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Version: 2022

3. 2021 File Specifications

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3.1   Introduction

The following information describes the format used when filing HMDA data with the Bureau.

3.2   Submission instructions

Filers will submit their HMDA data using a web interface. Information regarding the HMDA Platform can be located at: https://ffiec.cfpb.gov

  • We recommend that HMDA filers use a modern browser, such as the latest version of Google Chrome™, Mozilla® Firefox®, Internet Explorer® 11, Microsoft Edge™, or other modern browsers.

The HMDA Platform will walk you through the loan/application register filing process.

Certification will also occur within the HMDA Platform. An authorized representative of your institution with knowledge of the data submitted shall certify to the accuracy and completeness of the data submitted.  

3.3   Loan/Application Register format

Beginning with data collected in 2017, your HMDA data loan/application register will be submitted in a pipe (also referred to as vertical bar) delimited text file format. This means that:

  • Each data field within each row will be separated with a pipe character, “|”.

  • Do not include leading zeros for the purpose of making a data field a specific number of characters.

  • The loan/application register will be a text file with a .txt file format extension.

Text entries in alphanumeric fields do not need to use all uppercase letters with the exception of:

  • “NA” used when the reporting requirement is not applicable;

  • Two-letter state codes;

  • A capital “E” at the beginning of any “Exempt” response.

As with previous submissions:

  • The first row of the loan/application register will begin with the number one (1) to indicate that the data fields in row one contain information relating to your institution.

  • All subsequent rows of the loan/application register will begin with the number two (2) to indicate that the data fields beginning in row two contain data fields for the loan/application register, with information relating to the reported loan or application.

  • Each covered loan or application must appear on its own line in the loan/application register.

3.4   Information regarding data fields

Table 1 and Table 2 contain the data field name, data field type, valid values for numeric fields, examples for alphanumeric fields, and the data point name, where applicable. Please refer to Regulation C and the Data Specifications section for details regarding each data field.

TABLE 1:   FILING INSTITUTION, REPORTING PERIOD, AND CONTACT INFORMATION (TRANSMITTAL SHEET)

Table 1
Data Field NumberData Field NameData Field TypeValid ValuesDescriptions and Examples
1
Record Identifier – Value is 1
Numeric
1
2
Financial Institution Name
Alphanumeric
Example: Ficus Bank
3
Calendar Year
Numeric
Example: 2022
4
Calendar Quarter
Numeric
4
Description:
4. Annual submissions for all HMDA filers for covered loans and applications with respect to which final action was taken from January 1st (01/01) and December 31st (12/31) Codes 1, 2, and 3 are used only during quarterly filing by institutions required to report data quarterly [1]. More information on quarterly filing is found in the Supplemental Guide for Quarterly Filers .
5
Contact Person’s Name
Alphanumeric
Example: Erika Otis
6
Contact Person’s Telephone Number
Alphanumeric
Example: 999-999-9999
7
Contact Person’s E-mail Address
Alphanumeric
Example: erikaotis@bank.com
8
Contact Person’s Office Street Address
Alphanumeric
Example: 4321 W Random Blvd Ste 201
9
Contact Person’s Office City
Alphanumeric
Example: Somecity
10
Contact Person’s Office State
Alphanumeric
Example: CA
11
Contact Person’s Office ZIP Code
Alphanumeric
Example: 90049-9998
12
Federal Agency
Numeric
1
2
3
5
7
9
Descriptions:
1. Office of the Comptroller of the Currency (OCC)
2. Federal Reserve System (FRS)
3. Federal Deposit Insurance Corporation (FDIC)
5. National Credit Union Administration (NCUA)
7. United States Department of Housing and Urban Development (HUD)
9. Consumer Financial Protection Bureau (Bureau)
13
Total Number of Entries Contained in Submission
Numeric
Example: 5000
14
Federal Taxpayer Identification Number
Alphanumeric
Example: 99-9999999
15
Legal Entity Identifier (LEI)
Alphanumeric; Width is 20 characters
Example: 10BX939C5543TQA1144M

