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RealEC-XML Data Dictionary RealEC-XML Integration

August 2021 v1.0

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RealEC-XML Data Dictionary, August 2021 Release 2021-08 v1.0 of 134

Data DictionaryThe following table contains enumerations and definitions for data fields used in RealEC-XML Files.

Data Field Data DefinitionAction Action Values

Constant DescriptionADD AddREMOVE Remove

ActionType Action ValuesConstant DescriptionDELETE DeleteINSERT InsertUPDATE Update

ActiveHighListPrice Highest list price for existing homes in neighborhoodActiveListingsNumber Number of active property listings in the neighborhood

Constant DescriptionNONE None1TO3 1 to 34ORMORE More than 4

ActiveLowListPrice Lowest list price for existing homes in neighborhoodAddressFormatType Designates how the address will be formatted.

Constant DescriptionForeign ForeignHighwaycontract Highway ContractLegalLotDescription Legal Lot DescriptionLine LineMilitary MilitaryPOBox PO BoxRuralRoute Rural RouteStreetAddress Street Address

AddressType Specifies the type of address

AddressUnitDesignatorType An additional address designation that further defines the delivery location.Constant DescriptionApartment ApartmentBasement BasementBuilding BuildingCondo CondoDepartment DepartmentFloor FrontHander KeyLobby LotLower Lower


Constant DescriptionCURRENT CurrentMAILING MailingOTHER OtherPRIMARY Primary

Data Field Data DefinitionConstant DescriptionOffice OfficeOther OtherPenthouse PenthousePier PierRear RearRoom RoomSide SideSpace SpaceStop StopSuite SuiteTrailer TrailerUnit Upper

AdditionalCost Extra cost associated with the amountAdditionalIncome/ Amount Amount of additional income for the primary applicant or co-applicant on a credit orderAdditionalIncome/ Frequency Frequency of additional income for the primary applicant or co-applicant on a credit order

Constant DescriptionDAY DailyMONTH MonthlyYEAR Yearly

AdditionalIncome/ Source Source of additional income for the primary applicant or co-applicant on a credit orderAdditionalProjectConsiderationsType

AdditionalProjectConsiderationsType (Cont.)

Constant DescriptionCondoHotel A condominium project that is operated as a hotel with

a registration desk, cleaning service and more. The units are individually owned. Unit owners also have the option to place their unit in the hotels rental program where it is rented out like any other hotel room.

OtherTimeshare An ownership model whereby many customers own

allotments of usage in the same property. The timeshare model can be applied to many different types of properties such as condominiums, homes, campgrounds, recreational vehicles and private jets.

ManufacturedCondominium

Identified manufactured home within a defined geographical location included within a condominium association.

AddlProductData/ DataName Name of additional data elementAddlProductData/ DataValue Value of additional data elementAddlSecurity/Type Type of Additional Security

Constant DescriptionCLIENT ClientSOURCE Source

Addr1 Line 1 of the address Addr2 Line 2 of the addressAdjustedValue Adjusted value of the propertyAdjustment/ Amount Amount of the adjustmentAdjustment/ Category Level or category description of adjustment, i.e. Superior, Equal, Inferior, Unknown


Data Field Data DefinitionAdjustment/ Type Type of adjustment reference in the comparison, i.e. Total Rooms, Bedrooms, Bathrooms, Location,

Landscaping, Design, Appeal, Age, Overall Condition, Pool or Spa, Sale Concession, OtherAgencyType Identifies Loan Type for Agency Case Number

Constant DescriptionFHAFMHAVA

AltTitleUpgradeEligibility Determines eligibility for upgrade to title productsConstant DescriptionYES Yes NO NoAUTO Auto

Amount Sum of currency on the loan, payment, income, etc.AnticipatedDocSigningMethod Anticipated Doc Signing Method

Constant DescriptionFACETOFACE Face to FaceMAILAWAY Mail-AwayNOTARY NotaryTRD TraditionalUND UndecidedWEBENBCLOSE Web Enabled Closing *Excludes usage of the RealEC-XML

WEC Workflow.WEC Web Enabled Closing.*Includes RealEC-XML WEC

Workflow.AppraisalAnalysisGradeGroupType

Constant DescriptionHighRisk High RiskLowRisk Low RiskMediumRisk Medium Risk

AppraisalAnalysisOverallRiskType

Constant DescriptionHighRisk HighRiskMediumRisk MediumRiskLowRisk LowRisk

AppraisalAnalysisRuleGradeType Constant DescriptionNotApplicable Not ApplicablePass PassFail Fail

AppraisalData/Subject/Purpose Constant DescriptionSALE SaleREFI RefinanceNA Not Applicable

AppraisalSummary/PropertyType Type of propertyConstant DescriptionAPT ApartmentBOATSLIP Boat SlipCOMM Commercial (Non-Residential)CONDO CondominiumCONDOTEL CondotelCOOP Co-op


Data Field Data DefinitionConstant DescriptionDUP 2-4 Unit PropertyFARM FarmMFR Multi Family ResidenceMOBILE Manufactured HomeSFR Single FamilyTOWN TownhouseVACANT Land

AppraisalName Constant DescriptionAPPRAISAL_1 Appraisal 1APPRAISAL_2 Appraisal 2APPRAISAL_3 Appraisal 3

AppraisalReviewStatusType Appraisal PurposeConstant DescriptionAppraisalCancelConfirmed The Review team has confirmed communication

of the Appraisal Cancellation. AppraisalCancelled The Related Appraisal Request was cancelled. Approved The Appraisal Review Team has completed the

Appraisal Review and approved the Appraisal for Distribution

InReview The Appraisal Review is in process.PendingAssignment The request is pending assignment to the

Appraisal Review team member.PendingReview The Appraisal Review has been assigned but

review has not started.RequestRevisions The Reviewer has requested revisions from the

Appraisal Provider.RevisionsReceived The requested revisions have been received from

the Appraisal Provider.WaitingOnAppraisalReport The completed Appraisal Report is not available.WaitingOnRevisions The Reviewer is waiting on the revisions by the

Appraisal Provider.AppraisalPurposeType Appraisal Purpose

Constant DescriptionFlipTransaction Flip TransactionMateriallyDeficientReplacement Materially Deficient ReplacementReInspection Re-InspectionOther Other used when an Appraisal Purpose is not

included in the enumerations.AppraisalType Type of appraisal for the property

Constant Description1004 Uniform Residential Appraisal Form1073 Individual Condominium Unit Appraisal Form2055 Desktop Underwriter Quantitative Analysis Appraisal FormREC RealEC-XML Standard 385


Data Field Data DefinitionAppraiserRequirementType Appraiser Requirement

Constant DescriptionNewAppraiser New AppraiserOriginalAppraiser Original Appraiser

OtherOther used when an Appraiser Requirement Type is not included in the enumerations.

AppraiserSpecialtyType Appraiser skill set required to perform appraisal for specified property.Constant DescriptionWaterFrontProperty Waterfront PropertyUniqueProperty Unique PropertyResortProperty Resort PropertyTribalProperty Tribal PropertyHighEndProperty High End PropertyComplyingPlan Complying Plan and SpecificationOther Other used when an Appraiser Specialty is not

included in the enumerations.AppraisedValue Value of the appraised propertyAppraiserLevel Level of Appraiser

Constant DescriptionLVLONE Level OneLVLTWO Level TwoLVLTHREE Level Three

ApprSourceData Appraiser Data SourceConstant DescriptionAGENT AgentBOARD BoardDEVELOPER DeveloperOTHER Other

AppurtenanceType Constant DescriptionBoatSlip A docking place for a boat.GarageSpace An enclosed space for keeping a car.Other To be used when a value is not in the enumerations.ParkingSpace A space where an automobile can be parked parking zone

space – an area reserved for some particular purposeStorageUnit A building or space in a building for put away belongings.

ArchitecturalDesignConfigurationType

ArchitecturalDesignConfigurationType

Constant DescriptionDuplex A building that contains two separate apartments.Fourplex A building that contains four separate apartments.Other OtherRowhouse Single-family attached residence separated from another

by party walls, usually on a narrow lot offering small front and back yards; Also called a townhouse.

Single A building that contains only one apartmentTriplex A building that contains three separate apartments.


Data Field Data DefinitionARMData/ IndexType ARM Index Type

Constant DescriptionEDCOF Eleventh District Cost of Funds ONEYR One Year Treasury THREEYR Three Year Treasury SIXMTH Six Month Treasury DCODR Daily Certificate of Deposit Rate FNM60 FNM60 Day Required Net Yield FNMLIBOR FNM_LIBOR FCOF Federal Cost of Funds FRE60 FRE60 Day Required Net Yield FRELIBOR FRE_LIBOR LIBOR LIBOR MACMT Monthly Average Constant Maturing Treasury NACRFHLBB National Average Contract Rate FHLBB NMMCOF National Monthly Median Cost of Funds OTHER Other TBDV Treasury Bill Daily Value WSJLIBOR Wall Street Journal LIBOR WACODR Weekly Average Certificate of Deposit Rate WACMT Weekly Average Constant Maturing Treasury WAPR Weekly Average Prime Rate WASMTBIY Weekly Average Secondary Market Treasury Bill Investment

Yield WATABDY Weekly Average Treasury Auction Average Bond Discount

Yield WATAAIY Weekly Average Treasury Auction Average Investment Yield

ARMMargin Fixed percentage that is added to the index at each adjustment period to determine the interest rate for an ARMARMTerm Term that an ARM loan is at a fixed rateAsIsPrice Suggested ‘as is’ information for the propertyAsIsPrice/Price Suggested ‘as is’ list price for the propertyAsIsPrice/Type Type of suggested ‘as is’ list price for the property

Constant DescriptionFHLMC Freddie Mac list priceFNMA Fannie Mae list priceOTHER Other type of list price

AssessedImprovementValue Assessed value of the improvements on the propertyAssessedLandValue Assessed value of the land without improvementsAssessedValue Total assessed value of improvements and the landAssessedYear Year of assessed valueAssessorsParcelIDType Constant Description

ASSESSORSUNFORMATTEDID Assessors Unformatted Identification NumberOTHER OtherPARCELIDNUMBER Parcel Identification NumberTAXMAPID Tax Map IdentificationTAXPARCELID Tax Parcel Identification NumberTORRENCERTID Torren Certification Identification


Data Field Data DefinitionAssignmentType(Appraisal 100)

Constant DescriptionNoRestriction No RestrictionsNotOnMasterServicerRestrictionList Not on Master Servicer Restriction ListMasterServicerApprovedList Master Servicer Approved ListMasterServicerApprovedListWithoutFieldReviewRequirement

Master Servicer Approved List Without Field Review Requirement

AuthorityApprovedList Authority Approved ListFHAAppraiserWithHQSCerification FHA Appraiser with HQS CertificationOther Other used when an Assignment Type is not

part of the Enumerations.Assignment/Type Type of Title Assignment

Constant DescriptionSUB SubordinateOTHER Other

AssignmentParameterPriorityType

AssignmentConditionType

Constant DescriptionClientSpecificOnly Apply only client parameter.Combined Apply all.MutuallyExclusive Apply only one.Override One-time instruction that trumps existing parameters.SequentiallyApplied Apply in order, master assignment parameters then

client-specific parameters.Other Other

AssignmentConditionType AssignmentConditionTypeConstant DescriptionAgriculture An Appraiser for an Agriculture propertyCertifiedAppraiser A Certified AppraiserCertifiedGeneral An Appraiser with General CertificationComplexProperties Complex PropertiesFHARoster An Appraisers list provided by HUD at HUD.govHistoricProperties An assignment to appraise Historic PropertiesNoTrainee An assignment to and Appraiser who is not a trainee

appraiserOther OtherPreApprovedByClient An Appraiser who has been pre-approved By ClientProfessionalDesignation An Appraiser with a Professional DesignationVAPanel VA Panel

AssociationAccount Homeowner’s Association account numberAssociationName Homeowner’s Association nameAssociationPhone Homeowner’s Association phone numberAttachmentType Description of Attachment

Constant DescriptionATTACH AttachDETACH DetachSEMIDETACHED Semi-Detached

Attorney Name of the attorney representing the case or partyAuthorityType Constant Description

AAR Annual Assessment Reserves


Data Field Data DefinitionConstant DescriptionBRGH BoroughCITY City TaxCOUNTY County TaxINDDIST Independent DistrictMISC Miscellaneous AssessmentsMUD MUD TaxOTHER Other TaxPROPERTY Property TaxSCHOOL School TaxTOWN Town TaxTOWNSHIP TownshipVLG VillageAnnualCityBondAuthorityTax Annual City Bond Authority TaxAnnualCountyBondAuthorityTax Annual County Bond Authority TaxAssessmentDistrictTax Assessment District TaxBondAuthorityTax Bond Authority TaxCentralAppraisalTaxingAuthorityTax Central Appraisal Taxing Authority

TaxCentralCollectionTaxingAuthorityTax Central Collection Taxing Authority

TaxCityAndSchoolTax City and School TaxCombinationCollectionTax Combination Collection TaxCountyCollectedByOtherTaxingAuthorityTax

County Collected by Other Taxing Authority Tax

FireOrPoliceTax Fire or Police TaxHomeownersAssociationTax Homeowners Association TaxHospitalsTax Hospitals TaxJuniorCollegesTax Junior Colleges TaxMobileHomeAuthorityTax Mobile Home Authority TaxMunicipalServicesTax Municipal Services TaxMunicipalityTax Municipality TaxReclamationDistrictTax Reclamation District TaxRoadsOrBridgesTax Roads or Bridges TaxSanitationTax Sanitation TaxSemiannualCityBondAuthorityTax Semiannual City Bond Authority TaxSemiannualCountyBondAuthorityTax Semiannual County Bond Authority

TaxSpecialApplicationsTax Special Applications TaxSpecialDistrictTax Special District TaxStateAndCountyTax State and County TaxStateTaxingAuthorityTax State Taxing Authority TaxTownshipAndCountyTax Township and County TaxUnsecuredCountyTaxes Unsecured County TaxesWaterControlTax Water Control TaxWaterOrSewerDistrictTax Water or Sewer District Tax

AvgMarketTime Average time to sell a home in neighborhood


Data Field Data DefinitionAvgMarketTimeUnit Unit of time used to measure average market time

Constant DescriptionMTH MonthsDAY Days

BankruptcyIndicator Indicates if bankruptcyBaseAmount Base amount of the TaxBaseFloodElevation Base Flood Elevation Basement Indicates if a basement exists at the propertyBasementAreaType Type of Basement

Constant DescriptionFULL FullNONE NonePARTIAL Partial

BasisType Residency Basis TypeConstant DescriptionRENTFREE Rent FreeOWN OwnRENT RentUNKNOWN Unknown

Bathrooms Number of bathrooms at the propertyBedrooms Number of bedrooms at the propertyBestComparable Indicates the best/closest comparable propertyBillNumber Tracking number or value indicated on the bill or invoiceBlock Block of the propertyBook Number of the Ledger where recorded document is registered with the County.Borrower/Citizenship Borrower Citizenship classifications

Constant DescriptionPERMRES Permanent ResidentNONPERMRES Non-Permanent ResidentUNKNOWN UnknownUSCITIZEN US CitizenUSCITIZENNR US Citizen Non-Resident

BorrowerAssets/AssetType Borrower Asset Type*Total All Assets for Borrower as Asset Type = “OTHERLIQ”

Constant DescriptionAUTOMOBILE AutomobileBOND BondBORROWERESTIMATEDTOTALASSETS

Borrower Estimated Total Assets

BRIDGELOANNOTDEPOSITED Bridge Loan Not DepositedCASHONHAND Cash on HandCERTIFICATEOFDEPOSITTIMEDEPOSIT

Certificate of Deposit Time Deposit

CHECKINGACCOUNT Checking AccountEARNESTMONEYCASHDEPOSITTOWARDPURCHASE

Earnest Money Cash Deposit toward Purchase

GIFTSNOTDEPOSITED Gifts Not Deposited


Data Field Data DefinitionConstant DescriptionGIFTSTOTAL Gift TotalGRANTSNOTDEPOSITED Grants Not Deposited.

LIFEINSURANCE Life Insurance

MONEYMARKETFUND Money Market Fund

MUTUALFUND Mutual FundNETWORTHOFBUSINESSOWNED Net Worth of Business Owned OTHERLIQ Other Liquid AssetsOTHERLIQUIDASSETS Other Liquid Assets

OTHERNONLIQUIDASSETS Other Non-Liquid AssetsPENDINGNETSALEPROCEEDSFROMREALESTATEASSETS

Pending Net Sale Proceeds from Real Estate Assets

REALESTATEOWNED Real Estate OwnedRELOCATIONMONEY Relocation MoneyRETIREMENTFUND Retirement FundSALEOTHERASSETS Sale Other AssetsSAVINGSACCOUNT Savings AccountSECUREDBORROWERDFUNDSNOTDEPOSITED

Secured Borrowed Funds Not Deposited

STOCK StockTRUSTACCOUNT Trust Account

BorrowerRelationshipTitleType Constant DescriptionAhusbandAndWife Husband and WifeAmarriedMan Married ManAmarriedPerson Married PersonAmarriedWoman Married WomanAnUnmarriedMan Unmarried ManAnUnmarriedPerson Unmarried PersonAnUnmarriedWoman Unmarried WomanAsingleMan Single ManAsinglePerson Single PersonAsingleWoman Single WomanAwidow WidowAwidower WidowerAwifeAndHusband Wife and HusbandHerHusband Her HusbandHisWife His WifeNotApplicable Not ApplicableOther OtherTwoIndividualsInADomesticPartnerShip

Two Individuals in a Domestic Partnership

TwoIndividualsInACivilUnion Two Individuals in a Civil UnionHerSpouse Her SpouseHisSpouse His Spouse


Data Field Data DefinitionBorrowerResidencyType Indicate if the address is the borrowers Current or Previous residency.

BranchReqtDelivery Delivery of product informationConstant DescriptionEMAIL EmailREALEC RealECPRINT2LSER Print to LaserOVERNIGHT OvernightUSPS Regular Mail

BranchReqtPkg Product information package includesConstant DescriptionALL ALLLATEREMAIL Rest will come in later email

Borrower ResidencyType Constant DescriptionCURRENT CurrentPREVIOUS Previous

Brief Brief of the propertyCarStoreAssignedOwned Car Storage Ownership Type

Constant Description ASSIGN AssignedOWNED Owned

CarStorageAttachmentType Type of Car Storage AttachmentConstant Description

Attached

A building or structure otherwise complete in itself, which depends for structural support or complete enclosure, upon a division wall or walls shared in common with an adjacent building or structure.

BuiltIn

A built-in garage is contained within the structure’s footprint, and typically has living area over it that is accessible from within the main structure

Detached

A building or structure which is physically separated and not dependent on any other building or structure for structural support or enclosure

CarStoreGarageType Type of GarageConstant Description ATTACH AttachDETACH DetachBUILTIN Built In

CarStorageType Type of Car StorageConstant Description

Carport

A covered structure used to offer limited protection to vehicles, primarily cars, from rain and snow. The structure can either be free standing or attached to a wall.

Covered An outdoor area with a roof used to offer limited protection to vehicles, primarily cars, from rain and snow. This is similar to a


Constant DescriptionCURRENT CurrentPREVIOUS Previous

Data Field Data Definitioncarport.

Driveway A short road leading from a public road to a house or garage.Garage A building or indoor area for parking or storing motor vehicles.

OffStreetSpaces for cars located on private property rather than on a public street.

Open

A mixed-use parking project is any building that blends a combination of residential, office, retail, cultural, or institutional uses with parking in which those functions are physically and functionally integrated.

Other To be used when a value is not in the enumerations.CarStoreType Type of Car Storage used

Constant Description GARAGE GarageCARPORT CarportNONE None

CaseNumber Tracking number to identify the caseCashOut Indicates whether the purpose of a refinance for cash outCashOutAmount Amount of cash out from a refinance loan transactionCBRA Indicates if Community is in Coastal Barrier Resources AreaCBRADate Date of CBRA designationCellPhone Cellular phone number CensusTract Census tract numberCentralAC Indicates if the property has central air conditioningCertificateNumber Number or reference value on the certificateCity City of the address CityTaxAmount Amount of taxes due to the cityCityTaxStatus Current status of city taxes

Constant DescriptionPD PaidUNPD Unpaid

CityTaxStatus Current status of tax payments to the cityClosingType Constant Description

ONLINE On-LineTRADITIONAL Traditional

CoApplicant/ Reference Social security number of the co-applicant on a credit order used to reference information in the Party block of the RealEC-XML File.

Comment Additional information or explanation regarding the associated record or dataCommunityName NFIP Community NameCommunityNumber NFIP Community NumberCompanyIndustry IDK Code Description

LENDING LendingHUMANRESOURCES Human ResourcesINSURANCE Insurance

CompanyType Type of CompanyIDK Code DescriptionCORP CorporationEST Estate


Data Field Data DefinitionPART General PartnershipLMTD Limited PartnershipTRUST Trust

ComplianceType Type of ComplianceConstant DescriptionILLEGAL IllegalLEGAL LegalLEGALNONCONFORMING Legal Non-ConformingNO ZONING No Zoning

ConditionOfAppraisalConstant Description ASIS As IsCOMPL CompletedREPAIRS Repairs NeededINSPECT Inspected

ConditionRatingType Constant Description Average The usual or ordinary kind of rating.Excellent A superior rating.Fair A sufficient but not ample rating.Good A satisfactory rating containing a faint praise.Poor An inferior rating, less than adequate.

ConstructionMaterialType Constant Description FRAME FrameMAS MasonryMASVEN Masonry VeneerMIX MixNA Not ApplicableOTHER OtherUNK Unknown

ConstructionMethodType The Construction MethodConstant Description MANUFACTURED ManufacturedMODULAR ModularMOBILEHOME Mobile HomeSITEBUILT Site builtONFRAMEMODULAR On Frame ModularOTHER Other


Data Field Data DefinitionConstructionStatusType Construction Status

Constant Description Complete CompleteExisting ExistingIncomplete IncompleteProposed ProposedSubjectToAlteration Subject to AlterationSubjecttoAlterationImprovement Subject to Alteration ImprovementSubstantiallyRehabilited Substantially RehabilitedUnderConstruction Under ConstructionOther Other used when a construction

status is not available in the enumeration.

ConstructionToPerm Indicates if construction to perm financing is neededConstructionType Type of materials used for construction of the structure

Constant DescriptionADOBE AdobeBRICK BrickCONCRETE ConcreteCONCRETEBLCK Concrete BlockDOME DomeFRAME FrameHEAVY HeavyLIGHT LightLOG LogMANUF ManufacturedMASON MasonryMETAL MetalOTHER OtherSTEEL SteelSTONE StoneTILTUP Tilt-up (pre-cast concrete)WOOD Wood

ContactMethod Type of Contact MethodConstant DescriptionEMAIL EmailFAX FaxMAIL MailPHONE PhoneOTHER Other

ContactPointEmailValue The email address for the contact.ContactPointRoleType Contact Point

Constant DescriptionHome HomeMobile MobileOther OtherWork Work

ContactPointTelephoneExtensionValue

The extension associated with the specified telephone number.


Data Field Data DefinitionContactPointTelephoneValue The telephone number for the contact.ContactType Contact Type

Constant DescriptionIndividual Identifies that the Contact and all related information is

about an individual at the legal entity.Organization Identifies that the Contact and all related information is

about an organization within the legal entity, including the general contact information for the legal entity.

Content Content of the documentConveyanceFee Amount of title transfer feeCoolType Type of Cooling system used

Constant DescriptionCENTRAL CentralINDV IndividualOTHER Other

CorrectionsResponsibleParty Constant DescriptionALLPARTIES All PartiesBORROWER BorrowerPROVIDER Provider

CostApprEstType Type of Appraisal EstimateConstant Description REPROD ReproductionREPLC Replacement Cost

CounselingCenterSortType Sort order for Homeownership Counseling Locator Constant Description Distance Distance from requested zip to Center. Descending Descending by Center NameAscending Ascending by Center Name

Count Number of child nodes for the current node (block)CountryCode 2-Character Alpha representation of the Country Code

AD AndorraAE United Arab EmiratesAF AfghanistanAG Antigua and BarbudaAI AnguillaAL AlbaniaAM ArmeniaAO AngolaAQ AntarcticaAR ArgentinaAS American SamoaAT AustriaAU AustraliaAW ArubaAX Aland Islands !Åland IslandsAZ Azerbaijan


Data Field Data Definition

CountryCode (Cont.)

