Get documents about "Mortgage Loan Modification Income Expense Sheet
Description
Mortgage Loan Modification Income Expense Sheet document sample
Document Sample
Exhibit C
MICA HAMP Reporting Template
Open MICA HAMP Reporting Template.
Open HAMP Data Dictionary.
7887e732-0025-41d0-b8a4-4fde1406e53f.xls - Instructions
7887e732-0025-41d0-b8a4-4fde1406e53f.xls - Instructions
7887e732-0025-41d0-b8a4-4fde1406e53f.xls - Instructions
7887e732-0025-41d0-b8a4-4fde1406e53f.xls - Instructions
A B C D E F G H I J K L M N O P Q R S T U V W
Home Affordable Modification Program (HMP) Servicer Reporting Requirements
1
Loan Identifiers Loan-Level Data
2
Unpaid
Borrower Co-Borrower Principal Last Paid
GSE Servicer HMP Underlying Program Social Social Borrower Balance Loan Installment Foreclosure Projected Hardship
Servicer Loan Servicer GSE Loan Trust Type/Campai Investor Borrower Borrower Security Co-Borrower Co-Borrower Security Execution Submission Date of before Mortgage Date before First Lien Referral Foreclosure Reason
3 Number Number Number Number Identifier gn ID Code Last Name First Name Number Last name First Name Number Date Status Original Note modification Type Code modification Indicator Date Sale Date Code
Template
X Y Z AA AB AC AD AE AF AG AH AI AJ AK AL AM AN AO AP AQ AR AS AT
1
2
Loan-Level Data
Principal and Modified Monthly
Monthly Debt NPV Model NPV Model Interest Escrow Association Principal Loan Term- Housing Interest
Monthly Payments Result Result Amortization Interest Rate Payment Payment Dues/Fees Payment Attorney Escrow Officer Expense Owed Or
Gross excluding Amount Pre- Amount Post- Term before before before before before Principal Interest Owed or Not Other Fees Not In Shortage for Other Borrower Signature Disbursemen before Delinquent Payment Not
3 Income PITIA NPV Date mod mod modification modification modification modification modification Payment Payment Reported Contributions Escrow Advances Advances Contributions Date t Forgiven modification Interest Reported
Template
AU AV AW AX AY AZ BA BB BC BD BE BF BG BH BI BJ BK BL BM BN BO BP BQ
1
2
Loan-Level Data
Servicing Principal and Principal and Unpaid
Fee Percent, Product Maturity Date Remaining Front Ratio Back Ratio Interest Interest Property - Property - Property Property Property Property Property Property Modification Amortization Principal
after before before Term before before before Payment at Payment at Number of Street Property - Property - Property - Valuation - Valuation - Valuation - Condition Occupancy Usage Type Effective Product After Term after Balance after
3 modification Modification modification modification modification modification 31% DTI 38% DTI Units Address City State Zip Code Method Date As Is Value Code Status Code Code Date Modification modification modification
Template
BR BS BT BU BV BW BX BY BZ CA CB CC CD CE CF CG CH CI CJ CK CL CM CN
1
2
Loan-Level Data
First Principal and Monthly
Last Paid Interest Rate Payment Interest Escrow Housing Principal Paydown or Paydown or Trial
Installment Interest Rate Lock Date Due Date Payment Payment Expense Maturity Date Principal Front Ratio Back Ratio Write-down Payoff of Payoff of Max Interest Trial Payment Trial 1st Trial 1st Trial
Date after after for after After after after after Forbearance Term after after after (Forgiveness Subordinate Subordinate Action Code Rate after Payment Received Payment Payment Payment
3 modification modification Modification modification modification modification Modification modification Amount Modification modification modification ) Liens Liens amount Action Code Date Modification Number Amount Posted Date Due Date Posted Date
Template
CO CP CQ CR CS CT CU CV CW CX CY CZ DA DB DC DD DE DF DG DH DI DJ DK
1
2
Loan-Level Data Servicer Registration Data
Servicer Servicer Servicer Servicer
1st Trial Step - Step - New Step - Servicer Servicer Servicer Primary Servicer Servicer Servicer Secondary Servicer Servicer Technical Technical
Payment Step - Payment Interest Rate - Principal and TARP Fee Cap at Primary Primary Contact Primary Secondary Secondary Contact Secondary Street Point of Point of
Received Length of Interest Rate Effective Step - Note Step Interest Contract Servicer Contact First Contact Last Phone Contact Contact First Contact Last Phone Contact Address Line Servicer City Servicer Servicer Contact Contact
