Last minute HMDA question--
Applicant has income now but job will end in 6 mos & has nothing lined up.
Request is declined for temporary-irregular employment.
Report what he earns now or NA?

Thank you!

Report the income that was used in making the decision.

I've been chasing my tail on that very issue.
What would you do?

HMDA is application based. What did the applicant say their income was on the application? That's what I'd report along with the denial code for temporary-irregular employment. That tells the whole story.

Thank you so much. That makes sense to me.
The applicant did state monthly income from the present job.