XML Mortgage Partners Database Dictionary, version 0.6

ALIAS

Attribute Name	Datatype	Minimum	Maximum	Units	Description
CompanyLegalName	string()				The company's legal name.
CompanyName	string()				The short name of the company.
TaxIdentificationNumber	string()				The company's tax identification number (TIN).
FirstName	string()				The person's first name.
Generation	string()				The person's generation if applicable, e.g. Jr., Sr., etc.
LastName	string()				The person's last name.
MiddleName	string()				The person's middle name.
Prefix	string()				Prefix of a person's name, e.g. Mr., Mrs., etc.
UnformattedName	string()				The unformatted name of the person.
AccountNumber	string()				Account number of this account.
DatePaid	dateTime				Date this account was paid off.
HighBalance	currency				Highest balance reached on this account.
Purpose	string()				Purpose of this account.

APPLICATION

Attribute Name	Datatype	Minimum	Maximum	Units	Description
CompanyLegalName	string()				The company's legal name.
CompanyName	string()				The short name of the company.
TaxIdentificationNumber	string()				The company's tax identification number (TIN).
FirstName	string()				The person's first name.
Generation	string()				The person's generation if applicable, e.g. Jr., Sr., etc.
LastName	string()				The person's last name.
MiddleName	string()				The person's middle name.
Prefix	string()				Prefix of a person's name, e.g. Mr., Mrs., etc.
UnformattedName	string()				The unformatted name of the person.
InterviewDate	dateTime				Date of the interview.
InterviewType	enumerated				Interview type performed.   FaceToFace: Face-to-face (in person) application.   Mail: Written communication (including electronic application).   Telephone: Voice only interview.

APPRAISAL

Attribute Name	Datatype	Minimum	Maximum	Units	Description
CompanyLegalName	string()				The company's legal name.
CompanyName	string()				The short name of the company.
TaxIdentificationNumber	string()				The company's tax identification number (TIN).
FirstName	string()				The person's first name.
Generation	string()				The person's generation if applicable, e.g. Jr., Sr., etc.
LastName	string()				The person's last name.
MiddleName	string()				The person's middle name.
Prefix	string()				Prefix of a person's name, e.g. Mr., Mrs., etc.
UnformattedName	string()				The unformatted name of the person.
AppraisalType	enumerated				The type of appraisal that was performed.   DriveBy: Drive-by appraisal only.   Full: Full appraisal.   HUD1: HUD-1 appraisal.   StatedValue: Appraisal based on stated value.   StatisticalAnalysisReport: Statistical analysis report.
AppraisedPropertyValue	currency				The appraised value of the property.
DateOrdered	dateTime				Date the appraisal was ordered.
DatePerformed	dateTime				Date the appraisal was performed.

ARM

Attribute Name	Datatype	Minimum	Maximum	Units	Description
IndexMargin	number(6,3)	0	999.999	Percent	Margin applied to the index in the ARM rate calculations.
IndexName	string()				Name of the index being used as a basis for the rate calculations.
IndexTermType	enumerated				Type of the index term.   TBD: To be determined.
IndexValue	number(6,3)	0	999.999	Percent	Current value of the index that forms the basis for this ARM.
MaximumLifetimeRate	number(6,3)	0	999.999	Percent	Maximum lifetime interest rate for this ARM.
MaximumLifetimeRateDecrease	number(6,3)	0	999.999	Percent	Maximum lifetime interest rate decrease for this ARM.
MaximumLifetimeRateIncrease	number(6,3)	0	999.999	Percent	Maximum lifetime rate increase for this ARM.
MinimumLifetimeRate	number(6,3)	0	999.999	Percent	Minimum lifetime interest rate for this ARM.
PaymentAdjustmentFirstPeriod	number(3,0)	0	999	Months	The duration of the first payment adjustment period, in months.
PaymentAdjustmentLifeAmountCap	currency				Maximum payment adjustment amount over the lifetime of this loan, in currency units.
PaymentAdjustmentLifePercentCap	number(6,3)	0	999.999	Percent	Maximum payment adjustment over the life of this loan, as a percentage of the original P&I.
PaymentChangeBaseType	enumerated				The payment change base type for this loan.   TBD: To be determined.
QualifyingRate	number(6,3)	0	999.999	Percent	Qualifying rate for this ARM.
RateAdjustmentFirstPeriod	number(3,0)	0	999	Months	The first rate adjustment period for this loan, in months.
RateChangeBaseType	enumerated				The rate change base type for this loan.   TBD: To be determined.

ARMPAYMENTADJUSTMENT

Attribute Name	Datatype	Minimum	Maximum	Units	Description
CalculationType	enumerated				Calculation type for this payment adjustment.   TBD: To be determined.
Duration	number(3,0)	0	999	Months	The duration, in months, of this adjustment.
Frequency	number(3,0)	0	999	Months	The frequency of the adjustment within its duration, in months.
PaymentAdjustmentAmount	currency				The amount of this payment adjustment.
PaymentAdjustmentCap	currency				The adjustment cap for this payment adjustment.
PaymentAdjustmentPercent	number(6,3)	0	999.999	Percent	Adjustment to the payment amount, in percent.
PaymentAdjustmentPercentCap	number(6,3)	0	999.999	Percent	Payment adjustment cap expressed as a percentage of the original P&I value.
PaymentAdjustmentType	enumerated				Type of payment adjustment.   TBD: To be determined.

ARMRATEADJUSTMENT

Attribute Name	Datatype	Minimum	Maximum	Units	Description
CalcMethodType	enumerated				The calculation method type for this rate adjustment.   TBD: To be determined.
Duration	number(3,0)	0	999	Months	The duration, in months, of this adjustment.
Frequency	number(3,0)	0	999	Months	The frequency of the adjustment within its duration, in months.
NewRate	number(6,3)	0	999.999	Percent	The new rate for the ARM, in percent.
PeriodicRateDecrease	number(6,3)	0	999.999	Percent	Periodic decrease in the interest rate, in percent.
PeriodicRateIncrease	number(6,3)	0	999.999	Percent	Periodic increase of the rate, in percent.
RateCap	number(6,3)	0	999.999	Percent	The maximum rate for this rate adjustment.

