HMDA edits are the checks the HMDA Platform runs on your loan/application register before it accepts a filing. Syntactical and validity edits block submission until you correct the data. Quality and macro quality edits flag values that look unusual, and you either correct them or confirm in the platform that they are accurate.
Every edit in the 2026 FIG, which covers HMDA data collected in 2026 and filed in 2027. The search runs in your browser and sends nothing anywhere.
Showing all 183 edits, grouped by type. Open a group or start typing.
Fields: Record Identifier
The data provided in the file is incorrect. Please review the information below and update your file accordingly. The following criteria must be met:
1) The first row of your file must begin with a 1; and
2) Any subsequent rows must begin with a 2.
Fields: Legal Entity Identifier (LEI)
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.
Fields: Calendar Year
The reported Calendar Year does not match the filing year indicated at the start of the filing. Please confirm the information below and update your file accordingly.
1) The correct file has been uploaded; and
2) The correct filing year was chosen at the start of the filing; and
3) The calendar year is listed correctly in the file.
Fields: Total Number of Entries Contained in Submission
The reported Total Number of Entries Contained in Submission does not match the total number of LAR records in the HMDA file. Please update your file accordingly to ensure that your file contains the correct number of entries .
Fields: All data fields in the LAR
A duplicate transaction has been reported. Please review and update your file accordingly.
Fields: Universal Loan Identifier (ULI)
A duplicate ULI has been reported. Please review and update your file accordingly.
1) If Action Taken equals 1, a duplicate ULI cannot be reported.
Fields: Legal Entity Identifier (LEI)
An LEI in an invalid format was provided. Please review the information below and update your file accordingly.
1) The required format for LEI is alphanumeric with 20 characters, and it cannot be left blank.
How to clear it (our summary): Report LEI as alphanumeric with 20 characters. It cannot be blank.
Fields: Financial Institution Name; Contact Person's Name; Contact Person's E-mail Address; Contact Person's Office Street Address; Contact Person's Office City
The following data fields are required, and cannot be left blank. A blank value(s) was provided. Please review the information below and update your file accordingly.
1) Financial Institution Name;
2) Contact Person's Name;
3) Contact Person's E-mail Address;
4) Contact Person's Office Street Address;
5) Contact Person's Office City
Fields: Calendar Quarter
An invalid Calendar Quarter was reported. Please review the information below and update your file accordingly.
1) Calendar Quarter must equal 4, and cannot be left blank.
How to clear it (our summary): Report Calendar Quarter as 4. It cannot be blank.
Fields: Contact Person's Telephone Number
An invalid Contact Person's Telephone Number was provided. Please review the information below and update your file accordingly.
1) The required format for the Contact Person's Telephone Number is 999-999-9999, and it cannot be left blank.
How to clear it (our summary): Report Contact Person's Telephone Number as 999-999-9999. It cannot be blank.
Fields: Contact Person's Office State
An invalid Contact Person's Office State was provided. Please review the information below and update your file accordingly.
1) Contact Person's Office State must be a two-letter state code, and cannot be left blank.
How to clear it (our summary): Report Contact Person's Office State as a two-letter state code. It cannot be blank.
Fields: Contact Person's Office ZIP Code
An invalid Contact Person's ZIP Code was provided. Please review the information below and update your file accordingly.
1) The required format for the Contact Person's ZIP Code is 12345-1010 or 12345, and it cannot be left blank.
How to clear it (our summary): Report Contact Person's ZIP Code as 12345-1010 or 12345. It cannot be blank.
Fields: Total Number of Entries Contained in Submission
The reported Total Number of Entries Contained in Submission is not in the valid format. Please review the information below and update your file accordingly.
1) The required format for the Total Number of Entries Contained in Submission is a whole number that is greater than zero, and it cannot be left blank.
How to clear it (our summary): Report Total Number of Entries Contained in Submission as a whole number that is greater than zero. It cannot be blank.
Fields: Federal Taxpayer Identification Number
An invalid Federal Taxpayer Identification Number was provided. Please review the information below and update your file accordingly.
1) The required format for the Federal Taxpayer Identification Number is 99-9999999, and it cannot be left blank.
How to clear it (our summary): Report Federal Taxpayer Identification Number as 99-9999999. It cannot be blank.
Fields: Contact Person's Email Address
An invalid Contact Person's Email Address was provided. Please review the information below and update your file accordingly.
1) The required format for the Contact Person's Email Address is name@example.com, and it cannot be left blank.
How to clear it (our summary): Report Contact Person's Email Address as name@example.com. It cannot be blank.
Fields: Financial Institution Name; LEI
An invalid Financial Institution Name was reported. Please review the information below and update your file accordingly:
1) The required format for Financial Institution Name is alphanumeric. The Financial Institution Name field contains only numbers and no letters.
2) The Financial Institution Name provided matches the LEI provided. Please update the Financial Institution Name .
Fields: Universal Loan Identifier (ULI) Universal Loan Identifier (NULI)
A ULI with an invalid format was provided. Please review the information below and update your file accordingly.
1) The required format for ULI is alphanumeric with at least 23 characters and up to 45 characters, and it cannot be left blank.
2) The required format for NULI is alphanumeric with at least 1 character and no more than 22 characters, and it cannot be NA, Exempt, 1111 or left blank.
How to clear it (our summary): Condition 1: Report ULI as alphanumeric with at least 23 characters and up to 45 characters. It cannot be blank.
Fields: Universal Loan Identifier (ULI)
An invalid ULI was reported. Please review the information below and update your file accordingly.
1) Based on the check digit calculation, the ULI contains a transcription error.
Fields: Application Date; Action Taken
An invalid data field was reported. Please review the information below and update your file accordingly.
1) Application Date must be either a valid date using YYYYMMDD format or NA, and cannot be left blank.
2) If Action Taken equals 6, then Application Date must be NA, and the reverse must be true.
How to clear it (our summary): Condition 1: Report Application Date as a valid date using YYYYMMDD format or NA. It cannot be blank.
Fields: Loan Type
An invalid Loan Type was reported. Please review the information below and update your file accordingly.
1) Loan Type must equal 1, 2, 3, or 4, and cannot be left blank.
How to clear it (our summary): Report Loan Type as 1, 2, 3, or 4. It cannot be blank.
Fields: Loan Purpose; Preapproval
An invalid Loan Purpose was reported. Please review the information below and update your file accordingly.
1) Loan Purpose must equal 1, 2, 31, 32, 4, or 5, and cannot be left blank.
2) If Preapproval equals 1, then Loan Purpose must equal 1.
How to clear it (our summary): Condition 1: Report Loan Purpose as 1, 2, 31, 32, 4, or 5. It cannot be blank.
Fields: Preapproval; Action Taken
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.
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.
How to clear it (our summary): Condition 1: Report Preapproval as 1 or 2. It cannot be blank.
Fields: Preapproval; Loan Purpose; Multifamily Affordable Units; Reverse Mortgage; Open-End Line of Credit
An invalid Preapproval was provided. Please review the information below and update your file accordingly.
1) If Loan Purpose equals 2, 4, 31, 32, or 5, then Preapproval must equal 2.
2) If Multifamily Affordable Units is a number, then Preapproval must equal 2.
3) If Reverse Mortgage equals 1, then Preapproval must equal 2.
4) If Open-End Line of Credit equals 1, then Preapproval must equal 2.
Fields: Construction Method; Manufactured Home Land Property Interest; Manufactured Home Secured Property Type
An invalid Construction Method was reported. Please review the information below and update your file accordingly.
1) Construction Method must equal 1 or 2, and cannot be left blank.
2) If Manufactured Home Land Property Interest equals 1, 2, 3, or 4, then Construction Method must equal 2.
3) If Manufactured Home Secured Property Type equals 1 or 2 then Construction Method must equal 2.
How to clear it (our summary): Condition 1: Report Construction Method as 1 or 2. It cannot be blank.
Fields: Occupancy Type
An invalid Occupancy Type was reported. Please review the information below and update your file accordingly.
1) Occupancy Type must equal 1, 2, or 3, and cannot be left blank.
How to clear it (our summary): Report Occupancy Type as 1, 2, or 3. It cannot be blank.
Fields: Loan Amount
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.
How to clear it (our summary): Report Loan Amount as a number greater than or equal to 0. It cannot be blank.
Fields: Action Taken
An invalid Action Taken was reported. Please review the information below and update your file accordingly.
1) Action Taken must equal 1, 2, 3, 4, 5, 6, 7, or 8, and cannot be left blank.
How to clear it (our summary): Report Action Taken as 1, 2, 3, 4, 5, 6, 7, or 8. It cannot be blank.
Fields: Action Taken Date; Application Date
An invalid Action Taken Date was reported. Please review the information below and update your file accordingly.
1) Action Taken Date must be a valid date using YYYYMMDD format, and cannot be left blank.
2) The Action Taken 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.
How to clear it (our summary): Condition 1: Report Action Taken Date as a valid date using YYYYMMDD format. It cannot be blank.
Fields: Street Address
An invalid Street Address was provided. Please review the information below and update your file accordingly.
1) Street Address cannot be left blank.
How to clear it (our summary): Fill in Street Address. It cannot be blank.
Fields: City
An invalid City was provided. Please review the information below and update your file accordingly.
1) City cannot be left blank.
How to clear it (our summary): Fill in City. It cannot be blank.
Fields: Street Address; City; State; Zip Code
An invalid City, State, and/or Zip Code were provided. Please review the information below and update your file accordingly.
1) If Street Address was not reported NA or Exempt, then City, State, and Zip Code must be provided, and not reported NA.
