| AutomobilesOwnedCount | The total number of automobiles owned by a borrower.A data type of Count SHOULD identify a non-negative number value that is a whole number with a maximum value of 2147483647. It SHALL NOT contain any punctuation.
EXAMPLE: A Total Bathroom Count for a dwelling unit with one full bathroom and one partial bathroom would be expressed as "2". |
| BorrowerAgeAtApplicationYearsCount | The age of the borrower at the time of application in years.A data type of Count SHOULD identify a non-negative number value that is a whole number with a maximum value of 2147483647. It SHALL NOT contain any punctuation.
EXAMPLE: A Total Bathroom Count for a dwelling unit with one full bathroom and one partial bathroom would be expressed as "2". |
| BorrowerApplicationSignedDate | The date that the borrower signed the loan application.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". |
| BorrowerBankruptcyIndicator | When true, indicates that the borrower has filed a bankruptcy petition.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". |
| BorrowerBirthDate | Borrower's date of birth.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". |
| BorrowerCharacteristicType | Specifies the classification applied to a borrower for the purposes of processing or reporting.Specifies the classification applied to a borrower for the purposes of processing or reporting. |
| BorrowerCharacteristicTypeOtherDescription | The description of the Borrower Characteristic Type when Other is selected as the option from the enumerated list.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.". |
| BorrowerClassificationType | Indicates whether the borrower is the primary or a secondary borrower.Indicates whether the borrower is the primary or a secondary borrower. |
| BorrowerIsAnIndividualPersonIndicator | When true, indicates that the applicant or co-applicant is a natural person and not a legal entity.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". |
| BorrowerMailToAddressSameAsPropertyIndicator | When true, indicates that the mailing address for the borrower is the same as the property address.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". |
| BorrowerQualifyingIncomeAmount | The total monthly borrower income per lender or investor guidelines.A data type of Amount SHOULD identify a number value that is an amount of money and MAY have a CurrencyURI attribute. It SHALL NOT contain any punctuation other than the decimal point or sign values. 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: An Unpaid Principle Balance Amount of $100,000.12 would be expressed as "100000.12". |
| BorrowerRelationshipTitleType | The description of the relationship of a borrower to (an) other borrower(s), if any, for Title purposes.The description of the relationship of a borrower to (an) other borrower(s), if any, for Title purposes. |
| BorrowerRelationshipTitleTypeOtherDescription | When Other is specified in Borrower Relationship Title Type, this element contains the description.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.". |
| BorrowerSameAsBuilderIndicator | When true, indicates that the Borrower is also the Builder on the loan transaction.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". |
| BorrowerTotalMortgagedPropertiesCount | The number of 1-4 unit properties that are financed and owned and/or obligated on by an individual borrower.A data type of Count SHOULD identify a non-negative number value that is a whole number with a maximum value of 2147483647. It SHALL NOT contain any punctuation.
EXAMPLE: A Total Bathroom Count for a dwelling unit with one full bathroom and one partial bathroom would be expressed as "2". |
| CommunityPropertyStateResidentIndicator | When true, indicates that the borrower lives in a community property state.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". |
| CreditFileBorrowerAgeYearsCount | The age of the borrower reported in the credit file returned from the repository bureau. The age is sometimes reported in lieu of the date of birth.A data type of Count SHOULD identify a non-negative number value that is a whole number with a maximum value of 2147483647. It SHALL NOT contain any punctuation.
EXAMPLE: A Total Bathroom Count for a dwelling unit with one full bathroom and one partial bathroom would be expressed as "2". |
| CreditReportAuthorizationIndicator | Indicates that the borrower gave the lender consent to pull credit report.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". |
| CreditReportIdentifier | A reference number assigned by the credit bureau to a specific credit report. This report number is also referenced when a Reissue, Upgrade, or Status Query of an existing report is requested.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". |
| DependentCount | The total number of borrower's dependents.A data type of Count SHOULD identify a non-negative number value that is a whole number with a maximum value of 2147483647. It SHALL NOT contain any punctuation.
