Logical data dictionary

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Version 1.0
Generated on 7/7/00
Copyright 2000 Mortgage Bankers Association of America, Inc.

Permission to use, copy, modify, and distribute the MISMO
DTD and its accompanying documentation for any purpose and without
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no representation about the suitability of the DTD for any purpose.

Processes included in this dictionary:

Credit Reporting, MI, Secondary, Underwriting, Service ordering

Name	Description	Source	Context	Processes	Datatype
Agency Case Identifier	The FHA-assigned case number for FHA loans or VA-assigned case number for VA loans. The number is used by the FHA or VA to identify a loan. Collected on the URLA in Section I (Agency Case Number).	URLA	Application	Underwriting	Numeric
Alimony Child Support Obligations Indicator	Borrowers declaration regarding obligations for alimony, child support, etc. Collected on the URLA in Section VIII line g.	URLA	Declarations	Credit Reporting, Underwriting	Boolean
Alimony Owed To Name	The unstructured name of the person to whom alimony payments are owed by the borrower. Collected on the URLA in Section VI (Liabilities Alimony Owed To).	URLA	Liability	Underwriting	String
Alterations Improvements and Repairs Conventional Amount	The cost of any alterations, improvements, repairs and rehabilitation to be made on the subject property. Collected on the URLA in Section II((b)Cost of Improvements) for construction loans and refinance loans. Also collected on the URLA in Section VII line b.	URLA	Application	Underwriting	Money
Alterations Improvements and Repairs FHA/VA Amount	The dollar amount of improvements and repairs to be financed by the borrower, if reflected in the appraised value or if required by the appraiser for VA/FHA loans. Collected on the URLA in Section VII line b.	URLA	Application	Underwriting	Money
Annual Percentage Rate Percent	The annual percentage rate (APR) for this loan.	(not specified)	(not specified)	Secondary	Numeric
Application Interviewer Signed Date	The date on which the interviewer obtained HMDA information and signed the loan application. Collected on the URLA in Section X (Interviewers Signature Date).	URLA	Parties to Transaction	Credit Reporting, Underwriting	Date/Time
Application Taken Method Type	Specifies the method used to take the application as determined by the interviewer. Collected on the URLA in Section X (This Application Was Taken By).	URLA	Application	Credit Reporting, Underwriting	Enumerated: Face-to-face: Application was taken in a face to face interview. Mail: Application was taken by mail Telephone: Application was taken over the telephone.
Appraisal Effective Date	Effective date of the appraisal report on the subject property.	Valuation	Appraisal	Service ordering, Underwriting	Date/Time
Appraisal Method Type	Method used by the appraiser to arrive at the appraised value.	Valuation	Appraisal	Service ordering, MI, Underwriting	Enumerated: Automated Valuation Method: Broker's Price Opinion: Drive By: Full Appraisal:
Appraisal Property Condition Type	Indicates status of property and conditions under which the appraiser estimated value.	Valuation	Appraisal	Service ordering, MI, Underwriting	Enumerated: As Is: Subject to Completion per Plans and Specifications: Subject To Repairs Alterations Inspections Or Conditions:
Appraiser License Identifier	State license number of the appraiser who completed the final estimate of value for the subject property.	Valuation	Appraisal	MI, Underwriting	String
Appraiser Name	Full name of the appraiser who completed the final estimate of value for the subject property.	Valuation	Appraisal	MI, Underwriting	String
ARM Conversion Option Indicator	Indicates whether the adjustable rate mortgage (ARM) has the option to convert to a fixed rate mortgage.	LP	Product	Underwriting	Boolean
ARM Index Current Value Percent	The current value stated as a percent of the index used to calculate the initial interest rate for an adjustable rate mortgage. Could be the value of the index as of the closing date or if the loan has not closed the current index rate.	LP	Product	MI, Underwriting	Numeric(8,7)
ARM Index Margin Percent	The percentage stated in the loan program representing the spread between the ARM Index value and the mortgage interest rate. The gross mortgage margin is added to the index value to establish a new gross coupon rate.	Lender	Product	MI, Underwriting	Numeric(8,7)
ARM Index Type	Specifies the type of index to be used to determine the interest rate at each adjustment.	LP	Product	MI, Underwriting	Enumerated: 1 Year Treasury: 11th District Cost of Funds: 3 Year Treasury: 6-Month Treasury Bill: Daily Certificate of Deposit Rate: Fannie Mae 60-Day Required Net Yield: Fannie Mae LIBOR: Federal Cost of Funds: Freddie Mac 60-Day Required Net Yield: Freddie Mac LIBOR: London Interbank Offered Rate: Monthly Average Constant Maturing Treasury: National Average Contract Rate (FHLBB): National Monthly Median Cost of Funds: Other: Treasury Bill Daily Value: Wall Street Journal LIBOR: Weekly Average Certificate of Deposit Rate: Weekly Average Constant Maturing Treasury: Weekly Average Prime Rate: Weekly Average Secondary Market Treasury Bill - Investment Yield: Weekly Average Treasury Auction Average - Bond Discount Yield: Weekly Treasury Auction Average - Investment Yield:
ARM Qualifying Rate Percent	The rate used to calculate the borrowers PITI to qualify the borrower for the subject mortgage for ARM loans.	Lender	Product	MI, Underwriting	Numeric(8,7)
Arms Length Indicator	Indicates whether the loan transaction can be described as an arms length transaction. An arms length transaction is defined as a transaction in which the parties involved are entirely independent of each other, deal with each other as strangers, and have no reason for collusion.	LP	UW Case	Underwriting	Boolean
Asset Account Identifier	A unique identifier of the borrowers asset. Collected on the URLA in Section VI (Assets).	URLA	Asset	Credit Reporting, Underwriting	String
Asset Cash or Market Value Amount	The dollar amount of the cash or market value of the borrowers Asset Type. The market value is the price at which an asset is transferred between a willing buyer and a willing seller, each of whom has a reasonable knowledge of all pertinent facts and neither being under any compulsion to buy or sell. (e.g., IBMs closing quote) Market value and cash values tend to be equal. Collected on the URLA in Section VI (Assets).	URLA	Asset	Credit Reporting, Underwriting	Money
Asset Description	A free-form text field used to capture additional information or a description of the borrowers asset. Collected on the URLA in Section VI (Assets - Other Assets Itemize).	URLA	Asset	Credit Reporting, Underwriting	String
Asset Face Value Amount	The dollar amount of the face value of the borrowers Asset Type. The face value is the par value or actual selling price of the asset or the amount the issuer contracts to repay. (Collected on the URLA in Section VI (Assets - Face Amount Life Insurance).	URLA	Asset	Credit Reporting, Underwriting	Money
Asset Holder Address 1	The unstructured street address of the individual or institution holding the borrowers asset (e.g., checking). Collected on the URLA in Section VI (Assets).	URLA	Asset	Credit Reporting, Underwriting	String
Asset Holder Address 2	The unit or suite number (if any) of the address of the individual or institution holding the borrowers asset. Collected on the URLA in Section VI (Assets).	URLA	Asset	Credit Reporting, Underwriting	String
Asset Holder City	The city in which the individual or institution holding borrowers asset is located. Collected on the URLA in Section VI (Assets).	URLA	Asset	Credit Reporting, Underwriting	String
Asset Holder Country	The country in which the individual or institution holding the borrowers asset is located if not the U.S.A. Collected on the URLA in Section VI (Assets).	URLA	Asset	Credit Reporting, Underwriting	String
Asset Holder Name	The unstructured name of the individual or institution that holds the borrowers asset (e.g., bank name for checking account). Collected on the URLA in Section VI (Assets).	URLA	Asset	Credit Reporting, Underwriting	String
Asset Holder Postal Code	The postal code (zip code) of the address of the individual or institution holding the borrowers asset. Collected on the URLA in Section VI (Assets).	URLA	Asset	Credit Reporting, Underwriting	String
Asset Holder State	The state in which the individual or institution holding the borrowers asset is located. Collected on the URLA in Section VI (Assets).	URLA	Asset	Credit Reporting, Underwriting	String
Asset Net Cash Value Amount	The dollar amount of the net cash value of the borrowers Asset Type. The net cash value is the market value of an asset less any required reductions. (E.g., value of IRA after paying taxes, penalties and loans) Collected on the URLA in Section VI (Assets - Life Insurance Net Cash Value).	URLA	Asset	Credit Reporting, Underwriting	Money
Asset Type	Specifies the general names (type) of items commonly listed as financial assets of the borrower(s) in a mortgage loan transaction. Assets may be either liquid or fixed and are associated with a corresponding asset amount. Collected on the URLA in Section VI (Assets).	URLA	Asset	Credit Reporting, Underwriting	Enumerated: Automobile: Car or similar personal transportation vehicle disclosed as borrowers asset. Usually linked to make or model and year. Typical valuation method is market (blue book). Collected on the URLA in Section VI (Assets). Bond: An interest-bearing certificate of debt with maturity date. An obligation of issuing entity. Typical valuation is face value (e.g., $1,000 denomination) & market (e.g., value of 4% bond when yields are 6%). Collected on the URLA in Section VI (Assets - Stocks & Bonds). Bridge Loan Not Deposited: Proceeds of a loan (secured by borrowers present house) to provide homebuyer with funds for down payment & closing costs on a new home before selling present house, which have not yet been deposited to borrowers accounts or included with other assets disclosed. Collected on the URLA in Section VI (Assets - Other Assets). Cash On Hand: Currency physically possessed by borrower, not deposited in any financial institution. Considered liquid. Collected on the URLA in Section VI (Assets - Other Assets). Certificate of Deposit / Time Deposit: Certificates issued by financial institutions with a stated term or interest rate, and with a set maturity date. The bank pays the holder in due course at maturity. Early withdrawal subject to penalty. Considered liquid. Collected on the URLA in Section VI (Assets). Checking Account: Transaction account with a financial institution. Accounts purpose is to effect transfer of owners funds to others by various methods (e.g., check, EFT, ACH, draft). Technical name is demand deposit account (DDA). Considered liquid. Collected on the URLA in Section VI (Assets - Checking Account). Earnest Money Cash Deposit Toward Purchase: Deposit made to bind the conditions of a real estate sale. Deposited in escrow account controlled by others, so funds cannot be included in disclosure in any other account. Collected on the URLA in Section VI (Assets - Cash Deposit). Gifts Not Deposited: Money given as gift (no repayment expected) to Borrowers to assist in home purchase, usually from relatives or close friend, where gift funds have not yet been deposited or included with other assets. Collected on the URLA in Section VI (Assets - Other Assets). Grants Not Deposited: Money scheduled to be given as grant (no repayment expected) to Borrowers to assist in home purchase, usually from local organization or charity, where grant funds have not yet been deposited to borrowers accounts or included with other assets. Collected on the URLA in Section VI (Assets - Other Assets). Life Insurance: A life insurance policy with a value or investment component. Details of amounts for each policy collected on URLA in Section VI (Assets - Life Insurance Face Amount) or Accumulated investment cash value of life insurance policy, net of any loans against that amount. Detail of amounts for each policy collected on URLA in Section VI (Assets - Life Insurance Net Cash Value). Money Market Fund: Mutual fund that allows individuals to participate in managed investments in short-term debt securities, such as certificates of deposit and Treasury bills. Considered liquid. Collected on the URLA in Section VI (Assets). Mutual Fund : Financial entity that invests its shareholders funds in stocks and bonds of other entities with the objective of obtaining a return on its shareholders investment. Collected on the URLA in Section VI (Assets - Stocks & Bonds). Net Worth of Business Owned: For a business owned by borrower, the amount resulting from the calculation Assets minus liabilities. Collected on the URLA in Section VI (Assets - Net Worth of Business). Other Liquid Assets: General category to disclose detail of other borrower assets that have a ready market where a quick sale would yield the amount disclosed (e.g., commodity contract, certain currencies or coins). Typically has free text description. Collected on the URLA in Section VI (Assets - Other Assets). Other Non-Liquid Assets: General category to disclose detail of other borrower assets that have little ready market (e.g., statues). Typically has FREE TEXT description. Collected on the URLA in Section VI (Assets - Other Assets). Pending Net Sale Proceeds from Real Estate Assets: Estimated net cash proceeds (sales price - obligations) from anticipated sale of borrowers real estate assets. Real Estate Owned: Market value of real estate owned by the borrower. Collected on the URLA in Section VI (Schedule of Real Estate Owned). Retirement Funds - Total: Sum of all 401ks, IRAs, etc. controlled by borrower(vested) valued at market. Collected on the URLA in Section VI (Assets - Vested Retirement Fund). Savings Account: Interest-paying account with a financial institution whose main purpose is to earn interest on owners funds held therein. This is NOT a demand deposit account. Considered liquid. Collected on the URLA in Section VI (Assets - Savings Account). Secured Borrowed Funds Not Deposited: Proceeds from a loan secured by borrowers assets, which have not yet been deposited to borrowers accounts or included with other assets disclosed. Considered liquid. Collected on the URLA in Section VI (Assets - Other Assets). Stock: Financial instrument evidencing an ownership interest in entity that issued the stock. Typical valuation method is Market. Collected on the URLA in Section VI (Assets - Stocks & Bonds). Trust Account: Fiduciary relationship where legal title to a property is transferred to a trustee with the intention the property be administered by the trustee for benefit of the beneficiary, who holds equitable title to such property. Collected on the URLA in Section VI (Assets - Other Assets).
