ࡱ> ^] Цbjbjzz 01\1\(=* * * * * !# Qf1|1^111:: :O O O O O O O$SkV`.O1* ::":::.O* * 11_Q===:0* 1* 1O=:O==DXE10G'<``E(NuQ0QE(V=jVPEV* ED ::=:::::.O.O=:::Q::::V::::::::: :  Board of Governors of the Federal Reserve System  Home Mortgage Disclosure Act Federal Reserve Board, 20th & Constitution Avenue, N.W., Stop #N502, Washington, DC 20551 - HMDAHELP@frb.gov  EMBED Word.Picture.8  2014 HMDA EDITS Consumer Financial Protection Bureau (CFPB) Federal Deposit Insurance Corporation (FDIC) Board of Governors of the Federal Reserve System (FRS) Department of Housing and Urban Development (HUD) National Credit Union Administration (NCUA) Office of the Comptroller of the Currency (OCC) QUICK REFERENCE TO UNDERSTANDING HMDA EDITS HMDA edits are divided into three types: Syntactical, Validity, and Quality. Each edit questions specific reported data that should be thoroughly checked in order to ensure the data are reported accurately. These edits are defined as follows: 1. Syntactical (S) - The loan applications will not be loaded to the FFIEC database. If they should be included on the FFIEC database, the data must be corrected. Some examples are incorrect activity year used in your submission; or initial LAR data (T2 record) already on file, which indicates that a LAR with a duplicate loan application number was submitted. 2. Validity (V) - The specified data are reported incorrectly and must be corrected. The most common example is an incorrect census tract. 3. Quality (Q) - The data in question do not agree with an expected standard (value). Review for correctness and change only if erroneous data has been reported. An example is reported application date is equal to action taken date. An institution is expected to submit valid and accurate HMDA data that have been checked using edits approved for the particular calendar year. Institutions with data submissions that have outstanding Syntactical or Validity edits will not receive a disclosure statement until all such edits have been corrected. Data with Quality edits, if not corrected when inaccurate, will cause an incorrect disclosure statement. 2014 HMDA EDIT CHANGES: NEW EDITS Validity Edits V338 (pg. 6) If applicant ethnicity, race, and sex = 4, 7, and 4, respectively, and co-applicant ethnicity, race, and sex = 5, 8, and 5, respectively, and action taken = 1-5 or 7-8, then applicant income must = NA. Loan/Application Register Q046 (pg. 11) If loan purpose = 1, HOEPA Status should not = 1. DELETED EDITS Validity Edits V530 (pg. 7) Deleted. Revisions to Regulation Z REVISED EDITS Transmittal Sheet S100 (pg. 1) Edit test language modified to check for valid activity year. Loan Application Register V210 (Pg. 3) Edit test language modified to delete  19 Q004 (pg. 10) Edit test modified to adjust edit tolerance. Q026 (pg. 10) Edit test language modified to delete  (application date e" 20040101 and not = NA). Q068 (pg. 10) Edit test language modified to delete  (application date e" 20040101 and not = NA). Q014 (pg.11) Edit test modified to adjust edit tolerance. Q067 (pg. 11) Edit test modified to adjust edit tolerance. Q044 (pg. 11) Eliminated loan purpose and modified rate spread tolerance from 8% to 6.5%. Q045 (pg. 11) Eliminated loan purpose and modified rate spread tolerance from 10% to 8.5%. Macro Quality Edits Q031 (pg. 13) Edit test modified to adjust edit tolerance. EXPLANATION OF VALIDITY EDITS 285, 295, & 300 Regulation C (Home Mortgage Disclosure Act) requires financial institutions reporting NA in the metropolitan statistical area/metropolitan division (MSA/MD) field to either enter NA or to enter correct geographic information in the other three property location fields (state, county, census tract) of the HMDA-LAR for the property in question. The reported geographic data will be verified for its validity. Purpose: Validity edits 285 and 295 were added to the HMDA edits to comply with Regulation C. These edits are intended to verify the validity of the property location information when the MSA/MD field is reported as NA or a numeric code. Validity edit 300 was modified to verify the validity of the census tract for the state/county combination reported regardless of what is reported in the MSA/MD field. Further Explanation: When MSA/MD is NA or a valid metropolitan statistical area/metropolitan division number and the state (V285), state/county (V295), or state/county/census tract (V300) combinations are provided, there must be verification that the combinations are valid. Below are examples of the geographic combinations that may be used if it is valid for a respondent to report an MSA/MD as NA. NA/51/NA/NA* - State NA/51/059/NA - State/County NA/51/059/4154.00** - State/County/Census Tract NA/NA/NA/NA*** - State/County/Census Tract *Though this example is an acceptable entry and will pass all validity edits (provided a valid numeric state code is entered), the preference is for the institution to provide a valid state/county combination or a valid state/county/census tract combination. In the majority of cases, an institution should be able to provide the state/county/census tract combination since every state and county has a code and the 2010 Census assigned census tract numbers to all areas. **For the State/County/Census Tract combination, a reported census tract will always be verified. This combination is used when the property is located in a Micropolitan Statistical Area and the institution meets all the reporting criteria and is thus required to report all mortgage lending activity. (NA will always be reported in the MSA/MD column because HMDA does not use Micropolitan Statistical Area numbers). In addition, where the county is classified as small it is acceptable for a lender to code census tracts on properties in small counties as NA on the HMDA-LAR form. (If MSA/MD is reported using the valid metropolitan statistical area or metropolitan division (as appropriate) number, then all other property fields must be coded with the valid state/county/census tract combination.) ***This example is acceptable in specific cases. For instance, lenders may report NA in the property location fields associated with requests for preapprovals that are denied or if lenders opt to report preapprovals approved but not accepted. In addition, the NA combination can be reported on property located outside the metropolitan statistical area/metropolitan division in which an institution has a home or branch office, or outside any metropolitan statistical area/metropolitan division. Note, however, that if you are a bank or savings association that is also required to report CRA data, you must fully geocode the property location on your HMDA data. NA is not valid except in those cases where the property is located in a Micropolitan Statistical Area or is not located in any Metropolitan or Micropolitan Statistical Area; and in those examples, NA would only be reported in the MSA/MD column and the appropriate state, county, and census tract numbers would be reported. Any combination of the property location reported when the MSA/MD is NA, other than