[From: http://www.xmlmortgage.org/secured/XMPDataDictionary.htm]


XML Mortgage Partners Database Dictionary, version 0.6

You may click directly on a link to go to a specific data element, or scroll down to see the entire list.

ALIAS
APPLICATION
APPRAISAL
ARM
ARMPAYMENTADJUSTMENT
ARMRATEADJUSTMENT
ASSET
AUTOMOBILE
BORROWER
BORROWERADDRESS
BORROWERASSET
BORROWERLIABILITY
BORROWERPERSONAL
BUREAUSCORE
BUYDOWN
COMMITMENT
COMMITMENTLOANRULE
COMMITMENTPARAMETER
COMMITMENTPENALTY
COMMITMENTPERIODSTATUS
COMMITMENTRULE
COMMITMENTSTATUS
COMMUNITYLENDING
CONSTRUCTION
CONTACT
CREDITLIABILITY
CREDITPAYMENTHISTORY
CREDITREPORT
DECLARATIONS
DEPENDENTS
DOWNPAYMENT
EMPLOYER
EMPLOYERINCOME
FEE
FEEPAYMENT
FHA
FLOOD
GOVERNMENTDATA
HOUSING
INQUIRY
INSURANCE
LIABILITY
LIFEINSURANCE
LOAN
LOANDETAILS
LOANSTATUSHISTORY
NEGOTIATION
NEGOTIATIONDETAIL
OTHERINCOME
OWNERSHIPINTEREST
PARTY
POOL
POOLSTATUSHISTORY
PUBLICRECORD
REALESTATEOWNED
REFINANCE
SUBJECTPROPERTY
SUMMARY
TAX
TITLEHOLDER
VA
WITHHOLDING


ALIAS

Additional names under which the borrower has obtained credit in the past.

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.

Return to top


APPLICATION

Information about the application for this loan.

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.

Return to top


APPRAISAL

Information about the appraisal of the property.

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.

Return to top


ARM

Information about adjustable-rate loans.

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.

Return to top


ARMPAYMENTADJUSTMENT

Payment adjustments for this ARM loan.

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.

Return to top


ARMRATEADJUSTMENT

Rate adjustment information for the ARM loan.

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.

Return to top


ASSET

Information about a borrower 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.

Return to top


AUTOMOBILE

Information about an automobile owned by a borrower.

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.

Return to top


BORROWER

Information about a 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.

Return to top


BORROWERADDRESS

Information about the borrower's address history.

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.

Return to top


BORROWERASSET

Information about a borrower's holdings for an asset. Points back to the borrower using an IDREF.

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

Return to top


BORROWERLIABILITY

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

Return to top


BORROWERPERSONAL

Personal information about the 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.
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.

Return to top


BUREAUSCORE

Credit score reported by individual bureaus.

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.

Return to top


BUYDOWN

Information about any buydown(s) that may exist for this loan.

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.

Return to top


COMMITMENT

Information about a commitment agreement between a correspondent and a buyer for secondary committed delivery.

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()        

Return to top


COMMITMENTLOANRULE

Rule governing individual loans to be submitted for the fulfillment of this commitment.

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

Return to top


COMMITMENTPARAMETER

Information about the rules governing a commitment.

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

Return to top


COMMITMENTPENALTY

Penalties charged to the commitment during the relevant time period.

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

Return to top


COMMITMENTPERIODSTATUS

The status for each period of the commitment.

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.

Return to top


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.

Return to top


COMMITMENTSTATUS

The current status of a commitment.

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.

Return to top


COMMUNITYLENDING

Information about community lending for this loan.

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()        

Return to top


CONSTRUCTION

Information about a loan having a purpose of 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.

Return to top


CONTACT

Contact information.

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.

Return to top


CREDITLIABILITY

Liabilities reported as part of a credit report.

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.

Return to top


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.

Return to top


CREDITREPORT

Information about a borrower's credit report.

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.

Return to top


DECLARATIONS

Declared information for the loan.

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.

Return to top


DEPENDENTS

Dependents for the borrower.

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

Return to top


DOWNPAYMENT

The down payment for the loan.

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.

Return to top


EMPLOYER

Information about a borrower's employment history.

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.

Return to top


EMPLOYERINCOME

Income for a particular employer for a borrower.

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.

Return to top


FEE

Fees paid for this loan.

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.

Return to top


FEEPAYMENT

The method of payment for fees for this loan.

