MI_DATA_DETAIL

MI_DATA_DETAIL

EntityType	Dependent
Logical Entity Name	MI_DATA_DETAIL
Default Table Name	DEAL/SERVICES/SERVICE/CREDIT/CREDIT_RESPONSE/LOANS/LOAN/MI_DATA/MI_DATA_DETAIL
Definition
Note

MI_DATA_DETAIL Attributes

Attribute/Logical Rolename Domain Datatype NULL Definition

BorrowerMITerminationDate MISMODate DATE NO The date that the borrower may request cancellation of MI insurance as identified by HOEPA regulations.

LenderPaidMIInterestRateAdjustmentPercent MISMOPercent DECIMAL(0, 2) NO The percentage of the mortgage interest rate allocated to fund lender purchased mortgage insurance premiums.

MI_LTVCutoffPercent MISMOPercent DECIMAL(0, 2) NO LTV cutoff for collection of mortgage insurance.

MICancellationDate MISMODate DATE NO Actual cancellation date of mortgage insurance coverage

MI_LTVCutoffType MI_LTVCutoffEnum VARCHAR(0) YES Specifies the basis of the mortgage insurance LTV cutoff

MICertificateIdentifier MISMOIdentifier VARCHAR(0) NO The number assigned by the private mortgage insurance company to track a loan.

MICertificationStatusType MICertificationStatusEnum VARCHAR(0) YES Defines the party that will obtain an MI Certificate.

MICertificationStatusTypeOtherDescription MISMOString VARCHAR(0) NO A free form text field used to collect additional information when Other is selected for MI Certification Status Type.

MICollectedNumberOfMonthsCount MISMOCount INTEGER NO The number of months of MI escrow that is collected at settlement.

MICompanyNameType MICompanyNameEnum VARCHAR(0) YES To convey the private MI company short/common name from whom the private mortgage insurance coverage was obtained.

MICompanyNameTypeOtherDescription MISMOString VARCHAR(0) NO A free-form text field used to capture the mortgage insurance company name if Other is selected as the mortgage insurance company name.

MIConventionalUpfrontPremiumPercent MISMOPercent DECIMAL(0, 2) NO Percentage of base loan amount paid to the mortgage insurer for initial up-front premium

MICoverageEffectiveDate MISMODate DATE NO The date the current MI policy went into effect.

MICoveragePercent MISMOPercent DECIMAL(0, 2) NO The percentage of mortgage insurance coverage obtained.

MICoveragePlanType MICoveragePlanEnum VARCHAR(0) YES Specifies the coverage category of mortgage insurance applicable to the loan.

MICoveragePlanTypeOtherDescription MISMOString VARCHAR(0) NO A free-form text field used to capture the description of the type of MI Coverage Plan if Other is selected as the MICoveragePlanType.

MICurrentAnnualPremiumAmount MISMOAmount DECIMAL(0, 2) NO The current dollar amount paid per year for mortgage insurance.

MICushionNumberOfMonthsCount MISMOCount INTEGER NO The number of months of MI escrow that is to be considered in the cushion for aggregate accounting.

MIDurationType MIDurationEnum VARCHAR(0) YES Specifies the period of time for which mortgage insurance coverage has been obtained/paid.

MIDurationTypeOtherDescription MISMOString VARCHAR(0) NO A free-form text field used to capture the description of the type of MI Duration if Other is selected as the MIDurationType.

MIEscrowedIndicator MISMOIndicator BIT NO Indicates whether mortgage insurance premium is being collected by the lender/servicer and deposited into an escrow account from which a future payment will be made.

MIEscrowIncludedInAggregateIndicator MISMOIndicator BIT NO Indicates whether Private Mortgage Insurance Escrow is to be included in the cushion for Aggregate Accounting.

MIInitialPremiumAmount MISMOAmount DECIMAL(0, 2) NO Amount of the first premium paid to MI. For monthly plans, one months premium; for all other plans, Initial Premium Rate times Base Loan Amount.

MIInitialPremiumAtClosingType MIInitialPremiumAtClosingEnum VARCHAR(0) YES Specifies whether the initial Mortgage Insurance premium is prepaid upon closing or deferred until first principle payment.

MIInitialPremiumAtClosingTypeOtherDescription MISMOString VARCHAR(0) NO A free-form text field used to capture the description of the type of MI Initial Premium At Closing if Other is selected as the MIInitialPremiumAtClosingType.