TABLE 2:   LOAN/APPLICATION REGISTER

Table 2
Data Field NumberData Field NameData Field TypeValid ValuesDescriptions and ExamplesData Point Name
1
Record Identifier – Value is 2
Numeric
2
2
Legal Entity Identifier (LEI)
Alphanumeric; Width is 20 characters
Example: 10BX939C5543TQA1144M
Legal Entity Identifier (LEI)
3
Universal Loan Identifier (ULI) or Non-Universal Loan Identifier (NULI)
Alphanumeric; Width up to 45 characters
ULI Example: 10BX939C5543TQA1144M999143X38 NULI Example: 999143X
Universal Loan Identifier (ULI) or Non-Universal Loan Identifier (NULI)
4
Application Date
Alphanumeric
Example: 20210721 (or) NA
Application Date
5
Loan Type
Numeric
1
2
3
4
Descriptions:
1. Conventional (not insured or guaranteed by FHA, VA, RHS, or FSA)
2. Federal Housing Administration insured (FHA)
3. Veterans Affairs guaranteed (VA)
4. USDA Rural Housing Service or Farm Service Agency guaranteed (RHS or FSA)
Loan Type
6
Loan Purpose
Numeric
1
2
31
32
4
5
Descriptions:
1. Home purchase
2. Home improvement
31. Refinancing
32. Cash-out refinancing
4. Other purpose
5. Not applicable
Loan Purpose
7
Preapproval
Numeric
1
2
Descriptions:
1. Preapproval requested
2. Preapproval not requested
Preapproval
8
Construction Method
Numeric
1
2
Descriptions:
1. Site-built
2. Manufactured Home
Construction Method
9
Occupancy Type
Numeric
1
2
3
Descriptions:
1. Principal residence
2. Second residence
3. Investment property
Occupancy Type
10
Loan Amount
Numeric
Example: 110500 (or) 110500.00
Loan Amount
11
Action Taken
Numeric
1
2
3
4
5
6
7
8
Descriptions:
1. Loan originated
2. Application approved but not accepted
3. Application denied
4. Application withdrawn by applicant
5. File closed for incompleteness
6. Purchased loan
7. Preapproval request denied
8. Preapproval request approved but not accepted
Action Taken
12
Action Taken Date
Numeric
Example: 20210721
Action Taken Date
13
Street Address
Alphanumeric
Example: 456 W Somewhere Ave Apt 201 (or) NA (or) Exempt
Property Address
14
City
Alphanumeric
Example: Anytown (or) NA (or) Exempt
Property Address
15
State
Alphanumeric
Example: CA (or) NA
Property Location & Property Address
16
ZIP Code
Alphanumeric
Example: 90049-9998 (or) NA (or) Exempt
Property Address
17
County
Alphanumeric
Example: 06037 (or) NA
Property Location
18
Census Tract
Alphanumeric
Example: 06037264000 (or) NA
Property Location
19
Ethnicity of Applicant or Borrower: 1
Numeric
1
11
12
13
14
2
3
4
Descriptions:
1. Hispanic or Latino
11. Mexican
12. Puerto Rican
13. Cuban
14. Other Hispanic or Latino
2. Not Hispanic or Latino
3. Information not provided by applicant in mail, internet, or telephone application
4. Not applicable If the Applicant or Borrower did not select any ethnicity(ies), but only provided ethnicity(ies) in the Ethnicity of Applicant or Borrower: Free Form Text Field for Other Hispanic or Latino, either leave this data field blank or enter Code 14.
Ethnicity
20
Ethnicity of Applicant or Borrower: 2
Numeric
1
11
12
13
14
2
Descriptions:
1. Hispanic or Latino
11. Mexican
12. Puerto Rican
13. Cuban
14. Other Hispanic or Latino
2. Not Hispanic or Latino If this data field does not contain an entry, leave it blank. If the Applicant or Borrower provided ethnicity(ies) in the Ethnicity of Applicant or Borrower: Free Form Text Field for Other Hispanic or Latino, and did not select Code 14, either leave this data field blank or enter Code 14.
Ethnicity
21
Ethnicity of Applicant or Borrower: 3
Numeric
1
11
12
13
14
2
Descriptions:
1. Hispanic or Latino
11. Mexican
12. Puerto Rican
13. Cuban
14. Other Hispanic or Latino
2. Not Hispanic or Latino If this data field does not contain an entry, leave it blank. If the Applicant or Borrower provided ethnicity(ies) in the Ethnicity of Applicant or Borrower: Free Form Text Field for Other Hispanic or Latino, and did not select Code 14, either leave this data field blank or enter Code 14.
Ethnicity
22
Ethnicity of Applicant or Borrower: 4
Numeric
1
11
12
13
14
2
Descriptions:
1. Hispanic or Latino
11. Mexican
12. Puerto Rican
13. Cuban
14. Other Hispanic or Latino
2. Not Hispanic or Latino If this data field does not contain an entry, leave it blank. If the Applicant or Borrower provided ethnicity(ies) in the Ethnicity of Applicant or Borrower: Free Form Text Field for Other Hispanic or Latino, and did not select Code 14, either leave this data field blank or enter Code 14.
Ethnicity
23
Ethnicity of Applicant or Borrower: 5
Numeric
1
11
12
13
14
2
Descriptions:
1. Hispanic or Latino
11. Mexican
12. Puerto Rican
13. Cuban
14. Other Hispanic or Latino
2. Not Hispanic or Latino If this data field does not contain an entry, leave it blank. If the Applicant or Borrower provided ethnicity(ies) in the Ethnicity of Applicant or Borrower: Free Form Text Field for Other Hispanic or Latino, and did not select Code 14, either leave this data field blank or enter Code 14.
Ethnicity
24
Ethnicity of Applicant or Borrower: Free Form Text Field for Other Hispanic or Latino
Alphanumeric; Width up to 100 characters
