Logical data dictionary

Version 1.1
Generated on 3/20/01
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
fee is hereby granted in perpetuity, provided that the above copyright
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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

NameDescriptionSourceContextProcessesDatatype
Agency Case IdentifierThe 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).URLAApplicationUnderwritingString
Alimony Child Support Obligations IndicatorBorrowers declaration regarding obligations for alimony, child support, etc. Collected on the URLA in Section VIII line g.URLADeclarationsCredit Reporting, UnderwritingBoolean
Alimony Owed To NameThe 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).URLALiabilityUnderwritingString
Alterations Improvements and Repairs Conventional AmountThe 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.URLAApplicationUnderwritingMoney
Alterations Improvements and Repairs FHA/VA AmountThe 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.URLAApplicationUnderwritingMoney
Annual Percentage Rate PercentThe annual percentage rate (APR) for this loan.(not specified)(not specified)SecondaryNumeric
Application Interviewer Signed DateThe date on which the interviewer obtained HMDA information and signed the loan application. Collected on the URLA in Section X (Interviewers Signature Date).URLAParties to TransactionCredit Reporting, UnderwritingDate/Time
Application Taken Method TypeSpecifies the method used to take the application as determined by the interviewer. Collected on the URLA in Section X (This Application Was Taken By).URLAApplicationCredit Reporting, UnderwritingEnumerated:
  • 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 DateEffective date of the appraisal report on the subject property.ValuationAppraisalUnderwritingDate/Time
Appraisal Method TypeMethod used by the appraiser to arrive at the appraised value.ValuationAppraisalMI, UnderwritingEnumerated:
  • Automated Valuation Method:
  • Broker's Price Opinion:
  • Drive By:
  • Full Appraisal:
Appraisal Property Condition TypeIndicates status of property and conditions under which the appraiser estimated value.ValuationAppraisalMI, UnderwritingEnumerated:
  • As Is:
  • Subject to Completion per Plans and Specifications:
  • Subject To Repairs Alterations Inspections Or Conditions:
Appraiser License IdentifierState license number of the appraiser who completed the final estimate of value for the subject property.ValuationAppraisalMI, UnderwritingString
ARM Conversion Option IndicatorIndicates whether the adjustable rate mortgage (ARM) has the option to convert to a fixed rate mortgage.LPProductUnderwritingBoolean
ARM Index Current Value PercentThe 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.LPProductMI, UnderwritingNumeric(8,7)
ARM Index Margin PercentThe 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 interest rate in the manner described by the calculation method.LenderProductMI, UnderwritingNumeric(8,7)
ARM Index TypeSpecifies the type of index to be used to determine the interest rate at each adjustment.LPProductMI, UnderwritingEnumerated:
  • 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 PercentThe rate used to calculate the borrowers PITI to qualify the borrower for the subject mortgage for ARM loans.LenderProductMI, UnderwritingNumeric(8,7)
ARM Type DescriptionA free-form text field used to collect additional information or a description of the ARM program. Collected on the URLA in Section I (Amortization Type:ARM (type):).URLAApplicationApplication, UnderwritingString(30)
Arms Length IndicatorIndicates 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.LPUW CaseUnderwritingBoolean
Asset Account IdentifierA unique identifier of the borrowers asset. Collected on the URLA in Section VI (Assets).URLAAssetCredit Reporting, UnderwritingString
Asset Cash or Market Value AmountThe 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).URLAAssetCredit Reporting, MI, UnderwritingMoney
Asset Face Value AmountThe 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).URLAAssetCredit Reporting, UnderwritingMoney
Asset Net Cash Value AmountThe 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).URLAAssetCredit Reporting, UnderwritingMoney
Asset TypeSpecifies 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).URLAAssetCredit Reporting, MI, UnderwritingEnumerated:
  • 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).
  • Borrower Estimated Total Assets: The asset amount used by the lender to qualify the borrower for the loan.
  • 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 Vested Value AmountThe 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).URLAAssetCredit Reporting, UnderwritingMoney
Assumability IndicatorIndicates whether the loan is assumable by another borrower.LenderProductSecondary, UnderwritingBoolean
Automobile Make DescriptionA 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).URLAAssetCredit Reporting, UnderwritingString
Automobile Model YearA 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).URLAAssetCredit Reporting, UnderwritingDate/Time
Bankruptcy Past Seven Years IndicatorBorrowers answer to the question: Have you been declared bankrupt within the past 7 years? Collected on the URLA in Section VIII line b.URLADeclarationsCredit Reporting, Secondary, UnderwritingBoolean
Base Loan AmountThe 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.URLAApplicationFlood, MI, UnderwritingMoney
Basis for Loan Qualification TypeA 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.URLAApplicationUnderwritingEnumerated:
  • 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 borrowers 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 property state, or the borrower is relying on other property located in a community property state as a basis for repayment of the loan.
Below Market Subordinate Financing Provided IndicatorIndicates whether the seller provided below-market subordinate financing. LenderUW CaseUnderwritingBoolean
Borrowed Down Payment IndicatorBorrowers answer to the question: Is any of the down payment borrowed? Collected on the URLA in Section VIII line h.URLADeclarationsCredit Reporting, UnderwritingBoolean
Borrower Age at ApplicationThe age of the borrower at the time of application.URLABorrowerServicing, UnderwritingNumeric
Borrower Alias Account IdentifierA 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).URLABorrowerService ordering, Credit Reporting, UnderwritingString
Borrower Alias Creditor NameThe 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).URLABorrowerService ordering, Credit Reporting, UnderwritingString
Borrower Alias NameAny 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)URLABorrowerService ordering, Credit Reporting, UnderwritingString
Borrower Application Signed DateThe date that the borrower signed the loan application. Collected on the URLA in Section IX (Borrowers Signature Date).URLABorrowerCredit Reporting, UnderwritingDate/Time
Borrower Birth DateBorrowers date of birth. Collected in lieu of AGE in URLA, Section III, second line, third field.URLABorrowerService ordering, Credit Reporting, UnderwritingDate/Time
Borrower Canadian Social Insurance NumberThe Canadian Social Insurance Number associated with the borrower.URLABorrowerMI, UnderwritingNumeric
Borrower Dun and Bradstreet IdentifierThe DUNS number associated with the borrower if the borrower is a non-person entity.BorrowerBorrowerUnderwritingNumeric
Borrower Entity TypeDefines the borrower entity type.MI OrderMIMIEnumerated:
  • Non-Person:
  • Person:
Borrower Financed Conventional Discount Points AmountThe 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.LenderApplicationUnderwritingMoney
Borrower Financed FHA/VA Discount Points AmountThe 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.FHAFHA/VAUnderwritingMoney
Borrower First NameThe first name of the borrower. Collected on the URLA in Section III (Borrowers Name).URLABorrowerService ordering, Credit Reporting, Flood, MI, Secondary, UnderwritingString
Borrower First Time Homebuyer IndicatorIndicates 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.)LenderDeclarationsMI, Secondary, UnderwritingBoolean
Borrower Funding Fee PercentThe funding fee percentage due from the borrower. The fee is entered as a percentage.LenderUnderwriting CaseUnderwritingNumeric
Borrower Home Telephone NumberThe home telephone number of the borrower. Collected on the URLA in Section III (Home Phone).URLABorrowerCredit Reporting, UnderwritingString
Borrower Joint IdentifierThe identifier used to link applicants whose assets and liabilities are reported jointly on the loan application. It is recommended that the Borrower ID be used as the identifier.LenderBorrowerUnderwritingString
Borrower Last NameThe last name of the borrower. Collected on the URLA in Section III (Borrowers Name).URLABorrowerService ordering, Credit Reporting, Flood, MI, Secondary, UnderwritingString
Borrower Middle NameThe middle name of the borrower. Collected on the URLA in Section III (Borrowers Name).URLABorrowerService ordering, Credit Reporting, MI, UnderwritingString
Borrower Name SuffixThe name suffix of the borrower. (E.g., JR = Junior, SR = Senior, etc.) Collected on the URLA in Section III (Borrowers Name).URLABorrowerService ordering, Credit Reporting, MI, UnderwritingString
Borrower Paid Conventional Discount Points Total AmountThe total dollar amount of discount points that are paid by the borrower. Collected on the URLA in Section VII line h.URLAApplicationUnderwritingMoney
Borrower Paid FHA/VA Closing Costs AmountThe 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.FHAFHA/VAUnderwritingMoney
Borrower Paid FHA/VA Discount Points PercentThe discount points that the borrower will pay.Used for FHA and VA loans. Must be stated as a percentage of the loan amount.FHAFHA/VAUnderwritingNumeric(8,7)
Borrower Paid FHA/VA Discount Points Total AmountThe 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.FHAFHA/VAUnderwritingMoney
Borrower Requested Loan AmountThe 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.URLAApplicationMI, UnderwritingMoney
Borrower Residency TypeThis attribute, accompanying borrower residence data, qualifies it as either the current or prior borrowers residence.URLABorrowerService ordering, Credit Reporting, MI, Secondary, UnderwritingEnumerated:
  • Current: The borrowers current residence
  • Prior: The borrowers prior residence
Borrower Spouse IdentifierThe identifier used to link two borrowers who are married to each other. It is recommended that the Borrower ID be used as the identifier.LPBorrowerService ordering, Credit Reporting, UnderwritingString
Borrower Unfinanced Conventional Discount Points AmountThe 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.LenderApplicationUnderwritingMoney
Borrower Unfinanced FHA/VA Discount Points AmountThe 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.FHAFHA/VAUnderwritingMoney
Borrower Unparsed NameThe 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).URLABorrowerService ordering, Credit Reporting, UnderwritingString
Borrower USA Social Security NumberThe Social Security Number (SSN) associated with the borrower. Collected on the URLA in Section III (Social Security Number).URLABorrowerService ordering, Credit Reporting, MI, Secondary, UnderwritingNumeric
Borrower USA Tax Payer Identification NumberThe US Taxpayer Identification Number (TIN) associated with the borrower. The borrower may be either a person or a non-person entity.URLABorrowerService ordering, MI, UnderwritingNumeric
Building Status TypeSpecifies the physical status of the structure.ValuationAppraisalUnderwritingEnumerated:
  • Existing:
  • Proposed:
  • Subject to Alteration, Improvement, Repair and Rehabilitation:
  • Substantially Rehabilitated:
  • Under Construction:
Business Owned Net Worth AmountThe 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 StatementAssetCredit Reporting, UnderwritingMoney
Buy Price Effective DateThe date the buy price on a pool or loan becomes effective.SecondaryPool or LoanSecondaryDate/Time
Buy Price Expiration DateThe date the buy price expires on a pool or loan.SecondaryPool or LoanSecondaryDate/Time
Buy Price PercentPrice paid for a loan or pool, expressed as a percentage of the par value.SecondaryPool or LoanSecondaryNumeric
Buydown Contributor TypeSpecifies the source of the buydown funds.LenderProductMI, UnderwritingEnumerated:
  • Borrower:
  • Builder:
  • Employer:
  • Lender:
  • Non-parent Relative:
  • Parent:
  • Seller:
  • Unassigned:
  • Unrelated Friend:
Buydown Duration MonthsThe total number of months during which any buydown is in effect.LenderProductMI, UnderwritingNumeric
Buydown Initial Adjustment PercentThe percentage by which the buydown rate adjusts at the initial payment adjustment.LenderProductMI, UnderwritingNumeric(8,7)
Buydown Period To First Adjustment MonthsThe number of months from the first scheduled payment to first buydown adjustment.LenderProductMI, UnderwritingNumeric
Buydown Period To Subsequent Adjustment MonthsThe number of months between the subsequent buydown payment adjustments.LenderProductMI, UnderwritingNumeric
Buydown Permanent IndicatorIndicates whether the buydown is permanent.LenderProductUnderwritingBoolean
Buydown Rate PercentThe final bought down interest rate. The rate that the applicant will pay after the buydown is applied.LenderProductMI, UnderwritingNumeric(8,7)
Buydown Subsequent Adjustment PercentThe percentage by which the buydown rate adjusts at subsequent payment adjustments after the initial adjustment.LenderProductMI, UnderwritingNumeric(8,7)
Buydown Temporary Subsidy IndicatorIndicates 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.LenderProductMI, UnderwritingBoolean
Buydown Term MonthsThe total number of months over which the buydown occurs.LenderProductMI, UnderwritingNumeric
Case State TypeA description of the point in the loan origination process at which the loan is being sent.LPUW CaseUnderwritingEnumerated:
  • 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 IdentifierIdentifies census tract as defined by the U.S. Census Bureau where subject property is located.LenderSubject PropertyUnderwritingString
Child Support Owed To NameThe 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 LiabilityUnderwritingString
Citizenship Residency TypeSpecifies this borrowers current Immigration and Naturalization Service (INS) status. Collected on the URLA in Section VIII line j and line k.URLADeclarationsCredit Reporting, UnderwritingEnumerated:
  • Non-Permanent Alien:
  • Non-Resident Alien:
  • Permanent Resident Alien:
  • Unknown:
  • US Citizen:
Comaker Endorser of Note IndicatorBorrowers answer to the question: Are you a co-maker or endorser on a note? Collected on the URLA in Section VIII line i.URLADeclarationsService ordering, Credit Reporting, UnderwritingBoolean
Commitment Evaluation DateThe date the status of the commitment was evaluated.(not specified)(not specified)SecondaryDate/Time
Commitment Evaluation TypeHow often the commitment is to be tracked and evaluated.(not specified)(not specified)SecondaryEnumerated:
  • 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 DaysThe 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)SecondaryNumeric(3,0)
Commitment Extension Price(not specified)(not specified)(not specified)SecondaryString
Commitment Face Value AmountThe total face value of the commitment.(not specified)(not specified)SecondaryNumeric
Commitment Max Deliverable AmountThe 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)SecondaryNumeric(6,3)
Commitment Maximum Price PercentThe maximum adjusted price that will be paid for this commitment, expressed as a percentage of the CommitmentAmount.(not specified)(not specified)SecondaryNumeric(6,3)
Commitment Minimum Delivery AmountThe 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)SecondaryNumeric(6,3)
Commitment Next Evaluation DateThe date the commitment will next be evaluated.(not specified)(not specified)SecondaryDate/Time
Commitment Period Delivered AmountThe amount delivered for this commitment during this time period.(not specified)(not specified)SecondaryNumeric
Commitment Period Weighted Coupon RateThe weighted coupon rate for the loans delivered for this commitment during this time period.(not specified)(not specified)SecondaryNumeric(6,3)
Commitment Period Weighted Credit ScoreThe weighted credit score for all loans delivered during this period.(not specified)(not specified)SecondaryNumeric(3,0)
Commitment Purchase PriceThe price that will be paid for the commitment as specified, expressed as a percentage of the Commitment Amount.(not specified)(not specified)SecondaryNumeric(6,3)
Commitment Start DateThe date the commitment agreement commences.(not specified)(not specified)SecondaryDate/Time
Commitment Target Weighted Average Coupon RateThe target weighted average interest rate for this commitment.(not specified)(not specified)SecondaryNumeric(6,3)
Commitment Target Weighted Average Credit ScoreThe target weighted average credit score for this commitment.(not specified)(not specified)SecondaryNumeric(3,0)
Commitment Term DaysThe duration of the commitment in days.(not specified)(not specified)SecondaryNumeric(4,0)
Commitment Total Delivered AmountThe total delivered amount towards this commitment.(not specified)(not specified)SecondaryNumeric
Commitment Total Weighted Coupon RateThe total average weighted coupon rate for the delivered loans for this commitment.(not specified)(not specified)SecondaryNumeric(6,3)
Commitment Total Weighted Credit ScoreThe total weighted average credit score for the delivered loans for this commitment.(not specified)(not specified)SecondaryNumeric(3,0)
Commitment Undelivered AmountThe amount still remaining to be delivered for this commitment.(not specified)(not specified)SecondaryNumeric
Commitment Weighted Average Coupon Rate Quantization PercentThe 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)SecondaryNumeric(6,3)
Commitment Weighted Average Coupon Rate Variation PercentThe percentage modification to the fee paid for these loans per percentage point variation in the weighted average interest rate delivered.(not specified)(not specified)SecondaryNumeric(6,3)
Commitment Weighted Average Credit Score Quantization PercentThe quantization of weighted average credit score variance (in points) used when determining whether a fee variance needs to be applied.(not specified)(not specified)SecondaryNumeric(3,0)
Commitment Weighted Average Credit Score Variation PercentThe percentage modification to the fee paid for these loans per point of variation in the weighted average credit score delivered. (not specified)(not specified)SecondaryNumeric(6,3)
Community Reinvestment Act StatusIndicates whether either the borrower or the property for this loan falls under the Community Reinvestment Act (CRA)(not specified)(not specified)SecondaryEnumerated:
  • None: Not qualified under the CRA
Comparable Net Adjustment AmountThe sum of positive and negative adjustments to the sales price of a given comparable to derive indicated value of subject property.ValuationAppraisalUnderwritingMoney
Comparable Properties Exist IndicatorIndicates whether qualified comparable data values exist for the subject property.ValuationAppraisalUnderwritingBoolean
Comparable Property Unadjusted Sales Price AmountThe dollar amount of the sale price of a comparable property.ValuationAppraisalUnderwritingMoney
Construction Improvement Costs AmountThe 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 URLA in Section II (Construction Loan - Cost of Improvements.)URLASubject PropertyUnderwritingMoney
Construction Loan Treatment TypeSpecifies 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.LenderUW CaseUnderwritingEnumerated:
  • Purchase: Treat as a purchase.