MIInitialPremiumRateDurationMonthsCount MISMOCount INTEGER NO Indicates the number of months for which the MI Initial Premium Rate applies.

MIInitialPremiumRatePercent MISMOPercent DECIMAL(0, 2) NO MI initial premium rate percent used to compute the initial MI premium amount.

MIPremiumCalculationRatePercent MISMOPercent DECIMAL(0, 2) NO The percentage of the principal balance used to calculate the annual PMI premium.

MIPremiumCalculationType MIPremiumCalculationEnum VARCHAR(0) YES Method by which new PMI premium is calculated.

MIPremiumCalendarYearAmount MISMOAmount DECIMAL(0, 2) NO The amount of the Mortgage Insurance Premiums that the Borrower has paid for the calendar year.

MIPremiumFinancedAmount MISMOAmount DECIMAL(0, 2) NO The amount of the up-front premium that is financed

MIPremiumFinancedIndicator MISMOIndicator BIT NO Indicates whether mortgage insurance premium has been added to loan amount.

MIPremiumFromClosingAmount MISMOAmount DECIMAL(0, 2) NO Amount of MI premium due from closing. Zero for deferred monthly; otherwise is a months, years or life premium for regular monthly, annual, or life of loan premium plans.

MIPremiumPaymentType MIPremiumPaymentEnum VARCHAR(0) YES Defines the source of premium payments and how they are to be paid.

MIPremiumPaymentTypeOtherDescription MISMOString VARCHAR(0) NO A free-form text field used to capture the description of the type of MI Premium Payment if Other is selected as the MIPremiumPaymentType.

MIPremiumRefundableType MIPremiumRefundableEnum VARCHAR(0) YES Specifies how the unearned portion of any private mortgage insurance premiums will be treated if the private mortgage insurance coverage is canceled.

MIPremiumRefundableTypeOtherDescription MISMOString VARCHAR(0) NO A free-form text field used to capture the description of the type of MI Premium Refundable if Other is selected as the MIPremiumRefundableType.

MIPremiumSourceType MIPremiumSourceEnum VARCHAR(0) YES Defines the source of the MI premium payment.

MIPremiumSourceTypeOtherDescription MISMOString VARCHAR(0) NO A free-form text field to collect MI premium source when Other is selected for MI Premium Source Type.

MIPremiumTermMonthsCount MISMOCount INTEGER NO The number of months of mortgage insurance coverage paid for.

MIRenewalCalculationType MIRenewalCalculationEnum VARCHAR(0) YES Specifies the way in which the renewal premiums will be calculated.

MIRenewalPremiumRatePercent MISMOPercent DECIMAL(0, 2) NO The renewal premium rate that will be applied to calculate the dollar amount of the MI renewal premium.

MIScheduledTerminationDate MISMODate DATE NO The projected mandatory date the mortgage insurance must be terminated when a set loan to value percent is reached as identified by HOEPA regulations. Also know as Mandatory MI Termination Date on PMI disclosure forms.

MISourceType MISourceEnum VARCHAR(0) YES The source (FHA or Private) of mortgage protection insurance.

MISplitPremiumUpfrontPercent MISMOPercent DECIMAL(0, 2) NO Reflects the actual up-front MI Premium percent associated with the plan.

PrimaryMIAbsenceReasonType PrimaryMIAbsenceReasonEnum VARCHAR(0) YES Specifies the reason that primary mortgage insurance is not required or provided.

PrimaryMIAbsenceReasonTypeOtherDescription MISMOString VARCHAR(0) NO A free form text field used to collect additional information when Other is selected for Primary MI Absence Reason Type.

ScheduledAmortizationMidpointDate MISMODate DATE NO Based on scheduled amortization, date at which the loan due date reaches the midpoint of the loans amortization period (e.g., for a 360 month loan, the date of month number 181).

SellerMIPaidToDate MISMODate DATE NO The date through which MI has been paid by the seller.

