LOAN_DETAIL

LOAN_DETAIL

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

LOAN_DETAIL Attributes

Attribute/Logical Rolename Domain Datatype NULL Definition

AcceleratedPaymentProgramIndicator MISMOIndicator BIT NO Indicates that mortgagor participates in some sort of accelerated principal re-payment program which may be administered by a third party.

ApplicationReceivedDate MISMODate DATE NO The date the creditor or originator received the application from the borrower for the subject mortgage loan that would trigger the truth in lending disclosure.

ArmsLengthIndicator MISMOIndicator BIT NO Indicates that this is an Arms Length Transaction. An Arms length transaction is between a willing buyer and a willing seller with no undue influence on either party and there is no relationship between the parties except that of the specific transaction.

AssumabilityIndicator MISMOIndicator BIT NO Indicates whether the loan is assumable by another borrower.

AssumedIndicator MISMOIndicator BIT NO Indicates if the loan has been assumed

BalloonGuaranteedRefinancingIndicator MISMOIndicator BIT NO When true, indicates refinancing of the balloon mortgage loan is guaranteed by the lender.

BalloonIndicator MISMOIndicator BIT NO Indicates whether or not a final balloon payment is required under the terms of the loan repayment schedule to fully pay off the loan.

BalloonPaymentAmount MISMOAmount DECIMAL(0, 2) NO The dollar amount of the final, or lump sum, balloon payment.

BalloonResetIndicator MISMOIndicator BIT NO When true, indicates that the balloon loan has been reset to the current market rate.

BelowMarketSubordinateFinancingIndicator MISMOIndicator BIT NO Indicates whether the seller provided below-market subordinate financing.

BiweeklyToMonthlyOnDefaultIndicator MISMOIndicator BIT NO Indicates if the lender allows conversion from Bi-weekly payments to monthly upon a default by the borrower.

BorrowerCount MISMOCount INTEGER NO The number of borrowers obligated on the note.

BuydownTemporarySubsidyFundingIndicator MISMOIndicator BIT NO Indicates whether there is buydown funding on this loan. A buydown is money paid by the borrower or third party for the purpose of reducing the interest rate and/or the monthly payments on a temporary basis.

CapitalizedFeesIndicator MISMOIndicator BIT NO Indicates that the mortgage balance includes capitalized origination fees.

CapitalizedLoanIndicator MISMOIndicator BIT NO Indicates that interest accrued, escrow disbursements made and/or fees charged are included in the unpaid principal balance.

ClosingCostFinancedIndicator MISMOIndicator BIT NO Indicates that some or all of the closing costs were financed into the Borrower Requested Loan Amount.

CollateralPledgedToName MISMOString VARCHAR(0) NO Specifies to whom the loan has been pledged as collateral.

ConcurrentOriginationIndicator MISMOIndicator BIT NO Indicates that a new first mortgage will be closed concurrently with a second or a HELOC loan.

ConcurrentOriginationLenderIndicator MISMOIndicator BIT NO Indicates that a concurrent loan is from the same lender. This is in conjunction with Concurrent Origination Indicator.

ConformingIndicator MISMOIndicator BIT NO When true, indicates that the loan amount is a conforming loan amount by Fannie Mae and Freddie Mac standards.

ConstructionLoanIndicator MISMOIndicator BIT NO Indicates whether or not this is a construction loan.

ConvertibleIndicator MISMOIndicator BIT NO Indicates that the loan has a convertible characteristic.

CurrentInterestRatePercent MISMOPercent DECIMAL(0, 2) NO The current interest rate, expressed as a percent, for this loan.

DeferredInterestBalanceAmount MISMOAmount DECIMAL(0, 2) NO Accrued Uncollected Interest

DemandFeatureIndicator MISMOIndicator BIT NO When true, indicates that the loan has a demand feature.

EligibleForLenderPaidMIIndicator MISMOIndicator BIT NO Indicates that the mortgage loan is eligible for lender-paid MI.

EmployeeLoanProgramIndicator MISMOIndicator BIT NO Indicates if the loan is part of an employee loan program.

ENoteCertifiedIndicator MISMOIndicator BIT NO Indicates whether the loan delivery data has been automatically certified against eNote data.

ENoteIndicator MISMOIndicator BIT NO Indicates that an eNote is used as part of this loan.

EscrowAccountLenderRequirementType EscrowAccountLenderRequirementEnum VARCHAR(0) YES Identifies the escrow account status in terms of the requirements of the lender in the mortgage loan transaction.