Fields: State
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.
How to clear it (our summary): Report State as a two-letter state code or NA. It cannot be blank.
Fields: Zip Code
An invalid Zip Code was provided. Please review the information below and update your file accordingly.
1) The required format for Zip Code is 12345-1010, 12345, NA, or Exempt, and cannot be left blank.
How to clear it (our summary): Report Zip Code as 12345-1010, 12345, NA, or Exempt. It cannot be blank.
Fields: Census Tract
An invalid Census Tract was provided. Please review the information below and update your file accordingly.
1) The required format for Census Tract is an eleven-digit number or NA, and it cannot be left blank.
2) If Census Tract is not reported NA, then the number provided must be a valid census tract number defined by the U.S. Census Bureau.
How to clear it (our summary): Condition 1: Report Census Tract as an eleven-digit number or NA. It cannot be blank.
Fields: County
An invalid County was provided. Please review the information below and update your file accordingly.
1) The required format for County is a five-digit FIPS code or NA, and it cannot be left blank
How to clear it (our summary): Report County as a five-digit FIPS code or NA. It cannot be blank.
Fields: Census Tract; County
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, theymust be a valid combination of information. The first five digits of the Census Tract must match the reported five-digit County FIPS code.
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: 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) 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.
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.
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 .
How to clear it (our summary): Condition 1: Report Ethnicity of Applicant or Borrower Collected on the Basis of Visual Observation or Surname as 1, 2, or 3. It cannot be blank.
Fields: Ethnicity of Applicant or Borrower: 1; Ethnicity of Applicant or Borrower Collected on the Basis of Visual Observation or Surname
An invalid Ethnicity data field was reported. Please review the information below and update your file accordingly.
1) If Ethnicity of Applicant or Borrower: 1 equals 4, then Ethnicity of Applicant or Borrower Collected on the Basis of Visual Observation or Surname must equal 3.
Fields: Ethnicity of Co-Applicant or Co-Borrower: 1; Ethnicity of Co-Applicant or Co-Borrower: 2; Ethnicity of Co-Applicant or Co-Borrower: 3; Ethnicity of Co-Applicant or Co-Borrower: 4; Ethnicity of Co-Applicant or Co-Borrower: 5; Ethnicity of Co-Applicant or Co-Borrower: Free Form Text Field for Other Hispanic or Latino.
An invalid 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 Co-Applicant or Co-Borrower: 5 must equal 1, 11, 12, 13, 14, 2, or be left blank.
3) Each Ethnicity of Co-Applicant or Co-Borrower code can only be reported once.
4) If Ethnicity of Co-Applicant or Co-Borrower: 1 equals 3, 4, or 5; then Ethnicity of Co-Applicant or Co-Borrower: 2; Ethnicity of Co-Applicant or Co-Borrower: 3 ; Ethnicity of Co-Applicant or Co-Borrower: 4; Ethnicity of Co-Applicant or Co-Borrower: 5 must be left blank.
Fields: Ethnicity of Co-Applicant or Co-Borrower: 1; Ethnicity of Co-Applicant or Co-Borrower: 2; Ethnicity of Co-Applicant or Co-Borrower: 3; Ethnicity of Co-Applicant or Co-Borrower: 4; Ethnicity of Co-Applicant or Co-Borrower: 5; Ethnicity of Co-Applicant or Co-Borrower Collected on the Basis of Visual Observation or Surname; Ethnicity of Co-Applicant or Co-Borrower: Free Form Text Field for Other Hispanic or Latino
An invalid 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 Co-Borrower: 3; Ethnicity of Co-Applicant or Co-Borrower: 4; Ethnicity of Co-Applicant or Co-Borrower: 5 must all be left blank.
3) If Ethnicity of Co-Applicant or Co-Borrower Collected on the Basis of Visual Observation or Surname equals 2 ; then 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.
How to clear it (our summary): Condition 1: Report Ethnicity of Co-Applicant or Co-Borrower Collected on the Basis of Visual Observation or Surname as 1, 2, 3, or 4. It cannot be blank.
Fields: Ethnicity of Co-Applicant or Co-Borrower: 1; Ethnicity of Co-Applicant or Co-Borrower Collected on the Basis of Visual Observation or Surname
An invalid Ethnicity data field was reported. Please review the information below and update your file accordingly.
1) If Ethnicity of Co-Applicant or Co-Borrower: 1 equals 4, then Ethnicity of Co-Applicant or Co-Borrower Collected on the Basis of Visual Observation or Surname must equal 3.
Fields: Ethnicity of Co-Applicant or Co-Borrower: 1; Ethnicity of Co-Applicant or Co-Borrower Collected on the Basis of Visual Observation or Surname
An invalid Ethnicity data field was reported. Please review the information below and update your file accordingly.
1) If Ethnicity of Co-Applicant or Co-Borrower: 1 equals 5, then Ethnicity of Co-Applicant or Co-Borrower Collected on the Basis of Visual Observation or Surname must equal 4, and the reverse must be true.
Fields: Race of Applicant or Borrower: 1; Race of Applicant or Borrower: 2; Race of Applicant or Borrower: 3; Race of Applicant or Borrower: 4; Race of Applicant or Borrower: 5; Race of Applicant or Borrower: Free Form Text Field for American Indian or Alaska Native Enrolled or Principal Tribe; Race of Applicant or Borrower: Free Form Text Field for Other Asian; Race of Applicant or Borrower: Free Form Text Field for Other Pacific Islander
An invalid Race data field was reported. Please review the information below and update your file accordingly.
1) Race of Applicant or Borrower: 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.
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
An invalid Race data field was reported. Please review the information below and update your file accordingly.
1) Race of Applicant or Borrower Collected on the Basis of Visual Observation or Surname must equal 1, 2, or 3, and cannot be left blank.
2) If R ace of Applicant or Borrower Collected on the Basis of Visual Observation or Surname equals 1; then Race of Applicant or Borrower: 1 must equal 1, 2, 3, 4, or 5, and Race of Applicant or Borrower: 2; Race of Applicant or Borrower: 3; Race of Applicant or Borrower: 4; Race of Applicant or Borrower: 5 must equal 1, 2, 3, 4, or 5, or be left blank.
3) If Race of Applicant or Borrower Collected on the Basis of Visual Observation or Surname equals 2, Race of Applicant or Borrower: 1 must equal 1, 2, 21, 22, 23, 24, 25, 26, 27, 3, 4, 41, 42, 43, 44, 5, or 6, and cannot be left blank, unless a race is provided in Race of Applicant or Borrower: Free Form Text Field for American Indian or Alaska Native Enrolled or Principal Tribe , Race of Applicant or Borrower: Free Form Text Field for Other Asian, or Race of Applicant or Borrower: Free Form Text Field for Other Pacific Islander ; and Race of Applicant or Borrower: 2; Race of Applicant or Borrower: 3; Race of Applicant or Borrower: 4; Race of Applicant or Borrower: 5 must equal 1, 2, 21, 22, 23, 24, 25, 26, 27, 3, 4, 41, 42, 43, 44, 5, or be left blank.
How to clear it (our summary): Condition 1: Report Race of Applicant or Borrower Collected on the Basis of Visual Observation or Surname as 1, 2, or 3. It cannot be blank.
Fields: Race of Applicant or Borrower: 1; Race of Applicant or Borrower Collected on the Basis of Visual Observation or Surname
An invalid Race data field was reported. Please review the information below and update your file accordingly.
1) If Race of Applicant or Borrower: 1 equals 7, then Race of Applicant or Borrower Collected on the Basis of Visual Observation or Surname must equal 3.
Fields: Race of Co-Applicant or Co-Borrower: 1; Race of Co-Applicant or Co-Borrower: 2; Race of Co-Applicant or Co-Borrower: 3; Race of Co-Applicant or Co-Borrower: 4; Race of Co-Applicant or Co-Borrower: 5; Race of Co-Applicant or Co-Borrower: Free Form Text Field for American Indian or Alaska Native Enrolled or Principal Tribe; Race of Co-Applicant or Co-Borrower: Free Form Text Field for Other Asian; Race of Co-Applicant or Co-Borrower: Free Form Text Field for Other Pacific Islander
An invalid 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 Co-Borrower: Free Form Text Field for American Indian or Alaska Native Enrolled or Principal Tribe , Race of Co-Applicant or Co-Borrower: Free Form Text Field for Other Asian, or Race of Co-Applicant or Co-Borrower: Free Form Text Field for Other Pacific Islander.
2) Race of Co-Applicant or Co-Borrower: 2; Race of Co-Applicant or Co-Borrower: 3; Race of Co-Applicant or Co-Borrower: 4; Race of Co-Applicant or Co-Borrower: 5 must equal 1, 2, 21, 22, 23, 24, 25, 26, 27, 3, 4, 41, 42, 43, 44, 5, or be left blank.
3) Each Race of Co-Applicant or Co-Borrower code can only be reported once.
4) If Race of Co-Applicant or Co-Borrower: 1 equals 6, 7, or 8, then Race of Co-Applicant or Co-Borrower: 2 ;Race of Co-Applicant or Co-Borrower: 3;Race of Co-Applicant or Co-Borrower: 4;and Race of Co-Applicant or Co-Borrower: 5 must be left blank.
