Filing instructions guide for HMDA data collected in 2018

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1 September 2018 Filing instructions guide for HMDA data collected in 2018 OMB Control #

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

3 Date Version Section Changes Added the following edits to account for the Act: V709, V710, V711, V712, V713, V714, V715 Modified the following edits to account for the Act: V608, V622, V624, V657, V660, V662, V663, V664, V665, V667, V668, V669, V670, V672, V673, V674, V675, V676, V677, V678, V679, V680, V681, V682, V683, V684, V685, V686, V687, V688, V689, V690, V692, V693, V694, V696, V704, V705, V706, V707, V708 August Edit Specifications 4. Section 5.3, Table 7 Modified the following edits to account for the Act: Q609, Q615, Q616, Q617, Q Section 5.3, Table 6 Modified the following edits: V651, V655 to exclude purchased loans 1. Section 2.2 and Section 3.3 Updated to provide explicit instructions not to include leading zeros in data fields. February File Specifications; Data Specifications; Edit Specifications 2. Section Updated allowable codes for AUS results produced by the Guaranteed System (GUS). 3. Section 5.3 Table 6 Updated edit V617 to allow a loan amount of Section 5.3 Table 7 Updated edit Q633 to allow additional AUS result code. October File Specifications; Data Specifications; Edit Specifications 1. Section 3.4, Table 2, and Section Updated the name of the code for the Freddie Mac AUS system to include Loan Product Advisor. Updated AUS Result Code 15 to include Unknown. 2. Section Added instructions for the following to account for the GMI transition rule: 3.b Ethnicity Collected on the Basis of Visual Observation or Surname. Previous instruction 3.b. became 3.c. 2

4 Date Version Section Changes 5.b Race Collected on the Basis of Visual Observation or Surname. Previous instruction 5.b.became 5.c. 2.b Sex Collected on the Basis of Visual Observation or Surname. Previous instruction 2.b.became 2.c. 3. Section Updated the name of the code for the Freddie Mac AUS system to include Loan Product Advisor. Updated AUS Result Code 15 to include Unknown. Updated allowable codes for AUS results produced by the Fannie Mae AUS system, Desktop Underwriter. 4. Section 5.2, Table 3 Modified 2018 Revised Edits table with edit revisions and explanations. 5. Section 5.3, Table 6 Modified the following edits: V619 to exclude purchased loans. V629, V632, V636 and V639 with updated allowable reporting of Ethnicity and Race due to the 2017 HMDA Final Rule. V630, V633, V637, V640, V643, V645, V647, and V649 to account for the GMI transition rule. V692 to allow NA in condition Section 5.3, Table 6 and 7 Removed edit V697 and converted it to edit Q643. Removed edit V698 and converted it to edit Q644. August Edit Specifications 7. Section 5.3, Table 7 Modified the following edits: Q614 to account for Age reported NA. Q617 to clarify Loan Amount cannot be reported NA. 1. Section 5.3, Table 7 and 8 Removed edit Q615 from version 3.1 published in 3

5 Date Version Section Changes August Re-aligned edit IDs in table 7 and table 8 with the edit IDs published in version 3.0 in July Section 1.3 Updated to include the amendments in the 2017 HMDA Rule. 2. Section 3.3 Updated loan application/register format to clarify that each covered loan or application should appear on its own line in the loan/application register. 3. Section 3.4, Table 2, and Section Updated description of Loan Type, Code Section 3.4, Table 2, and Section Added Code 5 to Loan Purpose. August What s in the FIG?; File Specifications; Data Specifications; and Edit Specifications 5. Section 3.4, Table 2, Section 4.2.2, and Section 5.3 Table 6 Updated the names of the following data fields: #24 Ethnicity of Applicant or Borrower: Conditional Free Form Text Field for Code 14 to Ethnicity of Applicant or Borrower: Free Form Text Field for Other Hispanic or Latino. #30 Ethnicity of Co-Applicant or Co-Borrower: Conditional Free Form Text Field for Code 14 to Ethnicity of Co-Applicant or Co-Borrower: Free Form Text Field for Other Hispanic or Latino. #38 Race of Applicant or Borrower: Conditional Free Form Text Field for Code 1 to Race of Applicant or Borrower: Free Form Text Field for American Indian or Alaska Native Enrolled or Principal Tribe. #39 Race of Applicant or Borrower: Conditional Free Form Text Field for Code 27 to Race of Applicant or Borrower: Free Form Text Field for Other Asian. #40 Race of Applicant or Borrower: Conditional Free Form Text Field for Code 44 to Race of Applicant or Borrower: Free Form Text Field for Other Pacific Islander. #46 Race of Co-Applicant or Co-Borrower: Conditional Free Form Text Field for Code 1 4

