2024 FIG (Filing Instructions Guide)

The 2024 Filing Instructions Guide (FIG) is a compendium of resources to help you file annual HMDA data collected in 2024 with the Consumer Financial Protection Bureau (Bureau) in 2025. These resources are briefly described in this section and are further detailed throughout this document in individual sections.

The HMDA agencies have agreed that filing HMDA data collected in or after 2017 with the Bureau will be deemed as a submission to the appropriate Federal agency. 1

The FIG includes the following sections:

1.1 Changes to the Submission Process for Data Collected in 2024

This section provides a summary of the changes made to the submission process for filing HMDA data collected in 2024 with the Bureau.

This section may be useful for employees in a variety of roles, for example, your institution’s:

Compliance Officer
Staff who collect, prepare, and submit HMDA data
HMDA technology support staff

1.2 2024 File Specifications

This section provides information including valid values, how to format your loan/application register, and how to file your HMDA data collected in 2023 with the Bureau.

This section may be useful for employees in a variety of roles, for example, your institution’s:

Staff who collect, prepare, and submit HMDA data
HMDA technology support staff

1.3 2024 Data Specifications

On October 15, 2015, the Bureau issued a final rule (2015 HMDA Final Rule) Regulation C. In August 2017, the Bureau issued a final rule amending the 2015 HMDA Rule primarily to make technical corrections and clarify amendments (2017 HMDA Final Rule). In August 2018, the Bureau issued an interpretive and procedural rule (2018 HMDA Rule) to implement and clarify the amendments to HMDA made by section 104(a) of the Economic Growth, Regulatory Relief, and Consumer Protection Act (the Act). Beginning with data collected in 2018, HMDA filers should report the data points described in the 2015 HMDA Final Rule and the 2017 HMDA Final Rule, as modified by the 2018 HMDA Rule for insured depository institutions and insured credit unions reporting transactions covered by a partial exemption.

This section provides instructions for what to enter into each data field in the loan/application register.

This section may be useful for employees in a variety of roles, for example, your institution’s:

Compliance officer
Staff who collect, prepare, and submit HMDA data

1.4 2024 Edit Specifications

This section lists the edits that financial institutions must run on HMDA data before filing with the Bureau.

This section may be useful for employees in a variety of roles, for example, your institution’s:

Staff who collect, prepare, and submit HMDA data

2. Changes to the Submission Process for Data Collected in 2024

Export CSV November 2023

Added revised edit V660
Updated edit V720

Updated edit Q660

October 2023

Updated Calendar Year values

August 2023

Updated Calendar Year values

Updated and added new Credit Score Models

Updated examples for Application Date and Action Taken Date

Updated table to show 2024 new and revised edits

Revised edits V662, V665, V667, V720

Added edit Q660

Consult the version log of prior years' versions of the FIG for previous changes.

2.1 Items that have changed:

There are no significant changes to the submission process for data collected in 2024 and reported in 2025.

2.2 Items that have not changed:

The data fields to be collected and reported have not changed:

The required data fields for the 2024 data have not changed from the 2023 data collection and reporting requirements. Please refer to Regulation C, the 2018 HMDA Rule, and the Data Specification section for the 2024 requirements.

The loan/application register file format for submitting your HMDA data:

Financial institutions will submit data collected in a pipe delimited text file (.txt). Data fields will be separated by a pipe character, “|”, and will not be fixed length. Do not include leading zeros for the purpose of making a data field a specific number of characters. Additional information regarding the loan/application register file format can be found in the “Self Service Knowledge Portal” located at https://ffiec.cfpb.gov. For additional questions, contact hmdahelp@cfpb.gov.

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

“NA” used when the reporting requirement is not applicable;
Two-letter state codes;
A capital “E” at the beginning of any “Exempt” response.

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

The way you submit your HMDA data:

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

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

The following submission methods will not be permitted:

PC Diskette and CD-ROM
Submission via Web (from the Data Entry Software (DES))
E-mail to HMDASUB@FRB.GOV
Paper Submissions

The process by which you validate the edit report:

Financial institutions must address all edits prior to submitting their HMDA data. In contrast to the previous process for filing data with the Federal Reserve Board (FRB), all edits must now be addressed prior to filing HMDA data with the Bureau in order to complete the submission process.

The edit report will be web-based:

Edit reports will not be e-mailed to filers in PDF format. Instead, the Bureau edit reports will be viewed and can be downloaded from the HMDA Platform.
Responses to the edits will not be faxed or e-mailed to the Bureau. The HMDA Platform will guide filers through the process of addressing edits.

The agency with which you file resubmissions of your HMDA data:

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

The Officer Certification process:

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

The contact information for HMDA Help:

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

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

3. 2024 File Specifications

3.1 Introduction

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

3.2 Submission instructions

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

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

The HMDA Platform will walk you through the loan/application register filing process.

Certification will also occur within the HMDA Platform. An authorized representative of your institution with knowledge of the data submitted shall certify to the accuracy and completeness of the data submitted.

3.3 Loan/Application Register format

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

Each data field within each row will be separated with a pipe character, “|”.
Do not include leading zeros for the purpose of making a data field a specific number of characters.
The loan/application register will be a text file with a .txt file format extension.
Do not encase text entries in single or double quotes.

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

“NA” used when the reporting requirement is not applicable;
Two-letter state codes;
A capital “E” at the beginning of any “Exempt” response.

As with previous submissions:

The first row of the loan/application register will begin with the number one (1) to indicate that the data fields in row one contain information relating to your institution.
All subsequent rows of the loan/application register will begin with the number two (2) to indicate that the data fields beginning in row two contain data fields for the loan/application register, with information relating to the reported loan or application.
Each covered loan or application must appear on its own line in the loan/application register.

3.4 Information regarding data fields

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

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

Export CSV Record Identifier – Value is 1 Financial Institution Name Alphanumeric Example: Ficus Bank Calendar Year Example: 2024 Calendar Quarter

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

Contact Person’s Name Alphanumeric Example: Erika Otis Contact Person’s Telephone Number Alphanumeric Example: 999-999-9999 Contact Person’s E-mail Address Alphanumeric Example: erikaotis@bank.com Contact Person’s Office Street Address Alphanumeric Example: 4321 W Random Blvd Ste 201 Contact Person’s Office City Alphanumeric Example: Somecity Contact Person’s Office State Alphanumeric Example: CA Contact Person’s Office ZIP Code Alphanumeric Example: 90049-9998 Federal Agency 1
2
3
5
7
9

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

Total Number of Entries Contained in Submission Example: 5000 Federal Taxpayer Identification Number Alphanumeric Example: 99-9999999 Legal Entity Identifier (LEI) Alphanumeric; Width is 20 characters Example: 10BX939C5543TQA1144M

TABLE 2: LOAN/APPLICATION REGISTER

Export CSV Record Identifier – Value is 2 Legal Entity Identifier (LEI) Alphanumeric; Width is 20 characters Example: 10BX939C5543TQA1144M Legal Entity Identifier (LEI) Universal Loan Identifier (ULI) or Non-Universal Loan Identifier (NULI) Alphanumeric; Width up to 45 characters ULI Example: 10BX939C5543TQA1144M999143X38 NULI Example: 999143X Universal Loan Identifier (ULI) or Non-Universal Loan Identifier (NULI) Application Date Alphanumeric Example: 20230721 (or) NA Application Date

Descriptions:
1. Conventional (not insured or guaranteed by FHA, VA, RHS, or FSA)
2. Federal Housing Administration insured (FHA)
3. Veterans Affairs guaranteed (VA)
4. USDA Rural Housing Service or Farm Service Agency guaranteed (RHS or FSA)

Loan Purpose 1
2
31
32
4
5

Descriptions:
1. Home purchase
2. Home improvement
31. Refinancing
32. Cash-out refinancing
4. Other purpose
5. Not applicable

Loan Purpose Preapproval Descriptions:
1. Preapproval requested
2. Preapproval not requested Preapproval Construction Method Descriptions:
1. Site-built
2. Manufactured Home Construction Method Occupancy Type Descriptions:
1. Principal residence
2. Second residence
3. Investment property Occupancy Type Loan Amount Example: 110500 (or) 110500.00 Loan Amount Action Taken 1
2
3
4
5
6
7
8

Descriptions:
1. Loan originated
2. Application approved but not accepted
3. Application denied
4. Application withdrawn by applicant
5. File closed for incompleteness
6. Purchased loan
7. Preapproval request denied
8. Preapproval request approved but not accepted

Action Taken Action Taken Date Example: 20240721 Action Taken Date Street Address Alphanumeric Example: 456 W Somewhere Ave Apt 201 (or) NA (or) Exempt Property Address Alphanumeric Example: Anytown (or) NA (or) Exempt Property Address Alphanumeric Example: CA (or) NA Property Location & Property Address Alphanumeric Example: 90049-9998 (or) NA (or) Exempt Property Address Alphanumeric Example: 06037 (or) NA Property Location Census Tract Alphanumeric Example: 06037264000 (or) NA Property Location Ethnicity of Applicant or Borrower: 1 1
11
12
13
14
2
3
4

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

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

Ethnicity of Applicant or Borrower: 2 1
11
12
13
14
2

Descriptions:
1. Hispanic or Latino
11. Mexican
12. Puerto Rican
13. Cuban
14. Other Hispanic or Latino
2. Not Hispanic or Latino

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

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

Ethnicity of Applicant or Borrower: 3 1
11
12
13
14
2

Descriptions:
1. Hispanic or Latino
11. Mexican
12. Puerto Rican
13. Cuban
14. Other Hispanic or Latino
2. Not Hispanic or Latino

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

Ethnicity of Applicant or Borrower: 4 1
11
12
13
14
2

Descriptions:
1. Hispanic or Latino
11. Mexican
12. Puerto Rican
13. Cuban
14. Other Hispanic or Latino
2. Not Hispanic or Latino

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

Ethnicity of Applicant or Borrower: 5 1
11
12
13
14
2

Descriptions:
1. Hispanic or Latino
11. Mexican
12. Puerto Rican
13. Cuban
14. Other Hispanic or Latino
2. Not Hispanic or Latino

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

Ethnicity of Applicant or Borrower: Free Form Text Field for Other Hispanic or Latino Alphanumeric; Width up to 100 characters

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

Ethnicity of Co-Applicant or Co-Borrower: 1 1
11
12
13
14
2
3
4
5

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

Ethnicity of Co-Applicant or Co-Borrower: 2 1
11
12
13
14
2

Descriptions:
1. Hispanic or Latino
11. Mexican
12. Puerto Rican
13. Cuban
14. Other Hispanic or Latino
2. Not Hispanic or Latino