EscrowAccountRequestedIndicator MISMOIndicator BIT NO When true, indicates that the establishment of an escrow account has been requested by the borrower(s) for the loan.

EscrowIndicator MISMOIndicator BIT NO Indicates whether or not escrows are associated with this loan.

EscrowNotAllowedIndicator MISMOIndicator BIT NO When true, indicates that, under applicable law, a servicer may not establish an escrow account for the mortgage loan being modified.

EscrowsElectedByBorrowerIndicator MISMOIndicator BIT NO When true, indicates the borrower has elected to establish an escrow account.

HELOCIndicator MISMOIndicator BIT NO Indicates whether or not a loan is a Home Equity Line of Credit (HELOC).

HomeBuyersHomeownershipEducationCertificateIndicator MISMOIndicator BIT NO Indicates whether the Home Buyers/Home Ownership Education certificate is included in the loan file.

InitialFixedPeriodEffectiveMonthsCount MISMOCount INTEGER NO The number of months that the initial fixed period of a hybrid ARM is in effect

InterestCreditedToBorrowerIndicator MISMOIndicator BIT NO Identifies whether interest was credited to the borrower at time of closing for a closed-end mortgage.

InterestOnlyIndicator MISMOIndicator BIT NO Indicates whether loan is set up with interest only payments.

LenderSelfInsuredIndicator MISMOIndicator BIT NO Indicates that the Lender will provide self-insurance.

LienHolderSameAsSubjectLoanIndicator MISMOIndicator BIT NO Indicates that the lien holder of the related loan is the same as the lien holder of the subject loan.

LoanAffordableIndicator MISMOIndicator BIT NO When true, indicates that the loan is classified as an affordable loan by the lender or the investor.

LoanApprovalDate MISMODate DATE NO The date the mortgage loan approval was made by the lender to the borrower. A loan approval involves verifying credit, down payment, employment history, etc. of the borrower(s) and will generally state that the borrower is approved for a loan upon satisf

LoanApprovalExpirationDate MISMODate DATE NO The date the mortgage loan approval expires.

LoanApprovalPeriodDaysCount MISMOCount INTEGER NO The number of days the mortgage loan approval is in effect.

LoanClosingStatusType LoanClosingStatusEnum VARCHAR(0) YES Defines whether the loan is a closed loan purchase or a table funded loan.

LoanCommitmentDate MISMODate DATE NO The date the mortgage loan commitment to the borrower was made. The loan commitment is a formal, binding offer from a lender that a specified amount of loan or line of credit will be made available to the named borrower at a certain interest rate, during

LoanCommitmentExpirationDate MISMODate DATE NO The date the mortgage loan commitment expires.

LoanCommitmentPeriodDaysCount MISMOCount INTEGER NO The number of days the mortgage loan commitment is in effect.

LoanFundingDate MISMODate DATE NO The date the original lender funds were released to the borrower.

LoanRepaymentType LoanRepaymentEnum VARCHAR(0) YES Specifies whether the loan payment schedule has been calculated to fully repay the loan over the mortgage term.

LoanRepaymentTypeOtherDescription MISMOString VARCHAR(0) NO A free form text field used to collect additional information when Other is selected for Loan Repayment Type.

LoanSaleFundingDate MISMODate DATE NO The date the investor releases funds to the seller of the loan.

LoanSellerProvidedInvestmentRatingDescription MISMOString VARCHAR(0) NO The widely-recognized alpha code (e.g., AA, A, B, etc.) provided by the seller which specifies the credit risk class of a financial asset (e.g. a loan or mortgage backed security).

LostNoteAffidavitIndicator MISMOIndicator BIT NO Indicates whether or not a lost note affidavit (LNA) is associated with the loan.

MIRequiredIndicator MISMOIndicator BIT NO Indicates that Mortgage Insurance is or was required as a condition for originating the loan.

MortgageModificationIndicator MISMOIndicator BIT NO Indicates that a loan modification exists.

NegativeAmortizationIndicator MISMOIndicator BIT NO Indicates whether the loan allows negative amortization.

OriginalLoanStandardEscrowProvisionsIndicator MISMOIndicator BIT NO When true indicates the original loan documents included standard Fannie Mae/Freddie Mac Uniform Instrument provisions for escrow items.

OverdueInterestAmount MISMOAmount DECIMAL(0, 2) NO The amount of interest accrued but not yet paid for Daily Simple Interest loans. This interest is considered overdue interest and is paid first when a payment is applied.