Specify in text the Applicant’s or Borrower’s Other Hispanic or Latino ethnicity(ies) provided by the Applicant or Borrower. Otherwise, leave this data field blank.
Ethnicity
25
Ethnicity of Co-Applicant or Co-Borrower: 1
Numeric
1
11
12
13
14
2
3
4
5
Descriptions:
1. Hispanic or Latino
11. Mexican
12. Puerto Rican
13. Cuban
14. Other Hispanic or Latino
2. Not Hispanic or Latino
3. Information not provided by applicant in mail, internet, or telephone application
4. Not applicable
5. No co-applicant If the Co-Applicant or Co-Borrower did not select any ethnicity(ies), but only provided ethnicity(ies) in the Ethnicity of Co-Applicant or Co-Borrower: Free Form Text Field for Other Hispanic or Latino, either leave this this data field blank or enter Code 14.
Ethnicity
26
Ethnicity of Co-Applicant or Co-Borrower: 2
Numeric
1
11
12
13
14
2
Descriptions:
1. Hispanic or Latino
11. Mexican
12. Puerto Rican
13. Cuban
14. Other Hispanic or Latino
2. Not Hispanic or Latino If this data field does not contain an entry, leave it blank. If the Co-Applicant or Co-Borrower provided ethnicity(ies) in the Ethnicity of Co-Applicant or Co-Borrower: Free Form Text Field for Other Hispanic or Latino, and did not select Code 14, either leave this data field blank or enter Code 14.
Ethnicity
27
Ethnicity of Co-Applicant or Co-Borrower: 3
Numeric
1
11
12
13
14
2
Descriptions:
1. Hispanic or Latino
11. Mexican
12. Puerto Rican
13. Cuban
14. Other Hispanic or Latino
2. Not Hispanic or Latino If this data field does not contain an entry, leave it blank. If the Co-Applicant or Co-Borrower provided ethnicity(ies) in the Ethnicity of Co-Applicant or Co-Borrower: Free Form Text Field for Other Hispanic or Latino, and did not select Code 14, either leave this data field blank or enter Code 14.
Ethnicity
28
Ethnicity of Co-Applicant or Co-Borrower: 4
Numeric
1
11
12
13
14
2
Descriptions:
1. Hispanic or Latino
11. Mexican
12. Puerto Rican
13. Cuban
14. Other Hispanic or Latino
2. Not Hispanic or Latino If this data field does not contain an entry, leave it blank. If the Co-Applicant or Co-Borrower provided ethnicity(ies) in the Ethnicity of Co-Applicant or Co-Borrower: Free Form Text Field for Other Hispanic or Latino, and did not select Code 14, either leave this data field blank or enter Code 14.
Ethnicity
29
Ethnicity of Co-Applicant or Co-Borrower: 5
Numeric
1
11
12
13
14
2
Descriptions:
1. Hispanic or Latino
11. Mexican
12. Puerto Rican
13. Cuban
14. Other Hispanic or Latino
2. Not Hispanic or Latino If this data field does not contain an entry, leave it blank. If the Co-Applicant or Co-Borrower provided ethnicity(ies) in the Ethnicity of Co-Applicant or Co-Borrower: Free Form Text Field for Other Hispanic or Latino, and did not select Code 14, either leave this data field blank or enter Code 14.
Ethnicity
30
Ethnicity of Co-Applicant or Co-Borrower: Free Form Text Field for Other Hispanic or Latino
Alphanumeric; Width up to 100 characters
Specify in text the Co-Applicant’s or Co-Borrower’s Other Hispanic or Latino ethnicity(ies) provided by the Co-Applicant or Co-Borrower. Otherwise, leave this data field blank.
Ethnicity
31
Ethnicity of Applicant or Borrower Collected on the Basis of Visual Observation or Surname
Numeric
1
2
3
Descriptions:
1. Collected on the basis of visual observation or surname
2. Not collected on the basis of visual observation or surname
3. Not applicable
Ethnicity
32
Ethnicity of Co-Applicant or Co-Borrower Collected on the Basis of Visual Observation or Surname
Numeric
1
2
3
4
Descriptions:
1. Collected on the basis of visual observation or surname
2. Not collected on the basis of visual observation or surname
3. Not applicable
4. No co-applicant
Ethnicity
33
Race of Applicant or Borrower: 1
Numeric
1
2
21
22
23
24
25
26
27
3
4
41
42
43
44
5
6
7
Descriptions:
1. American Indian or Alaska Native
2. Asian
21. Asian Indian
22. Chinese
23. Filipino
24. Japanese
25. Korean
26. Vietnamese
27. Other Asian
3. Black or African American
4. Native Hawaiian or Other Pacific Islander
41. Native Hawaiian
42. Guamanian or Chamorro
43. Samoan
44. Other Pacific Islander
5. White
6. Information not provided by applicant in mail, internet, or telephone application
7. Not applicable If the Applicant or Borrower did not select any race(s) and only provided race(s) in the Race of Applicant or Borrower: Free Form Text Field for American Indian or Alaska Native Enrolled or Principal Tribe, Race of Applicant or Borrower: Free Form Text Field for Other Asian, and/or Race of Applicant or Borrower: Free Form Text Field for Other Pacific Islander, either leave this data field blank or enter, as appropriate, Code 1, 27, or 44.
Race
34
Race of Applicant or Borrower: 2
Numeric
1
2
21
22
23
24
25
26
27
3
4
41
42
43
44
5
Descriptions:
1. American Indian or Alaska Native
2. Asian
21. Asian Indian
22. Chinese
23. Filipino
24. Japanese
25. Korean
26. Vietnamese
27. Other Asian
3. Black or African American
4. Native Hawaiian or Other Pacific Islander
41. Native Hawaiian
42. Guamanian or Chamorro
43. Samoan
44. Other Pacific Islander
