FR Y-14 Address Matching

FR Y-14M: Address Matching Loan Level Data Collection
Data Format
The BHCs shall provide the data each month in a single bar-delimited text file. Fields should be delimited
with a vertical bar (|, ASCII decimal 124, ASCII hexadecimal 7C). This will be a “month-end” file produced
each month and reported no later than thirty (30) calendar days after the end of the reporting
month. This file will contain one record per active loan in the contributor’s inventory.
For every loan reported on the Y-14M First Lien Closed-end 1-4 Family Loan or Home Equity Loan and
Home Equity Line of Credit Schedules, the BHCs shall provide the information set forth in this schedule.
Additional Formatting:
 Options for all fields are comprehensive identifying a valid value for all loans regardless of
status. If a value is Unknown or Unavailable the field should be left NULL - populated with a
sequence of two vertical bars (|, ASCII decimal 124, ASCII hexadecimal 7C) with no intervening
spaces or explicit N/A coding.
 No quotation marks should be used as text identifiers.
 Please do not provide a header row
Inactive inventory that was paid off in one manner or another (servicing transfer, involuntary liquidation
or paid-in-full by borrower) before the beginning of the reporting month should not be included.

No Name

Detailed Description

Allowed Values

Format

1

Loan
Number

An identifier for this loan that will be the
same from month to month. It must identify
the loan for its entire life and most be unique
(piggy-backs should be separated). It also
must be the same loan number that is
provided in the Loss Mitigation files.

A contributor-defined
alpha-numeric value up
to 32 characters.

Character(32)

2

Property
Street
Address

The street address associated with the
property. Must include street direction
prefixes, direction suffixes, and Unit Number
for condos and coops.

Text field.
Include street prefixes,
suffixes, and unit
number, e.g.:
123 E Main St # 123
123 Highway 79 South
Unit 567

Text

3

Property City

Text field

Text

4

Property
State

The city in which the property is located.
Contributors should be careful to provide the
property city (not the mailing state of the
borrower).
The state in which the property is located.
Contributors should be careful to provide the
property state (not the mailing state of the

Two-letter postal codes
for the state.

Character(2)

No Name

Detailed Description
borrower).
Nine-digit ZIP code of the property or fivedigit ZIP code if nine-digit is not available.
Please be sure to provide the property ZIP
code (not the mailing ZIP).

5

Property ZIP
code

6

Mailing
Street
Address

The borrower’s mailing street address. May
be the same as the Property address. Must
include street prefixes, suffixes, and Unit
Number for condos and coops.

7

Mailing City

8

Mailing
State
Mailing ZIP
Code

The borrower’s mailing city. May be the same
as the Property City.
The borrower’s mailing state. May be the
same as the Property State.
Nine-digit ZIP code of the mailing address or
five-digit ZIP code if nine-digit is not available.

9

10

Liquidation
Status

Whether and how the loan was paid-in-full.

11

Original Lien
Position

1st, 2nd, 3rd, etc.

12

Census Tract

Census tract of the property address.

Allowed Values

Format

Five-digit or nine-digit
number. Include leading
zeroes WITH NO DASHES,
e.g.:
00901
101015271
Text field.
Include street prefixes,
suffixes, and unit
number, e.g.:
123 E Main St Apt 123
123 Highway 79 South
Unit 567
Text field.

Numeric(5)

Two-letter postal codes
for the state.
Five-digit or nine-digit
number. Include leading
zeroes WITH NO DASHES,
e.g.:
00901
101015271
0 =Not paid-in-full
1 =Voluntary Payoff /
Refinance (includes
Property Sale)
2 = Involuntary
liquidation
3 = Servicing transfer
1 = First Lien
2 = Second Lien
3 = Third Lien

Character(2)

Census tract number,
provided in text format
including any leading
zeroes and the decimal
points if applicable.

Text

Text

Numeric (5)

Character(1)

Character(1)