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 | String |
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.
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Appraisal Effective Date | Effective date of the appraisal report on the subject property. | Valuation | Appraisal | Underwriting | Date/Time |
Appraisal Method Type | Method used by the appraiser to arrive at the appraised value. | Valuation | Appraisal | MI, Underwriting | Enumerated:- Automated Valuation Method:
- Broker's Price Opinion:
- Drive By:
- Full Appraisal:
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Appraisal Property Condition Type | Indicates status of property and conditions under which the appraiser estimated value. | Valuation | Appraisal | MI, Underwriting | Enumerated:- As Is:
- Subject to Completion per Plans and Specifications:
- Subject To Repairs Alterations Inspections Or Conditions:
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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 |
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 interest rate in the manner described by the calculation method. | 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:- 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:
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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) |
ARM Type Description | A free-form text field used to collect additional information or a description of the ARM program. Collected on the URLA in Section I (Amortization Type:ARM (type):). | URLA | Application | Application, Underwriting | String(30) |
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, MI, Underwriting | Money |
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 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, MI, 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).
- Borrower Estimated Total Assets: The asset amount used by the lender to qualify the borrower for the loan.
- Bridge Loan Not Deposited: Proceeds of a loan (secured by borrowers present house) to provide homebuyer with funds for down payment & closing costs on a new home before selling present house, which have not yet been deposited to borrowers accounts or included with other assets disclosed. Collected on the URLA in Section VI (Assets - Other Assets).
- Cash On Hand: Currency physically possessed by borrower, not deposited in any financial institution. Considered liquid. Collected on the URLA in Section VI (Assets - Other Assets).
- Certificate of Deposit / Time Deposit: Certificates issued by financial institutions with a stated term or interest rate, and with a set maturity date. The bank pays the holder in due course at maturity. Early withdrawal subject to penalty. Considered liquid. Collected on the URLA in Section VI (Assets).
- Checking Account: Transaction account with a financial institution. Accounts purpose is to effect transfer of owners funds to others by various methods (e.g., check, EFT, ACH, draft). Technical name is demand deposit account (DDA). Considered liquid. Collected on the URLA in Section VI (Assets - Checking Account).
- Earnest Money Cash Deposit Toward Purchase: Deposit made to bind the conditions of a real estate sale. Deposited in escrow account controlled by others, so funds cannot be included in disclosure in any other account. Collected on the URLA in Section VI (Assets - Cash Deposit).
- Gifts Not Deposited: Money given as gift (no repayment expected) to Borrowers to assist in home purchase, usually from relatives or close friend, where gift funds have not yet been deposited or included with other assets. Collected on the URLA in Section VI (Assets - Other Assets).
- Grants Not Deposited: Money scheduled to be given as grant (no repayment expected) to Borrowers to assist in home purchase, usually from local organization or charity, where grant funds have not yet been deposited to borrowers accounts or included with other assets. Collected on the URLA in Section VI (Assets - Other Assets).
- Life Insurance: A life insurance policy with a value or investment component. Details of amounts for each policy collected on URLA in Section VI (Assets - Life Insurance Face Amount) or Accumulated investment cash value of life insurance policy, net of any loans against that amount. Detail of amounts for each policy collected on URLA in Section VI (Assets - Life Insurance Net Cash Value).
- Money Market Fund: Mutual fund that allows individuals to participate in managed investments in short-term debt securities, such as certificates of deposit and Treasury bills. Considered liquid. Collected on the URLA in Section VI (Assets).
- Mutual Fund : Financial entity that invests its shareholders funds in stocks and bonds of other entities with the objective of obtaining a return on its shareholders investment. Collected on the URLA in Section VI (Assets - Stocks & Bonds).
- Net Worth of Business Owned: For a business owned by borrower, the amount resulting from the calculation Assets minus liabilities. Collected on the URLA in Section VI (Assets - Net Worth of Business).
- Other Liquid Assets: General category to disclose detail of other borrower assets that have a ready market where a quick sale would yield the amount disclosed (e.g., commodity contract, certain currencies or coins). Typically has free text description. Collected on the URLA in Section VI (Assets - Other Assets).
- Other Non-Liquid Assets: General category to disclose detail of other borrower assets that have little ready market (e.g., statues). Typically has FREE TEXT description. Collected on the URLA in Section VI (Assets - Other Assets).
- Pending Net Sale Proceeds from Real Estate Assets: Estimated net cash proceeds (sales price - obligations) from anticipated sale of borrowers real estate assets.
- Real Estate Owned: Market value of real estate owned by the borrower. Collected on the URLA in Section VI (Schedule of Real Estate Owned).
- Retirement Funds - Total: Sum of all 401ks, IRAs, etc. controlled by borrower(vested) valued at market. Collected on the URLA in Section VI (Assets - Vested Retirement Fund).
- Savings Account: Interest-paying account with a financial institution whose main purpose is to earn interest on owners funds held therein. This is NOT a demand deposit account. Considered liquid. Collected on the URLA in Section VI (Assets - Savings Account).
- Secured Borrowed Funds Not Deposited: Proceeds from a loan secured by borrowers assets, which have not yet been deposited to borrowers accounts or included with other assets disclosed. Considered liquid. Collected on the URLA in Section VI (Assets - Other Assets).
- Stock: Financial instrument evidencing an ownership interest in entity that issued the stock. Typical valuation method is Market. Collected on the URLA in Section VI (Assets - Stocks & Bonds).
- Trust Account: Fiduciary relationship where legal title to a property is transferred to a trustee with the intention the property be administered by the trustee for benefit of the beneficiary, who holds equitable title to such property. Collected on the URLA in Section VI (Assets - Other Assets).