5. White If this data field does not contain an entry, leave it blank. If the Applicant or Borrower provided race(s) in the Race of Applicant or Borrower: Free Form Text Field for American Indian or Alaska Native Enrolled or Principal Tribe, Race of Applicant or Borrower: Free Form Text Field for Other Asian, and/or Race of Applicant or Borrower: Free Form Text Field for Other Pacific Islander, and did not select Code 1, 27, or 44, either leave this data field blank or enter Code 1, 27, or 44.
Race
35
Race of Applicant or Borrower: 3
Numeric
1
2
21
22
23
24
25
26
27
3
4
41
42
43
44
5
Descriptions:
1. American Indian or Alaska Native
2. Asian
21. Asian Indian
22. Chinese
23. Filipino
24. Japanese
25. Korean
26. Vietnamese
27. Other Asian
3. Black or African American
4. Native Hawaiian or Other Pacific Islander
41. Native Hawaiian
42. Guamanian or Chamorro
43. Samoan
44. Other Pacific Islander
5. White If this data field does not contain an entry, leave it blank. If the Applicant or Borrower provided race(s) in the Race of Applicant or Borrower: Free Form Text Field for American Indian or Alaska Native Enrolled or Principal Tribe, Race of Applicant or Borrower: Free Form Text Field for Other Asian, and/or Race of Applicant or Borrower: Free Form Text Field for Other Pacific Islander, and did not select Code 1, 27, or 44, either leave this data field blank or enter Code 1, 27, or 44.
Race
36
Race of Applicant or Borrower: 4
Numeric
1
2
21
22
23
24
25
26
27
3
4
41
42
43
44
5
Descriptions:
1. American Indian or Alaska Native
2. Asian
21. Asian Indian
22. Chinese
23. Filipino
24. Japanese
25. Korean
26. Vietnamese
27. Other Asian
3. Black or African American
4. Native Hawaiian or Other Pacific Islander
41. Native Hawaiian
42. Guamanian or Chamorro
43. Samoan
44. Other Pacific Islander
5. White If this data field does not contain an entry, leave it blank. If the Applicant or Borrower provided race(s) in the Race of Applicant or Borrower: Free Form Text Field for American Indian or Alaska Native Enrolled or Principal Tribe, Race of Applicant or Borrower: Free Form Text Field for Other Asian, and/or Race of Applicant or Borrower: Free Form Text Field for Other Pacific Islander, and did not select Code 1, 27, or 44, either leave this data field blank or enter Code 1, 27, or 44.
Race
37
Race of Applicant or Borrower: 5
Numeric
1
2
21
22
23
24
25
26
27
3
4
41
42
43
44
5
Descriptions:
1. American Indian or Alaska Native
2. Asian
21. Asian Indian
22. Chinese
23. Filipino
24. Japanese
25. Korean
26. Vietnamese
27. Other Asian
3. Black or African American
4. Native Hawaiian or Other Pacific Islander
41. Native Hawaiian
42. Guamanian or Chamorro
43. Samoan
44. Other Pacific Islander
5. White If this data field does not contain an entry, leave it blank. If the Applicant or Borrower provided race(s) in the Race of Applicant or Borrower: Free Form Text Field for American Indian or Alaska Native Enrolled or Principal Tribe, Race of Applicant or Borrower: Free Form Text Field for Other Asian, and/or Race of Applicant or Borrower: Free Form Text Field for Other Pacific Islander, and did not select Code 1, 27, or 44, either leave this data field blank or enter Code 1, 27, or 44.
Race
38
Race of Applicant or Borrower: Free Form Text Field for American Indian or Alaska Native Enrolled or Principal Tribe
Alphanumeric; Width up to 100 characters
Specify in text the Applicant’s or Borrower’s American Indian or Alaska Native Enrolled or Principal Tribe if provided by the Applicant or Borrower. Otherwise, leave this data field blank.
Race
39
Race of Applicant or Borrower: Free Form Text Field for Other Asian
Alphanumeric; Width up to 100 characters
Specify in text the Applicant’s or Borrower’s Other Asian race(s) provided by the Applicant or Borrower. Otherwise, leave this data field blank.
Race
40
Race of Applicant or Borrower: Free Form Text Field for Other Pacific Islander
Alphanumeric; Width up to 100 characters
Specify in text the Applicant’s or Borrower’s Other Pacific Islander race(s) provided by the Applicant or Borrower. Otherwise, leave this data field blank.
Race
41
Race of Co-Applicant or Co-Borrower: 1
Numeric
1
2
21
22
23
24
25
26
27
3
4
41
42
43
44
5
6
7
8
Descriptions:
1. American Indian or Alaska Native
2. Asian
21. Asian Indian
22. Chinese
23. Filipino
24. Japanese
25. Korean
26. Vietnamese
27. Other Asian
3. Black or African American
4. Native Hawaiian or Other Pacific Islander
41. Native Hawaiian
42. Guamanian or Chamorro
43. Samoan
44. Other Pacific Islander
5. White
6. Information not provided by applicant in mail, internet, or telephone application
7. Not applicable
8. No co-applicant If the Co-Applicant or Co-Borrower did not select any race(s) and only provided race(s) in the Race of Co-Applicant or Co-Borrower: Free Form Text Field for American Indian or Alaska Native Enrolled or Principal Tribe, Race of Co-Applicant or Co-Borrower: Free Form Text Field for Other Asian, and/or Race of Co-Applicant or Co-Borrower: Free Form Text Field for Other Pacific Islander, either leave this data field blank or enter, as appropriate, Code 1, 27, or 44.
