1003.4(a)(23) - does anyone know if we're reporting a whole number XX% or with the decimal XX.XX%? I cant find when reading. thanks in advance

It depends on what you actually use in making the credit decision.

thanks for the reply. yes, what we relied on. just wasn't sure if there was anything mentioned regarding rounding or if they want to capture all digits of the DTI. when you put it that way - our CU would capture up to 4 digits with the DTI reporting - XX.XX%

If you use 40.3% as the DTI you report 40.3. If you round 40.3% to 40% and use 40% as the DTI you report 40.

thanks again.

Anybody came across what to do if you rely on a number carried out to 3 decimal places? Do you round?

Found this thread - https://www.bankersonline.com/forum/ubbthreads.php/topics/2166805/re-dti-ltv-rounding-vs-truncating