AD AndorraBA Bosnia and HerzegovinaBB BarbadosBD BangladeshBE BelgiumBF Burkina FasoBG BulgariaBH BahrainBI BurundiBJ BeninBL Saint BarthélemyBM BermudaBN Brunei DarussalamBO Bolivia, Plurinational State ofBQ Bonaire, Saint Eustatius and SabaBR BrazilBS BahamasBT BhutanBV Bouvet IslandBW BotswanaBY BelarusBZ BelizeCA CanadaCC Cocos (Keeling) IslandsCD Congo, the Democratic Republic of theCF Central African RepublicCG CongoCH SwitzerlandCI Cote d’Ivoire !Côte d’IvoireCK Cook IslandsCL ChileCM CameroonCN ChinaCO ColombiaCR Costa RicaCU CubaCV Cabo VerdeCW CuraçaoCX Christmas IslandCY CyprusCZ Czech RepublicDE GermanyDJ DjiboutiDK Denmark



CountryCode (Cont.)

AD AndorraDM DominicaDO Dominican RepublicDZ AlgeriaEC EcuadorEE EstoniaEG EgyptEH Western SaharaER EritreaES SpainET EthiopiaFI FinlandFJ FijiFK Falkland Islands (Malvinas)FM Micronesia, Federated States ofFO Faroe IslandsFR FranceGA GabonGB United Kingdom of Great Britain and Northern IrelandGD GrenadaGE GeorgiaGF French GuianaGG GuernseyGH GhanaGI GibraltarGL GreenlandGM GambiaGN GuineaGP GuadeloupeGQ Equatorial GuineaGR GreeceGS South Georgia and the South Sandwich IslandsGT GuatemalaGU GuamGW Guinea-BissauGY GuyanaHK Hong KongHM Heard Island and McDonald IslandsHN HondurasHR CroatiaHT HaitiHU HungaryID IndonesiaIE Ireland



CountryCode (Cont.)

AD AndorraIL IsraelIM Isle of ManIN IndiaIO British Indian Ocean TerritoryIQ IraqIR Iran, Islamic Republic ofIS IcelandIT ItalyJE JerseyJM JamaicaJO JordanJP JapanKE KenyaKG KyrgyzstanKH CambodiaKI KiribatiKM ComorosKN Saint Kitts and NevisKP Korea, Democratic People’s Republic ofKR Korea, Republic ofKW KuwaitKY Cayman IslandsKZ KazakhstanLA Lao People’s Democratic RepublicLB LebanonLC Saint LuciaLI LiechtensteinLK Sri LankaLR LiberiaLS LesothoLT LithuaniaLU LuxembourgLV LatviaLY LibyaMA MoroccoMC MonacoMD Moldova, Republic ofME MontenegroMF Saint Martin (French part)MG MadagascarMH Marshall IslandsMK Macedonia, the former Yugoslav Republic ofML Mali



CountryCode (Cont.)

AD AndorraMM MyanmarMN MongoliaMO MacaoMP Northern Mariana IslandsMQ MartiniqueMR MauritaniaMS MontserratMT MaltaMU MauritiusMV MaldivesMW MalawiMX MexicoMY MalaysiaMZ MozambiqueNA NamibiaNC New CaledoniaNE NigerNF Norfolk IslandNG NigeriaNI NicaraguaNL NetherlandsNO NorwayNP NepalNR NauruNU NiueNZ New ZealandOM OmanPA PanamaPE PeruPF French PolynesiaPG Papua New GuineaPH PhilippinesPK PakistanPL PolandPM Saint Pierre and MiquelonPN PitcairnPR Puerto RicoPS Palestine, State ofPT PortugalPW PalauPY ParaguayQA QatarRE Reunion !Réunion



CountryCode (Cont.)

AD AndorraRO RomaniaRS SerbiaRU Russian FederationRW RwandaSA Saudi ArabiaSB Solomon IslandsSC SeychellesSD SudanSE SwedenSG SingaporeSH Saint Helena, Ascension and Tristan da CunhaSI SloveniaSJ Svalbard and Jan MayenSK SlovakiaSL Sierra LeoneSM San MarinoSN SenegalSO SomaliaSR SurinameSS South SudanST Sao Tome and PrincipeSV El SalvadorSX Saint Maarten (Dutch part)SY Syrian Arab RepublicSZ SwazilandTC Turks and Caicos IslandsTD ChadTF French Southern TerritoriesTG TogoTH ThailandTJ TajikistanTK TokelauTL Timor-LesteTM TurkmenistanTN TunisiaTO TongaTR TurkeyTT Trinidad and TobagoTV TuvaluTW Taiwan, Province of ChinaTZ Tanzania, United Republic ofUA UkraineUG Uganda


Data Field Data DefinitionAD AndorraUM United States Minor Outlying IslandsUS United States of AmericaUY UruguayUZ UzbekistanVA Holy SeeVC Saint Vincent and the GrenadinesVE Venezuela, Bolivarian Republic ofVG Virgin Islands, BritishVI Virgin Islands, U.S.VN Viet NamVU VanuatuWF Wallis and FutunaWS SamoaYE YemenYT MayotteZA South AfricaZM ZambiaZW Zimbabwe

CountyFIPS County FIPS codeCountyName County NameCountyTaxAmount Amount of taxes due to the countyCountyTaxStatus Current status of county taxes


CountyTaxStatus Current status of tax payments to the countyCoversMultipleProperties Indicates if multiple properties are includedCrawlSpace Indicates if crawl space is available under the building at the propertyCreditCardHolderType Identifies the role of the Credit Card

Constant DescriptionBROKER BrokerBORROWER BorrowerLENDER LenderOTHER Other

CreditLimit Limit of credit available for the loan, mortgage, etc.CreditScore/ ModelNameType Credit Score Model Type

Constant DescriptionEQB Equifax BeaconEQBAUTO Equifax Beacon AutoEQBBC Equifax Beacon BankcardEQBINSTALL Equifax Beacon InstallmentEQBPFIN Equifax Beacon Personal FinanceEQB5 EquifaxBeacon5.0EQBAUTO5 EquifaxBeacon5.0AutoEQBBC5 EquifaxBeacon5.0Bankcard


Data Field Data DefinitionEQBINSTALL5 EquifaxBeacon5.0InstallmentEQBPFIN5 EquifaxBeacon5.0PersonalFinanceEQBDAS Equifax DASEQENHB Equifax Enhanced BeaconEQENHBDAS Equifax Enhanced DASEQMM Equifax Market MaxEQMSCORE Equifax Mortgage ScoreEQPIN Equifax PinnacleEQPIN2 EquifaxPinnacle2.0EXPFAIR Experian Fair IsaacEXPFAIRADV Experian Fair Isaac AdvancedEXPFAIRAUTO Experian Fair Isaac AutoEXPFAIRBC Experian Fair Isaac BankcardEXPFAIRINSTALL Experian Fair Isaac InstallmentEXPFAIRPERFIN Experian Fair Isaac Personal FinanceEXPMDS Experian MDS Bankruptcy IIEXPNNEQUIV Experian New National EquivalencyEXPNNRISK Experian New National RiskEXPONRISK Experian Old National RiskNONTRAD Non-TraditionalOTHER OtherTUDELPHI Trans Union DelphiTUEMP Trans Union EmpiricaTUEMPAUTO Trans Union Empirica AutoTUEMPBC Trans Union Empirica BankcardTUEMPINSTALL TransUnion Empirica InstallmentTUEMPPERFIN Trans Union Empirica Personal FinanceTUNEWDELHPI Trans Union New DelphiTUPRECISION Trans Union Precision

CreditScoreInfo/Type Type of credit score informationConstant DescriptionINDIVIDUAL IndividualJOINT Joint

CRMInd Credit Risk Management Indicator ConstructionToPerm Indicates if the financing is a construction to permCurativeAction The appropriate action to manage the Curative item

Constant DescriptionPAYOFF PayoffPAYDOWN PaydownSUBD SubordinateRELEASE Release

CurativeReason/Type Constant DescriptionPre-Closing Pre-ClosingAt Closing At ClosingPost-Closing Post-Closing

DataFileDate Date the data file is createdDataFilePassword Password to access the data fileDataFileUserID User ID to access the data file


Data Field Data DefinitionDateSensitiveDocs Indicates if the Documents are date sensitiveDayPhone Day phone number DaysOnMarket Number of days the property is/was on the marketDeclarations/HomeownerPastThreeYrsType

Borrower First Time Homebuyer TypeConstant DescriptionYES Yes NO No UNKN Unknown

Declarations/IntentToOccupyType Borrower’s Intent to Occupy the Subject Property TypeConstant DescriptionYES Yes NO No UNKN Unknown

DecliningMarketIndicator Declining Market ValuesConstant DescriptionYES Yes NO NoUNSPEC Unspecified

Description Explanation with additional detailDetachedBuilding Indicates if a detached building exists on the propertyDeterminationDate Date flood determination is preparedDevelopment Description of the property developmentDirection1 Direction 1 of the situs information of the property

Constant DescriptionE EastN NorthNE NortheastNW NorthwestS SouthSE SoutheastSW SouthwestW West

Direction2 Direction 2 of the situs information of the propertyConstant DescriptionE EastN NorthNE NortheastNW NorthwestS SouthSE SoutheastSW SouthwestW West

DispositionStatusType Constant DescriptionPENDINGSALE Pending SaleRETAINFORPRIMORSECRESIDNET Retain for PrimaryRETAINFORRENTAL Retain for RentalSOLD Sold

DOB Date of birth


Data Field Data DefinitionDocDate Date and time of the document (set by document sender)DocDeliveryDate Delivery date of the documentsDocketNumber Tracking number to identify the case on the docketDocPassword Password for access to the documentDocsDeliveredTo Documents Delivered to this location DocStatus Type of DocStatus

Constant DescriptionDRAFT DraftFINAL Final

DocType

DocType (Cont)

Type/Description of attached DocumentAppraisalConstant Description203KconsultantReport 203K Consultant ReportACIAPPRAISAL ACI Appraisal FormatADDEND AddendumADDSCHED Additional ScheduleAPPRAISAL385 Appraisal 385AppraisalAppeal The documentation submitted for a

formal protest against the appraised value of a property.

APPRAISALREVIEWREPORT Appraisal Review ReportAPPRAISALPDF Appraisal PDF

APPRAISALQUESTIONNAIRE Appraisal Questionnaire

AIREADYAPPRAISAL AI Ready AppraisalApprovalLetter Describes the loan approval status and

any associated conditions to the borrower. AKA: Notice of Loan Approval, NOLA, Commitment Letter, Conditional Approval, and Conditional Commitment.

AssumptionAgreement Establishes that the buyer will assume responsibility for the obligations of a mortgage from the builder or original owner.

AttorneyInFactAffidavit Confirms that a person is under a Power of Attorney and warrants specifics facts about the person such as: POA has not been revoked, principle has not died, and no divorce action has been commenced if spouse of the principle, a guardian or conservator has not been appointed for the Principle.

AVR Automated Valuation ReportBid BidBRKPRICEOP Broker Price OpinionBuildersCertification:BuildersCertificate

Describes the warranty that the property is constructed in substantial conformity with the plans and specifications of the seller or builder. May apply to HUD Form 92541

BuildingPermit Authorizes the builder to build on the property. Provided by local municipal



DocType (Cont)

authority.ConditionalCommitment Establishes the property value and

describes repair conditions. Provided by Underwriter. This is only related to appraisal and property.

CondominiumOccupancyCertificate

Confirms the percentage of a Condominium (Condo) Association or phase is currently occupied.

ConstructionChangeOrder Construction Change OrderConstructionLoanManagementReport

Construction Loan Management Report

ConstructionCostBreakdown:Rehabilitation

Describes in detail the construction costs associated with the work to be conducted in the rehabilitation of a property.

DESKREVW Desk ReviewDISASTERAPPRAISALREPORT Disaster Appraisal ReportDRRPT Drive-By ReportDBRRPTINT Drive-By Report – InteriorEADSubmissionSummaryReport FHA EAD Submission Summary

ReportECR Electronic Collateral ReviewEscrowForCompletionAgreement Establishes work to be completed on a

property and the terms under which the funds for the work will be released. AKA: Holdback, Work Escrow Agreement.

EXTERIORAPPRAISALREPORT Exterior Appraisal ReportFIELDRVW Field ReviewFINALINSP Final InspectionFinancialStatement:Income Describes financial performance of a

business or individual income.FULLFHA Full – FHAFULLURAR Full URARHomeownersAssociationCertification

Confirms the property meets HUD requirements. Provided by the Condominium Association. AKA: Condominium Association Certification, HOA Certification, and PUD Certification.

HOMEOWNERSHIPCOUNSELINGNOTICE Homeownership Counseling NoticeInvoice Provides bill which itemizes nature and

cost of transactions. AKA: Bill.Invoice:UtilityBill Provides utility bill which itemizes

nature and cost of transactions. LandLeaseholdAgreement Establishes the interest in land of a

person who owns the lease granted by the property owner.

MISMOGSE26 MISMO GSE 2.6MISMO23 Identifies that the XML document

represents a MISMO 2.3 Version XML document.

MISMO30 MISMO 3.0


Data Field Data DefinitionMISMO31 MISMO 3.1MISMO26 MISMO 2.6MISMO33 MISMO 3.3 fileMLSListing A listing of properties for sale provided

by a multiple listing service (MLS) made up of a group of cooperating real estate brokers.

ORIG1004 Original 1004OTHER OtherPAYLOAD Pay LoadPLANSANDSPEC Plans and SpecificationsPowerOfAttorney:Durable Authorizes one person to act as agent

or attorney on behalf of another person for medical care and finances in the case that the person ever becomes mentally incapacitated.

PowerOfAttorney:ManufacturedHousing

Authorizes one person to act as agent or attorney on behalf of another person for the listed manufactured housing.

PREVALFAILUREREPORT Pre-validation Failure ReportPropertyInspectionReport Describes the condition of the subject

property, or any of a variety of building systems or interior or exterior elements of the structure, or aspects of the surrounding property (such as water or soil).

PropertyInsuranceBinder:Hazard Establishes a commitment to issue property insurance for any hazard pending payment.

PropertyInsuranceBinder:Wind Establishes a commitment to issue property insurance for wind pending payment.

PropertyInsurancePolicy:Flood Establishes the terms and conditions of the contract for flood insurance covering the subject property.

PURCHAGREE Purchase AgreementQIDATAAGGREGAGE Qi Aggregate DataRECERT RecertificationRentalIncomeAnalysisStatement Evaluates the rental potential of a

property and establishes its value. AKA: Operating Income Statement, FHLMC 998, FNMA 216, One to Four Family Investment Property and Two to Four Owner Occupied Property.

SatisfactionOfJudgment Confirms that a judgment filed against a property has been released. Provided by a legal authority. AKA: Acknowledgement of Satisfaction of Judgment.

SERVINV Service InvoiceSupplementalCollateralReviewDocument

Proprietary appraisal review reports offered by FNC outside the GAAR report.

Survey Describes encroachments on mortgaged


Data Field Data Definitionproperty. AKA: Improvement Location Certificate, Mortgage Survey.

TAXASSVALUE Tax Assessed ValueTaxLienRelease Releases a tax lien against a property,

person, or entity. AKA: Satisfaction of Taxes.

UCDPFAILUREREPORT UCDP Failure ReportUCDPSUBMISSIONSUMMARYREPORT UCDP Submissions Summary ReportValuationUpdate Details an update or correction to an

appraisal report. AKA: Appraisal Update.

Appraisal ReviewConstant DescriptionAppraisalReport A report produced by an appropriately

qualified, competent and independent appraiser in accordance with USPAP and in which the scope of work includes the development of a value conclusion.

AppraisalReview:ScoreResult Score results from an Appraisal Scoring Company that provides risk scoring information on an appraisal that had been submitted for evaluation.

PropertyDataCollectionReport A report that documents the pertinent characteristics about a property collected by an individual using a software tool which guides them through the process.

PropertyDataCollectionReport:FannieMae

A report that documents the pertinent characteristics about a property collected by an individual using a software tool which guides them through the process, for the purpose of submitting to Fannie Mae.

Automated ValuationConstant DescriptionAVR Automated Valuation ReportSERVINV Service Invoice

ClosingConstant DescriptionBOAPAYOFF BofA – Payoff StatementClosingDisclosure Closing DisclosureClosingPackage A document that is a package

containing multiple supporting closing documents provided at the end of the closing process.

CLSINST Closing InstructionsCLSTMT Closing Statements


Data Field Data DefinitionCOMCLSTMT Commercial Closing StatementsPOSTCLSDOC Critical Post-Closing Documents DEATHCERT Death Certificate DFCDOC DFC Document DISBURSELDGR Disbursement Ledger DIVCDECR Divorce Decree ECP Executed Closing PackageECPPIGGYBACK Executed Closing Package –

PiggybackEXECPROCESSDISCLOSURE

Executed Processing Disclosure

FINALTITLECMT Final – Title CommitmentFINALTITLERPT Final – Title ReportFUNDINGTRANSMITTAL Funding TransmittalGFE Good Faith EstimateHOMEINSCERT Homeowners Insurance CertificateHUD1 HUD1 (Final)HUD1A HUD1A (Final)HUD1PRE HUD1 (Preliminary) HUD1APRE HUD1A (Preliminary) POSTFUNDINGHUD Post Funding HUDLOANAPPLICATION Loan ApplicationLoanEstimate Loan EstimateLOANMODAGREE Loan Modification AgreementLPOA Limited Power of Attorney (LPOA)MARRIAGECERTIFICATE Marriage CertificateMANDDISRPT Mandatory Disclosure Report (MDR)MDREIR Combined MNOTE NotePAYOFF PayOffPAYOFFDMD Payoff DemandPURCHAGREE Purchase AgreementRECORDEDMORTGAGE Recorded MortgageSECURITYINSTRUMENT Security InstrumentSECURITYINSTRUMENTMOD

Security Instrument Mod

SECURITYINSTRUMENTRIDER

Security Instrument Rider

SERCURITYINSTRUMENTSecurity Instrument (Value Deprecated)

SERCURITYINSTRUMENTMOD

Security Instrument Mod (Value Deprecated)

SERCURITYINSTRUMENTRIDER

Security Instrument Rider (Value Deprecated)

SERVINV Service InvoiceSETTLSTMT Settlement StatementsSUBAGRMT Subordination AgreementTILDISCLOSURE Truth-In-Lending DisclosureTAXDOC Tax DocumentTRAILDOCS Trailing DocumentsValidationReport Document contains the failure report

from validating a given XML file


Data Field Data Definitionwith respect to a known schema.

WILL Will

Consolidated Close WorkflowConstant DescriptionDocumentPackageAudit A document that has the result of the Audit

performed on the Document(s) required to execute a Loan Closing/Settlement

ClosingDisclosure Closing Disclosure

Consumer CreditConstant Description2BIRMCR 2-Bureau infile+RMCR3BRMCR 3-Bureau+RMCRCRDRPT Credit ReportRMCR 2-Bureau RMCRSERVINV Service InvoiceSINGLEINFILE Single in File3FILEMRG Three in File Merge2FILERPT Two in File Merge

Doc SigningConstant DescriptionBOAPAYOFF BofA – Payoff StatementCLSTMT Closing StatementsEXECPROCESSDISCLOSURE Executed Processing DisclosureHUD1 HUD1 (Final)HUD1A HUD1A (Final)HUD1PRE HUD1 (Preliminary) HUD1APRE HUD1A (Preliminary) LOANMODAGREE Loan Modification AgreementSERVINV Service InvoiceTRAILDOCS Trailing Documents

FloodConstant DescriptionBASIC Basic CertificateEXECPROCESSDISCLOSURE Executed Processing DisclosureLIFELOANCERT Life of Loan CertificateSERVINV Service Invoice

Good Faith EstimateConstant DescriptionEXECPROCESSDISCLOSURE Executed Processing DisclosureSRVCPROVLIST Service Provider ListCOMPLIANCECERTIFICATE Compliance Certificate

Loan Quality AnalyticsConstant DescriptionAPRIORIRESULTS Apriori Results


Data Field Data DefinitionFOREIGNDOCUMENTUPLOAD

Foreign Document Upload (PC 698) requires this value

MISMO30 ULDD Upload (PC 698) requires this valueMISMO32 MISMO 3.2MISMO33 MISMO 3.3QIDATAAGGREGATE QI Aggregate Data

Mortgage InsuranceConstant DescriptionDENIAL Denial LetterEXECPROCESSDISCLOSURE

Executed Processing Disclosure

LOANAPPLICATION Loan ApplicationMICERTIFICATE MI CertificateSERVINV Service Invoice

REC Batch 2.0Constant DescriptionRECBATCH20 REC Batch 2.0RECBATCH20ZIPDOC REC Batch 2.0 Zipped Document

TitleConstant DescriptionBOAPAYOFF BofA – Payoff StatementBORRAUTH Borrower Authorization CLOSINGPROTECTIONLETTER Closing Protection LetterCLEARTOCLOSE Clear to CloseCLSTMT Closing StatementsCURATIVE Curative Documentation DEEDOFTRUST Deed of TrustEQUITYPOLICY Equity PolicyEXECPROCESSDISCLOSURE Executed Processing DisclosureFEESHT Fee Sheet FPOL Final PolicyFORECLOSESRCH Foreclosure Search / ReportHUD1 HUD1 (Final)HUD1A HUD1A (Final)HUD1PRE HUD1 (Preliminary) HUD1APRE HUD1A (Preliminary) LASTDEED Last Deed of RecordLENDPOLICY Lenders PolicyLGLDESC Legal DescriptionLIFELOANCERT Life of Loan CertificateLCP Limited Coverage PolicyLOANAPPLICATION Loan ApplicationLOANMODAGREE Loan Modification AgreementMARRIAGECERTIFICATE Marriage CertificateNOTE NoteOERPT O & E ReportORIGTAP Original TAP File


Data Field Data DefinitionOWNPOLICY Owners PolicyPAYOFF PayOffPRELIMRPT Preliminary Title ReportPURCHAGREE Purchase AgreementSECURITYINSTRUMENT Security InstrumentSECURITYINSTRUMENTMOD Security Instrument ModSERCURITYINSTRUMENT Security Instrument (Value

Deprecated)SERCURITYINSTRUMENTMOD Security Instrument Mod (Value

Deprecated)SERVINV Service InvoiceSETTLSTMT Settlement StatementsSUPPL1 Supplement 1SUPPL2 Supplement 2TAXDOC Tax DocumentTAXLINEDATA Tax Line DataTITLE385 Title 385TITLE385MISMO Title 385 in a MISMO formatTITLECOM Title CommitmentTITLEINSURANCEPOLICY Title Insurance PolicyTITLERPT Title ReportTITLESRCH Title SearchTRUSTOPIN Trust Opinion TRAILDOCS Trailing DocumentsVESTING Vesting Information

VerificationsConstant DescriptionAUTHENTICATIONCROSSCHECK Authentication/Cross Check

ReportBORRAUTH Borrower AuthorizationBORROWEROCCUPANCY Verification of Borrower

OccupancyCONDOBUDGET Condo BudgetCONDOBYLAWDECLARATION Condo By-Law DeclarationCONDOCOMBINEDDOCUMENTATION

Condo Combined Documentation

CONDOEVALUATION Condo EvaluationCONDOQUESTIONNAIRE Condo QuestionnaireEXECPROCESSDISCLOSURE Executed Processing DisclosureHOAACCOUNTINFORMATION HOA Account InformationHOMEOWNERSHIPCOUNSELINGNOTICE

Homeownership Counseling Notice

IncomeAnalysisPreview Provides details of all income sources available for an applicant which will be included in the Income Analysis Report.

IncomeAnalysisReport A report providing an applicant’s detailed and summarized income data from all income sources.


Data Field Data DefinitionIncomeAnalysisRequestPackage Contains various documents

with information pertinent to creating the Income Analysis Report.

INSURANCEDOCUMENTATION Insurance DocumentationPROPERTYUNITNUMBER Verification of Property Unit

NumberTAXRETURN4506T Request for Transcript of Tax

Return (4506-T)UNDISCLOSEDLIABILITIES Verification of Undisclosed

LiabilitiesVOE VOEVOI VOIVOID Verification of Identity

Risk ManagementConstant DescriptionHSTPRO HistoryPro Report

Risk Mgt (Fraud)Constant DescriptionDVDRIVE Data Verify Drive ReportsFRAUDGUARD Fraud GUARDLSRMD Loan Safe Risk Manager ReportLSFMD LoanSafe Fraud Manager ReportLSCMD LoanSafe Collateral Manager Report

Document/ Description Description of the documentDocument/SubType The SubType provides specific information about the Document encoded in the Document node.