Race
42
Race of Co-Applicant or Co-Borrower: 2
Numeric
1
2
21
22
23
24
25
26
27
3
4
41
42
43
44
5
Descriptions:
1. American Indian or Alaska Native
2. Asian
21. Asian Indian
22. Chinese
23. Filipino
24. Japanese
25. Korean
26. Vietnamese
27. Other Asian
3. Black or African American
4. Native Hawaiian or Other Pacific Islander
41. Native Hawaiian
42. Guamanian or Chamorro
43. Samoan
44. Other Pacific Islander
5. White If this data field does not contain an entry, leave it blank. If the Co-Applicant or Co-Borrower provided race(s) in the Race of Co-Applicant or Co-Borrower: Free Form Text Field for American Indian or Alaska Native Enrolled or Principal Tribe, Race of Co-Applicant or Co-Borrower: Free Form Text Field for Other Asian, and/or Race of Co-Applicant or Co-Borrower: Free Form Text Field for Other Pacific Islander, and did not select Code 1, 27, or 44, either leave this data field blank or enter Code 1, 27, or 44.
Race
43
Race of Co-Applicant or Co-Borrower: 3
Numeric
1
2
21
22
23
24
25
26
27
3
4
41
42
43
44
5
Descriptions:
1. American Indian or Alaska Native
2. Asian
21. Asian Indian
22. Chinese
23. Filipino
24. Japanese
25. Korean
26. Vietnamese
27. Other Asian
3. Black or African American
4. Native Hawaiian or Other Pacific Islander
41. Native Hawaiian
42. Guamanian or Chamorro
43. Samoan
44. Other Pacific Islander
5. White If this data field does not contain an entry, leave it blank. If the Co-Applicant or Co-Borrower provided race(s) in the Race of Co-Applicant or Co-Borrower: Free Form Text Field for American Indian or Alaska Native Enrolled or Principal Tribe, Race of Co-Applicant or Co-Borrower: Free Form Text Field for Other Asian, and/or Race of Co-Applicant or Co-Borrower: Free Form Text Field for Other Pacific Islander, and did not select Code 1, 27, or 44, either leave this data field blank or enter Code 1, 27, or 44.
Race
44
Race of Co-Applicant or Co-Borrower: 4
Numeric
1
2
21
22
23
24
25
26
27
3
4
41
42
43
44
5
Descriptions:
1. American Indian or Alaska Native
2. Asian
21. Asian Indian
22. Chinese
23. Filipino
24. Japanese
25. Korean
26. Vietnamese
27. Other Asian
3. Black or African American
4. Native Hawaiian or Other Pacific Islander
41. Native Hawaiian
42. Guamanian or Chamorro
43. Samoan
44. Other Pacific Islander
5. White If this data field does not contain an entry, leave it blank. If the Co-Applicant or Co-Borrower provided race(s) in the Race of Co-Applicant or Co-Borrower: Free Form Text Field for American Indian or Alaska Native Enrolled or Principal Tribe, Race of Co-Applicant or Co-Borrower: Free Form Text Field for Other Asian, and/or Race of Co-Applicant or Co-Borrower: Free Form Text Field for Other Pacific Islander, and did not select Code 1, 27, or 44, either leave this data field blank or enter Code 1, 27, or 44.
Race
45
Race of Co-Applicant or Co-Borrower: 5
Numeric
1
2
21
22
23
24
25
26
27
3
4
41
42
43
44
5
Descriptions:
1. American Indian or Alaska Native
2. Asian
21. Asian Indian
22. Chinese
23. Filipino
24. Japanese
25. Korean
26. Vietnamese
27. Other Asian
3. Black or African American
4. Native Hawaiian or Other Pacific Islander
41. Native Hawaiian
42. Guamanian or Chamorro
43. Samoan
44. Other Pacific Islander
5. White If this data field does not contain an entry, leave it blank. If the Co-Applicant or Co-Borrower provided race(s) in the Race of Co-Applicant or Co-Borrower: Free Form Text Field for American Indian or Alaska Native Enrolled or Principal Tribe, Race of Co-Applicant or Co-Borrower: Free Form Text Field for Other Asian, and/or Race of Co-Applicant or Co-Borrower: Free Form Text Field for Other Pacific Islander, and did not select Code 1, 27, or 44, either leave this data field blank or enter Code 1, 27, or 44.
Race
46
Race of Co-Applicant or Co-Borrower: Free Form Text Field for American Indian or Alaska Native Enrolled or Principal Tribe
Alphanumeric; Width up to 100 characters
Specify in text the Co-Applicant’s or Co-Borrower’s American Indian or Alaska Native Enrolled or Principal Tribe if provided by the Co-Applicant or Co-Borrower. Otherwise, leave this data field blank.
Race
47
Race of Co-Applicant or Co-Borrower: Free Form Text Field for Other Asian
Alphanumeric; Width up to 100 characters
Specify in text the Co-Applicant’s or Co-Borrower’s Other Asian race(s) provided by the Co-Applicant or Co-Borrower. Otherwise, leave this data field blank.
Race
48
Race of Co-Applicant or Co-Borrower: Free Form Text Field for Other Pacific Islander
Alphanumeric; Width up to 100 characters
Specify in text the Co-Applicant’s or Co-Borrower’s Other Pacific Islander race(s) provided by the Co-Applicant or Co-Borrower. Otherwise, leave this data field blank.
Race
49
Race of Applicant or Borrower Collected on the Basis of Visual Observation or Surname
Numeric
1
2
3
Descriptions:
1. Collected on the basis of visual observation or surname
2. Not collected on the basis of visual observation or surname
3. Not applicable
Race
50
Race of Co-Applicant or Co-Borrower Collected on the Basis of Visual Observation or Surname
