Filing instructions guide for HMDA data collected in 2018

August 2017 Filing instructions guide for HMDA data collected in 2018 OMB Control #3170-0008

Version log The following is a version log that tracks the history of this document and its updates: Date Version Section Changes 1. Section 1.3 Updated to include the amendments in the 2017 HMDA Rule. 2. Section 3.3 Updated loan application/register format to clarify that each covered loan or application should appear on its own line in the loan/application register. August 2017 3.1 1. What s in the FIG?; 3. 2018 File Specifications; 4. 2018 Data Specifications; and 5. 2018 Edit Specifications 3. Section 3.4, Table 2, and Section 4.2.2 Updated description of Loan Type, Code 3. 4. Section 3.4, Table 2, and Section 4.2.2 Added Code 5 to Loan Purpose. 5. Section 3.4, Table 2, Section 4.2.2, and Section 5.3 Table 6 Updated the names of the following data fields: #24 Ethnicity of Applicant or Borrower: Conditional Free Form Text Field for Code 14 to Ethnicity of Applicant or Borrower: Free Form Text Field for Other Hispanic or Latino. #30 Ethnicity of Co-Applicant or Co-Borrower: Conditional Free Form Text Field for Code 14 to Ethnicity of Co-Applicant or Co-Borrower: Free Form Text Field for Other Hispanic or Latino. #38 Race of Applicant or Borrower: Conditional Free Form Text Field for Code 1 to Race of Applicant or Borrower: Free Form Text Field for American Indian or Alaska Native Enrolled or Principal Tribe. 1

Date Version Section Changes #39 Race of Applicant or Borrower: Conditional Free Form Text Field for Code 27 to Race of Applicant or Borrower: Free Form Text Field for Other Asian. #40 Race of Applicant or Borrower: Conditional Free Form Text Field for Code 44 to Race of Applicant or Borrower: Free Form Text Field for Other Pacific Islander. #46 Race of Co-Applicant or Co-Borrower: Conditional Free Form Text Field for Code 1 to Race of Co-Applicant or Co-Borrower: Free Form Text Field for American Indian or Alaska Native Enrolled or Principal Tribe. #47 Race of Co-Applicant or Co-Borrower: Conditional Free Form Text Field for Code 27 to Race of Co-Applicant or Co-Borrower: Free Form Text Field for Other Asian. #48 Race of Co-Applicant or Co-Borrower: Conditional Free Form Text Field for Code 44 to Race of Co-Applicant or Co-Borrower: Free Form Text Field for Other Pacific Islander. 6. Section 3.4, Table 2 Updated descriptions for the following data fields: #19 Ethnicity of Applicant or Borrower: 1. #24 Ethnicity of Applicant or Borrower: Free Form Text Field for Other Hispanic or Latino. #25 Ethnicity of Co-Applicant or Co-Borrower: 1. #30 Ethnicity of Co-Applicant or Co-Borrower: Free Form Text Field for Other Hispanic or Latino. #33 Race of Applicant or Borrower: 1. #38 Race of Applicant or Borrower: Free Form Text Field for American Indian or Alaska Native Enrolled or Principal Tribe. #39 Race of Applicant or Borrower: Free Form Text Field for Other Asian. #40 Race of Applicant or Borrower: Free Form Text Field for Other Pacific Islander. #41 Race of Co-Applicant or Co-Borrower: 1. #46 Race of Co-Applicant or Co-Borrower: 2

Date Version Section Changes Free Form Text Field for American Indian or Alaska Native Enrolled or Principal Tribe. #47 Race of Co-Applicant or Co-Borrower: Free Form Text Field for Other Asian. #48 Race of Co-Applicant or Co-Borrower: Free Form Text Field for Other Pacific Islander. 7. Section 3.4, Table 2, and Section 4.2.2 Added Code 7777 to the following data fields: #62 Credit Score of Applicant or Borrower. #63 Credit Score of Co-Applicant or Co- Borrower. 8. Section 3.4, Table 2 Updated examples for the following data fields: #76 Discount Points. #77 Lender Credits. 9. Section 4.2.2 Updated the example for loan amount. 10. Section 4.2.2 Updated instructions for the following: 1.f. Ethnicity of Applicant or Borrower. 2. Ethnicity Free Form Text Field for Other Hispanic or Latino. 1.f. Race of Applicant or Borrower. 2. Race Free Form Text Field for American Indian or Alaska Native Enrolled or Principal Tribe. 3. Race Free Form Text Field for Other Asian. 4. Race Free Form Text Field for Other Pacific Islander. c. Rate Spread. 1.a.i. Credit Score of Applicant or Borrower. 1.c. Credit Score of Applicant or Borrower. 2.a.i. and Version of Credit Scoring Model. 11. Section 5.2, Table 3. Created Revised Edits Table. 12. Section 5.3, Table 6. Changed data point name from ULI to Applicable to all data fields in edit S305. 3