  • Refinance: Treat as a refinance.
Contact NameThe name of individual acting as a contact for a party to the loan.MultipleIndividuals NameService ordering, Credit Reporting, Flood, MI, Secondary, UnderwritingString
Contact Point Preference IndicatorThis 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, Flood, MI, Secondary, UnderwritingBoolean
Contact Point Role TypeThis 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, Flood, MI, Secondary, UnderwritingEnumerated:
  • 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 TypeThis 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, Flood, MI, Secondary, UnderwritingEnumerated:
  • 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 ValueThis is the actual value of the Contact Point Type.Multiple(not specified)Service ordering, Credit Reporting, Flood, MI, Secondary, UnderwritingString
Contingent Liability IndicatorIndicates 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).BorrowerLiabilityUnderwritingBoolean
Counseling Confirmation TypeSpecifies the type of mortgage counseling or education program attended by one or more of the borrowers.LenderUW CaseUnderwritingEnumerated:
  • American Homeowner Education Institute Approved Counseling:
  • Lender Trained Counseling:
  • No Borrower Counseling:
  • Third Party Counseling:
Credit Business TypeThe credit repository bureaus can identify the type of business of the liability holder or the entity requesting a credit report as listed in a credit inquiry record. This information is needed for an automated scoring application. This data is available for liability and inquiry records from Equifax, Experian and Trans Union.Credit ReportCredit ReportingCredit ReportingEnumerated:
  • Advertising:
  • Automotive:
  • Banking:
  • Clothing:
  • Collection Services:
  • Contractors:
  • Department and Mail Order:
  • Employment:
  • Farm and Garden Supplies:
  • Finance:
  • Government:
  • Grocery:
  • Home Furnishing:
  • Insurance:
  • Jewelry and Camera:
  • Lumber and Hardware:
  • Medical and Health:
  • Miscellaneous and Public Record:
  • Oil and National Credit Cards:
  • Personal Services Not Medical:
  • Real Estate and Public Accommodation:
  • Sporting Goods:
  • Utilities and Fuel:
  • Wholesale:
Credit Error Message Source TypeSpecifies the source of an error message. Messages can come either from the credit data repository or the credit bureau.(not specified)CreditCredit ReportingEnumerated:
  • Credit Bureau:
  • Repository Bureau: The agency that stores and maintains the credit data files - Equifax, Experian, Trans Union.
Credit File Alert Message TextThe 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 BureauCreditCredit ReportingString
Credit File Alert Message TypeLists the name of the repository bureau service that generated the alert message.Credit Repository BureauCreditCredit ReportingEnumerated:
  • 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 YearsThe 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 BureauCreditCredit ReportingNumeric
Credit File Borrower Birth DateThe birthdate of the borrower reported in the credit file returned from the repository bureau. Credit Repository FileCreditCredit ReportingDate/Time
Credit File Borrower First NameThe first name of the borrower reported in the credit file returned from the repository bureau. Credit Repository BureauCreditCredit ReportingString
Credit File Borrower Last NameThe last name of the borrower reported in the credit file returned from the repository bureau. Credit Repository BureauCreditCredit ReportingString
Credit File Borrower Middle NameThe middle name of the borrower reported in the credit file returned from the repository bureau. Credit Repository BureauCreditCredit ReportingString
Credit File Borrower Name SuffixThe suffix name (JR, SR, III, etc.) of the borrower reported in the credit file returned from the repository bureau. Credit Repository BureauCreditCredit ReportingString
Credit File Borrower Unparsed NameThe full name of the borrower reported in the credit file returned from the repository bureau. Credit Repository BureauCreditCredit ReportingString
Credit File Borrower USA Social Security NumberThe Social Security Number (SSN) associated with the borrower reported in the credit file returned from the repository bureau. Credit Repository BureauCreditCredit ReportingNumeric
Credit File Comment TextAny type of additional comment or remark about the credit file.Credit ReportCreditCredit ReportingString
Credit File Consumer Comment TextThis consumer (borrower) comment is on file with the credit data repository and has been included with this credit file.Credit ReportCreditCredit ReportingString
Credit File Data Repository SourceThis element describes the source of the credit file - Equifax, Experian, or Trans Union).Credit ReportCreditCredit ReportingEnumerated:
  • Equifax:
  • Experian:
  • Other:
  • Trans Union:
Credit File Error MessageThis 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 BureauCreditCredit ReportingString
Credit File Infile DateThe Infile Date is the date that the credit data repository first established this credit data file on this borrower.Credit Repository BureauCreditCredit ReportingDate/Time
Credit File Owning Bureau IdentifierThe identification number of the credit bureau that owns or manages the credit file being referenced.Credit Repository BureauCreditCredit ReportingString
Credit File Unparsed Address DataThis 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 ReportCreditCredit ReportingString
Credit File Unparsed Employment DataThis 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 ReportCreditCredit ReportingString
Credit File Variation IndicatorThis 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 BureauCreditCredit ReportingEnumerated:
  • Different Address:
  • Different Birth Date:
  • Different Generation:
  • Different Last Name:
  • Different Name:
  • Different SSN:
Credit Inquiry Data Repository SourceThis 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 ReportCreditCredit ReportingEnumerated:
  • 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 DateThe date of the credit inquiry.Credit ReportCreditCredit ReportingDate/Time
Credit Liability Account Closed DateThe date that the credit liability account was closed by the liability holder (by either the borrower or the liability holder).Credit ReportCreditCredit ReportingDate/Time
Credit Liability Account IdentifierThe account number assigned to the liability account as provided by the credit repository bureau.Credit ReportCreditCredit ReportingString
Credit Liability Account Opened DateThe date that the credit liability account was opened by the liability holder.Credit ReportCreditCredit ReportingDate/Time
Credit Liability Account Ownership TypeDescribes 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 ReportCreditCredit ReportingEnumerated:
  • 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 DateThe date that the credit liability was reported paid to zero by the liability holder.Credit ReportCreditCredit ReportingString
Credit Liability Account Status DateThe 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 ReportCreditCredit ReportingDate/Time
Credit Liability Account Status TypeThis data element is an enumerated status list for an account as of the Account Status Date. Credit ReportCreditCredit ReportingEnumerated:
  • 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 TypeThis describes the type of account established with the Liability Account Holder - credit line, installment, mortgage, open, revolving).Credit ReportCreditCredit ReportingEnumerated:
  • Credit Line:
  • Installment:
  • Mortgage:
  • Open:
  • Revolving:
  • Unknown:
Credit Liability Balloon Payment AmountThe amount that will be due on the account in the form a lump sum balloon payment.Credit ReportCreditCredit ReportingMoney
Credit Liability Charge Off AmountThe amount charged off by a liability holder, usually for an account in collection.Credit ReportCreditCredit ReportingMoney
Credit Liability Collateral DescriptionA description of any collateral for the loan (for example, 97 Corvette).Credit ReportCreditCredit ReportingString
Credit Liability Comment TextAny type of comment or remark about the liability account.Credit ReportCreditCredit ReportingString
Credit Liability Consumer Dispute IndicatorThis element indicates whether or not the consumer (borrower) disputes information reported for this account and has filed a FCRA dispute form.Credit ReportCreditCredit ReportingBoolean
Credit Liability Credit Limit AmountThe current credit limit for the account as reported by the liability holder.Credit ReportCreditCredit ReportingMoney
Credit Liability Creditor NameName 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 ReportCreditCredit ReportingString
Credit Liability Current Delinquency Rating TypeThe liability accounts current rating (as of Date Reported) for how timely the borrower has been making payments on this account.Credit ReportCreditCredit ReportingEnumerated:
  • 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 SourceThis 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 ReportCreditCredit ReportingEnumerated:
  • 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 TypeThis is the accounts manner of payment rating for the associated Late Date.Credit ReportCreditCredit ReportingEnumerated:
  • 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 IndicatorThis element indicates whether or not the liability account contains adverse or derogatory information.Credit ReportCreditCredit ReportingBoolean
Credit Liability High Balance AmountThe highest balance recorded for the account by the liability holder.Credit ReportCreditCredit ReportingMoney
Credit Liability High Credit AmountThe highest credit limit established for the account by the liability holder. It could be higher than the current credit limit.Credit ReportCreditCredit ReportingMoney
Credit Liability Highest Delinquency AmountThe highest delinquent amount on the account as reported by the liability holder.Credit ReportCreditCredit ReportingMoney
Credit Liability Highest Delinquency DateThe date of the highest (worst) delinquency reported by the liability holder.Credit ReportCreditCredit ReportingDate/Time
Credit Liability Highest Delinquency RatingThe liability accounts highest (or worst) rating for how timely the borrower has been making payments on this account.Credit ReportCreditCredit ReportingEnumerated:
  • 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 DateThe date of last account activity (such as last charge or last payment)reported by the liability holder.Credit ReportCreditCredit ReportingDate/Time
Credit Liability Late 120 Days CountThe number of times the liability account was reported 120 days late by the liability holder.Credit ReportCreditCredit ReportingNumeric
Credit Liability Late 150 Days CountThe number of times the liability account was reported 150 days late by the liability holder.Credit ReportCreditCredit ReportingNumeric
Credit Liability Late 180 Days CountThe number of times the liability account was reported 180 days late by the liability holder.Credit ReportCreditCredit ReportingNumeric
Credit Liability Late 30 Days CountThe number of times the liability account was reported 30 days late by the liability holder.Credit ReportCreditCredit ReportingNumeric
Credit Liability Late 60 Days CountThe number of times the liability account was reported 60 days late by the liability holder.Credit ReportCreditCredit ReportingNumeric
Credit Liability Late 90 Days CountThe number of times the liability account was reported 90 days late by the liability holder.Credit ReportCreditCredit ReportingNumeric
Credit Liability Late DateLists the date (month and year) that the borrower was late on payments. The associated Late Rating element gives the rating for that date.Credit ReportCreditCredit ReportingDate/Time
Credit Liability Loan TypeThis element contains an enumerated list of common loan types. If the loan type is Other, then the description is entered into the Other Credit Loan Type Description element.Credit ReportCreditCredit ReportingEnumerated:
  • 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 IndicatorThis element indicates whether or not the data in the liability account has been manually updated by the credit bureau based on an investigation.Credit ReportCreditCredit ReportingBoolean
Credit Liability Monthly Payment AmountThe 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 ReportCreditCredit ReportingMoney
Credit Liability Months Reviewed CountThe number of months of account history reported by the liability holder. This is the period over which Late Counts are accumulated.Credit ReportCreditCredit ReportingNumeric
Credit Liability Most Recent Delinquency AmountThe most recent amount that the borrower was reported delinquent by the liability holder.Credit ReportCreditCredit ReportingMoney
Credit Liability Most Recent Delinquency DateThe date of the most recent delinquency reported by the liability holder.Credit ReportCreditCredit ReportingDate/Time
Credit Liability Most Recent Delinquency RatingThe liability accounts most recent delinquency rating for how timely the borrower has been making payments on this account.Credit ReportCreditCredit ReportingEnumerated:
  • 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 NameWhen a liability account has been transferred or is being handled by a collection agency, this element indicates the name of original creditor.Credit ReportCreditCredit ReportingString
Credit Liability Past Due AmountThe amount that the borrower is currently past due as reported by the liability holder.Credit ReportCreditCredit ReportingMoney
Credit Liability Payment Pattern DataThis 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 ReportCreditCredit ReportingString
Credit Liability Payment Pattern Start DateThe date of the beginning of the data in the Credit Liability Payment Pattern Data.Credit ReportCreditCredit ReportingDate/Time
Credit Liability Reported DateThe date that the credit liability data was reported by the liability holder.Credit ReportCreditCredit ReportingDate/Time
Credit Liability Term MonthsThe total number of months established as terms for repayment of a loan.Credit ReportCreditCredit ReportingNumeric
Credit Liability Terms Calculated Or Provided IndicatorThis enumerated element indicates whether the monthly payment terms amount was provided by the repository bureau, or calculated by the credit bureau. Credit ReportCreditCredit ReportingEnumerated:
  • 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 DescriptionA text description for the loan terms (for example, 360 months at $820 per month).Credit ReportCreditCredit ReportingString
Credit Liability Unpaid Balance AmountThe balance owed on a liability account as of the Date Reported by a repository bureau or credit bureau.Credit ReportCreditCredit ReportingMoney
Credit Public Record Attorney NameThe name of the attorney (normally the plaintiff) reported in the public record.Credit ReportCreditCredit ReportingString
Credit Public Record Bankruptcy Assets AmountThe amount of the defendants declared assets at the time of bankruptcy.Credit ReportCreditCredit ReportingMoney
Credit Public Record Bankruptcy Liabilities AmountThe amount of the defendants declared liabilities at the time of bankruptcy.Credit ReportCreditCredit ReportingMoney
Credit Public Record Comment TextAny type of comment or remark about the public record.Credit ReportCreditCredit ReportingString
Credit Public Record Consumer Dispute IndicatorThis element indicates whether or not the consumer (borrower) disputes information reported for this public record and has filed a FCRA dispute form.Credit ReportCreditCredit ReportingBoolean
Credit Public Record Court NameThe name of the court reporting the public record.Credit ReportCreditCredit ReportingString
Credit Public Record Data Repository SourceThis 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 ReportCreditCredit ReportingEnumerated:
  • 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 NameThe name of the defendant in a public record.Credit ReportCreditCredit ReportingString
Credit Public Record Derogatory Data IndicatorThis element indicates whether or not the public record contains adverse or derogatory information.Credit ReportCreditCredit ReportingBoolean
Credit Public Record DispositionThis 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 ReportCreditCredit ReportingEnumerated:
  • 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 DateThis element provides the date that the Public Record Disposition Type first became effective.Credit ReportCreditCredit ReportingDate/Time
Credit Public Record Docket IdentifierThe Docket Number or Case Number assigned to the Public Record by the court.Credit ReportCreditCredit ReportingString
Credit Public Record Filed DateThe date that the public record was filed by the court.Credit ReportCreditCredit ReportingDate/Time
Credit Public Record Legal Obligation AmountThis is the amount listed in the public record that the defendant is obligated to pay.Credit ReportCreditCredit ReportingMoney
Credit Public Record Manual Update IndicatorThis element indicates whether or not the data in the public record has been manually updated by the credit bureau based on an investigation.Credit ReportCreditCredit ReportingBoolean
Credit Public Record Paid DateThe date that the Legal Obligation Amount was paid to zero.Credit ReportCreditCredit ReportingDate/Time