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.

Return to top


FHA

Information about FHA loans.

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.

Return to top


FLOOD

Information about a flood assessment for a subject property.

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.

Return to top


GOVERNMENTDATA

Information about this government loan (FHA or VA).

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.

Return to top


HOUSING

Housing expenses for the borrower.

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.

Return to top


INQUIRY

Credit report inquiries made for the borrower.

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.

Return to top


INSURANCE

Insurance information for this loan.

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.

Return to top


LIABILITY

Liability for a borrower.

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()        

Return to top


LIFEINSURANCE

Information about life insurance policies held by the borrower.

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.

Return to top


LOAN

The root-level, loan object.

Attribute Name Datatype Minimum Maximum Units Description

Return to top


LOANDETAILS

Detail information about the loan.

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       Flag indicating that the seller is providing below-market financing for this loan.
LateFeeGracePeriod number(3,0) 0 999 Days The number of days before a late fee will be assessed.
LateFeePercent number(6,3) 0 999.99 Percent The late fee expressed as a percentage of the P&I amount due.
LienPositionType enumerated       The lien position for this loan.
  First: First mortgage or lien.
  Other: Other mortgage or lien.
  Second: Second mortgage or lien.
LoanAmount currency       The current loan amount for this loan.
LoanPurposeType enumerated       The purpose of this loan.
  Construction: The loan is being used for construction on a property.
  ConstructionPermanent: The loan is a construction-to-permanent loan.
  Purchase: The loan is for the purchase of a property.
  Refinance: The loan is being used to refinance a property for which the borrower already has a first mortgage or lien.
LoanPurposeTypeOther string()       If the LoanPurpose is Other, a description of the purpose of this loan.
MaturityDate dateTime       The expected maturity date for this loan.
MinimumLoanToValueRequiringMortgageInsurance number(6,3) 0 999.99 Percent The lowest LTV for which mortgage insurance will still be required for this loan.
MortgageInsuranceCoveragePercent number(6,3) 0 999.99 Percent The amount of the loan that is covered, in percent, by the mortgage insurance.
MortgageInsurerCode string(3)       The industry-standard code for the mortgage insurer.
MortgageTerm number(3,0) 0 999 Months Current term in months of this loan.
MortgageType enumerated       The type of loan.
  Conventional: Conventional (private sector) loan.
  FHA: Federal Housing Administration loan.
  Other: Some other type of mortgage. Explained in the MortgageTypeOther element.
  VA: Veterans Administration loan.
MortgageTypeOther string()       If the mortgage type is Other, a description of the mortgage type.
PaymentFrequencyType enumerated       The payment frequency for this loan.
  Biweekly: Bi-weekly payments are made on this loan.
  Monthly: Monthly payments are made on this loan.
  Other: Some other payment frequency is used for this loan.
PrepaymentRestrictionType string()       Restriction on a prepayment penalty.
ProductDescription string()       Description of the lender's product that applies to this loan.
HomebuyerEducationType enumerated        
  AHEIApprovedCounseling: American Homeowner Education Institute Approved Counseling.
  LenderTrainedCounseling: Lender trained counseling.
  NoBorrowerCounseling: No borrower counseling.
  ThirdPartyCounseling: Third party counseling.
RateLockConfirmationNumber string()       The rate lock confirmation number for the most recent rate lock for this loan.
RateLockExpirationDate dateTime       Date that a current rate lock is due to expire.
RateLockRequestedDate dateTime       Date that a current rate lock was requested.
UpFrontMortgageInsuranceAmount currency       Amount of mortgage insurance paid up-front for this loan.
UpFrontMortgageInsuranceAmountFinanced currency       Amount of mortgage insurance financed as part of this loan.
IsArmsLength boolean       Flag indicating whether this loan is executed at arms length - that is, that there is no possibility of collusion between the parties due to a relationship outside the loan agreement.
BusinessChannelType enumerated       The source of this loan.
  Broker: Broker.
  Correspondent: Correspondent.
  RetailOriginator: Retail originator.

Return to top


LOANSTATUSHISTORY

Historical status of a loan.

Attribute Name Datatype Minimum Maximum Units Description
LoanStatusType enumerated        
  Accepted: Accepted as-is by buyer.
  ConditionallyAccepted: Accepted by buyer with conditions.
  Denied: Denied by buyer.
  None: No status.
  Sold: Sold to buyer.
  Submitted: Submitted to a buyer.
LoanStatusDate dateTime       Date this status took effect.