3 Amount trial period Step Number Date Rate Duration Payment Number Level Name Name Number Email Name Name Number Email 1 Name State Postal Code Name eMail
Template
DL DM DN DO DP DQ DR DS DT DU DV DW DX DY DZ EA EB EC ED EE EF
1
Servicer Registration Data Bank Account Setup Mortgage Insurance Data
2
MI Company
Servicer MI Company code for Pool Gross
Technical Servicer Servicer Servicer Servicer Code for or Unpaid
Point of Servicer Servicer Data Routing Bank Bank Street Servicer Servicer Servicing Primary Primary MI Supplemental Pool MI Principal Total $ Total
Contact Data Return Data Return Exchange Disbursemen (ABA) Account Servicer Address Line Bank City Servicer Bank Postal Company Mortgage Certificate Mortgage Certificate Pool Balance after Amount Capitalized $
3 Phone URL Port Number Protocol t Type Number Number Bank Name 1 Name Bank State Code Name Insurer Number Insurer Number Contract ID modification Delinquent Amount
Template
Home Affordable Modification Program (HMP) Servicer Reporting Requirements plus MI Requirements
M=Mandatory; C=Conditional; O=Optional
Loan Set-
Servicer Up/Official Condition Under Which Data is DataType (format and
Name of Data Point Description Registration Loan Set-Up/Trial During Trial Modification Monthly Reporting Required character limit)
The Fannie Mae or
GSE Servicer Freddie Mac unique
Number Servicer identifier. C C C If GSE loan Text (30)
The unique (for the
lender) identifier
assigned to the loan by
Servicer Loan the lender that is
Number servicing the loan. M M M M Text(30)
A unique identifier
assigned to each
Servicer that is
HMP Servicer participating in the HMP
Number program. M M M M Text(30)
A unique identifier
assigned to each loan by
Loan Identifiiers
a GSE (Fannie or
GSE Loan Number Freddie). C C C If GSE loan Text(30)
This is the CUSIP
associated with the
security. A unique
identification number
assigned to a security by
CUSIP (Committee on
Uniform Security
Underlying Trust Identification
Identifier Procedures) for trading. C C Only for Non-GSE Text(9)
A new program type that
will identify campaign
types. The unique
Program identifier of a Loan
Type/Campaign ID Workout Campaign. M M Text(14)
Investor Code Owner of the mortgage. M M Numeric(4,0)
Loan-Level Data
The last name of the
Borrower. This is also
known as the family
Borrower Last Name name or surname. M M Text(100)
First Name of the
Borrower First Name Borrower of record M M Text(100)
Borrower Social The Social Security
Security Number Number of the Borrower M M Numeric(9)
Co-Borrower Last Last Name of the co-
name Borrower of record C C If co-borrower on loan Text(100)
Co-Borrower First First Name of the co-
Name Borrower of record C C If co-borrower on loan Text(100)
The Social Security
Co-Borrower Social Number of the Co-
Security Number borrower O O If available Numeric(9)
Exhibit C HMP Data Dictionary + MI Values Confidential - Internal Distribution
Home Affordable Modification Program (HMP) Servicer Reporting Requirements plus MI Requirements
This is the date that the
borrower signs the initial
Borrower Execution documentation for a
Date modification. M M Date(CCYY-MM-DD)
Status of loan data being
Submission Status submitted. M M Numeric(4,0)
The date on which the
original loan funding was
dispersed to the
Date of Original Note borrower(s). M M Date(CCYY-MM-DD)
The total principal
amount outstanding as
of the end of the month.
The UPB should not
reflect any accounting
based write-downs and
should only be reduced
to zero when the loan
has been liquidated –
either paid-in-full,
Loan-Level Data
Unpaid Principal charged-off, REO sold
Balance before or Service transferred
modification (before modification) M M Currency(20,2)
The code that specifies
the type of mortgage
Loan Mortgage Type being applied for or that
Code has been granted. M M Numeric(4,0)
Last Paid Installment The due date of the last
Date before paid installment of the
modification loan. M M Date(CCYY-MM-DD)
Indicates if loan is first
First Lien Indicator lien. M M Boolean
Provide the date that the
mortgage was referred
to an attorney for the
purpose of initiating
foreclosure proceedings.
This date should reflect
the referral date of
currently active
foreclosure process.
