Reporting Tier 2 Crapo

Reporting, Recordkeeping, and Disclosure Requirements Associated with the Home Mortgage Disclosure Act Loan/Application Register required by Regulation C

FilingInstructionsGuideHMDA_2018

Reporting Tier 2 Crapo

OMB: 7100-0247

⚠️ Notice: This form may be outdated.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

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September 2018

Filing instructions guide
for HMDA data collected
in 2018
OMB Control #3170-0008

Version log
The following is a version log that tracks the history of this document and its updates:
Date

Version

Section

September
2018

3.7

5. 2018 Edit
Specifications

3.6

3. 2018 File
Specifications;
4. 2018 Data
Specifications;
5. 2018 Edit
Specifications

August 2018

Changes
4. Section 5.3, Table 6
Modified condition 2 in edit V652 to exclude
purchased loans.
1. Section 3.4, Table 2
Added exemption codes to the following data fields
to implement the Economic Growth, Regulatory
Relief, and Consumer Protection Act (the Act):
Street Address, City, Zip Code, Rate Spread, Credit
Score of Applicant or Borrower, Credit Score of CoApplicant or Co-Borrower, Applicant or Borrower,
Name and Version of Credit Scoring Model, CoApplicant or Co-Borrower, Name and Version of
Credit Scoring Model, Reason for Denial:1, Total
Loan Costs, Total Points and Fees, Origination
Charges, Discount Points, Lender Credits, Interest
Rate, Prepayment Penalty Term, Debt-to-Income
Ratio, Combined Loan-to-Value Ratio, Loan Term,
Introductory Rate Period, Balloon Payment, InterestOnly Payments, Negative Amortization, Other Nonamortizing Features, Property Value, Manufactured
Home Secured Property Type, Manufactured Home
Land Property Interest, Multifamily Affordable Units,
Submission of Application, Initially Payable to Your
Institution, Mortgage Loan Originator NMLSR
Identifier, Automated Underwriting System: 1,
Automated Underwriting System Result: 1, Reverse
Mortgage, Open-End Line of Credit, and Business
or Commercial Purpose.
2. Section 4.2.2
Added instructions to the data fields referenced
above to implement changes made by the Act.
3. Section 5.2, Table 3
Modified 2018 New and Revised Edits table with
edit revisions and explanations.
4. Section 5.3, Table 6

Date

Version

Section

Changes
Added the following edits to account for the Act:
V709, V710, V711, V712, V713, V714, V715
Modified the following edits to account for the Act:
V608, V622, V624, V657, V660, V662, V663, V664,
V665, V667, V668, V669, V670, V672, V673, V674,
V675, V676, V677, V678, V679, V680, V681, V682,
V683, V684, V685, V686, V687, V688, V689, V690,
V692, V693, V694, V696, V704, V705, V706, V707,
V708

August 2018

3.5

5. 2018 Edit
Specifications

4. Section 5.3, Table 7
Modified the following edits to account for the Act:
Q609, Q615, Q616, Q617, Q621
1. Section 5.3, Table 6
Modified the following edits:
V651, V655 to exclude purchased loans
1. Section 2.2 and Section 3.3
Updated to provide explicit instructions not to
include leading zeros in data fields.

February
2018

3.4

3. 2018 File
Specifications;
4. 2018 Data
Specifications;
5. 2018 Edit
Specifications

2. Section 4.2.2
Updated allowable codes for AUS results produced
by the Guaranteed Underwriting System (GUS).
3. Section 5.3 Table 6
Updated edit V617 to allow a loan amount of 0.
4. Section 5.3 Table 7
Updated edit Q633 to allow additional AUS result
code.

October
2017

3.3

3. 2018 File
Specifications;
4. 2018 Data
Specifications;
5. 2018 Edit
Specifications

1. Section 3.4, Table 2, and Section 4.2.2
 Updated the name of the code for the Freddie
Mac AUS system to include Loan Product
Advisor.
 Updated AUS Result Code 15 to include
Unknown.
2. Section 4.2.2
Added instructions for the following to account for
the GMI transition rule:
 3.b Ethnicity Collected on the Basis of Visual
Observation or Surname. Previous instruction
3.b. became 3.c.

Date

Version

Section

Changes
 5.b Race Collected on the Basis of Visual
Observation or Surname. Previous instruction
5.b.became 5.c.
 2.b Sex Collected on the Basis of Visual
Observation or Surname. Previous instruction
2.b.became 2.c.
3. Section 4.2.2
 Updated the name of the code for the Freddie
Mac AUS system to include Loan Product
Advisor.
 Updated AUS Result Code 15 to include
Unknown.
 Updated allowable codes for AUS results
produced by the Fannie Mae AUS system,
Desktop Underwriter.
4. Section 5.2, Table 3
Modified 2018 Revised Edits table with edit
revisions and explanations.
5. Section 5.3, Table 6
Modified the following edits:
 V619 to exclude purchased loans.
 V629, V632, V636 and V639 with updated
allowable reporting of Ethnicity and Race due
to the 2017 HMDA Final Rule.
 V630, V633, V637, V640, V643, V645, V647,
and V649 to account for the GMI transition
rule.
 V692 to allow NA in condition 3.
6. Section 5.3, Table 6 and 7
 Removed edit V697 and converted it to edit
Q643.
 Removed edit V698 and converted it to edit
Q644.

August 2017

3.2

5. 2018 Edit
Specifications

7. Section 5.3, Table 7
Modified the following edits:
 Q614 to account for Age reported NA.
 Q617 to clarify Loan Amount cannot be
reported NA.
1. Section 5.3, Table 7 and 8
Removed edit Q615 from version 3.1 published in

Date

Version

Section

Changes
August 2017. Re-aligned edit IDs in table 7 and
table 8 with the edit IDs published in version 3.0 in
July 2017.
1. Section 1.3
Updated to include the amendments in the 2017
HMDA Rule.
2. Section 3.3
Updated loan application/register format to clarify
that each covered loan or application should appear
on its own line in the loan/application register.
3. Section 3.4, Table 2, and Section 4.2.2
Updated description of Loan Type, Code 3.
4. Section 3.4, Table 2, and Section 4.2.2
Added Code 5 to Loan Purpose.

August 2017

3.1

1. What’s in
the FIG?;
3. 2018 File
Specifications;
4. 2018 Data
Specifications;
and
5. 2018 Edit
Specifications

5. Section 3.4, Table 2, Section 4.2.2, and
Section 5.3 Table 6
Updated the names of the following data fields:
 #24 Ethnicity of Applicant or Borrower:
Conditional Free Form Text Field for Code 14
to Ethnicity of Applicant or Borrower: Free
Form Text Field for Other Hispanic or Latino.
 #30 Ethnicity of Co-Applicant or Co-Borrower:
Conditional Free Form Text Field for Code 14
to Ethnicity of Co-Applicant or Co-Borrower:
Free Form Text Field for Other Hispanic or
Latino.
 #38 Race of Applicant or Borrower:
Conditional Free Form Text Field for Code 1
to Race of Applicant or Borrower: Free Form
Text Field for American Indian or Alaska
Native Enrolled or Principal Tribe.
 #39 Race of Applicant or Borrower:
Conditional Free Form Text Field for Code 27
to Race of Applicant or Borrower: Free Form
Text Field for Other Asian.
 #40 Race of Applicant or Borrower:
Conditional Free Form Text Field for Code 44
to Race of Applicant or Borrower: Free Form
Text Field for Other Pacific Islander.
 #46 Race of Co-Applicant or Co-Borrower:
Conditional Free Form Text Field for Code 1

Date

Version

Section

Changes
to Race of Co-Applicant or Co-Borrower: Free
Form Text Field for American Indian or Alaska
Native Enrolled or Principal Tribe.
 #47 Race of Co-Applicant or Co-Borrower:
Conditional Free Form Text Field for Code 27
to Race of Co-Applicant or Co-Borrower: Free
Form Text Field for Other Asian.
 #48 Race of Co-Applicant or Co-Borrower:
Conditional Free Form Text Field for Code 44
to Race of Co-Applicant or Co-Borrower: Free
Form Text Field for Other Pacific Islander.
6. Section 3.4, Table 2
Updated descriptions for the following data fields:
 #19 Ethnicity of Applicant or Borrower: 1.
 #24 Ethnicity of Applicant or Borrower: Free
Form Text Field for Other Hispanic or Latino.
 #25 Ethnicity of Co-Applicant or Co-Borrower:
1.
 #30 Ethnicity of Co-Applicant or Co-Borrower:
Free Form Text Field for Other Hispanic or
Latino.
 #33 Race of Applicant or Borrower: 1.
 #38 Race of Applicant or Borrower: Free Form
Text Field for American Indian or Alaska
Native Enrolled or Principal Tribe.
 #39 Race of Applicant or Borrower: Free Form
Text Field for Other Asian.
 #40 Race of Applicant or Borrower: Free Form
Text Field for Other Pacific Islander.
 #41 Race of Co-Applicant or Co-Borrower: 1.
 #46 Race of Co-Applicant or Co-Borrower:
Free Form Text Field for American Indian or
Alaska Native Enrolled or Principal Tribe.
 #47 Race of Co-Applicant or Co-Borrower:
Free Form Text Field for Other Asian.
 #48 Race of Co-Applicant or Co-Borrower:
Free Form Text Field for Other Pacific
Islander.
7. Section 3.4, Table 2, and Section 4.2.2
Added Code 7777 to the following data fields:
 #62 Credit Score of Applicant or Borrower.

Date

Version

Section

Changes
 #63 Credit Score of Co-Applicant or CoBorrower.
8. Section 3.4, Table 2
Updated examples for the following data fields:
 #76 Discount Points.
 #77 Lender Credits.
9. Section 4.2.2
Updated the example for loan amount.
10. Section 4.2.2
Updated instructions for the following:
 1.f. Ethnicity of Applicant or Borrower.
 2. Ethnicity Free Form Text Field for Other
Hispanic or Latino.
 1.f. Race of Applicant or Borrower.
 2. Race Free Form Text Field for American
Indian or Alaska Native Enrolled or Principal
Tribe.
 3. Race Free Form Text Field for Other Asian.
 4. Race Free Form Text Field for Other Pacific
Islander.
 c. Rate Spread.
 1.a.i. Credit Score of Applicant or Borrower.
 1.c. Credit Score of Applicant or Borrower.
 2.a.i. Name and Version of Credit Scoring
Model.
11. Section 5.2, Table 3.
Created Revised Edits Table.
12. Section 5.3, Table 6.
Changed data point name from “ULI” to “Applicable
to all data fields” in edit S305.
13. Section 5.3, Table 6.
Updated valid values in V612 and V614 to include
Code 5.
14. Section 5.3, Table 6.
 Updated allowable reporting of Ethnicity and
Race in V628, V631, V635, and V638.
 Updated the names of the free form text data
fields.
15. Section 5.3, Table 6.

Date

Version

Section

Changes
Removed edit V653.
16. Section 5.3, Table 6.
 Modified condition two in V672 to remove “and
the reverse must be true.”
 Added condition five in V673.
17. Section 5.3, Table 6.
Updated the valid values in V691 by removing NA.
18. Section 5.3, Table 7.
Updated valid values in Q613 to include Code 5.
19. Section 5.3, Table 7.
Added Q642 to address non-numeric credit scores.
1. Section 3.4, Table 1.
Updated example for Contact Person’s Office State.
2. Section 3.4, Table 1.
Updated example for Contact Person’s Office ZIP
Code.
3. Section 3.4, Table 1; Section 3.4, Table 2;
Section 4.2.1; and Section 4.2.2.
Updated examples for LEI and ULI.

