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Modified LAR Schema

Data Field NumberData Field NameData Field TypeField Type DescriptionValid ValuesDescriptions and ExamplesData Point Name
1Activity YearNumericInteger
2017
2018
2019
2020
2021
2022
2023
2Legal Entity Identifier (LEI)Alphanumeric. Width is 20 charactersStringExample: 12121212121212121212Legal Entity Identifier (LEI)
3Loan TypeNumericInteger1
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 the Farm Service Agency guaranteed (RHS or FSA)
Loan Type
4Loan PurposeNumericInteger1
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
5PreapprovalNumericInteger1
2
Descriptions:
1. Preapproval requested
2. Preapproval not requested
Preapproval
6Construction MethodNumericInteger1
2
Descriptions:
1. Site-built
2. Manufactured Home
Construction Method
7Occupancy TypeNumericInteger1
2
3
Descriptions:
1. Principal residence
2. Second residence
3. Investment property
Occupancy Type
8Loan AmountNumericIntegerDisclose the midpoint for the $10000 interval into which the reported value falls (e.g. for a reported value of $117834 disclose $115000 as the midpoint between values = $110000 and < $120000)Loan Amount
9Action TakenNumericInteger1
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 Application withdrawn by applicant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
10StateAlphanumericStringExample: ST (or) NAProperty Location
11CountyAlphanumericStringExample: 06037 (or) NAProperty Location
12Census TractAlphanumericStringExample: 06037264000 (or) NAProperty Location
13Ethnicity of Applicant or Borrower: 1NumericInteger or Blank1
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) and only provided ethnicity(ies) in the Ethnicity of Applicant or Borrower: Free Form Text Field for Other Hispanic or Latino, this data field may be left blank.
Ethnicity
14Ethnicity of Applicant or Borrower: 2NumericInteger or Blank1
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
15Ethnicity of Applicant or Borrower: 3NumericInteger or Blank1
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
16Ethnicity of Applicant or Borrower: 4NumericInteger or Blank1
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
17Ethnicity of Applicant or Borrower: 5NumericInteger or Blank1
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
18Ethnicity of Co-Applicant or Co-Borrower: 1NumericInteger or Blank1
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
19Ethnicity of Co-Applicant or Co-Borrower: 2NumericInteger or Blank1
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
20Ethnicity of Co-Applicant or Co-Borrower: 3NumericInteger or Blank1
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
21Ethnicity of Co-Applicant or Co-Borrower: 4NumericInteger or Blank1
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
22Ethnicity of Co-Applicant or Co-Borrower: 5NumericInteger or Blank1
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
23Ethnicity of Applicant or Borrower Collected on the Basis of Visual Observation or SurnameNumericInteger1
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
24Ethnicity of Co-Applicant or Co-Borrower Collected on the Basis of Visual Observation or SurnameNumericInteger1
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
25Race of Applicant or Borrower: 1NumericInteger or Blank1
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
26Race of Applicant or Borrower: 2NumericInteger or Blank1
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
27Race of Applicant or Borrower: 3NumericInteger or Blank1
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
28Race of Applicant or Borrower: 4NumericInteger or Blank1
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
29Race of Applicant or Borrower: 5NumericInteger or Blank1
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
30Race of Co-Applicant or Co-Borrower: 1NumericInteger or Blank1
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
31Race of Co-Applicant or Co-Borrower: 2NumericInteger or Blank1
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
32Race of Co-Applicant or Co-Borrower: 3NumericInteger or Blank1
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
33Race of Co-Applicant or Co-Borrower: 4NumericInteger or Blank1
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
34Race of Co-Applicant or Co-Borrower: 5NumericInteger or Blank1