Loans cured from
Foreclosure Referral foreclosure should not
Date have a referral date. O O Date(CCYY-MM-DD)
Projected date for
Projected Foreclosure foreclosure sale of
Sale Date subject property O O Date(CCYY-MM-DD)
Exhibit C HMP Data Dictionary + MI Values Confidential - Internal Distribution
Home Affordable Modification Program (HMP) Servicer Reporting Requirements plus MI Requirements
Identifies the reason for
Loan-Level Data
the borrower's hardship,
Hardship Reason on their mortgage
Code payment obligations. M M Numeric(4,0)
Total monthly income in
dollars for all borrowers
on the loan. This is the
Monthly Gross gross income for all
Income borrowers. M M Currency(20,2)
Total amount of monthly
debt payments excluding
Principal, Interest,
Monthly Debt Taxes, Insurance and
Payments excluding Association Dues
PITIA (PITIA) M M Currency(20,2)
Net Present Value -
NPV Date calculation date M M Date(CCYY-MM-DD)
Net Present Value
amount generated from
NPV Model Result the model before
Amount Pre-mod modification M M Currency(20,2)
Net Present Value
amount generated from
NPV Model Result the model after
Amount Post-mod modification M M Currency(20,2)
Represents the number
of months on which
installment payments are
based. Example: Balloon
loans have a seven year
life (Loan Term = 84) but
a 30 year amortization
period (Amortization
Term = 360). Installment
payments are
Amortization Term determined based on the
before modification 360 month M M Numeric(4,0)
Exhibit C HMP Data Dictionary + MI Values Confidential - Internal Distribution
Home Affordable Modification Program (HMP) Servicer Reporting Requirements plus MI Requirements
The interest rate in the
month prior to loan
modification. Please
Interest Rate before report as rounded to
modification nearest 8th. (e.g. 4.125) M M Numeric(6,4)
The scheduled principal
Principal and Interest and interest amount in
Payment before the month prior to loan
modification modification. M M Currency(20,2)
Report the escrow
amount in the month
prior to loan
modification. The
amount of money that is
collected from [added on
to] the regular monthly
mortgage payment to
cover periodic payments
of property taxes, private
mortgage insurance and
hazard insurance by the
servicer on behalf of the
Loan-Level Data
mortgagee. Depending
on the mortgage terms,
this amount may or may
not be collected.
Generally, if the down
payment is less than
20%, then these
Escrow Payment amounts are collected If there is escrow amount that Servicer is
before modification by the servicer. C C withholding Currency(20,2)
Existing monthly
Association payment for association
Dues/Fees before dues/fees before If there are association fees that Servicer is
modification modification C C withholding Currency(20,2)
Principal portion of the
Principal Payment P&I remitted M Currency(20,2)
Interest portion of the
Interest Payment P&I M Currency(20,2)
Principal Payment If borrower has
Owed or Not contributed any cash or If borrower contributed cash or amounts in
Reported amounts in suspense C C suspense Currency(20,2)
If there are any amounts
contributed by the
borrower due to Hazard If there are amounts contributed by
Other Contributions Claims C C borrower Currency(20,2)
Estimated legal fee not
in escrow for advances
capitalization and
Attorney Fees Not In liquidation expense
Escrow calculation C C If exists Currency(20,2)
Any Escrow advance
Escrow Shortage for amounts to be
Advances capitalized C C If exists Currency(20,2)
Other advances for
advances capitalization
other than escrow.
Example: Servicing
Other Advances Fees, etc. C C If exists Currency(20,2)
Exhibit C HMP Data Dictionary + MI Values Confidential - Internal Distribution
Home Affordable Modification Program (HMP) Servicer Reporting Requirements plus MI Requirements
If the borrower is
contributing any
Borrower amounts, they must be
Contributions reported here C C If exists Currency(20,2)
Servicer sign off at the
officer level for the loan
modification. This is the
date the servicer's
officer approved the loan
modification. This
column will be populated
for modification cases
that need
Modified Loan Term- reclassification. There is
Officer Signature no conversion needed
Date for existing cases O O Date(CCYY-MM-DD)
If there are any Forgiven
Loan-Level Data
Disbursement disbursement for
Forgiven advances capitalization C C If exists Currency(20,2)
The dollar amount per
month of the borrowers
housing expense of the
subject property before
modification .May be
used for their primary
residence. This must be
Principal, Interest,
Monthly Housing Taxes, Insurance and
Expense before Association Dues
modification (PITIA). M M Currency(20,2)
Delinquent interest for
interest capitalization. It
is the amount of
delinquent interest from
the delinquent loan's LPI
date to the workout
Delinquent Interest execution date. M M Currency(20,2)
If there is Interest
owed/received but not
Interest Owed Or reported for interest
Payment Not capitalization, this field
Reported must be populated. C C If exists Currency(20,2)
Servicing Fee Percentage of servicing
Percent, after Fee after loan
modification modification ( e.g. 0.25) M M Numeric(4,2)
The mortgage product of
Product before the loan, before the
Modification modification. M M Numeric(4,0)
Exhibit C HMP Data Dictionary + MI Values Confidential - Internal Distribution
Home Affordable Modification Program (HMP) Servicer Reporting Requirements plus MI Requirements
The date on which the
mortgage obligation is
scheduled to be paid off,
according to the
mortgage note. Maturity
Date is commonly called
Balloon Date for balloon
Loan-Level Data
loans, for which
scheduled amortization
does not pay off the
balance of the loan, so
that there is a final,
Maturity Date before large "balloon" payment
modification at the end. M M Date(CCYY-MM-DD)
The number of months
until the loan will be paid
off, assuming that
scheduled payments are
made. This will equal
lesser of 1. the number
of months until the
actual balance of the
loan will amortize to
zero; or 2. the number
of months difference
between the Loan
Extended Term and the
number of payments
made by the borrower,
where number of
payments made by the
borrower is derived by:
Actual Last Paid
Installment Date - First
Remaining Term Installment Due Date - 1
before modification (in months). M M Numeric(4,0)
The refreshed Front-end
DTI (Principal, Interest,
Taxes, Insurance and
Front Ratio before Association Dues
modification (PITIA)) housing ratio. M M Numeric(4,2)
Percentage of
borrower's PITIA plus
debts to income ratio.