July 2017

3.0

3. 2018 File
Specifications;
4. 2018 Data
Specifications;
and
5. 2018 Edit
Specifications

4. Section 3.4, Table 2, and Section 4.2.2.
Updated example for Loan Amount.
5. Section 3.4, Table 2; and Section 4.2.2.
Updated example and data point for State.
6. Section 3.4, Table 2, and Section 4.2.2.
Updated example for ZIP Code.
7. Section 4.2.2.
Updated URL for check digit reference.
8. Section 4.2.2.
Updated instructions and numbering for 1. Ethnicity
of Applicant or Borrower (b).
9. Section 4.2.2.
Updated instructions and numbering for 1. Race of
Applicant or Borrower (b).
10. Section 4.2.2.
Updated instructions for entering Mortgage Loan

Date

Version

Section

Changes
Originator NMLSR Identifier.

January
2017

2.1

3. 2018 File
Specifications
and
4. 2018 Data
Specifications

11. Section 5, 2018 Edit Specifications.
Publication of edits for data collected in 2018.
1. Section 3.4, Table 2, and Section 4, 2018
Data Specifications.
Character width has been increased for the
following data fields:
 #24 Ethnicity of Applicant or Borrower:
Conditional Free Form Text Field for Code 14.
Width up to 100 characters.
 #30 Ethnicity of Co-Applicant or Co-Borrower:
Conditional Free Form Text Field for Code 14.
Width up to 100 characters.
 #38 Race of Applicant or Borrower:
Conditional Free Form Text Field for Code 1.
Width up to 100 characters.
 #39 Race of Applicant or Borrower:
Conditional Free Form Text Field for Code 27.
Width up to 100 characters.
 #40 Race of Applicant or Borrower:
Conditional Free Form Text Field for Code 44.
Width up to 100 characters.
 #46 Race of Co-Applicant or Co-Borrower:
Conditional Free Form Text Field for Code 1.
Width up to 100 characters.
 #47 Race of Co-Applicant or Co-Borrower:
Conditional Free Form Text Field for Code 27.
Width up to 100 characters.
 #48 Race of Co-Applicant or Co-Borrower:
Conditional Free Form Text Field for Code 44.
Width up to 100 characters.
 #65 Applicant or Borrower, Name and Version
of Credit Scoring Model: Conditional Free
Form Text Field for Code 8. Width up to 100
characters.
 #67 Co-Applicant or Co-Borrower, Name and
Version of Credit Scoring Model: Conditional
Free Form Text Field for Code 8. Width up to
100 characters.
 #72 Reason for Denial: Conditional Free Form
Text Field for Code 9. Width up to 255

Date

Version

Section

Changes
characters.

July
2016

2.0

All

January
2016

1.0

File
Specifications

2. Section 3.4, Table 2
Added “co-“ to the Descriptions and Examples
column for the following data fields:
 #46 Race of Co-Applicant or Co-Borrower:
Conditional Free Form Text Field for Code 1.
 #47 Race of Co-Applicant or Co-Borrower:
Conditional Free Form Text Field for Code 27.
Width up to 100 characters.
 #48 Race of Co-Applicant or Co-Borrower:
Conditional Free Form Text Field for Code 44.
Publication of the Filing Instructions Guide and its
components, including File Specifications as
revised.
Original Document

Table of contents
Version log................................................................................................................... 1
Table of contents....................................................................................................... 10
Paperwork Reduction Act ......................................................................................... 12
1. What’s in the FIG? .............................................................................................. 13
1.1

Changes to the Submission Process for Data Collected in 2018 ............ 13

1.2

2018 File Specifications .......................................................................... 14

1.3

2018 Data Specifications ........................................................................ 14

1.4

2018 Edit Specifications ..........................................................................15

2. Changes to the Submission Process for Data Collected in 2018 ................... 16
2.1

Items that have changed: ........................................................................ 16

2.2 Items that have not changed: ................................................................. 16
3. 2018 File Specifications ..................................................................................... 19
3.1

Introduction ............................................................................................ 19

3.2 Submission instructions ......................................................................... 19
3.3 Loan/Application Register format ......................................................... 19
3.4 Information regarding data fields .......................................................... 20
4. 2018 Data Specifications .................................................................................... 73
4.1

Introduction ............................................................................................ 73

4.2 Data format and itemization................................................................... 73
5. 2018 Edit Specifications ................................................................................... 112
5.1
10

Introduction ........................................................................................... 112

5.2 2018 Revised Edits................................................................................. 113
5.3 2018 Edits .............................................................................................. 119
6. Additional information ..................................................................................... 180
6.1

Frequently Asked Questions ................................................................. 180

6.2 HMDA Help .......................................................................................... 180

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
Bureau of Consumer Financial Protection’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 Bureau of Consumer Financial
Protection (Attention: PRA Office), 1700 G Street NW, Washington, DC 20552, or by email to
[email protected]. 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 2018 Filing Instructions Guide (FIG) is a compendium of resources to help you file HMDA
data you collected in 2018 with the Bureau of Consumer Financial Protection (Bureau) in 2019.
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 submission to the appropriate Federal agency. 1
The FIG includes the following sections:

1.1

Changes to the Submission Process for
Data Collected in 2018

This section provides a summary of the changes made to the submission process for filing
HMDA data collected in 2018 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 Bureau of Consumer Financial
Protection, 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

2018 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 2018 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

2018 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 clarifying 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

2018 Edit Specifications

This section lists the edits that financial institutions must run on HMDA data before filing it
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 2018
2.1

Items that have changed:

The reported data fields have changed:
The reported data fields and the valid values for the 2018 data have changed. Please refer to
Regulation C, the 2018 HMDA Rule, and the Data Specification section for the requirements.

The agency to 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.
Beginning with data collected in 2017, filers will resubmit their HMDA data by filing with the
Bureau.

2.2

Items that have not changed:

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 “Frequently Asked
Questions” located at http://www.consumerfinance.gov/hmda/for-filers.
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; and



Two-letter state codes

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 http://www.consumerfinance.gov/hmda/for-filers.

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:
http://www.consumerfinance.gov/hmda/for-filers.
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 [email protected]



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 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
[email protected].
Technical questions about reporting HMDA data collected in or before 2016 should be directed
to [email protected].

3. 2018 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: http://www.consumerfinance.gov/hmda/for-filers.


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; and



Two-letter state codes.

As with previous submissions:


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



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



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

3.4

Information regarding data fields

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

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

Data Field
Number
1
2
3

Data Field
Name
Record Identifier
– Value is 1
Financial
Institution Name
Calendar Year

Data Field
Type

Valid
Values

Numeric

Descriptions and Examples

Alphanumeric

Example:
Ficus Bank

Numeric

Example:
2018

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

Federal Agency

Data Field
Type

Numeric

Valid
Values

Descriptions and Examples
Description:
4. Annual submissions for covered loans
and applications with respect to which
final action was taken from January 1st
(01/01) and December 31st (12/31)
Example:
Erika Otis

Alphanumeric

Example:
999-999-9999

Alphanumeric

Example:
[email protected]

Alphanumeric

Example:
4321 W Random Blvd Ste 201

Alphanumeric

Example:
Somecity

Alphanumeric

Example:
CA

Alphanumeric

Example:
90049-9998

Numeric

Descriptions:
1. Office of the Comptroller of the Currency
(OCC)
2. Federal Reserve System (FRS)
3. Federal Deposit Insurance Corporation
(FDIC)
5. National Credit Union Administration
(NCUA)
7. United States Department of Housing and
Urban Development (HUD)
9. Consumer Financial Protection Bureau
(CFPB)

1
2
3
5
7
9

Data Field
Number

Total Number of
Entries
Contained in
Submission
Federal
Taxpayer
Identification
Number

Legal Entity
Identifier (LEI)

TABLE 2:

Data Field
Name

Data Field
Type

Valid
Values

Numeric

Example:
5000

Alphanumeric

Example:
99-9999999

Alphanumeric;
Width is 20
characters

Example:
10Bx939c5543TqA1144M

LOAN/APPLICATION REGISTER

Data Field
Number

Data Field
Name

Data Field Type

Valid
Values

Record
Identifier –
Value is 2

Numeric

Legal Entity
Identifier (LEI)

Alphanumeric;
Width is 20
characters

Descriptions and Examples

Universal
Loan Identifier
(ULI) or NonUniversal
Loan Identifier
(NULI)
Application
Date

Alphanumeric;
Width up to 45
characters

Alphanumeric

Descriptions and
Examples

Data Point
Name

Example:
10Bx939c5543TqA1144M

Legal Entity
Identifier
(LEI)

ULI Example:
10Bx939c5543TqA1144M9
99143X38
NULI example:
999143X
Example:
20180721 (or) NA

Universal Loan
Identifier (ULI) or
Non-Universal
Loan Identifier
(NULI)
Application Date

Data Field
Number

Data Field
Name

Loan Type

Data Field Type

Numeric

Valid
Values

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
Descriptions:
1. Conventional (not
insured or guaranteed
by FHA, VA, RHS, or
FSA)
2. Federal Housing
Administration insured
(FHA)
3. Veterans Affairs
guaranteed (VA)
4. USDA Rural Housing
Service or Farm
Service Agency
guaranteed (RHS or
FSA)
Descriptions:
1. Home purchase
2. Home improvement
31. Refinancing
32. Cash-out
refinancing
4. Other purpose
5. Not applicable
Descriptions:
1. Preapproval requested
2. Preapproval not
requested
Descriptions:
1. Site-built
2. Manufactured Home
Descriptions:
1. Principal residence
2. Second residence
3. Investment property
Example:
110500 (or) 110500.00

Data Point
Name

Loan Type

Loan Purpose

Preapproval

Construction
Method

Occupancy Type

Loan Amount

Data Field
Number

Data Field
Name

Data Field Type

Action Taken

Numeric

Action Taken
Date

Numeric

Street
Address

Alphanumeric

City

Alphanumeric

State 2

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:
20180721
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

Data Field Type

Numeric

Valid
Values

1
11
12
13
14
2
3
4

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. Information not
provided by applicant in
mail, internet, or
telephone application
4. Not applicable
If the Applicant or Borrower
did not select any
ethnicity(ies), but only
provided ethnicity(ies) in
the Ethnicity of Applicant or
Borrower: Free Form Text
Field for Other Hispanic or
Latino, either leave this this
data field blank or enter
Code 14.

Data Point
Name

Ethnicity

Data Field
Number

Data Field
Name

Ethnicity of
Applicant or
Borrower: 2

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.
If the Applicant or Borrower
provided ethnicity(ies) in
the Ethnicity of Applicant or
Borrower: Free Form Text
Field for Other Hispanic or
Latino, and did not select
Code 14, either leave this
data field blank or enter
Code 14.