Credit Public Record Payment FrequencyThis element indicates the frequency of payments allowed for the Legal Obligation Amount.Credit ReportCreditCredit ReportingEnumerated:
  • Lump Sum:
  • Monthly:
  • Other:
  • Unknown:
  • Weekly:
  • Yearly:
Credit Public Record Plaintiff NameThe name of the plaintiff in a public record.Credit ReportCreditCredit ReportingString
Credit Public Record Reported DateThe date that the public record data was last reported by the court to the credit repository bureau.Credit ReportCreditCredit ReportingDate/Time
Credit Public Record Settled DateThe date that the public record case was settled.Credit ReportCreditCredit ReportingDate/Time
Credit Public Record TypeThis 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 ReportCreditCredit ReportingEnumerated:
  • 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:
  • Real Estate Recording:
  • Repossession:
  • Support Debt:
  • Tax Lien - City:
  • Tax Lien - County:
  • Tax Lien - Federal:
  • Tax Lien - Other:
  • Tax Lien - State:
  • Trusteeship:
  • Unknown:
  • Unlawful Detainer:
Credit Report Comment TextAny type of additional comment or remark about the credit report, that is included by the credit bureau.Credit ReportCreditCredit ReportingString
Credit Report Consumer Comment TextThis 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 ReportCreditCredit ReportingString
Credit Report Error MessageThis 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 ReportCreditCredit ReportingString
Credit Report First Issued DateDate and time the referenced credit report was first issued.Credit ReportCreditCredit ReportingDate/Time
Credit Report IdentifierA 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 ReportCreditCredit ReportingString
Credit Report Last Updated DateThe date and time that the referenced credit report was last updated or revised.Credit ReportCreditCredit ReportingDate/Time
Credit Report Merge Type IndicatorThis element indicates how duplicate data from multiple sources is handled on a credit report.Credit Report, Service RequestCreditCredit ReportingEnumerated:
  • 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 AmountThe price of the credit report produced on the borrower(s).Credit ReportCreditCredit ReportingMoney
Credit Report Price TypeThis describes the type of the Credit Report Price (Net, Tax, Total or Other)Credit ReportCreditCredit ReportingEnumerated:
  • 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 IdentifierThe reference number associated with a credit report. If previously retrieved, the reference number of the previously retrieved report.Credit BureauCreditCredit Reporting, UnderwritingString
Credit Report Request ActionSelect 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 RequestCreditCredit ReportingEnumerated:
  • 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 SummaryAny type of additional summary data that is provided by the credit bureauCredit ReportCreditCredit ReportingString
Credit Report TypeThe 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 RequestCredit, Service OrderingCredit ReportingEnumerated:
  • 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 CountThis 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 RequestCreditCredit ReportingNumeric
Credit Repository Equifax IncludedThis element indicates whether Equifax is included in either the request or response.Credit ReportCreditCredit ReportingBoolean
Credit Repository Experian IncludedThis element indicates whether Experian is included in either the request or response.Credit ReportCreditCredit ReportingBoolean
Credit Repository Prentice Hall Included IndicatorThis element indicates whether Prentice Hall is included in either the request or response.Credit ReportCreditCredit ReportingBoolean
Credit Repository Trans Union Included IndicatorThis element indicates whether Trans Union is included in either the request or response.Credit ReportCreditCredit ReportingBoolean
Credit Request TypeThe Credit Request Type specifies either an Individual Report on one person, or a Joint Report on two married persons.Credit RequestCreditCredit ReportingEnumerated:
  • Individual: Credit Report on a single individual
  • Joint: A combined credit report on two married persons
Credit Score Data Repository Source TypeThis 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 ReportCreditCredit Reporting, UnderwritingEnumerated:
  • Equifax:
  • Experian:
  • Merged Data:
  • Other:
  • Trans Union:
Credit Score DateDate that the referenced credit score was produced.Credit BureauCreditCredit Reporting, UnderwritingDate/Time
Credit Score Exclusion Reason TypeAn enumerated list of reasons why a credit score could not be generated.Credit ReportCreditCredit ReportingEnumerated:
  • InvalidScoreRequest:
  • NotScoredCreditDataNotAvailable:
  • NotScoredFileIsUnderReview:
  • NotScoredFileTooLong:
  • NotScoredInsufficientCredit:
  • NotScoredNoQualifyingAccount:
  • NotScoredNoRecentAccountInformation:
  • NotScoredSubjectDeceased:
  • ScoringNotAvailable:
  • UnauthorizedScoreRequest:
Credit Score Factor DescriptionThe text remarks associated with a Credit Score FactorCredit ReportCreditCredit ReportingString
Credit Score Factor IdentifierFactors 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 BureauCreditCredit Reporting, MI, UnderwritingString
Credit Score Model NameIdentifies the score algorithm model name used to produce the referenced credit risk score.Credit BureauCreditCredit Reporting, MI, UnderwritingEnumerated:
  • 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 MarketMax: Equifax predictive score for no-hit or thin files
  • Equifax Mortgage Score: A custom risk score model from Equifax specifically for assessing mortgage loan risk.
  • Equifax Pinnacle: Equifax risk score developed by Fair Isaac, that utilizes expanded segmentation to analyze degrees of delinquency history.
  • 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.
  • Other: Used when Score Model Name is not in the enumerated list.
  • 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 ValueNumeric credit score resulting from credit evaluation model.Credit BureauCreditCredit Reporting, MI, Secondary, UnderwritingNumeric
Current Combined Loan To Value RatioThe current combined loan-to-value ratio for all liens on the property, expressed as a ratio.(not specified)(not specified)SecondaryNumeric
Current Employment IndicatorThis element is an indicator that tells whether the associated employment is current or not using an Y/N indicator.URLAEmploymentCredit Reporting, UnderwritingBoolean
Current First Mortgage Holder TypeSpecifies the investor holding the first mortgage that is being refinanced.LenderUW CaseUnderwritingEnumerated:
  • Fannie Mae:
  • Freddie Mac:
  • Other Investor:
  • Unknown:
Current Interest RateThe current interest rate for this loan.(not specified)(not specified)SecondaryNumeric
Current Loan To Value RatioThe current loan to value ratio for the loan, expressed as a ratio.(not specified)(not specified)SecondaryNumeric
Current Payment RateThe current payment rate for this loan.(not specified)(not specified)SecondaryNumeric
Dependent CountThe number of dependents disclosed by the borrower. Collected on the URLA in Section III (Dependents No.).URLABorrowerCredit Reporting, UnderwritingNumeric
Dependents Ages Comma Separated ListThe 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).URLABorrowerCredit Reporting, UnderwritingString
Down Payment AmountThe dollar amount of the borrowers Down Payment Type. Collected on the URLA in Section II (Source of Down Payment).URLAApplicationMI, UnderwritingMoney
Down Payment Option TypeSpecifies the type of option used to facilitate the borrowers down payment.MI OrderApplicationMI, UnderwritingEnumerated:
  • 3/2 Option:
  • 5% Option:
Down Payment Source DescriptionA 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.URLAApplicationUnderwritingString
Down Payment TypeSpecifies 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).URLAApplicationMI, UnderwritingEnumerated:
  • 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:
Employer Business Type DescriptionAn expanded description of the borrowers employment type of business. Collected on the URLA in Section IV (Type of Business).URLAEmploymentCredit Reporting, UnderwritingString
Employer Telephone NumberThe telephone number of the employer. Collected on the URLA in Section IV (Business Phone).URLAEmploymentCredit Reporting, UnderwritingString
Employment Borrower Self-Employment IndicatorIndicates that in the referenced employment the borrower is self-employed. Collected on the URLA in Section IV (Self Employed Check Box).URLAEmploymentCredit Reporting, MI, Secondary, UnderwritingBoolean
Employment End DateThe end date for the borrowers employment. Collected on the URLA in Section IV (Dated To). URLAEmploymentCredit Reporting, UnderwritingDate/Time
Employment Position DescriptionAn expanded description of the borrowers employment position. Collected on the URLA in Section IV.URLAEmploymentCredit Reporting, UnderwritingString
Employment Position TitleAn expanded description of the borrowers employment title. Collected on the URLA in Section IV (Title).URLAEmploymentCredit Reporting, UnderwritingString
Employment Start DateThe start date for the borrowers employment. Collected in lieu of Years On Job which is on the URLA in Section IV (Years on Job). Used to calculate the Years on Job.URLAEmploymentCredit Reporting, Secondary, UnderwritingDate/Time
Employment Time in Line of Work MonthsThe total number of months the borrower has been employed in their occupation. Collected on the URLA in Section IV (Years Employed In This Line of Work).URLAEmploymentCredit Reporting, Secondary, UnderwritingNumeric
Escrow BalanceThe balance or credit amount in the escrow accounts for this loan.(not specified)(not specified)SecondaryNumeric
Escrow Waiver IndicatorIndicates whether the lender will waive the borrowers escrow deposits.LenderApplicationUnderwritingBoolean
Estimated Conventional Closing Costs AmountThe 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.URLAApplicationMI, UnderwritingMoney
Estimated FHA Closing Costs AmountThe 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.URLAFHA/VAUnderwritingMoney
Fannie Mae Affordable Program IdentifierIdentifies Fannie Maes unique identifier used to specify the affordable mortgage product being financed.LPUW CaseUnderwritingString
Fannie Mae Borrower Credit RatingA code supplied by Fannie Mae that corresponds to the borrowers credit history.Fannie MaeUnderwriting CaseUnderwritingString
Fannie Mae Community Seconds IndicatorIndicates whether the loan is a Fannie Mae Community Seconds.LenderUnderwriting CaseUnderwritingBoolean
Fannie Mae Neighbors Mortgage Eligibility IndicatorIndicates whether the loan is eligible to be a Fannie Mae Neighbors mortgage.LenderUnderwriting CaseUnderwritingBoolean
Fannie Mae Product Plan IdentifierA number unique to Fannie Mae that identifies the varying loan payment / rate exchange characteristics of variable rate mortgages. Fannie MaeUnderwriting CaseUnderwritingString
Fannie Mae Project Code IdentifierFannie Mae code identifying type of project or condominium classification for the subject property.Fannie MaeProjectUnderwritingString
FHA Alimony Liability Treatment TypeIdentifies how the borrower or lender prefers that the judgment process treat alimony in an FHA transaction.LenderFHA/VAUnderwritingEnumerated:
  • 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 PercentIndicates the percentage of the renewal mortgage insurance premiums for FHA loans.FHAFHA/VAUnderwritingNumeric(8,7)
FHA Mortgage Credit Certificate AmountThe 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.LenderUnderwriting CaseUnderwritingMoney
FHA Refinance TypeIndicates the amount of documentation for no cash out refinance loans.LenderUnderwriting CaseUnderwritingEnumerated:
  • Full Documentation (Conventional, FHA or VA):
  • Interest Rate Reduction Refinance Loan (FHA and VA):
FHA/VA Approved Condominium/Cooperative IndicatorIndicates whether HUD or VA approves a condominium or cooperative.FHA/VAProjectUnderwritingBoolean
FHA/VA Originator IdentifierThe FHA or VA assigned number of the originator of the loan.LPFHA/VAUnderwritingString
FHA/VA Underwriter Computerized Homes Underwriting System IdentifierThe DE underwriter authorized to approve the loan on behalf of the FHA.LPFHA/VAUnderwritingString
First Payment Adjustment MonthsThe number of the month in which the first payment adjustment occurs. If the subject mortgage can change by means other than a rate adjustment.LenderProductMI, UnderwritingNumeric
First Rate Adjustment MonthsThe number of the month in which the first payment rate occurs. If the interest rate on the subject loan can change.LenderProductMI, UnderwritingNumeric
Freddie Mac Affordable Program IdentifierIdentifies Freddie Macs unique identifier used to specify the affordable mortgage product being financed.LPUW CaseUnderwritingString
Freddie Mac Cash Out Refinance IndicatorIndicates if the loan is a Freddie Mac Cash Out Refinance. LPLP TransUnderwritingBoolean
Freddie Mac Offering IdentiferUsed by Loan Prospector to identify the specific type of product offering. LPLP TransUnderwritingString
Freddie Mac Project Code IdentifierFreddie Mac code identifying type of project or condominium classification for the subject property.Freddie MacProjectUnderwritingString
Freddie Mac Refinance Loan IdentifierUsed by Freddie Macs Loan Prospector to identify the special types of refinance mortgages.LPLP TransUnderwritingString
Freddie Mac Secondary Financing IdentifierSpecifies a Freddie Mac classification of the predominant type of secondary financing on the mortgage. Used for affordable housing products.LPLP Trans UnderwritingString
Gender TypeThe borrowers or interviewers statement about the borrowers gender. Collected on the URLA in Section X (Sex).URLADeclarationsMI, UnderwritingEnumerated:
  • 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 AmountThe 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 depositedLPUW CaseUnderwritingMoney
Guarantor Fee PercentageThe guarantor fee, expressed as a percentage, for this loan.(not specified)(not specified)SecondaryNumeric
HELOC Maximum Balance AmountThe 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.LenderLiabilityUnderwritingMoney
HELOC Maximum Payment AmountThe maximum dollar amount of the potential monthly payment that the borrower must make on a Home Equity Line of Credit (HELOC).LenderLiabilityUnderwritingMoney
HELOC Twelve Month Draw AmountThe dollar amount the borrower has drawn on a Home Equity Line of Credit (HELOC) in previous 12 months.LenderLiabilityUnderwritingMoney
Homeowner Past Three Years IndicatorBorrowers 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.URLADeclarationsCredit Reporting, UnderwritingBoolean
Housing Expense Payment AmountThe dollar amount per month of the borrowers housing expense type. May be used for their primary or non-primary residence or for the subject property. Collected on the URLA in Section VI (Schedule of Real Estate Owned.)URLAExpenseMI, Secondary, UnderwritingMoney
Housing Expense Residence TypeSpecifies the type of residence associated with the housing expense type.URLAExpenseMI, Secondary, UnderwritingEnumerated:
  • Borrower Non-Primary Residence Present Housing: The amount per month of the borrowers present housing expense type for their non-primary residence. Collected on the URLA in Section VI (Schedule of Real Estate Owned.)
  • Borrower Primary Residence Present Housing: The amount per month of the borrowers present housing Expense Type for their primary residence. Collected on the URLA in Section V (Monthly Housing Expense - Present).
  • Subject Property Proposed: The amount per month of the proposed housing Expense Type for the subject property.
Housing Expense TypeSpecifies 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.URLAExpenseUnderwritingEnumerated:
  • 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 NumberNumber assigned by HUDs Credit Alert Interactive Voice Response System.HUDUnderwriting CaseUnderwritingString
Income AmountThe dollar amount per month of the borrowers Income Type (e.g., job base salary). URLAIncomeCredit Reporting, MI, Secondary, UnderwritingMoney
Income Source TypeSpecifies the source of the borrowers indicated Income Type. Used for both current and prior employment.URLAIncomeCredit Reporting, UnderwritingEnumerated:
  • Primary:
  • Secondary:
Income Taxable IndicatorIndicates whether the borrowers indicated Income Type is taxable. Used for both current and prior employment. Used by FHA / VA.FHAIncomeUnderwritingBoolean
Income Time TypeDescribes the time frame for the associated income type.(not specified)IncomeCredit Reporting, MI, Secondary, UnderwritingEnumerated:
  • Current: The amount per month of the borrowers current (vs. priorr or future) Income Type.
  • Prior: The amount per month of the borrowers previous (vs. current or future) Income Type.
Income TypeSpecifies 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)and Section VI (Schedule of Real Estate Owned). URLAIncomeCredit Reporting, MI, Secondary, UnderwritingEnumerated:
  • 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).
  • Borrower Estimated Total Monthly Income: The borrower monthly income amount used by the lender to qualify the borrower for the loan.
  • 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).