6 Date Version Section Changes to Race of Co-Applicant or Co-Borrower: Free Form Text Field for American Indian or Alaska Native Enrolled or Principal Tribe. #47 Race of Co-Applicant or Co-Borrower: Conditional Free Form Text Field for Code 27 to Race of Co-Applicant or Co-Borrower: Free Form Text Field for Other Asian. #48 Race of Co-Applicant or Co-Borrower: Conditional Free Form Text Field for Code 44 to Race of Co-Applicant or Co-Borrower: Free Form Text Field for Other Pacific Islander. 6. Section 3.4, Table 2 Updated descriptions for the following data fields: #19 Ethnicity of Applicant or Borrower: 1. #24 Ethnicity of Applicant or Borrower: Free Form Text Field for Other Hispanic or Latino. #25 Ethnicity of Co-Applicant or Co-Borrower: 1. #30 Ethnicity of Co-Applicant or Co-Borrower: Free Form Text Field for Other Hispanic or Latino. #33 Race of Applicant or Borrower: 1. #38 Race of Applicant or Borrower: Free Form Text Field for American Indian or Alaska Native Enrolled or Principal Tribe. #39 Race of Applicant or Borrower: Free Form Text Field for Other Asian. #40 Race of Applicant or Borrower: Free Form Text Field for Other Pacific Islander. #41 Race of Co-Applicant or Co-Borrower: 1. #46 Race of Co-Applicant or Co-Borrower: Free Form Text Field for American Indian or Alaska Native Enrolled or Principal Tribe. #47 Race of Co-Applicant or Co-Borrower: Free Form Text Field for Other Asian. #48 Race of Co-Applicant or Co-Borrower: Free Form Text Field for Other Pacific Islander. 7. Section 3.4, Table 2, and Section Added Code 7777 to the following data fields: #62 Credit Score of Applicant or Borrower. 5

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

8 Date Version Section Changes Removed edit V Section 5.3, Table 6. Modified condition two in V672 to remove and the reverse must be true. Added condition five in V Section 5.3, Table 6. Updated the valid values in V691 by removing NA. 18. Section 5.3, Table 7. Updated valid values in Q613 to include Code Section 5.3, Table 7. Added Q642 to address non-numeric credit scores. 1. Section 3.4, Table 1. Updated example for Contact Person s Office State. 2. Section 3.4, Table 1. Updated example for Contact Person s Office ZIP Code. 3. Section 3.4, Table 1; Section 3.4, Table 2; Section 4.2.1; and Section Updated examples for LEI and ULI. July File Specifications; Data Specifications; and Edit Specifications 4. Section 3.4, Table 2, and Section Updated example for Loan Amount. 5. Section 3.4, Table 2; and Section Updated example and data point for State. 6. Section 3.4, Table 2, and Section Updated example for ZIP Code. 7. Section Updated URL for check digit reference. 8. Section Updated instructions and numbering for 1. Ethnicity of Applicant or Borrower (b). 9. Section Updated instructions and numbering for 1. Race of Applicant or Borrower (b). 10. Section Updated instructions for entering Mortgage Loan 7

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

10 Date Version Section Changes characters. July 2016 January All 1.0 File Specifications 2. Section 3.4, Table 2 Added co- to the Descriptions and Examples column for the following data fields: #46 Race of Co-Applicant or Co-Borrower: Conditional Free Form Text Field for Code 1. #47 Race of Co-Applicant or Co-Borrower: Conditional Free Form Text Field for Code 27. Width up to 100 characters. #48 Race of Co-Applicant or Co-Borrower: Conditional Free Form Text Field for Code 44. Publication of the Filing Instructions Guide and its components, including File Specifications as revised. Original Document 9

11 Table of contents Version log... 1 Table of contents Paperwork Reduction Act What s in the FIG? Changes to the Submission Process for Data Collected in File Specifications Data Specifications Edit Specifications Changes to the Submission Process for Data Collected in Items that have changed: Items that have not changed: File Specifications Introduction Submission instructions format Information regarding data fields Data Specifications Introduction Data format and itemization Edit Specifications Introduction