those aforementioned, are incomplete; therefore, those combinations will not be valid. EXPLANATION OF VALIDITY EDITS 285, 295, & 300 (continued) In comprehending the logic of these Validity edits, it may be useful to begin at the census tract. If the census tract is reported by a lender, then the county and state MUST also be reported. If a county is reported, then a state MUST also be reported. A state may be reported by itself, with a county, or with a county and census tract. In reverse order, if an MSA/MD equals NA, then the acceptable combinations in the majority of cases are state only, state/county, or state/county/census tract. If CENSUS TRACT is reported, then ( COUNTY must be reported, then ( STATE must be reported where ( METROPOLITAN STATISTICAL AREA/METROPOLITAN DIVISION (MSA/MD) = NA LOAN/APPLICATION REGISTER Page ____of____ Form FR HMDA-LAR Agency __________________________________________________________ ____________________________ Reporter's Identification Number Code Name of Reporting Institution City, State, Zip %%%4%%%4%%%4%%%4%%%4%%%4%%%4%%%4%%%4%%%% %%%% All columns (except Reasons for Denial) must be completed for each entry. See the instructions for details. Application or Loan InformationAction TakenProperty LocationApplicant Information A = Applicant CA = Co-Applicant Type of Pur- chaser of Loan Reason for Denial (optional) Other Data Application or Loan Number Date Application Received mm/dd/ccyy Loan Type Prop- erty Type Pur- pose Owner Occu- pancy Loan Amount In Thou- sands Pre- ap- proval Type Date (mm/dd/ccyy) Five- digit MSA/MD Number Two- Digit State Code Three- Digit County Code Six-Digit Census Tract Ethnicity Race Sex Gross Annual Income in thou- sands Rate Spread HOEPA Status Lien Status A CA A CA A CA Example of Loan Originated Following Preapproval L%B%-%6%8%7%4%3%9% % % % % % % % % % %  12/17/2013 1 1 1 1 65 1 1 02/23/2014 47894 51 059 4 | 2 | 1 | 9 | - | 8 | 5 2 5 3 | 5 | | |  8 | | | |  1 5 24 7  N | A | - | |  2 1 Example of Preapproval Request Denied 5%6%7%8%9%0%4%3%2%1%|1%2%3%4%0%9%8%7%6%5 06/01/2014 1 1 1 1 125 1 7 06/21/2014 NA NA NA N | A | | | - | |  2 2 3 | | | |  2 | | | | 1 2 40 0 1,3 N | A | - | |  2 1 Example of Application Denied Following Preapproval 5%6%7%8%9%0%4%3%2%1%|1%2%3%4%0%9%8%7%6%5 03/20/2014 1 1 1 1 30 1 3 04/30/2014 11500 01 015 0 | 0 | 2 | 1 | - | 0 | 0 1 1 5 | | | | 3| | | | 2 1 20 0 4,5 N | A | - | |  2 1 % % % % % % % % % % % % % % % % % % %              | | | | - | |    | | | |  | | | |       | | - | |    % % % % % % % % % % % % % % % % % % %              | | | | - | |    | | | |  | | | |      | | - | |    % % % % % % % % % % % % % % % % % % %              | | | | - | |    | | | |  | | | |       | | - | |    % % % % % % % % % % % % % % % % % % %              | | | | - | |    | | | |  | | | |       | | - | |    % % % % % % % % % % % % % % % % % % %              | | | | - | |    | | | | | | | |       | | - | |    % % % % % % % % % % % % % % % % % % %              | | | | - | |    | | | |  | | | |       | | - | |    % % % % % % % % % % % % % % % % % % %              | | | | - | |    | | | |  | | | |       | | - | |    % % % % % % % % % % % % % % % % % % %              | | | | - | |    | | | |  | | | |       | | - | |    % % % % % % % % % % % % % % % % % % %              | | | | - | |    | | | |  | | | |       | | - | |    % % % % % % % % % % % % % % % % % % %              | | | | - | |    | | | |  | | | |       | | - | |    % % % % % % % % % % % % % % % % % % %              | | | | - | |    | | | |  | | | |       | | - | |    % % % % % % % % % % % % % % % % % % %              | | | | - | |    | | | |  | | | |      | | - | |    % % % % % % % % % % % % % % % % % % %              | | | | - | |    | | | |  | | | |       | | - | |    % % % % % % % % % % % % % % % % % % %              | | | | - | |    | | | |  | | | |       | | - | |    % % % % % % % % % % % % % % % % % % %              | | | | - | |    | | | |  | | | |       | | - | |    % % % % % % % % % % % % % % % % % % %              | | | | - | |    | | | |  | | | |       | | - | |    % % % % % % % % % % % % % % % % % % %              | | | | - | |    | | | |  | | | |      | | - | |    % % % % % % % % % % % % % % % % % % %              | | | | - | |    | | | |  | | | |       | | - | |    (A) (B) (C) (D) (E) (F) (G) (H) (I) (J) (K) (L) (M) (N) (O) (P) (Q) (R) (S) (T) (U) (V) (W) (X) (Y) (Z) LOAN/APPLICATION REGISTER CODE SHEET Use the following codes to complete the Loan/Application Register. All columns (except Reasons for Denial) must be completed for each entry. See the HMDA-LAR instructions in the HMDA Guide (page 10) for guidance regarding the proper use of each code listed below. Application or Loan Information Loan Type: (C) 1 Conventional (any loan other than FHA, VA, FSA, or RHS loans) 2 -- FHA-insured (Federal Housing Administration) 3 -- VA-guaranteed (Veterans Administration) 4 FSA/RHS-guaranteed (Farm Service Agency or Rural Housing Service) Action Taken: (I) 1 -- Loan originated 2 -- Application approved but not accepted 3 -- Application denied by financial institution 4 -- Application withdrawn by applicant 5 -- File closed for incompleteness 6 -- Loan purchased by your institution 7 Preapproval request denied by financial institution 8 Preapproval request approved but not accepted (optional reporting) Type of Purchaser: (V) 0 --Loan was not originated or was not sold in calendar year 1 Fannie Mae 2 Ginnie Mae 3 Freddie Mac 4 Farmer Mac 5 Private securitization 6 Commercial bank, savings bank or savings association 7 -- Life insurance company, credit union, mortgage bank, or finance company 8 -- Affiliate institution 9 -- Other type of purchaser Property Type: (D) 1 One to four-family (other than manufactured housing) 2 Manufactured housing 3 Multifamily Applicant Information Ethnicity: (O) (P) 1 Hispanic or Latino 2 Not Hispanic or Latino 3 Information not provided by applicant in mail, Internet, or telephone application (see App. A, I.D.2.) 4 Not applicable 5 No co-applicant Reasons for Denial (optional reporting): (W) 1 -- Debt-to-income ratio 2 -- Employment history 3 -- Credit history 4 -- Collateral 5 -- Insufficient cash (down payment, closing costs) 6 -- Unverifiable information 7 -- Credit application incomplete 8 -- Mortgage insurance denied 9 Other Purpose of Loan: (E) 1 -- Home purchase 2 -- Home improvement 3 Refinancing  Race: (Q) (R) 1 -- American Indian or Alaska Native 2 -- Asian 3 Black or African American 4 Native Hawaiian or Other Pacific Islander 5 -- White 6 -- Information not provided by applicant in mail, Internet, or telephone application (see App. A, I.D.2.) 7 Not applicable 8 No co-applicant  Other Data HOEPA Status : (only for loans originated or purchased): (Y) 1HOEPA loan 2Not a HOEPA loan  Owner-Occupancy: (F) 1 -- Owner-occupied as a principal dwelling 2 -- Not owner-occupied 3 -- Not applicable  Sex: (S) (T) 1 -- Male 2 -- Female 3 -- Information not provided by applicant in mail, Internet, or telephone application (see App. A, I.D.2.) 