Return to top


NEGOTIATION

Information about the negotiation for a pool of loans. Used in secondary processes only.

Attribute Name Datatype Minimum Maximum Units Description
OfferedPrice number(6,3) 0 999.999 Percent The price offered for this pool, expressed as a percentage of the par (face) value of the loans.
NegotiationDate dateTime       The date this negotiation was made.
IsSeller boolean       Flag indicating whether this negotiation is the seller responding to a buyer offer.
AcceptedLoans number(6,0) 0 999999   The number of loans in this pool that were accepted.
DeclinedLoans number(6,0) 0 999999   The number of loans in this pool that were declined.
ConditionalLoans number(6,0) 0 999999   The number of loans that were conditionally accepted.
RatifiedDate dateTime       The date that both parties in the negotiation agreed to a price for the pool.
ClosingDate dateTime       The scheduled date for the transfer of ownership for the loans in this pool.
NegotationExpirationDate dateTime       The date the negotiation expires (must be accepted or responded to by).
NegotiationStatusType enumerated       The status of this negotiation
  Accepted: This negotiation has been accepted.
  Countered: This negotiation has been countered by another offer.
  Offered: Offered.
  Withdrawn: This negotiation has been withdrawn.

Return to top


NEGOTIATIONDETAIL

Detail information about the specific status of loans within a negotiated pool.

Attribute Name Datatype Minimum Maximum Units Description
NegotiationDetailType enumerated       The status of this loan with regards to this negotiation.
  Accepted: Accepted as part of this negotiation.
  ConditionallyAccepted: Conditionally accepted as part of this negotiation.
  Declined: Declined as part of this negotiation.
AdditionalInformation string()       Additional information about the status of this loan within this negotiation.

Return to top


OTHERINCOME

Other income for the borrower.

Attribute Name Datatype Minimum Maximum Units Description
IncomeType enumerated       Type of this source of income.
  Alimony: Alimony payments.
  ChildSupport: Child support payments.
  Other: Other income type.
IncomeTypeOther string()       Description of another income type.
MonthlyAmount currency       Monthly amount of this item.
IsIncludedInQualifyingIncome boolean       Flag indicating whether this component of the employer income is to be included in the qualifying income for the borrower.
Description string()       Description of the item.

Return to top


OWNERSHIPINTEREST

The borrower's ownership interest in the property.

Attribute Name Datatype Minimum Maximum Units Description
HoldingType enumerated       The manner in which the property is owned.
  JointWithOther: Jointly held with another person other than a spouse.
  JointWithSpouse: Jointly held with a spouse.
  Sole: Sole ownership.
ResidenceType enumerated       Borrower's use of the property.
  Investment: Investment property.
  Primary: Primary home.
  Secondary: Secondary home.

Return to top


PARTY

Companies involved with the loan.

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.
CompanyLegalName string()       The company's legal name.
CompanyName string()       The short name of the company.
TaxIdentificationNumber string()       The company's tax identification number (TIN).
LicenseNumber string()       License number of the company.
LicenseState string()       State in which the company is licensed.
PartyRoleType enumerated       Type of party described in this element.
  AppraisalCompany: Appraisal company.
  Broker: Broker.
  Correspondent: Correspondent.
  CreditBureau: Credit bureau.
  FloodInsuranceCompany: Flood insurance company.
  HazardInsuranceCompany: Hazard insurance company.
  InspectionCompany: Inspection company.
  Investor: Investor.
  Lender: Lender.
  MERS: MERS.
  MortgageInsurer: Mortgage insurer.
  PestInspectionCompany: Pest inspection company.
  SecondaryBuyer: Secondary market buyer.
  SecondarySeller: Secondary market seller.
  SettlementAgent: Settlement agent.
  TitleCompany: Title company.

Return to top


POOL

A group of loans to be sold on the secondary market.

Attribute Name Datatype Minimum Maximum Units Description
Description string()       Description of the item.
CreationDate dateTime       Date the pool was created.
PoolStatusType enumerated       The status of this pool.
  InNegotiation: The sale of the pool is being negotiated.
  None: No status.
  Sold: The pool has been sold.
AskingPrice number(6,3) 0 999.999 Percent The asking price for the pool, expressed as a percentage of the par (face) value.
ExpirationDate dateTime       The date the pool expires.