Fields: Race of Co-Applicant or Co-Borrower: 1; Race of Co-Applicant or Co-Borrower: 2; Race of Co-Applicant or Co-Borrower: 3; Race of Co-Applicant or Co-Borrower: 4; Race of Co-Applicant or Co-Borrower: 5; Race of Co-Applicant or Co-Borrower Collected on the Basis of Visual Observation or Surname; Race of Co-Applicant or Co-Borrower: Free Form Text Field for American Indian or Alaska Native Enrolled or Principal Tribe; Race of Co-Applicant or Co-Borrower: Free Form Text Field for Other Asian; Race of Co-Applicant or Co-Borrower: Free Form Text Field for Other Pacific Islander
An invalid Race data field was reported. Please review the information below and update your file accordingly.
1) Race of Co-Applicant or Co-Borrower Collected on the Basis of Visual Observation or Surname must equal 1, 2, 3, or 4, and cannot be left blank.
2) If Race of Co-Applicant or Co-Borrower Collected on the Basis of Visual Observation or Surname equals 1, then Race of Co-Applicant or Co-Borrower: 1 must equal 1, 2, 3, 4, or 5; and Race of Co-Applicant or Co-Borrower: 2; Race of Co-Applicant or Co-Borrower: 3; Race of Co-Applicant or Co-Borrower: 4; Race of Co-Applicant or Co-Borrower: 5 must equal 1, 2, 3, 4, or 5, or be left blank.
3) If Race of Co-Applicant or Co-Borrower Collected on the Basis of Visual Observation or Surname equals 2, then Race of Co-Applicant or Co-Borrower: 1 must equal 1, 2, 21, 22, 23, 24, 25, 26, 27, 3, 4, 41, 42, 43, 44, 5, or 6, and cannot be left blank, unless a race is provided in Race of Co-Applicant or Co-Borrower: Free Form Text Field for American Indian or Alaska Native Enrolled or Principal Tribe , Race of Co-Applicant or Co-Borrower: Free Form Text Field for Other Asian, or Race of Co-Applicant or Co-Borrower: Free Form Text Field for Other Pacific Islander ; and Race of Co-Applicant or Co-Borrower: 2; Race of Co-Applicant or Co-Borrower: 3; Race of Co-Applicant or Co-Borrower: 4; Race of Co-Applicant or Co-Borrower: 5 must equal 1, 2, 21, 22, 23, 24, 25, 26, 27, 3, 4, 41, 42, 43, 44, 5, or be left blank.
How to clear it (our summary): Condition 1: Report Race of Co-Applicant or Co-Borrower Collected on the Basis of Visual Observation or Surname as 1, 2, 3, or 4. It cannot be blank.
Fields: Race of Co-Applicant or Co-Borrower: 1; Race of Co-Applicant or Co-Borrower Collected on the Basis of Visual Observation or Surname
An invalid Race data field was reported. Please review the information below and update your file accordingly.
1) If Race of Co-Applicant or Co-Borrower: 1 equals 7, then Race of Co-Applicant or Co-Borrower Collected on the Basis of Visual Observation or Surname must equal 3.
Fields: Race of Co-Applicant or Co-Borrower: 1; Race of Co-Applicant or Co-Borrower Collected on the Basis of Visual Observation or Surname
An invalid Race data field was reported. Please review the information below and update your file accordingly.
1) If Race of Co-Applicant or Co-Borrower: 1 equals 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.
Fields: Sex of Applicant or Borrower; Sex of Applicant or Borrower Collected on the Basis of Visual Observation or Surname
An invalid Sex data field was reported. Please review the information below and update your file accordingly.
1) 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.
How to clear it (our summary): Condition 1: Report Sex of Applicant or Borrower as 1, 2, 3, 4, or 6. It cannot be blank. Condition 2: Report Sex of Applicant or Borrower Collected on the Basis of Visual Observation or Surname as 1, 2, or 3. It cannot be blank.
Fields: Sex of Applicant or Borrower; Sex of Applicant or Borrower Collected on the Basis of Visual Observation or Surname
An invalid Sex data fieldwas reported. Please review the information below and update your file accordingly.
1) If Sex of Applicant or Borrower Collected on the Basis of Visual Observation or Surname equals 1, then Sex of Applicant or Borrower must equal 1 or 2.
Fields: Sex of Applicant or Borrower; Sex of Applicant or Borrower Collected on the Basis of Visual Observation or Surname
An invalid Sex data field was reported. Please review the information below and update your file accordingly.
1) If Sex of Applicant or Borrower Collected on the Basis of Visual Observation or Surname equals 2, then Sex of Applicant or Borrower must equal 1, 2, 3, or 6.
2) If Sex of Applicant or Borrower equals 6, then Sex of Applicant or Borrower Collected on the Basis of Visual Observation or Surname must equal 2 or 3.
Fields: Sex of Applicant or Borrower; Sex of Applicant or Borrower Collected on the Basis of Visual Observation or Surname
An invalid Sex data field was reported. Please review the information below and update your file accordingly.
1) If Sex of Applicant or Borrower equals 4, then Sex of Applicant or Borrower Collected on the Basis of Visual Observation or Surname must equal 3.
Fields: Sex of Co-Applicant or Co-Borrower; Sex of Co-Applicant or Co-Borrower Collected on the Basis of Visual Observation or Surname
An invalid Sex data field was reported. Please review the information below and update your file accordingly.
1) 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.
How to clear it (our summary): Condition 1: Report Sex of Co-Applicant or Co-Borrower as 1, 2, 3, 4, 5, or 6. It cannot be blank. Condition 2: Report Sex of Co-Applicant or Co-Borrower Collected on the Basis of Visual Observation or Surname as 1, 2, 3, or 4. It cannot be blank.
Fields: Sex of Co-Applicant or Co-Borrower; Sex of Co-Applicant or Co-Borrower Collected on the Basis of Visual Observation or Surname
An invalid Sex data field was reported. Please review the information below and update your file accordingly.
1) If Sex of Co-Applicant or Co-Borrower Collected on the Basis of Visual Observation or Surname equals 1, then Sex of Co-Applicant or Co-Borrower must equal 1 or 2.
Fields: Sex of Co-Applicant or Co-Borrower; Sex of Co-Applicant or Co-Borrower Collected on the Basis of Visual Observation or Surname
An invalid Sex data field was reported. Please review the information below and update your file accordingly.
1) If S ex of Co-Applicant or Co-Borrower Collected on the Basis of Visual Observation or Surname equals 2, then Sex of Co-Applicant or Co-Borrower must equal 1, 2, 3, or 6.
2) If Sex of Co-Applicant or Co-Borrower equals 6, then Sex of Co-Applicant or Co-Borrower Collected on the Basis of Visual Observation or Surname must equal 2 or 3.
Fields: Sex of Co-Applicant or Co-Borrower; Sex of Co-Applicant or Co-Borrower Collected on the Basis of Visual Observation or Surname
An invalid Sex data field was reported. Please review the information below and update your file accordingly.
1) If Sex of Co-Applicant or Co-Borrower equals 4, then Sex of Co-Applicant or Co-Borrower Collected on the Basis of Visual Observation or Surname must equal 3.
Fields: Sex of Co-Applicant or Co-Borrower; Sex of Co-Applicant or Co-Borrower Collected on the Basis of Visual Observation or Surname
An invalid Sex data field was reported. Please review the information below and update your file accordingly.
1) If Sex of Co-Applicant or Co-Borrower Collected on the Basis of Visual Observation or Surname equals 4, then Sex of Co-Applicant or Co-Borrower must equal 5, and the reverse must be true.
Fields: Age of Applicant or Borrower; Ethnicity of Applicant or Borrower 1; Race of Applicant or Borrower 1; Sex of Applicant or Borrower
An invalid Age of Applicant or Borrower was reported. Please review the information below and update your file accordingly.
1) Age of Applicant or Borrower must be a whole number greater than zero, and cannot be left blank.
2) If the Ethnicity of Applicant or Borrower: 1 equals 4; and Race of Applicant or Borrower: 1 equals 7; Sex of Applicant or Borrower equals 4; and Action Taken does not equal 6, indicating the applicant or borrower is a non-natural person, then Age of Applicant or Borrower must equal 8888.
How to clear it (our summary): Condition 1: Report Age of Applicant or Borrower as a whole number greater than zero. It cannot be blank.
Fields: Age of Co-Applicant or Co-Borrower; Ethnicity of Co-Applicant or Co-Borrower 1; Race of Co-Applicant or Co-Borrower 1; Sex of Co-Applicant or Co-Borrower
An invalid Age of Co-Applicant or Co-Borrower was reported. Please review the information below and update your file accordingly.
1) Age of Co-Applicant or Co-Borrower must be a whole number greater than zero, and cannot be left blank.
2) If the Ethnicity of Co-Applicant or Co-Borrower: 1 equals 4; and Race of Co-Applicant or Co-Borrower: 1 equals 7 ; and Sex of Co-Applicant or Co-Borrower: 1 equals 4; and Action Taken does not equal 6, indicating that the co-applicant or co-borrower is a non-natural person, then Age of Co-Applicant or Co-Borrower must equal 8888.
How to clear it (our summary): Condition 1: Report Age of Co-Applicant or Co-Borrower as a whole number greater than zero. It cannot be blank.
Fields: Income; Multifamily Affordable Units
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.
How to clear it (our summary): Condition 1: Report Income as a positive or negative integer rounded to the nearest thousand or NA. It cannot be blank.
Fields: Income; Ethnicity of Applicant or Borrower: 1; Race of Applicant or Borrower: 1; Sex of Applicant or Borrower: 1; Ethnicity of Co-Applicant or Co-Borrower: 1; Race of Co-Applicant or Co-Borrower: 1; Sex of Co-Applicant or Co-Borrower: 1
An 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.
Fields: Type of Purchaser; Action Taken
An invalid Type of Purchaser was reported. Please review the information below and update your file accordingly.
