FR Y-14M Domestic Home Equity Residential Mortgage

Capital Assessment and Stress Testing

FR_Y14M_Retail_Home_Equity_instructions_20120928

Domestic Home Equity Residential Mortgage & Address Matching - Monthly

OMB: 7100-0341

⚠️ Notice: This form may be outdated. More recent filings and information on OMB 7100-0341 can be found here:

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FR Y-14M: Home Equity Loan and Home Equity Line Data
Dictionary
Loan Population
•

•

The active loan population includes all loans/lines directly held on the BHC’s portfolio and all loans serviced by
the BHC in that period.
o Portfolio loans/lines are defined as all loans meeting the definition of FR Y-9C, Schedule HC-C, items
1.c.(1) (revolving, open-end loan secured by 1-4 family residential properties and extended lines of
credit) and 1.c.(2)(b) (junior lien closed-end loans secured by 1-4 family residential real estate) shall be
reported.
o Serviced loans/lines include those meeting the definition of loans reported in FR Y-9C, Schedule HC-S,
Item 1.(column B), Schedule HC-C, Item 1.c.(1) shall be reported, and home equity loans/lines meeting
the definitions of Schedule HC-S, Item M.2.d.
In addition to loans that are currently active during the reporting period, the following loans should also be
included:
o All inventory that has been transferred to another servicer, but only if transferred during the reporting
month.
o All inventory that was liquidated, but only if liquidated during the reporting month.

Additional Formatting
•
•

•

The collection includes both loan/line level and portfolio level variables.
The institutions should provide the loan/line level data each month in a single text file. This will be a “monthend” 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/line in the contributor’s inventory.
Institutions should provide a separate text file for the portfolio level variables. 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 portfolio segment. Portfolio segments are defined as:
1. Serviced – All serviced loans/lines
2. Portfolio HFI Purchased Impaired – All portfolio loans/lines held for investment and accounted for
in accordance with ASC subtopic 310-30; loans/lines and debt securities acquired with deteriorated
credit quality (formerly AICPA statement of position 03-3, accounting for certain loans/lines or debt
securities acquired in a transfer).
3. Portfolio HFI FVO / HFS – All portfolio loans/lines held for investment measured at fair value under
a fair value option or held for sale.
4. Other Portfolio – All portfolio loans/lines not measured at fair value and not purchase impaired
Options for all fields are comprehensive in identifying a valid value for all loans regardless of status. If a
mandatory field is unknown or unavailable and the field definition does not indicate ‘Unknown’ as a valid
field option, the field should be left NULL and it will be treated as missing data.
For any field with a format of ‘character’, please provide the code values as listed in the data dictionary. Do not
add a leading or trailing zero or any other character to the data unless specified. It is required that the data
formats and code values as listed in this document be strictly followed.
Example: A variable listed as Character(2) with a data value of 1 will be made available with a value of 1. It will
not be coded as 01 or or <1space> or any other combination.
Optional and best efforts fields are noted in the instructions in the table below.
Page 1 of 26

•
•
•
•

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 paidin-full by borrower) before the beginning of the reporting month should not be included.
The tables on the following pages give more information the fields that should be contained in each of the files.

File Naming Convention:
The standard data files which the Federal Reserve will receive from the data aggregator will follow the following file
naming conventions. BHCs will use this naming convention to send the data files to the data aggregator.
FRY14_HOMEEQUITY_LOANLEVEL___.TXT
FRY14_HOMEEQUITY_PORTFOLIOLEVEL___.TXT
SUBMISSION_NUMBER indicates the file received by the Federal Reserve, and will be populated as a two-digit number
NN (example: for the first submission for a particular period, use 01. If the bank has to resubmit the same file, then use
02 for the next submission, and so on).
In the case of the First Lien, Home Equity, and Address Matching Schedules, the BHCs should provide the data each
month in a single bar‐delimited text file. This is also referred to as a pipe‐delimited text file. Fields should be delimited
with a vertical bar (|, ASCII decimal 124, ASCII hexadecimal 7C).
Example:
Institution A has ID_RSSD equal to 999999. For the Home Equity Loan level data file submitted for period 201206, the
file would be named as FRY14_HOMEEQUITY_LOANLEVEL_999999_201206_01.TXT. Any subsequent revised Home
Equity Loan level file submitted by the institution for the same period will be named as
FRY14_HOMEEQUITY_LOANLEVEL_999999_201206_02.TXT, and so on.

Loan / Line Level Table
Field
No.

Name

Detailed Description

Allowed Values

Format

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 must be unique (piggy-backs
should be separated)

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

Character (32)

If the BHC is already submitting data to the OCC
as part of the OCC Mortgage Metrics Data or OCC
Home Equity Data, it is required that the BHC use
the same loan number for the FR Y‐14M data
schedules.
Please note that the FR Y‐14M data population
may include additional loans, which may not be
part of the OCC data sample, and for such loans

Page 2 of 26

Field
No.

Name

Detailed Description

Allowed Values

Format

the general requirements listed in the schedule
instructions will be applicable. Overall, the entire
data file sent by a BHC should have unique loan
numbers across the entire submission.
2

Loan Closing Date

Loan Closing Date – The date the loan originally
closed. Will use this date to determine the loan’s
vintage.

YYYYMMDD

First Payment Date

First Payment Date - The date the borrower was
scheduled to make the first payment on the loan,
or first started making payments on the loan.

YYYYMMDD

Property State

Property State – The state in which the property
is located. Please be sure to provide the state
where the property is located and not the billing
address as the two may differ for non-Owner
Occupied properties and second/vacation homes.

Two-letter postal codes
for the state

Character(2)

Property ZIP Code

Property Zip - Five-digit ZIP code. Be sure to
provide the property ZIP code (not the billing
address).

Five-digit number.
Include leading zeroes,
e.g.:
00901, 10101

Character(5)

Original Loan
Amount

Original Loan Amount - The dollar amount of the
funds disbursed to the borrower at the time of
loan closing.

e.g. 125000 for
$125,000.00

Whole
Number

e.g. 125000 for
$125,000.00
Use banker’s rounding.

