| Field |
Descriptions |
| Address |
House number, street name, city, state, and zip code of the property (including
unit number, if applicable). Note: For proposed construction or property under construction, lot, block, and
plat numbers may identify the property instead of a house number and street name. |
| ADP Code |
Automated data processing code related to the section
of the National Housing Act under which mortgage insurance is being requested. |
| Application Received by |
Method by which the Uniform Residential Loan Application (URLA) was received. Note: This field appears for a mortgage assigned an FHA case number before March 1, 2021. |
| Borrower |
Last name, first name, and middle initial of the borrower. Sources: URLA, Section 1: Borrower Information and form HUD-92900-A. |
| Borrower
Information |
Indicator specifying whether the borrower disclosed race, ethnicity, and gender
information. Note: This field appears for a mortgage assigned an FHA case number before March 1, 2021. |
| Borrower Rating |
Underwriter's rating of the borrower's financial background with respect to the
mortgage loan (Accept or Reject), including the items listed below.
Credit
Characteristics: Borrower's general pattern of credit behavior. |
Adequacy
of Income: Sufficiency of borrower's income to support mortgage payments. |
Stability
of Income: Soundness of borrower's employment history. |
Adequacy
of Avail. Assets:Sufficiency of borrower's total available assets for closing, including cash,
savings bonds, and other securities. |
|
| Borrower Type |
Classification of the borrower in relation to the property.
| Occupant: Resides on the property. |
| Landlord: Rents or leases the property. |
| Escrow
Commitment: Builder, rehabilitator, or investor that is purchasing or refinancing
the property as an investment but intends to sell the rehabilitated property to
a borrower acceptable to HUD (who will occupy the property as a principal residence). |
| Corporation/Partnership
(Refi): Business entity under which a mortgage was originally insured and
is now being processed as a refinance. |
| Government
Agency/Nonprofit: State or local government entity involved in the provision
of housing. Nonprofit agency that will sell or lease the property to a low-
or moderate-income individual. |
Sources: Appraisal Report and URLA - Section 1: Borrower Information and Section 4: Loan and Property Information. |
| Coborrower |
Last name, first name, and middle initial of the co-borrower. Sources: URLA - Additional Borrower, Section 1: Borrower Information and form HUD-92900-A. |
| Coborrower
Information |
Indicator specifying whether the coborrower disclosed race, ethnicity, and gender
information. Note: This field appears for a mortgage assigned an FHA case number before March 1, 2021. |
| Comments |
Additional remarks about the mortgage credit rejection. |
| Credit Denial Date |
Month, day, and year (mm/dd/yy) the underwriter signed the FHA Loan Underwriting and Transmittal Summary, form HUD-92900-LT. |
| Do you wish to delete this record? |
Indicator establishing whether
the record of the borrower's mortgage credit rejection for the case is to
be removed. |
| Ethnicity |
Indicator specifying whether the borrower/co-borrower is of Latino or Hispanic
descent. Source: URLA, Section 8: Demographic Information. |
| Exempt from SSN due to job type? |
Indicator establishing whether the borrower or co-borrower is not required to obtain
a Social Security Number, such as employees of the World Bank or foreign employees
of embassies. (Not applicable to a government agency or nonprofit agency.) Source: IRS form W-8 or other documentation providing conclusive evidence. |
| FHA Case Number |
Unique 10-digit identifier assigned to the mortgage by the Federal Housing
Administration (FHA). |
| First Time Home Buyer |
Indicator establishing whether the borrower is purchasing a home for the first
time, has not owned a home in the last three years, or meets certain other conditions
to qualify as a first-time home buyer. Source: URLA - Section 5: Declarations. |
| Ind |
Indicator specifying the type of identification for the borrower/coborrower:
| • |
SSN: Social Security Number. |
| • |
TIN: Taxpayer Identification Number (TIN) or Employer Identification Number (EIN). |
|
| Loan Purpose |
Specifics on what the mortgage
loan is for.
| Existing Occupied: Existing house previously occupied. |
| Finance Improvements: Improvements to existing house are being financed. |
| Refinance: Prior
loan by the same borrower for same property. |
| New Condominium: Purchase
of a condominium unit not previously occupied. |
| Existing Condominium: Purchase of a condominium unit previously occupied. |
| Existing Never Occupied: Purchase of a house that was never occupied. |
| Construct New Home: New housing being built with the proceeds to be paid out during construction. |
| Finance co-op: Financing
of the purchase of a cooperative unit (HUD only). |
Sources: Appraisal Report and form HUD-92900-LT. |
| Mortgage (w/o UFMIP) |
Amount of the mortgage without financing of the upfront mortgage insurance premium
(UFMIP) payment. Sources: Form HUD-92900-LT and URLA - Lender Loan Information. |
| Originator ID |
Ten-digit FHA ID and name of the FHA-approved lender that originated the mortgage. |
| Race |
Racial background of the borrower/co-borrower. Source: URLA, Section 8: Demographic Information. |
| Ratios |
Quotients that determine the borrower’s ability to repay the mortgage debt.
| Loan-to-Value: Percentage of the property value or sales price that the mortgage
covers. Source: Form HUD-92900-LT. |
| Mtg Payment-to-Income: Mortgage payment-to-income ratio. Total mortgage payment divided
by gross monthly income. Source: Form HUD-92900-LT. |
| Fixed Payment-to-Income: Total fixed payment-to-income ratio. Sum of the total housing expense
and other recurring charges (fixed payment) divided by gross monthly
income. Source: Form HUD-92900-LT.
|
|
| Sales Price |
Contract sales price of the
property. Sources: Appraisal Report, form HUD-92900-LT, and URLA - Lender Loan Information. |
| Sex |
Gender of the borrower/co-borrower. Source: URLA, Section 8: Demographic Information. |
| Sponsor/Agent ID |
Ten-digit FHA ID and name of the FHA-approved lender acting as a sponsor or agent for the mortgage originator. |
| Sponsored Originator |
Nine-digit Employer Identification Number (EIN) and name of the mortgage banker or broker that originated the mortgage and was established as a sponsored originator by an FHA-approved lender. |
| SSN/TIN |
Borrower/coborrower's Social Security Number (SSN), Taxpayer Identification Number
(TIN), or Employer Identification Number (EIN). (SSN may be masked based on the user's authorizations.) Sources: URLA, Section 1: Borrower Information and form HUD-92900-A. |
| The Demographic Information was provided through |
Method by which the borrower's demographic information was provided. Source: URLA, Section 8: Demographic Information. |
| Total Monthly Income (gross) |
Total monthly income of all
borrowers, including base pay, other earnings, and net income from real
estate. Sources: Form HUD-92900-LT URLA (and URLA - Additional Borrower, if applicable) Section 1: Borrower Information. |
| Underwriter ID |
FHA's unique four-character identifier for the underwriter. The last name, first name, and initial of the underwriter also appears, unless
the record is being added. Source: HUD-92900-LT. |
| Was the ethnicity of the Borrower collected on the basis of visual observation or name? |
Specifies whether the borrower's ethnicity was ascertained through visual observation or the borrower's name. Source: URLA, Section 8: Demographic Information. |
| Was the race of the Borrower collected on the basis of visual observation or name? |
Specifies whether the borrower's race was ascertained through visual observation or the borrower's name. Source: URLA, Section 8: Demographic Information. |
| Was the sex of the Borrower collected on the basis of visual observation or name? |
Specifies whether the borrower's gender was ascertained through visual observation or the borrower's name. Source: URLA, Section 8: Demographic Information. |