Asset Verification Status Type	Specifies the verification status associated with the borrowers corresponding asset type.	Lender	Asset	Credit Reporting, Underwriting	Enumerated: Not Verified: Data related to the asset has not been verified. To Be Verified: Data related to the asset is to be verified, but has not been verified. Verified: Data related to the asset has been verified.
Asset Verified By Name	The name or initials of the person who verified information in the record.	Credit Report	Credit	Credit Reporting	String
Asset Verified Comment	Any remarks by the person specified in the Verified By person about the data in the record.	Credit Report	Credit	Credit Reporting	String
Asset Verified Date	The date that the information in the record was verified.	Credit Report	Credit	Credit Reporting	Date/Time
Asset Vested Value Amount	The vested dollar amount of the borrowers Asset Type. A vested interest is a legal claim or right to the present or future enjoyment of the asset. (E.g. Typically borrowers 401K or similar retirement plan.) Collected on the URLA in Section VI (Assets Vested Interest in Retirement Fund).	URLA	Asset	Credit Reporting, Underwriting	Money
Authorized Representative Name	The unstructured name of the authorized representative employed by the lender.	Lender	Parties To Transaction	MI	String
Automobile Make Description	A free-form text field used to capture the make and model of borrowers vehicle disclosed as asset. Collected on the URLA in Section VI Assets (Automobiles Owned).	URLA	Asset	Credit Reporting, Underwriting	String
Automobile Model Year	A free-form text field used to capture the model year of borrowers vehicle disclosed as asset. Collected on the URLA in Section VI Assets (Automobiles Owned).	URLA	Asset	Credit Reporting, Underwriting	String
Bankruptcy Past Seven Years Indicator	Borrowers answer to the question: Have you been declared bankrupt within the past 7 years? Collected on the URLA in Section VII line b.	URLA	Declarations	Credit Reporting, Secondary, Underwriting	Boolean
Base Loan Amount	The base loan amount to be loaned to the borrower not including PMI, MIP, or Funding Fee. Collected on the URLA in Section VII line m.	URLA	Application	Service ordering, MI, Underwriting	Money
Basis for Loan Qualification Type	A statement made by two borrowers on a single loan application indicating whether or not the income and assets of another person (including spouse) will be used as a basis for loan qualification. Collected on the URLA in the Header Paragraph - Check Box.	URLA	Application	Underwriting	Enumerated: Income and assets of a person/s other than the borrower will be used: The income or assets of a person other than the borrower (including the borrower’s spouse) will be used as a basis for loan qualification Income and assets of person/s other than the borrower will not be used: The income or assets of the borrower’s spouse will not be used as a basis for loan qualification, but his or her liabilities must be considered because the borrower resides in a community property state, the security property is located in a community pro
Below Market Subordinate Financing Provided Indicator	Indicates whether the seller provided below-market subordinate financing.	Lender	UW Case	Underwriting	Boolean
Borrowed Down Payment Indicator	Borrowers answer to the question: Is any of the down payment borrowed? Collected on the URLA in Section VII line h.	URLA	Declarations	Credit Reporting, Underwriting	Boolean
Borrower Alias Account Identifier	A unique identifier of the account under which credit has been granted to the borrower while using the identified alias (alternate name.) Collected on the URLA in Assets and Liabilities Section (Account Number).	URLA	Borrower	Service ordering, Credit Reporting, Underwriting	String
Borrower Alias Creditor Name	The unstructured name of the grantor of credit to the borrower while using the identified alias (alternate name). Collected on the URLA in Section Assets and Liabilities (Creditor Name).	URLA	Borrower	Service ordering, Credit Reporting, Underwriting	String
Borrower Alias Name	Any additional name under which the borrower may have been granted credit. (e.g. maiden name) Collected on the URLA in Section Assets and Liabilities (Alternate Names)	URLA	Borrower	Service ordering, Credit Reporting, Underwriting	String
Borrower Application Signed Date	The date that the borrower signed the loan application. Collected on the URLA in Section IX (Borrowers Signature Date).	URLA	Borrower	Credit Reporting, Underwriting	Date/Time
Borrower Birth Date	Borrowers date of birth. Collected in lieu of AGE in URLA, Section III, second line, third field.	URLA	Borrower	Service ordering, Credit Reporting, Underwriting	Date/Time
Borrower Canadian Social Insurance Number	The Canadian Social Insurance Number associated with the borrower.	URLA	Borrower	MI, Underwriting	Numeric
Borrower Dun and Bradstreet Identifier	The DUNS number associated with the borrower if the borrower is a non-person entity.	Borrower	Borrower	Underwriting	Numeric
Borrower Entity Type	Defines the borrower entity type.	MI Order	MI	Service ordering, MI	Enumerated: Non-Person: Person:
Borrower Financed Conventional Discount Points Amount	The dollar amount that the borrower will finance to buydown the interest rate. Note: Discount points financed and not financed by borrower are equal to the Discount Points Total Amount.	Lender	Application	Underwriting	Money
Borrower Financed FHA/VA Discount Points Amount	The dollar amount of discount points allowable by the applicable FHA guidelines to be financed by the borrower on a FHA no cash out refinance. Used for FHA and VA loans. Note: Discount points financed and not financed by borrower are equal to the Discount Points Total Amount Paid by Borrower - FHA.	FHA	FHA/VA	Underwriting	Money
Borrower First Name	The first name of the borrower. Collected on the URLA in Section III (Borrowers Name).	URLA	Borrower	Service ordering, Credit Reporting, MI, Secondary, Underwriting	String
Borrower First Time Homebuyer Indicator	Indicates that the borrower qualifies as a first time homebuyer as determined by the lender. (Note: The 3 year rule used in the Declarations alone is not sufficient.)	Lender	Declarations	MI, Secondary, Underwriting	Boolean
Borrower Funding Fee Percent	The funding fee percentage due from the borrower. The fee is entered as a percentage.	Lender	Underwriting Case	Underwriting	Numeric
Borrower Last Name	The last name of the borrower. Collected on the URLA in Section III (Borrowers Name).	URLA	Borrower	Service ordering, Credit Reporting, MI, Secondary, Underwriting	String
Borrower Middle Name	The middle name of the borrower. Collected on the URLA in Section III (Borrowers Name).	URLA	Borrower	Service ordering, Credit Reporting, MI, Underwriting	String
Borrower Name Suffix	The name suffix of the borrower. (E.g., JR = Junior, SR = Senior, etc.) Collected on the URLA in Section III (Borrowers Name).	URLA	Borrower	Service ordering, Credit Reporting, MI, Underwriting	String
Borrower Non-primary Residence Present Housing Expense Payment Amount	The dollar amount per month of the borrowers current housing expense type for their non-primary residence. Collected on the URLA in Section VI (Schedule of Real Estate Owned.)	URLA	Expense	Underwriting	Money
Borrower Paid Conventional Discount Points Total Amount	The total dollar amount of discount points that are paid by the borrower. Collected on the URLA in Section VII line h.	URLA	Application	Underwriting	Money
Borrower Paid FHA/VA Closing Costs Amount	The estimated dollar amount of closing costs that will be paid by the borrower on the subject property excluding discount points and prepaid items. Used for FHA and VA loans.	FHA	FHA/VA	Underwriting	Money
Borrower Paid FHA/VA Discount Points Percent	The discount points that the borrower will pay.Used for FHA and VA loans. Must be stated as a percentage of the loan amount.	FHA	FHA/VA	Underwriting	Numeric(8,7)
Borrower Paid FHA/VA Discount Points Total Amount	The total dollar amount of discount points allowable by the applicable FHA guidelines that are paid by the borrower. Used for FHA and VA loans. Collected on the URLA in Section VII line h.	FHA	FHA/VA	Underwriting	Money
Borrower Phone Home	The home telephone number of the borrower. Collected on the URLA in Section II (Home Phone).	URLA	Borrower	Service ordering, Credit Reporting, Underwriting	String
Borrower Primary Residence Present Housing Expense Payment Amount	The dollar amount per month of the borrowers current housing Expense Type for their primary residence. Collected on the URLA in Section V (Monthly Housing Expense - Present).	URLA	Expense	Underwriting	Money
Borrower Requested Loan Amount	The total dollar amount of the mortgage note being originated that is being requested by the borrower. Collected on the URLA in Section I (Amount) and in Section VII line o.	URLA	Application	Service ordering, MI, Underwriting	Money
Borrower Spouse Identifier	The Social Security Number (typically) or alternate identification number (e.g. Canadian Social Insurance Number) of the borrowers spouse. This number is used to indicate which 2 borrowers are married to each other when there are multiple borrowers involved in the transaction. .	LP	Borrower	Service ordering, Credit Reporting, Underwriting	String
Borrower Unfinanced Conventional Discount Points Amount	The dollar amount that is paid at closing from the borrowers funds to buy down the interest rate. Note: Discount points financed and not financed by borrower are equal to the Discount Points Total Amount.	Lender	Application	Underwriting	Money
Borrower Unfinanced FHA/VA Discount Points Amount	The dollar amount of discount points that are paid from the borrowers cash and are not to be financed. Used for FHA and VA loans. Note: Discount points financed and not financed by borrower are equal to the Discount Points Total Amount Paid by Borrower - FHA.	FHA	FHA/VA	Underwriting	Money
Borrower Unparsed Name	The unparsed name of a person or non-person entity that is a borrower. (E.g., DBA) Collected on the URLA in Section III (Borrowers Name).	URLA	Borrower	Service ordering, Credit Reporting, Underwriting	String
Borrower USA Social Security Number	The Social Security Number (SSN) associated with the borrower. Collected on the URLA in Section III (Social Security Number).	URLA	Borrower	Service ordering, Credit Reporting, MI, Secondary, Underwriting	Numeric
Borrower USA Tax Payer Identification Number	The US Taxpayer Identification Number (TIN) associated with the borrower. The borrower may be either a person or a non-person entity.	URLA	Borrower	Service ordering, MI, Underwriting	Numeric
Broker Contact Name	The unstructured name of the broker contact.	Lender	Parties To Transaction	MI	String
Building Status Type	Specifies the physical status of the structure.	Valuation	Appraisal	Underwriting	Enumerated: Existing: Proposed: Subject to Alteration, Improvement, Repair and Rehabilitation: Substantially Rehabilitated: Under Construction:
Business Owned Net Worth Amount	The dollar amount of the net worth of a business owned by the borrower. The net worth is the value of all assets, including cash, less total liabilities. Collected on the URLA in Section VI Assets (Net Worth of Business Owned).	Financial Statement	Asset	Credit Reporting, Underwriting	Money
Buy Price Effective Date	The date the buy price on a pool or loan becomes effective.	Secondary	Pool or Loan	Secondary	Date/Time
Buy Price Expiration Date	The date the buy price expires on a pool or loan.	Secondary	Pool or Loan	Secondary	Date/Time
Buy Price Percent	Price paid for a loan or pool, expressed as a percentage of the par value.	Secondary	Pool or Loan	Secondary	Numeric
Buydown Contributor Type	Specifies the source of the buydown funds.	Lender	Product	MI, Underwriting	Enumerated: Borrower: Builder: Employer: Lender: Non-parent Relative: Parent: Seller: Unassigned: Unrelated Friend:
Buydown Duration Months	The total number of months during which any buydown is in effect.	Lender	Product	MI, Underwriting	Numeric
Buydown Initial Adjustment Percent	The percentage by which the buydown rate adjusts at the initial payment adjustment.	Lender	Product	MI, Underwriting	Numeric(8,7)
Buydown Period To First Adjustment Months	The number of the month in which the first buydown payment adjustment occurs.	Lender	Product	MI, Underwriting	Numeric
Buydown Period To Subsequent Adjustment Months	The number of months between the subsequent buydown payment adjustments.	Lender	Product	MI, Underwriting	Numeric
Buydown Permanent Indicator	Indicates whether the buydown is permanent.	Lender	Product	Underwriting	Boolean
Buydown Rate Percent	The final bought down interest rate. The rate that the applicant will pay after the buydown is applied.	Lender	Product	MI, Underwriting	Numeric(8,7)
Buydown Subsequent Adjustment Percent	The percentage by which the buydown rate adjusts at subsequent payment adjustments after the initial adjustment.	Lender	Product	MI, Underwriting	Numeric(8,7)
Buydown Temporary Subsidy Indicator	Indicates whether there is a temporary buydown subsidy. A subsidy is money paid by the borrower or third party for the purpose of paying down the interest rate and reducing the monthly payments.	Lender	Product	MI, Underwriting	Boolean
Buydown Term Months	The total number of months over which the buydown occurs.	Lender	Product	MI, Underwriting	Numeric
Case State Type	A description of the point in the loan origination process at which the loan is being sent.	LP	UW Case	Underwriting	Enumerated: Application: Application has been taken and is being processed. Final Disposition: Final underwriting decision has been made. Post Closing Quality Control: Loan previously closed, sending to AUS for Quality Control purposed only. Pre-qualification: No Uniform Residential Loan Application (URLA) completed. Underwriting: Lender has verified all data sent to AUS.
