Case Query Results Page - Field Descriptions

The field descriptions for the Case Query Results page are listed below in alphabetical order. The fields that are displayed on the Case Query Results page depend on the case characteristics.

Field Description
Annual MIP Factor Factor used to determine the amount of annual MIP for the case (loan). For a 203(k) case, the factor displayed depends on whether (a) Appraisal Logging was processed, (b) Insurance Application was processed, or (c) insurance endorsement has occurred.
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TBD: The annual MIP factor is to be determined. The case was not processed through FHA TOTAL Scorecard or Insurance Application, or:
203(k) case: Appraisal Logging has not yet been processed.
Preclosing case: Firm Commitment has not yet been processed.
-or-
Refer to Servicing: Link to Lender Query by Case Number, which is a Single Family Servicing menu option on the FHA Connection. The case number and original mortgage amount are entered on the Lender Query by Case Number page to retrieve the annual MIP factor (Premium Rate for Periodic MIP) and other details for an endorsed (insured) case.
-or-
N/A: Not applicable to the case.
Note: This field is not provided for HECM cases.
Appraisal Logged Date Date appraisal information was recorded in HUD's origination system (generally through the FHA Connection).If more than one appraisal was required, this is the date the first appraisal was recorded.
Appraisal Update Processing Date Date information on the evaluation of the property was entered in the Appraisal Update section of Appraisal Logging per Appraisal Update and/or Completion Report, Fannie Mae Form 1004D, Freddie Mac Form 422.
Appraised Value Appraiser's estimate of the market value of the property.
REO (PD) cases: Appraised value "as is."
New construction cases: Appraised value subject to completion per plans and specifications.
All other cases: Appraised value subject to any required repairs, alterations, inspections, or conditions.
(Only applicable to cases requiring an appraisal.) If a second appraisal was required, this is the appraised value entered for the appraisal selected and used by the system for case processing.
Appraiser License Identifier for the FHA-approved appraiser; includes the appraiser's state license number preceded by the two-character state code. Example: NY123456. Alternatively, a six-character identifier with a CH prefix provided by HUD's origination system for an FHA-approved appraiser with unavailable state license information. This is the assigned appraiser before the appraisal is performed or the actual appraiser at the time of the appraisal.If a second appraisal was required, this is the actual appraiser who performed the appraisal selected for case processing.

Appraiser Name

Last name, first name, and middle initial of the appraiser. This is the assigned appraiser before the appraisal is performed or the actual appraiser at the time of the appraisal.If a second appraisal was required, this is the actual appraiser who performed the appraisal selected for case processing.

Binder Status Case binder status (or closing package status) for an endorsed case originated by an FHA-approved lender under the Lender Insurance (LI) program.
Awaiting Receipt: Case binder requested by the Homeownership Center (HOC) has not been received.
-or-
Case binder was received but not accepted; must be resubmitted.
Electronic Binder Received: Case binder requested by the HOC was received electronically.
Paper Binder Received: Case binder requested by the HOC was received in paper form.
Not Requested: Case binder was not requested by the HOC.
Borrower Name Last name, first name, and middle initial of the borrower.
Case Canceled Date Date the case was canceled. Further processing of the mortgage (case) for FHA insurance was stopped.
Case Number Assigned Date Date an FHA case number was assigned to the mortgage (for case number requests processed on or after April 5, 2010).
Case Number Requested Date Date an FHA case number was requested for the mortgage (for case number requests processed before April 5, 2010).
Case Type FHA classification of the case and automated data processing code related to the section of the National Housing Act under which mortgage insurance is requested.
Closing Date Date of the signing of the mortgage documents and/or the disbursement of funds necessary to consummate the loan transaction, whichever is later.
Closing Package Date Date the closing package (case binder) received from the lender was recorded in the Computerized Homes Underwriting System (CHUMS), HUD's origination system. Note: For a lender-insured case, this is the same as the endorsement date.
Closing Package Resubmission Date Date the resubmitted closing package (case binder) received from the lender was recorded in the Computerized Homes Underwriting System (CHUMS), HUD's origination system.
Eligible NBS Count Number of eligible non-borrowing spouses for all of the borrowers (mortgagors) for a HECM case. Note: This is a spouse, as defined by the state in which the spouse and borrower reside or state of celebration (a) who is not a borrower (mortgagor) at the time of loan closing, and (b) meets the eligibility requirements for deferring the due and payable status of the HECM because of the death of the last surviving mortgagor or other event established by Mortgagee Letter 2014-07.
Endorsement Processed by Institution that processed the endorsement of the case (loan) for FHA insurance.
Lender: FHA-approved lender with authority to endorse its own cases.
HOC: HUD Homeownership Center.
N/A: Case is not endorsed yet or case is a Home Equity Conversion Mortgage (HECM).
Note: Only applicable to cases of lenders participating in the Lender Insurance (LI) program that are authorized to endorse their own cases (non-HECM cases only).
FHA Case Number

Unique 10-digit identifier assigned to the mortgage by the Federal Housing Administration (FHA).

