HMDA Denial Reason - Code 4—Value or type of collateral not sufficient

Adequate value and condition of the dwelling collateral are an obvious fit.

Would these fall under the collateral denial reason (4), or would one report it under 9-Other?

1) Property Ownership issue with title
2) It was discovered that the 1st lien was an HE loan that needs to be paid off, and the applicant doesn't want to do so (Texas)
3) It was discovered that the property was a mobile/manufactured home, and one's bank does do loans for that collateral type
4) The title process discovered judgements on the subject property that the applicants cannot or will not remedy
5) Miscellaneous other issues related to the property discovered during the title process

Thanks for your help...

None of those reasons to me seem to specifically relate to that HMDA Reason Code, but this is really a fact-based decision. Although I do not understand a couple of them. Like #2 - what sort of loan did they apply for? #5 is too much a catch all to opine on.

They applied for a HE loan, and it was discovered their 1st lien was already a HE loan, which means they are required to pay the 1st HE loan off...but they were unwilling and hoping to add the 2nd HE as a subordinate lien.

If the borrowers were applying for a second Home Equity Loan, then that is not even adverse action under Regulation B, since State law would prohibit such a transaction.

1002.2(c) Adverse action.

(2) The term does not include:

(iv) A refusal to extend credit because applicable law prohibits the creditor from extending the credit requested; or