Data Dictionary for REC-XML Files Dictionary... · Web viewSales Comp #9 PLATMAP Plat Map FLOODMAP...

RealEC Data Dictionary RealEC-XML Integration

August 2019 v1.0

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RealEC Data Dictionary, August 2019 Release 2019-08 v1.0 Page 2 of 136

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

Data Field Data Definition

Action Action ValuesConstant 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


Constant DescriptionCURRENT CurrentMAILING MailingOTHER OtherPRIMARY Primary

Data Field Data DefinitionAddressUnitDesignatorType An additional address designation that further defines the delivery location.

Constant DescriptionApartment ApartmentBasement BasementBuilding BuildingCondo CondoDepartment DepartmentFloor FrontHander KeyLobby LotLower LowerOffice 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

orderConstant 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.

ManufacturedCondomini Identified manufactured home within a


Data Field Data Definitionum 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, UnknownAdjustment/ 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, Other

AgencyType Identifies Loan Type for Agency Case NumberConstant 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 WEC Workflow.

WEC Web Enabled Closing. *Includes RealEC WEC Workflow.

AppraisalData/Subject/Purpose Constant DescriptionSALE SaleREFI RefinanceNA Not Applicable


Data Field Data DefinitionAppraisalSummary/PropertyType Type of property

Constant DescriptionAPT ApartmentBOATSLIP Boat SlipCOMM Commercial (Non-Residential)CONDO CondominiumCONDOTEL CondotelCOOP Co-opDUP 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

AppraisalPurposeType Appraisal PurposeConstant DescriptionFlipTransaction Flip TransactionMateriallyDeficientReplacement Materially Deficient ReplacementReInspection Re-Inspection

Other

Other used when an Appraisal Purpose is not included in the enumerations.

AppraisalType Type of appraisal for the propertyConstant Description1004 Uniform Residential Appraisal Form1073 Individual Condominium Unit Appraisal Form

2055Desktop Underwriter Quantitative Analysis Appraisal Form

REC RealEC Standard 385AppraiserRequirementType Appraiser Requirement

Constant DescriptionNewAppraiser New AppraiserOriginalAppraiser Original Appraiser

Other

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


Data Field Data DefinitionAppraiserSpecialtyType Appraiser skill set required to perform appraisal for specified property.

Constant DescriptionWaterFrontProperty Water Front PropertyUniqueProperty Unique PropertyResortProperty Resort PropertyTribalProperty Tribal PropertyHighEndProperty HighEnd PropertyComplyingPlan Complying Plan and Specification

OtherOther 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.

ParkingSpacea space where an automobile can be parked parking zone space – an area reserved for some particular purpose

StorageUnit A building or space in a building for put away belongings.


Data Field Data DefinitionArchitecturalDesignConfigurationType

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.

ARMData/ IndexType ARM Index TypeConstant 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 YieldARMMargin 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 property


Data Field Data DefinitionAsIsPrice/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 Number

OTHER OtherPARCELIDNUMBER Parcel Identification NumberTAXMAPID Tax Map IdentificationTAXPARCELID Tax Parcel Identification

NumberTORRENCERTID Torren Certification

IdentificationAssignmentType(Appraisal 100)

Constant DescriptionNoRestriction No RestrictionsNotOnMasterServicerRestrictionList

Not on Master Servicer Restriction List

MasterServicerApprovedList Master Servicer Approved ListMasterServicerApprovedListWithoutFieldReviewRequirement

Master Servicer Approved List Without Field Review Requirement

AuthorityApprovedList Authority Approved ListFHAAppraiserWithHQSCerification

FHA Appraiser with HQS Certification

Other Other used when an Assignment Type is not part of the Enumerations.

Assignment/Type Type of Title AssignmentConstant 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


Data Field Data DefinitionAssignmentConditionType AssignmentConditionType

Constant 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 Client

ProfessionalDesignation An Appraiser with a Professional Designation

VAPanel VA PanelAssociationAccount 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 party


Data Field Data DefinitionAuthorityType Constant Description

AAR Annual Assessment ReservesBRGH BoroughCITY City TaxCOUNTY County TaxINDDIST Independent DistrictMISC Misc 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 Tax

AuthorityType (Cont) SpecialDistrictTax 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 USCitizenNonResident

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

Constant Description

AUTOMOBILE Automobile

BOND Bond

BORROWERESTIMATEDTOTALASSETS

Borrower Estimated Total Assets

BRIDGELOANNOTDEPOSITED

Bridge Loan Not Deposited

CASHONHAND Cash On Hand

CERTIFICATEOFDEPOSITTIMEDEPOSIT

Certificate Of Deposit Time Deposit


Data Field Data DefinitionCHECKINGACCOUNT Checking Account

EARNESTMONEYCASHDEPOSITTOWARDPURCHASE

Earnest Money Cash Deposit toward Purchase

GIFTSNOTDEPOSITED Gifts Not Deposited

GIFTSTOTAL Gift Total

GRANTSNOTDEPOSITED Grants Not Deposited.

LIFEINSURANCE Life Insurance

MONEYMARKETFUND Money Market Fund

MUTUALFUND Mutual Fund

NETWORTHOFBUSINESSOWNED

Net Worth of Business Owned

OTHERLIQ Other Liquid Assets

OTHERLIQUIDASSETS Other Liquid Assets

OTHERNONLIQUIDASSETS

Other Non-Liquid Assets

PENDINGNETSALEPROCEEDSFROMREALESTATEASSETS

Pending Net Sale Proceeds From Real Estate Assets

REALESTATEOWNED Real Estate Owned


Data Field Data DefinitionBorrowerAssets/AssetType (cont)

RELOCATIONMONEY Relocation Money

RETIREMENTFUND Retirement Fund

SALEOTHERASSETS Sale Other Assets

SAVINGSACCOUNT Savings Account

SECUREDBORROWERDFUNDSNOTDEPOSITED

Secured Borrowed Funds Not Deposited

STOCK Stock

TRUSTACCOUNT 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

BorrowerResidencyType Indicate if the address is the borrowers Current or Previous residency.


Constant DescriptionCURRENT CurrentPREVIOUS Previous

Data Field Data DefinitionBranchReqtDelivery Delivery of product information

Constant DescriptionEMAIL EmailREALEC RealECPRINT2LSER Print to LaserOVERNIGHT OvernightUSPS Reg 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 OwnershipType

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 structures 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


Data Field Data DefinitionCarStorageType Type of Car Storage


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 carport.