1) Type of Purchaser must equal 0, 1, 2, 3, 4, 5, 6, 71, 72, 8, or 9, and cannot be left blank.
2) If Action Taken equals 2, 3, 4, 5, 7, or 8, then Type of Purchaser must equal 0.
How to clear it (our summary): Condition 1: Report Type of Purchaser as 0, 1, 2, 3, 4, 5, 6, 71, 72, 8, or 9. It cannot be blank.
Fields: Rate Spread; Action Taken; Reverse Mortgage
An invalid Rate Spread was reported. Please review the information below and update your file accordingly.
1) Rate Spread must be a number, Exempt, or NA, and cannot be left blank.
2) If Action Taken equals 3, 4, 5, 6, or 7, then Rate Spread must be NA or Exempt.
3) If Reverse Mortgage equals 1, then Rate Spread must be NA or Exempt.
How to clear it (our summary): Condition 1: Report Rate Spread as a number, Exempt, or NA. It cannot be blank.
Fields: HOEPA Status; Action Taken
An invalid HOEPA Status was reported. Please review the information below and update your file accordingly.
1) HOEPA Status must equal 1, 2, or 3, and cannot be left blank.
2) If Action Taken equals 2, 3, 4, 5, 7, or 8, then HOEPA Status must be 3.
How to clear it (our summary): Condition 1: Report HOEPA Status as 1, 2, or 3. It cannot be blank.
Fields: Lien Status
An invalid Lien Status was reported. Please review the information below and update your file accordingly.
1) Lien Status must equal 1 or 2, and cannot be left blank.
How to clear it (our summary): Report Lien Status as 1 or 2. It cannot be blank.
Fields: Credit Score of Applicant or Borrower; Applicant or Borrower, Name and Version of Credit Scoring Model
An invalid Credit Score data field was reported. Please review the information below and update your file accordingly.
1) Credit Score of Applicant or Borrower must be a number, and cannot be left blank.
2) Applicant or Borrower, Name and Version of Credit Scoring Model must equal 1111, 1, 2, 3, 4, 5, 6, 7, 8, 9, 11, 12, 13, 14 or 15.
How to clear it (our summary): Condition 1: Report Credit Score of Applicant or Borrower as a number. It cannot be blank.
Fields: Credit Score of Applicant or Borrower; Applicant or Borrower, Name and Version of Credit Scoring Model
An invalid Credit Score data field was reported. Please review the information below and update your file accordingly.
1) If Credit Score of Applicant or Borrower equals 8888, indicating not applicable, then Applicant or Borrower, Name and Version of Credit Scoring Model must equal 9, and the reverse must be true.
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
An invalid Credit Score data field was reported. Please review the information below and update your file accordingly.
1) If Applicant or Borrower, Name and Version of Credit Scoring Model equals 1111, 1, 2, 3, 4, 5, 6, 7, 9,11, 12, 13, 14 or 15, 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.
Fields: Action Taken; Credit Score of Applicant or Borrower; Applicant or Borrower, Name and Version of Credit Scoring Model; Applicant or Borrower, Name and Version of Credit Scoring Model: Conditional Free Form Text Field for Code 8
An invalid Credit 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.
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
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
Fields: Credit Score of Co-Applicant or Co-Borrower; Co-Applicant or Co-Borrower, Name and Version of Credit Scoring Model
An invalid Credit Score data field was reported. Please review the information below and update your file accordingly.
1) Credit Score of Co-Applicant or Co-Borrower must be a number, and cannot be left blank.
2) Co-Applicant or Co-Borrower, Name and Version of Credit Scoring Model must equal 1111, 1, 2, 3, 4, 5, 6, 7, 8, 9, 10,11, 12, 13, 14 or 15 and cannot be left blank.
How to clear it (our summary): Condition 1: Report Credit Score of Co-Applicant or Co-Borrower as a number. It cannot be blank. Condition 2: Report Co-Applicant or Co-Borrower, Name and Version of Credit Scoring Model as 1111, 1, 2, 3, 4, 5, 6, 7, 8, 9, 10,11, 12, 13, 14 or 15. It cannot be blank.
Fields: Credit Score of Co-Applicant or Co-Borrower; Co-Applicant or Co-Borrower, Name and Version of Credit Scoring Model
An invalid Credit Score data field was reported. Please review the information below and update your file accordingly.
1) If Credit Score of Co-Applicant or Co-Borrower equals 8888, indicating not applicable, then Co-Applicant or Co-Borrower, Name and Version of Credit Scoring Model must equal 9, and the reverse must be true.
2) If Credit Score of Co-Applicant or Co-Borrower equals 9999 indicating no co-applicant, then Co-Applicant or Co-Borrower, Name and Version of Credit Scoring Model must equal 10, and the reverse must be true.
Fields: Co-Applicant or Co-Borrower,Name and Version of Credit Scoring Model; Co-Applicant or Co-Borrower, Name and Version of Credit Scoring Model: Conditional Free Form Text Field for Code 8
An invalid Credit Score data field was reported. Please review the information below and update your file accordingly.
1) If Co-Applicant or Co-Borrower, Name and Version of Credit Scoring Model equals 1111, 1, 2, 3, 4, 5, 6, 7, 9, 10,11, 12, 13, 14, or 15 then Co-Applicant or Co-Borrower, Name and Version of Credit Scoring Model: Conditional Free Form Text Field for Code 8 must be left blank, and the reverse must be true.
2) If Co-Applicant or Co-Borrower, Name and Version of Credit Scoring Model equals 8, then Co-Applicant 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.
Fields: Credit Score of Applicant or Borrower; Credit Score of Co-Applicant or Co-Borrower; Ethnicity of Applicant or Borrower 1; Race of Applicant or Borrower 1; Sex of Applicant or Borrower; Ethnicity of Co-Applicant or Co-Borrower 1; Race of Co-Applicant or Co-Borrower 1; Sex of Co-Applicant or Co-Borrower
An invalid Credit 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 E thnicity of Co-Applicant or Co-Borrower: 1 equals 4; and Race of Co-Applicant or Co-Borrower: 1 equals 7; and Sex of Co-Applicant or Co-Borrower equals 4 indicating that the co-applicant is a non-natural person, then Credit Score of Co-Applicant or Co-Borrower must equal 8888, indicating not applicable, or 1111.
Fields: Reason for Denial: 1; Reason for Denial: 2; Reason for Denial: 3; Reason for Denial: 4
An invalid Reason for Denial data field was reported. Please review the information below and update your file accordingly.
1) Reason for Denial: 1 must equal 1111, 1, 2, 3, 4, 5, 6, 7, 8, 9, or 10, and cannot be left blank.
2) Reason for Denial: 2; Reason for Denial: 3 ; and Reason for Denial: 4 must equal 1, 2, 3, 4, 5, 6, 7, 8, 9, or be left blank.
3) Each Reason for 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.
How to clear it (our summary): Condition 1: Report Reason for Denial: 1 as 1111, 1, 2, 3, 4, 5, 6, 7, 8, 9, or 10. It cannot be blank.
Fields: Action Taken; Reason for Denial: 1
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.
2) If Reason for Denial: 1 equals 1, 2, 3, 4, 5, 6, 7, 8, or 9, then Action Taken must equal 3 or 7.
2) If Action Taken equals 1, 2, 4, 5, 6, or 8, then Reason for Denial: 1 must equal 1111 or 10.
4) If Reason for Denial: 1 equals 10, then Action Taken must equal 1, 2, 4, 5, 6, or 8.
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
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.
Fields: Total Loan Costs; Total Points and Fees; Action Taken; Reverse Mortgage; Open-End Line of Credit; Business or Commercial Purpose
An invalid Total Loan Costs or Total Points and Fees data field was reported. Please review the information below and update your file accordingly.
1) Total Loan 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.
How to clear it (our summary): Condition 1: Report Total Loan Costs as a number greater than or equal to 0, NA, or Exempt. It cannot be blank.
Fields: Total Points and Fees; Action Taken; Reverse Mortgage; Business or Commercial Purpose
An invalid Total Points and Fees was reported. Please review the information below and update your file accordingly.
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.
How to clear it (our summary): Condition 1: Report Total Points and Fees as a number greater than or equal to 0, Exempt, or NA. It cannot be blank.
Fields: Origination Charges; Reverse Mortgage; Open-End Line of Credit; Business or Commercial Purpose; Action Taken
An invalid Origination Charges was reported. Please review the information below and update your file accordingly.
1) Origination Charges must be a number greater than or equal to 0, Exempt, or NA, and cannot be left blank.
2) If Reverse Mortgage equals 1, then Origination Charges must be NA or Exempt.
3) If Open-End Line of Credit equals 1, then Origination Charges must be NA or Exempt.
4) If Business or Commercial Purpose equals 1, then Origination Charges must be NA or Exempt.
5) If Action Taken equals 2, 3, 4, 5, 7, or 8, then Origination Charges must be NA or Exempt.
How to clear it (our summary): Condition 1: Report Origination Charges as a number greater than or equal to 0, Exempt, or NA. It cannot be blank.
Fields: Discount Points; Reverse Mortgage; Open-End Line of Credit; Business or Commercial Purpose; Action Taken
An invalid Discount Points was reported. Please review the information below and update your file accordingly.
1) Discount 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.
Fields: Lender Credits; Reverse Mortgage; Open-End Line of Credit; Business or Commercial Purpose; Action Taken
An invalid Lender Credits was reported. Please review the information below and update your file accordingly.
1) Lender Credits must be a number greater than 0, blank, Exempt, or NA.