Final Monthly MIP Payment Date Date the last monthly mortgage insurance premium will be assessed. Payment is due the first of the following month.
Firm Comments Firm Commitment comments entered by the HUD Homeownership Center (HOC) regarding endorsement of the case.(Only applicable to non-endorsed cases.)
Firm Condition Codes Three-character code for the Firm Commitment condition (C01-C10, F01-F99). Note: Only applicable to non-endorsed cases.
Firm Return/Rejection Codes Three-character code for the reason a Notice of Return was issued for the case based on the Firm Commitment application (R1-R13); three-character code for the reason a Notice of Rejection was issued based on the credit background of the borrower (M01-M09).(Only applicable to non-endorsed cases.)
Indemnification Date Date information about an indemnification agreement between HUD and the lender was recorded in the Computerized Homes Underwriting System (CHUMS), HUD's origination system.
Ineligible NBS Count Number of ineligible non-borrowing spouses for all of the borrowers (mortgagors) for a HECM case. Note: This is a spouse, as defined by the state in which the spouse and borrower reside or state of celebration (a) who is not a borrower (mortgagor) at the time of loan closing, and (b) does NOT meet the eligibility requirements for deferring the due and payable status of the HECM because of the death of the last surviving mortgagor or other event established by Mortgagee Letter 2014-07.
Initial Disbursement Limit Maximum amount that may be disbursed to the borrower and/or used for mandatory obligations, set asides, and other charges incurred with originating a HECM at:
loan closing and during the first 12-month disbursement period after loan closing (begins on day of loan closing and ends on the day before the anniversary date of loan closing), or
loan closing only for the Single Disbursement Lump Sum Payment Plan.
Initial MIP Factor

Percentage used for calculating the initial (upfront) mortgage insurance premium (MIP) for a Home Equity Conversion Mortgage (HECM) case. The Maximum Claim Amount is multiplied by the MIP Factor.