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 REC-XML File

Comment Additional information or explanation regarding the associated record or dataCommunityName NFIP Community NameCommunityNumber NFIP Community Number


Data Field Data DefinitionCompanyIndustry IDK Code Description

LENDING LendingHUMANRESOURCES Human ResourcesINSURANCE Insurance

CompanyType Type of CompanyIDK Code DescriptionCORP CorporationEST EstatePART General PartnershipLMTD Limited PartnershipTRUST Trust

ComplianceType Type of ComplianceConstant DescriptionILLEGAL IllegalLEGAL LegalLEGAL NONCONFORMING 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


Data Field Data DefinitionConstructionMethodType The Construction Method

Constant Description MANUFACTURED ManufacturedMODULAR ModularMOBILEHOME Mobile HomeSITEBUILT SitebuiltONFRAMEMODULAR On Frame ModularOTHER Other

ConstructionStatusType Construction StatusConstant Description Complete CompleteExisting ExistingIncomplete IncompleteProposed ProposedSubjectToAlteration Subject to AlterationSubjecttoAlterationImprovement

Subject to Alteration Improvement

SubstantiallyRehabilited Substantially RehabilitedUnderConstruction Under Construction

Other

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


Data Field Data DefinitionContactMethod Type of Contact Method

Constant DescriptionEMAIL EmailFAX FaxMAIL MailPHONE PhoneOTHER Other

ContactPointRoleType ContactPointConstant DescriptionHome HomeMobile MobileOther OtherWork Work

ContactType ContactTypeConstant 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 Afghanistan



CountryCode (Cont.)

AG Antigua and BarbudaAI AnguillaAL AlbaniaAM ArmeniaAO AngolaAQ AntarcticaAR ArgentinaAS American SamoaAT AustriaAU AustraliaAW ArubaAX Aland Islands !Åland IslandsAZ AzerbaijanBA Bosnia and HerzegovinaBB BarbadosBD BangladeshBE BelgiumBF Burkina FasoBG BulgariaBH BahrainBI BurundiBJ BeninBL Saint BarthélemyBM BermudaBN Brunei DarussalamBO Bolivia, Plurinational State ofBQ Bonaire, Sint 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 Cameroon



CountryCode (Cont.)

CN ChinaCO ColombiaCR Costa RicaCU CubaCV Cabo VerdeCW CuraçaoCX Christmas IslandCY CyprusCZ Czech RepublicDE GermanyDJ DjiboutiDK DenmarkDM 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 Guatemala



CountryCode (Cont.)

GU GuamGW Guinea-BissauGY GuyanaHK Hong KongHM Heard Island and McDonald IslandsHN HondurasHR CroatiaHT HaitiHU HungaryID IndonesiaIE IrelandIL 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 Latvia



CountryCode (Cont.)

LY LibyaMA MoroccoMC MonacoMD Moldova, Republic ofME MontenegroMF Saint Martin (French part)MG MadagascarMH Marshall IslandsMK Macedonia, the former Yugoslav Republic ofML MaliMM 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 Poland



CountryCode (Cont.)

PM Saint Pierre and MiquelonPN PitcairnPR Puerto RicoPS Palestine, State ofPT PortugalPW PalauPY ParaguayQA QatarRE Reunion !RéunionRO 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 Sint Maarten (Dutch part)SY Syrian Arab RepublicSZ SwazilandTC Turks and Caicos IslandsTD ChadTF French Southern TerritoriesTG TogoTH ThailandTJ TajikistanTK TokelauTL Timor-LesteTM TurkmenistanTN Tunisia


Data Field Data DefinitionTO TongaTR TurkeyTT Trinidad and TobagoTV TuvaluTW Taiwan, Province of ChinaTZ Tanzania, United Republic ofUA UkraineUG UgandaUM 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 CreditCard

Constant DescriptionBROKER BrokerBORROWER BorrowerLENDER LenderOTHER Other

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



Data Field Data DefinitionEQB EquifaxBeaconEQBAUTO EquifaxBeaconAutoEQBBC EquifaxBeaconBankcardEQBINSTALL EquifaxBeaconInstallmentEQBPFIN EquifaxBeaconPersonalFinanceEQB5 EquifaxBeacon5.0EQBAUTO5 EquifaxBeacon5.0AutoEQBBC5 EquifaxBeacon5.0BankcardEQBINSTALL5 EquifaxBeacon5.0InstallmentEQBPFIN5 EquifaxBeacon5.0PersonalFinanceEQBDAS EquifaxDASEQENHB EquifaxEnhancedBeaconEQENHBDAS EquifaxEnhancedDASEQMM EquifaxMarketMaxEQMSCORE EquifaxMortgageScoreEQPIN EquifaxPinnacleEQPIN2 EquifaxPinnacle2.0EXPFAIR ExperianFairIsaacEXPFAIRADV ExperianFairIsaacAdvancedEXPFAIRAUTO ExperianFairIsaacAutoEXPFAIRBC ExperianFairIsaacBankcardEXPFAIRINSTALL ExperianFairIsaacInstallmentEXPFAIRPERFIN ExperianFairIsaacPersonalFinanceEXPMDS ExperianMDSBankruptcyIIEXPNNEQUIV ExperianNewNationalEquivalencyEXPNNRISK ExperianNewNationalRiskEXPONRISK ExperianOldNationalRiskNONTRAD Non-TraditionalOTHER OtherTUDELPHI TransUnionDelphiTUEMP TransUnionEmpiricaTUEMPAUTO TransUnionEmpiricaAutoTUEMPBC TransUnionEmpiricaBankcardTUEMPINSTALL TransUnionEmpiricaInstallmentTUEMPPERFIN TransUnionEmpiricaPersonalFinanceTUNEWDELHPI TransUnionNewDelphiTUPRECISION TransUnionPrecision

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


Data Field Data DefinitionCurativeReason/Type Constant Description

Pre-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 fileDateSensitiveDocs 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


Data Field Data DefinitionDirection2 Direction 2 of the situs information of the property

Constant DescriptionE EastN NorthNE NortheastNW NorthwestS SouthSE SoutheastSW SouthwestW West

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

DOB Date of birthDocDate 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 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.



DocType (Cont)

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 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



DocType (Cont)

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 Notice

Invoice 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 3.0MISMO31 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.


Data Field Data DefinitionPREVALFAILUREREPORT 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 property. 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 Report

ValuationUpdate Details an update or correction to an appraisal report. AKA: Appraisal Update.