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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 |
Assumability Indicator | Indicates whether the loan is assumable by another borrower. | Lender | Product | Secondary, Underwriting | Boolean |
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 | Date/Time |
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 VIII 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 | Flood, 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 borrowers spouse will not be used as a basis for loan qualification, but his or her liabilities must be considered because the borrower resides in a community property state, the security property is located in a community property state, or the borrower is relying on other property located in a community property state as a basis for repayment of the loan.
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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 VIII line h. | URLA | Declarations | Credit Reporting, Underwriting | Boolean |
Borrower Age at Application | The age of the borrower at the time of application. | URLA | Borrower | Servicing, Underwriting | Numeric |
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 | MI | Enumerated: |
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, Flood, 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 Home Telephone Number | The home telephone number of the borrower. Collected on the URLA in Section III (Home Phone). | URLA | Borrower | Credit Reporting, Underwriting | String |
Borrower Joint Identifier | The identifier used to link applicants whose assets and liabilities are reported jointly on the loan application. It is recommended that the Borrower ID be used as the identifier. | Lender | Borrower | Underwriting | String |
Borrower Last Name | The last name of the borrower. Collected on the URLA in Section III (Borrowers Name). | URLA | Borrower | Service ordering, Credit Reporting, Flood, 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 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 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 | MI, Underwriting | Money |
Borrower Residency Type | This attribute, accompanying borrower residence data, qualifies it as either the current or prior borrowers residence. | URLA | Borrower | Service ordering, Credit Reporting, MI, Secondary, Underwriting | Enumerated:- Current: The borrowers current residence
- Prior: The borrowers prior residence
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Borrower Spouse Identifier | The identifier used to link two borrowers who are married to each other. It is recommended that the Borrower ID be used as the identifier. | 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 |
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:
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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:
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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 months from the first scheduled payment to first buydown adjustment. | 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.
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Census Tract Identifier | Identifies census tract as defined by the U.S. Census Bureau where subject property is located. | Lender | Subject Property | 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 VIII line j and line k. | URLA | Declarations | Credit Reporting, Underwriting | Enumerated:- Non-Permanent Alien:
- Non-Resident Alien:
- Permanent Resident Alien:
- Unknown:
- US Citizen:
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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 VIII 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.
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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:- None: Not qualified under the CRA
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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 | Underwriting | Money |
Comparable Properties Exist Indicator | Indicates whether qualified comparable data values exist for the subject property. | Valuation | Appraisal | Underwriting | Boolean |
Comparable Property Unadjusted Sales Price Amount | The dollar amount of the sale price of a comparable property. | Valuation | Appraisal | 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 URLA 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 | 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, Flood, 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, Flood, 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, Flood, 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, Flood, 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, Flood, 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 Business Type | The credit repository bureaus can identify the type of business of the liability holder or the entity requesting a credit report as listed in a credit inquiry record. This information is needed for an automated scoring application. This data is available for liability and inquiry records from Equifax, Experian and Trans Union. | Credit Report | Credit Reporting | Credit Reporting | Enumerated:- Advertising:
- Automotive:
- Banking:
- Clothing:
- Collection Services:
- Contractors:
- Department and Mail Order:
- Employment:
- Farm and Garden Supplies:
- Finance:
- Government:
- Grocery:
- Home Furnishing:
- Insurance:
- Jewelry and Camera:
- Lumber and Hardware:
- Medical and Health:
- Miscellaneous and Public Record:
- Oil and National Credit Cards:
- Personal Services Not Medical:
- Real Estate and Public Accommodation:
- Sporting Goods:
- Utilities and Fuel:
- Wholesale:
|
Credit Error Message Source Type | Specifies the source of an error message. Messages can come either from the credit data repository or the credit bureau. | (not specified) | Credit | Credit Reporting | Enumerated:- Credit Bureau:
- Repository Bureau: The agency that stores and maintains the credit data files - Equifax, Experian, Trans Union.
|
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 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 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 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:
- Unknown:
|
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 Other Credit Loan Type Description 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:
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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:
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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.
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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 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.
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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:
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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:
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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:
- Real Estate Recording:
- Repossession:
- Support Debt:
- Tax Lien - City:
- Tax Lien - County:
- Tax Lien - Federal:
- Tax Lien - Other:
- Tax Lien - State:
- Trusteeship:
- Unknown:
- Unlawful Detainer:
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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.
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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.
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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
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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:
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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:
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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 MarketMax: Equifax predictive score for no-hit or thin files
- Equifax Mortgage Score: A custom risk score model from Equifax specifically for assessing mortgage loan risk.
- Equifax Pinnacle: Equifax risk score developed by Fair Isaac, that utilizes expanded segmentation to analyze degrees of delinquency history.
- Experian Fair Isaac: Fair Isaac risk model forecasting risk of delinquency within 24 months.
- Experian Fair Isaac Auto: Fair Isaac risk model for auto finance.
- Experian Fair Isaac Bankcard: Fair Isaac risk model for bank credit cards.
- Experian Fair Isaac Installment: Fair Isaac risk model for installment loans.
- Experian Fair Isaac Personal Finance: Fair Isaac risk model for personal finance loans.
- Experian MDS Bankruptcy II: MDS risk model that forecasts risk of consumer filing bankruptcy.
- Experian New National Equivalency: Experian option for the National Risk Model that produces score ranges similar to Fair Isaac models.
- Experian New National Risk: New version of Experians National Risk Model.
- Experian Old National Risk: Original version of Experians National Risk Model.
- Other: Used when Score Model Name is not in the enumerated list.
- Trans Union Delphi: MDS risk model that forecasts risk of consumer filing bankruptcy.
