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11 Option Values for Field [HMDA.X21] in Encompass 19.1

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
Exempt 1111. Exempt
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