AUS result(s) received.
b. The AUS of the Federal Home Loan Mortgage Corporation (Freddie Mac)
commonly returns results that correspond to Codes 8, 9, 10, 11, 12, and 13. If more
than one result is returned on the Feedback Certificate, report the Risk Class result.
If your result(s) differ, report the AUS result(s) received.
c. The FHA TOTAL Scorecard AUS commonly returns results that correspond to
Codes 1, 2, 3, 4, 8, 13, 18, and 19. If your results differ, report the AUS result(s)
received.
d. The GUS AUS commonly returns results that correspond to Codes 3, 4, 10, 15, 18,
19, 20, 21, 22, 23 and 24. If your result(s) differ, report the AUS result(s) received.
e. Use Code 17 if the requirement to report an AUS result does not apply to the
covered loan or application that your institution is reporting. Leave the remaining
Automated Underwriting System Result data fields blank.
f. If fewer than five (5) results were generated by the automated underwriting
system(s) previously indicated, leave the remaining Automated Underwriting
System Result data fields blank.
g. Use Code 1111 if, pursuant to the 2018 HMDA Rule, your institution is not
reporting Automated Underwriting System Result.
4. Automated Underwriting System Result Conditional Free Form Text Field for

Code 16. If Code 16 is selected in an Automated Underwriting System Result field, enter the
specific other AUS result(s) not listed above. Enter more than one other Automated
Underwriting System Result, as applicable. The maximum number of characters for this field is
255 characters, including spaces. If 16 is not entered, leave this field blank.

(2-108) Paragraph 4(a)(36)—Reverse Mortgage.
Indicate whether the covered loan is, or the application is for, a reverse mortgage by entering the
applicable Code from the following:
Code 1111—Exempt
Code 1—Reverse mortgage
Code 2—Not a reverse mortgage
Use Code 1111 if, pursuant to the 2018 HMDA Rule, your institution is not reporting Reverse
Mortgage.

(2-109) Paragraph 4(a)(37)—Open-End Line of Credit.
Indicate whether the covered loan is, or the application is for, an open-end line of credit by
entering the applicable Code from the following:
Code 1—Open-end line of credit
Code 2—Not an open-end line of credit
Code 1111—Exempt
Use Code 1111 if, pursuant to the 2018 HMDA Rule, your institution is not reporting Open End
Line of Credit.

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

Indicate whether the covered loan is, or the application is for a covered loan that will be made,
primarily for a business or commercial purpose by entering the applicable Code from the
following:
Code 1—Primarily for a business or commercial purpose
Code 2—Not primarily for a business or commercial purpose
Code 1111—Exempt
Use Code 1111 if, pursuant to the 2018 HMDA Rule, your institution is not reporting Business or
Commercial Purpose.

5. 2022 Edit Specifications
5.1

Introduction

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



Syntactical: Edits that check whether the loan/application register is in the correct
format and whether the data covers the correct filing year. A syntactical edit occurs, for
example, if none of the rows in the loan/application register begin with the number two
(2) to indicate that the following data fields contain information relating to the reported
loan or application. The loan/application register cannot be submitted until the filer
corrects all syntactical edit errors and re-uploads the updated loan/application register to
the HMDA Platform.



Validity: Edits that check whether there are valid values in each data field. A validity
edit occurs, for example, if the contact person’s telephone number does not follow the
format “999-999-9999.” The loan/application register cannot be submitted until the filer
corrects all validity edit errors and re-uploads the updated loan/application register to
the HMDA Platform.



Quality: Edits that check whether entries in the individual data fields or combinations of
data fields conform to expected values. A quality edit occurs, for example, if the reported
Tax Identification Number does not match the Tax Identification Number the institution
reported on the previous year’s loan/application register. The loan/application register
cannot be submitted until the filer either confirms the accuracy of all values flagged by
quality edits in the HMDA Platform or corrects the flagged values and re-uploads the
updated loan/application register to the HMDA Platform.



Macro Quality: Edits that check whether the submitted loan/application register as a
whole conforms to expected values. A macro quality edit occurs, for example, if the
reported percentage of multifamily loans exceeds 10% of the loan/application register
entries. The loan/application register cannot be submitted until the filer either confirms

the accuracy of all the values flagged by the macro quality edits in the HMDA Platform or
corrects the flagged values and re-uploads the updated loan/application register to the
HMDA Platform.

5.2

2022 New and Revised Edits

TABLE 3:

2022 EDITS REVISED FROM 2021

Type of Data
Field
Loan/Application
Register
Loan/Application
Register
Loan/Application
Register
Loan/Application
Register
Loan/Application
Register
Loan/Application
Register
Loan/Application
Register
Loan/Application
Register
Loan/Application
Register
Loan/Application
Register

5.3

Edit
Number

Data Point

V608

ULI

V660

Credit Score

V662

Credit Score

V665

Credit Score

V667

Credit Score

V720

Credit Score

V721

Age

Q654

DTI

Q658

Loan Term

Q659

Any data point that
accepts a “Not
Applicable” or “No CoApplicant” value

Modification
Updated edit to check for invalid NULI
values
Updated edit to include new credit
scoring model value
Updated edit to include new credit
scoring model value
Updated edit to include new credit
scoring model value
Updated edit to include new credit
scoring model value
New edit to check range for credit
scoring models
New edit that triggers when exemption
code is used in the Age data point
Updated edit is account for NA & Exempt
values
New edit to check Loan Term maximum
value
New edit to check for an inadvertent use
of Not Applicable codes

2022 Edits

Table 4 through Table 8 list all of the edits for HMDA data collected in 2022 under the HMDA
Final Rule. Each table groups the edits by type and whether the edit is related to the data fields
in the “Filing Institution, Reporting Period, and Contact Information (Transmittal Sheet)”
94

section or the “Loan/Application Register” section. Edits for data collected in 2022 are grouped
by data point and may contain more than one condition that must be true for the edit to pass
during filing. Conditions within the edit description are distinguished with a number. To
increase clarity, the tables contain a column specifying each data field that affects the overall
edit, and the edit descriptions contain all data field names in italics.
TABLE 4: SYNTACTICAL AND VALIDITY EDITS FOR FILING INSTITUTION, REPORTING PERIOD, AND
CONTACT INFORMATION (TRANSMITTAL SHEET), AND LOAN/APPLICATION REGISTER

Edit ID

S300

Data Point
Name

Affected Data
Fields

N/A

Record
Identif ier

Edit Description
The data provided in the file is incorrect. Please
review the inf ormation below and update your file
accordingly.
The f ollowing criteria must be met:
1) The f irst row of your file must begin with a 1; and

S301

Legal Entity
Identif ier (LEI)

V600

Legal Entity
Identif ier (LEI)

2) Any subsequent rows must begin with a 2.
The LEI in this row does not match the reported LEI
in the transmittal sheet (the first row of your file).
Please update your file accordingly.
An LEI in an invalid format was provided. Please
review the inf ormation 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 ID

Data Field
Name(s)

Edit Description
The reported Calendar Year does not match the filing year
indicated at the start of the filing. Please confirm the information
below and update your file accordingly.

S302

Calendar Year

1) The correct file has been uploaded; and
2) The correct filing year was chosen at the start of the filing; and
3) The calendar year is listed correctly in the file.

S303

Federal Agency;
Federal Taxpayer
Identif ication
Number; Legal
Entity Identifier
(LEI)

The reported Federal Agency; Federal Taxpayer Identification
Number; and Legal Entity Identifier must match the Federal
Agency; Federal Taxpayer Identification Number; and Legal
Entity Identifier for the financial institution for which you are f iling.
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

S304

Total Number of
Entries Contained
in Submission

V601

Financial Institution
Name; Contact
Person’s Name;
Contact Person’s
E-mail Address;
Contact Person’s
Of f ice Street
Address; Contact
Person’s Office City

V602

Calendar Quarter

V603

V604

Contact Person’s
Telephone Number

Contact Person’s
Of f ice State

3) The Federal Agency, Federal Taxpayer Identification Number,
and Legal Entity Identifier are reported correctly in the file.
The reported Total Number of Entries Contained in Submission
does not match the total number of LAR records in the HMDA file.
Please update your file accordingly to ensure that your f ile
contains the correct number of entries.
The f ollowing 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
An invalid Calendar Quarter was reported. Please review the
inf ormation below and update your file accordingly.
1) Calendar Quarter must equal 4, and cannot be left blank.
An invalid Contact Person’s Telephone Number was provided.
Please review the information below and update your file
accordingly.
1) The required format for the Contact Person’s Telephone
Number is 999-999-9999, and it cannot be left blank.
An invalid Contact Person’s Office State was provided. Please
review the inf ormation below and update your file accordingly.
1) Contact Person’s Office State must be a two-letter state code,
and cannot be left blank.

