Logical data dictionary

Note: This page may take up to several minutes to display due to its size.

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

Permission to use, copy, modify, and distribute the MISMO
DTD and its accompanying documentation for any purpose and without
fee is hereby granted in perpetuity, provided that the above copyright
notice and this paragraph appear in all copies. The copyright holders make
no representation about the suitability of the DTD for any purpose.

Processes included in this dictionary:

Credit Reporting, MI, Secondary, Underwriting, Service ordering

Name	Description	Source	Context	Processes	Datatype
Agency Case Identifier	The FHA-assigned case number for FHA loans or VA-assigned case number for VA loans. The number is used by the FHA or VA to identify a loan. Collected on the URLA in Section I (Agency Case Number).	URLA	Application	Underwriting	Numeric
Alimony Child Support Obligations Indicator	Borrowers declaration regarding obligations for alimony, child support, etc. Collected on the URLA in Section VIII line g.	URLA	Declarations	Credit Reporting, Underwriting	Boolean
Alimony Owed To Name	The unstructured name of the person to whom alimony payments are owed by the borrower. Collected on the URLA in Section VI (Liabilities Alimony Owed To).	URLA	Liability	Underwriting	String
Alterations Improvements and Repairs Conventional Amount	The cost of any alterations, improvements, repairs and rehabilitation to be made on the subject property. Collected on the URLA in Section II((b)Cost of Improvements) for construction loans and refinance loans. Also collected on the URLA in Section VII line b.	URLA	Application	Underwriting	Money
Alterations Improvements and Repairs FHA/VA Amount	The dollar amount of improvements and repairs to be financed by the borrower, if reflected in the appraised value or if required by the appraiser for VA/FHA loans. Collected on the URLA in Section VII line b.	URLA	Application	Underwriting	Money
Annual Percentage Rate Percent	The annual percentage rate (APR) for this loan.	(not specified)	(not specified)	Secondary	Numeric
Application Interviewer Signed Date	The date on which the interviewer obtained HMDA information and signed the loan application. Collected on the URLA in Section X (Interviewers Signature Date).	URLA	Parties to Transaction	Credit Reporting, Underwriting	Date/Time
Application Taken Method Type	Specifies the method used to take the application as determined by the interviewer. Collected on the URLA in Section X (This Application Was Taken By).	URLA	Application	Credit Reporting, Underwriting	Enumerated: Face-to-face: Application was taken in a face to face interview. Mail: Application was taken by mail Telephone: Application was taken over the telephone.
Appraisal Effective Date	Effective date of the appraisal report on the subject property.	Valuation	Appraisal	Service ordering, Underwriting	Date/Time
Appraisal Method Type	Method used by the appraiser to arrive at the appraised value.	Valuation	Appraisal	Service ordering, MI, Underwriting	Enumerated: Automated Valuation Method: Broker's Price Opinion: Drive By: Full Appraisal:
Appraisal Property Condition Type	Indicates status of property and conditions under which the appraiser estimated value.	Valuation	Appraisal	Service ordering, MI, Underwriting	Enumerated: As Is: Subject to Completion per Plans and Specifications: Subject To Repairs Alterations Inspections Or Conditions:
Appraiser License Identifier	State license number of the appraiser who completed the final estimate of value for the subject property.	Valuation	Appraisal	MI, Underwriting	String
Appraiser Name	Full name of the appraiser who completed the final estimate of value for the subject property.	Valuation	Appraisal	MI, Underwriting	String
ARM Conversion Option Indicator	Indicates whether the adjustable rate mortgage (ARM) has the option to convert to a fixed rate mortgage.	LP	Product	Underwriting	Boolean
ARM Index Current Value Percent	The current value stated as a percent of the index used to calculate the initial interest rate for an adjustable rate mortgage. Could be the value of the index as of the closing date or if the loan has not closed the current index rate.	LP	Product	MI, Underwriting	Numeric(8,7)
ARM Index Margin Percent	The percentage stated in the loan program representing the spread between the ARM Index value and the mortgage interest rate. The gross mortgage margin is added to the index value to establish a new gross coupon rate.	Lender	Product	MI, Underwriting	Numeric(8,7)
ARM Index Type	Specifies the type of index to be used to determine the interest rate at each adjustment.	LP	Product	MI, Underwriting	Enumerated: 1 Year Treasury: 11th District Cost of Funds: 3 Year Treasury: 6-Month Treasury Bill: Daily Certificate of Deposit Rate: Fannie Mae 60-Day Required Net Yield: Fannie Mae LIBOR: Federal Cost of Funds: Freddie Mac 60-Day Required Net Yield: Freddie Mac LIBOR: London Interbank Offered Rate: Monthly Average Constant Maturing Treasury: National Average Contract Rate (FHLBB): National Monthly Median Cost of Funds: Other: Treasury Bill Daily Value: Wall Street Journal LIBOR: Weekly Average Certificate of Deposit Rate: Weekly Average Constant Maturing Treasury: Weekly Average Prime Rate: Weekly Average Secondary Market Treasury Bill - Investment Yield: Weekly Average Treasury Auction Average - Bond Discount Yield: Weekly Treasury Auction Average - Investment Yield:
ARM Qualifying Rate Percent	The rate used to calculate the borrowers PITI to qualify the borrower for the subject mortgage for ARM loans.	Lender	Product	MI, Underwriting	Numeric(8,7)
Arms Length Indicator	Indicates whether the loan transaction can be described as an arms length transaction. An arms length transaction is defined as a transaction in which the parties involved are entirely independent of each other, deal with each other as strangers, and have no reason for collusion.	LP	UW Case	Underwriting	Boolean
Asset Account Identifier	A unique identifier of the borrowers asset. Collected on the URLA in Section VI (Assets).	URLA	Asset	Credit Reporting, Underwriting	String
Asset Cash or Market Value Amount	The dollar amount of the cash or market value of the borrowers Asset Type. The market value is the price at which an asset is transferred between a willing buyer and a willing seller, each of whom has a reasonable knowledge of all pertinent facts and neither being under any compulsion to buy or sell. (e.g., IBMs closing quote) Market value and cash values tend to be equal. Collected on the URLA in Section VI (Assets).	URLA	Asset	Credit Reporting, Underwriting	Money
Asset Description	A free-form text field used to capture additional information or a description of the borrowers asset. Collected on the URLA in Section VI (Assets - Other Assets Itemize).	URLA	Asset	Credit Reporting, Underwriting	String
Asset Face Value Amount	The dollar amount of the face value of the borrowers Asset Type. The face value is the par value or actual selling price of the asset or the amount the issuer contracts to repay. (Collected on the URLA in Section VI (Assets - Face Amount Life Insurance).	URLA	Asset	Credit Reporting, Underwriting	Money
Asset Holder Address 1	The unstructured street address of the individual or institution holding the borrowers asset (e.g., checking). Collected on the URLA in Section VI (Assets).	URLA	Asset	Credit Reporting, Underwriting	String
Asset Holder Address 2	The unit or suite number (if any) of the address of the individual or institution holding the borrowers asset. Collected on the URLA in Section VI (Assets).	URLA	Asset	Credit Reporting, Underwriting	String
Asset Holder City	The city in which the individual or institution holding borrowers asset is located. Collected on the URLA in Section VI (Assets).	URLA	Asset	Credit Reporting, Underwriting	String
Asset Holder Country	The country in which the individual or institution holding the borrowers asset is located if not the U.S.A. Collected on the URLA in Section VI (Assets).	URLA	Asset	Credit Reporting, Underwriting	String
Asset Holder Name	The unstructured name of the individual or institution that holds the borrowers asset (e.g., bank name for checking account). Collected on the URLA in Section VI (Assets).	URLA	Asset	Credit Reporting, Underwriting	String
Asset Holder Postal Code	The postal code (zip code) of the address of the individual or institution holding the borrowers asset. Collected on the URLA in Section VI (Assets).	URLA	Asset	Credit Reporting, Underwriting	String
Asset Holder State	The state in which the individual or institution holding the borrowers asset is located. Collected on the URLA in Section VI (Assets).	URLA	Asset	Credit Reporting, Underwriting	String
Asset Net Cash Value Amount	The dollar amount of the net cash value of the borrowers Asset Type. The net cash value is the market value of an asset less any required reductions. (E.g., value of IRA after paying taxes, penalties and loans) Collected on the URLA in Section VI (Assets - Life Insurance Net Cash Value).	URLA	Asset	Credit Reporting, Underwriting	Money
Asset Type	Specifies the general names (type) of items commonly listed as financial assets of the borrower(s) in a mortgage loan transaction. Assets may be either liquid or fixed and are associated with a corresponding asset amount. Collected on the URLA in Section VI (Assets).	URLA	Asset	Credit Reporting, Underwriting	Enumerated: Automobile: Car or similar personal transportation vehicle disclosed as borrowers asset. Usually linked to make or model and year. Typical valuation method is market (blue book). Collected on the URLA in Section VI (Assets). Bond: An interest-bearing certificate of debt with maturity date. An obligation of issuing entity. Typical valuation is face value (e.g., $1,000 denomination) & market (e.g., value of 4% bond when yields are 6%). Collected on the URLA in Section VI (Assets - Stocks & Bonds). Bridge Loan Not Deposited: Proceeds of a loan (secured by borrowers present house) to provide homebuyer with funds for down payment & closing costs on a new home before selling present house, which have not yet been deposited to borrowers accounts or included with other assets disclosed. Collected on the URLA in Section VI (Assets - Other Assets). Cash On Hand: Currency physically possessed by borrower, not deposited in any financial institution. Considered liquid. Collected on the URLA in Section VI (Assets - Other Assets). Certificate of Deposit / Time Deposit: Certificates issued by financial institutions with a stated term or interest rate, and with a set maturity date. The bank pays the holder in due course at maturity. Early withdrawal subject to penalty. Considered liquid. Collected on the URLA in Section VI (Assets). Checking Account: Transaction account with a financial institution. Accounts purpose is to effect transfer of owners funds to others by various methods (e.g., check, EFT, ACH, draft). Technical name is demand deposit account (DDA). Considered liquid. Collected on the URLA in Section VI (Assets - Checking Account). Earnest Money Cash Deposit Toward Purchase: Deposit made to bind the conditions of a real estate sale. Deposited in escrow account controlled by others, so funds cannot be included in disclosure in any other account. Collected on the URLA in Section VI (Assets - Cash Deposit). Gifts Not Deposited: Money given as gift (no repayment expected) to Borrowers to assist in home purchase, usually from relatives or close friend, where gift funds have not yet been deposited or included with other assets. Collected on the URLA in Section VI (Assets - Other Assets). Grants Not Deposited: Money scheduled to be given as grant (no repayment expected) to Borrowers to assist in home purchase, usually from local organization or charity, where grant funds have not yet been deposited to borrowers accounts or included with other assets. Collected on the URLA in Section VI (Assets - Other Assets). Life Insurance: A life insurance policy with a value or investment component. Details of amounts for each policy collected on URLA in Section VI (Assets - Life Insurance Face Amount) or Accumulated investment cash value of life insurance policy, net of any loans against that amount. Detail of amounts for each policy collected on URLA in Section VI (Assets - Life Insurance Net Cash Value). Money Market Fund: Mutual fund that allows individuals to participate in managed investments in short-term debt securities, such as certificates of deposit and Treasury bills. Considered liquid. Collected on the URLA in Section VI (Assets). Mutual Fund : Financial entity that invests its shareholders funds in stocks and bonds of other entities with the objective of obtaining a return on its shareholders investment. Collected on the URLA in Section VI (Assets - Stocks & Bonds). Net Worth of Business Owned: For a business owned by borrower, the amount resulting from the calculation Assets minus liabilities. Collected on the URLA in Section VI (Assets - Net Worth of Business). Other Liquid Assets: General category to disclose detail of other borrower assets that have a ready market where a quick sale would yield the amount disclosed (e.g., commodity contract, certain currencies or coins). Typically has free text description. Collected on the URLA in Section VI (Assets - Other Assets). Other Non-Liquid Assets: General category to disclose detail of other borrower assets that have little ready market (e.g., statues). Typically has FREE TEXT description. Collected on the URLA in Section VI (Assets - Other Assets). Pending Net Sale Proceeds from Real Estate Assets: Estimated net cash proceeds (sales price - obligations) from anticipated sale of borrowers real estate assets. Real Estate Owned: Market value of real estate owned by the borrower. Collected on the URLA in Section VI (Schedule of Real Estate Owned). Retirement Funds - Total: Sum of all 401ks, IRAs, etc. controlled by borrower(vested) valued at market. Collected on the URLA in Section VI (Assets - Vested Retirement Fund). Savings Account: Interest-paying account with a financial institution whose main purpose is to earn interest on owners funds held therein. This is NOT a demand deposit account. Considered liquid. Collected on the URLA in Section VI (Assets - Savings Account). Secured Borrowed Funds Not Deposited: Proceeds from a loan secured by borrowers assets, which have not yet been deposited to borrowers accounts or included with other assets disclosed. Considered liquid. Collected on the URLA in Section VI (Assets - Other Assets). Stock: Financial instrument evidencing an ownership interest in entity that issued the stock. Typical valuation method is Market. Collected on the URLA in Section VI (Assets - Stocks & Bonds). Trust Account: Fiduciary relationship where legal title to a property is transferred to a trustee with the intention the property be administered by the trustee for benefit of the beneficiary, who holds equitable title to such property. Collected on the URLA in Section VI (Assets - Other Assets).
Asset Verification Status Type	Specifies the verification status associated with the borrowers corresponding asset type.	Lender	Asset	Credit Reporting, Underwriting	Enumerated: Not Verified: Data related to the asset has not been verified. To Be Verified: Data related to the asset is to be verified, but has not been verified. Verified: Data related to the asset has been verified.
Asset Verified By Name	The name or initials of the person who verified information in the record.	Credit Report	Credit	Credit Reporting	String
Asset Verified Comment	Any remarks by the person specified in the Verified By person about the data in the record.	Credit Report	Credit	Credit Reporting	String
Asset Verified Date	The date that the information in the record was verified.	Credit Report	Credit	Credit Reporting	Date/Time
Asset Vested Value Amount	The vested dollar amount of the borrowers Asset Type. A vested interest is a legal claim or right to the present or future enjoyment of the asset. (E.g. Typically borrowers 401K or similar retirement plan.) Collected on the URLA in Section VI (Assets Vested Interest in Retirement Fund).	URLA	Asset	Credit Reporting, Underwriting	Money
Authorized Representative Name	The unstructured name of the authorized representative employed by the lender.	Lender	Parties To Transaction	MI	String
Automobile Make Description	A free-form text field used to capture the make and model of borrowers vehicle disclosed as asset. Collected on the URLA in Section VI Assets (Automobiles Owned).	URLA	Asset	Credit Reporting, Underwriting	String
Automobile Model Year	A free-form text field used to capture the model year of borrowers vehicle disclosed as asset. Collected on the URLA in Section VI Assets (Automobiles Owned).	URLA	Asset	Credit Reporting, Underwriting	String
Bankruptcy Past Seven Years Indicator	Borrowers answer to the question: Have you been declared bankrupt within the past 7 years? Collected on the URLA in Section VII line b.	URLA	Declarations	Credit Reporting, Secondary, Underwriting	Boolean
Base Loan Amount	The base loan amount to be loaned to the borrower not including PMI, MIP, or Funding Fee. Collected on the URLA in Section VII line m.	URLA	Application	Service ordering, MI, Underwriting	Money
Basis for Loan Qualification Type	A statement made by two borrowers on a single loan application indicating whether or not the income and assets of another person (including spouse) will be used as a basis for loan qualification. Collected on the URLA in the Header Paragraph - Check Box.	URLA	Application	Underwriting	Enumerated: Income and assets of a person/s other than the borrower will be used: The income or assets of a person other than the borrower (including the borrower’s spouse) will be used as a basis for loan qualification Income and assets of person/s other than the borrower will not be used: The income or assets of the borrower’s spouse will not be used as a basis for loan qualification, but his or her liabilities must be considered because the borrower resides in a community property state, the security property is located in a community pro
Below Market Subordinate Financing Provided Indicator	Indicates whether the seller provided below-market subordinate financing.	Lender	UW Case	Underwriting	Boolean
Borrowed Down Payment Indicator	Borrowers answer to the question: Is any of the down payment borrowed? Collected on the URLA in Section VII line h.	URLA	Declarations	Credit Reporting, Underwriting	Boolean
Borrower Alias Account Identifier	A unique identifier of the account under which credit has been granted to the borrower while using the identified alias (alternate name.) Collected on the URLA in Assets and Liabilities Section (Account Number).	URLA	Borrower	Service ordering, Credit Reporting, Underwriting	String
Borrower Alias Creditor Name	The unstructured name of the grantor of credit to the borrower while using the identified alias (alternate name). Collected on the URLA in Section Assets and Liabilities (Creditor Name).	URLA	Borrower	Service ordering, Credit Reporting, Underwriting	String
Borrower Alias Name	Any additional name under which the borrower may have been granted credit. (e.g. maiden name) Collected on the URLA in Section Assets and Liabilities (Alternate Names)	URLA	Borrower	Service ordering, Credit Reporting, Underwriting	String
Borrower Application Signed Date	The date that the borrower signed the loan application. Collected on the URLA in Section IX (Borrowers Signature Date).	URLA	Borrower	Credit Reporting, Underwriting	Date/Time
Borrower Birth Date	Borrowers date of birth. Collected in lieu of AGE in URLA, Section III, second line, third field.	URLA	Borrower	Service ordering, Credit Reporting, Underwriting	Date/Time
Borrower Canadian Social Insurance Number	The Canadian Social Insurance Number associated with the borrower.	URLA	Borrower	MI, Underwriting	Numeric
Borrower Dun and Bradstreet Identifier	The DUNS number associated with the borrower if the borrower is a non-person entity.	Borrower	Borrower	Underwriting	Numeric
Borrower Entity Type	Defines the borrower entity type.	MI Order	MI	Service ordering, MI	Enumerated: Non-Person: Person:
Borrower Financed Conventional Discount Points Amount	The dollar amount that the borrower will finance to buydown the interest rate. Note: Discount points financed and not financed by borrower are equal to the Discount Points Total Amount.	Lender	Application	Underwriting	Money
Borrower Financed FHA/VA Discount Points Amount	The dollar amount of discount points allowable by the applicable FHA guidelines to be financed by the borrower on a FHA no cash out refinance. Used for FHA and VA loans. Note: Discount points financed and not financed by borrower are equal to the Discount Points Total Amount Paid by Borrower - FHA.	FHA	FHA/VA	Underwriting	Money
Borrower First Name	The first name of the borrower. Collected on the URLA in Section III (Borrowers Name).	URLA	Borrower	Service ordering, Credit Reporting, MI, Secondary, Underwriting	String
Borrower First Time Homebuyer Indicator	Indicates that the borrower qualifies as a first time homebuyer as determined by the lender. (Note: The 3 year rule used in the Declarations alone is not sufficient.)	Lender	Declarations	MI, Secondary, Underwriting	Boolean
Borrower Funding Fee Percent	The funding fee percentage due from the borrower. The fee is entered as a percentage.	Lender	Underwriting Case	Underwriting	Numeric
Borrower Last Name	The last name of the borrower. Collected on the URLA in Section III (Borrowers Name).	URLA	Borrower	Service ordering, Credit Reporting, MI, Secondary, Underwriting	String
Borrower Middle Name	The middle name of the borrower. Collected on the URLA in Section III (Borrowers Name).	URLA	Borrower	Service ordering, Credit Reporting, MI, Underwriting	String
Borrower Name Suffix	The name suffix of the borrower. (E.g., JR = Junior, SR = Senior, etc.) Collected on the URLA in Section III (Borrowers Name).	URLA	Borrower	Service ordering, Credit Reporting, MI, Underwriting	String
Borrower Non-primary Residence Present Housing Expense Payment Amount	The dollar amount per month of the borrowers current housing expense type for their non-primary residence. Collected on the URLA in Section VI (Schedule of Real Estate Owned.)	URLA	Expense	Underwriting	Money
Borrower Paid Conventional Discount Points Total Amount	The total dollar amount of discount points that are paid by the borrower. Collected on the URLA in Section VII line h.	URLA	Application	Underwriting	Money
Borrower Paid FHA/VA Closing Costs Amount	The estimated dollar amount of closing costs that will be paid by the borrower on the subject property excluding discount points and prepaid items. Used for FHA and VA loans.	FHA	FHA/VA	Underwriting	Money
Borrower Paid FHA/VA Discount Points Percent	The discount points that the borrower will pay.Used for FHA and VA loans. Must be stated as a percentage of the loan amount.	FHA	FHA/VA	Underwriting	Numeric(8,7)
Borrower Paid FHA/VA Discount Points Total Amount	The total dollar amount of discount points allowable by the applicable FHA guidelines that are paid by the borrower. Used for FHA and VA loans. Collected on the URLA in Section VII line h.	FHA	FHA/VA	Underwriting	Money
Borrower Phone Home	The home telephone number of the borrower. Collected on the URLA in Section II (Home Phone).	URLA	Borrower	Service ordering, Credit Reporting, Underwriting	String
Borrower Primary Residence Present Housing Expense Payment Amount	The dollar amount per month of the borrowers current housing Expense Type for their primary residence. Collected on the URLA in Section V (Monthly Housing Expense - Present).	URLA	Expense	Underwriting	Money
Borrower Requested Loan Amount	The total dollar amount of the mortgage note being originated that is being requested by the borrower. Collected on the URLA in Section I (Amount) and in Section VII line o.	URLA	Application	Service ordering, MI, Underwriting	Money
Borrower Spouse Identifier	The Social Security Number (typically) or alternate identification number (e.g. Canadian Social Insurance Number) of the borrowers spouse. This number is used to indicate which 2 borrowers are married to each other when there are multiple borrowers involved in the transaction. .	LP	Borrower	Service ordering, Credit Reporting, Underwriting	String
Borrower Unfinanced Conventional Discount Points Amount	The dollar amount that is paid at closing from the borrowers funds to buy down the interest rate. Note: Discount points financed and not financed by borrower are equal to the Discount Points Total Amount.	Lender	Application	Underwriting	Money
Borrower Unfinanced FHA/VA Discount Points Amount	The dollar amount of discount points that are paid from the borrowers cash and are not to be financed. Used for FHA and VA loans. Note: Discount points financed and not financed by borrower are equal to the Discount Points Total Amount Paid by Borrower - FHA.	FHA	FHA/VA	Underwriting	Money
Borrower Unparsed Name	The unparsed name of a person or non-person entity that is a borrower. (E.g., DBA) Collected on the URLA in Section III (Borrowers Name).	URLA	Borrower	Service ordering, Credit Reporting, Underwriting	String
Borrower USA Social Security Number	The Social Security Number (SSN) associated with the borrower. Collected on the URLA in Section III (Social Security Number).	URLA	Borrower	Service ordering, Credit Reporting, MI, Secondary, Underwriting	Numeric
Borrower USA Tax Payer Identification Number	The US Taxpayer Identification Number (TIN) associated with the borrower. The borrower may be either a person or a non-person entity.	URLA	Borrower	Service ordering, MI, Underwriting	Numeric
Broker Contact Name	The unstructured name of the broker contact.	Lender	Parties To Transaction	MI	String
Building Status Type	Specifies the physical status of the structure.	Valuation	Appraisal	Underwriting	Enumerated: Existing: Proposed: Subject to Alteration, Improvement, Repair and Rehabilitation: Substantially Rehabilitated: Under Construction:
Business Owned Net Worth Amount	The dollar amount of the net worth of a business owned by the borrower. The net worth is the value of all assets, including cash, less total liabilities. Collected on the URLA in Section VI Assets (Net Worth of Business Owned).	Financial Statement	Asset	Credit Reporting, Underwriting	Money
Buy Price Effective Date	The date the buy price on a pool or loan becomes effective.	Secondary	Pool or Loan	Secondary	Date/Time
Buy Price Expiration Date	The date the buy price expires on a pool or loan.	Secondary	Pool or Loan	Secondary	Date/Time
Buy Price Percent	Price paid for a loan or pool, expressed as a percentage of the par value.	Secondary	Pool or Loan	Secondary	Numeric
Buydown Contributor Type	Specifies the source of the buydown funds.	Lender	Product	MI, Underwriting	Enumerated: Borrower: Builder: Employer: Lender: Non-parent Relative: Parent: Seller: Unassigned: Unrelated Friend:
Buydown Duration Months	The total number of months during which any buydown is in effect.	Lender	Product	MI, Underwriting	Numeric
Buydown Initial Adjustment Percent	The percentage by which the buydown rate adjusts at the initial payment adjustment.	Lender	Product	MI, Underwriting	Numeric(8,7)
Buydown Period To First Adjustment Months	The number of the month in which the first buydown payment adjustment occurs.	Lender	Product	MI, Underwriting	Numeric
Buydown Period To Subsequent Adjustment Months	The number of months between the subsequent buydown payment adjustments.	Lender	Product	MI, Underwriting	Numeric
Buydown Permanent Indicator	Indicates whether the buydown is permanent.	Lender	Product	Underwriting	Boolean
Buydown Rate Percent	The final bought down interest rate. The rate that the applicant will pay after the buydown is applied.	Lender	Product	MI, Underwriting	Numeric(8,7)
Buydown Subsequent Adjustment Percent	The percentage by which the buydown rate adjusts at subsequent payment adjustments after the initial adjustment.	Lender	Product	MI, Underwriting	Numeric(8,7)
Buydown Temporary Subsidy Indicator	Indicates whether there is a temporary buydown subsidy. A subsidy is money paid by the borrower or third party for the purpose of paying down the interest rate and reducing the monthly payments.	Lender	Product	MI, Underwriting	Boolean
Buydown Term Months	The total number of months over which the buydown occurs.	Lender	Product	MI, Underwriting	Numeric
Case State Type	A description of the point in the loan origination process at which the loan is being sent.	LP	UW Case	Underwriting	Enumerated: Application: Application has been taken and is being processed. Final Disposition: Final underwriting decision has been made. Post Closing Quality Control: Loan previously closed, sending to AUS for Quality Control purposed only. Pre-qualification: No Uniform Residential Loan Application (URLA) completed. Underwriting: Lender has verified all data sent to AUS.