Ethnicity

Data Field
Number

Data Field
Name

Ethnicity of
Applicant or
Borrower: 3

Data Field Type

Numeric

Valid
Values

1
11
12
13
14
2

Descriptions and
Examples

Data Point
Name

Ethnicity

Data Field
Number

Data Field
Name

Ethnicity of
Applicant or
Borrower: 4

Data Field Type

Numeric

Valid
Values

1
11
12
13
14
2

Descriptions and
Examples

Data Point
Name

Ethnicity

Data Field
Number

Data Field
Name

Ethnicity of
Applicant or
Borrower: 5

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

Data Field Type

Numeric

Alphanumeric;
Width up to 100
characters

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 Applicant or Borrower
provided ethnicity(ies) in
the Ethnicity of Applicant or
Borrower: Free Form Text
Field for Other Hispanic or
Latino, and did not select
Code 14, either leave this
data field blank or enter
Code 14.
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

Data Field Type

Numeric

Valid
Values

1
11
12
13
14
2
3
4
5

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. Information not
provided by applicant
in mail, internet, or
telephone application
4. Not applicable
5. No co-applicant
If the Co-Applicant or CoBorrower did not select any
ethnicity(ies), but only
provided ethnicity(ies) in
the Ethnicity of CoApplicant or Co-Borrower:
Free Form Text Field for
Other Hispanic or Latino,
either leave this this data
field blank or enter Code
14.

Data Point
Name

Ethnicity

Data Field
Number

Data Field
Name

Data Field Type

Valid
Values

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

Ethnicity of
Co-Applicant
or CoBorrower: 2

Numeric

1
11
12
13
14
2

If this data field does not
contain an entry, leave it
blank.
If the Co-Applicant or CoBorrower 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

Data Field Type

Valid
Values

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

Ethnicity of
Co-Applicant
or CoBorrower: 3

Numeric

1
11
12
13
14
2

Ethnicity

Data Field
Number

Data Field
Name

Data Field Type

Valid
Values

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

Ethnicity of
Co-Applicant
or CoBorrower: 4

Numeric

1
11
12
13
14
2

Ethnicity

Data Field
Number

Data Field
Name

Data Field Type

Valid
Values

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

Ethnicity of
Co-Applicant
or CoBorrower: 5

Ethnicity of
Co-Applicant
or CoBorrower:
Free Form
Text Field for
Other
Hispanic or
Latino

Ethnicity of
Applicant or
Borrower
Collected on
the Basis of
Visual
Observation
or Surname

Numeric

1
11
12
13
14
2

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

Ethnicity

If the Co-Applicant or CoBorrower 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.

Alphanumeric;
Width up to 100
characters

Specify in text the CoApplicant’s or CoBorrower’s Other Hispanic
or Latino ethnicity(ies)
provided by the CoApplicant 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

Race of
Applicant or
Borrower: 1

Numeric

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

Descriptions:
1. American Indian or
Alaska Native
2. Asian
21. Asian Indian
22. Chinese
23. Filipino
24. Japanese
25. Korean
26. Vietnamese
27. Other Asian
3. Black or African
American
4. Native Hawaiian or
Other Pacific Islander
41. Native Hawaiian
42. Guamanian or
Chamorro
43. Samoan
44. Other Pacific
Islander
5. White
6. Information not
provided by applicant
in mail, internet, or
telephone application
7. Not applicable
If the Applicant or Borrower
did not select any race(s)
and only provided race(s)
in the Race of Applicant or
Borrower: Free Form Text
Field for American Indian
or Alaska Native Enrolled
or Principal Tribe, Race of
Applicant or Borrower:
Free Form Text Field for
Other Asian, and/or Race
of Applicant or Borrower:
Free Form Text Field for
Other Pacific Islander,
either leave this data field

Race

Data Field
Number

Data Field
Name

Data Field Type

Valid
Values

Descriptions and
Examples
blank or enter, as
appropriate, Code 1, 27, or
44.

Data Point
Name

Race of
Applicant or
Borrower: 2

Numeric

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

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

Race

Data Field
Number

Data Field
Name

Data Field Type

Valid
Values

Descriptions and
Examples
27, or 44.

Data Point
Name

Race of
Applicant or
Borrower: 3

Numeric

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

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

Race

Data Field
Number

Data Field
Name

Data Field Type

Valid
Values

Descriptions and
Examples
27, or 44.

Data Point
Name

Race of
Applicant or
Borrower: 4

Numeric

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

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

Race

Data Field
Number

Data Field
Name

Data Field Type

Valid
Values

Descriptions and
Examples
27, or 44.

Data Point
Name

Race of
Applicant or
Borrower: 5

Numeric

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

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

Race

Data Field
Number

Data Field
Name

Data Field Type

Valid
Values

Descriptions and
Examples

Data Point
Name

27, or 44.

Race of
Applicant or
Borrower:
Free Form
Text Field for
American
Indian or
Alaska Native
Enrolled or
Principal Tribe
Race of
Applicant or
Borrower:
Free Form
Text Field for
Other Asian
Race of
Applicant or
Borrower:
Free Form
Text Field for
Other Pacific
Islander

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.
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.
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

Race of CoApplicant or
Co-Borrower:
1

Numeric

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

Descriptions:
1. American Indian or
Alaska Native
2. Asian
21. Asian Indian
22. Chinese
23. Filipino
24. Japanese
25. Korean
26. Vietnamese
27. Other Asian
3. Black or African
American
4. Native Hawaiian or
Other Pacific Islander
41. Native Hawaiian
42. Guamanian or
Chamorro
43. Samoan
44. Other Pacific
Islander
5. White
6. Information not
provided by applicant
in mail, internet, or
telephone application
7. Not applicable
8. No co-applicant
If the Co-Applicant or CoBorrower did not select any
race(s) and only provided
race(s) in the Race of CoApplicant or Co-Borrower:
Free Form Text Field for
American Indian or Alaska
Native Enrolled or Principal
Tribe, Race of CoApplicant or Co-Borrower:
Free Form Text Field for
Other Asian, and/or Race
of Co-Applicant or CoBorrower: Free Form Text

Race

Data Field
Number

Data Field
Name

Data Field Type

Valid
Values

Descriptions and
Examples
Field for Other Pacific
Islander, either leave this
data field blank or enter, as
appropriate, Code 1, 27, or
44.

Data Point
Name

Race of CoApplicant or
Co-Borrower:
2

Numeric

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

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

Race

Data Field
Number

Data Field
Name

Data Field Type

Valid
Values

Descriptions and
Examples
leave this data field blank
or enter Code 1, 27, or 44.

Data Point
Name

Race of CoApplicant or
Co-Borrower:
3

Numeric

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

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

Race

Data Field
Number

Data Field
Name

Data Field Type

Valid
Values

Descriptions and
Examples
leave this data field blank
or enter Code 1, 27, or 44.

Data Point
Name

Race of CoApplicant or
Co-Borrower:
4

Numeric

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

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

Race

Data Field
Number

Data Field
Name

Data Field Type

Valid
Values

Descriptions and
Examples
leave this data field blank
or enter Code 1, 27, or 44.

Data Point
Name

Race of CoApplicant or
Co-Borrower:
5

Numeric

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

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

Race

Data Field
Number

Data Field
Name

Data Field Type

Valid
Values

Descriptions and
Examples

Data Point
Name

leave this data field blank
or enter Code 1, 27, or 44.

Race of CoApplicant or
Co-Borrower:
Free Form
Text Field for
American
Indian or
Alaska Native
Enrolled or
Principal Tribe

Race of CoApplicant or
Co-Borrower:
Free Form
Text Field for
Other Asian

Alphanumeric;
Width up to 100
characters

Race of CoApplicant or
Co-Borrower:
Free Form
Text Field for
Other Pacific
Islander

Alphanumeric;
Width up to 100
characters

Race of
Applicant or
Borrower
Collected on
the Basis of
Visual
Observation
or Surname

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

Alphanumeric;
Width up to 100
characters

Numeric

1
2
3

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

Data Field
Number

Data Field
Name

Race of CoApplicant or
Co-Borrower
Collected on
the Basis of
Visual
Observation
or Surname

Sex of
Applicant or
Borrower

Data Field Type

Valid
Values

Numeric

1
2
3
4

Numeric

1
2
3
4
6

Sex of CoApplicant or
Co-Borrower

Numeric

1
2
3
4
5
6

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

Numeric

1
2
3

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

Data Point
Name

Race

Sex

Data Field
Number

Data Field
Name

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

Numeric

1
2
3
4

Age of
Applicant or
Borrower

Numeric

8888

Age of CoApplicant or
Co-Borrower

Numeric

8888
9999

Income

Alphanumeric

Data Field Type

Type of
Purchaser

Numeric

Rate Spread

Alphanumeric

Valid
Values

0
1
2
3
4
5
6
71
72
8
9

Descriptions and
Examples
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
Example: 24
(or)
Descriptions:
8888. Not applicable
Example: 24
(or)
Descriptions:
8888. Not applicable
9999. No co-applicant
Example:
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 finance company
72. Life insurance
company
8. Affiliate institution
9. Other type of
purchaser
Example:
0.428 (or) NA (or) Exempt

Data Point
Name

Sex

Age

Income

Type of
Purchaser

Rate Spread

Data Field
Number

Data Field
Name

Data Field Type

Valid
Values

HOEPA
Status

Numeric

1
2
3

Lien Status

Numeric

1
2

Credit Score
of Applicant or
Borrower

Numeric

Credit Score
of CoApplicant or
Co-Borrower

Applicant or
Borrower,
Name and
Version of
Credit Scoring
Model

Numeric

7777
8888
1111

7777
8888
9999
1111

1
2
3
4
5
6
7
8
9
1111

Descriptions and
Examples
Descriptions:
1. High-cost mortgage
2. Not a high-cost
mortgage
3. Not applicable
Descriptions:
1. Secured by a first lien
2. Secured by a
subordinate lien
Example: 650
(or)
Descriptions:
7777. Credit score is not a
number
8888. Not applicable
1111. Exempt
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
3. FICO Risk Score
Classic 04
4. 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
1111. Exempt

Data Point
Name

HOEPA Status

Lien Status

Credit Score

Data Field
Number

Data Field
Name

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

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

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

Descriptions and
Examples

Data Point
Name

Alphanumeric;
Width up to 100
characters

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

Credit Score

Numeric

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

Credit Score

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

Credit Score

Data Field Type

Alphanumeric;
Width up to 100
characters

Valid
Values

1
2
3
4
5
6
7
8
9
10
1111

Data Field
Number

Data Field
Name

Reason for
Denial: 1

Reason for
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. Insufficient cash
(downpayment, closing
costs)
6. Unverifiable
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. Insufficient cash
(downpayment, closing
costs)
6. Unverifiable
information
7. Credit application
incomplete
8. Mortgage insurance
denied
9. Other
If this data field does not
contain an entry, leave it
blank

Data Point
Name

Reason for
Denial

Data Field
Number

Data Field
Name

Reason for
Denial: 3

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

Data Point
Name

Reason for
Denial

Data Field
Number

Data Field
Name

Data Field Type

Reason for
Denial:
Conditional
Free Form
Text Field for
Code 9

Alphanumeric;
Width up to 255
characters

Total Loan
Costs

Alphanumeric

Total Points
and Fees

Alphanumeric

Origination
Charges

Alphanumeric

Discount
Points

Alphanumeric

Valid
Values

Descriptions and
Examples

Data Point
Name

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

Reason for
Denial

Example:
2399.04 (or) NA (or)
Exempt
Example:
2399.04 (or) NA (or)
Exempt
Example:
2399.04 (or) NA (or)
Exempt
Example:
2399.04 (or) NA (or)
Exempt

