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# What Debt to Income (DTI) ratio is used for HMDA reporting?

The DTI relied on in making the credit decision is used for HMDA reporting. We assume that the DTI that prints to the documents, such as the Application Summary Report and Fannie Mae 1008 Freddie Mac 1077 Underwriting and Transmittal Summary, is the DTI relied on for making the credit decision.

If your organization's policies and practices have a different determination for the DTI, select Override the calculated Debt to Income and enter the appropriate DTI on the Calculations page.