Census Tract Identifier	Identifies census tract as defined by the U.S. Census Bureau where subject property is located.	Lender	Subject Property	Service ordering, Underwriting	String
Child Support Owed To Name	The unstructured name of the person to whom child support payments are owed by the borrower. Collected on the URLA in Section VI (Liabilities Child Support Owed To).	URLA	Liability	Underwriting	String
Citizenship Residency Type	Specifies this borrowers current Immigration and Naturalization Service (INS) status. Collected on the URLA in Section VII line j and line k.	URLA	Declarations	Credit Reporting, Underwriting	Enumerated: Non-Permanent Alien: Non-Resident Alien: Permanent Resident Alien: US Citizen:
Comaker Endorser of Note Indicator	Borrowers answer to the question: Are you a co-maker or endorser on a note? Collected on the URLA in Section VII line i.	URLA	Declarations	Service ordering, Credit Reporting, Underwriting	Boolean
Commitment Evaluation Date	The date the status of the commitment was evaluated.	(not specified)	(not specified)	Secondary	Date/Time
Commitment Evaluation Type	How often the commitment is to be tracked and evaluated.	(not specified)	(not specified)	Secondary	Enumerated: AnniversaryMonth: Calculated on the monthly anniversary of the start date. AtEndOfTerm: Calculated at the end of the commitment term only. CalendarMonth: Calculated on the first calendar day of every month.
Commitment Extension Period Days	The number of days a commitment agreement may be extended by mutual agreement of the buyer and seller, for the price given in ExtensionPrice.	(not specified)	(not specified)	Secondary	Numeric(3,0)
Commitment Extension Price	(not specified)	(not specified)	(not specified)	Secondary	String
Commitment Face Value Amount	The total face value of the commitment.	(not specified)	(not specified)	Secondary	Numeric
Commitment Max Deliverable Amount	The maximum total loan amount that will be accepted as part of this commitment, expressed as a percentage of the Commitment Amount.	(not specified)	(not specified)	Secondary	Numeric(6,3)
Commitment Maximum Price Percent	The maximum adjusted price that will be paid for this commitment, expressed as a percentage of the CommitmentAmount.	(not specified)	(not specified)	Secondary	Numeric(6,3)
Commitment Minimum Delivery Amount	The minimum total face value of loans that may be delivered under this agreement without penalty, expressed as a percentage of the CommitmentAmount.	(not specified)	(not specified)	Secondary	Numeric(6,3)
Commitment Next Evaluation Date	The date the commitment will next be evaluated.	(not specified)	(not specified)	Secondary	Date/Time
Commitment Period Delivered Amount	The amount delivered for this commitment during this time period.	(not specified)	(not specified)	Secondary	Numeric
Commitment Period Weighted Coupon Rate	The weighted coupon rate for the loans delivered for this commitment during this time period.	(not specified)	(not specified)	Secondary	Numeric(6,3)
Commitment Period Weighted Credit Score	The weighted credit score for all loans delivered during this period.	(not specified)	(not specified)	Secondary	Numeric(3,0)
Commitment Purchase Price	The price that will be paid for the commitment as specified, expressed as a percentage of the Commitment Amount.	(not specified)	(not specified)	Secondary	Numeric(6,3)
Commitment Start Date	The date the commitment agreement commences.	(not specified)	(not specified)	Secondary	Date/Time
Commitment Target Weighted Average Coupon Rate	The target weighted average interest rate for this commitment.	(not specified)	(not specified)	Secondary	Numeric(6,3)
Commitment Target Weighted Average Credit Score	The target weighted average credit score for this commitment.	(not specified)	(not specified)	Secondary	Numeric(3,0)
Commitment Term Days	The duration of the commitment in days.	(not specified)	(not specified)	Secondary	Numeric(4,0)
Commitment Total Delivered Amount	The total delivered amount towards this commitment.	(not specified)	(not specified)	Secondary	Numeric
Commitment Total Weighted Coupon Rate	The total average weighted coupon rate for the delivered loans for this commitment.	(not specified)	(not specified)	Secondary	Numeric(6,3)
Commitment Total Weighted Credit Score	The total weighted average credit score for the delivered loans for this commitment.	(not specified)	(not specified)	Secondary	Numeric(3,0)
Commitment Undelivered Amount	The amount still remaining to be delivered for this commitment.	(not specified)	(not specified)	Secondary	Numeric
Commitment Weighted Average Coupon Rate Quantization Percent	The quantization of weighted average interest rate variance (in percentage points) used when determining whether a fee variance needs to be applied.	(not specified)	(not specified)	Secondary	Numeric(6,3)
Commitment Weighted Average Coupon Rate Variation Percent	The percentage modification to the fee paid for these loans per percentage point variation in the weighted average interest rate delivered.	(not specified)	(not specified)	Secondary	Numeric(6,3)
Commitment Weighted Average Credit Score Quantization Percent	The quantization of weighted average credit score variance (in points) used when determining whether a fee variance needs to be applied.	(not specified)	(not specified)	Secondary	Numeric(3,0)
Commitment Weighted Average Credit Score Variation Percent	The percentage modification to the fee paid for these loans per point of variation in the weighted average credit score delivered.	(not specified)	(not specified)	Secondary	Numeric(6,3)
Community Reinvestment Act Status	Indicates whether either the borrower or the property for this loan falls under the Community Reinvestment Act (CRA)	(not specified)	(not specified)	Secondary	Enumerated:
Comparable Net Adjustment Amount	The sum of positive and negative adjustments to the sales price of a given comparable to derive indicated value of subject property.	Valuation	Appraisal	Service ordering, Underwriting	Money
Comparable Properties Exist Indicator	Indicates whether qualified comparable data values exist for the subject property.	Valuation	Appraisal	Service ordering, Underwriting	Boolean
Comparable Property Unadjusted Sales Price Amount	The dollar amount of the sale price of a comparable property.	Valuation	Appraisal	Service ordering, Underwriting	Money
Construction Improvement Costs Amount	The total dollar amount of additions to raw land that normally increase its value (i.e., the building) as part of a construction loan. Collected on the URAL in Section II (Construction Loan - Cost of Improvements.)	URLA	Subject Property	Underwriting	Money
Construction Loan Treatment Type	Specifies the method of treating Construction Only or the Construction to Permanent loan for the purposes of underwriting. Loans can be treated as either a new purchase or a refinance.	Lender	UW Case	Service ordering, Underwriting	Enumerated: Purchase: Treat as a purchase. Refinance: Treat as a refinance.
Contact Name	The name of individual acting as a contact for a party to the loan.	Multiple	Individuals Name	Service ordering, Credit Reporting, MI, Secondary, Underwriting	String
Contact Point Preference Indicator	This indicator is set to be true when the particular contacts Contact Point (i.e. phone number) is preferred over any others.	Multiple	(not specified)	Service ordering, Credit Reporting, MI, Secondary, Underwriting	Boolean
Contact Point Role Type	This element sets the type of role (i.e. Home, Work or Mobile) used for the Contact Point Type (Phone, Fax, Email).	Multiple	(not specified)	Service ordering, Credit Reporting, MI, Secondary, Underwriting	Enumerated: Home: The applicable Point Type applies to the contacts home. Mobile: The applicable Point Type applies to the contacts mobile (phone/fax/email). Work: The applicable Point Type applies to the contacts work.
Contact Point Type	This datum sets the Type (Phone, Fax, Email, Other) for the Contact Point Value of contact point used for the Contact Point Value.	Multiple	(not specified)	Service ordering, Credit Reporting, MI, Secondary, Underwriting	Enumerated: Email: The Contact Point Value contains an email address. Fax: The Contact Point Value contains a fax number. Other: The Contact Point Value contains some other Contact Point Type. Phone: The Contact Point Value contains a telephone number.
Contact Point Value	This is the actual value of the Contact Point Type.	Multiple	(not specified)	Service ordering, Credit Reporting, MI, Secondary, Underwriting	String
Contingent Liability Indicator	Indicates whether the liability is a contingent liability or has a co-signer. A contingent liability is one for which the borrower is responsible only under specific conditions (e.g., default of person primarily responsible).	Borrower	Liability	Underwriting	Boolean
Counseling Confirmation Type	Specifies the type of mortgage counseling or education program attended by one or more of the borrowers.	Lender	UW Case	Underwriting	Enumerated: American Homeowner Education Institute Approved Counseling: Lender Trained Counseling: No Borrower Counseling: Third Party Counseling:
Credit Bureau Address 1	The credit reporting agency street address.	Credit Bureau	Credit	Credit Reporting	String
Credit Bureau Address 2	The credit reporting agencys unit or suite number.	Credit Bureau	Credit	Credit Reporting	String
Credit Bureau City	The credit report agency city.	Credit Bureau	Credit	Credit Reporting	String
Credit Bureau Country	The country where the credit bureau is located. (No entry assumes U.S.A.).	Credit Report	Credit	Credit Reporting	String
Credit Bureau Name	The credit reporting agency used for the original credit report ordered by the loan originator.	Credit Bureau	Credit	Credit Reporting, Underwriting	String(25)
Credit Bureau Postal Code	The credit reporting agency postal code.	Credit Bureau	Credit	Credit Reporting	String
Credit Bureau State	The credit reporting agency state code	Credit Bureau	Credit	Credit Reporting	String
Credit File Alert Message Text	The credit data repository bureaus sometimes send alert messages with a credit file. Examples might be Inquiry address is an answering service, or SSN has never been issued. Its something you should take note of.	Credit Repository Bureau	Credit	Credit Reporting	String
Credit File Alert Message Type	Lists the name of the repository bureau service that generated the alert message.	Credit Repository Bureau	Credit	Credit Reporting	Enumerated: Equifax SAFESCAN: Optional product that provides alert messages for possibly fraudulent SSN, addresses and other data. Equifax SSN Verified: Optional product that validates borrowers SSN data. Experian FACS Plus: Optional product that generates alert messages for possibly fraudulent SSNs, addresses and other data. Trans Union HAWK Alert: Optional product that matches addresses, SSNs, and phone numbers against national fraud database. Trans Union Trans Alert: Optional product that highlights mismatched addresses, invalid postal codes, SSN mismatches, etc.
Credit File Borrower Age Years	The age of the borrower reported in the credit file returned from the repository bureau. The age is sometimes reported in lieu of the date of birth.	Credit Repository Bureau	Credit	Credit Reporting	Numeric
Credit File Borrower Birth Date	The birthdate of the borrower reported in the credit file returned from the repository bureau.	Credit Repository File	Credit	Credit Reporting	Date/Time
Credit File Borrower First Name	The first name of the borrower reported in the credit file returned from the repository bureau.	Credit Repository Bureau	Credit	Credit Reporting	String
Credit File Borrower Last Name	The last name of the borrower reported in the credit file returned from the repository bureau.	Credit Repository Bureau	Credit	Credit Reporting	String
Credit File Borrower Middle Name	The middle name of the borrower reported in the credit file returned from the repository bureau.	Credit Repository Bureau	Credit	Credit Reporting	String
Credit File Borrower Name Suffix	The suffix name (JR, SR, III, etc.) of the borrower reported in the credit file returned from the repository bureau.	Credit Repository Bureau	Credit	Credit Reporting	String
Credit File Borrower Unparsed Name	The full name of the borrower reported in the credit file returned from the repository bureau.	Credit Repository Bureau	Credit	Credit Reporting	String
Credit File Borrower USA Social Security Number	The Social Security Number (SSN) associated with the borrower reported in the credit file returned from the repository bureau.	Credit Repository Bureau	Credit	Credit Reporting	Numeric
Credit File Comment Text	Any type of additional comment or remark about the credit file.	Credit Report	Credit	Credit Reporting	String
Credit File Consumer Comment Text	This consumer (borrower) comment is on file with the credit data repository and has been included with this credit file.	Credit Report	Credit	Credit Reporting	String
Credit File Data Repository Source	This element describes the source of the credit file - Equifax, Experian, or Trans Union).	Credit Report	Credit	Credit Reporting	Enumerated: Equifax: Experian: Other: Trans Union:
Credit File Error Message	This error message can come either from the credit data repository or the credit bureau. It may indicate a problem with the request data, such as a bad Date of Birth or SSN, or it could be related to a system problem.	Credit Repository Bureau	Credit	Credit Reporting	String
Credit File Infile Date	The Infile Date is the date that the credit data repository first established this credit data file on this borrower.	Credit Repository Bureau	Credit	Credit Reporting	Date/Time
Credit File Owning Bureau Address 1	The full street address of the credit bureau that owns or manages the credit file being referenced.	Credit Repository Bureau	Credit	Credit Reporting	String
Credit File Owning Bureau Address 2	The unit or suite number of the credit bureau that owns or manages the credit file being referenced.	Credit Repository Bureau	Credit	Credit Reporting	String
Credit File Owning Bureau City	The city of the credit bureau that owns or manages the credit file being referenced.	Credit Repository Bureau	Credit	Credit Reporting	String
Credit File Owning Bureau Country	The country of the credit bureau that owns or manages the credit file being referenced.	Credit Repository Bureau	Credit	Credit Reporting	String
Credit File Owning Bureau Identifier	The identification number of the credit bureau that owns or manages the credit file being referenced.	Credit Repository Bureau	Credit	Credit Reporting	String
Credit File Owning Bureau Name	The full name of the credit bureau that owns or manages the credit file being referenced.	Credit Repository Bureau	Credit	Credit Reporting	String
Credit File Owning Bureau Postal Code	The postal code of the credit bureau that owns or manages the credit file being referenced.	Credit Repository Bureau	Credit	Credit Reporting	String
Credit File Owning Bureau State	The state of the credit bureau that owns or manages the credit file being referenced.	Credit Repository Bureau	Credit	Credit Reporting	String
Credit File Unparsed Address Data	This is unparsed address data reported by the repository bureaus with a credit file. The text may also include the date that the address was reported and other data.	Credit Report	Credit	Credit Reporting	String
Credit File Unparsed Employment Data	This is unparsed employment data reported by the repository bureaus with a credit file. The text may also include the date that the employment was reported and other data.	Credit Report	Credit	Credit Reporting	String
Credit File Variation Indicator	This element indicates that there was a variation from the original borrower demographics data in the request and the borrower data in the credit file. It MAY or MAY NOT belong to the borrower specified in the credit request.	Credit Repository Bureau	Credit	Credit Reporting	Enumerated: Different Address: Different Birth Date: Different Generation: Different Last Name: Different Name: Different SSN:
Credit Inquiry Data Repository Source	This element describes the source of the information provided for this credit inquiry - could be a single data repository (Equifax, Experian, Trans Union), or could be a merge of data from multiple sources.	Credit Report	Credit	Credit Reporting	Enumerated: Equifax: Equifax Credit Information Services, Inc. Experian: Experian Information Solutions, Inc. Merged Data: Data is merged from multiple sources Other: The credit account has been closed Trans Union: Trans Union Corporation
Credit Inquiry Date	The date of the credit inquiry.	Credit Report	Credit	Credit Reporting	Date/Time
Credit Inquiry Verification Status Type	Specifies the verification status associated with the borrowers corresponding credit inquiry.	Credit Report	Credit	Credit Reporting	Enumerated: Not Verified: Data related to the credit inquiry has not been verified. To Be Verified: Data related to the credit inquiry is to be verified, but has not been verified. Verified: Data related to the credit inquiry has been verified.