Numeric
1
2
3
4
Descriptions:
1. Collected on the basis of visual observation or surname
2. Not collected on the basis of visual observation or surname
3. Not applicable
4. No co-applicant
Race
51
Sex of Applicant or Borrower
Numeric
1
2
3
4
6
Descriptions:
1. Male
2. Female
3. Information not provided by applicant in mail, internet, or telephone application
4. Not applicable
6. Applicant selected both male and female
Sex
52
Sex of Co-Applicant or Co-Borrower
Numeric
1
2
3
4
5
6
Descriptions:
1. Male
2. Female
3. Information not provided by applicant in mail, internet, or telephone application
4. Not applicable
5. No co-applicant
6. Co-applicant selected both male and female
Sex
53
Sex of Applicant or Borrower Collected on the Basis of Visual Observation or Surname
Numeric
1
2
3
Descriptions:
1. Collected on the basis of visual observation or surname
2. Not collected on the basis of visual observation or surname
3. Not applicable
Sex
54
Sex of Co-Applicant or Co-Borrower Collected on the Basis of Visual Observation or Surname
Numeric
1
2
3
4
Descriptions:
1. Collected on the basis of visual observation or surname
2. Not collected on the basis of visual observation or surname
3. Not applicable
4. No co-applicant
Sex
55
Age of Applicant or Borrower
Numeric
8888
Example: 24 (or) Descriptions:
8888. Not applicable
Age
56
Age of Co-Applicant or Co-Borrower
Numeric
8888
9999
Example: 24 (or) Descriptions:
8888. Not applicable
9999. No co-applicant
Age
57
Income
Alphanumeric
Example: 36 (or) -36 (or) NA
Income
58
Type of Purchaser
Numeric
0
1
2
3
4
5
6
71
72
8
9
Descriptions:
0. Not applicable
1. Fannie Mae
2. Ginnie Mae
3. Freddie Mac
4. Farmer Mac
5. Private securitizer
6. Commercial bank, savings bank, or savings association
71. Credit union, mortgage company, or finance company
72. Life insurance company
8. Affiliate institution
9. Other type of purchaser
Type of Purchaser
59
Rate Spread
Alphanumeric
Example: 0.428 (or) -0.428 (or) NA (or) Exempt
Rate Spread
60
HOEPA Status
Numeric
1
2
3
Descriptions:
1. High-cost mortgage
2. Not a high-cost mortgage
3. Not applicable
HOEPA Status
61
Lien Status
Numeric
1
2
Descriptions:
1. Secured by a first lien
2. Secured by a subordinate lien
Lien Status
62
Credit Score of Applicant or Borrower
Numeric
7777
8888
1111
Example: 650 (or) Descriptions:
7777. Credit score is not a number
8888. Not applicable
1111. Exempt
Credit Score
63
Credit Score of Co-Applicant or Co-Borrower
Numeric
7777
8888
9999
1111
Example: 650 (or) Descriptions:
7777. Credit score is not a number
8888. Not applicable
9999. No co-applicant
1111. Exempt
Credit Score
64
Applicant or Borrower, Name and Version of Credit Scoring Model
Numeric
1
2
3
4
5
6
7
8
9
1111
Descriptions:
1. Equifax Beacon 5.0
2. Experian Fair Isaac Risk Model v2
3. TransUnion FICO Risk Score Classic 04
4. TransUnion FICO Risk Score Classic 98
5. VantageScore 2.0
6. VantageScore 3.0
7. More than one credit scoring model
8. Other credit scoring model
9. Not applicable
1111. Exempt
Credit Score
65
Applicant or Borrower, Name and Version of Credit Scoring Model: Conditional Free Form Text Field for Code 8
Alphanumeric; Width up to 100 characters
Specify in text the applicant’s or borrower’s Other credit scoring model if 8 is entered. Otherwise, leave this data field blank.
Credit Score
66
Co-Applicant or Co-Borrower, Name and Version of Credit Scoring Model
Numeric
1
2
3
4
5
6
7
8
9
10
1111
Descriptions:
1. Equifax Beacon 5.0
2. Experian Fair Isaac Risk Model v2
3. TransUnion FICO Risk Score Classic 04
4. TransUnion FICO Risk Score Classic 98
5. VantageScore 2.0
6. VantageScore 3.0
7. More than one credit scoring model
8. Other credit scoring model
9. Not applicable
10. No co-applicant
1111. Exempt
Credit Score
67
Co-Applicant or Co-Borrower, Name and Version of Credit Scoring Model: Conditional Free Form Text Field for Code 8
Alphanumeric; Width up to 100 characters
Specify in text the co-applicant’s or co-borrower’s Other credit scoring model if 8 is entered. Otherwise, leave this data field blank.
Credit Score
68
Reason for Denial: 1
Numeric
1
2
3
4
5
6
7
8
9
10
1111
Descriptions:
1. Debt-to-income ratio
2. Employment history
3. Credit history
4. Collateral
5. Insufficient cash (downpayment, closing costs)
6. Unverifiable information
7. Credit application incomplete
8. Mortgage insurance denied
9. Other
10. Not applicable
1111. Exempt
Reason for Denial
69
Reason for Denial: 2
Numeric
1
2
3
4
5
6
7
8
9
Descriptions:
1. Debt-to-income ratio
2. Employment history
3. Credit history
4. Collateral
5. Insufficient cash (downpayment, closing costs)
6. Unverifiable information
7. Credit application incomplete
8. Mortgage insurance denied
9. Other If this data field does not contain an entry, leave it blank
Reason for Denial
70
Reason for Denial: 3
Numeric
1
2
3
4
5
6
7
8
9
Descriptions:
1. Debt-to-income ratio
2. Employment history
3. Credit history
4. Collateral
5. Insufficient cash (downpayment, closing costs)
6. Unverifiable information
7. Credit application incomplete