Automated Valuations


Data Field Data DefinitionConstant 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 StatementsCOMCLSTMT 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 Transmittal

GFE 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 Agreement

LPOALimited Power of Attorney (LPOA)

MARRIAGECERTIFICATE Marriage Certificate

MANDDISRPTManditory Disclosure Report (MDR)

MDREIR Combined MNOTE NotePAYOFF PayOffPAYOFFDMD Payoff DemandPURCHAGREE Purchase AgreementRECORDEDMORTGAGE

Recorded Mortgage


Data Field Data DefinitionSECURITYINSTRUMENT

Security Instrument

SECURITYINSTRUMENTMOD

Security Instrument Mod

SECURITYINSTRUMENTRIDER

Security Instrument Rider

SERCURITYINSTRUMENT

Security 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 with 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


HUD1 HUD1 (Final)HUD1A HUD1A (Final)


Data Field Data DefinitionHUD1PRE HUD1 (Preliminary) HUD1APRE HUD1A (Preliminary) LOANMODAGREE Loan Modification AgreementSERVINV Service InvoiceTRAILDOCS Trailing Documents

FloodConstant DescriptionBASIC Basic CertificateEXECPROCESSDISCLOSURE


LIFELOANCERT Life of Loan CertificateSERVINV Service Invoice

Good Faith EstimateConstant DescriptionEXECPROCESSDISCLOSURE


SRVCPROVLIST Service Provider ListCOMPLIANCECERTIFICATE

Compliance Certificate

Loan Quality AnalyticsConstant DescriptionAPRIORIRESULTS Apriori ResultsFOREIGNDOCUMENTUPLOAD

Foreign Document Upload (PC 698) requires this value

MISMO30 ULDD Upload (PC 698) requires this value

MISMO32 MISMO 3.2MISMO33 MISMO 3.3QIDATAAGGREGATE QI Aggregate Data

Mortgage InsuranceConstant DescriptionDENIAL Denial LetterEXECPROCESSDISCLOSURE


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


Data Field Data DefinitionCLOSINGPROTECTIONLETTER Closing Protection LetterCLEARTOCLOSE Clear to CloseCLSTMT Closing StatementsCURATIVE Curative Documentation DEEDOFTRUST Deed of TrustEQUITYPOLICY Equity PolicyEXECPROCESSDISCLOSURE


FEESHT 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 FileOWNPOLICY 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 Policy


Data Field Data DefinitionTITLERPT Title ReportTITLESRCH Title SearchTRUSTOPIN Trust Opinion TRAILDOCS Trailing DocumentsVESTING Vesting Information

VerificationsConstant DescriptionAUTHENTICATIONCROSSCHECK

Authentication/Cross Check Report

BORRAUTH Borrower AuthorizationBORROWEROCCUPANCY

Verification of Borrower Occupancy

CONDOBUDGET Condo BudgetCONDOBYLAWDECLARATION

Condo By Law Declaration

CONDOCOMBINEDDOCUMENTATION

Condo Combined Documentation

CONDOEVALUATION Condo EvaluationCONDOQUESTIONNAIRE

Condo Questionnaire

EXECPROCESSDISCLOSURE


HOAACCOUNTINFORMATION

HOA Account Information

HOMEOWNERSHIPCOUNSELINGNOTICE

Homeownership Counseling Notice

INSURANCEDOCUMENTATION

Insurance Documentation

PROPERTYUNITNUMBER

Verification of Property Unit Number

TAXRETURN4506T Request for Transcript of Tax Return (4506-T)

UNDISCLOSEDLIABILITIES

Verification of Undisclosed Liabilities

VOE VOEVOI VOIVOID Verification of Identity

Risk ManagementConstant DescriptionHSTPRO HistoryPro Report

Risk Mgt (Fraud)Constant DescriptionDVDRIVE Data Verify Drive ReportsFRAUDGUARD FraudGUARDLSRMD 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 AddSecurityInterestALTERNATIVECONTACT AlternativeContactANNUITY AnnuityARM ARMASSIGNMENTOFDEEDOFTRUST

AssignmentOfDeedOfTrust

ASSIGNMENTOFMORTGAGE AssignmentOfMortgageASSIGNMENTOFRENTS AssignmentOfRentsASSIGNMENTOFTRADE AssignmentOfTradeBALANCESHEET BalanceSheetBALLOON BalloonBARGAINANDSALEDEED BargainAndSaleDeedBIWEEKLY BiWeeklyBLANKETASSIGNMENT BlanketAssignmentBUILDERCERTIFICATIONOFPLANSANDSPECIFICATIONS

BuilderCertificationOfPlansAndSpecifications

BUILDERSCERTIFICATE BuildersCertificateCARPET CarpetCASHFLOW CashFlowCHECKINGACCOUNT CheckingAccountCONDOMINIUM CondominiumCONSOLIDATED ConsolidatedCONSOLIDATIONAGREEMENT

ConsolidationAgreement

CONSTRUCTION ConstructionDocument/SubType - Cont.COOPERATIVEASSIGNMENTOFPROPRIETARYLEASE

CooperativeAssignmentOfProprietaryLease

CREDITINCREASE CreditIncreaseDEEDOFTRUST DeedOfTrustDRIVERSLICENSE DriversLicenseDURABLE DurableEARTHQUAKE EarthquakeENVIRONMENTAL EnvironmentalFEDERAL FederalFINANCIALPOSITION FinancialPositionFIREANDEXTENDEDCOVERAGE

FireAndExtendedCoverage

FLOOD FloodFNM1009 FNM1009FOOTINGS FootingsFRAMING FramingGAPINEMPLOYMENT GapInEmployment



Document/SubType (Cont)

GEM GEMGPM GPMHAZARD HazardHEATING HeatingHECMLOANAGREEMENT HECMLoanAgreementHOMEOWNERS HomeownersHUD1 HUD1HURRICANE HurricaneIDENTITYTHEFT IdentityTheftINCOME IncomeINCREASESECURITY IncreaseSecurityINSECTINFESTATION InsectInfestationINSULATION InsulationINTERVIVOSREVOCABLETRUST

InterVivosRevocableTrust

IRS1040 IRS1040IRS1041 IRS1041IRS1065 IRS1065IRS1099A IRS1099AIRS1099B IRS1099BIRS1099C IRS1099CIRS1099CAP IRS1099CAPIRS1099DIV IRS1099DIVIRS1099G IRS1099GIRS1099H IRS1099HIRS1099INT IRS1099INTIRS1099LTC IRS1099LTCIRS1099MISC IRS1099MISCIRS1099OID IRS1099OIDIRS1099PATR IRS1099PATRIRS1099Q IRS1099QIRS1099R IRS1099RIRS1099S IRS1099SIRS1099SA IRS1099SAIRS1120 IRS1120IRS1120S IRS1120SIRS4506 IRS4506IRS4506T IRS4506TLEASEHOLD LeaseholdLETTEROFEXPLANATION LetterOfExplanationLETTEROFINTENT LetterOfIntentLIENRELEASE LienReleaseLIMITED LimitedLOCAL LocalMANUFACTURED ManufacturedMANUFACTUREDHOUSING ManufacturedHousingMILITARY MilitaryMINESUBSIDENCE MineSubsidenceMODIFICATIONAGREEMENT