EXAMPLE: A Total Bathroom Count for a dwelling unit with one full bathroom and one partial bathroom would be expressed as "2". |
| DomesticRelationshipIndicator | When true, indicates that the borrower is in a civil union, domestic partnership, or registered reciprocal beneficiary relationship recognized by the State in which he/she currently resides or where the property is located.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". |
| DomesticRelationshipStateCode | The two-character postal representation of the US state, US Territory, Canadian Province, Military APO FPO, or Territory in which the relationship with an individual who is not a legal spouse was formed.A data type of Code SHOULD identify a data point that is a look-up value for an entry in a list of values and explanations and MAY have CodeOwnerURI and CodeEffectiveDate attributes.
EXAMPLE: A State Code would be expressed as "AL". |
| DomesticRelationshipType | A value from a MISMO prescribed list that specifies a borrower’s relationship with an individual who is not a legal spouse but who has real property rights similar to those of a legal spouse.A value from a MISMO prescribed list that specifies a borrower’s relationship with an individual who is not a legal spouse but who has real property rights similar to those of a legal spouse. |
| DomesticRelationshipTypeOtherDescription | A free-form text field that specifies the enumeration when the value of Other is used for the Domestic Relationship 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.". |
| EmploymentStateType | The current employment status of the borrower.The current employment status of the borrower. |
| EmploymentStateTypeOtherDescription | A free-form text field used to collect additional information when Other is selected for Employment State 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.". |
| EXTENSION | |
| HousingCounselingRequiredIndicator | When true, indicates the borrower is required to complete some level of housing counseling.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". |
| IntentToProceedWithLoanTransactionIndicatedDate | The date the borrower indicated his or her intent to proceed with the loan transaction.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". |
| JointAssetLiabilityReportingType | A value from a MISMO prescribed list that specifies how assets and liabilities are being reported on the loan application.A value from a MISMO prescribed list that specifies how assets and liabilities are being reported on the loan application. |
| MaritalStatusType | A value from a MISMO prescribed list that specifies the marital status of the party as disclosed by the party.A value from a MISMO prescribed list that specifies the marital status of the party as disclosed by the party. |
| MaritalStatusTypeOtherDescription | A free-form text field that specifies the enumeration when the value of Other is used for the Marital Status 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.". |
| SchoolingYearsCount | The number of years the borrower has attended school. Collected on the URLA in Section III (Yrs. School).A data type of Count SHOULD identify a non-negative number value that is a whole number with a maximum value of 2147483647. It SHALL NOT contain any punctuation.
EXAMPLE: A Total Bathroom Count for a dwelling unit with one full bathroom and one partial bathroom would be expressed as "2". |
| SelfDeclaredMilitaryServiceIndicator | When true, indicates that the individual is self-reporting as having served, or is currently serving in the US Armed Forces. Includes enlisted persons that may not have served in ‘Active Duty’ status, and service in the National Guard or Reserves. Also includes ‘surviving spouses’ of Veterans who served and were Missing In Action (MIA) /Killed In Action (KIA), who died of a condition or impairment connected to their service in the Armed Forces (as determined by VA or DoD), or who self-report that their spouse’s service and connected disability/impairment entitles them to benefits from the VA.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". |
| SignedAuthorizationToRequestTaxRecordsIndicator | Indicates that the IRS form (4506 or 4506T) that gives the lender the authority to request copies of tax records is present.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". |
| SpousalVABenefitsEligibilityIndicator | When true, indicates that the individual is a surviving spouse of a Veteran who served and was Missing In Action (MIA) /Killed In Action (KIA), a Veteran who died of a condition or impairment connected to his/her service in the Armed Forces (as determined by VA or DoD), or a Veteran whose service connected disability/impairment, they believe, entitles them to benefits from the VA.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". |
| TaxRecordsObtainedIndicator | Indicates that the IRS form (4506 or 4506T) that gives the lender the authority to request copies of tax records has been executed by the lender.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". |