ASSET

Attribute Name	Datatype	Minimum	Maximum	Units	Description
CompanyLegalName	string()				The company's legal name.
CompanyName	string()				The short name of the company.
TaxIdentificationNumber	string()				The company's tax identification number (TIN).
AccountNumber	string()				Account number of this account.
AssetType	enumerated				Type of the asset.   BusinessNetWorth: Net worth of the portion of a business owned by the borrower.   CheckingAccount: Checking account.   MoneyMarketAccount: Money market account.   MoniesNotDeposited: Gifts, grants, and other monies not deposited.   RetirementAccounts: Value of 401(k), 403(b), IRA, Roth, and other retirement accounts.   SavingsAccount: Savings account.   Securities: Stocks, bonds, and mutual funds.   TimeDeposit: Certificate of deposit or other time deposit.
AssetValue	currency				Value of the asset.
Description	string()				Description of the item.
NumberOfShares	currency				The number of shares in this asset (if the asset is of a type that supports shares, such as stock).
AssetTypeOther	string()
IsVerified	boolean				Flag indicating that the asset has been verified.

AUTOMOBILE

Attribute Name	Datatype	Minimum	Maximum	Units	Description
CompanyLegalName	string()				The company's legal name.
CompanyName	string()				The short name of the company.
TaxIdentificationNumber	string()				The company's tax identification number (TIN).
AutoLoanAccountNumber	string()				Account number of the auto loan associated with the automobile.
AutoMakeModel	string()				Make and model of the automobile.
AutoValue	currency				The value of the automobile.
AutoYear	string()				The year the automobile was built.
MonthsLeftToPay	number(3,0)	0	999	Months	Months left to pay on this obligation.
PaymentAmount	currency				Payment amount for this obligation.

BORROWER

Attribute Name	Datatype	Minimum	Maximum	Units	Description
FirstName	string()				The person's first name.
Generation	string()				The person's generation if applicable, e.g. Jr., Sr., etc.
LastName	string()				The person's last name.
MiddleName	string()				The person's middle name.
Prefix	string()				Prefix of a person's name, e.g. Mr., Mrs., etc.
UnformattedName	string()				The unformatted name of the person.

BORROWERADDRESS

Attribute Name	Datatype	Minimum	Maximum	Units	Description
Address1	string()				Unformatted address line 1.
Address2	string()				Unformatted address line 2.
BoxNumber	string()				Box number of the address.
City	string()				City portion of the address.
PostalCode	string()				Postal code (zip code for USA addresses) of the address.
PostalCodeExtension	string()				Postal code extension (zip + 4 for USA addresses) of the address.
StateOrProvince	string()				State or province of the address.
StreetNumber	string()				Street number of the address.
PrefixDirection	string()				Prefix direction of the street.
SuffixDirection	string()				Postfix direction of the street.
StreetName	string()				Name of the street.
IsCurrentAddress	boolean				Flag indicating that this is the current residence of the borrower.
MonthsAtAddress	number(2,0)	0	11	Months	The number of months the borrower lived (has lived) at this address.
OwnershipType	enumerated				Ownership type for the property.   LiveRentFree: Borrower lives (lived) rent-free at the address in question.   Own: Borrower owns (owned) the property at the address in question.   Rent: Borrower rents (rented) the property at the address in question.
YearsAtAddress	number(3,0)	0	130	Years	Number of years the borrower lived, or has lived, at this address.

BORROWERASSET

Attribute Name	Datatype	Minimum	Maximum	Units	Description
PercentageOwned	number(6,3)	0	100	Percent	Percentage of this item owned by the referenced borrower.

BORROWERLIABILITY

Attribute Name	Datatype	Minimum	Maximum	Units	Description
PercentageOwned	number(6,3)	0	100	Percent	Percentage of this item owned by the referenced borrower.

BORROWERPERSONAL

Attribute Name	Datatype	Minimum	Maximum	Units	Description
FirstName	string()				The person's first name.
Generation	string()				The person's generation if applicable, e.g. Jr., Sr., etc.
LastName	string()				The person's last name.
MiddleName	string()				The person's middle name.
Prefix	string()				Prefix of a person's name, e.g. Mr., Mrs., etc.
UnformattedName	string()				The unformatted name of the person.
AlternateIdentificationNumber	string()				Alternate identification number of the borrower.
AlternateIdentificationNumberType	enumerated				Type of alternate identification for the borrower.   CanadianSocialInsuranceNumber: Canadian social insurance number.   Other: Other identifier.   TaxpayerIdentificationNumber: Taxpayer identification number (TIN)
BorrowerAge	number(3,0)	0	130	Years	Age of the borrower.
CAIVR	string()				CAIVR information for the borrower.
IsFirstTimeHomebuyer	boolean				Flag indicating that this loan's borrower(s) qualified for first time homebuyer status.
IsPrimaryBorrower	boolean				Flag indicating that this borrower is the primary borrower on the loan.
IsRaceSexSupplied	boolean				Flag indicating whether the borrower chose to offer their race and sex information at the time of application.
JointBorrowerID	string()				Identifier indicating the joint borrower on the loan.
MaritalStatusType	enumerated				Marital status of the borrower.   Married: Married.   Separated: Separated.   Unmarried: Unmarried.
NumberOfDependents	number(3,0)	0	999		Number of dependents.
RaceOtherDescription	string()				Description of the race of the borrower if the RaceType provided is Other.
RaceType	enumerated				Race of the borrower.   AmericanIndianOrAlaskan: American Indian or Alaskan Native.   AsianPacific: Asian or Pacific Islander.   BlackNotHispanic: Black, not of Hispanic origin.   Hispanic: Hispanic.   Other: Other race.   WhiteNotHispanic: White, not of Hispanic origin.
SexType	enumerated				Sex of the borrower.   Female: Female.   Male: Male.
SignatureDate	dateTime				Date the application was signed.
SocialSecurityNumber	string()				Social security number of the applicant.
YearsOfSchool	number(3,0)	0	999	Years	Number of years of schooling the borrower has had.
IsVeteran	string()				Flag indicating that this borrower is a veteran.
EntitlementAmount	currency				Amount of the VA Entitlement for this loan.