12 Revised Edits Edits Additional information Frequently Asked Questions HMDA Help

13 Paperwork Reduction Act According to the Paperwork Reduction Act of 1995, an agency may not conduct or sponsor, and, not withstanding any other provision of law, a person is not required to respond to a collection of information unless it displays a valid OMB control number. The OMB control number for this collection is The time required to complete this information collection is estimated to average between 9,000 hours and 161 hours per response depending on the size of the institution, per response. The obligation to respond to this collection of information is mandatory per the Home Mortgage Disclosure Act 12 U.S.C , as implemented by Bureau of Consumer Financial Protection s Regulation C, 12 CFR part Comments regarding this collection of information, including the estimated response time, suggestions for improving the usefulness of the information, or suggestions for reducing the burden to respond to this collection should be submitted to the Bureau at the Bureau of Consumer Financial Protection (Attention: PRA Office), 1700 G Street NW, Washington, DC 20552, or by to PRA@cfpb.gov. The other agencies collecting information under this regulation maintain OMB Control numbers for their collections as follows: Office of the Comptroller of the Currency ( ), the Federal Deposit Insurance Corporation ( ), the Federal Reserve System ( ), the Department of Housing and Urban Development (HUD) ( ), the National Credit Union Administration ( ). 12

14 1. What s in the FIG? The 2018 Filing Instructions Guide (FIG) is a compendium of resources to help you file HMDA data you collected in 2018 with the Bureau of Consumer Financial Protection (Bureau) in These resources are briefly described in this section and are further detailed throughout this document in individual sections. The HMDA agencies have agreed that filing HMDA data collected in or after 2017 with the Bureau will be deemed submission to the appropriate Federal agency. 1 The FIG includes the following sections: 1.1 Changes to the Submission Process for Data Collected in 2018 This section provides a summary of the changes made to the submission process for filing HMDA data collected in 2018 with the Bureau. This section may be useful for employees in a variety of roles, for example, your institution s: Compliance Officer Staff who collect, prepare, and submit HMDA data HMDA technology support staff 1 The HMDA agencies are the member agencies of the Federal Financial Institutions Examination Council (FFIEC) the Bureau of Consumer Financial Protection, the Office of the Comptroller of the Currency (OCC), the Federal Deposit Insurance Corporation (FDIC), the Board of Governors of the Federal Reserve System (Board), and the National Credit Union Administration (NCUA), and the Department of Housing and Urban Development (HUD). 13

15 File Specifications This section provides information including valid values, how to format your loan/application register, and how to file your HMDA data collected in 2018 with the Bureau. This section may be useful for employees in a variety of roles, for example, your institution s: Staff who collect, prepare, and submit HMDA data HMDA technology support staff Data Specifications On October 15, 2015, the Bureau issued a final rule (2015 HMDA Final Rule) amending Regulation C. In August 2017, the Bureau issued a final rule amending the 2015 HMDA Rule primarily to make technical corrections and clarifying amendments (2017 HMDA Final Rule). In August 2018, the Bureau issued an interpretive and procedural rule (2018 HMDA Rule) to implement and clarify the amendments to HMDA made by section 104(a) of the Economic Growth, Regulatory Relief, and Consumer Protection Act (the Act). Beginning with data collected in 2018, HMDA filers should report the data points described in the 2015 HMDA Final Rule and the 2017 HMDA Final Rule, as modified by the 2018 HMDA Rule for insured depository institutions and insured credit unions reporting transactions covered by a partial exemption. This section provides instructions for what to enter into each data field in the loan/application register. This section may be useful for employees in a variety of roles, for example, your institution s: Compliance officer Staff who collect, prepare, and submit HMDA data 14

16 Edit Specifications This section lists the edits that financial institutions must run on HMDA data before filing it with the Bureau. This section may be useful for employees in a variety of roles, for example, your institution s: Staff who collect, prepare, and submit HMDA data 15