PiggybackLoanIndicator MISMOIndicator BIT NO Indicates a second lien being carried under the same loan number as a first mortgage. Generally one mortgage is covered by two notes and the borrower makes one combined payment.

PrepaymentPenaltyIndicator MISMOIndicator BIT NO Indicates whether the loan includes a penalty charged to the borrower in the event of prepayment.

PrepaymentPenaltyWaivedIndicator MISMOIndicator BIT NO Indicates that the prepayment penalty has been waived.

PrepaymentRestrictionIndicator MISMOIndicator BIT NO Indicates whether the loan has any restrictions on the prepayment of the loan (i.e. paying off the principal and or interest at a rate faster than prescribed by the payment schedule).

PropertiesFinancedByLenderCount MISMOCount INTEGER NO Case or loan level count of properties already financed by this lender for the borrower(s) named on the loan application. Does not include subject property

PropertyInspectionWaiverIndicator MISMOIndicator BIT NO Indicates whether a documented inspection of the property has been waived.

RecoverableCorporateAdvanceBalanceFromBorrowerAmount MISMOAmount DECIMAL(0, 2) NO Monies advanced on the loan (i.e. delinquency expense, tax penalty, repairs, etc.).

RecoverableCorporateAdvanceBalanceFromThirdPartyAmount MISMOAmount DECIMAL(0, 2) NO Monies advanced on the loan (i.e. delinquency expense, tax penalty, repairs, etc.).

RefundOfOverpaidInterestCalendarYearAmount MISMOAmount DECIMAL(0, 2) NO The amount of overpaid interest refunded to the borrower for the calendar year.

RelocationLoanIndicator MISMOIndicator BIT NO Indicates if the loan is part of a corporate relocation program.

RemainingUnearnedInterestAmount MISMOAmount DECIMAL(0, 2) NO The remaining amount of interest scheduled to be paid on a rule of 78s loan.

ServicingTransferProhibitedIndicator MISMOIndicator BIT NO When true, indicates that the transfer of servicing is prohibited during life of the loan or for a designated period of time or until a certain event or condition is satisfied.

ServicingTransferStatusType ServicingTransferStatusEnum VARCHAR(0) YES Defines whether the servicing on the loan will be retained or transferred to another party. Typically only on closed loans.

SharedAppreciationIndicator MISMOIndicator BIT NO Indicates the loan is one in which the lender, in exchange for a loan with a favorable interest rate, participates in the profits (if any) the borrow receives when the property is eventually sold.

SharedEquityIndicator MISMOIndicator BIT NO Indicates the mortgage is for resale-restricted, owner-occupied housing in which the rights, responsibilities, and benefits of residential property ownership are shared between individual homeowners and another party.

SignedAuthorizationToRequestTaxRecordsIndicator MISMOIndicator BIT NO Indicates that the IRS form (4506 or 4506T) that gives the lender the authority to request copies of tax records is present.

TaxRecordsObtainedIndicator MISMOIndicator BIT NO Indicates that the IRS form (4506 or 4506T) that gives the lender the authority to request copies of tax records has been executed by the lender.

TimelyPaymentRateReductionIndicator MISMOIndicator BIT NO Flag indicating if the loan is eligible for a rate reduction if payments are received in a timely manner.

TotalMortgagedPropertiesCount MISMOCount INTEGER NO The number of 1-4 unit properties that are financed and owned and/or obligated on by the borrower(s). A jointly owned/obligated property by multiple borrowers would count only once.

TotalSalesConcessionAmount MISMOAmount DECIMAL(0, 2) NO The sum total dollar amount of the value of all sales concessions granted by an interested party including such items as furniture, carpeting, decorator allowances, automobiles, vacations, securities, giveaways or other sales incentives

WarehouseLenderIndicator MISMOIndicator BIT NO An indicator denoting whether a Warehouse Bank is involved in the mortgage loan transaction through a relationship with the lender.