8. Mortgage insurance denied
9. Other If this data field does not contain an entry, leave it blank
Reason for Denial
71
Reason for Denial: 4
Numeric
1
2
3
4
5
6
7
8
9
Descriptions: 1.Debt-to-income ratio
2. Employment history
3. Credit history
4. Collateral
5. Insufficient cash (downpayment, closing costs)
6. Unverifiable information
7. Credit application incomplete
8. Mortgage insurance denied
9. Other If this data field does not contain an entry, leave it blank
Reason for Denial
72
Reason for Denial: Conditional Free Form Text Field for Code 9
Alphanumeric; Width up to 255 characters
Specify in text the Other Denial Reason(s) if Code 9 is entered. Otherwise, leave this data field blank.
Reason for Denial
73
Total Loan Costs
Alphanumeric
Example: 2399.04 (or) NA (or) Exempt
Total Loan Costs or Total Points and Fees
74
Total Points and Fees
Alphanumeric
Example: 2399.04 (or) NA (or) Exempt
Total Loan Costs or Total Points and Fees
75
Origination Charges
Alphanumeric
Example: 2399.04 (or) NA (or) Exempt
Origination Charges
76
Discount Points
Alphanumeric
Example: 2399.04 (or) NA (or) Exempt If no points were paid, leave this data field blank
Discount Points
77
Lender Credits
Alphanumeric
Example: 1500.24 (or) NA (or) Exempt If no lender credits were provided, leave this data field blank
Lender Credits
78
Interest Rate
Alphanumeric
Example: 4.125 (or) NA (or) Exempt
Interest Rate
79
Prepayment Penalty Term
Alphanumeric
Example: 24 (or) NA (or) Exempt
Prepayment Penalty Term
80
Debt-to-Income Ratio
Alphanumeric
Example: 42.95 (or) -42.95 (or) NA (or) Exempt
Debt-to-Income Ratio
81
Combined Loan-to-Value Ratio
Alphanumeric
Example: 80.05 (or) NA (or) Exempt
Combined Loan-to-Value Ratio
82
Loan Term
Alphanumeric
Example: 360 (or) NA (or) Exempt
Loan Term
83
Introductory Rate Period
Alphanumeric
Example: 24 (or) NA (or) Exempt
Introductory Rate Period
84
Balloon Payment
Numeric
1
2
1111
Descriptions:
1. Balloon payment
2. No balloon payment
1111. Exempt
Non-Amortizing Features
85
Interest-Only Payments
Numeric
1
2
1111
Descriptions:
1. Interest-only payments
2. No interest-only payments
1111. Exempt
Non-Amortizing Features
86
Negative Amortization
Numeric
1
2
1111
Descriptions:
1. Negative amortization
2. No negative amortization
1111. Exempt
Non-Amortizing Features
87
Other Non-Amortizing Features
Numeric
1
2
1111
Descriptions:
1. Other non-fully amortizing features
2. No other non-fully amortizing features
1111. Exempt
Non-Amortizing Features
88
Property Value
Alphanumeric
Example: 350500 (or) NA (or) Exempt
Property Value
89
Manufactured Home Secured Property Type
Numeric
1
2
3
1111
Descriptions:
1. Manufactured home and land
2. Manufactured home and not land
3. Not applicable
1111. Exempt
Manufactured Home Secured Property Type
90
Manufactured Home Land Property Interest
Numeric
1
2
3
4
5
1111
Descriptions:
1. Direct ownership
2. Indirect ownership
3. Paid leasehold
4. Unpaid leasehold
5. Not applicable
1111. Exempt
Manufactured Home Land Property Interest
91
Total Units
Numeric
Example: 5
Total Units
92
Multifamily Affordable Units
Alphanumeric
Example: 5 (or) NA (or) Exempt
Multifamily Affordable Units
93
Submission of Application
Numeric
1
2
3
1111
Descriptions:
1. Submitted directly to your institution
2. Not submitted directly to your institution
3. Not applicable
1111. Exempt
Application Channel
94
Initially Payable to Your Institution
Numeric
1
2
3
1111
Descriptions:
1. Initially payable to your institution
2. Not initially payable to your institution
3. Not applicable
1111. Exempt
Application Channel
95
Mortgage Loan Originator NMLSR Identifier
Alphanumeric
Example: 123450 (or) NA (or) Exempt
Mortgage Loan Originator NMLSR Identifier
96
Automated Underwriting System: 1
Numeric
1
2
3
4
5
6
7
1111
Descriptions:
1. Desktop Underwriter (DU)
2. Loan Prospector (LP) or Loan Product Advisor
3. Technology Open to Approved Lenders (TOTAL) Scorecard
4. Guaranteed Underwriting System (GUS)
5. Other
6. Not applicable
7. Internal Proprietary System
1111. Exempt
Automated Underwriting System
97
Automated Underwriting System: 2
Numeric
1
2
3
4
5
7
Descriptions:
1. Desktop Underwriter (DU)
2. Loan Prospector (LP) or Loan Product Advisor
3. Technology Open to Approved Lenders (TOTAL) Scorecard
4. Guaranteed Underwriting System (GUS)
5. Other
7. Internal Proprietary System If this data field does not contain an entry, leave it blank
Automated Underwriting System
98
Automated Underwriting System: 3
Numeric
1
2
3
4
5
7
Descriptions:
1. Desktop Underwriter (DU)
2. Loan Prospector (LP) or Loan Product Advisor
3. Technology Open to Approved Lenders (TOTAL) Scorecard
4. Guaranteed Underwriting System (GUS)
5. Other
7. Internal Proprietary System If this data field does not contain an entry, leave it blank
Automated Underwriting System
99
Automated Underwriting System: 4
Numeric
1
2
3
4
5
7
Descriptions:
1. Desktop Underwriter (DU)
2. Loan Prospector (LP) or Loan Product Advisor
3. Technology Open to Approved Lenders (TOTAL) Scorecard
4. Guaranteed Underwriting System (GUS)
5. Other