Credit Inquiry Verified By Name	The name or initials of the person who verified information in the record.	Credit Report	Credit	Credit Reporting	String
Credit Inquiry Verified Comment	Any remarks by the person specified in the Verified By person about the data in the record.	Credit Report	Credit	Credit Reporting	String
Credit Inquiry Verified Date	The date that the information in the record was verified.	Credit Report	Credit	Credit Reporting	Date/Time
Credit Liability Account Closed Date	The date that the credit liability account was closed by the liability holder (by either the borrower or the liability holder).	Credit Report	Credit	Credit Reporting	Date/Time
Credit Liability Account Identifier	The account number assigned to the liability account as provided by the credit repository bureau.	Credit Report	Credit	Credit Reporting	String
Credit Liability Account Opened Date	The date that the credit liability account was opened by the liability holder.	Credit Report	Credit	Credit Reporting	Date/Time
Credit Liability Account Ownership Type	Describes the ownership relation of the borrower(s) to the liability account (i.e. are they solely responsible, jointly responsible, a co-signer on the account, etc.)	Credit Report	Credit	Credit Reporting	Enumerated: Authorized User: This individual is an authorized user of this account; another individual has contractual responsibility. Co-maker: This individual has guaranteed this account and assumes responsibility should the maker default. Individual: This individual has contractual responsibility for the account and is primarily responsible for its payment. Joint - Contractual Liability: Individual has contractual responsibility to repay all debts on this account. Others associated with account may or may not have contractual responsibility. Joint - Participating: Maker: This individual is responsible for the account, with is guaranteed by a co-maker. On Behalf Of: This individual has signed an application for the purpose of securing credit for another individual, other than spouse. Terminated: No longer associated with account. Undesignated: Account ownership type has not been designated.
Credit Liability Account Paid Date	The date that the credit liability was reported paid to zero by the liability holder.	Credit Report	Credit	Credit Reporting	String
Credit Liability Account Status Date	The Status Date is the date that the accounts Current Rating was CHANGED to that status by the liability holder. If the Current Rating status is Bankruptcy, for example, the Status Date would be when the account first went into bankkruptcy.	Credit Report	Credit	Credit Reporting	Date/Time
Credit Liability Account Status Type	This data element is an enumerated status list for an account as of the Account Status Date.	Credit Report	Credit	Credit Reporting	Enumerated: Closed: Account is closed Frozen: Account activity has been frozen Open: Account is open Paid: Account is fully paid Refinanced: Account has been refinanced Transferred: Account has been transferred
Credit Liability Account Type	This describes the type of account established with the Liability Account Holder - credit line, installment, mortgage, open, revolving).	Credit Report	Credit	Credit Reporting	Enumerated: Credit Line: Installment: Mortgage: Open: Revolving:
Credit Liability Balloon Payment Amount	The amount that will be due on the account in the form a lump sum balloon payment.	Credit Report	Credit	Credit Reporting	Money
Credit Liability Charge Off Amount	The amount charged off by a liability holder, usually for an account in collection.	Credit Report	Credit	Credit Reporting	Money
Credit Liability Collateral Description	A description of any collateral for the loan (for example, 97 Corvette).	Credit Report	Credit	Credit Reporting	String
Credit Liability Comment Text	Any type of comment or remark about the liability account.	Credit Report	Credit	Credit Reporting	String
Credit Liability Consumer Dispute Indicator	This element indicates whether or not the consumer (borrower) disputes information reported for this account and has filed a FCRA dispute form.	Credit Report	Credit	Credit Reporting	Boolean
Credit Liability Credit Limit Amount	The current credit limit for the account as reported by the liability holder.	Credit Report	Credit	Credit Reporting	Money
Credit Liability Creditor Name	Name of the liability holder. The name and possibly the address and contact information is contained in the Party element as a Credit Trade Reference.	Credit Report	Credit	Credit Reporting	String
Credit Liability Current Delinquency Rating Type	The liability accounts current rating (as of Date Reported) for how timely the borrower has been making payments on this account.	Credit Report	Credit	Credit Reporting	Enumerated: 30-60 Days Late: 61-90 Days Late: 91-120 Days Late: As Agreed: Collection: Foreclosure: No Data Available: Over 120 Days Late: Repossession: Too New: Wage Earner Plan:
Credit Liability Data Repository Source	This element describes the source of the information provided for this liability account - could be a single data repository (Equifax, Experian, Trans Union), or could be a merge of data from multiple sources.	Credit Report	Credit	Credit Reporting	Enumerated: Equifax: Experian: Merged Data: Data has been merged from multiple sources Other: Data has come from sources other than the standard data repositories Trans Union:
Credit Liability Delinquency Rating Type	This is the accounts manner of payment rating for the associated Late Date.	Credit Report	Credit	Credit Reporting	Enumerated: 30-60 Days Late: 61-90 Days Late: 91-120 Days Late: As Agreed: Collection: Foreclosure: No Data Available: Over 120 Days Late: Repossession: Too New: Wage Earner Plan:
Credit Liability Derogatory Data Indicator	This element indicates whether or not the liability account contains adverse or derogatory information.	Credit Report	Credit	Credit Reporting	Boolean
Credit Liability High Balance Amount	The highest balance recorded for the account by the liability holder.	Credit Report	Credit	Credit Reporting	Money
Credit Liability High Credit Amount	The highest credit limit established for the account by the liability holder. It could be higher than the current credit limit.	Credit Report	Credit	Credit Reporting	Money
Credit Liability Highest Delinquency Amount	The highest delinquent amount on the account as reported by the liability holder.	Credit Report	Credit	Credit Reporting	Money
Credit Liability Highest Delinquency Date	The date of the highest (worst) delinquency reported by the liability holder.	Credit Report	Credit	Credit Reporting	Date/Time
Credit Liability Highest Delinquency Rating	The liability accounts highest (or worst) rating for how timely the borrower has been making payments on this account.	Credit Report	Credit	Credit Reporting	Enumerated: 30-60 Days Late: 61-90 Days Late: 91-120 Days Late: As Agreed: Collection: Foreclosure: No Data Available: Over 120 Days Late: Repossession: Too New: Wage Earner Plan:
Credit Liability Last Activity Date	The date of last account activity (such as last charge or last payment)reported by the liability holder.	Credit Report	Credit	Credit Reporting	Date/Time
Credit Liability Late 120 Days Count	The number of times the liability account was reported 120 days late by the liability holder.	Credit Report	Credit	Credit Reporting	Numeric
Credit Liability Late 150 Days Count	The number of times the liability account was reported 150 days late by the liability holder.	Credit Report	Credit	Credit Reporting	Numeric
Credit Liability Late 180 Days Count	The number of times the liability account was reported 180 days late by the liability holder.	Credit Report	Credit	Credit Reporting	Numeric
Credit Liability Late 30 Days Count	The number of times the liability account was reported 30 days late by the liability holder.	Credit Report	Credit	Credit Reporting	Numeric
Credit Liability Late 60 Days Count	The number of times the liability account was reported 60 days late by the liability holder.	Credit Report	Credit	Credit Reporting	Numeric
Credit Liability Late 90 Days Count	The number of times the liability account was reported 90 days late by the liability holder.	Credit Report	Credit	Credit Reporting	Numeric
Credit Liability Late Date	Lists the date (month and year) that the borrower was late on payments. The associated Late Rating element gives the rating for that date.	Credit Report	Credit	Credit Reporting	Date/Time
Credit Liability Loan Type	This element contains an enumerated list of common loan types. If the loan type is Other, then the description is entered into the Liability Type Other element.	Credit Report	Credit	Credit Reporting	Enumerated: Agriculture: Airplane: Appliance Or Furniture: Attorney Fees: Auto Lease: Auto Loan Equity Transfer: Auto Refinance: Automobile: Boat: Business: Business Credit Card: Charge Account: Check Credit Or Line Of Credit: Child Support: Collection: Collection Attorney: Comaker: Combined Credit Plan: Commercial Credit Obligation: Commercial Line Of Credit: Commercial Mortgage: Conditional Sales Contract: Consolidation: Conventional Real Estate Mortgage: Credit Card: Credit Line Secured: Debit Card: Debt Counseling Service: Deposit Related: Educational: Employment: Factoring Company Account: Family Support: Farmers Home Administration FHMA: Federal Consolidated Loan: FHA Comaker Not Borrower: FHA Home Improvement: FHA Real Estate Mortgage: Finance Statement: Government Benefit: Government Employee Advance: Government Fee For Service: Government Fine: Government Grant: Government Miscellaneous Debt: Government Overpayment: Government Secured Direct Loan: Government Secured Guarantee Loan: Government Unsecured Direct Loan: Government Unsecured Guarantee Loan: Home Equity Line Of Credit: Home Improvement: Household Goods: Household Goods And Other Collateral Auto: Household Goods Secured: Installment Loan: Installment Sales Contract: Insurance Claims: Lease: Lender Placed Insurance: Manual Mortgage: Medical Debt: Mobile Home: Mortgage: Note Loan: Note Loan With Comaker: Other: Partially Secured: Personal Loan: Real Estate - Junior Liens: Real Estate - Loan Equity Transfer: Real Estate Mortgage Without Other Collateral: Real Estate Specific Type Unknown: Recreational: Recreational Vehicle: Refinance: Refund Anticipation Loan: Rental Agreement: Residential Loan: Returned Check: Revolving Business Lines: Secured: Secured By Cosigner: Secured Credit Card: Secured Home Improvement: Single Payment Loan: Spouse Support: Summary Of Accounts With Same Status: Time Shared Loan: Title 1 Loan: Unknown Loan Type: Unsecured: Veterans Administration Loan: Veterans Administration Real Estate Mortgage:
Credit Liability Manual Update Indicator	This element indicates whether or not the data in the liability account has been manually updated by the credit bureau based on an investigation.	Credit Report	Credit	Credit Reporting	Boolean
Credit Liability Monthly Payment Amount	The dollar amount of the monthly payment required on borrowers liability account as reported on a credit report. The amount is either calculated by the credit bureau or provided by the credit liability holder.	Credit Report	Credit	Credit Reporting	Money
Credit Liability Months Reviewed Count	The number of months of account history reported by the liability holder. This is the period over which Late Counts are accumulated.	Credit Report	Credit	Credit Reporting	Numeric
Credit Liability Most Recent Delinquency Amount	The most recent amount that the borrower was reported delinquent by the liability holder.	Credit Report	Credit	Credit Reporting	Money
Credit Liability Most Recent Delinquency Date	The date of the most recent delinquency reported by the liability holder.	Credit Report	Credit	Credit Reporting	Date/Time
Credit Liability Most Recent Delinquency Rating	The liability accounts most recent delinquency rating for how timely the borrower has been making payments on this account.	Credit Report	Credit	Credit Reporting	Enumerated: 30-60 Days Late: 61-90 Days Late: 91-120 Days Late: As Agreed: Collection: Foreclosure: No Data Available: Over 120 Days Late: Repossession: Too New: Wage Earner Plan:
Credit Liability Original Creditor Name	When a liability account has been transferred or is being handled by a collection agency, this element indicates the name of original creditor.	Credit Report	Credit	Credit Reporting	String
Credit Liability Past Due Amount	The amount that the borrower is currently past due as reported by the liability holder.	Credit Report	Credit	Credit Reporting	Money
Credit Liability Payment Pattern Data	This is a set of previous monthly payment ratings beginning with the Payment Pattern Start Date. C=Current, 1-6=# Months Late, 7=Wage Earner Plan, 8=Repossession, 9=Collection, N=No Activity, X=No Data.	Credit Report	Credit	Credit Reporting	String
Credit Liability Payment Pattern Start Date	The date of the beginning of the data in the Credit Liability Payment Pattern Data.	Credit Report	Credit	Credit Reporting	Date/Time
Credit Liability Reported Date	The date that the credit liability data was reported by the liability holder.	Credit Report	Credit	Credit Reporting	Date/Time
Credit Liability Term Months	The total number of months established as terms for repayment of a loan.	Credit Report	Credit	Credit Reporting	Numeric
Credit Liability Terms Calculated Or Provided Indicator	This enumerated element indicates whether the monthly payment terms amount was provided by the repository bureau, or calculated by the credit bureau.	Credit Report	Credit	Credit Reporting	Enumerated: Calculated: The monthly payment terms amount was calculated by the credit bureau. Provided: The monthly payment terms amount was provided by the credit liability holder.
Credit Liability Terms Description	A text description for the loan terms (for example, 360 months at $820 per month).	Credit Report	Credit	Credit Reporting	String
Credit Liability Unpaid Balance Amount	The balance owed on a liability account as of the Date Reported by a repository bureau or credit bureau.	Credit Report	Credit	Credit Reporting	Money
Credit Liability Verified By Name	The name or initials of the person who verified information in the record.	Credit Report	Credit	Credit Reporting	String
Credit Liability Verified Comment	Any remarks by the person specified in the Verified By person about the data in the record.	Credit Report	Credit	Credit Reporting	String
Credit Liability Verified Date	The date that the information in the record was verified.	Credit Report	Credit	Credit Reporting	Date/Time
Credit Public Record Attorney Name	The name of the attorney (normally the plaintiff) reported in the public record.	Credit Report	Credit	Credit Reporting	String
Credit Public Record Bankruptcy Assets Amount	The amount of the defendants declared assets at the time of bankruptcy.	Credit Report	Credit	Credit Reporting	Money
Credit Public Record Bankruptcy Liabilities Amount	The amount of the defendants declared liabilities at the time of bankruptcy.	Credit Report	Credit	Credit Reporting	Money
Credit Public Record Comment Text	Any type of comment or remark about the public record.	Credit Report	Credit	Credit Reporting	String
Credit Public Record Consumer Dispute Indicator	This element indicates whether or not the consumer (borrower) disputes information reported for this public record and has filed a FCRA dispute form.	Credit Report	Credit	Credit Reporting	Boolean
Credit Public Record Court Name	The name of the court reporting the public record.	Credit Report	Credit	Credit Reporting	String
Credit Public Record Data Repository Source	This element describes the source of the information provided for this public record - could be a single data repository (Equifax, Experian, Trans Union, Prentice Hall), or could be a merge of data from multiple sources.	Credit Report	Credit	Credit Reporting	Enumerated: Equifax: Equifax Credit Information Services, Inc. Experian: Experian Information Solutions, Inc. Merged Data: Data merged from multiple sources. Other: Other Repository Source. Prentice Hall: Prentice Hall Trans Union: Trans Union Corporation, LLC.
Credit Public Record Defendant Name	The name of the defendant in a public record.	Credit Report	Credit	Credit Reporting	String
Credit Public Record Derogatory Data Indicator	This element indicates whether or not the public record contains adverse or derogatory information.	Credit Report	Credit	Credit Reporting	Boolean
Credit Public Record Disposition	This is the enumerated disposition or the public record as of the Disposition Date. If the disposition does not fit one of the enumerated categories, select Other, and enter it in the Public Record Disposition Other element.	Credit Report	Credit	Credit Reporting	Enumerated: Adjudicated: Appealed: Cancelled: Completed: Converted: Discharged: Dismissed: Distributed: Filed: Granted: Involuntarily Discharged: Non-adjudicated: Other: Paid: Paid - Not Satisfied: Pending: Real Estate Sold: Released: Rescinded: Satisfied: Settled: Unknown: Unreleased: Unsatisfied: Vacated: Voluntarily Discharged: Withdrawn:
Credit Public Record Disposition Date	This element provides the date that the Public Record Disposition Type first became effective.	Credit Report	Credit	Credit Reporting	Date/Time
Credit Public Record Docket Identifier	The Docket Number or Case Number assigned to the Public Record by the court.	Credit Report	Credit	Credit Reporting	String
Credit Public Record Filed Date	The date that the public record was filed by the court.	Credit Report	Credit	Credit Reporting	Date/Time
Credit Public Record Legal Obligation Amount	This is the amount listed in the public record that the defendant is obligated to pay.	Credit Report	Credit	Credit Reporting	Money
Credit Public Record Manual Update Indicator	This element indicates whether or not the data in the public record has been manually updated by the credit bureau based on an investigation.	Credit Report	Credit	Credit Reporting	Boolean
Credit Public Record Paid Date	The date that the Legal Obligation Amount was paid to zero.	Credit Report	Credit	Credit Reporting	Date/Time
Credit Public Record Payment Frequency	This element indicates the frequency of payments allowed for the Legal Obligation Amount.	Credit Report	Credit	Credit Reporting	Enumerated: Lump Sum: Monthly: Other: Unknown: Weekly: Yearly:
Credit Public Record Plaintiff Name	The name of the plaintiff in a public record.	Credit Report	Credit	Credit Reporting	String
Credit Public Record Reported Date	The date that the public record data was last reported by the court to the credit repository bureau.	Credit Report	Credit	Credit Reporting	Date/Time
Credit Public Record Settled Date	The date that the public record case was settled.	Credit Report	Credit	Credit Reporting	Date/Time
Credit Public Record Type	This is the enumerated type of public record reported by the credit bureau. If the type does not fit one of the enumerated categories, enter the type in the Public Record Type Other element.	Credit Report	Credit	Credit Reporting	Enumerated: Annulment: Attachment: Bankruptcy - Type Unknown: Bankruptcy Chapter 11: Bankruptcy Chapter 12: Bankruptcy Chapter 13: Bankruptcy Chapter 7: Bankruptcy Chapter 7 - Involuntary: Bankruptcy Chapter 7 - Voluntary: Collection: Custody Agreement: Divorce Decree: Ficticious Name: Financial Counseling: Financing Statement: Forcible Detainer: Foreclosure: Garnishment: Judgment: Law Suit: Lien: Non-Responsibility: Notice of Default: Other: Public Sale: Repossession: Support Debt: Tax Lien - City: Tax Lien - County: Tax Lien - Federal: Tax Lien - Other: Tax Lien - State: Trusteeship: Unknown: Unlawful Detainer:
Credit Public Record Verification Status	Specifies the verification status associated with the borrowers corresponding public record.	Credit Report	Credit	Credit Reporting	Enumerated: Not Verified: Data related to the public record has not been verified. To Be Verified: Data related to the public record is to be verified, but has not been verified. Verified:
Credit Public Record Verified By Name	The name or initials of the person who verified information in the record.	Credit Report	Credit	Credit Reporting	String
Credit Public Record Verified Comment	Any remarks by the person specified in the Verified By person about the data in the record.	Credit Report	Credit	Credit Reporting	String
Credit Public Record Verified Date	The date that the information in the record was verified.	Credit Report	Credit	Credit Reporting	Date/Time
Credit Report Comment Text	Any type of additional comment or remark about the credit report, that is included by the credit bureau.	Credit Report	Credit	Credit Reporting	String
Credit Report Consumer Comment Text	This is a consumer (borrower) comment reported by the credit bureau. There is also a Credit File Consumer Comment element, which is reported by the credit data repository.	Credit Report	Credit	Credit Reporting	String
Credit Report Error Message	This is an error message related to the overall credit report. There is also a Credit File Error Message, that is related to a specific credit file that is part of a full credit report.	Credit Report	Credit	Credit Reporting	String
Credit Report First Issued Date	Date and time the referenced credit report was first issued.	Credit Report	Credit	Credit Reporting	Date/Time
Credit Report Identifier	A reference number assigned by the credit bureau to a specific credit report. This report number is also referenced when a Reissue, Upgrade, or StatusQuery of an existing report is requested.	Credit Report	Credit	Credit Reporting	String
Credit Report Last Updated Date	The date and time that the referenced credit report was last updated or revised.	Credit Report	Credit	Credit Reporting	Date/Time
Credit Report Merge Type Indicator	This element indicates how duplicate data from multiple sources is handled on a credit report.	Credit Report, Service Request	Credit	Credit Reporting	Enumerated: Blend: A record is formed by blending data from a group of duplicates. List and Stack: A Merged data record is followed by the individual duplicate Repository records. Pick and Choose: A record is picked from a list of duplicates.
