HMDA DF File Structure... · XLS file · Web view2017-12-14 · Wiz Data Type Wiz Grouping Information HMDA regulations Required that APR data is expressed in percent ... • Field

Field # in Submission HMDA DF Wiz Field Name

HMDA DF Wiz Field names in the application

About Wolters Kluwer - Wolters Kluwer provides audit, risk and compliance solutions that help financial organizations improve efficiency and effectiveness across their enterprise. Whether complying with regulatory requirements, addressing a single key risk, or working toward a holistic risk management strategy, more than 15,000 customers worldwide count on Wolters Kluwer Financial Services for a comprehensive and dynamic view of risk management and compliance. With more than 30 offices in over 20 countries, the company’s prominent brands include: FRSGlobal, ARC Logics for Financial Services, PCi, Bankers applications, VMP® Mortgage Solutions, AppOne®, GainsKeeper®, Capital Changes, NILS, AuthenticWeb™ and Uniform Forms™. Wolters Kluwer is a leading global information services and publishing company with annual revenues of (2011) €3.4 billion ($4.7 billion) and approximately 19,000 employees worldwide. Please visit our website for more information.

Wolters Kluwer Financial Services130 Turner StreetBuilding 3, 4th FloorWaltham, MA 02453800.261.3111

2018 HMDF Import Tab

Tab lists out fields which are needed for various functions in the application for HMDA DF support.

If a field is not required for submission, it can be used for other purposes in the application and can be mapped accordingly based on your institution's need for that field in new format. (Column F 'Field Used In Wiz' provides reference as to what field is used for)

Submission Field Sequence #If # or value is not present it's not required for

Submission

http://www.wolterskluwerfs.com/


© 2017 Wolters Kluwer


HMDA DF Regulation Field Name

Required for Submission

Wiz Grouping Information

HMDA DF field names in regulation

Whether field is requried for submission

Wiz groupings when viewing under Filters, Edit, Grid Default Views and other area's of the application.

Wiz Data Type


HMDA DF MISMO 3.4 Field Names

HMDA DF MISMO field names. MISMO field names

are for reference ONLY

Wiz does not have any support for MISMO fields in import or in the application.

Wiz defined data type required for users to follow in order to

import data successfully in Wiz

Wiz Data Type Length Wiz Datatype Precision Wiz Datatype Scale

Reflects Precision Value Reflects Scale Value


Reflects data type length in Wiz

Valid values description


Acceptable Values Codes/Examples

Acceptable Values with

Codes/Description

Reflects acceptable Values/Codes/Examples






Verion

1.3

1.2.2

1.2.1

1.1

1


Wolters Kluwer Financial Services130 Turner StreetBuilding 3, 4th FloorWaltham, MA 02453800.261.3111



© 2017 Wolters Kluwer

Change

Field#58 has been updated to remove HMDA Rate Spread Percent from the 'HMDA DF MISMO 3.4 Field Names' column (that is the field name for Field#59)

• Field 4 Appl Date: Updated Data Type and Length Date to DateTime, 10 to 8. And Updated Column L • Field 6 Loan Purpose: Updated description to add NA • Field 10 Loan Amount in Dollars: Updated Data Type and Length Integer 10 to Decimal 9,15,2 • Field 12 Action Date: Updated Date to DateTime. Updated Length 10 to 8. And Column L • Field 16 Zip: Updated Data Type from Char to VarChar • Field 17 County5: Updated Data Type from Char to VarChar • Field 18 Tract11: Updated Data Type Char to VarChar • Field CensusTract: Updated Data Type Char to VarChar • Field 33 to 48 Race/Co Race : Updated Data Type Char to VarChar • Field 55 to 56 Age/Co Age : Updated Length 4 to 5,4,0 • Field 58 Purchaser: Updated Data Type Char to VarChar • Field 62 to 63 Credit Score/Co Credit Score: Updated Data Length 4 to 5,4,0 • Field 62 Credit Score: Updated description to 7777 • Field 63 Co Credit Score: Updated description to 7777 • Field 64 to 67 Credit Scoring Models/Co Credit Scoring Models/Other : Updated Data Type Char to Varchar • Field 68 to 72 Reason for Denial/Denial Other: Updated Data Type Char to Varchar • Field 76 Discount Points : Updated description to add Blank • Field 79 PPP Term: Updated Data Length 4 to 5,4,0 • Field 82 LoanTermMonths: Updated Data Length 4 to 5,4,0 • Field LoanTerm: Updated Data Length 4 to 5,4,0 • Field 83 IntroRatePeriod: Updated Data Length 4 to 5,4,0 • Field 91 TotalUnits : Updated Data Length 4 to 5,4,0 • Field 92 MFAHU: Updated Data Length 4 to 5,4,0 • Field 96 to 107 AUS Fields :Updated Data Type Char to VarChar • Field Loan Amount: Updated Column L to reflect cents • Removed NA column • New Columns Added : H and I

UpdatedFollowing fields has been updated.