V605

Contact Person’s
Of f ice ZIP Code

V606

Total Number of
Entries Contained
in Submission

V607

V717

TABLE 6:

Edit ID
S305

S306

Federal Taxpayer
Identif ication
Number

Contact Person’s
Email Address

An invalid Contact Person’s ZIP Code was provided. Please
review the inf ormation 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.
The reported Total Number of Entries Contained in Submission is
not in the valid format. Please review the information below and
update your file accordingly.
1) The required format for the Total Number of Entries Contained
in Submission is a whole number that is greater than zero, and it
cannot be left blank.
An invalid Federal Taxpayer Identification Number was provided.
Please review the information below and update your file
accordingly.
1) The required format for the Federal Taxpayer Identification
Number is 99-9999999, and it cannot be left blank.
An invalid Contact Person’s Email Address was provided. Please
review the inf ormation 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.

SYNTACTICAL AND VALIDITY EDITS FOR LOAN/APPLICATION REGISTER

Data Point
Name
Applicable to all
data f ields

Affected Data
Fields
All data f ields in
the LAR

Universal Loan
Identif ier (ULI)

Edit Description
A duplicate transaction has been reported. Please
review and update your file accordingly.
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.

Edit ID

V608

Data Point
Name

Affected Data
Fields

Edit Description

Universal Loan
Identif ier (ULI)
or NonUniversal Loan
Identif ier (NULI)

Universal Loan
Identif ier (ULI)
Universal Loan
Identif ier (NULI)

1) The required format for ULI is alphanumeric with
at least 23 characters and up to 45 characters, and it
cannot be left blank.

V609

Universal Loan
Identif ier (ULI)

V610

Application
Application Date Date; Action
Taken

V611

Loan Type

Universal Loan
Identif ier (ULI)

Loan Type

A ULI with an invalid format was provided. Please
review the inf ormation below and update your file
accordingly.

2) The required format for NULI is alphanumeric with
at least 1 character and no more than 22 characters,
and it cannot be NA, Exempt, 1111 or left blank.
An invalid ULI was reported. Please review the
inf ormation below and update your file accordingly.
1) Based on the check digit calculation, the ULI
contains a transcription error.
An invalid data field was reported. Please review the
inf ormation 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.
An invalid Loan Type was reported. Please review
the inf ormation below and update your f ile
accordingly.
1) Loan Type must equal 1, 2, 3, or 4, and cannot be
lef t blank.
An invalid Loan Purpose was reported. Please
review the inf ormation below and update your file
accordingly.

V612

Loan Purpose

Loan Purpose;
Preapproval

1) Loan Purpose must equal 1, 2, 31, 32, 4, or 5, and
cannot be left blank.
2) If Preapproval equals 1, then Loan Purpose must
equal 1.

Edit ID

Data Point
Name

Affected Data
Fields

Edit Description
An invalid Preapproval data field was provided.
Please review the information below and update your
f ile accordingly.
1) Preapproval must equal 1 or 2, and cannot be left
blank.

V613

Preapproval

Preapproval;
Action Taken

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.
An invalid Preapproval was provided. Please review
the inf ormation below and update your f ile
accordingly.

V614

Preapproval

Preapproval;
Loan Purpose;
Multif amily
Af fordable Units;
Reverse
Mortgage;
Open-End Line
of Credit

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.

Edit ID

V615

V616

V617

V618

Data Point
Name

Affected Data
Fields

Construction
Method

Construction
Method;
Manuf actured
Home Land
Property
Interest;
Manuf actured
Home Secured
Property Type

Occupancy
Type

Loan Amount

Action Taken

Edit Description
An invalid Construction Method was reported. Please
review the inf ormation 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.
An invalid Occupancy Type was reported. Please
review the inf ormation below and update your file
accordingly.
1) Occupancy Type must equal 1, 2, or 3, and cannot
be lef t blank.
An invalid Loan Amount was reported. Please review
the inf ormation below and update your f ile
accordingly.
1) Loan Amount must be a number greater than or
equal to 0, and cannot be left blank.
An invalid Action Taken was reported. Please review
the inf ormation below and update your f ile
accordingly.
1) Action Taken must equal 1, 2, 3, 4, 5, 6, 7, or 8,
and cannot be left blank.

100

Edit ID

V619

V620

V621

V622

Data Point
Name

Action Taken
Date

Property
Address

Street Address

Property
Address

Street Address;
City; State; Zip
Code

V624

Property
Address

An invalid Action Taken Date was reported. Please
review the inf ormation below and update your file
accordingly.

Action Taken
Date;
Application Date 2) The Action Taken Date must be in the reporting
year.

City

V623

Edit Description

1) Action Taken Date must be a valid date using
YYYYMMDD format, and cannot be left blank.

Property
Address

Property
Address;
Property
Location

101

Affected Data
Fields

State

Zip Code

3) If Action Taken equals 1, 2, 3, 4, 5, 7, or 8, then
the Action Taken Date must be on or after the
Application Date.
An invalid Street Address was provided. Please
review the inf ormation below and update your file
accordingly.
1) Street Address cannot be left blank.
An invalid City was provided. Please review the
inf ormation below and update your file accordingly.
1) City cannot be left blank.
An invalid City, State, and/or Zip Code were
provided. Please review the information below and
update your file accordingly.
1) If Street Address was not reported NA or Exempt,
then City, State, and Zip Code must be provided, and
not reported NA.
An invalid State was provided. Please review the
inf ormation below and update your file accordingly.
1) State must be either a two-letter state code or NA,
and cannot be left blank.
An invalid Zip Code was provided. Please review the
inf ormation 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.

Edit ID

V625

V626

V627

102

Data Point
Name

Affected Data
Fields

Edit Description

Property
Location

Census Tract

1) The required format for Census Tract is an elevendigit number or NA, and it cannot be left blank.

Property
Location

County

Property
Location

Census Tract;
County

An invalid Census Tract was provided. Please review
the inf ormation below and update your f ile
accordingly.

2) If Census Tract is not reported NA, then the
number provided must be a valid census tract
number defined by the U.S. Census Bureau.
An invalid County was provided. Please review the
inf ormation 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
An invalid Census Tract or County was provided.
Please review the information below and update your
f ile accordingly.
1) If County and Census Tract are not reported NA,
they must be a valid combination of information. The
f irst five digits of the Census Tract must match the
reported five-digit County FIPS code.

Edit ID

V628

103

Data Point
Name

Affected Data
Fields

Ethnicity

Ethnicity of
Applicant or
Borrower: 1;
Ethnicity of
Applicant or
Borrower: 2;
Ethnicity of
Applicant or
Borrower: 3;
Ethnicity of
Applicant or
Borrower: 4;
Ethnicity of
Applicant or
Borrower: 5;
Ethnicity of
Applicant or
Borrower: Free
Form Text Field
f or Other
Hispanic or
Latino

Edit Description
An invalid Ethnicity data field was reported. Please
review the inf ormation 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.

Edit ID

V629

V630

104

Data Point
Name

Ethnicity

Affected Data
Fields
Ethnicity of
Applicant or
Borrower: 1;
Ethnicity of
Applicant or
Borrower: 2;
Ethnicity of
Applicant or
Borrower: 3;
Ethnicity of
Applicant or
Borrower: 4;
Ethnicity of
Applicant or
Borrower: 5;
Ethnicity of
Applicant or
Borrower
Collected on the
Basis of Visual
Observation or
Surname;
Ethnicity of
Applicant or
Borrower: Free
Form Text Field
f or Other
Hispanic or
Latino.
Ethnicity of
Applicant or
Borrower: 1;
Ethnicity of
Applicant or
Borrower
Collected on the
Basis of Visual
Observation or
Surname

Edit Description

An invalid Ethnicity data field was reported. Please
review the inf ormation 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.

An invalid Ethnicity data field was reported. Please
review the inf ormation 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.

