HMDA Edits

The HMDA Edits (Quality, Validity, Syntactical) provide an explanation of specific edit questions and should be thoroughly checked to ensure the data are reported accurately. The data in question are either reported in error as invalid or do not agree with an expected standard (value). The Edits should be used to ensure data validity, accuracy and integrity. Reporting institutions should review for correctness and change only if erroneous data have been reported.

Available Formats:

* 2016 PDF File | MS Word

  • Revised December 1, 2016 as a result of deleting the Q046 micro edit and removing the macro edit threshold.
  • Revised March 24, 2016 as a result of revisions made to the Q002 error explanation.
  • Revised November 13, 2015 as a result of revisions made to edits S100, Q002, Q044, Q045, Q067, Q059, and a threshold change made to macro quality edits.

* 2015 PDF File | MS Word

  • Revised March 24, 2016 as a result of revisions made to the Q002 error explanation.
  • Revised December 3, 2014 as a result of the creation of a new edit, V535; deletion of edits Q026, Q061, and Q050; and revisions made to edits S100, Q003, Q004, Q005, and Q051.

* 2014 PDF File | MS Word

  • Revised June 16, 2014 as a result of the CFPB published revisions to the Home Equity and Equity Protection Act (HOEPA) rule that expanded HOEPA coverage; deleted edit V530; new edit Q046; revised edits Q044 and Q045.
  • Revised September 13, 2013 as a result of the creation of a new edit, V338; and revisions made to edits S100, V210, Q004, Q026, Q068, Q014, Q067, and Q031.

* 2013 PDF File | MS Word

  • Revised October 10, 2012 as a result of creation of two new edits, V108 and Q010; deletion of edit Q060; and revisions made to edits S100, Q033, Q002, Q022, Q024, Q011, Q071, and Q072.

Historic HMDA Edits