Appendix A to Part 955 - Reporting Requirements for Single-Family Acquired Member Assets That Are Residential Mortgages: Loan-Level Data Elements

1. Bank District Flag—Two-digit numeric code designating the District Bank that originally acquired the loan.

2. Participating Bank District Flag—Two-digit numeric code designating the District Bank that purchased a participation in the loan.

3. Loan Number—Unique numeric identifier used by the Banks for each mortgage acquisition.

4. US Postal State—Two-digit numeric Federal Information Processing Standard (FIPS) code.

5. US Postal Zip Code—Five-digit zip code for the property.

6. MSA Code—Four-digit numeric code for the property's metropolitan statistical area (MSA) if the property is located in an MSA.

7. Place Code—Five-digit numeric FIPS code.

8. County—County, as designated in the most recent decennial census by the Bureau of the Census.

9. Census Tract/Block Numbering Area (BNA)—Tract/BNA number as used in the most recent decennial census by the Bureau of the Census.

10. Census Tract-Percent Minority—Percentage of a census tract's population that is minority based on the most recent decennial census by the Bureau of the Census.

11. Census Tract-Median Income—Median family income for the census tract based on the most recent decennial census.

12. Local Area Median Income—Median income for the area based on the most recent decennial census.

13. Tract Income Ratio—Ratio of the census tract median income based on the most recent decennial census to that year's local area median income (i.e., loan-level data element number 11 divided by loan-level data element number 12).

14. Borrower(s) Annual Income—Combined income of all borrowers.

15. Area Median Family Income—Current median family income for a family of four for the area as established by HUD.

16. Borrower Income Ratio—Ratio of Borrower(s) annual income to area median family income.

17. Acquisition Unpaid Principal Balance (UPB)—UPB in whole dollars of the mortgage when acquired by the Bank.

18. Loan-to-Value (LTV) Ratio at Origination—LTV ratio of the mortgage at the time of origination.

19. Participation Percentage—Where the mortgage acquisition is a participation, the percentage of the mortgage for each Bank listed in loan-level data element number 2.

20. Date of Mortgage Note—Date the mortgage note was created.

21. Date of Acquisition—Date the Bank acquired the mortgage.

22. Purpose of Loan—Indicates whether the mortgage was a purchase money mortgage, a refinancing, a construction mortgage, or a financing of property rehabilitation.

23. Cooperative Unit Mortgage—Indicates whether the mortgage is on a dwelling unit in a cooperative housing building.

24. Product Type—Indicates the product type of the mortgage (i.e., fixed rate, adjustable rate mortgage (ARM), balloon, graduated payment mortgage (GPM) or growing equity mortgages (GEM), reverse annuity mortgage, or other).

25. Federal Guarantee—Numeric code that indicates whether the mortgage has a Federal guarantee, and from which agency.

26. Term of Mortgage at Origination—Term of the mortgage at the time of origination in months.

27. Amortization Term—For amortizing mortgages, the amortization term of the mortgage in months.

28. Acquiring Lender Institution—Name of the institution from which the Bank acquired the mortgage.

29. Acquiring Lender City—City location of the institution from which the Bank acquired the mortgage.

30. Acquiring Lender State—State location of the institution from which the Bank acquired the mortgage.

31. Type of Acquiring Lender Institution—Type of institution that the Bank acquired the mortgage from (i.e., mortgage company, Savings Association Insurance Fund (SAIF) insured depositary institution, Bank Insurance Fund (BIF) insured depositary institution, National Credit Union Association (NCUA) insured credit union, or other seller).

32. Number of Borrowers—Number of borrowers.

33. First-Time Home Buyer—Numeric code indicating whether the mortgagor(s) are first-time homebuyers (second mortgages and refinancings are not treated as first-time homebuyers).

34. Mortgage Purchased under the Banks' Community Investment Cash Advances (CICA) Programs—Indicates whether the mortgage is on a project funded under an AHP, CIP or other CICA program.

35. Acquisition Type—Indicates whether the Bank acquired the mortgage with cash, by swap, with a credit enhancement, a bond or debt purchase, reinsurance, risk-sharing, real estate investment trust (REIT), or a real estate mortgage investment conduit (REMIC), or other.

36. Bank Real Estate Owned—Indicates whether the mortgage is on a property that was in the Bank's real estate owned (REO) inventory.

37. Borrower Race or National Origin—Numeric code indicating the race or national origin of the borrower.

38. Co-Borrower Race or National Origin—Numeric code indicating the race or national origin of the co-borrower.

39. Borrower Gender—Numeric code that indicates whether the borrower is male or female.

40. Co-Borrower Gender—Numeric code that indicates whether the co-borrower is male or female.

41. Age of Borrower—Age of borrower in years.

42. Age of Co-Borrower—Age of co-borrower in years.

43. Occupancy Code—Indicates whether the mortgaged property is an owner-occupied principal residence, a second home, or a rental investment property.

44. Number of Units—Indicates the number of units in the mortgaged property.

45. Unit—Number of Bedrooms—Where the property contains non-owner-occupied dwelling units, the number of bedrooms in each of those units.

46. Unit—Affordable Category—Where the property contains non-owner-occupied dwelling units, indicates under which, if any, of the special affordable goals the units qualified.

47. Unit—Reported Rent Level—Where the property contains non-owner-occupied dwelling units, the rent level for each unit in whole dollars.

48. Unit—Reported Rent Plus Utilities—Where the property contains non-owner-occupied dwelling units, the rent level plus the utility cost for each unit in whole dollars.

49. Unit—Owner Occupied—Indicates whether each of the units are owner-occupied.

50. Geographically Targeted Indicator—Numeric code that indicates loans made in census tracts classified as underserved by HUD.

51. Interest Rate—Note rate on the loan.

52. Loan Amount—Loan balance at origination.

53. Front-end Ratio—Ratio of principal, interest, taxes, and insurance to borrower(s) income.

54. Back-end Ratio—Ratio of all debt payments to borrower(s) income.

55. Borrower FICO Score—Fair, Isaacs, Co. credit score of borrower.

56. Co-Borrower FICO Score—Fair, Isaacs, Co. credit score of co-borrower.

57. PMI Percent—Percent of original loan balance covered by private mortgage insurance.

58. Credit Enhancement—Numeric code indicating type of credit enhancement.

59. Self-Employed Indicator—Numeric indicator for whether the borrower is self-employed.

60. Property Type—Numeric indicator for whether the property is single-family detached, condominium, townhouse, PUD, etc.

61. Default Status—Numeric indicator for whether the loan is currently in default.

62. Termination Date—Date on which the loan terminated.

63. Termination Type—Numeric indicator for whether the loan terminated in a prepayment, foreclosure, or other types of termination.

64. ARM Index—Index used for the calculation of interest on an ARM.

65. ARM margin—Margin added to the index for calculation of the interest on an ARM.

66. Prepayment Penalty Terms—Numeric indicator for types of prepayment penalties.