Borrower Total Debt To
Income Ratio Percent.
The monthly expenses
divided by the total
Back Ratio before monthly income for the
modification Borrower. (e.g. 30.25) M M Numeric(4,2)
Principal and Interest
Principal and Interest payable for a 31% Debt
Payment at 31% DTI to Income ratio M M Currency(20,2)
Principal and Interest
Principal and Interest payable for a 38% Debt
Payment at 38% DTI to Income ratio M M Currency(20,2)
Number of units in
Property - Number of subject property (Valid
Units values are 1, 2, 3 or 4) M M Numeric(4,0)
Property - Street The street address of
Address the subject property M M Text(100)
Exhibit C HMP Data Dictionary + MI Values Confidential - Internal Distribution
a
Home Affordable Modification Program (HMP) Servicer Reporting Requirements plus MI Requirements
The name of the city
where the subject
Property - City property is located. M M Text(100)
Loan-Level Data
The 2-character postal
abbreviation of the state,
province, or region of
Property - State the subject property. M M Text(2)
The code designated by
the postal service to
direct the delivery of
physical mail or which
corresponds to a
physical location. In the
USA, this can take either
a 5 digit form (ZIP Code)
or a 9-digit form (ZIP +
Property - Zip Code 4). M M Text(9)
Property Valuation -
Method Type of value analysis. M M Numeric(4,0)
Property Valuation - Date of the property
Date value analysis M M Date(CCYY-MM-DD)
Property as-is value
Property Valuation - determined by the
As Is Value property valuation M M Currency(20,2)
A code denoting the
Property Condition condition of the subject
Code property. M M Numeric(4,0)
A code identifying the
occupancy by the
Property Occupancy borrower of the subject
Status Code property. M M Numeric(4.0)
A code identifying the
Property Usage Type intended use by the
Code borrower of the property. M M Numeric(4,0)
The date on which the
Modification Effective loan terms will be
Date modified. M M Date(CCYY-MM-DD)
Exhibit C HMP Data Dictionary + MI Values Confidential - Internal Distribution
ata
Home Affordable Modification Program (HMP) Servicer Reporting Requirements plus MI Requirements
The mortgage product of
the loan, after the
modification (Allowable
Product After values are Fixed or
Modification Step). M M Numeric(4,0)
Loan-Level Data
The number of months
used to calculate the
periodic payments of
both principal and
interest that will be
Amortization Term sufficient to retire a
after modification mortgage obligation. M M Numeric(4,0)
The unpaid principal
balance of a loan after
the loan modification.