Whole
Number

Amount of loan rounded to the nearest whole
dollar
Report the dollar amount of the funds disbursed
to the borrower at the time of loan closing. This
data should be available either in BHCs' loan
origination systems or loan servicing systems, and
must be populated.
7

Original Loan / Line
Amount

Original Loan / Line Amount – The dollar amount
of the funds disbursed to the borrower at the
time of loan closing. For lines of credit, provide
the total credit line available at origination NOT
the original draw.
Note: For the Original Loan Amount field (Field
#6) provide the actual amounts dispersed to the
borrower at origination. For the Original
Loan/Line Amount field (Field #7) include the
total credit line available at origination (i.e., the

Page 3 of 26

Field
No.

Name

Detailed Description

Allowed Values

Format

e.g. 125000 for
$125,000.00

Whole
Number

Provide as a decimal.
E.g.:
0.8 for 80%
1.05 for 105%
Please populate with
NULL if unavailable

Numeric, to 2
decimals.
Please see
"Allowed
Values"

Income Documentation
Coding
1 Full
2 Alt/Low –Lender
3 Alt/Low – Borrower
4 Alt/Low - Unknown
5 Stated – Lender
6 Stated – Borrower
7 Stated – Unknown

Character (1)

Total commitment), not the actual amount drawn
as in Field #6. For HELOANs, the two fields will be
the same value.

Original Property
Value

Original Combined
LTV

Original Property Value – The property value in
dollars at the time the loan was originated,
defined as the lesser of selling price or the
appraised value of the property securing the loan
at origination.
This field may be provided on a best efforts basis
for loans serviced for others and loans acquired
through mergers and acquisitions.
Original Combined LTV – The original combined
loan-to-value (LTV) ratio is the original amount of
the home equity loan (or credit line), in addition
to any senior liens, divided by the property value
at the time of loan origination.
The committed loan amount (considering all
senior liens and the subject loan) divided by the
property value at the time of the HE origination.

Income
Documentation

Describes how the borrower’s income levels were
documented at time of origination.
• Full – The borrower provided full verification of
income levels via W2, pay stubs, tax returns, etc.;
assets were verified; and other underwriting
criteria were documented.
• Alt / Low - The mortgages qualified and
underwritten under lender programs designed
without requiring verification of employment,
assets, mortgage/rental history and/or DTI of the
borrower. This categorization applies to any
combination of the aforementioned limited
documentation standards, excluding Stated
Income programs.
• Stated - Stated Income includes all mortgages
where the borrower was qualified for approval
based on representation of income, without
direct verification of either the source or amount
of said income by the lender. Assets were not
verified.
This field may be provided on a best efforts basis
for loans serviced for others and loans acquired

Page 4 of 26

Field
No.

Name

Detailed Description

Allowed Values

Format

Whole Number

Whole
Number

Whole Number

Whole
Number

The credit score of the
borrower at origination
using the FICO scaling
from 300 to 899.
Provide as a whole
number, e.g.:759

Whole
Number

through mergers and acquisitions.
Note:
The “Alt/Low - Lender” or "Stated - Lender"
categories should be used for those situations in
which the BHC’s automated underwriting system
suggested to a particular customer a low/no doc
or stated income loan.
“Alt/Low - Borrower” or "Stated - Borrower"
refers to situations in which a borrower
him/herself requested a low/no doc loan or a
broker suggested one.
We do request you to sub‐classify. If you do not
know how to sub-classify them, report using the
"7 Stated Unknown" option.
11

Debt to Income
(DTI)-Back end

Debt to Income (DTI) - The total monthly liabilities
of the borrower, including the debt on the subject
property, divided by the total monthly income of
the borrower(s).
This field may be provided on a best efforts basis
for loans serviced for others and loans acquired
through mergers and acquisitions.
Note, both Field #11 (Debt to Income DTI –BackEnd) and Field #12 (Debt to Income DTI ‐ FrontEnd) should be provided as measured at
origination.

Debt to Income
(DTI) - Front end

Debt to Income (DTI) - The monthly principal,
interest, tax, insurance (PITI) payment divided by
the borrower(s) gross monthly income.
Both Field #11 (Debt to Income DTI – Back-End)
and Field #12 (Debt to Income DTI ‐ Front-End)
should be provided as measured at origination.

Original FICO

FICO Score – original
The credit score of the borrower at origination
using the FICO scaling from 300 to 899.
The statistically calculated credit score of all
borrowers developed by the Fair Isaac
Corporation used to evaluate the
creditworthiness of the borrower. The FICO score
can be based on the credit bureau service the
institution uses as its source. Original FICO

Page 5 of 26

Field
No.

Name

Detailed Description

Allowed Values

Format

The current credit score
of the borrower using
the FICO scaling from
300 to 899.

Whole
Number

reflects the score upon which the mortgage
underwriting decision was based.

Current FICO

Current FICO – The Current FICO reflects the
refreshed score based on the Fair Isaac
calculation.
The most recently determined FICO score of the
borrower.
This field is optional for all loans.

Provider as a whole
number, e.g.: 723

Occupancy

Owner Occupancy Flag – Report all instances
where the borrower owns and occupies the
property securing the loan or line.
Note: Report the occupancy status at origination.

Occupancy Coding
1 = Primary
2 = Second Home
3 = Non Owner /
Investment
U = Unknown

Character(1)

Lien Position at
Origination

Lien Position at Origination – The position of this
loan relative to any additional liens on the
property.

1 = First lien
2 = Second lien
3 = Third lien or greater
U = Unknown

Character(1)

1 = Home Equity Loan
2 = Home Equity Line of
Credit
3 = Other

Character(1)

1 = one unit
2 = two units
3 = three units
4 = four units
U = Unknown

Character(1)

1 = SFR
2 = Condo
3 = Co-Op
4 = 2-4 Units
5 = Townhouse

Character(1)

If there are no additional liens, loan is in first
position. If lien position is greater than 3, then
code as 3.
17

Home Equity Line
Type

Home Equity Line Type
• Home Equity Loan – Traditional fixed term
second mortgages with no draw feature
• Home Equity Line of Credit – The borrower may
access an available credit line through draw
features. Lines of credit balances may have fixed
term, locked or amortizing portions.