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

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

Ethnicity of Co-Applicant or Co-Borrower: 3 1
11
12
13
14
2

Descriptions:
1. Hispanic or Latino
11. Mexican
12. Puerto Rican
13. Cuban
14. Other Hispanic or Latino
2. Not Hispanic or Latino

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

Ethnicity of Co-Applicant or Co-Borrower: 4 1
11
12
13
14
2

Descriptions:
1. Hispanic or Latino
11. Mexican
12. Puerto Rican
13. Cuban
14. Other Hispanic or Latino
2. Not Hispanic or Latino

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

Ethnicity of Co-Applicant or Co-Borrower: 5 1
11
12
13
14
2

Descriptions:
1. Hispanic or Latino
11. Mexican
12. Puerto Rican
13. Cuban
14. Other Hispanic or Latino
2. Not Hispanic or Latino

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

Ethnicity of Co-Applicant or Co-Borrower: Free Form Text Field for Other Hispanic or Latino Alphanumeric; Width up to 100 characters

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

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

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

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

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

Race of Applicant or Borrower: 1 1
2
21
22
23
24
25
26
27
3
4
41
42
43
44
5
6
7

Descriptions:
1. American Indian or Alaska Native
2. Asian
21. Asian Indian
22. Chinese
23. Filipino
24. Japanese
25. Korean
26. Vietnamese
27. Other Asian
3. Black or African American
4. Native Hawaiian or Other Pacific Islander
41. Native Hawaiian
42. Guamanian or Chamorro
43. Samoan
44. Other Pacific Islander
5. White
6. Information not provided by applicant in mail, internet, or telephone application
7. Not applicable

If the Applicant or Borrower did not select any race(s) and only provided race(s) in the Race of Applicant or Borrower: Free Form Text Field for American Indian or Alaska Native Enrolled or Principal Tribe, Race of Applicant or Borrower: Free Form Text Field for Other Asian, and/or Race of Applicant or Borrower: Free Form Text Field for Other Pacific Islander, either leave this data field blank or enter, as appropriate, Code 1, 27, or 44.

Race of Applicant or Borrower: 2 1
2
21
22
23
24
25
26
27
3
4
41
42
43
44
5

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

If the Applicant or Borrower provided race(s) in the Race of Applicant or Borrower: Free Form Text Field for American Indian or Alaska Native Enrolled or Principal Tribe, Race of Applicant or Borrower: Free Form Text Field for Other Asian, and/or Race of Applicant or Borrower: Free Form Text Field for Other Pacific Islander, and did not select Code 1, 27, or 44, either leave this data field blank or enter Code 1, 27, or 44.

Race of Applicant or Borrower: 3 1
2
21
22
23
24
25
26
27
3
4
41
42
43
44
5

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

Race of Applicant or Borrower: 4 1
2
21
22
23
24
25
26
27
3
4
41
42
43
44
5

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

Race of Applicant or Borrower: 5 1
2
21
22
23
24
25
26
27
3
4
41
42
43
44
5

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

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

Alphanumeric; Width up to 100 characters

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

Race of Applicant or Borrower: Free Form Text Field for Other Asian Alphanumeric; Width up to 100 characters

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

Race of Applicant or Borrower: Free Form Text Field for Other Pacific Islander Alphanumeric; Width up to 100 characters

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

Race of Co-Applicant or Co-Borrower: 1 1
2
21
22
23
24
25
26
27
3
4
41
42
43
44
5
6
7
8

If the Co-Applicant or Co-Borrower did not select any race(s) and only provided race(s) in the 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, and/or Race of Co-Applicant or Co-Borrower: Free Form Text Field for Other Pacific Islander, either leave this data field blank or enter, as appropriate, Code 1, 27, or 44.

Race of Co-Applicant or Co-Borrower: 2 1
2
21
22
23
24
25
26
27
3
4
41
42
43
44
5

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

If the Co-Applicant or Co-Borrower provided race(s) in the Race of 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, and/or Race of Co-Applicant or Co-Borrower: Free Form Text Field for Other Pacific Islander, and did not select Code 1, 27, or 44, either leave this data field blank or enter Code 1, 27, or 44.

Race of Co-Applicant or Co-Borrower: 3 1
2
21
22
23
24
25
26
27
3
4
41
42
43
44
5

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

Race of Co-Applicant or Co-Borrower: 4 1
2
21
22
23
24
25
26
27
3
4
41
42
43
44
5

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

Race of Co-Applicant or Co-Borrower: 5 1
2
21
22
23
24
25
26
27
3
4
41
42
43
44
5

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

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

Alphanumeric; Width up to 100 characters

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

Race of Co-Applicant or Co-Borrower: Free Form Text Field for Other Asian Alphanumeric; Width up to 100 characters

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

Race of Co-Applicant or Co-Borrower: Free Form Text Field for Other Pacific Islander Alphanumeric; Width up to 100 characters

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

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

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

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

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

Sex of Applicant or Borrower

Descriptions:
1. Male
2. Female
3. Information not provided by applicant in mail, internet, or telephone application
4. Not applicable
6. Applicant selected both male and female

Sex of Co-Applicant or Co-Borrower 1
2
3
4
5
6

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

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

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

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

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

Age of Applicant or Borrower Example: 24 (or) Descriptions:
8888. Not applicable Age of Co-Applicant or Co-Borrower Example: 24 (or) Descriptions:
8888. Not applicable
9999. No co-applicant Alphanumeric Example: 36 (or) -36 (or) NA Type of Purchaser 0
1
2
3
4
5
6
71
72
8
9

Descriptions:
0. Not applicable
1. Fannie Mae
2. Ginnie Mae
3. Freddie Mac
4. Farmer Mac
5. Private securitizer
6. Commercial bank, savings bank, or savings association
71. Credit union, mortgage company, or finance company
72. Life insurance company
8. Affiliate institution
9. Other type of purchaser

Type of Purchaser Rate Spread Alphanumeric Example: 0.428 (or) -0.428 (or) NA (or) Exempt Rate Spread HOEPA Status Descriptions:
1. High-cost mortgage
2. Not a high-cost mortgage
3. Not applicable HOEPA Status Lien Status Descriptions:
1. Secured by a first lien
2. Secured by a subordinate lien Lien Status Credit Score of Applicant or Borrower 7777
8888
1111 Example: 650 (or) Descriptions:
7777. Credit score is not a number
8888. Not applicable
1111. Exempt Credit Score Credit Score of Co-Applicant or Co-Borrower 7777
8888
9999
1111

Example: 650 (or) Descriptions:
7777. Credit score is not a number
8888. Not applicable
9999. No co-applicant
1111. Exempt

Credit Score Applicant or Borrower, Name and Version of Credit Scoring Model 1
2
3
4
5
6
7
8
9
11
12
13
14
15
1111

Descriptions:
1. Equifax Beacon 5.0
2. Experian Fair Isaac Risk Model v2
3. TransUnion FICO Risk Score Classic 04
4. TransUnion FICO Risk Score Classic 98
5. VantageScore 2.0
6. VantageScore 3.0
7. More than one credit scoring model
8. Other credit scoring model
9. Not applicable
11. FICO Score 9
12. FICO Score 8
13. FICO Score 10
14. FICO Score 10T
15. VantageScore 4.0
1111. Exempt

Credit Score

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

Alphanumeric; Width up to 100 characters

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

Credit Score Co-Applicant or Co-Borrower, Name and Version of Credit Scoring Model 1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
1111

Descriptions:
1. Equifax Beacon 5.0
2. Experian Fair Isaac Risk Model v2
3. TransUnion FICO Risk Score Classic 04
4. TransUnion FICO Risk Score Classic 98
5. VantageScore 2.0
6. VantageScore 3.0
7. More than one credit scoring model
8. Other credit scoring model
9. Not applicable
10. No co-applicant
11. FICO Score 9
12. FICO Score 8
13. FICO Score 10
14. FICO Score 10T
15. VantageScore 4.0
1111. Exempt

Credit Score

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

Alphanumeric; Width up to 100 characters

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

Credit Score Reason for Denial: 1 1
2
3
4
5
6
7
8
9
10
1111

Descriptions:
1. Debt-to-income ratio
2. Employment history
3. Credit history
4. Collateral
5. Insufficient cash (downpayment, closing costs)
6. Unverifiable information
7. Credit application incomplete
8. Mortgage insurance denied
9. Other
10. Not applicable
1111. Exempt

Reason for Denial Reason for Denial: 2 1
2
3
4
5
6
7
8
9

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

Reason for Denial Reason for Denial: 3 1
2
3
4
5
6
7
8
9

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

Reason for Denial Reason for Denial: 4 1
2
3
4
5
6
7
8
9

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

Reason for Denial Reason for Denial: Conditional Free Form Text Field for Code 9 Alphanumeric; Width up to 255 characters

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

Reason for Denial Total Loan Costs Alphanumeric Example: 2399.04 (or) NA (or) Exempt Total Loan Costs or Total Points and Fees Total Points and Fees Alphanumeric Example: 2399.04 (or) NA (or) Exempt Total Loan Costs or Total Points and Fees Origination Charges Alphanumeric Example: 2399.04 (or) NA (or) Exempt Origination Charges Discount Points Alphanumeric

Example: 2399.04 (or) NA (or) Exempt

If no points were paid, leave this data field blank

Discount Points Lender Credits Alphanumeric

Example: 1500.24 (or) NA (or) Exempt

If no lender credits were provided, leave this data field blank

Lender Credits Interest Rate Alphanumeric Example: 4.125 (or) NA (or) Exempt Interest Rate Prepayment Penalty Term Alphanumeric Example: 24 (or) NA (or) Exempt Prepayment Penalty Term Debt-to-Income Ratio Alphanumeric Example: 42.95 (or) -42.95 (or) NA (or) Exempt Debt-to-Income Ratio Combined Loan-to-Value Ratio Alphanumeric Example: 80.05 (or) NA (or) Exempt Combined Loan-to-Value Ratio Alphanumeric Example: 360 (or) NA (or) Exempt Introductory Rate Period Alphanumeric Example: 24 (or) NA (or) Exempt Introductory Rate Period Balloon Payment Descriptions:
1. Balloon payment
2. No balloon payment
1111. Exempt Non-Amortizing Features Interest-Only Payments Descriptions:
1. Interest-only payments
2. No interest-only payments
1111. Exempt Non-Amortizing Features Negative Amortization Descriptions:
1. Negative amortization
2. No negative amortization
1111. Exempt Non-Amortizing Features Other Non-Amortizing Features

