Filing instructions guide for HMDA data collected in 2018
September 2018
Filing instructions guide for HMDA data collected in 2018
OMB Control #3170-0008
Version log
The following is a version log that tracks the history of this document and its updates:
Date
Version Section
Changes
September 3.7
2018 August 2018 3.6
5. 2018 Edit Specifications
3. 2018 File Specifications; 4. 2018 Data Specifications; 5. 2018 Edit Specifications
4. Section 5.3, Table 6 Modified condition 2 in edit V652 to exclude purchased loans. 1. Section 3.4, Table 2 Added exemption codes to the following data fields to implement the Economic Growth, Regulatory Relief, and Consumer Protection Act (the Act): Street Address, City, Zip Code, Rate Spread, Credit Score of Applicant or Borrower, Credit Score of CoApplicant or Co-Borrower, Applicant or Borrower, Name and Version of Credit Scoring Model, CoApplicant or Co-Borrower, Name and Version of Credit Scoring Model, Reason for Denial:1, Total Loan Costs, Total Points and Fees, Origination Charges, Discount Points, Lender Credits, Interest Rate, Prepayment Penalty Term, Debt-to-Income Ratio, Combined Loan-to-Value Ratio, Loan Term, Introductory Rate Period, Balloon Payment, InterestOnly Payments, Negative Amortization, Other Nonamortizing Features, Property Value, Manufactured Home Secured Property Type, Manufactured Home Land Property Interest, Multifamily Affordable Units, Submission of Application, Initially Payable to Your Institution, Mortgage Loan Originator NMLSR Identifier, Automated Underwriting System: 1, Automated Underwriting System Result: 1, Reverse Mortgage, Open-End Line of Credit, and Business or Commercial Purpose.
2. Section 4.2.2 Added instructions to the data fields referenced above to implement changes made by the Act.
3. Section 5.2, Table 3 Modified 2018 New and Revised Edits table with edit revisions and explanations.
4. Section 5.3, Table 6
1
Date
Version Section
Changes
Added the following edits to account for the Act: V709, V710, V711, V712, V713, V714, V715
Modified the following edits to account for the Act: V608, V622, V624, V657, V660, V662, V663, V664, V665, V667, V668, V669, V670, V672, V673, V674, V675, V676, V677, V678, V679, V680, V681, V682, V683, V684, V685, V686, V687, V688, V689, V690, V692, V693, V694, V696, V704, V705, V706, V707, V708
August 2018 3.5
5. 2018 Edit Specifications
4. Section 5.3, Table 7 Modified the following edits to account for the Act: Q609, Q615, Q616, Q617, Q621 1. Section 5.3, Table 6 Modified the following edits: V651, V655 to exclude purchased loans
February 3.4
2018
3. 2018 File Specifications; 4. 2018 Data Specifications; 5. 2018 Edit Specifications
1. Section 2.2 and Section 3.3 Updated to provide explicit instructions not to include leading zeros in data fields.
2. Section 4.2.2 Updated allowable codes for AUS results produced by the Guaranteed Underwriting System (GUS).
3. Section 5.3 Table 6 Updated edit V617 to allow a loan amount of 0.
4. Section 5.3 Table 7 Updated edit Q633 to allow additional AUS result code.
October 3.3
2017
3. 2018 File Specifications; 4. 2018 Data Specifications; 5. 2018 Edit Specifications
1. Section 3.4, Table 2, and Section 4.2.2 Updated the name of the code for the Freddie Mac AUS system to include Loan Product Advisor. Updated AUS Result Code 15 to include Unknown.
2. Section 4.2.2 Added instructions for the following to account for the GMI transition rule:
3.b Ethnicity Collected on the Basis of Visual Observation or Surname. Previous instruction 3.b. became 3.c.
2
Date
Version Section
August 2017 3.2
5. 2018 Edit Specifications
Changes
5.b Race Collected on the Basis of Visual Observation or Surname. Previous instruction 5.b.became 5.c.
