Home Mortgage Disclosure Attributes

Snowflake table name : CYBERSYN.HOME_MORTGAGE_DISCLOSURE_ATTRIBUTES

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Name	Description	Type	Example
YEAR	Year of mortgage application	VARCHAR	2020
LEGAL_ENTITY_IDENTIFIER	Legal entity identifier of the institution receiving the mortgage application	VARCHAR	549300BX448ALT10FI43
FINANCIAL_INSTITUTION_NAME	Name of the financial institution receiving the mortgage application	VARCHAR	AMERISAVE MORTGAGE CORPORATION
CENSUSTRACT_GEO_ID	A unique identifier of the Census Tract where the property is located. Joinable to the GEOGRAPHY_INDEX table	VARCHAR	geoId/17031839900
COUNTY_GEO_ID	A unique identifier of the county where the property is located. Joinable to the GEOGRAPHY_INDEX table	VARCHAR	geoId/39165
COUNTY_NAME	Name of the county where the property is located	VARCHAR	Lehigh County
MSA_GEO_ID	A unique identifier of the core based statistical area or metropolitan division where the property is located. Joinable to the GEOGRAPHY_INDEX table	VARCHAR	geoId/M16984
MSA_NAME	Name of the core based statistical area or metropolitan division where the property is located.	VARCHAR	Baltimore-Columbia-Towson, MD Metro Area
STATE_GEO_ID	A unique identifier of the state where the property is located. Joinable to the GEOGRAPHY_INDEX table	VARCHAR	geoId/17
STATE_NAME	Name of the state where the property is located	VARCHAR	Illinois
ACTION_TAKEN	Final application decision (e.g., Loan originated, Application denied, etc.)	VARCHAR	Application denied
PRIMARY_DENIAL_REASON	Principal reason for the denial of a mortgage	VARCHAR	N/A
ALL_DENIAL_REASONS	Full array of all reasons for the denial of a mortgage	ARRAY	[ "N/A" ]
PURCHASER_TYPE	Type of entity purchasing a loan from the institution (e.g., Fannie Mae, Freddie Mac, etc.)	VARCHAR	N/A
LOAN_PURPOSE	Purpose for of loan (e.g., Home purchase, Refinancing, etc.)	VARCHAR	Home purchase
FOR_BUSINESS_OR_COMMERCIAL_PURPOSE	If the application is primarily for a business or commercial purpose	VARCHAR	Not primarily for a business or commercial purpose
LOAN_TYPE	Type of loan (Conventional, FHA, VA, RHS, or FSA)	VARCHAR	Conventional
PREAPPROVAL	If the application involved a request for a pre-approval of a home purchase loan	VARCHAR	Preapproval not requested
LOAN_AMOUNT	Amount of the loan or amount applied for	NUMBER	53000
LOAN_TERM	Number of months after which the legal obligation will mature or terminate	NUMBER	360
INTEREST_RATE	Interest rate of the loan	FLOAT	0.04
INTEREST_RATE_DISCOUNT_POINTS_PAID	Points paid to the creditor to reduce the interest rate (in USD)	NUMBER	496
RATE_SPREAD	Difference between APR & APOR for a comparable transaction as of the date the rate is set	FLOAT	0.0064800000000000005
INTRO_RATE_PERIOD	Number of months until the first date the interest rate may change after closing or account opening	NUMBER	1
INTEREST_ONLY_PAYMENT	If the contractual terms include interest-only payments	VARCHAR	No interest-only payments
APPLICANT_INCOME	Gross annual income relied on in making the credit decision (in USD)	NUMBER	562000
DEBT_TO_INCOME_RATIO	Ratio of the applicant's total monthly debt to the total monthly income	VARCHAR	45%
PROPERTY_VALUE	Value of the property securing the loan	NUMBER	245000
COMBINED_LOAN_TO_VALUE_RATIO	Ratio of the total amount of debt secured by the property to the value of the property	NUMBER	62
LIEN_STATUS	Lien status of the property securing the loan	VARCHAR	Secured by a first lien
LENDER_CREDITS	Amount of lender credits (in USD)	NUMBER	2438
TOTAL_POINTS_AND_FEES	Total points and fees charged in connection with the loan (in USD)	NUMBER	499
ORIGINATION_CHARGES	Total of all itemized amounts that are designated borrower-paid at or before closing (in USD)	NUMBER	700
TOTAL_LOAN_COSTS	Amount of total loan costs in USD	NUMBER	4603
PREPAYMENT_PENALTY_TERM	Term of any prepayment penalty in months	NUMBER	36