2) If Reverse Mortgage equals 1, 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.
Fields: Interest Rate; Action Taken
An invalid Interest Rate was reported. Please review the information below and update your file accordingly.
1) Interest Rate must be a number greater than or equal to 0, Exempt, or NA, and cannot be left blank.
2) If Action Taken equals 3, 4, 5, or 7; then Interest Rate must be NA or Exempt.
How to clear it (our summary): Condition 1: Report Interest Rate as a number greater than or equal to 0, Exempt, or NA. It cannot be blank.
Fields: Prepayment Penalty Term; Action Taken; Reverse Mortgage; Business or Commercial Purpose; Loan Term
An invalid Prepayment Penalty Term was reported. Please review the information below and update your file accordingly.
1) Prepayment Penalty Term must be a whole number greater than 0, Exempt, or NA, and cannot be left blank.
2) If Action Taken equals 6, then Prepayment Penalty Term must be NA or Exempt.
3) If Reverse Mortgage equals 1, then Prepayment Penalty Term must be NA or Exempt.
4) If Business or Commercial 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.
How to clear it (our summary): Condition 1: Report Prepayment Penalty Term as a whole number greater than 0, Exempt, or NA. It cannot be blank.
Fields: Debt-to-Income Ratio, Multifamily Affordable Units, Action Taken
An invalid Debt-to-Income Ratio was reported. Please review the information below and update your file accordingly.
1) Debt-to-Income Ratio must be a number, Exempt, or NA, and cannot be left blank.
2) If Action Taken equals 4, 5, or 6, then Debt-to-Income Ratio must be NA or Exempt.
3) If Multifamily Affordable Units is a number, then Debt-to-Income Ratio must be NA or Exempt.
How to clear it (our summary): Condition 1: Report Debt-to-Income Ratio as a number, Exempt, or NA. It cannot be blank.
Fields: Debt-to-Income Ratio; Ethnicity of Applicant or Borrower: 1; Race of Applicant or Borrower: 1; Sex of Applicant or Borrower: 1; Ethnicity of Co-Applicant or Co-Borrower: 1; Race of Co-Applicant or Co-Borrower: 1; Sex of Co-Applicant or Co-Borrower: 1
An invalid Debt-to-Income Ratio was reported. Please review the information below and update your file accordingly.
1) If Ethnicity of Applicant or Borrower: 1 equals 4; and Race of Applicant or Borrower: 1 equals 7; and Sex of Applicant or Borrower: 1 equals 4 indicating the applicant or borrower is a non-natural person; and the Ethnicity of Co-Applicant or Co-Borrower: 1 equals 5; and Race of Co-Applicant or Co-Borrower: 1 equals 8; and Sex of Co-Applicant or Co-Borrower: 1 equals 5 indicating that there is no co-applicant or co-borrower, then Debt-to-Income 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 co-borrower is also a non-natural person, then Debt-to-Income Ratio must be NA or Exempt.
Fields: Combined Loan-to-Value Ratio; Action Taken
An invalid Combined Loan-to-Value Ratio was reported. Please review the information below and update your file accordingly.
1) Combined Loan-to-Value 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.
How to clear it (our summary): Condition 1: Report Combined Loan-to-Value Ratio as a number greater than 0, Exempt, or NA. It cannot be blank.
Fields: Loan Term; Reverse Mortgage
An invalid Loan Term was reported. Please review the information below and update your file accordingly.
1) Loan Term must be a whole number greater than zero, Exempt, or NA, and cannot be left blank.
2) If Reverse Mortgage equals 1, then Loan Term must be NA or Exempt.
How to clear it (our summary): Condition 1: Report Loan Term as a whole number greater than zero, Exempt, or NA. It cannot be blank.
Fields: Introductory Rate Period
An invalid Introductory Rate Period was reported. Please review the information below and update your file accordingly.
1) Introductory Rate Period must be a whole number greater than zero, Exempt, or NA, and cannot be left blank.
How to clear it (our summary): Report Introductory Rate Period as a whole number greater than zero, Exempt, or NA. It cannot be blank.
Fields: Balloon Payment
An invalid Balloon Payment was reported. Please review the information below and update your file accordingly.
1) Balloon Payment must equal 1111, 1, or 2, and cannot be left blank.
How to clear it (our summary): Report Balloon Payment as 1111, 1, or 2. It cannot be blank.
Fields: Interest-Only Payments
An invalid Interest Only Payments was reported. Please review the information below and update your file accordingly.
1) Interest Only Payments must equal 1111, 1, or 2, and cannot be left blank.
How to clear it (our summary): Report Interest Only Payments as 1111, 1, or 2. It cannot be blank.
Fields: Negative Amortization
An invalid Negative Amortization was reported. Please review the information below and update your file accordingly.
1) Negative Amortization must equal 1111, 1, or 2, and cannot be left blank.
How to clear it (our summary): Report Negative Amortization as 1111, 1, or 2. It cannot be blank.
Fields: Other Non-amortizing Features
An invalid Other Non-amortizing Features was reported. Please review the information below and update your file accordingly.
1) Other Non-amortizing Features must equal 1111, 1, or 2, and cannot be left blank.
How to clear it (our summary): Report Other Non-amortizing Features as 1111, 1, or 2. It cannot be blank.
Fields: Property Value; Action Taken
An invalid Property Value was reported. Please review the information below and update your file accordingly.
1) Property Value must be a number greater than 0, Exempt, or NA, and cannot be left blank.
2) If Action Taken equals 4 or 5, then Property Value must be NA or Exempt.
How to clear it (our summary): Condition 1: Report Property Value as a number greater than 0, Exempt, or NA. It cannot be blank.
Fields: Manufactured Home Secured Property Type; Multifamily Affordable Units; Construction Method
An invalid Manufactured Home Secured Property Type was reported. Please review the information below and update your file accordingly.
1) Manufactured Home Secured Property Type must equal 1111, 1, 2, or 3, and cannot be left blank.
2) If Multifamily Affordable 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.
How to clear it (our summary): Condition 1: Report Manufactured Home Secured Property Type as 1111, 1, 2, or 3. It cannot be blank.
Fields: Manufactured Home Land Property Interest; Multifamily Affordable Units; Construction Method
An invalid Manufactured Home Land Property Interest was reported. Please review the information below and update your file accordingly.
1) Manufactured Home Land Property Interest must equal 1111, 1, 2, 3, 4, or 5, and cannot be left blank. 2 If Multifamily Affordable 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.
Fields: Total Units
An invalid Total Units was reported. Please review the information below and update your file accordingly.
1) Total Units must be a whole number greater than 0, and cannot be left blank.
How to clear it (our summary): Report Total Units as a whole number greater than 0. It cannot be blank.
Fields: Multifamily Affordable Units; Total Units
An invalid Multifamily Affordable Units was reported. Please review the information below and update your file accordingly.
1) Multifamily Affordable Units must be a whole number, Exempt, or NA, and cannot be left blank.
2) If Total Units is less than 5, then Multifamily Affordable Units must be NA or Exempt.
3) If Total Units is greater than or equal to 5, then Multifamily Affordable Units must be less than or equal to Total Units, NA or Exempt.
How to clear it (our summary): Condition 1: Report Multifamily Affordable Units as a whole number, Exempt, or NA. It cannot be blank.
Fields: Submission of Application; Action Taken
An invalid Application Channel data field was reported. Please review the information below and update your file accordingly.
1) Submission of Application must equal 1111, 1, 2, or 3, and cannot be left blank.
2) If 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.
How to clear it (our summary): Condition 1: Report Submission of Application as 1111, 1, 2, or 3. It cannot be blank.
Fields: Initially Payable to Your Institution; Action Taken
An invalid Application Channel data field was reported. Please review the information below and update your file accordingly.
1) Initially Payable to Your 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.
How to clear it (our summary): Condition 1: Report Initially Payable to Your Institution as 1111, 1, 2, or 3. It cannot be blank.
Fields: Mortgage Loan Originator NMLSR Identifier
An invalid NMLSR Identifier was reported. Please review the information below and update your file accordingly.
1) NMLSR Identifier must be a valid NMLSR ID in integer format, NA, or Exempt, and cannot be left blank.
2) NMLSR Identifier must not contain only the number zero (0) as a value.
3) NMLSR Identifier must be four to seven digits and must not exceed 3000000.
How to clear it (our summary): Condition 1: Report NMLSR Identifier as a valid NMLSR ID in integer format, NA, or Exempt. It cannot be blank.
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
An invalid Automated Underwriting System data field was reported. Please review the information below and update your file accordingly.
1) Automated Underwriting System: 1 must equal 1111, 1, 2, 3, 4, 5, 6, or 7 and cannot be left blank. Automated Underwriting System: 2; Automated Underwriting System: 3; Automated Underwriting System: 4 ; and Automated Underwriting System: 5 must equal 1, 2, 3, 4, 5, 7 or be left blank.
2) Automated Underwriting System Result: 1 must equal 1111, 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23, or 24 and cannot be left blank. Automated Underwriting System Result: 2; Automated Underwriting System Result: 3; Automated Underwriting System Result: 4 ; and Automated Underwriting System Result: 5 must equal 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 18, 19, 20, 21, 22, 23, 24 or be left blank.
3) The number of reported Automated Underwriting Systems must equal the number of reported Automated Underwriting System Results.
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
An invalid Automated Underwriting System data field was reported. Please review the information below and update your file accordingly.