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
35Race of Applicant or Borrower Collected on the Basis of Visual Observation or SurnameNumericInteger1
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
36Race of Co-Applicant or Co-Borrower Collected on the Basis of Visual Observation or SurnameNumericInteger1
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
37Sex of Applicant or BorrowerNumericInteger1
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
38Sex of Co-Applicant or Co-BorrowerNumericInteger1
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
39Sex of Applicant or Borrower Collected on the Basis of Visual Observation or SurnameNumericInteger1
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
40Sex of Co-Applicant or Co-Borrower Collected on the Basis of Visual Observation or SurnameNumericInteger1
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
41Age of Applicant or BorrowerAlphanumericString<25
25-34
35-44
45-54
55-64
65-74
>74
Bin the age reported into one of the ranged provided. Report 8888 if Age is NA.Age
42Age of Applicant >= 62AlphanumericStringYes
No
NA
Enter Yes in the new field if the age of applicant is >= 62. Enter No if the age is <= 62. Enter NA if the Age of Applicant or Borrower is 8888Age
43Age of Co-Applicant or Co-BorrowerAlphanumericString<25
25-34
35-44
45-54
55-64
65-74
>74
Bin the age reported into one of the ranged provided. Report 8888 if Age is NA or 9999 if No-Co-ApplicantAge
44Age of Co-Applicant >= 62AlphanumericStringYes
No
NA
Enter Yes in the new field if the age of the co-applicant is >= 62. Enter No if the age is <=62. Enter NA if Age of Co-Applicant or Co-Borrower is 8888 or 9999Age
45IncomeAlphanumericInteger or NAExample: 36 (or) NAIncome
46Type of PurchaserNumericInteger0
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
47Rate SpreadAlphanumericDouble or NA or ExemptExample: 3.29524 (or) NARate Spread
48HOEPA StatusNumericInteger1
2
3
Descriptions:
1. High-cost mortgage
2. Not a high-cost mortgage
3. Not applicable
HOEPA Status
49Lien StatusNumericInteger1
2
Descriptions:
1. Secured by a first lien
2. Secured by a subordinate lien
Lien Status
50Applicant or Borrower - Name and Version of Credit Scoring ModelNumericInteger1
2
3
4
5
6
7
8
9
1111
Descriptions:
1. Equifax Beacon 5.0
2. Experian Fair Isaac
3. FICO Risk Score Classic 04
4. 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
Credit Score
51Co-Applicant or Co-Borrower - Name and Version of Credit Scoring ModelNumericInteger1
2
3
4
5
6
7
8
9
10
1111
Descriptions:
1. Equifax Beacon 5.0
2. Experian Fair Isaac
3. FICO Risk Score Classic 04
4. 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
Credit Score
52Reason for Denial: 1NumericInteger1
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
Reason for Denial
53Reason for Denial: 2NumericInteger or Blank1
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
54Reason for Denial: 3NumericInteger or Blank1
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
55Reason for Denial: 4NumericInteger or Blank1
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
56Total Loan CostsAlphanumericDouble or NA or ExemptExample: 2399.04 (or) NATotal Loan Costs or Total Points and Fees
57Total Points and FeesAlphanumericDouble or NA or ExemptExample: 2399.04 (or) NATotal Loan Costs or Total Points and Fees
58Origination ChargesAlphanumericDouble or NA or ExemptExample: 2399.04 (or) NAOrigination Charges
59Discount PointsAlphanumericDouble or NA or Blank or Exempt"Example: 2399.04 (or) NA. If no points were paid, leave this data field blank"Discount Points
60Lender CreditsAlphanumericDouble or NA or Blank or Exempt"Example: 1500.24 (or) NA. If no points were paid, leave this data field blank"Lender Credits
61Interest RateAlphanumericDouble or NA or ExemptExample: 4.125 (or) NAInterest Rate
62Prepayment Penalty TermAlphanumericInteger or NA or ExemptExample: 24 (or) NAPrepayment Penalty Term
63Debt-to-Income RatioAlphanumericString<20%;
20%-<30%;
30%-<36%;
50%-60%;
>60%;
Exact values between 36-<50;
NA;
Exempt
Disclose exact values between 36% - <50% otherwise bin the values into one of the defined bins. Report NA if field is NA. Report Exempt if field is exempt.Debt-to-Income Ratio
64Combined Loan-to-Value RatioAlphanumericDouble or NA or ExemptExample: 80.05 (or) NACombined Loan-to-Value Ratio
65Loan TermAlphanumericInteger or NA or ExemptExample: 360 (or) NALoan Term
