For loan applicants we are now collecting three different data elements, race, ethnicity, and sex. What happens when a borrower furnishes one, or two of these, but not all? (on a telephone/ mail/ internet app) The FNMA/FHLMC 1003 only has one check box to indicate that the information wasn't supplied. It is an "all or nothing" choice? However, the LAR allows the reporter to select "information not provided" on each data element. Can't I just report the ethnicity if this is all that is supplied? Doesn't this form look misleading if that is the case.

You report what the applicant provides and not provided for what they don't in non face to face applications. For face to face applications you fill in the blanks not provided by the applicant.

Dan is right. "Info not provided" can only be used for applications received by mail or telephone application after the loan officer requests the GMI, but the applicant refuses to supply.

So it would be wrong if the applicant marks "I do not wish" on a face to face interview and then the lender completes upon visual observation/surname? If so, I need to reverse my training.