LOAN_DETAIL Keys

Key Name Key Type Keys

LOAN_DETAIL Relationships

Parent Relationships:

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

LOAN Identifying One to Zero or One NO

Child Relationships:

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

LOAN_DETAIL Check Constraints

Check Constraint Name CheckConstraint

LOAN_DETAIL Bound Attachments

Name Current Value

LOAN_DETAIL User-Defined Mappings

Model Name Description

LOAN_DETAIL Data Movement Rules

Name Type Rule Text/Value

Attribute/Logical Rolename	Domain	Datatype	NULL	Definition
AcceleratedPaymentProgramIndicator	MISMOIndicator	BIT	NO	Indicates that mortgagor participates in some sort of accelerated principal re-payment program which may be administered by a third party.
ApplicationReceivedDate	MISMODate	DATE	NO	The date the creditor or originator received the application from the borrower for the subject mortgage loan that would trigger the truth in lending disclosure.
ArmsLengthIndicator	MISMOIndicator	BIT	NO	Indicates that this is an Arms Length Transaction. An Arms length transaction is between a willing buyer and a willing seller with no undue influence on either party and there is no relationship between the parties except that of the specific transaction.
AssumabilityIndicator	MISMOIndicator	BIT	NO	Indicates whether the loan is assumable by another borrower.
AssumedIndicator	MISMOIndicator	BIT	NO	Indicates if the loan has been assumed
BalloonGuaranteedRefinancingIndicator	MISMOIndicator	BIT	NO	When true, indicates refinancing of the balloon mortgage loan is guaranteed by the lender.
BalloonIndicator	MISMOIndicator	BIT	NO	Indicates whether or not a final balloon payment is required under the terms of the loan repayment schedule to fully pay off the loan.
BalloonPaymentAmount	MISMOAmount	DECIMAL(0, 2)	NO	The dollar amount of the final, or lump sum, balloon payment.
BalloonResetIndicator	MISMOIndicator	BIT	NO	When true, indicates that the balloon loan has been reset to the current market rate.
BelowMarketSubordinateFinancingIndicator	MISMOIndicator	BIT	NO	Indicates whether the seller provided below-market subordinate financing.
BiweeklyToMonthlyOnDefaultIndicator	MISMOIndicator	BIT	NO	Indicates if the lender allows conversion from Bi-weekly payments to monthly upon a default by the borrower.
BorrowerCount	MISMOCount	INTEGER	NO	The number of borrowers obligated on the note.
BuydownTemporarySubsidyFundingIndicator	MISMOIndicator	BIT	NO	Indicates whether there is buydown funding on this loan. A buydown is money paid by the borrower or third party for the purpose of reducing the interest rate and/or the monthly payments on a temporary basis.
CapitalizedFeesIndicator	MISMOIndicator	BIT	NO	Indicates that the mortgage balance includes capitalized origination fees.
CapitalizedLoanIndicator	MISMOIndicator	BIT	NO	Indicates that interest accrued, escrow disbursements made and/or fees charged are included in the unpaid principal balance.
ClosingCostFinancedIndicator	MISMOIndicator	BIT	NO	Indicates that some or all of the closing costs were financed into the Borrower Requested Loan Amount.
CollateralPledgedToName	MISMOString	VARCHAR(0)	NO	Specifies to whom the loan has been pledged as collateral.
ConcurrentOriginationIndicator	MISMOIndicator	BIT	NO	Indicates that a new first mortgage will be closed concurrently with a second or a HELOC loan.
ConcurrentOriginationLenderIndicator	MISMOIndicator	BIT	NO	Indicates that a concurrent loan is from the same lender. This is in conjunction with Concurrent Origination Indicator.
ConformingIndicator	MISMOIndicator	BIT	NO	When true, indicates that the loan amount is a conforming loan amount by Fannie Mae and Freddie Mac standards.
ConstructionLoanIndicator	MISMOIndicator	BIT	NO	Indicates whether or not this is a construction loan.
ConvertibleIndicator	MISMOIndicator	BIT	NO	Indicates that the loan has a convertible characteristic.
CurrentInterestRatePercent	MISMOPercent	DECIMAL(0, 2)	NO	The current interest rate, expressed as a percent, for this loan.
DeferredInterestBalanceAmount	MISMOAmount	DECIMAL(0, 2)	NO	Accrued Uncollected Interest
DemandFeatureIndicator	MISMOIndicator	BIT	NO	When true, indicates that the loan has a demand feature.
EligibleForLenderPaidMIIndicator	MISMOIndicator	BIT	NO	Indicates that the mortgage loan is eligible for lender-paid MI.
EmployeeLoanProgramIndicator	MISMOIndicator	BIT	NO	Indicates if the loan is part of an employee loan program.
