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# When is the DTI not applicable for HMDA reporting?

An organization complies with § 1003.4(a)(23) by reporting that the DTI is not applicable when:

- No credit decision was made. For example, a file was closed for incompleteness or if an application was withdrawn before a credit decision was made.
- No debt to income ratio was relied on.
- The applicant and co-applicant, if applicable, are not natural persons.
- Reporting a purchased covered loan.