BUREAUSCORE

Attribute Name	Datatype	Minimum	Maximum	Units	Description
Comment	string()				Comments on this item.
CreditScore	string()				The credit score reported in this element
CreditTargetType	enumerated				The target of the element in the credit report.   AuthorizedUser: Authorized user.   Comaker: Co-maker.   Joint: Joint ownership or obligation in severalty.   JointContractual: Joint contractual liability.   Maker: Maker (with co-maker).   OnBehalfOf: On behalf of.   Participant: Participant.   Sole: Associated with individual only.   Spouse: Nonapplicant spouse.   Terminated: Terminated.   Undesignated: Undesignated.
RepositoryType	enumerated				The repository from which the information in the credit report is derived.   Equifax: Equifax.   Experian: Experian.   ExperianEquifax: Experian and Equifax.   ExperianTransUnion: Experian and TransUnion.   ExperianTransUnionEquifax: Experian, TransUnion, and Equifax.   Other: Other repository.   TransUnion: TransUnion.   TransUnionEquifax: TransUnion and Equifax.
ScoringModel	string()				The scoring model used to arrive at the credit score shown in this element.

BUYDOWN

Attribute Name	Datatype	Minimum	Maximum	Units	Description
BaseDateType	enumerated				The base date type for this buydown.   TBD: To be determined.
BuydownType	enumerated				The type of buydown.   TBD: To be determined.
Duration	number(3,0)	0	999	Months	The duration, in months, of this adjustment.
Frequency	number(3,0)	0	999	Months	The frequency of the adjustment within its duration, in months.
FundingType	enumerated				The type of funding for this buydown.   TBD: To be determined.
IncreaseRate	number(6,3)	0	999.999	Percent	Rate increase for this buydown, in percent.

COMMITMENT

Attribute Name	Datatype	Minimum	Maximum	Units	Description
CommitmentDate	dateTime				The date the commitment agreement commences.
CommitmentTerm	number(4,0)	0	9999	Days	The duration of the commitment in days.
CommitmentAmount	currency				The total face value of the commitment.
UndeliveredAmount	currency				The amount still remaining to be delivered for this commitment.
MaxAmount	number(6,3)	0	999.999	Percent	The maximum total loan amount that will be accepted as part of this commitment, expressed as a percentage of the CommitmentAmount.
CommitmentPrice	number(6,3)	0	999.999	Percent	The price that will be paid for the commitment as specified, expressed as a percentage of the CommitmentAmount.
WeightedAverageCoupon	number(6,3)	0	999.999	Percent	The target weighted average interest rate for this commitment.
WeightedAverageCreditScore	number(3,0)	0	999		The target weighted average credit score for this commitment.
WACBuyupBuydown	number(6,3)	0	999.999	Percent	The percentage modification to the fee paid for these loans per percentage point variation in the weighted average interest rate delivered.
WACSBuyupBuydown	number(6,3)	0	999.999	Percent	The percentage modification to the fee paid for these loans per point of variation in the weighted average credit score delivered.
WACQuantization	number(6,3)	0	999.999	Percent	The quantization of weighted average interest rate variance (in percentage points) used when determining whether a fee variance needs to be applied.
WACSQuantization	number(3,0)	0	999		The quantization of weighted average credit score variance (in points) used when determining whether a fee variance needs to be applied.
MaxPrice	number(6,3)	0	999.999	Percent	The maximum adjusted price that will be paid for this commitment, expressed as a percentage of the CommitmentAmount.
EvaluationType	enumerated				How often the commitment is to be tracked and evaluated.   AnniversaryMonth: Calculated on the monthly anniversary of the start date.   AtEndOfTerm: Calculated at the end of the commitment term only.   CalendarMonth: Calculated on the first calendar day of every month.
MinimumDelivery	number(6,3)	0	999.999	Percent	The minimum total face value of loans that may be delivered under this agreement without penalty, expressed as a percentage of the CommitmentAmount.
LowDeliveryPenalty	number(6,3)	0	999.999	Percent	The penalty to be paid by the seller in the event of underdelivery, expressed as a percentage of the UndeliveredAmount.
ExtensionPeriod	number(3,0)	0	999	Days	The number of days a commitment agreement may be extended by mutual agreement of the buyer and seller, for the price given in ExtensionPrice.
ExtensionPrice	string()

COMMITMENTLOANRULE

Attribute Name	Datatype	Minimum	Maximum	Units	Description
Description	string()				Description of the item.

COMMITMENTPARAMETER

Attribute Name	Datatype	Minimum	Maximum	Units	Description
ParameterMeaning	string()				The meaning of this parameter.
ParameterValue	string()				The value for the parameter.

COMMITMENTPENALTY

Attribute Name	Datatype	Minimum	Maximum	Units	Description
PenaltyReason	string()				The reason this penalty was imposed.
PenaltyAmount	currency				The amount of the penalty.

COMMITMENTPERIODSTATUS

Attribute Name	Datatype	Minimum	Maximum	Units	Description
EvaluationDate	dateTime				The date the status of the commitment was evaluated.
DeliveredAmount	currency				The amount delivered for this commitment during this time period.
WeightedCoupon	number(6,3)	0	999.999	Percent	The weighted coupon rate for the loans delivered for this commitment during this time period.
WeightedCreditScore	number(3,0)	0	999		The weighted credit score for all loans delivered during this period.