2.b Sex Collected on the Basis of Visual Observation or Surname. Previous instruction 2.b.became 2.c.
3. Section 4.2.2 Updated the name of the code for the Freddie Mac AUS system to include Loan Product Advisor. Updated AUS Result Code 15 to include Unknown. Updated allowable codes for AUS results produced by the Fannie Mae AUS system, Desktop Underwriter.
4. Section 5.2, Table 3 Modified 2018 Revised Edits table with edit revisions and explanations.
5. Section 5.3, Table 6 Modified the following edits:
V619 to exclude purchased loans. V629, V632, V636 and V639 with updated
allowable reporting of Ethnicity and Race due to the 2017 HMDA Final Rule. V630, V633, V637, V640, V643, V645, V647, and V649 to account for the GMI transition rule. V692 to allow NA in condition 3.
6. Section 5.3, Table 6 and 7 Removed edit V697 and converted it to edit Q643. Removed edit V698 and converted it to edit Q644.
7. Section 5.3, Table 7 Modified the following edits:
Q614 to account for Age reported NA. Q617 to clarify Loan Amount cannot be
reported NA. 1. Section 5.3, Table 7 and 8 Removed edit Q615 from version 3.1 published in
3
Date
Version Section
Changes
August 2017. Re-aligned edit IDs in table 7 and table 8 with the edit IDs published in version 3.0 in July 2017. 1. Section 1.3 Updated to include the amendments in the 2017 HMDA Rule.
2. Section 3.3 Updated loan application/register format to clarify that each covered loan or application should appear on its own line in the loan/application register.
3. Section 3.4, Table 2, and Section 4.2.2 Updated description of Loan Type, Code 3.
August 2017 3.1
1. What's in the FIG?; 3. 2018 File Specifications; 4. 2018 Data Specifications; and 5. 2018 Edit Specifications
4. Section 3.4, Table 2, and Section 4.2.2 Added Code 5 to Loan Purpose.
5. Section 3.4, Table 2, Section 4.2.2, and Section 5.3 Table 6 Updated the names of the following data fields:
#24 Ethnicity of Applicant or Borrower: Conditional Free Form Text Field for Code 14 to Ethnicity of Applicant or Borrower: Free Form Text Field for Other Hispanic or Latino.
#30 Ethnicity of Co-Applicant or Co-Borrower: Conditional Free Form Text Field for Code 14 to Ethnicity of Co-Applicant or Co-Borrower: Free Form Text Field for Other Hispanic or Latino.
#38 Race of Applicant or Borrower: Conditional Free Form Text Field for Code 1 to Race of Applicant or Borrower: Free Form Text Field for American Indian or Alaska Native Enrolled or Principal Tribe.
#39 Race of Applicant or Borrower: Conditional Free Form Text Field for Code 27 to Race of Applicant or Borrower: Free Form Text Field for Other Asian.
#40 Race of Applicant or Borrower: Conditional Free Form Text Field for Code 44 to Race of Applicant or Borrower: Free Form Text Field for Other Pacific Islander.
#46 Race of Co-Applicant or Co-Borrower: Conditional Free Form Text Field for Code 1
4
Date
5
Version Section
Changes
to Race of Co-Applicant or Co-Borrower: Free Form Text Field for American Indian or Alaska Native Enrolled or Principal Tribe. #47 Race of Co-Applicant or Co-Borrower: Conditional Free Form Text Field for Code 27 to Race of Co-Applicant or Co-Borrower: Free Form Text Field for Other Asian. #48 Race of Co-Applicant or Co-Borrower: Conditional Free Form Text Field for Code 44 to Race of Co-Applicant or Co-Borrower: Free Form Text Field for Other Pacific Islander.