- Trans Union Empirica: Fair Isaac risk model forecasting risk of delinquency within 24 months.
- Trans Union Empirica Auto: Fair Isaac risk model for auto finance loans.
- Trans Union Empirica Bankcard: Fair Isaac risk model for bank credit cards.
- Trans Union Empirica Installment: Fair Isaac risk model for installment loans.
- Trans Union Empirica Personal Finance: Fair Isaac risk model for personal finance loans.
- Trans Union New Delphi: Updated MDS risk model that forecasts risk of consumer filing bankruptcy.
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Credit Score Value | Numeric credit score resulting from credit evaluation model. | Credit Bureau | Credit | Credit Reporting, MI, Secondary, Underwriting | Numeric |
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 | Underwriting | Enumerated:- Fannie Mae:
- Freddie Mac:
- Other Investor:
- Unknown:
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Current Interest Rate | The current interest rate for this loan. | (not specified) | (not specified) | Secondary | Numeric |
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 Payment Rate | The current payment rate for this loan. | (not specified) | (not specified) | Secondary | Numeric |
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 |
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 Option Type | Specifies the type of option used to facilitate the borrowers down payment. | MI Order | Application | MI, Underwriting | Enumerated: |
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:
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Employer Business Type Description | An expanded description of the borrowers employment type of business. Collected on the URLA in Section IV (Type of Business). | URLA | Employment | Credit Reporting, Underwriting | String |
Employer Telephone Number | The telephone number of the employer. Collected on the URLA in Section IV (Business Phone). | URLA | Employment | Credit Reporting, Underwriting | String |
Employment Borrower Self-Employment Indicator | Indicates that in the referenced employment the borrower is self-employed. Collected on the URLA in Section IV (Self Employed Check Box). | URLA | Employment | Credit Reporting, MI, Secondary, Underwriting | Boolean |
Employment End Date | The end date for the borrowers employment. Collected on the URLA in Section IV (Dated To). | URLA | Employment | Credit Reporting, Underwriting | Date/Time |
Employment Position Description | An expanded description of the borrowers employment position. Collected on the URLA in Section IV. | URLA | Employment | Credit Reporting, Underwriting | String |
Employment Position Title | An expanded description of the borrowers employment title. Collected on the URLA in Section IV (Title). | URLA | Employment | Credit Reporting, Underwriting | String |
Employment Start Date | The start date for the borrowers employment. Collected in lieu of Years On Job which is on the URLA in Section IV (Years on Job). Used to calculate the Years on Job. | URLA | Employment | Credit Reporting, Secondary, Underwriting | Date/Time |
Employment Time in Line of Work Months | The total number of months the borrower has been employed in their occupation. Collected on the URLA in Section IV (Years Employed In This Line of Work). | URLA | Employment | Credit Reporting, Secondary, Underwriting | Numeric |
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 unique to Fannie Mae 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.
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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):
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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 |
Freddie Mac Affordable Program Identifier | Identifies Freddie Macs unique identifier used to specify the affordable mortgage product being financed. | LP | UW Case | Underwriting | String |
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 Identifer | Used by Loan Prospector to identify the specific type of product offering. | LP | LP Trans | Underwriting | String |
Freddie Mac Project Code Identifier | Freddie Mac code identifying type of project or condominium classification for the subject property. | Freddie Mac | Project | Underwriting | String |
Freddie Mac Refinance Loan Identifier | Used by Freddie Macs Loan Prospector to identify the special types of refinance mortgages. | LP | LP Trans | Underwriting | String |
Freddie Mac Secondary Financing Identifier | Specifies a Freddie Mac classification of the predominant type of secondary financing on the mortgage. Used for affordable housing products. | LP | LP Trans | Underwriting | 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)
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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 Payment Amount | The dollar amount per month of the borrowers housing expense type. May be used for their primary or non-primary residence or for the subject property. Collected on the URLA in Section VI (Schedule of Real Estate Owned.) | URLA | Expense | MI, Secondary, Underwriting | Money |
Housing Expense Residence Type | Specifies the type of residence associated with the housing expense type. | URLA | Expense | MI, Secondary, Underwriting | Enumerated:- Borrower Non-Primary Residence Present Housing: The amount per month of the borrowers present housing expense type for their non-primary residence. Collected on the URLA in Section VI (Schedule of Real Estate Owned.)
- Borrower Primary Residence Present Housing: The amount per month of the borrowers present housing Expense Type for their primary residence. Collected on the URLA in Section V (Monthly Housing Expense - Present).
- Subject Property Proposed: The amount per month of the proposed housing Expense Type for the subject property.
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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).
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HUD Credit Alert Interactive Voice Response System Number | Number assigned by HUDs Credit Alert Interactive Voice Response System. | HUD | Underwriting Case | Underwriting | String |
Income Amount | The dollar amount per month of the borrowers Income Type (e.g., job base salary). | URLA | Income | Credit Reporting, MI, Secondary, Underwriting | Money |
Income Source Type | Specifies the source of the borrowers indicated Income Type. Used for both current and prior employment. | URLA | Income | Credit Reporting, Underwriting | Enumerated: |
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 Time Type | Describes the time frame for the associated income type. | (not specified) | Income | Credit Reporting, MI, Secondary, Underwriting | Enumerated:- Current: The amount per month of the borrowers current (vs. priorr or future) Income Type.
- Prior: The amount per month of the borrowers previous (vs. current or future) Income Type.
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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)and Section VI (Schedule of Real Estate Owned). | URLA | Income | Credit Reporting, MI, 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).