COMMITMENTRULE

Attribute Name	Datatype	Minimum	Maximum	Units	Description
Description	string()				Description of the item.
Penalty	number(6,3)	0	999.999	Percent	The penalty to be paid if this rule is not met, expressed as a percentage of the total dollar volume for the period assessed.

COMMITMENTSTATUS

Attribute Name	Datatype	Minimum	Maximum	Units	Description
NextEvaluationDate	dateTime				The date the commitment will next be evaluated.
TotalDeliveredAmount	currency				The total delivered amount towards this commitment.
TotalWeightedCoupon	number(6,3)	0	999.999	Percent	The total average weighted coupon rate for the delivered loans for this commitment.
TotalWeightedCreditScore	number(3,0)	0	999		The total average weighted average credit score for the delivered loans for this commitment.

COMMUNITYLENDING

Attribute Name	Datatype	Minimum	Maximum	Units	Description
CommunityLendingProduct	string()				Community lending product type.
HUDMedianIncome	currency				HUD Median Income for this loan.
IncomeLimit	currency				Income limit for this loan.
IncomeLimitAdjustmentFactors	string()				Income limit adjustment factors for this loan.
IsFannieNeighborsEligible	boolean				Flag indicating that this loan is eligible for Fannie Neighbors.
IsCommunitySeconds	string()

CONSTRUCTION

Attribute Name	Datatype	Minimum	Maximum	Units	Description
AmountExistingLiens	currency				Amount of the existing liens on the property.
CostOfImprovements	currency				Cost of the improvements to be performed on the property.
OriginalCost	currency				Original cost of the property.
PresentValueOfLot	currency				Present value of the lot.
YearLotAcquired	number(4,0)	0	9999	Years	Year the lot was acquired.

CONTACT

Attribute Name	Datatype	Minimum	Maximum	Units	Description
ContactInformation	string()				The contact information, based on the ContactType specified.
ContactType	enumerated				The type of contact information included in this record.   CellPhone: Cellular phone number.   Email: E-mail address.   FaxNumber: Fax number   HomePhone: Home phone number.   PagerNumber: Pager number   WorkPhone: Work phone number.