Field # 96, 97, and 98,99, 100,101 : AUSSSstyem corrected to AUSystem (Extra SS in the field name was removed)

• Field 41 CoaRace_1 - Added codes 6, 7, and 8 to column I• Field 41 CoaRace_1 - Updated acceptable value code 1 from Amer Indian/Alaskan to American Indian or Alaska Native • Field 42 CoaRace_2 - Updated acceptable value code 1 from Amer Indian/Alaskan to American Indian or Alaska Native • Field 43 CoaRace_3 - Updated acceptable value code 1 from Amer Indian/Alaskan to American Indian or Alaska Native • Field 44 CoaRace_4 - Updated acceptable value code 1 from Amer Indian/Alaskan to American Indian or Alaska Native • Field 45 CoaRace_5 - Updated acceptable value code 1 from Amer Indian/Alaskan to American Indian or Alaska Native • Field 51 Sex - Updated acceptable value code 3 from Not Provided to Information not provided by applicant in mail, internet, or telephone application• Field 52 CoaSex - Updated acceptable value code 3 from Not Provided to Information not provided by applicant in mail, internet, or telephone application• Field 58 Purchaser - Updated Acceptable Value code 72 from Life Insurance Co to Life Insurance Company• Field 65 CreditModelOther - Added ‘blank’ to column I and K• Field 66 Coa_CreditModel - Added code 10 to column I• Field 67 Coa_CreditModelOther - Added blank to 67 columns I and K• Field 72 DenialOther - Added blank to column I and K• Field 78 InterestRate - Added NA to column I • Field 79 PPPTerm – Added NA to column I • Field 85 IOPMT - Updated acceptable values from 1 = IO payments 2 = No IO payments to 1. Interest-only payments 2. No interest-only payments• Field 86 NegAM - Updated acceptable values from 1 = Neg Am 2 = No Neg Am to 1. Negative amortization 2. No negative amortization• Field 89 MHSecPropType - Updated acceptable value from 1 = MH and land 2 = MH and not land to 1. Manufactured home and land 2. Manufactured home and not land • Field 101 AUSSystemOther - Added blank to field 101 columns I and K• Field 108 REVMTG - Updated acceptable value codes from 1 = Reverse Mtg 2 = Not a Reverse Mtg to 1. Reverse mortgage 2. Not a reverse mortgage

Initial Creation

UpdatedFollowing fields has been updated.

Field 96 - NMLRID (Wiz Data Type Changed from INT to VARCHAR)Row 132- Mnrty_trct Field Data (Wiz Data Type Length Changed from 50 to 1)Row 134- Appl_incm_catg (Wiz Data Type Length Changed from 50 to 1)Row 135- LastName (Wiz Data Type Length Changed from 9 to 20)Row 136- FirstName (Wiz Data Type Length Changed from 1 to 20)Row 138- CLastName (Wiz Data Type Length Changed from 10 to 20)Row 139- CFirstName (Wiz Data Type Length Changed from 10 to 20)

Removed

Following Fields from v1 has been removed.

Row 137-MiddleNmRow 140-CMiddleNmRow 141- DependentsRow 142-EducationRow 143-Coa_DepenRow 146 -Coa_Educ


Wolters Kluwer Financial Services










1 RecordID Record Identifier Yes

2 LEI Legal Entity Identifier (LEI) Yes

3 ULI Yes

4 ApplDate Application Date Yes

5 LoanType Loan Type Yes

6 Purpose Loan Purpose Yes

7 Preapproval Preapproval Yes

8 ConstructionMethod Construction Method Yes

9 OccupancyType Occupancy Type Yes

10 LoanAmountInDollars Loan Amount Yes

Field # in Submission

HMDA DF Wiz Field Name

HMDA DF Regulation Field Name

Required for Submission

Universal Loan Identifier (ULI)

11 Action Action Taken Yes

12 ActionDate Action Taken Date Yes

13 Address Street Address Yes

14 CITY City Yes

15 State_Abrv State Yes

16 Zip ZIP Code Yes

17 County_5 County Yes

18 Tract_11 Census Tract Yes

19 Ethnicity_1 YesEthnicity1 of Applicant or

Borrower

20 Ethnicity_2 Yes

21 Ethnicity_3 Yes

22 Ethnicity_4 Yes

Ethnicity2 of Applicant or Borrower

Ethnicity3 of Applicant/Borrower


23 Ethnicity_5 Yes

24 EthnicityOther Yes

25 Coa_Ethnicity_1 Yes



Ethnicity of Applicant or Borrower:

Conditional Free Form Text Field for Code 14

Ethnicity1 of Co-Applicant or Co-Borrower





30 Coa_EthnicityOther Yes

31 Ethnicity_Determinant Yes

32 Yes




Ethnicity of Co-Applicant or Co-Borrower:


Ethnicity of Applicant or Borrower Collected on the

Basis of Visual Observation or Surname

Coa_Ethnicity_Determinant

Ethnicity of Co-Applicant or Co-Borrower Collected on

the Basis of Visual Observation or Surname

33 Race_1 Yes

34 Race_2 Race2 of Applicant/Borrower Yes

Race1 of Applicant/Borrower




38 Race1_Other Yes

39 Race27_Other Yes

40 Race44_Other Yes

41 CoaRace_1 Yes

Free form text field for code 1



Race1 of CoApplicant/CoBorrower

42 CoaRace_2 Yes

43 CoaRace_3 Yes



44 CoaRace_4 Yes

45 CoaRace_5 Yes

46 CoaRace1_Other Yes








49 Race_Determinant Yes

50 CoaRace_Determinant Yes

51 Sex Applicant Sex Yes

52 CoaSex Co-Applicant Sex Yes

53 Sex_Determinant Yes

54 CoaSex_Determinant Yes

55 Age Borrower Age Yes

56 Coa_Age Co-Applicant Age Yes

57 Income Applicant Income Yes

58 Purchaser Type of Purchaser Yes

Race of Applicant/Borrower collected based on visual observation or surname

Race of CoApplicant/CoBorrower collected based on visual observation or surname

Sex of Applicant/Borrower collected based on visual observation or surname

Sex of CoApplicant/CoBorrower collected based on visual observation or surname

59 Rate_Spread Rate Spread Yes

60 HOEPA_Status HOEPA Yes

61 Lien_Status Lien Status Yes

62 CreditScore Yes

63 Coa_CreditScore Yes

64 CreditModel Yes

65 CreditModelOther Yes

Credit Score of Applicant or Borrower

Credit Score of Co-Applicant or Co-Borrower

Applicant or Borrower, Name and Version of Credit

ScoringModel

Applicant or Borrower, Name and Version of Credit

ScoringModel:

