| AutomatedUnderwritingCaseIdentifier | A unique identifier assigned by the underwriting system to the underwriting case for a specific loan application.A data type of Identifier SHOULD identify a data point that provides a unique value for reference purposes and MAY have IdentifierOwnerURI and IdentifierEffectiveDate attributes.
EXAMPLE: A Loan Identifier could be expressed as "0034567891-A". |
| AutomatedUnderwritingDecisionDatetime | The date and time of the underwriting decision.A data type of Datetime SHOULD identify a data point that represents numerically a specific day month and year of the Gregorian Calendar plus a time of day expressed in hours, minutes and seconds as related to Coordinated Universal Time (UTC) and MAY have an IgnoreTimeSegmentIndicator attribute.
Datetimes MUST be represented in the extended format CCYY-MM-DDThh:mm:ssZ
CCYY is a four-digit year, "0000" 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”
- is the required separator between CCYY-MM-DD
T is the required separator between the date and the time groupings
hh is a two-digit hour of that day, "00" through "23"
mm is a two-digit minute of that hour, "00" through "59"
ss is a two-digit second of that minute, "00" through "59"
: is the required separator between hh:mm:ss
Z is a required time zone indicator using either Z (for Coordinated Universal Time UTC) or an offset from UTC using +hh:mm or -hh:mm
Padded leading zeroes must be used throughout.
an optional fractional seconds (decimal point and up to 9 digits) is permitted between the seconds and the time zone.
Note that negative or extended (more than 4 digit) years are not permitted.
EXAMPLE: An Event Datetime would be expressed as "2010-06-29T14;24:13.124-05:00". |
| AutomatedUnderwritingEvaluationStatusDescription | The status of the Automated Underwriting Certificate Request.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.". |
| AutomatedUnderwritingMethodVersionIdentifier | Specifies the version of the automated underwriting system used to underwrite the loan.A data type of Identifier SHOULD identify a data point that provides a unique value for reference purposes and MAY have IdentifierOwnerURI and IdentifierEffectiveDate attributes.
EXAMPLE: A Loan Identifier could be expressed as "0034567891-A". |
| AutomatedUnderwritingProcessDescription | A free-form text description of the automated underwriting process or procedure used on the loan.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.". |
| AutomatedUnderwritingRecommendationDescription | The loan approval recommendation determined by the Automated Underwriting system.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.". |
| AutomatedUnderwritingSystemDocumentWaiverIndicator | When a returned AU system recommendation indicates that some or all of the loan information is not required to be formally documented in the loan submission package, e.g., no requirement to provide a wage statement, tax returns, etc. A loan of this type would not be considered an Alt A product because the borrower is not applying for a limited/reduced documentation loan.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". |
| AutomatedUnderwritingSystemResultValue | The result of the private automated underwriting evaluation system.A data type of Value SHOULD identify a data point that is a String generated as the result of applying an algorithm to other data and MAY have AlgorithmURI and lang attributes.
EXAMPLE: A Delivery Point Bar Code Value could be expressed as "20500999901". |
| AutomatedUnderwritingSystemType | A value from a MISMO prescribed list that represents the automated underwriting system used to evaluate a loan.A value from a MISMO prescribed list that represents the automated underwriting system used to evaluate a loan. |
| AutomatedUnderwritingSystemTypeOtherDescription | A free-form text field used to collect additional information when Other is selected for Automated Underwriting System 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.". |
| DesktopUnderwriterRecommendationType | To convey the DU recommendation.To convey the DU recommendation. |
| EXTENSION | |
| FHAPreReviewResultsValue | The credit risk decision issued by the FHA TOTAL Mortgage Scorecard based solely on the algorithm score. (Does not take into account review rules or credit overrides.)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.". |
| FREPurchaseEligibilityType | To convey the Freddie Mac purchase eligibility.To convey the Freddie Mac purchase eligibility. |
| LoanProspectorCreditRiskClassificationDescription | The Loan Prospector credit risk classification for a loan.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.". |
| LoanProspectorDocumentationClassificationDescription | The Loan Prospector documentation classification for the loan.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.". |