Appendix B to Part 955 - Reporting Requirements for Multi-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. Area Median Family Income—Current median family income for a family of four for the area as established by HUD.

15. Affordability Category—Indicates under which, if any, of the special affordable goals mandated by HUD for Fannie Mae and Freddie Mac, the property would qualify.

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

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

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

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

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

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

22. Cooperative Project Loan—Indicates whether the mortgage is a project loan on a cooperative housing building.

23. Mortgagor Type—Indicates the type of mortgagor (i.e., an individual, a for-profit entity such as a corporation or partnership, a nonprofit entity such as a corporation or partnership, a public entity, or other type of entity).

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. Construction Loan—Indicates whether the mortgage is for a construction loan.

26. Government Insurance—Indicates whether any part of the mortgage has government insurance.

27. FHA Risk Share Percent—The percentage of the risk assumed for the mortgage purchased under a risk-sharing arrangement with FHA.

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

29. Acquisition Type—Indicates whether the FHLBank 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.

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

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

32. Acquiring Lender Institution—Name of the entity from which the Bank acquired the mortgage.

33. Acquiring Lender City—City location of the entity from which the Bank acquired the mortgage.

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

35. 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).

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

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

39. Public Subsidy Program—Indicates whether the mortgage property is involved in a public subsidy program and which level(s) of government are involved in the subsidy program (i.e., Federal government only, other only, Federal government, etc.).

40. Unit Class Level—The following data apply to unit types in a particular mortgaged property. The unit types are defined by the Banks for each property and are differentiated based on the number of bedrooms in the units and on the average contract rent for the units. A unit type must be included for each bedroom size category in the property;

A. Unit Type XX-Number of Bedroom(s)—the number of bedrooms in the unit type;

B. Unit Type XX-Number of Units—the number of units in the property within the unit type;

C. Unite Type XX-Average Reported Rent Level—the average rent level for the unit type in whole dollars; and

D. Unit Type XX-Average Reported Rent Plus Utilities—the average reported rent level plus the utility cost for each unit in whole dollars; and

E. Unit Type XX-Affordability Level—the ratio of the average reported rent plus utilities for the unit type to the adjusted area median income;

F. Unit Type XX-Tenant Income Indicator—indicates whether the tenant's income is less than 60 percent of area median income, greater than or equal to 60 percent but less than 80 percent of area median income, greater than or equal to 80 percent but less than 100 percent of area median income, or greater than or equal to 100 percent of area median income.

41. Interest Rate—Note rate on the loan.

42. Debt Service Coverage Ratio—Ratio of net operating income to debt service.

43. Total Number of Units—Indicates the number of dwelling units in the mortgaged property.

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

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

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

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

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

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