Descriptions:
1. Other non-fully amortizing features
2. No other non-fully amortizing features
1111. Exempt

Non-Amortizing Features Property Value Alphanumeric Example: 350500 (or) NA (or) Exempt Property Value Manufactured Home Secured Property Type 1
2
3
1111

Descriptions:
1. Manufactured home and land
2. Manufactured home and not land
3. Not applicable
1111. Exempt

Manufactured Home Secured Property Type Manufactured Home Land Property Interest 1
2
3
4
5
1111

Descriptions:
1. Direct ownership
2. Indirect ownership
3. Paid leasehold
4. Unpaid leasehold
5. Not applicable
1111. Exempt

Manufactured Home Land Property Interest Total Units Total Units Multifamily Affordable Units Alphanumeric Example: 5 (or) NA (or) Exempt Multifamily Affordable Units Submission of Application 1
2
3
1111

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

Application Channel Initially Payable to Your Institution 1
2
3
1111

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

Application Channel Mortgage Loan Originator NMLSR Identifier Alphanumeric Example: 123450 (or) NA (or) Exempt Mortgage Loan Originator NMLSR Identifier Automated Underwriting System: 1 1
2
3
4
5
6
7
1111

Descriptions:
1. Desktop Underwriter (DU)
2. Loan Prospector (LP) or Loan Product Advisor
3. Technology Open to Approved Lenders (TOTAL) Scorecard
4. Guaranteed Underwriting System (GUS)
5. Other
6. Not applicable
7. Internal Proprietary System
1111. Exempt

Automated Underwriting System Automated Underwriting System: 2 1
2
3
4
5
7

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

Automated Underwriting System Automated Underwriting System: 3 1
2
3
4
5
7

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

Automated Underwriting System Automated Underwriting System: 4 1
2
3
4
5
7

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

Automated Underwriting System Automated Underwriting System: 5 1
2
3
4
5
7

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

Automated Underwriting System Automated Underwriting System: Conditional Free Form Text Field for Code 5 Alphanumeric; Width up to 255 characters

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Automated Underwriting System Automated Underwriting System Result: Conditional Free Form Text Field for Code 16 Alphanumeric; Width up to 255 characters

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

Automated Underwriting System Reverse Mortgage Descriptions:
1. Reverse mortgage
2. Not a reverse mortgage
1111. Exempt Reverse Mortgage Open-End Line of Credit Descriptions:
1. Open-end line of credit
2. Not an open-end line of credit
1111. Exempt Open-End Line of Credit Business or Commercial Purpose

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

Business or Commercial Purpose

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

4. 2024 Data Specifications

4.1 Introduction

This section provides instructions on entering data in the loan/application register for HMDA data collected in 2024. This document is not a substitute for Regulation C. Refer to Regulation C for a complete explanation of the reporting requirement for each data field.

Data fields are presented in the order they are recorded in the loan/application register. Data fields are identified by the corresponding 2024 File Specifications table and data field number, followed by the Regulation C paragraph containing the relevant reporting requirements. For example, (1-2) Paragraph 5(a)(3)(i) refers to the data field listed in table 1, data field 2 in the 2023 File Specifications document, and the reporting requirement found at 12 CFR § 1003.5(a)(3)(i). The blue underlined words provide hyperlinks to the referenced Regulation C paragraph.

4.2 Data format and itemization

4.2.1 Filing institution, reporting period, and contact information

Please provide the following information regarding your institution in the format described in each paragraph below.

(1-2) Paragraph 5(a)(3)(i) — Financial Institution.

Enter the name of the financial institution that is submitting HMDA data.

Example: If the submission contains HMDA data for Ficus Bank, enter Ficus Bank.

(1-3 to 1-4) Paragraph 5(a)(3)(ii) — Calendar Year and Calendar Quarter.

Calendar Year. Enter, in numeral form, the calendar year the data submission covers, using YYYY format.

Example: If the data covers calendar year 2023, enter 2023.

Calendar Quarter. Indicate the calendar quarter the data submission covers by entering the applicable Code from the following:

Code 4—Annual submissions for covered loans and applications with respect to which final action was taken from January 1 (01/01) and December 31 (12/31)

a. Codes for individual calendar quarters (1-3) are used only by financial institutions required to report HMDA data quarterly effective January 1, 2020. Further instructions for reporting quarterly data can be found in the Supplemental Guide for Quarterly Filers.

(1-5 to 1-11) Paragraph 5(a)(3)(iii) — Contact Person.

Enter the name, telephone number, e-mail address, and office address of a person who may be contacted with questions about your institution's submission.

Example: If the contact person's name is Erika Otis, enter Erika Otis.

Contact Person's Telephone Number.

Example: If the phone number is (999) 999-9999, enter 999-999-9999. 3. Contact Person's E-mail Address.

Contact Person's Office Address. Enter the street address, city, state, and ZIP code.

a. Contact Person's Office Street Address. Enter the street address of the contact person's office as one (1) data field. U.S. Postal Service Publication 28, Sub-Sections 231–239 can be used as a guide for formatting the street address. Address components include, as applicable, the following individual items:

Predirectional
Street Name
Prefix
Suffix
Postdirectional
Secondary Address Identifier, such as suite
Secondary Address, such as suite number

Example:
4321 W Random Blvd Ste 201

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

a. Contact Person's Office City. Enter the city of the contact person's office as one (1) data field.

b. Contact Person's Office State. Enter the two-letter state code of the contact person's office as one (1) data field.

c. Contact Person's Office ZIP Code. Enter the ZIP code of the contact person's office as one (1) data field.

d. Non-Standard Addressing. U.S. Postal Service Publication 28, Sub-Sections 24, 25, and 29, respectively, can be used as guides for formatting non-standard style addressing including rural route, Highway Contract Route, and Puerto Rico addresses.

e. The following address formats are generally not preferred:

General Delivery addresses, such as General Delivery, Anytown, CA 90049-9998.

Post Office Box addresses, such as P.O. Box 100 Anytown, CA 90049-9998.
Spelled-out numbers, such as Four Hundred Fifty Six W Somewhere Ave Apt Two Hundred One.

(1-12) Paragraph 5(a)(3)(iv) — Federal Agency.

Indicate your financial institution's appropriate Federal agency by entering the applicable Code from the following:

Code 1—Office of the Comptroller of the Currency (OCC)

Code 2—Federal Reserve System (FRS)

Code 3—Federal Deposit Insurance Corporation (FDIC)

Code 5—National Credit Union Administration (NCUA)

Code 7—United States Department of Housing and Urban Development (HUD)

Code 9—Consumer Financial Protection Bureau (Bureau)

(1-13) Paragraph 5(a)(3)(v) — Total Number of Entries Contained in Submission.

Enter, in numeral form, the total number of entries contained in the submission.

Example: If your institution is submitting 5,000 entries, enter 5000.

(1-14) Paragraph 5(a)(3)(vi) — Federal Taxpayer Identification Number.

Enter your financial institution's Federal Taxpayer Identification Number.

Example: If your institution's Federal Taxpayer Identification number is 99-9999999, enter 99-9999999.

(1-15 and 2-2)Paragraph 5(a)(3)(vii) — Legal Entity Identifier (LEI).

Enter your financial institution's LEI as defined in Paragraph 4(a)(1)(i)(A).

Example: If your institution's LEI is 10BX939C5543TQA1144M, enter 10BX939C5543TQA1144M.

4.2.2 Loan/Application Register

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

(2-3) Paragraph 4(a)(1)(i) — Universal Loan Identifier (ULI) or Non-Universal Loan Identifier (NULI)

Enter the ULI assigned to the covered loan or application. Your financial institution shall assign and report a ULI that:

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

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

Must be unique within the financial institution; and
Must not include any information that could be used to directly identify the applicant or borrower.

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

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

Applying the procedures provided in Appendix C to Regulation C.

Example ULI

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

Is composed of up to 22 characters;

May be letters, numerals, or a combination of letters and numerals;
Must be unique within the insured depository institution or insured credit union; and
Must not include any information that could be used to directly identify the applicant or borrower.

(2-4) Paragraph 4(a)(1)(ii) — Application Date.

Enter, in numeral form, the date the application was received or the date shown on the application form by year, month, and day, using YYYYMMDD format.

Example: If the application was received on July 21, 2023, enter 20230721.

a. Enter "NA" if the requirement to report application date is not applicable to the covered loan or application that your institution is reporting.

(2-5)Paragraph 4(a)(2) — Loan Type.

Indicate the type of covered loan or application by entering the applicable Code from the following:

Code 1—Conventional (not insured or guaranteed by FHA, VA, RHS, or FSA)

Code 2—Federal Housing Administration insured (FHA)

Code 3—Veterans Affairs guaranteed (VA)

Code 4—USDA Rural Housing Service or Farm Service Agency guaranteed (RHS or FSA)

(2-6) Paragraph 4(a)(3) — Loan Purpose.

Indicate the purpose of the covered loan or application by entering the applicable Code from the following:

Code 1—Home purchase

Code 2—Home improvement

Code 32—Cash-out refinancing

Code 4—Other purpose

Code 5—Not applicable

(2-7) Paragraph 4(a)(4) — Preapproval.

Indicate whether the covered loan or application involved a request for a preapproval of a home purchase loan under a preapproval program by entering the applicable Code from the following:

Code 1—Preapproval requested

Code 2—Preapproval not requested

(2-8) Paragraph 4(a)(5) — Construction Method.

Indicate the construction method for the dwelling by entering the applicable Code from the following:

Code 2—Manufactured home

(2-9) Paragraph 4(a)(6) — Occupancy Type.

Indicate the occupancy type by entering the applicable Code from the following:

Code 1—Principal residence

Code 2—Second residence

Code 3—Investment property

(2-10) Paragraph 4(a)(7) — Loan Amount.

Enter, in dollars, the amount of the covered loan, or the amount applied for, as applicable.

Example: If the loan amount is $110,500, enter 110500 or 110500.00. If the loan amount is $110,500.24, enter 110500.24.

(2-11) Paragraph 4(a)(8)(i) — Action Taken.

Indicate the action taken on the covered loan or application by entering the applicable Code from the following:

Code 1—Loan originated

Code 2—Application approved but not accepted

Code 3—Application denied

Code 4—Application withdrawn by applicant

Code 5—File closed for incompleteness

Code 6—Purchased loan

Code 7—Preapproval request denied

Code 8—Preapproval request approved but not accepted

(2-12) Paragraph 4(a)(8)(ii) — Action Taken Date.