Edit ID

V631

105

Data Point
Name

Ethnicity

Edit Description
An invalid Ethnicity data field was reported. Please
review the inf ormation 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
lef t 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 CoApplicant or Co-Borrower: 5 must equal 1, 11, 12, 13,
14, 2, or be lef t 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 CoBorrower: 3; Ethnicity of Co-Applicant or CoBorrower: 4; Ethnicity of Co-Applicant or CoBorrower: 5 must be left blank.

Edit ID

V632

V633

106

Data Point
Name

Ethnicity

Affected Data
Fields
Ethnicity of CoApplicant or CoBorrower: 1;
Ethnicity of CoApplicant or CoBorrower: 2;
Ethnicity of CoApplicant or CoBorrower: 3;
Ethnicity of CoApplicant or CoBorrower: 4;
Ethnicity of CoApplicant or CoBorrower: 5;
Ethnicity of CoApplicant or CoBorrower
Collected on the
Basis of Visual
Observation or
Surname;
Ethnicity of CoApplicant or CoBorrower: Free
Form Text Field
f or Other
Hispanic or
Latino
Ethnicity of CoApplicant or CoBorrower: 1;
Ethnicity of CoApplicant or CoBorrower
Collected on the
Basis of Visual
Observation or
Surname

Edit Description

An invalid Ethnicity data field was reported. Please
review the inf ormation 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
lef t blank; and Ethnicity of Co-Applicant or CoBorrower: 3; Ethnicity of Co-Applicant or CoBorrower: 4; Ethnicity of Co-Applicant or CoBorrower: 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 Ethnicity 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.

An invalid Ethnicity data field was reported. Please
review the inf ormation below and update your file
accordingly.
1) If Ethnicity of Co-Applicant or Co-Borrower: 1
equals 4, then Ethnicity of Co-Applicant or CoBorrower Collected on the Basis of Visual
Observation or Surname must equal 3.

Edit ID

V634

107

Data Point
Name

Ethnicity

Affected Data
Fields
Ethnicity of CoApplicant or CoBorrower: 1;
Ethnicity of CoApplicant or CoBorrower
Collected on the
Basis of Visual
Observation or
Surname

Edit Description
An invalid Ethnicity data field was reported. Please
review the inf ormation below and update your file
accordingly.
1) If Ethnicity of Co-Applicant or Co-Borrower: 1
equals 5, then Ethnicity of Co-Applicant or CoBorrower Collected on the Basis of Visual
Observation or Surname must equal 4, and the
reverse must be true.

Edit ID

V635

108

Data Point
Name

Race

Affected Data
Fields
Race of
Applicant or
Borrower: 1;
Race of
Applicant or
Borrower: 2;
Race of
Applicant or
Borrower: 3;
Race of
Applicant or
Borrower: 4;
Race of
Applicant or
Borrower: 5;
Race of
Applicant or
Borrower: Free
Form Text Field
f or American
Indian or Alaska
Native Enrolled
or Principal
Tribe; Race of
Applicant or
Borrower: Free
Form Text Field
f or Other Asian;
Race of
Applicant or
Borrower: Free
Form Text Field
f or Other Pacific
Islander

Edit Description

An invalid Race data field was reported. Please
review the inf ormation below and update your file
accordingly.
1) Race of Applicant or Borrower: 1 must 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 lef t 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.

Edit ID

V636

109

Data Point
Name

Race

Affected Data
Fields
Race of
Applicant or
Borrower: 1;
Race of
Applicant or
Borrower: 2;
Race of
Applicant or
Borrower: 3;
Race of
Applicant or
Borrower: 4;
Race of
Applicant or
Borrower: 5;
Race of
Applicant or
Borrower
Collected on the
Basis of Visual
Observation or
Surname; Race
of Applicant or
Borrower: Free
Form Text Field
f or American
Indian or Alaska
Native Enrolled
or Principal
Tribe; Race of
Applicant or
Borrower: Free
Form Text Field
f or Other Asian;
Race of
Applicant or
Borrower: Free
Form Text Field
f or Other Pacific
Islander

Edit Description

An invalid Race data field was reported. Please
review the inf ormation 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 Race 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 lef t blank.

Edit ID

V637

110

Data Point
Name

Race

Affected Data
Fields
Race of
Applicant or
Borrower: 1;
Race of
Applicant or
Borrower
Collected on the
Basis of Visual
Observation or
Surname

Edit Description

An invalid Race data field was reported. Please
review the inf ormation 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.

Edit ID

V638

111

Data Point
Name

Race

Affected Data
Fields
Race of CoApplicant or CoBorrower: 1;
Race of CoApplicant or CoBorrower: 2;
Race of CoApplicant or CoBorrower: 3;
Race of CoApplicant or CoBorrower: 4;
Race of CoApplicant or CoBorrower: 5;
Race of CoApplicant or CoBorrower: Free
Form Text Field
f or American
Indian or Alaska
Native Enrolled
or Principal
Tribe; Race of
Co-Applicant or
Co-Borrower:
Free Form Text
Field f or Other
Asian; Race of
Co-Applicant or
Co-Borrower:
Free Form Text
Field f or Other
Pacif ic Islander

Edit Description

An invalid Race data field was reported. Please
review the inf ormation 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 CoBorrower: 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 CoBorrower: 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 CoApplicant 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 CoApplicant or Co-Borrower: 5 must be left blank.

Edit ID

V639

112

Data Point
Name

Race

Affected Data
Fields
Race of CoApplicant or CoBorrower: 1;
Race of CoApplicant or CoBorrower: 2;
Race of CoApplicant or CoBorrower: 3;
Race of CoApplicant or CoBorrower: 4;
Race of CoApplicant or CoBorrower: 5;
Race of CoApplicant or CoBorrower
Collected on the
Basis of Visual
Observation or
Surname; Race
of Co-Applicant
or Co-Borrower:
Free Form Text
Field f or
American Indian
or Alaska Native
Enrolled or
Principal Tribe;
Race of CoApplicant or CoBorrower: Free
Form Text Field
f or Other Asian;
Race of CoApplicant or CoBorrower: Free
Form Text Field
f or Other Pacific
Islander

Edit Description

An invalid Race data field was reported. Please
review the inf ormation 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 CoApplicant or Co-Borrower: 2; Race of Co-Applicant or
Co-Borrower: 3; Race of Co-Applicant or CoBorrower: 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 CoBorrower: 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 CoBorrower: 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 CoApplicant 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.

Edit ID

V640

V641

V642

V643

113

Data Point
Name

Race

Sex

Affected Data
Fields
Race of CoApplicant or CoBorrower: 1;
Race of CoApplicant or CoBorrower
Collected on the
Basis of Visual
Observation or
Surname
Race of CoApplicant or CoBorrower: 1;
Race of CoApplicant or CoBorrower
Collected on the
Basis of Visual
Observation or
Surname
Sex of Applicant
or Borrower;
Sex of Applicant
or Borrower
Collected on the
Basis of Visual
Observation or
Surname
Sex of Applicant
or Borrower;
Sex of Applicant
or Borrower
Collected on the
Basis of Visual
Observation or
Surname

Edit Description
An invalid Race data field was reported. Please
review the inf ormation 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.
An invalid Race data field was reported. Please
review the inf ormation 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.
An invalid Sex data field was reported. Please review
the inf ormation below and update your f ile
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.
An invalid Sex data field was reported. Please review
the inf ormation below and update your f ile
accordingly.
1) If Sex of Applicant or Borrower Collected on the
Basis of Visual Observation or Surname equals 1,
then Sex of Applicant or Borrower must equal 1 or 2.

Edit ID

V644

V645

V646

V647

114

Data Point
Name

Affected Data
Fields

Edit Description

Sex

Sex of Applicant
or Borrower;
Sex of Applicant
or Borrower
Collected on the
Basis of Visual
Observation or
Surname

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.

Sex

Sex of Applicant
or Borrower;
Sex of Applicant
or Borrower
Collected on the
Basis of Visual
Observation or
Surname
Sex of CoApplicant or CoBorrower; Sex of
Co-Applicant or
Co-Borrower
Collected on the
Basis of Visual
Observation or
Surname
Sex of CoApplicant or CoBorrower; Sex of
Co-Applicant or
Co-Borrower
Collected on the
Basis of Visual
Observation or
Surname

An invalid Sex data field was reported. Please review
the inf ormation below and update your f ile
accordingly.