17 2. Changes to the Submission Process for Data Collected in Items that have changed: The reported data fields have changed: The reported data fields and the valid values for the 2018 data have changed. Please refer to Regulation C, the 2018 HMDA Rule, and the Data Specification section for the requirements. The agency to which you file resubmissions of your HMDA data: A resubmission means that you have already filed your HMDA submission and received a confirmation receipt, but you are submitting again. Beginning with data collected in 2017, filers will resubmit their HMDA data by filing with the Bureau. 2.2 Items that have not changed: The loan/application register file format for submitting your HMDA data: Financial institutions will submit data collected in a pipe delimited text file (.txt). Data fields will be separated by a pipe character,, and will not be fixed length. Do not include leading zeros for the purpose of making a data field a specific number of characters. Additional information regarding the loan/application register file format can be found in the Frequently Asked Questions located at Text entries in alphanumeric fields do not need to use all uppercase letters with the exception of: 16

18 NA used when the reporting requirement is not applicable; and Two-letter state codes A loan/application register formatting tool will be provided to help filers format certain data into a pipe delimited text file. This tool may be especially helpful for filers with small volumes of reported loans that do not use vendor or other software to prepare their HMDA data for submission. Information regarding the loan/application register formatting tool will be located at 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: We recommend that HMDA filers use a modern browser, such as the latest version of Google Chrome, Mozilla Firefox, Internet Explorer 11, Microsoft Edge, or other modern browsers. The following submission methods will not be permitted: PC Diskette and CD-ROM Submission via Web (from the Data Entry Software (DES)) 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 ed to filers in PDF format. Instead, the Bureau edit reports will be viewed and can be downloaded from the HMDA Platform. 17

19 Responses to the edits will not be faxed or ed to the Bureau. The HMDA Platform will guide filers through the process of addressing edits. The Officer Certification process: As part of the submission process, an authorized representative of your institution with knowledge of the data submitted shall certify to the accuracy and completeness of the data submitted. Filers will not fax or the signed certification. The contact information for HMDA Help: Technical questions about reporting HMDA data collected in or after 2017 should be directed to Technical questions about reporting HMDA data collected in or before 2016 should be directed to 18

20 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: We recommend that HMDA filers use a modern browser, such as the latest version of Google Chrome, Mozilla Firefox, Internet Explorer 11, Microsoft Edge, or other modern browsers. The HMDA Platform will walk you through the loan/application register filing process. Certification will also occur within the HMDA Platform. An authorized representative of your institution with knowledge of the data submitted shall certify to the accuracy and completeness of the data submitted. 3.3 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. 19

21 Text entries in alphanumeric fields do not need to use all uppercase letters with the exception of: NA used when the reporting requirement is not applicable; and Two-letter state codes. As with previous submissions: The first row of the loan/application register will begin with the number one (1) to indicate that the data fields in row one contain information relating to your institution. All subsequent rows of the loan/application register will begin with the number two (2) to indicate that the data fields beginning in row two contain data fields for the loan/application register, with information relating to the reported loan or application. Each covered loan or application must appear on its own line in the loan/application register. 3.4 Information regarding data fields Table 1 and Table 2 contain the data field name, data field type, valid values for numeric fields, examples for alphanumeric fields, and the data point name, where applicable. Please refer to Regulation C and the Data Specifications section for details regarding each data field. TABLE 1: FILING INSTITUTION, REPORTING PERIOD, AND CONTACT INFORMATION (TRANSMITTAL SHEET) Data Field Number Data Field Data Field Type Valid Values Descriptions and Examples 1 Record Identifier Value is 1 Numeric 1 2 Financial Institution Alphanumeric Example: Ficus Bank 3 Calendar Year Numeric Example:

22 Data Field Number Data Field Data Field Type Valid Values Descriptions and Examples Calendar Quarter Contact Person s Contact Person s Telephone Number Contact Person s Address Contact Person s Office Street Address Contact Person s Office City Contact Person s Office State Contact Person s Office ZIP Code Numeric 4 Alphanumeric Alphanumeric Alphanumeric Alphanumeric Alphanumeric Alphanumeric Alphanumeric 12 Federal Agency Numeric Description: 4. Annual submissions for covered loans and applications with respect to which final action was taken from January 1st (01/01) and December 31st (12/31) Example: Erika Otis Example: Example: erikaotis@bank.com Example: 4321 W Random Blvd Ste 201 Example: Somecity Example: CA Example: Descriptions: 1. Office of the Comptroller of the Currency (OCC) 2. Federal Reserve System (FRS) 3. Federal Deposit Insurance Corporation (FDIC) 5. National Credit Union Administration (NCUA) 7. United States Department of Housing and Urban Development (HUD) 9. Consumer Financial Protection Bureau (CFPB) 21