Free Form Text field for Code 8

66 Coa_CreditModel Yes

67 Yes

68 Denial1 Reason for Denial: 1 Yes

69 Denial2 Reason for Denial: 2 Yes

Co-Applicant or Borrower, Name and Version of Credit

ScoringModel

Coa_CreditModelOther


70 DENIAL3 Reason for Denial : 3 Yes

71 DENIAL4 Reason for Denial : 4 Yes

72 DenialOther Yes

73 TotalLoanCosts Total Loan costs Yes

74 TotalPtsAndFees Total Points and Fees Yes

75 OrigFees Origination charges Yes

76 DiscountPts Discount points Yes

77 LenderCredts Lender credits Yes


78 InterestRate Interest Rate Yes

79 PPPTerm Prepayment Penalty Term Yes

80 DTIRatio Debt-to-Income Ratio Yes

81 CLTV Yes

82 Loan_Term_Months Loan Term Yes

83 IntroRatePeriod Introductory Rate period Yes

84 BalloonPMT Balloon payment Yes

85 IOPMT Interest-only payment Yes

86 NegAM Negative amortization Yes

87 NonAmortz Yes

88 PropertyValue Property Value Yes

89 MHSecPropType Yes

90 MHLandPropInt Yes91 TotalUnits Total Units Yes

92 MFAHU Multifamily Affordable Units Yes

Combined Loan-to-value Ratio

Other Non-Amoritizing Features

Manufactured Home Secured property type

Manufactured Home Land Property Interest

93 APPMethod Submission of Application Yes

94 PayableInst Yes

95 NMLSRID Yes

96 AUSystem1 Yes

97 AUSystem2 Yes

98 AUSystem3 Yes

99 AUSystem4 Yes

100 AUSystem5 Yes

101 AUSystemOther Yes

Initially Payable to Your Institution

Mortgage Loan Origination NMLSR Identifier

Automated Underwriting System : 1

Automated Underwriting System:2

Automated Underwriting System :3



Automated Underwriting System: Conditional Free

Form Text Field for Code 5

102 AUSResult1 Yes

103 AUSResult2 Yes

104 AUSResult3 Yes

Automated Underwriting System result : 1

Automated Underwriting System Result : 2


105 AUSResult4 Yes

106 AUSResult5 Yes

107 AUSResultOther Yes

108 REVMTG Reverse mortgage Yes

109 OpenLOC Open-End line of credit Yes

110 BUSCML Yes

x Loan_Term no

x Var_Term nox LenEmploy nox LenResid nox Inquiries nox Maj_Total nox Min_Total nox Colct_mt2y no


Automated Underwriting System result : 5

Automated Underwriting System Result:


Business or Commercial Purpose

x Colct_lt2y nox Bnkrp_mt2y nox Bnkrp_lt2y nox APOR no

x PercMinor no

x APR nox Raw_Rate_Spread no

x Appl_Incm_perc nox latitude nox longitude no

x PercMedian nox LoanAmount nox BuyRate nox LTV nox RateDiff1 nox RateDiff2 nox GoodCredit nox CloseCost nox OtherRate no

x Imprt_Cnty_5 No

x Imprt_Trct_11 No

x AgencyCode No

x Applnumb Nox Zip4 nox State nox MSA nox County no

x CensusTrac nox NoCoApplicant No

x no

x RateType no

x RATE_LOCK_DATE nox T_rate_used no

x Trct_incm_Catg no

RATE_SPREAD_INPUT

x Mnrty_trct no

x Appl_incm_catg nox LastName nox FirstName nox CLastName nox CFirstName nox Instit_id nox DatasetId nox RowId nox Ethnicity nox Coa_Ethnicity nox Race nox CoaRace nox APOR_Date nox Imprt_Stat nox Imprt_MSA nox Imprt_Cnty nox Imprt_Trct nox Assessment nox Recupd nox Lartype nox MmwAddress nox mmwCity nox mmwState nox mmwZip nox mmwZip4 nox StndStat nox gsMatchCode nox gsLocationCode nox gsMatchResult nox BlockGrp nox gdtMCD nox gdtPlace nox mmwStat nox centroid nox CongDist nox EditStatus nox Qualitychk nox Record_Status nox OwnResid nox LoanProg nox CalcRace nox CalcEthnicity nox CalcGender nox FLGender nox CalcAge nox CalcMarital_Status nox Minority_Status nox ULIStatus no

© 2017 Wolters Kluwer130 Turner Street800.261.3111

Building 3, 4th FloorAbout Wolters Kluwer - Wolters Kluwer provides audit, risk and compliance solutions that help financial organizations improve efficiency and effectiveness across their enterprise. Whether complying with regulatory requirements, addressing a single key risk, or working toward a holistic risk management strategy, more than 15,000 customers worldwide count on Wolters Kluwer Financial Services for a comprehensive and dynamic view of risk management and compliance. With more than 30 offices in over 20 countries, the company’s prominent brands include: FRSGlobal, ARC Logics for Financial Services, PCi, Bankers Systems, VMP® Mortgage Solutions, AppOne®, GainsKeeper®, Capital Changes, NILS, AuthenticWeb™ and Uniform Forms™. Wolters Kluwer is a leading global information services and publishing company with annual revenues of (2011) €3.4 billion ($4.7 billion) and approximately 19,000 employees worldwide. Please visit our website for more information.