2) If Sex of Applicant or Borrower equals 6, then Sex
of Applicant or Borrower Collected on the Basis of
Visual Observation or Surname must equal 2 or 3.
An invalid Sex data field was reported. Please review
the inf ormation below and update your f ile
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.
An invalid Sex data field was reported. Please review
the inf ormation below and update your f ile
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.
An invalid Sex data field was reported. Please review
the inf ormation below and update your f ile
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.

Edit ID

V648

V649

V650

115

Data Point
Name

Affected Data
Fields

Sex

Sex of CoApplicant or CoBorrower; Sex of
Co-Applicant or
Co-Borrower
Collected on the
Basis of Visual
Observation or
Surname

Sex

Sex of CoApplicant or CoBorrower; Sex of
Co-Applicant or
Co-Borrower
Collected on the
Basis of Visual
Observation or
Surname
Sex of CoApplicant or CoBorrower; Sex of
Co-Applicant or
Co-Borrower
Collected on the
Basis of Visual
Observation or
Surname

Edit Description
An invalid Sex data field was reported. Please review
the inf ormation below and update your f ile
accordingly.
1) If Sex 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.
An invalid Sex data field was reported. Please review
the inf ormation below and update your f ile
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.
An invalid Sex data field was reported. Please review
the inf ormation below and update your f ile
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.

Edit ID

V651

V652

V654

Data Point
Name

Affected Data
Fields

Age

Age of Applicant
or Borrower;
Ethnicity of
Applicant or
Borrower 1;
Race of
Applicant or
Borrower 1; Sex
of Applicant or
Borrower

Age

Age of CoApplicant or CoBorrower;
Ethnicity of CoApplicant or CoBorrower 1;
Race of CoApplicant or CoBorrower 1; Sex
of Co-Applicant
or Co-Borrower

Income

Income;
Multif amily
Af fordable Units

Edit Description
An invalid Age of Applicant or Borrower was
reported. Please review the information below and
update your file accordingly.
1) Age of Applicant or Borrower must be a whole
number greater than zero, and cannot be left blank.
2) If the Ethnicity of Applicant or Borrower: 1 equals
4; and Race of Applicant or Borrower: 1 equals 7;
Sex of Applicant or Borrower equals 4; and Action
Taken does not equal 6, indicating the applicant or
borrower is a non-natural person, then Age of
Applicant or Borrower must equal 8888.
An invalid Age of Co-Applicant or Co-Borrower was
reported. Please review the information below and
update your file accordingly.
1) Age of Co-Applicant or Co-Borrower must be a
whole number greater than zero, and cannot be left
blank.
2) If the Ethnicity of Co-Applicant or Co-Borrower: 1
equals 4; and Race of Co-Applicant or Co-Borrower:
1 equals 7; and Sex of Co-Applicant or Co-Borrower:
1 equals 4; and Action Taken does not equal 6,
indicating that the co-applicant or co-borrower is a
non-natural person, then Age of Co-Applicant or CoBorrower must equal 8888.
An invalid Income was reported. Please review the
inf ormation 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 Units is a number, then
Income must be NA.

116

Edit ID

V655

Data Point
Name

Income

Affected Data
Fields
Income;
Ethnicity of
Applicant or
Borrower: 1;
Race of
Applicant or
Borrower: 1; Sex
of Applicant or
Borrower: 1;
Ethnicity of CoApplicant or CoBorrower: 1;
Race of CoApplicant or CoBorrower: 1; Sex
of Co-Applicant
or Co-Borrower:
1

Edit Description

An invalid Income was reported. Please review the
inf ormation 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.
An invalid Type of Purchaser was reported. Please
review the inf ormation below and update your file
accordingly.

V656

Type of
Purchaser

Type of
Purchaser;
Action Taken

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 Purchaser must equal 0.
An invalid Rate Spread was reported. Please review
the inf ormation below and update your f ile
accordingly.

V657

Rate Spread

Rate Spread;
Action Taken;
Reverse
Mortgage

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.

117

Edit ID

V658

V659

V660

V661

118

Data Point
Name

Affected Data
Fields

HOEPA Status

HOEPA Status;
Action Taken

Lien Status

Credit Score

Lien Status

Credit Score of
Applicant or
Borrower;
Applicant or
Borrower, Name
and Version of
Credit Scoring
Model
Credit Score of
Applicant or
Borrower;
Applicant or
Borrower, Name
and Version of
Credit Scoring
Model

Edit Description
An invalid HOEPA Status was reported. Please
review the inf ormation below and update your file
accordingly.
1) HOEPA Status must equal 1, 2, or 3, and cannot
be lef t blank.
2) If Action Taken equals 2, 3, 4, 5, 7, or 8, then
HOEPA Status must be 3.
An invalid Lien Status was reported. Please review
the inf ormation below and update your f ile
accordingly.
1) Lien Status must equal 1 or 2, and cannot be left
blank.
An invalid Credit Score data field was reported.
Please review the information below and update your
f ile 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.
An invalid Credit Score data field was reported.
Please review the information below and update your
f ile 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.

Edit ID

V662

V663

119

Data Point
Name

Affected Data
Fields

Credit Score

Applicant or
Borrower, Name
and Version of
Credit Scoring
Model; Applicant
or Borrower,
Name and
Version of Credit
Scoring Model:
Conditional Free
Form Text Field
f or Code 8

Credit Score

Action Taken;
Credit Score of
Applicant or
Borrower;
Applicant or
Borrower, Name
and Version of
Credit Scoring
Model; Applicant
or Borrower,
Name and
Version of Credit
Scoring Model:
Conditional Free
Form Text Field
f or Code 8

Edit Description
An invalid Credit Score data field was reported.
Please review the information below update your f ile
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 Applicant 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.

An invalid Credit Score data field was reported.
Please review the information below and update your
f ile accordingly.
1) If Action Taken equals 4, 5, or 6, then Credit Score
of Applicant or Borrower must equal 8888 or 1111;
and Applicant 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.

Edit ID

V664

V665

120

Data Point
Name

Credit Score

Affected Data
Fields
Action Taken;
Credit Score of
Co-Applicant or
Co-Borrower:
Co-Applicant or
Co-Borrower,
Name and
Version of Credit
Scoring Model;
Co-Applicant or
Co-Borrower,
Name and
Version of Credit
Scoring Model:
Conditional Free
Form Text Field
f or Code 8
Credit Score of
Co-Applicant or
Co-Borrower;
Co-Applicant or
Co-Borrower,
Name and
Version of Credit
Scoring Model

Edit Description

An invalid Credit Score data field was reported.
Please review the information below and update your
f ile 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

An invalid Credit Score data field was reported.
Please review the information below and update your
f ile 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.

Edit ID

V666

V667

121

Data Point
Name

Affected Data
Fields

Credit Score

Credit Score of
Co-Applicant or
Co-Borrower;
Co-Applicant or
Co-Borrower,
Name and
Version of Credit
Scoring Model

Credit Score

Co-Applicant or
Co-Borrower,
Name and
Version of Credit
Scoring Model;
Co-Applicant or
Co-Borrower,
Name and
Version of Credit
Scoring Model:
Conditional Free
Form Text Field
f or Code 8

Edit Description
An invalid Credit Score data field was reported.
Please review the information below and update your
f ile accordingly.
1) If Credit Score of Co-Applicant or Co-Borrower
equals 8888, indicating not applicable, then CoApplicant 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 CoApplicant or Co-Borrower, Name and Version of
Credit Scoring Model must equal 10, and the
reverse must be true.
An invalid Credit Score data field was reported.
Please review the information below and update your
f ile 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 CoBorrower, 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, then CoApplicant or Co-Borrower, Name and Version of
Credit Scoring Model: Conditional Free Form Text
Field for Code 8 must not be left blank, and the
reverse must be true.

Edit ID

V668

Data Point
Name

Credit Score

Affected Data
Fields
Credit Score of
Applicant or
Borrower; Credit
Score of CoApplicant or CoBorrower;
Ethnicity of
Applicant or
Borrower 1;
Race of
Applicant or
Borrower 1; Sex
of Applicant or
Borrower;
Ethnicity of CoApplicant or CoBorrower 1;
Race of CoApplicant or CoBorrower 1; Sex
of Co-Applicant
or Co-Borrower

Edit Description

An invalid Credit Score data point was reported.
Please review the information below and update your
f ile 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 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
equals 4 indicating that the co-applicant is a nonnatural person, then Credit Score of Co-Applicant or
Co-Borrower must equal 8888, indicating not
applicable, or 1111.

An invalid Reason for Denial data field was reported.
Please review the information below and update your
f ile accordingly.