Total Loan Costs
or Total Points
and Fees
Total Loan Costs
or Total Points
and Fees
Origination
Charges

Discount Points

If no points were paid,
leave this data field blank
Example:
1500.24 (or) NA (or)
Exempt

Lender
Credits

Alphanumeric

Interest Rate

Alphanumeric

Prepayment
Penalty Term

Alphanumeric

Example:
24 (or) NA (or) Exempt

Prepayment
Penalty Term

Alphanumeric

Example:
42.95 (or) NA (or) Exempt

Debt-to-Income
Ratio

Alphanumeric

Example:
80.05 (or) NA (or) Exempt

Combined Loanto-Value Ratio

Alphanumeric

Example:
360 (or) NA (or) Exempt

Loan Term

Debt-toIncome Ratio
Combined
Loan-to-Value
Ratio
Loan Term

Lender Credits
If no lender credits were
provided, leave this data
field blank
Example:
4.125 (or) NA (or) Exempt

Interest Rate

Data Field
Number

Data Field
Name

Data Field Type

Introductory
Rate Period

Alphanumeric

Balloon
Payment

Numeric

1
2
1111

Interest-Only
Payments

Numeric

1
2
1111

Negative
Amortization

Numeric

1
2
1111

Other NonAmortizing
Features

Numeric

1
2
1111

Property
Value

Alphanumeric

Manufactured
Home
Secured
Property Type

Manufactured
Home Land
Property
Interest

Valid
Values

Numeric

1
2
3
1111

Numeric

1
2
3
4
5
1111

Descriptions and
Examples

Data Point
Name

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
Descriptions:
1. Negative amortization
2. No negative
amortization
1111. Exempt
Descriptions:
1. Other non-fully
amortizing features
2. No other non-fully
amortizing features
1111. Exempt
Example:
350500 (or) NA (or)
Exempt
Descriptions:
1. Manufactured home
and land
2. Manufactured 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

Introductory Rate
Period
Non-Amortizing
Features

Non-Amortizing
Features

Property Value

Manufactured
Home Secured
Property Type

Manufactured
Home Land
Property Interest

Data Field
Number

Data Field
Name

Data Field Type

Total Units

Multifamily
Affordable
Units

Valid
Values

Descriptions and
Examples

Data Point
Name

Numeric

Example:
5

Total Units

Alphanumeric

Example:
5 (or) NA (or) Exempt

Multifamily
Affordable Units

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

Numeric

1
2
3
1111

Initially
Payable to
Your
Institution

Numeric

1
2
3
1111

Mortgage
Loan
Originator
NMLSR
Identifier

Alphanumeric

Example:
123450 (or) NA (or)
Exempt

Mortgage Loan
Originator
NMLSR Identifier

Numeric

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
1111. Exempt

Automated
Underwriting
System

Submission of
Application

Automated
Underwriting
System: 1

1
2
3
4
5
6
1111

Application
Channel

Data Field
Number

Data Field
Name

Automated
Underwriting
System: 2

Automated
Underwriting
System: 3

Data Field Type

Numeric

Valid
Values

1
2
3
4
5

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

Data Point
Name

Automated
Underwriting
System

Data Field
Number

100

Data Field
Name

Automated
Underwriting
System: 4

Automated
Underwriting
System: 5

Data Field Type

Numeric

Valid
Values

1
2
3
4
5

Data Point
Name

Automated
Underwriting
System

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

101

Automated
Underwriting
System:
Conditional
Free Form
Text Field for
Code 5

Alphanumeric;
Width up to 255
characters

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

Automated
Underwriting
System

Data Field
Number

102

Data Field
Name

Automated
Underwriting
System
Result: 1

Data Field Type

Valid
Values

Descriptions and
Examples

Data Point
Name

Numeric

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
1111

Descriptions:
1. Approve/Eligible
2. Approve/Ineligible
3. Refer/Eligible
4. Refer/Ineligible
5. Refer with Caution
6. Out of Scope
7. Error
8. Accept
9. Caution
10. Ineligible
11. Incomplete
12. Invalid
13. Refer
14. Eligible
15. Unable to Determine
or Unknown
16. Other
17. Not applicable
1111. Exempt

Automated
Underwriting
System

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

Descriptions and
Examples
Descriptions:
1. Approve/Eligible
2. Approve/Ineligible
3. Refer/Eligible
4. Refer/Ineligible
5. Refer with Caution
6. Out of Scope
7. Error
8. Accept
9. Caution
10. Ineligible
11. Incomplete
12. Invalid
13. Refer
14. Eligible
15. Unable to Determine
or Unknown
16. Other
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

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

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

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 for
Code 16

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

Alphanumeric;
Width up to 255
characters

108

Reverse
Mortgage

Numeric

1
2
1111

109

Open-End
Line of Credit

Numeric

1
2
1111

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

Automated
Underwriting
System

Reverse
Mortgage

Open-End Line of
Credit

Data Field
Number

110

Data Field
Name

Business or
Commercial
Purpose

Data Field Type

Numeric

Valid
Values

Descriptions and
Examples

Data Point
Name

1
2
1111

Descriptions:
1. Primarily for a
business or
commercial purpose
2. Not primarily for a
business or
commercial purpose
1111. Exempt

Business or
Commercial
Purpose

4. 2018 Data Specifications
4.1

Introduction

This section provides instructions on entering data in the loan/application register for HMDA
data collected in 2018. 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 2018 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
2018 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 2018, enter 2018.
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 will be added to the FIG prior to Paragraph 5(a)(1)(ii)’s
quarterly reporting effective date of January 1, 2020.

(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 [email protected], enter [email protected].
4. Contact Person’s Office Address. Enter the street address, city, state, and ZIP code.

Example:
Street

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:
f. General Delivery addresses, such as General Delivery, Somecity, CA 90049-9998.
g. Post Office Box addresses, such as P.O. Box 100 Somecity, CA 90049-9998.
h. Spelled-out numbers, such as Four Thousand Three Hundred Twenty One W
Random Blvd Ste 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 (CFPB)

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

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

(1-15 and 2-2) Paragraph 5(a)(3)(vii)—Legal Entity Identifier (LEI).
Enter your financial institution’s LEI as defined in Paragraph 4(a)(1)(i)(A).
Example: If your institution’s LEI is 10Bx939c5543TqA1144M, enter 10Bx939c5543TqA1144M.

4.2.2

Loan/Application Register

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

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

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

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



Must be unique within the financial institution; and



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

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 will be
located at http://www.consumerfinance.gov/hmda/for-filers; or



Applying the procedures provided in Appendix C to Regulation C.

Example:
10Bx939c5543TqA1144M999143X38
LEI

Loan
Check
or
Digit
Application
Identifier

4. If, pursuant to the 2018 HMDA Rule, your instution 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


78

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, 2018, enter 20180721.
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, 2018, enter 20180721.

(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

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



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 an other 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
85

characters, including spaces. If the applicant or borrower, or any co-applicant or co-borrower,
did not provide an other 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
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
collection form.

Paragraph 4(a)(10)(iii)—Income.
Enter, in dollars, 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
all dollar amounts to the nearest thousand (round $500 up to the next $1,000).
Example: If the income amount is $35,500, enter 36.
c. Enter “NA” if the requirement to report gross annual income does not apply to
the covered loan or application that your institution is reporting.

(2-58) Paragraph 4(a)(11)—Type of Purchaser.
Indicate the type of entity purchasing a covered loan from your institution within the same
calendar year that your institution originated or purchased the loan by entering the applicable
Code from the following:
Code 0—Not applicable
Code 1—Fannie Mae
Code 2—Ginnie Mae
Code 3—Freddie Mac
Code 4—Farmer Mac
Code 5—Private securitizer
Code 6—Commercial bank, savings bank, or savings association
Code 71—Credit union, mortgage company, or finance company
Code 72—Life insurance company
Code 8—Affiliate institution
Code 9—Other type of purchaser
a. Use Code 0 if the requirement to report the type of purchaser does not apply to
92

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 or rounded or truncated
to three (3) decimal places. Decimal place trailing zeros may either be included or omitted.
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.
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
Code 3—FICO Risk Score Classic 04
Code 4—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 1111—Exempt
a. 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.
b. Use Code 10 in the co-applicant field if there are no co-applicants or coborrowers.
c. 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.
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.

(2-79) Paragraph 4(a)(22)—Prepayment Penalty Term.
Enter, in numeral form, the term, in months, of any prepayment penalty.

100

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.
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.
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.

101

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:

102

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 Rue, 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.

103

(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:

104

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.

105

(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

106

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

107

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 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

108

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

109

Code 1111—Exempt
a. Use Code 1, 2, 3, 4, 5, 6, 7, or 15 for the AUS result returned by the AUS of the
Federal National Mortgage Association (Fannie Mae).
b. Use Code 8, 9, 10, 11, or 12 for the AUS result returned by the AUS of the Federal
Home Loan Mortgage Corporation (Freddie Mac).
c. Use Codes 8 or 13 for the AUS result returned by FHA TOTAL Scorecard.
d. Use Code 5, 8, 10, 13, 14, 15, or 16 for the AUS result returned by GUS.
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

110

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.

111

5. 2018 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 reuploads 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 reuploads 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 reuploads 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

112

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

5.2
TABLE 3:

2018 Revised Edits
2018 NEW AND REVISED EDITS

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

Loan/Application
Register

Edit
Number

Data Point

S305

N/A

V612

Loan Purpose

V614

Loan Purpose

V628

Ethnicity

V631

Ethnicity

Modification
Edit modified to replace “ULI” with
“Applicable to all data fields” in the data
point name column.
Edit modified to include code 5 as a valid
value for loan purpose.
Edit modified to include code 5 as a valid
value for loan purpose.
Edit modified to count ethnicity provided
in the free form text field, regardless if
code 14 was reported, as one of the five
(5) Ethnicity of Applicant or Borrower
data fields.
The Free Form Text data field names
were updated.
Edit modified to count ethnicity provided
in the free form text field, regardless if
code 14 was reported, as one of the five
(5) Ethnicity of Co-Applicant or CoBorrower data fields.
The Free Form Text data field names
were updated.

113

Type of Data
Field

Loan/Application
Register

Edit
Number

V635

V638

Data Point

Race

Loan/Application
Register

V653

N/A

Loan/Application
Register

V672

Total Loan Costs or
Total Points and Fees

Loan/Application
Register

V673

Total Loan Costs or
Total Points and Fees

V691

Total Units

Q613

Loan Purpose

Loan/Application
Register
Loan/Application
Register

114

Modification
Edit modified to count race provided in
any of the free form text field(s),
regardless if code 1, code 27, or code 44
were reported, as one of the five (5)
Race of Applicant or Borrower data
fields.
The Free Form Text data field names
were updated.
Edit modified to count race provided in
any of the free form text field(s),
regardless if code 1, code 27, or code 44
were reported, as one of the five (5)
Race of Co-Applicant or Co-Borrower
data fields.
The Free Form Text data field names
were updated.
Edit removed. This edit verified the
reporting of no co-applicant codes in the
Ethnicity, Race, Sex, Age, and Credit
Score data fields.
Edit modified to remove “and the reverse
must be true” from condition two.
Edit modified to add a condition
specifying that if Total Loan Costs is a
number, then Total Points and Fees
must be NA.
Edit modified to remove NA as a valid
value for Total Units.
Edit modified to include code 5 as a valid
value for Loan Purpose.