Return to top


POOLSTATUSHISTORY

Historical status of a pool of loans.

Attribute Name Datatype Minimum Maximum Units Description
PoolStatusDate dateTime       Date this status took effect.
PoolStatusType enumerated       The status of this pool.
  InNegotiation: The sale of the pool is being negotiated.
  None: No status.
  Sold: The pool has been sold.

Return to top


PUBLICRECORD

Public record information for the borrower's credit report.

Attribute Name Datatype Minimum Maximum Units Description
AliasName string()       The alias name used for this public record.
Attorney string()       The attorney for this public record.
BankruptcyAssetsAmount currency       Amount of assets of the borrower at the time of declaration of bankruptcy.
BankruptcyLiabilitiesAmount currency       Amount of liabilities of the borrower at the time of declaration of bankruptcy.
Comment string()       Comments on this item.
Court string()       The court for this public record.
CourtDocketNumber string()       The court docket number for the public record.
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.
Defendant string()       The defendant's name.
FiledDate dateTime       Date the item was filed.
Garnishee string()       The garnishee for this public record.
JudgementAmount currency       Amount of the judgement reported in the public record.
LegalObligationAmount currency       Legal obligation amount reported in the public record.
PaidDate dateTime       Date the item was paid.
Plaintiff string()       The plaintiff's name.
PublicRecordDispositionType enumerated       Disposition of this public record.
  Adjudicated: Adjudicated.
  Appealed: Appealed.
  Cancelled: Cancelled.
  Completed: Completed.
  Converted: Converted.
  Discharged: Discharged.
  Dismissed: Dismissed.
  Distributed: Distributed.
  Filed: Filed.
  Granted: Granted.
  MutuallyDefined: MutuallyDefined.
  Nonadjudicated: Non-adjudicated.
  Paid: Paid.
  PaidNotSatisfied: Paid - not satisifed.
  Pending: Pending.
  RealEstateSold: Real estate sold.
  Released: Released.
  Rescinded: Rescinded.
  Satisfied: Satisfied.
  Settled: Settled.
  Unknown: Unknown.
  Unreleased: Unreleased.
  Unsatisfied: Unsatisfied.
  Vacated: Vacated.
  Withdrawn: Withdrawn.
PublicRecordObligationType enumerated       Type of public record or obligation (other than bankruptcy).
  Bankruptcy: Bankruptcy.
  Collection: Collection.
  CustodyAgreement: Custody agreement.
  DivorceDecree: Divorce decree.
  FictitiousName: Fictitious name.
  FinancialCounseling: Financial counseling.
  FinancingStatement: Financing statement for a secured loan.
  ForcibleDetainer: Forcible detainer.
  Foreclosure: Foreclosure.
  Garnishment: Garnishment.
  Lawsuit: Lawsuit.
  Lien: Lien.
  MutuallyDefined: Mutually defined.
  NonResponsibility: Non-responsibility.
  NoticeOfDefault: Notice of default.
  Other: Other public record or obligation type.
  OutstandingJudgement: Outstanding judgement.
  Repossession: Repossession.
  SupportDebt: Support debt.
  TaxLien: Tax lien.
  UnlawfulDetainer: Unlawful detainer.
PublicRecordType enumerated       Type of bankruptcy.
  Chapter11: Chapter 11 bankruptcy.
  Chapter12: Chapter 12 bankruptcy.
  Chapter13: Chapter 13 bankruptcy.
  Chapter7: Chapter 7 bankruptcy.
  Chapter9: Chapter 9 bankruptcy.
ReportedDate dateTime       Date the item was reported.
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.
SettledDate dateTime       Date the item was settled.

Return to top


REALESTATEOWNED

Real estate owned by the borrower.