V669

Reason f or
Denial

Reason f or
Denial: 1;
Reason f or
Denial: 2;
Reason f or
Denial: 3;
Reason f or
Denial: 4

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 lef t blank.
3) Each Reason for Denial code 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.

122

Edit ID

Data Point
Name

Affected Data
Fields

Edit Description
An invalid Reason for Denial data field was reported.
Please review the information below and update your
f ile 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.

V670

Reason f or
Denial

Action Taken;
Reason f or
Denial: 1

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.

V671

123

Reason f or
Denial

Reason f or
Denial: 1;
Reason f or
Denial: 2;
Reason f or
Denial: 3;
Reason f or
Denial: 4;
Reason f or
Denial:
Conditional Free
Form Text Field
f or Code 9

4) If Reason for Denial: 1 equals 10, then Action
Taken must equal 1, 2, 4, 5, 6, or 8.
An invalid Reason for Denial data field was reported.
Please review the information below and update your
f ile accordingly.
1) Reason for Denial: 1; Reason for Denial: 2;
Reason for Denial: 3; or Reason for Denial: 4 was
reported Code 9: Other; however, the Reason for
Denial: Conditional Free Form Text Field for Code 9
was lef t 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.

Edit ID

V672

Data Point
Name

Total Loan
Costs or Total
Points and Fees

Affected Data
Fields

Total Loan
Costs; Total
Points and
Fees; Action
Taken; Reverse
Mortgage;
Open-End Line
of Credit;
Business or
Commercial
Purpose

Edit Description
An invalid Total Loan Costs or Total Points and Fees
data f ield was reported. Please review the
inf ormation below and update your file accordingly.
1) Total Loan Costs must 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 Reverse 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.
An invalid Total Points and Fees was reported.
Please review the information below and update your
f ile accordingly.

V673

Total Loan
Costs or Total
Points and Fees

Total Points and
Fees; Action
Taken; Reverse
Mortgage;
Business or
Commercial
Purpose

1) Total Points and Fees must be a 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.

124

Edit ID

V674

Data Point
Name

Affected Data
Fields

Origination
Charges

Origination
Charges;
Reverse
Mortgage;
Open-End Line
of Credit;
Business or
Commercial
Purpose; Action
Taken

Edit Description
An invalid Origination Charges was reported. Please
review the inf ormation 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.
An invalid Discount Points was reported. Please
review the inf ormation below and update your file
accordingly.

V675

Discount Points

Discount Points;
Reverse
Mortgage;
Open-End Line
of Credit;
Business or
Commercial
Purpose; Action
Taken

1) Discount Points must 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 Points must be NA or Exempt.

125

Edit ID

V676

Data Point
Name

Affected Data
Fields

Lender Credits

Lender Credits;
Reverse
Mortgage;
Open-End Line
of Credit;
Business or
Commercial
Purpose; Action
Taken

Edit Description
An invalid Lender Credits was reported. Please
review the inf ormation 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, then Lender Credits
must 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.
An invalid Interest Rate was reported. Please review
the inf ormation below and update your f ile
accordingly.

V677

Interest Rate

Interest Rate;
Action Taken

1) Interest Rate must be a number greater than or
equal to 0, Exempt, or NA, and cannot be left blank.
2) If Action Taken equals 3, 4, 5, or 7; then Interest
Rate must be NA or Exempt.

126

Edit ID

V678

Data Point
Name

Prepayment
Penalty Term

Affected Data
Fields

Prepayment
Penalty Term;
Action Taken;
Reverse
Mortgage;
Business or
Commercial
Purpose; Loan
Term

Edit Description
An invalid Prepayment Penalty Term was reported.
Please review the information below and update your
f ile accordingly.
1) Prepayment Penalty Term must be a whole
number greater than 0, Exempt, or NA, and cannot
be lef t 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 Purpose equals 1, then
Prepayment Penalty Term must be NA or Exempt.
5) If both Prepayment Penalty Term and Loan Term
are numbers, then Prepayment Penalty Term must
be less than or equal to Loan Term.
An invalid Debt-to-Income Ratio was reported.
Please review the information below and update your
f ile accordingly.

V679

Debt-to-Income
Ratio

Debt-to-Income
Ratio,
Multif amily
Af fordable Units,
Action Taken

1) Debt-to-Income Ratio must be a number, Exempt,
or NA, and cannot be left blank.
2) If Action Taken equals 4, 5, or 6, then Debt-toIncome Ratio must be NA or Exempt.
3) If Multifamily Affordable Units is a number, then
Debt-to-Income Ratio must be NA or Exempt.

127

Edit ID

V680

V681

Data Point
Name

Affected Data
Fields

Debt-to-Income
Ratio

Debt-to-Income
Ratio; Ethnicity
of Applicant or
Borrower: 1;
Race of
Applicant or
Borrower: 1; Sex
of Applicant or
Borrower: 1;
Ethnicity of CoApplicant or CoBorrower: 1;
Race of CoApplicant or CoBorrower: 1; Sex
of Co-Applicant
or Co-Borrower:
1

Edit Description
An invalid Debt-to-Income Ratio was reported.
Please review the information below and update your
f ile 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 Ratio must 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 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 indicating that the co-applicant or coborrower is also a non-natural person, then Debt-toIncome Ratio must be NA or Exempt.
An invalid Combined Loan-to-Value Ratio was
reported. Please review the information below and
update your file accordingly.

Combined LoanCombined Loan1) Combined Loan-to-Value Ratio must be a number
to-Value Ratio;
to-Value Ratio
greater than 0, Exempt, or NA, and cannot be left
Action Taken
blank.
2) If Action Taken equals 4, 5, or 6, then Combined
Loan-to-Value ratio must be NA or Exempt.

128

Edit ID

V682

V683

V684

V685

V686

V687

129

Data Point
Name

Affected Data
Fields

Loan Term

Loan Term;
Reverse
Mortgage

Introductory
Rate Period

Non-Amortizing
Features

Balloon
Payment

Non-Amortizing
Features

Interest-Only
Payments

Non-Amortizing
Features

Negative
Amortization

Non-Amortizing
Features

Other Nonamortizing
Features

Edit Description
An invalid Loan Term was reported. Please review
the inf ormation below and update your f ile
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.
An invalid Introductory Rate Period was reported.
Please review the information below and update your
f ile accordingly.
1) Introductory Rate Period must be a whole number
greater than zero, Exempt, or NA, and cannot be left
blank.
An invalid Balloon Payment was reported. Please
review the inf ormation below and update your file
accordingly.
1) Balloon Payment must equal 1111, 1, or 2, and
cannot be left blank.
An invalid Interest Only Payments was reported.
Please review the information below and update your
f ile accordingly.
1) Interest Only Payments must equal 1111, 1, or 2,
and cannot be left blank.
An invalid Negative Amortization was reported.
Please review the information below and update your
f ile accordingly.
1) Negative Amortization must equal 1111, 1, or 2,
and cannot be left blank.
An invalid Other Non-amortizing Features was
reported. Please review the information below and
update your file accordingly.
1) Other Non-amortizing Features must equal 1111,
1, or 2, and cannot be left blank.

Edit ID

V688

Data Point
Name

Affected Data
Fields

Property Value

Property Value;
Action Taken

Edit Description
An invalid Property Value was reported. Please
review the inf ormation 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.
An invalid Manufactured Home Secured Property
Type was reported. Please review the information
below and update your file accordingly.

V689

Manuf actured
Home Secured
Property Type

Manuf actured
Home Secured
Property Type;
Multif amily
Af fordable Units;
Construction
Method

1) Manufactured Home Secured Property Type must
equal 1111, 1, 2, or 3, and cannot be left blank.
2) If Multifamily Affordable Units is 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.
An invalid Manufactured Home Land Property
Interest was reported. Please review the information
below and update your file accordingly.

V690

Manuf actured
Home Land
Property Interest

Manuf actured
Home Land
Property
Interest;
Multif amily
Af fordable Units;
Construction
Method

1) Manufactured Home Land Property Interest must
equal 1111, 1, 2, 3, 4, or 5, and cannot be left blank.
2 If Multifamily Affordable Units is 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.

130

Edit ID

V691

Data Point
Name

Affected Data
Fields

Total Units

Edit Description
An invalid Total Units was reported. Please review
the inf ormation below and update your f ile
accordingly.
1) Total Units must be a whole number greater than
0, and cannot be left blank.
An invalid Multifamily Affordable Units was reported.
Please review the information below and update your
f ile accordingly.

