Skip to content
BOL Conferences
Page 1 of 2 1 2
Thread Options
#2162096 - 01/26/18 06:29 PM HMDA 2017 submission problems?
ccman Offline
Platinum Poster
Joined: Sep 2007
Posts: 937
Anyone else having problems submitting the 2017 data to the bureau?

We are getting edits that don't show on the scrub, but when we try to submit thru the portal
it saying there are problems.

We submitted to HMDA help or problem and after two days they want to see our screen shots
of what the system is telling us. This is what we said we are getting errors about:

For line 1, there is no table indicating the specific type of formatting error and the related fields impacted by the error.

For "applicant income" the field is filled in with "NA."

For "rate spread" the field is filled in with "NA."

Return to Top
HMDA

   
HMDA Academy
#2162118 - 01/26/18 07:59 PM Re: HMDA 2017 submission problems? ccman
Dan Persfull Online
10K Club
Dan Persfull
Joined: Aug 2002
Posts: 47,531
Bloomington, IN
I just tried to submit and the only error I got was one formatting error:

LAR Errors
Formatting errors in loan application records, arranged by row.
Row Errors
257 Census Tract is not numeric or NA

The census tract for row 257 is 0014.02. It is entered as '0014.02 (with the single parentheses). I've reentered the data twice and resubmitted twice and still got the formatting error. I sent an email to HMDA Help.
_________________________
The opinions expressed are mine and they are not to be taken as legal advice.

Return to Top
#2162163 - 01/26/18 09:43 PM Re: HMDA 2017 submission problems? Dan Persfull
ccman Offline
Platinum Poster
Joined: Sep 2007
Posts: 937
Thanks Dan. I'm sure there is still some de-bugging that has to be done.

We really need some time to come up to speed on these new procedures. Would have been really
nice if they simply delayed this overhaul of HMDA until next year. Thanks again.

Oh, Dan we have had snow here twice in the deep south! What fun, except for the flu bug and cold
bug hitting us hard.

Return to Top
#2162365 - 01/30/18 02:35 PM Re: HMDA 2017 submission problems? ccman
Dan Persfull Online
10K Club
Dan Persfull
Joined: Aug 2002
Posts: 47,531
Bloomington, IN
When counting rows do not include the informational rows. Row 257 was actually row 260 in the spreadsheet. Once the proper row was identified I had an extra period in the census tract number.

My data has now been filed and accepted.
_________________________
The opinions expressed are mine and they are not to be taken as legal advice.

Return to Top
#2162436 - 01/30/18 07:15 PM Re: HMDA 2017 submission problems? Dan Persfull
ccman Offline
Platinum Poster
Joined: Sep 2007
Posts: 937
Thanks Dan. That appears to be the problem. We are correcting it now.

Your help has been an absolute blessing. Thank you again.

Return to Top
#2162449 - 01/30/18 08:07 PM Re: HMDA 2017 submission problems? ccman
Dan Persfull Online
10K Club
Dan Persfull
Joined: Aug 2002
Posts: 47,531
Bloomington, IN
Here's a follow-up email they sent me.

For reference, the edits in the HMDA Platform count the rows based on the .txt file and consider the transmittal sheet row as row 1. If you're using the LAR Formatting Tool to create the .txt file, you would need to add 3 to the row number from the HMDA Platform to identify the row in the excel sheet, since rows 1, 2 and 4 are deleted when the .txt file is created.
_________________________
The opinions expressed are mine and they are not to be taken as legal advice.

Return to Top
#2163260 - 02/06/18 03:54 PM Re: HMDA 2017 submission problems? ccman
JMCBT Offline
Junior Member
Joined: Feb 2017
Posts: 36
We are four days into the process and still cannot get our data submitted. HMDA Help replied stating that there was an issue they fixed yesterday and asked us to resubmit. After attempting today we are still not able to submit, the signature box and submit button are grayed out. Anyone else having these issues?

Return to Top
#2163480 - 02/07/18 05:27 PM Re: HMDA 2017 submission problems? ccman
jmyhmda Offline
New Poster
Joined: Jan 2013
Posts: 10
I also had that issue, here is the response that I received from HMDA help:

Thank you for letting us know about this issue.

We recognize there was an issue causing that error message to be displayed in the HMDA Platform for certain file uploads. In many cases, there were edits present in the file, but they were not appearing on the screen as the user navigated through the submission steps.

We implemented a fix for the issue. Please re-upload your file and proceed through the submission steps. Please let us know if you encounter any further issues.