Census Tract Identifier	Identifies census tract as defined by the U.S. Census Bureau where subject property is located.	Lender	Subject Property	Service ordering, Underwriting	String
Child Support Owed To Name	The unstructured name of the person to whom child support payments are owed by the borrower. Collected on the URLA in Section VI (Liabilities Child Support Owed To).	URLA	Liability	Underwriting	String
Citizenship Residency Type	Specifies this borrowers current Immigration and Naturalization Service (INS) status. Collected on the URLA in Section VII line j and line k.	URLA	Declarations	Credit Reporting, Underwriting	Enumerated: Non-Permanent Alien: Non-Resident Alien: Permanent Resident Alien: US Citizen:
Comaker Endorser of Note Indicator	Borrowers answer to the question: Are you a co-maker or endorser on a note? Collected on the URLA in Section VII line i.	URLA	Declarations	Service ordering, Credit Reporting, Underwriting	Boolean
Commitment Evaluation Date	The date the status of the commitment was evaluated.	(not specified)	(not specified)	Secondary	Date/Time
Commitment Evaluation Type	How often the commitment is to be tracked and evaluated.	(not specified)	(not specified)	Secondary	Enumerated: 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.
Commitment Extension Period 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.	(not specified)	(not specified)	Secondary	Numeric(3,0)
Commitment Extension Price	(not specified)	(not specified)	(not specified)	Secondary	String
Commitment Face Value Amount	The total face value of the commitment.	(not specified)	(not specified)	Secondary	Numeric
Commitment Max Deliverable Amount	The maximum total loan amount that will be accepted as part of this commitment, expressed as a percentage of the Commitment Amount.	(not specified)	(not specified)	Secondary	Numeric(6,3)
Commitment Maximum Price Percent	The maximum adjusted price that will be paid for this commitment, expressed as a percentage of the CommitmentAmount.	(not specified)	(not specified)	Secondary	Numeric(6,3)
Commitment Minimum Delivery Amount	The minimum total face value of loans that may be delivered under this agreement without penalty, expressed as a percentage of the CommitmentAmount.	(not specified)	(not specified)	Secondary	Numeric(6,3)
Commitment Next Evaluation Date	The date the commitment will next be evaluated.	(not specified)	(not specified)	Secondary	Date/Time
Commitment Period Delivered Amount	The amount delivered for this commitment during this time period.	(not specified)	(not specified)	Secondary	Numeric
Commitment Period Weighted Coupon Rate	The weighted coupon rate for the loans delivered for this commitment during this time period.	(not specified)	(not specified)	Secondary	Numeric(6,3)
Commitment Period Weighted Credit Score	The weighted credit score for all loans delivered during this period.	(not specified)	(not specified)	Secondary	Numeric(3,0)
Commitment Purchase Price	The price that will be paid for the commitment as specified, expressed as a percentage of the Commitment Amount.	(not specified)	(not specified)	Secondary	Numeric(6,3)
Commitment Start Date	The date the commitment agreement commences.	(not specified)	(not specified)	Secondary	Date/Time
Commitment Target Weighted Average Coupon Rate	The target weighted average interest rate for this commitment.	(not specified)	(not specified)	Secondary	Numeric(6,3)
Commitment Target Weighted Average Credit Score	The target weighted average credit score for this commitment.	(not specified)	(not specified)	Secondary	Numeric(3,0)
Commitment Term Days	The duration of the commitment in days.	(not specified)	(not specified)	Secondary	Numeric(4,0)
Commitment Total Delivered Amount	The total delivered amount towards this commitment.	(not specified)	(not specified)	Secondary	Numeric
Commitment Total Weighted Coupon Rate	The total average weighted coupon rate for the delivered loans for this commitment.	(not specified)	(not specified)	Secondary	Numeric(6,3)
Commitment Total Weighted Credit Score	The total weighted average credit score for the delivered loans for this commitment.	(not specified)	(not specified)	Secondary	Numeric(3,0)
Commitment Undelivered Amount	The amount still remaining to be delivered for this commitment.	(not specified)	(not specified)	Secondary	Numeric
Commitment Weighted Average Coupon Rate Quantization Percent	The quantization of weighted average interest rate variance (in percentage points) used when determining whether a fee variance needs to be applied.	(not specified)	(not specified)	Secondary	Numeric(6,3)
Commitment Weighted Average Coupon Rate Variation Percent	The percentage modification to the fee paid for these loans per percentage point variation in the weighted average interest rate delivered.	(not specified)	(not specified)	Secondary	Numeric(6,3)
Commitment Weighted Average Credit Score Quantization Percent	The quantization of weighted average credit score variance (in points) used when determining whether a fee variance needs to be applied.	(not specified)	(not specified)	Secondary	Numeric(3,0)
Commitment Weighted Average Credit Score Variation Percent	The percentage modification to the fee paid for these loans per point of variation in the weighted average credit score delivered.	(not specified)	(not specified)	Secondary	Numeric(6,3)
Community Reinvestment Act Status	Indicates whether either the borrower or the property for this loan falls under the Community Reinvestment Act (CRA)	(not specified)	(not specified)	Secondary	Enumerated:
Comparable Net Adjustment Amount	The sum of positive and negative adjustments to the sales price of a given comparable to derive indicated value of subject property.	Valuation	Appraisal	Service ordering, Underwriting	Money
Comparable Properties Exist Indicator	Indicates whether qualified comparable data values exist for the subject property.	Valuation	Appraisal	Service ordering, Underwriting	Boolean
Comparable Property Unadjusted Sales Price Amount	The dollar amount of the sale price of a comparable property.	Valuation	Appraisal	Service ordering, Underwriting	Money
Construction Improvement Costs Amount	The total dollar amount of additions to raw land that normally increase its value (i.e., the building) as part of a construction loan. Collected on the URAL in Section II (Construction Loan - Cost of Improvements.)	URLA	Subject Property	Underwriting	Money
Construction Loan Treatment Type	Specifies the method of treating Construction Only or the Construction to Permanent loan for the purposes of underwriting. Loans can be treated as either a new purchase or a refinance.	Lender	UW Case	Service ordering, Underwriting	Enumerated: Purchase: Treat as a purchase. Refinance: Treat as a refinance.
Contact Name	The name of individual acting as a contact for a party to the loan.	Multiple	Individuals Name	Service ordering, Credit Reporting, MI, Secondary, Underwriting	String
Contact Point Preference Indicator	This indicator is set to be true when the particular contacts Contact Point (i.e. phone number) is preferred over any others.	Multiple	(not specified)	Service ordering, Credit Reporting, MI, Secondary, Underwriting	Boolean
Contact Point Role Type	This element sets the type of role (i.e. Home, Work or Mobile) used for the Contact Point Type (Phone, Fax, Email).	Multiple	(not specified)	Service ordering, Credit Reporting, MI, Secondary, Underwriting	Enumerated: Home: The applicable Point Type applies to the contacts home. Mobile: The applicable Point Type applies to the contacts mobile (phone/fax/email). Work: The applicable Point Type applies to the contacts work.
Contact Point Type	This datum sets the Type (Phone, Fax, Email, Other) for the Contact Point Value of contact point used for the Contact Point Value.	Multiple	(not specified)	Service ordering, Credit Reporting, MI, Secondary, Underwriting	Enumerated: Email: The Contact Point Value contains an email address. Fax: The Contact Point Value contains a fax number. Other: The Contact Point Value contains some other Contact Point Type. Phone: The Contact Point Value contains a telephone number.
Contact Point Value	This is the actual value of the Contact Point Type.	Multiple	(not specified)	Service ordering, Credit Reporting, MI, Secondary, Underwriting	String
Contingent Liability Indicator	Indicates whether the liability is a contingent liability or has a co-signer. A contingent liability is one for which the borrower is responsible only under specific conditions (e.g., default of person primarily responsible).	Borrower	Liability	Underwriting	Boolean
Counseling Confirmation Type	Specifies the type of mortgage counseling or education program attended by one or more of the borrowers.	Lender	UW Case	Underwriting	Enumerated: American Homeowner Education Institute Approved Counseling: Lender Trained Counseling: No Borrower Counseling: Third Party Counseling:
Credit Bureau Address 1	The credit reporting agency street address.	Credit Bureau	Credit	Credit Reporting	String
Credit Bureau Address 2	The credit reporting agencys unit or suite number.	Credit Bureau	Credit	Credit Reporting	String
Credit Bureau City	The credit report agency city.	Credit Bureau	Credit	Credit Reporting	String
Credit Bureau Country	The country where the credit bureau is located. (No entry assumes U.S.A.).	Credit Report	Credit	Credit Reporting	String
Credit Bureau Name	The credit reporting agency used for the original credit report ordered by the loan originator.	Credit Bureau	Credit	Credit Reporting, Underwriting	String(25)
Credit Bureau Postal Code	The credit reporting agency postal code.	Credit Bureau	Credit	Credit Reporting	String
Credit Bureau State	The credit reporting agency state code	Credit Bureau	Credit	Credit Reporting	String
Credit File Alert Message Text	The credit data repository bureaus sometimes send alert messages with a credit file. Examples might be Inquiry address is an answering service, or SSN has never been issued. Its something you should take note of.	Credit Repository Bureau	Credit	Credit Reporting	String
Credit File Alert Message Type	Lists the name of the repository bureau service that generated the alert message.	Credit Repository Bureau	Credit	Credit Reporting	Enumerated: Equifax SAFESCAN: Optional product that provides alert messages for possibly fraudulent SSN, addresses and other data. Equifax SSN Verified: Optional product that validates borrowers SSN data. Experian FACS Plus: Optional product that generates alert messages for possibly fraudulent SSNs, addresses and other data. Trans Union HAWK Alert: Optional product that matches addresses, SSNs, and phone numbers against national fraud database. Trans Union Trans Alert: Optional product that highlights mismatched addresses, invalid postal codes, SSN mismatches, etc.