Constant Description1TO4FAMILY 1To4Family401K 401KADDSECURITYINTEREST Add Security InterestALTERNATIVECONTACT Alternative ContactANNUITY AnnuityARM ARMASSIGNMENTOFDEEDOFTRUST Assignment of Deed of TrustASSIGNMENTOFMORTGAGE Assignment of MortgageASSIGNMENTOFRENTS Assignment of RentsASSIGNMENTOFTRADE Assignment of TradeBALANCESHEET Balance SheetBALLOON BalloonBARGAINANDSALEDEED Bargain and Sale DeedBIWEEKLY Bi-WeeklyBLANKETASSIGNMENT Blanket AssignmentBUILDERCERTIFICATIONOFPLANSANDSPECIFICATIONS

Builder Certification of Plans and Specifications

BUILDERSCERTIFICATE Builders CertificateCARPET CarpetCASHFLOW Cash FlowCHECKINGACCOUNT Checking Account



Document/SubType (Cont)

Constant DescriptionCONDOMINIUM CondominiumCONSOLIDATED ConsolidatedCONSOLIDATIONAGREEMENT Consolidation AgreementCONSTRUCTION ConstructionCOOPERATIVEASSIGNMENTOFPROPRIETARYLEASE

Cooperative Assignment of Proprietary Lease

CREDITINCREASE Credit IncreaseDEEDOFTRUST Deed of TrustDRIVERSLICENSE Driver’s LicenseDURABLE DurableEARTHQUAKE EarthquakeENVIRONMENTAL EnvironmentalFEDERAL FederalFINANCIALPOSITION Financial PositionFIREANDEXTENDEDCOVERAGE Fire and Extended CoverageFLOOD FloodFNM1009 FNM1009FOOTINGS FootingsFRAMING FramingGAPINEMPLOYMENT Gap in EmploymentGEM GEMGPM GPMHAZARD HazardHEATING HeatingHECMLOANAGREEMENT HECM Loan AgreementHOMEOWNERS HomeownersHUD1 HUD1HURRICANE HurricaneIDENTITYTHEFT Identity TheftINCOME IncomeINCREASESECURITY Increase SecurityINSECTINFESTATION Insect InfestationINSULATION InsulationINTERVIVOSREVOCABLETRUST Inter Vivos Revocable TrustIRS1040 IRS1040IRS1041 IRS1041IRS1065 IRS1065IRS1099A IRS1099AIRS1099B IRS1099BIRS1099C IRS1099CIRS1099CAP IRS1099CAPIRS1099DIV IRS1099DIVIRS1099G IRS1099GIRS1099H IRS1099HIRS1099INT IRS1099INTIRS1099LTC IRS1099LTCIRS1099MISC IRS1099MISCIRS1099OID IRS1099OIDIRS1099PATR IRS1099PATR


Data Field Data DefinitionConstant DescriptionIRS1099Q IRS1099QIRS1099R IRS1099RIRS1099S IRS1099SIRS1099SA IRS1099SAIRS1120 IRS1120IRS1120S IRS1120SIRS4506 IRS4506IRS4506T IRS4506TLEASEHOLD LeaseholdLETTEROFEXPLANATION Letter of ExplanationLETTEROFINTENT Letter of IntentLIENRELEASE Lien ReleaseLIMITED LimitedLOCAL LocalMANUFACTURED ManufacturedMANUFACTUREDHOUSING Manufactured HousingMILITARY MilitaryMINESUBSIDENCE Mine SubsidenceMODIFICATIONAGREEMENT Modification AgreementMORTGAGE MortgageMUTUALFUNDACCOUNT Mutual Fund AccountNAME NameNEWMONEY New MoneyNONOWNER Non-OwnerOPENACCOUNT Open AccountOTHER OtherPASSPORT PassportPENSION PensionPERSONALPROPERTY Personal PropertyPEST PestPLUMBING PlumbingPREPAYMENT PrepaymentPROPERTYINSPECTION Property InspectionPUD PUDQUITCLAIMDEED Quit Claim DeedRATEIMPROVEMENT Rate ImprovementREHABILITATION RehabilitationROOF RoofSATISFACTIONOFDEEDOFTRUST Satisfaction of Deed Of rustSATISFACTIONOFMORTGAGE Satisfaction of MortgageSAVINGACCOUNT Saving AccountSECONDHOME Second HomeSEPTIC SepticSIGNATURE SignatureSOIL SoilSOILTREATMENT Soil TreatmentSTATE StateSTOCKACCOUNT Stock Account


Data Field Data DefinitionConstant DescriptionSTORM StormSTRUCTURALENGINEERING Structural EngineeringSUBTERRNEANTERMITE Subterranean TermiteTERMITE TermiteTERMITETREATMENT Termite TreatmentTORNADO TornadoTRAILINGSPOUSE Trailing SpouseTRUDT TrustURLA URLAUTILTIYBILL Utility BillVA VAVAQUESTIONAIRE VA QuestionnaireVISA VisaVOLCANO VolcanoWARRANTYDEED Warranty DeedWATERHEALTH Water HealthWELL WellWIND Wind

Document/SuperType The SuperType give a more generalized category of the encoded documents usage.Constant DescriptionBORROWERAPPLICATION Borrower ApplicationBORROWERCREDITANDLIABILITIES Borrower Credit and LiabilitiesBORROWERINCOMEANDASSETS Borrower Income and AssetsCLOSING ClosingDISCLOSURE DisclosureNOTE NotePROPERTY PropertySECURITYINSTRUMENT Security InstrumentTITLE Title

DocUserID User ID for access to the documentDocumentDeliveryMethodType The method in which the document is delivered to a Party

Constant DescriptionELECTRONIC ElectronicPAPER Paper

DocumentDeliveryRequestType A value from a prescribed list that describes content and scope of the actions to be taken as part of the document delivery.

Constant DescriptioneClose For Future UseeConsent Recipient needs to accept electronic delivery.EDelivery No delivery consent or confirmation required.PrintAndMail Bypasses electronic delivery attempt and immediately

queues the document for Print and Mail processingDocumentRecipientClassificationType

Used to sequence the recipient to a signature location.Constant DescriptionPrimary Identifies the recipient as the first signatory on the

document(s).Secondary Identifies the recipient as the second signatory on the


Data Field Data Definitiondocument(s).

DueDate Completion date or due date of the specific product, document, etc.DurationType Constant Description

ANN AnnualNA Not ApplicablePERMON Periodic MonthlySINGLIFLOAN Single Life of LoanSPECTRMSING Specific Term Single

DURecommendationType Fannie Mae Desktop Underwriter Recommendation TypeConstant DescriptionREFERELIG Refer EligibleOUTSCOPE Out of ScopeAPPRELIG Approve EligibleREFERINELG Refer IneligibleUNKN UnknownAPPRINELG Approve IneligibleREFERWCA Refer with CautionREFER ReferDENY DenyERROR ErrorCOMPLETE CompleteAPPRV ApproveINELIG IneligibleCOMPWCA Complete ith CautionREFERWCA1 ReferWithCaution1REFERWCA2 ReferWithCaution2REFERWCA3 ReferWithCaution3REFERWCA4 ReferWithCaution4RESUB ResubmitEXPAPPRV1 ExpandedApproval1EXPAPPRV2 ExpandedApproval2EXPAPPRV3 ExpandedApproval3EXPAPPRV4 ExpandedApproval4EXPAPPRV1ELIG ExpandedApproval1EligibleEXPAPPRV1INELIG ExpandedApproval1IneligibleEXPAPPRV2ELIG ExpandedApproval2EligibleEXPAPPRV2INELIG ExpandedApproval2IneligibleEXPAPPRV3ELIG ExpandedApproval3EligibleEXPAPPRV3INELIG ExpandedApproval3Ineligible

EffectiveDate The date the document, record, etc. becomes effectiveEmail Email address EmployerType Constant Description

CURRENT CurrentPREVIOUS Previous

EmploymentClassificationType Constant DescriptionPrimary PrimarySecondary Secondary


Data Field Data DefinitionEmploymentStatusType (Risk Mgt. Fraud Event 100)

Describes a person’s current position in the workforce.Constant DescriptionOTHER OtherRETIRED RetiredSALARYORWAGEARNERW2 W2 EmployedSELFEMPLOYED Owner with or without employees including

I9 Workers or a 1099/ContractorSTUDENT Not actively employed and in schoolUNEMPLOYED Not actively employed

EmploymentStatusType (Verification of Employment Event 387)

A value from an Exchange prescribed list that specifies the relative time frame of the employment.Constant DescriptionCurrent CurrentPrevious Previous

EncodeType Type of encoding of the documentConstant DescriptionBase64 Base 64NONE No EncodeOTHER Other Encode

EnvironmentalIssues Indicates if there are any known environmental issues at the propertyEqualizationRate Rate or amount of the tax equalizationEstAmount Estimated amount value

EstateType Constant DescriptionFEE Fee SimpleLEASE LeaseholdOTHER Other value not included in EstateType enumeration list.FRACTIONAL Fractional

EstCompleteDate The date the product is expected to be completeEstValue Estimated value of the propertyEvenPhone Evening phone number Event/ ClientCode Reference code value supplied by the user creating the eventEvent/ ClientDesc Description of the event supplied by the user creating the eventEvent/ Comment Comment, notes, information concerning the eventEventDate Date and time the event occurred or is recorded in the systemEventID Unique value system generated by Exchange to identify the specific Event for the product order.ExceptionType Constant Description

CONDOTEL CondotelMULTPARC Multiple ParcelsTRUST Trust EntityVACANT VacantLANDLOCK Land LockedINDRESV Indian ReservationLANDCONT Land ContractMOBILE Mobile HomeMANUFACTURED Manufactured Home

Description of exceptions to legal descriptionExemptionAmount Amount of the exemption reported


Data Field Data DefinitionExtDescFoundType Exterior Foundation Type

Constant DescriptionBLOCKPIER Block and PierOTHER OtherPOURD PouredRUNNERS Runners

ExpireDate Date and time to purge the document from Exchange.Fax Fax number FedFloodInsurance Indicates Federal Flood Insurance is availableFedInsurNotAvail Indicates Fed Flood Insurance is not availableFee/Code Fee/Code

Constant DescriptionABS Abstract or Title Search FeeADMINFEE Administration FeeAMORT Amortization FeeANNUALASSESSRES Annual Assessment ReserveAPP Application FeeAPPR Appraisal FeeAPPRREIMBTOLEND Appraisal Reimbursed to LenderARCH203 203K Architectural and Engineering FeeASSIGN Assignment FeeASSIGNREC Assignment Recording FeeASSUMP Assumption FeeATTRNY Attorney FeeBOND Bond Review FeeCITYDEED City County Deed Tax Stamp FeeCITYMORT City County Mortgage Tax Stamp FeeCLO CLO Access FeeCOMMIT Commitment FeeCON203 203K Consultant FeeCOPY Copy or Fax Fee COUNTYPROPTAXRES County Prop. Taxes ReserveCOURIER Courier FeeCREDIT Credit Report FeeDEED Deed Recording FeeDEMAND DemandDISC203 203K Discount on RepairsDOCPREP Document Preparation FeeDOCSTAMP Documentary Stamp FeeEARTHQUAKEINSRES Earthquake Insurance ReserveESCROW Escrow Waiver FeeFLOOD Flood Certification FLOODINSPREMIUM Flood Insurance PremiumFLOODINSRES Flood Insurance ReserveGARESTAXFEE Georgia Residential Tax FeeGENCNSL General Counsel Fee HAZINSPREMIUM Hazard Insurance Premium


Data Field Data DefinitionConstant DescriptionHAZINSRES Hazard Insurance ReserveINSP Inspection Fee INSP203 203K Inspection FeeINTEREST InterestLENDCOV Lenders CoverageLENDPROCFEE Lenders Processing FeeLOANDISC Loan Discount Points

Fee/Code Continued Fee/Code continuedConstant DescriptionLOANORIG Loan Origination FeeMOD Modification FeeMORTBROKER Mortgage Broker FeeMORTINSPREMIUM Mortgage Insurance PremiumMORTINSRES Mortgage Insurance ReserveMORTREC Mortgage Recording FeeMUNILIEN Municipal Lien Certificate FeeMUNILIENREC Municipal Lien Certificate Recording FeeNEWLOAN New Loan Administration FeeNOTARY Notary FeeORIGFEE Origination FeeOTHER OtherOWNERCOV Owner’s CoveragePEST Pest Inspection FeePRMT203 203K PermitsPROCESS Processing FeePROPERTYVALFEE Property Val FeeREALESTATE Real Estate CommissionRECONVEYFEE Reconveyance FeeREDRAW Redraw FeeREINSP Re-inspection FeeRELEASE Release Recording Fee RURAL Rural Housing FeeRECSRVFEE Recording Service FeeSETTLE Settlement or Closing FeeSTATEDEED State Deed Tax Stamp FeeSTATEMORT State Mortgage Tax Stamp FeeSTATEESPECFEE State Specific FeeSUPP203 203K Supplemental Origination FeeSURVEY Survey FeeSVCPROVFEE Service Provider FeeTAX Tax Related Service FeeTITLE203 203K Title UpdateTITLEBIND Title Insurance Binder FeeTITLEDISP Settlement/Disbursement FeeTITLEDOCPREP Document PreparationTITLEEXAM Title Examination FeeTITLEINS Title Insurance FeeUNDER Underwriting Fee


Data Field Data DefinitionConstant DescriptionWINDSTORMINSRES Windstorm Insurance ReserveYIELDPREM Yield Spread Premium

Fee/Status Fee/StatusConstant DescriptionESTIMATED EstimatedFINAL Final

Fee/Type Fee/TypeConstant Description100 100: Gross Amount Due from Borrower 1000 1000: Reserves Deposited with Lender 1100 1100: Title Charges 1200 1200: Recording and Transfer Charges 1300 1300: Additional Settlement Fees 200 200: Amounts Paid by Or in Behalf of Borrower 300 300: Cash at Settlement from To Borrower 400 400: Gross Amount Due to Seller 500 500: Reductions in Amount Due to Seller 600 600: Cash at Settlement to From Seller 700 700: Division of Commission 800 800: Loan Fees 900 900: Lender Required

FeeDifferencePlusMinus Constant DescriptionMINUS MinusPLUS Plus

Fees Cost associated with the productFeeSourceType Indicates who the fees were provided by.

Constant DescriptionLENDER LenderPROVIDER Provider

FHACaseNumber HUD/FHA Case IdentifierFHAParsedCaseNumber HUD/FHA Case Reference Number OnlyFHAParsedSectionNumber HUD/FHA Section Number OnlyFileName Document file name. The following files extensions are allowed to process through Exchange.

ExtensionbmpcsvdatenvdocFiofnmgifherhtmhtmljpegjpg


Data Field Data DefinitionmhtmdimsgpclpdfpngprnRECrtfsnptiftifftxtwpxapxmlxlszipzooDOCXxlsxZipx

FileSubType Document file ‘sub’ type – detail level file typeConstant DescriptionSUBJFRONT Subject FrontSUBJREAR Subject RearSUBJSTREET Subject StreetSUBJOTHER Subject OtherSUBJINTERIOR Subject InteriorSALESCMP1 Sales Comp #1SALESCMP2 Sales Comp #2SALECCMP3 Sales Comp #3SALESCMP4 Sales Comp #4SALESCMP5 Sales Comp #5SALESCMP6 Sales Comp #6SALESCMP7 Sales Comp #7SALESCMP8 Sales Comp #8SALESCMP9 Sales Comp #9PLATMAP Plat MapFLOODMAP Flood MapLOCATIONMAP Location MapSITEMAP Site MapZONEMAP Zone MapENVIROMAP Environment MapNEIGHBORMAP Neighborhood MapFOUNDMAP Foundation MapDEEDMAP Deed MapOTHERMAP Other MapBUILDSKETCH Building Sketch


Data Field Data DefinitionConstant DescriptionSITEBUILDSKETCH Site and Building SketchSITESKETCH Site SketchFOUNDSKETCH Foundation SketchOTHERSKETCH Other SketchRENTALCMP1 Rental Comp #1RENTALCMP2 Rental Comp #2RENTALCMP3 Rental Comp #3RENTALCMP4 Rental Comp #4RENTALCMP5 Rental Comp #5RENTALCMP6 Rental Comp #6RENTALCMP7 Rental Comp #7RENTALCMP8 Rental Comp #8RENTALCMP9 Rental Comp #9LISTCMP1 Listing Comp #1LISTCMP2 Listing Comp #2LISTCMP3 Listing Comp #3LISTCMP4 Listing Comp #4LISTCMP5 Listing Comp #5LISTCMP6 Listing Comp #6LISTCMP7 Listing Comp #7LISTCMP8 Listing Comp #8LISTCMP9 Listing Comp #9OTHER Other Photo

FileType Document F ileType.Constant DescriptionBIN binENV envHTML htmlJPG jpgJSON jsonMISMO-XML MISMO-XMLOTHER OtherPCL pclPDF pdfREC RealEC-XML FileSMARTDOC SMART DOCTIF tifWORD WordWP WPXML xmlXLSX Microsoft Office Excel TXT TextBMP Image/bmp

FilingDate Date the document was filedFilingLocation Location where the document was filed


Data Field Data DefinitionFindingsCodeFHAValues HardStopCode

FindingsCodeFHAValues HardStopCode (Cont)

Auto is for an Automatic Override. The following data characteristics result in an automatic system override:

a. appraisal with unknown subject address if year built is equal to 2 years old or lessb. appraisal with unknown subject address that is in Puerto Rico, U.S. Virgin Islands, or Guamc. appraisal with subject address that cannot be validated against the property associated with the FHA Case Numberd. appraisal with XML digital signature that is missing or could not be validatede. UAD Compliance check failure (warnings only)

Code Description Override Allowed

100 Appraised value is missing or provided in an invalid format

N

101 Appraised value is less than $5,000 Y

102 Appraised value is less than or equal to $0 N

200 Missing appraiser certification information N

FHA201 Appraiser must be on the FHA Appraiser Roster Y

FHA202 Appraiser must have a valid certification in the state where the property resides

N

FHA203 Appraiser certification was not active as of the appraisal effective date

N

FHA204 Appraiser certification was terminated as of the appraisal effective date

N

FHA205 Appraiser was ineligible as of the appraisal effective date

N

FHA210 Appraisal contains supervisory appraiser information

N

300 Missing subject address N302 Unknown subject address N303 Invalid address: unit number required or not

validatedAuto1

401 UAD compliance check failure (one or more fatal)

N

402 UAD compliance check failure (warning only) Auto1FHA500 FHA Case Number is missing or provided in an

invalid formatN

FHA501 FHA Case Number on appraisal does not match Document File

N

FHA502 FHA Case Number on appraisal is cancelled or not found

N

FHA503 FHA Case Number assigned to property does not match subject address

Auto

FHA504 FHA Case Number on appraisal is not assigned to lender

N

FHA505 Property State associated with the Case# does not match the subject property State on the appraisal.

N

FHA600 Appraiser digital signature is missing Auto

FHA601 Appraiser digital signature is in an invalid format Auto

FHA602 Appraiser digital signature name or license information does not match appraisal

Auto

FHA603 Appraisal could not be validated against appraisal digital signature

Auto



FindingsCodeFHAValues HardStopCode (Cont)

Code Description Override Allowed

9000 Invalid submission: File too large N

9001 Appraisal data in invalid format: Appraisal file deleted or renamed prior to submission

N

9001 Appraisal data in invalid format: XML is not well formed

N

9001 Appraisal data in invalid format contains non-UTF8 characters

N

9001 Appraisal data in invalid format: XML file type cannot be autodetected.

N

9001 Appraisal data in invalid format: XML file does not match the specified format and form

N

9001 Appraisal data in invalid format: XSD check failure

N

9003 PDF not included in XML submission N

9005 Invalid form type for Appraisal 1: 1004D/442 N

FHA3100 For purchase transaction, Date of Contract must be provided

N

FHA3105 For purchase transaction, Contract Price must be provided

N

FHA3200 Location must be provided NFHA3205 Sum of all land uses must be at least 1% but not

greater than 100%N

FHA3210 Neighborhood Predominant Price must be provided

N

FHA3300 Site Area must be greater than “0” unless under condominium ownership

N

FHA3700 Invalid selection made for As Is or Subject to fields

N

FHA4000 Subject property market value decline indicator must be provided

N

FHA4001 Appraisal Update indicates that the market value of the subject property has declined in value

Y

FHA4100 Form purpose must be provided N

FHA4200 Effective Date of Appraisal must be provided N

FHA4205 Effective Date of Appraisal Update must be provided

N

FHA5000 Building Status must be provided N

FHA5005 Year Built must be provided NFHA5010 Effective Age must be provided NFHA5015 Improvement Type must be provided N


Data Field Data DefinitionCode Description Override

Allowed

FHA5016 Project Description must be provided N

FHA5100 Foundation Type must be provided N

FHA5200 Car Storage Type must be provided N

FHA5400 Number of rooms must be provided N

FHA5401 Number of rooms must be greater than or equal to the number of bedrooms

N

FHA5405 Number of bedrooms must be provided N

FHA5410 Number of bathrooms must be provided N

FHA6000 Price of Prior Sale/Transfer must be provided N

FHA6005 Gross Living Area must be provided N

FindingsOverideCodeFHAValuesOverrideReasonCode

HardStopCode

OverrideReasonCode

Description Comment Required

101 RQ10101 Value is correct and validated by lender

N

101 RQ10199 Other (See comments) Y302 RQ30201 Recent/new construction N302 RQ30202 Subject address located in

rural areaN

302 RQ30203 Address has recently changed and therefore may not be in your database

N

302 RQ30204 Address is correct and verified via local professional

N

302 RQ30205 Address is correct and verified by lender

N

302 RQ30299 Other (see comments) YFHA201 RQFHA20101 Lender validated that

information is correct and appraiser is on the FHA Appraiser Roster

N

FHA201 RQFHA20199 Other (see comments) YFHA4001

RQFHA40011 Lender acknowledges that a new appraisal report must be ordered

N

FireDamage Fire damage to propertyConstant DescriptionNO No damageUNDER50 Under 50% damagedOVER50 Over 50% damaged


Data Field Data DefinitionFireplaces Number of fireplaces at the propertyFirstName First name of the party in the current nodeFloodZone Indicates if property is in a Flood ZoneFloodZoneDetermination Indicates if property is in a Flood ZoneForeclosureActionType Constant Description

BreachNoticeSent Breach Notice SentEvictionApproved Eviction ApprovedEvictionCompleted Eviction CompletedEvictionStarted Eviction StartedFirstLegalAction First Legal ActionForeclosureBidInstructionIssued Foreclosure Bid Instruction IssuedForeclosureCompleted Foreclosure CompletedForeclosureSaleCancelled Foreclosure Sale CancelledForeclosureSaleConfirmed Foreclosure Sale ConfirmedForeclosureSaleHeld Foreclosure Sale HeldForeclosureSalePostponed Foreclosure Sale PostponedForeclosureSalePublicationCommenced

Foreclosure Sale Publication Commenced

ForeclosureSaleRescinded Foreclosure Sale RescindedForeclosureSaleScheduled Foreclosure Sale ScheduledForeclosureTerminated Foreclosure TerminatedFormalNoticeFiled Formal Notice FiledOther OtherRedemptionPeriodEnded Redemption Period EndedRedemptionPeriodStarted Redemption Period StartedReferralToAttorney Referral To Attorney

FormType (Appraisal 385) IDK Code DescriptionFORM1004 Residential Appr ReportFORM1004C Manufactured Home Appr ReportFORM1004D Appr Update/Complete OrderFORM1004MC Marketing Condition AddendumFORM1073 Individual Condo Unit Appr RepotFORM1075 Ext Only Insp Individual CondoFORM1025 Small Res Income Appr ReportFORM2000 1 Unit Res Appr Field ReviewFORM2000A 2 to 4 Unit Res ApprFORM2055 Ext Only Resident Appr ReportFORM2090 Individual Coop Interest ApprFORM2095 Ext Only Individual Coop InterestFORM2006FLDREV Field Review 2000 – 2-4 UnitsFORMADDENDUM AddendumFORMOTHER Other

FormatType Constant DescriptionUAD Uniform Appraisal Dataset

FormType(DocumentList/Event 150)(DocumentList/Event 536)

Constant Description1004 1004 Residential Appraisal Report


Data Field Data Definition(DocumentList/Event 537)(DocumentList/Event 538)

1004C 1004C Manufactured Home Appraisal Report1004D Appraisal Update and/or Completion Report1025 1025 Small Residential Income Property Appraisal Report1073 1073 Individual Condominium Unit Appraisal Report

10751075 Exterior Only Individual Condominium Unit Appraisal Report

2055 2055 Exterior Only Inspection Residential Appraisal Report2090 2090 Individual Cooperative Interest Appraisal Report

20952095 Exterior Only Individual Cooperative Interest Appraisal Report

1004MC1004MC Market Conditions Addendum to the Appraisal Report

Formula Indicates the actual formula used to return the Fee associated with the Fee Amount fieldFoundationType Type of Foundation used on property

Constant DescriptionCRAWLSP Crawl spaceSLAB SlabPIERBEAM Pier and BeamUNKNOWN Unknown

FraudRequestDataInfo/ GSEPropType

Loan Subject Property TypeConstant DescriptionATTACH Attached CONDO Condominium CONDOTEL CondotelCOOP Cooperative DETACH Detached DETACHCONDO Detached CondominiumDETACHCOOP Coop DetachDETACHPUD PUD DetachHIGHRISE High-Rise Condominium MANUFACT Manufactured HousingMHCDOPUDCOOP Manufactured Home Condominium, PUD, or

CooperativeMHCONDO Manufactured Home CondominiumMHDOUBL Manufactured Housing Double WideMHMULTI Manufactured Home Multi-WideMHSINGL Manufacture Housing Single-WideMODULAR ModularPUD PUD

FraudRequestDataInfo/ LoanDocType

MortgageInsuranceRequestDataInfo/MortgageInsuranceRequest/LoanApplication/LoanFeatures/LoanDocType

Loan Document TypeConstant DescriptionALT Alternative DOCWAIVER Doc WaiverHFADesktopUnderwriter

Indicates that the loan is being underwritten based on an alternate set of guidelines and documentation requirements as agreed upon between the Fannie Mae and a Local Housing Finance Authority for loans submitted via Desktop Underwriter.