MI_DATA_DETAIL Keys

Key Name Key Type Keys

MI_DATA_DETAIL Relationships

Parent Relationships:

Entity Name Type Cardinality Business Name VerbPhrase InversePhrase Foreign Keys Is Supertype

MI_DATA Identifying One to Zero or One NO

Child Relationships:

Entity Name Type Cardinality Business Name VerbPhrase InversePhrase Foreign Keys Is Subtype

MI_DATA_DETAIL Check Constraints

Check Constraint Name CheckConstraint

MI_DATA_DETAIL Bound Attachments

Name Current Value

MI_DATA_DETAIL User-Defined Mappings

Model Name Description

MI_DATA_DETAIL Data Movement Rules

Name Type Rule Text/Value

Attribute/Logical Rolename	Domain	Datatype	NULL	Definition
BorrowerMITerminationDate	MISMODate	DATE	NO	The date that the borrower may request cancellation of MI insurance as identified by HOEPA regulations.
LenderPaidMIInterestRateAdjustmentPercent	MISMOPercent	DECIMAL(0, 2)	NO	The percentage of the mortgage interest rate allocated to fund lender purchased mortgage insurance premiums.
MI_LTVCutoffPercent	MISMOPercent	DECIMAL(0, 2)	NO	LTV cutoff for collection of mortgage insurance.
MICancellationDate	MISMODate	DATE	NO	Actual cancellation date of mortgage insurance coverage
MI_LTVCutoffType	MI_LTVCutoffEnum	VARCHAR(0)	YES	Specifies the basis of the mortgage insurance LTV cutoff
MICertificateIdentifier	MISMOIdentifier	VARCHAR(0)	NO	The number assigned by the private mortgage insurance company to track a loan.
MICertificationStatusType	MICertificationStatusEnum	VARCHAR(0)	YES	Defines the party that will obtain an MI Certificate.
MICertificationStatusTypeOtherDescription	MISMOString	VARCHAR(0)	NO	A free form text field used to collect additional information when Other is selected for MI Certification Status Type.
MICollectedNumberOfMonthsCount	MISMOCount	INTEGER	NO	The number of months of MI escrow that is collected at settlement.
MICompanyNameType	MICompanyNameEnum	VARCHAR(0)	YES	To convey the private MI company short/common name from whom the private mortgage insurance coverage was obtained.
MICompanyNameTypeOtherDescription	MISMOString	VARCHAR(0)	NO	A free-form text field used to capture the mortgage insurance company name if Other is selected as the mortgage insurance company name.
MIConventionalUpfrontPremiumPercent	MISMOPercent	DECIMAL(0, 2)	NO	Percentage of base loan amount paid to the mortgage insurer for initial up-front premium
MICoverageEffectiveDate	MISMODate	DATE	NO	The date the current MI policy went into effect.
MICoveragePercent	MISMOPercent	DECIMAL(0, 2)	NO	The percentage of mortgage insurance coverage obtained.
MICoveragePlanType	MICoveragePlanEnum	VARCHAR(0)	YES	Specifies the coverage category of mortgage insurance applicable to the loan.
MICoveragePlanTypeOtherDescription	MISMOString	VARCHAR(0)	NO	A free-form text field used to capture the description of the type of MI Coverage Plan if Other is selected as the MICoveragePlanType.
MICurrentAnnualPremiumAmount	MISMOAmount	DECIMAL(0, 2)	NO	The current dollar amount paid per year for mortgage insurance.
MICushionNumberOfMonthsCount	MISMOCount	INTEGER	NO	The number of months of MI escrow that is to be considered in the cushion for aggregate accounting.
MIDurationType	MIDurationEnum	VARCHAR(0)	YES	Specifies the period of time for which mortgage insurance coverage has been obtained/paid.
MIDurationTypeOtherDescription	MISMOString	VARCHAR(0)	NO	A free-form text field used to capture the description of the type of MI Duration if Other is selected as the MIDurationType.
MIEscrowedIndicator	MISMOIndicator	BIT	NO	Indicates whether mortgage insurance premium is being collected by the lender/servicer and deposited into an escrow account from which a future payment will be made.
MIEscrowIncludedInAggregateIndicator	MISMOIndicator	BIT	NO	Indicates whether Private Mortgage Insurance Escrow is to be included in the cushion for Aggregate Accounting.
MIInitialPremiumAmount	MISMOAmount	DECIMAL(0, 2)	NO	Amount of the first premium paid to MI. For monthly plans, one months premium; for all other plans, Initial Premium Rate times Base Loan Amount.
MIInitialPremiumAtClosingType	MIInitialPremiumAtClosingEnum	VARCHAR(0)	YES	Specifies whether the initial Mortgage Insurance premium is prepaid upon closing or deferred until first principle payment.