Type of Data
Field

Edit
Number

Data Point

Modification
Edit added specifying that Applicant or
Borrower, Name and Version of Credit
Scoring Model code 7 and code 8 are
allowable codes when Credit Score of
Applicant or Borrower equals 7777; and
that Co-Applicant or Co-Borrower, Name
and Version of Credit Scoring Model
code 7 and code 8 are allowable codes
when Credit Score of Co-Applicant or
Co-Borrower equals 7777.
Edit modified to clarify that condition 3
applies only if the loan is not a
purchased loan.
Edit condition 3 modified to clarify that
ethnicity provided in the free form text
field only is allowed.

Loan/Application
Register

Q642

Credit Score

Loan/Application
Register

V619

Action Taken Date

Loan/Application
Register

V629

Ethnicity

Loan/Application
Register

V630

Ethnicity

Edit modified to remove condition two.

Loan/Application
Register

V632

Ethnicity

Edit condition 3 modified to clarify that
ethnicity provided in the free form text
field only is allowed.

Loan/Application
Register

V633

Ethnicity

Edit modified to remove condition two.

Loan/Application
Register

V636

Race

Edit condition 3 modified to clarify that
race provided in the free form text field
only is allowed.

Loan/Application
Register

V637

Race

Edit modified to remove condition two.

Loan/Application
Register

V639

Race

Edit condition 3 modified to clarify that
race provided in the free form text field
only is allowed.

V640

Race

Edit modified to remove condition two.

V643

Sex

Edit modified to remove condition two.

Loan/Application
Register
Loan/Application
Register
Loan/Application
Register

V645

Sex

Edit modified to remove condition one.
Previous condition two becomes
condition one.

Loan/Application
Register

V647

Sex

Edit modified to remove condition two.

115

Type of Data
Field

Edit
Number

Data Point

Loan/Application
Register

V649

Sex

Loan/Application
Register

V692

Multifamily Affordable
Units

Loan/Application
Register

V697

Automated
Underwriting System

Loan/Application
Register

V698

Automated
Underwriting System

Loan/Application
Register

Q614

Age

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
Loan/Application
Register
Loan/Application
Register
Loan/Application
Register

116

Q617
Q643
Q644

Combined Loan-toValue Ratio
Automated
Underwriting System
Automated
Underwriting System

Modification
Edit modified to remove condition one.
Previous condition two becomes
condition one.
Edit modified to allow NA as a valid
response in condition 3.
Validity edit removed, and converted to
quality edit Q643. Added Code 15 as an
acceptable response.
Validity edit removed, and converted to
quality edit Q644.
Edit modified to clarify that it does not
apply to loans where age is reported
8888 indicating NA.
Edit modified to clarify that Loan Amount
cannot be reported NA.
Edit added. Edit V697 converted to this
quality edit.
Edit added. Edit V698 converted to this
quality edit.
Edit modified to clarify that Loan Amount
can be greater than or equal to 0.
Added Code 16 as an acceptable
response.
Added a condition to exclude purchased
loans.
Added a condition to exclude purchased
loans.
Edit modified to allow a 1–22 character
Non-Universal Loan Identifier as an
acceptable response.
Added Exempt as an acceptable
response.
Added Exempt as an acceptable
response.
Added Exempt as an acceptable
response.

V617

Loan Amount

Q633

Automated
Underwriting System

V651

Age

V655

Income

V608

Universal Loan
Identifier

V622

Property Address

V624

Zip Code

V657

Rate Spread

V660

Credit Score

Added 1111 as an acceptable response.

V662

Credit Score

Added 1111 as an acceptable response.

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
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

117

Edit
Number

Data Point

V663

Credit Score

V664

Credit Score

V665

Credit Score

Added 1111 as an acceptable response.

V667

Credit Score

Added 1111 as an acceptable response.

V668

Credit Score

Added Exempt as an acceptable
response.

V669

Reason for Denial

Added 1111 as an acceptable response.

V670

Reason for Denial

Added 1111 as an acceptable response.

Total Loan Costs or
Total Points and Fees
Total Loan Costs or
Total Points and Fees

Added Exempt as an acceptable
response.
Added Exempt as an acceptable
response.
Added Exempt as an acceptable
response.
Added Exempt as an acceptable
response.
Added Exempt as an acceptable
response.
Added Exempt as an acceptable
response.
Added Exempt as an acceptable
response.
Added Exempt as an acceptable
response.
Added Exempt as an acceptable
response.
Added Exempt as an acceptable
response.
Added Exempt as an acceptable
response.
Added Exempt as an acceptable
response.

V672
V673
V674

Origination Charges

V675

Discount Points

V676

Lender Credits

V677

Interest Rate

V678

Prepayment Penalty
Term

V679

Debt-to-Income Ratio

V680

Debt-to-Income Ratio

V681

Combined Loan-toValue-Ratio

V682

Loan Term

V683
V684

Introductory Rate
Period
Non-Amortizing
Features

Modification
Added Exempt as an acceptable
response.
Added Exempt as an acceptable
response.

Added 1111 as an acceptable response.

118

Edit
Number
V685
V686
V687
V688
V689
V690
V692

Data Point
Non-Amortizing
Features
Non-Amortizing
Features
Non-Amortizing
Features
Property Value
Manufactured Home
Secured Property Type
Manufactured Home
Land Property Interest
Multifamily Affordable
Units

Modification
Added 1111 as an acceptable response.
Added 1111 as an acceptable response.
Added 1111 as an acceptable response.
Added Exempt as an acceptable
response.
Added 1111 as an acceptable response.
Added 1111 as an acceptable response.
Added Exempt as an acceptable
response.

V693

Application Channel

Added 1111 as an acceptable response.

V694

Application Channel

Added 1111 as an acceptable response.

V696
V704
V705
V706
V707
V708

Automated
Underwriting System
Automated
Underwriting System
Automated
Underwriting System
Reverse Mortgage
Open-End Line of
Credit
Business or
Commercial Purpose

Q609

Type of Purchaser

Q615

Origination Charges

Q616

Discount Points

Q617

Combined Loan-toValue-Ratio

Q621

NMLSR ID

Added 1111 as an acceptable response.
Added 1111 as an acceptable response.
Added 1111 as an acceptable response.
Added 1111 as an acceptable response.
Added 1111 as an acceptable response.
Added 1111 as an acceptable response.
Added Exempt as an acceptable
response.
Added Exempt as an acceptable
response.
Added Exempt as an acceptable
response.
Added Exempt as an acceptable
response.
Added Exempt as an acceptable
response.

5.3

Edit
Number

Data Point

Modification

V709

Property Address

New edit related to exemption reporting

V710

Credit Score

New edit related to exemption reporting

V711

Reason for Denial

New edit related to exemption reporting

V712
V713

Total Loan Costs or
Total Points and Fees
Automated
Underwriting System

New edit related to exemption reporting
New edit related to exemption reporting

V714

Application Channel

New edit related to exemption reporting

V715

Non-Amortizing
Features

New edit related to exemption reporting

V652

Age

Added information to exclude purchased
loans from the second condition.

2018 Edits

Table 4 through Table 8 list all of the edits for HMDA data collected in 2018 under the HMDA
Final Rule. Each table groups the edits by type and whether the edit is related to the data fields
in the “Filing Institution, Reporting Period, and Contact Information (Transmittal Sheet)”
section or the “Loan/Application Register” section. Edits for data collected in 2018 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.

119

TABLE 4:

Edit ID

S300

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

Data Point
Name

N/A

Affected Data
Fields

Record
Identifier

Edit Description
The data provided in the file is incorrect. Please
review the information below and update your file
accordingly.
The following criteria must be met:
1) The first row of your file must begin with a 1; and

S301

Legal Entity
Identifier (LEI)

V600

Legal Entity
Identifier (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 information below and update your file
accordingly.
1) The required format for LEI is alphanumeric with
20 characters, and it cannot be left blank.

TABLE 5:

Edit ID

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

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.

120

Edit ID

S303

Data Field
Name(s)

Federal Agency;
Federal Taxpayer
Identification
Number; Legal
Entity Identifier
(LEI)

Edit Description
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 filing.
Please confirm the information below and update your file
accordingly.
1) The correct financial institution was at the start of the filing;
and
2) The correct file was uploaded; and

S304

V601

V602

V603

V604

121

Total Number of
Entries Contained
in Submission
Financial Institution
Name; Contact
Person’s Name;
Contact Person’s Email Address;
Contact Person’s
Office Street
Address; Contact
Person’s Office City

Calendar Quarter

Contact Person’s
Telephone Number

Contact Person’s
Office 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 LARs in the HMDA file.
Please update your file accordingly.
The following data fields are required, and cannot be left blank. A
blank value(s) was provided. Please review the information below
and update your file accordingly.
1) Financial Institution Name;
2) Contact Person’s Name;
3) Contact Person’s E-mail Address;
4) Contact Person’s Office Street Address;
5) Contact Person’s Office City
An invalid Calendar Quarter was reported. Please review the
information below and update your file accordingly.
1) Calendar Quarter must equal 4, and cannot be left blank.
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 information below and update your file accordingly.
1) Contact Person’s Office State must be a two-letter state code,
and cannot be left blank.

Edit ID

V605

V606

V607

Data Field
Name(s)

Edit Description

Contact Person’s
Office ZIP Code

Total Number of
Entries Contained
in Submission

Federal Taxpayer
Identification
Number

An invalid Contact Person’s ZIP Code was provided. Please
review the information below and update your file accordingly.
1) The required format for the Contact Person’s ZIP Code is
12345-1010 or 12345, and it cannot be left blank.
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.

TABLE 6:

SYNTACTICAL AND VALIDITY EDITS FOR LOAN/APPLICATION REGISTER

Edit ID

Data Point
Name

Affected Data
Fields

S305

Applicable to all
data fields

All data fields in
the LAR

V608

Universal Loan
Identifier (ULI)
or NonUniversal Loan
Identifier (NULI)

Universal Loan
Identifier (ULI)
Universal Loan
Identifier (NULI)

V609

122

Universal Loan
Identifier (ULI)

Edit Description
A duplicate transaction has been reported. Please
review and update your file accordingly.
A ULI with an invalid format was provided. Please
review the information below and update your file
accordingly.
1) The required format for ULI is alphanumeric with
at least 23 characters and up to 45 characters, and it
cannot be left blank.
2) The required format for NULI is alphanumeric with
at least 1 character and no more than 22 characters,
and it cannot be left blank.
An invalid ULI was reported. Please review the
information below and update your file accordingly.
1) Based on the check digit calculation, the ULI
contains a transcription error.

Edit ID

Data Point
Name

Affected Data
Fields

Edit Description
An invalid data field was reported. Please review the
information below and update your file accordingly.

V610

V611

Application Date

Loan Type

Application
Date; Action
Taken

Loan Type

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 information below and update your file
accordingly.
1) Loan Type must equal 1, 2, 3, or 4, and cannot be
left blank.
An invalid Loan Purpose was reported. Please
review the information 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.
An invalid Preapproval data field was provided.
Please review the information below and update your
file accordingly.
1) Preapproval must equal 1 or 2, and cannot be left
blank.