4 -- Not applicable 5 No co-applicant Lien Status (only for applications and originations): (Z) 1Secured by a first lien 2Secured by a subordinate lien 3Not secured by a lien 4Not applicable (purchased loans)  Preapproval (home purchase loans only): (H) 1 Preapproval was requested 2 Preapproval was not requested 3 Not applicable  VALIDITY AND SYNTACTICAL EDITS FOR HOME MORTGAGE DISCLOSURE ACT Transaction Item(s) EDCK Edit Test Error Explanation  Transmittal Sheet (TS) & Loan/Application Register (LAR) Record IdentifierS010The first record identifier in the file must = 1 (TS). The second and all subsequent record identifiers must = 2 (LAR).First record identifier does not = 1 (TS) or at least one subsequent record identifier after the first record does not = 2 (LAR) Record IdentifierS011The HMDA file must contain at least one loan/application record (record identifier = 2). File does not contain at least one loan/application record (record identifier = 2) Agency CodeS020Agency code must = 1, 2, 3, 5, 7, 9. The agency that submits the data must be the same as the reported agency code. Agency code not valid for agency sending dataControl NumberS025Control number must = a valid respondent identifier/agency code combination for date processed.Invalid respondent identifier/agency code combination or ID not on panel Application/Loan Number S040Application/loan number must be unique. Duplicate loan numbers reported; data already in file  Transmittal Sheet (only) Activity YearS100Activity year must = year being processed (= 2014). Invalid activity yearTimestampS013Timestamp must be later than timestamp on database.Record timestamp is earlier than, or equal to, timestamp on database (format = ccyymmddhhmm) TimestampS028Timestamp must be numeric and in ccyymmddhhmm format.Timestamp is missing or nonnumeric (format = ccyymmddhhmm) Respondent Mailing AddressV105Respondent name, address, city, state, and zip code must not = blank.Respondent name, address, city, state or zip code is missing  VALIDITY AND SYNTACTICAL EDITS FOR HOME MORTGAGE DISCLOSURE ACT Transaction Item(s) EDCK Edit Test Error Explanation Respondent State CodeV140Respondent state code must equal a valid postal code abbreviation (i.e., AL for Alabama). Respondent state code is an invalid postal codeRespondent Zip CodeV145Respondent zip code format must be NNNNN or NNNNN-NNNN and left justified.Respondent zip code is an invalid formatRespondent E-mail AddressV155A valid e-mail address for the institution must be provided and must be in the format of username@exampledomain.topleveldomain. The e-mail address shall not contain any spaces and must contain only one @ symbol. The e-mail address shall not contain "@.", ".@" and ".." character strings. E-mail address for institution is missing or is an invalid format. The e-mail address can only contain one @ symbol and must be in a format such as username@institutionname.topleveldomain. The e-mail address cannot contain @., .@ or ... For formatting purposes, institutionname represents the institution's domain and .topleveldomain represents .com, .org, .tv, .net, .info, .name, etc. For example, hmdasubmitter@axbyczbank.com.Parent Name V108If parent name is reported, then parent name cannot equal institution name.Parent name = institution nameParent Mailing AddressV110If respondent is a mortgage banking subsidiary (MBS) or a nondepository institution that has an affiliation with a depository institution, then parent name of the MBS or the depository institution that the nondepository institution is affiliated with along with the address, city, state and zip code must not = blank.Parent name, address, city, state, or zip code is missing Parent State CodeV111If parent state code is reported, then the postal code abbreviation must be valid (i.e., AL for Alabama).Parent state code is an invalid postal codeParent Zip CodeV112If parent zip code is reported, then the format must be NNNNN or NNNNN-NNNN and left justified.Parent zip code is an invalid formatInstitution NameV150Institution Name cannot equal Contact Name. Institution name = Contact Name Contact NameV115Name of contact person must not = blank. Name of contact person is missingContact Telephone NumberV120Contact person telephone number must be in NNN-NNN-NNNN format and not blank.Telephone number for contact person not in valid format or is missingFax NumberV135Fax Number must be in NNN-NNN-NNNN format and not = blank.Fax Number not in valid format or is missing Tax Identification (ID) Number V125 Tax ID number must be in NN-NNNNNNN format and not = (99-9999999 or 00-0000000 or blank). Tax ID number not in valid format or is missing  VALIDITY AND SYNTACTICAL EDITS FOR HOME MORTGAGE DISCLOSURE ACT Transaction Item(s) EDCK Edit Test Error Explanation  Loan/Application Register (only) Application/Loan Number (Column A) S205Application/Loan number must not = blank or all zeros.Application/Loan number not in valid format or is missingDate Application Received (Column B) V210Date application received must be in CCYYMMDD format; month and day must be in the range 01-12 and 01-31, respectively or equal NA. CCYY must be numeric and CC (century) must equal 20. Application Month, day, year and/or century not validDate Application Received (Column B) V215If Action taken type = 6, then date application received must = NA.Loan was purchased; therefore application date must equal NALoan Type (Column C) V220Loan type must = 1, 2, 3, or 4.Loan type is missing or is not in range 1-4Property Type (Column D) V400Property type must = 1, 2, or 3.Property type is missing or is not in range 1-3Loan Purpose (Column E) V225Loan purpose must = 1, 2, or 3.Loan purpose is missing or is not in range 1-3Loan Purpose (Column E) V410If lien status = 3, then loan purpose must = 2.Lien status = 3; therefore loan purpose must = 2 Occupancy (Column F) V230Occupancy must = 1, 2, or 3.Occupancy is missing or does not equal 1, 2, or 3Loan Amount (Column G) V250Loan amount must be numeric and > zero.Loan amount is not numeric or not > 0Preapproval (Column H) V415Preapproval must = 1, 2, or 3.Preapproval is missing or is not in range 1-3 Preapproval (Column H) V425If loan purpose = 1 and action taken type = 6, then preapproval must = 3.Loan purpose = 1 and action taken type = 6; therefore preapproval must = 3 VALIDITY AND SYNTACTICAL EDITS FOR HOME MORTGAGE DISCLOSURE ACT Transaction Item(s)  EDCK Edit Test Error Explanation Preapproval (Column H) V430If loan purpose = 2 or 3, then preapproval must = 3.Loan purpose = 2 or 3 and preapproval is missing or does not = 3Preapproval (Column H) V435If action taken type = 7 or 8, then preapproval must = 1.Action taken type = 7 or 8 and preapproval is missing or does not = 1Action Taken - Type (Column I) V255Action taken type must = 1, 2, 3, 4, 5, 6, 7, or 8.Action taken type is missing or not in range 1-8 Action Taken - Type (Column I)V260If reasons for denial are in the range 1-9, then action taken type must = 3 or 7. Application or preapproval not denied, but denial reasons givenAction Taken - Type (Column I)V262If date application received = NA, then action taken type must = 6.Date application received = NA; therefore