- Borrower Estimated Total Monthly Income: The borrower monthly income amount used by the lender to qualify the borrower for the loan.
- Child Support: Periodic amount paid to provide for children after divorce or separation. Income if borrower receives. Collected on the URLA in Section V (Monthly Income - Other).
- Commissions: borrower income that is based upon a percentage of the goods or services the borrower sells (e.g., gross Realtor commission = 6%) Collected on the URLA in Section V (Monthly Income - Commissions).
- Dividends / Interest: Funds paid to owners of stocks or bonds by issuer of stock or bond. Collected on the URLA in Section V (Monthly Income - Dividends / Interest).
- Other Types of Income: Used in conjunction with a textual description of other types of income. Collected on the URLA in Section V (Monthly Income - Other).
- Overtime: Additional hourly compensation paid for work beyond the usual and customary work period. Collected on the URLA in Section V (Monthly Income - Overtime).
- Pension: Periodic amount paid by employer to persons who have retired from employer after attaining necessary term of service and other attributes. Collected on the URLA in Section V (Monthly Income).
- Proposed Gross Rent for Subject Property: The anticipated rent on the subject property if it is an investment property or if a 2-4 property where other units are rented.
- Public Assistance Income: Amount paid to borrower by state or local public assistance program. Collected on the URLA in Section V (Monthly Income).
- Real Estate Owned - Gross Rental Income : Periodic gross rents (before expenses) arising from a piece of real estate owned (or to be owned) by borrower. Collected on the URLA in Section VI (Schedule of Real Estate - Gross Rental Income).
- Social Security: In the US, monthly amount paid to recipients of OASI (Old Age and Survivors Insurance) commonly known as Social Security. Collected on the URLA in Section V (Monthly Income).
- Unemployment Compensation: Amount paid or payable to borrower from state or Federal unemployment insurance program.
- VA Benefits (Non-educational): Dollar amount of VA Benefits excluding education benefits available to a veteran borrower. Collected on the URLA in Section V (Monthly Income).
- Workers Compensation: Amount paid or payable to borrower from Workmers Compensation Insurance program, usually for injuries that prevent borrower from working. Collected on the URLA in Section V (Monthly Income).
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Initial Interest Rate Percent | The initial rate at which interest will accrue on the loan. | (not specified) | (not specified) | MI | 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.
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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, Flood | 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 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.
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Key Name | A generic placeholder to add key descriptions in transactions. | (not specified) | Service Order | Service ordering, Credit Reporting, MI | 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, MI | 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 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, Flood, MI, 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 |
Lenders Branch Identifier | The lenders identification code for the branch number associated with the loan. | Lender | Parties To Transaction | Flood, MI, 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, Flood, MI, Underwriting | String |
Lenders Contact Primary Telephone Number | The primary telephone number of the lenders contact. | Lender | Parties To Transaction | Credit Reporting, Flood, 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 Indicator | Indicates whether the liability is to be excluded from inclusion in calculations associated with processing the loan. | Lender | Liability | Underwriting | Boolean |
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:
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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, MI, Underwriting | Money |
Liability Payoff Status Indicator | Identifies whether the liability will be paid at or before closing. Collected on the URLA in Section VI (Liabilities - Indicated By *). | URLA | Liability | Credit Reporting, Underwriting | Boolean |
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, MI, Underwriting | Enumerated:- Alimony: Periodic amount paid under terms of divorce decree/agreement. Collected on the URLA in Section VI (Liabilities).
- Borrower Estimated Total Monthly Liability Payment: The borrower monthly liability amount used by the lender to qualify the borrower for the loan.
- Child Care: Periodic costs of providing care for having the borrowers dependents. Collected on the URLA in Section VI (Liabilities - Job Related Expenses.)
- Child Support: Periodic amount paid to provide for children after divorce or separation. Collected on the URLA in Section VI (Liabilities - Alimony).
- Collections, Judgments, and Liens: Lien upon the property of a debtor resulting from a decree of the court.
- Delinquent Taxes: Amount of local, state or federal taxes that are past due and not paid
- Federal Tax: Amount of tax payable to the US Government.
- Garnishments: A notice to an employer or other asset holder that monies, wages, or property of a debtor must be applied to a specific debt or creditor.
- Home Equity Line of Credit (HELOC) REO Property: A mortgage loan, which is usually in a subordinate position, that allows the borrower to obtain multiple advances of the loan proceeds at his or her own discretion, up to an amount that represents a specified percentage of the borrowers equity in a REO property. Collected on the URLA in Section VI (Liabilities).
- Home Equity Line of Credit (HELOC) Subject Property: A mortgage loan, which is usually in a subordinate position, that allows the borrower to obtain multiple advances of the loan proceeds at his or her own discretion, up to an amount that represents a specified percentage of the borrowers equity in the subject property. Collected on the URLA in Section VI (Liabilities).
- Installment: Borrowed money repaid in several successive payments, usually at regular intervals, for a specific amount & a specified term. Collected on the URLA in Section VI (Liabilities).
- Job Related Expenses: Ongoing obligations incurred by the borrower which are prerequisite to retaining employment (e.g., professional associations, special uniforms or tools, etc.) Collected on the URLA in Section VI (Liabilities - Job Related Expenses)
- Lease Payments: Collected on the URLA in Section VI (Liabilities).
- Local Tax: Tax levied on borrowers income by a local entity (e.g., city, county, but not state or US Government.)
- Mortgage Loan on Real Estate Owned: A closed ended lien secured against an REO property that may be in a first or subordinate lien position. Collected on the URLA in Section VI (Liabilities).