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.
CompanyLegalName string()       The company's legal name.
CompanyName string()       The short name of the company.
TaxIdentificationNumber string()       The company's tax identification number (TIN).
DispositionType enumerated       Disposition type for the property.
  PendingSale: Pending sale.
  RetainedForRental: Retained for rental.
  RetainedNotForRental: Retained for some use other than rental.
  Sold: Sold by the time of closing.
Expenses currency       Monthly expenses for the property.
GrossRentalIncome currency       Gross rental income earned by the property.
MarketValue currency       Market value.
MortgageAndLienAmount currency       Mortgage and lien amount for the property.
MortgagePayment currency       Monthly mortgage payment for the property.
NetRentalIncome currency       Net rental income earned by the property.
PropertyType enumerated       The type of property.
  AttachedCondominium: Attached condominium.
  Cooperative: Cooperative.
  DetachedCondominium: Detached condominium.
  Farm: Farm.
  Land: Land.
  ManufacturedHousing: Manufactured housing.
  MixedUseResidential: Mixed use - residental.
  MobileHome: Mobile home.
  Multifamily: Multi-family property.
  Other: Other property type.
  PlannedUrbanDevelopment: Planned urban development (PUD).
  SingleFamilyResidence: Single-family residence.
ResidenceType enumerated       Borrower's use of the property.
  Investment: Investment property.
  Primary: Primary home.
  Secondary: Secondary home.
NetProceedsFromSale currency       If the DispositionType is PendingSale, the anticipated proceeds realized from the sale of this property.
MortgageAccountNumber string()       Account number of the existing mortgage on this property.
IsIncludedInQualifyingIncome boolean       Flag indicating whether this component of the employer income is to be included in the qualifying income for the borrower.
IsSubjectProperty boolean       Flag indicating that this property is also the subject property of the loan.

Return to top


REFINANCE

Information about a loan whose purpose is Refinance.

Attribute Name Datatype Minimum Maximum Units Description
AmountExistingLiens currency       Amount of the existing liens on the property.
DisbursementDate dateTime       Date the funds are to be disbursed for this loan.
ImprovementAmount currency       Amount of the planned improvements.
ImprovementDescription string()       Description of the planned improvements.
IsImprovementMade boolean       Flag indicating whether the improvements have already been made.
OriginalCost currency       Original cost of the property.
RefinancePurposeType enumerated       Purpose of the refinance of the property.
  TBD: To be determined.
YearAcquired string()       Year the property was originally acquired.

Return to top


SUBJECTPROPERTY

Subject property information for the loan.

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.
EstateHeldInType enumerated       Method the estate is held in.
  FeeSimple: Fee simple.
  Leasehold: Lease-hold.
GrossLivingArea number(6,0) 0 999999 Square feet Gross living area in the property, in square feet.
LeaseholdExpirationDate dateTime       The expiration date for the leasehold if the estate is in leasehold.
LegalDescription string()       Legal description of the property.
MannerTitleHeld string()       The manner in which the title will be held.
NumberOfUnits number(3,0) 0 999   The number of units in the property.
PlannedUrbanDevelopmentName string()       Name of the planned urban development containing this property (if appropriate)
PropertyType enumerated       The type of property.
  AttachedCondominium: Attached condominium.
  Cooperative: Cooperative.
  DetachedCondominium: Detached condominium.
  Farm: Farm.
  Land: Land.
  ManufacturedHousing: Manufactured housing.
  MixedUseResidential: Mixed use - residental.
  MobileHome: Mobile home.
  Multifamily: Multi-family property.
  Other: Other property type.
  PlannedUrbanDevelopment: Planned urban development (PUD).
  SingleFamilyResidence: Single-family residence.
PurchasePrice currency       Purchase price of the property.
ResidenceType enumerated       Borrower's use of the property.
  Investment: Investment property.
  Primary: Primary home.
  Secondary: Secondary home.
ShortLegalDescription string()       The short legal description of the property.
YearBuilt string()       Year the property was built.
AssessorParcelNumber string()       The assessor parcel number for this property.
MetropolitanStatisticalArea string()       The MSA code for this property.
CensusTract string()       Census tract for the property.
UnitNumber string()       The unit number for the property.
ProjectClassCode string()       The project class code for the property.
County string()       The county containing the property.

Return to top


SUMMARY

Summary information about the loan.

Attribute Name Datatype Minimum Maximum Units Description
SummaryAmount currency       Summary amount being reported in this element.
SummaryType enumerated       Summary type being reported in this element.
  AssetTotal: Total assets.
  BuyDownRate: Total buy down rate.
  CashToClose: Total cash required to close.
  DebtsToBePaidOff: Debts to be paid off by the loan.
  DownPaymentTotal: Total down payment.
  EscrowAnalysisCushionAmount: Escrow analysis cushion amount.
  FeeTotals: Total fees.
  Income: Total income.
  LiabilityTotal: Total liabilities.
  PaymentAmount: Total payment amount.
  PaymentEscrowAmount: Total payment escrow amount.
  ProposedHousingExpense: Total proposed housing expense.
  SubordinateFinancedAmount: Total subordinate financed amount.
  TotalEscrowAmountToClear: Total escrow amount to clear.
  TotalMonthlyHousingExpense: Total monthly housing expense.
  TotalPrepaids: Total prepaids.
  TotalSellerPaids: Total items paid by seller.

