I'm a little stale with HMDA and not able to find anything on this.

In 9/2021 & 10/2022, Fannie Mae changed how they use credit scores for DU and Manually underwritten loans.

For Fannie Mae DU loans with more than one applicant, are you reporting the "representative credit score" or the "average median credit score" for HMDA?

It is very unclear in the Fannie Selling Guides which score is use for the credit decision. Both are used for different purposes - one for baseline eligibility and one for pricing, but the Fannie guides also state "credit scores are not an integral part of DU's risk assessment because DU performs its own analysis of the credit report data.". I have asked around and gotten several different responses - any insight here would be greatly appreciated!

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