- Mortgage Loan on Subject Property: A closed ended lien secured against the subject property that may be in a first or subordinate lien position. Collected on the URLA in Section VI (Liabilities)
- Open / 30 Day Charge Account: Collected on the URLA in Section VI (Liabilities).
- Other Liability: Used in conjunction with a textual description of other types of liabilities.
- Revolving: Open lines of credit, which are subject to variable payments in accordance with the balance. Credit cards are examples of revolving credit. Collected on the URLA in Section VI (Liabilities).
- Separate Maintenance Expense: Periodic amount paid under terms of separation agreement. Collected on the URLA in Section VI (Liabilities - Alimony.)
- Social Security Tax: The amount of FICA withheld from or owed on income earned by a borrower. Used for VA loans.
- State Tax: Tax levied on borrowers income by a state (e.g., state of New York, but not city, county, or US Government.)
- Union Dues: Union membership dues borrower incurs as a condition of remaining employment through union (e.g., a closed shop). Collected on the URLA in Section VI (Liabilities - Job Related Expenses.)
- Unsecured Home Improvement Loan - Installment:
- Unsecured Home Improvement Loan - Revolving:
|
Liability Unpaid Balance 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 |
Lien Priority Type | Specifies the lien priority of the subject loan on the subject property. | Lender | UW Case | Flood, 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 Actual Closing Date | The actual closing date of the loan. | Note | MI | MI | Date/Time |
Loan Amortization Term Months | The number of months used to compute the fully amortized payment. | 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 | Contractual termination date of the note. | (not specified) | (not specified) | Secondary | Numeric |
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 | Flood, 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 II (Purpose of Loan). | URLA | Application | Flood, 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: Undivided, undifferentiated real estate ownership rights in the property under applicable state law are vested in only one person.
- Refinance: The repayment of a debt from proceeds of a new loan using the same property as security.
|
Loan Registration 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 | 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.
|
Login Account Identifier | User id used to authenticate requesting party to the vendor. | (not specified) | (not specified) | Service ordering, Credit Reporting, Flood | String |
Login Account Password | Password used to authenticate requesting party to the vendor. | (not specified) | (not specified) | Service ordering, Credit Reporting, Flood | String |
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 | Underwriting | String |
Mortgage Identifier | The number used by the Mortgage Electronic Registration System (MERS) to identify loans. | MERS | Loan ID | 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 Rate | County-level separate premium tax based on MI premium amount. | MI Order | MI | MI, Application | 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:
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Mortgage Insurance Credit Score | Used when a lender wants to send only one credit score per loan and the mortgage insurer does not want to associate the score with an individual borrower. | MI Order | MI | MI | String |
Mortgage Insurance Decision | To convey the mortgage insurers decision regarding the application for mortgage insurance. | MI Order | MI | MI | Enumerated:- Approved:
- Conditioned Approval: Approved subject to conditions.
- Declined:
- Suspended:
|
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:
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Mortgage Insurance Duration Type | Specifies the duration of coverage provided by the private mortgage insurance payment. | MI Order | MI | MI, Application, 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: |
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: |
Mortgage Insurance Initial Premium Rate | 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, Application | Numeric |
Mortgage Insurance Initial Premium Rate Duration Months | Indicates the number of months for which the MI Initial Premium Rate applies. | MI Order | MI | MI, Application | 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:
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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:
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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 Rate | Municipality-level separate premium tax based on MI premium amount. | MI Order | MI | MI, Application | Numeric |
Mortgage Insurance Premium Financed Indicator | Indicates whether mortgage insurance premium has been added to loan amount. | MI Order | MI | MI, Application, 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, Application, Underwriting | Enumerated:- Borrower Paid:
- Both Borrower and Lender Paid:
- Lender Paid:
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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.
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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, Application, Underwriting | Enumerated:- Not Refundable:
- Refundable:
- Refundable with limits:
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Mortgage Insurance Premium Term Months | The number of months of mortgage insurance coverage pre-paid by the initial premium. | MI Order | MI | MI, Application, 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 Qualifying Liability Payment Amount | The total monthly borrower payments 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.
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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: |
Mortgage Insurance Renewal Calculation Type | Specifies the way in which the renewal premiums will be calculated. | MI Order | MI | MI, Application, Underwriting | Enumerated:- Constant:
- Declining:
- No Renewals:
- Not Applicable:
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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, Application | 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, Application | 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, Application | 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.
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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.
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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 Rate | State-level separate premium tax based on MI premium amount. | MI Order | MI | MI, Application | Numeric |
Mortgage Insurance Sub Prime Program Type | To convey the loan is processed as sub prime. | MI Order | MI | MI | Enumerated: |
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 or that has been granted. | URLA | Product | MI, Underwriting | Enumerated:- Farmers Home Administration: A government agency which provides financing to farmers and other qualified borrowers who are unable to obtain loans elsewhere.
- FHA: A federal agency within HUD that provides mortgage insurance for residential mortgages and sets standards for construction and underwriting.
- Local Agency:
- Other:
- State Agency:
- VA: VA Home Loan Guaranty Program encourages mortgage lenders to offer long-term, low down payment financing to eligible veterans by partially guaranteeing the lender against loss upon foreclosure.
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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.
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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.
