Q651 for 2025

hmda/src/main/scala/hmda/validation/engine/2025/LarEngine2025.scala

@@ -291,7 +291,8 @@ private[engine] object LarEngine2025 extends ValidationEngine[LoanApplicationReg
     quality2020.Q648,
     quality2020.Q649_1,
     quality2020.Q649_2,
-    quality2020.Q651,
+    quality2025.Q651_1,
+    quality2025.Q651_2,
     quality2020.Q652,
     quality2021.Q650_1,
     quality2021.Q650_2,

hmda/src/main/scala/hmda/validation/rules/lar/quality/_2025/Q651_1.scala

@@ -0,0 +1,19 @@
+package hmda.validation.rules.lar.quality._2025
+
+import hmda.model.filing.lar.LoanApplicationRegister
+import hmda.validation.dsl.PredicateCommon._
+import hmda.validation.dsl.PredicateSyntax._
+import hmda.validation.dsl.ValidationResult
+import hmda.validation.rules.EditCheck
+
+object Q651_1 extends EditCheck[LoanApplicationRegister] {
+  override def name: String = "Q651-1"
+
+  override def parent: String = "Q651"
+
+  override def apply(lar: LoanApplicationRegister): ValidationResult ={
+    when(lar.loan.combinedLoanToValueRatio is numeric) {
+        lar.loan.combinedLoanToValueRatio.toDouble is greaterThanOrEqual(1.5) or (lar.loan.combinedLoanToValueRatio.toDouble is lessThanOrEqual(0))
+    }
+  }
+}

hmda/src/main/scala/hmda/validation/rules/lar/quality/_2025/Q651_2.scala

@@ -0,0 +1,19 @@
+package hmda.validation.rules.lar.quality._2025
+
+import hmda.model.filing.lar.LoanApplicationRegister
+import hmda.validation.dsl.PredicateCommon._
+import hmda.validation.dsl.PredicateSyntax._
+import hmda.validation.dsl.ValidationResult
+import hmda.validation.rules.EditCheck
+
+object Q651_2 extends EditCheck[LoanApplicationRegister] {
+  override def name: String = "Q651-2"
+
+  override def parent: String = "Q651"
+
+  override def apply(lar: LoanApplicationRegister): ValidationResult ={
+    when(lar.loan.combinedLoanToValueRatio is numeric) {
+        lar.loan.combinedLoanToValueRatio.toFloat is lessThan(150)
+    }
+  }
+}

hmda/src/test/scala/hmda/validation/rules/lar/quality/_2025/Q651_1Spec.scala

@@ -0,0 +1,23 @@
+package hmda.validation.rules.lar.quality._2025
+
+import hmda.model.filing.lar.LarGenerators._
+import hmda.model.filing.lar.LoanApplicationRegister
+import hmda.validation.rules.EditCheck
+import hmda.validation.rules.lar.LarEditCheckSpec
+
+class Q651_1Spec extends LarEditCheckSpec {
+  override def check: EditCheck[LoanApplicationRegister] = Q651_1
+
+  property(
+    "CLTV should not be between 0 and 1.5") {
+
+    forAll(larGen) { lar =>
+        lar.copy(loan = lar.loan.copy(combinedLoanToValueRatio = "NA")).mustPass
+        lar.copy(loan = lar.loan.copy(combinedLoanToValueRatio = "0")).mustPass
+        lar.copy(loan = lar.loan.copy(combinedLoanToValueRatio = "1.5")).mustPass
+        lar.copy(loan = lar.loan.copy(combinedLoanToValueRatio = "1.49")).mustFail
+        lar.copy(loan = lar.loan.copy(combinedLoanToValueRatio = ".01")).mustFail
+
+    }
+  }
+}

hmda/src/test/scala/hmda/validation/rules/lar/quality/_2025/Q651_2Spec.scala

@@ -0,0 +1,23 @@
+package hmda.validation.rules.lar.quality._2025
+
+import hmda.model.filing.lar.LarGenerators._
+import hmda.model.filing.lar.LoanApplicationRegister
+import hmda.validation.rules.EditCheck
+import hmda.validation.rules.lar.LarEditCheckSpec
+
+class Q651_2Spec extends LarEditCheckSpec {
+  override def check: EditCheck[LoanApplicationRegister] = Q651_2
+
+  property(
+    "CLTV should be under 150") {
+
+    forAll(larGen) { lar =>
+        lar.copy(loan = lar.loan.copy(combinedLoanToValueRatio = "NA")).mustPass
+        lar.copy(loan = lar.loan.copy(combinedLoanToValueRatio = "149")).mustPass
+        lar.copy(loan = lar.loan.copy(combinedLoanToValueRatio = "0")).mustPass
+        lar.copy(loan = lar.loan.copy(combinedLoanToValueRatio = "150")).mustFail
+        lar.copy(loan = lar.loan.copy(combinedLoanToValueRatio = "151")).mustFail
+
+    }
+  }
+}