Credit File Borrower Age Years	The age of the borrower reported in the credit file returned from the repository bureau. The age is sometimes reported in lieu of the date of birth.	Credit Repository Bureau	Credit	Credit Reporting	Numeric
Credit File Borrower Birth Date	The birthdate of the borrower reported in the credit file returned from the repository bureau.	Credit Repository File	Credit	Credit Reporting	Date/Time
Credit File Borrower First Name	The first name of the borrower reported in the credit file returned from the repository bureau.	Credit Repository Bureau	Credit	Credit Reporting	String
Credit File Borrower Last Name	The last name of the borrower reported in the credit file returned from the repository bureau.	Credit Repository Bureau	Credit	Credit Reporting	String
Credit File Borrower Middle Name	The middle name of the borrower reported in the credit file returned from the repository bureau.	Credit Repository Bureau	Credit	Credit Reporting	String
Credit File Borrower Name Suffix	The suffix name (JR, SR, III, etc.) of the borrower reported in the credit file returned from the repository bureau.	Credit Repository Bureau	Credit	Credit Reporting	String
Credit File Borrower Unparsed Name	The full name of the borrower reported in the credit file returned from the repository bureau.	Credit Repository Bureau	Credit	Credit Reporting	String
Credit File Borrower USA Social Security Number	The Social Security Number (SSN) associated with the borrower reported in the credit file returned from the repository bureau.	Credit Repository Bureau	Credit	Credit Reporting	Numeric
Credit File Comment Text	Any type of additional comment or remark about the credit file.	Credit Report	Credit	Credit Reporting	String
Credit File Consumer Comment Text	This consumer (borrower) comment is on file with the credit data repository and has been included with this credit file.	Credit Report	Credit	Credit Reporting	String
Credit File Data Repository Source	This element describes the source of the credit file - Equifax, Experian, or Trans Union).	Credit Report	Credit	Credit Reporting	Enumerated: Equifax: Experian: Other: Trans Union:
Credit File Error Message	This error message can come either from the credit data repository or the credit bureau. It may indicate a problem with the request data, such as a bad Date of Birth or SSN, or it could be related to a system problem.	Credit Repository Bureau	Credit	Credit Reporting	String
Credit File Infile Date	The Infile Date is the date that the credit data repository first established this credit data file on this borrower.	Credit Repository Bureau	Credit	Credit Reporting	Date/Time
Credit File Owning Bureau Address 1	The full street address of the credit bureau that owns or manages the credit file being referenced.	Credit Repository Bureau	Credit	Credit Reporting	String
Credit File Owning Bureau Address 2	The unit or suite number of the credit bureau that owns or manages the credit file being referenced.	Credit Repository Bureau	Credit	Credit Reporting	String
Credit File Owning Bureau City	The city of the credit bureau that owns or manages the credit file being referenced.	Credit Repository Bureau	Credit	Credit Reporting	String
Credit File Owning Bureau Country	The country of the credit bureau that owns or manages the credit file being referenced.	Credit Repository Bureau	Credit	Credit Reporting	String
Credit File Owning Bureau Identifier	The identification number of the credit bureau that owns or manages the credit file being referenced.	Credit Repository Bureau	Credit	Credit Reporting	String
Credit File Owning Bureau Name	The full name of the credit bureau that owns or manages the credit file being referenced.	Credit Repository Bureau	Credit	Credit Reporting	String
Credit File Owning Bureau Postal Code	The postal code of the credit bureau that owns or manages the credit file being referenced.	Credit Repository Bureau	Credit	Credit Reporting	String
Credit File Owning Bureau State	The state of the credit bureau that owns or manages the credit file being referenced.	Credit Repository Bureau	Credit	Credit Reporting	String
Credit File Unparsed Address Data	This is unparsed address data reported by the repository bureaus with a credit file. The text may also include the date that the address was reported and other data.	Credit Report	Credit	Credit Reporting	String
Credit File Unparsed Employment Data	This is unparsed employment data reported by the repository bureaus with a credit file. The text may also include the date that the employment was reported and other data.	Credit Report	Credit	Credit Reporting	String
Credit File Variation Indicator	This element indicates that there was a variation from the original borrower demographics data in the request and the borrower data in the credit file. It MAY or MAY NOT belong to the borrower specified in the credit request.	Credit Repository Bureau	Credit	Credit Reporting	Enumerated: Different Address: Different Birth Date: Different Generation: Different Last Name: Different Name: Different SSN:
Credit Inquiry Data Repository Source	This element describes the source of the information provided for this credit inquiry - could be a single data repository (Equifax, Experian, Trans Union), or could be a merge of data from multiple sources.	Credit Report	Credit	Credit Reporting	Enumerated: Equifax: Equifax Credit Information Services, Inc. Experian: Experian Information Solutions, Inc. Merged Data: Data is merged from multiple sources Other: The credit account has been closed Trans Union: Trans Union Corporation
Credit Inquiry Date	The date of the credit inquiry.	Credit Report	Credit	Credit Reporting	Date/Time
Credit Inquiry Verification Status Type	Specifies the verification status associated with the borrowers corresponding credit inquiry.	Credit Report	Credit	Credit Reporting	Enumerated: Not Verified: Data related to the credit inquiry has not been verified. To Be Verified: Data related to the credit inquiry is to be verified, but has not been verified. Verified: Data related to the credit inquiry has been verified.
Credit Inquiry Verified By Name	The name or initials of the person who verified information in the record.	Credit Report	Credit	Credit Reporting	String
Credit Inquiry Verified Comment	Any remarks by the person specified in the Verified By person about the data in the record.	Credit Report	Credit	Credit Reporting	String
Credit Inquiry Verified Date	The date that the information in the record was verified.	Credit Report	Credit	Credit Reporting	Date/Time
Credit Liability Account Closed Date	The date that the credit liability account was closed by the liability holder (by either the borrower or the liability holder).	Credit Report	Credit	Credit Reporting	Date/Time
Credit Liability Account Identifier	The account number assigned to the liability account as provided by the credit repository bureau.	Credit Report	Credit	Credit Reporting	String
Credit Liability Account Opened Date	The date that the credit liability account was opened by the liability holder.	Credit Report	Credit	Credit Reporting	Date/Time
Credit Liability Account Ownership Type	Describes the ownership relation of the borrower(s) to the liability account (i.e. are they solely responsible, jointly responsible, a co-signer on the account, etc.)	Credit Report	Credit	Credit Reporting	Enumerated: Authorized User: This individual is an authorized user of this account; another individual has contractual responsibility. Co-maker: This individual has guaranteed this account and assumes responsibility should the maker default. Individual: This individual has contractual responsibility for the account and is primarily responsible for its payment. Joint - Contractual Liability: Individual has contractual responsibility to repay all debts on this account. Others associated with account may or may not have contractual responsibility. Joint - Participating: Maker: This individual is responsible for the account, with is guaranteed by a co-maker. On Behalf Of: This individual has signed an application for the purpose of securing credit for another individual, other than spouse. Terminated: No longer associated with account. Undesignated: Account ownership type has not been designated.
Credit Liability Account Paid Date	The date that the credit liability was reported paid to zero by the liability holder.	Credit Report	Credit	Credit Reporting	String
Credit Liability Account Status Date	The Status Date is the date that the accounts Current Rating was CHANGED to that status by the liability holder. If the Current Rating status is Bankruptcy, for example, the Status Date would be when the account first went into bankkruptcy.	Credit Report	Credit	Credit Reporting	Date/Time
Credit Liability Account Status Type	This data element is an enumerated status list for an account as of the Account Status Date.	Credit Report	Credit	Credit Reporting	Enumerated: Closed: Account is closed Frozen: Account activity has been frozen Open: Account is open Paid: Account is fully paid Refinanced: Account has been refinanced Transferred: Account has been transferred
Credit Liability Account Type	This describes the type of account established with the Liability Account Holder - credit line, installment, mortgage, open, revolving).	Credit Report	Credit	Credit Reporting	Enumerated: Credit Line: Installment: Mortgage: Open: Revolving:
Credit Liability Balloon Payment Amount	The amount that will be due on the account in the form a lump sum balloon payment.	Credit Report	Credit	Credit Reporting	Money
Credit Liability Charge Off Amount	The amount charged off by a liability holder, usually for an account in collection.	Credit Report	Credit	Credit Reporting	Money
Credit Liability Collateral Description	A description of any collateral for the loan (for example, 97 Corvette).	Credit Report	Credit	Credit Reporting	String
Credit Liability Comment Text	Any type of comment or remark about the liability account.	Credit Report	Credit	Credit Reporting	String
Credit Liability Consumer Dispute Indicator	This element indicates whether or not the consumer (borrower) disputes information reported for this account and has filed a FCRA dispute form.	Credit Report	Credit	Credit Reporting	Boolean
Credit Liability Credit Limit Amount	The current credit limit for the account as reported by the liability holder.	Credit Report	Credit	Credit Reporting	Money
Credit Liability Creditor Name	Name of the liability holder. The name and possibly the address and contact information is contained in the Party element as a Credit Trade Reference.	Credit Report	Credit	Credit Reporting	String
Credit Liability Current Delinquency Rating Type	The liability accounts current rating (as of Date Reported) for how timely the borrower has been making payments on this account.	Credit Report	Credit	Credit Reporting	Enumerated: 30-60 Days Late: 61-90 Days Late: 91-120 Days Late: As Agreed: Collection: Foreclosure: No Data Available: Over 120 Days Late: Repossession: Too New: Wage Earner Plan:
Credit Liability Data Repository Source	This element describes the source of the information provided for this liability account - could be a single data repository (Equifax, Experian, Trans Union), or could be a merge of data from multiple sources.	Credit Report	Credit	Credit Reporting	Enumerated: Equifax: Experian: Merged Data: Data has been merged from multiple sources Other: Data has come from sources other than the standard data repositories Trans Union:
Credit Liability Delinquency Rating Type	This is the accounts manner of payment rating for the associated Late Date.	Credit Report	Credit	Credit Reporting	Enumerated: 30-60 Days Late: 61-90 Days Late: 91-120 Days Late: As Agreed: Collection: Foreclosure: No Data Available: Over 120 Days Late: Repossession: Too New: Wage Earner Plan:
Credit Liability Derogatory Data Indicator	This element indicates whether or not the liability account contains adverse or derogatory information.	Credit Report	Credit	Credit Reporting	Boolean
Credit Liability High Balance Amount	The highest balance recorded for the account by the liability holder.	Credit Report	Credit	Credit Reporting	Money
Credit Liability High Credit Amount	The highest credit limit established for the account by the liability holder. It could be higher than the current credit limit.	Credit Report	Credit	Credit Reporting	Money
Credit Liability Highest Delinquency Amount	The highest delinquent amount on the account as reported by the liability holder.	Credit Report	Credit	Credit Reporting	Money
Credit Liability Highest Delinquency Date	The date of the highest (worst) delinquency reported by the liability holder.	Credit Report	Credit	Credit Reporting	Date/Time
Credit Liability Highest Delinquency Rating	The liability accounts highest (or worst) rating for how timely the borrower has been making payments on this account.	Credit Report	Credit	Credit Reporting	Enumerated: 30-60 Days Late: 61-90 Days Late: 91-120 Days Late: As Agreed: Collection: Foreclosure: No Data Available: Over 120 Days Late: Repossession: Too New: Wage Earner Plan:
Credit Liability Last Activity Date	The date of last account activity (such as last charge or last payment)reported by the liability holder.	Credit Report	Credit	Credit Reporting	Date/Time
Credit Liability Late 120 Days Count	The number of times the liability account was reported 120 days late by the liability holder.	Credit Report	Credit	Credit Reporting	Numeric
Credit Liability Late 150 Days Count	The number of times the liability account was reported 150 days late by the liability holder.	Credit Report	Credit	Credit Reporting	Numeric
Credit Liability Late 180 Days Count	The number of times the liability account was reported 180 days late by the liability holder.	Credit Report	Credit	Credit Reporting	Numeric
Credit Liability Late 30 Days Count	The number of times the liability account was reported 30 days late by the liability holder.	Credit Report	Credit	Credit Reporting	Numeric
Credit Liability Late 60 Days Count	The number of times the liability account was reported 60 days late by the liability holder.	Credit Report	Credit	Credit Reporting	Numeric