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.

123

Edit ID

Data Point
Name

Affected Data
Fields

Edit Description
An invalid Preapproval was provided. Please review
the information below and update your file
accordingly.

V614

V615

V616

V617

Preapproval

Construction
Method

Occupancy
Type

Loan Amount

Preapproval;
Loan Purpose;
Multifamily
Affordable Units;
Reverse
Mortgage;
Open-End Line
of Credit

Construction
Method;
Manufactured
Home Land
Property
Interest;
Manufactured
Home Secured
Property Type

Occupancy
Type

Loan Amount

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.
An invalid Construction Method was reported. Please
review the information below and update your file
accordingly.
1) Construction Method must equal 1 or 2, and
cannot be left blank.
2) If Manufactured Home Land Property Interest
equals 1, 2, 3, or 4, then Construction Method must
equal 2.
3) If Manufactured Home Secured Property Type
equals 1 or 2 then Construction Method must equal
2.
An invalid Occupancy Type was reported. Please
review the information below and update your file
accordingly.
1) Occupancy Type must equal 1, 2, or 3, and cannot
be left blank.
An invalid Loan Amount was reported. Please review
the information below and update your file
accordingly.
1) Loan Amount must be a number greater than or
equal to 0, and cannot be left blank.

124

Edit ID

V618

Data Point
Name

Action Taken

Affected Data
Fields

Action Taken

Edit Description
An invalid Action Taken was reported. Please review
the information below and update your file
accordingly.
1) Action Taken must equal 1, 2, 3, 4, 5, 6, 7, or 8,
and cannot be left blank.
An invalid Action Taken Date was reported. Please
review the information below and update your file
accordingly.

V619

V620

V621

V622

V623

125

Action Taken
Date

Property
Address

Property
Address;
Property
Location

Action Taken
Date;
Application Date

Street Address

City

Street Address;
City; State; Zip
Code

State

1) Action Taken Date must be a valid date using
YYYYMMDD format, and cannot be left blank.
2) The Action Taken Date must be in the reporting
year.
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 information below and update your file
accordingly.
1) Street Address cannot be left blank.
An invalid City was provided. Please review the
information 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
information below and update your file accordingly.
1) State must be either a two-letter state code or NA,
and cannot be left blank.

Edit ID

V624

V625

V626

V627

126

Data Point
Name

Property
Address

Property
Location

Affected Data
Fields

Zip Code

Edit Description
An invalid Zip Code was provided. Please review the
information below and update your file accordingly.
1) The required format for Zip Code is 12345-1010,
12345, NA, or Exempt, and cannot be left blank.
An invalid Census Tract was provided. Please review
the information below and update your file
accordingly.

Census Tract

1) The required format for Census Tract is an elevendigit number or NA, and it cannot be left blank.
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
information below and update your file accordingly.

Property
Location

County

Property
Location

Census Tract;
County

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
file accordingly.
1) If County and Census Tract are not reported NA,
they must be a valid combination of information. The
first five digits of the Census Tract must match the
reported five-digit County FIPS code.

Edit ID

V628

127

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
for Other
Hispanic or
Latino

Edit Description
An invalid Ethnicity data field was reported. Please
review the information below and update your file
accordingly.
1) Ethnicity of Applicant or Borrower: 1 must equal 1,
11, 12, 13, 14, 2, 3, or 4, and cannot be left blank,
unless an ethnicity is provided in Ethnicity of
Applicant or Borrower: Free Form Text Field for
Other Hispanic or Latino.
2) Ethnicity of Applicant or Borrower: 2; Ethnicity of
Applicant or Borrower: 3; Ethnicity of Applicant or
Borrower: 4; Ethnicity of Applicant or Borrower: 5
must equal 1, 11, 12, 13, 14, 2, or be left blank.
3) Each Ethnicity of Applicant or Borrower code can
only be reported once
4) If Ethnicity of Applicant or Borrower: 1 equals 3 or
4; then Ethnicity of Applicant or Borrower: 2; Ethnicity
of Applicant or Borrower: 3; Ethnicity of Applicant or
Borrower: 4; Ethnicity of Applicant or Borrower: 5
must be left blank.

Edit ID

V629

V630

128

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
for 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 information below and update your file
accordingly.
1) Ethnicity of Applicant or Borrower Collected on the
Basis of Visual Observation or Surname must equal
1, 2, or 3, and cannot be left blank.
2) If Ethnicity of Applicant or Borrower Collected on
the Basis of Visual Observation or Surname equals
1, then Ethnicity of Applicant or Borrower: 1 must
equal 1 or 2; and Ethnicity of Applicant or Borrower:
2 must equal 1, 2 or be left blank; and Ethnicity of
Applicant or Borrower: 3; Ethnicity of Applicant or
Borrower: 4; and Ethnicity of Applicant or Borrower: 5
must all be left blank.
3) If Ethnicity of Applicant or Borrower Collected on
the Basis of Visual Observation or Surname equals
2, then Ethnicity of Applicant or Borrower: 1 must
equal 1, 11, 12, 13, 14, 2, or 3, and cannot be left
blank, unless an ethnicity is provided in Ethnicity of
Applicant or Borrower: Free Form Text Field for
Other Hispanic or Latino.

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

Edit ID

V631

129

Data Point
Name

Ethnicity

Edit Description
An invalid Ethnicity data field was reported. Please
review the information below and update your file
accordingly.
1) Ethnicity of Co-Applicant or Co-Borrower: 1 must
equal 1, 11, 12, 13, 14, 2, 3, 4, or 5, and cannot be
left blank, unless an ethnicity is provided in Ethnicity
of Co-Applicant or Co-Borrower: Free Form Text
Field for Other Hispanic or Latino.
2) Ethnicity of Co-Applicant or Co-Borrower: 2;
Ethnicity of Co-Applicant or Co-Borrower: 3; Ethnicity
of Co-Applicant or Co-Borrower: 4; Ethnicity of CoApplicant or Co-Borrower: 5 must equal 1, 11, 12, 13,
14, 2, or be left blank.
3) Each Ethnicity of Co-Applicant or Co-Borrower
code can only be reported once.
4) If Ethnicity of Co-Applicant or Co-Borrower: 1
equals 3, 4, or 5; then Ethnicity of Co-Applicant or
Co-Borrower: 2; Ethnicity of Co-Applicant or CoBorrower: 3; Ethnicity of Co-Applicant or CoBorrower: 4; Ethnicity of Co-Applicant or CoBorrower: 5 must be left blank.

Edit ID

V632

V633

130

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
for 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 information below and update your file
accordingly.
1) Ethnicity of Co-Applicant or Co-Borrower Collected
on the Basis of Visual Observation or Surname must
equal 1, 2, 3, or 4, and cannot be left blank.
2) If Ethnicity of Co-Applicant or Co-Borrower
Collected on the Basis of Visual Observation or
Surname equals 1; then Ethnicity of Co-Applicant or
Co-Borrower: 1 must equal 1 or 2; and Ethnicity of
Co-Applicant or Co-Borrower: 2 must equal 1, 2 or be
left blank; and Ethnicity of Co-Applicant or 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 information below and update your file
accordingly.
1) If Ethnicity of Co-Applicant or Co-Borrower: 1
equals 4, then Ethnicity of Co-Applicant or CoBorrower Collected on the Basis of Visual
Observation or Surname must equal 3.

Edit ID

V634

V635

131

Data Point
Name

Ethnicity

Race

Affected Data
Fields
Ethnicity of CoApplicant or CoBorrower: 1;
Ethnicity of CoApplicant or CoBorrower
Collected on the
Basis of Visual
Observation or
Surname
Race of
Applicant or
Borrower: 1;
Race of
Applicant or
Borrower: 2;
Race of
Applicant or
Borrower: 3;
Race of
Applicant or
Borrower: 4;
Race of
Applicant or
Borrower: 5;
Race of
Applicant or
Borrower: Free
Form Text Field
for Other Asian;
Race of
Applicant or
Borrower: Free
Form Text Field
for Other Pacific
Islander

Edit Description
An invalid Ethnicity data field was reported. Please
review the information below and update your file
accordingly.
1) If Ethnicity of Co-Applicant or Co-Borrower: 1
equals 5, then Ethnicity of Co-Applicant or CoBorrower Collected on the Basis of Visual
Observation or Surname must equal 4, and the
reverse must be true.
An invalid Race data field was reported. Please
review the information 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 left blank.
3) Each Race of Applicant or Borrower code can only
be reported once.
4) If Race of Applicant or Borrower: 1 equals 6 or 7;
then Race of Applicant or Borrower: 2; Race of
Applicant or Borrower: 3; Race of Applicant or
Borrower: 4; and Race of Applicant or Borrower: 5
must all be left blank.

Edit ID

V636

132

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
for American
Indian or Alaska
Native Enrolled
or Principal
Tribe; Race of
Applicant or
Borrower: Free
Form Text Field
for Other Asian;
Race of
Applicant or
Borrower: Free
Form Text Field
for Other Pacific
Islander

Edit Description

An invalid Race data field was reported. Please
review the information below and update your file
accordingly.
1) Race of Applicant or Borrower Collected on the
Basis of Visual Observation or Surname must equal
1, 2, or 3, and cannot be left blank.
2) If 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 left blank.

Edit ID

V637

133

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 information below and update your file
accordingly.
1) If Race of Applicant or Borrower: 1 equals 7, then
Race of Applicant or Borrower Collected on the Basis
of Visual Observation or Surname must equal 3.

Edit ID

V638

134

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
for American
Indian or Alaska
Native Enrolled
or Principal
Tribe; Race of
Co-Applicant or
Co-Borrower:
Free Form Text
Field for Other
Asian; Race of
Co-Applicant or
Co-Borrower:
Free Form Text
Field for Other
Pacific Islander

Edit Description

An invalid Race data field was reported. Please
review the information below and update your file
accordingly.
1) Race of Co-Applicant or Co-Borrower: 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

135

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 for
American Indian
or Alaska Native
Enrolled or
Principal Tribe;
Race of CoApplicant or CoBorrower: Free
Form Text Field
for Other Asian;
Race of CoApplicant or CoBorrower: Free
Form Text Field
for Other Pacific
Islander

Edit Description

An invalid Race data field was reported. Please
review the information below and update your file
accordingly.
1) Race of Co-Applicant or Co-Borrower Collected on
the Basis of Visual Observation or Surname must
equal 1, 2, 3, or 4, and cannot be left blank.
2) If Race of Co-Applicant or Co-Borrower Collected
on the Basis of Visual Observation or Surname
equals 1, then Race of Co-Applicant or Co-Borrower:
1 must equal 1, 2, 3, 4, or 5; and Race of 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

136

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 information below and update your file
accordingly.
1) If Race of Co-Applicant or Co-Borrower: 1 equals
7, then Race of Co-Applicant or Co-Borrower
Collected on the Basis of Visual Observation or
Surname must equal 3.

An invalid Race data field was reported. Please
review the information below and update your file
accordingly.
1) If Race of Co-Applicant or Co-Borrower: 1 equals
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 information below and update your file
accordingly.
1) Sex of Applicant or Borrower must equal 1, 2, 3, 4,
or 6, and cannot be left blank.
2) Sex of Applicant or Borrower Collected on the
Basis of Visual Observation or Surname must equal
1, 2, or 3, and cannot be left blank.
An invalid Sex data field was reported. Please review
the information below and update your file
accordingly.
1) If Sex of Applicant or Borrower Collected on the
Basis of Visual Observation or Surname equals 1,
then Sex of Applicant or Borrower must equal 1 or 2.