HFAFullDocumentation

Indicates that the loan is being underwritten based on an alternate set of guidelines and documentation


Data Field Data Definitionrequirements as defined by a Local Housing Finance Authority in support of a manual underwrite.

FULL Full Documentation NODEP No Deposit Verification NODEPEMPINC No Deposit Verification Employment Verification

Or Income Verification NODOC No Documentation NOEMPINC No Employment Verification Or Income

Verification REDUCED Reduced STRMREFI Streamline RefinanceNORATIO No RatioLIMITDOC Limited DocumentationNOINCNOA1003 NoIncomeNoEmploymentNoAssetsOn1003NOINC1003 NoIncomeOn1003NOVOSIEORA No Verification Of Stated Income Employment Or

AssetsNOVOSIORA No Verification Of Stated Income Or AssetsNOVOSA No Verification Of Stated AssetsNOVOSIORE No Verification Of Stated Income Or EmploymentNOVOSI No Verification Of Stated IncomeVERBALVOE Verbal Verification Of EmploymentONESTUB One PaystubONESTUBVOE One Paystub And Verbal Verification Of

EmploymentONESTUBW21004 OnePaystubAndOneW2AndVerbalVerificationOfE

mploymentOrOneYear1040A2ASTREAMREFI Agency to Agency Streamline Refinance

FraudRequestDataInfo/ ReducedLoanDocumentType

Fraud Reduced Loan Document TypeConstant DescriptionNOINOA No Income No Asset NOINOR No Income No Ratio STINCW4506 StatedIncomeWithIRSForm4506 STINCWO4506 StatedIncomeWithoutIRSForm4506 STINCASSET Stated Income Stated AssetSRASSET Stated Assets

FulFillmentType Constant DescriptionAppraisalManagementCompany Appraisal Management CompanyStaff Staff AppraiserUndecided Undecided

FundedTypeConstant DescriptionCHECK CheckWIRE WireOTHER Other

Garage Indicates if the property has a garage on site


Data Field Data DefinitionGarageCondition Condition of garage on property

Constant DescriptionABOVE Above averageBELOW Below averageN/A Not applicable

GarageSpaces Number of garage spaces at the propertyGarageType Type of Garage

Constant DescriptionATTACH Attached GarageBUILTIN Built In GarageCARPORT Car PortDETACH Detached Garage

GenderType Constant DescriptionFEMALE Female UNKN Information Not Provided Unknown MALE MaleNOTPROV Not Provided

Generation Generation notation of the party in the current node Constant DescriptionJR JrSR SrIII IIIIV IVV VVI VIVII VIIVIII VIII

GenDescAttDetType Number of Units TypeConstant DescriptionATTACH AttachDETACH DetachSEMIDET Semi-Detach

GenDescExistPropConstType Number of Units TypeConstant DescriptionCONST ConstructionEXIST ExistPROPOSED Proposed

GenDescMHSectionType Number of Units TypeConstant DescriptionONE OneOTHER OtherTHREE ThreeTWO Two

GenDescNbrOfStoriesType Number of Units TypeConstant DescriptionONE OneOTHER OtherTWO Two


Data Field Data DefinitionGenDescNbrOfUnitsType(Appraisal 387 Form 1004_05)(Appraisal 387 Form 2055_05)

Number of Units TypeConstant DescriptionONE OneACCESSORY Accessory

GenDescNbrOfUnitsType (Appraisal 387 Form 1004c_05)

Number of Units TypeConstant DescriptionONE OneADDITION Addition

GenDescNbrOfUnitsType (Appraisal 387 Form 1025_05)

Number of Units TypeConstant DescriptionACCESSORY AccessoryFOUR FourTHREE ThreeTWO Two

GovernmentMonitoring/EthnicityType

Borrower’s Ethnicity TypeConstant DescriptionHISP Hispanic Or LatinoNOTHISP Not Hispanic Or LatinoNOTPROV Information Not Provided By Applicant In Mail

Internet Or Telephone ApplicationNA Not Applicable

GovernmentMonitoring/HMDARaceType

Borrower’s Race TypeConstant DescriptionAMERINDAK American Indian Or Alaskan NativeASIAN AsianBLACK Black Or African AmericanPACISLAND Native Hawaiian Or Other Pacific IslanderWHITE WhiteNOTPROV Information Not Provided By Applicant In Mail

Internet Or Telephone ApplicationNA Not Applicable

GranteeVestingInfo Grantee primary name and vesting information GrantorVestingInfo Grantor primary name and vesting informationGSEBasementExitType Constant Description

WALKOUT Walk OutWALKUP Walk UpINTERIORONLY Interior Only

GSEEstYearOfImprovementType1 GSEEstYearOfImprovementType2

Constant DescriptionLESSTHENONEYEARAGO Less than one year agoONETOFIVEYEARSAGO One to five years agoSIXTOTENYEARSAGO Six to ten years agoELEVENTOFIFTEENYEARSAGO Eleven to fifteen years agoUNKNOWN Unknown

GSEFinancingType Constant DescriptionFHA FHAVA VACONVENTIONAL Conventional


Data Field Data DefinitionCASH CashSELLER SellerRURALHOUSING Rural HousingOTHER Other

GSEImprovementAreaType1 GSEImprovementAreaType2

Constant DescriptionKITCHEN KitchenBATHROOMS Bathrooms

GSEImprovementDescType1 GSEImprovementDescType2

Constant DescriptionNOTUPDATED Not UpdatedUPDATED UpdatedREMODELED Remodeled

GSEListingStatusType Constant DescriptionACTIVE ActiveEXPIRED ExpiredWITHDRAWN WithdrawnCONTACT ContactSETTLEDSALE Settled Sale

GSELocationType1 GSELocationType2 GSESubjLocationType1 GSESubjLocationType2

Constant DescriptionRESIDENTIAL ResidentialINDUSTRIAL IndustrialCOMMERCIAL CommercialBUSYROAD Busy RoadWATERFRONT WaterfrontGOLFCOURSE Golf CourseADJACENTTOPARK Adjacent to ParkADJACENTTOPOWERLINES Adjacent to Power LinesLANDFILL LandfillPUBLICTRANSPORTATION Public TransportationOTHER Other

GSEOverallConditionType GSESubjOverallConditionType

Constant DescriptionC1 C1C2 C2C3 C3C4 C4C5 C5C6 C6

GSEViewOverallRatingType GSESubjOverallLocationRatingType GSESubjViewOverallRatingType GSEOverallLocationRating

Constant DescriptionNEUTRAL NeutralBENEFICIAL BeneficialADVERSE Adverse

GSEQualityOf ConstructionRatingType

Constant DescriptionQ1 Q1Q2 Q2Q3 Q3Q4 Q4Q5 Q5Q6 Q6

GSERefiPurposeType Purpose of Refinance. Required when Loan/Purpose = REFI


Data Field Data DefinitionConstant DescriptionCODC Cash Out Debt Consolidation COHIMP Cash Out Home Improvement COLIM Cash Out Limited COOTHER Cash Out Other NOCOFHA No Cash Out FHA Streamlined Refinance NOCOREO No Cash Out FRE Owned Refinance NOCOTHER No Cash Out Other NOCOSTRM No Cash Out Streamlined Refinance RATETERM Change In Rate TermPORTRETSTRM Portfolio Retention Streamlined Refinance

GSESaleType Constant DescriptionREO Reo SaleSHORT Short SaleCRTORD Court Ordered SaleESTATE Estate SaleRELO Relocation SaleNONARM Non-arms Length SaleARMLTH Arms Length Sale

GSESubjViewType1 GSESubjViewType2GSEViewType1 GSEViewType2

Constant DescriptionWATERVIEW Water ViewPASTORALVIEW Pastoral ViewWOODSVIEW Woods ViewPARKVIEW Park ViewGOLFCOURSEVIEW Golf Course ViewCITYVIEWSKYLINEVIEW City View Skyline ViewMOUNTAINVIEW Mountain ViewRESIDENTIALVIEW Residential ViewCITYSTREETVIEW City Street ViewINDUSTRIALVIEW Industrial ViewPOWERLINES Power LinesLIMITEDSIGHT Limited SightOTHER Other

HandleManualIndicator Indicates if the amount is handled manually


Data Field Data DefinitionHardStop


HardStopCode HardStopDescription Override

Allowed

100 Appraisal Value is missing or provided in an invalid format N

101 Appraisal Value is less than $5,000 Y102 Appraisal Value is less than OR equal to $ 0 N200 Missing appraiser license information N202 Unmatched appraiser license information Auto *

203 Appraiser license is suspended in the ASC database Auto *

204 Appraiser license is suspended in the ASC database Auto *

210 Missing Supervisory appraiser license information N

212 Unmatched supervisory appraiser license information Auto *

213 supervisory appraiser license is suspended in the ASC database Auto *

214 supervisory appraiser license is suspended in the ASC database Auto *

300 Missing subject address N302 Unknown subject address Y303 Invalid address: unit number required Y

401 UAD compliance check failure (one or more fatal) N

402 UAD compliance check failure (warnings only) Auto *9000 Invalid submission: File too large N

9001 Appraiser data in invalid format: PDF for conversion is not a PDF N

9001 Appraisal data in invalid format: Appraisal file deleted or renamed prior to submission N

9001 Appraisal data in invalid format: XML is not well formed N

9001 Appraisal data in invalid format: XML contains non-UTF8 characters N

9001 Appraisal data in invalid format: XML file type cannot be auto-detected N

9001 Appraisal data in invalid format: XML file does not match the specified format and form N

9001 Appraisal data in invalid format: XSD check failure N

9002 Unable to convert PDF file N9003 PDF not included in XML submission N9005 Invalid form type for Appraisal 1: 1004D/442 N9004 PDF conversion not allowed NFNM0000 There are one or more Fannie Mae Findings Auto*FRE001 This appraisal is ineligible for collateral

representation and warranty relief. Please review the Freddie Mac findings below for more detail.

Auto *

FRE000 This appraisal is eligible for collateral representation and warranty relief, pending an assessment of the loan.

Auto*

FRE700 A Freddie Mac Hard Stop Code returned when any one of the following fatal edits are triggered: Appraisal Signature date (FRE1086), Appraiser Name (FRE1087) or Legal Description (FRE1040).

N

FRE800 There are one or more Freddie Mac Findings Auto*

Data Field Data DefinitionHardStop (cont’) FNM0098

highest and best use. Overridableas of 1/26/2015FNM0099 as not highest and best use.

as of 1/26/2015FNM0101 may be a hotel/motel or condo hotel. as of 1/26/2015


FNM0083 The sales contract was not analyzed. YFNM0084 There was no comment on market conditions,

even though one or more negative housing trends were indicated (declining, over supply, over 6 months).

Y

FNM0085 Less than three settled sales were used as comparable.

Y

FNM0086 Research of prior sale was not performed. YFNM0087 Research of prior sale was not performed. YFNM0092 State certificate is not provided on transaction

amount over $1 million. Y

FNM0093 Appraiser license state does not match subject property state. Y

FNM0094 Supervisor license state does not match subject property state. Y

FNM0096 Illegal zoning compliance has been indicated in appraisal. Review description to verify if the property may be eligible per the Selling Guide.

Y

FNM0097 Illegal zoning compliance has been indicated in appraisal. Review description to verify if the property may be eligible per the Selling Guide.

Y

FNM0098 Present use is indicated as not highest and best use. Y

FNM0099 Present use is indicated as not highest and best use.

Y

FNM0101 The subject property may be a hotel/motel or condo hotel.

Y

FNM0102 The subject property is in a condominium project that may be ineligible for delivery to Fannie Mae.

Y

FNM0174 The project name suggests that the property may be a condo hotel. Verify the subject is located in a project that meets Fannie Mae’s Selling Guide requirements.

Y

FNM0176 The appraisal indicates that the subject property has legal nonconforming zoning and cannot be rebuilt to the current density. This data indicates that the property is ineligible for delivery to Fannie Mae.

Y

FNM0179 The appraisal indicates the subject property has a C6 condition rating. If the loan is not a DU Refi Plus or Refi Plus loan, the property is not eligible for delivery to Fannie Mae.

Y

FNM0193 Based on the overall quality of this appraiser’s work, Fannie Mae has decided to review 100% of the appraisals prepared by this appraiser for any loans delivered to Fannie Mae.

Y

Data Field Data DefinitionHardStop (cont’)

Header/AckRequest Requests an acknowledgement of submission.Header/AckRef If acknowledgment of submission is Yes, populate with data to uniquely identify the

transaction acknowledgement. If acknowledgement of submission is not requested,populate with 1.

Header/Created The date the RealEC-XML File is created.Header/Format Indicates the RealEC-XML format is = RealECHeader/GMTOffset The difference between the time values within the XML document to the Greenwich Mean

Time, the local time at the Royal Observatory.This value will provide context to the time zone represented in the time and timestamps inthis document.

Note: This time is daylight savings time vs daylight standard time sensitive.Header/SourceApp Name of the application sending the XMLHeader/SourceID A value assigned by Exchange to a system communicating the specific message.Header/SourceVer Identifies the Version of the Applications sending the message.Header/Version Indicates the version of the schema. Not leveraged.Header/PrivNetID PrivNetID is listed as ‘deprecated’ in the database.Header/CreatedBy The Exchange Client ID of the party creating the RealEC-XML File assigned by Exchange.Header/TestFile Indicates if the file is a test file.Header/EndPoint Indicates the destination location such as URL, FTP Site, MP Queues, etc.; Populated by

the Exchange System.Header/TrueUser The actual user but may have entered the service for another (multi-user).Header/UserIdentifier This data point will be available to private label sites that have Usernames longer than

20-characters and have the username option enabled.HeatType Type of Heating

Constant DescriptionFWA Forced Warm AirHWBB Hot Water BaseboardOTHER OtherRADIANT Radiant Heating

HighCostArea Declining Market ValuesConstant DescriptionYES Yes NO NoUNSPEC Unspecified


FNM0194 Based on the overall quality of this supervisory appraiser’s work, Fannie Mae has decided to review 100% of the appraisals prepared by this appraiser for any loans delivered to Fannie Mae.

Y

FNM0195 Fannie Mae will not accept appraisals from this appraiser. Y

FNM0196 Fannie Mae will not accept appraisals from this supervisory appraiser. Y

FNM0399 A loan with an appraisal with this Document File ID has already been delivered to Fannie Mae. Fannie Mae may not accept this appraisal on a new loan at Loan Delivery.

Y

Data Field Data DefinitionHireDate Date of hireHOAFeesType Indicates when the HOA fees are paid.

Constant DescriptionMONTH MonthYEAR Year

Holder Name of possessor for the note or lienHomeOwnersAssociation/Frequency

Frequency of Homeowner’s Association duesConstant DescriptionDAY DayMONTH MonthYEAR Year

HousingExpensePaymentAmountType

Housing Expense Payment Amount TypeConstant DescriptionProposed Proposed

HousingExpenseType Constant DescriptionFMORTPI First Mortgage Principal and InterestFMORTPITI First Mortgage Principal Interest, Tax and Insurance

GRNDRENT Ground Rent HAZINS Hazard InsuranceHOA Homeowners Association Dues And Condominium Fees LEASEHOLDPAY Lease Hold PayMAINTANDMISC Maintenance and MiscellaneousMI MI OTHEREXP Other Housing Expense OTHMORTPI Other Mortgage Loan Principal and InterestOTHMORTPITI Other Mortgage Loan Principal, Interest, Tax and

Insurance REALTAX Real Estate TaxRENT RentUTILITIES Utilities

HUDStatus The status of the HUD Document being submittedConstant DescriptionDRAFT DraftFINAL Final

IdFraudScanVerificationLevles Constant DescriptionADVANCED AdvancedBASIC BasicCOMPLETE Complete

ImprovementValue Value of improvements on the propertyIncomeAmountFrequency Frequency of income for the primary applicant or co-applicant on a fraud detection order

Constant DescriptionDAY DailyMONTH MonthlyYEAR Yearly

IncomeBaseAmount Base incomeIncomeTotalAmount Total income


Data Field Data DefinitionIncomeType Constant Description

BASE BaseBONUS BonusCOMMISSIONS CommissionsDIVIDENDINTEREST Dividend InterestOTHER OtherOVERTIME OverTimeTOTAL Total

InitialPayDate Initial payment dateInspectedByRoleType InspectedByRoleType

Constant DescriptionAppraiser Appraiser performed Inspection AppraiserSupervisor Supervisor Appraiser performed Inspection

InstallmentType Constant DescriptionCURRENT CurrentPRIOR Prior

Instrument Tracking number reported on the instrumentInsuranceCoAccount Account number for Insurance CompanyInsuranceCoName Name of the Insurance CompanyInsuranceCoPhone Phone number of the Insurance CompanyInvestorAgencyType Indicates the Agency being used by the Investor.

Constant DescriptionFannieMae Fannie MaeFreddieMac Freddie Mac

InvestorType The investor indicator for UCDP.Constant DescriptionFNM Fannie MaeFRE Freddie MacNOTAPPLICABLE Not ApplicableBOTH Both Fannie Mae and Freddie Mac

InvoiceInfo/Type Type of InvoiceConstant DescriptionFINAL Final Invoice

IsRatesIncluded Indicates if the rates for the provider listings are included in the report for the Good Faith Estimate.

IsSortDesending Indicates if the Good Faith Estimate report is sorted in a descending format.


Constant DescriptionYES YesNO NoYes YesNo No


Data Field Data DefinitionIsValidateCriteria Indicates if any selection criteria is used for selecting the provider listing

JobTitle Job titleLandUse Land Use

LandValue Value of the land LangInd Indicator of Language used by Party

LanguagePreferenceCode ISO Code Languageab Abkhazianaa Afaraf Afrikaanssq Albanianam Amharicar Arabican Aragonesehy Armenianas Assameseay Aymara



Constant DescriptionAgricultural AgriculturalCommercial CommercialIncome IncomeIndustrial IndustrialOther OtherPublicAndSemipublic Public and SemipublicRecreational RecreationalResidential ResidentialTransportationAndUtility Transportation and UtilityVacant Vacant

Constant DescriptionCANTONESE CantoneseENGLISH EnglishFARSI FarsiFRENCH FrenchGERMAN GermanJAPANESE JapaneseKOREAN KoreanMANDARIN MandarinOTHER OtherRUSSIAN RussianSPANISH SpanishTAGALOG TagalogVIETNAMESE Vietnamese

Data Field Data Definitionaz Azerbaijaniba Bashkireu Basquebn Bengali (Bangla)dz Bhutanibh Biharibi Bislamabr Bretonbg Bulgarianmy Burmesebe Byelorussian (Belarusian)km Cambodianca Catalanzh Chineseco Corsicanhr Croatiancs Czechda Danishnl Dutchen Englisheo Esperantoet Estonianfo Faeroesefa Farsifj Fijifi Finnishfr Frenchfy Frisiangl Galician

LanguagePreferenceCode (cont)

gd Gaelic (Scottish)

gv Gaelic (Manx)ka Georgiande Germanel Greekkl Greenlandicgn Guaranigu Gujaratiht Haitian Creoleha Hausahe Hebrew


Data Field Data Definitionhi Hindihu Hungarianis Icelandicio Idoid Indonesiania Interlinguaie Interlingueiu Inuktitutik Inupiakga Irishit Italianja Japanesejv Javanesekn Kannadaks Kashmirikk Kazakhrw Kinyarwanda (Ruanda)ky Kirghizrn Kirundi (Rundi)ko Koreanku Kurdishlo Laothianla Latinlv Latvian (Lettish)li Limburgish ( Limburger)ln Lingalalt Lithuanian

LanguagePreferenceCode (cont) mk Macedonian

mg Malagasyms Malayml Malayalammt Maltesemi Maorimr Marathimo Moldavianmn Mongolianna Naurune Nepalino Norwegianoc Occitan


Data Field Data Definitionor Oriyaom Oromo (Afan, Galla)ps Pashto (Pushto)pl Polishpt Portuguesepa Punjabiqu Quechuarm Rhaeto-Romancero Romanianru Russiansm Samoansg Sangrosa Sanskritsr Serbiansh Serbo-Croatianst Sesothotn Setswanasn Shonaii Sichuan Yisd Sindhisi Sinhalesess Siswatisk Slovaksl Slovenianso Somali


Data Field Data DefinitionLanguagePreferenceCode (cont)

es Spanish

su Sundanesesw Swahili (Kiswahili)sv Swedishtl Tagalogtg Tajikta Tamiltt Tatarte Teluguth Thaibo Tibetanti Tigrinyato Tongats Tsongatr Turkishtk Turkmentw Twiug Uighuruk Ukrainianur Urduuz Uzbekvi Vietnamesevo Volapükwa Walloncy Welshwo Wolofxh Xhosayi Yiddishyo Yorubazu Zulu

LastName Last name of the party in the current nodeLegalCommunityName Legal NFIP Community NameLegalCommunityNumber Legal NFIP Community NumberLenderName Name of the lender of the loanLiability/ AccountName Account name of the liability Liability/ AccountNumber Account number of the liability Liability/ AccountType Account type of the liability

Constant DescriptionCRED Credit LineINST InstallmentMORT Mortgage


OPEN OpenREVOLV Revolving

Liability/ Balance Balance amount of the liability for the co-applicant on a credit orderLiability/ MonthlyPayment Monthly payment of the liability for the co-applicant on a credit orderLiabilityAmount Amount still owed as a liabilityLiabilityType

LicenseAuthorityLevelType License Authority Level TypeConstant DescriptionOther OtherPrivate PrivatePublicFederal Public FederalPublicLocal Public LocalPublicState Public State

LicenseType The type of license held by the appraiser.Constant DescriptionGENAPPR Certified General AppraiserRESAPPR Certified Residential AppraiserLICAPPR Licensed AppraiserNONE None SelectedREGAPPR Registered AppraiserLICTRAPPR Trainee Appraiser (Licensed)


Constant DescriptionBORESTTOTMONLIAPAY Borrower Estimated Total Monthly Liability

PaymentALIMONY AlimonyCHILDCARE Child CareCHILDSUPPORT Child SupportCOLLJUDGANDLIEN Collections Judgments And LiensDEFERSTUDENTLOAN Deferred Student LoanDELIQUENTTAXES Delinquent TaxesFMORTFINANCED First Mortgage Being FinancedGARNISHMENTS GarnishmentsHELOC HELOCINSTALLMENTS InstallmentLEASEPAYMENT Lease PaymentsMORTLOAN Mortgage LoanOPENCHARGEACCT Open 30 Day Charge AccountOTHER OtherREVOLVING RevolvingSEPARATEMAINTPAY Separate Maintenance Payments Owed ToTAXES TaxesUNSHOMIMPLOANINST Unsecured Home Improvement Loan Installment

UNSHOMIMPLOANREV Unsecured Home Improvement Loan Revolving

NLICTRAPPR Trainee Appraiser (Not Licensed)OTHER OtherNMLS National Mortgage Licensing SystemStateLicense License issued by State Agency

LienType Type of LienConstant DescriptionPRIMARY PrimarySTANDALONE Stand AlonePIGGYBACK Piggyback

LineItem/Type Type of Line Item in InvoiceConstant DescriptionOTHER Other/Misc.