Credit Liability Late 90 Days Count	The number of times the liability account was reported 90 days late by the liability holder.	Credit Report	Credit	Credit Reporting	Numeric
Credit Liability Late Date	Lists the date (month and year) that the borrower was late on payments. The associated Late Rating element gives the rating for that date.	Credit Report	Credit	Credit Reporting	Date/Time
Credit Liability Loan Type	This element contains an enumerated list of common loan types. If the loan type is Other, then the description is entered into the Liability Type Other element.	Credit Report	Credit	Credit Reporting	Enumerated: Agriculture: Airplane: Appliance Or Furniture: Attorney Fees: Auto Lease: Auto Loan Equity Transfer: Auto Refinance: Automobile: Boat: Business: Business Credit Card: Charge Account: Check Credit Or Line Of Credit: Child Support: Collection: Collection Attorney: Comaker: Combined Credit Plan: Commercial Credit Obligation: Commercial Line Of Credit: Commercial Mortgage: Conditional Sales Contract: Consolidation: Conventional Real Estate Mortgage: Credit Card: Credit Line Secured: Debit Card: Debt Counseling Service: Deposit Related: Educational: Employment: Factoring Company Account: Family Support: Farmers Home Administration FHMA: Federal Consolidated Loan: FHA Comaker Not Borrower: FHA Home Improvement: FHA Real Estate Mortgage: Finance Statement: Government Benefit: Government Employee Advance: Government Fee For Service: Government Fine: Government Grant: Government Miscellaneous Debt: Government Overpayment: Government Secured Direct Loan: Government Secured Guarantee Loan: Government Unsecured Direct Loan: Government Unsecured Guarantee Loan: Home Equity Line Of Credit: Home Improvement: Household Goods: Household Goods And Other Collateral Auto: Household Goods Secured: Installment Loan: Installment Sales Contract: Insurance Claims: Lease: Lender Placed Insurance: Manual Mortgage: Medical Debt: Mobile Home: Mortgage: Note Loan: Note Loan With Comaker: Other: Partially Secured: Personal Loan: Real Estate - Junior Liens: Real Estate - Loan Equity Transfer: Real Estate Mortgage Without Other Collateral: Real Estate Specific Type Unknown: Recreational: Recreational Vehicle: Refinance: Refund Anticipation Loan: Rental Agreement: Residential Loan: Returned Check: Revolving Business Lines: Secured: Secured By Cosigner: Secured Credit Card: Secured Home Improvement: Single Payment Loan: Spouse Support: Summary Of Accounts With Same Status: Time Shared Loan: Title 1 Loan: Unknown Loan Type: Unsecured: Veterans Administration Loan: Veterans Administration Real Estate Mortgage:
Credit Liability Manual Update Indicator	This element indicates whether or not the data in the liability account has been manually updated by the credit bureau based on an investigation.	Credit Report	Credit	Credit Reporting	Boolean
Credit Liability Monthly Payment Amount	The dollar amount of the monthly payment required on borrowers liability account as reported on a credit report. The amount is either calculated by the credit bureau or provided by the credit liability holder.	Credit Report	Credit	Credit Reporting	Money
Credit Liability Months Reviewed Count	The number of months of account history reported by the liability holder. This is the period over which Late Counts are accumulated.	Credit Report	Credit	Credit Reporting	Numeric
Credit Liability Most Recent Delinquency Amount	The most recent amount that the borrower was reported delinquent by the liability holder.	Credit Report	Credit	Credit Reporting	Money
Credit Liability Most Recent Delinquency Date	The date of the most recent delinquency reported by the liability holder.	Credit Report	Credit	Credit Reporting	Date/Time
Credit Liability Most Recent Delinquency Rating	The liability accounts most recent delinquency rating for how timely the borrower has been making payments on this account.	Credit Report	Credit	Credit Reporting	Enumerated: 30-60 Days Late: 61-90 Days Late: 91-120 Days Late: As Agreed: Collection: Foreclosure: No Data Available: Over 120 Days Late: Repossession: Too New: Wage Earner Plan:
Credit Liability Original Creditor Name	When a liability account has been transferred or is being handled by a collection agency, this element indicates the name of original creditor.	Credit Report	Credit	Credit Reporting	String
Credit Liability Past Due Amount	The amount that the borrower is currently past due as reported by the liability holder.	Credit Report	Credit	Credit Reporting	Money
Credit Liability Payment Pattern Data	This is a set of previous monthly payment ratings beginning with the Payment Pattern Start Date. C=Current, 1-6=# Months Late, 7=Wage Earner Plan, 8=Repossession, 9=Collection, N=No Activity, X=No Data.	Credit Report	Credit	Credit Reporting	String
Credit Liability Payment Pattern Start Date	The date of the beginning of the data in the Credit Liability Payment Pattern Data.	Credit Report	Credit	Credit Reporting	Date/Time
Credit Liability Reported Date	The date that the credit liability data was reported by the liability holder.	Credit Report	Credit	Credit Reporting	Date/Time
Credit Liability Term Months	The total number of months established as terms for repayment of a loan.	Credit Report	Credit	Credit Reporting	Numeric
Credit Liability Terms Calculated Or Provided Indicator	This enumerated element indicates whether the monthly payment terms amount was provided by the repository bureau, or calculated by the credit bureau.	Credit Report	Credit	Credit Reporting	Enumerated: Calculated: The monthly payment terms amount was calculated by the credit bureau. Provided: The monthly payment terms amount was provided by the credit liability holder.
Credit Liability Terms Description	A text description for the loan terms (for example, 360 months at $820 per month).	Credit Report	Credit	Credit Reporting	String
Credit Liability Unpaid Balance Amount	The balance owed on a liability account as of the Date Reported by a repository bureau or credit bureau.	Credit Report	Credit	Credit Reporting	Money
Credit Liability Verified By Name	The name or initials of the person who verified information in the record.	Credit Report	Credit	Credit Reporting	String
Credit Liability Verified Comment	Any remarks by the person specified in the Verified By person about the data in the record.	Credit Report	Credit	Credit Reporting	String
Credit Liability Verified Date	The date that the information in the record was verified.	Credit Report	Credit	Credit Reporting	Date/Time
Credit Public Record Attorney Name	The name of the attorney (normally the plaintiff) reported in the public record.	Credit Report	Credit	Credit Reporting	String
Credit Public Record Bankruptcy Assets Amount	The amount of the defendants declared assets at the time of bankruptcy.	Credit Report	Credit	Credit Reporting	Money
Credit Public Record Bankruptcy Liabilities Amount	The amount of the defendants declared liabilities at the time of bankruptcy.	Credit Report	Credit	Credit Reporting	Money
Credit Public Record Comment Text	Any type of comment or remark about the public record.	Credit Report	Credit	Credit Reporting	String
Credit Public Record Consumer Dispute Indicator	This element indicates whether or not the consumer (borrower) disputes information reported for this public record and has filed a FCRA dispute form.	Credit Report	Credit	Credit Reporting	Boolean
Credit Public Record Court Name	The name of the court reporting the public record.	Credit Report	Credit	Credit Reporting	String
Credit Public Record Data Repository Source	This element describes the source of the information provided for this public record - could be a single data repository (Equifax, Experian, Trans Union, Prentice Hall), or could be a merge of data from multiple sources.	Credit Report	Credit	Credit Reporting	Enumerated: Equifax: Equifax Credit Information Services, Inc. Experian: Experian Information Solutions, Inc. Merged Data: Data merged from multiple sources. Other: Other Repository Source. Prentice Hall: Prentice Hall Trans Union: Trans Union Corporation, LLC.
Credit Public Record Defendant Name	The name of the defendant in a public record.	Credit Report	Credit	Credit Reporting	String
Credit Public Record Derogatory Data Indicator	This element indicates whether or not the public record contains adverse or derogatory information.	Credit Report	Credit	Credit Reporting	Boolean
Credit Public Record Disposition	This is the enumerated disposition or the public record as of the Disposition Date. If the disposition does not fit one of the enumerated categories, select Other, and enter it in the Public Record Disposition Other element.	Credit Report	Credit	Credit Reporting	Enumerated: Adjudicated: Appealed: Cancelled: Completed: Converted: Discharged: Dismissed: Distributed: Filed: Granted: Involuntarily Discharged: Non-adjudicated: Other: Paid: Paid - Not Satisfied: Pending: Real Estate Sold: Released: Rescinded: Satisfied: Settled: Unknown: Unreleased: Unsatisfied: Vacated: Voluntarily Discharged: Withdrawn:
Credit Public Record Disposition Date	This element provides the date that the Public Record Disposition Type first became effective.	Credit Report	Credit	Credit Reporting	Date/Time
Credit Public Record Docket Identifier	The Docket Number or Case Number assigned to the Public Record by the court.	Credit Report	Credit	Credit Reporting	String
Credit Public Record Filed Date	The date that the public record was filed by the court.	Credit Report	Credit	Credit Reporting	Date/Time
Credit Public Record Legal Obligation Amount	This is the amount listed in the public record that the defendant is obligated to pay.	Credit Report	Credit	Credit Reporting	Money
Credit Public Record Manual Update Indicator	This element indicates whether or not the data in the public record has been manually updated by the credit bureau based on an investigation.	Credit Report	Credit	Credit Reporting	Boolean
Credit Public Record Paid Date	The date that the Legal Obligation Amount was paid to zero.	Credit Report	Credit	Credit Reporting	Date/Time
Credit Public Record Payment Frequency	This element indicates the frequency of payments allowed for the Legal Obligation Amount.	Credit Report	Credit	Credit Reporting	Enumerated: Lump Sum: Monthly: Other: Unknown: Weekly: Yearly:
Credit Public Record Plaintiff Name	The name of the plaintiff in a public record.	Credit Report	Credit	Credit Reporting	String
Credit Public Record Reported Date	The date that the public record data was last reported by the court to the credit repository bureau.	Credit Report	Credit	Credit Reporting	Date/Time
Credit Public Record Settled Date	The date that the public record case was settled.	Credit Report	Credit	Credit Reporting	Date/Time
Credit Public Record Type	This is the enumerated type of public record reported by the credit bureau. If the type does not fit one of the enumerated categories, enter the type in the Public Record Type Other element.	Credit Report	Credit	Credit Reporting	Enumerated: Annulment: Attachment: Bankruptcy - Type Unknown: Bankruptcy Chapter 11: Bankruptcy Chapter 12: Bankruptcy Chapter 13: Bankruptcy Chapter 7: Bankruptcy Chapter 7 - Involuntary: Bankruptcy Chapter 7 - Voluntary: Collection: Custody Agreement: Divorce Decree: Ficticious Name: Financial Counseling: Financing Statement: Forcible Detainer: Foreclosure: Garnishment: Judgment: Law Suit: Lien: Non-Responsibility: Notice of Default: Other: Public Sale: Repossession: Support Debt: Tax Lien - City: Tax Lien - County: Tax Lien - Federal: Tax Lien - Other: Tax Lien - State: Trusteeship: Unknown: Unlawful Detainer:
Credit Public Record Verification Status	Specifies the verification status associated with the borrowers corresponding public record.	Credit Report	Credit	Credit Reporting	Enumerated: Not Verified: Data related to the public record has not been verified. To Be Verified: Data related to the public record is to be verified, but has not been verified. Verified:
Credit Public Record Verified By Name	The name or initials of the person who verified information in the record.	Credit Report	Credit	Credit Reporting	String
Credit Public Record Verified Comment	Any remarks by the person specified in the Verified By person about the data in the record.	Credit Report	Credit	Credit Reporting	String
Credit Public Record Verified Date	The date that the information in the record was verified.	Credit Report	Credit	Credit Reporting	Date/Time
Credit Report Comment Text	Any type of additional comment or remark about the credit report, that is included by the credit bureau.	Credit Report	Credit	Credit Reporting	String
Credit Report Consumer Comment Text	This is a consumer (borrower) comment reported by the credit bureau. There is also a Credit File Consumer Comment element, which is reported by the credit data repository.	Credit Report	Credit	Credit Reporting	String
Credit Report Error Message	This is an error message related to the overall credit report. There is also a Credit File Error Message, that is related to a specific credit file that is part of a full credit report.	Credit Report	Credit	Credit Reporting	String
Credit Report First Issued Date	Date and time the referenced credit report was first issued.	Credit Report	Credit	Credit Reporting	Date/Time
Credit Report Identifier	A reference number assigned by the credit bureau to a specific credit report. This report number is also referenced when a Reissue, Upgrade, or StatusQuery of an existing report is requested.	Credit Report	Credit	Credit Reporting	String
Credit Report Last Updated Date	The date and time that the referenced credit report was last updated or revised.	Credit Report	Credit	Credit Reporting	Date/Time
Credit Report Merge Type Indicator	This element indicates how duplicate data from multiple sources is handled on a credit report.	Credit Report, Service Request	Credit	Credit Reporting	Enumerated: Blend: A record is formed by blending data from a group of duplicates. List and Stack: A Merged data record is followed by the individual duplicate Repository records. Pick and Choose: A record is picked from a list of duplicates.
