| EXTENSION | |
| HMDA_HOEPALoanStatusIndicator | Flag used to indicate that loan is to be reported as a HOEPA (Home Ownership and Equity Protection Act of 1994) loan for HMDA reporting.A data type of Indicator SHOULD identify a data point that represents a boolean value.
The value choices SHOULD be "true" or "false" but MAY be "1" or "0".
EXAMPLE: A Basement Finished Indicator for a basement that qualifies would be expressed as "true". |
| HMDA_HOEPALoanStatusReasonType | A value from a MISMO prescribed list that specifies the reason behind the HOEPA disposition for a HMDA covered loan that you originated or purchased that is a high-cost mortgage under the Home Ownership and Equity Protection Act of 1994 (HOEPA), as implemented in Regulation Z Section 1026.32.A value from a MISMO prescribed list that specifies the reason behind the HOEPA disposition for a HMDA covered loan that you originated or purchased that is a high-cost mortgage under the Home Ownership and Equity Protection Act of 1994 (HOEPA), as implemented in Regulation Z Section 1026.32. |
| HMDA_HOEPALoanStatusReasonTypeOtherDescription | A free-form text field that specifies the enumeration when the value of Other is used for HMDA HOEPA Loan Status Reason Type.A data type of String SHOULD identify a data point that is either a text value consisting of a word, phrase, sentence, paragraph, or formatted (TAB, CR, LF) character content depending on its purpose or a numeric value with a maximum of 16383 characters and MAY have the lang attribute. There is no list of valid values provided.
EXAMPLE: A Disqualificaton Reason Text for excluding a product from those offered to a borrower could be expressed as "Does not meet income to indebtedness guidelines for down payment support.". |
| HMDAApplicationSubmissionType | A value from a MISMO prescribed list that specifies whether the applicant or borrower, on a HMDA covered loan or application, submitted the application directly to the reporting institution.A value from a MISMO prescribed list that specifies whether the applicant or borrower, on a HMDA covered loan or application, submitted the application directly to the reporting institution. |
| HMDABusinessPurposeIndicator | When true, indicates that the covered loan has a business purpose as specified in the HMDA LAR reporting requirements.A data type of Indicator SHOULD identify a data point that represents a boolean value.
The value choices SHOULD be "true" or "false" but MAY be "1" or "0".
EXAMPLE: A Basement Finished Indicator for a basement that qualifies would be expressed as "true". |
| HMDACoveredLoanInitiallyPayableToReportingInstitutionStatusType | A value from a MISMO prescribed list that specifies whether a loan, or in the case of an application that is required to be reported to HMDA, would have been initially payable to the reporting entity.A value from a MISMO prescribed list that specifies whether a loan, or in the case of an application that is required to be reported to HMDA, would have been initially payable to the reporting entity. |
| HMDADispositionDate | The date of the HMDA action taken, by year, month, and day.A data type of Date SHOULD identify a data point that represents numerically a specific year, month and year, or day month and year of the Gregorian Calendar.
Full dates MUST be represented in the extended format CCYY-MM-DD
CCYY is a four-digit year, "0001" through "9999"
MM is a two-digit month of that year, "01" through "12"
DD is a two-digit day of that month, "01" through "31"
Padded zeros must be used.
- is the required separator between CCYY-MM-DD
if the day or month and day are dropped, the preceding separator is also dropped
an optional trailing time zone indicator is permitted using either Z (for Coordinated Universal Time UTC) or an offset from UTC using +hh:mm or -hh:mm as in Datetime
Note that negative or extended (more than 4 digit) years are not permitted.
EXAMPLE: A Next Escrow Review Date that discloses the year and month would be expressed as "2010-06". |
| HMDADispositionType | A value from a MISMO prescribed list that specifies the type of action taken on the application or HMDA covered loan.A value from a MISMO prescribed list that specifies the type of action taken on the application or HMDA covered loan. |
| HMDAManufacturedHomeLegalClassificationType | A value from a MISMO prescribed list that specifies whether the manufactured home is legally classified as real property or as personal property.A value from a MISMO prescribed list that specifies whether the manufactured home is legally classified as real property or as personal property. |
| HMDAMultipleCreditScoresUsedIndicator | When true, indicates that more than one credit scoring model was used in developing the credit score.A data type of Indicator SHOULD identify a data point that represents a boolean value.
The value choices SHOULD be "true" or "false" but MAY be "1" or "0".