The unpaid principal
balance after
modification excludes
any applicable
Unpaid Principal forbearance amount and
Balance after can also be referred to
modification as Net UPB Amount. M M M Currency(20,2)
Last Paid Installment The due date of the last
Date after paid installment of the
modification loan. M M M Date(CCYY-MM-DD)
The interest rate in the
Interest Rate after month after loan
modification modification. M M Numeric(6,4)
The date that the rate
lock was applied - in
Interest Rate Lock reference to modification
Date for Modification of loan terms M M Date(CCYY-MM-DD)
First Payment Due
Date after First payment due date
modification under the modified terms M M Date(CCYY-MM-DD)
Principal and Interest
Payment After The P&I amount after
modification modification M M Currency(20,2)
Existing monthly
Escrow Payment after payment to escrow-after
modification modification M M Currency(20,2)
The dollar amount per
month of the borrowers
housing expense of the
subject property after
modification .May be
used for their primary
residence. This must be
Principal, Interest,
Monthly Housing Taxes, Insurance and
Expense after Association Dues
Modification (PITIA). M M Currency(20,2)
Maturity Date after The maturity date of the
modification loan after modification M M Date(CCYY-MM-DD)
Exhibit C HMP Data Dictionary + MI Values Confidential - Internal Distribution
Home Affordable Modification Program (HMP) Servicer Reporting Requirements plus MI Requirements
The total amount in
dollars of the principal
Principal Forbearance that was deferred
Amount through loss mitigation. C C if deferred Currency(20,2)
For loans where the
term of the loan can be
extended rather than
Loan-Level Data
increasing the principal
and interest payment,
this is the total term of
the loan including any
extension. For all non-
extendable loans, the
Term after extended term defaults
Modification to the original term. M M Numeric(4,0)
Percentage of
Front Ratio after borrower's PITIA to
modification income ratio M M Numeric(4,2)
Percentage of
Back Ratio after borrower's PITIA plus
modification debts to income ratio M M Numeric(4,2)
Principal Write-down Amount of principal
(Forgiveness) written-down or forgiven C C if principal forgiven Currency(20,2)
Have subordinate liens
Paydown or Payoff of been paid off or paid
Subordinate Liens down? C C if subordinate liens paid off or paid down Boolean
Paydown or Payoff of Amount of paydown or
Subordinate Liens payoff of subordinate if Paydown or Payoff of Subordinate Liens
amount liens C C flag is "Y" Currency(20,2)
A code reported by the
lender to update the loan
that indicates the action
that occurred during the
Action Code reporting period C If there is default action Numeric(4,0)
The effective date of the
action associated with
the action code specified
on the incoming LPC
Transaction by the
Servicer. The action
date is required for
Action Code Date certain action codes. C If there is default action Date(CCYY-MM-DD)
Max Interest Rate Interest rate cap for the
after Modification loan. M M Number(6,4)
The number of the trial
payment being reported.
The code that is used to
define a single payment
number that will be one
of a series of payments
that together will
Trial Payment complete a loan trial
Number payment period. M Numeric(4,0)
Exhibit C HMP Data Dictionary + MI Values Confidential - Internal Distribution
ata
Home Affordable Modification Program (HMP) Servicer Reporting Requirements plus MI Requirements
The actual dollar amount
of the payment received
from the borrower to the
Trial Payment servicer for the trial
Received Amount payment. M Currency(20,2)
Loan-Level Data The date the payment
Trial Payment Posted was posted during the
Date Trial period M Date(CCYY-MM-DD)
The date the 1st
1st Trial Payment Due payment is due during
Date the trial period M O Date(CCYY-MM-DD)
The date the first
1st Trial Payment payment posted during
Posted Date the Trial period M O Date(CCYY-MM-DD)
This is the actual
amount of the Payment
received from the
1st Trial Payment Borrower to the Servicer
Received Amount for the 1st Trial payment. M O Currency(20,2)
The length of the trial
Length of trial period period M M Numeric(3,0)
The sequence is used to
uniquely identify and
order Loan Interest Rate
Adjustment schedule
records specific to the
Step Rate Schedule, Step - Interest Rate loans step rate
if the product after Step Number schedule. M M Numeric(4)
modification is a step Step - Payment The date the payment
Effective Date will be effective. M M C if rate change Date(CCYY-MM-DD)
rate product -- These
The interest rate in the
five fields form a month after loan
group. If the Product Step - Note Rate modification. M M C if rate change Numeric(6,4)
Type After
Modification is Step After modification step
Rate then at least one duration. If this step is
occurrence of this the last step and will be
the rate and payment
group of fields must effective for the life of
exist. The first Step - New Interest the loan, then duration is
occurrence of this Rate - Step Duration not required. M M Numeric(4)
Loan-Level Data
group must have a
step effective date of
5 years from the first
effective due date
after modification.