ListDate Date the property was listed at the list priceListPrice List price of the propertyLivingArea Amount of square feet of living areas at the propertyLoan/Amount Amount of the loanLoan/ARMInd Yes indicates the loan will be for an Adjustable-Rate Mortgage (ARM).Loan/APR Annual Percentage Rate for the loanLoan/BaseLoanAmount The foundation loan amount upon which loan payments based. If any other charges accrue,

those costs will be added to the Base Loan Amount.Loan/BondLoan Yes indicates the loan is a Bond Loan. A Bond Loan is an interest free loan to help pay the

rental bond or deposit when moving into private rental accommodation.Loan/CEM Yes indicates the loan is a CEM (Consolidation Extension and Modification) Loan/CLTV The combined loan-to-value ratio of the loan. This is often used to determine if one is

eligible to refinance a mortgage, to take out a home equity or a HELOC.Loan/ExpDisbDate Indicates the Expired Disbursement Date, which is the last date the borrowers have to cancel

a mortgage transaction. This normally applies to second mortgages and refinances, usually three business days following Closing or Document execution.

Loan/ Existing Indicates if the loan is an existing loanLoan/InvestorLoanNumber The loan number that is associated with the investorLoan/InvestorLoanNumberType

Constant DescriptionFNMA Fannie MaeFHLMC Freddie Mac

Loan/InvestorName The name of the investor on the laon.Loan/IsFirstTimeHomebuyer Yes indicates this is the borrowers

first time purchasing a home.Loan/LTV The loan-to-value ratio of a loan.Loan/OriginalLoanAmount The initial sum of currency on the loan.Loan/OriginationDate Date of when the loan was started.Loan/Paydown Yes Indicates there is a Paydown on the loanLoan/PaydownAmount The amount of Paydown on the loan.Loan/ Payment Amount of the monthly loan paymentLoan/ Payoff Amount of the loan payoffLoan/PayoffActionTypeOtherDesc

Free form description used to communicate the type of Payoff Action when Payoff Action Type = “OTHER”.


Loan/PayoffType Type of payoffConstant DescriptionFULL FullPARTIAL Partial

Loan/PortfolioLoan Yes indicates the loan is a Portfolio Loan. A Portfolio Loan is a mortgage loan that is held as an investment by a bank, rather than being sold on the secondary market.

Loan/PositionOtherDesc Free form description used to communicate the type of Loan Position when Loan Position = “OTHER”.

Loan/Principal The amount due and owing to satisfy the payoff of the underlying obligation.Loan/ Purpose Purpose of the loan

Constant DescriptionAUCTION AuctionEQUITY EquityHELOC HELOCLEASE LeaseholdLOANMOD Loan ModNA Not ApplicableNEWCON New ConstructionNOEQTY No Equity LoanOTHER OtherREFI RefinanceRELO RelocationREO REOSALE Purchase/Sale

Loan/PurposeOtherDesc Free form description used to communicate the type of Loan Purpose when Loan Purpose = “OTHER”.

Loan/ReApplicationDetail/CustomerOriginalLoanIdentifier

Represents the loan identifier that is associated with a ReApplication transaction. This identifier may be used to link previous transaction to the new application.

Loan/ReApplicationDetail/IsLoan/ReApplicationIndicator

When yes identifies that the request represents a loan application that is considered a “re-application” by the lender partner and may drive specific workflow based on rules associated with a “reapplication”.

Loan/ReApplicationDetail/RealECAssociatedSequenceIdentifier

Represents the Exchange Sequence identifier assigned to the original service request.

Loan/ReApplicationDetail/RealECAssociatedTransactionIdentifier

Represents the Exchange Transaction Identifier assigned to the original service request.

Loan/Reference Reference number for the loan (Loan Number)Loan/RelationshipLevel Indicates the loan handling preference.Loan/SubPrimeInd Yes indicates the loan is a Subprime Loan.Loan/ Term Length of the loan term


Loan/Type Type of loanConstant DescriptionCONV ConventionalFHA FHAFMHA FMHAINS Conventional InsuredLOCALAGENCY Local AgencyLTV 125% LTVNA Not ApplicableNOLOAN No LoanOTHER OtherPUBLICANDINDIANHOUS Public and Indian Housing

(Marked for Future Deprecation)PUBLICANDINDIANHOUSING Public and Indian HousingREVERSEMORT Reverse MortgageSTATEAGENCY State AgencyUNINS Conventional UninsuredUSDA USDAVA VA

Loan/TypeOtherDesc Free form description used to communicate the type of Loan Type when Loan Type = “OTHER”.

LoanAmortizationPeriodType Loan Amortization Period Constant DescriptionBiweekly Biweekly PaymentsDay Daily PaymentsMonth Monthly PaymentsQuarter Quarterly PaymentsSemimonthly Semimonthly PaymentsWeek Weekly PaymentsYear Yearly Payments

LoanAmortType Loan Amortization TypeConstant DescriptionADJUST AdjustableRate FIXED Fixed GEM GrowingEquityMortgageGPM GraduatedPaymentMortgage GRADUATEDPAYMENTARM Periodic payments/rate changes with

additional specified principal and interest changes as documented in the Security Instruments.

OTHERAMORT OtherAmortizationTypeRATEIMPROVEMENTMORTGAGE

A type of flexible mortgage where the interest rate may decrease based on payment history

STEP Fixed periodic payment/rate changes without subsidy or negative amortization.


LoanNotificationRoleConfigurationType

Loan Notification Role Configuration TypeConstant DescriptionNotificationAndSearch Identifies the request is to configure the individual

with notification and view within search results functionality for all orders associated with the loan.

NotificationOnly Identifies the request is to configure the individual with no functionality other than notification for all orders associated with the loan.

SearchOnly Identifies the request is to configure the individual with no functionality other than allowing all orders associated with the loan to display in their search results

Owner Indicates that individual should be made the owner of the order, within RealEC’s systems, for their associated Entity Party.

LoanRepayType Loan Repayment TypeConstant DescriptionINTONLY InterestOnly NONEGAMORT NoNegativeAmortization POTNEGAMORT PotentialNegativeAmortization SCHEDAMORT ScheduledAmortization SCHEDNEGAMORT ScheduledNegativeAmortization

Locality Type of location of the propertyConstant DescriptionDISTSUB Distant SuburbFARM FarmOTHER OtherRESORT ResortRURAL RuralSMTOWN Small TownSUBURB SuburbanURBAN Urban

Location Description of the locationLockBox Indicates if the property is secured with a lock boxLockBoxCombo Combination to the lock box on the propertyLocType Type of location

Constant DescriptionBORO BoroughCOUNTY CountyTOWN Township

LOMA Letter of Map Amendment / Letter of Map Revision Indicator LOMAInd FEMA flood form indicatorLoanStateType Identifies the state in time of the information associated with a Loan occurance.

Constant DescriptionAtAssumption A snapshot of the loan data at the time a loan

is assumed.AtBankruptcyFiling A snapshot of the loan data at the time a

borrower files for bankruptcy.AtClosing A snapshot of the loan data at the completion

of the closing process. This is sometimes


Constant Descriptionreferred to as "original".

AtConstruction A snapshot of the loan data throughout the construction phase of the loan.

AtConversion For loans with a conversion option, a snapshot of the loan data at the time the conversion features become effective (e.g., biweekly to monthly payments; adjustable to fixed rate amortization).

AtEstimate A snapshot of the loan data at the point in time when a loan estimate is disclosed.

AtModification For loans which undergo term modifications not originally specified in the note, a snapshot of the loan data at the time the new note terms become effective.

AtRelief For loans subject to payment relief, a snapshot of the loan data at the time the relief is initiated.

AtReportingCycleBeginning A snapshot of the loan data at the point in time that represents the beginning of a reporting cycle.

AtRepurchase A snapshot of the loan data at the time a loan is repurchased.

AtReset For balloon mortgages with a reset feature, a snapshot of the loan data on the balloon maturity date at the time the borrower exercises the reset option to modify and extend the balloon note.

AtSecurityIssuance A snapshot of the loan data at the point in time that represents the issuance of a security containing the loan.

AtTransfer A snapshot of the loan data as of the effective date of the servicing transfer.

AtTrial A snapshot of the loan data at the initiation of a trial period for a workout modification.

AtUnderwriting A snapshot of the loan data at the point at which the underwriting recommendation is made.

Current A snapshot of the loan data as of the "Loan State Date".

LoanStatusType Describes where a loan is in the processConstant DescriptionDOCUMENTPREPARATION Document PreparationCLOSED ClosedTOWN TownshipWITHDRAWN The withdrawal of the loan by the lender or

borrower.OTHER Used when LoanStatusType needed is not

part of the enumerated list.

LossIndicator Indicates if lossLot Lot of the propertyLotSize Size of the lot at the property


LotSizeUnit Unit of measurement for the size of the lot at the propertyConstant DescriptionACRE AcresSQFT Square Feet

MailCarrierType Type of Mail CarrierConstant DescriptionUSPS.FirstClass USPS First Class MailUSPS.Priority USPS Priority MailFEDEX.StandardOvernight FEDEX Standard OvernightFEDEX.2Day FEDEX 2 day FEDEX.ExpressSaver Not available for ReplyCarrierType.UPS.StandardOvernight UPS Standard OvernightUPS.2Day UPS 2-DayUPS.3DaySelect UPS

MannerTitleHeld The Manner the Property’s title is currently heldConstant DescriptionPROP Community PropertyENTI Tenancy by the EntiretyJOIN Joint TenancySURV Join with Rights of SurvivorshipPART Tenancy in PartnershipTRUS TrustOWN Sole OwnershipCOMM Tenancy in CommonWILL Tenancy at WillLAND Land TrustLIFE Life Estate Tenant

ManufacturedHomeSectionType

Manufactured Home Section TypeConstant DescriptionSectionOne Section OneSectionTwo Section TwoSectionThree Section ThreeSectionFour Section FourOther Other used when a ManufacturedHomeSectionType

is not defined in the enumeration. ManufacturedHomeWidthType Specifies the common size (width) designation of a Manufactured home.

Constant DescriptionMultiWide Multi wideSingleWide Singlewide

MapNumber NFIP Map Number of Community-Panel NumberMapPanelDate NFIP Map Panel Effective / Revised Date


MaritalStatusMaritalStatusType

Current marital status of the selected partyConstant DescriptionDIVC DivorcedDOMESTICPARTNERCIVILUNION Domestic Partner Civil UnionMARR MarriedOTHER OtherSEP SeparatedSGL SingleUNKN UnknownWIDO Widowed

MatchedDataType Contains values for Matched Data Types for Provider Registration Potential DuplicatesConstant DescriptionALTAIdentifier ALTA IdentifierEntityName Entity NameEntityPhone Entity PhoneEntityPostalCode Entity Postal CodeIndividualEmail Individual EmailIndividualFirstName Individual First NameIndividualLastName Individual Last NameLenderUniqueIdentifier Lender Unique Identifier

MaturityPeriodType The type of period relating to the Loan Maturity.Constant DescriptionBIWEEKLY Bi-WeeklyDAY DayMONTH MonthQUARTERLY QuarterlySEMIMONTHLY Semi-MonthlyWEEK WeekYear Year

MarketCondition Condition of the property values in the neighborhoodConstant DescriptionDEPR DepreciatingAPPR AppreciatingSTABLE Stable

MarketingComments Comments regarding the marketing strategyMarketValue Current value of the property within the marketMarketLandValue Current value of the land within the marketMarketImprovementValue Current value of improvements within the marketMarketValueYear Year of current market value of the propertyMaximumDateTime Date and time the documents must be executed beforeMemoBillComment Additional information about the bill

MgmtGroup(Appraisal 387 Form 2090_05)(Appraisal 387 Form 2095_05)

Appraisers data source for cooperative project information.Constant DescriptionAGENT Management AgentBOARD Cooperative BoardDEV Sponsor/Developer


MgmtGroup(Appraiser 387 all other Forms)

Appraisers Data SourceConstant DescriptionHOA Homeowner AssociationDEV DeveloperAGENT Agent

MHOverallQuality Type Constant DescriptionAVG AverageEXCLNT ExcellentFAIR FairGOOD GoodPOOR Poor

MiddleName Middle name of the party in the current nodeMinimumDateTime Date and time the documents must be executed afterMotherMaidenName Mother’s maiden name for security purpose on credit orderMSA Metropolitan Statistical Area codeName Full name of the party for the current nodeNFIP Emergency Indicates Community is participant in NFIP Emergency ProgramNBHDBuildUpType Type of Neighborhood Build-Up

Constant DescriptionOVER75 Over 75%25TO75 25% TO 75%UNDER25 Less than 25%

NBHDDemandSupplyType Type of Neighborhood SupplyConstant DescriptionSHRTG Supply ShortageBAL Supply BalanceOVR Supply Over

NBHDGrowRateType Type of Neighborhood Growth RateConstant DescriptionRAPID RapidSTBL StableSLOW Slow

NBHDLocationType Type of Neighborhood LocationConstant DescriptionRURAL RuralSUBURB SuburbanURBAN Urban

NBHDMktTimeType Neighborhood Market TimeConstant DescriptionUNDR3 Under 3 Months3TO6 3 to 6 MonthsOVER6 Over 6 Months

NBHDPropValueType Status of Neighborhood Property ValuesConstant DescriptionDECL DeclineINCR IncreaseSTBL Stable


NetAdjTotalPlusMinus Type of Total Net AdjustmentConstant DescriptionMINUS MinusPLUS Plus

NFIPCommunityParticipants Indicates Community is NFIP participantNFIPRegular Indicates Community is participant in NFIP Regular ProgramNoMap Indicates no map availableNonResidentialPropertyType Non-Residential Property Type

Constant DescriptionCommercialNonResidential Commercial Non-ResidentialChurch ChurchFarm FarmHomeAndBusinessCombined Home and Business CombinedMixedUseResidentail Mixed Use ResidentialMultipleFamilyMorThanFourUnits Multiple Family More than Four UnitsOther Other used when a NonResidentialPropetyType

is not in the enumeration.VacantLand Vacant Land

OfferContingencyType The kind of contingency that must be met to complete the transactionConstant DescriptionAppraisal AppraisalBuyerFinancingApproval Buyer Financing ApprovalEnvironmentalRemediation Environmental RemediationHomeInspection Home InspectionOther OtherSaleOfBuyersExistingHome Sale of Buyers Existing HomeSubjectToRepairs Subject to RepairsThirdPartyApproval Third Party Approval

Occupancy Owner occupancy statusConstant Description2ND-RES 2nd HomeABANDONED AbandonedADVERSEOCCUPIED Adverse OccupiedNON-OWNER Non-OwnerOWNER OwnerREMOVEDORDESTROYED Removed Or DestroyedTENANT Tenant OccupiedUNKNOWN UnknownVACANT VacantOTHER Other

OccupantType

OccurDate Date and time the event actually occurred


Constant DescriptionOWNER OwnerTENANT TenantTENMKT Tenant (Market Rent)TENREG Tenant (Regulated Rent) VACANT Vacant

OfferContingencyType The type of contingency that must be meet to complete the transaction.

OffSiteImprAlleyType Type of Alley ImprovementConstant DescriptionPUB PublicPRIV Private

OffSiteImprStreetType Type of Street ImprovementConstant DescriptionPUB PublicPRIV Private

OpenEnded Indicates if the loan remains open without maturity dateOperationType Constant Description

Add AddRemove Remove

OrderInsurance Indicates if insurance is ordered with the Closing Escrow ProductOrderPaymentResponsiblePartyType

Identifies the type of party responsible for the payment.Constant DescriptionBROKER BrokerBORROWER Borrower

OrderPayoff Indicates if payoffs are ordered with the Closing Escrow ProductOriginalListDate Date the property was first listed at the original list priceOriginalListPrice List price of the property when first listedOverrideAllowed Data point utilizes data type enumeration QAYesNoValues

Constant DescriptionYES YesNO No

OverrideDecisionCode Constant DescriptionOD001 Override automatically approvedOD002 Override request accepted, Submitters delegated authority acceptedOD003 Override request denied, Resubmit a corrected appraisal file

OverrideEmail An ad-hoc email addressed used for notifications with User FunctionOwnershipInsterestType Constant Description

GreaterThanOrEqualTo25Percent Greater Than or Equal To 25 PercentLessThan25Percent Less Than 25 PercentOther Other


Constant DescriptionAppraisal AppraisalBuyerFinancingApproval Buyer Financing ApprovalEnvironmentalRemediation Environmental RemediationHomeInspection Home InspectionOther OtherSaleOfBuyersExistingHome Sale of Buyers Existing HomeSubjectToRepairs Subject to RepairsThirdPartyApproval Third Party Approval

PackagingType Constant DescriptionCustom This is only available when MailCarrierType = USPS.PriorityEnvelopeLetter This is only available when MailCarrierType is either USPS.FirstClass

or FEDEX.2Day or FEDEX.ExpressSaver LegalEnvelope This is only available when MailCarrierType is either USPS.PriorityPackage This is only available when MailCarrierType is either USPS.FirstClass

or FEDEX.2Day or FEDEX.ExpressSaver or UPS.2Day or UPS.3DaySelect

Page Number of the Ledger where recorded document is registered with the County.Pager Pager number ParcelIdentificationType Constant Description

AssessorUnformattedIdentifier Free form identifier assigned to the parcel by the property assessment agency associated with the taxing authority. For example a school district may use the county level assessor.

CertificateOfTitle An identifier associated with a certificate of title, which is a state or municipal-issued document that identifies the owner or owners of personal or real property. A certificate of title provides documentary evidence of the right of ownership.

Other To be used when a value is not in the enumerations.ParcelIdentificationNumber A number assigned to parcels of real property by the tax

assessor of a particular jurisdiction for purposes of identification and record-keeping. The assigned number is unique within the particular jurisdiction, and may conform to certain formatting standards that convey basic identifying information such as the property type or location within the plot map.

TaxMapIdentifier An identifier for a parcel of land also known as the District, Section, Block and Lot numbers without punctuation.

TaxParcelIdentifier A number for a division of land developed for the sole purpose of creating a complete, accurate, and equitable unit of taxation in support of taxpayers, contributing a fair share of support for the community services received.

TorrensCertificateIdentifier A unique identifier assigned to a Torrens Certificate by a governing entity. These certificates allow for the transfer of property without requiring a title search to be completed first.

ParcelTaxID Parcel Tax IdentificationParticipantType Defines an individual or entity that is involved at any time in the loan process. Utilized by

Data Verify Products in the Risk Mgt (Fraud) Product Type.Constant DescriptionACCOUNTEXECUTIVE Account ExecutiveAPPLICANTSATTORNEY Applicants AttorneyAPPRAISALCOMPANY Appraisal CompanyAPPRAISALCOMPANY2 Appraisal Company 2APPRAISALREVIEWER Appraisal ReviewerAPPRAISALREVIEWERCOMPANY Appraisal Reviewer CompanyAPPRAISALTRAINEECOMPANY Appraisal Trainee Company


APPRAISALUNDERWRITER Appraisal UnderwriterAPPRAISER AppraiserAPPRAISER2 Appraiser 2APPRAISERTRAINEE Appraiser TraineeATTORNEY AttorneyATTORNEYCOMPANY Attorney Company

BANKATTORNEY Bank AttorneyBROKER BrokerBUILDER BuilderBUILDERCOMPANY Builder CompanyCLOSER CloserCLOSER2 Closer 2CLOSINGCOMPANY Closing CompanyCONDOPROJECTNAME Condo Project NameCONSUMERNAMEAKA Consumer Name AKACONSUMERNAMEAKA2 Consumer Name AKA 2CONSUMERNAMEAKA3 Consumer Name AKA 3CONSUMERNAMEAKA4 Consumer Name AKA 4CONTRACTOR ContractorCONTRACTOR2 Contractor 2CONTRACTORCOMPANY Contractor CompanyCONTRACTORCOMPANY2 Contractor Company 2CORRESPONDENTLENDER Correspondent LenderCPATAXPREPARER CPA/Tax PreparerCPATAXPREPARERCOMPANY CPA/Tax Preparer CompanyCREDITBUREUCOMPANY Credit Bureau CompanyESCROWCOMPANY Escrow CompanyFHACONSULTANT FHA ConsultantFHAHUD203KCONSULTANT FHA InspectorFHAINSPECTOR FHA/HUD 203k ConsultantGIFTDONER Gift DonorGIFTDONER2 Gift Donor 2

HOMEOWNERSINSURANCECOMPANYHomeowners Insurance Company

HOMEOWNERSINSURANCECONTACT Homeowners Insurance ContactLANDLORD Land lordLANDLORDCOMPANY Landlord CompanyLENDER LenderLISTINGREALESTATEOFFICE Listing Real Estate OfficeLISTINGREALTOR Listing RealtorLISTINGREALTOR2 Listing Realtor 2LISTINGREALTOR3 Listing Realtor 3LOANOFFICER Loan OfficerLOANOFFICER2 Loan Officer 2


LOANORIGINATOR Loan OriginatorLOANTITLEHOLDER Loan Title HolderLOANTITLEHOLDER2 Loan Title Holder 2LOANTITLEHOLDERCOMPANY Loan Title Holder 2 CompanyLOANTITLEHOLDERCOMPANY2 Loan Title Holder CompanyNOTARY NotaryPOST-SERVICINGPURCHASER Post-Servicing PurchaserPOWEROFATTORNEY Power of AttorneyPRIVATEBANKER Private BankerPROCESSOR ProcessorPROCESSOR2 Processor 2SELLER SellerSELLER2 Seller 2SELLER3 Seller 3 SELLER4 Seller 4SELLERATTORNEY Seller AttorneySELLERATTORNEYCOMPANY Seller Attorney CompanySELLERCOMPANY Seller CompanySELLERCOMPANY2 Seller Company 2SELLERREALESTATEOFFICE Selling Real Estate OfficeSELLERREALTOR Selling RealtorSELLERREALTOR2 Selling Realtor 2SELLERREALTOR3 Selling Realtor 3SETTLEMENTAGENT Settlement AgentSETTLEMENTCOMPANY Settlement CompanySHORTSELLBUYER Short Sale BuyerSUPERVISORYAPPRAISER Supervisory AppraiserTHIRDPARTYNEGOTIATOR Third Party Negotiator

THIRDPARTYNEGOTIATOR2 Third Party Negotiator 2

THIRDPARTYNEGOTIATORCOMPANYThird Party Negotiator Company

THIRDPARTYNEGOTIATORCOMPANY2 Third Party Negotiator Company 2

THIRDPARTYORIGINATOR Third Party OriginatorTITLECOMPANY Title CompanyTITLEUNDERWRITER Title UnderwriterTITLEUNDERWRITERCOMPANY Title Underwriter CompanyUNDERWRITER UnderwriterUNDERWRITER2 Underwriter 2WEALTHADVISOR Wealth Advisor


Party/Types Constant DescriptionACCTEXEC Account ExecutiveAPP ApplicantAPPRAISALCOMPANY Appraisal Company*APPRAISER AppraiserAPPRAISERSUPERVISOR Appraiser SupervisorAPPRAISERTRAINEE Appraiser Trainee*ATNY AttorneyATTORNEYINFACT Attorney In FactAUTHORIZEDREP Authorized RepresentativeBLDR BuilderBLDRCOMPANY Builder Company*BORR Buyer/BorrowerBORRREP Borrower RepresentativeBORRTRANS Borrower TranslatorBYAGNT Buying AgentCFDS Case File Data ServiceCLOSINGAGENT Closing AgentCOAPP Co ApplicantCORRESPONDENTLENDER Correspondent LenderCPATAXPREPARER CPA Tax Preparer*GIFTDONOR Gift Donor*HAZARDINSURANCECO Hazard Insurance CompanyHUD1SETTLEMENTAGENT HUD1 Settlement AgentINVESTOR InvestorLEND LenderLENDERBRANCH Lender BranchLOANCONT Loan ContactLOANOFF Loan OfficerLOANORIGINATOR Loan OriginatorLOANPRO Loan ProcessorLOANTITLEHOLDERCOMP Loan Title Holder Company*LSAGNT Listing AgentMORT Mortgage BrokerNOTARY NotaryOTHER OtherPROPMGR Property ManagerREAL RealtorREALESTATECOMPANY Real Estate Company*ReceivingParty Identifies the Party as the Recipient of the

Document(s) for Document Delivery service.RespondToParty Identifies the Party to whom a response should

be delivered. The delivery method maybe electronic or physical. Example is Document(s) delivered to Recipient(s) with information on whom to deliver signed Document(s).