1) If Automated Underwriting System: 1; Automated Underwriting System: 2; Automated Underwriting System: 3; Automated Underwriting System: 4; or Automated Underwriting System: 5 equals 5, then the corresponding Automated Underwriting System Result: 1; Automated Underwriting System Result: 2; Automated Underwriting System Result: 3; Automated Underwriting System Result: 4 ; or Automated Underwriting System Result: 5 must equal 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 18, 19, 20, 21, 22, 23 or 24.
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
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.
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
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.
Fields: Automated Underwriting System: 1; Automated Underwriting System: 2; Automated Underwriting System: 3; Automated Underwriting System: 4; Automated Underwriting System: 5; Automated Underwriting System: Conditional Free Form Text Field for Code 5
An invalid Automated Underwriting System data field was reported. Please review the information below and update your file accordingly.
1) Automated Underwriting System: 1; Automated Underwriting System: 2; Automated Underwriting System: 3; Automated Underwriting System: 4; or Automated Underwriting System: 5 was reported Code 5: Other. However, the Automated Underwriting System: Conditional Free Form Text Field for Code 5 was left blank; or
2) The Automated Underwriting System: Conditional Free Form Text Field for Code 5 was reported, but Code 5 was not reported in Automated Underwriting System: 1; Automated Underwriting System: 2; Automated Underwriting System: 3; Automated Underwriting System: 4; or Automated Underwriting System: 5.
Fields: Automated Underwriting System Result: 1; Automated Underwriting System Result: 2; Automated Underwriting System Result: 3; Automated Underwriting System Result: 4; Automated Underwriting System Result: 5; Automated Underwriting System Result: Conditional Free Form Text Field for Code 16
An invalid Automated Underwriting System Result data field was reported. Please review the information below and update your file accordingly.
1) Automated Underwriting System Result: 1; Automated Underwriting System Result: 2; Automated Underwriting System Result: 3; Automated Underwriting System Result: 4 ; or Automated Underwriting System Result: 5 was reported Code 16: Other. However, the Automated Underwriting System Result: Conditional Free Form Text Field for Code 16 was left blank; or
2) The Automated Underwriting System Result: Conditional Free Form Text Field for Code 16 was reported, but Code 16 was not reported in Automated Underwriting System Result: 1; Automated Underwriting System Result: 2; Automated Underwriting System Result: 3; Automated Underwriting System Result: 4; or Automated Underwriting System Result: 5 .
Fields: Action Taken; Automated Underwriting System: 1; Automated Underwriting System Result: 1
An invalid Automated Underwriting System data field was reported. Please review the information below and update your file accordingly.
1) If Action Taken equals 6, then Automated Underwriting System: 1 must equal 1111 or 6.
2) If Action Taken equals 6, then Automated Underwriting System Result: 1 must equal 1111 or 17.
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 Co-Applicant or Co-Borrower: 1; Race of Co-Applicant or Co-Borrower: 1; Sex of Co-Applicant or Co-Borrower: 1
An invalid Automated Underwriting System data field was reported. Please review the information below and update your file accordingly.
1) If Ethnicity of Applicant or Borrower: 1 equals 4; and Race of Applicant or Borrower: 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 co-borrower, then Automated Underwriting System: 1 must equal 1111 or 6; and Automated Underwriting System Result: 1 must equal 1111 or 17.
2) If the Ethnicity of Applicant or Borrower: 1 equals 4; and Race of Applicant or Borrower: 1 equals 7; and Sex of Applicant or Borrower: 1 equals 4 indicating the applicant or borrower is a non-natural person; and Ethnicity of Co-Applicant or Co-Borrower: 1 equals 4; and Race of Co-Applicant or Co-Borrower: 1 equals 7; and Sex of Co-Applicant or Co-Borrower: 1 equals 4 indicating that the co-applicant or co-borrower is also a non-natural person, then Automated Underwriting System: 1 must equal 1111 or 6; and Automated Underwriting System Result: 1 must equal 1111 or 17.
Fields: Reverse Mortgage
An invalid Reverse Mortgage was reported. Please review the information below and update your file accordingly.
1) Reverse Mortgage must equal 1111, 1, or 2, and cannot be left blank.
How to clear it (our summary): Report Reverse Mortgage as 1111, 1, or 2. It cannot be blank.
Fields: Open-End Line of Credit
An invalid Open-End Line of Credit was reported. Please review the information below and update your file accordingly.
1) Open-End Line of Credit must equal 1111, 1, or 2, and cannot be left blank.
How to clear it (our summary): Report Open-End Line of Credit as 1111, 1, or 2. It cannot be blank.
Fields: Business or Commercial Purpose
An invalid Business or Commercial Purpose was reported. Please review the information below and update your file accordingly.
1) Business or Commercial Purpose must equal 1111, 1, or 2, and cannot be left blank.
How to clear it (our summary): Report Business or Commercial Purpose as 1111, 1, or 2. It cannot be blank.
Fields: Street Address; City; Zip Code
An invalid Property Address was reported. Please review the information below and update your file accordingly.
1) If Street Address, City, or Zip Code is reported Exempt, then all three must be reported Exempt.
Fields: Credit Score of Applicant or Borrower; Credit Score of Co-Applicant or Co-Borrower; Applicant or Borrower, Name and Version of Credit Scoring Model; Applicant or Borrower, Name and Version of Credit Scoring Model: Conditional Free Form Text Field for Code 8; Co-Applicant or Co-Borrower, Name and Version of Credit Scoring Model; Co-Applicant or Co-Borrower, Name and Version of Credit Scoring Model: Conditional Free Form Text Field for Code 8
An invalid Credit Score was reported. Please review the information below and update your file accordingly: If the Credit Score exemption election is taken,
1) Credit Score of Applicant or Borrower, Credit Score of Co-Applicant or Co-Borrower, Applicant or Borrower, Name and Version of Credit Scoring Model, and Co-Applicant or Co-Borrower, Name and Version of Credit Scoring Model must be reported 1111; and
2) Applicant or Borrower, Name and Version of Credit Scoring Model: Conditional Free Form Text Field for Code 8 and Co-Applicant or Co-Borrower, Name and Version of Credit Scoring Model: Conditional Free Form Text Field for Code 8 must be left blank.
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
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.
Fields: Total Loan Costs; Total Points and Fees
An invalid Total Loan Costs or Total Points and Fees was reported. Please review the information below and update your file accordingly:
1) If the Total Loan Costs or Total Points and Fees exemption election is taken, Total Loan Costs and Total Points and Fees must be reported Exempt.
Fields: 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.
Fields: Submission of Application; Initially Payable to Your Institution
An invalid Application Channel was reported. Please review the information below and update your file accordingly:
1) If the Application Channel exemption election is taken, Submission of Application and Initially Payable to Your Institution must be reported 1111.
Fields: Balloon Payment; Interest-Only Payments; Negative Amortization; Other Non-amortizing Features
An invalid Non-Amortizing Features was reported. Please review the information below and update your file accordingly:
1) If the Non-Amortizing Features exemption election is taken, Balloon Payment, Interest-Only Payments, Negative Amortization and Other Non-amortizing Features must be reported 1111.
Fields: County; State
An invalid Property Location was reported. Please review the information below and update your file accordingly:
1) The reported State and County are not a valid combination. If neither State nor County were reported NA, then the County must be located within the State.
Fields: Credit Score of Applicant or Borrower; Credit Score of Co-Applicant or Co-Borrower; Applicant or Borrower, Name and Version of Credit Scoring Model; Co-Applicant or Co-Borrower, Name and Version of Credit Scoring Model
An invalid Credit Score was reported. Please review the information below and update your file accordingly:
1) If Applicant or Borrower, Name and Version of Credit Scoring Model is 1, 2, 3, 4, 5, 6, 11, or 12 Credit Score of Applicant or Borrower should be 280 or above.
2) If Co-Applicant or Co-Borrower, Name and Version of Credit Scoring Model is 1, 2, 3, 4, 5, 6, or 11 or 12, Credit Score of Co-Applicant or Co-Borrower should be 280 or above.
3) If Applicant or Borrower, Name and Version of Credit Scoring Model is 13, 14, or 15, Credit Score of Applicant or Borrower must be 300 or above.
4) If Co-Applicant or Co-Borrower, Name and Version of Credit Scoring Model is 13, 14 or 15 Credit Score of Co-Applicant or Co-Borrower must be 300 or above
Fields: Age of Applicant or Borrower; Age of Co-Applicant or Co-Borrower
An invalid Age was reported. Please review the information below and update your file accordingly:
1) If Age of Applicant or Borrower is not 8888, indicating Not Applicable, it must be the applicant or borrower’s age and cannot be 9999 or 1111.
2) If Age of Co-Applicant is not 8888, indicating Not Applicable, or 9999, indicating No Co-Applicant, it must be the co-applicant or co-borrower’s age and cannot be 1111.
Fields: ULI
Please verify the information below and update your file, if needed
1) A duplicate ULI or NULI was reported.
Fields: Application Date; Action Taken Date
Please verify the information below and update your file, if needed.
1) Application Date occurs more than two years prior to Action Taken Date.
Fields: Street Address; City; State; Zip Code
Please verify the information below and update your file, if needed.
1) Street Address was reported NA, but City, State, and Zip Code were provided.
Fields: County; Census Tract
An invalid Census Tract was reported. Please review the information below and update your file accordingly.
1) The County has a population of greater than 30,000 according to the most recent decennial census and was not reported NA; however Census Tract was reported NA.
Fields: Type of Purchaser; Loan Type
Please review the information below and update your file, if needed.
1) If Type of Purchaser equals 1 or 3, then Loan Type generally should equal 1.