Number of Units

Property Type

Number of units to the property – Provide the
number of units of the property. If the actual
number of units is not available for multi-family
properties please code this field with a U.
This field may be provided on a best efforts basis
for loans serviced for others and loans acquired
through mergers and acquisitions.
Indicate the type of the property

Page 6 of 26

Field
No.

Name

Detailed Description

Allowed Values

Format

6 = PUD
7 = 5+ Units
E = Commercial
F = Mixed Use
M = Manufactured
Housing
Z = Other
U = Unknown
20

Interest Type at
Origination

Interest Type at Origination
• Fixed – Loans where the interest rate is fixed for
the entire term.

1 = Fixed
2 = Variable

Character(1)

Y=Yes
N=No
U=Unknown

Character(1)

N = Was not I/O in
reporting month
Y = Was I/O in reporting
month
U = Unknown

Character(1)

1 = Retail (Branch,
Internet)
2 = Wholesale
3 = Correspondent
4 = Servicing Rights
Purchased
5 = Bulk Purchased
6 = Wealth Management
/ Private Banking
U = Unknown

Character(1)

• Variable – Loans where the interest rate
fluctuates based on a spread to an index. Include
all variable rate loans regardless of whether there
is an initial fixed period.
21

Interest Only at
Origination

Interest Only at Origination – Indicates whether
the required minimum payment at origination
was equal to the interest due on the loan in the
reporting month.
Indicates whether the loan required interest only
at origination. That is, at origination, was the
minimum monthly payment for the loan just
interest.

Interest Only in
Reporting Month

Interest Only in Reporting Month – Identifies
whether the minimum payment in the reporting
month represents only the interest due on the
loan.
Indicates whether the loan required interest only
for the reporting month. That is, at end-of-month
for the reporting month, was the minimum
monthly payment for the loan just interest.

Loan Source

Loan Source – Identifies the source by which the
servicer originated or otherwise acquired the
loan. At the servicer's discretion, acquired
servicing may be reported as retail, broker, or
correspondent originations to the extent the
information is available.
• Retail – Report all loans originated through the
reporting institution’s retail, including branch or
internet, production channel.
• Wholesale (Broker) - Report all loans originated

Page 7 of 26

Field
No.

Name

Detailed Description

Allowed Values

Format

1 = Prime
2 = Alt-A
3 = Non-prime
4 = Government Owned

Character(1)

through the reporting institution's
wholesale/broker production channel. Report as
broker originated all third-party originated loans
where the bank cannot distinguish between
broker and correspondent originated.
• Correspondent - Loans acquired through the
reporting institution's correspondent production
channel. This includes all whole loans purchased
on a recurring basis (flow) from another
correspondent institution, eligible for
securitization into the secondary markets or
portfolio retention on the bank's balance sheet.
Report as broker originated all third-party
originated loans when the bank cannot
distinguish between broker and correspondent
originated.
• Servicing Rights Purchased - Refers to a
separately negotiated purchase of mortgage
servicing rights (PMSR) from a third party. When
the servicer cannot distinguish between bulk
whole loan and bulk servicing acquisitions, the
servicer should report all of these acquisitions
consistently in the category that represents the
majority of the servicer's acquisitions. Note: This
reporting category applies exclusively to the
Servicing Portfolio.
• Bulk Purchase – Pools of whole loans purchased
from a third party originator either to securitize
or retain in the bank-owned portfolio.
Acquisitions for the Servicing Portfolio in this
manner are typically negotiated as one-time
transactions between a Mortgage Institution and
an independent third party originator (Mortgage
Company or Correspondent). Report all bulk
acquisitions and correspondent flow acquisitions
as correspondent originated when the institution
cannot distinguish between these categories.. Do
not label bank acquisitions as Bulk Purchases.
• Wealth Management/Private Banking – report
all loans originated through a servicer’s private
wealth management or private banking division.
24

Credit Class

Credit Class – Servicer defined Prime, Alt-A and
Non-prime designation.
Please note that this is a servicer defined field.

Page 8 of 26

Field
No.

Name

Detailed Description

Allowed Values

Format

1 = Securitized
2 = Portfolio
3 = Serviced For Others
4 = Other

Character(1)

Whole Number

Whole
Number

Whole Number

Whole
Number

Note: Many government programs are
constructed outside the conventional market
where these definitions apply. For this reason, we
have added a new code value of '4' for
government loans, since they are difficult to
classify within these definitions.

Although the Credit Class fields in the FR Y-14M
First Lien and Home Equity schedules allow
servicer-defined categories of Prime, NonPrime and Alt-A mortgages, these definitions
should be consistent across time periods within
a single FR Y-14M submission and consistent
across multiple FR Y-14M submissions
submitted over time.
25

Loan / Line Owner

Loan / Line Owner – Identifies the investor of the
loan
• Securitized – Loans securitized by private or
public issuers.
• Portfolio – Loans owned and held on the bank’s
balance sheet. Include both Held for Sale or Held
for Investment in this category.
• Serviced For Others – Loans that are not
contained in securitizations and are owned by a
party other than the bank.

ARM Initial Rate
Period

ARM initial rate adjustment period (In months)
Initial fixed principal and interest payment period
in months for adjustable rate hybrid loans.
The ARM fields are applicable to any loan or line
of credit for which interest rate can adjust. For
HELOCs in particular, use these fields to report
caps and floors on the line’s interest rate as well
as margins and rate indexes that are used to
calculate the line’s monthly interest rate.

ARM Payment
Reset Frequency

Payment reset frequency for adjustable rate loans
in months.
The ARM fields are applicable to any loan or line
of credit for which interest rate can adjust. For
HELOCs in particular, use these fields to report
caps and floors on the line’s interest rate as well
as margins and rate indexes that are used to

Page 9 of 26

Field
No.

