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2018 & Onward MLAR Data Dictionary

Field NameField Data TypeValid ValuesNotes
Activity YearInteger2018, 2019, 2020, 2021, 2022, 2023
Legal Entity Identifier (LEI)Character Varying
Loan TypeInteger1, 2, 3, 4
Loan PurposeInteger1, 2, 31, 32, 4, 5
PreapprovalInteger1, 2
Construction MethodInteger1, 2
Occupancy TypeInteger1, 2, 3
Loan AmountNumericLoan amounts are rounded to the midpoint of the nearest $10000 interval for which the reported value falls (For example a reported value of $117834 would be disclosed as $115000 as the midpoint between values $110000 and $120000).
Action TakenInteger1, 2, 3, 4, 5, 6, 7, 8
StateCharacter VaryingNAtwo-letter state code
CountyCharacter VaryingNA Exemptstate-county FIPS code
Census TractCharacter VaryingNA11 digit census tract number
Ethnicity of Applicant or Borrower: 1Character Varying1, 11, 12, 13, 14, 2, 3, 4
Ethnicity of Applicant or Borrower: 2Character Varying1, 11, 12, 13, 14, 2
Ethnicity of Applicant or Borrower: 3Character Varying1, 11, 12, 13, 14, 2
Ethnicity of Applicant or Borrower: 4Character Varying1, 11, 12, 13, 14, 2
Ethnicity of Applicant or Borrower: 5Character Varying1, 11, 12, 13, 14, 2
Ethnicity of Co-Applicant or Co-Borrower: 1Character Varying1, 11, 12, 13, 14, 2, 3, 4, 5
Ethnicity of Co-Applicant or Co-Borrower: 2Character Varying1, 11, 12, 13, 14, 2
Ethnicity of Co-Applicant or Co-Borrower: 3Character Varying1, 11, 12, 13, 14, 2
Ethnicity of Co-Applicant or Co-Borrower: 4Character Varying1, 11, 12, 13, 14, 2
Ethnicity of Co-Applicant or Co-Borrower: 5Character Varying1, 11, 12, 13, 14, 2
Ethnicity of Applicant or Borrower Collected on the Basis of Visual Observation or SurnameInteger1, 2, 3
Ethnicity of Co-Applicant or Co-Borrower Collected on the Basis of Visual Observation or SurnameInteger1, 2, 3, 4
Race of Applicant or Borrower: 1Character Varying1, 2, 21, 22, 23, 24, 25, 26, 27, 3, 4, 41, 42, 43, 44, 5, 6, 7
Race of Applicant or Borrower: 2Character Varying1, 2, 21, 22, 23, 24, 25, 26, 27, 3, 4, 41, 42, 43, 44, 5
Race of Applicant or Borrower: 3Character Varying1, 2, 21, 22, 23, 24, 25, 26, 27, 3, 4, 41, 42, 43, 44, 5
Race of Applicant or Borrower: 4Character Varying1, 2, 21, 22, 23, 24, 25, 26, 27, 3, 4, 41, 42, 43, 44, 5
Race of Applicant or Borrower: 5Character Varying1, 2, 21, 22, 23, 24, 25, 26, 27, 3, 4, 41, 42, 43, 44, 5
Race of Co-Applicant or Co-Borrower: 1Character Varying1, 2, 21, 22, 23, 24, 25, 26, 27, 3, 4, 41, 42, 43, 44, 5, 6, 7, 8
Race of Co-Applicant or Co-Borrower: 2Character Varying1, 2, 21, 22, 23, 24, 25, 26, 27, 3, 4, 41, 42, 43, 44, 5
Race of Co-Applicant or Co-Borrower: 3Character Varying1, 2, 21, 22, 23, 24, 25, 26, 27, 3, 4, 41, 42, 43, 44, 5
Race of Co-Applicant or Co-Borrower: 4Character Varying1, 2, 21, 22, 23, 24, 25, 26, 27, 3, 4, 41, 42, 43, 44, 5
Race of Co-Applicant or Co-Borrower: 5Character Varying1, 2, 21, 22, 23, 24, 25, 26, 27, 3, 4, 41, 42, 43, 44, 5
Race of Applicant or Borrower Collected on the Basis of Visual Observation or SurnameInteger1, 2, 3
Race of Co-Applicant or Co-Borrower Collected on the Basis of Visual Observation or SurnameInteger1, 2, 3, 4
Sex of Applicant or BorrowerInteger1, 2, 3, 4, 6