23 Data Field Number Data Field Data Field Type Valid Values Descriptions and Examples 13 Total Number of Entries Contained in Submission Numeric Example: Federal Taxpayer Identification Number Alphanumeric Example: Legal Entity Identifier (LEI) Alphanumeric; Width is 20 characters Example: 10Bx939c5543TqA1144M TABLE 2: LOAN/APPLICATION REGISTER Data Field Number Data Field Data Field Type Valid Values Descriptions and Examples 1 Record Identifier Value is 2 Numeric 2 2 Legal Entity Identifier (LEI) Alphanumeric; Width is 20 characters Example: 10Bx939c5543TqA1144M Legal Entity Identifier (LEI) 3 Universal Loan Identifier (ULI) or Non- Universal Loan Identifier (NULI) Alphanumeric; Width up to 45 characters ULI Example: 10Bx939c5543TqA1144M X38 NULI example: X Universal Loan Identifier (ULI) or Non-Universal Loan Identifier (NULI) 4 Application Date Alphanumeric Example: (or) NA Application Date 22

24 Data Field Number Data Field Data Field Type Valid Values Descriptions and Examples 5 Loan Type Numeric 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 Type 6 Loan Purpose Numeric Descriptions: 1. Home purchase 2. Home improvement 31. Refinancing 32. Cash-out refinancing 4. Other purpose 5. Not applicable Loan Purpose 7 Preapproval Numeric 1 2 Descriptions: 1. Preapproval requested 2. Preapproval not requested Preapproval 8 Construction Method Numeric 1 2 Descriptions: 1. Site-built 2. Manufactured Home Construction Method 9 Occupancy Type Numeric Descriptions: 1. Principal residence 2. Second residence 3. Investment property Occupancy Type 10 Loan Amount Numeric Example: (or) Loan Amount 23

25 Data Field Number Data Field Data Field Type Valid Values Descriptions and Examples 11 Action Taken Numeric 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 12 Action Taken Date Numeric Example: Action Taken Date 13 Street Address Alphanumeric Example: 456 W Somewhere Ave Apt 201 (or) NA (or) Exempt Property Address 14 City Alphanumeric Example: Anytown (or) NA (or) Exempt Property Address 15 State 2 Alphanumeric Example: CA (or) NA Property Location & Property Address 16 ZIP Code Alphanumeric Example: (or) NA (or) Exempt Property Address 17 County Alphanumeric Example: (or) NA Property Location 18 Census Tract Alphanumeric Example: (or) NA Property Location 2 Reporting of the State data field is subject to the requirements of both Property Address, provided in (a)(9)(i), and Property Location, provided in (a)(9)(ii). 24

26 Data Field Number Data Field Data Field Type Valid Values Descriptions and Examples 19 Ethnicity of Applicant or Borrower: 1 Numeric Descriptions: 1. Hispanic or Latino 11. Mexican 12. Puerto Rican 13. Cuban 14. Other Hispanic or Latino 2. Not Hispanic or Latino 3. Information not provided by applicant in mail, internet, or telephone application 4. Not applicable If the Applicant or Borrower did not select any ethnicity(ies), but only provided ethnicity(ies) in the Ethnicity of Applicant or Borrower: Free Form Text Field for Other Hispanic or Latino, either leave this this data field blank or enter Code 14. Ethnicity 25

27 Data Field Number Data Field Data Field Type Valid Values Descriptions and Examples 20 Ethnicity of Applicant or Borrower: 2 Numeric 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 26

28 Data Field Number Data Field Data Field Type Valid Values Descriptions and Examples 21 Ethnicity of Applicant or Borrower: 3 Numeric 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 27

29 Data Field Number Data Field Data Field Type Valid Values Descriptions and Examples 22 Ethnicity of Applicant or Borrower: 4 Numeric 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 28

30 Data Field Number Data Field Data Field Type Valid Values Descriptions and Examples Ethnicity of Applicant or Borrower: 5 Ethnicity of Applicant or Borrower: Free Form Text Field for Other Hispanic or Latino Numeric Alphanumeric; Width up to 100 characters 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. 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 Ethnicity 29

31 Data Field Number Data Field Data Field Type Valid Values Descriptions and Examples 25 Ethnicity of Co-Applicant or Co- Borrower: 1 Numeric Descriptions: 1. Hispanic or Latino 11. Mexican 12. Puerto Rican 13. Cuban 14. Other Hispanic or Latino 2. Not Hispanic or Latino 3. Information not provided by applicant in mail, internet, or telephone application 4. Not applicable 5. No co-applicant If the Co-Applicant or 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 30