REQUESTINGPARTY Requesting PartySELL SellerSELLERATTORNEY Seller Attorney*SELLINGCOMPANY Selling Company*ServiceProvider A Party that is used by Lenders to provide

specific service ordered by the Lender for this RealEC-XML Data Dictionary, August 2021 Release 2021-08 v1.0 of 134

Loan.SETTLEMENTCOMPANY Settlement CompanySHORTSALEBUYER Short Sale Buyer*SPOUSE SpouseSOURCE SourceSRVCR ServicerStrategicIntegrationPartner A Software Provider that has a strategic

integration with Exchange.SubmittingParty Identifies the Party to who initiated the event or

order being delivered. It is the user that is logged in and performing the action.

TITLECOMPANY Title CompanyTITLEOFF Title OfficerTITLEUNDERWRITER Title UnderwriterTHIRDPARTYORIGINATOR Third Party OriginatorUNDERWRITER UnderwriterUNDERWRITINGCENTER Underwriting CenterVEND Vendor*Identifies values added to support Risk Mgt. Fraud specific functionality. Values considered deprecated and not recommended for usage.


PartyRoleTypes Constant DescriptionAggregator A person or organization that buys mortgages and creates large

pools of mortgages for sale on the secondary market.AppraisalReviewer A person assigned to review the delivered appraisal product on

behalf of the appraisal requestor.Appraiser Someone who determines the fair market value of property, real

or personal. AppraiserSupervisor

Responsible for the training, guidance, and direct supervision of the Trainee Appraiser

AssignFrom The individual or entity providing a job or duty.AssignTo The individual or entity given a job or duty.Attorney A person admitted to practice law in at least one jurisdiction and

authorized to perform criminal and civil legal functions on behalf of clients.

AttorneyInFact A person who is authorized to act as agent or attorney on behalf of another person.

AuthorizedRepresentative

A party that acts as an intermediary or representative for another party.

AuthorizedThirdParty

An individual or legal entity that has been authorized by the borrower to speak on their behalf in matters concerning the loan.

BankruptcyFiler The party who initiates a bankruptcy filing.BankruptcyTrustee The individual or legal entity that is in charge of administering

the bankruptcy case.

BeneficialInterestParty

Person or organization who has the beneficial interest in the deed of trust.

BillToParty The person or company responsible for paying for a good or service.

Borrower The entity that is requesting a loan to purchase property.

Builder A person whose job is to construct or repair houses, or to contract for their construction and repair.

Client A person or organization using the services of a professional person or company.

ClosingAgent The legal entity responsible for executing legally binding documents regarding a lien on property that is subject to a mortgage loan. This process may also be called 'closing ', 'escrow' or 'settlement' in different jurisdictions.

Conservator The person or entity who is appointed to manage the financial affairs of someone who is not capable of managing their own affairs, like for a child or mentally incompetent person.


PartyRoleType (Cont) ConsumerReportingAgency

A party which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. The consumer reports are used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumer's eligibility for: (a) credit or insurance to be used primarily for personal, family, or household purposes; (b) employment purposes; or (c) any other purpose authorized under the Fair Credit Reporting Act (FCRA), section 604 [15 U.S.C. Section 1681b]. (Source: Fair Credit Reporting Act, section 603 [15 U.S.C. Section 1681a])

CooperativeCompany

Cooperative Company is the legal entity of the housing cooperative.

CorrespondentLender

A correspondent lender originates, and unlike a mortgage broker, underwrites, and funds mortgage loan using their own funds.

Cosigner Serves as an additional repayment source for the primary borrower.

CreditCounselingAgent

The individual or legal entity that provides credit counseling.

CreditEnhancementRiskHolder

In the provision of credit enhancement, secondary to primary MI, the holder of the loss in accordance with the credit enhancement type.

CustodianNotePayTo

Financial institution responsible for receiving payments for a Note.

DeliverRescissionTo

The entity or individual the Right to Rescind will be delivered to

DebtCollector A legal entity that is in the business of recovering funds that are owed on delinquent accounts.

Defendant The party sued or accused in a court of law

DesignatedContact An individual designated by a party as their specified contact.

DocumentCustodian

An institution that accepts delivery of, verifies and maintains the original Notes and assignments of the Security Instruments.

ENoteController Controller of the enote in the e mortgage registry.ENoteControllerTransferee

The party to whom control is being transferred.

ENoteCustodian A member of the eRegistry that maintains the Authoritative Copy of the eNote either as Controller or as a custodian on behalf of the Controller.

ENoteCustodianTransferee

The party to whom custody is being transferred.


PartyRoleType (cont) ENoteDelegateeForTransfers

A member of the eRegistry that is authorized by the Controller to perform certain transfer transactions on behalf of the Controller.

ENoteRegisteringParty

The party initiating the registration transaction.

ENoteServicer A member of the eRegistry that is authorized by the Controller to perform certain MERS eRegistry transactions on the Controller's behalf. The Servicer on an eNote record can submit Change Data and Change Status transactions.

ENoteServicerTransferee

The party to whom servicing is being transferred.

ENoteTransferInitiator

The party initiating the transfer transaction.

Executor The person or entity named in a will who has the responsibility of carrying out the terms of the will (that is, collecting the will maker's assets, paying the debts, and distributing the remaining assets to the beneficiaries)

FHASponsor An entity insured by the Federal Housing Administration (FHA) to issue FHA loans.

FloodCertificateProvider

Entity that provides documents that state the flood zone status of real property.

FulfillmentParty Entity that provides the Service Product ordered.GiftDonor The party who has donated gift(s) that can be used by the loan

applicant for down payment or other expenses.

Grantee The party to whom a transfer or conveyance of property is made. The buyer is commonly known as the grantee.

Grantor The party who conveys or transfers ownership of property. The seller is commonly known as the grantor.

Guarantor A third party who does not sign the debt obligation, but contractually promises to provide payment on a bond, loan, or other liability in the event of default.

HazardInsuranceAgent

Individual providing insurance that protects a property owner against damage caused by fires, severe storms, earthquakes or other natural events.

HazardInsuranceCompany

Entity providing insurance that protects a property owner against damage caused by fires, severe storms, earthquakes or other natural events.

HomeownersAssociation

A legal entity that manages the common areas of a planned unit development, cooperative or condominium.


PartyRoleType (Cont) HousingCounselingAgency

The legal entity who addresses a client's unique financial circumstances or housing issues and focuses on ways of overcoming specific obstacles to achieving a housing goal.

HousingCounselingAgent

Individual who addresses a client's unique financial circumstances or housing issues and focuses on ways of overcoming specific obstacles to achieving a housing goal.

HUD1SettlementAgent

The party specified as the Settlement Agent on the HUD-1.

Interviewer A person who interviews someone, especially as a jobInterviewerEmployer

A entity interviewing someone, especially as a job

Investor A person or organization that purchases mortgages as an investment.

IRSTaxFormThirdParty

Third party providing IRS Tax Forms.

LawFirm A business that is engaged in the practice of law.Lender An organization or person that lends money.LenderBranch In respect of each Lender, its office or branch at the address set

out beneath its name in schedule 1.

LienHolder A lender that legally owns your property until you pay it off in full.

ListingRealEstateAgent

The agent that listed the property and represents the Seller.

LoanCloser A representative of a bank, credit union, or other financial institution who is the primary contact for preparing the closing package.

LoanDeliveryFilePreparer

The individual preparing the Loan data file for delivery.

LoanFunder A representative of a bank, credit union, or other financial institution who authorizes disbursement of loan funds.

LoanOfficer A licensed representative of a bank, credit union, or other financial institution, who assists borrowers in finding and acquiring loans.

LoanOriginationCompany

The entity that originated the loan.

LoanOriginator The individual at the entity that originated the loan.LoanProcessor A representative of a bank, credit union, or other financial

institution who, under the supervision, direction, and instruction of loan officers, performs clerical or support duties.

LoanSeller A bank or entity, under contract for all or part of the cash stream from a specific loan, thereby selling the loan to remove the loan from the bank's balance sheet.

LoanUnderwriter A representative of a bank, credit union, or other financial institution who reviews all verified information collected in loan processing and then, based on the lender’s guidelines and practical experience, evaluates whether or not the loan is a good risk.


PartyRoleType (cont) LossPayee The party to whom the claim from a loss is to be paid.ManagementCompany

A company that is set up to manage a group of properties, a mutual fund, an investment fund, etc.,

MICompany Mortgage Insurance CompanyMortgageBroker An intermediary who brings mortgage borrowers and mortgage

lenders together but does not use its own funds to originate mortgages.

NonTitleNonSpouseOwnershipInterest

An individual who has a beneficiary or ownership interest in the property but does not hold title and is not a spouse in a legally recognized marriage, such as in states that recognize common law marriage.

NonTitleSpouse Individual associated with the borrower, usually the spouse, who is not obligated on the loan nor are they a title holder on the subject property. Nevertheless, they have certain rights with regard to the loan and disposition of the property.

Notary A person authorized to perform certain legal formalities, especially to draw up or certify contracts, deeds, and other documents for use in other jurisdictions.

NotePayTo An entity the borrower pays the note payable to.NotePayToRecipient

An Individual the borrower pays the note payable to.

Other Other used when PartyRoleType is not present in the current enumerations.

Payee A person to whom money is paid or is to be paid, especially the person to whom a check is made payable.

Plaintiff The party who initiated a case against another in a court of law

PoolInsurer The legal entity that provides the insurance for the pool.

PoolIssuer Identifies the role of the organization that created the pool.

PoolIssuerTransferee

Identifies the role of the organization to whom the pool was transferred

PreparedBy The individual making something ready for use.ProjectDeveloper An individual or entity working with a team to bring an idea

from concept to completed construction.

ProjectManagementAgent

The individual or entity appointed by the client and who has full authority and obligation to act in terms of the construction contracts.

PropertyAccessContact

The person that can provide access to the property.

PropertyJurisdictionalAuthority

Refers to the jurisdictional authority that has dominion over the property.

PropertyOwner The property owner of public record.


PartyRoleType (Cont) PropertyPreservationAgent

A person or legal entity contractually responsible for maintaining, managing and preserving the residential real estate property that is owned by another party or entity. They are typically used by a Servicer when the property is abandoned, vacant or about to be vacated.

PropertyPurchaser The individual or legal entity that will purchase or has purchased the property and is not a borrower on the subject loan.

PropertySeller Entity selling the propertyRealEstateAgent A person who sells and rents out buildings and land for clients.

ReceivingParty Identifies the Party as the Recipient of the Document(s) for Document Delivery service.

RegistryOperator A network information center (NIC) that maintains all administrative data of the domain and generates a zone file which contains the addresses of the named servers for each domain.

RegulatoryAgency A party that provides regulatory oversight.RequestingParty The Party submitting a request for or having received

information from the requested Party.

RespondingParty The party responsibleRespondToParty Identifies the Party to whom a response should be delivered.

The delivery method maybe electronic or physical. Example is Document(s) delivered to Recipient(s) with information on whom to deliver signed Document(s).

ReturnTo Party to give, put, or send (something) backReviewAppraiser Responsible for developing an opinion about the quality of

another appraiser's work that was performed as part of an appraisal.

SecurityIssuer The entity that creates and issues an asset backed security for sale on the open financial market.

SellingRealEstateAgent

The agent that sold the property and represents the Buyer (may also be known as the Buyer’s Agent)

ServiceBureau A company that provides business services for a feeServiceProvider A Party that is used by Lenders to provide specific service

ordered by the Lender for this Loan.

Servicer An organization that collects debt payments on behalf of a lender.

ServicerPaymentCollection

A company (mortgage bank, servicing firm, etc.) collects interest, principal, and escrow payments from a borrower.

Settlor The party who establishes the trust and transfers the original assets, such as the subject property, into the trust for the trustee to hold and manage on behalf of the trust. Also referred to as the trustor or grantor of the trust.

Spouse A husband or wife, considered in relation to their partner.


SubmittingParty Identifies the Party to who initiated the event or order being delivered. It is the user that is logged in and performing the action.

SuccessorInInterest An individual or legal entity that has acquired ownership rights to a property. For example, as the result of a death of a borrower, separation or divorce, certain trusts or spousal transfers. The CFPB considers these to be a protected class that must be included in servicer communications.

TaxableParty The individual or entity taxed on income or profits.TaxAssessor The authority tasked with assessing value for taxation purposes

on behalf of a governmental agency for an area, city, municipality, or county that has its own distinct taxing regulations with the power to levy and collect taxes on real property.

TaxCollector The authority tasked with collecting taxes on behalf of a governmental agency for an area, city, municipality, or county that has its own distinct taxing regulations with the power to collect taxes on real property.

Taxpayer A person who pays taxes.TaxServiceProvider Aggregator for all taxing authorities associated with the

property.

TaxServicer Entity providing a wide range of services, from basic assessment and exemption assistance, to complex tax analysis for the county, towns, villages and school districts

ThirdPartyInvestor An individual or entity that is involved in a transaction but is not one of the principals and has a lesser interest.

ThirdPartyOriginator

Entity used by a lender to underwrite, process, close or package the mortgages.

TitleCompany The legal entity which is responsible for issuing the title insurance policy on behalf of the title underwriter. This entity may be an individual title agent, a corporate title agency, or a direct operation of a title underwriter.

TitleHolder The person who has the right to own a property and has a document to prove this.

TitleUnderwriter The legal entity which is the insurance underwriting company assuming coverage risk under the title insurance policy.

Trust A legal entity that holds funds, assets or real property for the benefit of another.

TrustBeneficiary The individual or group of individuals for whom a trust is created.

Trustee The party selected by the beneficiary of the Deed of Trust or the settlor/grantor/trustor/ of a trust to oversee and manage the assets held in trust for the benefit of the named beneficiaries. An individual or a financial institution can serve as trustee.

Unspecified An individual or legal entity whose role is not germane or cannot be immediately ascertained with respect to an event.


WarehouseLender A loan originator given a line of credit to pay a mortgage for a borrower’s purchased property.

Witness One asked to be present at a transaction so as to be able to testify to its having taken place.

PaydownAction Paydown provided by

PaymentFrequencyType Payment Frequency TypeConstant DescriptionBiweekly Biweekly PaymentsDay Daily PaymentsMonth Monthly PaymentsQuarter Quarterly PaymentsSemimonthly Semimonthly paymentsWeek Weekly paymentsYear Yearly payments

OtherUsed when another frequency of payment is used that is not defined in the enumerations.

Payoff Is loan to be paid off? Yes/ NoPayoffAction Payoff Action provided by

Constant DescriptionLEND LenderTITLE Title CompanyOTHER OtherLENDERORDERBOTHPAYOFFSUBORDINATE

Lender Ordered both Payoff and Subordinate

LENDERORDERPAYOFF Lender Ordered PayoffLENDERORDERSUBORDINATE Lender Order Subordinate

TITLECOMPANYORDERBOTHPAYOFFSUBORDINATE

Title Company Ordered both Payoff and Subordinate

TITLECOMPANYORDERPAYOFF Title Company Ordered PayoffTITLECOMPANYORDERSUBORDINATE

Title Company Ordered Subordinate

PayorTypeConstant DescriptionSender Internal Black Knight account is used; Black Knight will

invoice these charges to the sending party.ThirdParty The sender will provide with an account number and billing

address to use for shipping.PayPeriodFrequencyType

Constant DescriptionAnnually AnnuallyBiweekly Bi-WeeklyDaily DailyMonthly MonthlyQuarterly QuarterlySemiannually Semi-AnnuallySemimonthly Semi-MonthlyWeekly Weekly

PayPlanIndicator Indicates if a pay plan exists


PayPlanNumber Number or reference value of the pay planPayPlanStatus Current status of payment plan

Constant DescriptionCURRENT CurrentDEFAULT Default

PayStatus Current status of paymentConstant DescriptionPD PaidUNPD Unpaid

PDFFormatOptiona Indicates the PDF Format Option to be used by the provider for sending the Good Faith Estimate.Constant DescriptionPROVIDERFORMAT Provider Format

PenaltyInterestAmount Amount of the interest penalty on the tax amountPercentOwnerOccupied Percent value of homes occupied by owner in neighborhoodPercentVacant Percent value of homes vacant in neighborhoodPermissiblePurpose Constant Description

CREDIT In connection with the extension of CreditCONSUMER In connection with the review or collection of a consumer accountUNDERWRITING In connection with the underwriting of insurance involving the

consumerVALUATION As a potential investor or services or current insurer in connection

with a valuation of, assessment of credit or repayment risks associated with an existing credit obligation

PermResident Indicates if a party is Permanent ResidentPhase Phase of the propertyPhone Phone number PINAPN Assigned property by the tax assessor as PIN, APN, Tax ID, or TIN.PlatType Constant Description

CertifiedSurveyMap A minor subdivision of land used to create no more than four new parcels in a five year period.

Condominium Single, individually-owned housing unit in a multi-unit building. The condominium owner holds sole title to the unit, but owns land and common property (elevators, halls, roof, stairs, etc.) jointly with other unit owners, and shares the upkeep expenses on the common-property with them.

Other To be used when a value is not in the enumerations.PlannedUnityDevelopment A zoning classification that allows flexibility in the design

of a subdivision or development.Subdivision A track of land which has been divided into smaller pieces

(called lots), usually for the purpose of constructing residences which will be sold individually.

Timeshare The arrangement whereby several joint owners have the right to use a property as a holiday home under a time-sharing schema.

Pool Indicates if the property has a swimming pool


Position Position of the loan, document, record, etc.Constant Description1st 1st Position 2nd 2nd Position 3rd 3rd Position 4th 4th Position 5th 5th Position6th 6th Position1ST 1ST Position 2ND 2ND Position 3RD 3RD Position 4TH 4TH Position 5TH 5TH Position6TH 6TH PositionOTH Other

(Marked for future deprecation)OTHER Other

PostalProtection Required status for protectionConstant DescriptionPOST PostMarkedPROC ProcessedRECVD Received

PostalProtectionComment Additional information about the protection offered based on the postal datePRAType The type of Property Rights Appraised

Constant DescriptionFEE Fee SimpleLEASE LeaseholdFRACTIONAL Fractional

PRAType (Appraisal 387 Form 2090_05)(Appraisal 387 Form 2095_05)

The type of Property Rights AppraisedConstant DescriptionCOOP CoopOTHER Other

PRAType(Appraisal 387 All Other Forms)

The type of Property Rights AppraisedConstant DescriptionFEE Fee SimpleLEASE LeaseholdOTHER Other

PredominantOccupancy Type of occupancy for most of the homes in neighborhoodConstant Description2ND-RES Second ResidentNON-OWNER Non-OwnerOWNER OwnerVACANT Vacant

PreferredContactMethod The preferred method of contactConstant DescriptionDAYPHONE Day time phone numberEVENPHONE Evening phone numberCELLPHONE Cell phone numberPAGER Pager number


EMAIL Email addressFAX Fax number

Prefix Title/Prefix of the party in the current node Constant DescriptionDR Dr.MR Mr.MRS Mrs.MS Ms.MST MasterMISS MissPROF ProfessorREV Reverend

PremiumPaymentType Constant DescriptionBORRPAID Borrower PaidBORRLENDPAID Both Borrower And Lender PaidLENDPAID Lender Paid

PremiumRefundableType Constant DescriptionNOTREFUN Not RefundableREFUN RefundableREFUNLIM Refundable With Limits

PrevEstValueSource Previous Estimated Value SourceConstant DescriptionAUCTION AuctionEQUITY EquityLEASE LeaseholdNA Not ApplicableNEWCON New ConstructionNOEQTY No Equity LoanREFI RefinanceRELO RelocationREO REOSALE Purchase/Sale

PrimaryApplicant/ Reference Social security number of the primary applicant on a credit order used to reference information in the Party block of the RealEC-XML File

PrimaryName Combination of the First Name, Middle Initial, and Last Name for the corresponding partyPriorPropertyTitleType Borrower Declaration - How did you hold title to the home solely by yourself, jointly with

your spouse, or jointly with another person?Constant DescriptionJointWithOtherThanSpouse Joint with other than spouseJointWithSpouse Joint with spouseSole Sole

PriorPropertyUsageType Borrower Declarations – What type of property did you own principal residence, second home, or investment property?Constant DescriptionInvestment InvestmentPrimaryResidence Primary ResidenceSecondHome Second Home

ProductList/Product/EPSType ElectronicPaymentSolution TypeConstant DescriptionCREDITCARD Credit Card


DeferredCreditCard Used to indicate the Credit Card Information will be gather at a later point, usually by the Provider of service in a secured manner.

BILLTO Bill ToProduct/ DueDate Requested completion date for the product by the CustomerProduct/ Instructions Instructions to the Provider from the Customer concerning the product orderProduct/ Reference Reference number for the product ordered (assigned by the Provider or the Customer)ProductCode Exchange Product CodeProductCodeReturned Exchange Product Code of the product filled by provider.ProductList/Product/PaymentInfo/PaymentInfoList/CreditCard/CCType

PaymentType Constant DescriptionAMERICANEXPRESS American ExpressDISCOVER DiscoverMASTERCARD Master CardVISA Visa

RealEC-XML/Transaction/ProductList/Product/PaymentInfo/PaymentInfoList/PaymentType

RealEC-XML/Transaction/ProductList/Product/CreditCardPaymentInfoList/Payment/ PaymentType

PaymentType Constant DescriptionCREDITCARD Credit CardDeferredCreditCard Used to indicate the Credit Card Information will

be gather at a later point, usually by the Provider of service in a secured manner.

BILLTO Bill To

ProjectDesignType Project DesignConstant DescriptionGardenProject Garden ProjectHighriseProject Highrise ProjectMidriseProject Midrise ProjectOther Other used when ProjectDesignType does

not contain needed enumeration.TownhouseRowhouse Townhouse Rowhouse

ProjectLegalStructureType The Legal Structure TypeConstant DescriptionCONDOMINIUM CondominiumCOOPERATIVE CooperativeCOMMONINTERESTAPARTMENT Common Interest ApartmentSITEBUILT Sitebuilt

ProjectParkingSpaceAssignmentType

Constant Description

AssignedThe parking area is part of the common elements, and spaces are assigned to each individual.

Other To be used when a value is not in the enumerations.

Owned

The parking area is considered separate units from the living air space units and unit owners are given “fee simple” title to the parking and garage units.