Date Version Section Changes 13. Section 5.3, Table 6. Updated valid values in V612 and V614 to include Code 5. 14. Section 5.3, Table 6. Updated allowable reporting of Ethnicity and Race in V628, V631, V635 and V638. Updated the names of the free form text data fields. 15. Section 5.3, Table 6. Removed edit V653. 16. Section 5.3, Table 6. Modified condition two in V672 to remove and the reverse must be true. Added condition five in V673. 17. Section 5.3, Table 6. Updated the valid values in V691 by removing NA. 18. Section 5.3, Table 7. Updated valid values in Q613 to include Code 5. 19. Section 5.3, Table 7. Added Q642 to address non-numeric credit scores. 1. Section 3.4, Table 1. Updated example for Contact Person s Office State. July 2017 3.0 3. 2018 File Specifications; 4. 2018 Data Specifications; and 5. 2018 Edit Specifications 2. Section 3.4, Table 1. Updated example for Contact Person s Office ZIP Code. 3. Section 3.4, Table 1; Section 3.4, Table 2; Section 4.2.1; and Section 4.2.2. Updated examples for LEI and ULI. 4. Section 3.4, Table 2, and Section 4.2.2. Updated example for Loan Amount. 5. Section 3.4, Table 2; and Section 4.2.2. Updated example and data point for State. 6. Section 3.4, Table 2, and Section 4.2.2. Updated example for ZIP Code. 7. Section 4.2.2. 4

Date Version Section Changes Updated URL for check digit reference. 8. Section 4.2.2. Updated instructions and numbering for 1. Ethnicity of Applicant or Borrower (b). 9. Section 4.2.2. Updated instructions and numbering for 1. Race of Applicant or Borrower (b). 10. Section 4.2.2. Updated instructions for entering Mortgage Loan Originator NMLSR Identifier. 11. Section 5, 2018 Edit Specifications. Publication of edits for data collected in 2018. 1. Section 3.4, Table 2, and Section 4, 2018 Data Specifications. Character width has been increased for the following data fields: #24 Ethnicity of Applicant or Borrower: Conditional Free Form Text Field for Code 14. Width up to 100 characters. #30 Ethnicity of Co-Applicant or Co-Borrower: Conditional Free Form Text Field for Code 14. Width up to 100 characters. #38 Race of Applicant or Borrower: Conditional Free Form Text Field for Code 1. Width up to 100 characters. #39 Race of Applicant or Borrower: Conditional Free Form Text Field for Code 27. Width up to 100 characters. #40 Race of Applicant or Borrower: Conditional Free Form Text Field for Code 44. Width up to 100 characters. #46 Race of Co-Applicant or Co-Borrower: Conditional Free Form Text Field for Code 1. Width up to 100 characters. #47 Race of Co-Applicant or Co-Borrower: Conditional Free Form Text Field for Code 27. Width up to 100 characters. #48 Race of Co-Applicant or Co-Borrower: Conditional Free Form Text Field for Code 44. Width up to 100 characters. January 2017 2.1 3. 2018 File Specifications and 4. 2018 Data Specifications 5

Date Version Section Changes #65 Applicant or Borrower, and Version of Credit Scoring Model: Conditional Free Form Text Field for Code 8. Width up to 100 characters. #67 Co-Applicant or Co-Borrower, and Version of Credit Scoring Model: Conditional Free Form Text Field for Code 8. Width up to 100 characters. #72 Reason for Denial: Conditional Free Form Text Field for Code 9. Width up to 255 characters. July 2016 January 2016 2.0 All 1.0 File Specifications 2. Section 3.4, Table 2 Added co- to the Descriptions and Examples column for the following data fields: #46 Race of Co-Applicant or Co-Borrower: Conditional Free Form Text Field for Code 1. #47 Race of Co-Applicant or Co-Borrower: Conditional Free Form Text Field for Code 27. Width up to 100 characters. #48 Race of Co-Applicant or Co-Borrower: Conditional Free Form Text Field for Code 44. Publication of the Filing Instructions Guide and its components, including File Specifications as revised. Original Document 6