action taken type must = 6 Action Taken - Type (Column I) V440If preapproval = 1, then action taken type must = 1-5, 7 or 8. Preapproval = 1 and action taken type is missing or does not = 1-5, 7 or 8 Action Taken Type (Column I)V445If preapproval = 2, then action taken type must = 1-5.Preapproval = 2 and action taken type is missing or does not = 1-5 Action Taken Type (Column I)V447If preapproval = 3, then action taken type must = 1-6. Preapproval = 3 and action taken type is missing or does not = 1-6Action Taken - Date (Column J) V265Action taken date must be in CCYYMMDD format; month and day must be in the range 01-12 and 01-31, respectively. CCYY must be numeric.Action taken date is invalid format and/or dateAction Taken - Date (Column J) S270Century (CC) and Year (YY) of action taken date must = activity century/year (CCYY) for period being processed.Century and/or year for action taken date does not match activity century/year Action Taken - Date (Column J)V275If date application received does not = NA, then action taken date must be e" date application received. Action taken date is earlier than application dateMSA/MD Number (Column K)V280MSA/MD must = a valid Metropolitan Statistical Area or Metropolitan Division (if appropriate) code for period being processed or NA.MSA/MD number does not = a valid Metropolitan Statistical Area/Metropolitan Division code or NA, or is missingState Code (Column L)V285State must = a valid FIPS code or (NA where MSA/MD = NA).State does not = a valid state code or (state equals NA and MSA/MD not NA)  VALIDITY AND SYNTACTICAL EDITS FOR HOME MORTGAGE DISCLOSURE ACT Transaction Item(s)  EDCK Edit Test Error Explanation MSA/MD,State,County Codes (Columns K, L, and M)V290If MSA/MD does not = NA, then MSA/MD, state, and county codes must = a valid combination.MSA/MD, state, and county codes do not = a valid combination State/County Codes (Columns L and M) V295State and county must = a valid combination or (county = NA where MSA/MD = NA). State/county does not equal a valid combination or (county equals NA and MSA/MD not NA)Census Tract (Column N)V300Census tract must = a valid census tract number for the MSA/MD, state, county combination or (NA if county is classified as small) or (where MSA/MD = NA the census tract must = a valid census tract for the state/county combination or NA). Valid census tract format must be NNNN.NN or NA, left justified.Census tract not in valid format or is missing, does not equal NA, or does not equal a valid census tract number Applicant Ethnicity (Column O) V450Applicant ethnicity must = 1, 2, 3, or 4. Applicant ethnicity is missing or not in range 1-4Co-Applicant Ethnicity (Column P) V460Co-Applicant ethnicity must = 1, 2, 3, 4, or 5. Co-Applicant ethnicity is missing or not in range 1-5 Co-Applicant Ethnicity (Column P) V463Co-Applicant ethnicity does not = 5; however, co-applicant race field 1 = 8 and/or co-applicant sex = 5.If no co-applicant, co-applicant ethnicity/race/sex combination invalidApplicant Race (Column Q) V455If applicant ethnicity = 1, 2 or 3 then the first applicant race field must not = 7. Applicant ethnicity = 1, 2 or 3; therefore first applicant race invalidCo-Applicant Race (Column R) V465If co-applicant ethnicity = 1, 2 or 3 then the first co-applicant race field must not = 7 or 8. Co-applicant ethnicity = 1, 2 or 3; therefore first co-applicant race invalidApplicant Race (Column Q) V310Applicant race field 1 must = 1, 2, 3, 4, 5, 6, or 7. Applicant race field 1 is missing or is not in range 1-7 Applicant Race (Column Q)V470If applicant race = 1-5 in applicant race field 1, then all other applicant race fields must = blank or 1-5. Applicant race fields 2 - 5 are not blank or in range 1-5Applicant Race (Column Q)V475If applicant race = 6 or 7 in applicant race field 1, then all other applicant race fields must = blank. Applicant race field 1= 6 or 7; therefore all other applicant race fields must = blankApplicant Race (Column Q)V480Applicant race must not be the same (i.e. 1,1; 1,1,2; 1,2,3,4,1), when more than one applicant race is designated. Applicant race is the same VALIDITY AND SYNTACTICAL EDITS FOR HOME MORTGAGE DISCLOSURE ACT Transaction Item(s)  EDCK Edit Test Error Explanation Co-Applicant Race (Column R) V315Co-Applicant race field 1 must = 1, 2, 3, 4, 5, 6, 7, or 8. Co-Applicant race field 1 is missing or is not in range 1-8 Co-Applicant Race (Column R) V317Co-Applicant race field 1 does not = 8; however, co-applicant ethnicity and/or co-applicant sex = 5.If no co-applicant, co-applicant race/sex/ethnicity combination invalidCo-Applicant Race (Column R)V485If co-applicant race = 1-5 in co-applicant race field 1, then all other co-applicant race fields must = blank or 1-5. Co-Applicant race fields 2-5 are not blank or in range 1-5Co-Applicant Race (Column R)V490If co-applicant race = 6, 7, or 8 in co-applicant race field 1, then all other co-applicant race fields must = blank. Co-Applicant race field 1 = 6, 7, or 8; therefore all other co-applicant race fields must = blank Co-Applicant Race (Column R)V495Co-Applicant race must not be the same (i.e. 1,1; 1,1,2; 1,2,3,4,1), when more than one co-applicant race is designated. Co-Applicant race is the sameApplicant Sex (Column S) V320Applicant sex must = 1, 2, 3, or 4.Applicant sex is missing or is not in range 1-4Co-Applicant Sex (Column T) V325Co-Applicant sex must = 1, 2, 3, 4, or 5. Co-Applicant sex is missing or not in range 1-5 Co-Applicant Sex (Column T) V326Co-Applicant sex does not = 5; however, co-applicant ethnicity = 5 and/or co-applicant race field 1 = 8.If no co-applicant, co-applicant sex/ethnicity/race combination invalidIncome (Column U) V330Income must be numeric and > 0, or equal NA.Income is zero, missing, negative or, if non-numeric, does not equal NAIncome (Column U) V335If property type = 3, then income must = NA. Property type = 3; therefore income must = NA Income (Column U)V338If applicant ethnicity, race, and sex = 4, 7, and 4, respectively, and co-applicant ethnicity, race, and sex = 5, 8, and 5, respectively, and action taken = 1-5 or 7-8, then applicant income must = NA. Applicant ethnicity, race, and sex = 4, 7, and 4, and co-applicant ethnicity, race, and sex = 5, 8, and 5, and action taken = 1-5, or 7-8, therefore income must = NAType of Purchaser (Column V) V340Type of purchaser must = 0, 1, 2, 3, 4, 5, 6, 7, 8, or 9.Type of purchaser must be in range 0-9 VALIDITY AND SYNTACTICAL EDITS FOR HOME MORTGAGE DISCLOSURE ACT Transaction Item(s) EDCK Edit Test Error Explanation Type of Purchaser (Column V) V347 If type of purchaser = 1, 2, 3, 4, 5, 6, 7, 8, or 9, then action taken type must be 1 or 6. Type of purchaser in range 1-9; therefore action taken should equal 1 or 6 V347If type of purchaser = 1, 2, 3, 4, 5, 6, 7, 8, or 9, then action taken type must be 1 or 6. Type of purchaser in range 1-9; therefore action taken should equal 1 or 6 Type of Purchaser (Column V)V375If type of purchaser = 2, then loan type must = 2, 3, or 4.Purchaser type = 2 and loan type does not equal 2, 3, or 4 Reasons for Denial (Column W)V355If (agency code = 2, 3, 5, 7, or 9) or (agency code = 1 and action taken not = 3 or 7), then reasons for denial must = 1, 2, 3, 4, 5, 6, 7, 8, 9, or blank. Reasons for denial are not blank or in range 1-9Reasons for Denial (Column W)V360Responses for reasons for denial must not be the same (i.e. 1,1; 1,1,2; 1,2,2;...........). Reasons for denial are the sameReasons for Denial (Column W)V385If agency code = 1 and action taken = 3 or 7, then at least one reason for denial must be provided and must = 1, 2, 3, 4, 5, 6, 7, 8, or 9. Other reasons for denial must = 1, 2, 3, 4, 5, 6, 7, 8, 9 or blank.For action taken = 3 or 7, at least one reason for denial not given, or reason for denial given not in range 1-9 Rate Spread (Column X)V500Rate spread must be in the NN.NN format, must not = blank, and if NA, left justified. Rate spread is not in valid format or is missingRate Spread (Column X)V505If action taken type = 2-8, then rate spread must = NA.Action taken type = 2-8; therefore rate spread must = NARate Spread (Column X) V570If lien status = 1, then rate spread must be > 1.5% and ( 99.99% or NA.Lien status = 1; therefore rate spread must be in range e" 1.5% and ( 99.99% or NARate Spread (Column X) V575If lien status = 2, then rate spread must be > 3.5% and ( 99.99% or NA.Lien status = 2; therefore rate spread must be in range e" 3.5% and ( 99.99% or NARate Spread (Column X) V520If lien status = 3, then rate spread must = NA.Lien status = 3; therefore rate spread must = NAHOEPA Status (Column Y) V540If action taken type = 2-5, 7, or 8, HOEPA status must = 2.Action taken type = 2-5, 7, or 8; therefore HOEPA status must = 2HOEPA Status (Column Y) V525HOEPA status must = 1 or 2.HOEPA status is missing or does not = 1 or 2 VALIDITY AND SYNTACTICAL EDITS FOR HOME MORTGAGE DISCLOSURE ACT Transaction Item(s) EDCK Edit Test Error Explanation HOEPA Status (Column Y) V545If lien status = 3, then HOEPA status must = 2.Lien status = 3; therefore HOEPA status must = 2Lien Status (Column Z) V550Lien status must = 1, 2, 3, or 4. Lien status is missing or not in range 1-4Lien Status (Column Z) V555If loan purpose = 1 or 3, then lien status must = 1, 2, or 4.Loan purpose = 1 or 3; therefore lien status must = 1, 2, or 4Lien Status (Column Z) V560If action taken type = 1-5, 7 or 8, then lien status must = 1, 2, or 3.Action taken type = 1-5, 7 or 8; therefore lien status must = 1, 2, or 3Lien Status (Column Z) V565If action taken type = 6, then lien status must = 4. Action taken type = 6; therefore lien status must = 4 QUALITY EDITS FOR HOME MORTGAGE DISCLOSURE ACT Transaction Item(s)  EDCK Edit Test Error Explanation  Transmittal Sheet (only) Parent Mailing AddressQ033If respondent is a bank, savings association, or independent mortgage company, and if any parent company exists, then parent name, address, city, state and zip code should not = blank. Parent name, address, city, state, or zip code is missing Institution Mailing Address Q020Institution address should not = parent address.Institution address equals parent addressTax Identification (ID) NumberQ012The reported Tax ID number on the transmittal sheet of your HMDA data file does not match the Tax ID number reported in the previous calendar year submission.Tax ID number on TS does not match the Tax ID number reported in the previous calendar year submission # of Loan ApplicationsQ130The number of loan/application records received in this transmission file per respondent does not = the total number of loan/application records reported in this respondents transmission or the total number of loan/application records in this submission is missing from the transmittal sheet.Loan/application records received in this transmission are missing or not = to the total number of loan/application records reported in this transmission Loan Application Register (only) Date Application Received (Column B)Q022Date application received should =activity year or (activity year minus 1 or activity year minus 2). Date application received is not in activity year or (activity year minus 2); VerifyLoan Type (Column C) Q035If purchaser type = 1 or 3, then loan type should = 1.Purchaser type = 1 or 3; therefore loan type should = 1; VerifyLoan Amount (Column G)Q001If loan amount and income are numeric and > 0 and the loan amount is e" $1,000 ($1 million), then loan amount should be < 5 times the income.Loan amount reported is ( five times the income; VerifyLoan Amount (Column G) Q002If property type =1 and income d" $200 thousand, then loan amount should be < $2 million.Income is < $200 thousand and loan amount reported is ( $2 million; Verify  QUALITY EDITS FOR HOME MORTGAGE DISCLOSURE ACT Transaction Item(s) EDCK Edit Test Error Explanation Loan Amount (Column G)Q003If loan type = 2 and property type = 1 or 2, then loan amount should be d" $729 ($729 thousand). Loan type = 2 and loan amount ( $729 ($729 thousand); VerifyLoan Amount (Column G)Q004If loan type = 3 and property type = 1 or 2, then loan amount should be d" $1,094 ($1,094 thousands). Loan type = 3 and loan amount ( $1,094 ($1,094 thousand); VerifyLoan Amount (Column G)Q005If type of purchaser = 1-4, and property type = 1 or 2, then loan amount should be d" $729 ($729 thousand). Type of purchaser = 1-4, and property type = 1 or 2 and loan amount ( $729 ($729 thousand); VerifyLoan Amount (Column G)Q013If property type = 3, then loan amount should be in the range of $100 thousand and $10 million. Loan amount is not within the expected range of $100 thousand and $10 million; VerifyLoan Amount (Column G) Q036If property type = 2, then loan amount should be ( $150 ($150 thousand). Property type = 2 and loan amount reported is > $150 ($150 thousand); VerifyLoan Amount (Column G) Q037If lien status = 2, then loan amount should be ( $250 ($250 thousand).Lien status = 2 and loan amount reported is > $250 ($250 thousand); VerifyLoan Amount (Column G) Q038If lien status = 3, then loan amount should be ( $100 ($100 thousand).Lien status = 3 and loan amount reported is > $100 ($100 thousand); VerifyLoan Amount (Column G) Q025If loan purpose = 1 and property type = 1, then loan amount should be > $10 thousand.Loan amount is numeric and ( $10 thousand; Verify Action Taken Date (Column J) Q032If action taken type = 1, then action taken date should not equal the date application received.Loan is originated and action taken date = date application received; VerifyApplicant Ethnicity, Race, Sex (Columns O, Q, S)Q026If action taken type = 1-5, 7, or 8, then applicant ethnicity, race and/or sex should not = 4, 7, or 4, respectively.Applicant ethnicity, race and/or sex = 4, 7, or 4, respectively; Verify Co-Applicant Ethnicity, Race, Sex (Columns P, R, T)Q068If action taken type = 1-5, 7 or 8, and applicant ethnicity, race and sex = 4,7,4, respectively, and co-applicant ethnicity, race and sex = 4,7,4, respectively, and there is no co-applicant, then co-applicant ethnicity, race, and sex should = 5,8,5, respectively.Applicant ethnicity, race and/or sex = 4, 7, 4, respectively, and co-applicant ethnicity, race and sex = 4, 7, 