32 Data Field Number Data Field Data Field Type Valid Values Descriptions and Examples Descriptions: 1. Hispanic or Latino 11. Mexican 12. Puerto Rican 13. Cuban 14. Other Hispanic or Latino 2. Not Hispanic or Latino 26 Ethnicity of Co-Applicant or Co- Borrower: 2 Numeric 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 31

33 Data Field Number Data Field Data Field Type Valid Values Descriptions and Examples Descriptions: 1. Hispanic or Latino 11. Mexican 12. Puerto Rican 13. Cuban 14. Other Hispanic or Latino 2. Not Hispanic or Latino 27 Ethnicity of Co-Applicant or Co- Borrower: 3 Numeric 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 32

34 Data Field Number Data Field Data Field Type Valid Values Descriptions and Examples Descriptions: 1. Hispanic or Latino 11. Mexican 12. Puerto Rican 13. Cuban 14. Other Hispanic or Latino 2. Not Hispanic or Latino 28 Ethnicity of Co-Applicant or Co- Borrower: 4 Numeric 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 33

35 Data Field Number Data Field Data Field Type Valid Values Descriptions and Examples Descriptions: 1. Hispanic or Latino 11. Mexican 12. Puerto Rican 13. Cuban 14. Other Hispanic or Latino 2. Not Hispanic or Latino Ethnicity of Co-Applicant or Co- Borrower: 5 Ethnicity of Co-Applicant or Co- Borrower: Free Form Text Field for Other Hispanic or Latino Ethnicity of Applicant or Borrower Collected on the Basis of Visual Observation or Surname Numeric Alphanumeric; Width up to 100 characters Numeric 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. 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. 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 Ethnicity Ethnicity 34

36 Data Field Number Data Field Data Field Type Valid Values Descriptions and Examples 32 Ethnicity of Co-Applicant or Co- Borrower Collected on the Basis of Visual Observation or Surname Numeric Descriptions: 1. Collected on the basis of visual observation or surname 2. Not collected on the basis of visual observation or surname 3. Not applicable 4. No co-applicant Ethnicity 35

37 33 Race of Applicant or Borrower: 1 Numeric Descriptions: 1. American Indian or Alaska Native 2. Asian 21. Asian Indian 22. Chinese 23. Filipino 24. Japanese 25. Korean 26. Vietnamese 27. Other Asian 3. Black or African American 4. Native Hawaiian or Other Pacific Islander 41. Native Hawaiian 42. Guamanian or Chamorro 43. Samoan 44. Other Pacific Islander 5. White 6. Information not provided by applicant in mail, internet, or telephone application 7. Not applicable If the Applicant or Borrower did not select any race(s) and only provided race(s) in the Race of Applicant or Borrower: Free Form Text Field for American Indian or Alaska Native Enrolled or Principal Tribe, Race of Applicant or Borrower: Free Form Text Field for Other Asian, and/or Race of Applicant or Borrower: Free Form Text Field for Other Pacific Islander, either leave this data field Race 36

38 Data Field Number Data Field Data Field Type Valid Values Descriptions and Examples blank or enter, as appropriate, Code 1, 27, or

39 34 Race of Applicant or Borrower: 2 Numeric Descriptions: 1. American Indian or Alaska Native 2. Asian 21. Asian Indian 22. Chinese 23. Filipino 24. Japanese 25. Korean 26. Vietnamese 27. Other Asian 3. Black or African American 4. Native Hawaiian or Other Pacific Islander 41. Native Hawaiian 42. Guamanian or Chamorro 43. Samoan 44. Other Pacific Islander 5. White If this data field does not contain an entry, leave it blank. If the Applicant or Borrower provided race(s) in the Race of Applicant or Borrower: Free Form Text Field for American Indian or Alaska Native Enrolled or Principal Tribe, Race of Applicant or Borrower: Free Form Text Field for Other Asian, and/or Race of Applicant or Borrower: Free Form Text Field for Other Pacific Islander, and did not select Code 1, 27, or 44, either leave this data field blank or enter Code 1, Race 38