P&I Amount - The
amount of the principal
and/or interest payment
due on the loan for each
Step - Principal and installment, beginning on
Interest Payment the effective date. M M C if rate change Currency(20,2)
Servicer contract
Servicer TARP number with Treasury
Contract Number (TARP) C if Servicer services non-GSE loans only Numeric(10)
Max amount that will be
Fee Cap at Servicer paid to Servicer for loan
Level modification C if Servicer services non-GSE loans only Currency(20,2)
Servicer Primary The first name of the
Contact First Name Person. M Text(100)
Servicer Primary The last name of the
Contact Last Name Person. M Text(100)
Data
Exhibit C HMP Data Dictionary + MI Values Confidential - Internal Distribution
Home Affordable Modification Program (HMP) Servicer Reporting Requirements plus MI Requirements
The entire sequence of
digits required to initiate
a call from a standard
Servicer Registration Data phone to this number. It
should include the area
code or, for overseas
Servicer Primary numbers, the full country
Contact Phone and city codes as they
Number would be dialed. M Text(20)
Servicer Primary Servicer contact email
Contact Email address C if available Text(100)
Servicer Secondary The first name of the
Contact First Name Person. O Text(100)
Servicer Secondary The last name of the
Contact Last Name Person. O Text(100)
The entire sequence of
digits required to initiate
a call from a standard
phone to this number. It
should include the area
code or, for overseas
Servicer Secondary numbers, the full country
Contact Phone and city codes as they
Number would be dialed. O Text(20)
Servicer Secondary Servicer contact email
Contact Email address O Text(100)
The street address that
denotes the location
Servicer Street where mail is delivered
Address Line 1 for the Servicer. M Text(100)
The name of the city to
which physical mail is
Servicer City Name directed for the Servicer. M Text(100)
The 2-character postal
abbreviation of the state,
province, or region to
which physical mail is
directed or which
corresponds to a
Servicer State physical location. M Text(2)
ervicer Registration Data
The code designated by
the postal service to
direct the delivery of
physical mail or which
corresponds to a
physical location. In the
USA, this can take either
a 5 digit form (ZIP Code)
or a 9-digit form (ZIP +
Servicer Postal Code 4). M Text(9)
Exhibit C HMP Data Dictionary + MI Values Confidential - Internal Distribution
Servicer Registrati
Home Affordable Modification Program (HMP) Servicer Reporting Requirements plus MI Requirements
Servicer Technical Person we can contact
Point of Contact at servicer to set up B2B
Name interactions M Text(100)
Email address of
Servicer Technical servicer technical point
Point of Contact eMail of contact. M Text(100)
Servicer Technical Phone number of
Point of Contact servicer technical point
Phone of contact M Text(20)
URL to which we will
connect to send data
and reports directly to
the servicer. For
example
Servicer Data Return https://servicer.com/prev
URL ention M Text(100)
Servicer Data Return Port number associated
Port Number with the URL M Numeric(10)
B2B protocol to be used
to exchange data with a
servicer. Must be one of
the following: AS2,
Servicer Data Connect:Direct, or
Exchange Protocol SFTP. M Text(100)
Exhibit C HMP Data Dictionary + MI Values Confidential - Internal Distribution
Home Affordable Modification Program (HMP) Servicer Reporting Requirements plus MI Requirements
This describes the bank
account type to which
the disbursements will
Disbursement Type be paid M Text(100)
The transit number
devised by the American
Bankers Association
(ABA). A routing transit
number (RTN) or ABA
number is a nine digit
code, used in the United
States, which for
instance appears on the
bottom of negotiable
instruments such as
This section is checks that identifies
required at time of which financial institution
Servicer Setup. These Servicer Routing it is drawn upon.-WIRE
(ABA) Number Transfer M Numeric(50)
eight fields form a
Bank Account Setup
group. There must
A bank account is a
be at least one monetary account with a
occurrence of this banking institution
group with recording the balance of
disbursement type = Servicer Bank money for a customer.-
Account Number Wire Transfer M Numeric(50)
"default". In addition
to the "default" bank The name of the bank
account, there can Servicer Bank Name that receives the funds. M Text(100)
only be at most one The unparsed street
occurrence of bank address that denotes the
Servicer Bank Street location where mail is
accounts of
Address Line 1 delivered. M Text(100)
disbursement type = The name of the city to
"Servicer", Servicer Bank City which physical mail is
"Borrower" or Name directed. M Text(100)
"Investor"
The 2-character postal
abbreviation of the state,
province, or region to
which physical mail is
directed or which
corresponds to a
Servicer Bank State physical location. M Text(2)
The code designated by
the postal service to
direct the delivery of
physical mail or which
corresponds to a
physical location. In the
USA, this can take either
a 5 digit form (ZIP Code)
Servicer Bank Postal or a 9-digit form (ZIP +
Code 4). M Text(9)
Exhibit C HMP Data Dictionary + MI Values Confidential - Internal Distribution
Home Affordable Modification Program (HMP) Servicer Reporting Requirements plus MI Requirements
The complete name of
Servicer Company the company servicing
Name the loan. C C C If loan has private mortgage insurance. Text (25)
The Fannie Mae
mortgage insurance
company identifier for
MI Company Code for the MI Company that
Primary Mortgage has the primary
Insurer insurance coverage C C C If loan has private mortgage insurance. Numeric (2)
Provide the MI company
Primary MI Certificate primary certificate
Number number. C C C If loan has private mortgage insurance. Alpha-numeric (11)
The Fannie Mae
mortgage insurance
company identifier for
Mortgage Insurance Data
the MI Company that
MI Company code for has the pool or other
Pool or Supplemental supplemental mortgage
Mortgage Insurer insurance coverage C C C If loan has private mortgage insurance. Numeric (2)
Pool MI Certificate Provide the MI company
Number pool certificate number. C C C If loan has private mortgage insurance. Alpha-numeric (11)
This section is Provide the pool
required for all loans contract number for this
with private mortgage loan if the loan is part of
Pool Contract ID a pool. C C C If loan has private mortgage insurance. Alpha-numeric (6)
insurance.