Name

Detailed Description

Allowed Values

Format

1 – 480, 999

Whole
Number

07 = COSI - Cost of
Savings Index
10 = Tbill Unknown Type
11 = Tbill 3mo
12 = Tbill 6mo
13 = Tbill 1yr
14 = Tbill 3yr
15 = Tbill 5yr
1Z = Tbill Other
20 = COFI Unknown
Type
21 = COFI 11D
22 = COFI NM
2Z = COFI Other
30 = LIBOR Unknown
Type
31 = LIBOR 3mo
32 = LIBOR 6mo
33 = LIBOR 1yr
3Z = LIBOR other
40 = FHLBB Ntl Mtg Rt
50 = Bank Prime Rate
60 = Certificate of
Deposit
70 = FNMA/FHLMC
80 = MTA(Moving
Treasury Avg)
81 = LAMA(LIBOR
Annual Moving Avg)
ZZ = Other
UU = Unknown

Character(2)

calculate the line’s monthly interest rate.

Allowable Draw
Period

Draw Period – For lines of credit only, the
duration in months (starting with the origination
date) during which the borrower has the ability to
make withdrawals against the credit line.
Important: Leave NULL for home equity loans.
Draw period expressed in months
A value of “999” can be reported in this field for
“Evergreen” lines.
Note: Use a value of 999 if the borrower is always
allowed to draw on the account, as in the case of
“evergreen” accounts

Arm Index

The published financial index name used to
determine the interest rate.
The ARM fields are applicable to any loan or line
of credit for which interest rate can adjust. For
HELOCs in particular, use these fields to report
caps and floors on the line’s interest rate as well
as margins and rate indexes that are used to
calculate the line’s monthly interest rate.

Page 10 of 26

Field
No.

Name

Detailed Description

Allowed Values

Format

ARM Margin at
Origination

ARM margin
Represents margin for adjustable rate loans
Report the rate that is added to the index to
determine the monthly interest rate at
origination of the loan.

Provide as a fraction.
E.g.:
0.0575 for 5.75%

Numeric, to 5
decimals.
Please see
"Allowed
Values"

Provide as a fraction.
E.g.:
0.0575 for 5.75%

Numeric, to 5
decimals.
Please see
"Allowed
Values"

Provide as a fraction.
E.g.:
0.0575 for 5.75%

Numeric, to 5
decimals.
Please see
"Allowed
Values"

Provide as a fraction.
E.g.:
0.0575 for 5.75%

Numeric, to 5
decimals.
Please see
"Allowed
Values"

Provide as a fraction.
E.g.:
0.0575 for 5.75%

Numeric, to 5
decimals.
Please see
"Allowed
Values"

ARM periodic rate
cap

ARM Periodic Rate
Floor

Absolute rate floor (not spread from original)

ARM Lifetime Rate
Cap

ARM Lifetime Rate
Floor

The ARM fields are applicable to any loan or line
of credit for which interest rate can adjust. For
HELOCs in particular, use these fields to report
caps and floors on the line’s interest rate as well
as margins and rate indexes that are used to
calculate the line’s monthly interest rate.
ARM Lifetime Rate Cap
Represents lifetime interest rate for adjustable
rate mortgages. Absolute rate cap (not spread
from original)
The ARM fields are applicable to any loan or line
of credit for which interest rate can adjust. For
HELOCs in particular, use these fields to report
caps and floors on the line’s interest rate as well
as margins and rate indexes that are used to
calculate the line’s monthly interest rate.
ARM Lifetime Rate Floor
Represents minimum lifetime interest rate for
adjustable rate mortgages. Absolute rate floor
(not spread from original)
The ARM fields are applicable to any loan or line

Page 11 of 26

Field
No.

Name

Detailed Description

Allowed Values

Format

Provide as a fraction.
E.g.:
0.0575 for 5.75%

Numeric, to 5
decimals.
Please see
"Allowed
Values"

Provide as a fraction.
E.g.:
0.0575 for 5.75%

Numeric, to 5
decimals.
Please see
"Allowed
Values"

Whole Number
Allowable values: 0 –
600

Whole
Number

N = Not in bankruptcy in
reporting month
Y = In bankruptcy in
reporting month

Character(1)

of credit for which interest rate can adjust. For
HELOCs in particular, use these fields to report
caps and floors on the line’s interest rate as well
as margins and rate indexes that are used to
calculate the line’s monthly interest rate.
35

ARM Periodic Pay
Cap

Represents cap on monthly payments for
adjustable rate mortgages.

ARM Periodic Pay
Floor

Original Loan/Line
Term

The ARM fields are applicable to any loan or line
of credit for which interest rate can adjust. For
HELOCs in particular, use these fields to report
caps and floors on the line’s interest rate as well
as margins and rate indexes that are used to
calculate the line’s monthly interest rate.
Original Loan Term – The term in months
on the original loan/line.
Note: The Original Loan Term field (Field #37) is
intended to be reported for both
Home equity loans and lines of credit.
For a line of credit, the original loan term should
be the combined draw period and the amortized
repayment period.
Note: Do not change the original loan term in the
case of loan modifications. This field is intended
to capture the loan term at loan origination.
For loans in which there is no end date for the
draw period (e.g., "Evergreen" loans) use the
value '999'.
A value of “999” can be reported in this field for
“Evergreen” lines.

Bankruptcy Flag

Bankruptcy flag – Whether the borrower is in
bankruptcy as of the end of the reporting month.
Flag all loans where the servicer has been notified
of the borrower’s bankruptcy declaration.

Page 12 of 26

Name

Detailed Description

Allowed Values

Format

Next Payment Due
Date

Next payment due date – The due date for the
next outstanding payment on the loan. For
delinquent loans this date will be in the past.

YYYYMMDD

Original Interest
Rate

Original Interest Rate – The annual percentage
rate as specified on the note at the time of
origination.

Provide as a fraction.
E.g.:
0.0575 for 5.75%

Numeric, to 5
decimals.
Please see
"Allowed
Values"

Current Interest
Rate

Current Interest Rate – The annual percentage
rate of the loan as of the last day of the reporting
month.