Sex of Co-Applicant or Co-BorrowerInteger1, 2, 3, 4, 5, 6
Sex of Applicant or Borrower Collected on the Basis of Visual Observation or SurnameInteger1, 2, 3
Sex of Co-Applicant or Co-Borrower Collected on the Basis of Visual Observation or SurnameInteger1, 2, 3, 4
Age of Applicant or BorrowerCharacter Varying<25, 25-34, 35-44, 45-54, 55-64, 65-74, >74, 8888
Age of Applicant or Borrower Greater Than or Equal To 62Character VaryingYes, No, NA
Age of Co-Applicant or Co-BorrowerCharacter Varying<25, 25-34, 35-44, 45-54, 55-64, 65-74, >74, 8888, 9999
Age of Co-Applicant or Co-Borrower Greater Than or Equal To 62Character VaryingYes, No, NA
IncomeCharacter VaryingNA
Type of PurchaserInteger0, 1, 2, 3, 4, 5, 6, 71, 72, 8, 9
Rate SpreadCharacter VaryingNA, Exempt
HOEPA StatusInteger1, 2, 3
Lien StatusInteger1, 2
Applicant or Borrower - Name and Version of Credit Scoring ModelInteger1, 2, 3, 4, 5, 6, 7, 8, 9, 1111
Co-Applicant or Co-Borrower - Name and Version of Credit Scoring ModelInteger1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 1111
Reason for Denial: 1Integer1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 1111
Reason for Denial: 2Integer1, 2, 3, 4, 5, 6, 7, 8, 9
Reason for Denial: 3Integer1, 2, 3, 4, 5, 6, 7, 8, 9
Reason for Denial: 4Integer1, 2, 3, 4, 5, 6, 7, 8, 9
Total Loan CostsCharacter VaryingNA, Exempt
Total Points and FeesCharacter VaryingNA, Exempt
Origination ChargesCharacter VaryingNA, Exempt
Discount PointsCharacter VaryingNA, Exempt
Lender CreditsCharacter VaryingNA, Exempt
Interest RateCharacter VaryingNA, Exempt
Prepayment Penalty TermCharacter VaryingNA Exempt
Debt-to-Income RatioCharacter Varying<20%, 20%-<30%, 30%-<36%, 50%-60%, >60%, NA, ExemptExact values are reported between 36% and 49%.
Combined Loan-to-Value RatioCharacter VaryingNA, Exempt
Loan TermCharacter VaryingNA, Exempt
Introductory Rate PeriodCharacter VaryingNA, Exempt
Balloon PaymentInteger1, 2, 1111
Interest-Only PaymentsInteger1, 2, 1111
Negative AmortizationInteger1, 2, 1111
Other Non-Amortizing FeaturesInteger1, 2, 1111
Property ValueCharacter VaryingNA, ExemptProperty values are rounded to the midpoint of the nearest $10000 interval for which the reported value falls (For example a reported value of $117834 would be disclosed as $115000 as the midpoint between values $110000 and $120000).
Manufactured Home Secured Property TypeInteger1, 2, 3, 1111
Manufactured Home Land Property InterestInteger1, 2, 3, 4, 5, 1111
Total UnitsCharacter Varying1, 2, 3, 4, 5-24, 25-49, 50-99, 100-149, >149
Multifamily Affordable UnitsCharacter VaryingNA ExemptListed as a percentage of total units.
Submission of ApplicationInteger1, 2, 3, 1111
Initially Payable to Your InstitutionInteger1, 2, 3, 1111
Automated Underwriting System: 1Integer1, 2, 3, 4, 5, 6, 1111
Automated Underwriting System: 2Integer1, 2, 3, 4, 5
Automated Underwriting System: 3Integer1, 2, 3, 4, 5
Automated Underwriting System: 4Integer1, 2, 3, 4, 5
Automated Underwriting System: 5Integer1, 2, 3, 4, 5
Reverse MortgageInteger1, 2, 1111
Open-End Line of CreditInteger1, 2, 1111
Business or Commercial PurposeInteger1, 2, 1111

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