V692

Multif amily
Af fordable Units

Multif amily
Af fordable Units;
Total Units

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 Units is greater than or equal to 5, then
Multifamily Affordable Units must be less than or
equal to Total Units, NA or Exempt.
An invalid Application Channel data field was
reported. Please review the information below and
update your file accordingly.

V693

Application
Channel

Submission of
Application;
Action Taken

1) Submission of Application must equal 1111, 1, 2,
or 3, and cannot be left blank.
2) If Action 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.

131

Edit ID

V694

Data Point
Name

Affected Data
Fields

Application
Channel

Initially Payable
to Your
Institution;
Action Taken

Edit Description
An invalid Application Channel data field was
reported. Please review the information below and
update your file accordingly.
1) Initially Payable to Your Institution must 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 Taken equals 1, then Initially Payable to
Your Institution must equal 1111, 1, or 2.
An invalid NMLSR Identifier was reported. Please
review the inf ormation below and update your file
accordingly.

V695

Mortgage Loan
Originator
NMLSR
Identif ier

1) NMLSR Identifier must be a valid NMLSR ID in
integer f ormat, NA, or Exempt, and cannot be left
blank.
2) NMLSR Identifier must not contain only the
number zero (0) as a value.

132

Edit ID

V696

133

Data Point
Name

Automated
Underwriting
System

Affected Data
Fields
Automated
Underwriting
System: 1;
Automated
Underwriting
System: 2;
Automated
Underwriting
System: 3;
Automated
Underwriting
System: 4;
Automated
Underwriting
System: 5;
Automated
Underwriting
System Result:
1; Automated
Underwriting
System Result:
2; Automated
Underwriting
System Result:
3; Automated
Underwriting
System Result:
4; Automated
Underwriting
System Result:
5

Edit Description

An invalid Automated Underwriting System data field
was reported. Please review the information below
and update your file accordingly.
1) Automated Underwriting System: 1 must equal
1111, 1, 2, 3, 4, 5, 6, or 7 and cannot be left blank.
Automated Underwriting System: 2; Automated
Underwriting System: 3; Automated Underwriting
System: 4; and Automated Underwriting System: 5
must equal 1, 2, 3, 4, 5, 7 or be left blank.
2) Automated Underwriting System Result: 1 must
equal 1111, 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14,
15, 16, 17, 18, 19, 20, 21, 22, 23, or 24 and cannot
be lef t 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.

Edit ID

V699

134

Data Point
Name

Automated
Underwriting
System

Edit Description

An invalid Automated Underwriting System data field
was reported. Please review the information below
and update your file accordingly.
1) If Automated Underwriting System: 1; Automated
Underwriting System: 2; Automated Underwriting
System: 3; Automated Underwriting System: 4; or
Automated Underwriting System: 5 equals 5, then
the corresponding Automated Underwriting System
Result: 1; Automated Underwriting System Result: 2;
Automated Underwriting System Result: 3;
Automated Underwriting System Result: 4; or
Automated Underwriting System Result: 5 must
equal 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15,
16, 18, 19, 20, 21, 22, 23 or 24.

Edit ID

V700

135

Data Point
Name

Automated
Underwriting
System

Edit Description

An invalid Automated Underwriting System data field
was reported. Please review the information below
and update your file accordingly.
1) If Automated Underwriting System: 1 equals 6,
then the corresponding Automated Underwriting
System Result: 1 must equal 17; and the Automated
Underwriting System: 2; Automated Underwriting
System: 3; Automated Underwriting System: 4;
Automated Underwriting System: 5; Automated
Underwriting System Result: 2; Automated
Underwriting System Result: 3; Automated
Underwriting System Result: 4; and Automated
Underwriting System Result: 5 must all be left blank.
2) If Automated Underwriting System Result: 1
equals 17, then the corresponding Automated
Underwriting System: 1 must equal 6; and the
Automated Underwriting System: 2; Automated
Underwriting System: 3; Automated Underwriting
System: 4; Automated Underwriting System: 5;
Automated Underwriting System Result: 2;
Automated Underwriting System Result: 3;
Automated Underwriting System Result: 4; and
Automated Underwriting System Result: 5 must all
be lef t blank.

Edit ID

V701

136

Data Point
Name

Automated
Underwriting
System

Affected Data
Fields
Automated
Underwriting
System: 2;
Automated
Underwriting
System: 3;
Automated
Underwriting
System: 4;
Automated
Underwriting
System: 5;
Automated
Underwriting
System Result:
2; Automated
Underwriting
System Result:
3; Automated
Underwriting
System Result:
4; Automated
Underwriting
System Result:
5

Edit Description

An invalid Automated Underwriting System data field
was reported. Please review the information below
and update your file accordingly.
1) If Automated Underwriting System: 2; Automated
Underwriting System: 3; Automated Underwriting
System: 4; or Automated Underwriting System: 5
was lef t 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
lef t blank.

Edit ID

V702

137

Data Point
Name

Automated
Underwriting
System

Edit Description
An invalid Automated Underwriting System data field
was reported. Please review the information below
and update your file accordingly.
1) Automated Underwriting System: 1; Automated
Underwriting System: 2; Automated Underwriting
System: 3; Automated Underwriting System: 4; or
Automated Underwriting System: 5 was reported
Code 5: Other. However, the Automated
Underwriting System: Conditional Free Form Text
Field for Code 5 was lef t 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; or Automated Underwriting
System: 5.

Edit ID

V703

V704

138

Data Point
Name

Affected Data
Fields

Automated
Underwriting
System

Automated
Underwriting
System Result:
1; Automated
Underwriting
System Result:
2; Automated
Underwriting
System Result:
3; Automated
Underwriting
System Result:
4; Automated
Underwriting
System Result:
5; Automated
Underwriting
System Result:
Conditional Free
Form Text Field
f or Code 16

Automated
Underwriting
System

Action Taken;
Automated
Underwriting
System: 1;
Automated
Underwriting
System Result:
1

Edit Description
An invalid Automated Underwriting System Result
data f ield was reported. Please review the
inf ormation 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 lef t 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.
An invalid Automated Underwriting System data field
was reported. Please review the information below
and update your file accordingly.
1) If Action Taken equals 6, then Automated
Underwriting System: 1 must equal 1111 or 6.
2) If Action Taken equals 6, then Automated
Underwriting System Result: 1 must equal 1111 or
17.

Edit ID

V705

V706

V707

Data Point
Name

Affected Data
Fields

Automated
Underwriting
System

Automated
Underwriting
System: 1;
Automated
Underwriting
System Result:
1; Ethnicity of
Applicant or
Borrower: 1;
Race of
Applicant or
Borrower: 1; Sex
of Applicant or
Borrower: 1;
Ethnicity of CoApplicant or CoBorrower: 1;
Race of CoApplicant or CoBorrower: 1; Sex
of Co-Applicant
or Co-Borrower:
1

Reverse
Mortgage

Open-End Line
of Credit

Edit Description
An invalid Automated Underwriting System data field
was reported. Please review the information below
and update your file accordingly.
1) If Ethnicity of Applicant or Borrower: 1 equals 4;
and Race of Applicant or Borrower: 1 equals 7; and
Sex 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 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 coborrower, 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 Sex of Applicant or Borrower: 1 equals 4
indicating the applicant or borrower is a non-natural
person; and Ethnicity of Co-Applicant or CoBorrower: 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 coapplicant 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.
An invalid Reverse Mortgage was reported. Please
review the inf ormation below and update your file
accordingly.
1) Reverse Mortgage must equal 1111, 1, or 2, and
cannot be left blank.
An invalid Open-End Line of Credit was reported.
Please review the information below and update your
f ile accordingly.
1) Open-End Line of Credit must equal 1111, 1, or 2,
and cannot be left blank.

139

Edit ID

V708

V709

140

Data Point
Name

Affected Data
Fields

Business or
Commercial
Purpose

Property
Address

Street Address;
City; Zip Code

Edit Description
An invalid Business or Commercial Purpose was
reported. Please review the information below and
update your file accordingly.
1) Business or Commercial Purpose must equal
1111, 1, or 2, and cannot be left blank.
An invalid Property Address was reported. Please
review the inf ormation below and update your file
accordingly.
1) If Street Address, City, or Zip Code is reported
Exempt, then all three must be reported Exempt.