Waltham, MA 02453Wolters Kluwer Financial Services

d

Wiz Grouping Information Wiz Datatype

Loan Identifier Information VarChar 2



Loan Information Application Received Date DateTime 8

Loan Information Mortgage Type Char 1

Loan Information VarChar 2

Loan Information HMDA Preapproval Type Char 1

Property Information Construction Method Type Char 1

Property Information Property Usage Type Char 1

Loan Information Decimal 9

15

HMDA DF MISMO 3.4 Field Names

Wiz Datatype Length

Wiz Datatype Precision

Loan Originator: Global Legal Entity Identifier

Loan Originator: Party Role Type

ULI: Loan IdentifierULI: Loan Identifier Type

HMDA Purpose Of Loan TypeRefinance Cash Out Determination Type

Borrower Requested Loan Amount

Note AmountHELOC Maximum Balance

AmountReverse Initial Principal Limit

AmountAssumed Loan Amount

Loan Acquisition Actual UPB Amount

Loan Information HMDA Disposition Type Char 1

Loan Information HMDA Disposition Date DateTime 8

Property Information VarChar 50

Property Information Subject Property: City Name VarChar 35

Property Information Subject Property: State Code VarChar 2

Property Information Subject Property: Postal Code VarChar 10

Property Information FIPS County Code VarChar 5


Applicant Information VarChar 2

Subject Property: Address Line Text

MSA IndicatorMetropolitan Division Indicator

Census Tract IdentifierHMDA Reporting CRA Reporting

Exemption IndicatorHMDA Reporting Small

Population Indicator

HMDA Ethnicity Type = 1. Hispanic or Latino

2. Not Hispanic or Latino

HMDA Ethnicity Origin Type=11. Mexican

12. Puerto Rican13. Cuban

14. Other H or L3. Not provided by mail, internet,

telephone4. Not Applicable








14. Other H or L

OR

Blank





14. Other H or L

OR

Blank





14. Other H or L

OR

Blank



Co Applicant Information VarChar 2






14. Other H or L

OR

Blank

HMDA Ethnicity Origin Type Other Description

HMDA Ethnicity Type=1. Hispanic or Latino

2. Not Hispanic or Latino3. Not provided by mail, internet,

telephone4. NA

5. No co-applicant



14. Other H or L





14. Other H or L

OR

Blank





Applicant Information Char 1

Co Applicant Information Char 1





14. Other H or L

OR

Blank





14. Other H or L

OR

Blank





14. Other H or L

OR

Blank

HMDA Ethnicity Origin Type Other Description

Or Blank

HMDA Ethnicity Collected Based On Visual Observation Or

Surname IndicatorOr

Blank

HMDA Ethnicity Collected Based On Visual Observation Or

Surname IndicatorOr

Blank



HMDA Race Type=1 = Amer Indian/Alaskan

2 = Asian3 = Black or African American4 = Native Hawaiian/Pacific

Islander5 = White

6 = Not Provided7 = Not Applicable

HMDA Race Designation Type=21. Asian Indian

22. Chinese23. Filipino

24. Japanese25. Korean

26. Vietnamese27. Other Asian

41. Native Hawaiian42. Guamanian/Chamorro

43. Samoan44. Other Pacific IslanderHMDA Race Type=1 = Amer Indian/Alaskan


Islander5 = White






43. Samoan44. Other Pacific Islander

OR

Blank





Islander5 = White







OR

BlankHMDA Race Type=

1 = Amer Indian/Alaskan2 = Asian

3 = Black or African American4 = Native Hawaiian/Pacific

Islander5 = White







OR

Blank








Islander5 = White







OR

Blank

HMDA Race Type Additional Description

HMDA Race Designation Type Other Description




Islander5 = White

6. Information not provided by applicant in mail, internet, or

telephone application7. Not applicable

8. No co-applicant











Islander5 = White







OR




Islander5 = White







OR

Blank








Islander5 = White







OR




Islander5 = White







OR

Blank






Applicant Information Gender Type Char 1

Co Applicant Information Gender Type Char 1



Applicant Information Decimal 5

4

Co Applicant Information Decimal 5

4

Underwriting Information Decimal 9

15


HMDA Race Collected Based On Visual Observation Or Surname

Indicator

HMDA Race Collected Based On Visual Observation Or Surname

Indicator

HMDA Gender Collected Based On Visual Observation Or Name

Indicator

HMDA Gender Collected Based On Visual Observation Or Name

Indicator

Borrower Age At Application Years Count

Borrower Age At Application Years Count

Borrower Level: Borrower Qualifying Income AmountLoan Level: Total Monthly

Income Amount Income Considered In Decision

Indicator

Assumed Indicator

Pricing Information HMDA Rate Spread Percent Decimal 5

5

Loan Information Char 1



4


4

Underwriting Information Char 1

Underwriting Information VarChar 100

HMDA HOEPA Loan Status Indicator

Lien Priority TypeLoan Secured Indicator

Borrower Level: Credit Score Value

Loan Level: Loan Level Credit Score Value

HMDA Multiple Credit Scores Used Indicator

Credit Score Considered In Decision Indicator

Borrower Level: Credit Score Value

Loan Level: Loan Level Credit Score Value



Borrower Level: Credit Score Model Name Type

Borrower Level: Credit Score Category Version Type

Loan Level: Credit Score Model Name Type

Loan Level: Credit Score Category Version Type



Loan Level Credit Score Indicator

Borrower Level: Credit Score Model Name Type Other

Description

Loan Level: Credit Score Model Name Type Other Description



Loan Information HMDA Reason For Denial Type VarChar 2

Loan Information HMDA Reason For Denial Type Char 1

Borrower Level: Credit Score Model Name Type

Borrower Level: Credit Score Category Version Type

Loan Level: Credit Score Model Name Type

Loan Level: Credit Score Category Version Type



Loan Level Credit Score Indicator

Borrower Level: Credit Score Model Name Type Other