EXAMPLE: A Basement Finished Indicator for a basement that qualifies would be expressed as "true". |
| HMDAOtherNonAmortizingFeaturesIndicator | When true, indicates the presence of contractual terms other than contractual terms described in Section 1003.4(a)(27)(i), (ii), and (iii) that would allow for payments other than fully amortizing payments during the loan on a HMDA covered loan or application.A data type of Indicator SHOULD identify a data point that represents a boolean value.
The value choices SHOULD be "true" or "false" but MAY be "1" or "0".
EXAMPLE: A Basement Finished Indicator for a basement that qualifies would be expressed as "true". |
| HMDAPostalAddressUnknownType | A value from a MISMO prescribed list that specifies what aspects of the postal address for the subject property is or are unknown.A value from a MISMO prescribed list that specifies what aspects of the postal address for the subject property is or are unknown. |
| HMDAPreapprovalType | A value from a MISMO prescribed list that specifies how the loan meets the HMDA Preapproval reporting requirements.A value from a MISMO prescribed list that specifies how the loan meets the HMDA Preapproval reporting requirements. |
| HMDAPurchaserType | A value from a MISMO prescribed list that specifies whether a covered loan that your institution originated or purchased was then sold to a secondary market entity within the same calendar year.A value from a MISMO prescribed list that specifies whether a covered loan that your institution originated or purchased was then sold to a secondary market entity within the same calendar year. |
| HMDAPurchaserTypeOtherDescription | A free-form text field that specifies the enumeration when the value of Other is used for HMDA Purchaser Type.A data type of String SHOULD identify a data point that is either a text value consisting of a word, phrase, sentence, paragraph, or formatted (TAB, CR, LF) character content depending on its purpose or a numeric value with a maximum of 16383 characters and MAY have the lang attribute. There is no list of valid values provided.
EXAMPLE: A Disqualificaton Reason Text for excluding a product from those offered to a borrower could be expressed as "Does not meet income to indebtedness guidelines for down payment support.". |
| HMDAPurposeOfLoanType | A value from a MISMO prescribed list that specifies the HMDA Purpose of Loan as defined in Regulation C. The definitions of a home improvement loan and a refinancing were substantially revised in the final rules adopted in 2002.A value from a MISMO prescribed list that specifies the HMDA Purpose of Loan as defined in Regulation C. The definitions of a home improvement loan and a refinancing were substantially revised in the final rules adopted in 2002. |
| HMDAPurposeOfLoanTypeOtherDescription | A free-form text field that specifies the enumeration when the value of Other is used for HMDA Purpose Of Loan Type.A data type of String SHOULD identify a data point that is either a text value consisting of a word, phrase, sentence, paragraph, or formatted (TAB, CR, LF) character content depending on its purpose or a numeric value with a maximum of 16383 characters and MAY have the lang attribute. There is no list of valid values provided.
EXAMPLE: A Disqualificaton Reason Text for excluding a product from those offered to a borrower could be expressed as "Does not meet income to indebtedness guidelines for down payment support.". |
| HMDARateSpreadPercent | The difference between the annual percentage rate (APR) and the average prime offer rate (APOR) as required for HMDA Reporting Requirements.A data type of Percent SHOULD identify a number value that is in the subset of real numbers expressible by decimal numerals and represents a value that is scaled upward by 100 so that 1/100 is represented by 1. It MAY contain a single decimal point as punctuation. The decimal point is ALWAYS the US nationalization character (.) in the designated character encoding (UTF-8 assumed when not stated.)
It SHOULD be able to contain at least 18 digits.
EXAMPLE: A Tax Rate Percent for a rate of .055 be expressed as "5.5". |
| HMDAReportingCRAExemptionIndicator | When true, indicates that Certain Location Information is not Required for HMDA Reporting because your institution is not required to report data for CRA purposes under section 1003.4(e).A data type of Indicator SHOULD identify a data point that represents a boolean value.
The value choices SHOULD be "true" or "false" but MAY be "1" or "0".
EXAMPLE: A Basement Finished Indicator for a basement that qualifies would be expressed as "true". |
| HMDAReportingSmallPopulationIndicator | When true, indicates the property is located in a county with a population of 30,000 or less according to the most recent decennial census conducted by the U.S. Census Bureau.A data type of Indicator SHOULD identify a data point that represents a boolean value.
The value choices SHOULD be "true" or "false" but MAY be "1" or "0".
EXAMPLE: A Basement Finished Indicator for a basement that qualifies would be expressed as "true". |