Credit Report Price Amount	The price of the credit report produced on the borrower(s).	Credit Report	Credit	Credit Reporting	Money
Credit Report Price Type	This describes the type of the Credit Report Price (Net, Tax, Total or Other)	Credit Report	Credit	Credit Reporting	Enumerated: Net: Total price not including tax Other: Other price type - List description in Price Type Other Tax: Amount of local or state tax, if any Total: Total price including tax
Credit Report Reference Identifier	The reference number associated with a credit report. If previously retrieved, the reference number of the previously retrieved report.	Credit Bureau	Credit	Credit Reporting, Underwriting	String
Credit Report Request Action	Select the type of service action being requested. If the service action refers to an existing report, specify which one in the Credit Report Reference Number element.	Service Request	Credit	Credit Reporting	Enumerated: Reissue: Resend existing report (specify) Submit: Submit or add as a new request. Update: Update data for an existing report (specify report #). Upgrade: Upgrade an existing report (specify Report #) to type listed in Credit Report Type, or specify additional repository bureaus to be pulled.
Credit Report Summary	Any type of additional summary data that is provided by the credit bureau	Credit Report	Credit	Credit Reporting	String
Credit Report Type	The type of credit report that was requested or produced. Most common types are Merged report (data from credit data repositories is merged), and RMCR (Residential Mortgage Credit Report - contains verified liabilities, employment, etc.)	Credit Report, Service Request	Credit, Service Ordering	Credit Reporting	Enumerated: Merge: A merge report (also called merged infile) includes data on file from the selected credit data repositories. Merge Plus: An enhanced version of the Merge product. Contact credit bureau for details. Non-Traditional: Provides credit evaluation for borrowers with minimal credit history. Other: Risk Scores Only: Provides credit risk scores only. RMCR: Residential Mortgage Credit Report is an enhanced credit product that contains verified information and/or additional investigation. RMCR Foreign: RMCR with additional foreign investigation.
Credit Repository Bureaus Selected Count	This element stores the number of repository bureaus desired for a credit request. When a requestor uses this element, they are selecting the number of repositories to be pulled, not specific bureaus. The credit bureau would then choose which bureaus to be pulled based on a methodology agreed on with their customer (for example, zip code or customer preference).	Credit Request	Credit	Credit Reporting	Numeric
Credit Repository Equifax Included	This element indicates whether Equifax is included in either the request or response.	Credit Report	Credit	Credit Reporting	Boolean
Credit Repository Experian Included	This element indicates whether Experian is included in either the request or response.	Credit Report	Credit	Credit Reporting	Boolean
Credit Repository Prentice Hall Included Indicator	This element indicates whether Prentice Hall is included in either the request or response.	Credit Report	Credit	Credit Reporting	Boolean
Credit Repository Trans Union Included Indicator	This element indicates whether Trans Union is included in either the request or response.	Credit Report	Credit	Credit Reporting	Boolean
Credit Request Type	The Credit Request Type specifies either an Individual Report on one person, or a Joint Report on two married persons.	Credit Request	Credit	Credit Reporting	Enumerated: Individual: Credit Report on a single individual Joint: A combined credit report on two married persons
Credit Score Data Repository Source Type	This element describes the source of the information provided for this credit score - could be a single data repository (Equifax, Experian, Trans Union), or could be a merge of data from multiple sources.	Credit Report	Credit	Credit Reporting, Underwriting	Enumerated: Equifax: Experian: Merged Data: Other: Trans Union:
Credit Score Date	Date that the referenced credit score was produced.	Credit Bureau	Credit	Credit Reporting, Underwriting	Date/Time
Credit Score Exclusion Reason Type	An enumerated list of reasons why a credit score could not be generated.	Credit Report	Credit	Credit Reporting	Enumerated: InvalidScoreRequest: NotScoredCreditDataNotAvailable: NotScoredFileIsUnderReview: NotScoredFileTooLong: NotScoredInsufficientCredit: NotScoredNoQualifyingAccount: NotScoredNoRecentAccountInformation: NotScoredSubjectDeceased: ScoringNotAvailable: UnauthorizedScoreRequest:
Credit Score Factor Description	The text remarks associated with a Credit Score Factor	Credit Report	Credit	Credit Reporting	String
Credit Score Factor Identifier	Factors of the borrowers credit which give context to the referenced credit score. The factor is normally a numeric code. The Credit Score Factor Text contains the text for the factor code.	Credit Bureau	Credit	Credit Reporting, MI, Underwriting	String
Credit Score Model Name	Identifies the score algorithm model name used to produce the referenced credit risk score.	Credit Bureau	Credit	Credit Reporting, MI, Underwriting	Enumerated: Equifax Beacon: Fair Isaac risk model forecasting delinquency within 24 months. Equifax Beacon Auto: Fair Isaac risk model for auto finance loans. Equifax Beacon Bankcard: Fair Isaac risk model for bank credit cards. Equifax Beacon Installment: Fair Isaac risk model for installment loans. Equifax Beacon Personal Finance: Fair Isaac risk model for personal finance loans. Equifax DAS: Delinquency Alert System is a MDS risk model that forecasts risk of consumer filing bankruptcy. Equifax Enhanced Beacon: An updated Fair Isaac risk model forecasting the risk of delinquency within 24 months. Equifax Enhanced DAS: Enhanced Delinquency Alert System is a MDS risk model that forecasts risk of consumer filing bankruptcy. Equifax Mortgage Score: A custom risk score model from Equifax specifically for assessing mortgage loan risk. Experian Fair Isaac: Fair Isaac risk model forecasting risk of delinquency within 24 months. Experian Fair Isaac Auto: Fair Isaac risk model for auto finance. Experian Fair Isaac Bankcard: Fair Isaac risk model for bank credit cards. Experian Fair Isaac Installment: Fair Isaac risk model for installment loans. Experian Fair Isaac Personal Finance: Fair Isaac risk model for personal finance loans. Experian MDS Bankruptcy II: MDS risk model that forecasts risk of consumer filing bankruptcy. Experian New National Equivalency: Experian option for the National Risk Model that produces score ranges similar to Fair Isaac models. Experian New National Risk: New version of Experians National Risk Model. Experian Old National Risk: Original version of Experians National Risk Model. Trans Union Delphi: MDS risk model that forecasts risk of consumer filing bankruptcy. Trans Union Empirica: Fair Isaac risk model forecasting risk of delinquency within 24 months. Trans Union Empirica Auto: Fair Isaac risk model for auto finance loans. Trans Union Empirica Bankcard: Fair Isaac risk model for bank credit cards. Trans Union Empirica Installment: Fair Isaac risk model for installment loans. Trans Union Empirica Personal Finance: Fair Isaac risk model for personal finance loans. Trans Union New Delphi: Updated MDS risk model that forecasts risk of consumer filing bankruptcy.
Credit Score Value	Numeric credit score resulting from credit evaluation model.	Credit Bureau	Credit	Credit Reporting, MI, Secondary, Underwriting	Numeric
Credit Trade Reference Address 1	The street address of a party referenced in a credit report.	Credit Report	Credit	Credit Reporting	String
Credit Trade Reference Address 2	The unit or suite number of a party referenced in a credit report.	Credit Report	Credit	Credit Reporting	String
Credit Trade Reference City	The city of a party referenced in a credit report.	Credit Report	Credit	Credit Reporting	String
Credit Trade Reference Country	The country of a party referenced in a credit report. (No entry assumes U.S.A.).	Credit Report	Credit	Credit Reporting	String
Credit Trade Reference Name	Name of a party referenced in a credit report. Could be a creditor, inquiring party, court, attorney or plaintiff.	Credit Report	Credit	Credit Reporting	String
Credit Trade Reference Postal Code	The postal code of a party referenced in a credit report.	Credit Report	Credit	Credit Reporting	String
Credit Trade Reference State	The state of a party referenced in a credit report.	Credit Report	Credit	Credit Reporting	String
Current Combined Loan To Value Ratio	The current combined loan-to-value ratio for all liens on the property, expressed as a ratio.	(not specified)	(not specified)	Secondary	Numeric
Current Employment Indicator	This element is an indicator that tells whether the associated employment is current or not using an Y/N indicator.	URLA	Employment	Credit Reporting, Underwriting	Boolean
Current First Mortgage Holder Type	Specifies the investor holding the first mortgage that is being refinanced.	Lender	UW Case	Service ordering, Underwriting	Enumerated: Fannie Mae: Freddie Mac: Other Investor: Unknown:
Current Income Amount	The dollar amount per month of the borrowers current (vs. past or future) Income Type (e.g., current job base salary). Collected on the URLA in Section V (Gross Monthly Income).	URLA	Income	Credit Reporting, Secondary, Underwriting	Money
Current Loan To Value Ratio	The current loan to value ratio for the loan, expressed as a ratio.	(not specified)	(not specified)	Secondary	Numeric
Current Note Rate	The current note rate for this loan.	(not specified)	(not specified)	Secondary	Numeric
Current Payment Rate	The current payment rate for this loan.	(not specified)	(not specified)	Secondary	Numeric
Current Primary Employer Address 1	The unstructured (unparsed) street address of the borrowers current primary employer. Collected on the URLA in Section IV (Address of Employer).	URLA	Employment	Credit Reporting, Underwriting	String
Current Primary Employer Address 2	The unit or suite number (if any) of the address of borrowers current primary employer. Collected on the URLA in Section IV (Address of Employer).	URLA	Employment	Credit Reporting, Underwriting	String
Current Primary Employer Business Type Description	An expanded description of the borrowers current primary employment type of business. Collected on the URLA in Section IV (Type of Business).	URLA	Employment	Credit Reporting, Underwriting	String
Current Primary Employer City	The city in which the borrowers current primary employer is located. Collected on the URLA in Section IV (Address of Employer).	URLA	Employment	Credit Reporting, Underwriting	String
Current Primary Employer Country	The country in which the borrowers current primary employer is located if not the U.S.A. Collected on the URLA in Section IV (Address of Employer).	URLA	Employment	Credit Reporting, Underwriting	String
Current Primary Employer Name	The unstructured name of the borrowers current primary employer. Collected on the URLA in Section IV (Name of Employer).	URLA	Employment	Credit Reporting, Underwriting	String
Current Primary Employer Position Description	An expanded description of the borrowers current primary employment position. Collected on the URLA in Section IV.	URLA	Employment	Credit Reporting, Underwriting	String
Current Primary Employer Position Title	An expanded description of the borrowers current primary employment title. Collected on the URLA in Section IV (Title).	URLA	Employment	Credit Reporting, Underwriting	String
Current Primary Employer Postal Code	The postal code (zip code) of the address of borrowers current primary employer. Collected on the URLA in Section IV (Address of Employer).	URLA	Employment	Credit Reporting, Underwriting	String
Current Primary Employer State	The state that the borrowers current primary employer is located. Collected on the URLA in Section IV (Address of Employer).	URLA	Employment	Credit Reporting, Underwriting	String
Current Primary Employer Telephone	The telephone number of the current primary employer. Collected on the URLA in Section IV (Business Phone).	URLA	Employment	Credit Reporting, Underwriting	String
Current Primary Employer Time in Line of Work Months	The total number of months the borrower has been employed in their current primary occupation. Collected on the URLA in Section IV (Years Employed In This Line of Work).	URLA	Employment	Credit Reporting, Secondary, Underwriting	Numeric
Current Primary Employment Self-Employment Indicator	Indicates that in the referenced current primary employment the borrower is self-employed. Collected on the URLA in Section IV (Self Employed Check Box).	URLA	Employment	MI, Secondary, Underwriting	Boolean
Current Primary Employment Start Date	The start date for the borrowers current primary employment. Collected on the URLA in Section IV (Years on Job). Used to calculate the Years on Job. The primary employer is the one that contributes the highest income if the borrower has more than one job.	URLA	Employment	Secondary, Underwriting	Date/Time
Current Residence Address 1	The unstructured street address at which the borrowers current residence is located. Collected on the URLA in Section III (Present Address).	URLA	Borrower	Credit Reporting, MI, Secondary, Underwriting	String
Current Residence Address 2	The unit number (if any) of the address of the borrowers current residence. Collected on the URLA in Section III (Present Address).	URLA	Borrower	Credit Reporting, MI, Underwriting	String
Current Residence Apartment Or Unit	The apartment or unit number (if any) of the address of the borrowers current residence. Collected on the URLA in Section III (Present Address).	URLA	Borrower	Credit Reporting	String
Current Residence City	The name of the city in which the borrowers current residence is located. Collected on the URLA in Section III (Present Address).	URLA	Borrower	Credit Reporting, MI, Secondary, Underwriting	String