40 Data Field Number Data Field Data Field Type Valid Values Descriptions and Examples 27, or

41 35 Race of Applicant or Borrower: 3 Numeric Descriptions: 1. American Indian or Alaska Native 2. Asian 21. Asian Indian 22. Chinese 23. Filipino 24. Japanese 25. Korean 26. Vietnamese 27. Other Asian 3. Black or African American 4. Native Hawaiian or Other Pacific Islander 41. Native Hawaiian 42. Guamanian or Chamorro 43. Samoan 44. Other Pacific Islander 5. White If this data field does not contain an entry, leave it blank. If the Applicant or Borrower provided race(s) in the Race of Applicant or Borrower: Free Form Text Field for American Indian or Alaska Native Enrolled or Principal Tribe, Race of Applicant or Borrower: Free Form Text Field for Other Asian, and/or Race of Applicant or Borrower: Free Form Text Field for Other Pacific Islander, and did not select Code 1, 27, or 44, either leave this data field blank or enter Code 1, Race 40

42 Data Field Number Data Field Data Field Type Valid Values Descriptions and Examples 27, or

43 36 Race of Applicant or Borrower: 4 Numeric Descriptions: 1. American Indian or Alaska Native 2. Asian 21. Asian Indian 22. Chinese 23. Filipino 24. Japanese 25. Korean 26. Vietnamese 27. Other Asian 3. Black or African American 4. Native Hawaiian or Other Pacific Islander 41. Native Hawaiian 42. Guamanian or Chamorro 43. Samoan 44. Other Pacific Islander 5. White If this data field does not contain an entry, leave it blank. If the Applicant or Borrower provided race(s) in the Race of Applicant or Borrower: Free Form Text Field for American Indian or Alaska Native Enrolled or Principal Tribe, Race of Applicant or Borrower: Free Form Text Field for Other Asian, and/or Race of Applicant or Borrower: Free Form Text Field for Other Pacific Islander, and did not select Code 1, 27, or 44, either leave this data field blank or enter Code 1, Race 42

44 Data Field Number Data Field Data Field Type Valid Values Descriptions and Examples 27, or

45 37 Race of Applicant or Borrower: 5 Numeric Descriptions: 1. American Indian or Alaska Native 2. Asian 21. Asian Indian 22. Chinese 23. Filipino 24. Japanese 25. Korean 26. Vietnamese 27. Other Asian 3. Black or African American 4. Native Hawaiian or Other Pacific Islander 41. Native Hawaiian 42. Guamanian or Chamorro 43. Samoan 44. Other Pacific Islander 5. White If this data field does not contain an entry, leave it blank. If the Applicant or Borrower provided race(s) in the Race of Applicant or Borrower: Free Form Text Field for American Indian or Alaska Native Enrolled or Principal Tribe, Race of Applicant or Borrower: Free Form Text Field for Other Asian, and/or Race of Applicant or Borrower: Free Form Text Field for Other Pacific Islander, and did not select Code 1, 27, or 44, either leave this data field blank or enter Code 1, Race 44

46 Data Field Number Data Field Data Field Type Valid Values Descriptions and Examples 27, or 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 39 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 40 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 45

47 41 Race of Co- Applicant or Co-Borrower: 1 Numeric Descriptions: 1. American Indian or Alaska Native 2. Asian 21. Asian Indian 22. Chinese 23. Filipino 24. Japanese 25. Korean 26. Vietnamese 27. Other Asian 3. Black or African American 4. Native Hawaiian or Other Pacific Islander 41. Native Hawaiian 42. Guamanian or Chamorro 43. Samoan 44. Other Pacific Islander 5. White 6. Information not provided by applicant in mail, internet, or telephone application 7. Not applicable 8. No co-applicant If the Co-Applicant or 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 Race 46

48 Data Field Number Data Field Data Field Type Valid Values Descriptions and Examples Field for Other Pacific Islander, either leave this data field blank or enter, as appropriate, Code 1, 27, or

49 42 Race of Co- Applicant or Co-Borrower: 2 Numeric Descriptions: 1. American Indian or Alaska Native 2. Asian 21. Asian Indian 22. Chinese 23. Filipino 24. Japanese 25. Korean 26. Vietnamese 27. Other Asian 3. Black or African American 4. Native Hawaiian or Other Pacific Islander 41. Native Hawaiian 42. Guamanian or Chamorro 43. Samoan 44. Other Pacific Islander 5. White If this data field does not contain an entry, leave it blank. If the Co-Applicant or 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 Race 48