CREDITLIABILITY

Attribute Name	Datatype	Minimum	Maximum	Units	Description
AccountNumber	string()				Account number of this account.
AccountType	enumerated				The type of account for this liability.   CreditLine: Credit line.   Installment: Installment liability.   Mortgage: Mortgage.   Open: Open liability.   Revolving: Revolving liability.
BalloonPaymentAmount	currency				Scheduled balloon payment amount for this loan.
ChargeOffAmount	currency				Charge-off amount for this liability.
ClosedDate	dateTime				Date this account was closed.
CollectionAgency	string()				Agency reponsible for the collection of this liability.
Comment	string()				Comments on this item.
CreditLimit	currency				Credit limit for this liability.
CreditLoanType	enumerated				The type of loan for this liability.   Automobile: Automobile loan.   BalloonFirst: Balloon first mortgage.   Business: Business loan.   ChargeAccount: Charge account.   ChildSupport: Child support.   Comaker: Co-maker.   CombinedCreditPlan: Combined credit plan.   ConventionalRealEstateMortgage: Conventional real estate mortgage.   CreditCard: Credit card.   DebitCard: Debit card.   DebtCounselingService: Debt counseling service.   Educational: Educational loan.   Employment: Employment.   FederalConsolidatedLoan: Federal consolidated loan.   FederalPLUSLoan: Federal PLUS loan to parents.   FederalSupplementalLoansForStudents: Federal Supplemental Loans For Students (SLS).   FHAComaker: FHA Co-maker (not borrower).   FHAHomeImprovement: FHA home improvement loan.   FHARealEstateMortgage: FHA real estate mortgage.   FullyAmortizedFirst: Fully amortized first mortgage.   GovernmentBenefit: Government benefit.   GovernmentEmployeeAdvance: Government employee advance.   GovernmentFeeForService: Government fee for service.   GovernmentFine: Government fine.   GovernmentGrant: Government grant.   GovernmentMiscellaneousDebt: Government miscellaneous debt.   GovernmentOverpayment: Government overpayment.   GovernmentSecuredDirectLoan: Government secured direct loan.   GovernmentSecuredGuaranteeLoan: Government secured guarantee loan.   GovernmentUnsecuredGuaranteeLoan: Government unsecured guarantee loan.   HomeEquityLineOfCredit: Home equity line of credit.   HomeImprovement: Home improvement loan.   HouseholdGoodsAndOtherCollateralAuto: Household goods and other collateral auto.   HouseholdGoodsSecured: Secured household goods.   InstallmentLoan: Installment loan.   InstallmentSalesContract: Installment sales contract.   InsuranceClaims: Insurance claims.   Lease: Lease.   LineOfCredit: Check credit or line of credit.   MobileHome: Mobile home loan.   Mortgage: Mortgage.   NoteLoan: Note loan.   NoteLoanWithComaker: Note loan with co-maker.   OneToFourServicing: One to four servicing loan.   Other: Other liability type.   PartiallySecured: Partially secured loan.   Personal: Personal loan.   RealEstate: Real estate loan, specific type unknown.   RealEstateMortgageWithoutCollateral: Real estate mortgage without other collateral.   Recreational: Recreational loan.   Refinance: Refinance loan.   Rehabilitation: Rehabilitation.   RentalAgreement: Rental agreement.   Residential: Residential loan.   ReturnedCheck: Returned check.   Sale: Sale.   Secured: Secured loan.   SecuredByCosigner: Loan secured by cosigner.   SecuredCreditLine: Secured credit line.   SpecialService: Special service loan.   SubordinateMortgage: Subordinate mortgage.   SubsidizedFederalStafford: Subsidized Federal Stafford loan.   SummaryOfAccounts: Summary of accounts.   Tax: Tax.   Unknown: Unknown loan type.   Unsecured: Unsecured loan.   UnsubsidizedFederalStafford: Unsubsidized federal Stafford loan.   VARealEstateMortgage: VA real estate mortgage.   Wholesale: Wholesale.   WrapAround: Wrap-around loan.
Creditor	string()				Agency that granted the credit for this liability.
CreditTargetType	enumerated				The target of the element in the credit report.   AuthorizedUser: Authorized user.   Comaker: Co-maker.   Joint: Joint ownership or obligation in severalty.   JointContractual: Joint contractual liability.   Maker: Maker (with co-maker).   OnBehalfOf: On behalf of.   Participant: Participant.   Sole: Associated with individual only.   Spouse: Nonapplicant spouse.   Terminated: Terminated.   Undesignated: Undesignated.
CurrentBalance	currency				Current balance for this liability.
CurrentRatingType	enumerated				The current rating for this liability (current delinquency information).   Current: Current (paid in full to present date.)   CurrentlyActive: Currently active.   CurrentlyOwing: Currently owing.   CurrentlyPastDue: Currently past due.   NinetyDaysPastDue: 90 - 119 days past due.   OneTwentyPastDue: 120 days or more past due.   PaidAnticipate: Paid anticipate.   PaidDiscount: Paid discount.   PaidInCash: Paid in cash.   PaidPrompt: Paid prompt.   PaidSlow: Paid slow.   PlacedForCollection: Bad debt placed for collection.   PlacedForCollectionPaid: Placed for collection and paid.   PlacedForCollectionPartiallyPaid: Placed for collection and partially paid.   Repossession: Repossession.   SixtyDaysPastDue: 60 to 89 days past due.   ThirtyDaysPastDue: 30 to 59 days past due.   TooNewToRate: Too new to rate.   UnfavorableComments: Unfavorable comments.   WageEarner: Making payments under a Wage Earner plan.
HighBalance	currency				Highest balance reached on this account.
HighestDelinquencyAmount	currency				Highest amount this account has been delinquent over its lifetime.
HighestDelinquencyDate	dateTime				Date of the most delinquent status of the loan.
HighestDelinquencyRatingType	enumerated				Current: Current (paid in full to present date.)   CurrentlyActive: Currently active.   CurrentlyOwing: Currently owing.   CurrentlyPastDue: Currently past due.   NinetyDaysPastDue: 90 - 119 days past due.   OneTwentyPastDue: 120 days or more past due.   PaidAnticipate: Paid anticipate.   PaidDiscount: Paid discount.   PaidInCash: Paid in cash.   PaidPrompt: Paid prompt.   PaidSlow: Paid slow.   PlacedForCollection: Bad debt placed for collection.   PlacedForCollectionPaid: Placed for collection and paid.   PlacedForCollectionPartiallyPaid: Placed for collection and partially paid.   Repossession: Repossession.   SixtyDaysPastDue: 60 to 89 days past due.   ThirtyDaysPastDue: 30 to 59 days past due.   TooNewToRate: Too new to rate.   UnfavorableComments: Unfavorable comments.   WageEarner: Making payments under a Wage Earner plan.
LastActivityDate	dateTime				Date of the last activity on this account.
Late120Days	number(3,0)	0	999		Number of times this liability has been paid 120 days late.
Late150Days	number(3,0)	0	999		Number of times this liability has been paid 150 days late.
Late180Days	number(3,0)	0	999		Number of times this liability has been paid 180 days late.
Late30Days	number(0,3)	0	999		Number of times this liability has been paid 30 days late.
Late60Days	number(3,0)	0	999		Number of times this liability has been paid 60 days late.
Late90Days	number(3,0)	0	999		Number of times this liability has been paid 90 days late.
LiabilityStatusDate	dateTime				Date as of which the liability status is reported.
MonthlyPayment	currency				Monthly payment for this liability.
MonthsReviewed	number(3,0)	0	999	Months	Number of months this liability has been reviewed.
MostRecentDelinquencyAmount	currency				Most recent delinquent amount for this liability.
MostRecentDelinquencyDate	dateTime				Date of the most recent delinquency on the loan.
MostRecentDelinquencyRatingType	enumerated				Current: Current (paid in full to present date.)   CurrentlyActive: Currently active.   CurrentlyOwing: Currently owing.   CurrentlyPastDue: Currently past due.   NinetyDaysPastDue: 90 - 119 days past due.   OneTwentyPastDue: 120 days or more past due.   PaidAnticipate: Paid anticipate.   PaidDiscount: Paid discount.   PaidInCash: Paid in cash.   PaidPrompt: Paid prompt.   PaidSlow: Paid slow.   PlacedForCollection: Bad debt placed for collection.   PlacedForCollectionPaid: Placed for collection and paid.   PlacedForCollectionPartiallyPaid: Placed for collection and partially paid.   Repossession: Repossession.   SixtyDaysPastDue: 60 to 89 days past due.   ThirtyDaysPastDue: 30 to 59 days past due.   TooNewToRate: Too new to rate.   UnfavorableComments: Unfavorable comments.   WageEarner: Making payments under a Wage Earner plan.
OpenedDate	dateTime				Date this account was opened.
OriginalPrincipalAmount	currency				Original principal amount for this loan.
PaidDate	dateTime				Date the item was paid.
PastDueAmount	currency				Past due amount for this liability.
RemainingTerm	number(3,0)	0	999	Months	Months remaining for this liability.
ReportedDate	dateTime				Date the item was reported.
Term	number(3,0)	0	999	Months	Term of this liability in months.

CREDITPAYMENTHISTORY

Attribute Name	Datatype	Minimum	Maximum	Units	Description
MonthsPrior	number(3,0)	0	999	Months	Number of months prior to the reported payment status date (in the CREDITLIABILITY entity) for which this status applies.
PaymentStatusType	enumerated				The status of the account at the time specified in this entity.   120DaysPastDue: 120 days past due.   150DaysPastDue: 150 days past due.   180DaysPastDue: 180 days past due.   30DaysPastDue: 30 days past due.   60DaysPastDue: 60 days past due.   90DaysPastDue: 90 days past due.   BadDebt: Bad debt or placed for collection.   Current: Current.   InformationNotAvailable: Information not available.   NoActivity: No activity.   Repossession: Repossession.   WageEarner: Making payments under a Wage Earner plan.