The unpaid principal
balance of a loan after
Unpaid Principal the loan modification
Balance after including any applicable
modification (Gross forbearance amount and
UPB) can also be referred to
as Gross UPB Amount. C C C If loan has private mortgage insurance. Numeric (12,2)
If the loan is currently in
default, provide the total
amount currently
delinquent. Include
decimal point only; do
Total $ Amount not include commas or
Delinquent dollar sign. O O O If loan has private mortgage insurance. Numeric (12,2)
Provide the dollar
amount of any
capitalization increasing
the loan balance as part
of the workout. Include
decimal point only; do
Total Capitalized $ not include commas or
Amount dollar sign. O O O If loan has private mortgage insurance. Numeric (12,2)
Exhibit C HMP Data Dictionary + MI Values Confidential - Internal Distribution
Home Affordable Modification Program (HMP) Servicer Reporting Requirements plus MI Requirements
Allowable Values
Campaign types --
enumeration: HMP1 - HMP
Delinquent, HMP2 - HMP
Imminent Default, HMP3 -
Deed-in-lieu, HMP4 - Deed-in-
lieu with Jr. Lien, HMP5 -
Short Sale, HMP6 - Short
Sale With Jr. Lien
Owner of the mortgage
enumeration: 1 - Fannie Mae,
2 - Freddie Mac, 3 - Private, 4
- Portfolio, 5 - GNMA, 6 -
FHLMC
Exhibit C HMP Data Dictionary + MI Values Confidential - Internal Distribution
Home Affordable Modification Program (HMP) Servicer Reporting Requirements plus MI Requirements
Status of loan data being
submitted enumeration: 1 -
Trial, 3-Official, 5 - Trial
Cancel, 6-Official Correction,
7. Official Cancel
Enumeration: 1 - FHA –
Loans insured by the Federal
Housing Administration
2 - VA – Loans insured by the
Department of Veteran’s
Affairs,
3 - Conventional with PMI –
Non-government insured
mortgages insured by a
private (non-government)
insurer.
4 - Conventional w/o PMI –
Mortgages with neither
government nor private
mortgage insurance.
True/False
Exhibit C HMP Data Dictionary + MI Values Confidential - Internal Distribution
Home Affordable Modification Program (HMP) Servicer Reporting Requirements plus MI Requirements
Hardship/Reason Code
enumeration: 1 - Death of
borrower, 2 - Illness of
principal borrower, 3 - Illness
of borrower family member, 4 -
Death of borrower family
member, 5 - Martial
difficulties, 6 - Curtailment of
income, 7 - Excessive
obligation, 8 - Abandonment
of property, 9 - Distant
employment transfer, 10 -
Property problem, 11 -
Inability to sell property, 12 -
Inability to rent property, 13 -
Military service, 14 - Other,
15 - Unemployment, 16 -
Business failure,17 -
Casualty Loss, 18 - Energy
environment costs, 19 -
Servicing problems, 20 -
Payment adjustment, 21 -
Payment dispute, 22 -
Transfer of ownership
pending, 23 - Fraud, 24 -
Unable to contact
borrower,25 - Incarceration
Exhibit C HMP Data Dictionary + MI Values Confidential - Internal Distribution
Home Affordable Modification Program (HMP) Servicer Reporting Requirements plus MI Requirements
Exhibit C HMP Data Dictionary + MI Values Confidential - Internal Distribution
Home Affordable Modification Program (HMP) Servicer Reporting Requirements plus MI Requirements
enumeration: 1- ARM, 2 -
Fixed Rate, 3 - Step Rate, 4 -
One Step Variable, 5 - Two
Step Variable, 6 - Three Step
Variable,
7 - Four Step Variable, 8 -
Five Step Variable,9 - Six
Step Variable, 10 - Seven
Step Variable,11 - Eight Step
Variable, 12 - Nine Step
Variable,13 - Ten Step
Variable, 14 - Eleven Step
Variable, 15 - Twelve Step
Variable, 16 - Thirteen Step
Variable, 17 - Fourteen
Exhibit C HMP Data Dictionary + MI Values Confidential - Internal Distribution
Home Affordable Modification Program (HMP) Servicer Reporting Requirements plus MI Requirements