ENoteCertifiedIndicator	MISMOIndicator	BIT	NO	Indicates whether the loan delivery data has been automatically certified against eNote data.
ENoteIndicator	MISMOIndicator	BIT	NO	Indicates that an eNote is used as part of this loan.
EscrowAccountLenderRequirementType	EscrowAccountLenderRequirementEnum	VARCHAR(0)	YES	Identifies the escrow account status in terms of the requirements of the lender in the mortgage loan transaction.
EscrowAccountRequestedIndicator	MISMOIndicator	BIT	NO	When true, indicates that the establishment of an escrow account has been requested by the borrower(s) for the loan.
EscrowIndicator	MISMOIndicator	BIT	NO	Indicates whether or not escrows are associated with this loan.
EscrowNotAllowedIndicator	MISMOIndicator	BIT	NO	When true, indicates that, under applicable law, a servicer may not establish an escrow account for the mortgage loan being modified.
EscrowsElectedByBorrowerIndicator	MISMOIndicator	BIT	NO	When true, indicates the borrower has elected to establish an escrow account.
HELOCIndicator	MISMOIndicator	BIT	NO	Indicates whether or not a loan is a Home Equity Line of Credit (HELOC).
HomeBuyersHomeownershipEducationCertificateIndicator	MISMOIndicator	BIT	NO	Indicates whether the Home Buyers/Home Ownership Education certificate is included in the loan file.
InitialFixedPeriodEffectiveMonthsCount	MISMOCount	INTEGER	NO	The number of months that the initial fixed period of a hybrid ARM is in effect
InterestCreditedToBorrowerIndicator	MISMOIndicator	BIT	NO	Identifies whether interest was credited to the borrower at time of closing for a closed-end mortgage.
InterestOnlyIndicator	MISMOIndicator	BIT	NO	Indicates whether loan is set up with interest only payments.
LenderSelfInsuredIndicator	MISMOIndicator	BIT	NO	Indicates that the Lender will provide self-insurance.
LienHolderSameAsSubjectLoanIndicator	MISMOIndicator	BIT	NO	Indicates that the lien holder of the related loan is the same as the lien holder of the subject loan.
LoanAffordableIndicator	MISMOIndicator	BIT	NO	When true, indicates that the loan is classified as an affordable loan by the lender or the investor.
LoanApprovalDate	MISMODate	DATE	NO	The date the mortgage loan approval was made by the lender to the borrower. A loan approval involves verifying credit, down payment, employment history, etc. of the borrower(s) and will generally state that the borrower is approved for a loan upon satisf
LoanApprovalExpirationDate	MISMODate	DATE	NO	The date the mortgage loan approval expires.
LoanApprovalPeriodDaysCount	MISMOCount	INTEGER	NO	The number of days the mortgage loan approval is in effect.
LoanClosingStatusType	LoanClosingStatusEnum	VARCHAR(0)	YES	Defines whether the loan is a closed loan purchase or a table funded loan.
LoanCommitmentDate	MISMODate	DATE	NO	The date the mortgage loan commitment to the borrower was made. The loan commitment is a formal, binding offer from a lender that a specified amount of loan or line of credit will be made available to the named borrower at a certain interest rate, during
LoanCommitmentExpirationDate	MISMODate	DATE	NO	The date the mortgage loan commitment expires.
LoanCommitmentPeriodDaysCount	MISMOCount	INTEGER	NO	The number of days the mortgage loan commitment is in effect.
LoanFundingDate	MISMODate	DATE	NO	The date the original lender funds were released to the borrower.
LoanRepaymentType	LoanRepaymentEnum	VARCHAR(0)	YES	Specifies whether the loan payment schedule has been calculated to fully repay the loan over the mortgage term.
LoanRepaymentTypeOtherDescription	MISMOString	VARCHAR(0)	NO	A free form text field used to collect additional information when Other is selected for Loan Repayment Type.
LoanSaleFundingDate	MISMODate	DATE	NO	The date the investor releases funds to the seller of the loan.
LoanSellerProvidedInvestmentRatingDescription	MISMOString	VARCHAR(0)	NO	The widely-recognized alpha code (e.g., AA, A, B, etc.) provided by the seller which specifies the credit risk class of a financial asset (e.g. a loan or mortgage backed security).
LostNoteAffidavitIndicator	MISMOIndicator	BIT	NO	Indicates whether or not a lost note affidavit (LNA) is associated with the loan.
MIRequiredIndicator	MISMOIndicator	BIT	NO	Indicates that Mortgage Insurance is or was required as a condition for originating the loan.
MortgageModificationIndicator	MISMOIndicator	BIT	NO	Indicates that a loan modification exists.
NegativeAmortizationIndicator	MISMOIndicator	BIT	NO	Indicates whether the loan allows negative amortization.