CREDITREPORT

Attribute Name	Datatype	Minimum	Maximum	Units	Description
CreditAgencyIdentifier	string()				The unique identifier provided by the credit agency for this credit report.
ReportDate	dateTime				The date the credit report was generated.
ReportedAddress	string()				The borrower address reported in the credit report.
ReportedAge	string()				The age of the borrower as reported by the credit bureau.
ReportedName	string()				The borrower's name reported by the credit bureau.
ReportedSpouseAge	string()				The credit bureau reported spouse age.
ReportedSpouseName	string()				The credit bureau reported spouse name.
ReportedSpouseSSN	string()				The credit bureau reported spouse SSN.
ReportedSSN	string()				The SSN reported by the credit bureau.
RepositoryType	enumerated				The repository from which the information in the credit report is derived.   Equifax: Equifax.   Experian: Experian.   ExperianEquifax: Experian and Equifax.   ExperianTransUnion: Experian and TransUnion.   ExperianTransUnionEquifax: Experian, TransUnion, and Equifax.   Other: Other repository.   TransUnion: TransUnion.   TransUnionEquifax: TransUnion and Equifax.

DECLARATIONS

Attribute Name	Datatype	Minimum	Maximum	Units	Description
DeclarationExplanation	string()				Explanation for the declaration.
DeclarationType	enumerated				The type of declaration being specified.   Alien: Is the borrower a resident alien?   Bankrupt: Has the borower ever declared bankruptcy?   BorrowedDownPayment: Did the borrower borrow any portion of the down payment?   Comaker: Is the borrower currently a comaker or endorser on a note?   Delinquencies: Is the borrower currently delinquent or in default on any federal debt?   Foreclosed: Has the borrower ever had a foreclosure?   Judgements: Does the borrower have outstanding judgements against him or her?   Lawsuits: Is the borrower currently party to a lawsuit?   ObligatedInForeclosure: Has the borrower ever been obligated in a loan that was foreclosed?   Obligations: Is the borrower obligated to pay alimony, child support, or other maintenance?   PreviousOwned: Has the borrower had an ownership interest in a property in the past 3 years?   PrimaryResidence: Will the residence be the primary residence for the borrower?   USCitizen: Is the borrower a US Citizen?
IsDeclarationTrue	boolean				Flag indicating if the borrower declared the above declaration type in the affirmative.

DEPENDENTS

Attribute Name	Datatype	Minimum	Maximum	Units	Description
Age	number(3,0)	0	130	Years	Age of the person.

DOWNPAYMENT

Attribute Name	Datatype	Minimum	Maximum	Units	Description
Description	string()				Description of the item.
DownPaymentAmount	currency				Amount of the down payment.
DownPaymentType	enumerated				Type of the down payment.   TBD: To be determined.

EMPLOYER

Attribute Name	Datatype	Minimum	Maximum	Units	Description
CompanyLegalName	string()				The company's legal name.
CompanyName	string()				The short name of the company.
TaxIdentificationNumber	string()				The company's tax identification number (TIN).
EmployedFromDate	string()				Date the borrower started working at this job.
EmployedToDate	dateTime				Date the borrower stopped working at this job.
EmploymentType	enumerated				The type of employer information provided in this element.   Primary: This employer is a current primary employer.   Prior: This employer is a prior employer.   Secondary: This employer is a current secondary employer.
IsSelfEmployed	boolean				Flag indicating that the borrower was self-employed at this position.
PercentOfBusinessOwned	number(3,0)	0	100	Percent	Percentage of a self-employed business owned by the borrower.
PositionTitle	string()				Title of the borrower's position at this job.
YearsInProfession	number(3,0)	0	999	Years	Years the borrower has been employed in this profession.
YearsThisJob	number(3,0)	0	999	Years	Years the borrower was employed at this job.

EMPLOYERINCOME

Attribute Name	Datatype	Minimum	Maximum	Units	Description
MonthlyAmount	currency				Monthly amount of this item.
EmployerIncomeType	enumerated				Type of income this element represents.   Base: Base income.   Bonuses: Bonus income.   Commission: Commission income.   DividendsAndInterest: Dividend and interest employment income.   Other: Other employment income.   Overtime: Overtime income.
EmployerIncomeTypeOther	string()				Description of income type if EmployerIncomeType is Other.
IsIncludedInQualifyingIncome	boolean				Flag indicating whether this component of the employer income is to be included in the qualifying income for the borrower.

FEE

Attribute Name	Datatype	Minimum	Maximum	Units	Description
Description	string()				Description of the item.
FeeAmount	currency				The amount of the fee.
FeePercentOfLoanAmount	number(3,0)	0	100	Percent	The fee, expressed as a percentage of the base loan amount.
FeeType	enumerated				The type of fee.   Closing: Closing fee.   Processing: Processing fee.
HUD1Number	string()				HUD-1 reference number for this fee.
IsFeeIncludedInLenderPremium	boolean				Flag indicating whether the fee is included in the lender premium.
IsFHAAllowableClosingCost	boolean				Flag indicating whether this fee is an FHA-allowable closing cost.

FEEPAYMENT

Attribute Name	Datatype	Minimum	Maximum	Units	Description
AmountPaid	number(3,0)	0	9999999999.99		Amount of the fee paid.
CollectedByType	enumerated				Agency that collects the fee.   Lender: The fee is collected by the lender.   Other: Some other agency collects the fee.
IsIncludedInAnnualPercentageRate	boolean				Flag indicating that this portion of the fee is used in the calculation of the APR for this loan.
IsPaidOutsideClosing	boolean				Flag indicating that this portion of the fee is paid outside of closing.
PaidByType	enumerated				Agency responsible for paying the fee.   Borrower: The borrower pays this portion of the fee.   Lender: The lender pays this portion of the fee.   Seller: The seller pays this portion of the fee.
PercentOfLoanAmountPaid	number(3,0)	0	100	Percent	Portion of the fee paid by this payment, in percent of the base loan amount.