Edit ID

V644

V645

V646

V647

137

Data Point
Name

Sex

Affected Data
Fields

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
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 information below and update your file
accordingly.
1) If Sex of Applicant or Borrower Collected on the
Basis of Visual Observation or Surname equals 2,
then Sex of Applicant or Borrower must equal 1, 2, 3,
or 6.
2) If Sex of Applicant or Borrower equals 6, then Sex
of Applicant or Borrower Collected on the Basis of
Visual Observation or Surname must equal 2.
An invalid Sex data field was reported. Please review
the information below and update your file
accordingly.
1) If Sex of Applicant or Borrower equals 4, then Sex
of Applicant or Borrower Collected on the Basis of
Visual Observation or Surname must equal 3.
An invalid Sex data field was reported. Please review
the information below and update your file
accordingly.
1) Sex of Co-Applicant or Co-Borrower must equal 1,
2, 3, 4, 5, or 6, and cannot be left blank.
2) Sex of Co-Applicant or Co-Borrower Collected on
the Basis of Visual Observation or Surname must
equal 1, 2, 3, or 4, and cannot be left blank.
An invalid Sex data field was reported. Please review
the information below and update your file
accordingly.
1) If Sex of Co-Applicant or Co-Borrower Collected
on the Basis of Visual Observation or Surname
equals 1, then Sex of Co-Applicant or Co-Borrower
must equal 1 or 2.

Edit ID

V648

V649

V650

138

Data Point
Name

Sex

Affected Data
Fields

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

Age

Income

Affected Data
Fields

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

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;
Multifamily
Affordable 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
information below and update your file accordingly.
1) Income must be either a positive or negative
integer rounded to the nearest thousand or NA, and
cannot be left blank.
2) If Multifamily Affordable Units is a number, then
Income must be NA.

139

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
information below and update your file accordingly.
1) If Ethnicity of Applicant or Borrower: 1 equals 4;
and Race of Applicant or Borrower: 1 equals 7; Sex
of Applicant or Borrower: 1 equals 4; and Action
Taken does not equal 6, indicating the applicant is a
non-natural person, then Income must be NA.
2) If Ethnicity of Co-Applicant or Co-Borrower: 1
equals 4; and Race of Co-Applicant or Co-Borrower:
1 equals 7; Sex of Co-Applicant or Co-Borrower: 1
equals 4; and Action Taken does not equal 6,
indicating that the co-applicant or co-borrower is a
non-natural person, then Income must be NA.

An invalid Type of Purchaser was reported. Please
review the information 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 information below and update your file
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.

140

Edit ID

Data Point
Name

Affected Data
Fields

Edit Description
An invalid HOEPA Status was reported. Please
review the information below and update your file
accordingly.

V658

V659

V660

V661

141

HOEPA Status

Lien Status

Credit Score

HOEPA Status;
Action Taken

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

1) HOEPA Status must equal 1, 2, or 3, and cannot
be left blank.
2) If Action Taken equals 2, 3, 4, 5, 7, or 8, then
HOEPA Status must be 3.
An invalid Lien Status was reported. Please review
the information below and update your file
accordingly.
1) Lien Status must equal 1 or 2, and cannot be left
blank.
An invalid Credit Score data field was reported.
Please review the information below and update your
file accordingly.
1) Credit Score of Applicant or Borrower must be a
number, and cannot be left blank.
2) Applicant or Borrower, Name and Version of
Credit Scoring Model must equal 1111, 1, 2, 3, 4, 5,
6, 7, 8, or 9.
An invalid Credit Score data field was reported.
Please review the information below and update your
file accordingly.
1) If Credit Score of Applicant or Borrower equals
8888, indicating not applicable, then Applicant or
Borrower, Name and Version of Credit Scoring Model
must equal 9, and the reverse must be true.

Edit ID

V662

V663

142

Data Point
Name

Credit Score

Affected Data
Fields

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

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

Edit Description
An invalid Credit Score data field was reported.
Please review the information below update your file
accordingly.
1) If Applicant or Borrower, Name and Version of
Credit Scoring Model equals 1111, 1, 2, 3, 4, 5, 6, 7,
or 9, then Applicant or Borrower, Name and Version
of Credit Scoring Model: Conditional Free Form Text
Field for Code 8 must be left blank, and the reverse
must be true.
2) If Applicant or Borrower, Name and Version of
Credit Scoring Model equals 8, then 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
file 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

143

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
for 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
file accordingly.
1) If Action Taken equals 4, 5, or 6, then Credit Score
of Co-Applicant or Co-Borrower must equal 8888 or
1111; and Co-Applicant or Co-Borrower, Name and
Version of Credit Scoring Model must equal 9 or
1111; and Co-Applicant or Co-Borrower, Name and
Version of Credit Scoring Model: Conditional Free
Form Text Field for Code 8 must be left blank

An invalid Credit Score data field was reported.
Please review the information below and update your
file accordingly.
1) Credit Score of Co-Applicant or Co-Borrower must
be a number, and cannot be left blank.
2) Co-Applicant or Co-Borrower, Name and Version
of Credit Scoring Model must equal 1111, 1, 2, 3, 4,
5, 6, 7, 8, 9, or 10, and cannot be left blank.

Edit ID

Data Point
Name

Affected Data
Fields

Edit Description
An invalid Credit Score data field was reported.
Please review the information below and update your
file accordingly.

V666

V667

144

Credit Score

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

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
file accordingly.
1) If Co-Applicant or Co-Borrower, Name and
Version of Credit Scoring Model equals 1111, 1, 2, 3,
4, 5, 6, 7, 9, or 10, then Co-Applicant or 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
file accordingly.
1) If Ethnicity of Applicant or Borrower: 1 equals 4;
and Race of Applicant or Borrower: 1 equals 7; and
Sex of Applicant or Borrower equals 4 indicating the
applicant is a non-natural person then Credit Score
of Applicant or Borrower must equal 8888, indicating
not applicable, or 1111.
2) If 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
file accordingly.

V669

Reason for
Denial

Reason for
Denial: 1;
Reason for
Denial: 2;
Reason for
Denial: 3;
Reason for
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 left 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.

145

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
file accordingly.
1) If Action Taken equals 3 or 7, then the Reason for
Denial: 1 must equal 1111, 1, 2, 3, 4, 5, 6, 7, 8, or 9.

V670

Reason for
Denial

Action Taken;
Reason for
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

146

Reason for
Denial

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

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
file 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 left blank; or
2) The Reason for Denial: Conditional Free Form
Text Field for Code 9 was reported, but Code 9 was
not reported in Reason for Denial: 1; Reason for
Denial: 2; Reason for Denial: 3; or Reason for Denial:
4.

Edit ID

Data Point
Name

Affected Data
Fields

Edit Description
An invalid Total Loan Costs or Total Points and Fees
data field was reported. Please review the
information below and update your file accordingly.

V672

Total Loan
Costs or Total
Points and Fees

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

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
file 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.

147

Edit ID

Data Point
Name

Affected Data
Fields

Edit Description
An invalid Origination Charges was reported. Please
review the information below and update your file
accordingly.

V674

Origination
Charges

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

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 information 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.

148

Edit ID

Data Point
Name

Affected Data
Fields

Edit Description
An invalid Lender Credits was reported. Please
review the information below and update your file
accordingly.

V676

Lender Credits

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

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 information below and update your file
accordingly.

V677

Interest Rate

Interest Rate;
Action Taken

1) Interest Rate must be a number greater than 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.

149

Edit ID

Data Point
Name

Affected Data
Fields

Edit Description
An invalid Prepayment Penalty Term was reported.
Please review the information below and update your
file accordingly.

V678

Prepayment
Penalty Term

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

1) Prepayment Penalty Term must be a whole
number greater than 0, Exempt, or NA, and cannot
be left blank.
2) If Action Taken equals 6, then Prepayment
Penalty Term must be NA or Exempt.
3) If Reverse Mortgage equals 1, then Prepayment
Penalty Term must be NA or Exempt.
4) If Business or Commercial 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
file accordingly.

V679

Debt-to-Income
Ratio

Debt-to-Income
Ratio,
Multifamily
Affordable 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.

150

Edit ID

Data Point
Name

Affected Data
Fields

Edit Description
An invalid Debt-to-Income Ratio was reported.
Please review the information below and update your
file accordingly.

V680

V681

Debt-to-Income
Ratio

Combined Loanto-Value 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

Combined Loanto-Value Ratio;
Action Taken

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

151

Edit ID

Data Point
Name

Affected Data
Fields

Edit Description
An invalid Loan Term was reported. Please review
the information below and update your file
accordingly.

V682

V683

V684

V685

V686

V687

152

Loan Term

Loan Term;
Reverse
Mortgage

Introductory
Rate Period

Non-Amortizing
Features

Balloon
Payment

Non-Amortizing
Features

Interest-Only
Payments

Negative
Amortization

Other Nonamortizing
Features

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
file 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 information 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
file 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
file 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

Data Point
Name

Affected Data
Fields

Edit Description
An invalid Property Value was reported. Please
review the information below and update your file
accordingly.

V688

Property Value

Property Value;
Action Taken

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

Manufactured
Home Secured
Property Type

Manufactured
Home Secured
Property Type;
Multifamily
Affordable 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

Manufactured
Home Land
Property Interest

Manufactured
Home Land
Property
Interest;
Multifamily
Affordable 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.

153

Edit ID

V691

Data Point
Name

Total Units

Affected Data
Fields

Total Units

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

V692

Multifamily
Affordable Units

Multifamily
Affordable 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.

154

Edit ID

Data Point
Name

Affected Data
Fields

Edit Description
An invalid Application Channel data field was
reported. Please review the information below and
update your file accordingly.

V694

V695

155

Application
Channel

Mortgage Loan
Originator
NMLSR
Identifier

Initially Payable
to Your
Institution;
Action Taken

Mortgage Loan
Originator
NMLSR
Identifier

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 information below and update your file
accordingly.
1) NMLSR Identifier cannot be left blank.

Edit ID

V696

156

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, or 6, 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, 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, or 17, and cannot be left blank. Automated
Underwriting System Result: 2; Automated
Underwriting System Result: 3; Automated
Underwriting System Result: 4; and Automated
Underwriting System Result: 5 must equal 1, 2, 3, 4,
5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 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

157

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, or
16.

Edit ID

V700

158

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 left blank.

Edit ID

V701

159

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 left blank, then the corresponding reported
Automated Underwriting System Result: 2;
Automated Underwriting System Result: 3;
Automated Underwriting System Result: 4; or
Automated Underwriting System Result: 5 must be
left blank.

Edit ID

V702

160

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 left blank; or
2) The Automated Underwriting System: Conditional
Free Form Text Field for Code 5 was reported, but
Code 5 was not reported in Automated Underwriting
System: 1; Automated Underwriting System: 2;
Automated Underwriting System: 3; Automated
Underwriting System: 4; or Automated Underwriting
System: 5.