Provide as a fraction.
E.g.:
0.0575 for 5.75%

Interest Type in
Current Month

Interest Type in Current Month – Identifies the
interest type in the reporting month.

1 = Fixed
2 = Variable

Numeric, to 5
decimals.
Please see
"Allowed
Values"
Character(1)

Principal and
Interest (P&I)
Amount Current

Principal and Interest (P&I) Amount Current –
Report the scheduled principal and interest due
from the borrower in the reporting month.

Whole Number
e.g.,

Field
No.

Note: This field should contain scheduled
principal and interest due from the borrower in
the reporting month. If it is in the interest only
period, then the interest only payment would be
used. Do not include past due amounts.
44

Principal Balance

Unpaid Principal Balance – Current unpaid
balance at the end of the reporting month
rounded to the nearest dollar. This amount does
not include any charge-offs, discounts or other
accounting marks. It should only be reduced to
zero when:

Whole
Number

5123 for $5,122.81
Use banker’s rounding.

e.g, 125000 for
$125,000.00
Use banker’s rounding.

Whole
Number

• For loans: when the loan has been liquidated –
either paid-in-full, charged-off, REO sold or
Service transferred
• For lines: either when the loan has been
liquidated or when the credit line is not being
utilized by the borrower.

Page 13 of 26

Name

Detailed Description

Allowed Values

Format

Monthly Draw
Amount

For home equity line of credit accounts, the total
amount drawn during the month.

e.g, 125000 for
$125,000.00
Use banker’s rounding.

Whole
Number

Current Credit
Limit

Current Credit Line Amount – For lines of credit,
the total credit line currently available to the
borrower. Important: Leave NULL for home
equity loans.

e.g, 125000 for
$125,000.00
Use banker’s rounding.

Whole
Number

Loan Status (MBA
method)

Status of borrower payments (Current, 30, 60, 90
etc.) of loan. PLEASE NOTE: Indicators of
Foreclosure, Bankruptcy and REO are also carried
in this field.

C = Current
3 = 30 days
6 = 60 days
9 = 90+ days
F = FC
R = REO
T = Terminated
Reporting
S = Servicing Sold
Release
0 = Paid off
U = Unknown

Character(1)

Field
No.

Note: The code value of T=Terminated Reporting
is intended to keep track of loans which were part
of the previous month’s submission, and no
longer available in current month’s file. Such
missing loans which are neither paid off nor
liquidated in the current month will be captured
by this code. As an example, if a loan has been
sent to a collections agency in the reporting
period, but not charged off or transferred to
other servicer, it would be captured under this
code value.
In the case of loan which has been charged off
and not moved to REO, the following codes will
apply ‐ Paid in Full Coding (Field #52) will have a
code value of 0: Not Paid in Full, and Liquidation
Status (Field #54) will have a code
value of 2: involuntary liquidation, which includes
charge off.
48

Foreclosure
Referral Date

Foreclosure Referral Date – Provide the date that
the loan was referred to an attorney for the
purpose of initiating foreclosure proceedings. This
date should reflect the referral date of currently
active foreclosure process. Loans cured from
foreclosure should not have a referral date.

YYYYMMDD

Foreclosure Sale
Date

Report the date that the foreclosure sale occurs
on the subject property. This is typically the end
of the foreclosure process, unless the borrower is
in a state that allows for the right of redemption.
Note: If a loan is not in foreclosure, then the
Foreclosure Sale Date field, Foreclosure Referral
Date field should be blank, i.e. null value. Do not
populate this field with a 0 date value, or with any
other value.

YYYYMMDD

Page 14 of 26

Field
No.

Name

Detailed Description

Allowed Values

Format

Populate the date for any loan that has
completed foreclosure sale whether or not the
title was acquired by the bank. For the borrower
that is in a state that allows for right of
redemption, you should still report the
appropriate foreclosure sale date on that loan.

Pre-payment
Penalty Flag

Pre-payment Penalty Flag - A flag to indicate if the
loan carries a penalty if the borrower prepays the
loan during a specified period of time.

Y=Yes
N=No
U=Unknown

Character(1)

Pre-Payment
Penalty Term

Pre-Payment Penalty Term (In Months)

Whole number in
months. E.g.,
36 for 36 months (3
years).

Whole
Number

Paid-in-full coding

Indicates whether and how the loan was paid in
full

0 = Not Paid-In-Full
1 = Paid-In-Full This
Month by home owner
2 = Foreclosure
Completed This Month
3 = Servicing Transferred
This Month

Character(1)

0 = Not in foreclosure
1 = In foreclosure, presale
2 = Post-sale
foreclosure,
Redemption, non-REO
(if available, otherwise
REO)
3 = REO

Character(1)

The time period from loan origination that a
prepayment penalty applies (if applicable).

Provide the method for any loan that was paid-infull during the reporting month.
• Paid-in-full this month by home owner – Code
all instances where the loan has been paid in full
by the borrower either through refinance of the
mortgage, sale of the property or principal
payment in full.
• Foreclosure Completed This Month
• Servicing Transfer – Code all instances where
the servicing of the mortgage has been
transferred or sold to another institution during
the reporting month.
53

Foreclosure Status

Foreclosure Status – Identifies the current
foreclosure status as of the end of the reporting
month.
• In foreclosure, pre-sale – Coded for any
mortgage that has been referred to an attorney
for loss mitigation proceedings but has not yet
gone to foreclosure sale.
• Post-sale Foreclosure – Coded for any loan
where the bank has obtained title at foreclosure
sale, but the property is not yet actively being

Page 15 of 26

Field
No.

Name

Detailed Description

Allowed Values

Format

0 = Not paid-in-full
1 = Voluntary payoff
2 = Involuntary
liquidation (foreclosure)
3 = Servicing transfer

Character(1)

YYYYMMDD
Do not populate for
loans that have not
been modified.