6. Section 3.4, Table 2 Updated descriptions for the following data fields:
#19 Ethnicity of Applicant or Borrower: 1. #24 Ethnicity of Applicant or Borrower: Free
Form Text Field for Other Hispanic or Latino. #25 Ethnicity of Co-Applicant or Co-Borrower:
1. #30 Ethnicity of Co-Applicant or Co-Borrower:
Free Form Text Field for Other Hispanic or Latino. #33 Race of Applicant or Borrower: 1. #38 Race of Applicant or Borrower: Free Form Text Field for American Indian or Alaska Native Enrolled or Principal Tribe. #39 Race of Applicant or Borrower: Free Form Text Field for Other Asian. #40 Race of Applicant or Borrower: Free Form Text Field for Other Pacific Islander. #41 Race of Co-Applicant or Co-Borrower: 1. #46 Race of Co-Applicant or Co-Borrower: Free Form Text Field for American Indian or Alaska Native Enrolled or Principal Tribe. #47 Race of Co-Applicant or Co-Borrower: Free Form Text Field for Other Asian. #48 Race of Co-Applicant or Co-Borrower: Free Form Text Field for Other Pacific Islander.
7. Section 3.4, Table 2, and Section 4.2.2 Added Code 7777 to the following data fields:
#62 Credit Score of Applicant or Borrower.
Date
6
Version Section
Changes
#63 Credit Score of Co-Applicant or CoBorrower.
8. Section 3.4, Table 2 Updated examples for the following data fields:
#76 Discount Points. #77 Lender Credits.
9. Section 4.2.2 Updated the example for loan amount.
10. Section 4.2.2 Updated instructions for the following:
1.f. Ethnicity of Applicant or Borrower. 2. Ethnicity Free Form Text Field for Other
Hispanic or Latino. 1.f. Race of Applicant or Borrower. 2. Race Free Form Text Field for American
Indian or Alaska Native Enrolled or Principal Tribe. 3. Race Free Form Text Field for Other Asian. 4. Race Free Form Text Field for Other Pacific Islander. c. Rate Spread. 1.a.i. Credit Score of Applicant or Borrower. 1.c. Credit Score of Applicant or Borrower. 2.a.i. Name and Version of Credit Scoring Model.
11. Section 5.2, Table 3. Created Revised Edits Table.
12. Section 5.3, Table 6. Changed data point name from "ULI" to "Applicable to all data fields" in edit S305.
13. Section 5.3, Table 6. Updated valid values in V612 and V614 to include Code 5.
14. Section 5.3, Table 6. Updated allowable reporting of Ethnicity and Race in V628, V631, V635, and V638. Updated the names of the free form text data fields.
15. Section 5.3, Table 6.
Date July 2017
Version Section
Changes
Removed edit V653.
16. Section 5.3, Table 6. Modified condition two in V672 to remove "and the reverse must be true." Added condition five in V673.
17. Section 5.3, Table 6. Updated the valid values in V691 by removing NA.
18. Section 5.3, Table 7. Updated valid values in Q613 to include Code 5.
19. Section 5.3, Table 7. Added Q642 to address non-numeric credit scores.
1. Section 3.4, Table 1. Updated example for Contact Person's Office State.
2. Section 3.4, Table 1. Updated example for Contact Person's Office ZIP Code.
3. Section 3.4, Table 1; Section 3.4, Table 2; Section 4.2.1; and Section 4.2.2.
Updated examples for LEI and ULI.
4. Section 3.4, Table 2, and Section 4.2.2.
3. 2018 File Updated example for Loan Amount.
Specifications; 5. Section 3.4, Table 2; and Section 4.2.2.
4. 2018 Data Updated example and data point for State.
3.0
Specifications;
and
6. Section 3.4, Table 2, and Section 4.2.2.
5. 2018 Edit Updated example for ZIP Code.
Specifications 7. Section 4.2.2.
Updated URL for check digit reference.
8. Section 4.2.2. Updated instructions and numbering for 1. Ethnicity of Applicant or Borrower (b).
9. Section 4.2.2. Updated instructions and numbering for 1. Race of Applicant or Borrower (b).
10. Section 4.2.2. Updated instructions for entering Mortgage Loan
7
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