FHA

Attribute Name	Datatype	Minimum	Maximum	Units	Description
AllowableRepairs	currency				The amount of allowable repairs that may be made to this property.
MIFirstRenewalRatePercent	number(6,3)	0	100	Percent	First MI renewal rate, in percent.
MIFirstRenewalTerm	number(3,0)	0	999	Months	First MI renewal term, in months.
MIRefundAmount	currency				MI refund amount.
MISecondRenewalRatePercent	number(6,3)	0	100	Percent	Second MI renewal rate, in percent.
MISecondRenewalTerm	number(3,0)	0	999	Months	Second MI renewal term, in months.
MIThirdRenewalRatePercent	number(6,3)	0	999.999	Percent	Third MI renewal rate, in percent.
MIThirdRenewalTerm	number(3,0)	0	999	Months	Third mortgage insurance renewal term, in months.
MIUpfrontPercent	number(6,3)	0	100	Percent	Mortgage insurance paid up front, in percent.

FLOOD

Attribute Name	Datatype	Minimum	Maximum	Units	Description
CBRAOrOPADesignationDate	dateTime				Date the property was designated to be CBRA or OPA.
CommunityName	string()				Name of the community containing the property.
CommunityNumber	string()				Number of the community containing the property.
EmergencyProgram	string()				Name of the emergency program.
IsCommunityParticipating	boolean				Flag indicating whether the community is participating in the flood program.
IsNoMapAvailable	boolean				Flag indicating that there is no map available for the property.
IsStructureInCBRAOrOPA	string()				Flag indicating that the property is in a CBRA or OPA region.
IsStructureInSpecialHazard	boolean				Flag indicating that the structure is in a special hazard area.
LOMALOMR	string()				LOMA/LOMR value.
LOMALOMRDate	dateTime				LOMA/LOMR date.
MapEffectiveDate	dateTime				Effective date of the map used to do the flood assessment.
MapNumber	string()				Map number of the map used to do the flood assessment.
PreparerComments	string()				Comments made by the preparer.
PreparerName	string()				Name of the preparer.
RegularProgram	string()				Regular program for the property.
Zone	string()				Zone containing the property.

GOVERNMENTDATA

Attribute Name	Datatype	Minimum	Maximum	Units	Description
CaseIdentifier	string()				Case identifier for this loan.
MortgageCreditCertificateAmount	currency				The amount of the mortgage credit certificate for this loan.
SectionOfAct	string()				Section of the act describing this loan.
SellerConcessions	currency				Concessions made by the seller on this loan.
IsEnergyEfficientNewHome	boolean				Flag indicating that this home meets government guidelines for an energy efficient new home.

HOUSING

Attribute Name	Datatype	Minimum	Maximum	Units	Description
HousingExpenseType	enumerated				The type of housing expense being described.   FirstMortgagePandI: First mortgage principal and interest.   FirstMortgagePITI: First mortgage principal, interest, taxes and insurance.   HomeownerAssociationDues: Homeowner association dues.   MortgageInsurance: Mortgage insurance amount.   Other: Other housing expense.   RealEstateTax: Real estate tax.   Rent: Rent paid on property.   SubordinatePandI: Subordinate principal and interest.
HousingMonthlyAmount	currency				Amount of the monthly housing cost.

INQUIRY

Attribute Name	Datatype	Minimum	Maximum	Units	Description
Address1	string()				Unformatted address line 1.
Address2	string()				Unformatted address line 2.
BoxNumber	string()				Box number of the address.
City	string()				City portion of the address.
PostalCode	string()				Postal code (zip code for USA addresses) of the address.
PostalCodeExtension	string()				Postal code extension (zip + 4 for USA addresses) of the address.
StateOrProvince	string()				State or province of the address.
StreetNumber	string()				Street number of the address.
PrefixDirection	string()				Prefix direction of the street.
SuffixDirection	string()				Postfix direction of the street.
StreetName	string()				Name of the street.
FirstName	string()				The person's first name.
Generation	string()				The person's generation if applicable, e.g. Jr., Sr., etc.
LastName	string()				The person's last name.
MiddleName	string()				The person's middle name.
Prefix	string()				Prefix of a person's name, e.g. Mr., Mrs., etc.
UnformattedName	string()				The unformatted name of the person.
InquiryDate	dateTime				Date the inquiry was made.
InquiryResultType	enumerated				AccountNumberNotIssued: Open, account number not issued.   ApplicationPending: Application pending.   Closed: Account closed.   Declined: Declined.   DidNotInquire: Did not inquire.   NoOpenAccount: No open account.   NotALender: Not a lender.   OpenDiscovered: Open discovered.   OpenPrimary: Open primary account.   ReportingAgencyInquiry: Reporting agency inquiry.   Unknown: Unknown.

INSURANCE

Attribute Name	Datatype	Minimum	Maximum	Units	Description
CompanyLegalName	string()				The company's legal name.
CompanyName	string()				The short name of the company.
TaxIdentificationNumber	string()				The company's tax identification number (TIN).
InsuranceType	enumerated				Earthquake: Earthquake insurance.   Flood: Flood insurance.   Hazard: Hazard insurance.   PMI: Private mortgage insurance.   Title: Title insurance.
InsuranceAmount	currency				The amount of this type of insurance for this loan.
InsuranceCoverage	number(6,3)	0	999.999	Percent	The coverage of the loan amount, in percent, of the insurance described in this element.