ModificationAgreement


Data Field Data DefinitionMORTGAGE MortgageMUTUALFUNDACCOUNT MutualFundAccountNAME NameNEWMONEY NewMoneyNONOWNER NonOwnerOPENACCOUNT OpenAccountOTHER OtherPASSPORT PassportPENSION PensionPERSONALPROPERTY PersonalPropertyPEST PestPLUMBING PlumbingPREPAYMENT PrepaymentPROPERTYINSPECTION PropertyInspectionPUD PUDQUITCLAIMDEED QuitClaimDeedRATEIMPROVEMENT RateImprovementREHABILITATION RehabilitationROOF RoofSATISFACTIONOFDEEDOFTRUST

SatisfactionOfDeedOfTrust

SATISFACTIONOFMORTGAGE

SatisfactionOfMortgage

SAVINGACCOUNT SavingAccountDocument/SubType (Cont)SECONDHOME SecondHomeSEPTIC SepticSIGNATURE SignatureSOIL SoilSOILTREATMENT SoilTreatmentSTATE StateSTOCKACCOUNT StockAccountSTORM StormSTRUCTURALENGINEERING StructuralEngineeringSUBTERRNEANTERMITE SubterraneanTermiteTERMITE TermiteTERMITETREATMENT TermiteTreatmentTORNADO TornadoTRAILINGSPOUSE TrailingSpouseTRUDT TrustURLA URLAUTILTIYBILL UtilityBillVA VAVAQUESTIONAIRE VAQuestionnaireVISA VisaVOLCANO VolcanoWARRANTYDEED WarrantyDeedWATERHEALTH WaterHealthWELL WellWIND Wind


Data Field Data DefinitionDocument/SuperType The SuperType give a more generalized category of the encoded documents usage.

Constant DescriptionBORROWERAPPLICATION BorrowerApplicationBORROWERCREDITANDLIABILITIES

Borrower Credit And Liabilities

BORROWERINCOMEANDASSETS

Borrower Income And Assets

CLOSING 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 processing

DocumentRecipientClassificationType

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

first signator on the document(s).

Secondary Identifies the recipient as the second signator on the document(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 ReferEligible


Data Field Data DefinitionOUTSCOPE OutOfScopeAPPRELIG ApproveEligibleREFERINELG ReferIneligibleUNKN UnknownAPPRINELG ApproveIneligibleREFERWCA ReferWithCautionREFER ReferDENY DenyERROR ErrorCOMPLETE CompleteAPPRV ApproveINELIG IneligibleCOMPWCA CompleteWithCautionREFERWCA1 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

EmploymentStatusType Describes a person’s current position in the workforce.Constant DescriptionOTHER OtherRETIRED PreviousSALARYORWAGEARNERW2

W2 Employed

SELFEMPLOYED Owner with or without employees including I9 Workers or a 1099/Contractor

STUDENT Not actively employed and in school

UNEMPLOYED Not actively employedEncodeType Type of encoding of the document

Constant DescriptionBase64 Base 64NONE No Encode


Data Field Data DefinitionOTHER 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 RealEC 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 reportedExtDescFoundType Exterior Foundation Type

Constant DescriptionBLOCKPIER Block and PierOTHER OtherPOURD PouredRUNNERS Runners

ExpireDate Date and time to purge the document from RealECFax 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 Reserve


Data Field Data DefinitionAPP 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 PremiumHAZINSRES 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 Fee


Data Field Data DefinitionNEWLOAN 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 FeeWINDSTORMINSRES Windstorm Insurance ReserveYIELDPREM Yield Spread Premium

Fee/Status Fee/StatusConstant DescriptionESTIMATED EstimatedFINAL Final


Data Field Data DefinitionFee/Type Fee/Type

Constant 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

200200: 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 Only


Data Field Data DefinitionFileName Document file name. The following files extensions are allowed to process through

RealEC.ExtensionbmpcsvdatenvdocFiofnmgifherhtmhtmljpegjpgmhtmdimsgpclpdfpngprnRECrtfsnptiftifftxtwpxapxmlxlszipzooDOCXxlsxZipx

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 #4


Data Field Data DefinitionConstant DescriptionSALESCMP5 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 SketchSITEBUILDSKETCH 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


Data Field Data DefinitionFileType Document F ileType.

Constant DescriptionBIN binENV envHTML htmlJPG jpgMISMO-XML MISMO-XMLOTHER OtherPCL pclPDF pdfREC RealEC 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 filedFindingsCodeFHAValues HardStopCode

FindingsCodeFHAValues HardStopCode (Cont)

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



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)



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)

Auto1

FHA500 FHA Case Number is missing or provided in an invalid format

N

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

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 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

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


Data Field Data DefinitionCode Description Override

AllowedFHA3300 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 N

FHA5015 Improvement Type must be provided

N

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


Data Field Data DefinitionCode Description Override

AllowedFHA6000 Price of Prior Sale/Transfer

must be providedN

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)

Y

302 RQ30201 Recent/new construction

N

302 RQ30202 Subject address located in rural area

N

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)

Y

FHA201 RQFHA20101 Lender validated that information is correct and appraiser is on the FHA Appraiser Roster

N

FHA201 RQFHA20199 Other (see comments)

Y

FHA4001

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

Fireplaces Number of fireplaces at the property


Data Field Data DefinitionFirstName First name of the party in the current nodeFloodZone Indicates if property is in a Flood ZoneFloodZoneDetermination Indicates if property is in a Flood ZoneFormType (Appraisal 385) IDK Code Description

FORM1004 Residential Appr RptFORM1004C Manuf Home Appr RptFORM1004D Appr Upd/Cmpl OrderFORM1004MC Marketing Condition

AddendumFORM1073 Indiv Condo Unit Appr RptFORM1075 Ext Only Insp Indiv CondoFORM1025 Small Res Income Appr RptFORM2000 1 Unit Res Appr Field ReviewFORM2000A 2 to 4 Unit Res ApprFORM2055 Ext Only Resident Appr RptFORM2090 Indiv Coop Interest ApprFORM2095 Ext Only Indiv Coop InterestFORM2006FLDREV Field Review 2000 – 2-4 UnitsFORMADDENDUM AddendumFORMOTHER Other

FormatType Constant DescriptionUAD Uniform Appraisal Dataset

FormType(DocumentList/Event 150)(DocumentList/Event 536)(DocumentList/Event 537)(DocumentList/Event 538)

Constant Description1004 1004 Residential Appraisal Report

1004C1004C Manufactured Home Appraisal Report

1004D Appraisal Update and/or Completion Report

10251025 Small Residential Income Property Appraisal Report

10731073 Individual Condominium Unit Appraisal Report

10751075 Exterior Only Individual Condominium Unit Appraisal Report

20552055 Exterior Only Inspection Residential Appraisal Report

20902090 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 field

FoundationType Type of Foundation used on propertyConstant DescriptionCRAWLSP Crawl spaceSLAB SlabPIERBEAM Pier and BeamUNKNOWN Unknown

FraudRequestDataInfo/ Loan Subject Property Type


Data Field Data DefinitionGSEPropType Constant Description

ATTACH Attached CONDO Condominium CONDOTEL CondotelCOOP Cooperative DETACH Detached DETACHCONDO DetachedCondominiumDETACHCOOP Coop DetachDETACHPUD PUD DetachHIGHRISE HighRiseCondominium MANUFACT ManufacturedHousingMHCDOPUDCOOP ManufacturedHomeCondominiumOrPUD

OrCooperativeMHCONDO ManufacturedHomeCondominiumMHDOUBL ManufacturedHousingDoubleWideMHMULTI ManufacturedHomeMultiWideMHSINGL ManufactureHousingSingleWideMODULAR 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 requirements as defined by a Local Housing Finance Authority in support of a manual underwrite.