Exhibit C HMP Data Dictionary + MI Values Confidential - Internal Distribution
Home Affordable Modification Program (HMP) Servicer Reporting Requirements plus MI Requirements
enumeration:
WY,WV,WI,WA,VT,VI,VA,UT,
TX,TN,SD,SC,RI,PR,PA,OR,
OK,OH,NY,NV,NM,NJ,NH,NE
,ND,NC,MT,MS,MO,MN,MI,M
E,
MD,MA,LA,KY,KS,IN,IL,ID,IA,
HI,GU,GA,FL,DE,DC,CT,CO,
CA,AZ,AR,AL,AK,
enumeration: 1 - Full
appraisal – Prepared by a
certified appraiser; 2 - Limited
appraisal – Prepared by a
certified appraiser; 3 - Broker
Price Opinion “BPO” –
Prepared by a real estate
broker or agent; 4 - Desktop
Valuation – Prepared by bank
employee; 5 - Automated
Valuation Model “AVM” -
GSE; 6 - Automated
Valuation Model "AVM" -
Other
enumeration: 1 - Excellent, 2 -
Good, 3 - Fair, 4 - Poor, 5 -
Condemned, 6 - Inaccessible
enumeration: 1- Vacant, 2 -
Borrower Occupied, 3 -
Tenant Occupied, 4 -
Unknown, 5 - Occupied by
Unknown
enumeration: 1 - Principal
Residence; 2 - Second or
Vacation Home; 3 -
Investment Property
Exhibit C HMP Data Dictionary + MI Values Confidential - Internal Distribution
Home Affordable Modification Program (HMP) Servicer Reporting Requirements plus MI Requirements
enumeration: 1- ARM, 2 -
Fixed Rate, 3 - Step Rate, 4 -
One Step Variable, 5 - Two
Step Variable, 6 - Three Step
Variable,
7 - Four Step Variable, 8 -
Five Step Variable,9 - Six
Step Variable, 10 - Seven
Step Variable,11 - Eight Step
Variable, 12 - Nine Step
Variable,13 - Ten Step
Variable, 14 - Eleven Step
Variable, 15 - Twelve Step
Variable, 16 - Thirteen Step
Variable, 17 - Fourteen
Exhibit C HMP Data Dictionary + MI Values Confidential - Internal Distribution
Home Affordable Modification Program (HMP) Servicer Reporting Requirements plus MI Requirements
True/False
enumeration:
60 - Payoff,
65 - Repurchase,
70 - Liquidation held for sale,
71 - Liquidated 3rd party
sale/condemnation/assigned
to FHA/VA,
72 - Liquidated - pending
conveyance, 76 - Deed in
Lieu, 77 - Deed in Lieu with
Jr. Lien, 78 - Short Sale, 79 -
Short Sale with Jr. Lien
If action code assigned
Exhibit C HMP Data Dictionary + MI Values Confidential - Internal Distribution
Home Affordable Modification Program (HMP) Servicer Reporting Requirements plus MI Requirements
if rate change
Exhibit C HMP Data Dictionary + MI Values Confidential - Internal Distribution
Home Affordable Modification Program (HMP) Servicer Reporting Requirements plus MI Requirements
enumeration:
WY,WV,WI,WA,VT,VI,VA,UT,
TX,TN,SD,SC,RI,PR,PA,OR,
OK,OH,NY,NV,NM,NJ,NH,NE
,ND,NC,MT,MS,MO,MN,MI,M
E,
MD,MA,LA,KY,KS,IN,IL,ID,IA,
HI,GU,GA,FL,DE,DC,CT,CO,
CA,AZ,AR,AL,AK,
Exhibit C HMP Data Dictionary + MI Values Confidential - Internal Distribution
Home Affordable Modification Program (HMP) Servicer Reporting Requirements plus MI Requirements
Exhibit C HMP Data Dictionary + MI Values Confidential - Internal Distribution
Home Affordable Modification Program (HMP) Servicer Reporting Requirements plus MI Requirements
enumeration: default,
borrower, servicer, investor
enumeration:
WY,WV,WI,WA,VT,VI,VA,UT,
TX,TN,SD,SC,RI,PR,PA,OR,
OK,OH,NY,NV,NM,NJ,NH,NE
,ND,NC,MT,MS,MO,MN,MI,M
E,
MD,MA,LA,KY,KS,IN,IL,ID,IA,
HI,GU,GA,FL,DE,DC,CT,CO,
CA,AZ,AR,AL,AK,
Exhibit C HMP Data Dictionary + MI Values Confidential - Internal Distribution
Home Affordable Modification Program (HMP) Servicer Reporting Requirements plus MI Requirements
01 - Genworth
06 - MGIC
11 - PMI
12 - UGI
13- RMIC
24 - Triad
33 - Radian
38 - CMG
01 - Genworth
06 - MGIC
11 - PMI
12 - UGI
13- RMIC
24 - Triad
33 - Radian
38 - CMG
Exhibit C HMP Data Dictionary + MI Values Confidential - Internal Distribution
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