Table of contents Version log... 1 Table of contents... 7 Paperwork Reduction Act... 9 1. What s in the FIG?... 10 1.1 Changes to the Submission Process for Data Collected in 2018... 10 1.2 2018 File Specifications... 11 1.3 2018 Data Specifications... 11 1.4 2018 Edit Specifications... 12 2. Changes to the Submission Process for Data Collected in 2018... 13 2.1 Items that have changed:... 13 2.2 Items that have not changed:... 13 3. 2018 File Specifications... 16 3.1 Introduction... 16 3.2 Submission instructions... 16 3.3 Loan/Application Register format... 16 3.4 Information regarding data fields... 17 4. 2018 Data Specifications... 53 7

4.1 Introduction... 53 4.2 Data format and itemization... 53 5. 2018 Edit Specifications... 88 5.1 Introduction... 88 5.2 2018 Revised Edits... 89 5.3 2018 Edits... 91 6. Additional information... 144 6.1 Frequently Asked Questions... 144 6.2 HMDA Help... 144 8

Paperwork Reduction Act According to the Paperwork Reduction Act of 1995, an agency may not conduct or sponsor, and, not withstanding any other provision of law, a person is not required to respond to a collection of information unless it displays a valid OMB control number. The OMB control number for this collection is 3170-0008. The time required to complete this information collection is estimated to average between 9,000 hours and 161 hours per response depending on the size of the institution, per response. The obligation to respond to this collection of information is mandatory per the Home Mortgage Disclosure Act 12 U.S.C. 2801-2810 as implemented by CFPB S Regulation C 12 CFR part 1003. Comments regarding this collection of information, including the estimated response time, suggestions for improving the usefulness of the information, or suggestions for reducing the burden to respond to this collection should be submitted to the Bureau at the Consumer Financial Protection Bureau (Attention: PRA Office), 1700 G Street NW, Washington, DC 20552, or by email to PRA@cfpb.gov. The other agencies collecting information under this regulation maintain OMB Control numbers for their collections as follows: Office of the Comptroller of the Currency (1557 0159), the Federal Deposit Insurance Corporation (3064 0046), the Federal Reserve System (7100 0247), the Department of Housing and Urban Development (HUD) (2502 0529), the National Credit Union Administration (3133 0166). 9

1. What s in the FIG? The 2018 Filing Instructions Guide (FIG) is a compendium of resources to help you file HMDA data you collected in 2018 with the Consumer Financial Protection Bureau (CFPB) in 2019. These resources are briefly described in this section and are further detailed throughout this document in individual sections. The HMDA agencies have agreed that filing HMDA data collected in or after 2017 with the CFPB will be deemed submission to the appropriate Federal agency 1. The FIG includes the following sections: 1.1 Changes to the Submission Process for Data Collected in 2018 This section provides a summary of the changes made to the submission process for filing HMDA data collected in 2018 with the CFPB. This section may be useful for employees in a variety of roles, for example, your institution s: Compliance Officer 1 The HMDA agencies refers to the member agencies of the Federal Financial Institutions Examination Council (FFIEC) the CFPB, the Office of the Comptroller of the Currency (OCC), the Federal Deposit Insurance Corporation (FDIC), the Board of Governors of the Federal Reserve System (Board), and the National Credit Union Administration (NCUA) and the Department of Housing and Urban Development (HUD). 10

Staff who collect, prepare, and submit HMDA data HMDA technology support staff 1.2 2018 File Specifications This section provides information including valid values, how to format your loan/application register, and how to file your HMDA data collected in 2018 with the CFPB. This section may be useful for employees in a variety of roles, for example, your institution s: Staff who collect, prepare, and submit HMDA data HMDA technology support staff 1.3 2018 Data Specifications On October 15, 2015, the CFPB issued a final rule (2015 HMDA Rule) amending Regulation C. In August 2017, the CFPB issued a final rule amending the 2015 HMDA Rule primarily to make technical corrections and clarifying amendments (2017 HMDA Rule). Beginning with data collected in 2018, HMDA filers should report the data points described in the 2015 HMDA Rule and the 2017 HMDA Rule. This section provides instructions for what to enter into each data field in the loan/application register. This section may be useful for employees in a variety of roles, for example, your institution s: Compliance officer Staff who collect, prepare, and submit HMDA data 11