FULL FullDocumentation NODEP NoDepositVerification NODEPEMPINC NoDepositVerificationEmploymentVerifi

cationOrIncomeVerification NODOC NoDocumentation NOEMPINC NoEmploymentVerificationOrIncomeVeri

fication REDUCED Reduced STRMREFI StreamlineRefinanceNORATIO NoRatioLIMITDOC LimitedDocumentationNOINCNOA1003 NoIncomeNoEmploymentNoAssetsOn10

03NOINC1003 NoIncomeOn1003NOVOSIEORA NoVerificationOfStatedIncomeEmployme


Data Field Data DefinitionntOrAssets

NOVOSIORA NoVerificationOfStatedIncomeOrAssetsNOVOSA NoVerificationOfStatedAssetsNOVOSIORE NoVerificationOfStatedIncomeOrEmploy

mentNOVOSI NoVerificarionOfStatedIncomeVERBALVOE VerbalVerificationOfEmploymentONESTUB OnePaystubONESTUBVOE OnePaystubAndVerbalVerificationOfEmp

loymentONESTUBW21004 OnePaystubAndOneW2AndVerbalVerific

ationOfEmploymentOrOneYear1040A2ASTREAMREFI Agency to Agency Streamline Refinance

FraudRequestDataInfo/ ReducedLoanDocumentType

Fraud Reduced Loan Document TypeConstant DescriptionNOINOA NoIncomeNoAsset NOINOR NoIncomeNoRatio STINCW4506 StatedIncomeWithIRSForm4506 STINCWO4506 StatedIncomeWithoutIRSForm4506 STINCASSET StatedIncomeStatedAssetSRASSET StatedAssets

FulFillmentType Constant DescriptionAppraisalManagementCompany Appraisal Management CompanyStaff Staff AppraiserUndecided Undecided

FundedTypeConstant DescriptionCHECK CheckWIRE WireOTHER Other

Garage Indicates if the property has a garage on siteGarageCondition 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 InformationNotProvidedUnknown MALE MaleNOTPROV NotProvided


Data Field Data DefinitionGeneration 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

GenDescNbrOfUnitsType(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


Data Field Data DefinitionGovernmentMonitoring/EthnicityType

Borrower’s Ethnicity TypeConstant DescriptionHISP HispanicOrLatinoNOTHISP NotHispanicOrLatinoNOTPROV InformationNotProvidedByApplicantInM

ailInternetOrTelephoneApplicationNA NotApplicable

GovernmentMonitoring/HMDARaceType

Borrower’s Race TypeConstant DescriptionAMERINDAK AmericanIndianOrAlaskanNativeASIAN AsianBLACK BlackOrAfricanAmericanPACISLAND NativeHawaiianOrOtherPacificIslanderWHITE WhiteNOTPROV InformationNotProvidedByApplicantInMailInter

netOrTelephoneApplicationNA NotApplicable

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

WALKOUT WalkOutWALKUP WalkUpINTERIORONLY 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 ConventionalCASH CashSELLER SellerRURALHOUSING Rural HousingOTHER Other

GSEImprovementAreaType1 GSEImprovementAreaType2

Constant DescriptionKITCHEN KitchenBATHROOMS Bathrooms

GSEImprovementDescType1 GSEImprovementDescType2

Constant DescriptionNOTUPDATED Not UpdatedUPDATED UpdatedREMODELED Remodeled

GSEListingStatusType Constant DescriptionACTIVE ActiveEXPIRED ExpiredWITHDRAWN Withdrawn


Data Field Data DefinitionCONTACT ContactSETTLEDSALE SettledSale

GSELocationType1 GSELocationType2 GSESubjLocationType1 GSESubjLocationType2

Constant DescriptionRESIDENTIAL ResidentialINDUSTRIAL IndustrialCOMMERCIAL CommercialBUSYROAD BusyRoadWATERFRONT 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 = REFIConstant DescriptionCODC CashOutDebtConsolidation COHIMP CashOutHomeImprovement COLIM CashOutLimited COOTHER CashOutOther NOCOFHA NoCashOutFHAStreamlinedRefinance NOCOREO NoCashOutFREOwnedRefinance NOCOTHER NoCashOutOther NOCOSTRM NoCashOutStreamlinedRefinance RATETERM ChangeInRateTermPORTRETSTRM PortfolioRetentionStreamlinedRefinance

GSESaleType Constant DescriptionREO Reo SaleSHORT Short SaleCRTORD Court Ordered Sale


Data Field Data DefinitionESTATE 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 Y

102 Appraisal Value is less than OR equal to $ 0 N

200 Missing appraiser license information N

202 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 Y

303 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

9001Appraisal 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

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

N

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

N

9001Appraisal 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 N

9003 PDF not included in XML submission N

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

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


9004 PDF conversion not allowed N

FNM0000 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.

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*

FNM0083 The sales contract was not analyzed.

Manually Overridableas of 1/26/2015

FNM0084 There was no comment on market conditions, even though one or more negative housing trends were indicated (declining, over supply, over 6 months).


FNM0085 Less than three settled sales were used as comparable.


FNM0086 Research of prior sale was not performed.


FNM0087 Research of prior sale was not performed.


FNM0092 State certificate is not provided on transaction amount over $1 million.


FNM0093 Appraiser license state does not match subject property state.


FNM0094 Supervisor license state does not match subject property state.


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


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


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


Data Field Data DefinitionHardStop (cont’)

Header/AckRequest Requests an acknowledgement of submission.


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


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


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


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.


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.


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.


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.


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.


FNM0195 Fannie Mae will not accept appraisals from this appraiser.


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


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.

Manually Overridable.