Initial Principal Limit Maximum amount, established at loan closing, the borrower may receive from the HECM before any disbursements are made. Maximum Claim Amount multiplied by the principal limit factor corresponding to the age of the youngest borrower and expected average mortgage interest rate. Note: Only applicable to HECM cases.
Insurance Application Date Date the user initially completed and submitted Insurance Application for the mortgage (case).
Insurance Date User-entered date the mortgage (case) was approved for FHA insurance (endorsed).
Last Action Description of the most recent activity on the case.
APRSL REQD: Case Number Assignment was processed for the mortgage and an FHA case number assigned. Case requires an appraisal based on the information provided.
APRSR ASGN: FHA case number and appraiser have been assigned to the case. Case requires an appraisal.
APRSR LOG: Appraisal has been recorded in HUD's origination system.
CANCELLED: Case has been canceled at the lender's request.
CASE# ASGN: Case Number Assignment was processed for the mortgage and an FHA case number assigned. Case does not require an appraisal.
CC ISSUED: Conditional Commitment package has been issued. Property is eligible for FHA mortgage insurance.
CLSG PACK: Closing package (case binder) information has been recorded in HUD's origination system.
FC ISSUED: Firm Commitment has been issued. Borrower is credit worthy and has been approved for the mortgage. Case is ready for FHA mortgage insurance processing.
FIRM REJECT: Application for Firm Commitment has been rejected.
INSUR APPL: Insurance application information has been entered through the FHA Connection. Closing package (case binder) information has not been recorded in HUD's origination system.
INSURED: Case has been endorsed for FHA mortgage insurance.
NOR: Notice of Return has been issued. Case is not endorsed for FHA mortgage insurance.
NOR RESUB: Notice of Return is in resubmission process. Closing package (case binder) information has been recorded in HUD's origination system for a case with a prior Notice of Return (NOR).
RCVD FIRM: Case has been received for Firm Commitment.
Last Action Date Date of the most recent activity on the case.
Lender Insurance Indicator for determining whether the lender is issuing mortgage insurance.
Yes: Mortgage insurance issued by the lending institution (not currently applicable).
No: Mortgage insurance issued by the FHA.
Loan Balance at Final MIP Date
For cases with a closing date after December 31, 2000 and case number assignment date before June 3, 2013 that meet the requirements of Mortgagee Letter 2000-46, this is the threshold amount that the unpaid principal balance on the mortgage must reach to qualify for cancellation of the monthly mortgage premium assessment.
For all other cases, N/A (not applicable) is displayed.
Loan Term Period of time in months from the beginning of loan amortization until maturity.
Maximum Claim Amount The lesser of:
appraised value,
maximum mortgage allowed by FHA under Sec. 305(a)(2) for a single family home in the area, or
the sales price of the property being purchased for the sole purpose of being the principal residence.
Initial (upfront) mortgage insurance premium is based on this amount.
Note: Only applicable to HECM cases.
MIC Cancel Date Date the Mortgage Insurance Certificate (MIC) issued for the case was canceled.
Mortgage Amount Amount of the principal obligation stated on the mortgage (or other security instrument); dollar value of the mortgage insurance to be issued for the property. Includes upfront mortgage insurance premium (UFMIP), if upfront MIP is financed.Note: Not applicable to HECM cases.
NOR Comments Notes entered by the HUD Homeownership Center (HOC) regarding the Notice of Return (NOR) issued for the case.(Only applicable to non-endorsed cases.)
NOR Date Date a Notice of Return (NOR) was issued for the mortgage (case). The mortgage cannot be endorsed for FHA insurance without further updates that resolve the NOR findings.
NOR Reasons Three-character code for the reason the Notice of Return (NOR) was issued for the case. Note: Only applicable to non-endorsed cases.
NOR Resubmission Date Date a Notice of Return (NOR) was issued again for a case that was was resubmitted for FHA insurance after having a prior Notice of Return (NOR) issued.
Original Property Value Appraised value or sales price of the property under the prior FHA-insured mortgage, whichever was used in the original loan-to-value calculation. (Only applicable to a refinance case not requiring an appraisal or for which an appraisal has not been recorded.)
Originator Name Ten-digit FHA ID of the FHA-approved lender that originated the mortgage or FHA-approved lender (principal) that designated another FHA-approved lender to serve as its agent in originating the mortgage.
Preprocessing Reject Three-character code indicating the appraisal information submitted is incomplete. Note: Only applicable to non-endorsed cases.
Principal Reduction Payment made by the lender to reduce the principal balance in order to meet FHA insurance requirements. Typically, this occurs when the lender closes a loan in an amount higher than permitted by FHA requirements. The lender can pay down the principal balance or reclose the loan to the insurable amount. Note: Not applicable to HECM cases.
Prior Loan Before 7/1/91? Indicator establishing whether the closing date of the prior FHA-insured mortgage was before 07/01/91. Note: The rules for risk-based mortgage insurance premiums changed as of this date.Note: Only applicable to refinance cases.
Property Address House number, street name, city, state, and zip code of the property (including unit number, if applicable).
Refi Auth No Unique number indicating approval to refinance the prior FHA-insured mortgage; consists of a five-character authorization number and eight-character date (yyyymmdd).Note: Only applicable to refinance cases.
Sponsor/Agent Name Name of the FHA-approved lender acting as a sponsor or agent for the mortgage originator.
Sponsored Originator Name Legal name of the mortgage banker or broker that originated the mortgage and was established as a sponsored originator by an FHA-approved lender.
TOTAL Score Date
Date FHA TOTAL Scorecard was used within the lender's automated underwriting system (AUS) to evaluate the borrower's creditworthiness.
Uninsurable Location Insurability of the property based on its location, per the appraisal information submitted.
Yes: Property is not insurable. Examples: Flood plain or epidemic region.
Blank: Property is insurable.
Note: Only applicable to non-endorsed cases.
Uninsurable Property Insurability of the property based on its condition, per the appraisal information submitted.
Yes: Property is not insurable. Examples: Structural deficiency or unlivable.
Blank: Property is insurable.
Note: Only applicable to non-endorsed cases.
Upfront MIP Due Total amount of upfront mortgage insurance premium (MIP) required to endorse the case for FHA insurance.Note: For a HECM case, upfront MIP is also referred to as initial MIP or initial fee.
Upfront MIP Factor Factor used to determine the amount of upfront mortgage insurance premium (MIP) for the case (loan). For a 203(k) case, the factor displayed depends on whether (a) Appraisal Logging was processed, (b) Insurance Application was processed, or (c) insurance endorsement has occurred.
-or-
TBD: The upfront MIP factor is to be determined. The case was not processed through Insurance Application, or:
203(k) case: Appraisal Logging has not yet been processed.
Preclosing case: Firm Commitment has not yet been processed.
-or-
N/A: Not applicable to the case.
Note: For a HECM case, see Initial MIP Factor instead.
Upfront MIP Late Due? Indicator for determining whether late and/or interest charges are due for a late or missing upfront mortgage insurance premium (MIP) payment.
Upfront MIP Received Total amount of upfront mortgage insurance premium (MIP) payments received for the case to date.
Upfront MIP Received Date

Date information on the first upfront mortgage insurance premium (MIP) payment was received by HUD's origination system, Computerized Homes Underwriting System (CHUMS).

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See Also

Case Query - Business Background

Case Query - Processing

Case Query Page - Field Descriptions

Case Query List Page - Field Descriptions

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Last revised: July 1, 2019