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Loan Extension Template document sample
Document Sample
Exhibit C
MICA HAMP Reporting Template
Open MICA HAMP Reporting Template.
Open HAMP Data Dictionary.
ebaecdb3-8caa-4dc5-b98f-bc9b0c106887.xls - Instructions
ebaecdb3-8caa-4dc5-b98f-bc9b0c106887.xls - Instructions
ebaecdb3-8caa-4dc5-b98f-bc9b0c106887.xls - Instructions
ebaecdb3-8caa-4dc5-b98f-bc9b0c106887.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
Co- Unpaid
Borrower Borrower Principal Last Paid
GSE Servicer HMP Underlying Program Social Co- Co- Social Borrower Balance Loan Installment Foreclosure Projected Hardship
Servicer Loan Servicer GSE Loan Trust Type/Campai Investor Borrower Borrower Security Borrower 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
Monthly Principal Modified Monthly Interest
Debt NPV Model NPV Model and Interest Escrow Association Principal Loan Term- Housing Owed Or
Monthly Payments Result Result Amortization Interest Rate Payment Payment Dues/Fees Payment Attorney Escrow Officer Expense Payment
Gross excluding Amount Pre- Amount Term before before before before before Principal Interest Owed or Not Other Fees Not In Shortage for Other Borrower Signature Disbursemen before Delinquent Not
3 Income PITIA NPV Date mod Post-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 Unpaid
Fee Principal Principal Principal
Percent, Product Maturity Remaining Front Ratio Back Ratio and Interest and Interest Property - Property - Property Property Property Property Property Property Modification Product Amortization Balance
after before Date before Term before before before Payment at Payment at Number of Street Property - Property - Property - Valuation - Valuation - Valuation - Condition Occupancy Usage Type Effective After Term after 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 Monthly
Last Paid Interest Rate Payment and Interest Escrow Housing Principal Paydown or Paydown or Trial
Installment Interest Rate Lock Date Due Date Payment Payment Expense Maturity 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 Date 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 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 and Interest Contract Servicer Contact First Contact Last Phone Contact Contact First Contact Last Phone Contact Address 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 Line 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 Gross
Servicer MI Company code for Pool Unpaid
Technical Servicer Servicer Servicer Servicer Code for or Principal
Point of Servicer Servicer Data Routing Bank Bank Street Servicer Servicer Servicing Primary Primary MI Supplemental Pool MI Balance Total $ Total
Contact Data Return Data Return Exchange Disbursemen (ABA) Account Servicer Address Bank City Servicer Bank Postal Company Mortgage Certificate Mortgage Certificate Pool after Amount Capitalized
3 Phone URL Port Number Protocol t Type Number Number Bank Name Line 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
Name of Data Point Description Registration Loan Set-Up/Trial During Trial Modification Monthly Reporting Required and 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
Loan Identifiiers
by 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 identifier of a
Program Loan Workout
Type/Campaign ID 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
Submission Status being 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 –
Loan-Level Data
either paid-in-full,
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
Foreclosure Referral from foreclosure should
Date not have a referral date. 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
Projected Projected date for
Foreclosure Sale foreclosure sale of
Date subject property O O Date(CCYY-MM-DD)
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, Taxes,
Monthly Debt 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
before modification the 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
mortgagee. Depending
Loan-Level Data
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
modification modification C C is 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 If there are amounts contributed by
Other Contributions Hazard 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 reclassification.