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Note Assignment Date | The date the note was assigned and the loan began to accrue interest. | (not specified) | (not specified) | Secondary | Date/Time |
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. | URLA | Product | MI, Underwriting | String |
Other Asset Type Description | A free-form text field used to capture additional information or a description of the borrowers asset when other is selected. Collected on the URLA in Section VI (Assets - Other Assets Itemize). | URLA | Asset | Credit Reporting, Underwriting | String |
Other Credit Loan Type Description | If Credit Liability Loan Type was set to Other, then this element will contain a description of the loan type. | 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 Down Payment Type Description | A free-form text field used to capture the type of down payment or additional comments concerning the type of down payment when other is selected. Collected on the URLA in Section II (Source of Down Payment) along with down payment source. | URLA | Application | 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 Type 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 Liability Type Description | A free form text field used to capture additional information or a description of the borrowers other liabilities. Collected on the URLA in Section VI - Liabilities. | URLA | Liability | 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 | 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 | 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 | Credit Reporting | String |
Other Response Method Type Description | Specify a delivery method not listed in the Response Method element. | Service Request | (not specified) | 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 Address 1 | The unstructured street address of the referenced Party Type. | URLA | Party | Credit Reporting, Flood, Underwriting | String |
Party Address 2 | The unit or suite number (if any) of the address of the referenced Party Type. | URLA | Party | Credit Reporting, Flood, Underwriting | String |
Party City | The city in which the referenced Party Type is located. | URLA | Party | Credit Reporting, Flood, Underwriting | String |
Party Country | The country in which the referenced Party Type is located if not the U.S.A. | URLA | Party | Credit Reporting, Flood, Underwriting | String |
Party Name | The unstructured name of the individual or institution is referenced by the Party Type. | URLA | Party | Service ordering, Credit Reporting, Flood, MI, Secondary, Underwriting | String |
Party Postal Code | The postal code (zip code in the US) of the individual or institution referenced by the Party Type. Zip code may be either 5 or 9 digits. | URLA | Party | Credit Reporting, Flood, Underwriting | String |
Party State | The state in which the individual or institution referenced by the Party Type is located. | URLA | Party | Credit Reporting, Flood, Underwriting | 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 |
Party Type | Specifies the party to the transaction. The following information may be associated with each party: Name, Address (parsed and unparsed), and Contact Detail. | (not specified) | Party | Service ordering, Credit Reporting, Flood, MI, Secondary, Underwriting | Enumerated:- Appraiser: The appraiser who completed the final estimate of value for the subject property.
- Asset Holder: The individual or institution holding the borrowers asset.
- Broker Contact: A person who is designated as the brokers contact.
- Credit Bureau: The credit reporting agency used for the original credit report ordered by the loan originator.
- Credit Trade Reference: The party referenced in a credit report. Could be a creditor, inquiring party, court, attorney or plaintiff.
- Employer: The borrowers employer.
- Fulfillment Party: The ultimate party processing the service request if it differs from the receiving party. Often used when a service provider uses local vendors to fulfill services.
- Interviewer: The person who took the loan application. Collected on the URLA in Section X (Interviewers Name).
- Interviewers Employer: The individual or institution that employs the interviewer. Collected on the URLA in Section X (Name and Address of Interviewers Employer).
- Lender: Person or entity that invests in or originates mortgage loans.
- Lenders Authorized Representative: The person designated as the authorized representative employed by the lender.
- Lenders Branch: Identifies the name or location of the lenders branch office.
- Lenders Contact : The person employed by the lender that an individual could call with questions regarding the mortgage loan.
- Lenders Information Contact: The person designated as the information contact employed by the lender.
- Lenders Notification Contact: The person designated as the notification contact employed by the lender.
- Lenders Underwriter: The person is the underwriter of the loan that is employed by the lender
- Liability Holder: The individual or institution holding the borrowers liability.
- Owning Bureau: The credit bureau that owns or manages the credit file being referenced.
- Receiving Party: The business, person, or system that will receive the request group for further processing. The send to: addressee.
- Requesting Party: The ultimate customer of a service or other request. Usually the person associated with the business that is ultimately billed for the transaction. The contact under this party is the person requesting the service or product.
- Respond To Party: The person or organization that wants to receive copies of responses to the request.
- Response From Party: The person or organization that prepared the response to the request.
- Submitting Party: The individual or organization that is placing the request group on behalf of the requesting party.
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Payment Adjustment Type | Specifies whether the payment adjustment is conditinoal or scheduled. Used for Adjustable Rate, GPM, GEM or Start Up mortgages. | Lender | Product | MI, Underwriting | Enumerated: |
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:
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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 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: |
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: |
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 | The status date of a pool transaction as it pertains to whole loan pool transfer. | (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.
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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 | MI, Secondary | Money |
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):
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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.
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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: |
Project Name | The name of the project in which subject property is located. (E.g. the name of the condominium or cooperative) | Valuation | Project | 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 | 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 | 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 | Underwriting | Numeric |
Property Acquired Year | The year in which the land & buildings of the property were acquired by borrower. | URLA | Subject Property | Secondary, Underwriting | Date/Time |
Property Address 1 | The unstructured (Unparsed) street address of the property (e.g., 123 Main Street). | URLA | Subject Property | Service ordering, Credit Reporting, Flood, MI, Secondary, Underwriting | String |
Property Address 2 | The unit number (if any) of the address of the property. | URLA | Subject Property | Service ordering, Credit Reporting, MI, Secondary, Underwriting | String |
Property Appraised Value Amount | Statement of propertys value from a valid property valuation source | Valuation | Subject Property | MI, Secondary, Underwriting | Money |
Property Block | The propertys block in a planned unit development. | URLA | Property | Secondary, Securitization | String |
Property Category Type | Specifies the type of dwelling or structure for the 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.)
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Property City | The city in which the property is located. | URLA | Subject Property | Service ordering, Credit Reporting, Flood, MI, Secondary, Underwriting | String |
Property City Assessor Parcel Identifier | Unique tax map number assigned by the city in which the subject property is located. | LP | Subject Property | Underwriting | String |
Property Country | The country in which the property is located, if not in the U.S.A. | URLA | Subject Property | Credit Reporting, Secondary, Underwriting | String |
Property County | The county in which the property is located. | FHA | Subject Property | Service ordering, Flood, MI, Secondary, 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 | Underwriting | String |
Property County Code | FIPS county code number. | (not specified) | Flood Determination | Service ordering, Flood | String |
Property Disposition 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.