  • Workers Compensation: Amount paid or payable to borrower from Workmers Compensation Insurance program, usually for injuries that prevent borrower from working. Collected on the URLA in Section V (Monthly Income).
Initial Interest Rate PercentThe initial rate at which interest will accrue on the loan.(not specified)(not specified)MINumeric(8,7)
Initial Payment Rate PercentThe effective payment rate at which the borrower is making payments such as the effective first annual payment rate on a temporarily bought down loan.LenderProductMI, UnderwritingNumeric(8,7)
Inquiring Party NameThe name of the party recording a credit inquiry with the credit data repository.Credit BureauCreditCredit ReportingString
Inquiry Result TypeThe result from a credit inquiry - did the lender offer credit, refuse credit, etc.Credit ReportCreditCredit ReportingEnumerated:
  • 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 Account: There is no account open with the listed party.
  • Not a Lender: The listed party is not a lender.
  • Open Discovered: An account has been opened with the listed party.
  • Open, Account Number Not Issued: An account has been opened, but an account number has not been issued.
  • Open, Primary Account: An account has been opened.
  • Reporting Agency Inquiry: The listed inquiry was posted by a credit reporting agency.
  • Unknown: The inquiry result is unknown.
Intent To Occupy IndicatorBorrowers answer to the question: Do you intend to occupy the property as your primary residence? Collected on the URLA in Section VIII line l.URLADeclarationsMI, UnderwritingBoolean
Interest Accrues DailyFlag indicating that interest accrues daily for this loan.(not specified)(not specified)SecondaryBoolean
Internal Account IdentifierThe account number or identifier assigned by a service provider to a service requestor. The Internal Account Identifier is supplied with request transactions to allow the service provider to identify the billing account to be used.RequestsService OrderingService ordering, Credit Reporting, FloodString
Interviewers Telephone NumberThe telephone number of the interviewer who took the loan application. Collected on the URLA in Section X (Interviewers Phone Number).URLAParties to TransactionCredit Reporting, UnderwritingString
Is Section 32Indicates whether Section 32 documentation is required for this loan.(not specified)(not specified)SecondaryBoolean
Joint Asset and Liability Reporting TypeA statement made by two borrowers on a single loan application indicating whether their reporting of assets and liabilities is being completed jointly or not jointly. Collected on the URLA in Section VI (Completed Jointly / Not Jointly - Check Box).URLAApplicationUnderwritingEnumerated:
  • Jointly: 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.
  • Not Jointly: Assets and liabilities are sufficiently separate and are being reported as such for the co-borrowers.
Key NameA generic placeholder to add key descriptions in transactions. (not specified)Service OrderService ordering, Credit Reporting, MIString
Key ValueA generic placeholder for a value to be associated with a key description for a transaction exchange.(not specified)Service OrderService ordering, Credit Reporting, MIString
Late Charge Grace PeriodThe grace period in days for this loan before a late charge will be applied.(not specified)(not specified)SecondaryNumeric
Lender Case IdentifierNumber used by the Lender to identify a loan. Collected on the URLA in Section I (Lender Case Number).URLAApplicationCredit Reporting, Flood, MI, UnderwritingString
Lender Registration IdentifierA tracking number, used by Loan Prospector, assigned by the wholesale lender to identify the loan for pipeline management.LPLP TransUnderwritingString
Lenders Branch IdentifierThe lenders identification code for the branch number associated with the loan.LenderParties To TransactionFlood, MI, UnderwritingString
Lenders Contact Alternate Telephone NumberThe alternate telephone number of the lenders contact.LenderParties To TransactionCredit Reporting, UnderwritingString
Lenders Contact Fax NumberThe fax number of the lenders contact.LenderParties To TransactionCredit Reporting, Flood, MI, UnderwritingString
Lenders Contact Primary Telephone NumberThe primary telephone number of the lenders contact.LenderParties To TransactionCredit Reporting, Flood, MI, UnderwritingString
Liability Account IdentifierA unique identifier of a borrowers liability. Collected on the URLA in Section VI (Liabilities).URLALiabilityCredit Reporting, UnderwritingString
Liability Exclusion IndicatorIndicates whether the liability is to be excluded from inclusion in calculations associated with processing the loan.LenderLiabilityUnderwritingBoolean
Liability Exclusion Reason TypeSpecifies the reason that a liability is to be excluded from inclusion in calculations associated with processing the loan.LenderLiabilityUnderwritingEnumerated:
  • Already Paid:
  • Duplicate:
  • Other Parties Obligation:
Liability Monthly Payment AmountThe dollar amount of the monthly payment required on borrowers Liability Type. Collected on the URLA in Section VI (Liabilities - Monthly Payment).URLALiabilityCredit Reporting, MI, UnderwritingMoney
Liability Payoff Status IndicatorIdentifies whether the liability will be paid at or before closing. Collected on the URLA in Section VI (Liabilities - Indicated By *).URLALiabilityCredit Reporting, UnderwritingBoolean
Liability Remaining Term MonthsThe number of months the borrower must make payments in order to satisfy the identified liability. Collected on the URLA in Section VI (Liabilities - Mos. Left to Pay).URLALiabilityCredit Reporting, UnderwritingNumeric
Liability TypeSpecifies the general names (types) of items commonly listed as liabilities of the borrower in a mortgage loan transaction. Collected on the URLA in Section VI (Liabilities).URLALiabilityCredit Reporting, MI, UnderwritingEnumerated:
  • Alimony: Periodic amount paid under terms of divorce decree/agreement. Collected on the URLA in Section VI (Liabilities).
  • Borrower Estimated Total Monthly Liability Payment: The borrower monthly liability amount used by the lender to qualify the borrower for the loan.
  • Child Care: Periodic costs of providing care for having the borrowers dependents. Collected on the URLA in Section VI (Liabilities - Job Related Expenses.)
  • Child Support: Periodic amount paid to provide for children after divorce or separation. Collected on the URLA in Section VI (Liabilities - Alimony).
  • Collections, Judgments, and Liens: Lien upon the property of a debtor resulting from a decree of the court.
  • Delinquent Taxes: Amount of local, state or federal taxes that are past due and not paid
  • Federal Tax: Amount of tax payable to the US Government.
  • Garnishments: A notice to an employer or other asset holder that monies, wages, or property of a debtor must be applied to a specific debt or creditor.
  • Home Equity Line of Credit (HELOC) REO Property: A mortgage loan, which is usually in a subordinate position, that allows the borrower to obtain multiple advances of the loan proceeds at his or her own discretion, up to an amount that represents a specified percentage of the borrowers equity in a REO property. Collected on the URLA in Section VI (Liabilities).
  • Home Equity Line of Credit (HELOC) Subject Property: A mortgage loan, which is usually in a subordinate position, that allows the borrower to obtain multiple advances of the loan proceeds at his or her own discretion, up to an amount that represents a specified percentage of the borrowers equity in the subject property. Collected on the URLA in Section VI (Liabilities).
  • Installment: Borrowed money repaid in several successive payments, usually at regular intervals, for a specific amount & a specified term. Collected on the URLA in Section VI (Liabilities).
  • Job Related Expenses: Ongoing obligations incurred by the borrower which are prerequisite to retaining employment (e.g., professional associations, special uniforms or tools, etc.) Collected on the URLA in Section VI (Liabilities - Job Related Expenses)
  • Lease Payments: Collected on the URLA in Section VI (Liabilities).
  • Local Tax: Tax levied on borrowers income by a local entity (e.g., city, county, but not state or US Government.)
  • Mortgage Loan on Real Estate Owned: A closed ended lien secured against an REO property that may be in a first or subordinate lien position. Collected on the URLA in Section VI (Liabilities).
  • Mortgage Loan on Subject Property: A closed ended lien secured against the subject property that may be in a first or subordinate lien position. Collected on the URLA in Section VI (Liabilities)
  • Open / 30 Day Charge Account: Collected on the URLA in Section VI (Liabilities).
  • Other Liability: Used in conjunction with a textual description of other types of liabilities.
  • Revolving: Open lines of credit, which are subject to variable payments in accordance with the balance. Credit cards are examples of revolving credit. Collected on the URLA in Section VI (Liabilities).
  • Separate Maintenance Expense: Periodic amount paid under terms of separation agreement. Collected on the URLA in Section VI (Liabilities - Alimony.)
  • Social Security Tax: The amount of FICA withheld from or owed on income earned by a borrower. Used for VA loans.
  • State Tax: Tax levied on borrowers income by a state (e.g., state of New York, but not city, county, or US Government.)
  • Union Dues: Union membership dues borrower incurs as a condition of remaining employment through union (e.g., a closed shop). Collected on the URLA in Section VI (Liabilities - Job Related Expenses.)
  • Unsecured Home Improvement Loan - Installment:
  • Unsecured Home Improvement Loan - Revolving:
Liability Unpaid Balance AmountThe dollar amount of the current outstanding balance on borrowers Liability Type. Collected on the URLA in Section VI (Liabilities - Unpaid Balance).URLALiabilityCredit Reporting, UnderwritingMoney
Lien Priority TypeSpecifies the lien priority of the subject loan on the subject property.LenderUW CaseFlood, MI, Secondary, UnderwritingEnumerated:
  • First Lien: A mortgage that gives the mortgagee a security right over all other mortgages of the mortgaged property.
  • Fourth Lien:
  • Other:
  • Second Lien:
  • Third Lien:
Loan Actual Closing DateThe actual closing date of the loan.NoteMIMIDate/Time
Loan Amortization Term MonthsThe number of months used to compute the fully amortized payment. URLAProductMI, Secondary, UnderwritingNumeric
Loan Amortization TypeSpecifies the type of payment stream. Collected on the URLA in Section I (Amortization Type).URLAProductMI, Secondary, UnderwritingEnumerated:
  • Adjustable Rate: A mortgage that allows the lender to adjust the interest rate in accordance with a specified index periodically.
  • Fixed: A mortgage in which the interest rate and payments remain the same for the life of the loan.
  • Graduated Payment Mortgage (GPM): A type of flexible payment mortgage where the payments increase for a specified period of time and then level off. Usually involves negative amortization.
  • Growing Equity Mortgage: A graduated payment mortgage in which increases in a borrower’s mortgage payments are used to accelerate reduction of principal on the mortgage. Due to increased payment, the borrower acquires equity more rapidly and retires the debt earlier.
  • Other Amortization Type: Used to describe the amortization type if it is other than those specified on the URLA.
  • Start Up:
Loan Cash OutThe amount of cash turned over to the borrower for this loan.(not specified)(not specified)SecondaryNumeric
Loan Documentation TypeSpecifies the extent or level of the documentation being collected to process and underwrite the loan.LPUW CaseSecondary, UnderwritingEnumerated:
  • Full Documentation:
  • No Deposit Verification:
  • No Deposit Verification, Employment Verification, or Income Verification:
  • No Documentation:
  • No Employment Verification or Verification of Income: A verification of employment is a form that requests and secures documentation on a mortgage applicant’s work history and /or occupation to assist in the lender’s credit investigation.
Loan Foreclosure Or Judgment IndicatorBorrowers answer to the question: Have you directly or indirectly been obligated on any loan that resulted in foreclosure, transfer of title in lieu of foreclosure, or judgment? Collected on the URLA in Section VIII line eURLADeclarationsCredit Reporting, UnderwritingBoolean
Loan Has Escrow AccountsFlag indicating whether escrow accounts already exist for the loan.(not specified)(not specified)SecondaryBoolean
Loan Maturity DateContractual termination date of the note.(not specified)(not specified)SecondaryNumeric
Loan Original Maturity Term MonthsThe scheduled number of months after which a debt will mature if not equal to the Amortization Term.LenderProductMI, Secondary, UnderwritingNumeric
Loan Origination System Loan IdentifierA control number (i.e. key) for the loan in the sending loan origination system.LPLP TransFlood, Secondary, UnderwritingString
Loan Prospector Key IdentifierThe number used by Freddie Macs Loan Prospector (LP) AUS to track the loan throughout is LP life. Assigned by Freddie Mac the first time a loan is submitted to LP and returned in the response file as part of the LP Feedback Certificate.Freddie MacLP TransUnderwritingString
Loan Purpose TypeSpecifies the purpose for which the loan proceeds will be used. Collected on the URLA in Section II (Purpose of Loan).URLAApplicationFlood, MI, Secondary, UnderwritingEnumerated:
  • Construction Only: A short term, interim loan for financing the cost of construction. The lender advances funds to the builder at periodic intervals as work progresses.
  • Construction to Permanent: The subject loan will be used for construction financing and then be converted to permanent financing.
  • Other:
  • Purchase: Undivided, undifferentiated real estate ownership rights in the property under applicable state law are vested in only one person.
  • Refinance: The repayment of a debt from proceeds of a new loan using the same property as security.
Loan Registration IdentifierA case number assigned by the investor used for tracking on the investors systems.InvestorLoan IDUnderwritingString
Loan Scheduled Closing DateThe scheduled date for when the loan will be closed with the borrower.LenderUW CaseMI, Secondary, UnderwritingDate/Time
Loan Source TypeSpecifies the source of the loan origination.LPUW CaseUnderwritingEnumerated:
  • Broker: A firm or individual who, for a commission, matches borrowers and lenders. A mortgage broker takes applications and sometimes processes loans, but generally does not use its own funding for closing.
  • Correspondent: A specialized type of mortgage banker whose function is limited to the origination of mortgage loans which are sold to other mortgage bankers or investment bankers under a specific commitment. A correspondent generally closes loans in their own name.
  • Retail Origination: An individual, firm, or corporation that originates, sells and /or services loans secured by mortgages on real property.
Loan Status DateDate this status took effect.(not specified)(not specified)SecondaryDate/Time
Loan Status TypeThe status of this loan within the context of this negotiation.(not specified)(not specified)SecondaryEnumerated:
  • Accepted: Accepted as-is by buyer.
  • ConditionallyAccepted: Accepted by buyer with conditions.
  • Denied: Denied by buyer.
  • None: No status.
  • Sold: Sold to buyer.
  • Submitted: Submitted to a buyer.
