[From: http://www.xmlmortgage.org/secured/XMPDataDictionary.htm]
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
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. |
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. |
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. |
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. |
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. |
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. |
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. |
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. |
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. |
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. |
Attribute Name | Datatype | Minimum | Maximum | Units | Description |
PercentageOwned | number(6,3) | 0 | 100 | Percent | Percentage of this item owned by the referenced borrower. |
Attribute Name | Datatype | Minimum | Maximum | Units | Description |
PercentageOwned | number(6,3) | 0 | 100 | Percent | Percentage of this item owned by the referenced 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. |
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. |
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. |
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() |
Attribute Name | Datatype | Minimum | Maximum | Units | Description |
Description | string() | Description of the item. |
Attribute Name | Datatype | Minimum | Maximum | Units | Description |
ParameterMeaning | string() | The meaning of this parameter. | |||
ParameterValue | string() | The value for the parameter. |
Attribute Name | Datatype | Minimum | Maximum | Units | Description |
PenaltyReason | string() | The reason this penalty was imposed. | |||
PenaltyAmount | currency | The amount of the penalty. |
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. |
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. |
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. |
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() |
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. |
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. |
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. |
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. |
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. |
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. |
Attribute Name | Datatype | Minimum | Maximum | Units | Description |
Age | number(3,0) | 0 | 130 | Years | Age of the person. |
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. |
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. |
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. |
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. |
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. |
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. |
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. |
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. |
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. |
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. |
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. |
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() |
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. |
Attribute Name | Datatype | Minimum | Maximum | Units | Description |
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. |
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. |
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. |
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. |
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. |
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. |
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. |
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. |
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. |
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. |
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. |
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. |
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. |
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. |
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. |
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. |
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. |
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. |
Copyright 1999 XML Mortgage Partners, Inc.
All rights reserved.