2) If Type of Purchaser equals 2, then Loan Type generally should equal 2, 3, or 4.
Fields: Income
Please review the information below and update your file, if needed.
1) If Income is a number, then it generally should be less than $10 million (entered as 10000) .
Fields: Loan Amount; Lien Status
Please review the information below and update your file, if needed.
1) If Lien Status equals 2, then Loan Amount generally should be less than or equal to $250 thousand (entered as 250000) .
Fields: Action Taken; Action Taken Date; Application Date
Please review the information below and update your file, if needed.
1) If Action Taken equals 1, then the Action Taken Date generally should occur after the Application Date.
Fields: Type of Purchaser; Rate Spread
Please review the information below and update your file, if needed.
1) If Type of Purchaser equals 1, 2, 3, or 4, then Rate Spread generally should be less than or equal to 10%, Exempt, or NA.
Fields: Action Taken; Lien Status; Rate Spread; HOEPA Status
Please review the information below and update your file, if needed.
1) If Action Taken equals 1, Lien Status equals 1, and Rate Spread is greater than 6.5%, then HOEPA Status generally should be 1.
Fields: Action Taken; Lien Status; Rate Spread; HOEPA Status
Please review the information below and update your file, if needed.
1) If Action Taken equals 1, Lien Status equals 2, and Rate Spread is greater than 8.5%, then HOEPA Status generally should be 1.
Fields: Type of Purchaser; HOEPA Status
Please review the information below and update your file, if needed.
1) If Type of Purchaser equals 1 or 3, then HOEPA Status generally should be 2 or 3.
Fields: Business or Commercial Purpose; Loan Purpose
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.
Fields: Age of Applicant or Borrower; Age of Co-Applicant or Co-Borrower
Please review the information below and update your file, if needed.
1) The Age of Applicant or Borrower generally should be between 18 and 100 unless the Age of Applicant or Borrower is reported 8888 indicating NA. Your data indicates a number outside of this range.
2) The Age of Co-Applicant or Co-Borrower generally should be between 18 and 100 unless the Age of Co-Applicant or Co-Borrower is reported 8888 indicating NA or 9999 indicating no co-applicant or co-borrower. Your data indicates a number outside of this range.
Fields: Origination Charges; Total Loan Costs; Total Points and Fees
Please review the information below and update your file, if needed.
1) If Total Loan Costs and Origination Charges are not reported NA or Exempt, and are both nonzero numbers, then Total Loan Costs generally should be greater than Origination Charges.
2) If Total Points and Fees and Origination Charges are not reported NA or Exempt, and are both nonzero numbers, then Total Points and Fees generally should be greater than Origination Charges.
Fields: Discount Points; Total Loan Costs; Total Points and Fees
Please review the information below and update your file, if needed.
1) If Total Loan Costs and Discount Points are not reported NA or Exempt, and are both nonzero numbers, then Total Loan Costs generally should be greater than Discount Points.
2) If Total Points and Fees and Discount Points are not reported NA or Exempt, and are both nonzero numbers, then Total Points and Fees generally should be greater than Discount Points.
3) The discount points should not generally be higher than 15% of the loan amount and must be reported in dollars.
Fields: Loan Type, Combined Loan-to-Value Ratio, Loan Amount, and Property Value
Please review the information below and update your file, if needed.
1) If Loan Type equals 1 and Combined Loan-to-Value Ratio and Property Value are not reported NA or Exempt, then the Combined Loan-to Value Ratio generally should be greater than or equal to the Loan-to-Value Ratio (calculated as Loan Amount divided by the Property Value ).
Fields: Construction Method; Manufactured Home Secured Property Type
Please review the information below and update your file, if needed.
1) If Construction Method equals 2, then Manufactured Home Secured Property Type generally should not be 3.
Fields: Construction Method; Manufactured Home Land Property Interest
Please review the information below and update your file, if needed.
1) If Construction Method equals 2, then Manufactured Home Land Property Interest generally should not be 5.
Fields: Business or Commercial Purpose; NMLSR ID
Please review the information below and update your file, if needed.
1) If Business or Commercial Purpose equals 2, then NMLSR ID generally should not be NA.
Fields: Reverse Mortgage; Age of Applicant or Borrower
Please review the information below and update your file, if needed.
1) If Reverse Mortgage equals 1, then the Age of Applicant or Borrower generally should be greater than or equal to 62. Your data indicates a number outside this range.
Fields: Loan Amount; Total Units; Income
Please review the information below and update your file, if needed.
1) If Total Units is less than or equal to 4 and Income is less than or equal to $200,000 (reported as 200) , then Loan Amount generally should be less than $2,000,000 (reported as 2000000) .
Fields: Loan Type; Total Units; Loan Amount
Please review the information below and update your file, if needed.
1) If Loan Type equals 2 and Total Units equals 1, then Loan Amount generally should be less than or equal to $637,000 (reported as 637000) .
Fields: Loan Type; Total Units; Loan Amount
Please review the information below and update your file, if needed.
1) If Loan Type equals 3 and Total Units is less than or equal to 4, then Loan Amount generally should be less than or equal to $1,050,000 (reported as 1050000) .
Fields: Type of Purchaser; Total Units; Loan Amount
Please review the information below and update your file, if needed.
1) If Type of Purchaser equals 1, 2, 3, or 4 and Total Units is less than or equal to 4, then Loan Amount generally should be less than or equal to $1,225,000 (reported as 1225000) .
Fields: Total Units; Loan Amount
Please review the information below and update your file, if needed.
1) If Total Units is greater than or equal to 5, then Loan Amount generally should be between $100,000 (reported as 100000) and $10,000,000 (reported as 10000000) .
Fields: Loan Purpose; Loan Amount; Total Units
Please review the information below and update your file, if needed.
1) If Loan Purpose equals 1 and Total Units is less than or equal to 4, then Loan Amount generally should be greater than $10,000 (reported as 10000) .
Fields: Action Taken; Total Units; Loan Purpose; Income
Please review the information below and update your file, if needed.
1) If Action Taken equals 1, 2, 3, 4, 5, 7, or 8; Total Units is less than or equal to 4; and Loan Purpose equals 1, 2, or 4, then Income generally should not be NA.
Fields: Total Units; HOEPA Status
Please review the information below and update your file, if needed.
1) If Total Units is greater than or equal to 5, then HOEPA Status generally should equal 3.
Fields: Loan Type; Total Units
Please review the information below and update your file, if needed.
1) If Loan Type equals 2, 3, or 4, then Total Units generally should be less than or equal to 4.
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
Please review the information below and update your file, if needed
1) If Automated Underwriting System: 1; Automated Underwriting System: 2; Automated Underwriting System: 3; Automated Underwriting System: 4; or Automated Underwriting System: 5 equals 3, then the corresponding Automated Underwriting System Result: 1; Automated Underwriting System Result: 2; Automated Underwriting System Result: 3; Automated Underwriting System Result: 4; or Automated Underwriting System Result: 5 should equal 1, 2, 3, 4, 8, 13, 18, 19 or 16.
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
Please review the information below and update your file, if needed.
1) If Automated Underwriting System: 1; Automated Underwriting System: 2; Automated Underwriting System: 3; Automated Underwriting System: 4; or Automated Underwriting System: 5 equals 4, then the corresponding Automated Underwriting System Result: 1 ; Automated Underwriting System Result: 2; Automated Underwriting System Result: 3; Automated Underwriting System Result: 4; or Automated Underwriting System Result: 5 should equal 3, 4, 10, 15, 18, 19, 20, 21, 22, 23, 24 or 16.
Fields: Credit Score of Applicant or Borrower; Applicant or Borrower, Name and Version of Credit Scoring Model; Credit Score of Co-Applicant or Co-Borrower; Co-Applicant or Co-Borrower, Name and Version of Credit Scoring Model
Please review the information below and update your file, if needed.
1) If Credit Score of Applicant or Borrower equals 7777 indicating a credit score that is not a number, then Applicant or Borrower, Name and Version of Credit Scoring Model should equal 7 or 8.
2) If Credit Score of Co-Applicant or Co-Borrower equals 7777 indicating a credit score that is not a number, then Co- Applicant or Co-Borrower, Name and Version of Credit Scoring Model should equal 7 or 8.
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
Please review the information below and update your file, if needed.
1) If Automated Underwriting System: 1; Automated Underwriting System: 2; Automated Underwriting System: 3; Automated Underwriting System: 4; or A utomated Underwriting System: 5 equals 1, then the corresponding Automated Underwriting System Result: 1 ; Automated Underwriting System Result: 2; Automated Underwriting System Result: 3; Automated Underwriting System Result: 4; or Automated Underwriting System Result: 5 should equal 1, 2, 3, 4, 5, 6, 7, 15, or 16.
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
Please review the information below and update your file, if needed.
1) If Automated Underwriting System: 1; Automated Underwriting System: 2; Automated Underwriting System: 3; Automated Underwriting System: 4; or Automated Underwriting System: 5 equals 2, then the corresponding Automated Underwriting System Result: 1 ; Automated Underwriting System Result: 2; Automated Underwriting System Result: 3 ; Automated Underwriting System Result: 4; or Automated Underwriting System Result: 5 should equal 8, 9, 10, 11, 12, 13, or 16.
Fields: Loan Amount
Please review the information below and update your file, if needed.
1) Loan Amount should generally be greater than or equal to $500 (reported 500) .
2) If Loan Purpose equals 1, then Loan Amount should generally be greater than or equal to $1,000 (reported 1000) .
Fields: Any field eligible for an exemption code
Your file indicates that at least one exemption code was used. Please verify that your institution is eligible for a partial exemption pursuant to the 2018 HMDA Rule.