Description Loan Level: Credit Score Model Name Type Other Description




Pricing Information Decimal 9

15


15


15


15


15

HMDA Reason For Denial Type Other Description

Total Loan Costs: Integrated Disclosure Section Type

Total Loan Costs: Integrated Disclosure Section Total Amount

Regulation Z Total Points And Fees Amount

Origination Charges: Integrated Disclosure Section Type

Origination Charges: Integrated Disclosure Section Total Amount

Discount Points: Fee TypeDiscount Points: Fee Actual Total

Amount

Lender Credits: Integrated Disclosure Subsection TypeLender Credits: Integrated

Disclosure Subsection Payment Amount


5


4


9


9


4


4

Loan Information Balloon Indicator Char 1

Loan Information Interest Only Indicator Char 1

Loan Information Negative Amortization Indicator Char 1


Property Information Property Valuation Amount Int 10

Property Information Char 1

Property Information Char 1Property Information Financed Unit Count Decimal 5 4

Property Information Affordable Units Count Decimal 5

4

Note Rate PercentDisclosed Fully Indexed Rate

Percent

Prepayment Penalty Expiration Months Count

Prepayment Penalty Indicator

Total Debt Expense Ratio Considered In Decision Indicator

Combined LTV Ratio PercentCombined LTV Ratio Considered

In Decision Indicator

Loan Maturity Period CountLoan Maturity Period Type

First Rate Change Months CountAmortization Type

HMDA Other Non Amortizing Features Indicator

HMDA Manufactured Home Legal Classification Type

Property Estate TypeProperty Estate Type Other

Description










HMDA Application SubmissionType

HMDA Covered Loan Initially Payable To Reporting Institution

Status Type

NMLS: Identifier Owner URIMMLS: Party Role Type

Automated Underwriting System Type





Automated Underwriting System Type Other Description




Automated Underwriting Recommendation Description






Loan Information Reverse Mortgage Indicator Char 1

Loan Information Open End Credit Indicator Char 1




Other Information Decimal 5 4Other Information Decimal 5 4Other Information Decimal 5 4Other Information Decimal 5 4Other Information Decimal 5 4Other Information Decimal 5 4



Loan Manual Underwriting Indicator

HMDA Business Purpose Indicator

Other Information Decimal 5 4Other Information Decimal 5 4Other Information Decimal 5 4Pricing Information Decimal 5 5



9

Pricing Information Decimal 5 9

Other Information Decimal 59

Geocoding Information Decimal 5 9Geocoding Information Decimal 5 9


11

Loan Information Decimal 9 15Other Information Decimal 9 15Other Information Decimal 9 15Other Information Decimal 9 15Other Information Decimal 9 15Other Information Decimal 9 15Other Information Decimal 9 15Other Information Decimal 9 15



Other Information Char 1

Loan Identifier Information VarChar 25Property Information VarChar 4Property Information VarChar 2Property Information VarChar 5Property Information VarChar 3

Property Information VarChar 7Applicant Information Boolean 1

Pricing Information Boolean 1

Pricing Information Char 1

Pricing Information DateTime 8Pricing Information Int 10



Other Information Char 1Applicant Information Varchar 20Applicant Information VarChar 20

Co Applicant Information Varchar 20Co Applicant Information Varchar 20

Other Information VarChar 10Loan Identifier Information Int 10Loan Identifier Information Int 10

Applicant Information VarChar 2Co Applicant Information VarChar 2

Applicant Information VarChar 2Co Applicant Information VarChar 2

Pricing Information Date 10Geocoding Information VarChar 2Geocoding Information VarChar 5Geocoding Information VarChar 3Geocoding Information VarChar 7

Other Information VarChar 5Other Information Char 1Other Information Char 1

Geocoding Information VarChar 50Geocoding Information VarChar 35Geocoding Information VarChar 2Geocoding Information VarChar 5Geocoding Information VarChar 4Geocoding Information VarChar 4Geocoding Information VarChar 4Geocoding Information VarChar 4Geocoding Information Char 1Geocoding Information VarChar 4Geocoding Information VarChar 5Geocoding Information VarChar 5Geocoding Information VarChar 2Geocoding Information Char 1Geocoding Information Char 2

Edit Checks VarChar 255Edit Checks VarChar 255

Other Information Int 10Other Information Char 1Other Information VarChar 10

Applicant Information VarChar 2Applicant Information VarChar 2Applicant Information Char 1Applicant Information Char 1Applicant Information Char 1Applicant Information Char 1Applicant Information Char 1

Loan Identifier Information Char 1

- Wolters Kluwer provides audit, risk and compliance solutions that help financial organizations improve efficiency and effectiveness across their enterprise. Whether complying with regulatory requirements, addressing a single key risk, or working toward a holistic risk management strategy, more than 15,000 customers worldwide count on Wolters Kluwer Financial Services for a comprehensive and dynamic view of risk management and compliance. With more than 30 offices in over 20 countries, the company’s prominent brands include: FRSGlobal, ARC Logics for Financial Services, PCi, Bankers Systems, VMP® Mortgage Solutions, AppOne®, GainsKeeper®, Capital Changes, NILS, AuthenticWeb™ and Uniform Forms™. Wolters Kluwer is a leading global information services and publishing company with annual revenues of (2011) €3.4 billion ($4.7 billion) and approximately 19,000 employees worldwide. Please visit our website for more information.