Enter, in numeral form, the date of action taken by year, month, and day, using YYYYMMDD format.

Example: If the action taken date is July 21, 2023, enter 20230721.

(2-13 to 2-18) Paragraph 4(a)(9) — Location of Property Securing (or Proposed to Secure) the Covered Loan.

Enter the location of the property securing the covered loan or, in the case of an application, proposed to secure the covered loan.

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

Predirectional
Street Name
Prefix
Suffix
Postdirectional
Secondary Address Identifier, such as apartment
Secondary Address, such as apartment number

456 W Somewhere Ave Apt 201

Predirectional: "W"
Street Name: "Somewhere"
Suffix: "Ave"
Secondary Address Identifier: "Apt"
Secondary Address: "201"

City. Enter the city of the property as one (1) data field.
State. Enter the two-letter state code of the property as one (1) data field.
ZIP Code. Enter the ZIP code of the property as one (1) data field.

a. Non-Standard Addressing. U.S. Postal Service Publication 28, Sub-Section 24, 25, and 29, respectively, can be used as guides for formatting non-standard style addressing including rural route, Highway Contract Route, and Puerto Rico addresses to increase the accuracy for geocoding.

b. The following address formats are generally not preferred:

General Delivery addresses, such as General Delivery, Anytown, CA 90049-9998.

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

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

c. Enter "NA" in each of the property address fields if the requirement to report property address is not applicable to the covered loan or application that your institution is reporting.

d. Enter "Exempt" in the Street Address, City and Zip Code fields if, pursuant to the 2018 HMDA Rule, your institution is not reporting Property Address.

County. Enter the five-digit Federal Information Processing Standards (FIPS) numerical code for the county. Do not use commas.

Example: Enter 06037 for the FIPS code for Los Angeles County, CA.

a. Enter "NA" if the requirement to report county is not applicable to the covered loan or application that your institution is reporting.

Census Tract. Enter the 11-digit census tract number as defined by the U.S. Census Bureau. Do not use decimals.

Example: Enter 06037264000 for a census tract within Los Angeles County, CA.

a. Enter "NA" if the requirement to report census tract is not applicable to the covered loan or application that your institution is reporting.

(2-19 to 2-57)Paragraph 4(a)(10) — Applicant or Borrower Information.

Appendix B to Regulation C contains instructions for the collection of data on ethnicity, race, and sex, and contains a sample data-collection form.

Ethnicity of Applicant or Borrower. Indicate the ethnicity of the applicant or borrower, or of the first co-applicant or co-borrower, as applicable, by entering up to five (5) of the applicable Codes from the following:

Code 1—Hispanic or Latino

Code 14—Other Hispanic or Latino

Code 2—Not Hispanic or Latino

Code 3—Information not provided by applicant in mail, internet, or telephone application

Code 4—Not applicable

Code 5—No co-applicant

a. Do not enter the same code more than once for the applicant or borrower, or any co-applicant or co-borrower, as applicable, for any covered loan or application.

b. Use Code 3 if the applicant or borrower, or co-applicant or co-borrower, does not provide the information in an application taken by mail, internet, or telephone. Leave the remaining Ethnicity of Applicant or Borrower data fields blank.

c. Use Code 4 if the requirement to report the applicant's or borrower's ethnicity does not apply to the covered loan or application that your institution is reporting. Leave the remaining Ethnicity of Applicant or Borrower data fields blank.

d. Use Code 5 in the co-applicant field if there are no co-applicants or co-borrowers. Leave the remaining Ethnicity of Applicant or Borrower data fields blank.

i. If there is more than one co-applicant or co-borrower, provide the required information only for the first co-applicant or co-borrower listed on the collection form.

e. If fewer than five (5) ethnicities are provided by the applicant or borrower, or by any co-applicant or co-borrower, leave the remaining Ethnicity of Applicant or Borrower data fields blank.

f. If the applicant or borrower, or any co-applicant or co-borrower, did not select Code 14, but provided another Hispanic or Latino ethnicity(ies) in the Ethnicity Free Form Text Field for Other Hispanic or Latino, your institution is permitted, but not required, to report Code 14 in one of the Ethnicity of Applicant or Borrower data fields. This will be counted as one of the five (5) reported ethnicities, whether or not you also choose to report Code 14 as one of the Ethnicity of Applicant or Borrower, or Ethnicity of Co-Applicant or Co-Borrower, data fields.

Ethnicity Free Form Text Field for Other Hispanic or Latino. Enter the specific other Hispanic or Latino ethnicity(ies) not listed above, if provided by the applicant or borrower, or by any co-applicant or co-borrower, as applicable. For example, enter Argentinean, Colombian, Dominican, Nicaraguan, Salvadoran, or Spaniard, and so on, if provided by the applicant or borrower, or by any co-applicant or co-borrower, as applicable. Enter more than one other Hispanic or Latino ethnicity, if provided by the applicant or borrower, or by any co-applicant or co-borrower, as applicable. The maximum number of characters for this field is 100 characters, including spaces. If the applicant or borrower, or any co-applicant or co-borrower, did not provide another Hispanic or Latino ethnicity(ies), leave this field blank.
Ethnicity Collected on the Basis of Visual Observation or Surname. Indicate whether the ethnicity of the applicant or borrower, or of the first co-applicant or co-borrower, as applicable, was collected on the basis of visual observation or surname by entering the applicable Code from the following:

Code 1—Collected on the basis of visual observation or surname

Code 2—Not collected on the basis of visual observation or surname

Code 3—Not applicable

Code 4—No co-applicant

a. Use Code 3 if the requirement to report the applicant's or borrower's ethnicity does not apply to the covered loan or application that your institution is reporting.

b. Use Code 3 if the financial institution received the application prior to January 1st, 2018, and the financial institution chooses not to report whether the ethnicity of the applicant or borrower, or of the first co-applicant or co-borrower, as applicable, was collected on the basis of visual observation or surname.

c. Use Code 4 in the co-applicant field if there are no co-applicants or co-borrowers.

i. If there is more than one co-applicant or co-borrower, provide the required information only for the first co-applicant or co-borrower listed on the collection form.

Race of Applicant or Borrower. Indicate the race of the applicant or borrower, or of the first co-applicant or co-borrower, as applicable, by entering up to five (5) of the applicable Codes from the following:

Code 1—American Indian or Alaska Native

Code 3—Black or African American

Code 4—Native Hawaiian or Other Pacific Islander

Code 6—Information not provided by applicant in mail, internet, or telephone application

Code 7—Not applicable

Code 8—No co-applicant

a. Do not enter the same code more than once for the applicant or borrower, or any co-applicant or co-borrower, as applicable, for any covered loan or application.

b. Use Code 6 if the applicant or borrower, or co-applicant or co-borrower, does not provide the information in an application taken by mail, internet, or telephone. Leave the remaining Race of Applicant or Borrower data fields blank.

c. Use Code 7 if the requirement to report the applicant's or borrower's race does not apply to the covered loan or application that your institution is reporting. Leave the remaining Race of Applicant or Borrower data fields blank.

d. Use Code 8 in the co-applicant field if there are no co-applicants or co-borrowers. Leave the remaining Race of Applicant or Borrower data fields blank.

i. If there is more than one co-applicant or co-borrower, provide the required information only for the first co-applicant or co-borrower listed on the collection form.

e. If fewer than five (5) races are provided by the applicant or borrower, or by any co-applicant or co-borrower, leave the remaining Race of Applicant or Borrower data fields blank.

f. If the applicant or borrower, or any co-applicant or co-borrower, did not select Code(s) 1, 27, or 44, but provided the name of the applicant's or borrower's American Indian or Alaska Native Enrolled or Principal Tribe(s) in the Race Free Form Text Field for American Indian or Alaska Native Enrolled or Principal Tribe, other Asian race(s) in the Race Free Form Text Field for Other Asian, or Other Pacific Islander race(s) in the Race Free Form Text Field for Other Pacific Islander, your institution is permitted, but not required, to report Code 1, Code 27, or Code 44, as applicable, in one of the Race of Applicant or Borrower data fields. Each reported race will be counted as one of the five (5) reported races, whether or not you also choose to report Code 1, Code 27, or Code 44, as applicable as one of the Race of Applicant or Borrower, or Race of Co-Applicant or Co-Borrower, data fields.

Race Free Form Text Field for American Indian or Alaska Native Enrolled or Principal Tribe. Enter the name of the applicant's or borrower's American Indian or Alaska Native Enrolled or Principal Tribe(s), if provided by the applicant or borrower, or by any co-applicant or co-borrower, as applicable. For example, enter Navajo if provided by the applicant or borrower, or by any co-applicant or co-borrower, as applicable. Enter more than one American Indian or Alaska Native Enrolled or Principal Tribe, if provided by the applicant or borrower, or by any co-applicant or co-borrower, as applicable. The maximum number of characters for this field is 100 characters, including spaces. If the applicant or borrower, or any co-applicant or co-borrower did not provide an American Indian or Alaska Native Enrolled or Principal Tribe(s), leave this field blank.
Race Free Form Text Field for Other Asian. Enter the specific Other Asian race(s) not listed above, if provided by the applicant or borrower, or by any co-applicant or co-borrower, as applicable. For example, enter Hmong, Laotian, Thai, Pakistani, or Cambodian, and so on, if provided by the applicant or borrower, or by any co-applicant or co-borrower, as applicable. Enter more than one other Asian race, if provided by the applicant or borrower, or by any co-applicant or co-borrower, as applicable. The maximum number of characters for this field is 100 characters, including spaces. If the applicant or borrower, or any co-applicant or co-borrower, did not provide an Other Asian race(s), leave this field blank.
Race Free Form Text Field for Other Pacific Islander. Enter the specific Other Pacific Islander race(s) not listed above, if provided by the applicant or borrower, or by any co-applicant or co-borrower, as applicable. For example, enter Fijian, or Tongan, and so on, if provided by the applicant or borrower, or by any co-applicant or co-borrower, as applicable. Enter more than one Other Pacific Islander race, if provided by the applicant or borrower, or by any co-applicant or co-borrower, as applicable. The maximum number of characters for this field is 100 characters, including spaces. If the applicant or borrower, or any co-applicant or co-borrower, did not provide an Other Pacific Islander race(s), leave this field blank.
Race Collected on the Basis of Visual Observation or Surname. Indicate whether the race of the applicant or borrower, or of the first co-applicant or co-borrower, as applicable, was collected on the basis of visual observation or surname by entering the applicable Code from the following:

Code 1—Collected on the basis of visual observation or surname

Code 2—Not collected on the basis of visual observation or surname

Code 3—Not applicable

Code 4—No co-applicant

a. Use Code 3 if the requirement to report the applicant's or borrower's race does not apply to the covered loan or application that your institution is reporting.

b. Use Code 3 if the financial institution received the application prior to January 1st, 2018, and the financial institution chooses not to report whether the race of the applicant or borrower, or of the first co-applicant or co-borrower, as applicable, was collected on the basis of visual observation or surname.

c. Use Code 4 in the co-applicant field if there are no co-applicants or co-borrowers.

i. If there is more than one co-applicant or co-borrower, provide the required information only for the first co-applicant or co-borrower listed on the collection form.