Data Field Data DefinitionHeader/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 REC-XML File is created.Header/Format Indicates the REC-XML format is =RealECHeader/GMTOffset “Greenwich Mean Time (GMT) is the local time at the Royal Observatory. This

determines the time zone specified by a simple offset from GMT.• -5 is for Eastern Time• -6 is for Central Time• -7 is for Mountain Time• -8 is for Pacific Time

Header/SourceApp Name of the application sending the XMLHeader/SourceID A value assigned by RealEC 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 schemaHeader/PrivNetID PrivNetID is listed as ‘deprecated’ in the database.Header/CreatedBy The RealEC Client ID of the party creating the REC-XML File assigned by RealEC.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 RealEC 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

HireDate 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


Data Field Data DefinitionHousingExpenseType Constant Description

FMORTPI First Mortgage Principal and InterestFMORTPITI First Mortgage Principal Interest, Tax

and Insurance GRNDRENT Ground Rent HAZINS Hazard Insurance

HOA Homeowners Association Dues And Condominium Fees

LEASEHOLDPAY Lease Hold PayMAINTANDMISC Maintenance and MiscellaneousMI MI OTHEREXP OtherHousingExpense OTHMORTPI Other Mortgage Loan Principal and

InterstOTHMORTPITI Other Mortgage Loan Principal,

Interest, Tax and Insurance REALTAX Real EstateTaxRENT 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

orderConstant DescriptionDAY DailyMONTH MonthlyYEAR Yearly

IncomeBaseAmount Base incomeIncomeTotalAmount Total incomeIncomeType Constant Description

BASE BaseBONUS BonusCOMMISSIONS CommissionsDIVIDENDINTEREST Dividend InterestOTHER OtherOVERTIME OverTimeTOTAL Total

InitialPayDate Initial payment date


Data Field Data DefinitionInspectedByRoleType 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 CompanyInvestorType 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.

IsValidateCriteria Indicates if any selection criteria is used for selecting the provider listing

JobTitle Job title


Constant DescriptionYES YesNO NoYes YesNo No



Data Field Data DefinitionLandUse Land Use

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


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 DefinitionLanguagePreferenceCode ISO

Code Languageab Abkhazianaa Afaraf Afrikaanssq Albanianam Amharicar Arabican Aragonesehy Armenianas Assameseay Aymaraaz 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 Faeroese



LanguagePreferenceCode (cont)

fa Farsifj Fijifi Finnishfr Frenchfy Frisiangl Galiciangd Gaelic (Scottish)gv Gaelic (Manx)ka Georgiande Germanel Greekkl Greenlandicgn Guaranigu Gujaratiht Haitian Creoleha Hausahe Hebrewhi Hindihu Hungarianis Icelandicio Idoid Indonesiania Interlinguaie Interlingueiu Inuktitutik Inupiakga Irishit Italianja Japanesejv Javanesekn Kannadaks Kashmirikk Kazakhrw Kinyarwanda (Ruanda)ky Kirghizrn Kirundi (Rundi)ko Korean



LanguagePreferenceCode (cont)

ku Kurdishlo Laothianla Latinlv Latvian (Lettish)li Limburgish ( Limburger)ln Lingalalt Lithuanianmk Macedonianmg Malagasyms Malayml Malayalammt Maltesemi Maorimr Marathimo Moldavianmn Mongolian


Data Field Data Definitionna Naurune Nepalino Norwegianoc Occitanor Oriyaom Oromo (Afan, Galla)ps Pashto (Pushto)pl Polishpt Portuguesepa Punjabiqu Quechuarm Rhaeto-Romancero Romanianru Russiansm Samoansg Sangrosa Sanskritsr Serbiansh Serbo-Croatianst Sesothotn Setswana


Data Field Data DefinitionLanguagePreferenceCode (cont)

sn Shonaii Sichuan Yisd Sindhisi Sinhalesess Siswatisk Slovaksl Slovenianso Somalies Spanishsu 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 MortgageOPEN 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



BORESTTOTMONLIAPAYBorrower Estimated Total Monthly Liability Payment

ALIMONY 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 Taxes

UNSHOMIMPLOANINSTUnsecured Home Improvement Loan Installment

UNSHOMIMPLOANREVUnsecured Home Improvement Loan Revolving

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)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 work flow based on rules associated with a “reapplication”.

Loan/ReApplicationDetail/RealECAssociatedSequenceIdentifier

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

Loan/ReApplicationDetail/RealECAssociatedTransactionIdentifier

Represents the RealEC Transaction 74dentifier 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 termLoan/Type Type of loan

Constant 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 indicator


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 propertyLotSizeUnit Unit of measurement for the size of the lot at the property

Constant 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 DateMaritalStatusMaritalStatusType

Current marital status of the selected partyConstant DescriptionDIVC DivorcedDOMESTICPARTNERCIVILUNION

Domestic Partner Civil Union

MARR 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 then 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 Residential

MultipleFamilyMorThanFourUnitsMultiple Family More than Four Units

Other

Other used when a NonResidentialPropetyType is not in the enumeration.

VacantLand Vacant LandOfferContingencyType The kind of contingency that must be met to complete the transaction

Constant 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 occurredOfferContingencyType 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 listed


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

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

OverrideAllowed 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 fileOverrideEmail An ad-hoc email addressed used for notifications with User FunctionPackagingType Constant Description

Custom This is only available when MailCarrierType = USPS.Priority

EnvelopeLetter 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.Priority

Package 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 DescriptionAssessorUnformattedIdentifier 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 unti 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 CompanyAPPRAISALUNDERWRITER Appraisal UnderwriterAPPRAISER AppraiserAPPRAISER2 Appraiser 2APPRAISERTRAINEE Appraiser TraineeATTORNEY AttorneyATTORNEYCOMPANY Attorney Company

BANKATTORNEY Bank AttorneyBROKER BrokerBUILDER BuilderBUILDERCOMPANY Builder Company


CLOSER 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

ParticipantType – ContHOMEOWNERSINSURANCECONTACT Homeowners Insurance ContactLANDLORD Land lordLANDLORDCOMPANY Landlord CompanyLENDER LenderLISTINGREALESTATEOFFICE Listing Real Estate OfficeLISTINGREALTOR Listing RealtorLISTINGREALTOR2 Listing Realtor 2LISTINGREALTOR3 Listing Realtor 3LOANOFFICER Loan OfficerLOANOFFICER2 Loan Officer 2LOANORIGINATOR 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 Banker


PROCESSOR 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

ParticipantType – ContTHIRDPARTYNEGOTIATORCOMPANY2 Third Party Negotiator

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

Party/ TypeRecipientType

Type of partyConstant 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 Representative


BORRTRANS 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 Loan.

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

integration with RealEC.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 Officer


TITLEUNDERWRITER 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

PartyRoleType (Cont)

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

pools of mortgages for sale on the secondary market.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.

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

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.

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.


PartyRoleType (cont)

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.

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.

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.

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.

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.

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.

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.

PropertyAccessCon The person that can provide access to the property.


PartyRoleType (cont)

tactPropertyOwner The property owner of public record.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 Buyers 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.



TaxableParty The individual or entity taxed on income or profits.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.

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

Other

Used 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.