LIABILITY

Attribute Name	Datatype	Minimum	Maximum	Units	Description
CompanyLegalName	string()				The company's legal name.
CompanyName	string()				The short name of the company.
TaxIdentificationNumber	string()				The company's tax identification number (TIN).
ExclusionType	enumerated				Indicates whether this liability should be excluded from liability calculations.   AlreadyPaid: The liability has already been paid by the borrower.   Duplicate: This liability is duplicated on the credit report or elsewhere.   NotExcluded: Not excluded from liability calculations.   OtherPartiesObligation: The liability is an obligation of a party other than the borrower.
HELOCDrawAmount	currency				HELOC draw amount for this liability.
IsContingent	boolean				Flag indicating that this liability is a contingent liability.
IsResubordinated	boolean				Flag indicating that the liability will be resubordinated.
IsSecuredBySubjectProperty	boolean				Flag indicating that this liability is secured by the subject property.
LiabilityAccountNumber	string()				The account number of the liability.
LiabilityBalance	currency				The current balance remaining on the liability.
LiabilityMonthlyAmount	currency				The monthly amount due on the liability.
LiabilityName	string()				The descriptive name of the liability.
LiabilityType	enumerated				The type of liability being described.   Alimony: Alimony payments.   ChildSupport: Child support payments.   CollectionsJudgementsLiens: Collections, judgements, or liens.   DelinquentTaxes: Delinquent taxes.   Garnishments: Garnishments.   HomeEquityLine: Home equity line of credit.   Installment: Installment account.   LeasePayments: Payments on a lease.   MortgageLoanPandI: Mortgage loan principal and interest payment.   MortgageLoanPITI: Mortgage loan principal, interest, taxes and insurance payment.   Open30DayCharge: 30-day account, or charge account.   Other: Other liability type.   Revolving: Revolving account.   UnsecuredCreditLine: Unsecured line of credit.   UnsecuredHomeImprovement: Unsecured home improvement loan.
MaximumLiabilityAmount	currency				Maximum liability amount for this liability.
MaximumPaymentAmount	currency				Maximum payment amount for this loan.
MonthsLeft	number(3,0)	0	999		The number of months left to pay on the liability.
SatisfactionType	enumerated				The type of satisfaction on the liability (whether the liability will be paid off by the closing of the loan).   NotPaid: The liability will not be paid after the closing of this loan.   PaidAtClosing: The liability will be paid at the closing of this loan.   PaidBeforeClosing: The liability will be paid before the closing of this loan.   PaidByOther: Some agency other than the borrower will pay this liability.
Description	string()				Description of the item.
IsObligatedToPay	boolean				Flag indicating whether the borrower is obligated to pay this liability.
LiabilityTypeOther	string()

LIFEINSURANCE

Attribute Name	Datatype	Minimum	Maximum	Units	Description
CompanyLegalName	string()				The company's legal name.
CompanyName	string()				The short name of the company.
TaxIdentificationNumber	string()				The company's tax identification number (TIN).
AccountNumber	string()				Account number of this account.
FaceValue	currency				Face value of this life insurance policy.
MarketValue	currency				Market value.

LOAN

Attribute Name

Datatype

Minimum

Maximum

Units

Description

LOANDETAILS

Attribute Name	Datatype	Minimum	Maximum	Units	Description
AgencyCaseNumber	string()				The agency assigned identifier for this loan.
AmortizationType	enumerated				Amortization type of this loan.   ARM: Adjustable-rate mortgage   Fixed: Fixed-rate mortgage   GPM: Graduated-payment mortgage   Other: Other amortization type
AmortizationTypeOther	string()				If AmortizationType is Other, description of amortization type.
BalloonTerm	number(3,0)	0	999	Months	If this loan is a balloon loan, length of the amortization term of this loan. A 15/30 balloon would have 30 in this field.
BaseLoanAmount	currency				Original loan amount for this loan (original principal balance).
BorrowerDiscountAmount	currency				The amount of the borrower discount.
ConversionAmount	currency				The amount threshold for the conversion of this loan.
ConversionFeeType	enumerated				The type of conversion fee paid for conversion of this loan.   Financed: The conversion fee is financed as part of the loan amount.   PaidAtClosing: The conversion fee is paid at the time of closing.   PaidOutsideClosing: The conversion fee is paid outside of the closing process.
ConversionRate	number(6,3)	0	999.999	Percent	the conversion rate for this loan.
DocumentationType	enumerated				Type of documentation for this loan.   Alternative: Alternative documentation   Full: Full documentation   Reduced: Reduced documentation   Refinance: Refinance documentation   Streamlined: Streamlined documentation
EstimatedClosingDate	dateTime				Estimated closing date for this loan.
FirstPaymentDate	dateTime				Scheduled date of the first payment for this loan.
InterestRate	number(6,3)	0	999.99	Percent	The initial interest rate for this loan.
IsAssumable	boolean				Flag indicating whether this loan is assumable.
IsBalloon	boolean				Flag indicating that this loan is a balloon-type loan.
IsBorrowerMarriedToCoborrower	boolean				Flag indicating that the borrower and coborrower are married.
IsDemandable	boolean				Flag indicating that the lender may demand payment on this loan.
IsEscrowWaived	boolean				Flag indicating whether escrow has been waived for this loan.
IsEscrowWaiverAllowed	boolean				Flag indicating whether escrow may be waived for this loan.
IsFinancedMortgageInsuranceAllowed	boolean				Flag indicating whether mortgage insurance may be financed for this loan.
IsFirstTimeHomebuyer	boolean				Flag indicating that this loan's borrower(s) qualified for first time homebuyer status.
IsHazardInsuranceRequired	boolean				Flag indicating that hazard insurance is required for this loan.
IsLateFeeAllowed	boolean				Flag indicating whether a late fee may be assessed on this loan.
IsMortgageInsuranceRequired	boolean				Flag indicating whether mortgage insurance is required for this loan.
IsNegativeAmortizationAllowed	boolean				Flag indicating whether negative amortizatization is allowed for this loan.
IsPrepaymentPenaltyAllowed	boolean				Flag indicating whether a prepayment penalty is allowed for this loan.
IsSellerProvidingBelowMarketFinancing	boolean