ProgramCode Lender’s loan program codeProgramCodeDesc Lender’s loan program descriptionProgramStatusCode Indicates if community participates in NFIPRealEC-XML Data Dictionary, August 2021 Release 2021-08 v1.0 of 134

ProgramStatusCodeType Code representing the status of a community (i.e. city) in the National Flood Insurance ProgramConstant Description01 Emergency Program- Community Participates02 Regular Program – Community participates03 Not participating in program – no FEMA map available04 Not participating in program – FEMA map is available, but community

is not allowed to purchase flood insurance because it does not meet certainNFIP criteria, or is locked in a dispute over the FEMA maps

05 Withdrawn from program participation. Usually over a dispute over FEMA maps.

06 Suspended from program participation – community no longer meets NFIP criteria and has been temporarily suspended

07 Defunct community – No longer a community08 Not an NFIP community09 Participating – On Probation

ProjectNbrUnitsType Number of Units for ProjectConstant DescriptionFOUR FourILLEGAL IllegalTHREE ThreeTWO Two

ProjectType Type of project for the propertyConstant DescriptionCONDO CondominiumCOOP CooperativeNONE NonePUD PUD

ProjectUnitType Type of UnitConstant DescriptionATTACH AttachDETACH Detach

ProjFirstLienFixedARM Project Lien TypeConstant DescriptionFIXED FixedADJUST Adjusted

ProjOccupantType Occupant TypeConstant DescriptionPRIMRES Primary ResidentSECOND Second HomeTENANT Tenant

ProjOtherLienFixedARM Project Lien TypeConstant DescriptionFIXED FixedADJUST Adjusted

ProjSecondLienFixedARM Project Lien TypeConstant DescriptionFIXED FixedADJUST Adjusted


ProjType Type of project for the propertyConstant DescriptionDETACH DetachGARDEN GardenHIGHRISE HighRiseMIDRISE MidRiseOTHER OtherROW Row

Property/ClassType Type of Property ClassConstant DescriptionDOME Dome HomeEARTH Earth HomeHOTEL HotelLOG Log HomeSWM Single Wide ManufacturedMWM Multi Wide ManufacturedOTHER Other

Property/ Description Long legal description of the propertyPropertyAccessContactPriorityType

Property Access Contact Priority TypeConstant DescriptionFirst FirstSecond SecondThird ThirdFourth Fourth

PropertyInspectionType Property Inspection TypeConstant DescriptionExteriorAndInterior Exterior and InteriorExteriorOnly Exterior OnlyNone NoneOther Other

PropertyMaintenance Description of the maintenance to the propertyConstant DescriptionEXCELLENT ExcellentGOOD GoodAVERAGE AverageFAIR FairPOOR Poor

Property/Type Type of propertyConstant DescriptionAPT ApartmentBOATSLIP Boat SlipCOMM Commercial (Non-Residential)CONDO CondominiumCONDOTEL CondotelCOOP Co-opDETACHCOOP Coop DetachDETACHPUD PUD DetachDUP 2-4 Unit PropertyFARM FarmMFR Multi Family Residence


MOBILE Manufactured HomeSFR Single FamilyTOWN TownhouseVACANT LandHOMEBUSINESSCOMBINDED Home and Business Combined

(Marked for future deprecation)HOMEANDBUSINESSCOMBINED Home and Business CombinedMIXEDUSERESIDENTIAL Mixed Use ResidentialOTHER Other

Property/UnitTypeOtherDesc Free form description used to communicate the type of Property Unit when Property Unit = “Other”.

PropertyListed Indicates is the property is listedPropertyTaxAmount Amount of taxes due for the propertyPropertyTaxStatus Current status of property taxes


PropertyTaxStatus Current status of tax payments for the propertyPropertyValidation/Type Type of Property being validated

Constant DescriptionAPT ApartmentCOMM Commercial (Non-Residential)CONDO CondominiumCOOP Co-opDUP 2-4 Unit PropertyFARM FarmMFR Multi Family ResidenceMOBILE Manufactured HomeSFR Single FamilyTOWN TownhouseVACANT Land

PropertyValuationConditionalConclusionType

Specifies the conclusions of the appraisal that there is a dependency on future repairs or activities.Constant DescriptionAsIs As IsOther OtherSubjectToCompletionPerPlans Subject to completion per plansSubjectToRepairsAndConditions Subject to repairs and conditionsSubjectToRepairsProvingUnnecessary Subject to repairs proving unnecessary

ProviderOrderNbr Identifying or tracking number returned by the provider to confirm the product orderProximity Distance from the propertyProximityUnit Unit of distance from the property

Constant DescriptionMILE MilesFEET Feet

PUDIndicator Indicates if the property is located in a Public Utility District (PUD) Yes/NoPurchaseMonth Month the property structure was purchased (MM)PurchaseYear Year the property structure was purchased (YYYY)


PurposeOfReport Reason for ReportConstant DescriptionCOMPL Certification of CompletionUPDATE Update

QualityRatingType Constant DescriptionAverage The usual or ordinary kind of quality rating.Excellent A superior quality rating.Fair A sufficient but not ample rating.Good A satisfactory rating containing a faint praise.Poor An inferior rating, less than adequate.

QuoteRequest Constant DescriptionYES Yes NO No

RateSelection Type of GFE Rate information ReturnedConstant DescriptionRATES RatesRATESWITHFEES Rates with FeesNO No

RECClientID Customer’s ID assigned by Exchange.RECCode Exchange event code value

See specific File Structures and Appendix CRecommendedListing Agent’s recommendation for listing the propertyRecorded Indicates if the document is recordedRecordedDoc/Type Indicates the type of recorded document.

Constant DescriptionSUBORD SubordinationCONSOL ConsolidationFORE ForeclosureHMSTD Homestead DeclarationMODIF ModificationNTS Notice of Trustee SalesSUBST SubstitutionSTRUST Substitution of Trustee

RecordingDate Date the document was recordedRecordingDocType Document Types used in the Recording Services Products

IDK Code DescriptionMORTGAGEORDEEDOFTRUST Mortgage or Deed of TrustWARRANTYDEED Warranty DeedQUITCLAIMDEED Quit Claim DeedPOWEROFATTORNEY Power of AttorneyOTHER Other


RecordingDocumentType Used for ordering GFE ServicesIDK Code DescriptionAFFIDAVIT AffidavitAOV Affidavit of ValueASSIGNMENT AssignmentCANOFMORT Cancellation of MortgageDEED DeedDOR Deed of ReconvenyanceDOT Deed of TrustDOTR Deed of Trust ReleaseFIFARELEASE FIFA ReleaseHOMEE Homestead ExemptionLIENR Release of Real Estate Lien

MORT MortgagePOA Power of AttorneySATMORT Satisfaction of MortgageSECDEED Security DeedSOT Substitution of TrusteeSOTDR Substitution of Trustee-Deed of

ReconveyanceSUBA Subordination Agreements

TAXFRM Tax Certification FormWDC Well Disclosure CertificatePROPTRNRPT Property Transfer ReportTAXAF Tax Affidavit FormCANOFNOTE Cancellation of NoteAFFSF Single Family ExemptionAFMOD Affidavit for a Mortgage Modification

MOD Modification

AFFLOSTNOTE Affidavit used with the original note cannot be found

NOTEOFCOMMC Notice of Commencement

TERMNOTC Termination of NoticeCEMA Consolidation, Entension &

Modification Agreement

RecordingFee Cost of recording the documentReferenceNumber/Type For available values, see Exchange Integration Consultant RefinanceCashOutDeterminationType

Indicates the way in which the cash out will be appliedConstant DescriptionCASHOUT Cash OutLIMITEDCASHOUT Limited Cash OutNOCASHOUT No Cash OutUNKNOWN Unknown


RefinancePrimaryPurposeType Indicates the purpose for the Refinance.Constant DescriptionASSETACQUISITION Asset AcquisitionCAPITALIZEDINTERESTTAXESINSURANCEORFEES

Capitalized Interest, Taxes, Insurance or Fees

CASH CashCONVENIENCE ConvenienceDEBTCONSOLIDATION Debt ConsolidationEDUCATION EducationEQUITYBUYOUT Equity Buy OutHOMEIMPROVEMENT Home ImprovementINTERESTRATEREDUCTION Interest Rate ReductionMEDICAL MedicalMORTGAGETERMREDUCTION Mortgage Term ReductionOTHER OtherPAYOFFLEASEHOLDINTEREST Payoff Leasehold InterestPRIMARYLIENPAYOFF Primary Lien PayoffSECONDARYLIENPAYOFF Secondary Lien PayoffSPECIALPURPOSE Special PurposeUNSECUREDLIENPAYOFF Unsecured Lien PayoffUNSPCIFIED Unspecified

RefinancedRecently Indicates whether the loan has been refinanced recently. Recently reflects a timeframe to be in the last 10 years.Constant DescriptionYES YesNO NoUNKNOWN Unknown

RegistrationRequestType Registration Request TypeConstant DescriptionAgency A registration request is for a legal entity, A request for an

Agency may also include Agents to be set up as part of the request.

Agent The registration request is for individual agent(s) who are employed by an agency

RegistrationSetupType RegistrationSetupTypeConstant DescriptionManaged Indicates the provider should be registered as a vendor that will

be used on a daily basis and eligible for selection by Exchange automated system and included as an optional selection in Exchange user facing systems.

OtherRegistered Indicates that the provider should be registered as a vendor that

will be used only for a single closing transaction.RelatesToType Indicates what the change will affect

Constant DescriptionOriginal OriginalUser User


RelationshipChangeResultType

Constant DescriptionRELATIONSHIPDOES NOTEXIST

Relationship Does Not Exist

RELATIONSHIPEXISTS

Relationship Exist

SUCCESSFUL SuccessfulUNABLETOIDENTIFYENTITIES

Unable to Identify Entites

RenewalCalculationType Constant DescriptionCONST ConstantDECLIN DecliningNORENEW No RenewalsNA Not Applicable

RepairedPrice Suggested repaired information for the propertyRepairedPrice/Price Suggested repaired list price for the propertyRepairedPrice/Type Type of suggested repaired price for the property

Constant DescriptionFHLMC Freddie Mac list priceFNMA Fannie Mae list priceOTHER Other type of list price

RepairsAmount Total amount of repairs at the propertyRepairsNeeded Indicates if the repairs at the property are neededRepairsRecommended Indicates if the repairs at the property are recommendedReplace If replacing a previous document, name of the existing document at the Exchange Network

to replaceReplyCarrierType Type of Reply Carrier

Constant DescriptionUSPS.FirstClass USPS First Class MailUSPS.Priority USPS Priority MailFEDEX.StandardOvernight FEDEX Standard OvernightFEDEX.2Day FEDEX 2 day FEDEX.ExpressSaver Not available for ReplyCarrierType.UPS.StandardOvernight UPS Standard OvernightUPS.2Day UPS 2-DayUPS.3DaySelect UPS

ReqSigningDateTime Requested signing date and time for the documentsRequestActionType Indicates the Action Type Requested.

Constant DescriptionRefresh Generates new link with updated

expiration date if report is not yet submitted.

Reassign Reassigns a report to another user.Update Reopens the report once it is

submitted.


RequestContextType Indicates the product content of the request or response.Constant DescriptionCI Closing InsightEADReadinessCheck EAD Readiness CheckOther OtherQI Quality InsightUCDPReadinessCheck UCDPReadinessCheck

RequestedTotalYears Constant Description1 1 Year2 2 Years3 3 Years4 4 Years

RequestedType Lender request to return funds requested typeConstant DescriptionCHECK CheckWIRE Wire

RequiredFundsDescription Decription of the funds required for paymentResponsibleParty Type of responsible party

Constant DescriptionCUSTOMER CustomerPROVIDER ProviderBORROWER BorrowerLENDER Lender

RestrictionType Type of Employee Restriction ValuesConstant DescriptionEMPLOYEELOAN Employee LoanHIGHVALUE High Value

ReturnedType Constant DescriptionWIRE Loan returned via wireCHECK Loan returned via check

RevivalDate Judgment dateRooms Number of rooms at the propertySaleIndicator Indicates if saleSalesAmount Sales price of the propertySample/Type Constant Description

AIR AirSURFACE Surface

ScheduledType The event or action that is scheduledConstant DescriptionAPPR AppraisalCLOS ClosingDOCUMENTSIGNING Document SigningFUND Funding

School Name of the school SchoolTaxAmount Amount of taxes due for the school


SchoolTaxStatus Current status of school taxesConstant DescriptionPD PaidUNPD Unpaid

SchoolTaxStatus Current status of tax payments to the schoolSearchDate The date the search occurredSecondaryMarketInvestorType

Constant DescriptionFannieMae Fannie MaeFreddieMac Freddie MacGinnieMae Ginnie MaeOther Other

Section Section of the propertySectionOfActType Constant Description

203B 203B203B2 203B2203B251 203B251203K 203K203K251 203K251221D2 221D2221D2251 221D2251234C 234C234C251 234C251

SectionTownRange Section, town, range legal description information of the propertySecurity/ AccountNumber Account number of the secured product orderSecurity/ Password Password to access the secured product orderSecurity/Type Type of Security

Constant DescriptionCLIENT ClientPRODUCTION ProductionSOURCE SourceTEST Test

Security/ Username Username to access the secured product orderSellerPaidFinanceCost Amount of anticipated financing and closing costs generally paid by the seller for the areaSellingDate Date the property soldSellingPrice Sales price of the propertySellingPrice Selling price of the propertySequence Location of the associated record, party, document, etc. within the series of records, parties,

documents, etc.ServiceCategory This is the type of Good Faith Estimate Service requested by the provider.

Constant DescriptionTITLEINSURANCE Title InsuranceSETTLEMENTANDESCROWSERVICE Settlement and Escrow ServiceREALESTATEATTORNEY Real Estate AttorneyHOMEWARRANTY Home WarrantyHOMEOWNERSINSURANCE Homeowners InsuranceHOMEINSPECTIONGENERAL Home Inspection GeneralAPPRAISAL Appraisal


NOTARY NotaryLANDSURVEY Land SurveyPESTINSPECTION Pest InspectionNATURALHAZARDDISCLOSURE Natural Hazard DisclosureGEOTECHNICALENGINEERING Geotechnical EngineeringCLOSINGATTORNEY Closing AttorneyTRANSACTIONCOORDINATOR Transaction Coordinator

Reason CodesReason

CodeDescription

1 Appraiser Needs Realtors Phone Number

2 Borrower Did Not Show for Appt

3 Borrower Not Responding4 Borrower Resists Inspection5 Loan Officer Needs to Contact

Borrower

6 Other7 Purchase Agreement Required8 Realator Not Responding9 Realtor Not Returning Appraiser

Calls

10 Rural Area11 Wrong Contact Numbers for

Borrowers

12 Wrong Property Address13 14 Business Unit Cancelled Order15 Duplicate Order16 Ineligible Property

Type/Condition17 Loan Rejected18 No Response from Borrower19 No Response from Business Unit20 Not Meeting Target Value21 Order Upgraded22 Property Under Construction23 Borrower delayed inspection24 Manufactured Home

25 Property Not Complete26 Borrower Requested Cancel

Loan27 Repairs Not Complete28 Legal Description29 Full Legal Names


30 1003 Application 31 Abstract Authorization Form 32 Contact Borrower for missing

information

33 Verify property address34 Verify loan amount35 Need loan number for 1st36 Need Legal/Parcel Number37 Vacant Property38 No Access to Property39 Borrower executed right of

rescission

40 Notary/Attorney unavailable41 Loan withdrawn42 Rescheduled Date43 Borrower Declined44 Rate Lock Expired45 Closing Document Package

Expired46 Scheduled Date exceeds Rate

Lock Expire Date

47 Scheduled Date exceeds Doc Package Expire Date

48 Payoff Expired49 Initial Request50 Incorrect Borrower Information51 Incorrect Fee Amount52 Incorrect Fee Placement53 Borrower No Show54 Notary No Show55 Seller No Show56 Insufficient Closing Funds -

Borrower57 Borrower Dissatisfied with Loan

Amount/Terms

58 AIV Form Missing59 Executed Form Missing60 Documents not properly

executed61 Missing Required Document62 Wire incorrect63 Executed Closing Package not

received

64 Borrower executed right of rescission


65 Borrower Funds Short66 Verifying Vesting67 Pending Trust Documents68 Subordination Required69 Unrecorded Liens70 Outstanding Judgments71 MI Suspended72 MI Declined73 Failure to Confirm within

designated time limit

74 Rush Order75 Appraiser Declined – Scheduling

Conflict

76 Appraiser Declined – Fee Dispute

77 Declined – Complexity Appraiser Declined

78 Phone Order79 2ndAppraisalApproval80 Canceled by Branch81 Canceled by Borrower82 Canceled by Appraisal

Department83 Canceled by Appraiser84 Appraiser Did not Show for Appt85 Appointment Rescheduled by

Borrower

86 Appraisal Appeal87 Loan Update88 Other89 Closing Fund Overage90 Possible Borrower Rescission91 All Conditions Cleared92 Legal Description Corrected93 Full Legal Names Provided94 1003 Application Completed95 Abstract Authorization Form

Completed

96 Borrower Provided Missing Information

97 Property Address Verified98 Loan Amount Verified99 Loan Number Provided100 No Borrower Rescisson101 Funds Already Disbursed By


Provider 102 Technology Reason103 Borrower Reason 104 Borrower has issue with Power

of Attorney

105 Forced Traditional106 Provider Unable to Support WEC107 Delete HUD Line108 Brokers Portal Document

Delivery Canceled by User

109 Brokers Portal Abandoned by User

110 Change111 Dispute112 Comps113 Correction114 Value Dispute (Reconsideration

of Value)

115 Application Pending FHA Case#116 Fee Approval Required117 Customer Withdraw118 Incorrect Loan Number119 Incorrect Product Ordered120 Lender Cancelled Order121 Title Report - Wrong Property

Address

122 Curative - Borrower Not Responding

123 Curative - Borrower Requested Cancel Loan

124 Curative - CEM Authorization Needed

125 Curative - Divorce Decree Pending

126 Curative - Subordination Pending127 Curative - Tax Lien Payoff

Pending128 Curative - Trust Document

Pending129 Credit Card number is not valid130 Name on Credit Card is not valid131 Credit Card security code is not

valid132 Credit Card Expiration date is

not valid

133 Credit Card billing name is not valid


134 Credit Card billing address is not valid

135 Credit Card billing zip code is not valid

136 Credit Card billing phone number is not valid

137 Credit Card max limit reached138 Bill To Name is not valid139 Bill To Address is not valid140 Bill To Zip code is not valid141 Bill To Phone number is not

valid142 Bill To Reference is not valid143 Amount is not valid144 Attempting to Schedule145 Incorrect Endorsements146 Incorrect Information147 Bad Scan148 Missing Required Documents149 Missing Signature150 Borrower's reported income is

greater than IRS reported income

151 Borrower's reported income is less than IRS reported income

152 Overpayment153 Service Level Credit

154 Duplicate charge155 Replacement Report or

Upgraded Report156 Property Complex Requires

More Time to Complete157 Additional Information

Needed158 Borrower Address is not valid159 Borrower City is not valid160 Borrower State is not valid161 Borrower Zip is not valid162 Credit Card Exception163 Credit Card System Exception164 Credit Card Validation Exception165 Credit Card Security Exception166 Credit Card Amount is not Valid167 Credit Card billing city is not

valid168 Credit Card billing state is not


valid169 Credit Card billing email is not

valid170 Credit Card Billing Last Name is

not valid

171 Personnel First Name is not valid172 Personnel Last Name is not valid173 Processing Account Number is

not valid

174 Processing Tracking Number is not valid

175 Missing Provider Information176 Borrower Last Name is not valid177 Invoice Amount matched

Settlement Total

178 Remit to Provider Settled funds179 Additional Remittance180 Refund Processed/Need to remit181 Refund Processed/Do not remit182 Invoice Amount greater than

Settlement Total

183 Invoice Amount less than Settlement Total

184 Multiple Invoices185 Cancellation Processed186 Do Not Remit Incorrect Invoice187 Credit Card Communication

Failure188 Post Funding HUD189 Recorded Mortgage216 Seller Servicer Number is invalid

(must be numeric and 9 digits)

220 Submission may not contain more than one data file record with the same data file name.

222 File data was provided without a corresponding DATA_FILE element.

230 Unable to locate a matching UMDPDocLinkID set for the Appraisal Lender Submission request

236 Product data delivery incomplete within the designated time limit

240 User Authentication Frailure241 Criteria Not Met


242 A "CC Recharge Request" is not allowed.

243 The credit card entered is due to expire prior to the calculated settlement date.

244 Refund exceeded Settlement total245 Invalid Settlement tracking

number/No Settlement exists

246 Address provided has returned Multiple possible hits from the public record data

247 Address provided is valid, no hits from the public record data

248 Address provided is not valid249 Address provided is out of the

public record geographic coverage area

250 No Undisclosed Properties Found

251 Undisclosed Properties Found252 Owner Occupied but the Subject

Property Address is not equal to Borrower’s Current Residence Address

253 Owner Occupied however a search against the public record could not confirm

254 Owner Occupied and public records show borrower closed on a loan within 3 months of application date

255 Owner Occupied however the search against Tax Records could not confirm

256 Subject Property Unit blank on Mortgage Application.

257 Address Standardization of the Subject Property did not return a Unit Number

258 Public records list Subject Property without a Unit Number.

259 Exception Expired260 Security Error261 Communication Error262 Input Validation263 Provider Internal Error


264 Voice Mail Not Returned265 1005 Form Not Returned266 Additional Information

Requested Not Provided

267 Employer Not Found In Public Records

268 Unable to Locate Employer Phone Number

269 Unable to Confirm Employer - Provide Full Address

270 Missing Signed Borrower Authorization Form

271 Unable to Confirm Employer - Provide Borrower Agency/Dept

272 Unable to Confirm Employer - Provide Borrower Phone Number

273 Unable to Confirm Employer - Provide Borrower DOB

274 Unable to Confirm Employer - Contact Out of Office

275 Unable to Confirm Employer - Provide Additional Phone Number

276 Missing Salary Key/PIN for Automated Provider

277 Unable to Confirm Employer - Confirm Borrower SSN

278 Issue with DOB279 Issue with SSN280 Missing Business Transaction

Info281 Issue with Company Info282 Issue with Borrower

Authorization Form

283 Issue with Date on Form284 Bid/Contract Revision285 Issue with Entity/Borrower

Name286 Issue with Entity/Company

Name287 Address was not accepted by the

IRS288 Issue with Borrower SSN289 Issue with Company EIN290 Illegible or altered tax year(s)

requested


291 Issue with Borrower Signature on 4506T

292 Issue with Date on 4506T form293 Information on 4506T form is

illegible or altered

294 Employer Update Outside of Policy

295 No Hit296 Confirmed Defects297 Additional Comps

Request/Clarification

298 Borrower Request/Complaint299 Additional Information Provided300 Information Present in Report -

Underwriter Unnecessary

301 Not Required by Policy - Underwriter Unnecessary

302 Duplicates303 New Products320 Invalid MI Data provided in

request321 Not Eligible for MI322 No Response Received323 Exceeded SLA with Vendors324 No Data Available325 No Source Defined326 Incorrect Doc Type Specified327 Borrower refused to sign -

signing agent performance/professionalism

328 Closing Instructions Delay329 Closing Instructions inaccurate330 Closing Package Delay331 Doc Signing product

incomplete / incorrect

332 Doc Signing product not opened333 Lender requested reschedule334 HUD/CD not Finalized335 HUD/CD not Finalized336 Incomplete/Incorrect loan

package sent to signing by Vendor

337 Incorrect loan documents received from fulfillment

338 Signing Agent backed out of signing


339 Provider Cannot Accommodate Requested Change(s)

340 Request not Applicable341 Requested change not Required342 Borrower did not receive

document343 Document not valid for loan344 Duplicate document delivered345 No Rate Available346 Email Delivery Failure: Returned

as Spam

347 Email Delivery Failure: Incorrect Email Address

348 Email Delivery Failure: Email Size Limit

349 Email Delivery Failure: Recipients Mail Service

350 Email Delivery Failure: Other351 Authorization Access Needed352 Street View Unavailable353 Incomplete Order354 Unit Number incorrect or

missing355 Contact Number(s) incorrect or

missing

356 Condo/Coop Questionnaire missing

357 Plans and Specs incorrect or missing

358 Renovation Documents incorrect or missing

359 VA Agency On Hold360 Language Barrier361 Pending Compliance Review362 Ineligible Request363 Agency Registration Invitation

Forwarded

364 Provider Registration Invitation First Reminder

365 Provider Registration Invitation Last Reminder

366 User Registration Invitation Reminder

367 Recent Ownership Transfer368 Errors And Omissions Required369 ALTA ID Requested


370 State License Requested371 Closing Protection Letter

Required372 UserName Or Password Entered

Incorrectly

373 Registration Invitation Has Expired

374 Registration Cancelled. Contact Provider

375 Registration Not Complete. Reminder sent To Provider

376 Registration Expired. Please Contact Provider

377 Network Access Agreement Declined

378 Product Code not present379 Document Data Link not present380 Document Data Link already

exists in prior instance of same event

381 Document Data Link does not match the Document Data Link in most recent instance of event 150

382 More than one Document Data Link exists in event

383 Financial Hardship384 Closing Date Adjustment385 Provider Does not Support

Product Requested

386 Provider unavailable due to Vendor Management Status

387 Deleted Fee Line388 Added Fee Line389 Incorrect Paid To390 Incorrect Paid At391 Incorrect Fee Name392 Incorrect Loan Product393 Incorrect Prepayment Penalty394 UCD Data Set Validation Failure395 No UCD Data Set included 396 Inspection Scheduled397 Tenant Scheduling Delays398 Underwriter Direction Required399 Requested Hold


400 Schema Validation Failed - Required Field Missing

401 Deed Restriction Research402 Reassignment Request received403 Reinspection Reassignment

Request received

404 Missing Executed Purchase Contract

405 Purchase Contract is Ilegible406 Contact cancelled Inspection407 Contact Did Not Show for Appt408 Contact Resists Inspection409 Contact Not Responding410 Schema Validation Failed -