Best,
HMDA Help

Return to Top
#2163492 - 02/07/18 05:55 PM Re: HMDA 2017 submission problems? ccman
RR Joker Offline
10K Club
RR Joker
Joined: Nov 2002
Posts: 20,656
The Swamp
I uploaded a public LAR and then found out from my vendor I need to upload a detailed LAR instead. It passed the format checking tool just fine...but for some odd reason the original file I upload and got bad format on every single line, won't go away...it's sticking in the system even though I'm telling it to accept a new file.

How freaking frustrating!!
_________________________
My opinion only. Not legal advice.

Say you'll haunt me - Stone Sour

Return to Top
#2163499 - 02/07/18 06:12 PM Re: HMDA 2017 submission problems? ccman
RR Joker Offline
10K Club
RR Joker
Joined: Nov 2002
Posts: 20,656
The Swamp
Two hours later....it finally cleared and went through.
_________________________
My opinion only. Not legal advice.

Say you'll haunt me - Stone Sour

Return to Top
#2163589 - 02/08/18 12:28 AM Re: HMDA 2017 submission problems? ccman
Glutes Offline
Platinum Poster
Glutes
Joined: Dec 2005
Posts: 591
Texas
I was able to successfully upload our LAR on the HMDA Platform yesterday.

Took a handful of attempts.

I kept getting "syntactical and validity edits" which were legitimate formatting changes I needed to correct for certain columns of data. I apparently didn't pay attention to some of the formatting requirements for certain fields of data.

After correcting the formatting errors, the HMDA Platform moved me past the syntactical and validity edits and on to the quality and macro quality edits which were verified without issue.

Proceeded to the submission step and completed that without issue. I received a HMDA Filing Summary on the screen indicating the completion of the submission. I did not receive any kind of e-mail notification or acknowledgement indicating the successful submission or acknowledging receipt of the submission. Is that necessary with the HMDA Platform? Not sure, but I've grown to expect e-mail notifications from HMDAHELP on HMDA submissions.

All in all, it took about an hour to complete. I attribute that to my failure to fully prepare for and understand the specific formatting requirements for certain fields of data. I suspect if I had prepared the LAR with all the data in their proper format, I may have breezed through the syntactical and validity edits. In either case, that first step appears to do what it's intended to do... catch the syntactical and validity errors forcing you to correct.

Return to Top
#2163623 - 02/08/18 02:53 PM Re: HMDA 2017 submission problems? ccman
JMCBT Offline
Junior Member
Joined: Feb 2017
Posts: 36
Thanks everyone, we finally ...after 4 days... got everything submitted. This was a very frustrating process. Every step seemed to take a day each. I just printed out the receipt # for proving submission.

Return to Top
#2163887 - 02/09/18 05:24 PM Re: HMDA 2017 submission problems? ccman
Truffle Royale Offline

10K Club
Joined: Jul 2003
Posts: 17,400
Maybe waiting to let others work the bugs out helps. Mine just went through very easily uploading from QuestSoft.

Return to Top
#2163890 - 02/09/18 05:38 PM Re: HMDA 2017 submission problems? Truffle Royale
Sinatra Fan Offline
Power Poster
Sinatra Fan
Joined: Jul 2002
Posts: 5,568
New Jersey
Same here. We uploaded last Friday using QuestSoft, and it was almost as easy as it was before when we filed with the FRB.
_________________________
Management is doing things right; leadership is doing the right things. Peter Drucker

Return to Top
#2163906 - 02/09/18 06:16 PM Re: HMDA 2017 submission problems? ccman
RR Joker Offline
10K Club
RR Joker
Joined: Nov 2002
Posts: 20,656
The Swamp
Mine was actually much easier than in the past!
_________________________
My opinion only. Not legal advice.

Say you'll haunt me - Stone Sour

Return to Top
#2164039 - 02/12/18 03:05 PM Re: HMDA 2017 submission problems? ccman
Catm1991 Offline
100 Club
Joined: Jul 2014
Posts: 194
MO
I am having formatting issues, and mine also went through the initial File Format Verification Tool just fine. Every time I push the button too Create the LAR I have to contact our IT and they have too go through it because it's saying the file is corrupted, and IT says this is something we can't fix right now, so he has too copy and paste too a new excel sheet before I submit.

Now the next issue, which is giving me massive headaches!!! I am getting a Syntactical 040 error, which at Git Hub it states that it is a duplicating error. Well, none of my entries are duplicated, so I thought....the issue is our denial and w/d's.
Example:
l.o. MB has a denial on Jan.1, 2017 with applicant requesting $50,000 of credit, well we number this HMDA entry as MB010117-50. Then on April 3, l.o. MB has a denial requesting $125, and this denial is numbered as MB040317-125...so you can see where I am going with this.

