diff --git a/app/services/imports/sales_logs_import_service.rb b/app/services/imports/sales_logs_import_service.rb
index c04bbb291..c2844e019 100644
--- a/app/services/imports/sales_logs_import_service.rb
+++ b/app/services/imports/sales_logs_import_service.rb
@@ -521,6 +521,7 @@ module Imports
       attributes["extrabor"] ||= 3 if attributes["mortgageused"] == 1
       attributes["socprevten"] ||= 10 if attributes["ownershipsch"] == 1
       attributes["fromprop"] ||= 0 if attributes["ownershipsch"] == 1
+      attributes["mortgagelender"] ||= 0 if attributes["mortgageused"] == 1
 
       # buyer 1 characteristics
       attributes["age1_known"] ||= 1
diff --git a/spec/services/imports/sales_logs_import_service_spec.rb b/spec/services/imports/sales_logs_import_service_spec.rb
index 4458b59b9..e41ffabaf 100644
--- a/spec/services/imports/sales_logs_import_service_spec.rb
+++ b/spec/services/imports/sales_logs_import_service_spec.rb
@@ -167,6 +167,23 @@ RSpec.describe Imports::SalesLogsImportService do
       end
     end
 
+    context "when the mortgage lender is not set" do
+      let(:sales_log_id) { "discounted_ownership_sales_log" }
+
+      before do
+        sales_log_xml.at_xpath("//xmlns:Q34a").content = ""
+        allow(logger).to receive(:warn).and_return(nil)
+      end
+
+      it "correctly sets mortgage lender and mortgage lender other" do
+        sales_log_service.send(:create_log, sales_log_xml)
+
+        sales_log = SalesLog.find_by(old_id: sales_log_id)
+        expect(sales_log&.mortgagelender).to be(0)
+        expect(sales_log&.mortgagelenderother).to be_nil
+      end
+    end
+
     context "with shared ownership type" do
       let(:sales_log_id) { "shared_ownership_sales_log" }