DataType Mismatch

411 Contact delayed inspection412 Confirm Utilities On413 Federally Declared Disaster414 Property Not Secure415 Remodel Not Complete416 Revised Purchase Contract

Required417 Revised Renovation Documents

Required

418 Collateral Research Review419 Missing Original Appraisal420 Contact Issues421 Lockbox Issue422 Safety/Security Access Issues423 Property Not Ready/Repairs or

Utilities Needed

424 Client Confirm Cancel425 Underwriter Escalation426 Unsafe Conditions427 Customer Service Center Agent

Failed Package

428 Required Data for Processing Missing

429 Duplicate Lender PackageIdentifier provided

430 Invalid Internal PackageIdentifier provided.

431 Event must contain only one document

432 Invalid Document File Type


433 Link provided to card holder to the payment processing provider interface has expired.

434 Email to card holder from the payment processing provider failed.

435 Missing Document URL436 Invalid Lender PackageID

Provided437 Document Delivery Processing

Error438 Encryption Exception has

occurred


ServiceTypeName For GFE Fee Services Data. GFE 2.0IDK Code DescriptionAPPRAISAL AppraisalATTORNEYFEE ATTORNEYFEEASBESTOSINSPECTION Asbestos InspectionCHIMNEYINSPECTION Chimney InspectionCLOSINGFEE Closing FeeCREDITORCHARGEFORINTERESTRAGECHANGE

Credit or Charge for interest rate change

CONSULTANT203K Consultants 203KCREDITREPORT Credit ReportDAILYINTERESTCHARGES Daily Interest ChargesDOCUMENTPREPFEE Document Prep Fee (ThirdParty)DRYWALLINSPECTION Drywall InspectionEARTHQUAKEINSURANCE Earthquake InsuranceEIFSINSPECTION EIFS InspectionENERGYAUDITANDWEATHERIZATION

Energy Audit and Weatherization

FLOODCERT Flood CertificationFLOODINSURANCE Flood InsuranceGEOTECHNICALENGINEERING Geotechnical Engineering

HOMEBUYERCOUNSELING Homebuyer CounselingHOMEINSPECTION Home Inspection GeneralHOMEOWNERSINSURANCE Homeowner InsuranceHOMEWARRANTY Home WarrantyHURRICANEINSURANCE Hurricane InsuranceHVACINSPECTION HVAC InspectionINITIALESCROWDEPOSIT Initial Escrow DepositLANDSURVEY Land SurveyLEADINSPECTION Lead InspectionLENDERSTITLEINSURANCE Lenders Title Insurance

MANUFACTUREDHOUSING Manufactured HousingMOLDINSPECTION Mold InspectionMORTGAGEINSURANCEPREMIUM Mortgage Insurance Premium

NATURALHAZARDDISCLOSURE Natural Hazard Disclosure

NOTARY NotaryOWNERSTITLEINSURANCE Owners Title InsuranceORIGINATIONCHARGE Origination ChargePESTINSPECTION Pest InspectionPLUMBINGINSPECTIOIN Plumbing InspectionPOOLANDSPAINSPECTION Pool and Spa InspectionRADONINSPECTION Radon Inspection

RECORDINGFEES RecordingFeesROOFINSPECTION Roof InspectionSEPTICINSPECTION Septic InspectionSETTLEMENTANDESCROWSERVICE

Settlement and Escrow Service


ServiceTypeName (Cont)SETTLEMENTSERVICE Settlement ServiceSTRUCTURALENGINEERING Structural EngineeringTAXSERVICE Tax ServiceTHERMALINSPECTION Thermal InspectionTITLEINSURANCE Title InsuranceTRANSFERTAX PropertyTaxUNDERGROUNDSTORAGETANKINSPECTION

Underground StorageTank Inspection

WQIADVENVIRONMENTAL Water Quality Inspection – Advanced Environmental

WQICOMPPESTICIDE Water Quality Inspection – Comp. And Pesticide

WQICOMPREHENSIVE Water Quality Inspection –Comprehensive

WQIENVIRONMENTAL Water Quality Inspection –Environmental

WQIHEALTH Water Quality Inspection – Health

WQIHEALTHPESTICIDE Water Quality Inspection – Health And Pesticide

WQISTANDARD Water Quality Inspection – Standard

ServicingDepartmentType Servicing Department TypeConstant DescriptionForeclosure The Division of a servicer responsible for initiating legal

proceedings to settle debt on an unpaid balance.Bankruptcy The Division of a servicer responsible for initiating legal

proceedings to settle debt for a homeowner that has declared bankruptcy.

LossMitigation The Division of a servicer that works to reduce the loss to the bank via negotiation with the homeowner.

GeneralServicing The Division of a Servicer that works with current or delinquent loans that are part of the general servicing area.

REO The Division of a servicer that works with property owned by the lender after an unsuccessful sale at foreclosure

PropertyPreservation The Division of a servicer that is responsible to satisfy property upkeep laws and to preserve and prepare the property for sale.

ServicingOperationsOversight

"The Division of a servicer is tasked with ensuring adherence to internal, investor and regulatory valuation compliance requirements.

SBC "The Division of a servicer is tasked with ensuring adherence to internal, investor and regulatory valuation compliance requirements for commercial loans.

CollateralBasedSolution The Division of a servicer who offers Collateral Based Solutions such as Short-Sale, Deed-In-Lieu to the borrower.

OtherPayoff The Division of a servicer that deals with finalizing the

satisfaction of a loan.FHA The Division of a servicer that is focused on servicing of

FHA Loans.MASSMOD The Division of a servicer initiated Modification offered to


Constant Descriptionthe borrower.

PreForeclosure The Division of a servicer responsible for handling legal proceedings during the early stages of being repossessed.

SigningLocation/Type Signing LocationConstant DescriptionBHOME Borrower Home LocationBOFFICE Borrower Office LocationCOFFICE Closing Agent OfficeBOTHER Borrower Other LocationCOTHER Closing Agent Other LocationESCROWOFFICE Escrow OfficeLENDERBRANCH Lender Branch OfficeONLINE OnlineOTHER OtherPROPADDR Property Address

SigningMethod Signing MethodConstant DescriptionAGT Agent ArrangedFACETOFACE Face To FaceMAILAWAY Mail-AwayNOTARY NotaryTRD TraditionalWEBENBCLOSE Web Enabled Closing *Excludes usage of the Exchange

WEC WorkflowWEC Web Enabled Closing. *Includes Exchange WEC

Workflow.SiteHighBestUseType

Constant DescriptionPRES PresentOther Use

SiteZone Type of Site ZoneConstant DescriptionILLEGAL IllegalLEGAL LegalNOLEGAL Not legalNOZONE No Zone

SiteZoneType Type of Site ZoneConstant DescriptionILLEGAL IllegalLEGAL LegalNOLEGAL Not legalNOZONE No Zone

Situs/ Name Street name of the propertySitus/ Number Street number of the property


Situs/ Type Type of street of the property

IDK Code DescriptionsALY AlleyANX AnnexARC ArcadeAVE AvenueBCH BeachBG BurgBGS BurgsBLF BluffBLFS BluffsBLVD BoulevardBND BendBR BranchBRG BridgeBRK BrookBRKS BrooksBTM BottomBYP BypassBYU BayooCIR CirCIRCLE CircleCIRS CirclesCLB ClubCLF CliffCLFS CliffsCMN Common/

CommonsCMNS CommonsCOR CornerCORS CornersCP CampCPE CapeCRES CrescentCRK CreekCRSE CourseCRST CrestCSWY CausewayCT CourtCTR CenterCTRS CentersCTS Courts


Situs/ Type (Continued) IDK Code DescriptionsCURV CurveCV CoveCVS CovesCYN CanyonDL DaleDM DamDR DriveDRS DrivesDV DivideEST EstateESTS EstatesEXPY ExpresswayEXT ExtensionEXTS ExtensionsFALL FallFLD FieldFLDS FieldsFLS FallsFLT FlatFLTS FlatsFRD FordFRDS FordsFRG ForgeFRGS ForgesFRK ForkFRKS ForksFRST ForestFRY FerryFT FortFWY FreewayGDN GardenGDNS GardensGLN GlenGLNS GlensGRN GreenGRNS GreensGRV GroveGRVS GrovesGTWY GatewayHBR HarborHBRS Harbors


Situs/ Type (Continued) IDK Code DescriptionsHL HillHLS HillsHOLW HollowHTS HeightsHVN HavenHWY HighwayINLT InletIS IslandISLE IsleISS IslandsJCT JunctionJCTS JunctionsKNL KnollKNLS KnollsKY KeyKYS KeysLAND LandLCK LockLCKS LocksLDG LodgeLF LoafLGT LightLGTS LightsLK LakeLKS LakesLN LaneLNDG LandingLOOP LoopMALL MallMDW MeadowMDWS MeadowsMEWS MewsML MillMLS MillsMNR ManorMNRS ManorsMSN MissionMT MountMTN MountainMTNS MountainsMTWY MortorWay


Situs/ Type (Continued) IDK Code DescriptionsNCK NeckOPAS OverpassORCH OrchardOVAL OvalPARK ParkPASS PassPATH PathPIKE PikePKWY Parkway/ParkwaysPL PlacePLN PlainPLNS PlainsPLZ PlazaPNE PinePNES PinesPR PrairiePRT PortPRTS PortsPSGE PassagePT PointPTS PointsRADL RadialRAMP RampRD RoadRDG RidgeRDGS RidgesRDS RoadsRIV RiverRNCH RanchROW RowRPD RapidRPDS RapidsRST RestRTE RouteRUE RueRUN RunSHL ShoalSHLS ShoalsSHR ShoreSHRS ShoresSKWY Skyway


Situs/ Type (Continued) IDK Code DescriptionsSMT SummitSPG SpringSPGS SpringsSPUR Spur/SpursSQ SquareSQS SquaresST StreetSTA StationSTRA StravenueSTRM StreamSTS StreetsTER TerraceTPKE TurnpikeTRAK TrackTRCE TraceTRFY TrafficwayTRL TrailTRLR TrailerTRWY ThroughwayTUNL TunnelUN UnionUNS UnionsUPAS UnderpassVIA ViaductVIS VistaVL VilleVLG VillageVLGS VillagesVLY ValleyVLYS ValleysVW ViewVWS ViewsWALK Walk/WalksWALL WallWAY WayWAYS WaysWL WellWLS WellsXING CrossingXRD CrossroadXRDS Crossroads

Situs/ Unit Unit of the situs addressSLABasisDate Date used for calculating Service Level Agreement


SLAPrice Service Level Agreement PriceSortOrder This indicates the sort order of the report returned from the Good Faith Estimate.

Constant DescriptionDEFAULT Default Order (Tier Level then Rates)RATES Rate OrderName Name Order

SourceType Source used for physical characteristics of propertyConstant DescriptionAPPFILE Appraisal FilesINSPECT Prior InspectionMLS MLSOWNER Property OwnerOTHER OtherTAXREC Assessment and Tax Records

Spa Indicates if the property has a spaSpecialBorrowerEmployerRelationshipType

Specifies a unique category of employer which is the source of income for the borrowerConstant DescriptionEmployedByRelative Employed by RelativeOther OtherPropertySeller Property SellerRealEstateBroker Real Estate Broker

SpouseReference Reference number (UniqueID) in the RealEC-XML file for the current party’s spouseSpouseUniqueID Indicates if the borrower’s marital status is connected to the subsequent borrowerSSRStatus Indicates the Status of the UCDP SSR Document

Constant DescriptionSUCCESS SuccessFAILURE Failure

SSN Social security number of the party in the current node, for an individual Company tax ID number of the party in the current node, for a company

State State abbreviation of the addressState CodeStateFIPS State FIPS codeStories Number of stories at the propertyStructureType Type of Structure

Constant DescriptionATTACHED Attached StructureDETACHED Detached StructureSEMIDETACHED Semi-Detached

Subdivision Name of the property subdivisionSubjectCondition Description of condition of the propertySubjectProblems Explanation of problems or issues at the property


SubjectPropertyComparableCriteriaOptionType

Type of StructureConstant DescriptionLivingAreaRange The total living area of the

improvement on the property. BedroomRange The total number of bedrooms in the

improvement on the property. BathRoomRange The total number of bathrooms in the

improvement on on the property. AgeRange The age of the improvement on the

property. SalePriceRange The sales price of the property. ListPriceRange The list price of the property.

Subordinate Is there a subordinate financing? Yes / NoSubordinate/LenderActionReqd

Indicates the type of follow up action necessary by the Lender to complete the Subordination process.Constant DescriptionNEEDDOCS Additional Loan Docs NeededNEEDBORRINFO Additional Info Needed from BorrowerOTHER Other

Subordinate/ProcessedBy The party responsible for processing the Subordination.Constant DescriptionBORR BorrowerLEND LenderVEND VendorOTHER Other

Subordinate/Type The type of subordination loan.Constant DescriptionHELOC HelocEQUITY Home EquityNA Not Available

Subordination/Type The subordination loan type.Constant DescriptionCONV ConventionalFHA FHAFMHA FMHAINS Conventional InsuredLTV 125% LTVNA Not ApplicableNOLOAN No LoanUNINS Conventional UninsuredUSDA USDAVA VA

SubordinateAction Subordination provided byConstant DescriptionLEND LenderTITLE Title Company

SubPrimeProgramType Subordination provided byConstant DescriptionAMINUS A minus

SubTotalLiquidAssets Subtotal of liquid assets available


Survivorship Rights of survivorship from vestingSurvivorshipType Type of Rights of survivorship from vestingTaxAndDocumentFees/TitlePolicy

TitleRequest/ PolicyType

Constant DescriptionNEW NewREISSUE Reissue

TaxAuthorityID Identification number of the Tax Authority assessing the Tax AmountTaxAddrType Constant Description

MAIL Mailing AddressPROP Property AddressCURRPAY Current Payment AddressPRIORPAY Prior Payment Address

TaxBillType Type of Tax BillConstant DescriptionADDITIONAL AdditionalESCAPEMENT EscapementFAILURE FailureOMIT OmittedSUPPLEMENT Supplemental

TaxDescription Description of the TaxTaxDiscountIndicator Indicates if the tax is discounted

TaxFrequency The interval of time between due dates for payment of taxes.Constant DescriptionMONTH MonthlyQRTLY QuarterlyBIYEAR Bi-AnnualYEAR AnnualTRIYEAR Tri-AnnualHEXYEAR Six Installments Annually

TaxID Federal Tax Identification number for the associated partyTaxpayerIdentifierType Type of Taxpayer identifier type

Constant DescriptionEmployerIdentificationNumber Employer Identification NumberIndividualTaxpayerIdentificationNumber

Individual Taxpayer Identification Number

PreparerTaxpayerIdentificationNumber

Preparer Taxpayer Identification Number

SocialSecurityNumber Social Security NumberTaxpayerIdentificationNumberForPendingUSAdoptions

Taxpayer Identification Number for Pending US Adoption

TaxReference Additional reference number or value associated with the Tax RecordTaxType Type of Tax

Constant DescriptionCITY City TaxCOUNTY County TaxMUD MUD TaxOTHER Other TaxPROPERTY Property TaxSCHOOL School Tax


TaxYear Year the tax was assessedTaxYearBegin Beginning year of the tax assessment YYYY (-YYYY)TaxYearEnd Ending year of the tax assessment YYYY (-YYYY)TaxYear/Installment/Status Constant Description

DUEOPEN Due OpenDUEPAY Due PayableDELQ DelinquentPAID PaidSOLD Sold

TaxYearType Type of year the tax was assessedConstant DescriptionCURRENT CurrentFUTURE FuturePRIOR Previous Year

TermBalloon Number of years in Balloon term before balance is dueTermDate Termination dateTitle Title/Prefix of the party in the current node

Constant DescriptionDR Dr.MISS MissMR Mr.MRS Mrs.MS Ms.MST MasterPROF ProfessorREV Reverend

TitleGrade Risk level to receive Title Insurance. A is the lowest risk; D is highest amount of risk.IDK Code DescriptionA AB BC CD D

TitleLegalProblems Indicates if there are any known title or legal issues at the propertyTotalTax Full amount of taxes assessedTotalTaxPaid Full amount of taxes paidTract Tract of the propertyTransaction/BatchID An identifier assigned to each transaction that is part of a Batch Upload or REC Batch 2.0

xls file.Transaction/CostCenter A department within an organization that does not directly add to the profile including

marketing, human resources, and research and development.Transaction/TransactionID Unique ID identifying the Exchange Transaction (assigned by the user, or the Exchange

Network)


TypeClass Classification of the type of partyConstant DescriptionCBRW CoBorrowerCORP CorporationCORPORATIONSOLE Corporation SoleEST EstateGOVERNMENTENTITY Government EntityINDV IndividualJOINTAPP Joint ApplicantJOINTVENTURE Joint VentureLLC Limited Liability CompanyLMTD Limited PartnershipNONPROFITCORPORATION Non-Profit CorporationOTHER OtherPART General PartnershipSOLEPROPRIETORSHIP Sole ProprietorshipTRUST Trust

UADContentIdentifier Constant DescriptionUAD Version 9/2011 UAD Version 9/2011

UDF1 User Defined Field 1; additional information expected by the file recipient UDF2 User Defined Field 2; additional information expected by the file recipient UDF3 User Defined Field 3; additional information expected by the file recipient UnderConstructDueToRemodeling

Property is under construction due to remodelingConstant DescriptionNO NoUNDER50 Under 50% OVER50 Over 50%

Underwriting/UnderwritingDetail/ContactUnderwritingIndicator

When Yes, indicates that the loan was underwritten by a contract underwriting organization.

Underwriting/UnderwritingDetail/DelegatedUnderwritingIndicator

Yes, indicates that the loan was manually underwritten.

Underwriting/UnderwritingDetail/LoanManualUnderwritingOrganizationName

Name of the organization that has manually underwritten the loan.

Underwriting/UnderwritingDetail/LoanUnderwriterName

The name of the individual that has manually underwritten the law.

Underwriting/UnderwritingDetail/LoanUnderwritingInvestorGuidelinesIndicator

Yes, indicates that a loan was underwritten to guidelines of the investor.

Underwriting/UnderwritingDetail/LoanUnderwritingSubmitterTypeOtherDescription

A free-form text field used to collect additional information when Other is selected for Loan Underwriting Submitter Type.


Underwriting/UnderwritingDetail/UnderwritingCommentsDescription

A free-form text field used to capture comments of the underwriter.

UniqueID Subsequent Unique ID assigned to the information contained in the current node for reference starting at 1Same value for Unique ID should be assigned to corresponding Applicant and Co Applicant parties

Unit Unit of the propertyUnitCostCompare Constant Description

HIGH HighLOW LowTYPICAL Typical

UnitType Type of UnitConstant DescriptionAPT ApartmentBASEMENT BasementBUILDING BuildingCONDO CondominiumDEPT DepartmentFLOOR FloorFRONT FrontHANGER HangerKEY KeyLOBBY LobbyLOT LotLOWER LowerOFFICE OfficeOTHER OtherPENTHOUSE PenthousePIER PierREAR RearROOM RoomSIDE Side

UnitType Type of UnitConstant DescriptionSLIP SlipSPACE SpaceSTOP StopSUITE SuiteTRAILER TrailerUNIT UnitUPPER Upper

UniversalDocumentClassificationType

For available values, see Exchange Integration Consultant

UnpaidPrincipleAmount Principle Balance Unpaid (UPB)


UnparsedLegalDescriptionType

Constant DescriptionLong The unabbreviated, complete legal description of a

property from the jurisdictional authority in which it resides.

Other To be used when a value is not in the enumerations.Short An abbreviated legal description of a property from the

jurisdictional authority in which it resides.UnplattedLandType Constant Description

GovernmentSurvey A survey made by a government entity of tracks of land including townships, sections and quarter sections of land.

LandGrant A track of land given ty the government as for colleges or railroads.

MetesAndBounds The boundaries or limits of a tract of land especially as described by references to lines and distances between points on the land.

NativeAmericanLand Public lands or Indian Reservation lands in the lower 48 States available for purchase by a Native American for his or her individual use.

Other To be used when a value is not in the enumerations.Ranchero A person who farms or works on a ranch, especially in

the southwestern US and Mexico.

Update/Type Constant DescriptionAGENCYCASENUMBER Agency Case NumberDUEDATEMOD Due Date Modification

UploadType Defines contents of zip file for Document DeliveryConstant DescriptionClosing Package Closing Package

UsageType Clarification of the usage typeConstant DescriptionINVES InvestorPRIMRES Primary ResidenceSECHOM Second HomeOTHER Other

USCitizen Indicates if a party is US CitizenUserName The name of the user in ExchangeUserFunction A predefined code setup for a user's functionUserRoleType Defines the Role of the User

Constant DescriptionBDM Business Development ManagerBROKER Broker


UserNotificationType User Notification Action Type Constant DescriptionAdd Identifies that the Individual should be added to the loan and all orders

associated with the loan.Other Used when UserNotificationType value not supported in enumerations.Remove Identifies that the Individual should be Removed from the loan and all

orders associated with the loan.Update Identifies that the Individual's information should be updated on the

loan and all orders associated with the loan. This will NOT update the individual information in the base system, only for the specific order.


ValidFindingsOverrideCodes

The following values will also be found in the OverrideReasonCode


HardStopCode

OverrideReasonCode

OverrideReasonCodeDescription Comment Required

101 RQ10101 Value is correct and validated by lender

N

101 RQ10199 Other (see comment) Y202 RQ20201 Appraiser license number is new and

not included in the ASC databaseN

202 RQ20202 Appraiser license number is not correct in the ASC database

N

202 RQ20203 Appraiser license number is correct and validated by lender

N

202 RQ20299 Other (see comments)203 RQ20301 The ASC database is not current Y203 RQ20302 There is an error in the ASC database.

The license is not suspendedN

203 RQ20399 Other (see comments) Y204 RQ20401 The ASC database is not current N204 RQ20402 There is an error in the ASC database.


204 RQ20499 Other (see comments) Y212 RQ21201 Supervisory appraiser license number

is new and not included in the ASC database

N

212 RQ21202 Supervisory appraiser license number is not correct in the ASC database

N

212 RQ21203 Supervisory Appraiser license number is correct and validated by lender

N





214 RQ21499 Other (see comments) Y302 RQ30201 Recent/new construction N302 RQ30202 Subject address located in rural area N302 RQ30203 Address has recently changed and

therefore may not be in the databaseN

302 RQ30204 Address is correct and verified via local professional

N

302 RQ30205 Address is correct and verified by lender

N

302 RQ30299 Other (see comments) Y303 RQ30301 No unit number required. Verified by

lenderN

303 RQ30399 Other (see comments) YRQFN01 Lender has a variance from Fannie

Mae. N

RQFN02 Lender confirmed that the appraisal meets Fannie Mae requirements.

N

RQFN03 Lender confirmed that the property meets Fannie Mae requirements.

N

RQFN04 Lender validated that the message fired in error.

N

RQFN05 Other Y

Constant DescriptionOD001 Override automatically approvedOD002 Override request accepted; Submitters delegated authority acceptedOD003 Override request denied, Resubmit a corrected appraisal file

ValuationUseType ValuationUseType

Constant DescriptionComparable Comparable property valuationSubjectProperty Subject Property Evaluation

ValueComments Comments regarding the value of the propertyVerificationEmploymentRequestType

Constant DescriptionALL Indicates the verification service should include

all current and previous employers.CURRENT Indicates the verification service should include

all current employers.PREVIOUS Indicates the verification service should include

all previous employers.VerificationMethodType Constant Description

Other OtherVerbal VerbalWritten Written

VerificationStatusType Indicates the status of the verification.Constant DescriptionNotVerified Not VerifiedToBeVerified To be verifiedVerified Verified

VerificationTypeConstant DescriptionVERBAL VerbalVERBALWITHSIGNATURE Verbal verification with signature

to follow.WRITTEN Written

VerifyAssociation Verify Homeowner’s Association

VestingInfo Information about the owner with a vested interest

WageType Constant DescriptionADJUSTEDGROSS Adjusted GrossTOTALGROSS Total Gross

WaterDamage Water damage to the propertyConstant DescriptionNO NoUNDER50 Under 50% damagedOVER50 Over 50% damaged

XRefType Cross referencing values for Piggyback loans.Constant DescriptionPROPERTY PropertyPARTY PartyLOAN Loan

YearBuilt Year the structure at the property was built

Zip The zip code of the address
