From HMDA GIR
c. If there is more than one co-applicant, provide the required information only for the first co-applicant listed on the application form. If there are no co-applicants or coborrowers, use Code 5 (for ethnicity) and Code 8 (for race) for “no co-applicant” in the coapplicant column.
Integrity. With it, nothing else matters. Without it, nothing else matters.