YYYYMMDD

0 = Loan does not have
an active repayment
plan as of month-end
and did not have the
terms of a repayment

Numeric

marketed. Typically this will include loans that are
in redemption or being repaired. If this
information is not available, please code the loan
as OREO.

Liquidation Status

• REO – Coded for any mortgage where the bank
has obtained title at foreclosure sale and the
property is on the market and available for sale.
Also code instances where the bank has obtained
title but the availability for sale is not known.
Liquidation Status – Provide the liquidation
method for any loan that was liquidated during
the reporting month.
• Not Paid In Full – Coded for any home equity
loans having an outstanding balance as of monthend as well as all active lines of credit.
• Voluntary Payoff – Code all instances where the
loan has been paid in full by the borrower either
through refinance, sale of the property or
principal payment in full.
• Involuntary Liquidation – Code all instances
where the loan has been liquidated either
through foreclosure proceedings or another
settlement option resulting in incomplete
repayment of principal. Include short-sales,
charge-offs, as well as REO liquidations.
• Servicing Transfer – Code all instances where
the servicing of the loan has been transferred or
sold to another institution during the reporting
month.

Troubled Debt
Restructure

Troubled Debt Restructure – A date designating
when a modified loan was classified as a Troubled
Debt Restructuring (TDR).
In accordance with FAS 114
Note: This field should only be populated for
loans with a value in Field #77 Modification Type
indicating that a loan has been modified.

Repayment Plan
Performance
Status

Repayment Plan Performance Status – This field
tracks the performance of repayment and stip-tomod plans. If a repayment plan or stip-to-mod
was completed successfully during the month it
should be coded as such in the work-out type

Page 16 of 26

Field
No.

Name

Detailed Description

Allowed Values

completed field and under the following:

plan broken or cancelled
1 = Stip to Mod Active
2 = Stip to Mod Broken
3 = Repayment Plan
Active
4 = Repayment Plan
Broken
5 = Repayment Plan
Cancelled by Servicer
6 = Repayment Plan
Cancelled at borrower’s
request
7 = 2MP/HAMP Trial
Period Active
8 = 2MP/HAMP Trial
Broken
9 = 2MP/HAMP Trial
Cancellation

• Code as a zero any loan that does not have an
active repayment plan as of month-end and did
not have the terms of a repayment plan cancelled
or broken during the month.
• Stip-to-Mod Active – The borrower is
performing as scheduled on a stipulated
repayment agreement that, if successful will
result in a modification.
• Stip-to-Mod Broken – The borrower has broken
the terms specified by a stip-to-mod agreement
and the modification was not executed.
• Repayment Plan Active – The borrower is
performing as scheduled according to the terms
of an executed repayment plan.

Format

• Repayment Plan Broken – The borrower has
defaulted on the terms of an executed repayment
plan during the month.
• Repayment Plan Cancelled by Servicer – The
borrower was on a repayment plan that was
cancelled by the servicer during the month.
• Repayment Plan Cancelled at Borrower’s
Request – The borrower was on a repayment plan
that was cancelled at their request during the
month.
• 2MP/HAMP Trial Period Active – Report all 2MP
or HAMP program pre-modifications that are
performing as scheduled under a trial period plan
and the plan is not broken. The Trial is defined as
Active when the borrower makes the first
required trial payment.
• 2MP/HAMP Trial Broken – Report all 2MP or
HAMP program pre-modifications where the
borrower has not complied with the terms of the
schedule such that the modification will not be
executed.
• 2MP/HAMP Trial Cancellation – The 2MP or
HAMP Trial was cancelled due to borrower
ineligibility or other reason.

Page 17 of 26

Field
No.

Name

Detailed Description

Allowed Values

Format

Capitalization

Capitalization – Capitalization is defined as
instances where accrued and/or deferred
principal, interest, servicing advances, expenses,
fees, etc. are capitalized into the unpaid principal
balance of the modified loan. If accrued and/or
deferred principal, interest, servicing advances,
expenses, fees, etc. are capitalized into the
unpaid principal balance during modification this
field should be “Y” otherwise it should be “N”.

N = No
Y = Yes

Character(1)

This field should only be populated for loans with
a value in Field #77 Modification Type indicating
that a loan has been modified.
58

Interest Rate
Frozen

Interest Rate Frozen - Report on all loans where a
floating interest rate was frozen at a fixed rate. If
the loan was an adjustable rate and it was
converted to a fixed rate during modification
process this field should be “Y” otherwise it
should be “N”.

N = No
Y = Yes

Character(1)

Principal Deferred

Principal Deferred - Report on any loans where
principal payment or amortization has been
deferred to a later date. If where principal
payment or amortization has been deferred to a
later date during modification process this field
should be “Y” otherwise it should be “N”.

N = No
Y = Yes

Character(1)

This field should only be populated for loans with
a value in Field #77 Modification Type indicating
that a loan has been modified
60

SOP 03-3 Status

SOP-03-03 - Identify any loans that are accounted
for under SOP-03-03 purchase accounting. If the
loan is accounted for under SOP-03-03 purchase
accounting this field should be “Y” otherwise it
should be “N”. Note: None of the records should
contain a NULL.

N = No
Y = Yes

Character(1)

Workout Type
Completed /
Executed

Workout Type Completed / Executed – The type
of loss mitigation activity.

0 = No Workout Plan
Performed
1 = Modification
2 = Payment Plan
3 = Deed in Lieu
4 = Short Sale
5 = Stipulated
Repayment / stip to
mod

Numeric

This field should be coded for any loan where a
loss mitigation effort has been successfully
completed in the current month. Successful
completion is defined as the closing of loss
mitigation activities where the borrower has no
remaining delinquent obligations to the servicer.

Page 18 of 26

Field
No.

Name

Detailed Description

Allowed Values

The field should be coded in only the reporting
month when the workout type was completed
and not in subsequent months.