Return to top


TAX

Tax information for the subject property

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).
TaxType enumerated       The type of tax described in this element.
  FederalTax: Federal taxes on subject property.
  LocalTax: Local tax on subject property.
  StateTax: State tax on subject property.
TaxAmount currency       The amount of the tax described in this element.
FirstDueDate dateTime       The date the first tax payment is due.
IsEscrowed boolean       Flag indicating that the tax specified by this element currently has an escrow account associated with it.
PaymentFrequency enumerated        
  Annually: Annual payments.
  OneTimePayment: One-time payment.
  Quarterly: Quarterly payments.
  SemiAnnually: Semi-annual payments.
MonthsToEscrow number(3,0) 0 999 Months Number of months this tax is to be escrowed beyond the closing date.
IsRequired boolean       Flag indicating whether the escrow is required for the aggregate accounting adjustment.

Return to top


TITLEHOLDER

Title holders for this loan.

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.

Return to top


VA

Information about this VA loan.

Attribute Name Datatype Minimum Maximum Units Description
FundingFeeAmount currency       Funding fee amount.
FundingFeePercent number(6,3) 0 100 Percent Funding fee expressed as a percentage of the base loan amount.
IRRRLOriginalInterestRate number(6,3) 0 999.999 Percent Original IRRRL interest rate for this loan.
IRRRLOriginalLoanAmount currency       Original IRRRL loan amount for this loan.
IsIRRRL boolean       Flag indicating that this loan is an IRRRL loan.
IsPreviousVAHomeowner boolean       Flag indicating whether the borrower has previously owned a VA home.
LenderType enumerated       Type of lender.
  CommercialBank: Commercial bank.
  CreditUnion: Credit union.
  InsuranceCompany: Insurance company.
  MortgageCompany: Mortgage company.
  MutualSavings: Mutual savings firm.
  Other: Other lender type.
  SavingsAndLoan: Savings and loan.
MonthlyMaintenance currency       Monthly maintenance costs for this property.
MonthlyUtilities currency       Monthly utilities for this property.
VAAppraisalType enumerated       VA loan appraisal type.
  HUDConversion: HUD or conversion appraisal.
  LenderAppraisal: Appraisal by lender.
  ManufacturedHome: Manufactured home.
  Master: Master appraisal.
  PropertyManagementCare: Property management care appraisal.
  Single: Single appraisal.
VALoanPurposeType enumerated       VA loan purpose type.
  Condo: Condominium.
  Home: Home loan.
  Manufactured: Manufactured home.
  Refinance: Refinance loan.
  RestorationOrImprovements: Loan for restoration or improvements.
VAOffice string()       Name of the VA office used in preparing the loan.
VAOwnershipType enumerated       VA ownership type.
  JointTwoOrMoreVeterans: Jointly owned by two or more veterans.
  JointVeteranNonVeteran: Jointly owned by a veteran and a non-veteran.
  PUDOrCondo: PUD or condo property.
  Sole: Sole ownership.
VATypeOfStructure enumerated       VA structure type.
  CondoConversion: Condominium or conversion home.
  ConventionalConstruction: Conventional construction property (house).
  ManufacturedHomeDoubleWide: Manufactured home, double-wide.
  ManufacturedHomeLotOnly: Manufactured home, lot only.
  ManufacturedHomeSingleWide: Manufactured home, single-wide.
  Prefabricated: Prefabricated home.
SizeOfHousehold number(2,0) 0 99   Size of the household at the loan level as defined by the VA.

Return to top


WITHHOLDING

Withholding or taxation information for a source of income. Required for VA loans.

Attribute Name Datatype Minimum Maximum Units Description
WithholdingType enumerated       Type of withholding this element represents.
  FederalWithholding: Federal tax withheld.
  LocalWithholding: Local tax withheld.
  SocialSecurityWithholding: Social security tax withheld.
  StateWithholding: State tax withheld.
MonthlyAmount currency       Monthly amount of this item.

Return to top


Copyright 1999 XML Mortgage Partners, Inc.
All rights reserved.