1.4 2018 Edit Specifications This section lists the edits that financial institutions must run on HMDA data before filing it with the CFPB. This section may be useful for employees in a variety of roles, for example, your institution s: Staff who collect, prepare, and submit HMDA data 12

2. Changes to the Submission Process for Data Collected in 2018 2.1 Items that have changed: The reported data fields have changed: The reported data fields and the valid values for the 2018 data have changed. Please refer to Regulation C and the Data Specification section for the requirements. The agency to which you file resubmissions of your HMDA data: A resubmission means that you have already filed your HMDA submission and received a confirmation receipt, but you are submitting again. Beginning with data collected in 2017, filers will resubmit their HMDA data by filing with the CFPB. 2.2 Items that have not changed: The loan/application register file format for submitting your HMDA data: Financial institutions will submit data collected in a pipe delimited text file (.txt). Data fields will be separated by a pipe character,, and will not be fixed length. This means that zeros do not 13

need to be added for the sole purpose of making a data field a specific number of characters. Additional information regarding the loan/application register file format can be found in the Frequently Asked Questions located at http://www.consumerfinance.gov/hmda/for-filers. Text entries in alphanumeric fields do not need to use all uppercase letters with the exception of: NA used when the reporting requirement is not applicable; and Two letter state codes A loan/application register formatting tool will be provided to help filers format certain data into a pipe delimited text file. This tool may be especially helpful for filers with small volumes of reported loans that do not use vendor or other software to prepare their HMDA data for submission. Information regarding the loan/application register formatting tool will be located at http://www.consumerfinance.gov/hmda/for-filers. The way you submit your HMDA data: Filers will submit their HMDA data using a web interface referred to as the HMDA Platform. Information regarding the HMDA Platform can be located at: http://www.consumerfinance.gov/hmda/for-filers. We recommend that HMDA filers use a modern browser, such as the latest version of Google Chrome browser or Mozilla Firefox, Internet Explorer 11, Microsoft Edge, or other modern browsers. The following submission methods will not be permitted: PC Diskette and CD-ROM Submission via Web (from the Data Entry Software (DES)) E-mail to HMDASUB@FRB.GOV Paper Submissions The process by which you validate the edit report: Financial institutions must address all edits prior to submitting their HMDA data. In contrast to the previous process for filing data with the Federal Reserve Board (FRB), all edits now must be addressed prior to filing HMDA data with the CFPB in order to complete the submission 14

process. The edit report will be web-based: Edit reports will not be e-mailed to filers in PDF format. Instead, the CFPB edit reports will be viewed and can be downloaded from the HMDA Platform. Responses to the edits will not be faxed or e-mailed to the CFPB. The HMDA Platform will guide filers through the process of addressing edits. The Officer Certification process: As part of the submission process, an authorized representative of your institution with knowledge of the data submitted shall certify to the accuracy and completeness of the data submitted. Filers will not fax or e-mail the signed certification. The contact information for HMDA Help: Technical questions about reporting HMDA data collected in or after 2017 should be directed to hmdahelp@cfpb.gov. Technical questions about reporting HMDA data collected in or before 2016 should be directed to hmdahelp@frb.gov. 15

3. 2018 File Specifications 3.1 Introduction The following information describes the format used when filing HMDA data with the Consumer Financial Protection Bureau (CFPB). 3.2 Submission instructions Filers will submit their HMDA data using a web interface. Information regarding the HMDA Platform can be located at: http://www.consumerfinance.gov/hmda/for-filers. We recommend that HMDA filers use a modern browser, such as the latest version of Google Chrome browser or Mozilla Firefox, Internet Explorer 11, Microsoft Edge, or other modern browsers. The HMDA Platform will walk you through the loan/application register filing process. Certification will also occur within the HMDA Platform. An authorized representative of your institution with knowledge of the data submitted shall certify to the accuracy and completeness of the data submitted. 3.3 Loan/Application Register format Beginning with data collected in 2017, your HMDA data loan/application register will be submitted in a pipe (also referred to as vertical bar) delimited text file format. This means that: 16