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 amountRealEC Data Dictionary, August 2019 Release 2019-08 v1.0 Page 93 of 136

PercentOwnerOccupied 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

CertifiedSurveyMapA 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.

PlannedUnityDevelopmentA 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 poolPosition 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 FeeSimpleLEASE 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 FeeSimpleLEASE 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 numberEMAIL 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 REC-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 CardBILLTO Bill To

Product/ 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 RealEC Product CodeProductCodeReturned RealEC Product Code of the product filled by provider.ProductList/Product/PaymentInfo/PaymentInfoList/CreditCard/CCType

PaymentType Constant DescriptionAMERICANEXPRESS American ExpressDISCOVER DiscoverMASTERCARD Master CardVISA Visa


ProductList/Product/PaymentInfo/PaymentInfoList/PaymentType

PaymentType Constant DescriptionCREDITCARD Credit CardBILLTO 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


Assigned

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

OtherTo 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 NFIP


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 participates

03Not participating in program – no FEMA map available

04

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

05Withdrawn 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 ManufMWM Mulit Wide ManufOTHER 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 ExteriorOnlyNone 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 ResidenceMOBILE Manufactured HomeSFR Single FamilyTOWN TownhouseVACANT LandHOMEBUSINESSCOMBINDED Home and Business Combined

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

OTHER OtherProperty/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 Apartment

COMMCommercial (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 Report

Constant DescriptionCOMPL Certification of CompletionUPDATE Update

QualityRatingType Constant Description

AverageThe usual or ordinary kind of quality rating.

Excellent A superior quality rating.

FairA sufficient but not ample rating.

GoodA satisfactory rating containing a faint praise.

PoorAn inferior rating, less than adequate.

QuoteRequest Constant DescriptionYES Yes NO No

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


ReasonCode Reason Code and DescriptionReason Code Reason Code Description

1 Appraiser Needs Realtors Phone Number2 Borrower Did Not Show for Appt3 Borrower Not Responding4 Borrower Resists Inspection5 Loan Officer Needs to Contact Borrower6 Other7 Purchase Agreement Required8 Realtor Not Responding9 Realtor Not Returning Appraiser Calls

10 Rural Area11 Wrong Contact Numbers for Borrowers12 Wrong Property Address14 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 Home25 Property Not Complete26 Borrower Requested Cancel Loan27 Repairs Not Complete28 Legal Description29 Full Legal Names30 1003 Application 31 Abstract Authorization Form 32 Contact Borrower for missing information 33 Verify property address34 Verify loan amount35 Need loan number for 1st

36 Need Legal/Parcel Number37 Vacant Property38 No Access to Property39 Borrower executed right of rescission40 Notary/Attorney unavailable


ReasonCode Continued Reason Code and Description – continuedReason Code Reason Code Description

41 Loan withdrawn42 Rescheduled Date43 Borrower Declined44 Rate Lock Expired45 Closing Document Package Expired46 Scheduled Date exceeds Rate Lock Expire Date47 Scheduled Date exceeds Doc Package Expire Date48 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/Terms58 AIV Form Missing59 Executed Form Missing60 Documents not properly executed61 Missing required documents62 Wire incorrect63 Executed Closing Package not received64 Borrower executed right of rescission65 Borrower Funds Short66 Verifying Vesting67 Pending Trust Documents68 Subordination Required69 Unrecorded Liens70 Outstanding Judgments71 MI Suspended72 MI Declined73 Failure to Confirm within designated time limit74 Rush Order75 Appraiser Declined – Scheduling Conflict76 Appraiser Declined – Fee Dispute77 Declined – Complexity Appraiser Declined78 Phone Order79 2nd Appraisal Approval80 Cancelled by Branch


ReasonCode Continued Reason Code and Description – continuedReason Code Reason Code Description

81 Cancelled by Borrower82 Cancelled by Appraisal Department83 Cancelled by Appraiser84 Appraiser Did not Show for Appt85 Appointment Rescheduled by Borrower86 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 Completed96 Borrower Provided Missing Information97 Property Address Verified98 Loan Amount Verified99 Loan Number Provided

100 No Borrower Rescission101 Funds Already Disbursed By Provider 102 Technology Reason103 Borrower Reason104 Borrower has issue with Power of Attorney 105 Forced Traditional106 Provider Unable to Support WEC107 Deleted Hud Line108 Brokers Portal Documentation Delivery Cancelled

by User109 Brokers Portal Abandon by User110 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 Address122 Curative – Borrower Not Responding


ReasonCode Continued 123 Curative – Borrower Requested Cancel Loan124 Curative – CEM Authorization Needed125 Curative – Divorce Decree Pending126 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 valid133 Credit Card billing name is not valid134 Credit Card billing address is not valid135 Credit Card billing zip code is not valid136 Credit Card billing phone number is not valid137 Credit Card max limit is 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 Borrowers reported income is greater that IRS

reported income.151 Borrowers reported income is less than IRS

reported income.152 Overpayment153 Service Level Credit154 Duplicate Charge155 Replacement 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 Exception


ReasonCode Continued 165 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 valid171 Personnel First Name is not valid172 Personnel Last Name is not valid173 Processing Account Number is not valid174 Processing Tracking Number is not valid175 Missing Provider Information176 Borrower Last Name is not valid177 Invoice Amount matched Settlement Total178 Remit to Provider Settled funds179 Additional Remittance180 Refund Processed/Need to remit181 Refund Processed/Do not remit182 Invoice Amount greater than Settlement Total183 Invoice Amount less than Settlement Total184 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 an 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 request240 User Authentication Failed241 Criteria Not Met242 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

exists246 Address provided has returned Multiple possible

hits from the public record data


ReasonCode Continued 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 area250 No Undisclosed Properties Found251 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 Error264 Voice Mail Not Returned265 1005 Form Not Returned266 Additional Information Requested Not Provided267 Employer Not Found In Public Records268 Unable to Locate Employer Phone Number269 Unable to Confirm Employer – Provide Full

Address270 Missing Signed Borrower Authorization Form271 Unable to Confirm Employer – Provide Borrower

Agency/Dept272 Unable to Confirm Employer – Provide Borrower

Phone Number273 Unable to Confirm Employer – Provide Borrower

DOB274 Unable to Confirm Employer – Contact Out of

Office275 Unable to Confirm Employer – Provide Additional

Phone Number276 Missing Salary Key/PIN for Automated Provider277 Unable to Confirm Employer – Confirm Borrower