Credit Report Price Amount	The price of the credit report produced on the borrower(s).	Credit Report	Credit	Credit Reporting	Money
Credit Report Price Type	This describes the type of the Credit Report Price (Net, Tax, Total or Other)	Credit Report	Credit	Credit Reporting	Enumerated: Net: Total price not including tax Other: Other price type - List description in Price Type Other Tax: Amount of local or state tax, if any Total: Total price including tax
Credit Report Reference Identifier	The reference number associated with a credit report. If previously retrieved, the reference number of the previously retrieved report.	Credit Bureau	Credit	Credit Reporting, Underwriting	String
Credit Report Request Action	Select the type of service action being requested. If the service action refers to an existing report, specify which one in the Credit Report Reference Number element.	Service Request	Credit	Credit Reporting	Enumerated: Reissue: Resend existing report (specify) Submit: Submit or add as a new request. Update: Update data for an existing report (specify report #). Upgrade: Upgrade an existing report (specify Report #) to type listed in Credit Report Type, or specify additional repository bureaus to be pulled.
Credit Report Summary	Any type of additional summary data that is provided by the credit bureau	Credit Report	Credit	Credit Reporting	String
Credit Report Type	The type of credit report that was requested or produced. Most common types are Merged report (data from credit data repositories is merged), and RMCR (Residential Mortgage Credit Report - contains verified liabilities, employment, etc.)	Credit Report, Service Request	Credit, Service Ordering	Credit Reporting	Enumerated: Merge: A merge report (also called merged infile) includes data on file from the selected credit data repositories. Merge Plus: An enhanced version of the Merge product. Contact credit bureau for details. Non-Traditional: Provides credit evaluation for borrowers with minimal credit history. Other: Risk Scores Only: Provides credit risk scores only. RMCR: Residential Mortgage Credit Report is an enhanced credit product that contains verified information and/or additional investigation. RMCR Foreign: RMCR with additional foreign investigation.
Credit Repository Bureaus Selected Count	This element stores the number of repository bureaus desired for a credit request. When a requestor uses this element, they are selecting the number of repositories to be pulled, not specific bureaus. The credit bureau would then choose which bureaus to be pulled based on a methodology agreed on with their customer (for example, zip code or customer preference).	Credit Request	Credit	Credit Reporting	Numeric
Credit Repository Equifax Included	This element indicates whether Equifax is included in either the request or response.	Credit Report	Credit	Credit Reporting	Boolean
Credit Repository Experian Included	This element indicates whether Experian is included in either the request or response.	Credit Report	Credit	Credit Reporting	Boolean
Credit Repository Prentice Hall Included Indicator	This element indicates whether Prentice Hall is included in either the request or response.	Credit Report	Credit	Credit Reporting	Boolean
Credit Repository Trans Union Included Indicator	This element indicates whether Trans Union is included in either the request or response.	Credit Report	Credit	Credit Reporting	Boolean
Credit Request Type	The Credit Request Type specifies either an Individual Report on one person, or a Joint Report on two married persons.	Credit Request	Credit	Credit Reporting	Enumerated: Individual: Credit Report on a single individual Joint: A combined credit report on two married persons
Credit Score Data Repository Source Type	This element describes the source of the information provided for this credit score - could be a single data repository (Equifax, Experian, Trans Union), or could be a merge of data from multiple sources.	Credit Report	Credit	Credit Reporting, Underwriting	Enumerated: Equifax: Experian: Merged Data: Other: Trans Union:
Credit Score Date	Date that the referenced credit score was produced.	Credit Bureau	Credit	Credit Reporting, Underwriting	Date/Time
Credit Score Exclusion Reason Type	An enumerated list of reasons why a credit score could not be generated.	Credit Report	Credit	Credit Reporting	Enumerated: InvalidScoreRequest: NotScoredCreditDataNotAvailable: NotScoredFileIsUnderReview: NotScoredFileTooLong: NotScoredInsufficientCredit: NotScoredNoQualifyingAccount: NotScoredNoRecentAccountInformation: NotScoredSubjectDeceased: ScoringNotAvailable: UnauthorizedScoreRequest:
Credit Score Factor Description	The text remarks associated with a Credit Score Factor	Credit Report	Credit	Credit Reporting	String
Credit Score Factor Identifier	Factors of the borrowers credit which give context to the referenced credit score. The factor is normally a numeric code. The Credit Score Factor Text contains the text for the factor code.	Credit Bureau	Credit	Credit Reporting, MI, Underwriting	String
Credit Score Model Name	Identifies the score algorithm model name used to produce the referenced credit risk score.	Credit Bureau	Credit	Credit Reporting, MI, Underwriting	Enumerated: Equifax Beacon: Fair Isaac risk model forecasting delinquency within 24 months. Equifax Beacon Auto: Fair Isaac risk model for auto finance loans. Equifax Beacon Bankcard: Fair Isaac risk model for bank credit cards. Equifax Beacon Installment: Fair Isaac risk model for installment loans. Equifax Beacon Personal Finance: Fair Isaac risk model for personal finance loans. Equifax DAS: Delinquency Alert System is a MDS risk model that forecasts risk of consumer filing bankruptcy. Equifax Enhanced Beacon: An updated Fair Isaac risk model forecasting the risk of delinquency within 24 months. Equifax Enhanced DAS: Enhanced Delinquency Alert System is a MDS risk model that forecasts risk of consumer filing bankruptcy. Equifax Mortgage Score: A custom risk score model from Equifax specifically for assessing mortgage loan risk. Experian Fair Isaac: Fair Isaac risk model forecasting risk of delinquency within 24 months. Experian Fair Isaac Auto: Fair Isaac risk model for auto finance. Experian Fair Isaac Bankcard: Fair Isaac risk model for bank credit cards. Experian Fair Isaac Installment: Fair Isaac risk model for installment loans. Experian Fair Isaac Personal Finance: Fair Isaac risk model for personal finance loans. Experian MDS Bankruptcy II: MDS risk model that forecasts risk of consumer filing bankruptcy. Experian New National Equivalency: Experian option for the National Risk Model that produces score ranges similar to Fair Isaac models. Experian New National Risk: New version of Experians National Risk Model. Experian Old National Risk: Original version of Experians National Risk Model. Trans Union Delphi: MDS risk model that forecasts risk of consumer filing bankruptcy. Trans Union Empirica: Fair Isaac risk model forecasting risk of delinquency within 24 months. Trans Union Empirica Auto: Fair Isaac risk model for auto finance loans. Trans Union Empirica Bankcard: Fair Isaac risk model for bank credit cards. Trans Union Empirica Installment: Fair Isaac risk model for installment loans. Trans Union Empirica Personal Finance: Fair Isaac risk model for personal finance loans. Trans Union New Delphi: Updated MDS risk model that forecasts risk of consumer filing bankruptcy.
Credit Score Value	Numeric credit score resulting from credit evaluation model.	Credit Bureau	Credit	Credit Reporting, MI, Secondary, Underwriting	Numeric
Credit Trade Reference Address 1	The street address of a party referenced in a credit report.	Credit Report	Credit	Credit Reporting	String
Credit Trade Reference Address 2	The unit or suite number of a party referenced in a credit report.	Credit Report	Credit	Credit Reporting	String
Credit Trade Reference City	The city of a party referenced in a credit report.	Credit Report	Credit	Credit Reporting	String
Credit Trade Reference Country	The country of a party referenced in a credit report. (No entry assumes U.S.A.).	Credit Report	Credit	Credit Reporting	String
Credit Trade Reference Name	Name of a party referenced in a credit report. Could be a creditor, inquiring party, court, attorney or plaintiff.	Credit Report	Credit	Credit Reporting	String
Credit Trade Reference Postal Code	The postal code of a party referenced in a credit report.	Credit Report	Credit	Credit Reporting	String
Credit Trade Reference State	The state of a party referenced in a credit report.	Credit Report	Credit	Credit Reporting	String
Current Combined Loan To Value Ratio	The current combined loan-to-value ratio for all liens on the property, expressed as a ratio.	(not specified)	(not specified)	Secondary	Numeric
Current Employment Indicator	This element is an indicator that tells whether the associated employment is current or not using an Y/N indicator.	URLA	Employment	Credit Reporting, Underwriting	Boolean
Current First Mortgage Holder Type	Specifies the investor holding the first mortgage that is being refinanced.	Lender	UW Case	Service ordering, Underwriting	Enumerated: Fannie Mae: Freddie Mac: Other Investor: Unknown:
Current Income Amount	The dollar amount per month of the borrowers current (vs. past or future) Income Type (e.g., current job base salary). Collected on the URLA in Section V (Gross Monthly Income).	URLA	Income	Credit Reporting, Secondary, Underwriting	Money
Current Loan To Value Ratio	The current loan to value ratio for the loan, expressed as a ratio.	(not specified)	(not specified)	Secondary	Numeric
Current Note Rate	The current note rate for this loan.	(not specified)	(not specified)	Secondary	Numeric
Current Payment Rate	The current payment rate for this loan.	(not specified)	(not specified)	Secondary	Numeric
Current Primary Employer Address 1	The unstructured (unparsed) street address of the borrowers current primary employer. Collected on the URLA in Section IV (Address of Employer).	URLA	Employment	Credit Reporting, Underwriting	String
Current Primary Employer Address 2	The unit or suite number (if any) of the address of borrowers current primary employer. Collected on the URLA in Section IV (Address of Employer).	URLA	Employment	Credit Reporting, Underwriting	String
Current Primary Employer Business Type Description	An expanded description of the borrowers current primary employment type of business. Collected on the URLA in Section IV (Type of Business).	URLA	Employment	Credit Reporting, Underwriting	String
Current Primary Employer City	The city in which the borrowers current primary employer is located. Collected on the URLA in Section IV (Address of Employer).	URLA	Employment	Credit Reporting, Underwriting	String
Current Primary Employer Country	The country in which the borrowers current primary employer is located if not the U.S.A. Collected on the URLA in Section IV (Address of Employer).	URLA	Employment	Credit Reporting, Underwriting	String
Current Primary Employer Name	The unstructured name of the borrowers current primary employer. Collected on the URLA in Section IV (Name of Employer).	URLA	Employment	Credit Reporting, Underwriting	String
Current Primary Employer Position Description	An expanded description of the borrowers current primary employment position. Collected on the URLA in Section IV.	URLA	Employment	Credit Reporting, Underwriting	String
Current Primary Employer Position Title	An expanded description of the borrowers current primary employment title. Collected on the URLA in Section IV (Title).	URLA	Employment	Credit Reporting, Underwriting	String
Current Primary Employer Postal Code	The postal code (zip code) of the address of borrowers current primary employer. Collected on the URLA in Section IV (Address of Employer).	URLA	Employment	Credit Reporting, Underwriting	String
Current Primary Employer State	The state that the borrowers current primary employer is located. Collected on the URLA in Section IV (Address of Employer).	URLA	Employment	Credit Reporting, Underwriting	String
Current Primary Employer Telephone	The telephone number of the current primary employer. Collected on the URLA in Section IV (Business Phone).	URLA	Employment	Credit Reporting, Underwriting	String
Current Primary Employer Time in Line of Work Months	The total number of months the borrower has been employed in their current primary occupation. Collected on the URLA in Section IV (Years Employed In This Line of Work).	URLA	Employment	Credit Reporting, Secondary, Underwriting	Numeric
Current Primary Employment Self-Employment Indicator	Indicates that in the referenced current primary employment the borrower is self-employed. Collected on the URLA in Section IV (Self Employed Check Box).	URLA	Employment	MI, Secondary, Underwriting	Boolean
Current Primary Employment Start Date	The start date for the borrowers current primary employment. Collected on the URLA in Section IV (Years on Job). Used to calculate the Years on Job. The primary employer is the one that contributes the highest income if the borrower has more than one job.	URLA	Employment	Secondary, Underwriting	Date/Time
Current Residence Address 1	The unstructured street address at which the borrowers current residence is located. Collected on the URLA in Section III (Present Address).	URLA	Borrower	Credit Reporting, MI, Secondary, Underwriting	String
Current Residence Address 2	The unit number (if any) of the address of the borrowers current residence. Collected on the URLA in Section III (Present Address).	URLA	Borrower	Credit Reporting, MI, Underwriting	String
Current Residence Apartment Or Unit	The apartment or unit number (if any) of the address of the borrowers current residence. Collected on the URLA in Section III (Present Address).	URLA	Borrower	Credit Reporting	String
Current Residence City	The name of the city in which the borrowers current residence is located. Collected on the URLA in Section III (Present Address).	URLA	Borrower	Credit Reporting, MI, Secondary, Underwriting	String
Current Residence Country	The name of the country in which the borrowers current residence is located if not in USA.	URLA	Borrower	Credit Reporting, MI, Underwriting	String
Current Residence Direction Prefix	The Direction Prefix address component of a current borrower residence. (N, S, E, W, NW, SW, NE, SE).	URLA	Borrower	Credit Reporting	String
Current Residence Direction Suffix	The Direction Suffix address component of a current borrower residence.	URLA	Borrower	Credit Reporting	String
Current Residence House Number	The House Number or Building Number address component of a current borrower residence.	URLA	Borrower	Credit Reporting	String
Current Residence Military APO FPO	The Military APO or FPO address component of a current borrower residence.	URLA	Borrower	Credit Reporting	String
Current Residence Post Office Box	The Post Office Box address component of a current borrower residence. For a borrower residence, it is normally part of a rural route address.	URLA	Borrower	Credit Reporting	String
Current Residence Postal Code	The postal code (zip code for US addresses) of the address of borrowers current residence. Collected on the URLA in Section III (Present Address).	URLA	Borrower	Credit Reporting, MI, Secondary, Underwriting	String
Current Residence Rural Route	The Rural Route address component of a current borrower residence. Sometimes combined with a Post Office Box.	URLA	Borrower	Credit Reporting	String
Current Residence State	The name of the state in which the borrowers current residence is located. Collected on the URLA in Section III (Present Address).	URLA	Borrower	Credit Reporting, MI, Secondary, Underwriting	String
Current Residence Street Name	The Street Name address component of a current borrower residence.	URLA	Borrower	Credit Reporting	String
Current Residence Street Suffix	The Street Suffix address component of a current borrower residence. (ST, AV, BV, CT, PL, etc. - use USPS approved abbreviations).	URLA	Borrower	Credit Reporting	String
Current Secondary Employer Address 1	The unstructured (unparsed) street address of the borrowers current secondary employer. Collected on the URLA in Section IV (Address of Employer).	URLA	Employment	Credit Reporting, Underwriting	String
Current Secondary Employer Address 2	The unit or suite number (if any) of the address of borrowers current secondary employer. Collected on the URLA in Section IV (Address of Employer).	URLA	Employment	Credit Reporting, Underwriting	String
Current Secondary Employer Business Type Description	An expanded description of the borrowers current secondary employment type of business. Collected on the URLA in Section IV (Type of Business).	URLA	Employment	Credit Reporting, Underwriting	String
Current Secondary Employer City	The city in which the borrowers current secondary employer is located. Collected on the URLA in Section IV (Address of Employer).	URLA	Employment	Credit Reporting, Underwriting	String
Current Secondary Employer Country	The country in which the borrowers current primary employer is located if not the U.S.A. Collected on the URLA in Section IV (Address of Employer).	URLA	Employment	Credit Reporting, Underwriting	String
Current Secondary Employer Name	The unstructured name of the borrowers current secondary employer is located. Collected on the URLA in Section IV (Name of Employer).	URLA	Employment	Credit Reporting, Underwriting	String
Current Secondary Employer Position Description	An expanded description of the borrowers current secondary employment position. Collected on the URLA in Section IV (Position).	URLA	Employment	Credit Reporting, Underwriting	String
Current Secondary Employer Position Title	An expanded description of the borrowers current secondary employment title. Collected on the URLA in Section IV (Title).	URLA	Employment	Credit Reporting, Underwriting	String
Current Secondary Employer Postal Code	The postal code (zip code) of the address of borrowers current secondary employer. Collected on the URLA in Section IV (Address of Employer).	URLA	Employment	Credit Reporting, Underwriting	String
Current Secondary Employer State	The state that the borrowers current secondary employer is located. Collected on the URLA in Section IV (Address of Employer).	URLA	Employment	Credit Reporting, Underwriting	String
Current Secondary Employer Telephone	The telephone number of the current secondary employer. Collected on the URLA in Section IV (Business Phone).	URLA	Employment	Credit Reporting, Underwriting	String
Current Secondary Employment Self-Employment Indicator	Indicates that in the referenced current secondary employment the borrower is self-employed. Collected on the URLA in Section IV (Self Employed Check Box).	URLA	Employment	MI, Underwriting	Boolean
Current Secondary Employment Start Date	The start date for the borrowers current secondary employment. Collected on the URLA in Section IV (Dates From). Used to calculate the Years on Job.	URLA	Employment	Credit Reporting, Underwriting	Date/Time
Dependent Count	The number of dependents disclosed by the borrower. Collected on the URLA in Section III (Dependents No.).	URLA	Borrower	Credit Reporting, Underwriting	Numeric
Dependents Ages Comma Separated List	The ages of all dependents disclosed by the borrower. This is a comma separated list of ages. Collected on the URLA in Section III (Dependents Ages).	URLA	Borrower	Credit Reporting, Underwriting	String
Description	Description of the item.	(not specified)	(not specified)	Secondary	String
Down Payment Amount	The dollar amount of the borrowers Down Payment Type. Collected on the URLA in Section II (Source of Down Payment).	URLA	Application	MI, Underwriting	Money
Down Payment Description	A free-form test field used to capture the type of down payment or additional comments concerning the type of down payment. Collected on the URLA in Section II (Source of Down Payment) along with down payment source.	URLA	Application	Underwriting	String
Down Payment Option Type	Specifies the type of option used to facilitate the borrowers down payment.	MI Order	Application	MI, Underwriting	Enumerated: 3/2 Option: 5% Option:
Down Payment Source Description	A free-form text field used to capture the source of the down payment. Collected on the URLA in Section II (Source of Down Payment) along with down payment type.	URLA	Application	Underwriting	String
Down Payment Type	Specifies the general names (type) of items commonly used for a down payment by the borrower(s) in a mortgage loan transaction. Collected on the URLA in Section II (Source of Down Payment).	URLA	Application	MI, Underwriting	Enumerated: Bridge Loan: Cash Borrowed, Unsecured Borrowed Funds: Cash on Hand: Cash-Gift, Gift Funds: Checking/Savings: Deposit on Sales Contract: Equity on Pending Sale: Equity on Sold Property: Equity on Subject Property: Life Insurance Cash Value: Lot Equity: Other Type of Down Payment: Pledged Collateral: Rent with Option to Purchase: Retirement Funds: Sale of Chattel: Secured Borrowed Funds: Stocks & Bonds: Sweat Equity: Trade Equity: Trust Funds:
Employment Data Verification Status Type	Specifies the verification status associated with the borrowers corresponding employment data.	Credit Report	Credit	Credit Reporting	Enumerated: Not Verified: Data related to employment has not been verified. To Be Verified: Data related to employment is to be verified, but has not been verified. Verified: Data related to employment has been verified.