Each data field within each row will be separated with a pipe character,. Zeros do not need to be added for the sole purpose of making a data field a specific number of characters. The loan/application register will be a text file with a.txt file format extension. Text entries in alphanumeric fields do not need to use all uppercase letters with the exception of: NA used when the reporting requirement is not applicable; and Two letter state codes As with previous submissions: The first row of the loan/application register will begin with the number one (1) to indicate that the data fields in row one contain information relating to your institution. All subsequent rows of the loan/application register will begin with the number two (2) to indicate that the data fields beginning in row two contain data fields for the loan/application register, with information relating to the reported loan or application. Each covered loan or application must appear on its own line in the loan/application register. 3.4 Information regarding data fields Table 1 and Table 2 contain the data field name, data field type, valid values for numeric fields, examples for alphanumeric fields, and the data point name, where applicable. Please refer to Regulation C and the Data Specifications section for details regarding each data field. TABLE 1: FILING INSTITUTION, REPORTING PERIOD, AND CONTACT INFORMATION (TRANSMITTAL SHEET) Number Type Valid Values Descriptions and Examples 1 Record Identifier Value is 1 Numeric 1 17

Number Type Valid Values Descriptions and Examples 2 Financial Institution Alphanumeric 3 Calendar Year Numeric 4 5 6 7 8 9 10 11 Calendar Quarter Contact Person s Contact Person s Telephone Number Contact Person s E-mail Address Contact Person s Office Street Address Contact Person s Office City Contact Person s Office State Contact Person s Office ZIP Code Numeric 4 Alphanumeric Alphanumeric Alphanumeric Alphanumeric Alphanumeric Alphanumeric Alphanumeric Example: Ficus Bank Example: 2018 Description: 4. Annual submissions for covered loans and applications with respect to which final action was taken from January 1st (01/01) and December 31st (12/31) Example: Erika Otis Example: 999-999-9999 Example: erikaotis@bank.com Example: 4321 W Random Blvd Ste 201 Example: Somecity Example: CA Example: 90049-9998 18

Number Type Valid Values Descriptions and Examples 12 Federal Agency Numeric 13 14 15 Total Number of Entries Contained in Submission Federal Taxpayer Identification Number Legal Entity Identifier (LEI) Numeric Alphanumeric Alphanumeric; Width is 20 characters 1 2 3 5 7 9 Descriptions: 1. Office of the Comptroller of the Currency (OCC) 2. Federal Reserve System (FRS) 3. Federal Deposit Insurance Corporation (FDIC) 5. National Credit Union Administration (NCUA) 7. United States Department of Housing and Urban Development (HUD) 9. Consumer Financial Protection Bureau (CFPB) Example: 5000 Example: 99-9999999 Example: 10Bx939c5543TqA1144M TABLE 2: LOAN/APPLICATION REGISTER Data Field Number Type Valid Values Descriptions and Examples 1 Record Identifier Value is 2 Numeric 2 2 Legal Entity Identifier (LEI) Alphanumeric; Width is 20 characters Example: 10Bx939c5543TqA1144M Legal Entity Identifier (LEI) 3 Universal Loan Identifier (ULI) Alphanumeric; Width up to 45 characters Example: 10Bx939c5543TqA1144M999143X38 Universal Loan Identifier (ULI) 4 Application Date Alphanumeric Example: 20180721 (or) NA Application Date 19

Data Field Number Type Valid Values Descriptions and Examples 5 Loan Type Numeric 1 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 Farm Service Agency guaranteed (RHS or FSA) Loan Type 6 Loan Purpose Numeric 1 2 31 32 4 Descriptions: 1. Home purchase 2. Home improvement 31. Refinancing 32. Cash-out refinancing 4. Other purpose 5. Not applicable Loan Purpose 7 Preapproval Numeric 1 2 Descriptions: 1. Preapproval requested 2. Preapproval not requested Preapproval 8 Construction Method Numeric 1 2 Descriptions: 1. Site-built 2. Manufactured Home Construction Method 9 Occupancy Type Numeric 1 2 3 Descriptions: 1. Principal residence 2. Second residence 3. Investment property Occupancy Type 10 Loan Amount Numeric Example: 110500 (or) 110500.00 Loan Amount 11 Action Taken Numeric 1 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 20