2

12121212121212100000

Values are 1,2,3, or 4:

Values are 1,2, 4, 31 ,32, or 5

Values are 1,2

Values are 1 or 2:

Values are 1,2, or 3:

2

Wiz Datatype Scale

Acceptable Values Codes/Examples

FI LEI (published by ISO) + 23 characters (letters, #, or combination) generated by FI + 2 digit check digit calculated off of the previous values

Wiz requires the date formats to be in mm/dd/yyyy format. Upon the creation of the submission file Wiz will convert the dates to the requred yyyy/mm/dd format.

Example: If the loan amount is $100,500.25 enter 100500.25

Values are 1,2,3,4,5,6,7, or 8:

City (anytown)

CA (any state)

12345-1010


Address (456 somewhere ave, ste 201)

FIPS Code for example 06037 or NA.**This field will automatically calculate in Wiz based on the data in the State and County fields.

06037264000 for example OR NA value is also accepted. **This field will automatically calculate in Wiz based on the data in the State, County, and Censustrac.

Values are 1, 11, 12, 13,14234

Values are 1, 11, 12, 13,142 or Blank

Values are 1, 11, 12, 13,142or Blank



Free form textOrBlank

Values are1, 11, 12, 13, 142345

Values are1, 11, 12, 13, 142 or Blank

Text or Blank

Values are 1, 2, 3

Values are 1, 2, 3, 4


Values are1, 11, 12, 13, 142


Values are 1,2,3,4,5,6,7,21, 22,23,24,25,26,27,41,42,43,44

Values are 1,2,3,4,5,21, 22,23,24,25,26,27,41,42,43,44 or Blank


Values are 1,2,3,4,5,21, 22,23,24,25,26,27,41,42,43,44 Or Blank

Text or Blank

Text or Blank

Text or Blank


Values are 1,2,3,4,5,6,7,8,21, 22,23,24,25,26,27,41,42,43,44 or Blank



Text or Blank

Text or Blank

Text or Blank



Values are 1, 2, 3

Values are 1, 2, 3,4

Values are 1,2,3,4 or 6

Values are 1,2,3,4, 5, or 6

Values are 1, 2, 3

Values are 1, 2, 3,4

0 In whole years or 8888

0

3

In whole yearsor 88889999

HMDA regulations require that Income data is rounded to 000s without commas or NA.

Values are 0,1,2,3,4,5,6,71,72, 7, 8,or 9

3 Including three decimal places

Values are 1, 2, 3

Values are 1,2

0

0

Values are 1,2,3,4,5,6,7,8,9

Value – 3 digits7777or8888

Value – 3 digits7777or8888or9999

Free Form Text orBlank

Values are 1,2,3,4,5,6,7,8,9,or 10


Values are 1,2,3,4,5,6,7,8,9, or 10

Values are 1,2,3,4,5,6,7,8,9 or Blank

3

3

3

3

3




Example 2399.04OR NA



Example 2399.04orNAor Blank


3

0

2

2

0

0 Example: 24 or NA

Values are: 1,2

Values are 1,2

Values are 1,2

Values are 1,2

Values are 1,2,3

Values are 1,2,3,4,5

0 Example: 50 Example 5, 0, NA

3 decimal places, use a leading zero if the interest rate is under 10% (04.125); rounded to three decimal places OrNA

Example: 24 monthsOrNA

Example: 23.55OR NA

Example: 23.55OR NA

In whole months or NA

Example 350500ORNA

Values are 1,2,3

Values are 1,2,3

Values are 1,2,3,4,5,6

Example: 123450ORNA

Values are 1,2,3,4,5Or Blank





Values are 1-17

Values are 1-16OR Blank

Values are 1-16ORBlank

Values are 1,2

Values are 1,2

Values are 1,2

0 Values are 1-50

0 Values are 1-50

000000

Values are 1-16OR Blank

Values are 1-16ORBlank

Free Form Text for 16 OR Blank

00034

3 Including three decimal places

3 Result from Calculation2

664

33333333

Agency Code

[1-9 or A-Z] Character 23

1234NA, 01-9999999, NA, or 12345NA, 001-999

0 or 1 (1 being true)

Values are 1,2

Values are 01/01/2018

Treasury Rate Used

Tract Minority Level (Custom Range)

Income as % of MSA Median (Custom Range)

Tract Incm Level as % of MSA Median (Custom Range)

Imported County 5 Characters FIPsImported Census Tract 11 Character FIPs

Include decimals point and leading/trailing zero

Values are 1 or 0 (True or False):

Tract Income Level as % of MSA Median

Tract Minority LevelIncome as % of MSA Median

Applicant Last NameApplicant First NameCo Applicant Last NameCo Applicant First NameInstitution Id


Acceptable Values with Codes/Description

110500.25

Distinguishes this set of data as record level data vs. the 1 used above to identify transmittal dataLEI assigned to filing institution Listings of local (United States) providers of LEI here: https://www.leiroc.org/lei/how.htm Example: 12121212121212121212

LEI (published by ISO) + 23 characters (letters, #, or combination) generated + 2 digit check digit calculated off of the previous values

Example:121212121212121212121234567890123456789012399

Wiz requires the date formats to be in mm/dd/yyyy format or NA. Upon the creation of the submission file Wiz will convert the dates to the requred yyyy/mm/dd format. Example: If the application was received on July 21, 2018, enter 07212018 (or) NA.