50 Data Field Number Data Field Data Field Type Valid Values Descriptions and Examples leave this data field blank or enter Code 1, 27, or

51 43 Race of Co- Applicant or Co-Borrower: 3 Numeric Descriptions: 1. American Indian or Alaska Native 2. Asian 21. Asian Indian 22. Chinese 23. Filipino 24. Japanese 25. Korean 26. Vietnamese 27. Other Asian 3. Black or African American 4. Native Hawaiian or Other Pacific Islander 41. Native Hawaiian 42. Guamanian or Chamorro 43. Samoan 44. Other Pacific Islander 5. White If this data field does not contain an entry, leave it blank. If the Co-Applicant or 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 Race 50

52 Data Field Number Data Field Data Field Type Valid Values Descriptions and Examples leave this data field blank or enter Code 1, 27, or

53 44 Race of Co- Applicant or Co-Borrower: 4 Numeric Descriptions: 1. American Indian or Alaska Native 2. Asian 21. Asian Indian 22. Chinese 23. Filipino 24. Japanese 25. Korean 26. Vietnamese 27. Other Asian 3. Black or African American 4. Native Hawaiian or Other Pacific Islander 41. Native Hawaiian 42. Guamanian or Chamorro 43. Samoan 44. Other Pacific Islander 5. White If this data field does not contain an entry, leave it blank. If the Co-Applicant or 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 Race 52

54 Data Field Number Data Field Data Field Type Valid Values Descriptions and Examples leave this data field blank or enter Code 1, 27, or

55 45 Race of Co- Applicant or Co-Borrower: 5 Numeric Descriptions: 1. American Indian or Alaska Native 2. Asian 21. Asian Indian 22. Chinese 23. Filipino 24. Japanese 25. Korean 26. Vietnamese 27. Other Asian 3. Black or African American 4. Native Hawaiian or Other Pacific Islander 41. Native Hawaiian 42. Guamanian or Chamorro 43. Samoan 44. Other Pacific Islander 5. White If this data field does not contain an entry, leave it blank. If the Co-Applicant or 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 Race 54

56 Data Field Number Data Field Data Field Type Valid Values Descriptions and Examples leave this data field blank or enter Code 1, 27, or 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 47 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 48 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 49 Race of Applicant or Borrower Collected on the Basis of Visual Observation or Surname Numeric Descriptions: 1. Collected on the basis of visual observation or surname 2. Not collected on the basis of visual observation or surname 3. Not applicable Race 55

57 Data Field Number Data Field Data Field Type Valid Values Descriptions and Examples 50 Race of Co- Applicant or Co-Borrower Collected on the Basis of Visual Observation or Surname Numeric Descriptions: 1. Collected on the basis of visual observation or surname 2. Not collected on the basis of visual observation or surname 3. Not applicable 4. No co-applicant Race 51 Sex of Applicant or Borrower Numeric 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 52 Sex of Co- Applicant or Co-Borrower Numeric 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 53 Sex of Applicant or Borrower Collected on the Basis of Visual Observation or Surname Numeric Descriptions: 1. Collected on the basis of visual observation or surname 2. Not collected on the basis of visual observation or surname 3. Not applicable Sex 56

58 Data Field Number Data Field Data Field Type Valid Values Descriptions and Examples Sex of Co- Applicant or Co-Borrower Collected on the Basis of Visual Observation or Surname Age of Applicant or Borrower Age of Co- Applicant or Co-Borrower Numeric Numeric 8888 Numeric 57 Income Alphanumeric 58 Type of Purchaser Numeric 59 Rate Spread Alphanumeric Descriptions: 1. Collected on the basis of visual observation or surname 2. Not collected on the basis of visual observation or surname 3. Not applicable 4. No co-applicant Example: 24 (or) Descriptions: Not applicable Example: 24 (or) Descriptions: Not applicable No co-applicant Example: 36 (or) NA Descriptions: 0. Not applicable 1. Fannie Mae 2. Ginnie Mae 3. Freddie Mac 4. Farmer Mac 5. Private securitizer 6. Commercial bank, savings bank, or savings association 71. Credit union, mortgage company, or finance company 72. Life insurance company 8. Affiliate institution 9. Other type of purchaser Example: (or) NA (or) Exempt Sex Age Age Income Type of Purchaser Rate Spread 57

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