Sex of Applicant or Borrower. Indicate the sex of the applicant or borrower, or of the first co-applicant or co-borrower, as applicable, by entering the appropriate Code from the following:

Code 3—Information not provided by applicant in mail, internet, or telephone application

Code 4—Not applicable

Code 5—No co-applicant

Code 6—Applicant selected both male and female

a. Use Code 3 if the applicant or co-applicant does not provide the information in an application taken by mail, internet, or telephone.

b. Use Code 4 if the requirement to report the applicant's or borrower's sex does not apply to the covered loan or application that your institution is reporting.

c. Use Code 5 in the co-applicant field if there are no co-applicants or co-borrowers.

i. If there is more than one co-applicant or co-borrower, provide the required information only for the first co-applicant or co-borrower listed on the collection form.

d. Use Code 6 if the applicant or co-applicant selected both male and female.

Sex Collected on the Basis of Visual Observation or Surname. Indicate whether the sex of the applicant or borrower, or of the first co-applicant or co-borrower, as applicable, was collected on the basis of visual observation or surname by entering the applicable Code from the following:

Code 1—Collected on the basis of visual observation or surname

Code 2—Not collected on the basis of visual observation or surname

Code 3—Not applicable

Code 4—No co-applicant

a. Use Code 3 if the requirement to report the applicant's or borrower's sex does not apply to the covered loan or application that your institution is reporting.

b. Use Code 3 if the financial institution received the application prior to January 1st, 2018, and the financial institution chooses not to report whether the sex of the applicant or borrower, or of the first co-applicant or co-borrower, as applicable, was collected on the basis of visual observation or surname.

c. Use Code 4 in the co-applicant field if there are no co-applicants or co-borrowers.

i. If there is more than one co-applicant or co-borrower, provide the required information only for the first co-applicant or co-borrower listed on the collection form.

Enter, in numeral form, the age, in years, of the applicant or borrower, or of the first co-applicant or co-borrower, as applicable. Age is calculated, as of the application date, as the number of whole years derived from the date of birth shown on the application form. Or enter the applicable Code from the following:

Code 8888—Not applicable

Code 9999—No co-applicant

Example: If the applicant or borrower is 24 years old, enter 24.

a. Use Code 8888 if the requirement to report the applicant's or borrower's age does not apply to the covered loan or application that your institution is reporting.

b. Use Code 9999 in the co-applicant field if there are no co-applicants or co-borrowers.

i. If there is more than one co-applicant or co-borrower, provide the required information only for the first co-applicant or co-borrower listed on the collection form.

Enter, in dollars, rounded to the nearest thousand, the gross annual income relied on in making the credit decision, or if a credit decision was not made, the gross annual income relied on in processing the application (round $500 up to the next $1,000). The HMDA Platform can accept negative numbers for Income.

Example: If the income amount is $35,500, enter 36. If the income amount is $50,000, enter 50.

a. Enter "NA" if the requirement to report gross annual income does not apply to the covered loan or application that your institution is reporting.

(2-58)Paragraph 4(a)(11) — Type of Purchaser.

Indicate the type of entity purchasing a covered loan from your institution within the same calendar year that your institution originated or purchased the loan by entering the applicable Code from the following:

Code 0—Not applicable

Code 1—Fannie Mae

Code 2—Ginnie Mae

Code 3—Freddie Mac

Code 4—Farmer Mac

Code 5—Private securitizer

Code 6—Commercial bank, savings bank, or savings association

Code 71—Credit union, mortgage company, or finance company

Code 72—Life insurance company

Code 8—Affiliate institution

Code 9—Other type of purchaser

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

(2-59)Paragraph 4(a)(12) — Rate Spread.

Enter, as a percentage, to at least three (3) decimal places, the difference between the covered loan's annual percentage rate (APR) and the average prime offer rate (APOR) for a comparable transaction as of the date the interest rate is set. Numbers calculated to beyond three (3) decimal places may either be reported beyond three (3) decimal places, up to 15 decimal places, or rounded or truncated to three (3) decimal places. Decimal place trailing zeros may either be included or omitted. The HMDA Platform can accept negative numbers for Rate Spread.

a. If the APR exceeds the APOR, enter a positive number.

If the APR is 3.678% and the APOR is 3.25%, enter 0.428.

If the APR is 4.560% and the APOR is 4.25%, enter either 0.31 or 0.310

b. If the APR is less than the APOR, enter a negative number.

If the APR 3.1235% and the APOR is 3.25%, enter -0.1265. Alternatively, the rate spread may be truncated to -0.126 or rounded to -0.127.

c. Enter "NA" if the requirement to report rate spread does not apply to the covered loan or application that your institution is reporting.

d. Enter "Exempt" if, pursuant to the 2018 HMDA Rule, your institution is not reporting Rate Spread.

(2-60)Paragraph 4(a)(13) — HOEPA Status.

Indicate whether the covered loan is a high-cost mortgage under Regulation Z, 12 CFR 1026.32(a) by entering the applicable Code from the following:

Code 1—High-cost mortgage

Code 2—Not a high-cost mortgage

Code 3—Not applicable

a. Use Code 3 if the requirement to report HOEPA status does not apply to the covered loan that your institution is reporting.

(2-61)Paragraph 4(a)(14) — Lien Status.

Indicate the lien status of the property securing the covered loan, or in the case of an application, proposed to secure the covered loan, by entering the applicable Code from the following:

Code 1—Secured by a first lien

Code 2—Secured by a subordinate lien

(2-62 to 2-67)Paragraph 4(a)(15) — Credit Score of Applicant or Borrower.

Credit Score of Applicant or Borrower. Enter, in numeral form, the credit score, or scores relied on in making the credit decision for the applicant or borrower, or of the first co-applicant or co-borrower, as applicable. If Regulation C requires your institution to report a single score that corresponds to multiple applicants or borrowers, report the score in either the applicant field or the co-applicant field. Or, enter the applicable Code from the following:

Code 7777—Credit score is not a number

Code 8888—Not applicable

Code 9999—No co-applicant

Example: If the credit score is 650, enter 650.

a. Use Code 8888 if the requirement to report the credit score does not apply to the covered loan or application that your institution is reporting.

i. If Regulation C requires your institution to report a single score for a covered loan or application involving multiple applicants or borrowers, either report the credit score in the applicant field and use Code 8888 in the co-applicant field or report the credit score in the co-applicant field and use Code 8888 in the applicant field.

b. Use Code 9999 in the co-applicant field if there are no co-applicants or co-borrowers.

c. Use Code 7777 if your institution relied on a credit score that is not a number (e.g., a credit score of "Meets Threshold"). Code 7777 should not be used if a credit scoring model that produces numeric credit scores returns a result stating that the credit score could not be determined.

d. Enter "1111" if, pursuant to the 2018 HMDA Rule, your institution is not reporting Credit Score.

Name and Version of Credit Scoring Model. Indicate the name and version of the credit scoring model used to generate the credit score, or scores, relied on in making the credit decision by entering the applicable Code from the following:

Code 1—Equifax Beacon 5.0

Code 2—Experian Fair Isaac Risk Model v2

Code 3—TransUnion FICO Risk Score Classic 04

Code 4—TransUnion FICO Risk Score Classic 98

Code 5—VantageScore 2.0

Code 6—VantageScore 3.0

Code 7—More than one credit scoring model

Code 8—Other credit scoring model

Code 9—Not applicable

Code 10—No co-applicant

Code 11—FICO Score 9

Code 12-FICO Score 8

Code 13-FICO Score 10

Code 14-FICO Score 10T

Code 15-VantageScore 4.0

a. Use Code 1 for Equifax Beacon 5.0, which may also be known as FICO Score 5.

b. Use Code 2 for Experian Fair/Isaac Risk Model v2, which may also be known as FICO Score 2 or FICO Classic v2.

c. Use Code 3 for TransUnion FICO Risk Score Classic 04, which may also be known as FICO Score 4 or TU-04.

d. Use Code 4 for TransUnion FICO Risk Score Classic 98, which may also be known as FICO 98 or TU-98.

e. Use Code 9 if the requirement to report the name and version of the credit scoring model does not apply to the covered loan or application that your institution is reporting.

i. If Regulation C requires your institution to report a single score for a covered loan or application involving multiple applicants or borrowers, either report the name and version of the credit scoring model, or that multiple credit scoring models were used, in the applicant field, and use Code 9 in the co-applicant field; or report the name and version of the credit scoring model, or that multiple credit scoring models were used, in the co-applicant field and use Code 9 in the applicant field.

f. Use Code 10 in the co-applicant field if there are no co-applicants or co-borrowers.

g. Use Code 11 for FICO Score 9, which also may be known as FICO 9.

h. Use Code 12 for FICO Score 8, which also may be known as FICO 8.

i. Use Code 13 for FICO Score 10, which also may be known as FICO 10.

j. Use Code 14 for FICO Score 10T, which also may be known as FICO 10T.

k. Use Code 1111 if, pursuant to the 2018 HMDA Rule, your institution is not reporting Credit Score.

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

(2-68 to 2-72) Paragraph 4(a)(16) — Reason for Denial.