6 = Do not Use
7 = Settlement
8 = Other

Format

Note: The Field Workout Type Completed should
only be coded for any loan where a loss
mitigation effort has been successfully completed
in the current month. Code value of 0 should be
entered only in the case where no workout is
completed or there is an unsuccessful resolution
of a loss mitigation effort. Do not enter a code
value of 0 if loss mitigation efforts are ongoing
but not completely resolved. For the cases where
loss mitigation efforts are ongoing but not
completely resolved, this field should be left
blank. Also, if a loan has never been in loss
mitigation, the value should be left blank.
62

First Mortgage
Serviced In House

First Mortgage Serviced In House – Report any
instance where the first mortgage associated with
the home equity loan/line is serviced by your
bank.. Leave NULL for any first lien home equities.

Settlement
Negotiated
Amount

Settlement Negotiated Amount –
The settlement amount (portion of the
outstanding UPB) agreed to be paid by the
customer

N = No the first
mortgage is not serviced
in house
Y = Yes, the first
mortgage is serviced in
house.
e.g, 125000 for
$125,000.00
Use Banker’s Rounding

Character(1)

N = No the line of credit
was not frozen
Y = Yes the line of credit
was frozen in the
reporting month

Character(1)

Whole
Number

For any loan or line where the “Settlement”
option is selected under the Workout Type
Completed / Executed field, populate the total
outstanding portion of the UPB that the borrower
has agreed to pay.
64

Credit Line Frozen
Flag

Credit Line Frozen Flag –
Flag to indicate line of credit frozen in the
reporting month.
Identifies any line of credit that is in its draw
period where the credit line has been temporarily
frozen, allowing no further draws or increase in
principal balance outstanding, in the reporting
month. This field should continue to be coded as
“Y” for any month the credit line remains frozen
until paid in full or the line is reinstated.
Important: Leave NULL for home equity loans.
Note: Credit line frozen and credit line closed are
separate actions and need to be coded as such.
Do not code a closed account as frozen unless

Page 19 of 26

Field
No.

Name

Detailed Description

Allowed Values

Format

e.g, 125000 for
$125,000.00
Use Banker’s Rounding

Whole
Number

e.g, 125000 for
$125,000.00
Use Banker’s Rounding

Whole
Number

YYYYMMDD

e.g, 125000 for
$125,000.00
Use Banker’s Rounding

Whole
Number

that specific action was taken.
Frozen is meant to be a temporary situation due
to a decrease in property value or short term
delinquency, and eventually can have their line
“unfrozen”.
65

Locked Amount –
Amortizing – LOC

Locked Amount – Amortizing – LOC –
Amount of credit line that has been locked and is
now amortizing.
For lines of credit, populate this field with the
total dollar amount of the outstanding principal
balance that has been “locked’ and is now
amortizing under independent loan terms.
Important: Leave NULL for any home equity loan.
Also leave NULL for any line of credit that does
not have a lockout feature. If a line of credit has
a lockout feature and no balance is locked, the
field should contain a zero.

Locked Amount –
Interest Only – LOC

Locked Amount – Interest Only – LOC –
Amount of credit line that has been locked.
(Interest Only)
For lines of credit, populate this field with the
total dollar amount of the outstanding principal
balance that has been locked as an interest only
loan operating under independent terms.
Important: Leave NULL for any home equity loan.
Also leave NULL for any line of credit that does
not have a lockout feature. If a line of credit has
a lockout feature and no balance is locked, the
field should contain a zero.

Repayment Plan
Start Date

Repayment Plan Start Date –

Actual Payment
Amount

Actual Payment Amount – The actual dollar
amount of the payment received in the reporting
month.

Date repayment plan was entered into.
Indicates the date on which the terms of a loss
mitigation repayment plan were agreed upon and
initiated between the borrower and servicer.

Page 20 of 26

Field
No.

Name

Detailed Description

Allowed Values

Format

Lockout Feature
Flag

Lockout Feature Flag – Lines of credit that have a
lockout feature

N = No
Y = Yes

Character(1)

N = No
Y = Yes

Character(1)

Report any line of credit that contains a “lockout” feature whereby a portion of the
outstanding principal balance on a line may be
locked into an amortizing or interest only loan
with separate terms. Important: This field should
contain null for home equity loans. For Home
equity lines of credit this field should only contain
the values “Y’ or ‘N’.
70

Credit Line Closed
Flag

Credit Line Closed Flag – Identifies any line of
credit that is in its draw period where the credit
line has been closed, allowing no further draws or
increase in principal balance outstanding. The
status code should remain on the line until paid in
full. Important: Leave NULL for home equity
loans.
Note: A closed line is one where borrower will
never regain use of the draw.

Rate reduction

Rate reduction – The interest rate on the loan
was lowered.
If the interest rate was lowered on the loan
through modification this field should be “Y”
otherwise it should be “N”. Note: None of the
records should contain a NULL

N = No
Y = Yes

Character(1)

Term modification

Term modification - A term modification is one in
which there was a change to the rate reset date
balloon feature and/or maturity date.
If the rate reset date balloon feature and/or
maturity date was changed through a
modification this field should be “Y” otherwise it
should be “N”. Note: None of the records should
contain a NULL.

N = No
Y = Yes

Character(1)

Principal Writedown

Principal Write-down - Report all loans where an
adjustment to the unpaid principal balance has
occurred.

N = No
Y = Yes

Character(1)

If adjustment to the unpaid principal balance has
occurred through a modification this field should
be “Y” otherwise it should be “N”.
This field should only be populated for loans with
a value in Field #77 Modification Type indicating
that a loan has been modified.

Page 21 of 26

Field
No.

Name

Detailed Description

Allowed Values

Format

Line Reage

Line of Credit has been reaged, but terms have
not been formally modified.

