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# When HMDA Applies is selected, how do the reasons selected in Document Data for the Notice Of Action Taken affect the Reasons for Denial in the Origination/Disposition area on the Calculations page?

Based on Appendix A to Part 1003—Form and Instructions for Completion of HMDA Loan/Application Register, the Reason Type found within the Action Reason section in Document Data will default from the Notice Of Action Taken to the Reasons for Denial as shown below.

Table 1. Denial Reasons
Reason Type from Notice of Action Taken | Reasons for Denial in Origination/Disposition
--- | ---
Unable to verify credit references | 6 = Unverifiable information
Income insufficient for amount of credit requested | 1 = Debt-to-income ratio
Excessive obligations in relation to income | 1 = Debt-to-income ratio
Unable to verify income | 6 = Unverifiable information
Temporary or irregular employment | 2 = Employment history
Unable to verify employment | 6 = Unverifiable information
Length of employment | 2 = Employment history
Length of residence | 9 = Other; ‘Length of residence’ will be included as the Reasons for Denial Description
Temporary residence | 9 = Other; ‘Temporary residence’ will be included as the Reasons for Denial Description
Unable to verify residence | 6 = Unverifiable information
No credit file | 3 = Credit history
Limited credit experience | 3 = Credit history
Value or type of collateral not sufficient | 4 = Collateral
Delinquent past or present credit applications with others | 3 = Credit history
Collection action or judgment | 3 = Credit history
Bankruptcy | 3 = Credit history
Credit application incomplete | 7 = Credit application incomplete
Poor credit performance with us | 3 = Credit history
Insufficient number of credit references provided | 3 = Credit history
Unacceptable type of credit references provided | 3 = Credit history
Garnishment or attachment | 3 = Credit history
Foreclosure or repossession | 3 = Credit history
Number of recent inquiries on credit bureau report | 3 = Credit history
No credit score | 3 = Credit history
Location or condition of collateral (use only in Massachusetts) | 4 = Collateral
Other | 9 = Other; what you have entered in Other Reason Description will be included as the Reasons for Denial Description

To change the defaulted reasons, select Edit Reasons for Denial. If you select Edit Reasons for Denial, the reasons selected on the Notice Of Action Taken document default and are editable in the Origination/Disposition. If you make edits to the Reason Type on the Notice Of Action Taken document later, the Reasons for Denial that you have manually selected in the Origination/Disposition area will be retained. To revert to the defaulted reasons, unselect Edit Reason for Denial. Reasons for Denial do not default to or change the values disclosed on the Notice Of Action Taken document.