Current Residence Country	The name of the country in which the borrowers current residence is located if not in USA.	URLA	Borrower	Credit Reporting, MI, Underwriting	String
Current Residence Direction Prefix	The Direction Prefix address component of a current borrower residence. (N, S, E, W, NW, SW, NE, SE).	URLA	Borrower	Credit Reporting	String
Current Residence Direction Suffix	The Direction Suffix address component of a current borrower residence.	URLA	Borrower	Credit Reporting	String
Current Residence House Number	The House Number or Building Number address component of a current borrower residence.	URLA	Borrower	Credit Reporting	String
Current Residence Military APO FPO	The Military APO or FPO address component of a current borrower residence.	URLA	Borrower	Credit Reporting	String
Current Residence Post Office Box	The Post Office Box address component of a current borrower residence. For a borrower residence, it is normally part of a rural route address.	URLA	Borrower	Credit Reporting	String
Current Residence Postal Code	The postal code (zip code for US addresses) of the address of borrowers current residence. Collected on the URLA in Section III (Present Address).	URLA	Borrower	Credit Reporting, MI, Secondary, Underwriting	String
Current Residence Rural Route	The Rural Route address component of a current borrower residence. Sometimes combined with a Post Office Box.	URLA	Borrower	Credit Reporting	String
Current Residence State	The name of the state in which the borrowers current residence is located. Collected on the URLA in Section III (Present Address).	URLA	Borrower	Credit Reporting, MI, Secondary, Underwriting	String
Current Residence Street Name	The Street Name address component of a current borrower residence.	URLA	Borrower	Credit Reporting	String
Current Residence Street Suffix	The Street Suffix address component of a current borrower residence. (ST, AV, BV, CT, PL, etc. - use USPS approved abbreviations).	URLA	Borrower	Credit Reporting	String
Current Secondary Employer Address 1	The unstructured (unparsed) street address of the borrowers current secondary employer. Collected on the URLA in Section IV (Address of Employer).	URLA	Employment	Credit Reporting, Underwriting	String
Current Secondary Employer Address 2	The unit or suite number (if any) of the address of borrowers current secondary employer. Collected on the URLA in Section IV (Address of Employer).	URLA	Employment	Credit Reporting, Underwriting	String
Current Secondary Employer Business Type Description	An expanded description of the borrowers current secondary employment type of business. Collected on the URLA in Section IV (Type of Business).	URLA	Employment	Credit Reporting, Underwriting	String
Current Secondary Employer City	The city in which the borrowers current secondary employer is located. Collected on the URLA in Section IV (Address of Employer).	URLA	Employment	Credit Reporting, Underwriting	String
Current Secondary Employer Country	The country in which the borrowers current primary employer is located if not the U.S.A. Collected on the URLA in Section IV (Address of Employer).	URLA	Employment	Credit Reporting, Underwriting	String
Current Secondary Employer Name	The unstructured name of the borrowers current secondary employer is located. Collected on the URLA in Section IV (Name of Employer).	URLA	Employment	Credit Reporting, Underwriting	String
Current Secondary Employer Position Description	An expanded description of the borrowers current secondary employment position. Collected on the URLA in Section IV (Position).	URLA	Employment	Credit Reporting, Underwriting	String
Current Secondary Employer Position Title	An expanded description of the borrowers current secondary employment title. Collected on the URLA in Section IV (Title).	URLA	Employment	Credit Reporting, Underwriting	String
Current Secondary Employer Postal Code	The postal code (zip code) of the address of borrowers current secondary employer. Collected on the URLA in Section IV (Address of Employer).	URLA	Employment	Credit Reporting, Underwriting	String
Current Secondary Employer State	The state that the borrowers current secondary employer is located. Collected on the URLA in Section IV (Address of Employer).	URLA	Employment	Credit Reporting, Underwriting	String
Current Secondary Employer Telephone	The telephone number of the current secondary employer. Collected on the URLA in Section IV (Business Phone).	URLA	Employment	Credit Reporting, Underwriting	String
Current Secondary Employment Self-Employment Indicator	Indicates that in the referenced current secondary employment the borrower is self-employed. Collected on the URLA in Section IV (Self Employed Check Box).	URLA	Employment	MI, Underwriting	Boolean
Current Secondary Employment Start Date	The start date for the borrowers current secondary employment. Collected on the URLA in Section IV (Dates From). Used to calculate the Years on Job.	URLA	Employment	Credit Reporting, Underwriting	Date/Time
Dependent Count	The number of dependents disclosed by the borrower. Collected on the URLA in Section III (Dependents No.).	URLA	Borrower	Credit Reporting, Underwriting	Numeric
Dependents Ages Comma Separated List	The ages of all dependents disclosed by the borrower. This is a comma separated list of ages. Collected on the URLA in Section III (Dependents Ages).	URLA	Borrower	Credit Reporting, Underwriting	String
Description	Description of the item.	(not specified)	(not specified)	Secondary	String
Down Payment Amount	The dollar amount of the borrowers Down Payment Type. Collected on the URLA in Section II (Source of Down Payment).	URLA	Application	MI, Underwriting	Money
Down Payment Description	A free-form test field used to capture the type of down payment or additional comments concerning the type of down payment. Collected on the URLA in Section II (Source of Down Payment) along with down payment source.	URLA	Application	Underwriting	String
Down Payment Option Type	Specifies the type of option used to facilitate the borrowers down payment.	MI Order	Application	MI, Underwriting	Enumerated: 3/2 Option: 5% Option:
Down Payment Source Description	A free-form text field used to capture the source of the down payment. Collected on the URLA in Section II (Source of Down Payment) along with down payment type.	URLA	Application	Underwriting	String
Down Payment Type	Specifies the general names (type) of items commonly used for a down payment by the borrower(s) in a mortgage loan transaction. Collected on the URLA in Section II (Source of Down Payment).	URLA	Application	MI, Underwriting	Enumerated: Bridge Loan: Cash Borrowed, Unsecured Borrowed Funds: Cash on Hand: Cash-Gift, Gift Funds: Checking/Savings: Deposit on Sales Contract: Equity on Pending Sale: Equity on Sold Property: Equity on Subject Property: Life Insurance Cash Value: Lot Equity: Other Type of Down Payment: Pledged Collateral: Rent with Option to Purchase: Retirement Funds: Sale of Chattel: Secured Borrowed Funds: Stocks & Bonds: Sweat Equity: Trade Equity: Trust Funds:
Employment Data Verification Status Type	Specifies the verification status associated with the borrowers corresponding employment data.	Credit Report	Credit	Credit Reporting	Enumerated: Not Verified: Data related to employment has not been verified. To Be Verified: Data related to employment is to be verified, but has not been verified. Verified: Data related to employment has been verified.
Employment Data Verified By Name	The name or initials of the person who verified information in the record.	Credit Bureau	Credit	Credit Reporting	String
Employment Data Verified Comment	Any remarks by the person specified in the Verified By person about the data in the record.	Credit Report	Credit	Credit Reporting	String
Employment Data Verified Date	The date that the information in the record was verified.	Credit Report	Credit	Credit Reporting	Date/Time
Energy Efficient Home Indicator	Indicates that the appraiser states that the property meets FHA /VA Energy Efficient Home guidelines. Usually applies to new construction.	FHA/VA	Subject Property	Service ordering, Underwriting	Boolean
Escrow Balance	The balance or credit amount in the escrow accounts for this loan.	(not specified)	(not specified)	Secondary	Numeric
Escrow Waiver Indicator	Indicates whether the lender will waive the borrowers escrow deposits.	Lender	Application	Underwriting	Boolean
Estimated Conventional Closing Costs Amount	The dollar amount of the estimated loan fees, title fees, appraisal fees and other closing costs associated with the subject transaction excluding discount points. Collected on the URLA in Section VII line f.	URLA	Application	MI, Underwriting	Money
Estimated FHA Closing Costs Amount	The dollar amount of closing costs regardless of source that may be added to the sales price or appraised value when calculating the HUD Maximum Allowable Loan Amount, that is reasonable and customary in the area as determined by the local FHA office. Collected on the URLA in Section VII line f. Used for FHA only.	URLA	FHA/VA	Underwriting	Money
Fannie Mae Affordable Program Identifier	Identifies Fannie Maes unique identifier used to specify the affordable mortgage product being financed.	LP	UW Case	Underwriting	String
Fannie Mae Borrower Credit Rating	A code supplied by Fannie Mae that corresponds to the borrowers credit history.	Fannie Mae	Underwriting Case	Underwriting	String
Fannie Mae Community Seconds Indicator	Indicates whether the loan is a Fannie Mae Community Seconds.	Lender	Underwriting Case	Underwriting	Boolean
Fannie Mae Neighbors Mortgage Eligibility Indicator	Indicates whether the loan is eligible to be a Fannie Mae Neighbors mortgage.	Lender	Underwriting Case	Underwriting	Boolean
Fannie Mae Product Plan Identifier	A number that identifies the varying loan payment / rate exchange characteristics of variable rate mortgages.	Fannie Mae	Underwriting Case	Underwriting	String
Fannie Mae Project Code Identifier	Fannie Mae code identifying type of project or condominium classification for the subject property.	Fannie Mae	Project	Underwriting	String
FHA Alimony Liability Treatment Type	Identifies how the borrower or lender prefers that the judgment process treat alimony in an FHA transaction.	Lender	FHA/VA	Underwriting	Enumerated: Addition to Debt: This means that the alimony is included in the aggregate of obligations. Reduction to Income: This means that the income entered is to be reduced by the amount of alimony.
FHA Coverage Renewal Rate Percent	Indicates the percentage of the renewal mortgage insurance premiums for FHA loans.	FHA	FHA/VA	Underwriting	Numeric(8,7)
FHA Mortgage Credit Certificate Amount	The dollar amount of the FHA Mortgage Credit Certificate. This is entered as a whole number. It is an annual tax credit. FHA allows it to be treated as monthly income.	Lender	Underwriting Case	Underwriting	Money
FHA Refinance Type	Indicates the amount of documentation for no cash out refinance loans.	Lender	Underwriting Case	Underwriting	Enumerated: Full Documentation (Conventional, FHA or VA): Interest Rate Reduction Refinance Loan (FHA and VA):
FHA/VA Approved Condominium/Cooperative Indicator	Indicates whether HUD or VA approves a condominium or cooperative.	FHA/VA	Project	Underwriting	Boolean
FHA/VA Originator Identifier	The FHA or VA assigned number of the originator of the loan.	LP	FHA/VA	Underwriting	String
FHA/VA Underwriter Computerized Homes Underwriting System Identifier	The DE underwriter authorized to approve the loan on behalf of the FHA.	LP	FHA/VA	Underwriting	String
First Payment Adjustment Months	The number of the month in which the first payment adjustment occurs. If the subject mortgage can change by means other than a rate adjustment.	Lender	Product	MI, Underwriting	Numeric
First Rate Adjustment Months	The number of the month in which the first payment rate occurs. If the interest rate on the subject loan can change.	Lender	Product	MI, Underwriting	Numeric
Flood Product Description	Specific product requested with service order.	(not specified)	(not specified)	Service ordering	String
Freddie Mac Affordable Program Type	Identifies Freddie Macs unique identifier used to specify the affordable mortgage product being financed.	LP	UW Case	Underwriting	Enumerated: Affordable Gold 3/2: Affordable Gold 5: Affordable Gold 97: Not Affordable Product: Specially-negotiated Affordable 3/2: Specially-negotiated Affordable 97: Specially-negotiated Affordalbe 5:
Freddie Mac Cash Out Refinance Indicator	Indicates if the loan is a Freddie Mac Cash Out Refinance.	LP	LP Trans	Underwriting	Boolean
Freddie Mac Offering Type	Used by Loan Prospector to indicate the specific type of product offering.	LP	LP Trans	Underwriting	Enumerated: Alt 97:
Freddie Mac Project Code Type	Freddie Mac code identifying type of project or condominium classification for the subject property.	Freddie Mac	Project	Underwriting	Enumerated: Approved FHA/VA condominium project or spot loan: Complete and controlled by homeowners association for 1 or more years: Complete and controlled by homeowners association for less than 1 year: Under development; Developer still in control:
Freddie Mac Refinance Loan Type	Used by Freddie Macs Loan Prospector to identify the special types of refinance mortgages.	LP	LP Trans	Underwriting	Enumerated: FHA Credit Qualifying Refinance: A refinance mortgage where the subject FHA loan will pay off an outstanding FHA loan under the streamlined refinance guidelines as provided to the lender by FHA and as processed through Loan Prospector. Freddie Mac Owned Streamlined Refinance: A no cash out refinance mortgage currently owned by Freddie Mac in whole or in part, or securitized by Freddie Mac requiring limited underwriting analysis and reduced documentation (verification of income and employment is not required.) General Streamlined Refinance: A no cash out refinance mortgage requiring limited underwriting analysis and reduced documentation.
