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# When HMDA 2018 Rule 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 follows:

Table 1. 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
Lack of collateral | 4 = Collateral
Delinquent past or present credit obligations | 3 = Credit history
Collection action or judgment | 3 = Credit history
Bankruptcy | 3 = Credit history
Incomplete application | 7 = Credit application incomplete
Poor credit performance | 3 = Credit history
Too few credit references | 3 = Credit history
Credit references unacceptable | 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
Other | 9 = Other; what you have entered in Other Reason Description will be included as the Reasons for Denial Description

You are able to change the defaulted reasons by selecting Override Reason for Denial. Note that if you select Override Reason for Denial and later make edits to the Reason Type on the Notice of Action Taken document, the Reasons for Denial that you have manually selected in the Origination/Disposition area will be retained. If you want to revert to the defaulted reasons, unselect Override Reason for Denial. Reasons for Denial do not default to or change the values disclosed on the Notice of Action Taken document.