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Property 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 | Underwriting | Boolean |
Property Estimated Value Amount | A statement of the propertys present market value from the borrowers or loan originators estimate. | URLA | Subject Property | MI, Secondary, Underwriting | Money |
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 |
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 | MI, Underwriting | Numeric |
Property Land Appraised Value Amount | This is the appraised present value of the land for the property if it acquired separately. It assumes that the valuation comes from a professional property appraisal source. | URLA | Application | Secondary, Underwriting | Money |
Property Land Estimated Value Amount | This is the estimated present value of the land for the property if it is acquired separately. It assumes that the valuation comes from the borrower, lender, or someone other than a professional appraiser. | URLA | Application | Secondary, Underwriting | Money |
Property Land Original Cost Amount | This is the original cost of the land for the property if it is acquired separately. | URLA | Application | Secondary, Underwriting | Money |
Property Leasehold Expiration Date | The final expiration date of the ground lease for the lot of the property. | URLA | Subject Property | Secondary, Underwriting | Date/Time |
Property Liability Age Months | The age in months of a liability secured by the property. | Lender | Liability | Secondary, Underwriting | Numeric |
Property Long Legal Description | A free-form text field used to capture the legal description of the property. A long legal description would be used for metes and bounds descriptions. | URLA | Subject Property | Flood, Secondary, Underwriting | String |
Property Lot Acquired Year | The year in which the lot of property was acquired by borrower. Used for construction loans. | URLA | Subject Property | Secondary, Underwriting | Date/Time |
Property Number of Stories | The number of stories in the property. | Valuation | Property | Secondary, Securitization | Numeric |
Property Original Cost Amount | The dollar amount of the original cost of property at time of acquisition. | URLA | Subject Property | Secondary, Underwriting | Money |
Property Ownership Type | Describes the type of ownership associated with a property. | Valuation | Subject Property | 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).
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Property Postal Code | The postal code (zip code in the US) of the property. Zip code may be either 5 or 9 digits. | URLA | Subject Property | Service ordering, Credit Reporting, Flood, MI, Secondary, Underwriting | String |
Property REO Indicator | Indicates that a borrower currently owns the property. | Lender | Property | Credit Reporting, MI, Secondary, Underwriting | Boolean |
Property Rights Type | Specifies the intended property ownership rights for the property. | URLA | Subject Property | Secondary, Underwriting | Enumerated:- Community Property:
- Fee Simple: The greatest possible interest a person can have in real estate, including the right to dispose of the property or pass it on to one’s heirs.
- Joint Tenants:
- Leasehold: An estate or interest in real property held by virtue of a lease.
- Tenants In Common:
- Unassigned:
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Property Section | The property section in a planned unit development. | URLA | Property | Secondary, Securitization | String |
Property Short Legal Description | A free-form text field used to capture the short legal description of the property. The short legal description would include lot, block and section. In general a legal description is a property description recognized by law that is sufficient to locate & identify the subject property without oral testimony. Collected on the URLA in Section II (Legal Description). | URLA | Subject Property | Flood, Secondary, Underwriting | String |
Property State | The state in which the property is located. | URLA | Subject Property | Service ordering, Credit Reporting, Flood, MI, Secondary, Underwriting | String |
Property State Assessor Parcel Identifier | Unique tax map number assigned by the state in which the subject property is located. | LP | Subject Property | Underwriting | String |
Property Structure Built Year | The year in which the structure on the property was completed. | URLA | Subject Property | Flood, MI, Secondary, Underwriting | Date/Time |
Property Subdivision | The property subdivision in a planned unit development. | URLA | Property | Secondary, Securitization | String |
Property Subject Indicator | Indicates that the property is the subject of the financing. | Lender | Property | Credit Reporting, MI, Secondary, Underwriting | Boolean |
Property Unit Resale Indicator | Indicates whether the property unit is a resale and not an original purchase from the builder / developer. | Valuation | Subject Property | Secondary, Underwriting | Boolean |
Property Usage Type | Specifies intended use by the borrower of the property. | 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.
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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:
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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
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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 | 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 | 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.