SSN


ReasonCode Continued 278 Issue with DOB279 Issue with SSN280 Missing Business Transaction Info281 Issue with Company Info282 Issue with Borrower Authorization Form283 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) requested291 Issue with Borrower Signature on 4506T292 Issue with Date on 4506T form293 Information on 4506T form is illegible or altered294 Employer Update Outside of Policy295 No Hit by AVM Provider296 Confirmed Defects297 Additional comps Request/Clarification298 Borrower Request/Complaint299 Additional Information Provided300 Information Present in Report – Underwriter Unnecessary301 Not Required by Policy – Underwriter Unnecessary302 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/professionalism328 Closing Instructions Delay329 Closing Instructions inaccurate330 Closing Package Delay331 Doc Signing product incomplete / incorrect332 Doc Signing product not opened333 Lender Requested Reschedule334 HUD/CD Not Finalized335 HUD approval not received336 Incomplete/Incorrect loan package sent to signing by Vendor337 Incorrect loan documents received from fulfilment338 Signing Agent backed out of signing339 Provider Cannot Accommodate Requested Change(s).340 Request Not Applicable341 Requested Change Not Required.342 Borrower did not receive document

ReasonCode (Cont)RealEC Data Dictionary, August 2019 Release 2019-08 v1.0 Page 108 of 136

ReasonCode (Cont)

343 Document not valid for loan344 Duplicate document delivered345 No Rate Available351 Authorization Access Needed352 Street View Unavailable353 Incomplete Order354 Unit Number Income or Missing355 Contact Number(s) Incomplete or Missing356 Condo/Coop Questionnaire Missing357 Plans and Specs Incorrect or Missing358 Renovation Documentation Incorrect or Missing359 VA Agency on Hold360 Language Barrier361 Pending Compliance Review362 Ineligible Request363 Agency Registration Invitation Forwarded364 Provider Registration Invitation First Reminder365 Provider Registration Invitation Last Reminder366 User Registration Invitation Reminder367 Recent Ownership trans368 Errors And Omissions Required369 ALTA ID Requested370 State License Requested371 Closing Protection Letter Required372 UserName Or Password Entered Incorrectly373 Registration Invitation Has Expired374 Registration Cancelled. Contact Provider375 Registration Not Complete. Reminder sent To Provider376 Registration Expired. Please Contact Provider377 Network Access Agreement Declined 378 Product Code not present379 Document Data Link not present380 Document Data Link already exists in prior instance of same

event381 Document Data Link does not match the Document Data Link

in most recent instance of event 150382 More than one Document Data Link exists in event383 Financial Hardship384 Closing Date Adjustment385 Provider Does not Support Product Requested386 Provider unavailable due to Vendor Management Status387 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 Scheduled


397 Tenant Scheduling Delays398 Underwriter Direction Required399 Requested Hold400 Schema Validation Failed – Required Field Missing401 Deed Restriction Research402 Reassignment Request received403 Re-inspection Reassignment Request received404 Missing Executed Purchase Contract405 Purchase Contract is Illegible406 Contact cancelled Inspection407 Contact Did Not Show for Appointment408 Contact Resists Inspection409 Contact Not Responding410 Schema Validation Failed – Data Type Mismatch411 Contact delayed inspection412 Confirm Utilities On413 Federally Declared Disaster414 Property Not Secure415 Remodel Not Complete416 Revised Purchase Contract Required417 Revised Renovation Documents Required418 Collateral Research Review419 Missing Original Appraisal420 Contact Issues421 Lockbox Issue422 Safety/Security Access Issues423 Property Not Ready/Repairs or Utilities Needed424 Client Confirm Cancel425 Underwriter Escalation426 Unsafe Conditions427 Customer Service Center Agent Failed Package428 Required Data for Processing Missing429 Duplicate Lender PackageIdentifier provided430 Invalid Internal PackageIdentifier provided431 Event must contain only one document432 Invalid Document File Type433 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

RECClientID Customer’s ID assigned by RealECRECCode RealEC event code value

See specific File Structures and Appendix CRecommendedListing Agent’s recommendation for listing the propertyRecorded Indicates if the document is recorded


RecordedDoc/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 RealEC 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 REALec auatomated system and included as an optional selection in REALEC 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 RealEC 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 documents


RequestActionType Indicates the Action Type Requested.Constant DescriptionOriginal Perform normal posting action for

a new or updated package.Cancel Recalls a specific package that has

been previously posted. This removes the package from view by the recipients and causes it to NOT be dropped to print, if a fall-to-print expiration timer was specified. RecallPackage requires inclusion of one or more PackageId's corresponding to existing posted package(s).

CI Closing InsightEADReadinessCheck EAD Readiness Check

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 property


Sample/Type Constant DescriptionAIR 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 schoolSchoolTaxStatus Current status of school taxes


SchoolTaxStatus Current status of tax payments to the schoolSearchDate The date the search occurredSection 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 InsuranceSETTLEMENTANDESCROWSERV Settlement and Escrow Service


ICEREALESTATEATTORNEY Real Estate AttorneyHOMEWARRANTY Home WarrantyHOMEOWNERSINSURANCE Home Owners InsuranceHOMEINSPECTIONGENERAL Home Inspection GeneralAPPRAISAL AppraisalNOTARY NotaryLANDSURVEY Land SurveyPESTINSPECTION Pest InspectionNATURALHAZARDDISCLOSURE Natural Hazard DisclosureGEOTECHNICALENGINEERING Geotechnical EngineeringCLOSINGATTORNEY Closing AttorneyTRANSACTIONCOORDINATOR Transaction Coordinator


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

the borrower.PreForeclosure The Division of a servicer responsible for handling legal

proceedings during the early stages of being repossessed.SigningLocation/Type Signing Location

Constant 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 RealEC WEC Workflow

WEC Web Enabled Closing. *Includes RealEC WEC Workflow.

SiteHighBestUseTypeConstant 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 spaSpouseReference Reference number (UniqueID) in the REC-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 propertySubordinate 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 availableSurvivorship 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-Annual

HEXYEARSix Installments Annually

TaxID Federal Tax Identification number for the associated partyTaxReference 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 RealEC Transaction (assigned by the user, or the RealEC

Network) TypeClass Classification of the type of party

Constant 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 Y 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 UnitSLIP SlipSPACE SpaceSTOP StopSUITE SuiteTRAILER TrailerUNIT UnitUPPER Upper

UniversalDocumentClassificationType

For available values, see RealEC 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 DescriptionGovernmentSurvey 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 RealECUserFunction 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.


ValidFindingsOverrideCodesHardStopOverride 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 database N

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 suspended N

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

RQ21201Supervisory 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 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) Y303 RQ30301 No unit number required. Verified by

lender N

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 fileValuationUseType ValuationUseType

Constant DescriptionComparable Comparable property valuationSubjectProperty Subject Property Evaluation

ValueComments Comments regarding the value of the propertyVerificationType Constant Description

VERBAL VerbalVERBALWITHSIGNATURE Verbal verification with signature

to follow.WRITTEN Written

VerifyAssociation Verify Homeowner’s AssociationVestingInfo Information about the owner with a vested interestWageType Constant Description

ADJUSTEDGROSS 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 builtZip The zip code of the address


Date post:	11-Jul-2019
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