Employment Data Verified By Name	The name or initials of the person who verified information in the record.	Credit Bureau	Credit	Credit Reporting	String
Employment Data Verified Comment	Any remarks by the person specified in the Verified By person about the data in the record.	Credit Report	Credit	Credit Reporting	String
Employment Data Verified Date	The date that the information in the record was verified.	Credit Report	Credit	Credit Reporting	Date/Time
Energy Efficient Home Indicator	Indicates that the appraiser states that the property meets FHA /VA Energy Efficient Home guidelines. Usually applies to new construction.	FHA/VA	Subject Property	Service ordering, Underwriting	Boolean
Escrow Balance	The balance or credit amount in the escrow accounts for this loan.	(not specified)	(not specified)	Secondary	Numeric
Escrow Waiver Indicator	Indicates whether the lender will waive the borrowers escrow deposits.	Lender	Application	Underwriting	Boolean
Estimated Conventional Closing Costs Amount	The dollar amount of the estimated loan fees, title fees, appraisal fees and other closing costs associated with the subject transaction excluding discount points. Collected on the URLA in Section VII line f.	URLA	Application	MI, Underwriting	Money
Estimated FHA Closing Costs Amount	The dollar amount of closing costs regardless of source that may be added to the sales price or appraised value when calculating the HUD Maximum Allowable Loan Amount, that is reasonable and customary in the area as determined by the local FHA office. Collected on the URLA in Section VII line f. Used for FHA only.	URLA	FHA/VA	Underwriting	Money
Fannie Mae Affordable Program Identifier	Identifies Fannie Maes unique identifier used to specify the affordable mortgage product being financed.	LP	UW Case	Underwriting	String
Fannie Mae Borrower Credit Rating	A code supplied by Fannie Mae that corresponds to the borrowers credit history.	Fannie Mae	Underwriting Case	Underwriting	String
Fannie Mae Community Seconds Indicator	Indicates whether the loan is a Fannie Mae Community Seconds.	Lender	Underwriting Case	Underwriting	Boolean
Fannie Mae Neighbors Mortgage Eligibility Indicator	Indicates whether the loan is eligible to be a Fannie Mae Neighbors mortgage.	Lender	Underwriting Case	Underwriting	Boolean
Fannie Mae Product Plan Identifier	A number that identifies the varying loan payment / rate exchange characteristics of variable rate mortgages.	Fannie Mae	Underwriting Case	Underwriting	String
Fannie Mae Project Code Identifier	Fannie Mae code identifying type of project or condominium classification for the subject property.	Fannie Mae	Project	Underwriting	String
FHA Alimony Liability Treatment Type	Identifies how the borrower or lender prefers that the judgment process treat alimony in an FHA transaction.	Lender	FHA/VA	Underwriting	Enumerated: Addition to Debt: This means that the alimony is included in the aggregate of obligations. Reduction to Income: This means that the income entered is to be reduced by the amount of alimony.
FHA Coverage Renewal Rate Percent	Indicates the percentage of the renewal mortgage insurance premiums for FHA loans.	FHA	FHA/VA	Underwriting	Numeric(8,7)
FHA Mortgage Credit Certificate Amount	The dollar amount of the FHA Mortgage Credit Certificate. This is entered as a whole number. It is an annual tax credit. FHA allows it to be treated as monthly income.	Lender	Underwriting Case	Underwriting	Money
FHA Refinance Type	Indicates the amount of documentation for no cash out refinance loans.	Lender	Underwriting Case	Underwriting	Enumerated: Full Documentation (Conventional, FHA or VA): Interest Rate Reduction Refinance Loan (FHA and VA):
FHA/VA Approved Condominium/Cooperative Indicator	Indicates whether HUD or VA approves a condominium or cooperative.	FHA/VA	Project	Underwriting	Boolean
FHA/VA Originator Identifier	The FHA or VA assigned number of the originator of the loan.	LP	FHA/VA	Underwriting	String
FHA/VA Underwriter Computerized Homes Underwriting System Identifier	The DE underwriter authorized to approve the loan on behalf of the FHA.	LP	FHA/VA	Underwriting	String
First Payment Adjustment Months	The number of the month in which the first payment adjustment occurs. If the subject mortgage can change by means other than a rate adjustment.	Lender	Product	MI, Underwriting	Numeric
First Rate Adjustment Months	The number of the month in which the first payment rate occurs. If the interest rate on the subject loan can change.	Lender	Product	MI, Underwriting	Numeric
Flood Product Description	Specific product requested with service order.	(not specified)	(not specified)	Service ordering	String
Freddie Mac Affordable Program Type	Identifies Freddie Macs unique identifier used to specify the affordable mortgage product being financed.	LP	UW Case	Underwriting	Enumerated: Affordable Gold 3/2: Affordable Gold 5: Affordable Gold 97: Not Affordable Product: Specially-negotiated Affordable 3/2: Specially-negotiated Affordable 97: Specially-negotiated Affordalbe 5:
Freddie Mac Cash Out Refinance Indicator	Indicates if the loan is a Freddie Mac Cash Out Refinance.	LP	LP Trans	Underwriting	Boolean
Freddie Mac Offering Type	Used by Loan Prospector to indicate the specific type of product offering.	LP	LP Trans	Underwriting	Enumerated: Alt 97:
Freddie Mac Project Code Type	Freddie Mac code identifying type of project or condominium classification for the subject property.	Freddie Mac	Project	Underwriting	Enumerated: Approved FHA/VA condominium project or spot loan: Complete and controlled by homeowners association for 1 or more years: Complete and controlled by homeowners association for less than 1 year: Under development; Developer still in control:
Freddie Mac Refinance Loan Type	Used by Freddie Macs Loan Prospector to identify the special types of refinance mortgages.	LP	LP Trans	Underwriting	Enumerated: FHA Credit Qualifying Refinance: A refinance mortgage where the subject FHA loan will pay off an outstanding FHA loan under the streamlined refinance guidelines as provided to the lender by FHA and as processed through Loan Prospector. Freddie Mac Owned Streamlined Refinance: A no cash out refinance mortgage currently owned by Freddie Mac in whole or in part, or securitized by Freddie Mac requiring limited underwriting analysis and reduced documentation (verification of income and employment is not required.) General Streamlined Refinance: A no cash out refinance mortgage requiring limited underwriting analysis and reduced documentation.
Freddie Mac Secondary Financing Type	Specifies a Freddie Mac classification of the predominant type of secondary financing on the mortgage. Used for affordable housing products.	LP	LP Trans	Underwriting	Enumerated: Hard: No Secondary Financing: Soft: Very Soft:
Fulfillment Party Address 1	The street address of the party this is supposed to complete the request.	(not specified)	(not specified)	Service ordering, Credit Reporting	String
Fulfillment Party Address 2	The unit number that further specifies the location of a party that is supposed to complete a request.	(not specified)	(not specified)	Service ordering, Credit Reporting	String
Fulfillment Party City	The city for the party that is supposed to complete the request.	(not specified)	(not specified)	Service ordering, Credit Reporting	String
Fulfillment Party Name	The full name of the ultimate party processing the service request if it differs from the receiving party. Often used when a service provider uses local vendors to fulfill services.	(not specified)	(not specified)	Service ordering, Credit Reporting	String
Fulfillment Party Postal Code	The zip or postal code for the party that is supposed to complete the request.	(not specified)	(not specified)	Service ordering, Credit Reporting	String
Fulfillment Party State	The state for the party that is supposed to complete the request.	(not specified)	(not specified)	Service ordering, Credit Reporting	String
Gender Type	The borrowers or interviewers statement about the borrowers gender. Collected on the URLA in Section X (Sex).	URLA	Declarations	MI, Underwriting	Enumerated: Female: Information not provided - Unknown: Information was not provided by borrower in a mail or telephone application and interviewer was unable to determine. Male: Not Applicable: Borrower is an entity not an individual (e.g., corporation)
Gift Fund Total Amount	The total gift amount to be utilized in the transaction. This includes both funds deposited in borrower accounts and reflected in the Asset Section of the URLA and those not yet deposited	LP	UW Case	Underwriting	Money
Guarantor Fee Percentage	The guarantor fee, expressed as a percentage, for this loan.	(not specified)	(not specified)	Secondary	Numeric
HELOC Maximum Balance Amount	The maximum dollar amount of credit available to the borrower on a Home Equity Line of Credit (HELOC) regardless of whether the borrower has accessed the amount.	Lender	Liability	Underwriting	Money
HELOC Maximum Payment Amount	The maximum dollar amount of the potential monthly payment that the borrower must make on a Home Equity Line of Credit (HELOC).	Lender	Liability	Underwriting	Money
HELOC Twelve Month Draw Amount	The dollar amount the borrower has drawn on a Home Equity Line of Credit (HELOC) in previous 12 months.	Lender	Liability	Underwriting	Money
Homeowner Past Three Years Indicator	Borrowers answer to the question: Have you had an ownership interest in a property in the last three years?. Collected on the URLA in Section VIII line m.	URLA	Declarations	Credit Reporting, Underwriting	Boolean
Housing Expense Type	Specifies the general names (types) of housing expense items commonly listed as by the borrower(s) in a mortgage loan transaction. Collected on the URLA in Section V.	URLA	Expense	Underwriting	Enumerated: First Mortgage Principal and Interest: Amount of periodic principal and interest payment on a first mortgage on real estate. Could be present or proposed housing expense. Principal refers to the monthly payment that reduces the remaining balance of the mortgage. Interest is the fee charged for borrowing money. Collected on URLA in Section V (Present / Proposed Housing Expense) and /or Section VI (Schedule of Real Estate). First Mortgage Principal, Interest, Taxes and Insurance: Amount of periodic principal and interest payment on a first mortgage on real estate plus annual pro-rata share of property taxes and hazard insurance on the property. Principal refers to the monthly payment that reduces the remaining balance of the mortgage. Interest is the fee charged for borrowing money. Taxes and insurance refers to the amount that are paid into an escrow account each month for property taxes and mortgage and hazard insurance. Could be present or proposed housing expense. Collected on URLA in Section V (Present / Proposed Housing Expense) and /or Section VI (Schedule of Real Estate). Hazard Insurance: Insurance coverage that provides compensation to insured in case of property damage or loss. (e.g., renters, homeowners, fire, earthquake, flood, etc.) Collected on URLA in Section V (Present / Proposed Housing Expense) and/or Section VI (Schedule of Real Estate). Homeowners Association Dues and Condominium Fees: association to pay the cost of maintaining areas owned in common by all homeowners within a planned unit development. Collected on URLA in Section V (Present / Proposed Housing Expense) and/or Section VI (Schedule of Real Estate). Leasehold Payments: When land under improvements is leased rather than owned, this is the periodic rent. A form of other housing expense. Maintenance and Miscellaneous: Ongoing expenses incurred by borrower to maintain real estate owned. Collected on the URLA in Section VI (Schedule of Real Estate). Mortgage Insurance: Insurance which protects mortgage lenders against loss in the event of default by the borrower. Collected on URLA in Section V (Present / Proposed Housing Expense) and/or Section VI (Schedule of Real Estate). Other Housing Expense: Other expenses related to housing which are not included in the listed values. Typically linked to FREE TEXT description. Collected on URLA in Section V (Present / Proposed Housing Expense). Other Mortgage Loan Principal and Interest: Amount of periodic principal and interest payment on a subordinate mortgage on real estate. Could be present or proposed housing expense. Principal refers to the monthly payment that reduces the remaining balance of the mortgage. Interest is the fee charged for borrowing money. Collected on URLA in Section V (Present / Proposed Housing Expense) and /or Section VI (Schedule of Real Estate). Other Mortgage Loan Principal, Interest, Taxes and Insurance: Amount of periodic principal and interest payment on a subordinate mortgage on real estate plus annual pro-rata share of property taxes and hazard insurance on the property. Principal refers to the monthly payment that reduces the remaining balance of the mortgage. Interest is the fee charged for borrowing money. Taxes and insurance refers to the amount that are paid into an escrow account each month for property taxes and mortgage and hazard insurance. Could be present or proposed housing expense. Collected on URLA in Section V (Present / Proposed Housing Expense) and /or Section VI (Schedule of Real Estate). Real Estate Tax: Local government taxes levied on the ownership of real property. Also know as Real Estate Property Tax. Collected on URLA in Section V (Present / Proposed Housing Expense) and/or Section VI (Schedule of Real Estate). Rent: Periodic amount a tenant pays to a landlord for occupancy of a property. Expense if borrower pays. Collected on URLA in Section V (Present Expense - Rent). Utilities: Basic services associated with developed areas that include provisions for electricity, telephone, gas, water, and garbage collection. Collected on the URLA in Section VI (Schedule of Real Estate).
HUD Credit Alert Interactive Voice Response System Number	Number assigned by HUDs Credit Alert Interactive Voice Response System.	HUD	Underwriting Case	Underwriting	String
Income Source Type	Specifies the source of the borrowers indicated Income Type. Used for both current and prior employment.	URLA	Income	Underwriting	Enumerated: Primary: Secondary:
Income Taxable Indicator	Indicates whether the borrowers indicated Income Type is taxable. Used for both current and prior employment. Used by FHA / VA.	FHA	Income	Underwriting	Boolean
Income Type	Specifies the general names (types) of items commonly listed as income of the borrower in a mortgage loan transaction. Collected on the URLA in Section V (Gross Monthly Income).	URLA	Income	Secondary, Underwriting	Enumerated: Alimony: Periodic amount paid under terms of divorce decree/agreement. Income if borrower receives. Collected on the URLA in Section V (Monthly Income - Other). Base Income: For salaried positions, the monthly amount of salary (annual salary/12). For hourly positions, the income that would arise from 52 weeks of work at the usual and customary number of non-overtime hours per week / 12. Collected on the URLA in Section V (Monthly Income - Base). Bonus Income: Income derived from optional compensation paid out by employer, linked to employers overall performance and/or individual performance. Collected on the URLA in Section V (Monthly Income - Bonuses). Child Support: Periodic amount paid to provide for children after divorce or separation. Income if borrower receives. Collected on the URLA in Section V (Monthly Income - Other). Commissions: borrower income that is based upon a percentage of the goods or services the borrower sells (e.g., gross Realtor commission = 6%) Collected on the URLA in Section V (Monthly Income - Commissions). Dividends / Interest: Funds paid to owners of stocks or bonds by issuer of stock or bond. Collected on the URLA in Section V (Monthly Income - Dividends / Interest). Other Types of Income: Used in conjunction with a textual description of other types of income. Collected on the URLA in Section V (Monthly Income - Other). Overtime: Additional hourly compensation paid for work beyond the usual and customary work period. Collected on the URLA in Section V (Monthly Income - Overtime). Pension: Periodic amount paid by employer to persons who have retired from employer after attaining necessary term of service and other attributes. Collected on the URLA in Section V (Monthly Income). Proposed Gross Rent for Subject Property: The anticipated rent on the subject property if it is an investment property or if a 2-4 property where other units are rented. Public Assistance Income: Amount paid to borrower by state or local public assistance program. Collected on the URLA in Section V (Monthly Income). Real Estate Owned - Gross Rental Income : Periodic gross rents (before expenses) arising from a piece of real estate owned (or to be owned) by borrower. Collected on the URLA in Section VI (Schedule of Real Estate - Gross Rental Income). Social Security: In the US, monthly amount paid to recipients of OASI (Old Age and Survivors Insurance) commonly known as Social Security. Collected on the URLA in Section V (Monthly Income). Unemployment Compensation: Amount paid or payable to borrower from state or Federal unemployment insurance program. VA Benefits (Non-educational): Dollar amount of VA Benefits excluding education benefits available to a veteran borrower. Collected on the URLA in Section V (Monthly Income). Workmans Compensation: Amount paid or payable to borrower from Workmans Compensation Insurance program, usually for injuries that prevent borrower from working. Collected on the URLA in Section V (Monthly Income).
Information Contact Name	The unstructured name of the information contact employed by the lender.	Lender	Parties To Transaction	MI	String
Initial Note Rate Percent	The initial rate at which interest will accrue on the loan. Collected on the URLA in Section I (Interest Rate).	URLA	Product	MI, Underwriting	Numeric(8,7)
Initial Payment Rate Percent	The effective payment rate at which the borrower is making payments such as the effective first annual payment rate on a temporarily bought down loan.	Lender	Product	MI, Underwriting	Numeric(8,7)
Inquiring Party Name	The name of the party recording a credit inquiry with the credit data repository.	Credit Bureau	Credit	Credit Reporting	String
Inquiry Result Type	The result from a credit inquiry - did the lender offer credit, refuse credit, etc.	Credit Report	Credit	Credit Reporting	Enumerated: Account Closed: The account has been closed. Application Pending: Application for credit has been made - no decision made. Declined: The application for credit has been declined. Did Not Inquire: No credit inquiry was made by the listed party. No Open 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 Indicator	Borrowers answer to the question: Do you intend to occupy the property as your primary residence? Collected on the URLA in Section VIII line l.	URLA	Declarations	MI, Underwriting	Boolean
Interest Accrues Daily	Flag indicating that interest accrues daily for this loan.	(not specified)	(not specified)	Secondary	Boolean
Internal Account Identifier	The 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.	Requests	Service Ordering	Service ordering, Credit Reporting	String
Interviewers Employer Address 1	The unstructured (unparsed) street address of the interviewers employer. Collected on the URLA in Section X (Name and Address of Interviewers Employer).	URLA	Parties to Transaction	Credit Reporting, Underwriting	String
Interviewers Employer Address 2	The unit number (if any) of the address of the interviewers employer. Collected on the URLA in Section X (Name and Address of Interviewers Employer).	URLA	Parties to Transaction	Credit Reporting, Underwriting	String
Interviewers Employer City	The city in which the interviewers employer is located. Collected on the URLA in Section X (Name and Address of Interviewers Employer).	URLA	Parties to Transaction	Credit Reporting, Underwriting	String
Interviewers Employer Country	The country in which the interviewers employer is located if not the U.S.A. Collected on the URLA in Section X (Name and Address of Interviewers Employer).	URLA	Parties to Transaction	Credit Reporting, Underwriting	String
Interviewers Employer Name	The unstructured name of the individual or institution that employs the interviewer. Collected on the URLA in Section X (Name and Address of Interviewers Employer).	URLA	Parties To Transaction	Credit Reporting, Underwriting	String
Interviewers Employer Postal Code	The postal code (zip code) of the address of the interviewers employer. Collected on the URLA in Section X (Name and Address of Interviewers Employer).	URLA	Parties to Transaction	Credit Reporting, Underwriting	String
Interviewers Employer State	The state in which the interviewers employer is located. Collected on the URLA in Section X (Name and Address of Interviewers Employer).	URLA	Parties to Transaction	Credit Reporting, Underwriting	String
Interviewers Name	The unstructured name of the interviewer who took the loan application. Collected on the URLA in Section X (Interviewers Name).	URLA	Parties To Transaction	Credit Reporting, Underwriting	String
Interviewers Telephone Number	The telephone number of the interviewer who took the loan application. Collected on the URLA in Section X (Interviewers Phone Number).	URLA	Parties to Transaction	Credit Reporting, Underwriting	String
Is Assumable Indicator	Indicates whether the loan is assumable by another borrower.	Lender	Product	Secondary, Underwriting	Boolean
Is Section 32	Indicates whether Section 32 documentation is required for this loan.	(not specified)	(not specified)	Secondary	Boolean
Joint Asset and Liability Reporting Type	A 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).	URLA	Application	Underwriting	Enumerated: 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 Name	A generic placeholder to add key descriptions in transactions.	(not specified)	Service Order	Service ordering, Credit Reporting	String
Key Value	A generic placeholder for a value to be associated with a key description for a transaction exchange.	(not specified)	Service Order	Service ordering, Credit Reporting	String
Late Charge Grace Period	The grace period in days for this loan before a late charge will be applied.	(not specified)	(not specified)	Secondary	Numeric
Lender Address 1	The unstructured (unparsed) street address of the lender.	Lender	Parties to Transaction	Credit Reporting, Underwriting	String
Lender Address 2	The unit number (if any) of the address of the lender.	Lender	Parties to Transaction	Credit Reporting, Underwriting	String
Lender Case Identifier	Number used by the Lender to identify a loan. Collected on the URLA in Section I (Lender Case Number).	URLA	Application	Credit Reporting, MI, Underwriting	String
Lender City	The city in which the lender is located.	Lender	Parties to Transaction	Credit Reporting, Underwriting	String
Lender Name	The unstructured name of the lender.	Lender	Parties To Transaction	Credit Reporting, MI, Underwriting	String
Lender Postal Code	The postal code (zip code) of the address of the lender.	Lender	Parties to Transaction	Credit Reporting, Underwriting	String
Lender Registration Identifier	A tracking number, used by Loan Prospector, assigned by the wholesale lender to identify the loan for pipeline management.	LP	LP Trans	Underwriting	String
Lender State	The state in which the lender is located.	Lender	Parties to Transaction	Credit Reporting, Underwriting	String
Lenders Branch Identifier	The lenders identification code for the branch number associated with the loan.	Lender	Parties To Transaction	MI, Underwriting	String
Lenders Branch Name	The unstructured name of the lenders branch.	Lender	Parties To Transaction	Underwriting	String
Lenders Contact Alternate Telephone Number	The alternate telephone number of the lenders contact.	Lender	Parties To Transaction	Credit Reporting, Underwriting	String
Lenders Contact Fax Number	The fax number of the lenders contact.	Lender	Parties To Transaction	Credit Reporting, MI, Underwriting	String
Lenders Contact Name	The unstructured name of the person employed by the lender that an individual could call with questions regarding the mortgage loan.	Lender	Parties To Transaction	Credit Reporting, MI, Underwriting	String
Lenders Contact Primary Telephone Number	The primary telephone number of the lenders contact.	Lender	Parties To Transaction	Credit Reporting, MI, Underwriting	String
Liability Account Identifier	A unique identifier of a borrowers liability. Collected on the URLA in Section VI (Liabilities).	URLA	Liability	Credit Reporting, Underwriting	String
Liability Exclusion Reason Type	Specifies the reason that a liability is to be excluded from inclusion in calculations associated with processing the loan.	Lender	Liability	Underwriting	Enumerated: Already Paid: Duplicate: Other Parties Obligation:
Liability Holder Address 1	The unstructured (unparsed) street address of the individual or institution holding the borrowers liability. Collected on the URLA in Section VI (Liabilities).	URLA	Liability	Credit Reporting, Underwriting	String
Liability Holder Address 2	The unit or suite number (if any) of the address of the individual or institution holding the borrowers liability. Collected on the URLA in Section VI (Liabilities).	URLA	Liability	Credit Reporting, Underwriting	String
Liability Holder City	The city in which the individual or institutional holding the borrowers liability is located. Collected on the URLA in Section VI (Liabilities).	URLA	Liability	Credit Reporting, Underwriting	String
Liability Holder Country	The country in which the individual or institution holding the borrowers liability is located, if not U.S.A.. Collected on the URLA in Section VI (Liabilities).	URLA	Liability	Credit Reporting, Underwriting	String
Liability Holder Name	The unstructured name of individual or institution holding the borrowers liability. Collected on the URLA in Section VI (Liabilities).	URLA Credit	Liability	Underwriting	String(50)
Liability Holder Postal Code	The postal code (zip code) of the individual or institution holding the borrowers liability. Collected on the URLA in Section VI (Liabilities).	URLA	Liability	Credit Reporting, Underwriting	String
Liability Holder State	The state in which the individual or institution holding the borrowers liability is located. Collected on the URLA in Section VI (Liabilities).	URLA	Liability	Credit Reporting, Underwriting	String
Liability Monthly Payment Amount	The dollar amount of the monthly payment required on borrowers Liability Type. Collected on the URLA in Section VI (Liabilities - Monthly Payment).	URLA	Liability	Credit Reporting, Underwriting	Money
Liability Payoff Status Type	Specifies the payoff status at closing associated with the corresponding borrowers liability. Collected on the URLA in Section VI (Liabilities - Indicated By *).	URLA	Liability	Credit Reporting, Underwriting	Enumerated: Not Paid - Continue: Paid by Borrower at Closing: Used to mark any liability which will be satisfied upon sale of real estate owned property or refinancing of the subject property. Paid by Borrower before Closing: Used to mark any liability which will be satisfied upon sale of real estate owned property or refinancing of the subject property. Paid by Other At or Before Closing: Used to mark any liability which will be satisfied upon sale of real estate owned property or refinancing of the subject property.