66Introductory Rate PeriodAlphanumericInteger or NA or ExemptExample: 24 (or) NAIntroductory Rate Period
67Balloon PaymentNumericInteger1
2
1111
Descriptions:
1. Balloon payment
2. No balloon payment
Non-Amortizing Features
68Interest-Only PaymentsNumericInteger1
2
1111
Descriptions:
1. Interest-only payments
2. No interest-only payments
Non-Amortizing Features
69Negative AmortizationNumericInteger1
2
1111
Descriptions:
1. Negative amortization
2. No negative amortization
Non-Amortizing Features
70Other Non-amortizing FeaturesNumericInteger1
2
1111
Descriptions:
1. Other non-fully amortizing features
2. No other non-fully amortizing features
Non-Amortizing Features
71Property ValueAlphanumericStringDisclose the midpoint for the $10000 interval into which the reported value falls (e.g.for a reported value of $117834 disclose $115000 as the midpoint between values equal to $110000 and less than $120000). Report NA if field is NA. Report Exempt if field isExempt.Property Value
72Manufactured Home Secured Property TypeNumericInteger1
2
3
1111
Descriptions:
1. Manufactured home and land
2. Manufactured home and not land
3. Not applicable
Manufactured Home Secured Property Type
73Manufactured Home Land Property InterestNumericInteger1
2
3
4
5
1111
Descriptions:
1. Direct ownership
2. Indirect ownership
3. Paid leasehold
4. Unpaid leasehold
5. Not applicable
Manufactured Home Land Property Interest
74Total UnitsAlphanumericString1; 2; 3; 4; 5-24; 25-49; 50-99; 100-149; >149Disclose 1 through 4 units as-is. Bin reported values above 4 into the provided binsTotal Units
75Multifamily Affordable UnitsAlphanumericStringDisclose this as a percentage. Take the multifamily affordable units reported / total units reported.Round to a whole number. NA remains NA; Exempt remains ExemptMultifamily Affordable Units
76Submission of ApplicationNumericInteger1
2
3
1111
Descriptions:
1. Submitted directly to your institution
2. Not submitted directly to your institution
3. Not applicable
Application Channel
77Initially Payable to Your InstitutionNumericInteger1
2
3
1111
Descriptions:
1. Initially payable to your institution
2. Not initially payable to your institution
3. Not applicable
Application Channel
78Automated Underwriting System: 1NumericInteger1
2
3
4
5
6
1111
Descriptions:
1. Desktop Underwriter (DU)
2. Loan Prospector (LP)
3. Technology Open to Approved Lenders (TOTAL) Scorecard
4. Guaranteed Underwriting System (GUS)
5. Other
6. Not applicable
Automated Underwriting System
79Automated Underwriting System: 2NumericInteger or Blank1
2
3
4
5
Descriptions:
1. Desktop Underwriter (DU)
2. Loan Prospector (LP)
3. Technology Open to Approved Lenders (TOTAL) Scorecard
4. Guaranteed Underwriting System (GUS)
5. Other. If this data field does not contain an entry leave it blank.
Automated Underwriting System
80Automated Underwriting System: 3NumericInteger or Blank1
2
3
4
5
Descriptions:
1. Desktop Underwriter (DU)
2. Loan Prospector (LP)
3. Technology Open to Approved Lenders (TOTAL) Scorecard
4. Guaranteed Underwriting System (GUS)
5. Other. If this data field does not contain an entry leave it blank.
Automated Underwriting System
81Automated Underwriting System: 4NumericInteger or Blank1
2
3
4
5
Descriptions:
1. Desktop Underwriter (DU)
2. Loan Prospector (LP)
3. Technology Open to Approved Lenders (TOTAL) Scorecard
4. Guaranteed Underwriting System (GUS)
5. Other. If this data field does not contain an entry leave it blank.
Automated Underwriting System
82Automated Underwriting System: 5NumericInteger or Blank1
2
3
4
5
Descriptions:
1. Desktop Underwriter (DU)
2. Loan Prospector (LP)
3. Technology Open to Approved Lenders (TOTAL) Scorecard
4. Guaranteed Underwriting System (GUS)
5. Other. If this data field does not contain an entry leave it blank.
Automated Underwriting System
83Reverse MortgageNumericInteger1
2
1111
Descriptions:
1. Reverse mortgage
2. Not a reverse mortgage
Reverse Mortgage
84Open-End Line of CreditNumericInteger1
2
1111
Descriptions:
1. Open-end line of credit
2. Not an open-end line of credit
Open-End Line of Credit
85Business or Commercial PurposeNumericInteger1
2
1111
Descriptions:
1. Primarily for a business or commercial purpose
2. Not primarily for a business or commercial purpose
Business or Commercial Purpose

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