Modified Loan Term- There is no conversion
Officer Signature needed for existing
Date cases O O Date(CCYY-MM-DD)
If there are any
Forgiven disbursement
Loan-Level Data
Disbursement for advances
Forgiven 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)
Exhibit C HMP Data Dictionary + MI Values Confidential - Internal Distribution
Home Affordable Modification Program (HMP) Servicer Reporting Requirements plus MI Requirements
The mortgage product
Product before of the loan, before the
Modification modification. M M Numeric(4,0)
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)
Exhibit C HMP Data Dictionary + MI Values Confidential - Internal Distribution
Home Affordable Modification Program (HMP) Servicer Reporting Requirements plus MI Requirements
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)
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 the subject
Property - State 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
Property - Zip Code (ZIP + 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)
Exhibit C HMP Data Dictionary + MI Values Confidential - Internal Distribution
Home Affordable Modification Program (HMP) Servicer Reporting Requirements plus MI Requirements
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)
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
forbearance amount
Unpaid Principal and can also be
Balance after referred to as Net UPB
modification 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
reference to
Interest Rate Lock modification of loan
Date for Modification 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 payment to escrow-after
after modification modification M M Currency(20,2)
Exhibit C HMP Data Dictionary + MI Values Confidential - Internal Distribution
Home Affordable Modification Program (HMP) Servicer Reporting Requirements plus MI Requirements
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)
The total amount in
dollars of the principal
Principal that was deferred
Forbearance 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 reporting
Action Code period C If there is default action 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 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 complete a
Trial Payment loan trial payment
Number period. M Numeric(4,0)
The actual dollar
amount of the payment
received from the
Trial Payment borrower to the servicer
Received Amount for the trial 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 payment is due during
Due 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
Borrower to the
1st Trial Payment Servicer for the 1st Trial
Received Amount 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
Step Rate Schedule, Step - Interest Rate specific to the loans
Step Number step rate schedule. M M Numeric(4)
if the product after Step - Payment The date the payment
modification is a step 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 duration. If this step is
one occurrence of the last step and will be
this group of fields the rate and payment
must exist. The first effective for the life of
Step - New Interest the loan, then duration
occurrence of this Rate - Step Duration is not required. M M Numeric(4)
group must have a
step effective date of
5 years from the first
effective due date
Exhibit C HMP Data Dictionary + MI Values
after modification. Confidential - Internal Distribution
one occurrence of
this group of fields
must exist. The first Home Affordable Modification Program (HMP) Servicer Reporting Requirements plus MI Requirements
occurrence of this
group must have a
Loan-Level Data
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
Interest Payment on 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)
The entire sequence of
digits required to initiate
a call from a standard
phone to this number. It
should include the area
Servicer Registration Data
code or, for overseas
Servicer Primary numbers, the full
Contact Phone country and city codes
Number as they 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
Contact Phone country and city codes
Number as they 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)
Exhibit C HMP Data Dictionary + MI Values Confidential - Internal Distribution
Home Affordable Modification Program (HMP) Servicer Reporting Requirements plus MI Requirements
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)
Servicer 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
Servicer Postal Code (ZIP + 4). M Text(9)
Servicer Technical Person we can contact
Point of Contact at servicer to set up
Name B2B 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
Servicer Setup. Servicer Routing institution it is drawn
(ABA) Number upon.-WIRE Transfer M Numeric(50)
These eight fields
Bank Account Setup
form a group. There
A bank account is a
must be at least one monetary account with
occurrence of this a 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
Servicer Bank Street the location where mail
accounts of
Address Line 1 is 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
Servicer Bank Postal Code) or a 9-digit form
Code (ZIP + 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 the MI Company that
for 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 loan if the loan is part of
mortgage insurance. Pool Contract ID a pool. C C C If loan has private mortgage insurance. Alpha-numeric (6)
The unpaid principal
balance of a loan after
the loan modification
Unpaid Principal including any applicable
Balance after forbearance amount
modification (Gross and can also be
UPB) 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
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
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
Exhibit C HMP Data Dictionary + MI Values Confidential - Internal Distribution
Home Affordable Modification Program (HMP) Servicer Reporting Requirements plus MI Requirements
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
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
Exhibit C HMP Data Dictionary + MI Values Confidential - Internal Distribution
Home Affordable Modification Program (HMP) Servicer Reporting Requirements plus MI Requirements
If action code assigned
if rate change
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,
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
