February 2026

Every year thousands of financial institutions rush to meet the March 1 HMDA filing deadline, and every year edit check errors slow them down. These validation failures range from simple data entry mistakes to logic conflicts between fields that need careful analysis to resolve. After helping institutions file HMDA data for nearly four decades we see the same ones appear again and again, and the pattern behind most of them is not carelessness but a mapping between an origination system and the LAR that was defined once and never revisited. Here is how to identify and fix the ten most common HMDA edit check errors before they delay your submission. The article follows two official documents. Every edit number, permitted value and condition comes from the edit specifications in Section 5…

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