Liability Remaining Term Months	The 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).	URLA	Liability	Credit Reporting, Underwriting	Numeric
Liability Type	Specifies 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).	URLA	Liability	Credit Reporting, Underwriting	Enumerated: Alimony: Periodic amount paid under terms of divorce decree/agreement. Collected on the URLA in Section VI (Liabilities). 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 Amount	The dollar amount of the current outstanding balance on borrowers Liability Type. Collected on the URLA in Section VI (Liabilities - Unpaid Balance).	URLA	Liability	Credit Reporting, Underwriting	Money
Liability Verification Status Type	Specifies the verification status associated with the borrowers corresponding liability type.	Lender	Liability	Credit Reporting, Underwriting	Enumerated: Not Verified: Data related to the liability has not been verified. To Be Verified: Data related to the liability is to be verified, has not been verified. Verified: Data related to the liability has been verified.
Lien Priority Type	Specifies the lien priority of the subject loan on the subject property.	Lender	UW Case	Service ordering, MI, Secondary, Underwriting	Enumerated: 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 Amortization Term Months	The number of months over which the loan is scheduled to amortize. The fixed period of time over which payments must be made in order to retire the mortgage obligation. Collected on the URLA in Section I (No. Of Months).	URLA	Product	MI, Secondary, Underwriting	Numeric
Loan Amortization Type	Specifies the type of payment stream. Collected on the URLA in Section I (Amortization Type).	URLA	Product	MI, Secondary, Underwriting	Enumerated: 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 Out	The amount of cash turned over to the borrower for this loan.	(not specified)	(not specified)	Secondary	Numeric
Loan Documentation Type	Specifies the extent or level of the documentation being collected to process and underwrite the loan.	LP	UW Case	Secondary, Underwriting	Enumerated: 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 Indicator	Borrowers 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 e	URLA	Declarations	Credit Reporting, Underwriting	Boolean
Loan Has Escrow Accounts	Flag indicating whether escrow accounts already exist for the loan.	(not specified)	(not specified)	Secondary	Boolean
Loan Maturity Date	The date this loan matures.	(not specified)	(not specified)	Secondary	Numeric
Loan Note Date	The date the note was assigned and the loan began to accrue interest.	(not specified)	(not specified)	Secondary	Date/Time
Loan Original Maturity Term Months	The scheduled number of months after which a debt will mature if not equal to the Amortization Term.	Lender	Product	MI, Secondary, Underwriting	Numeric
Loan Origination System Loan Identifier	A control number (i.e. key) for the loan in the sending loan origination system.	LP	LP Trans	Service ordering, Secondary, Underwriting	String
Loan Prospector Key Identifier	The 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 Mac	LP Trans	Underwriting	String
Loan Purpose Type	Specifies the purpose for which the loan proceeds will be used. Collected on the URLA in Section I (Purpose of Loan).	URLA	Application	Service ordering, MI, Secondary, Underwriting	Enumerated: 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: Refinance: The repayment of a debt from proceeds of a new loan using the same property as security.
Loan Registration Identifier	A case number assigned by the investor used for tracking on the investors systems.	Investor	Loan ID	Underwriting	String
Loan Scheduled Closing Date	The scheduled date for when the loan will be closed with the borrower.	Lender	UW Case	Service ordering, MI, Secondary, Underwriting	Date/Time
Loan Source Type	Specifies the source of the loan origination.	LP	UW Case	Underwriting	Enumerated: 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 Date	Date this status took effect.	(not specified)	(not specified)	Secondary	Date/Time
Loan Status Type	The status of this loan within the context of this negotiation.	(not specified)	(not specified)	Secondary	Enumerated: Accepted: Accepted as-is by buyer. ConditionallyAccepted: Accepted by buyer with conditions. Denied: Denied by buyer. None: No status. Sold: Sold to buyer. Submitted: Submitted to a buyer.
Lot Acquired Year	The year in which the lot of subject property was acquired by borrower. Used for construction loans. Collected on the URLA in Section II (Construction - Lot Acquired).	URLA	Subject Property	Service ordering, Secondary, Underwriting	Date/Time
Low Delivery Penalty Percent	The 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)	Secondary	Numeric(6,3)
Marital Status Type	The marital status of the borrower as disclosed by the borrower. Collected on the URLA in Section III (Marital Status Check Box).	URLA	Borrower	Service ordering, Credit Reporting, Underwriting	Enumerated: Married: Not Provided: Separated: Unknown: Unmarried (Single, Divorced, Widowed):
Metropolitan Statistical Area Identifier	Identifies 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.	Lender	Subject Property	Underwriting	String
Month Thirteen Principal Interest Taxes and Insurance Amount	The dollar amount of the principal, interest, tax and insurance payment at month 13 of the amortization schedule of the loan. Used for adjustable products.	LP	UW Case	Underwriting	Money
MORNETPlus Casefile Identifier	The number used by Fannie Maes Desktop Underwriter System to track a loan with that system.	Fannie Mae	DU Trans	Service ordering, Underwriting	String
Mortgage Identifier	The number used by the Mortgage Electronic Registration System (MERS) to identify loans.	MERS	Loan ID	Service ordering, Secondary, Underwriting	String
Mortgage Insurance And Funding Fee Financed Amount	The 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.	URLA	Application	MI, Underwriting	Money
Mortgage Insurance And Funding Fee Total Amount	The 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.	URLA	Application	Underwriting	Money
Mortgage Insurance Application Type	Specifies the way the lender directs the mortgage insurer to handle the processing of the loan.	MI Order	MI	MI, Underwriting	Enumerated: Delegated: Prequalification: Standard Application:
Mortgage Insurance Billing Frequency Months	Number of months between MI billings for given premium plan (e.g., monthly = 1, annual = 12, etc.)	MI Order	MI	MI	Numeric
Mortgage Insurance Captive Reinsurance Indicator	To convey that a captive reinsurance agreement applies to the loan.	MI Order	MI	MI	Boolean
Mortgage Insurance Cash Out Type	When the loan is a refinance this describes the distribution of funds.	MI Order	MI	MI	Enumerated: Cash Out: Limited Cash Out:
Mortgage Insurance Cash Out Usage Description	To describe the use of cash out refinance funds.	MI Order	MI	MI	Enumerated: Debt Consolidation: Education: Home Improvement: Medical:
Mortgage Insurance Certificate Identifier	The number assigned by a mortgage insurer to track a loan.	MI Order	Loan ID	MI, Underwriting	String
Mortgage Insurance Certificate Type	Specifies the type of mortgage insurance certificate required by the customer.	MI Order	MI	MI, Secondary, Underwriting	Enumerated: Both Primary and Pool: No Coverage: Pool: Primary:
Mortgage Insurance Company Name	The name of the entity that will provide mortgage insurance for a loan.	MI Order	MI	MI, Secondary, Underwriting	Enumerated: 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 Amount	Dollar amount of separate borrower-paid premium tax levied at county level.	MI Order	MI	MI	Money
Mortgage Insurance County Premium Tax Percent	County-level separate premium tax as percent of MI premium.	MI Order	MI	MI	Numeric
Mortgage Insurance Coverage Percent	The percentage of the loan amount to be insured.	Lender	MI	MI, Secondary, Underwriting	Numeric(8,7)
Mortgage Insurance Coverage Plan Type	Specifies the coverage type of private mortgage insurance coverage selected.	MI Order	MI	MI, Underwriting	Enumerated: Pool: Risk Sharing: Second Layer: Standard Primary:
Mortgage Insurance Desktop Underwriter Decision	The result of a Desktop Underwriter decision.	MI Order	MI	MI	Enumerated: Approve Eligible: Approve Ineligible: Refer Eligible: Refer Ineligible: Refer Out of Scope: Refer With Caution:
Mortgage Insurance Duration Type	Specifies the duration of coverage provided by the private mortgage insurance payment.	MI Order	MI	MI, Underwriting	Enumerated: Annual: Not Applicable: Periodic (Monthly): Single Life of Loan: Specific Term Single:
Mortgage Insurance Employee Loan Indicator	Indicates if the loan is part of an employee loan program.	MI Order	MI	MI	Enumerated: Employee:
Mortgage Insurance First Mortgage Being Refinanced Amount	When the loan is a refinance this is the amount of the first mortgage being refinanced.	MI Order	MI	MI	Money
Mortgage Insurance Initial Premium Amount	Amount 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 Order	MI	MI	Money
Mortgage Insurance Initial Premium Prepaid At Closing Type	Specifies whether the initial Mortgage Insurance premium is prepaid upon closing or deferred until first principle payment.	MI Order	MI	MI, Underwriting	Enumerated: Deferred: Prepaid:
Mortgage Insurance Initial Premium Rate Duration Months	Indicates the number of months for which the MI Initial Premium Rate applies.	MI Order	MI	MI	Numeric
Mortgage Insurance Initial Premium Rate Percent	Premium 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 Order	MI	MI	Numeric
Mortgage Insurance Lender Entity Identifier	The unique number assigned by the private mortgage insurer identifying the lender entity.	MI Order	MI	MI	String
Mortgage Insurance Lender Special Program Type	To convey information describing a certain class of lender loans. Not to be confused with Mortgage Insurance Special Pricing Type.	MI Order	MI	MI	String
Mortgage Insurance Loan Prospector Eligibility Type	The loan eligibility classification of a Loan Prospector decision.	MI Order	MI	MI	Enumerated: Eligible: Incomplete: Ineligible:
Mortgage Insurance Loan Prospector Risk Type	The risk classification of a Loan Prospector decision.	MI Order	MI	MI	Enumerated: Accept: Accept Plus: Caution: Caution A Minus Eligible:
Mortgage Insurance Municipal Premium Tax Amount	Dollar amount of separate borrower-paid premium tax levied at municipality level.	MI Order	MI	MI	Money
Mortgage Insurance Municipal Premium Tax Percent	Municipality-level separate premium tax as percent of MI premium.	MI Order	MI	MI	Numeric
Mortgage Insurance Premium Financed Indicator	Indicates whether mortgage insurance premium has been added to loan amount.	MI Order	MI	MI, Underwriting	Boolean
Mortgage Insurance Premium From Closing Amount	Amount 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 Order	MI	MI	Money
Mortgage Insurance Premium Payment Type	Specifies the source of the mortgage insurance payment.	MI Order	MI	MI, Underwriting	Enumerated: Borrower Paid: Both Borrower and Lender Paid: Lender Paid:
Mortgage Insurance Premium Rate Plan Type	Specifies pattern of Mortgage Insurance premium rates charged over the life of the coverage.	MI Order	MI	MI, Underwriting	Enumerated: 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 Type	Specifies how the private mortgage insurance premiums will be treated if the private mortgage insurance coverage is canceled.	MI Order	MI	MI, Underwriting	Enumerated: Not Refundable: Refundable: Refundable with limits:
Mortgage Insurance Premium Term Months	The number of months of mortgage insurance coverage pre-paid by the initial premium.	MI Order	MI	MI, Underwriting	Numeric
Mortgage Insurance Primary Borrower Type	To identify the primary borrower to the private mortgage insurance company.	MI Order	MI	MI	Boolean
Mortgage Insurance Private Automated Underwriting Name	The name of the private automated underwriting evaluation system used for the loan.	MI Order	MI	MI	String
Mortgage Insurance Private Automated Underwriting Result	The result of the private automated underwriting evaluation system.	MI Order	MI	MI	String
Mortgage Insurance Qualifying Asset Amount	The total borrower assets per lender guidelines.	MI Order	MI	MI	Money
Mortgage Insurance Qualifying Income Amount	The total monthly borrower income per lender guidelines.	MI Order	MI	MI	Money
Mortgage Insurance Reduced Loan Documentation Type	To convey the type of reduced loan documentation.	MI Order	MI	MI	Enumerated: 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 Type	The reason for the refinance.	MI Order	MI	MI	Enumerated: Equity Takeout: Increase Term: Rate and Term: Reduce Rate: Reduce Term:
Mortgage Insurance Relocation Loan Indicator	Indicates if the loan is part of a corporate relocation program.	MI Order	MI	MI	Enumerated: Relocation:
Mortgage Insurance Renewal Calculation Type	Specifies the way in which the renewal premiums will be calculated.	MI Order	MI	MI, Underwriting	Enumerated: Constant: Declining: No Renewals: Not Applicable:
Mortgage Insurance Renewal Premium Rate	MI renewal premium rate applied on the basis described in MI Response for the timeframe indicated in MI Renewals.	MI Order	MI	MI	Numeric
Mortgage Insurance Renewal Premium Rate Duration Months	The number of months for which a given occurrence of a MI renewal premium rate applies.	MI Order	MI	MI	Numeric
Mortgage Insurance Renewal Type	Specifies the type of mortgage insurance renewal.	MI Order	MI	Underwriting	Enumerated: 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 Sequence	Relates the sequence in which sets of MI renewal rates and timeframes occur to accurately describe MI renewals.	MI Order	MI	MI	Enumerated: 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 Type	To 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 Order	MI	MI	Enumerated: 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 Type	To convey information about a special pricing option or special deal number associated with a certain class of lender loans.	MI Order	MI	MI	String
Mortgage Insurance State Premium Tax Amount	Dollar amount of separate borrower-paid premium tax levied at state level.	MI Order	MI	MI	Money
Mortgage Insurance State Premium Tax Percent	State-level separate premium tax as percent of MI premium.	MI Order	MI	MI	Numeric
Mortgage Insurance Sub Prime Program Type	To convey the loan is processed as sub prime.	MI Order	MI	MI	Enumerated: Aminus:
Mortgage Insurance Total Qualifying Liability Payment Amount	The total monthly borrower payments per lender guidelines.	MI Order	MI	MI	Money
Mortgage Insurance Transaction Reference Identifier	A unique tracking identifier assigned by the sender which is typically returned to the sender in the resulting response.	MI Order	MI	MI	String(30)
Mortgage Type	Specifies the type of mortgage being applied for. Collected on the URLA in Section I (Mortgage Applied For).	URLA	Product	Service ordering, MI, Underwriting	Enumerated: Conventional: Mortgage financing which is not insured or guaranteed by a government agency such as HUD/FHA, VA or Farmers Home Administration. 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 Agency: 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 Percent	The 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.	LP	Product	Underwriting	Numeric(8,7)
Negative Amortization Type	Specifies 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.	Lender	Product	MI, Secondary, Underwriting	Enumerated: No Negative Amortization: Potential Negative Amortization: Scheduled Negative Amortization:
Negotiation Accepted Loan Count	The number of loans in this pool that were accepted.	(not specified)	(not specified)	Secondary	Numeric(6,0)
Negotiation Conditionally Accepted Loan Count	The number of loans that were conditionally accepted.	(not specified)	(not specified)	Secondary	Numeric(6,0)
Negotiation Date	The date this negotiation was made.	(not specified)	(not specified)	Secondary	Date/Time
Negotiation Declined Loan Count	The number of loans in this pool that were declined.	(not specified)	(not specified)	Secondary	Numeric(6,0)
Negotiation Detail Type	The status of this loan with regards to this negotiation.	(not specified)	(not specified)	Secondary	Enumerated: Accepted: Accepted as part of this negotiation. ConditionallyAccepted: Conditionally accepted as part of this negotiation. Declined: Declined as part of this negotiation.
Negotiation Expiration Date	The date the negotiation expires (must be accepted or responded to by).	(not specified)	(not specified)	Secondary	Date/Time
Negotiation Is Seller Indicator	Flag indicating whether this negotiation is the seller responding to a buyer offer.	(not specified)	(not specified)	Secondary	Boolean
Negotiation Loan Status Description	Additional information about the status of this loan within this negotiation.	(not specified)	(not specified)	Secondary	String
Negotiation Ratified Date	The date that both parties in the negotiation agreed to a price for the pool.	(not specified)	(not specified)	Secondary	Date/Time
Negotiation Status Type	The status of this negotiation.	(not specified)	(not specified)	Secondary	Enumerated: Accepted: This negotiation has been accepted. Countered: This negotiation has been countered by another offer. Offered: Offered. Withdrawn: This negotiation has been withdrawn.