Edit ID

V710

141

Data Point
Name

Credit Score

Affected Data
Fields
Credit Score of
Applicant or
Borrower; Credit
Score of CoApplicant or CoBorrower;
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
f or Code 8; CoApplicant or CoBorrower, Name
and Version of
Credit Scoring
Model; CoApplicant or CoBorrower, Name
and Version of
Credit Scoring
Model:
Conditional Free
Form Text Field
f or Code 8

Edit Description

An invalid Credit Score was reported. Please review
the inf ormation below and update your f ile
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 f or 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
lef t blank.

Edit ID

V711

V712

142

Data Point
Name

Reason f or
Denial

Total Loan
Costs or Total
Points and Fees

Affected Data
Fields
Reason f or
Denial: 1;
Reason f or
Denial: 2;
Reason f or
Denial: 3;
Reason f or
Denial: 4;
Reason f or
Denial:
Conditional Free
Form Text Field
f or Code 9

Total Loan
Costs; Total
Points and Fees

Edit Description
An invalid Reason for Denial was reported. Please
review the inf ormation 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 f or Denial: 2, Reason for Denial: 3,
Reason f or Denial: 4, and Reason for Denial:
Conditional Free Form Text Field for Code 9 must be
lef t blank.
An invalid Total Loan Costs or Total Points and Fees
was reported. Please review the information below
and update your file accordingly:
1) If the Total Loan Costs or Total Points and Fees
exemption election is taken, Total Loan Costs and
Total Points and Fees must be reported Exempt.

V713

143

Automated
Underwriting
System

Automated
Underwriting
System: 1;
Automated
Underwriting
System: 2;
Automated
Underwriting
System: 3;
Automated
Underwriting
System: 4;
Automated
Underwriting
System: 5;
Automated
Underwriting
System:
Conditional Free
Form Text Field
f or 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
f or Code 16

An invalid Automated Underwriting System was
reported. Please review the information below and
update your file accordingly:
If the Automated Underwriting System exemption
election is taken,
1) Automated Underwriting System: 1 and
Automated Underwriting System Result: 1 must be
reported 1111; and
2) Automated Underwriting System: 2, Automated
Underwriting System: 3, Automated Underwriting
System: 4, Automated Underwriting System: 5,
Automated Underwriting System: Conditional Free
Form Text Field for Code 5, Automated Underwriting
System Result: 2, Automated Underwriting System
Result: 3, Automated Underwriting System Result: 4,
Automated Underwriting System Result: 5, and
Automated Underwriting System Result: Conditional
Free Form Text Field for Code 16 must be left blank.

Edit ID

V714

V715

Data Point
Name

Application
Channel

Non-Amortizing
Features

Affected Data
Fields
Submission of
Application;
Initially Payable
to Your
Institution
Balloon
Payment;
Interest-Only
Payments;
Negative
Amortization;
Other Nonamortizing
Features

V716

Property
Location

County; State

V719

Financial
Institution Name

144

Edit Description
An invalid Application Channel was reported. Please
review the inf ormation 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.
An invalid Non-Amortizing Features was reported.
Please review the information below and update your
f ile 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.
An invalid Property Location was reported. Please
review the inf ormation 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.
An invalid Financial Institution Name was reported.
Please review the information below and update your
f ile accordingly:
1) The required format for Financial Institution Name
is alphanumeric. The Financial Institution Name field
contains only numbers and no letters.

Edit ID

V720

V721

TABLE 7:

Edit ID

Q600

Q601

145

Data Point
Name

Credit Score

Age

Affected Data
Fields
Credit Score of
Applicant or
Borrower; Credit
Score of CoApplicant or CoBorrower;
Applicant or
Borrower, Name
and Version of
Credit Scoring
Model;
Co-Applicant or
Co-Borrower,
Name and
Version of Credit
Scoring Model
Age of Applicant
or Borrower;
Age of CoApplicant or CoBorrower

Edit Description

An invalid Credit Score was reported. Please review
the inf ormation below and update your f ile
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.

An invalid Age was reported. Please review the
inf ormation 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.

QUALITY EDITS FOR LOAN/APPLICATION REGISTER

Data Point
Name

Affected Data
Fields

ULI

Application
Date

Application
Date; Action
Taken Date

Edit Description
Please verify the information below and update your
f ile, if needed
1) A duplicate ULI or NULI was reported.
Please verify the information below and update your
f ile, if needed.
1) Application Date occurs more than two years prior to
Action Taken Date.

Data Point
Name

Affected Data
Fields

Q602

Property
Address

Street Address;
City; State; Zip
Code

Q603

Property
Location

County; Census
Tract

Q605

Type of
Purchaser

Type of
Purchaser; Loan
Type

Edit ID

Edit Description
Please verify the information below and update your
f ile, if needed.
1) Street Address was reported NA, but City, State, and
Zip Code were provided.
An invalid Census Tract was reported. Please review
the inf ormation below and update your f ile accordingly.
1) The County has 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.
Please review the information below and update your
f ile, 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.
Please review the information below and update your
f ile, if needed.

Q606

Income

Q607

Loan Amount

Loan Amount;
Lien Status

Action Taken

Action Taken;
Action Taken
Date;
1) If Action Taken equals 1, then the Action Taken Date
Application Date
generally should occur after the Application Date.

Q608

146

1) If Income is a number, then it generally should be
less than $10 million (entered as 10000).
Please review the information below and update your
f ile, if needed.
1) If Lien Status equals 2, then Loan Amount generally
should be less than or equal to $250 thousand (entered
as 250000).
Please review the information below and update your
f ile, if needed.

Data Point
Name

Affected Data
Fields

Q609

Type of
Purchaser

Type of
Purchaser; Rate
Spread

Q610

HOEPA
Status

Action Taken;
Lien Status;
Rate Spread;
HOEPA Status

Q611

HOEPA
Status

Action Taken;
Lien Status;
Rate Spread;
HOEPA Status

Q612

HOEPA
Status

Type of
Purchaser;
HOEPA Status

Loan Purpose

Business or
Commercial
Purpose; Loan
Purpose

Age

Age of Applicant
or Borrower;
Age of CoApplicant or CoBorrower

Edit ID

Q613

Q614

147

Edit Description
Please review the information below and update your
f ile, 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.
Please review the information below and update your
f ile, 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.
Please review the information below and update your
f ile, if needed.
1) If Action Taken equals 1, Lien Status equals 2, and
Rate Spread is greater than 8.5%, then HOEPA Status
generally should be 1.
Please review the information below and update your
f ile, if needed.
1) If Type of Purchaser equals 1 or 3, then HOEPA
Status generally should be 2 or 3.
Please review the information below and update your
f ile, if needed.
1) If Business or Commercial Purpose equals 1, then
Loan Purpose generally should equal 1, 2, 31, 32, or 5.
Please review the information below and update your
f ile, 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 CoApplicant 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.

Edit ID

Q615

Q616

Data Point
Name

Affected Data
Fields

Origination
Charges

Origination
Charges; Total
Loan Costs;
Total Points and
Fees

Discount
Points

Discount Points;
Total Loan
Costs; Total
Points and Fees

Q617

Combined
Loan-to-Value
Ratio

Loan Type,
Combined Loanto-Value Ratio,
Loan Amount,
and Property
Value

Q618

Manuf actured
Home
Secured
Property Type

Construction
Method;
Manuf actured
Home Secured
Property Type

148

Edit Description
Please review the information below and update your
f ile, 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.
Please review the information below and update your
f ile, 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.
Please review the information below and update your
f ile, 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 Loanto-Value Ratio (calculated as Loan Amount divided by
the Property Value).
Please review the information below and update your
f ile, if needed.
1) If Construction Method equals 2, then Manufactured
Home Secured Property Type generally should not be
3.

Edit ID

Q619

Q620

Data Point
Name

Affected Data
Fields

Manuf actured
Home Land
Property
Interest

Construction
Method;
Manuf actured
Home Land
Property Interest

NMLSR ID

Business or
Commercial
Purpose;
NMLSR ID

Q621

NMLSR ID

Q622

Age of
Applicant or
Borrower

Reverse
Mortgage; Age
of Applicant or
Borrower

Loan Amount

Loan Amount;
Total Units;
Income

Loan Amount

Loan Type;
Total Units;
Loan Amount

Q623

Q624

149

Edit Description
Please review the information below and update your
f ile, if needed.
1) If Construction Method equals 2, then Manufactured
Home Land Property Interest generally should not be
5.
Please review the information below and update your
f ile, if needed.
1) If Business or Commercial Purpose equals 2, then
NMLSR ID generally should not be NA.
Please review the information below and update your
f ile, if needed.
1) The NMLSR ID should be alphanumeric up to 12
characters. Your data indicates a value outside of this
range.
Please review the information below and update your
f ile, 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.
Please review the information below and update your
f ile, 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).
Please review the information below and update your
f ile, 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).