Data Field Number 12 Action Taken Date Type Numeric 13 Street Address Alphanumeric 14 City Alphanumeric 15 State 2 Alphanumeric 16 ZIP Code Alphanumeric 17 County Alphanumeric 18 Census Tract Alphanumeric Valid Values Descriptions and Examples Example: 20180721 Example: 456 W Somewhere Ave Apt 201 (or) NA Example: Anytown (or) NA Example: CA (or) NA Example: 90049-9998 (or) NA Example: 06037 (or) NA Example: 06037264000 (or) NA Action Taken Date Property Address Property Address Property Location & Property Address Property Address Property Location Property Location 2 Reporting of the State data field is subject to the requirements of both Property Address, provided in 1003.4(a)(9)(i), and Property Location, provided in 1003.4(a)(9)(ii). 21

Data Field Number Type Valid Values Descriptions and Examples 19 Ethnicity of Applicant or Borrower: 1 Numeric 1 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), but only provided ethnicity(ies) in the Ethnicity of Applicant or Borrower: Free Form Text Field for Other Hispanic or Latino, either leave this this data field blank or enter Code 14. Ethnicity 20 Ethnicity of Applicant or Borrower: 2 Numeric 1 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. Ethnicity 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. 22

Data Field Number Type Valid Values Descriptions and Examples 21 Ethnicity of Applicant or Borrower: 3 Numeric 1 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. Ethnicity 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. 22 Ethnicity of Applicant or Borrower: 4 Numeric 1 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. Ethnicity 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. 23

Data Field Number 23 24 Ethnicity of Applicant or Borrower: 5 Ethnicity of Applicant or Borrower: Free Form Text Field for Other Hispanic or Latino Type Numeric Alphanumeric; Width up to 100 characters Valid Values 1 11 12 13 14 2 Descriptions and Examples 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. Specify in text the Applicant s or Borrower s Other Hispanic or Latino ethnicity(ies) provided by the Applicant or Borrower. Otherwise, leave this data field blank. Ethnicity Ethnicity 24

Data Field Number Type Valid Values Descriptions and Examples 25 Ethnicity of Co-Applicant or Co- Borrower: 1 Numeric 1 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 26 Ethnicity of Co-Applicant or Co- Borrower: 2 Numeric 1 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 25

Data Field Number Type Valid Values Descriptions and Examples 27 Ethnicity of Co-Applicant or Co- Borrower: 3 Numeric 1 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 28 Ethnicity of Co-Applicant or Co- Borrower: 4 Numeric 1 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 26

Data Field Number Type Valid Values Descriptions and Examples 29 Ethnicity of Co-Applicant or Co- Borrower: 5 Numeric 1 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 30 Ethnicity of Co-Applicant or Co- Borrower: Free Form Text Field for Other Hispanic or Latino Alphanumeric; Width up to 100 characters Specify in text the Co-Applicant s or Co-Borrower s Other Hispanic or Latino ethnicity(ies) provided by the Co-Applicant or Co-Borrower. Otherwise, leave this data field blank. Ethnicity 31 Ethnicity of Applicant or Borrower Collected on the Basis of Visual Observation or Surname Numeric 1 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 27

Data Field Number 32 Ethnicity of Co-Applicant or Co- Borrower Collected on the Basis of Visual Observation or Surname Type Numeric Valid Values 1 2 3 4 Descriptions and Examples 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 28

Data Field Number 33 Race of Applicant or Borrower: 1 Type Numeric Valid Values 1 2 21 22 23 24 25 26 27 3 4 41 42 43 44 5 6 7 Descriptions and Examples 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 29

Data Field Number 34 Race of Applicant or Borrower: 2 Type Numeric Valid Values 1 2 21 22 23 24 25 26 27 3 4 41 42 43 44 5 Descriptions and Examples 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 30

Data Field Number 35 Race of Applicant or Borrower: 3 Type Numeric Valid Values 1 2 21 22 23 24 25 26 27 3 4 41 42 43 44 5 Descriptions and Examples 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 31

Data Field Number 36 Race of Applicant or Borrower: 4 Type Numeric Valid Values 1 2 21 22 23 24 25 26 27 3 4 41 42 43 44 5 Descriptions and Examples 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 32