Note Date	The note date for this loan.	URLA	Loan	Service ordering, Securitization	Date/Time
Notification Contact Name	The unstructured name of the notification contact employed by the lender.	Lender	Parties To Transaction	MI	String
null	The 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.	VA	FHA/VA	Underwriting	Money
Original Combined Loan To Value Ratio	The combined loan to value ratio for all liens on the property when this loan was originated, expressed as a ratio.	(not specified)	(not specified)	Secondary	Numeric
Original Loan To Value Ratio	The original loan-to-value ratio for the loan (expressed as a ratio).	(not specified)	(not specified)	Secondary	Numeric
Original Principal Balance	The original principal balance on the loan.	(not specified)	(not specified)	Service ordering, Secondary	Numeric
Other Amortization Type Description	A free-form text field used to collect additional information or a description of the amortization type when Other is selected. Collected on the URLA in Section I (Amortization Type - Other Explain).	URLA	Product	MI, Underwriting	String
Other Credit Liability Type Description	If Liability Type was set to Other, then this element will contain its description.	Credit Report	Credit	Credit Reporting	String
Other Credit Report Type Description	When Report Type is set to Other, enter its description in this element.	Credit Report	Credit	Credit Reporting	String
Other Credit Repository Included Indicator	This element indicates whether another repository source is included in either the request or response.	Credit Report	Credit	Credit Reporting	Boolean
Other Credit Score Model Name	When the Credit Score Model Name Type is set to Other, this element holds the description.	Credit Report	Credit	Credit Reporting	String
Other Declaration Description	A 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.	URLA	Declarations	Underwriting	String
Other Housing Expense Description	A 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).	URLA	Expense	Underwriting	String
Other Income Description	A 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).	URLA	Income	Credit Reporting, Underwriting	String
Other Loan Purpose Description	A 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).	URLA	Application	Service ordering, MI, Underwriting	String
Other Mortgage Type Description	A 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).	URLA	Product	Service ordering, Underwriting	String
Other Party Paid Conventional Closing Costs Amount	The 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.	URLA	Application	Underwriting	Money
Other Party Paid Conventional Discount Points Amount	The 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.	URLA	Application	Underwriting	Money
Other Party Paid FHA/VA Closing Costs Amount	The 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.	FHA	FHA/VA	Underwriting	Money
Other Party Paid FHA/VA Discount Points Amount	The dollar amount of the discount points which will be paid by a party other than the borrower or seller for FHA and VA loans.	FHA	FHA/VA	Underwriting	Money
Other Party Paid FHA/VA Discount Points Percent	The 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.	FHA	FHA/VA	Underwriting	Numeric(8,7)
Other Price Type Description	When Other is specified in Price Type, this element contains its description.	Credit Report	Credit	Credit Reporting	String
Other Public Record Dispostion Type Description	If the Public Record Disposition is set to Other, enter the disposition in this element.	Credit Report	Credit	Credit Reporting	String
Other Public Record Type Description	If the Public Record Type is set to Other, enter the type in this element.	Credit Report	Credit	Credit Reporting	String
Other Race/National Origin Description	A 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).	URLA	Declarations	Underwriting	String
Other Request Type	Allows for a text desctiption (non-enumerated value) to describe the type of request being passed among business partners.	(not specified)	Service Order	Service ordering, Credit Reporting	String
Other Response Format Type Description	Describes the Other format selected in the Response Format element.	Request	Credit	Service ordering, Credit Reporting	String
Other Response Method Type Description	Specify a delivery method not listed in the Response Method element.	Service Request	(not specified)	Service ordering, Credit Reporting	String
Outstanding Judgments Indicator	Borrowers answer to the question: Are there any outstanding judgments against you? Collected on the URLA in Section VIII line a.	URLA	Declarations	Credit Reporting, Underwriting	Boolean
ParameterMeaning	The meaning of this parameter.	(not specified)	(not specified)	Secondary	String
ParameterValue	The value for the parameter.	(not specified)	(not specified)	Secondary	String
Party To Lawsuit Indicator	Borrowers answer to the question: Are you a party to a lawsuit? Collected on the URLA in Section VIII line d.	URLA	Declarations	Credit Reporting, Underwriting	Boolean
Payment Adjustment Amount	The dollar amount to be added to the current payment. If the subject mortgage can change by means other than a rate adjustment.	Lender	Product	MI, Underwriting	Money
Payment Adjustment Calculation Type	Indicates the method for calculating the new payment at each change. If the subject mortgage can change by means other than a rate adjustment.	Lender	Product	MI, Underwriting	Enumerated: Add Fixed Dollar Amount to the Current Payment: Add Percent to Current Payment Amount: Add Percent to Effective Payment Rate:
Payment Adjustment Duration Months	The total number of months in the adjustment period.	Lender	Product	Underwriting	Numeric
Payment Adjustment Lifetime Cap Amount	The 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.	Lender	Product	MI, Underwriting	Money
Payment Adjustment Lifetime Cap Percent	The 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.)	Lender	Product	MI, Underwriting	Numeric(8,7)
Payment Adjustment Optional Type	Specifies whether the payment adjustment is optional or scheduled. Used for Adjustable Rate, GPM, GEM or Start Up mortgages.	Lender	Product	MI, Underwriting	Enumerated: Optional: Scheduled:
Payment Adjustment Percent	The percentage to be added to the current payment. If the subject mortgage can change by means other than a rate adjustment.	Lender	Product	MI, Underwriting	Numeric(8,7)
Payment Adjustment Periodic Cap Amount	The 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.	Lender	Product	MI, Underwriting	Money
Payment Adjustment Periodic Cap Percent	The 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.)	LP	Product	MI, Underwriting	Numeric(8,7)
Payment Frequency Type	Specifies the frequency of the mortgage payment.	Lender	Product	MI, Secondary, Underwriting	Enumerated: Bi-weekly: Monthly:
Penalty	The 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)	Secondary	Numeric(6,3)
PenaltyAmount	The amount of the penalty.	(not specified)	(not specified)	Secondary	Numeric
PenaltyReason	The reason this penalty was imposed.	(not specified)	(not specified)	Secondary	String
Planned Unit Development Indicator	Indicates whether project in which the subject property is located is a Planned Unit Development (PUD).	Valuation	Project	MI, Underwriting	Boolean
Pledged Asset Certificate of Deposit Amount	The dollar amount of the certificate of deposit that is being used as additional collateral on a pledged asset mortgage.	Lender	Pledged	Underwriting	Money
Pledged Asset Contributor Type	Specifies the owner of the pledged asset held as additional collateral.	Lender	Pledged	Underwriting	Enumerated: Borrower: Third Party:
Pledged Asset Financial Arrangement Amount	The dollar amount of the financial arrangement that is being used as additional collateral on a pledged asset mortgage.	Lender	Pledged	Underwriting	Money
Pledged Asset Life Insurance Amount	The dollar amount of the life insurance that is being used as additional collateral on a pledged asset mortgage.	Lender	Pledged	Underwriting	Money
Pledged Asset Release Date	The scheduled date of the release of the secured asset.	Lender	Pledged	Underwriting	Date/Time
Pledged Asset Savings Amount	The dollar amount of the savings account that is being used as additional collateral on a pledged asset mortgage.	Lender	Pledged	Underwriting	Money
Pool Asking Price Percent	The asking price for the pool, expressed as a percentage of the par (face) value.	(not specified)	(not specified)	Secondary	Numeric(6,3)
Pool Creation Date	Date the pool was created.	(not specified)	(not specified)	Secondary	Date/Time
Pool Description	The description of this pool.	(not specified)	(not specified)	Secondary	String
Pool Expiration Date	The date the pool expires.	(not specified)	(not specified)	Secondary	Date/Time
Pool Offered Price Percent	The price offered for this pool, expressed as a percentage of the par (face) value of the loans.	(not specified)	(not specified)	Secondary	Numeric(6,3)
Pool Scheduled Transfer Date	The scheduled date for the transfer of ownership for the loans in this pool.	(not specified)	(not specified)	Service ordering, Secondary	Date/Time
Pool Status Date	Date this status took effect for this pool.	(not specified)	(not specified)	Secondary	Date/Time
Pool Status Type	The status of this pool.	(not specified)	(not specified)	Secondary	Enumerated: InNegotiation: The sale of the pool is being negotiated. None: No status. Sold: The pool has been sold.
Prepaid Items Estimated Amount	The 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.	URLA	Application	Underwriting	Money
Prepayment Penalty Indicator	Indicates whether the loan includes a penalty charged to the borrower in the event of prepayment.	Lender	Product	Underwriting	Boolean
Prepayment Penalty Term	The term of the prepayment penalty for this loan.	(not specified)	(not specified)	Secondary	Numeric
Prepayment Restriction Indicator	Indicates 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).	Lender	Product	Underwriting	Boolean
Presently Delinquent Indicator	Borrowers 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	Declarations	Credit Reporting, Underwriting	Boolean
Primary Employment Indicator	This element is an indicator that tells whether the associated employment is the borrowers primary employment or not using a Y/N indicator.	URLA	Employment	Credit Reporting, Underwriting	Boolean
Principal and Interest Payment	The principal and interest monthly payment amount for the loan.	URLA	Loan	Origination, MI, Secondary	Money
Prior Income Amount	The dollar amount per month of the borrowers previous (vs. present or future) Income Type (e.g., current job base salary). Collected on the URLA in Section IV (Employment Information Monthly Income).	URLA	Income	Credit Reporting, Underwriting	Money
Prior Primary Borrower Self Employed Indicator	Indicates that in the referenced previous primary employment the borrower is self-employed. Collected on the URLA in Section IV (Self Employed Check Box).	URLA	Employment	Credit Reporting, Underwriting	Boolean
Prior Primary Employer Address 1	The unstructured (unparsed) street address of the borrowers prior primary employer. Collected on the URLA in Section IV (Address of Employer).	URLA	Employment	Credit Reporting, Underwriting	String
Prior Primary Employer Address 2	The unit or suite number (if any) of the address of borrowers prior primary employer. Collected on the URLA in Section IV (Address of Employer).	URLA	Employment	Credit Reporting, Underwriting	String
Prior Primary Employer Business Type Description	An expanded description of the borrowers prior primary employment type of business. Collected on the URLA in Section IV (Type of Business).	URLA	Employment	Credit Reporting, Underwriting	String
Prior Primary Employer City	The city in which the borrowers previous primary employer is located. Collected on the URLA in Section IV (Address of Employer).	URLA	Employment	Credit Reporting, Underwriting	String
Prior Primary Employer Country	The country in which the borrowers prior primary employer is located if not the U.S.A. Collected on the URLA in Section IV (Address of Employer).	URLA	Employment	Credit Reporting, Underwriting	String
Prior Primary Employer Name	The unstructured name of the borrowers prior primary employer. Collected on the URLA in Section IV (Employer Name).	URLA	Employment	Credit Reporting, Underwriting	String
Prior Primary Employer Position Description	An expanded description of the borrowers previous primary employment position. Collected on the URLA in Section IV (Position).	URLA	Employment	Credit Reporting, Underwriting	String
Prior Primary Employer Position Title	An expanded description of the borrowers previous primary employment title. Collected on the URLA in Section IV (Title).	URLA	Employment	Credit Reporting, Underwriting	String
Prior Primary Employer Postal Code	The postal code (zip code) of the address of borrowers prior primary employer. Collected on the URLA in Section IV (Address of Employer).	URLA	Employment	Credit Reporting, Underwriting	String
Prior Primary Employer State	The state that the borrowers prior primary employer is located. Collected on the URLA in Section IV (Address of Employer).	URLA	Employment	Credit Reporting, Underwriting	String
Prior Primary Employer Telephone	The telephone number of the prior primary employer. Collected on the URLA in Section IV (Business Phone).	URLA	Employment	Credit Reporting, Underwriting	String
Prior Primary Employment End Date	The end date for the borrowers previous primary employment. Collected on the URLA in Section IV (Dated To). Previous employment is reported if the borrower has been employed in their current position for less than two years	URLA	Employment	Credit Reporting, Underwriting	Date/Time
Prior Primary Employment Start Date	The start date for the borrowers previous primary employment. Collected on the URLA in Section IV (Dates From). Previous employment is reported if the borrower has been employed in their current position for less than two years.	URLA	Employment	Credit Reporting, Underwriting	Date/Time
Prior Property Title Type	Borrowers 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.	URLA	Declarations	Service ordering, Underwriting	Enumerated: 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 Type	Borrowers 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.	URLA	Declarations	Underwriting	Enumerated: 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.
Prior Residence Address 1	The unstructured street address at which the borrowers previous residence was located. Collected on the URLA in Section III (Former Address).	URLA	Borrower	Credit Reporting, MI, Underwriting	String
Prior Residence Address 2	The unit number (if any) of the address of the borrowers previous residence. Collected on the URLA in Section III (Former Address).	URLA	Borrower	Credit Reporting, MI, Underwriting	String
Prior Residence Apartment Or Unit	The unit number (if any) of the address of the borrowers previous residence. Collected on the URLA in Section III (Former Address).	URLA	Borrower	Credit Reporting	String
Prior Residence City	The name of the city in which the borrower previously resided. Collected on the URLA in Section III (Former Address).	URLA	Borrower	Credit Reporting, MI, Underwriting	String
Prior Residence Country	The name of the country in which the borrowers previous residence was located if not in USA. Collected on the URLA in Section III (Former Address).	URLA	Borrower	Credit Reporting, MI, Underwriting	String
Prior Residence Direction Prefix	The Direction Prefix address component of a prior borrower residence. (N, S, E, W, NW, SW, NE, SE)	URLA	Credit	Credit Reporting	String
Prior Residence Direction Suffix	The Direction Suffix address component of a prior borrower residence. (N, S, E, W, NW, SW, NE, SE)	URLA	Credit	Credit Reporting	String
Prior Residence House Or Building Number	The House Number or Building Number address component of a prior borrower residence.	URLA	Credit	Credit Reporting	String
Prior Residence Military APO FPO	The Military APO FPO address component of a prior borrower residence.	URLA	Credit	Credit Reporting	String
Prior Residence Post Office Box	The Post Office Box address component of a prior borrower residence. Usually combined with a rural route number.	URLA	Credit	Credit Reporting	String
Prior Residence Postal Code	The postal code (zip code for US addresses) of the address of borrowers previous residence. Collected on the URLA in Section III (Former Address).	URLA	Borrower	Credit Reporting, MI, Underwriting	String
Prior Residence Rural Route	The Rural Route address component of a prior borrower residence. Usually combined with a post office box number.	URLA	Credit	Credit Reporting	String
Prior Residence State	The name of the state in which the borrowers previous residence was located. Collected on the URLA in Section III (Former Address).	URLA	Borrower	Credit Reporting, MI, Underwriting	String
Prior Residence Street Name	The Street Name address component of a prior borrower residence.	URLA	Credit	Credit Reporting	String
Prior Residence Street Suffix	The Street Suffix address component of a prior borrower residence. (ST, AV, BV, CT, PL, etc. - Use USPS abbreviations.)	URLA	Credit	Credit Reporting	String
Prior Secondary Employer Address 1	The unstructured (unparsed) street address of the borrowers prior secondary employer. Collected on the URLA in Section IV (Address of Employer).	URLA	Employment	Credit Reporting, Underwriting	String
Prior Secondary Employer Address 2	The unit or suite number (if any) of the address of borrowers prior secondary employer. Collected on the URLA in Section IV (Address of Employer).	URLA	Employment	Credit Reporting, Underwriting	String
Prior Secondary Employer Business Type Description	An expanded description of the borrowers prior secondary employment type of business. Collected on the URLA in Section IV (Type of Business).	URLA	Employment	Credit Reporting, Underwriting	String
Prior Secondary Employer City	The city in which the borrowers previous secondary employer is located. Collected on the URLA in Section IV (Address of Employer).	URLA	Employment	Underwriting	String
Prior Secondary Employer Country	The country in which the borrowers prior secondary employer is located if not the U.S.A. Collected on the URLA in Section IV (Address of Employer).	URLA	Employment	Credit Reporting, Underwriting	String
Prior Secondary Employer Name	The unstructured name of the borrowers prior secondary employer. Collected on the URLA in Section IV (Employer Name).	URLA	Employment	Credit Reporting, Underwriting	String
Prior Secondary Employer Position Description	An expanded description of the borrowers previous secondary employment position. Collected on the URLA in Section IV (Position).	URLA	Employment	Credit Reporting, Underwriting	String
Prior Secondary Employer Position Title	An expanded description of the borrowers previous secondary employment title. Collected on the URLA in Section IV (Title).	URLA	Employment	Credit Reporting, Underwriting	String
Prior Secondary Employer Postal Code	The postal code (zip code) of the address of borrowers prior secondary employer. Collected on the URLA in Section IV.	URLA	Employment	Credit Reporting, Underwriting	String
Prior Secondary Employer State	The state that the borrowers prior secondary employer is located. Collected on the URLA in Section IV (Address of Employer).	URLA	Employment	Credit Reporting, Underwriting	String
Prior Secondary Employer Telephone	The telephone number of the prior secondary employer. Collected on the URLA in Section IV (Business Phone).	URLA	Employment	Credit Reporting, Underwriting	String
Prior Secondary Employment End Date	The end date for the borrowers previous secondary employment. referenced job. Collected on the URLA in Section IV (Dates To). Previous employment is reported if the borrower has been employed in their current position for less than two years	URLA	Employment	Credit Reporting, Underwriting	Date/Time
Prior Secondary Employment Self-Employment Indicator	Indicates that in the referenced previous secondary employment the borrower is self-employed. Collected on the URLA in Section IV (Self Employed Check Box).	URLA	Employment	Credit Reporting, Underwriting	Boolean
Prior Secondary Employment Start Date	The start date for the borrowers previous secondary employment referenced job. Collected on the URLA in Section IV (Dates From). Previous employment is reported if the borrower has been employed in their current position for less than two years.	URLA	Employment	Credit Reporting, Underwriting	Date/Time
Product Description	A free-form textual description of the loan product.	Lender	Product	Underwriting	String
Product Name	A unique identifier of the type of loan product.	Lender	Product	MI, Secondary, Underwriting	String
Product Source Type	Specifies the source of the list for identifiers of the loan product being financed.	Lender	Product	Underwriting	Enumerated: Fannie Mae: Freddie Mac:
Project Name	The name of the project in which subject property is located. (E.g. the name of the condominium or cooperative)	Valuation	Project	Service ordering, MI, Underwriting	String
Project Rented Unit Count	The total number of units currently being rented in project in which the subject property is located.	Valuation	Project	Service ordering, Underwriting	Numeric
Project Sold Unit Count	The total number of units sold and currently conveyed to owners in project in which the subject property is located.	Valuation	Project	Service ordering, Underwriting	Numeric
Project Total Unit Count	The total number of units (completed, proposed or under construction) in the project in which the subject property is located.	Valuation	Project	Service ordering, Underwriting	Numeric
Property Acquired Year	The year in which the land & buildings of the subject property were acquired by borrower. Used for refinance loans. Collected on the URLA in Section II (Refinance Property Acquired).	URLA	Subject Property	Service ordering, Secondary, Underwriting	Date/Time
Property City Assessor Parcel Identifier	Unique tax map number assigned by the city in which the subject property is located.	LP	Subject Property	Service ordering, Underwriting	String
Property County Assessor Parcel Identifier	Unique tax map number assigned by the county in which the subject property is located.	LP	Subject Property	Service ordering, Underwriting	String
Property Foreclosure Past Seven Years Indicator	Borrowers 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	Declarations	Credit Reporting, Underwriting	Boolean
Property Gross Living Area Square Feet	The number of square feet in the gross living area of the subject property including only finished, above grade rooms.	Valuation	Appraisal	Service ordering, MI, Underwriting	Numeric
Property Ownership Type	Describes the type of ownership associated with a subject property.	Valuation	Subject Property	Service ordering, MI, Underwriting	Enumerated: 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 State Assessor Parcel Identifier	Unique tax map number assigned by the state in which the subject property is located.	LP	Subject Property	Service ordering, Underwriting	String
Purchase Credit Amount	The 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).	URLA	Purchase Credit	Underwriting	Money
Purchase Credit Description	A 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)	URLA	Purchase Credit	Underwriting	String
Purchase Credit Source Type	Specifies 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)	URLA	Purchase Credit	Underwriting	Enumerated: Borrower - Paid Outside of Closing: Builder/Developer: Employer: Lender: Non-Parent Relative: Other: Parent: Property Seller: Real Estate Agent: Unrelated Friend:
Purchase Credit Type	Specifies 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).	URLA	Purchase Credit	Underwriting	Enumerated: 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 Amount	The 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, URLA	Application	Service ordering, MI, Underwriting	Money
Purpose of Refinance Description	A free-form text field used to capture the purpose of a refinance. Collected on the URLA in Section II (Purpose of Refinance).	URLA	Application	Service ordering, Underwriting	String
Race National Origin Refusal Indicator	Borrowers answer to the statement: I do not wish to furnish the HMDA) information. Collected on the URLA in Section X.	URLA	Declarations	MI, Underwriting	Boolean
Race/National Origin Type	The borrowers or interviewers statement about the borrowers race or national origin. Collected on the URLA in Section X (Race/National Origin).	URLA	Declarations	MI, Underwriting	Enumerated: 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 Type	Indicates the method for calculating the new rate at each change. If the subject mortgage can change by means other than a rate adjustment.	Lender	Product	Underwriting	Enumerated: Add Percent to Current Rate: Add Percent to Original Rate: Index + Margin:
Rate Adjustment Duration Months	The total number of months for which the rate adjustment will be effective.	Lender	Product	MI, Underwriting	Numeric
Rate Adjustment Initial Cap Percent	The maximum allowed increase in the interest rate (cap) at the initial adjustment.	Lender	Product	MI, Underwriting	Numeric(8,7)
Rate Adjustment Lifetime Cap Percent	The 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.	Lender	Product	MI, Underwriting	Numeric(8,7)
Rate Adjustment Percent	Percentage to be added to current or original interest rate. If the interest rate on the subject loan can change.	Lender	Product	Underwriting	Numeric(8,7)
Rate Adjustment Subsequent Cap Percent	The 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.	Lender	Product	MI, Underwriting	Numeric(8,7)
Receiving Party Address 1	The street address for the party receving a request group.	(not specified)	(not specified)	Service ordering, Credit Reporting	String
Receiving Party Address 2	The unit number or suite that further identifies the address beyond the street address.	(not specified)	(not specified)	Service ordering, Credit Reporting	String
Receiving Party City	The city that for the party receiving a request group.	(not specified)	(not specified)	Service ordering, Credit Reporting	String
Receiving Party Country	The country where the party receiving a request group is located.	(not specified)	(not specified)	Service ordering, Credit Reporting	String
Receiving Party Name	The full name of the business, person, or system that will receive the request group for further processing. The send to: addressee.	(not specified)	(not specified)	Service ordering, Credit Reporting	String
Receiving Party Postal Code	The zip or postal code for the party receiving a request group.	(not specified)	(not specified)	Service ordering, Credit Reporting	String
Receiving Party State	The state where the party receiving a request group is located.	(not specified)	(not specified)	Service ordering, Credit Reporting	String
Refinance - Including Debts to be Paid Off Amount	The 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.	URLA	Application	Secondary, Underwriting	Money
Refinance Completed Improvements Amount	The 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).	URLA	Subject Property	Underwriting	Money
Refinance Completed Improvements Description	A 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).	URLA	Subject Property	Underwriting	String
Refinance Proposed Improvements Amount	The 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).	URLA	Subject Property	Underwriting	Money
Refinance Proposed Improvements Description	A 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).	URLA	Subject Property	Underwriting	String
Refinance Servicer Loan Identifier	The current servicer loan number for a loan being refinanced.	(not specified)	(not specified)	Service ordering	String
Relocation New Employer Type	Specifies the conditions under which the borrower is relocating whether for a position with an existing employer or with a new employer.	Lender	UW Case	Underwriting	Enumerated: Current Employer: New Employer:
Remaining Term	The remaining term of this loan, in months.	(not specified)	(not specified)	Secondary	Numeric
REO Address 1	The unstructured (Unparsed) street address of other real property (not the subject property) owned by the borrower. Collected on the URLA in Section VI (Schedule of Real Estate Owned).	URLA	REO	Secondary, Underwriting	String
REO Address 2	The unit or suite number (if any) of the address of other real property (not the subject property) owned by the borrower. Collected on the URLA in Section VI (Schedule of Real Estate Owned).	URLA	REO	Secondary, Underwriting	String
REO City	The city in which other real property (not the subject property) owned by the borrower is located. Collected on the URLA in Section VI (Schedule of Real Estate Owned).	URLA	REO	Secondary, Underwriting	String
REO Country	The country in which other real property (not the subject property) owned by the borrower is located if not U.S.A. Collected on the URLA in Section VI (Schedule of Real Estate Owned).	URLA	REO	Secondary, Underwriting	String
REO Postal Code	The postal code (zip code) of the address of other real property (not the subject property) owned by the borrower. Collected on the URLA in Section VI (Schedule of Real Estate Owned).	URLA	REO	Secondary, Underwriting	String
REO Property Category Type	Specifies a general Property Category Type into which the REO property can be classified.	URLA	REO	Secondary, Underwriting	Enumerated: Attached: 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. Collected on the URLA in Section VI ( Schedule or Real Estate - Type of Property). 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. Collected on the URLA in Section VI ( Schedule or Real Estate - Type of Property). 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.) Collected on the URLA in Section VI ( Schedule or Real Estate - Type of Property). 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. Collected on the URLA in Section VI ( Schedule or Real Estate - Type of Property). High Rise: Structure of multiple residential dwelling units of 5 stories or more. Collected on the URLA in Section VI ( Schedule or Real Estate - Type of Property). Low Rise: 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. Collected on the URLA in Section VI ( Schedule or Real Estate - Type of Property). Mobile Home: Dwelling unit constructed on metal base frame which features wheels and axles to be used in transporting home from place to place. Collected on the URLA in Section VI ( Schedule or Real Estate - Type of Property). 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. Collected on the URLA in Section VI ( Schedule or Real Estate - Type of Property). 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. Collected on the URLA in Section VI ( Schedule or Real Estate - Type of Property). 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.) Collected on the URLA in Section VI ( Schedule or Real Estate - Type of Property).
