Home Mortgage Disclosure Attributes
Snowflake table name : CYBERSYN.HOME_MORTGAGE_DISCLOSURE_ATTRIBUTES
| Name | Description | Type | Example |
|---|---|---|---|
| Year of mortgage application | VARCHAR |
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| Legal entity identifier of the institution receiving the mortgage application | VARCHAR |
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| Name of the financial institution receiving the mortgage application | VARCHAR |
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| A unique identifier of the Census Tract where the property is located. Joinable to the GEOGRAPHY_INDEX table | VARCHAR |
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| A unique identifier of the county where the property is located. Joinable to the GEOGRAPHY_INDEX table | VARCHAR |
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| Name of the county where the property is located | VARCHAR |
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| A unique identifier of the core based statistical area or metropolitan division where the property is located. Joinable to the GEOGRAPHY_INDEX table | VARCHAR |
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| Name of the core based statistical area or metropolitan division where the property is located. | VARCHAR |
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| A unique identifier of the state where the property is located. Joinable to the GEOGRAPHY_INDEX table | VARCHAR |
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| Name of the state where the property is located | VARCHAR |
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| Final application decision (e.g., Loan originated, Application denied, etc.) | VARCHAR |
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| Principal reason for the denial of a mortgage | VARCHAR |
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| Full array of all reasons for the denial of a mortgage | ARRAY |
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| Type of entity purchasing a loan from the institution (e.g., Fannie Mae, Freddie Mac, etc.) | VARCHAR |
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| Purpose for of loan (e.g., Home purchase, Refinancing, etc.) | VARCHAR |
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| If the application is primarily for a business or commercial purpose | VARCHAR |
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| Type of loan (Conventional, FHA, VA, RHS, or FSA) | VARCHAR |
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| If the application involved a request for a preapproval of a home purchase loan | VARCHAR |
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| Amount of the loan or amount applied for | NUMBER |
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| Number of months after which the legal obligation will mature or terminate | NUMBER |
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| Interest rate of the loan | FLOAT |
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| Points paid to the creditor to reduce the interest rate (in USD) | NUMBER |
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| Difference between APR & APOR for a comparable transaction as of the date the rate is set | FLOAT |
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| Number of months until the first date the interest rate may change after closing or account opening | NUMBER |
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| If the contractual terms include interest-only payments | VARCHAR |
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| Gross annual income relied on in making the credit decision (in USD) | NUMBER |
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| Ratio of the applicant's total monthly debt to the total monthly income | VARCHAR |
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| Value of the property securing the loan | NUMBER |
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| Ratio of the total amount of debt secured by the property to the value of the property | NUMBER |
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| Lien status of the property securing the loan | VARCHAR |
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| Amount of lender credits (in USD) | NUMBER |
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| Total points and fees charged in connection with the loan (in USD) | NUMBER |
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| Total of all itemized amounts that are designated borrower-paid at or before closing (in USD) | NUMBER |
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| Amount of total loan costs in USD | NUMBER |
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| Term of any prepayment penalty in months | NUMBER |
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| If the contractual terms include a term that would cause the loan to be a negative amortization loan | VARCHAR |
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| If the contractual terms include a balloon payment | VARCHAR |
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| If the application is for a reverse mortgage | VARCHAR |
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| If the application is for an open-end line of credit | VARCHAR |
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| If the loan is a high-cost mortgage | VARCHAR |
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| If the reported loan amount exceeds the GSE (government sponsored enterprise) conforming loan limit | VARCHAR |
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| If the contractual terms allow for payments other than fully amortizing, negative amortizing, balloon, or interest only payments | VARCHAR |
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| Number of individual dwelling units related to the property securing the loan | VARCHAR |
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| Occupancy type for the home (principal residence, second residence, investment property) | VARCHAR |
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| Construction method for the home (site-built, manufactured home) | VARCHAR |
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| Applicants land property interest in the land on which a manufactured home is located | VARCHAR |
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| If the application is secured by a manufactured home and land, or by a manufactured home and not land | VARCHAR |
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| Percentage of multifamily affordable units as a fraction of total units | FLOAT |
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| Age of the applicant | VARCHAR |
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| Sex of the applicant | VARCHAR |
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| Race of the applicant | VARCHAR |
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| Ethnicity of the applicant | VARCHAR |
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| If the applicant age is above 62 | BOOLEAN |
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| Credit scoring model used to generate the score relied on in the credit decision (e.g., VantageScore 3.0, Experian Fair Isaac) | VARCHAR |
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| Age of the co-applicant | VARCHAR |
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| Sex of the co-applicant | VARCHAR |
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| Race of the co-applicant | VARCHAR |
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| Ethnicity of the co-applicant | VARCHAR |
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| If the co-applicant age is above 62 | BOOLEAN |
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| Credit scoring model used to generate the score relied on in the credit decision (e.g., VantageScore 3.0, Experian Fair Isaac) | VARCHAR |
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| Median family income for the MSA (via FFIEC) | NUMBER |
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| Percentage of tract median family income compared to MSA/MD median family income | FLOAT |
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| Total population in the census tract | NUMBER |
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| Count of family homes that are fewer than 5 families in the census tract | NUMBER |
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| Count of homes, including individual condos, that are lived in by owner (owner occupied) in the census tract | NUMBER |
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| Tract median age of homes in the census tract | NUMBER |
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| Percentage of minority population to total population in the census tract | FLOAT |
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| Whether the applicant or borrower submitted the application directly to the financial institution | VARCHAR |
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| Automated underwriting system used by the financial institution to evaluate the application | VARCHAR |
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| If the obligation arising from the application was initially payable to the financial institution | VARCHAR |
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