7. Internal Proprietary System If this data field does not contain an entry, leave it blank
Automated Underwriting System
100
Automated Underwriting System: 5
Numeric
1
2
3
4
5
7
Descriptions:
1. Desktop Underwriter (DU)
2. Loan Prospector (LP) or Loan Product Advisor
3. Technology Open to Approved Lenders (TOTAL) Scorecard
4. Guaranteed Underwriting System (GUS)
5. Other
7. Internal Proprietary System If this data field does not contain an entry, leave it blank
Automated Underwriting System
101
Automated Underwriting System: Conditional Free Form Text Field for Code 5
Alphanumeric; Width up to 255 characters
Specify in text the Other Automated Underwriting System(s) if 5 is entered. Otherwise, leave this data field blank.
Automated Underwriting System
102
Automated Underwriting System Result: 1
Numeric
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
1111
Descriptions:
1. Approve/Eligible
2. Approve/Ineligible
3. Refer/Eligible
4. Refer/Ineligible
5. Refer with Caution
6. Out of Scope
7. Error
8. Accept
9. Caution
10. Ineligible
11. Incomplete
12. Invalid
13. Refer
14. Eligible
15. Unable to Determine or Unknown
16. Other
17. Not applicable
18. Accept/Eligible
19. Accept/Ineligible
20. Accept/Unable to Determine
21. Refer with Caution/Eligible
22. Refer with Caution/Ineligible
23. Refer/Unable to Determine
24. Refer with Caution/Unable to Determine
1111. Exempt
Automated Underwriting System
103
Automated Underwriting System Result: 2
Numeric
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
18
19
20
21
22
23
24
Descriptions:
1. Approve/Eligible
2. Approve/Ineligible
3. Refer/Eligible
4. Refer/Ineligible
5. Refer with Caution
6. Out of Scope
7. Error
8. Accept
9. Caution
10. Ineligible
11. Incomplete
12. Invalid
13. Refer
14. Eligible
15. Unable to Determine or Unknown
16. Other
18. Accept/Eligible
19. Accept/Ineligible
20. Accept/Unable to Determine
21. Refer with Caution/Eligible
22. Refer with Caution/Ineligible
23. Refer/Unable to Determine
24. Refer with Caution/Unable to Determine If this data field does not contain an entry, leave it blank
Automated Underwriting System
104
Automated Underwriting System Result: 3
Numeric
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
18
19
20
21
22
23
24
Descriptions:
1. Approve/Eligible
2. Approve/Ineligible
3. Refer/Eligible
4. Refer/Ineligible
5. Refer with Caution
6. Out of Scope
7. Error
8. Accept
9. Caution
10. Ineligible
11. Incomplete
12. Invalid
13. Refer
14. Eligible
15. Unable to Determine or Unknown
16. Other
18. Accept/Eligible
19. Accept/Ineligible
20. Accept/Unable to Determine
21. Refer with Caution/Eligible
22. Refer with Caution/Ineligible
23. Refer/Unable to Determine
24. Refer with Caution/Unable to Determine If this data field does not contain an entry, leave it blank
Automated Underwriting System
105
Automated Underwriting System Result: 4
Numeric
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
18
19
20
21
22
23
24
Descriptions:
1. Approve/Eligible
2. Approve/Ineligible
3. Refer/Eligible
4. Refer/Ineligible
5. Refer with Caution
6. Out of Scope
7. Error
8. Accept
9. Caution
10. Ineligible
11. Incomplete
12. Invalid
13. Refer
14. Eligible
15. Unable to Determine or Unknown
16. Other
18. Accept/Eligible
19. Accept/Ineligible
20. Accept/Unable to Determine
21. Refer with Caution/Eligible
22. Refer with Caution/Ineligible
23. Refer/Unable to Determine
24. Refer with Caution/Unable to Determine If this data field does not contain an entry, leave it blank
Automated Underwriting System
106
Automated Underwriting System Result: 5
Numeric
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
18
19
20
21
22
23
24
Descriptions:
1. Approve/Eligible
2. Approve/Ineligible
3. Refer/Eligible
4. Refer/Ineligible
5. Refer with Caution
6. Out of Scope
7. Error
8. Accept
9. Caution
10. Ineligible
11. Incomplete
12. Invalid
13. Refer
14. Eligible
15. Unable to Determine or Unknown
16. Other
18. Accept/Eligible
19. Accept/Ineligible
20. Accept/Unable to Determine
21. Refer with Caution/Eligible
22. Refer with Caution/Ineligible
23. Refer/Unable to Determine
24. Refer with Caution/Unable to Determine If this data field does not contain an entry, leave it blank
Automated Underwriting System
107
Automated Underwriting System Result: Conditional Free Form Text Field for Code 16
Alphanumeric; Width up to 255 characters
Specify in text the Other Automated Underwriting System Result(s) if 16 is entered. Otherwise, leave this data field blank.
Automated Underwriting System
108
Reverse Mortgage
Numeric
1
2
1111
Descriptions:
1. Reverse mortgage
2. Not a reverse mortgage
1111. Exempt
Reverse Mortgage
109
Open-End Line of Credit
Numeric
1
2
1111
Descriptions:
1. Open-end line of credit
2. Not an open-end line of credit
1111. Exempt
Open-End Line of Credit
110
Business or Commercial Purpose
Numeric
1
2
1111
Descriptions:
1. Primarily for a business or commercial purpose
2. Not primarily for a business or commercial purpose
1111. Exempt
Business or Commercial Purpose

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