credit score & DTI for employee applications Home › Forums › Home Mortgage Disclosure Act › credit score & DTI for employee applications Tagged: HMDA Reportable Employee applications This topic contains 1 reply, has 2 voices, and was last updated by rcooper 8 months ago. Viewing 2 posts - 1 through 2 (of 2 total) Author Posts March 18, 2019 at 5:22 pm #14655 TheBankParticipant For HMDA reportable employee applications, we report NA for the income to help keep income confidential. Can we report NA for DTI and credit scores on employee applications as well? March 21, 2019 at 5:02 pm #14673 rcooperKeymaster Regulation C commentary to 1003.4(a)(10) allow banks to report NA for income on employee loans. However, neither the regulation nor the commentary provide the same exception for DTI at 1003.4(a)(23) or Credit Score at 1003.4(a)(15). Author Posts Viewing 2 posts - 1 through 2 (of 2 total) You must be logged in to reply to this topic.