Fields: Action Taken; Universal Loan Identifier (ULI)
Please review the information below and update your file, if needed.
1) If Action Taken equals 1, 2, 3, 4, 5, 7, or 8, the first 20 characters of the ULI should match the reported LEI.
Fields: Credit Score of Applicant or Borrower; Credit Score of Co-Applicant or Co-Borrower
Please review the information below and update your file, if needed.
1) If Credit Score of Applicant or Borrower does not equal 7777, 8888, or 1111, Credit Score should generally be between 300 and 900.
2) If Credit Score of Co-Applicant or Co-Borrower does not equal 7777, 8888, 9999, or 1111, Credit Score should generally be between 300 and 900.
Fields: Interest Rate
Please review the information below and update your file, if needed.
1) The Interest Rate reported is greater than 0 but less than 0.5, which may indicate a misplaced decimal point.
2) The Interest Rate reported is greater than 20, which may indicate a misplaced decimal point.
Fields: Combined Loan-to-Value Ratio
Please review the information below and update your file, if needed.
1) The CLTV reported is greater than 0 but less than 1.5, which may indicate a misplaced decimal point, as CLTV should be reported as a percentage.
2) The CLTV should generally fall below 150, please review the information in your file for accuracy.
Fields: Debt-to-Income Ratio
Please review the information below and update your file, if needed.
1) The DTI reported is greater than 0 but less than 1, which may indicate a misplaced decimal point.
Fields: Combined Loan-to-Value Ratio; Action Taken
Please review the information below and update your file, if needed.
1) If Action Taken equals 1, 2, or 8, and the value for CLTV is not NA or Exempt, the CLTV should generally be between 0 and 250.
2) If Action Taken equals 3, 4, 5, 6, or 7, and the value for CLTV is not NA or Exempt, the CLTV should generally be between 0 and 1,000.
Fields: Debt-to-Income Ratio; Income; Action Taken
Please review the information below and update your file, if needed.
1) If Income is greater than $5,000 (reported as 5) , Action Taken equals 1, 2, or 8, and the value for DTI is not NA or Exempt, the DTI should generally be between 0 and 80.
Fields: Total Units; Multifamily Affordable Units
Please review the information below and update your file, if needed.
1) If Total Units is greater than or equal to 5 and the record relates to a multifamily property, then Multifamily Affordable Units should generally be 0 or an integer.
Fields: Any data field eligible for an alphanumeric exemption code
Please review the information below and update your file, if needed. The value 1111 was entered in a field that accepts only Exempt as the exemption code, which may indicate an incorrect exemption code is being used.
Fields: Any data field that accepts a numeric data field type that is not eligible for an exemption code
Please review the information below and update your file, if needed. The value 1111 was entered in a field that does not accept 1111 as an exemption code, which may indicate that an incorrect exemption code is being used.
Fields: Loan Term
Please review the information below and update your file, if needed.
1) If Loan Term is not NA or Exempt, the Loan Term should generally be 600 or less.
Fields: Any data point that accepts a “Not Applicable” or “No Co-Applicant” value
Please review the information below and update your file, if needed.
1) The values 888 or 88888 were entered in a field that accepts 8888 or NA as a value, which may indicate that an incorrect value is being used.
2) The values 999 or 99999 were entered in a field that accepts 9999 or NA as a value, which may indicate that an incorrect value is being used.
Fields: Street Address
Please review the information below and update your file, if needed.
1) The Street Address reported is longer than 100 characters, which may indicate that more than one address was reported.
2) The reported Street Address includes the values: “;”, “&”, or the word “and“, which may indicate that more than one address was reported.
3) The reported Street Address includes the values: ?, !, *, %, ^, @, [, ], {, } ,<,>,_, +, = or the word “tbd”, which may indicate that an invalid address was reported.
4) The reported Street Address contains either only numbers or only letters, which may indicate that an invalid Street Address was reported. Street Address should generally be alphanumeric, unless the reported value is "Exempt" or "NA".
Fields: Federal Agency; Any field eligible for exemption code.
Please review the information below and update your file, if needed. If Federal Agency equals 7, indicating a non-depository institution, exemption codes should not be used in the Loan/Application Register. Your data indicates that at least one exemption code was used.
Fields: Federal Agency; Taxpayer Identification; Legal Entity Identifier (LEI)
The reported Federal Agency; Federal Taxpayer Identification Number; and Legal Entity Identifier must match the Federal Agency; Federal Taxpayer Identification Number; and Legal Entity Identifier for the financial institution for which you are filing. Please confirm the information below and update your file accordingly.
1) The Federal Agency, Federal Taxpayer Identification Number, and Legal Entity Identifier are reported correctly in the file.
Fields: Action Taken; Loan Purpose
Please review the information below and update your file, if needed. If more than 25 loans reported Action Taken equals 1 and Loan Purpose equals 1, then the number of these loans should be less than or equal to 95% of the loans reported with Loan Purpose equals 1. Your data indicates a percentage outside of this range.
Fields: Action Taken; Total Number of Entries Contained in Submission
Please review the information below and update your file, if needed. No more than 15% of the loans in the file should report Action Taken equals 2. Your data indicates a percentage outside of this range.
Fields: Action Taken; Total Number of Entries Contained in Submission
Please review the information below and update your file, if needed. No more than 30% of the loans in the file should report Action Taken equals 4. Your data indicates a percentage outside of this range.
Fields: Action Taken; Total Number of Entries Contained in Submission
Please review the information below and update your file, if needed. No more than 15% of the loans in the file should report Action Taken equals 5. Your data indicates a percentage outside of this range.
Fields: Action Taken
Please review the information below and update your file, if needed. The number of loans in the file that reported Action Taken equals 1 should be greater than or equal to 20% of the total number of loans that reported Action Taken 1, 2, 3, 4, 5, or 6. Your data indicates a percentage outside of this range.
Fields: Action Taken; Preapproval
Please review the information below and update your file, if needed. If more than 1000 loans were reported with Preapproval equals 1, then there should be at least 1 loan reported with Action Taken equals 7. Your data indicates a number outside of this range.
Fields: Income; Total Number of Entries Contained in Submission
Please review the information below and update your file, if needed. No more than 20% of the loans in the file should report Income less than $10 thousand (entered as 10) . Your data indicates a percentage outside of this range.
Comply HMDA/CRA/SBL runs these edits against your register before you submit. To check a whole LAR row against the format rules, paste it into the edit check validator.
Each row gives the edit number, its type, the data fields the guide says it touches, and the edit description exactly as the FIG prints it. The type decides what you have to do before the platform will take your file. Section 5.1 of the guide defines four types:
| Type | What it checks | Before you can submit | Edits |
|---|---|---|---|
| Syntactical (S) | Whether the register is in the correct format and covers the correct filing year | Correct every error and upload the file again | 6 |
| Validity (V) | Whether each data field holds a valid value | Correct every error and upload the file again | 118 |
| Quality (Q) | Whether a field, or a combination of fields, matches expected values | Confirm the flagged values in the HMDA Platform, or correct them and upload again | 52 |
| Macro quality (Q) | Whether the register as a whole matches expected values | Confirm the flagged values in the HMDA Platform, or correct them and upload again | 7 |
Macro quality edits share the Q prefix with ordinary quality edits, so the letter alone will not tell them apart. In the 2026 guide they are Q634, Q635, Q636, Q637, Q638, Q639, Q640, and they test percentages and counts across the whole file rather than any one loan. Many edits also carry numbered conditions. Section 5.3 says an edit "may contain more than one condition that must be true for the edit to pass," so find the condition your record breaks before you change a value. The type definitions and that quote come from Sections 5.1 and 5.3 of the 2026 FIG itself.
Our guide to the 10 most common edit check errors walks through the failures that come up most, with the usual cause and fix for each. These are the edits it cites, every one checked against the 2026 list on this page:
The list comes from the FFIEC's 2026 Filing Instructions Guide, published by the CFPB on its HMDA platform, Section 5.3, Tables 4 to 10. In the guide's words it covers "HMDA data collected in 2026" filed with the Bureau "in 2027." We retrieved it on October 27, 2026. It holds 183 edits: 6 syntactical, 118 validity, 52 quality and 7 macro quality. Our build script counts the edit anchors on the guide page and parses every table row, and it will not publish a list if the two numbers differ. Each edit's type comes from the table the guide puts it in.
Descriptions are reproduced as published, with two whitespace repairs. The web version of the guide sometimes runs a field name into the next word ("Countyand Census Tractare"), so we put the space back, and it breaks a few sentences across lines, which we join. The script checks that no letter changed. Typos in the source, such as "theymust" in V627, stay as the guide prints them. Table 3 of the guide lists the changes from 2025: V695 now requires a four to seven digit NMLSR identifier no greater than 3000000, and Q621 was removed.
The "How to clear it" lines are ours, not the FFIEC's. 63 of the 183 edits have one. We wrote a line only where a syntactical or validity edit states a format or a list of allowed values, and the line restates that rule in plain words. Conditional rules and quality edits get no line, because the right fix depends on which value in your record is wrong. If the FFIEC revises the guide, its text overrides anything on this page.
RATA Associates, "HMDA Edit Check Lookup," edits from the FFIEC 2026 Filing Instructions Guide, retrieved October 27, 2026, https://rataassociates.com/hmda-edit-check-lookup/
You may republish this list with attribution to RATA Associates and a link to this page. To point at one edit, link its row, for example https://rataassociates.com/hmda-edit-check-lookup/#v627.
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