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HMDA RELIEF FAQ's hmda frequently asked questions



Q. Why do I get a "File Open Error" message?
A.
File open error means two or more HMDA/CRA RELIEF programs are currently running. Check other users, to see if HMDA/CRA RELIEF is installed on the network. Close out all HMDA/CRA RELIEF programs and try running the application again.


Q. Why don't total LAR records match with total year records?
A.
Most likely you cancelled the testing process while HMDA/CRA RELIEF is testing records. Re-test database and let it complete 100% of the testing.


Q. I can't see my LOS from the Import database drop-down?
A.
Go to the Setup Button, go to LOS Setup under Available Screens and select your LOS.

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Q. How do I send a Geocoding Outsource file and how do I load the Return file?
A.
To send Outsource file: Go to Geocoding Button, select Create Outsource, choose E-Mail to QuestSoft Geocoding Services if you will be using E-Mail (preferred by QuestSoft) to send the information. Your e-mail service must be able to use Microsoft Outlook compatible e-mail for this feature. All relevant information necessary for us to process your request will be automatically completed. All you should need to do is press the Send button. Load Return File: After processing, you will be sent a file named GCReturn.zip. Simply return to the Geocoding Button, select Load Outsourcing under Available Screens. Select the folder where you placed the file on your computer and press Load Outsourcing.


Q. Why am I getting a "Duplicate Record Listing" screen after I imported records?
A.
Your HMDA/CRA program automatically checks and eliminates duplicate records in your LAR database. This process is done through comparison of the Application/Loan Number which is required to be a unique number in accordance with the HMDA/CRA submission guidelines. Records with the same loan application number but containing field information which is different are displayed to allow you the opportunity to guide the program into understanding which information is the more accurate information. In some cases this may be the imported or new record. For example, if you went back to your loan processing software to enter correct loan status codes (opened, closed, etc.). Then the imported information would be more accurate than the current LAR record.


Q. How can I protect all the work I did in my database?
A.
HMDA/CRA RELIEF has a complete backup system contained in the Utilities option of the menu bar. The options you may select under Available Screens are as follows:
Backup - Provide a name of the file. It can be as simple as "HMDA/CRA Backup".
Restore - This option will OVERWRITE your existing CRA file. Once restored, there will be no way to retrieve previous records unless they were backed up under a separate database.
Empty Database - Deletes ALL records from the currently active database. This is often used in situations where an initial import brought in errant loans and you wish to "start over" again.


Q. My computer crashed, I rebooted and when I went back into HMDA/CRA RELIEF, the total record count is now way below the original record count. What happened?
A.
Exit out of the program, go to the installation folder of CRA RELIEF, look for a file named HMDADB6 .dbf or CRADB6.dbf and move it into the Import folder. Open your HMDA/CRA program, go to Import/Export, select HMDA/CRA-RELIEF Database from the drop down list and Browse to the Import folder to find the file with a .dbf extension. Click OK and Start. This should bring up your original database before the machine locked up.


Q. Is there a faster way to edit and correct records with errors?
A. Group Edits
allow you to change a large number of records at a time. The primary advantage of the group edits in HMDA/CRA RELIEF compared to other products is their intuitiveness. Our edits are not merely change one number to another number, rather the edits and recommendations adjust based on other factors within the loan record.
Blue Edits are generally less harmless to apply. This does not mean you don't need to think and do what is right for your organization. However, errors such as denial reasons in loans that weren't denied are generally the result of user error or inconsistencies in your loan origination software. In this instance the application of the group edit is entirely warranted.
Red Edits are generally not recommended except as a last resort. Correcting geocoding errors with group edits early in the year are usually not suggested  (except for the edit that assigns NA to the MA only). These edits are generally recommended only just before submission and then only if all other options for proper entry have been exhausted.


Q. I keep separate databases for each quarter I process. How do I merge all 4 quarters before submitting my HMDA/CRA report?
A.
Go to Import/Export, Select HMDA or CRA RELIEF Backup file from the Import Database drop down list. Click Browse to go to Qsoft\CR2006\Backup or Qsoft\HR2006\BackupFolder then select the file you choose to import.


Q. When I import more records, does it add to, or overwrite the records I already have in HMDA/CRA RELIEF?
A.
Importing more records into your HMDA/CRA RELIEF appends to your current database unless you have duplicate loan numbers. Exact duplicates are deleted.