4, respectively; Verify  QUALITY EDITS FOR HOME MORTGAGE DISCLOSURE ACT Transaction Item(s) EDCK Edit Test Error Explanation Income (Column U)Q014If income is numeric, then income should be < $3 million.Income is numeric and ( to $3 million; VerifyIncome (Column U)Q024 If action taken type = 1, and income and loan amount are numeric, and loan amount is > 5 times income, then income should be > $ 9 thousand.Action taken type = 1, loan amount is > 5 times income, and income is numeric and < $9 thousand; VerifyIncome (Column U)Q027If action taken type = 1-5, 7 or 8, and property type = 1 or 2, then applicant income should not = NA. Income ( NA; VerifyIncome (Column U) Q067If applicant ethnicity, race and sex = 4, 7, and 4, respectively, and co-applicant ethnicity, race and sex = 4, 7, and 4, respectively, then applicant income should = NA. Income is numeric; VerifyRate Spread (Column X) Q039If HOEPA status = 1 and action taken type = 1, then rate spread should not = NA.HOEPA status = 1 and action taken type =1, therefore rate spread should not = NA; VerifyRate Spread (Column X) Q040If purchaser type = 1-4 and lien status = 1 or 2, then rate spread should be d" 10% or NA.Purchaser type = 1-4 and lien status = 1 or 2; therefore rate spread should be d" 10% or NA; VerifyRate Spread (Column X) Q061 If agency = 5, property type = 1, lien status = 1 and action taken type = 1, rate spread should be d" 5% or NA. Agency = 5, property type = 1, lien status = 1 and action taken type = 1; therefore, rate spread should be d" 5% or NA; Verify Rate Spread (Column X)Q066If rate spread does not = NA, then rate spread should be < 13%. Rate spread does not = NA; therefore rate spread should be < 13%; Verify HOEPA (Column Y)Q044If agency = 1, 2, 3, 7 or 9, action taken type = 1, lien status = 1, and rate spread > 6.5%, then HOEPA status should = 1.Agency = 1-3, 7 or 9, action taken type = 1, lien status = 1, and rate spread > 6.5%; therefore HOEPA status should = 1; VerifyHOEPA (Column Y)Q045If agency = 1, 2, 3, 7 or 9, action taken type = 1, lien status = 2, and rate spread > 8.5%, then HOEPA status should = 1.Agency = 1-3, 7 or 9, action taken type =1, lien status = 2, and rate spread > 8.5%; therefore HOEPA status should = 1; VerifyHOEPA (Column Y)Q046If loan purpose = 1, HOEPA Status should not = 1Loan purpose = 1 and HOEPA status = 1; VerifyHOEPA (Column Y)Q050If agency = 5, HOEPA status should not = 1. Agency = 5 and HOEPA status = 1; Verify HOEPA (Column Y) Q051If applicant ethnicity, race and sex = 4, 7, and 4, respectively, HOEPA status should not = 1. Applicant ethnicity, race and sex = 4, 7, and 4, respectively and HOEPA status = 1; Verify QUALITY EDITS FOR HOME MORTGAGE DISCLOSURE ACT Transaction Item(s) EDCK Edit Test Error Explanation HOEPA (Column Y) Q052If property type = 3, HOEPA status should not = 1. Property type = 3 and HOEPA status = 1; Verify HOEPA (Column Y) Q064If purchaser type = 1 or 3, HOEPA status should not = 1. Purchaser type = 1 or 3 and HOEPA status = 1; VerifyProperty Type (Column D) Q059 If loan type = 3 or 4, then property type should not = 3.Loan type = 3 or 4 and property type = 3; VerifyMSA/MD,State,County, Census Tract (Columns K, L, M, N) Q029If the reported state/county combination (when county is small and reported tract equals NA), or state/county/census tract combination is valid then the MSA/MD should not = NA.MSA/MD = NA and state/county (when county is small and tract equals NA), or state/county/census tract is a valid combination and is located completely in an MSA/MD MSA/MD,State,County, Census Tract (Columns K, L, M, N) Q049If action taken type = 7 or 8, then MSA/MD, state, county, census tract should equal NA. Action taken type = 7 or 8; therefore, MSA/MD, state, county, census tract should = NA; VerifyMSA/MD Number (Column K)Q595@ If action taken type = 1-5, 7, or 8, then MSA/MD must = a corresponding respondent, MSA/MD combination on respondent panel, or NA.MSA/MD not on respondent panel @NOTE: This edit is not applied to mortgage banking subsidiaries or independent mortgage companies. Their Metropolitan Statistical Areas or Metropolitan Divisions (if appropriate) will be determined at the end of the cycle based on the data reported. For depository institutions, this edit will produce the Q595 report but will not be counted in any error statistics. MACRO QUALITY EDITS FOR HOME MORTGAGE DISCLOSURE ACT Transaction Item(s) EDCK Edit Test Error Explanation  The Macro Quality Edit Report contains the following edits and is generated by the FFIEC Property Type (Column D)Q015If property type = 3, then the total number of these loan applications should be < 10% of all loan applications or < 10% of the total dollar amount of all loan applications reported.Multifamily loan applications is e" 10% of total loan applications and/or e" 10% of the total dollar amount of the loan applications Property Type (Column D) Q031If property type = 3, and total number of all loan applications < 2,000, then the total number of multifamily applications should be < 200. Number of reported multifamily applications is e" 200; VerifyLoan Purpose (Column E)Q006If the total number of loan applications with loan purpose = 1 and action taken type = 1 is > 25, then the total number of these loan applications should be d" 95% of the total number of home purchase loan applications. Total number of home purchase loan applications with an action code of 1 is > 95% of the total number of home purchase loan applicationsPreapproval (Column H) Q047 If preapproval = 1, and action taken type = 4, then the total number of these loans should be d" 10% of the total number of loan applications. Total number of loan applications with a preapproval = 1 and action taken type = 4 is > 10% of the total number of loan applications Preapproval (Column H) Q048 If preapproval = 1, and action taken type = 5, then the total number of these loans should be d" 5% of the total number of loan applications. Total number of loan applications with a preapproval = 1 and action taken type = 5 is > 5% of the total number of loan applications Action Taken - Type (Column I)Q007If action taken type = 2, then the total number of these loans should be d" 15% of the total number of loan applications.Total number of loan applications with an action code of 2 is > 15% of the total number of loan applications Action Taken - Type (Column I)Q008If action taken type = 4, then the total number of these loans should be d" 30% of the total number of loan applications.Total number of loan applications with an action code of 4 is > 30% of the total number of loan applicationsAction Taken - Type (Column I)Q009If action taken type = 5, then the total number of these loans should be d" 15% of the total number of loan applications. Total number of loan applications with an action code of 5 is > 15% of the total number of loan applications MACRO QUALITY EDITS FOR HOME MORTGAGE DISCLOSURE ACT Transaction Item(s) EDCK Edit Test Error Explanation  The Macro Quality Edit Report contains the following edits and is generated by the FFIEC (continued) Action