REO Property Usage Type	Specifies intended use by the borrower of the REO property. Collected on the URLA in Section VI (Schedule of Real Estate Owned).	URLA	REO	Secondary, Underwriting	Enumerated: Investor: A residential or non-residential property owned for the purpose of rental income or some form of appreciation. Primary Residence: A residence that the owner physically occupies and uses as his or her home. Also know as owner occupied. Second Home: A property purchased for occupancy by the owner but is not the primary residence. Usually recreational properties.
REO State	The state in which other real property (not the subject property) owned by the borrower is located. Collected on the URLA in Section VI (Schedule of Real Estate Owned).	URLA	REO	Secondary, Underwriting	String
REO Status Type	The borrowers intended disposition of an owned property. Collected on the URLA in Section VI (Schedule of Real Estate Owned).	URLA	REO	Secondary, Underwriting	Enumerated: 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.
Request DateTime	A system generated datetime stamp enclosed within each request to identify the initiation time of the request.	(not specified)	Service Order	Service ordering, Credit Reporting	Date/Time
Request Other Action Description	The action requested by the customer to be taken by the fulfillment party for a generic request.	(not specified)	(not specified)	Service ordering, Credit Reporting	String
Request Type	Describes the type of request within a request group (i.e. related to the specific service referenced in the request).	(not specified)	Service Order	Service ordering, Credit Reporting	Enumerated: Credit: Credit Report Escrow: Escrow/Settlement/Closing Services Flood: Flood Data Service OtherRequest: Other Request Type Tax: Tax Services Title: Title Services Valuation: Property Valuation/Appraisal
Requesting Party Address 1	The street address for the original party of the request group (ultimate customer).	(not specified)	(not specified)	Service ordering, Credit Reporting	String
Requesting Party Address 2	The unit number that further specifies the location of the requesting party (ultimate customer).	(not specified)	(not specified)	Service ordering, Credit Reporting	String
Requesting Party City	The city of the original party of a request group (ultimate customer).	(not specified)	(not specified)	Service ordering, Credit Reporting	String
Requesting Party Country	The country for the original party of a request group (ultimate customer).	(not specified)	(not specified)	Service ordering, Credit Reporting	String
Requesting Party Name	The full name of 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.	(not specified)	(not specified)	Service ordering, Credit Reporting	String
Requesting Party Postal Code	The zip or postal code of the original party of a request group (ultimate customer).	(not specified)	(not specified)	Service ordering, Credit Reporting	String
Requesting Party State	The state of the original party of the request group (ultimate customer).	(not specified)	(not specified)	Service ordering, Credit Reporting	String
Residency Basis Type	The 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).	URLA	Borrower	Credit Reporting, Underwriting	Enumerated: 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 Years	The 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).	URLA	Borrower	Credit Reporting, MI, Secondary, Underwriting	Numeric
Response DateTime	A system generated datetime stamp enclosed within each response to identify the initiation time of the response.	(not specified)	(not specified)	Service ordering, Credit Reporting	Date/Time
Response Destination	Supply 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 Order	Service ordering, Credit Reporting	String
Response Format Type	Designate 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 Request	Credit	Service ordering, Credit Reporting	Enumerated: 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 Type	Specifies the method for delivering the credit report - Email, Fax, File, FTP, HTTP, etc. The destination information is listed in the Response Destination element.	Request	Credit	Service ordering, Credit Reporting	Enumerated: 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 Party Address 1	The street address where the party that wants a copy of a response is located.	(not specified)	(not specified)	Service ordering, Credit Reporting	String
Response Party Address 2	The unit number or suite that further identifies where the location in addition to street address for a party that wants to be copied on repsonses to a request.	(not specified)	(not specified)	Service ordering, Credit Reporting	String
Response Party City	The city where the party that wants to be copied on responses to a request is located.	(not specified)	(not specified)	Service ordering, Credit Reporting	String
Response Party Country	The country where the party is located that wants copies of responses to a request.	(not specified)	(not specified)	Service ordering, Credit Reporting	String
Response Party Name	The full name of a person or organization that wants to receive copies of responses to the request.	(not specified)	(not specified)	Service ordering, Credit Reporting	String
Response Party Postal Code	The postal code for the location of the party that wants to be copied on responses to a request.	(not specified)	(not specified)	Service ordering, Credit Reporting	String
Response Party State	The state where a party is located that wants copies of responses to a request.	(not specified)	(not specified)	Service ordering, Credit Reporting	String
Sales Concession Amount	The 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.	LP	UW Case	Underwriting	Money
Scheduled First Payment Date	The date of the first scheduled mortgage payment to be made by the borrower under the terms of the mortgage.	LP	UW Case	MI, Underwriting	Date/Time
Schooling Years	The number of years the borrower has attended school. Collected on the URLA in Section III (Yrs. School).	URLA	Borrower	Underwriting	Numeric
Secondary Financing Refinance Indicator	Indicates whether a subordinate mortgage will be paid off by the refinance and rolled into the new first mortgage balance. Used for refinances.	LP	UW Case	Underwriting	Boolean
Section of Act Type	Identifies the section of the National Housing Act used in underwriting government loans. Used for VA or FHA loan evaluations.	FHA	FHA/VA	Underwriting	Enumerated: 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 234 c: Condominium 234 c/251: Condominium/ARM
Self -Employment Income Indicator	Indicates whether the borrowers indicated Income Type from self-employment. Used for both current and prior income.	URLA	Income	Underwriting	Boolean
Self Employed Business Ownership Percent	The percent of ownership a borrower has in a business in which the borrower is self-employed.	Borrower	Asset	Credit Reporting, Underwriting	Numeric(8,7)
Seller Paid Conventional Closing Costs Amount	The estimated closing costs that the seller of the subject property will pay. Collected on the URLA in Section VII line k.	URLA	Application	MI, Underwriting	Money
Seller Paid FHA/VA Closing Costs Amount	The 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.	FHA	FHA/VA	Underwriting	Money
Seller Paid FHA/VA Discount Points Amount	The dollar amount of the discount points that the seller of the property will pay for FHA and VA loans.	FHA	FHA/VA	Underwriting	Money
Seller Paid FHA/VA Discount Points Percent	The 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.	FHA	FHA/VA	Underwriting	Numeric(8,7)
Separate Maintenance Owed To Name	The 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).	URLA	Liability	Underwriting	String
Servicing Fee Percentage	The servicing fee, expressed as a percentage, for this loan.	(not specified)	(not specified)	Secondary	Numeric
Stock/Bond/Mutual Fund Name	The 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).	URLA	Asset	Credit Reporting, Underwriting	String
Stock/Bond/Mutual Fund Share Count	The 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).	URLA	Asset	Credit Reporting, Underwriting	Numeric
Structure Built Year	The year in which the structure on the subject property was completed. Collected on the URLA in Section II (Year Built).	URLA	Subject Property	MI, Secondary, Underwriting	Date/Time
Subject Loan Resubordination Indicator	Indicates whether the liability will be re-subordinated to the subject loan after closing.	Borrower	Liability	Underwriting	Boolean
Subject Property Address 1	The unstructured (Unparsed) street address of subject property (e.g., 123 Main Street). Collected on the URLA in Section II (Subject Property Address).	URLA	Subject Property	Credit Reporting, MI, Secondary, Underwriting	String
Subject Property Address 2	The unit number (if any) of the address of the subject property. Collected on the URLA in Section II (Subject Property Address).	URLA	Subject Property	Credit Reporting, MI, Secondary, Underwriting	String
Subject Property Appraised Value Amount	Statement of subject propertys value from a valid property valuation source	Valuation	Subject Property	MI, Secondary, Underwriting	Money
Subject Property Block	The subject propertys block in a planned unit development.	URLA	Property	Secondary, Securitization	String
Subject Property City	The city in which the subject property is located. Collected on the URLA in Section II (Subject Property Address).	URLA	Subject Property	Credit Reporting, MI, Secondary, Underwriting	String
Subject Property Country	The county in which the subject property is located, if not in the U.S.A. Collected on the URLA in Section II (Subject Property Address).	URLA	Subject Property	Credit Reporting, Secondary, Underwriting	String
Subject Property County	The county in which the subject property is located.	FHA	Subject Property	MI, Secondary, Underwriting	String
Subject Property County Code	Code identifying the county within a state where the Subject Property is located. (Designator Code based on FIPS Publication 6-4)	FIPS	Subject Property	MI, Secondary	String(5)
Subject Property Estimated Value Amount	A statement of the subject propertys present market value from the borrowers or loan originators estimate.	URLA	Subject Property	MI, Secondary, Underwriting	Money
Subject Property Financed Number of Units	The number of individual family dwelling units being financed in the subject property. Collected on the URLA in Section II (No. Of Units).	URLA	Subject Property	MI, Secondary, Underwriting	Numeric
Subject Property Land Appraised Value Amount	This is the appraised present value of the land for the subject property if it acquired separately. It assumes that the valuation comes from a professional property appraisal source. Collected on the URLA in Section II (Present Value of Lot) for construction or construction to permanent loans. Depending on business scenario, this may also be used on the URLA in Section II line c.	URLA	Application	Secondary, Underwriting	Money
Subject Property Land Estimated Value Amount	This is the estimated present value of the land for the subject property if it is acquired separately. It assumes that the valuation comes from the borrower, lender, or someone other than a professional appraiser. Collected on the URLA in Section II (Present Value of Lot) for construction or construction to permanent loans.	URLA	Application	Secondary, Underwriting	Money
Subject Property Land Original Cost Amount	This is the original cost of the land for the subject property if it is acquired separately. Collected on the URLA in Section II (Original Cost) for construction or construction to permanent loans. Depending on business scenario, this may also be used on the URLA in Section II line c.	URLA	Application	Secondary, Underwriting	Money
Subject Property Leasehold Expiration Date	The final expiration date of the ground lease for the lot of the subject property. Collected on Section II (Estate Will Be Held In - Leasehold Date).	URLA	Subject Property	Secondary, Underwriting	Date/Time
Subject Property Liability Age Months	The age in months of a liability secured by the subject property.	Lender	Liability	Secondary, Underwriting	Numeric
Subject Property Long Legal Description	A free-form text field used to capture the legal description of the subject property. A long legal description would be used for metes and bounds descriptions. Collected on the URLA in Section II (Legal Description).	URLA	Subject Property	Secondary, Underwriting	String
Subject Property Number of Stories	The number of stories in the subject property.	Valuation	Property	Secondary, Securitization	Numeric
Subject Property Original Cost Amount	The dollar amount of the original cost of subject property at time of acquisition. Collected on the URLA in Section II Refinance - Original Cost).	URLA	Subject Property	Service ordering, Secondary, Underwriting	Money
Subject Property Postal Code	The postal code (zip code) of the address of the subject property. Collected on the URLA in Section II (Subject Property Address).	URLA	Subject Property	Credit Reporting, MI, Secondary, Underwriting	String
Subject Property Property Category Type	Specifies the type of dwelling or structure for the subject property.	Valuation	Subject Property	MI, Secondary, Underwriting	Enumerated: 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.)
Subject Property Proposed Housing Expense Payment Amount	The dollar amount per month of the proposed housing Expense Type for the subject property. . Collected on the URLA in Section V (Monthly Housing Expense - Proposed).	URLA	Expense	MI, Secondary, Underwriting	Money
Subject Property Rights Type	Specifies the intended property ownership rights for the subject property. Collected on the URLA in Section II (Estate Will Be Held In).	URLA	Subject Property	Service ordering, Secondary, Underwriting	Enumerated: 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. Leasehold: An estate or interest in real property held by virtue of a lease. Unassigned:
Subject Property Section	The subject property section in a planned unit development.	URLA	Property	Secondary, Securitization	String
Subject Property Short Legal Description	A free-form text field used to capture the short legal description of the subject 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).	URLA	Subject Property	Secondary, Underwriting	String
Subject Property State	The state in which the subject property is located. Collected on the URLA in Section II (Subject Property Address).	URLA	Subject Property	Credit Reporting, MI, Secondary, Underwriting	String
Subject Property Subdivision	The subject property subdivision in a planned unit development.	URLA	Property	Secondary, Securitization	String
Subject Property Usage Type	Specifies intended use by the borrower of the subject property. Collected on the URLA in Section II (Property Will Be).	URLA	Subject Property	MI, Secondary, Underwriting	Enumerated: 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.
Submitting Party Address 1	The street address for the party sending through a request on behalf of a requsting party.	(not specified)	(not specified)	Service ordering, Credit Reporting, Secondary	String
Submitting Party Address 2	The unit number that further specifies the location of a party in addition to street address for the party sending through a request on behalf of a requesting party.	(not specified)	(not specified)	Service ordering, Credit Reporting, Secondary	String
Submitting Party City	The city for the party sending through a request on behalf of a requesting party.	(not specified)	(not specified)	Service ordering, Credit Reporting, Secondary	String
Submitting Party Country	The country for the party that is sending a request on behalf of a requesting party.	(not specified)	(not specified)	Service ordering, Credit Reporting, Secondary	String
Submitting Party Name	The full name of the individual or organization that is placing the request group on behalf of the requesting party.	MI Order	MI	Service ordering, Credit Reporting, MI, Secondary	String
Submitting Party Postal Code	The zip or postal code for the party sending through a request on behalf of a requesting party.	(not specified)	(not specified)	Service ordering, Credit Reporting, Secondary	String
Submitting Party State	The state for the party sending a request through on behalf of a requesting party.	(not specified)	(not specified)	Service ordering, Credit Reporting, Secondary	String
Subordinate Lien - Affordable Second Amount	The 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.	URLA	Application	Underwriting	Money
Subordinate Lien - Closed End Second Amount	The 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.	URLA	Application	Underwriting	Money
Subordinate Lien - HELOC Amount	The 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.	URLA	Application	Underwriting	Money
Subordinate Lien - Seller Take Back Amount	The 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.	URLA	Application	Underwriting	Money
Subsequent Payment Adjustment Months	The number of months between the subsequent payment adjustments. If the subject mortgage payments can change by means other than a rate adjustment.	Lender	Product	MI, Underwriting	Numeric
Subsequent Rate Adjustment Months	The number of months between the subsequent rate adjustments. If the interest rate on the subject loan can change.	Lender	Product	MI, Underwriting	Numeric
Taxes and Insurance Payment Amount	The portion of the monthly payment for the loan that pays for taxes and insurance.	(not specified)	(not specified)	Secondary	Numeric
Third Party Name	(not specified)	(not specified)	(not specified)	MI	String
Title Manner Held Type	Describes 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.	URLA	Application	Underwriting	Enumerated: Joint With Other Than Spouse: Joint With Spouse: Sole:
Title Product Description	Specific product requested with service order.	(not specified)	(not specified)	Service ordering	Enumerated:
Titleholder Name	Name(s) of the individual or entity that will hold title to the property. Collected on the URLA in Section II (Title Will Be Held).	URLA	Application	Underwriting	String
Total Loan Payment	The total payment for this loan.	(not specified)	(not specified)	Secondary	Numeric
Underwriter Name	The unstructured name of the underwriter employed by the lender.	Lender	Parties To Transaction	Underwriting	String
Unit Resale Indicator	Indicates whether the subject property unit is a resale and not an original purchase from the builder / developer.	Valuation	Subject Property	Service ordering, Secondary, Underwriting	Boolean
Unpaid Principal Balance	The current unpaid principal balance on the loan.	(not specified)	(not specified)	Secondary	Numeric
VA Entitlement Amount	The dollar amount of guarantee by the VA available to the veteran borrower.	Borrower	FHA/VA	Underwriting	Money
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.	LP	FHA/VA	Underwriting	Numeric
ValuationProductDescription	The product offerings that are available for any valuation/appraisal services.	(not specified)	Appraisal	Service ordering	String
Veteran Status Indicator	Indicates whether the borrower qualifies as a Veteran under HUD guidelines, and the FHA loan application should be evaluated as a 203(b) Vet Loan. Indicates if any borrower qualifies as a Veteran under VA guidelines for the VA loan application.	Lender	Declarations	Underwriting	Boolean