Edit ID

V703

V704

161

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
for 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 field was reported. Please review the
information below and update your file accordingly.
1) Automated Underwriting System Result: 1;
Automated Underwriting System Result: 2;
Automated Underwriting System Result: 3;
Automated Underwriting System Result: 4; or
Automated Underwriting System Result: 5 was
reported Code 16: Other. However, the Automated
Underwriting System Result: Conditional Free Form
Text Field for Code 16 was left blank; or
2) The Automated Underwriting System Result:
Conditional Free Form Text Field for Code 16 was
reported, but Code 16 was not reported in Automated
Underwriting System Result: 1; Automated
Underwriting System Result: 2; Automated
Underwriting System Result: 3; Automated
Underwriting System Result: 4; or Automated
Underwriting System Result: 5.
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

Automated
Underwriting
System

Reverse
Mortgage

Open-End Line
of Credit

Affected Data
Fields

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 information 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
file accordingly.
1) Open-End Line of Credit must equal 1111, 1, or 2,
and cannot be left blank.

162

Edit ID

V708

V709

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 information below and update your file
accordingly.
1) If Street Address, City, and Zip Code is reported
Exempt, then all three must be reported Exempt.

163

Edit ID

V710

164

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
for 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
for Code 8

Edit Description

An invalid Credit Score was reported. Please review
the information below and update your file
accordingly:
If the Credit Score exemption election is taken,
1) Credit Score of Applicant or Borrower, Credit
Score of Co-Applicant or Co-Borrower, Applicant or
Borrower, Name and Version of Credit Scoring
Model, and Co-Applicant or Co-Borrower, Name and
Version of Credit Scoring Model must be reported
1111; and
2) Applicant or Borrower, Name and Version of
Credit Scoring Model: Conditional Free Form Text
Field for Code 8 and Co-Applicant or Co-Borrower,
Name and Version of Credit Scoring Model:
Conditional Free Form Text Field for Code 8 must be
left blank.

Edit ID

V711

V712

165

Data Point
Name

Reason for
Denial

Total Loan
Costs or Total
Points and Fees

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

Total Loan
Costs; Total
Points and Fees

Edit Description
An invalid Reason for Denial was reported. Please
review the information below and update your file
accordingly:
1) If the Reason for Denial exemption election is
taken, Reason for Denial: 1 must be reported 1111;
and
2) Reason for Denial: 2, Reason for Denial: 3,
Reason for Denial: 4, and Reason for Denial:
Conditional Free Form Text Field for Code 9 must be
left blank.
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

166

Automated
Underwriting
System

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

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

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

Edit Description
An invalid Application Channel was reported. Please
review the information below and update your file
accordingly:
1) If the Application Channel exemption election is
taken, Submission of Application and Initially Payable
to Your Institution must be reported 1111.
An invalid Non-Amortizing Features was reported.
Please review the information below and update your
file accordingly:
1) If the Non-Amortizing Features exemption election
is taken, Balloon Payment, Interest-Only Payments,
Negative Amortization and Other Non-amortizing
Features must be reported 1111.

TABLE 7: QUALITY EDITS FOR LOAN/APPLICATION REGISTER

Edit ID

Q600

Q601

Q602

167

Data Point
Name

ULI

Affected Data
Fields

ULI

Application
Date

Application
Date; Action
Taken Date

Property
Address

Street Address;
City; State; Zip
Code

Edit Description
Please verify the information below and update your
file, if needed
1) A duplicate ULI or NULI was reported.
Please verify the information below and update your
file, if needed.
1) Application Date occurs more than two years prior to
Action Taken Date.
Please verify the information below and update your
file, if needed.
1) Street Address was reported NA, but City, State, and
Zip Code were provided.

Edit ID

Data Point
Name

Affected Data
Fields

Edit Description
An invalid Census Tract was reported. Please review
the information below and update your file accordingly.

Q603

Property
Location

County; Census
Tract

Q604

Property
Location

County; State

Q605

Type of
Purchaser

Type of
Purchaser; Loan
Type

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 verify the information below and update your
file, if needed.
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.
Please review the information below and update your
file, if needed.
1) If Type of Purchaser equals 1 or 3, then Loan Type
generally should equal 1.
2) If Type of Purchaser equals 2, then Loan Type
generally should equal 2, 3, or 4.
Please review the information below and update your
file, if needed.

Q606

Income

Income
1) If Income is a number, then it generally should be
less than $3 million (entered as 3000).
Please review the information below and update your
file, if needed.

Q607

Q608

168

Loan Amount

Loan Amount;
Lien Status

Action Taken

Action Taken;
Action Taken
Date;
Application Date

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

Edit ID

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

Q613

Q614

169

Age

Age of Applicant
or Borrower

Edit Description
Please review the information below and update your
file, if needed.
1) If Type of Purchaser equals 1, 2, 3, or 4, then Rate
Spread generally should be less than or equal to 10%,
Exempt, or NA.
Please review the information below and update your
file, if needed.
1) If Action Taken equals 1, Lien Status equals 1, and
Rate Spread is greater than 6.5%, then HOEPA Status
generally should be 1.
Please review the information below and update your
file, 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
file, 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
file, 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
file, if needed.
1) The Age of Applicant or Borrower generally should
be between 18 and 100 unless the Age of Applicant or
Borrower is reported 8888 indicating NA. Your data
indicates a number outside of this range.

Edit ID

Data Point
Name

Affected Data
Fields

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

Q615

Q616

Origination
Charges

Discount
Points

Origination
Charges; Total
Loan Costs;
Total Points and
Fees

Discount Points;
Total Loan
Costs; Total
Points and Fees

Q617

Combined
Loan-to-Value
Ratio

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

Q618

Manufactured
Home
Secured
Property Type

Construction
Method;
Manufactured
Home Secured
Property Type

Q619

Manufactured
Home Land
Property
Interest

Construction
Method;
Manufactured
Home Land
Property Interest

170

1) If Total Loan Costs and Origination Charges are not
reported NA or Exempt, 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, then Total Points and Fees
generally should be greater than Origination Charges.
Please review the information below and update your
file, if needed.
1) If Total Loan Costs and Discount Points are not
reported NA or Exempt, 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, then Total Points and Fees
generally should be greater than Discount Points.
Please review the information below and update your
file, if needed.
1) If Combined Loan-to-Value Ratio and Property Value
are not reported NA or Exempt, then the Combined
Loan-to Value Ratio generally should be greater than
or equal to the Loan-to-Value Ratio (calculated as Loan
Amount divided by the Property Value).
Please review the information below and update your
file, if needed.
1) If Construction Method equals 2, then Manufactured
Home Secured Property Type generally should not be
3.
Please review the information below and update your
file, if needed.
1) If Construction Method equals 2, then Manufactured
Home Land Property Interest generally should not be
5.

Edit ID

Q620

Data Point
Name

Affected Data
Fields

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

Loan Amount

Loan Type;
Total Units;
Loan Amount

Q623

Q624

Q625

171

Edit Description
Please review the information below and update your
file, if needed.
1) If Business or Commercial Purpose equals 2, then
NMLSR ID generally should not be NA.
Please review the information below and update your
file, if needed.
1) The NMLSR ID should be alphanumeric up to 12
characters. Your data indicates a value outside of this
range.
Please review the information below and update your
file, if needed.
1) If Reverse Mortgage equals 1, then the Age of
Applicant or Borrower generally should be greater than
or equal to 62. Your data indicates a number outside
this range.
Please review the information below and update your
file, if needed.
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
file, if needed.
1) If Loan Type equals 2 and Total Units equals 1, then
Loan Amount generally should be less than or equal to
$637,000 (reported as 637000).
Please review the information below and update your
file, if needed.
1) If Loan Type equals 3 and Total Units is less than or
equal to 4, then Loan Amount generally should be less
than or equal to $1,050,000 (reported as 1050000).

Edit ID

Data Point
Name

Affected Data
Fields

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

Total Units

Loan Type;
Total Units

Q631

172

Edit Description
Please review the information below and update your
file, if needed.
1) If Type of Purchaser equals 1, 2, 3, or 4 and Total
Units is less than or equal to 4, then Loan Amount
generally should be less than or equal to $1,225,000
(reported as 1225000).
Please review the information below and update your
file, if needed.
1) If Total Units is greater than or equal to 5, then Loan
Amount generally should be between $100,000
(reported as 100000) and $10,000,000 (reported as
10000000).
Please review the information below and update your
file, if needed.
1) If Loan Purpose equals 1 and Total Units is less than
or equal to 4, then Loan Amount generally should be
greater than $10,000 (reported as 10000).
Please review the information below and update your
file, if needed.
1) If Action Taken equals 1, 2, 3, 4, 5, 7, or 8; Total
Units is less than or equal to 4; and Loan Purpose
equals 1, 2, or 4, then Income generally should not be
NA.
Please review the information below and update your
file, if needed.
1) If Total Units is greater than or equal to 5, then
HOEPA Status generally should equal 3.
Please review the information below and update your
file, if needed.
1) If Loan Type equals 2, 3, or 4, then Total Units
generally should be less than or equal to 4.

Edit ID

Q632

173

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, 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 8 or 13.

Edit ID

Q633

174

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, 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 5, 8, 10,
13, 14, 15, or 16.

Edit ID

Q642

175

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
file, if needed.
1) If Credit Score of Applicant or Borrower equals 7777
indicating a credit score that is not a number, then
Applicant or Borrower, Name and Version of Credit
Scoring Model should equal 7 or 8.
2) If Credit Score of Co-Applicant or Co-Borrower
equals 7777 indicating a credit score that is not a
number, then Co-Applicant or Co-Borrower, Name and
Version of Credit Scoring Model should equal 7 or 8.

Edit ID

Q643

176

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, 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, or 15.

Edit ID

Q644

177

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, 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, or 12.

TABLE 8:

Edit ID

MACRO QUALITY EDITS FOR LOAN/APPLICATION REGISTER

Data Point
Name

Affected Data
Fields

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

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

Q637

Action Taken

Action Taken;
Total Number of
Entries
Contained in
Submission

Q638

Action Taken

Q634

Q635

Q636

178

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
file, if needed.
No more than 15% of the loans in the file should report
Action Taken equals 2. Your data indicates a
percentage outside of this range.
Please review the information below and update your
file, if needed.
No more than 30% of the loans in the file should report
Action Taken equals 4. Your data indicates a
percentage outside of this range.
Please review the information below and update your
file, if needed.
No more than 15% of the loans in the file should report
Action Taken equals 5. Your data indicates a
percentage outside of this range.
Please review the information below and update your
file, if needed.
The number of loans in the file that reported Action
Taken equals 1 should be greater than or equal to 20%
of the total number of loans that reported Action Taken
1, 2, 3, 4, 5, or 6. Your data indicates a percentage
outside of this range.

Edit ID

Data Point
Name

Affected Data
Fields

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

Q639

Q640

179

Action Taken

Action Taken;
Preapproval

Income

Income; Total
Number of
Entries
Contained in
Submission

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
file, 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.

6. Additional information
6.1

Frequently Asked Questions

The Frequently Asked Questions are available at http://www.consumerfinance.gov/hmda/forfilers.

6.2

HMDA Help

Technical questions about reporting HMDA data collected in or after 2017 should be directed to
[email protected].
Technical questions about reporting HMDA data collected in or before 2016 should be directed
to [email protected].

180

File Type	application/pdf
File Modified	2018-11-29
File Created	2018-10-11