MIInitialPremiumAtClosingTypeOtherDescription	MISMOString	VARCHAR(0)	NO	A free-form text field used to capture the description of the type of MI Initial Premium At Closing if Other is selected as the MIInitialPremiumAtClosingType.
MIInitialPremiumRateDurationMonthsCount	MISMOCount	INTEGER	NO	Indicates the number of months for which the MI Initial Premium Rate applies.
MIInitialPremiumRatePercent	MISMOPercent	DECIMAL(0, 2)	NO	MI initial premium rate percent used to compute the initial MI premium amount.
MIPremiumCalculationRatePercent	MISMOPercent	DECIMAL(0, 2)	NO	The percentage of the principal balance used to calculate the annual PMI premium.
MIPremiumCalculationType	MIPremiumCalculationEnum	VARCHAR(0)	YES	Method by which new PMI premium is calculated.
MIPremiumCalendarYearAmount	MISMOAmount	DECIMAL(0, 2)	NO	The amount of the Mortgage Insurance Premiums that the Borrower has paid for the calendar year.
MIPremiumFinancedAmount	MISMOAmount	DECIMAL(0, 2)	NO	The amount of the up-front premium that is financed
MIPremiumFinancedIndicator	MISMOIndicator	BIT	NO	Indicates whether mortgage insurance premium has been added to loan amount.
MIPremiumFromClosingAmount	MISMOAmount	DECIMAL(0, 2)	NO	Amount of MI premium due from closing. Zero for deferred monthly; otherwise is a months, years or life premium for regular monthly, annual, or life of loan premium plans.
MIPremiumPaymentType	MIPremiumPaymentEnum	VARCHAR(0)	YES	Defines the source of premium payments and how they are to be paid.
MIPremiumPaymentTypeOtherDescription	MISMOString	VARCHAR(0)	NO	A free-form text field used to capture the description of the type of MI Premium Payment if Other is selected as the MIPremiumPaymentType.
MIPremiumRefundableType	MIPremiumRefundableEnum	VARCHAR(0)	YES	Specifies how the unearned portion of any private mortgage insurance premiums will be treated if the private mortgage insurance coverage is canceled.
MIPremiumRefundableTypeOtherDescription	MISMOString	VARCHAR(0)	NO	A free-form text field used to capture the description of the type of MI Premium Refundable if Other is selected as the MIPremiumRefundableType.
MIPremiumSourceType	MIPremiumSourceEnum	VARCHAR(0)	YES	Defines the source of the MI premium payment.
MIPremiumSourceTypeOtherDescription	MISMOString	VARCHAR(0)	NO	A free-form text field to collect MI premium source when Other is selected for MI Premium Source Type.
MIPremiumTermMonthsCount	MISMOCount	INTEGER	NO	The number of months of mortgage insurance coverage paid for.
MIRenewalCalculationType	MIRenewalCalculationEnum	VARCHAR(0)	YES	Specifies the way in which the renewal premiums will be calculated.
MIRenewalPremiumRatePercent	MISMOPercent	DECIMAL(0, 2)	NO	The renewal premium rate that will be applied to calculate the dollar amount of the MI renewal premium.
MIScheduledTerminationDate	MISMODate	DATE	NO	The projected mandatory date the mortgage insurance must be terminated when a set loan to value percent is reached as identified by HOEPA regulations. Also know as Mandatory MI Termination Date on PMI disclosure forms.
MISourceType	MISourceEnum	VARCHAR(0)	YES	The source (FHA or Private) of mortgage protection insurance.
MISplitPremiumUpfrontPercent	MISMOPercent	DECIMAL(0, 2)	NO	Reflects the actual up-front MI Premium percent associated with the plan.
PrimaryMIAbsenceReasonType	PrimaryMIAbsenceReasonEnum	VARCHAR(0)	YES	Specifies the reason that primary mortgage insurance is not required or provided.
PrimaryMIAbsenceReasonTypeOtherDescription	MISMOString	VARCHAR(0)	NO	A free form text field used to collect additional information when Other is selected for Primary MI Absence Reason Type.
ScheduledAmortizationMidpointDate	MISMODate	DATE	NO	Based on scheduled amortization, date at which the loan due date reaches the midpoint of the loans amortization period (e.g., for a 360 month loan, the date of month number 181).
SellerMIPaidToDate	MISMODate	DATE	NO	The date through which MI has been paid by the seller.

Entity Name	Type	Cardinality	Business Name	VerbPhrase	InversePhrase	Foreign Keys	Is Supertype
MI_DATA	Identifying	One to Zero or One					NO