Taken Type (Column I)Q010The number of loan applications that report action taken type = 1 should be e" 20% of the total number of loan applications where action taken type = 1-6. Total number of loan applications with an action code of 1 is < 20% of the total number of loan applications where action taken type = 1-6.MSA/MD (Column K)Q023The number of loan applications that report MSA/MD = NA should be d" 30% of the total number of loan applications.The number of applications reporting MSA/MD = NA are > 30% of the total number of loan applications Total Number of Loan ApplicationsQ011If current or previous year s total number of applications is e" 500, then the current year should be within (+ or -) 20% of the previous year s total. Total number of loan applications for current year not within (+ or -) 20% of the previous year's totalTotal Number of Loan ApplicationsQ016The number of loan applications that report income < $10,000 should be d" 20% of total loan applications. Total number of loan applications that reported income < $10,000 is > 20% of total loan applicationsHOEPA (Column Y) Q053If agency = 5, action taken type = 1 and HOEPA status = 1, then the total number of these loans should be d" 1% of the total number of originated loans. The number of loans where agency = 5, action taken type = 1 and HOEPA status = 1 is > 1% of the total number of originated loansHOEPA (Column Y) Q054If agency = 5, action taken type = 6 and HOEPA status = 1, then the total number of these loans should be d" 1% of the total number of purchased loans. 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The number of loans where action taken type = 1, HOEPA status = 1, lien status = 1, and type of purchaser = 1 is > 1% of the total number of originated loans HOEPA (Column Y) Q063If action taken type =1, HOEPA status = 1, lien status = 1 and type of purchaser = 3, then the total number of these loans should be d" 1% of the total number of originated loans.The number of loans where action taken type = 1, HOEPA status = 1, lien status = 1, and type of purchaser = 3 is > 1% of the total number of originated loansHOEPA (Column Y) Q065If HOEPA status = 1, then the total number of HOEPA loans should be < 200. The number of loans where HOEPA = 1 is e" 200Rate Spread (Column X) Q055If HOEPA status = 1, action taken = 1 and rate spread e" 5% and not = NA, then the total number of these loans should be d" 5% of the total number of originated loans. The number of loans where HOEPA status = 1, action taken = 1 and rate spread e" 5% and not = NA is > 5% of the total number of originated loans MACRO QUALITY EDITS FOR HOME MORTGAGE DISCLOSURE ACT Transaction Item(s) EDCK Edit Test Error Explanation  The Macro Quality Edit Report contains the following edits and is generated by the FFIEC (continued) Rate Spread (Column X) Q061If property type = 1, lien status = 1, action taken type = 1 and rate spread > 5% and not = NA, then the total number of these loans should be d" 1% of the total number of originated loans.The number of loans where property type = 1, lien status = 1, action taken type = 1 and rate spread > 5% and not = NA is > 1% of the total number of originated loansAction Taken  Type (Column I) Q056If the total number of conventional home purchase loan applications is e" 50, then the total number of denied conventional home purchase loans should be d" 70%. The total number of conventional home purchase loan applications is e" 50 and the total number of denied conventional home purchase loans is > 70% Action Taken  Type (Column I)Q057If the total number of loan applications is e" 50, then the total number of denied loan applications should be > zero. The total number of loan applications is e" 50 and the total number of denied loans = zeroAction Taken  Type (Column I) Q058If the total number of loan applications where preapproval = 1 is e" 1000, then the total number of preapproval requests denied (action taken = 7) should be > zero. The total number of loan applications where preapproval = 1 is e" 1000 and the total number of preapproval requests denied = zeroType of Purchaser (Column V) Q070 If action taken type = 1 or 6, purpose of loan = 1 or 3, property type = 1 or 2, loan type = 1; and if the percentage of these loans that are sold to Fannie Mae or Freddie Mac in the current year is less than the percentage of the same type of loans sold to Fannie Mae or Freddie Mac in the prior year, then the percentage difference between the two years should be less than 10%; or if the number of these loans for the current year is >= 10,000, then the percentage of these loans sold to Fannie Mae or Freddie Mac for the current year should be > 20%.Action taken type = 1 or 6, loan purpose = 1 or 3, property type = 1 or 2, loan type = 1. If the percentage of these loans that are sold to Fannie Mae or Freddie Mac in the current year is less than the percentage of the same category of loans sold to Fannie Mae or Freddie Mac in the prior year, then the percentage difference between the two years should be less than 10%; or if the number of these loans for the current year is >= 10,000, then the percentage of these loans sold to Fannie Mae or Freddie Mac for the current year should be > 20%. Please verify type of purchaser field is correct.Type of Purchaser (Column V) Q071 If action taken type = 1 or 6, purpose of loan = 1 or 3, property type = 1 or 2, loan type = 2; and if the percentage of these loans that are sold to Ginnie Mae in the current year is less than the percentage of the same type of loans sold to Ginnie Mae in the prior year, then the percentage difference between the two years should be less than 10%; or if the number of these loans for the current year is >= 2, 500, then the percentage of these loans sold to Ginnie Mae for the current year should be > 30%. Action taken type = 1 or 6, loan purpose = 1 or 3, property type = 1 or 2, loan type = 2. If the percentage of these loans that are sold to Ginnie Mae in the current year is less than the percentage of the same category of loans sold to Ginnie Mae in the prior year, then the percentage difference between the two years should be less than 10%; or if the number of these loans for the current year is >= 2,500, then the percentage of these loans sold to Ginnie Mae for the current year should be > 30%. Please verify type of purchaser field is correct. MACRO QUALITY EDITS FOR HOME MORTGAGE DISCLOSURE ACT Transaction Item(s) EDCK Edit Test Error Explanation  The Macro Quality Edit Report contains the following edits and is generated by the FFIEC (continued) Type of Purchaser (Column V) Q072 If action taken type = 1 or 6, purpose of loan = 1 or 3, property type = 1 or 2, loan type = 3; and if the percentage of these loans that are sold to Ginnie Mae in the current year is less than the percentage of the same type of loans sold to Ginnie Mae in the prior year, then the percentage difference between the two years should be less than 10%; or if the number of these loans for the current year is >= 2,000, then the percentage of these loans sold to Ginnie Mae