Reason for Denial. Indicate the principal reason, or reasons, for denial by entering up to four (4) applicable Codes from the following:

Code 1—Debt-to-income ratio

Code 2—Employment history

Code 3—Credit history

Code 5—Insufficient cash (downpayment, closing costs)

Code 6—Unverifiable information

Code 7—Credit application incomplete

Code 8—Mortgage insurance denied

Code 10—Not applicable

a. Do not enter the same code more than once for any covered loan or application.

b. Use Code 10 if the requirement to report reasons for denial does not apply to the covered loan or application that your institution is reporting. Leave the remaining Reason for Denial data fields blank.

c. Use Code 1111 if, pursuant to the 2018 HMDA Rule, your institution is not reporting Reason for Denial. Leave the remaining Reason for Denial data fields blank.

d. If there are fewer than four principal (4) reasons for denial, leave the remaining Reason for Denial data fields blank.

e. If your institution uses the model form contained in Appendix C to Regulation B, 12 CFR part 1002 (Form C–1, Sample Notice of Action Taken and Statement of Reasons), use the foregoing Codes as follows:

Code 1—Income insufficient for amount of credit requested, and Excessive obligations in relation to income

Code 2—Temporary or irregular employment, and Length of employment

Code 3—Insufficient number of credit references provided; Unacceptable type of credit references provided; No credit file; Limited credit experience; Poor credit performance with us; Delinquent past or present credit obligations with others; Number of recent inquiries on credit bureau report; Garnishment, attachment, foreclosure, repossession, collection action, or judgment; and Bankruptcy

Code 4—Value or type of collateral not sufficient

Code 6—Unable to verify credit references; Unable to verify employment; Unable to verify income; and Unable to verify residence

Code 7—Credit application incomplete

Code 9—Length of residence; Temporary residence; and Other reasons specified on the adverse action notice.

Reason for Denial Conditional Free Form Text Field for Code 9. If Code 9 is selected in any Reason for Denial field, enter the specific other reason(s) for denial not listed above. The maximum number of characters for this field is 255 characters, including spaces. If 9 is not entered, leave this field blank.

(2-73 to 2-74)Paragraph 4(a)(17) — Total Loan Costs or Total Points and Fees.

Enter either Total Loan Costs or Total Points and Fees or indicate that neither reporting requirement applies by entering "NA" for both.

Enter, in dollars, the amount of total loan costs. If the amount is zero, enter 0.

Example: If the total loan costs are $2,399.04, enter 2399.04.

a. Enter "NA" if the requirement to report total loan costs does not apply to the covered loan or application that your institution is reporting.

b. Enter "Exempt" if, pursuant to the 2018 HMDA Rule, your institution is not reporting Total Loan Costs or Total Points and Fees.

Enter, in dollars, the total points and fees charged in connection with the covered loan. If the amount is zero, enter 0.

Example: If the total points and fees are $2,399.04, enter 2399.04.

c. Enter "NA" if the requirement to report total points and fees does not apply to the covered loan or application that your institution is reporting.

d. Enter "Exempt" if, pursuant to the 2018 HMDA Rule, your institution is not reporting Total Loan Costs or Total Points and Fees.

(2-75)Paragraph 4(a)(18) — Origination Charges.

Enter, in dollars, the total of all itemized amounts that are designated borrower-paid at or before closing. If the total is zero, enter 0.

Example: If the origination charges are $2,399.04, enter 2399.04.

a. Enter "NA" if the requirement to report origination charges does not apply to the covered loan or application that your institution is reporting.

b. Enter "Exempt" if, pursuant to the 2018 HMDA Rule, your institution is not reporting Total Loan Costs or Total Points and Fees.

(2-76)Paragraph 4(a)(19) — Discount Points.

Enter, in dollars, the points paid to the creditor to reduce the interest rate. If no points were paid, leave this field blank.

Example: If the amount paid for discount points is $2,399.04, enter 2399.04.

a. Enter "NA" if the requirement to report discount points does not apply to the covered loan or application that your institution is reporting.

b. Enter "Exempt" if, pursuant to the 2018 HMDA Rule, your institution is not reporting Discount Points.

(2-77)Paragraph 4(a)(20) — Lender Credits.

Enter, in dollars, the amount of lender credits. If no lender credits were provided, leave this field blank.

Example: If the amount is $1500.24, enter 1500.24.

a. Enter "NA" if the requirement to report lender credits does not apply to the covered loan or application that your institution is reporting.

b. Enter "Exempt" if, pursuant to the 2018 HMDA Rule, your institution is not reporting Lender Credits.

(2-78)Paragraph 4(a)(21) — Interest Rate.

Enter, as a percentage, to at least three (3) decimal places, the interest rate. Numbers calculated to beyond three (3) decimal places may either be reported beyond three (3) decimal places or rounded or truncated to three (3) decimal places. Decimal place trailing zeros may either be included or omitted. The HMDA Platform can accept up to 15 decimal places for the Interest Rate.

Example: If the interest rate is 4.125%, enter 4.125.

If the interest rate is exactly 4.500%, enter 4.5, 4.50, or 4.500.

a. Enter "NA" if the requirement to report interest rate does not apply to the covered loan or application that your institution is reporting.

b. Enter "Exempt" if, pursuant to the 2018 HMDA Rule, your institution is not reporting Interest Rate.

c. Enter 0 if the interest rate is 0.

(2-79)Paragraph 4(a)(22) — Prepayment Penalty Term.

Enter, in numeral form, the term, in months, of any prepayment penalty.

Example: If a prepayment penalty may be imposed within the first 24 months after closing or account opening, enter 24.

a. Enter "NA" if the requirement to report prepayment penalty term does not apply to the covered loan or application that your institution is reporting.

b. Enter "Exempt" if, pursuant to the 2018 HMDA Rule, your institution is not reporting Prepayment Penalty Term.

(2-80)Paragraph 4(a)(23) — Debt-to-Income Ratio.

Enter, as a percentage, the ratio of the applicant's or borrower's total monthly debt to the total monthly income relied on in making the credit decision. Use decimal places only if the ratio relied upon uses decimal places. The HMDA Platform can accept up to 15 decimal places and can accept negative numbers for Debt-to-Income Ratio.

Example: If the relied upon debt-to-income ratio is 42.95, enter 42.95, and not 43.

If, however, your institution rounded the ratio up to 43% and relied on the rounded-up number, enter 43.

a. Enter "NA" if the requirement to report debt-to-income ratio does not apply to the covered loan or application that your institution is reporting. b. Enter "Exempt" if, pursuant to the 2018 HMDA Rule, your institution is not reporting Debt-to-Income Ratio.

(2-81)Paragraph 4(a)(24) — Combined Loan-to-Value Ratio.

Enter, as a percentage, the ratio of the total amount of debt secured by the property to the value of the property relied on in making the credit decision. Use decimal places only if the ratio relied upon uses decimal places. The HMDA Platform can accept up to 15 decimal places for the Combined Loan-to-Value Ratio.

Example: If the relied upon combined loan-to-value ratio is 80.05, enter 80.05, and not 80.

If, however, your institution rounded the ratio down to 80 and relied on the rounded-down number, enter 80.

a. Enter "NA" if the requirement to report combined loan-to-value ratio does not apply to the covered loan or application that your institution is reporting.

b. Enter "Exempt" if, pursuant to the 2018 HMDA Rule, your institution is not reporting Combined Loan-to-Value Ratio.

(2-82)Paragraph 4(a)(25) — Loan Term.

Enter, in numeral form, the number of months after which the legal obligation will mature or terminate, or would have matured or terminated.

Example: If the loan term is 360 months, enter 360.

a. Enter "NA" if the requirement to report loan term does not apply to the covered loan or application that your institution is reporting.

b. Enter "Exempt" if, pursuant to the 2018 HMDA Rule, your institution is not reporting Loan Term.

(2-83)Paragraph 4(a)(26) — Introductory Rate Period.

Enter, in numeral form, the number of months, or proposed number of months in the case of an application, until the first date the interest rate may change after closing or account opening.

Example: If the introductory rate period is 24 months, enter 24.

a. Enter "NA" if the requirement to report introductory rate period does not apply to the covered loan or application that your institution is reporting.

b. Enter "Exempt" if, pursuant to the 2018 HMDA Rule, your institution is not reporting Introductory Rate Period.

(2-84)Paragraph 4(a)(27)(i) — Balloon Payment.

Indicate whether the contractual terms include, or would have included, a balloon payment by entering the applicable Code from the following:

Code 1—Balloon payment

Code 2—No balloon payment

Use Code 1111 if, pursuant to the 2018 HMDA Rule, your institution is not reporting Balloon Payment.

(2-85) Paragraph 4(a)(27)(ii) — Interest-Only Payments.

Indicate whether the contractual terms include, or would have included, interest-only payments by entering the applicable Code from the following:

Code 1—Interest-only payments

Code 2—No interest-only payments

Use Code 1111 if, pursuant to the 2018 HMDA Rule, your institution is not reporting Interest-Only Payments.

(2-86) Paragraph 4(a)(27)(iii) — Negative Amortization.

Indicate whether the contractual terms include, or would have included, a term that would cause the covered loan to be a negative amortization loan by entering the applicable Code from the following:

Code 1—Negative amortization

Code 2—No negative amortization

Use Code 1111 if, pursuant to the 2018 HMDA Rule, your institution is not reporting Negative Amortization.

(2-87)Paragraph 4(a)(27)(iv) — Other Non-Amortizing Features.

Indicate whether the contractual terms include, or would have included, any term, other than those described in Paragraphs 1003.4(a)(27)(i), (ii), and (iii) that would allow for payments other than fully amortizing payments during the loan term by entering the applicable Code from the following:

Code 1—Other non-fully amortizing features

Code 2—No other non-fully amortizing features

Use Code 1111 if, pursuant to the 2018 HMDA Rule, your institution is not reporting Other Non-Amortizing Features.

(2-88)Paragraph 4(a)(28) — Property Value.

Enter, in dollars, the value of the property securing the covered loan or, in the case of an application, proposed to secure the covered loan, relied on in making the credit decision.

Example: If the property value is $350,500, enter 350500.

a. Enter "NA" if the requirement to report property value does not apply to the covered loan or application that your institution is reporting.

b. Enter "Exempt" if, pursuant to the 2018 HMDA Rule, your institution is not reporting Property Value.

(2-89)Paragraph 4(a)(29) — Manufactured Home Secured Property Type

Indicate whether the covered loan or application is, or would have been, secured by a manufactured home and land, or by a manufactured home and not land, by entering the applicable Code from the following:

Code 1—Manufactured home and land

Code 2—Manufactured home and not land

Code 3—Not applicable

a. Use Code 3 if the requirement to report manufactured home secured property type does not apply to the covered loan or application that your institution is reporting.

b. Use Code 1111 if, pursuant to the 2018 HMDA Rule, your institution is not reporting Manufactured Home Secured Property Type.

(2-90) Paragraph 4(a)(30) — Manufactured Home Land Property Interest.