Login Account IdentifierUser id used to authenticate requesting party to the vendor.(not specified)(not specified)Service ordering, Credit Reporting, FloodString
Login Account PasswordPassword used to authenticate requesting party to the vendor.(not specified)(not specified)Service ordering, Credit Reporting, FloodString
Low Delivery Penalty PercentThe penalty to be paid by the seller in the event of underdelivery on this commitment, expressed as a percentage of the Undelivered Amount.(not specified)(not specified)SecondaryNumeric(6,3)
Marital Status TypeThe marital status of the borrower as disclosed by the borrower. Collected on the URLA in Section III (Marital Status Check Box).URLABorrowerService ordering, Credit Reporting, UnderwritingEnumerated:
  • Married:
  • Not Provided:
  • Separated:
  • Unknown:
  • Unmarried (Single, Divorced, Widowed):
Metropolitan Statistical Area IdentifierIdentifies Metropolitan Statistical Area (MSA) where subject property is located. A MSA is a contiguous geographic area consisting of an urban center city and its surrounding suburbs.LenderSubject PropertyUnderwritingString
Month Thirteen Principal Interest Taxes and Insurance AmountThe dollar amount of the principal, interest, tax and insurance payment at month 13 of the amortization schedule of the loan. Used for adjustable products.LPUW CaseUnderwritingMoney
MORNETPlus Casefile IdentifierThe number used by Fannie Maes Desktop Underwriter System to track a loan with that system.Fannie MaeDU TransUnderwritingString
Mortgage IdentifierThe number used by the Mortgage Electronic Registration System (MERS) to identify loans.MERSLoan IDSecondary, UnderwritingString
Mortgage Insurance And Funding Fee Financed AmountThe dollar amount of private mortgage insurance premium, FHA up-front MI Premium or VA funding fee that is rolled into loan amount. Used if PMI / MIP / VA funding fee will be added to loan amount. Collected on the URLA in Section VII line n.URLAApplicationMI, UnderwritingMoney
Mortgage Insurance And Funding Fee Total AmountThe total amount paid to initiate private mortgage insurance, FHA up-front MI premium or the VA funding fee. Collected on the URLA in Section VII line g.URLAApplicationUnderwritingMoney
Mortgage Insurance Application TypeSpecifies the way the lender directs the mortgage insurer to handle the processing of the loan.MI OrderMIMI, UnderwritingEnumerated:
  • Delegated:
  • Prequalification:
  • Standard Application:
Mortgage Insurance Billing Frequency MonthsNumber of months between MI billings for given premium plan (e.g., monthly = 1, annual = 12, etc.)MI OrderMIMINumeric
Mortgage Insurance Captive Reinsurance IndicatorTo convey that a captive reinsurance agreement applies to the loan.MI OrderMIMIBoolean
Mortgage Insurance Cash Out TypeWhen the loan is a refinance this describes the distribution of funds.MI OrderMIMIEnumerated:
  • Cash Out:
  • Limited Cash Out:
Mortgage Insurance Cash Out Usage DescriptionTo describe the use of cash out refinance funds.MI OrderMIMIEnumerated:
  • Debt Consolidation:
  • Education:
  • Home Improvement:
  • Medical:
Mortgage Insurance Certificate IdentifierThe number assigned by a mortgage insurer to track a loan.MI OrderLoan IDMI, UnderwritingString
Mortgage Insurance Certificate TypeSpecifies the type of mortgage insurance certificate required by the customer.MI OrderMIMI, Secondary, UnderwritingEnumerated:
  • Both Primary and Pool:
  • No Coverage:
  • Pool:
  • Primary:
Mortgage Insurance Company NameThe name of the entity that will provide mortgage insurance for a loan.MI OrderMIMI, Secondary, UnderwritingEnumerated:
  • CMG Mortgage Insurance Company (affiliate of PMI) CMG:
  • GE Capital Mortgage Insurance Corporation, GE:
  • MGIC Indemnity Corporation, MGICIC:
  • Mortgage Guaranty Insurance Corporation, MGIC:
  • PMI Mortgage Insurance Corporation, PMI:
  • Radian (formerly CMAC):
  • Republic Mortgage Insurance Company, RMIC:
  • Triad Guaranty Insurance Corporation, TGIC:
  • United Guaranty Corporation, UGC:
Mortgage Insurance County Premium Tax AmountDollar amount of separate borrower-paid premium tax levied at county level.MI OrderMIMIMoney
Mortgage Insurance County Premium Tax RateCounty-level separate premium tax based on MI premium amount.MI OrderMIMI, ApplicationNumeric
Mortgage Insurance Coverage PercentThe percentage of the loan amount to be insured.LenderMIMI, Secondary, UnderwritingNumeric(8,7)
Mortgage Insurance Coverage Plan TypeSpecifies the coverage type of private mortgage insurance coverage selected.MI OrderMIMI, UnderwritingEnumerated:
  • Pool:
  • Risk Sharing:
  • Second Layer:
  • Standard Primary:
Mortgage Insurance Credit ScoreUsed when a lender wants to send only one credit score per loan and the mortgage insurer does not want to associate the score with an individual borrower.MI OrderMIMIString
Mortgage Insurance DecisionTo convey the mortgage insurers decision regarding the application for mortgage insurance.MI OrderMIMIEnumerated:
  • Approved:
  • Conditioned Approval: Approved subject to conditions.
  • Declined:
  • Suspended:
Mortgage Insurance Desktop Underwriter DecisionThe result of a Desktop Underwriter decision.MI OrderMIMIEnumerated:
  • Approve Eligible:
  • Approve Ineligible:
  • Refer Eligible:
  • Refer Ineligible:
  • Refer Out of Scope:
  • Refer With Caution:
Mortgage Insurance Duration TypeSpecifies the duration of coverage provided by the private mortgage insurance payment.MI OrderMIMI, Application, UnderwritingEnumerated:
  • Annual:
  • Not Applicable:
  • Periodic (Monthly):
  • Single Life of Loan:
  • Specific Term Single:
Mortgage Insurance Employee Loan IndicatorIndicates if the loan is part of an employee loan program.MI OrderMIMIEnumerated:
  • Employee:
Mortgage Insurance First Mortgage Being Refinanced AmountWhen the loan is a refinance this is the amount of the first mortgage being refinanced.MI OrderMIMIMoney
Mortgage Insurance Initial Premium AmountAmount of the first premium paid to MI. For monthly plans, one months premium; for all other plans, Initial Premium Rate times Base Loan Amount.MI OrderMIMIMoney
Mortgage Insurance Initial Premium Prepaid At Closing TypeSpecifies whether the initial Mortgage Insurance premium is prepaid upon closing or deferred until first principle payment.MI OrderMIMI, UnderwritingEnumerated:
  • Deferred:
  • Prepaid:
Mortgage Insurance Initial Premium RatePremium rate used to compute first MI premium amount. For monthlies, annualized rate. For all other plans, rate to be applied to base loan amount.MI OrderMIMI, ApplicationNumeric
Mortgage Insurance Initial Premium Rate Duration MonthsIndicates the number of months for which the MI Initial Premium Rate applies.MI OrderMIMI, ApplicationNumeric
Mortgage Insurance Lender Entity IdentifierThe unique number assigned by the private mortgage insurer identifying the lender entity. MI OrderMIMIString
Mortgage Insurance Lender Special Program TypeTo convey information describing a certain class of lender loans. Not to be confused with Mortgage Insurance Special Pricing Type.MI OrderMIMIString
Mortgage Insurance Loan Prospector Eligibility TypeThe loan eligibility classification of a Loan Prospector decision.MI OrderMIMIEnumerated:
  • Eligible:
  • Incomplete:
  • Ineligible:
Mortgage Insurance Loan Prospector Risk TypeThe risk classification of a Loan Prospector decision.MI OrderMIMIEnumerated:
  • Accept:
  • Accept Plus:
  • Caution:
  • Caution A Minus Eligible:
Mortgage Insurance Municipal Premium Tax AmountDollar amount of separate borrower-paid premium tax levied at municipality level.MI OrderMIMIMoney
Mortgage Insurance Municipal Premium Tax RateMunicipality-level separate premium tax based on MI premium amount.MI OrderMIMI, ApplicationNumeric
Mortgage Insurance Premium Financed IndicatorIndicates whether mortgage insurance premium has been added to loan amount.MI OrderMIMI, Application, UnderwritingBoolean
Mortgage Insurance Premium From Closing AmountAmount of MI premium due from closing. Zero for deferred monthly; otherwise is a months, years or life premium for regular monthly, annual, or life of loan premium plans.MI OrderMIMIMoney
Mortgage Insurance Premium Payment TypeSpecifies the source of the mortgage insurance payment.MI OrderMIMI, Application, UnderwritingEnumerated:
  • Borrower Paid:
  • Both Borrower and Lender Paid:
  • Lender Paid:
Mortgage Insurance Premium Rate Plan TypeSpecifies pattern of Mortgage Insurance premium rates charged over the life of the coverage.MI OrderMIMI, UnderwritingEnumerated:
  • Back Loaded:
  • Level: First premium is at same rate as subsequent renewals.
  • Modified Front Loaded: MI premium collected from borrower.
  • Standard Front Loaded: First premium is at a higher rate than subsequent renewals.
Mortgage Insurance Premium Refundable TypeSpecifies how the private mortgage insurance premiums will be treated if the private mortgage insurance coverage is canceled.MI OrderMIMI, Application, UnderwritingEnumerated:
  • Not Refundable:
  • Refundable:
  • Refundable with limits:
Mortgage Insurance Premium Term MonthsThe number of months of mortgage insurance coverage pre-paid by the initial premium.MI OrderMIMI, Application, UnderwritingNumeric
Mortgage Insurance Primary Borrower TypeTo identify the primary borrower to the private mortgage insurance company.MI OrderMIMIBoolean
Mortgage Insurance Private Automated Underwriting NameThe name of the private automated underwriting evaluation system used for the loan.MI OrderMIMIString
Mortgage Insurance Private Automated Underwriting ResultThe result of the private automated underwriting evaluation system. MI OrderMIMIString
Mortgage Insurance Qualifying Asset AmountThe total borrower assets per lender guidelines.MI OrderMIMIMoney
Mortgage Insurance Qualifying Income AmountThe total monthly borrower income per lender guidelines.MI OrderMIMIMoney
Mortgage Insurance Qualifying Liability Payment AmountThe total monthly borrower payments per lender guidelines.MI OrderMIMIMoney
Mortgage Insurance Reduced Loan Documentation TypeTo convey the type of reduced loan documentation.MI OrderMIMIEnumerated:
  • No Income No Asset: No income is stated on loan application, no income is verified, no ratios are calculated, no assets are stated or verified.
  • No Income No Ratio: No income is given on loan application, no income is verified, no ratios are calculated but assets sufficient for closing and reserves are verified.
  • Stated Income With IRS Form 4506: Income shown on 1003 used to qualify AND borrowers have signed IRS form 4506 authorizing lender to get certain income tax data from IRS.
  • Stated Income Without IRS Form 4506: Income shown on 1003 used to qualify BUT borrower has NOT signed IRS form 4506; lender is NOT authorized to get income tax data from IRS.
Mortgage Insurance Refinance TypeThe reason for the refinance.MI OrderMIMIEnumerated:
  • Equity Takeout:
  • Increase Term:
  • Rate and Term:
  • Reduce Rate:
  • Reduce Term:
Mortgage Insurance Relocation Loan IndicatorIndicates if the loan is part of a corporate relocation program.MI OrderMIMIEnumerated:
  • Relocation:
Mortgage Insurance Renewal Calculation TypeSpecifies the way in which the renewal premiums will be calculated.MI OrderMIMI, Application, UnderwritingEnumerated:
  • Constant:
  • Declining:
  • No Renewals:
  • Not Applicable:
Mortgage Insurance Renewal Premium RateMI renewal premium rate applied on the basis described in MI Response for the timeframe indicated in MI Renewals.MI OrderMIMI, ApplicationNumeric
Mortgage Insurance Renewal Premium Rate Duration MonthsThe number of months for which a given occurrence of a MI renewal premium rate applies.MI OrderMIMI, ApplicationNumeric
Mortgage Insurance Renewal TypeSpecifies the type of mortgage insurance renewal.MI OrderMIUnderwritingEnumerated:
  • Guaranteed: Rate will not change during life of coverage.
  • Not Applicable:
  • Variable: First premium is at a higher rate than subsequent renewals.
Mortgage Insurance Renewals SequenceRelates the sequence in which sets of MI renewal rates and timeframes occur to accurately describe MI renewals.MI OrderMIMI, ApplicationEnumerated:
  • Fifth: Fifth set of MI renewal premium data.
  • First: First set of MI renewal premium data.
  • Fourth: Fourth set of MI renewal premium data.
  • Second: Second set of MI renewal premium data.
  • Third: Third set of MI renewal premium data.
Mortgage Insurance Request TypeTo distinguish an original request application for private mortgage insurance from any subsequent requests for the same loan, and from the MIs response to the order.MI OrderMIMIEnumerated:
  • Original Request: An original request application for private mortgage insurance.
  • Response: Renewal rate will not change during life of loan.
  • Resubmission: Any subsequent request application for private mortgage insurance after the first.
Mortgage Insurance Special Pricing TypeTo convey information about a special pricing option or special deal number associated with a certain class of lender loans. MI OrderMIMIString
Mortgage Insurance State Premium Tax AmountDollar amount of separate borrower-paid premium tax levied at state level.MI OrderMIMIMoney
Mortgage Insurance State Premium Tax RateState-level separate premium tax based on MI premium amount.MI OrderMIMI, ApplicationNumeric
Mortgage Insurance Sub Prime Program TypeTo convey the loan is processed as sub prime.MI OrderMIMIEnumerated:
  • Aminus:
Mortgage Insurance Transaction Reference IdentifierA unique tracking identifier assigned by the sender which is typically returned to the sender in the resulting response.MI OrderMIMIString(30)
Mortgage TypeSpecifies the type of mortgage being applied for or that has been granted. URLAProductMI, UnderwritingEnumerated:
  • Farmers Home Administration: A government agency which provides financing to farmers and other qualified borrowers who are unable to obtain loans elsewhere.
  • FHA: A federal agency within HUD that provides mortgage insurance for residential mortgages and sets standards for construction and underwriting.
  • Local Agency:
  • Other:
  • State Agency:
  • VA: VA Home Loan Guaranty Program encourages mortgage lenders to offer long-term, low down payment financing to eligible veterans by partially guaranteeing the lender against loss upon foreclosure.
Negative Amortization Limit PercentThe maximum loan to value ratio (UPB to original loan balance) stated as a percent that is allowed for a negatively amortizing mortgage. When the negative amortization limit is hit the loan is cast to be fully amortizing.LPProductUnderwritingNumeric(8,7)
Negative Amortization TypeSpecifies whether negative amortization is possible for the loan and if so if it is scheduled or potential. Negative amortization is unpaid interest added to the mortgage principal. This applies to loans where the principal balance increases because the payments do not cover the interest.LenderProductMI, Secondary, UnderwritingEnumerated:
  • No Negative Amortization:
  • Potential Negative Amortization:
  • Scheduled Negative Amortization:
Negotiation Accepted Loan CountThe number of loans in this pool that were accepted.(not specified)(not specified)SecondaryNumeric(6,0)
Negotiation Conditionally Accepted Loan CountThe number of loans that were conditionally accepted.(not specified)(not specified)SecondaryNumeric(6,0)
Negotiation DateThe date this negotiation was made.(not specified)(not specified)SecondaryDate/Time
Negotiation Declined Loan CountThe number of loans in this pool that were declined.(not specified)(not specified)SecondaryNumeric(6,0)
Negotiation Detail TypeThe status of this loan with regards to this negotiation.(not specified)(not specified)SecondaryEnumerated:
  • Accepted: Accepted as part of this negotiation.
  • ConditionallyAccepted: Conditionally accepted as part of this negotiation.
  • Declined: Declined as part of this negotiation.
Negotiation Expiration DateThe date the negotiation expires (must be accepted or responded to by).(not specified)(not specified)SecondaryDate/Time
Negotiation Is Seller IndicatorFlag indicating whether this negotiation is the seller responding to a buyer offer.(not specified)(not specified)SecondaryBoolean
Negotiation Loan Status DescriptionAdditional information about the status of this loan within this negotiation.(not specified)(not specified)SecondaryString
Negotiation Ratified DateThe date that both parties in the negotiation agreed to a price for the pool.(not specified)(not specified)SecondaryDate/Time
Negotiation Status TypeThe status of this negotiation.(not specified)(not specified)SecondaryEnumerated:
  • Accepted: This negotiation has been accepted.
  • Countered: This negotiation has been countered by another offer.
  • Offered: Offered.
  • Withdrawn: This negotiation has been withdrawn.
