Ethnicity Categorization 2018

Aggregation of Disaggregated Ethnicity Information

• If Applicant or Co-Applicant Ethnicity: 1, 2, 3, 4 or 5 is 11, 12, 13, and/or 14, then the Applicant Ethnicity in that field is aggregated to Hispanic or Latino (Any code beginning in 1 is aggregated to Hispanic or Latino).

• Disaggregated applicant and co-applicant ethnicities are aggregated up and counted only once (i.e. reporting three different Hispanic subcategories still just rolls up to Hispanic and is counted only once).

Free Form Text Only

IF

• Ethnicity of Applicant or Borrower: 1 is blank

THEN

• Categorize as Free Form Text Only

Ethnicity Not Available

IF

• Applicant Ethnicity = (3) or (4)

THEN

• Categorize as Ethnicity not available

Hispanic or Latino

IF

• Applicant Ethnicity:1 = Hispanic or Latino (1, 11, 12, 13 or 14)

AND

• Applicant Ethnicity: 2, 3, 4 and 5 are blank

AND

• Co-Applicant Ethnicity: 1, 2, 3 4 or 5 does not equal Not Hispanic or Latino (Code 2)

THEN

• Categorize as Hispanic or Latino (1)

IF

• Applicant Ethnicity:1, 2, 3, 4 and 5 contain only Hispanic codes (1, 11, 12, 13 and/or 14)

AND

• Co-Applicant Ethnicity: 1, 2, 3 4 or 5 does not equal Not Hispanic or Latino (Code 2)

THEN

• Categorize as Hispanic or Latino (1)

Not Hispanic or Latino

IF

• Applicant Ethnicity:1 = Not Hispanic or Latino (Code 2)

AND

• Applicant Ethnicity: 2, 3, 4 and 5 are blank

AND

• Co-Applicant Ethnicity: 1, 2, 3, 4 and 5 does not equal 1, 11, 12, 13, and/or 14

THEN

• Categorize as Not Hispanic or Latino (2)

Joint

IF

• Applicant Ethnicity: 1, 2, 3, 4 or 5 = Hispanic or Latino (1, 11, 12, 13 and/or 14)

AND

• Co-Applicant Ethnicity: 1, 2, 3, 4 or 5 = Not Hispanic or Latino (2)

THEN

• Categorize as Joint

IF

• Applicant Ethnicity: 1, 2, 3, 4 or 5 = Not Hispanic or Latino (2)

AND

• Co-Applicant Ethnicity: 1, 2, 3, 4 or 5 = Hispanic or Latino (1, 11, 12, 13, or 14)

THEN

• Categorize as Joint

IF

• Applicant has more than one ethnicity (1, 11, 12, 13, and/or 14 AND 2 in the 5 ethnicity fields)

OR

• Co-Applicant has more than one ethnicity (1, 11, 12, 13, and/or 14 AND 2 in the 5 ethnicity fields)

THEN

• Categorize as Joint