Values are 1, 2, 3 or 4: 1 =Conventional 2 = FHA 3 = VA 4 = FSA / RHS

1 = Home Purchase2 = Home Improvement31 = Refinancing32 = Cash-out Refinancing4 = Other5 = Not Applicable

1= Preapproval Requested2= Preapproval Not Requested1 = Site built2 = Manufactured home1 = Principal residence2 = Second residence3 = Investment property

1 = Originated2 = Approved not Accepted3 = Application Denied4 = Application withdrawn by applicant 5 = File closed for incompleteness6 = Purchased Loan7 = Preapproval Request Denied8 = Preapproval request approved but not accepted


456 W Somewhere Ave Apt 201 Anytown ST 12345-1010OR NA

Any City NameOR NA

Two letter State Abbrev.ORNA

12345-1010(Example of zip)OR NA

06037 ( Example of FIPS Code)Or NA

Census tract values combined with County Value ORNA

1 = Hispanic or Latino11 = Mexican12 = Puerto Rican13 = Cuban14 =Other Hispanic or Latino 2 = Not Hispanic or Latino3 = Not provided by mail, internet, telephone4 = Not Applicable

1 = Hispanic or Latino11 = Mexican12 = Puerto Rican13 = Cuban14 = Other Hispanic or Latino 2 = Not Hispanic or Latinoor Blank


1 = Hispanic or Latino11 = Mexican12 = Puerto Rican13 = Cuban14 = Other Hispanic or Latino 2 = Not Hispanic or LatinoorBlank

1 = Hispanic or Latino11 = Mexican12 = Puerto Rican13 = Cuban14 = Other Hispanic or Latino 2 = Not Hispanic or LatinoORBlank


1 = Hispanic or Latino11 = Mexican12 = Puerto Rican13 = Cuban14 = Other Hispanic or Latino 2 = Not Hispanic or Latino3 = Not provided by mail, internet, telephone4 = NA5 = No co-applicant

1 = Hispanic or Latino11 = Mexican12 = Puerto Rican13 = Cuban14 = Other Hispanic or Latino 2 = Not Hispanic or LatinoOr Blank


1 = Hispanic or Latino11 = Mexican12 = Puerto Rican13 = Cuban14 = Other Hispanic or Latino 2 = Not Hispanic or Latino

1 = Hispanic or Latino11 = Mexican12 = Puerto Rican13 = Cuban14 = Other Hispanic or Latino 2 = Not Hispanic or LatinoorBlank

Free form text OrBlank

1 = collected on basis of visual observation or surname2 = not collected on basis of visual observation or surname3 = NA

1 = collected on basis of visual observation or surname2 = not collected on basis of visual observation or surname3 = Not applicable4 = No co-applicant

1 = American Indian or Alaska Native 2 = Asian21 = Asian Indian22 = Chinese23 = Filipino24 = Japanese25 = Korean26 = Vietnamese27 = Other Asian3 = Black or African American4 = Native Hawaiian/Pacific Islander41 = Native Hawaiian42 = Guamanian/Chamorro43 = Samoan44 = Other Pacific Islander5 = White6 = Not Provided7 = Not Applicable

1 = American Indian or Alaska Native 2 = Asian21 = Asian Indian22 = Chinese23 = Filipino24 = Japanese25 = Korean26 = Vietnamese27 = Other Asian3 = Black or African American4 = Native Hawaiian/Pacific Islander41 = Native Hawaiian42 = Guamanian/Chamorro43 = Samoan44 = Other Pacific Islander5 = Whiteor Blank

1 = American Indian or Alaska Native 2 = Asian21 = Asian Indian22 = Chinese23 = Filipino24 = Japanese25 = Korean26 = Vietnamese27 = Other Asian3 = Black or African American4 = Native Hawaiian/Pacific Islander41 = Native Hawaiian42 = Guamanian/Chamorro43 = Samoan44 = Other Pacific Islander5 = WhiteorBlank



Free Form Text Or Blank



1 = American Indian or Alaska Native 2 = Asian21 = Asian Indian22 = Chinese23 = Filipino24 = Japanese25 = Korean26 = Vietnamese27 = Other Asian3 = Black or African American4 = Native Hawaiian/Pacific Islander41 = Native Hawaiian42 = Guamanian/Chamorro43 = Samoan44 = Other Pacific Islander5 = White6 = Information not provided by applicant in mail, internet, or telephone application7 = Not applicable8 = No co-applicant

1 = American Indian or Alaska Native 2 = Asian21 = Asian Indian22 = Chinese23 = Filipino24 = Japanese25 = Korean26 = Vietnamese27 = Other Asian3 = Black or African American4 = Native Hawaiian/Pacific Islander41 = Native Hawaiian42 = Guamanian/Chamorro43 = Samoan44 = Other Pacific Islander5 = WhiteOrBlank







1 = collected on basis of visual observation or surname2 = not collected on basis of visual observation or surname3 = Not Applicable

1 = collected on basis of visual observation or surname2 = not collected on basis of visual observation or surname3 = Not Applicable4 = No co-applicant

1 = Male2 = Female3 = Information not provided by applicant in mail, internet, or telephone application4 = Not Applicable6= Applicant selected both male and female

1 = Male2 = Female3 = Information not provided by applicant in mail, internet, or telephone application4 = Not Applicable5 = No Co-applicant6= Co-Applicant selected both male and female

1 = collected on basis of visual observation or surname2 = not collected on basis of visual observation or surname3 = Not Applicable

1 = collected on basis of visual observation or surname2 = not collected on basis of visual observation or surname3 = Not applicable4 = No Co-Applicant

number whole number value such as 24Or8888 = Not Applicable

number whole number value such as 24Or8888 = Not Applicable9999 = No co-applicant

If the income amount is $35,500, enter 36OR NA

0. Not applicable1. Fannie Mae 2. Ginnie Mae 3. Freddie Mac 4. Farmer Mac 5. Private securitizer 6. Commercial bank, savings bank, or savings association 71. Credit union, mortgage company, or finance company 72. Life insurance company 8. Affiliate institution 9. Other type of purchaser