for the current year should be > 30%.Action taken type = 1 or 6, loan purpose = 1 or 3, property type = 1 or 2, loan type = 3. If the percentage of these loans that are sold to Ginnie Mae in the current year is less than the percentage of the same category of loans sold to Ginnie Mae in the prior year, then the percentage difference between the two years should be less than 10%; or if the number of these loans for the current year is >= 2,000, then the percentage of these loans sold to Ginnie Mae for the current year should be > 30%. Please verify type of purchaser field is correct.Type of Purchaser (Column V) Q073If 250 or greater loans are reported with purpose of loan = 1, action taken type = 1 or 6, property type = 1 or 2, and loan type = 2 or 3, then of these loans, the percentage of loans sold should be > 20%.Action taken type = 1 or 6, loan purpose = 1, property type = 1 or 2, loan type = 2 or 3. If 250 or greater of these loans are reported in the current year, then of these loans, the percentage sold should be > 20% Type of Purchaser (Column V) Q074If 250 or greater loans are reported with purpose of loan = 3, action taken type = 1 or 6, property type = 1 or 2, and loan type = 2 or 3, then of these loans, the percentage of loans sold should be > 20%.Action taken type = 1 or 6, loan purpose = 3, property type = 1 or 2, loan type = 2 or 3. If 250 or greater of these loans are reported in the current year, then of these loans, the percentage sold should be > 20% Type of Purchaser (Column V) Q075If 750 or greater loans are reported with purpose of loan = 1, action taken type = 1 or 6, property type = 1 or 2, then of these loans, the difference between the percentage of loans that are sold in the current year and the percentage of the same type of loans sold in the prior year should be less than (+ or -) 20%.Action taken type = 1 or 6, loan purpose = 1, property type = 1 or 2. If 750 or greater loans of these loans are reported in the current year, then of these loans, the difference in the percentage of loans that are sold in the current year and the percentage of loans sold in the prior year should be less than (+ or -) 20%. Percent of government backed home purchases = # home purchase loans where loan type = 2 or 3 / # home purchase loans for the current year or previous year MACRO QUALITY EDITS FOR HOME MORTGAGE DISCLOSURE ACT Transaction Item(s) EDCK Edit Test Error Explanation  The Macro Quality Edit Report contains the following edits and is generated by the FFIEC (continued) Type of Purchaser (Column V) Q076If 750 or greater loans are reported with purpose of loan = 3, action taken type = 1 or 6, property type = 1 or 2, then of these loans, the difference between the percentage of loans that are sold in the current year and the percentage of the same type of loans sold in the prior year should be less than (+ or -) 20%.Action taken type = 1 or 6, loan purpose = 3, property type = 1 or 2. If 750 or greater loans of these loans are reported in the current year, then of these loans, the difference in the percentage of loans that are sold in the current year and the percentage of loans sold in the prior year should be less than (+ or -) 20%. Percent of government backed home refinancings = # refinancing loans where loan type = 2 or 3 / # refinancing loans for the current year or previous yearAction Taken  Type (Column I) Q080If action taken = 1, 2 or 3, property type = 1 or 2, and applicant ethnicity = 3 or 4, then the total number of these loans should be d" 50% of the total number of loans where action taken = 1-5. The total number of loans where action taken = 1, 2 or 3, property type = 1 or 2, and applicant ethnicity = 3 or 4 is > 50% of the total number of loans where action taken = 1-5Action Taken  Type (Column I) Q081If action taken = 1, 2 or 3, property type = 1 or 2, and first applicant race field = 6 or 7, then the total number of these loans should be d" 50% of the total number of loans where action taken = 1-5.The total number of loans where action taken = 1, 2 or 3, property type = 1 or 2, and first applicant race field = 6 or 7 is > 50% of the total number of loans where action taken = 1-5Action Taken  Type (Column I) Q082If action taken = 1, 2 or 3, property type = 1 or 2, and applicant sex = 3 or 4, then the total number of these loans should be d" 50% of the total number of loans where action taken = 1-5.The total number of loans where action taken = 1, 2 or 3, property type = 1 or 2, and applicant sex = 3 or 4 is > 50% of the total number of loans where action taken = 1-5Action Taken  Type (Column I) Q083If action taken = 1, 2 or 3, property type = 1 or 2, and (applicant ethnicity = 3 or 4) and (first applicant race field = 6 or 7) and (applicant sex = 3 or 4), then the total number of these loans should be d" 20% of the total number of loans where action taken = 1-5.The total number of loans where action taken = 1, 2 or 3, property type = 1 or 2, and (applicant ethnicity = 3 or 4) and (first applicant race field = 6 or 7) and (applicant sex = 3 or 4) is > 20% of the total number of loans where action taken = 1-5 Quality Edit Q030 is generated by the FFIEC and is included with the micro edits for each appropriate loan MSA/MD,State,County, Census Tract (Columns K, L, M, N)Q030If action taken type = 1, 2, 3, 4, 5, or 6; and if the HMDA respondent is a nondepository institution (a for-profit entity), or is a bank or savings institution who reports CRA data, then MSA/MD, state, county, census tract should equal a valid combination and not NA.MSA/MD, state, county, census tract should not = NA     2014 HMDA Edits  PAGE ii June 16th, 2014 2014 HMDA Edits  PAGE vi June 16th, 2014 2014 HMDA Edits  PAGE vii June 16th, 2014 2014 HMDA Edits -  PAGE 8 - June 16th, 2014 2014 HMDA Edits -  PAGE 17 - June 16th, 2014 LL\L^L@MZMMMMMMNN2O4OP0PnPpPrPP*Q,QdQfQQQQQQQ¸㛮‘|vi_X h/~h7hl CJOJQJhwhl CJOJQJ hl CJ hZYCJhwh7CJ h7CJh7CJOJQJ hde)CJhwhde)CJOJQJhde)CJOJQJhO{CJOJQJ h/~hO{hQ?aCJOJQJh{#CJOJQJ h{#CJ hO{CJh4KUCJOJQJhwh4KUCJOJQJMM2kd$$Ifl4\Z %H8 8L (044 laf4p(MMMMM4OpP, D0p@ P !$`'0*-/2p5@8$Ifgd u$, D0p@ P !$`'0*-/2p5@8$IfgdO{pPrP2kd$$Ifl4\Z %H8 8L (044 laf4p(rPPPPP:QQ, D0p@ P !$`'0*-/2p5@8$Ifgd u$, D0p@ P !$`'0*-/2p5@8$Ifgd7QQQQJ, D0p@ P !$`'0*-/2p5@8$Ifgd u$kd$$Ifl4\Z %H8 8L044 laf4p(yt)QQQQQQQQQR"RRbRlRRRRSS S"SHSJSSST>T@TBTDTɶ쏉vlbYRNh) h/~h"c-hwh&BCJh"tCJOJQJh"CJOJQJhwh"CJOJQJ hwCJ h6CJhwh_vCJh:CJOJQJhG\CJOJQJh2"|CJOJQJhwh2"|CJOJQJ h"CJ h2"|CJ h:CJh RCJOJQJhwh"c-CJOJQJh"c-CJOJQJhHCJOJQJQQQ S"S@T, D0p@ P !$`'0*-/2p5@8$Ifgd u$@TBTDTJHkdz$$Ifl4\Z %H8 8L044 laf4p(yt)DTTTTT"U$U&U(U*UUUUUNWPWXXYYtZvZ [[[[[[[P\R\\\\\\8]ϿɸŤyiyŮyiy\yh{CJOJQJaJhhwhaCJOJQJaJhhaCJOJQJaJhhwhaCJOJQJh2hwh2CJOJQJh2CJOJQJhaCJOJQJ ha>*CJ hBCJha haCJha5>*CJOJQJha5>*CJOJQJhCJOJQJh5>*CJOJQJ$DTTTTTTTTTT"U$U $Ifgdp0 Dh8 xHX (#%(+h.8146x$If]xgdp,$ D0p@ P !$`'0*-/2p5@8@&a$gd $U&U(UU2& $Ifgdp d7$Ifgdpkdb$$Ifl\Z %H8 8L (044 lap(yts{UUUV$V&V__2, D0p@ P !$`'0*-/2p5@8$Ifgdp, D0p@ P !$`'0*-/2p5@8$Ifgd2fkdz$$Ifl4ZH87044 laf4yts{ d7$Ifgdp&V0VWX, D0p@ P !$`'0*-/2p5@8$Ifgdp. 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