SYMPTOM
An error occurs when you export a Point file to ULDD and upload it to another system:
"Cannot insert the value NULL into column “Average Prime Offer Rate APR Spread” table LOS Prod dbo BatchLoan: column does not allow nulls. INSERT fails. The statement has been terminated"
CAUSE
The Rate Spread has been left blank. You must enter a Rate Spread or enter a value but the field cannot be left blank.
This article is intended for exporting to Fannie Mae/Freddie Mac ULDD.
If you are not exporting to ULDD but rather you are generating the HMDA Report and you are trying to enter NA for the Rate Spread; then simply leave the Rate Spread blank and Point will populate "NA" for the rate spread in the exported HMDA.DAT file.
RESOLUTION
Enter the Rate Spread on the HMDA screen
- Open the Point file and from the menu bar, select Track > HMDA.
- In the Loan Information section, enter the Rate Spread or a value into the Rate Spread field.
If you are generating a HMDA Report, leaving the Rate Spread blank will populate NA into the HMDA.DAT exported file.