The Lender must obtain a credit report for each borrower who will be obligated on the mortgage note. Joint reports may be ordered for individuals with joint accounts.
The Lender must obtain a credit report for a non-borrowing spouse who resides in a community property state, or if the subject property is located in a community property state.
The Lender is not required to obtain a credit report for borrowers applying for non-credit qualifying Streamline Refinance transactions.
For additional information see Handbook 4000.1 II.A.4.b.i and II.A.5.a.i. available at https://www.hud.gov/program_offices/administration/hudclips/handbooks/hsgh