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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:
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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) |
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:
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Remaining Term | The remaining term of this loan, in months. | (not specified) | (not specified) | Secondary | Numeric |
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, Flood | 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, Flood | Enumerated:- Credit: Credit Report
- Escrow: Credit Report
- Flood: Flood Data Service
- OtherRequest: Other Request Type
- Tax: Tax Services
- Title: Title Services
- Valuation: Property Valuation/Appraisal
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Requested Interest Rate Percent | The interest rate that is being requested on the loan application. Collected on the URLA in Section I (Interest Rate). | URLA | Application | Underwriting | Numeric(8,7) |
Residence Address 1 | The unstructured street address at which the borrowers residence is located. Collected on the URLA in Section III (Present Address). | URLA | Borrower | Credit Reporting, MI, Secondary, Underwriting | String |
Residence Address 2 | The unit number (if any) of the address of the borrowers residence. Collected on the URLA in Section III (Present Address). | URLA | Borrower | Credit Reporting, MI, Underwriting | String |
Residence Apartment Or Unit | The apartment or unit number (if any) of the address of the borrowers residence. Collected on the URLA in Section III (Present Address). | URLA | Borrower | Service ordering, Credit Reporting, Flood, MI, Underwriting | String |
Residence City | The name of the city in which the borrowers residence is located. Collected on the URLA in Section III (Present Address). | URLA | Borrower | Credit Reporting, MI, Secondary, Underwriting | String |
Residence Country | The name of the country in which the borrowers residence is located if not in USA. | URLA | Borrower | Credit Reporting, MI, Underwriting | String |
Residence Direction Prefix | The Direction Prefix address component of the borrowers residence. (N, S, E, W, NW, SW, NE, SE). | URLA | Borrower | Service ordering, Credit Reporting, Flood | String |
Residence Direction Suffix | The direction suffix address component of the borrowers residence. | URLA | Borrower | Service ordering, Credit Reporting, Flood | String |
Residence House Number | The house number or building number address component of the borrowers residence. | URLA | Borrower | Service ordering, Credit Reporting, Flood | String |
Residence Military APO FPO | The military APO or FPO address component of the borrowers residence. | URLA | Borrower | Service ordering, Credit Reporting | String |
Residence Post Office Box | The post office box address component of the borrowers residence. For a borrower residence, it is normally part of a rural route address. | URLA | Borrower | Service ordering, Credit Reporting | String |
Residence Postal Code | The postal code (zip code in the US) of the address of borrowers residence. Zip code may be either 5 or 9 digits. Collected on the URLA in Section III (Present Address). | URLA | Borrower | Credit Reporting, MI, Secondary, Underwriting | String |
Residence Rural Route | The rural route address component of the borrowers residence. Sometimes combined with a Post Office Box. | URLA | Borrower | Service ordering, Credit Reporting | String |
Residence State | The name of the state in which the borrowers residence is located. Collected on the URLA in Section III (Present Address). | URLA | Borrower | Credit Reporting, Flood, MI, Secondary, Underwriting | String |
Residence Street Name | The street name address component of the borrowers residence. | URLA | Borrower | Service ordering, Credit Reporting, Flood | String |
Residence Street Suffix | The street suffix address component of the borrowers residence. (ST, AV, BV, CT, PL, etc. - use USPS approved abbreviations). | URLA | Borrower | Service ordering, Credit Reporting, Flood | 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.
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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, Flood | 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 | Credit Reporting, Flood, MI | 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 | Credit Reporting, MI | 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.
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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 | Credit Reporting, MI | 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
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Response Type | Describes the type of reponse being provided within the response group. | (not specified) | Service Response | Service ordering, Flood | Enumerated:- Credit: Credit Report
- Escrow: Escrow/Settlement/Closing Services
- Flood: Flood Data Services
- Other Response: Other Response
- Tax: Tax
- Title: Title Services
- Valuation: Property Valuation/Appraisal
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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
- 231:
- 234 c: Condominium
- 234 c/251: Condominium/ARM
- 249:
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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) |
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 |
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 |
Service Bureau Client Identifier | A code assigned by the service bureau to identify their client. | MI | MI | MI | String |
Service Bureau Identifier | A code assigned by the MI industry to identify the service bureau provider. | MI | MI | MI | String |
Servicing Fee Percentage | The servicing fee, expressed as a percentage, for this loan. | (not specified) | (not specified) | Secondary | Numeric |
Status Code | Code values exchanged between business partners relating to the condition of a status message. | (not specified) | (not specified) | Service ordering, Credit Reporting, Flood | String |
Status Condition | Describes the severity of a status message. | (not specified) | (not specified) | Service ordering, Credit Reporting, Flood | String |
Status Description | Text describing specific details of a status message. | (not specified) | (not specified) | Service ordering, Credit Reporting, Flood | String |
Status Name | Business name for the value shown in the Status Code data element. | (not specified) | (not specified) | Service ordering, Credit Reporting, Flood | String |
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 |
Subject Loan Resubordination Indicator | Indicates whether the liability will be re-subordinated to the subject loan after closing. | Borrower | Liability | Underwriting | Boolean |
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 | If mortgage was originated by third party, enter third party name. | 1008 | (not specified) | MI | String(50) |
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: Undivided, undifferentiated real estate ownership rights in the property under applicable state law are vested in more than one person, none of which are married to one another.
- Joint With Spouse: Undivided, undifferentiated real estate ownership rights in the property under applicable state law are vested in a person and in that persons spouse.
- Sole: Undivided, undifferentiated real estate ownership rights in the property under applicable state law are vested in only one person.
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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 |
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 |
VAResidualIncomeAmount | 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 |
Verification Comment | Any remarks by the person specified in the Verification By Name about the data in the record. | (not specified) | Verification | Credit Reporting | String |
Verification Status Type | This attribute indicates the status of the verification - verified, not verified, or to be verified. | (not specified) | Verification | Credit Reporting, Flood, Underwriting | Enumerated:- Not Verified:
- To Be Verified:
- Verified:
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Verification Type | Specifies the type of record that is verified. | (not specified) | Verification | Credit Reporting, Flood, Underwriting | Enumerated:- Asset:
- Credit Inquiry:
- Employment:
- Liability:
- Other:
- Public Record:
- Standardized Address: USPS address for a particular property
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Verified By Name | The name or initials of the person who verified information in the record. | (not specified) | Verification | Credit Reporting | String |
Verified Date | The date that the information in the record was verified. | (not specified) | Verification | Credit Reporting | Date/Time |
Veteran Status Indicator | Indicates whether the borrower qualifies as a Veteran under HUD guidelines and that the loan application should be evaluated as a 203(b)(2) Veteran Loan. If any borrower qualifies as a Veteran under VA guidelines then the loan (including all borrowers) may be processed as a VA loan application. | Lender | Declarations | Underwriting | Boolean |