Data Field Number 37 Race of Applicant or Borrower: 5 Type Numeric Valid Values 1 2 21 22 23 24 25 26 27 3 4 41 42 43 44 5 Descriptions and Examples 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 33

Data Field Number Type Valid Values Descriptions and Examples 38 Race of Applicant or Borrower: Free Form Text Field for American Indian or Alaska Native Enrolled or Principal Tribe Alphanumeric; Width up to 100 characters Specify in text the Applicant s or Borrower s American Indian or Alaska Native Enrolled or Principal Tribe if provided by the Applicant or Borrower. Otherwise, leave this data field blank. Race 39 Race of Applicant or Borrower: Free Form Text Field for Other Asian Alphanumeric; Width up to 100 characters Specify in text the Applicant s or Borrower s Other Asian race(s) provided by the Applicant or Borrower. Otherwise, leave this data field blank. Race 40 Race of Applicant or Borrower: Free Form Text Field for Other Pacific Islander Alphanumeric; Width up to 100 characters Specify in text the Applicant s or Borrower s Other Pacific Islander race(s) provided by the Applicant or Borrower. Otherwise, leave this data field blank. Race 34

Data Field Number 41 Race of Co- Applicant or Co-Borrower: 1 Type Numeric Valid Values 1 2 21 22 23 24 25 26 27 3 4 41 42 43 44 5 6 7 8 Descriptions and Examples 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 35

Data Field Number 42 Race of Co- Applicant or Co-Borrower: 2 Type Numeric Valid Values 1 2 21 22 23 24 25 26 27 3 4 41 42 43 44 5 Descriptions and Examples 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 36

Data Field Number 43 Race of Co- Applicant or Co-Borrower: 3 Type Numeric Valid Values 1 2 21 22 23 24 25 26 27 3 4 41 42 43 44 5 Descriptions and Examples 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 37

Data Field Number 44 Race of Co- Applicant or Co-Borrower: 4 Type Numeric Valid Values 1 2 21 22 23 24 25 26 27 3 4 41 42 43 44 5 Descriptions and Examples 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 38

Data Field Number 45 Race of Co- Applicant or Co-Borrower: 5 Type Numeric Valid Values 1 2 21 22 23 24 25 26 27 3 4 41 42 43 44 5 Descriptions and Examples 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 39

Data Field Number Type Valid Values Descriptions and Examples 46 Race of Co- Applicant or Co-Borrower: Free Form Text Field for American Indian or Alaska Native Enrolled or Principal Tribe Alphanumeric; Width up to 100 characters Specify in text the Co-Applicant s or Co-Borrower s American Indian or Alaska Native Enrolled or Principal Tribe if provided by the Co-Applicant or Co-Borrower. Otherwise, leave this data field blank. Race 47 Race of Co- Applicant or Co-Borrower: Free Form Text Field for Other Asian Alphanumeric; Width up to 100 characters Specify in text the Co-Applicant s or Co-Borrower s Other Asian race(s) provided by the Co-Applicant or Co- Borrower. Otherwise, leave this data field blank. Race 48 Race of Co- Applicant or Co-Borrower: Free Form Text Field for Other Pacific Islander Alphanumeric; Width up to 100 characters Specify in text the Co-Applicant s or Co-Borrower s Other Pacific Islander race(s) provided by the Co-Applicant or Co-Borrower. Otherwise, leave this data field blank. Race 49 Race of Applicant or Borrower Collected on the Basis of Visual Observation or Surname Numeric 1 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 50 Race of Co- Applicant or Co-Borrower Collected on the Basis of Visual Observation or Surname Numeric 1 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 40

Data Field Number Type Valid Values Descriptions and Examples 51 Sex of Applicant or Borrower Numeric 1 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 52 Sex of Co- Applicant or Co-Borrower Numeric 1 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 53 Sex of Applicant or Borrower Collected on the Basis of Visual Observation or Surname Numeric 1 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 54 Sex of Co- Applicant or Co-Borrower Collected on the Basis of Visual Observation or Surname Numeric 1 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 55 Age of Applicant or Borrower Numeric 8888 Example: 24 (or) Descriptions: 8888. Not applicable Age 41