Note Assignment DateThe date the note was assigned and the loan began to accrue interest.(not specified)(not specified)SecondaryDate/Time
Original Combined Loan To Value RatioThe combined loan to value ratio for all liens on the property when this loan was originated, expressed as a ratio.(not specified)(not specified)SecondaryNumeric
Original Loan To Value RatioThe original loan-to-value ratio for the loan (expressed as a ratio).(not specified)(not specified)SecondaryNumeric
Original Principal BalanceThe original principal balance on the loan.(not specified)(not specified)Service ordering, SecondaryNumeric
Other Amortization Type DescriptionA free-form text field used to collect additional information or a description of the amortization type when Other is selected.URLAProductMI, UnderwritingString
Other Asset Type DescriptionA free-form text field used to capture additional information or a description of the borrowers asset when other is selected. Collected on the URLA in Section VI (Assets - Other Assets Itemize).URLAAssetCredit Reporting, UnderwritingString
Other Credit Loan Type DescriptionIf Credit Liability Loan Type was set to Other, then this element will contain a description of the loan type.Credit ReportCreditCredit ReportingString
Other Credit Report Type DescriptionWhen Report Type is set to Other, enter its description in this element.Credit ReportCreditCredit ReportingString
Other Credit Repository Included IndicatorThis element indicates whether another repository source is included in either the request or response.Credit ReportCreditCredit ReportingBoolean
Other Credit Score Model NameWhen the Credit Score Model Name Type is set to Other, this element holds the description.Credit ReportCreditCredit ReportingString
Other Declaration DescriptionA free-form text field used to capture explanations to any yes answer to a declaration on lines a through I on the loan application. Captured on the URLA in a continuation sheet.URLADeclarationsUnderwritingString
Other Down Payment Type DescriptionA free-form text field used to capture the type of down payment or additional comments concerning the type of down payment when other is selected. Collected on the URLA in Section II (Source of Down Payment) along with down payment source.URLAApplicationUnderwritingString
Other Housing Expense DescriptionA free-form text field used to capture a description of other housing expenses for which the borrower is responsible. Collected on the URLA in Section V (Combined Monthly Housing Expense, Other).URLAExpenseUnderwritingString
Other Income Type DescriptionA free-form text field used to capture a description of other income that the borrower is declaring on the loan application. Collected on the URLA in Section V (Gross Monthly Income - Other).URLAIncomeCredit Reporting, UnderwritingString
Other Liability Type DescriptionA free form text field used to capture additional information or a description of the borrowers other liabilities. Collected on the URLA in Section VI - Liabilities.URLALiabilityUnderwritingString
Other Loan Purpose DescriptionA free-form text field used to capture the purpose of the loan when Other is indicated for Loan Purpose. Collected on the URLA in Section II (Purpose of Loan - Other Explain).URLAApplicationMI, UnderwritingString
Other Mortgage Type DescriptionA free-form text field used to collect additional information or a description of the mortgage type when Other is selected. Collected on the URLA in Section I (Mortgage Applied For Other).URLAProductUnderwritingString
Other Party Paid Conventional Closing Costs AmountThe estimated closing costs which will be paid by a party,,other than the borrower, for the subject property. Collected on the URLA in Section VII line l.URLAApplicationUnderwritingMoney
Other Party Paid Conventional Discount Points AmountThe dollar amount of discount points which will be paid by a party, other than the borrower, for the subject property. Collected on the URLA in Section VII line l.URLAApplicationUnderwritingMoney
Other Party Paid FHA/VA Closing Costs AmountThe estimated closing costs which will be paid by a party, other than the borrower or seller, on the subject property. Used for FHA or VA loans.FHAFHA/VAUnderwritingMoney
Other Party Paid FHA/VA Discount Points AmountThe dollar amount of the discount points which will be paid by a party other than the borrower or seller for FHA and VA loans.FHAFHA/VAUnderwritingMoney
Other Party Paid FHA/VA Discount Points PercentThe discount points which will be paid by a party other than the borrower or seller. Used for FHA and VA loans. Must be stated as a percentage of the loan amount.FHAFHA/VAUnderwritingNumeric(8,7)
Other Price Type DescriptionWhen Other is specified in Price Type, this element contains its description.Credit ReportCreditCredit ReportingString
Other Public Record Dispostion Type DescriptionIf the Public Record Disposition is set to Other, enter the disposition in this element.Credit Report CreditCredit ReportingString
Other Public Record Type DescriptionIf the Public Record Type is set to Other, enter the type in this element.Credit ReportCreditCredit ReportingString
Other Race/National Origin DescriptionA free-form text field used to capture the national origin if Other is selected as the borrowers race or national origin. Collected on the URLA in Section X (Race/National Origin).URLADeclarationsUnderwritingString
Other Request TypeAllows for a text desctiption (non-enumerated value) to describe the type of request being passed among business partners.(not specified)Service OrderService ordering, Credit ReportingString
Other Response Format Type DescriptionDescribes the Other format selected in the Response Format element.RequestCreditCredit ReportingString
Other Response Method Type DescriptionSpecify a delivery method not listed in the Response Method element.Service Request(not specified)Credit ReportingString
Outstanding Judgments IndicatorBorrowers answer to the question: Are there any outstanding judgments against you? Collected on the URLA in Section VIII line a.URLA DeclarationsCredit Reporting, UnderwritingBoolean
ParameterMeaningThe meaning of this parameter.(not specified)(not specified)SecondaryString
ParameterValueThe value for the parameter.(not specified)(not specified)SecondaryString
Party Address 1The unstructured street address of the referenced Party Type.URLAPartyCredit Reporting, Flood, UnderwritingString
Party Address 2The unit or suite number (if any) of the address of the referenced Party Type.URLAPartyCredit Reporting, Flood, UnderwritingString
Party CityThe city in which the referenced Party Type is located.URLAPartyCredit Reporting, Flood, UnderwritingString
Party CountryThe country in which the referenced Party Type is located if not the U.S.A. URLAPartyCredit Reporting, Flood, UnderwritingString
Party NameThe unstructured name of the individual or institution is referenced by the Party Type.URLAPartyService ordering, Credit Reporting, Flood, MI, Secondary, UnderwritingString
Party Postal CodeThe postal code (zip code in the US) of the individual or institution referenced by the Party Type. Zip code may be either 5 or 9 digits. URLAPartyCredit Reporting, Flood, UnderwritingString
Party StateThe state in which the individual or institution referenced by the Party Type is located.URLAPartyCredit Reporting, Flood, UnderwritingString
Party To Lawsuit IndicatorBorrowers answer to the question: Are you a party to a lawsuit? Collected on the URLA in Section VIII line d.URLA DeclarationsCredit Reporting, UnderwritingBoolean
Party TypeSpecifies the party to the transaction. The following information may be associated with each party: Name, Address (parsed and unparsed), and Contact Detail.(not specified)PartyService ordering, Credit Reporting, Flood, MI, Secondary, UnderwritingEnumerated:
  • Appraiser: The appraiser who completed the final estimate of value for the subject property.
  • Asset Holder: The individual or institution holding the borrowers asset.
  • Broker Contact: A person who is designated as the brokers contact.
  • Credit Bureau: The credit reporting agency used for the original credit report ordered by the loan originator.
  • Credit Trade Reference: The party referenced in a credit report. Could be a creditor, inquiring party, court, attorney or plaintiff.
  • Employer: The borrowers employer.
  • Fulfillment Party: 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.
  • Interviewer: The person who took the loan application. Collected on the URLA in Section X (Interviewers Name).
  • Interviewers Employer: The individual or institution that employs the interviewer. Collected on the URLA in Section X (Name and Address of Interviewers Employer).
  • Lender: Person or entity that invests in or originates mortgage loans.
  • Lenders Authorized Representative: The person designated as the authorized representative employed by the lender.
  • Lenders Branch: Identifies the name or location of the lenders branch office.
  • Lenders Contact : The person employed by the lender that an individual could call with questions regarding the mortgage loan.
  • Lenders Information Contact: The person designated as the information contact employed by the lender.
  • Lenders Notification Contact: The person designated as the notification contact employed by the lender.
  • Lenders Underwriter: The person is the underwriter of the loan that is employed by the lender
  • Liability Holder: The individual or institution holding the borrowers liability.
  • Owning Bureau: The credit bureau that owns or manages the credit file being referenced.
  • Receiving Party: The business, person, or system that will receive the request group for further processing. The send to: addressee.
  • Requesting Party: The ultimate customer of a service or other request. Usually the person associated with the business that is ultimately billed for the transaction. The contact under this party is the person requesting the service or product.
  • Respond To Party: The person or organization that wants to receive copies of responses to the request.
  • Response From Party: The person or organization that prepared the response to the request.
  • Submitting Party: The individual or organization that is placing the request group on behalf of the requesting party.
Payment Adjustment TypeSpecifies whether the payment adjustment is conditinoal or scheduled. Used for Adjustable Rate, GPM, GEM or Start Up mortgages.LenderProductMI, UnderwritingEnumerated:
  • Conditional:
  • Scheduled:
Payment Adjustment AmountThe dollar amount to be added to the current payment. If the subject mortgage can change by means other than a rate adjustment.LenderProductMI, UnderwritingMoney
Payment Adjustment Calculation TypeIndicates the method for calculating the new payment at each change. If the subject mortgage can change by means other than a rate adjustment.LenderProductMI, UnderwritingEnumerated:
  • Add Fixed Dollar Amount to the Current Payment:
  • Add Percent to Current Payment Amount:
  • Add Percent to Effective Payment Rate:
Payment Adjustment Duration MonthsThe total number of months in the adjustment period.LenderProductUnderwritingNumeric
Payment Adjustment Lifetime Cap AmountThe maximum dollar amount (cap) of the payment increase allowed during the life of the loan, if the subject mortgage can change by means other than a rate adjustment.LenderProductMI, UnderwritingMoney
Payment Adjustment Lifetime Cap PercentThe maximum percentage (cap) on the payment increase allowed during the life of the loan, if the subject mortgage can change by means other than a rate adjustment.(Expressed as percentage of the payment amount.)LenderProductMI, UnderwritingNumeric(8,7)
Payment Adjustment PercentThe percentage to be added to the current payment. If the subject mortgage can change by means other than a rate adjustment.LenderProductMI, UnderwritingNumeric(8,7)
Payment Adjustment Periodic Cap AmountThe maximum dollar amount (cap) of the payment increase allowed at each change period within the allowed duration. If the subject mortgage can change by means other than a rate adjustment.LenderProductMI, UnderwritingMoney
Payment Adjustment Periodic Cap PercentThe maximum percentage (cap) on the payment increase allowed at each change period within the allowed duration. If the subject mortgage can change by means other than a rate adjustment. (Expressed as a percentage of the payment amount.)LPProductMI, UnderwritingNumeric(8,7)
Payment Frequency TypeSpecifies the frequency of the mortgage payment.LenderProductMI, Secondary, UnderwritingEnumerated:
  • Bi-weekly:
  • Monthly:
PenaltyThe penalty to be paid if this rule is not met, expressed as a percentage of the total dollar volume for the period assessed. (not specified)(not specified)SecondaryNumeric(6,3)
PenaltyAmountThe amount of the penalty.(not specified)(not specified)SecondaryNumeric
PenaltyReasonThe reason this penalty was imposed.(not specified)(not specified)SecondaryString
Planned Unit Development IndicatorIndicates whether project in which the subject property is located is a Planned Unit Development (PUD).ValuationProjectMI, UnderwritingBoolean
Pledged Asset Certificate of Deposit AmountThe dollar amount of the certificate of deposit that is being used as additional collateral on a pledged asset mortgage.LenderPledgedUnderwritingMoney
Pledged Asset Contributor TypeSpecifies the owner of the pledged asset held as additional collateral.LenderPledgedUnderwritingEnumerated:
  • Borrower:
  • Third Party:
Pledged Asset Financial Arrangement AmountThe dollar amount of the financial arrangement that is being used as additional collateral on a pledged asset mortgage.LenderPledgedUnderwritingMoney
Pledged Asset Life Insurance AmountThe dollar amount of the life insurance that is being used as additional collateral on a pledged asset mortgage.LenderPledgedUnderwritingMoney
Pledged Asset Release DateThe scheduled date of the release of the secured asset.LenderPledgedUnderwritingDate/Time
Pledged Asset Savings AmountThe dollar amount of the savings account that is being used as additional collateral on a pledged asset mortgage.LenderPledgedUnderwritingMoney
Pool Asking Price PercentThe asking price for the pool, expressed as a percentage of the par (face) value.(not specified)(not specified)SecondaryNumeric(6,3)
Pool Creation DateDate the pool was created.(not specified)(not specified)SecondaryDate/Time
Pool DescriptionThe description of this pool.(not specified)(not specified)SecondaryString
Pool Expiration DateThe date the pool expires.(not specified)(not specified)SecondaryDate/Time
Pool Offered Price PercentThe price offered for this pool, expressed as a percentage of the par (face) value of the loans.(not specified)(not specified)SecondaryNumeric(6,3)
Pool Scheduled Transfer DateThe scheduled date for the transfer of ownership for the loans in this pool.(not specified)(not specified)Service ordering, SecondaryDate/Time
Pool Status DateThe status date of a pool transaction as it pertains to whole loan pool transfer.(not specified)(not specified)SecondaryDate/Time
Pool Status TypeThe status of this pool.(not specified)(not specified)SecondaryEnumerated:
  • InNegotiation: The sale of the pool is being negotiated.
  • None: No status.
  • Sold: The pool has been sold.
Prepaid Items Estimated AmountThe dollar amount of escrow / impound to be held by the lender, which is to be collected at closing for future payment of taxes, insurance or other obligations on the subject property. Collected on the URLA in Section VII line e.URLAApplicationUnderwritingMoney
Prepayment Penalty IndicatorIndicates whether the loan includes a penalty charged to the borrower in the event of prepayment.LenderProductUnderwritingBoolean
Prepayment Penalty TermThe term of the prepayment penalty for this loan.(not specified)(not specified)SecondaryNumeric
Prepayment Restriction IndicatorIndicates whether the loan has any restrictions on the prepayment of the loan (i.e. paying off the principal and or interest at a rate faster than prescribed by the payment schedule).LenderProductUnderwritingBoolean
Presently Delinquent IndicatorBorrowers answer to the question: Are you presently delinquent or in default on any Federal debt or any other loan mortgage, financial obligation, bond or loan guarantee? Collected on the URLA in Section VIII line f.URLA DeclarationsCredit Reporting, UnderwritingBoolean
Primary Employment IndicatorThis element is an indicator that tells whether the associated employment is the borrowers primary employment or not using a Y/N indicator.URLAEmploymentCredit Reporting, UnderwritingBoolean
Principal and Interest PaymentThe principal and interest monthly payment amount for the loan.URLALoanMI, SecondaryMoney
Prior Property Title TypeBorrowers answer to the question: How did you hold title to the home solely by yourself, jointly with your spouse, or jointly with another person? Collected on the URLA in Section VIII line m2.URLADeclarationsService ordering, UnderwritingEnumerated:
  • Joint with Other Than Spouse: Use this answer for any property owned with any other person including spouse.
  • Joint with Spouse: Use this answer for any property owned with a spouse.
  • Sole (Individual):
Prior Property Usage TypeBorrowers answer to the question: What type of property did you own principal residence, second home, or investment property? Collected on the URLA in Section VIII line m1.URLADeclarationsUnderwritingEnumerated:
  • Investment: The purchase of a home for the purpose of generating income by renting the property to tenants.
  • Primary Residence: Residence that the owner physically occupies and uses as his or her home.
  • Secondary Residence: A property purchased for occupancy by the owner but is not the primary residence. Usually recreational properties.
Product DescriptionA free-form textual description of the loan product. Lender ProductUnderwritingString
Product NameA unique identifier of the type of loan product.LenderProductMI, Secondary, UnderwritingString
Product Source TypeSpecifies the source of the list for identifiers of the loan product being financed.LenderProductUnderwritingEnumerated:
  • Fannie Mae:
  • Freddie Mac:
Project NameThe name of the project in which subject property is located. (E.g. the name of the condominium or cooperative)ValuationProjectMI, UnderwritingString
Project Rented Unit CountThe total number of units currently being rented in project in which the subject property is located.ValuationProjectUnderwritingNumeric
Project Sold Unit CountThe total number of units sold and currently conveyed to owners in project in which the subject property is located.ValuationProjectUnderwritingNumeric
Project Total Unit CountThe total number of units (completed, proposed or under construction) in the project in which the subject property is located.ValuationProjectUnderwritingNumeric
Property Acquired YearThe year in which the land & buildings of the property were acquired by borrower. URLASubject PropertySecondary, UnderwritingDate/Time
Property Address 1The unstructured (Unparsed) street address of the property (e.g., 123 Main Street). URLASubject PropertyService ordering, Credit Reporting, Flood, MI, Secondary, UnderwritingString
Property Address 2The unit number (if any) of the address of the property. URLASubject PropertyService ordering, Credit Reporting, MI, Secondary, UnderwritingString
Property Appraised Value AmountStatement of propertys value from a valid property valuation sourceValuationSubject PropertyMI, Secondary, UnderwritingMoney
Property BlockThe propertys block in a planned unit development.URLAPropertySecondary, SecuritizationString
Property Category TypeSpecifies the type of dwelling or structure for the property. ValuationSubject PropertyMI, Secondary, UnderwritingEnumerated:
  • Attached: Residential dwelling unit that has common wall or other direct physical connection with another residential dwelling unit.