Indicate the applicant's or borrower's land property interest in the land on which a manufactured home is, or will be, located by entering the applicable Code from the following:

Code 1—Direct ownership

Code 2—Indirect ownership

Code 3—Paid leasehold

Code 4—Unpaid leasehold

Code 5—Not applicable

a. Use Code 5 if the requirement to report manufactured home land property interest does not apply to the covered loan or application that your institution is reporting.

b. Use Code 1111 if, pursuant to the 2018 HMDA Rule, your institution is not reporting Manufactured Home Land Property Interest.

(2-91)Paragraph 4(a)(31) — Total Units.

Enter, in numeral form, the number of individual dwelling units related to the property securing the covered loan or, in the case of an application, proposed to secure the covered loan.

Example: If there are five (5) individual dwelling units, enter 5. 4.

(2-92)Paragraph 4(a)(32) — Multifamily Affordable Units.

Enter, in numeral form, the number of individual dwelling units related to any multifamily dwelling property securing the covered loan or, in the case of an application, proposed to secure the covered loan, that are income-restricted pursuant to Federal, State, or local affordable housing programs.

Example: If there are five (5) multifamily affordable units, enter 5.

a. Enter "0" for a covered loan or application related to a multifamily dwelling that does not contain any such income-restricted individual dwelling units.

b. Enter "NA" if the requirement to report multifamily affordable units does not apply to the covered loan or application that your institution is reporting.

c. Enter "Exempt" if, pursuant to the 2018 HMDA Rule, your institution is not reporting Multifamily Affordable Units.

(2-93 to 2-94)Paragraph 4(a)(33) — Application Channel.

Submission of Application. Indicate whether the applicant or borrower submitted the application directly to your institution by entering the applicable Code from the following:

Code 1—Submitted directly to your institution

Code 2—Not submitted directly to your institution

Code 3—Not applicable

a. Use Code 3 if the requirement to report whether the applicant or borrower submitted the application directly to your institution does not apply to the covered loan or application that your institution is reporting.

b. Use Code 1111 if, pursuant to the 2018 HMDA Rule, your institution is not reporting Submission of Application.

Initially Payable to Your Institution. Indicate whether the obligation arising from the covered loan was, or, in the case of an application, would have been, initially payable to your institution by entering the applicable Code from the following:

Code 1—Initially payable to your institution

Code 2—Not initially payable to your institution

Code 3—Not applicable

a. Use Code 3 if the requirement to report whether the obligation arising from the covered loan was, or, in the case of an application, would have been, initially payable to your institution does not apply to the covered loan or application that your institution is reporting.

b. Use Code 1111 if, pursuant to the 2018 HMDA Rule, your institution is not reporting Initially Payable to Your Institution.

(2-95)Paragraph 4(a)(34) — Mortgage Loan Originator NMLSR Identifier.

Enter the Nationwide Mortgage Licensing System and Registry mortgage loan originator unique identifier (NMLSR ID) for the mortgage loan originator, NA, or Exempt. The NMLSR ID should not include zeros that are not part of the NMLSR ID (e.g., if the NMLSR ID is 64573, it should be entered as 64573, not 00064573). The HMDA Platform can accept a value with, at most, nine integers (e.g., 214748364).

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

Enter "Exempt" if, pursuant to the 2018 HMDA Rule, your institution is not reporting NMLSR ID. 11.

(2-96 to 2-107) Paragraph 4(a)(35) — Automated Underwriting System (AUS) and Result.

Automated Underwriting System. Indicate the automated underwriting system(s) (AUS) used by your institution to evaluate the application by entering up to five (5) of the applicable Codes from the following:

Code 1—Desktop Underwriter (DU)

Code 2—Loan Prospector (LP) or Loan Product Advisor

Code 3—Technology Open to Approved Lenders (TOTAL) Scorecard

Code 4—Guaranteed Underwriting System (GUS)

Code 6—Not applicable

Code 7—Internal Proprietary System

a. If fewer than five (5) automated underwriting systems were used by your institution to evaluate the application, leave the remaining Automated Underwriting System data fields blank.

b. Use Code 1111 if, pursuant to the 2018 HMDA Rule, your institution is not reporting Automated Underwriting System.

c. Use Code 5 if your institution uses an Automated Underwriting System that 1) is not listed in the enumerated Automated Underwriting Systems, and 2) is not an internal proprietary system. Enter the name of the Automated Underwriting System in the Automated Underwriting System Conditional Free Form Text Field for Code 5 data field.

d. Use Code 6 if the requirement to report an AUS does not apply to the covered loan or application that your institution is reporting. Leave the remaining Automated Underwriting System data fields blank.

e. Use Code 7 if your institution uses an Automated Underwriting System that 1) is not listed in the enumerated Automated Underwriting Systems, and 2) is an internal proprietary system.

f. If your institution uses an Automated Underwriting System that is already listed as a valid value for Automated Underwriting Systems and is not Code 5 - Other (i.e., Codes 1, 2, 3, etc.), do not enter the name of Automated Underwriting System into the Automated Underwriting System Conditional Free Form Text Field for Code 5 data field. Instead, choose the corresponding code for your input. For example, the Automated Underwriting System Desktop Underwriter (DU) should be coded as 1, and not submitted in the free form text field as "Desktop Underwriter (DU)". Instead, enter the applicable code(s) in the Automated Underwriting System fields.

Automated Underwriting System Conditional Free Form Text Field for Code 5. If Code 5 is selected in any Automated Underwriting System field, enter the name of the specific other AUS(s) not listed above. Enter more than one other Automated Underwriting System, as applicable. The maximum number of characters for this field is 255 characters, including spaces. If 5 is not entered, leave this field blank.
Automated Underwriting System Result. Indicate the result(s) generated by the automated underwriting system (AUS) previously indicated by entering the applicable Code(s) from the following:

Code 5—Refer with Caution

Code 6—Out of Scope

Code 15—Unable to Determine or Unknown

Code 17—Not applicable

Code 18 – Accept/Eligible

Code 19 – Accept/Ineligible

Code 20 – Accept/Unable to Determine

Code 21 – Refer with Caution/Eligible

Code 22 – Refer with Caution/Ineligible

Code 23 – Refer/Unable to Determine

Code 24 - Refer with Caution/Unable to Determine

a. The AUS of the Federal National Mortgage Association (Fannie Mae) commonly returns results that correspond to Codes 1, 2, 3, 4, 5, 6, 7, and 15. If your result(s) differ, report the AUS result(s) received.

b. The AUS of the Federal Home Loan Mortgage Corporation (Freddie Mac) commonly returns results that correspond to Codes 8, 9, 10, 11, 12, and 13. If more than one result is returned on the Feedback Certificate, report the Risk Class result. If your result(s) differ, report the AUS result(s) received.

c. The FHA TOTAL Scorecard AUS commonly returns results that correspond to Codes 1, 2, 3, 4, 8, 13, 18, and 19. If your results differ, report the AUS result(s) received.

d. The GUS AUS commonly returns results that correspond to Codes 3, 4, 10, 15, 18, 19, 20, 21, 22, 23 and 24. If your result(s) differ, report the AUS result(s) received.

e. Use Code 17 if the requirement to report an AUS result does not apply to the covered loan or application that your institution is reporting. Leave the remaining Automated Underwriting System Result data fields blank.

f. If fewer than five (5) results were generated by the automated underwriting system(s) previously indicated, leave the remaining Automated Underwriting System Result data fields blank.

g. Use Code 1111 if, pursuant to the 2018 HMDA Rule, your institution is not reporting Automated Underwriting System Result.

h. If your institution uses an Automated Underwriting System Result value that is listed in the Automated Underwriting System Results and is not Code 16 - Other (i.e., Codes 1, 2, 3, etc.), do not enter this value into the Automated Underwriting System Result Conditional Free Form Text Field for Code 16 data field. For example, an Automated Underwriting System Result of Accept/Eligible should be coded as 18, and not listed as "Accept/Eligible" in the free form text field. Instead, enter the applicable code(s) in the for Automated Underwriting System Result fields.

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

(2-108)Paragraph 4(a)(36) — Reverse Mortgage.

Indicate whether the covered loan is, or the application is for, a reverse mortgage by entering the applicable Code from the following:

Code 1—Reverse mortgage

Code 2—Not a reverse mortgage

Use Code 1111 if, pursuant to the 2018 HMDA Rule, your institution is not reporting Reverse Mortgage.

(2-109)Paragraph 4(a)(37) — Open-End Line of Credit.

Indicate whether the covered loan is, or the application is for, an open-end line of credit by entering the applicable Code from the following:

Code 1—Open-end line of credit

Code 2—Not an open-end line of credit

Use Code 1111 if, pursuant to the 2018 HMDA Rule, your institution is not reporting Open End Line of Credit.

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

Indicate whether the covered loan is, or the application is for a covered loan that will be made, primarily for a business or commercial purpose by entering the applicable Code from the following:

Code 1—Primarily for a business or commercial purpose

Code 2—Not primarily for a business or commercial purpose

Use Code 1111 if, pursuant to the 2018 HMDA Rule, your institution is not reporting Business or Commercial Purpose.

5. 2024 Edit Specifications

5.1 Introduction

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

Syntactical: Edits that check whether the loan/application register is in the correct format and whether the data covers the correct filing year. A syntactical edit occurs, for example, if none of the rows in the loan/application register begin with the number two (2) to indicate that the following data fields contain information relating to the reported loan or application. The loan/application register cannot be submitted until the filer corrects all syntactical edit errors and re-uploads the updated loan/application register to the HMDA Platform.
Validity : Edits that check whether there are valid values in each data field. A validity edit occurs, for example, if the contact person’s telephone number does not follow the format “999-999-9999.” The loan/application register cannot be submitted until the filer corrects all validity edit errors and re-uploads the updated loan/application register to the HMDA Platform.
Quality: Edits that check whether entries in the individual data fields or combinations of data fields conform to expected values. A quality edit occurs, for example, if the reported Tax Identification Number does not match the Tax Identification Number the institution reported on the previous year’s loan/application register. The loan/application register cannot be submitted until the filer either confirms the accuracy of all values flagged by quality edits in the HMDA Platform or corrects the flagged values and re-uploads the updated loan/application register to the HMDA Platform.
Macro Quality:Edits that check whether the submitted loan/application register as a whole conforms to expected values. A macro quality edit occurs, for example, if the reported percentage of multifamily loans exceeds 10% of the loan/application register entries. The loan/application register cannot be submitted until the filer either confirms 95 the accuracy of all the values flagged by the macro quality edits in the HMDA Platform or corrects the flagged values and re-uploads the updated loan/application register to the HMDA Platform.