Data Point
Name

Affected Data
Fields

Loan Amount

Loan Type;
Total Units;
Loan Amount

Q626

Loan Amount

Type of
Purchaser; Total
Units; Loan
Amount

Q627

Loan Amount

Total Units;
Loan Amount

Q628

Loan Amount

Loan Purpose;
Loan Amount;
Total Units

Q629

Income

Action Taken;
Total Units;
Loan Purpose;
Income

Q630

HOEPA
Status

Total Units;
HOEPA Status

Edit ID

Q625

150

Edit Description
Please review the information below and update your
f ile, 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).
Please review the information below and update your
f ile, 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).
Please review the information below and update your
f ile, 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).
Please review the information below and update your
f ile, 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).
Please review the information below and update your
f ile, 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 Income generally should not be
NA.
Please review the information below and update your
f ile, if needed.
1) If Total Units is greater than or equal to 5, then
HOEPA Status generally should equal 3.

Edit ID

Q631

Q632

151

Data Point
Name

Affected Data
Fields

Total Units

Loan Type;
Total Units

Automated
Underwriting
System

Edit Description
Please review the information below and update your
f ile, if needed.
1) If Loan Type equals 2, 3, or 4, then Total Units
generally should be less than or equal to 4.

Please review the information below and update your
f ile, 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.

Edit ID

Q633

152

Data Point
Name

Automated
Underwriting
System

Edit Description

Please review the information below and update your
f ile, 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.

Edit ID

Q642

153

Data Point
Name

Credit Score

Affected Data
Fields
Credit Score of
Applicant or
Borrower;
Applicant or
Borrower, Name
and Version of
Credit Scoring
Model; Credit
Score of CoApplicant or CoBorrower; CoApplicant or CoBorrower, Name
and Version of
Credit Scoring
Model

Edit Description

Please review the information below and update your
f ile, 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.

Edit ID

Q643

154

Data Point
Name

Automated
Underwriting
System

Edit Description

Please review the information below and update your
f ile, 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 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.

Edit ID

Q644

Data Point
Name

Automated
Underwriting
System

Edit Description

Please review the information below and update your
f ile, 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.

Please review the information below and update your
f ile, if needed.

Q645

Loan Amount

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).

155

Edit ID

Q648

Q649

Q650

Q651

Q652

156

Data Point
Name

Affected Data
Fields

ULI

Action Taken;
Universal Loan
Identif ier (ULI)

Credit Score

Credit Score of
Applicant or
Borrower; Credit
Score of CoApplicant or CoBorrower

Interest Rate

Combined
Loan-to-Value
Ratio

Combined Loanto-Value Ratio

Debt-toIncome Ratio

Debt-to-Income
Ratio

Edit Description
Please review the information below and update your
f ile, if needed.
1) If Action Taken equals 1, 2, 3, 4, 5, 7, or 8, the first
20 characters of the ULI should match the reported
LEI.
Please review the information below and update your
f ile, 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.
Please review the information below and update your
f ile, 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.
Please review the information below and update your
f ile, if needed.
1) The CLTV reported is greater than 0 but less than 1,
which may indicate a misplaced decimal point.
Please review the information below and update your
f ile, if needed.
1) The DTI reported is greater than 0 but less than 1,
which may indicate a misplaced decimal point.

Data Point
Name

Affected Data
Fields

Q653

Combined
Loan-to-Value
Ratio

Q654

Debt-toIncome Ratio

Q655

Multif amily
Af fordable
Units

Q656

Any data point
eligible for an
alphanumeric
exemption
code

Q657

Any data point
that accepts a
numeric data
f ield type that
is not eligible
f or an
exemption
code

Combined Loan- 1) If Action Taken equals 1, 2, or 8, and the value for
to-Value Ratio;
CLTV is not NA or Exempt, the CLTV should generally
Action Taken
be between 0 and 250.
2) If Action Taken equals 3, 4, 5, 6, or 7, and the value
f or CLTV is not NA or Exempt, the CLTV should
generally be between 0 and 1,000.
Please review the information below and update your
f ile, if needed.
Debt-to-Income
1) If Income is greater than $5,000 (reported as 5),
Ratio; Income;
Action Taken equals 1, 2, or 8, and the value for DTI is
Action Taken
not NA or Exempt, the DTI should generally be
between 0 and 80.
Please review the information below and update your
f ile, if needed.
Total Units;
Multif amily
1) If Total Units is greater than or equal to 5 and the
Af fordable Units
record relates to a multifamily property, then Multifamily
Affordable Units should generally be 0 or an integer.
Please review the information below and update your
f ile, if needed.
Any data field
eligible for an
The value 1111 was entered in a f ield that accepts only
alphanumeric
exemption code Exempt as the exemption code, which may indicate an
incorrect exemption code is being used.

Edit ID

Q658

157

Loan Term

Any data field
that accepts a
numeric data
f ield type that is
not eligible for
an exemption
code

Loan Term

Edit Description
Please review the information below and update your
f ile, if needed.

Please review the information below and update your
f ile, if needed.
The value 1111 was entered in a f ield that does not
accept 1111 as an exemption code, which may indicate
that an incorrect exemption code is being used.
Please review the information below and update your
f ile, if needed.
1) If Loan Term is not NA or Exempt, the Loan Term
should generally be 600 or less.

Edit ID

Q659

TABLE 8:

Edit ID

Q634

Q635

Q636

Q637

158

Data Point
Name

Affected Data
Fields

Any data point
that accepts a
“Not
Applicable” or
“No CoApplicant”
value

Any data point
that accepts a
“Not Applicable”
or “No CoApplicant” value

Edit Description
Please review the information below and update your
f ile, if needed.
1) The values 888 or 88888 were entered in a f ield 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 f ield that
accepts 9999 or NA as a value, which may indicate that
an incorrect value is being used.

MACRO QUALITY EDITS FOR LOAN/APPLICATION REGISTER

Data Point
Name

Affected Data
Fields

Action Taken

Action Taken;
Loan Purpose

Action Taken

Action Taken;
Total Number of
Entries
Contained in
Submission

Action Taken

Action Taken;
Total Number of
Entries
Contained in
Submission

Action Taken

Action Taken;
Total Number of
Entries
Contained in
Submission

Edit Description
Please review the information below and update your
f ile, 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.
Please review the information below and update your
f ile, 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.
Please review the information below and update your
f ile, 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.
Please review the information below and update your
f ile, 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.

Data Point
Name

Affected Data
Fields

Q638

Action Taken

Q639

Action Taken

Action Taken;
Preapproval

Q640

Income

Income; Total
Number of
Entries
Contained in
Submission

Q646

Any data point
eligible for an
exemption
code

Any f ield eligible
f or an exemption
code

Edit ID

TABLE 9:

Edit ID

Q647

159

Edit Description
Please review the information below and update your
f ile, 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 Taken
1, 2, 3, 4, 5, or 6. Your data indicates a percentage
outside of this range.
Please review the information below and update your
f ile, 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.
Please review the information below and update your
f ile, if needed.
No more than 20% of the loans in the file should report
Income less than $10 thousand (entered as 10). Your
data indicates a percentage outside of this range.
Your f ile indicates that at least one exemption code
was used. Please verify that your institution is eligible
f or a partial exemption pursuant to the 2018 HMDA
Rule.

MACRO QUALITY EDITS FOR TRANSMITTAL SHEET AND LOAN/APPLICATION REGISTER

Data Field

Federal
Agency

Affected Data
Fields
Federal Agency;
Any f ield eligible
f or exemption
code.

Edit Description
Please review the information below and update your
f ile, if needed.
If Federal Agency equals 7, indicating a non-depository
institution, exemption codes should not be used in the
Loan/Application Register. Your data indicates that at
least one exemption code was used.

6. Additional information
6.1

Frequently Asked Questions

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

6.2

HMDA Help

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

160

File Type	application/pdf
File Modified	2021-11-18
File Created	2021-10-19