NEGATIVE_AMORTIZATION	If the contractual terms include a term that would cause the loan to be a negative amortization loan	VARCHAR	No negative amortization
BALLOON_PAYMENT	If the contractual terms include a balloon payment	VARCHAR	No balloon payment
REVERSE_MORTGAGE	If the application is for a reverse mortgage	VARCHAR	Not a reverse mortgage
OPEN_END_LINE_OF_CREDIT	If the application is for an open-end line of credit	VARCHAR	Not an open-end line of credit
HOEPA_HIGH_COST_MORTGAGE	If the loan is a high-cost mortgage	VARCHAR	Not a high-cost mortgage
GSE_CONFORMING_LOAN_LIMIT	If the reported loan amount exceeds the GSE (government sponsored enterprise) conforming loan limit	VARCHAR	Conforming
OTHER_NONAMORTIZING_FEATURES	If the contractual terms allow for payments other than fully amortizing, negative amortizing, balloon, or interest only payments	VARCHAR	No other non-fully amortizing features
TOTAL_HOUSING_UNITS	Number of individual dwelling units related to the property securing the loan	VARCHAR	1-4
OCCUPANCY_TYPE	Occupancy type for the home (principal residence, second residence, investment property)	VARCHAR	Principal residence
HOME_CONSTRUCTION_METHOD	Construction method for the home (site-built, manufactured home)	VARCHAR	Site-built
MANUFACTURED_HOME_LAND_PROPERTY_INTEREST	Applicants land property interest in the land on which a manufactured home is located	VARCHAR	Exempt
MANUFACTURED_HOME_SECURED_PROPERTY_TYPE	If the application is secured by a manufactured home and land, or by a manufactured home and not land	VARCHAR	N/A
PERCENT_MULTIFAMILY_AFFORDABLE_UNITS	Percentage of multifamily affordable units as a fraction of total units	FLOAT	0.17
APPLICANT_AGE	Age of the applicant	VARCHAR	25-34
APPLICANT_SEX	Sex of the applicant	VARCHAR	Male
APPLICANT_RACE	Race of the applicant	VARCHAR	White
APPLICANT_ETHNICITY	Ethnicity of the applicant	VARCHAR	Not Hispanic or Latino
APPLICANT_AGE_ABOVE_62	If the applicant age is above 62	BOOLEAN	False
APPLICANT_CREDIT_SCORE_SERVICE	Credit scoring model used to generate the score relied on in the credit decision (e.g., VantageScore 3.0, Experian Fair Isaac)	VARCHAR	FICO Risk Score Classic 04
CO_APPLICANT_AGE	Age of the co-applicant	VARCHAR	N/A
CO_APPLICANT_SEX	Sex of the co-applicant	VARCHAR	Not provided
CO_APPLICANT_RACE	Race of the co-applicant	VARCHAR	White
CO_APPLICANT_ETHNICITY	Ethnicity of the co-applicant	VARCHAR	No co-applicant
CO_APPLICANT_AGE_ABOVE_62	If the co-applicant age is above 62	BOOLEAN	False
CO_APPLICANT_CREDIT_SCORE_SERVICE	Credit scoring model used to generate the score relied on in the credit decision (e.g., VantageScore 3.0, Experian Fair Isaac)	VARCHAR	N/A
MSA_MEDIAN_FAMILY_INCOME	Median family income for the MSA (via FFIEC)	NUMBER	95700
CENSUSTRACT_TO_MSA_INCOME_RATIO	Percentage of tract median family income compared to MSA/MD median family income	FLOAT	2.0469999999999997
CENSUSTRACT_POPULATION	Total population in the census tract	NUMBER	13821
CENSUSTRACT_ONE_TO_FOUR_FAMILY_HOME_COUNT	Count of family homes that are fewer than 5 families in the census tract	NUMBER	1148
CENSUSTRACT_OWNER_OCCUPIED_UNIT_COUNT	Count of homes, including individual condos, that are lived in by owner (owner occupied) in the census tract	NUMBER	306
CENSUSTRACT_MEDIAN_AGE_OF_HOUSING_UNITS	Tract median age of homes in the census tract	NUMBER	39
CENSUSTRACT_MINORITY_POPULATION_PERCENT	Percentage of minority population to total population in the census tract	FLOAT	0.27899999999999997
APPLICATION_SUBMISSION_DESTINATION	Whether the applicant or borrower submitted the application directly to the financial institution	VARCHAR	Submitted directly to institution
AUTOMATED_UNDERWRITING_SYSTEM	Automated underwriting system used by the financial institution to evaluate the application	VARCHAR	Desktop Underwriter
INITIALLY_PAYABLE_TO_INSTITUTION	If the obligation arising from the application was initially payable to the financial institution	VARCHAR	N/A