My question is does anyone have a solution as too how I can re number our denials and w/d's? I thought about going through and numbering them beginning with 1, 2, 3, so on and so on, but the system will find my LAR as duplicating again because in the 20's those will all start with a 2, then when I get to the 30's, those will start with a 3, etc., etc.

I am going crazy! Does anyone have any suggestions? Please......

Return to Top
#2164042 - 02/12/18 03:09 PM Re: HMDA 2017 submission problems? ccman
RR Joker Offline
10K Club
RR Joker
Joined: Nov 2002
Posts: 20,656
The Swamp
I don't see how the numbers you show above as being any where near duplications. They are very different!

Our numbers all start with a 1 or a branch number, depending on single pay vs amortized and I don't have that issue.
_________________________
My opinion only. Not legal advice.

Say you'll haunt me - Stone Sour

Return to Top
#2164047 - 02/12/18 03:27 PM Re: HMDA 2017 submission problems? ccman
Catm1991 Offline
100 Club
Joined: Jul 2014
Posts: 194
MO
I know, I didn't think the system would pull them as being duplicated because the whole loan/application number aren't the same but I thought maybe it's because of the loan officers initials at the beginning of the number is being duplicated. Because each month the same loan officers are going to have deials and w/d's.

I'm literally stressing so badly and just don't know what to do to fix it frown

Return to Top
#2164070 - 02/12/18 04:51 PM Re: HMDA 2017 submission problems? ccman
RR Joker Offline
10K Club
RR Joker
Joined: Nov 2002
Posts: 20,656
The Swamp
Curiously, can you use hyphens? I think the ULI has to be alphanumeric only. Maybe that's causing an issue?
_________________________
My opinion only. Not legal advice.

Say you'll haunt me - Stone Sour

Return to Top
#2164075 - 02/12/18 04:59 PM Re: HMDA 2017 submission problems? ccman
RR Joker Offline
10K Club
RR Joker
Joined: Nov 2002
Posts: 20,656
The Swamp
(B) Follows the LEI with up to 23 additional characters to identify the covered loan or application, which:

(1) May be letters, numerals, or a combination of letters and numerals;
_________________________
My opinion only. Not legal advice.

Say you'll haunt me - Stone Sour

Return to Top
#2164077 - 02/12/18 05:01 PM Re: HMDA 2017 submission problems? ccman
RR Joker Offline
10K Club
RR Joker
Joined: Nov 2002
Posts: 20,656
The Swamp
Therefore, the final rule does not permit the use of symbols,
as in proposed § 1003.4(a)(1)(i)(B)(1).
Last edited by RR Joker; 02/12/18 05:01 PM.
_________________________
My opinion only. Not legal advice.

Say you'll haunt me - Stone Sour

Return to Top
#2164080 - 02/12/18 05:14 PM Re: HMDA 2017 submission problems? ccman
JWills, CRCM Offline
Diamond Poster
JWills, CRCM
Joined: May 2013
Posts: 1,782
The Mitten State
Hoping to submit by Friday. Any advice? TIA!
_________________________
Nonsense wakes up the brain cells.

--Dr. Seuss

Return to Top
#2164087 - 02/12/18 05:36 PM Re: HMDA 2017 submission problems? RR Joker
Catm1991 Offline
100 Club
Joined: Jul 2014
Posts: 194
MO
Ya, that's what I'm thinking, so I'm going in and numbering them, so they will start with a number instead of the letter of the l.o.'s initials. I'm hoping that fixes it.....

Return to Top
#2164103 - 02/12/18 06:49 PM Re: HMDA 2017 submission problems? ccman
RR Joker Offline
10K Club
RR Joker
Joined: Nov 2002
Posts: 20,656
The Swamp
Catm, the letters aren't the problem. The hyphen is.
Last edited by RR Joker; 02/12/18 06:50 PM.
_________________________
My opinion only. Not legal advice.

Say you'll haunt me - Stone Sour

Return to Top
#2164351 - 02/13/18 09:30 PM Re: HMDA 2017 submission problems? RR Joker
Comply 101 Offline
Platinum Poster
Comply 101
Joined: Jul 2001
Posts: 708
Anyone experiencing firewall issues internally once you log into the portal? I can access it fine from my home computer.
_________________________
CRCM CAMs

Return to Top
Page 1 of 2 1 2