  • Church: Describes a structure used on a regular basis as a place of worship, and/or structure specifically designed for the purpose of conducting worship.
  • Commercial Non-residential: General category for classifying real estate designed and/or used as location to conduct commercial activities, with no design provisions for intend use as borrowers place of residence.
  • Commercial Residential: General category for classifying real estate where some part of the property is designed and/or used as location to conduct commercial activities, and other parts intend for use as borrowers place of residence. (e.g., shop downstairs, residence upstairs.)
  • Detached: Residential dwelling unit that has no common wall or other direct physical connection with another residential dwelling unit. Collected on the URLA in Section VI ( Schedule or Real Estate - Type of Property).
  • Farm: General category for classifying real estate designed and/or used as location to conduct agricultural activities, which may or may not include a residential dwelling unit on the land encompassed by the farm.
  • High Rise: Structure of multiple residential dwelling units of 5 stories or more.
  • Low Rise: Structure of multiple residential dwelling units that is of 4 stories or less.
  • Manufactured: Dwelling unit constructed and pre-assembled in large part at a factory, then shipped to homes site on trailer; base frame is NOT designed to for wheels and axles, but rather for permanently affixing unit to the foundation at the homes site.
  • Mobile Home: Dwelling unit constructed on metal base frame which features wheels and axles to be used in transporting home from place to place.
  • Modular: Dwelling unit constructed of multiple logical structural units (e.g., bathroom and plumbing core module, standard non-master bedroom modules, etc.)
  • Site Built: Describes construction process, indicating that most elements of the structure are created at the homes permanent site. Think of this as the flip side of Manufactured or Modular. Example: build homes frame at site, then do wiring and plumbing around and through the frame.
  • Stacked: Describes construction process, usually indicating that entire manufactured dwelling units are place one atop the other at the homes permanent site to create a multi-story structure.
  • Townhouse / Rowhouse: One in a row of identical houses or having common wall. Attached to another unit via common wall (e.g., a brownstone.) (Appraisal Foundation (AF) refers to this as house design style.)
Property CityThe city in which the property is located. URLASubject PropertyService ordering, Credit Reporting, Flood, MI, Secondary, UnderwritingString
Property City Assessor Parcel IdentifierUnique tax map number assigned by the city in which the subject property is located.LPSubject PropertyUnderwritingString
Property CountryThe country in which the property is located, if not in the U.S.A. URLASubject PropertyCredit Reporting, Secondary, UnderwritingString
Property CountyThe county in which the property is located.FHASubject PropertyService ordering, Flood, MI, Secondary, UnderwritingString
Property County Assessor Parcel IdentifierUnique tax map number assigned by the county in which the subject property is located.LPSubject PropertyUnderwritingString
Property County CodeFIPS county code number.(not specified)Flood DeterminationService ordering, FloodString
Property Disposition Status TypeThe borrowers intended disposition of an owned property. Collected on the URLA in Section VI (Schedule of Real Estate Owned).URLAREOSecondary, UnderwritingEnumerated:
  • Pending Sale: Listed for Sale:
  • Retain - Not for Sale:
  • Retain for Rental:
  • Sold: Sale of property to be closed at or before closing of the subject property.
Property Energy Efficient Home IndicatorIndicates that the appraiser states that the property meets FHA /VA Energy Efficient Home guidelines. Usually applies to new construction.FHA/VASubject PropertyUnderwritingBoolean
Property Estimated Value AmountA statement of the propertys present market value from the borrowers or loan originators estimate.URLASubject PropertyMI, Secondary, UnderwritingMoney
Property Financed Number of UnitsThe number of individual family dwelling units being financed in the subject property. Collected on the URLA in Section II (No. Of Units).URLASubject PropertyMI, Secondary, UnderwritingNumeric
Property Foreclosure Past Seven Years IndicatorBorrowers answer to the question: Have you had property foreclosed upon or given title or deed in lieu thereof in the last seven years? Collected on the URLA in Section VIII line c.URLA DeclarationsCredit Reporting, UnderwritingBoolean
Property Gross Living Area Square FeetThe number of square feet in the gross living area of the subject property including only finished, above grade rooms.ValuationAppraisalMI, UnderwritingNumeric
Property Land Appraised Value AmountThis is the appraised present value of the land for the property if it acquired separately. It assumes that the valuation comes from a professional property appraisal source. URLAApplicationSecondary, UnderwritingMoney
Property Land Estimated Value AmountThis is the estimated present value of the land for the property if it is acquired separately. It assumes that the valuation comes from the borrower, lender, or someone other than a professional appraiser. URLAApplicationSecondary, UnderwritingMoney
Property Land Original Cost AmountThis is the original cost of the land for the property if it is acquired separately. URLAApplicationSecondary, UnderwritingMoney
Property Leasehold Expiration DateThe final expiration date of the ground lease for the lot of the property. URLASubject PropertySecondary, UnderwritingDate/Time
Property Liability Age MonthsThe age in months of a liability secured by the property.LenderLiabilitySecondary, UnderwritingNumeric
Property Long Legal DescriptionA free-form text field used to capture the legal description of the property. A long legal description would be used for metes and bounds descriptions. URLASubject PropertyFlood, Secondary, UnderwritingString
Property Lot Acquired YearThe year in which the lot of property was acquired by borrower. Used for construction loans. URLASubject PropertySecondary, UnderwritingDate/Time
Property Number of StoriesThe number of stories in the property.ValuationPropertySecondary, SecuritizationNumeric
Property Original Cost AmountThe dollar amount of the original cost of property at time of acquisition. URLASubject PropertySecondary, UnderwritingMoney
Property Ownership TypeDescribes the type of ownership associated with a property.ValuationSubject PropertyMI, UnderwritingEnumerated:
  • Condo-Hotel: Condo project with rental/registration desks, short-term rental, food & phone services & daily cleaning; operated as hotel even though units are individually owned. Collected on the URLA in Section VI (Schedule of Real Property - Type of Property.)
  • Condominium: A type of real estate ownership in which each unit owner has title to a unit in a building, an undivided interest in the common areas of the project as well as the basic structure, and sometimes the exclusive use of certain limited common areas. Collected on the URLA in Section VI ( Schedule of Real Estate - Type of Property).
  • Cooperative: A type of multiple ownership in which the residents of a multiunit housing complex own shares in the cooperative corporation that owns the property, giving each resident the right to occupy a specific apartment or unit. Collected on the URLA in Section VI ( Schedule of Real Estate - Type of Property).
Property Postal CodeThe postal code (zip code in the US) of the property. Zip code may be either 5 or 9 digits. URLASubject PropertyService ordering, Credit Reporting, Flood, MI, Secondary, UnderwritingString
Property REO IndicatorIndicates that a borrower currently owns the property. LenderPropertyCredit Reporting, MI, Secondary, UnderwritingBoolean
Property Rights TypeSpecifies the intended property ownership rights for the property. URLASubject PropertySecondary, UnderwritingEnumerated:
  • Community Property:
  • Fee Simple: The greatest possible interest a person can have in real estate, including the right to dispose of the property or pass it on to one’s heirs.
  • Joint Tenants:
  • Leasehold: An estate or interest in real property held by virtue of a lease.
  • Tenants In Common:
  • Unassigned:
Property SectionThe property section in a planned unit development.URLAPropertySecondary, SecuritizationString
Property Short Legal DescriptionA free-form text field used to capture the short legal description of the property. The short legal description would include lot, block and section. In general a legal description is a property description recognized by law that is sufficient to locate & identify the subject property without oral testimony. Collected on the URLA in Section II (Legal Description).URLASubject PropertyFlood, Secondary, UnderwritingString
Property StateThe state in which the property is located. URLASubject PropertyService ordering, Credit Reporting, Flood, MI, Secondary, UnderwritingString
Property State Assessor Parcel IdentifierUnique tax map number assigned by the state in which the subject property is located.LPSubject PropertyUnderwritingString
Property Structure Built YearThe year in which the structure on the property was completed. URLASubject PropertyFlood, MI, Secondary, UnderwritingDate/Time
Property SubdivisionThe property subdivision in a planned unit development.URLAPropertySecondary, SecuritizationString
Property Subject IndicatorIndicates that the property is the subject of the financing.LenderPropertyCredit Reporting, MI, Secondary, UnderwritingBoolean
Property Unit Resale IndicatorIndicates whether the property unit is a resale and not an original purchase from the builder / developer.ValuationSubject PropertySecondary, UnderwritingBoolean
Property Usage TypeSpecifies intended use by the borrower of the property. URLASubject PropertyMI, Secondary, UnderwritingEnumerated:
  • Investor: The purchase of a home for the purpose of generating income by renting the property to tenants.
  • Primary Residence: Residence that the owner physically occupies and uses as his or her home.
  • Second Home: A property purchased for occupancy by the owner but is not the primary residence. Usually recreational properties.
Purchase Credit AmountThe dollar amount of the Purchase Credit Type related to the loan application. Collected on the URLA in Section VII (Details of Transaction - Other Credits - Amount).URLAPurchase CreditUnderwritingMoney
Purchase Credit DescriptionA free-form text field used to capture additional information or a description of purchase credits related to the loan application. Collected on the URLA in Section VII (Details of Transaction - Other Credits - Explain)URLAPurchase CreditUnderwritingString
Purchase Credit Source TypeSpecifies the party contributing credits to the transaction exclusive of the mortgage financing. Collected on the URLA in Section VII (Details of Transaction - Other Credits - Explain)URLAPurchase CreditUnderwritingEnumerated:
  • Borrower - Paid Outside of Closing:
  • Builder/Developer:
  • Employer:
  • Lender:
  • Non-Parent Relative:
  • Other:
  • Parent:
  • Property Seller:
  • Real Estate Agent:
  • Unrelated Friend:
Purchase Credit TypeSpecifies the general names (types) of credit on the transaction exclusive of financing. Collected on the URLA in Section VII (Details of Transaction - Other Credits - Explain).URLAPurchase CreditUnderwritingEnumerated:
  • Buydown Fund: Funds held for the purpose of subsidizing some part of the periodic P&I in a specific pattern for a specific time period.
  • Commitment / Origination Fee: Commitment / Origination Fee paid by borrower is credited back to borrower as a valid source of borrower funds to close the transaction.
  • Earnest Money: A deposit made as a show of good faith by buyer to bind the conditions of a sale of real estate.
  • Employer Assisted Housing: Funds provided to borrower by employer to offset some of the initial or ongoing costs of borrowers home.
  • Gift of Equity: Without consideration or promise of repayment, owner of property credits buyer with a specified dollar amount of equity. This is most often seen in inter-generation transfers in families, where parents will credit children with some portion of equity not conveyed in cash
  • Lease Purchase Fund: Under a lease/purchase arrangement, owner of real estate agrees to credit some portion of rent towards down payment. This is the accumulated amount of such credits reflected at closing.
  • Other: Purchase credits of any type not otherwise listed; typically linked to a FREE TEXT description field.
  • Private Mortgage Insurance / Mortgage Insurance Premium / VA Funding Fee Refund: Anticipated refund of unearned prepaid Private Mortgage Insurance, Mortgage Insurance Premium, or VA Funding Fee arising from the subject transaction that is accepted as a valid source of borrower funds to close the transaction.
  • Relocation Funds: Funds provided to relocating borrower (usually by employer) to offset some of the initial or ongoing costs of borrowers home at the new location.
  • Sweat Equity: Buyer/borrower agrees with owner (who is usually also builder/re-habber) that work done by Buyer/borrower to help complete the property will be credited as having specific value and will be done in lieu of some portion of the cash purchase price.
  • Trade Equity: Usually involves what the IRS calls a 1031 exchange of equity the buyer and seller hold in one or more other properties, in lieu of some portion of the cash purchase price
Purchase Price AmountThe total dollar amount paid by the borrower for the property pledged as security for the mortgage. The purchase price is presented on the offer to purchase. Collected on the URLA in Section VII line a.Offer to Purchase, URLAApplicationMI, UnderwritingMoney
Purpose of Refinance DescriptionA free-form text field used to capture the purpose of a refinance. Collected on the URLA in Section II (Purpose of Refinance).URLAApplicationUnderwritingString
Race National Origin Refusal IndicatorBorrowers answer to the statement: I do not wish to furnish the HMDA) information. Collected on the URLA in Section X.URLADeclarationsMI, UnderwritingBoolean
Race/National Origin TypeThe borrowers or interviewers statement about the borrowers race or national origin. Collected on the URLA in Section X (Race/National Origin).URLADeclarationsMI, UnderwritingEnumerated:
  • American Indian or Alaskan Native: Category as defined by Home Mortgage Disclosure Act section 202.13.
  • Asian or Pacific Islander: Category as defined by Home Mortgage Disclosure Act section 202.13.
  • Black Not of Hispanic Origin: Category as defined by Home Mortgage Disclosure Act section 202.13.
  • Hispanic: Category as defined by Home Mortgage Disclosure Act section 202.13.
  • Information Not Provided: Not provided by applicant in mail or telephone application. Category as defined by Home Mortgage Disclosure Act section 202.13.
  • Not Applicable: Borrower is an entity not an individual or there is no co-borrower. Category as defined by Home Mortgage Disclosure Act section 202.13.
  • Other: Category as defined by Home Mortgage Disclosure Act section 202.13.
  • White Not of Hispanic Origin: Category as defined by Home Mortgage Disclosure Act section 202.13.