N = No
Y = Yes
If record is loan please
leave blank (NULL)

Character(1)

N = No
Y = Yes
If record is line please
leave blank (NULL)

Character(1)

Provide as a decimal.
E.g.:
0.511 for 51.1%
Please populate with
NULL if unavailable

Numeric, to 2
decimals.
Please see
"Allowed
Values"

This field should be “Y” for lines that have been
reaged but are not in active loss mitigation.
If the line is not either modified or reaged, or this
is a loan this value should be omitted (NULL).
Note: The fields Line Reage and Loan Extension
should be populated with a “Y” value if the line or
loan has ever been reaged or extended. These
fields should carry forward from month to month
and reflect the inventory of reages and
extensions. Please do not count holiday
extensions as “Y” for this variable.
75

Loan Extension

Home Equity Loan has been extended, but terms
have not been formally modified. This field
should be “Y” for loans that have been extended
but are not in active loss mitigation. Loans that
are in loss mitigation where the amortization
term of the loan is being changed should be “N”
here. If the line is not either modified or reaged,
or this is a line of credit this value should be
omitted (NULL).
Note: The fields Line Reage and Loan Extension
should be populated with a “Y” value if the line or
loan has ever been reaged or extended. These
fields should carry forward from month to month
and reflect the inventory of reages and
extensions. Please do not count holiday
extensions as “Y” for this variable.

Current Combined
LTV

The current combined LTV includes the updated
loan-to-value using the current commitment of
the HE loan or line. The bank may use an updated
1st mortgage balance, if available (serviced in
house), but not required. For property value, the
bank should use the most recent estimate of
property value. If the bank has not refreshed the
value since loan origination, then use the
origination value. Basically, this is reporting the
current CLTV that the bank is aware of to
understand the profile of the portfolio.

Page 22 of 26

Field
No.

Name

Detailed Description

Allowed Values

Modification Type

This field should be populated for any loan that is
currently operating under modified terms and
identifies the specific terms that were altered
through loss mitigation efforts.

0 Not Modified
7 2MP
8 Proprietary Systematic
9 Proprietary Other
10 HAMP

Proprietary Systematic Program – Report all other
proprietary systematic programs target at
applicable segments of mortgage borrowers. The
“proprietary” nature of this field references the
modification program and not the investor. Any
loan modified under a proprietary systematic
program should receive this code regardless of
investor.

Format

Numeric

Proprietary Other – Report any modification type
not covered by the previous categories. As with
the proprietary systematic modifications, this
field is independent of the investor. These
definitions are consistent with definitions in
analogous OCC data collections.
78

Last Modified Date

Date of most recent Modification.

YYYYMMDD

e.g. 125000 for
$125,000.00

Whole
Number

0 Not Refreshed
1 Full Appraisal –
Prepared by a licensed
appraiser
2 Limited appraisalDrive-by -Prepared by a
licensed appraiser
3 Broker Price Opinion
“BPO”-Prepared by a

Character(1)

This field should only be populated for loans with
a value in Field #77 Modification Type, indicating
that a loan has been modified.
79

Refreshed Property
Value

Refreshed (non-original) property value
Refreshed property value – Provide the most
current property value if updated subsequent to
loan origination. Only provide a refreshed value
when it is based on a property-specific valuation
method (i.e., do not provide a refreshed property
value based solely on applying a broad valuation
index to all properties in geographic area.)
The refreshed LTV refers to the servicer
periodically updating the estimate of value to
recalculate loan-to-value using the current loan
balance.

Refreshed Property
Valuation Method

The valuation method for any refreshed values in
field #79. Identifies the method by which the
value of the property was determined

Page 23 of 26

Field
No.

Name

Detailed Description

Allowed Values

Format

real estate broker or
agent
4 Desktop Valuation –
Prepared by a bank
employee or nonappraiser
5 Automated Valuation
Model “AVM”
6 Unknown
7 TAV – tax assessed
value
81

Refreshed Property
Valuation Date

Date of most recent property valuation.

YYYYMMDD

Escrow Amount
Current

Escrow Amount Current – Report the scheduled
escrow amount (including taxes and insurance)
due from the borrower in the reporting month.

Whole Number e.g.,
5123 for $5,122.81
Use banker’s rounding.

Whole
Number

Loan Purpose
Coding

The purpose for the loan origination

Loan Purpose Coding
1 = Purchase
4 = Rate / Term
Refinance
5 = Cash-Out Refinance
6 = Other Refinance
7 = Home Improvement
8 = Debt Consolidation
9 = Education
A = Medical
Y = Other
U = Unknown

Character(1)

Remaining Term

Report the remaining term of the loan in months.

Whole Number

Whole
Number

7 = Chapter 7
9 = Chapter 9
11 = Chapter 11
12 = Chapter 12
13 = Chapter 13
U = Unknown

Character(2)

For HELOC it should be the combined draw period
and the repayment period.
Note: For the Remaining Term fields in the FR Y‐
14M First Lien and Home Equity schedules, a
value of 0 should be assigned if a loan is past
maturity.
85

Bankruptcy
Chapter

Bankruptcy Chapter - For all the loans with a
Bankruptcy Flag, indicate the Bankruptcy Chapter
Type.
Note: If the Bankruptcy Flag field is coded with a
value of ‘N’, then the Bankruptcy Chapter field

Page 24 of 26

Field
No.

Name

Detailed Description

Allowed Values

Format

should be blank, i.e. null value. Do not populate
this field with any other value.

Page 25 of 26

Portfolio Level Table
Name

Detailed Description

Allowed Values

Format

Portfolio Segment
ID

Identification of which portfolio segment is being
reported.

Character(1)

Loss / Write-down
Amount

Loss / Write-down Amount – For active loans,
report all cumulative lifetime write-downs and
reversals of loan principal and interest recorded
as charge-offs against the Allowance for Loan and
Leases Losses (ALLL) pursuant to FFIEC Call Report
instructions. Also include all reversals of accrued
but not collected interest, not directly changed
against the ALLL.

1 = Serviced
2 = Portfolio HFI
Purchased Impaired
3 = Portfolio HFI FVO /
HFS
4 = Other Portfolio
Cumulative lifetime loss
or principal write-down
on loans in the portfolio
segment for all active
loans in that segment.

Field
No.

Whole
Number

Principal Write downs
and Losses should be
expressed as positive
numbers.
Report in millions of
dollars.

Page 26 of 26

File Type	application/pdf
Author	c1vrn02
File Modified	2012-09-28
File Created	2012-09-28