2024 FIG (Filing Instructions Guide)

1.1 Changes to the Submission Process for Data Collected in 2024​

1.2 2024 File Specifications​

1.3 2024 Data Specifications​

1.4 2024 Edit Specifications​

2. Changes to the Submission Process for Data Collected in 2024​

2.1 Items that have changed:​

2.2 Items that have not changed:​

The data fields to be collected and reported have not changed:​

The loan/application register file format for submitting your HMDA data:​

The way you submit your HMDA data:​

The following submission methods will not be permitted:​

The process by which you validate the edit report:​

The edit report will be web-based:​

The agency with which you file resubmissions of your HMDA data:​

The Officer Certification process:​

The contact information for HMDA Help:​

3. 2024 File Specifications​

3.1 Introduction​

3.2 Submission instructions​

3.3 Loan/Application Register format​

3.4 Information regarding data fields​

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

TABLE 2: LOAN/APPLICATION REGISTER​

4. 2024 Data Specifications​

4.1 Introduction​

4.2 Data format and itemization​

4.2.1 Filing institution, reporting period, and contact information​

(1-2) Paragraph 5(a)(3)(i) — Financial Institution.​

(1-3 to 1-4) Paragraph 5(a)(3)(ii) — Calendar Year and Calendar Quarter.​

(1-5 to 1-11) Paragraph 5(a)(3)(iii) — Contact Person.​

(1-12) Paragraph 5(a)(3)(iv) — Federal Agency.​

(1-13) Paragraph 5(a)(3)(v) — Total Number of Entries Contained in Submission.​

(1-14) Paragraph 5(a)(3)(vi) — Federal Taxpayer Identification Number.​

(1-15 and 2-2)Paragraph 5(a)(3)(vii) — Legal Entity Identifier (LEI).​

4.2.2 Loan/Application Register​

(2-3) Paragraph 4(a)(1)(i) — Universal Loan Identifier (ULI) or Non-Universal Loan Identifier (NULI)​

(2-4) Paragraph 4(a)(1)(ii) — Application Date.​

(2-5)Paragraph 4(a)(2) — Loan Type.​

(2-6) Paragraph 4(a)(3) — Loan Purpose.​

(2-7) Paragraph 4(a)(4) — Preapproval.​

(2-8) Paragraph 4(a)(5) — Construction Method.​

(2-9) Paragraph 4(a)(6) — Occupancy Type.​

(2-10) Paragraph 4(a)(7) — Loan Amount.​

(2-11) Paragraph 4(a)(8)(i) — Action Taken.​

(2-12) Paragraph 4(a)(8)(ii) — Action Taken Date.​

(2-13 to 2-18) Paragraph 4(a)(9) — Location of Property Securing (or Proposed to Secure) the Covered Loan.​

(2-19 to 2-57)Paragraph 4(a)(10) — Applicant or Borrower Information.​

(2-58)Paragraph 4(a)(11) — Type of Purchaser.​

(2-59)Paragraph 4(a)(12) — Rate Spread.​

(2-60)Paragraph 4(a)(13) — HOEPA Status.​

(2-61)Paragraph 4(a)(14) — Lien Status.​

(2-62 to 2-67)Paragraph 4(a)(15) — Credit Score of Applicant or Borrower.​

(2-68 to 2-72) Paragraph 4(a)(16) — Reason for Denial.​

(2-73 to 2-74)Paragraph 4(a)(17) — Total Loan Costs or Total Points and Fees.​

(2-75)Paragraph 4(a)(18) — Origination Charges.​

(2-76)Paragraph 4(a)(19) — Discount Points.​

(2-77)Paragraph 4(a)(20) — Lender Credits.​

(2-78)Paragraph 4(a)(21) — Interest Rate.​

(2-79)Paragraph 4(a)(22) — Prepayment Penalty Term.​

(2-80)Paragraph 4(a)(23) — Debt-to-Income Ratio.​

(2-81)Paragraph 4(a)(24) — Combined Loan-to-Value Ratio.​

(2-82)Paragraph 4(a)(25) — Loan Term.​

(2-83)Paragraph 4(a)(26) — Introductory Rate Period.​

(2-84)Paragraph 4(a)(27)(i) — Balloon Payment.​

(2-85) Paragraph 4(a)(27)(ii) — Interest-Only Payments.​

(2-86) Paragraph 4(a)(27)(iii) — Negative Amortization.​

(2-87)Paragraph 4(a)(27)(iv) — Other Non-Amortizing Features.​

(2-88)Paragraph 4(a)(28) — Property Value.​

(2-89)Paragraph 4(a)(29) — Manufactured Home Secured Property Type​

(2-90) Paragraph 4(a)(30) — Manufactured Home Land Property Interest.​

(2-91)Paragraph 4(a)(31) — Total Units.​

(2-92)Paragraph 4(a)(32) — Multifamily Affordable Units.​

(2-93 to 2-94)Paragraph 4(a)(33) — Application Channel.​

(2-95)Paragraph 4(a)(34) — Mortgage Loan Originator NMLSR Identifier.​

(2-96 to 2-107) Paragraph 4(a)(35) — Automated Underwriting System (AUS) and Result.​

(2-108)Paragraph 4(a)(36) — Reverse Mortgage.​

(2-109)Paragraph 4(a)(37) — Open-End Line of Credit.​

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

5. 2024 Edit Specifications​

1.1 Changes to the Submission Process for Data Collected in 2024

1.2 2024 File Specifications

1.3 2024 Data Specifications

1.4 2024 Edit Specifications

2. Changes to the Submission Process for Data Collected in 2024

2.1 Items that have changed:

2.2 Items that have not changed:

The data fields to be collected and reported have not changed:

The loan/application register file format for submitting your HMDA data:

The way you submit your HMDA data:

The following submission methods will not be permitted:

The process by which you validate the edit report:

The edit report will be web-based:

The agency with which you file resubmissions of your HMDA data:

The Officer Certification process:

The contact information for HMDA Help:

3. 2024 File Specifications

3.1 Introduction

3.2 Submission instructions

3.3 Loan/Application Register format

3.4 Information regarding data fields

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

TABLE 2: LOAN/APPLICATION REGISTER

4. 2024 Data Specifications

4.1 Introduction

4.2 Data format and itemization

4.2.1 Filing institution, reporting period, and contact information

(1-2) Paragraph 5(a)(3)(i) — Financial Institution.

(1-3 to 1-4) Paragraph 5(a)(3)(ii) — Calendar Year and Calendar Quarter.

(1-5 to 1-11) Paragraph 5(a)(3)(iii) — Contact Person.

(1-12) Paragraph 5(a)(3)(iv) — Federal Agency.

(1-13) Paragraph 5(a)(3)(v) — Total Number of Entries Contained in Submission.

(1-14) Paragraph 5(a)(3)(vi) — Federal Taxpayer Identification Number.

(1-15 and 2-2)Paragraph 5(a)(3)(vii) — Legal Entity Identifier (LEI).

4.2.2 Loan/Application Register

(2-3) Paragraph 4(a)(1)(i) — Universal Loan Identifier (ULI) or Non-Universal Loan Identifier (NULI)

(2-4) Paragraph 4(a)(1)(ii) — Application Date.

(2-5)Paragraph 4(a)(2) — Loan Type.

(2-6) Paragraph 4(a)(3) — Loan Purpose.

(2-7) Paragraph 4(a)(4) — Preapproval.

(2-8) Paragraph 4(a)(5) — Construction Method.

(2-9) Paragraph 4(a)(6) — Occupancy Type.

(2-10) Paragraph 4(a)(7) — Loan Amount.

(2-11) Paragraph 4(a)(8)(i) — Action Taken.

(2-12) Paragraph 4(a)(8)(ii) — Action Taken Date.

(2-13 to 2-18) Paragraph 4(a)(9) — Location of Property Securing (or Proposed to Secure) the Covered Loan.

(2-19 to 2-57)Paragraph 4(a)(10) — Applicant or Borrower Information.

(2-58)Paragraph 4(a)(11) — Type of Purchaser.

(2-59)Paragraph 4(a)(12) — Rate Spread.

(2-60)Paragraph 4(a)(13) — HOEPA Status.

(2-61)Paragraph 4(a)(14) — Lien Status.

(2-62 to 2-67)Paragraph 4(a)(15) — Credit Score of Applicant or Borrower.

(2-68 to 2-72) Paragraph 4(a)(16) — Reason for Denial.

(2-73 to 2-74)Paragraph 4(a)(17) — Total Loan Costs or Total Points and Fees.

(2-75)Paragraph 4(a)(18) — Origination Charges.

(2-76)Paragraph 4(a)(19) — Discount Points.

(2-77)Paragraph 4(a)(20) — Lender Credits.

(2-78)Paragraph 4(a)(21) — Interest Rate.

(2-79)Paragraph 4(a)(22) — Prepayment Penalty Term.

(2-80)Paragraph 4(a)(23) — Debt-to-Income Ratio.

(2-81)Paragraph 4(a)(24) — Combined Loan-to-Value Ratio.

(2-82)Paragraph 4(a)(25) — Loan Term.

(2-83)Paragraph 4(a)(26) — Introductory Rate Period.

(2-84)Paragraph 4(a)(27)(i) — Balloon Payment.

(2-85) Paragraph 4(a)(27)(ii) — Interest-Only Payments.

(2-86) Paragraph 4(a)(27)(iii) — Negative Amortization.

(2-87)Paragraph 4(a)(27)(iv) — Other Non-Amortizing Features.

(2-88)Paragraph 4(a)(28) — Property Value.

(2-89)Paragraph 4(a)(29) — Manufactured Home Secured Property Type

(2-90) Paragraph 4(a)(30) — Manufactured Home Land Property Interest.

(2-91)Paragraph 4(a)(31) — Total Units.

(2-92)Paragraph 4(a)(32) — Multifamily Affordable Units.

(2-93 to 2-94)Paragraph 4(a)(33) — Application Channel.

(2-95)Paragraph 4(a)(34) — Mortgage Loan Originator NMLSR Identifier.

(2-96 to 2-107) Paragraph 4(a)(35) — Automated Underwriting System (AUS) and Result.

(2-108)Paragraph 4(a)(36) — Reverse Mortgage.

(2-109)Paragraph 4(a)(37) — Open-End Line of Credit.

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

5. 2024 Edit Specifications

5.1 Introduction