Rate Adjustment Calculation TypeIndicates the method for calculating the new rate at each change. If the subject mortgage can change by means other than a rate adjustment.LenderProductUnderwritingEnumerated:
  • Add Percent to Current Rate:
  • Add Percent to Original Rate:
  • Index + Margin:
Rate Adjustment Duration MonthsThe total number of months for which the rate adjustment will be effective.LenderProductMI, UnderwritingNumeric
Rate Adjustment Initial Cap PercentThe maximum allowed increase in the interest rate (cap) at the initial adjustment. LenderProductMI, UnderwritingNumeric(8,7)
Rate Adjustment Lifetime Cap PercentThe maximum percentage (cap) of the rate increase allowed for the entire life of the loan, if the interest rate on the subject loan can change.LenderProductMI, UnderwritingNumeric(8,7)
Rate Adjustment PercentPercentage to be added to current or original interest rate. If the interest rate on the subject loan can change.LenderProductUnderwritingNumeric(8,7)
Rate Adjustment Subsequent Cap PercentThe maximum percentage (cap) of the rate increase allowed at each rate adjustment period after the initial adjustment within the allowed duration. If the interest rate on the subject loan can change.LenderProductMI, UnderwritingNumeric(8,7)
Refinance - Including Debts to be Paid Off AmountThe total amount of all debt to be repaid with funds from refinancing the mortgage loan on the subject property. Collected on the URLA in Section VII line d.URLAApplicationSecondary, UnderwritingMoney
Refinance Completed Improvements AmountThe total dollar amount of the improvements made on the subject property being refinanced since being acquired. Collected on the URLA in Section II (Refinance - Cost of Improvements Made).URLASubject PropertyUnderwritingMoney
Refinance Completed Improvements DescriptionA free-form text field used to capture additional information text entries from URLA associated with improvements made on the property being refinanced. Collected on the URLA in Section II (Refinance - Describe Improvements Made).URLASubject PropertyUnderwritingString
Refinance Proposed Improvements AmountThe total dollar amount of the improvements to be made to subject property being refinanced. Collected on the URLA in Section II (Refinance - Cost of Improvements To Be Made).URLASubject PropertyUnderwritingMoney
Refinance Proposed Improvements DescriptionA free-form text field used to capture additional information text entries on the URLA associated with the improvements to be made on property being refinanced. Collected on the URLA in Section II (Refinance - Describe Improvements To Be Made).URLASubject PropertyUnderwritingString
Refinance Servicer Loan IdentifierThe current servicer loan number for a loan being refinanced.(not specified)(not specified)Service orderingString
Relocation New Employer TypeSpecifies the conditions under which the borrower is relocating whether for a position with an existing employer or with a new employer.LenderUW CaseUnderwritingEnumerated:
  • Current Employer:
  • New Employer:
Remaining TermThe remaining term of this loan, in months.(not specified)(not specified)SecondaryNumeric
Request DateTimeA system generated datetime stamp enclosed within each request to identify the initiation time of the request.(not specified)Service OrderService ordering, Credit Reporting, FloodDate/Time
Request Other Action DescriptionThe action requested by the customer to be taken by the fulfillment party for a generic request.(not specified)(not specified)Service ordering, Credit ReportingString
Request TypeDescribes the type of request within a request group (i.e. related to the specific service referenced in the request).(not specified)Service OrderService ordering, Credit Reporting, FloodEnumerated:
  • Credit: Credit Report
  • Escrow: Credit Report
  • Flood: Flood Data Service
  • OtherRequest: Other Request Type
  • Tax: Tax Services
  • Title: Title Services
  • Valuation: Property Valuation/Appraisal
Requested Interest Rate PercentThe interest rate that is being requested on the loan application. Collected on the URLA in Section I (Interest Rate).URLAApplicationUnderwritingNumeric(8,7)
Residence Address 1The unstructured street address at which the borrowers residence is located. Collected on the URLA in Section III (Present Address).URLABorrowerCredit Reporting, MI, Secondary, UnderwritingString
Residence Address 2The unit number (if any) of the address of the borrowers residence. Collected on the URLA in Section III (Present Address).URLABorrowerCredit Reporting, MI, UnderwritingString
Residence Apartment Or UnitThe apartment or unit number (if any) of the address of the borrowers residence. Collected on the URLA in Section III (Present Address).URLABorrowerService ordering, Credit Reporting, Flood, MI, UnderwritingString
Residence CityThe name of the city in which the borrowers residence is located. Collected on the URLA in Section III (Present Address).URLABorrowerCredit Reporting, MI, Secondary, UnderwritingString
Residence CountryThe name of the country in which the borrowers residence is located if not in USA.URLABorrowerCredit Reporting, MI, UnderwritingString
Residence Direction PrefixThe Direction Prefix address component of the borrowers residence. (N, S, E, W, NW, SW, NE, SE).URLABorrowerService ordering, Credit Reporting, FloodString
Residence Direction SuffixThe direction suffix address component of the borrowers residence.URLABorrowerService ordering, Credit Reporting, FloodString
Residence House NumberThe house number or building number address component of the borrowers residence.URLABorrowerService ordering, Credit Reporting, FloodString
Residence Military APO FPOThe military APO or FPO address component of the borrowers residence.URLABorrowerService ordering, Credit ReportingString
Residence Post Office BoxThe post office box address component of the borrowers residence. For a borrower residence, it is normally part of a rural route address.URLABorrowerService ordering, Credit ReportingString
Residence Postal CodeThe postal code (zip code in the US) of the address of borrowers residence. Zip code may be either 5 or 9 digits. Collected on the URLA in Section III (Present Address).URLABorrowerCredit Reporting, MI, Secondary, UnderwritingString
Residence Rural RouteThe rural route address component of the borrowers residence. Sometimes combined with a Post Office Box.URLABorrowerService ordering, Credit ReportingString
Residence StateThe name of the state in which the borrowers residence is located. Collected on the URLA in Section III (Present Address).URLABorrowerCredit Reporting, Flood, MI, Secondary, UnderwritingString
Residence Street NameThe street name address component of the borrowers residence.URLABorrowerService ordering, Credit Reporting, FloodString
Residence Street SuffixThe street suffix address component of the borrowers residence. (ST, AV, BV, CT, PL, etc. - use USPS approved abbreviations).URLABorrowerService ordering, Credit Reporting, FloodString
Residency Basis TypeThe basis on which borrower lives/lived at the indicated address. Could be either current or prior address. Collected on the URLA in Section III (Present Address or Former Address).URLABorrowerCredit Reporting, UnderwritingEnumerated:
  • Living Rent Free: Borrower lives/lived at indicated address without paying rent (e.g., parents home).
  • Own: Borrower lives/lived at indicated address as an owner.
  • Rent: Borrower lives/lived in rented dwelling at indicated address
  • Unknown: Basis on which borrower lived at indicated address is not known.
Residency Duration YearsThe number of years the borrower resided at the indicated address. Could be either current or prior address. Collected on the URLA in Section III (Present Address or Former Address).URLABorrowerCredit Reporting, MI, Secondary, UnderwritingNumeric
Response DateTimeA system generated datetime stamp enclosed within each response to identify the initiation time of the response.(not specified)(not specified)Service ordering, Credit Reporting, FloodDate/Time
Response DestinationSupply the name appropriate for the Response Method selected. For example, for Email give an email address, for Fax give a telephone number. (See enumerated list in Response Method).(not specified)Service OrderCredit Reporting, Flood, MIString
Response Format TypeDesignate the response format type for the service or product being requested. The format options are Text, PCL, PDF, XML or Other. If Other is selected, enter the format in Response Format Other.Service RequestCreditCredit Reporting, MIEnumerated:
  • Other: Enter description in Response Format Other.
  • PCL: A report formated with graphic PCL (Print Control Language) commands.
  • PDF: A formatted text report in the Adobe PDF (Portable Document Format).
  • Text: A formatted text report.
  • XML: XML format.
Response Method TypeSpecifies the method for delivering the credit report - Email, Fax, File, FTP, HTTP, etc. The destination information is listed in the Response Destination element.RequestCreditCredit Reporting, MIEnumerated:
  • Fax: Supply a telephone number
  • File: Supply a path and file name
  • FTP: Supply a URL
  • HTTP: Supply a URL
  • HTTPS: Supply a secure URL.
  • Mail: Supply a mailing address
  • Message Queue: Supply a queue name
  • Other: Specify in Delivery Method Other element
  • SMTP: Supply an email address.
  • VAN: Supply a mailbox ID
Response TypeDescribes the type of reponse being provided within the response group.(not specified)Service ResponseService ordering, FloodEnumerated:
  • Credit: Credit Report
  • Escrow: Escrow/Settlement/Closing Services
  • Flood: Flood Data Services
  • Other Response: Other Response
  • Tax: Tax
  • Title: Title Services
  • Valuation: Property Valuation/Appraisal
Sales Concession AmountThe dollar amount of the value of sales concessions granted by an interested party including such items as furniture, carpeting, decorator allowances, automobiles, vacations, securities, giveaways or other sales incentives.LPUW CaseUnderwritingMoney
Scheduled First Payment DateThe date of the first scheduled mortgage payment to be made by the borrower under the terms of the mortgage.LPUW CaseMI, UnderwritingDate/Time
Schooling YearsThe number of years the borrower has attended school. Collected on the URLA in Section III (Yrs. School).URLABorrowerUnderwritingNumeric
Secondary Financing Refinance IndicatorIndicates whether a subordinate mortgage will be paid off by the refinance and rolled into the new first mortgage balance. Used for refinances.LPUW CaseUnderwritingBoolean
Section of Act TypeIdentifies the section of the National Housing Act used in underwriting government loans. Used for VA or FHA loan evaluations.FHAFHA/VAUnderwritingEnumerated:
  • 203(b): Basic Program, Purchases, Refinances
  • 203(b)/251: Purchase, Refinances / ARM - Veteran Status
  • 203(b)2: Purchase, Refinances - Veteran Status
  • 203(h):
  • 203(I):
  • 203(k): A first mortgage that covers the costs of rehabilitation and purchase or refinance of an eligible property. A HUD program.
  • 203(k)/251: Purchase, Rehab/ARM
  • 221(d)(2): Low and Moderate Income/ARM
  • 221(d)(2)/251: Low and Moderate Income/ARM
  • 231:
  • 234 c: Condominium
  • 234 c/251: Condominium/ARM
  • 249:
Self Employed Business Ownership PercentThe percent of ownership a borrower has in a business in which the borrower is self-employed.BorrowerAssetCredit Reporting, UnderwritingNumeric(8,7)
Self-Employment Income IndicatorIndicates whether the borrowers indicated Income Type from self-employment. Used for both current and prior income.URLAIncomeUnderwritingBoolean
Seller Paid Conventional Closing Costs AmountThe estimated closing costs that the seller of the subject property will pay. Collected on the URLA in Section VII line k.URLAApplicationMI, UnderwritingMoney
Seller Paid FHA/VA Closing Costs AmountThe estimated closing costs that the seller of the subject property will pay excluding points plus any seller paid prepaid items. Used for FHA and VA loans.FHAFHA/VAUnderwritingMoney
Seller Paid FHA/VA Discount Points AmountThe dollar amount of the discount points that the seller of the property will pay for FHA and VA loans.FHAFHA/VAUnderwritingMoney
Seller Paid FHA/VA Discount Points PercentThe discount points which will be paid by the seller of the property. Used for FHA and VA loans. Must be stated as a percentage of the loan amount.FHAFHA/VAUnderwritingNumeric(8,7)
Separate Maintenance Owed To NameThe unstructured name of the person to whom a separate maintenance amount is owed by the borrower. Collected on the URLA in Section VI (Liabilities Separate Maintenance Owed To).URLALiabilityUnderwritingString
Service Bureau Client IdentifierA code assigned by the service bureau to identify their client.MIMIMIString
Service Bureau IdentifierA code assigned by the MI industry to identify the service bureau provider.MIMIMIString
Servicing Fee PercentageThe servicing fee, expressed as a percentage, for this loan.(not specified)(not specified)SecondaryNumeric
Status CodeCode values exchanged between business partners relating to the condition of a status message. (not specified)(not specified)Service ordering, Credit Reporting, FloodString
Status ConditionDescribes the severity of a status message.(not specified)(not specified)Service ordering, Credit Reporting, FloodString
Status DescriptionText describing specific details of a status message.(not specified)(not specified)Service ordering, Credit Reporting, FloodString
Status NameBusiness name for the value shown in the Status Code data element.(not specified)(not specified)Service ordering, Credit Reporting, FloodString
Stock/Bond/Mutual Fund NameThe unstructured name of the entity issuing stocks or bonds that the borrower has disclosed as an asset. Collected on the URLA in Section VI Assets (Stocks & Bonds).URLAAssetCredit Reporting, UnderwritingString
Stock/Bond/Mutual Fund Share CountThe number of shares associated with the stocks or bonds that the borrower has disclosed (named) as an asset. Collected on the URLA in Section VI Assets (Stocks & Bonds).URLAAssetCredit Reporting, UnderwritingNumeric
Subject Loan Resubordination IndicatorIndicates whether the liability will be re-subordinated to the subject loan after closing.BorrowerLiabilityUnderwritingBoolean
Subordinate Lien - Affordable Second AmountThe dollar amount of the affordable second subordinate lien on the subject property. A subordinate lien is a lien or encumbrance on real estate whose priority is inferior to anothers recorded interest in the same property. An affordable second is a mortgage on the subject property used to supply some portion of the Purchase Price granted to facilitate home ownership initiatives where the terms allow for postponement or waiver of repayment, and/or is granted by a community based housing initiative entity. Collected on the URLA in Section VII line j.URLAApplicationUnderwritingMoney
Subordinate Lien - Closed End Second AmountThe dollar amount of the closed end second lien on the subject property. A subordinate lien is a lien or encumbrance on real estate whose priority is inferior to anothers recorded interest in the same property. A closed end second is a mortgage under which the mortgagor is prohibited from borrowing additional funds under the same mortgage. Collected on the URLA in Section VII line j.URLAApplicationUnderwritingMoney
Subordinate Lien - HELOC AmountThe current dollar amount of the Home Equity Line of Credit (HELOC) subordinate lien on the subject property. A subordinate lien is a lien or encumbrance on real estate whose priority is inferior to anothers recorded interest in the same property. A HELOC is an open ended loan, usually recorded as a second mortgage, that permits borrowers to obtain cash advances based on an approved line of credit. Collected on the URLA in Section VII line j.URLAApplicationUnderwritingMoney
Subordinate Lien - Seller Take Back AmountThe dollar amount of the seller take back subordinate lien on the subject property. A subordinate lien is a lien or encumbrance on real estate whose priority is inferior to anothers recorded interest in the same property. A seller take back mortgage is a mortgage secured by the subject property payable by borrower to seller of property, accepted by seller in lieu of cash for some portion of the purchase price. Collected on the URLA in Section VII line j.URLAApplicationUnderwritingMoney
Subsequent Payment Adjustment MonthsThe number of months between the subsequent payment adjustments. If the subject mortgage payments can change by means other than a rate adjustment.LenderProductMI, UnderwritingNumeric
Subsequent Rate Adjustment MonthsThe number of months between the subsequent rate adjustments. If the interest rate on the subject loan can change.LenderProductMI, UnderwritingNumeric
Taxes and Insurance Payment AmountThe portion of the monthly payment for the loan that pays for taxes and insurance.(not specified)(not specified)SecondaryNumeric
Third Party NameIf mortgage was originated by third party, enter third party name.1008(not specified)MIString(50)
Title Manner Held TypeDescribes how the borrower(s) will hold title on the subject property. Collected the URLA in Section II (Manner in which Title Will Be Held) as a free-form text field.URLAApplicationUnderwritingEnumerated:
  • Joint With Other Than Spouse: Undivided, undifferentiated real estate ownership rights in the property under applicable state law are vested in more than one person, none of which are married to one another.
  • Joint With Spouse: Undivided, undifferentiated real estate ownership rights in the property under applicable state law are vested in a person and in that persons spouse.
  • Sole: Undivided, undifferentiated real estate ownership rights in the property under applicable state law are vested in only one person.
Titleholder NameName(s) of the individual or entity that will hold title to the property. Collected on the URLA in Section II (Title Will Be Held).URLAApplicationUnderwritingString
Total Loan PaymentThe total payment for this loan.(not specified)(not specified)SecondaryNumeric
Unpaid Principal BalanceThe current unpaid principal balance on the loan.(not specified)(not specified)SecondaryNumeric
VA Entitlement AmountThe dollar amount of guarantee by the VA available to the veteran borrower.BorrowerFHA/VA UnderwritingMoney
VA Household Size Size of household at the loan level as defined by the VA. The lender must meet VA requirements for determining the size of household.LPFHA/VAUnderwritingNumeric
VAResidualIncomeAmountThe dollar amount of the monthly balance of funds available for family support after meeting the borrowers shelter expenses, debts, and taxes as defined by the VA.VAFHA/VAUnderwritingMoney
Verification CommentAny remarks by the person specified in the Verification By Name about the data in the record.(not specified)VerificationCredit ReportingString
Verification Status TypeThis attribute indicates the status of the verification - verified, not verified, or to be verified.(not specified)VerificationCredit Reporting, Flood, UnderwritingEnumerated:
  • Not Verified:
  • To Be Verified:
  • Verified:
Verification TypeSpecifies the type of record that is verified.(not specified)VerificationCredit Reporting, Flood, UnderwritingEnumerated:
  • Asset:
  • Credit Inquiry:
  • Employment:
  • Liability:
  • Other:
  • Public Record:
  • Standardized Address: USPS address for a particular property
Verified By NameThe name or initials of the person who verified information in the record.(not specified)VerificationCredit ReportingString
Verified DateThe date that the information in the record was verified.(not specified)VerificationCredit ReportingDate/Time
Veteran Status IndicatorIndicates whether the borrower qualifies as a Veteran under HUD guidelines and that the loan application should be evaluated as a 203(b)(2) Veteran Loan. If any borrower qualifies as a Veteran under VA guidelines then the loan (including all borrowers) may be processed as a VA loan application.LenderDeclarationsUnderwritingBoolean