OriginalLoanStandardEscrowProvisionsIndicator	MISMOIndicator	BIT	NO	When true indicates the original loan documents included standard Fannie Mae/Freddie Mac Uniform Instrument provisions for escrow items.
OverdueInterestAmount	MISMOAmount	DECIMAL(0, 2)	NO	The amount of interest accrued but not yet paid for Daily Simple Interest loans. This interest is considered overdue interest and is paid first when a payment is applied.
PiggybackLoanIndicator	MISMOIndicator	BIT	NO	Indicates a second lien being carried under the same loan number as a first mortgage. Generally one mortgage is covered by two notes and the borrower makes one combined payment.
PrepaymentPenaltyIndicator	MISMOIndicator	BIT	NO	Indicates whether the loan includes a penalty charged to the borrower in the event of prepayment.
PrepaymentPenaltyWaivedIndicator	MISMOIndicator	BIT	NO	Indicates that the prepayment penalty has been waived.
PrepaymentRestrictionIndicator	MISMOIndicator	BIT	NO	Indicates whether the loan has any restrictions on the prepayment of the loan (i.e. paying off the principal and or interest at a rate faster than prescribed by the payment schedule).
PropertiesFinancedByLenderCount	MISMOCount	INTEGER	NO	Case or loan level count of properties already financed by this lender for the borrower(s) named on the loan application. Does not include subject property
PropertyInspectionWaiverIndicator	MISMOIndicator	BIT	NO	Indicates whether a documented inspection of the property has been waived.
RecoverableCorporateAdvanceBalanceFromBorrowerAmount	MISMOAmount	DECIMAL(0, 2)	NO	Monies advanced on the loan (i.e. delinquency expense, tax penalty, repairs, etc.).
RecoverableCorporateAdvanceBalanceFromThirdPartyAmount	MISMOAmount	DECIMAL(0, 2)	NO	Monies advanced on the loan (i.e. delinquency expense, tax penalty, repairs, etc.).
RefundOfOverpaidInterestCalendarYearAmount	MISMOAmount	DECIMAL(0, 2)	NO	The amount of overpaid interest refunded to the borrower for the calendar year.
RelocationLoanIndicator	MISMOIndicator	BIT	NO	Indicates if the loan is part of a corporate relocation program.
RemainingUnearnedInterestAmount	MISMOAmount	DECIMAL(0, 2)	NO	The remaining amount of interest scheduled to be paid on a rule of 78s loan.
ServicingTransferProhibitedIndicator	MISMOIndicator	BIT	NO	When true, indicates that the transfer of servicing is prohibited during life of the loan or for a designated period of time or until a certain event or condition is satisfied.
ServicingTransferStatusType	ServicingTransferStatusEnum	VARCHAR(0)	YES	Defines whether the servicing on the loan will be retained or transferred to another party. Typically only on closed loans.
SharedAppreciationIndicator	MISMOIndicator	BIT	NO	Indicates the loan is one in which the lender, in exchange for a loan with a favorable interest rate, participates in the profits (if any) the borrow receives when the property is eventually sold.
SharedEquityIndicator	MISMOIndicator	BIT	NO	Indicates the mortgage is for resale-restricted, owner-occupied housing in which the rights, responsibilities, and benefits of residential property ownership are shared between individual homeowners and another party.
SignedAuthorizationToRequestTaxRecordsIndicator	MISMOIndicator	BIT	NO	Indicates that the IRS form (4506 or 4506T) that gives the lender the authority to request copies of tax records is present.
TaxRecordsObtainedIndicator	MISMOIndicator	BIT	NO	Indicates that the IRS form (4506 or 4506T) that gives the lender the authority to request copies of tax records has been executed by the lender.
TimelyPaymentRateReductionIndicator	MISMOIndicator	BIT	NO	Flag indicating if the loan is eligible for a rate reduction if payments are received in a timely manner.
TotalMortgagedPropertiesCount	MISMOCount	INTEGER	NO	The number of 1-4 unit properties that are financed and owned and/or obligated on by the borrower(s). A jointly owned/obligated property by multiple borrowers would count only once.
TotalSalesConcessionAmount	MISMOAmount	DECIMAL(0, 2)	NO	The sum total dollar amount of the value of all sales concessions granted by an interested party including such items as furniture, carpeting, decorator allowances, automobiles, vacations, securities, giveaways or other sales incentives
WarehouseLenderIndicator	MISMOIndicator	BIT	NO	An indicator denoting whether a Warehouse Bank is involved in the mortgage loan transaction through a relationship with the lender.

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