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10 Option Values for Field [HMDA.X21] in Encompass 17.2
| Option Value | Display Text |
| Collateral | 4. Collateral |
| Credit application Incomplete | 7. Credit application incomplete |
| Credit history | 3. Credit history |
| Debt to Income Ratio | 1. Debt-to-income ratio |
| Employment history | 2. Employment history |
| Insufficient Cash | 5. Insufficient cash (downpayment, closing costs) |
| Mortgage insurance denied | 8. Mortgage insurance denied |
| Not applicable | 10. Not applicable |
| Other | 9. Other |
| Unverifiable Information | 6. Unverifiable information |