Example: 3.295ORNA

1 = High-cost mortgage2 = Not a high cost mortgage3 = Not Applicable

1 = Secured by a First Lien2 = Secured by a Subordinate Lien

Value – 3 digits7777 = Credit Score is not a number8888 = NA

Value – 3 digits7777 = Credit score is not a number8888 = NA9999 = No Co-Applicant

1 = Equifax Beacon 5.02 = Experian Fair Isaac3 = FICO Risk Score Classic 044 = FICO Risk Score Classic 985 = VantageScore 2.06 = VantageScore 3.07 = More than one credit scoring model8 = Other credit scoring model 9 = Not applicable


1 = Equifax Beacon 5.02 = Experian Fair Isaac3 = FICO Risk Score Classic 044 = FICO Risk Score Classic 985 = VantageScore 2.06 = VantageScore 3.07 = More than one credit scoring model8 = Other credit scoring model 9 = Not applicable10 = No Co-applicant


1 = Debt-to-Income2 = Employment History3 = Credit History4 = Collateral5 = Insufficient Cash6 = Unverified Info7 = Credit Application Incomplete8 = Mortgage Insurance Denied9 = Other (enter reason in text field)10 = Not applicable

1 = Debt-to-Income2 = Employment History3 = Credit History4 = Collateral5 = Insufficient Cash6 = Unverified Info7 = Credit Application Incomplete8 = Mortgage Insurance Denied9 = Other (enter reason in text field)ORBlank









Example: 5

3 decimal places, use a leading zero if the interest rate is under 10% (04.125); rounded to three decimal placesORNA

Months in number ORNA

Example: 23.55OR NA

Example: 23.55OR NA

Term in months 360OR NA

Period in monthsORNA

1 = Balloon payment2 = No balloon payment

1. Interest-only payments 2. No interest-only payment

1. Negative amortization 2. No negative amortization1 = Other non-fully amortizing features2 = No other non-fully amortizing featuresExample 350500ORNA

1. Manufactured home and land 2. Manufactured home and not land 3. Not applicable

1 = Direct ownership2 = Indirect ownership3 = Paid leasehold4 = Unpaid leasehold5 = Not applicable

Example: If there are five (5) multifamily affordable units, enter 5.a. Enter “0” for a covered loan or application related to a multifamily dwelling that does not contain any such income-restricted individual dwelling units.b. Enter “NA” if the requirement to report multifamily affordable units does not apply to the covered loan or application that your institution is reporting.

1 = Submitted directly to your institution2 = Not submitted directly to your institution3 = Not appliable

1 = Initially payable to your institution2 = Not initially payable to your institution3 = Not applicable

Example: 123450ORNA

1 = Desktop Underwriter2 = Loan Prospector3 = Technology Open to Approved Lenders (TOTAL) Scorecard4 = Guaranteed Underwriting System (GUS)5 = Other6 = Not Applicable

1 = Desktop Underwriter2 = Loan Prospector3 = Technology Open to Approved Lenders (TOTAL) Scorecard4 = Guaranteed Underwriting System (GUS)5 = OtherORBlank





1 = Approve/Eligible2 = Approve/Ineligible3 = Refer/Eligible4 = Refer/Ineligible5 = Refer with Caution6 = Out of scope7 = Error8 = Accept9 = Caution10 = Ineligible11 = Incomplete12 = Invalid13 = Refer14 = Eligible15 = Unable to Determine16 = Other17 = Not Applicable

1 = Approve/Eligible2 = Approve/Ineligible3 = Refer/Eligible4 = Refer/Ineligible5 = Refer with Caution6 = Out of scope7 = Error8 = Accept9 = Caution10 = Ineligible11 = Incomplete12 = Invalid13 = Refer14 = Eligible15 = Unable to Determine16 = OtherORBlank


In whole years. If provided in decimals, it will round up or down to an integer.

In whole years. If provided in decimals, it will round up or down to an integer.



Free Form Text for 16 OR Blank

1. Reverse mortgage 2. Not a reverse mortgage1 = Open-end LOC2 = Not an open-end LOC1 = Primarily for business/commercial purpose2 = Not primarily for business/commercial purpose

Tract Minority Level (Custom Range)

Produces the raw value calculatedIncome as % of MSA Median (Custom Range)

Tract Incm Level as % of MSA Median (Custom Range)

Imported County 5 Characters FIPs

Imported Census Tract 11 Character FIPs

1234 (Numbers Only)NA, 01-9999999, NA, or 12345NA, 001-9990000.00 - 9999.99

0 or 1 (1 being true) example 1 = No Co-Applicant

Can handle multiple data formats, but MM/DD/YYYY is ideal

Treasury Rate UsedTract Income Level as % of MSA Median

HMDA regulations Required that APR data is expressed in percent (without the % sign), and truncated to the hundredths. Additional space is provided for clients who wish to perform additional analysis on this data.

1 = Office of Comptroller of the Currency (OCC)2 = Federal Reserve System (FRS)3 = Federal Deposit Insurance Corporation (FDIC)5 = National Credit Union Association (NCUA)7 = United States Department of Housing and Urban Development (HUD)9 = Consumer Financial Protection Bureau (CFPB)

Pass Loan Number or Application Number used in ULI.Enter up to 23 Characters only 123456789asdfghjklqwer

Values are blank / '0' ) or 1: Blank or '0' = Rate Spread will be automatically calculated by the application 1 = Manual input of Rate Spread provided during import

Values are 1 or 2: 1 = Fixed Rate Loan 2 = Variable Rate Loan

Tract Minority LevelIncome as % of MSA Median

Applicant Last NameApplicant First NameCo Applicant Last NameCo Applicant First NameInstitution Id









Documents

HMDA DF File Structure... · XLS file · Web view2017-12-14 · Wiz Data Type Wiz Grouping Information HMDA regulations Required that APR data is expressed in percent ... • Field