Freddie Mac Secondary Financing Type	Specifies a Freddie Mac classification of the predominant type of secondary financing on the mortgage. Used for affordable housing products.	LP	LP Trans	Underwriting	Enumerated: Hard: No Secondary Financing: Soft: Very Soft:
Fulfillment Party Address 1	The street address of the party this is supposed to complete the request.	(not specified)	(not specified)	Service ordering, Credit Reporting	String
Fulfillment Party Address 2	The unit number that further specifies the location of a party that is supposed to complete a request.	(not specified)	(not specified)	Service ordering, Credit Reporting	String
Fulfillment Party City	The city for the party that is supposed to complete the request.	(not specified)	(not specified)	Service ordering, Credit Reporting	String
Fulfillment Party Name	The full name of the ultimate party processing the service request if it differs from the receiving party. Often used when a service provider uses local vendors to fulfill services.	(not specified)	(not specified)	Service ordering, Credit Reporting	String
Fulfillment Party Postal Code	The zip or postal code for the party that is supposed to complete the request.	(not specified)	(not specified)	Service ordering, Credit Reporting	String
Fulfillment Party State	The state for the party that is supposed to complete the request.	(not specified)	(not specified)	Service ordering, Credit Reporting	String
Gender Type	The borrowers or interviewers statement about the borrowers gender. Collected on the URLA in Section X (Sex).	URLA	Declarations	MI, Underwriting	Enumerated: Female: Information not provided - Unknown: Information was not provided by borrower in a mail or telephone application and interviewer was unable to determine. Male: Not Applicable: Borrower is an entity not an individual (e.g., corporation)
Gift Fund Total Amount	The total gift amount to be utilized in the transaction. This includes both funds deposited in borrower accounts and reflected in the Asset Section of the URLA and those not yet deposited	LP	UW Case	Underwriting	Money
Guarantor Fee Percentage	The guarantor fee, expressed as a percentage, for this loan.	(not specified)	(not specified)	Secondary	Numeric
HELOC Maximum Balance Amount	The maximum dollar amount of credit available to the borrower on a Home Equity Line of Credit (HELOC) regardless of whether the borrower has accessed the amount.	Lender	Liability	Underwriting	Money
HELOC Maximum Payment Amount	The maximum dollar amount of the potential monthly payment that the borrower must make on a Home Equity Line of Credit (HELOC).	Lender	Liability	Underwriting	Money
HELOC Twelve Month Draw Amount	The dollar amount the borrower has drawn on a Home Equity Line of Credit (HELOC) in previous 12 months.	Lender	Liability	Underwriting	Money
Homeowner Past Three Years Indicator	Borrowers answer to the question: Have you had an ownership interest in a property in the last three years?. Collected on the URLA in Section VIII line m.	URLA	Declarations	Credit Reporting, Underwriting	Boolean
Housing Expense Type	Specifies the general names (types) of housing expense items commonly listed as by the borrower(s) in a mortgage loan transaction. Collected on the URLA in Section V.	URLA	Expense	Underwriting	Enumerated: First Mortgage Principal and Interest: Amount of periodic principal and interest payment on a first mortgage on real estate. Could be present or proposed housing expense. Principal refers to the monthly payment that reduces the remaining balance of the mortgage. Interest is the fee charged for borrowing money. Collected on URLA in Section V (Present / Proposed Housing Expense) and /or Section VI (Schedule of Real Estate). First Mortgage Principal, Interest, Taxes and Insurance: Amount of periodic principal and interest payment on a first mortgage on real estate plus annual pro-rata share of property taxes and hazard insurance on the property. Principal refers to the monthly payment that reduces the remaining balance of the mortgage. Interest is the fee charged for borrowing money. Taxes and insurance refers to the amount that are paid into an escrow account each month for property taxes and mortgage and hazard insurance. Could be present or proposed housing expense. Collected on URLA in Section V (Present / Proposed Housing Expense) and /or Section VI (Schedule of Real Estate). Hazard Insurance: Insurance coverage that provides compensation to insured in case of property damage or loss. (e.g., renters, homeowners, fire, earthquake, flood, etc.) Collected on URLA in Section V (Present / Proposed Housing Expense) and/or Section VI (Schedule of Real Estate). Homeowners Association Dues and Condominium Fees: association to pay the cost of maintaining areas owned in common by all homeowners within a planned unit development. Collected on URLA in Section V (Present / Proposed Housing Expense) and/or Section VI (Schedule of Real Estate). Leasehold Payments: When land under improvements is leased rather than owned, this is the periodic rent. A form of other housing expense. Maintenance and Miscellaneous: Ongoing expenses incurred by borrower to maintain real estate owned. Collected on the URLA in Section VI (Schedule of Real Estate). Mortgage Insurance: Insurance which protects mortgage lenders against loss in the event of default by the borrower. Collected on URLA in Section V (Present / Proposed Housing Expense) and/or Section VI (Schedule of Real Estate). Other Housing Expense: Other expenses related to housing which are not included in the listed values. Typically linked to FREE TEXT description. Collected on URLA in Section V (Present / Proposed Housing Expense). Other Mortgage Loan Principal and Interest: Amount of periodic principal and interest payment on a subordinate mortgage on real estate. Could be present or proposed housing expense. Principal refers to the monthly payment that reduces the remaining balance of the mortgage. Interest is the fee charged for borrowing money. Collected on URLA in Section V (Present / Proposed Housing Expense) and /or Section VI (Schedule of Real Estate). Other Mortgage Loan Principal, Interest, Taxes and Insurance: Amount of periodic principal and interest payment on a subordinate mortgage on real estate plus annual pro-rata share of property taxes and hazard insurance on the property. Principal refers to the monthly payment that reduces the remaining balance of the mortgage. Interest is the fee charged for borrowing money. Taxes and insurance refers to the amount that are paid into an escrow account each month for property taxes and mortgage and hazard insurance. Could be present or proposed housing expense. Collected on URLA in Section V (Present / Proposed Housing Expense) and /or Section VI (Schedule of Real Estate). Real Estate Tax: Local government taxes levied on the ownership of real property. Also know as Real Estate Property Tax. Collected on URLA in Section V (Present / Proposed Housing Expense) and/or Section VI (Schedule of Real Estate). Rent: Periodic amount a tenant pays to a landlord for occupancy of a property. Expense if borrower pays. Collected on URLA in Section V (Present Expense - Rent). Utilities: Basic services associated with developed areas that include provisions for electricity, telephone, gas, water, and garbage collection. Collected on the URLA in Section VI (Schedule of Real Estate).
HUD Credit Alert Interactive Voice Response System Number	Number assigned by HUDs Credit Alert Interactive Voice Response System.	HUD	Underwriting Case	Underwriting	String
Income Source Type	Specifies the source of the borrowers indicated Income Type. Used for both current and prior employment.	URLA	Income	Underwriting	Enumerated: Primary: Secondary:
Income Taxable Indicator	Indicates whether the borrowers indicated Income Type is taxable. Used for both current and prior employment. Used by FHA / VA.	FHA	Income	Underwriting	Boolean
Income Type	Specifies the general names (types) of items commonly listed as income of the borrower in a mortgage loan transaction. Collected on the URLA in Section V (Gross Monthly Income).	URLA	Income	Secondary, Underwriting	Enumerated: Alimony: Periodic amount paid under terms of divorce decree/agreement. Income if borrower receives. Collected on the URLA in Section V (Monthly Income - Other). Base Income: For salaried positions, the monthly amount of salary (annual salary/12). For hourly positions, the income that would arise from 52 weeks of work at the usual and customary number of non-overtime hours per week / 12. Collected on the URLA in Section V (Monthly Income - Base). Bonus Income: Income derived from optional compensation paid out by employer, linked to employers overall performance and/or individual performance. Collected on the URLA in Section V (Monthly Income - Bonuses). Child Support: Periodic amount paid to provide for children after divorce or separation. Income if borrower receives. Collected on the URLA in Section V (Monthly Income - Other). Commissions: borrower income that is based upon a percentage of the goods or services the borrower sells (e.g., gross Realtor commission = 6%) Collected on the URLA in Section V (Monthly Income - Commissions). Dividends / Interest: Funds paid to owners of stocks or bonds by issuer of stock or bond. Collected on the URLA in Section V (Monthly Income - Dividends / Interest). Other Types of Income: Used in conjunction with a textual description of other types of income. Collected on the URLA in Section V (Monthly Income - Other). Overtime: Additional hourly compensation paid for work beyond the usual and customary work period. Collected on the URLA in Section V (Monthly Income - Overtime). Pension: Periodic amount paid by employer to persons who have retired from employer after attaining necessary term of service and other attributes. Collected on the URLA in Section V (Monthly Income). Proposed Gross Rent for Subject Property: The anticipated rent on the subject property if it is an investment property or if a 2-4 property where other units are rented. Public Assistance Income: Amount paid to borrower by state or local public assistance program. Collected on the URLA in Section V (Monthly Income). Real Estate Owned - Gross Rental Income : Periodic gross rents (before expenses) arising from a piece of real estate owned (or to be owned) by borrower. Collected on the URLA in Section VI (Schedule of Real Estate - Gross Rental Income). Social Security: In the US, monthly amount paid to recipients of OASI (Old Age and Survivors Insurance) commonly known as Social Security. Collected on the URLA in Section V (Monthly Income). Unemployment Compensation: Amount paid or payable to borrower from state or Federal unemployment insurance program. VA Benefits (Non-educational): Dollar amount of VA Benefits excluding education benefits available to a veteran borrower. Collected on the URLA in Section V (Monthly Income). Workmans Compensation: Amount paid or payable to borrower from Workmans Compensation Insurance program, usually for injuries that prevent borrower from working. Collected on the URLA in Section V (Monthly Income).
Information Contact Name	The unstructured name of the information contact employed by the lender.	Lender	Parties To Transaction	MI	String
Initial Note Rate Percent	The initial rate at which interest will accrue on the loan. Collected on the URLA in Section I (Interest Rate).	URLA	Product	MI, Underwriting	Numeric(8,7)
Initial Payment Rate Percent	The effective payment rate at which the borrower is making payments such as the effective first annual payment rate on a temporarily bought down loan.	Lender	Product	MI, Underwriting	Numeric(8,7)
Inquiring Party Name	The name of the party recording a credit inquiry with the credit data repository.	Credit Bureau	Credit	Credit Reporting	String
Inquiry Result Type	The result from a credit inquiry - did the lender offer credit, refuse credit, etc.	Credit Report	Credit	Credit Reporting	Enumerated: Account Closed: The account has been closed. Application Pending: Application for credit has been made - no decision made. Declined: The application for credit has been declined. Did Not Inquire: No credit inquiry was made by the listed party. No Open Acc