Data Field Number Type Valid Values Descriptions and Examples 56 Age of Co- Applicant or Co-Borrower Numeric 8888 9999 Example: 24 (or) Descriptions: 8888. Not applicable 9999. No co-applicant Age 57 Income Alphanumeric Example: 36 (or) NA Income 58 Type of Purchaser Numeric 0 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 59 Rate Spread Alphanumeric Example: 0.428 (or) NA Rate Spread 60 HOEPA Status Numeric 1 2 3 Descriptions: 1. High-cost mortgage 2. Not a high-cost mortgage 3. Not applicable HOEPA Status 61 Lien Status Numeric 1 2 Descriptions: 1. Secured by a first lien 2. Secured by a subordinate lien Lien Status 62 Credit Score of Applicant or Borrower Numeric 7777 8888 Example: 650 (or) Descriptions: 7777. Credit score is not a number 8888. Not applicable Credit Score 42

Data Field Number Type Valid Values Descriptions and Examples 63 Credit Score of Co-Applicant or Co- Borrower Numeric 7777 8888 9999 Example: 650 (or) Descriptions: 7777. Credit score is not a number 8888. Not applicable 9999. No co-applicant Credit Score 64 Applicant or Borrower, and Version of Credit Scoring Model Numeric 1 2 3 4 5 6 7 8 9 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 65 Applicant or Borrower, and Version of Credit Scoring Model: Conditional Free Form Text Field for Code 8 Alphanumeric; Width up to 100 characters Specify in text the applicant s or borrower s Other credit scoring model if 8 is entered. Otherwise, leave this data field blank. Credit Score 66 Co-Applicant or Co- Borrower, and Version of Credit Scoring Model Numeric 1 2 3 4 5 6 7 8 9 10 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 43

Data Field Number Type Valid Values Descriptions and Examples 67 Co-Applicant or Co- Borrower, and Version of Credit Scoring Model: Conditional Free Form Text Field for Code 8 Alphanumeric; Width up to 100 characters Specify in text the co-applicant s or coborrower s Other credit scoring model if 8 is entered. Otherwise, leave this data field blank. Credit Score 68 Reason for Denial: 1 Numeric 1 2 3 4 5 6 7 8 9 10 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 69 Reason for Denial: 2 Numeric 1 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 Reason for Denial If this data field does not contain an entry, leave it blank 44

Data Field Number Type Valid Values Descriptions and Examples 70 Reason for Denial: 3 Numeric 1 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 Reason for Denial If this data field does not contain an entry, leave it blank 71 Reason for Denial: 4 Numeric 1 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 Reason for Denial If this data field does not contain an entry, leave it blank 72 Reason for Denial: Conditional Free Form Text Field for Code 9 Alphanumeric; Width up to 255 characters Specify in text the Other Denial Reason(s) if 9 is entered. Otherwise, leave this data field blank. Reason for Denial 73 Total Loan Costs Alphanumeric Example: 2399.04 (or) NA Total Loan Costs or Total Points and Fees 45

Data Field Number Type Valid Values Descriptions and Examples 74 Total Points and Fees Alphanumeric Example: 2399.04 (or) NA Total Loan Costs or Total Points and Fees 75 Origination Charges Alphanumeric Example: 2399.04 (or) NA Origination Charges 76 Discount Points Alphanumeric Example: 2399.04 (or) NA If no points were paid, leave this data field blank Discount Points Example: 1500.24 (or) NA 77 Lender Credits Alphanumeric Lender Credits If no lender credits were provided, leave this data field blank 78 Interest Rate Alphanumeric Example: 4.125 (or) NA Interest Rate 79 Prepayment Penalty Term Alphanumeric Example: 24 (or) NA Prepayment Penalty Term 80 Debt-to- Income Ratio Alphanumeric Example: 42.95 (or) NA Debt-to- Income Ratio 81 Combined Loan-to-Value Ratio Alphanumeric Example: 80.05 (or) NA Combined Loan-to-Value Ratio 82 Loan Term Alphanumeric Example: 360 (or) NA Loan Term 83 Introductory Rate Period Alphanumeric Example: 24 (or) NA Introductory Rate Period 84 Balloon Payment Numeric 1 2 Descriptions: 1. Balloon payment 2. No balloon payment Non- Amortizing Features 85 Interest-Only Payments Numeric 1 2 Descriptions: 1. Interest-only payments 2. No interest-only payments Non- Amortizing Features 86 Negative Amortization Numeric 1 2 Descriptions: 1. Negative amortization 2. No negative amortization Non- Amortizing Features 46