Form FR Y-14M FR Y-14M First Lien Closed-end 1-4 Family Residential Loan Data D

Capital Assessment and Stress Testing

FR_Y-14M_Contact_GeneralInst_FirstLienMTG_Address

Domestic First Lien Closed-End 1-4 Family 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⚠️ Notice: This form may be outdated.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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Contact Information Workbook
FR Y‐14M
Institution Name:
RSSD ID:
Submission Date (MM/DD/YYYY):

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FR Y‐14M Schedule
Address Matching
First Mortgage
Home Equity
Credit Card

Last Name

First Name

Title

Phone

Fax

OMB No. 7100-0341
Expiration Date: December 31, 2014

General Instructions for the Reporting of the
Capital Assessments and Stress Testing information collection
(FR Y-14Q/M)

This Report is required by law: section 165 of the Dodd-Frank Act (12 U.S.C. § 5365) and section 5 of the Bank
Holding Company Act (12 U.S.C. § 1844). Public reporting burden for quarterly schedules in this information
collection is estimated to vary from 8 to 1,720 hours per response, with certain schedules only reported by
respondents that meet certain materiality thresholds. Public reporting burden for monthly information collection
is estimated to 430 hours per response. These estimates include time to gather and maintain data in the required
form and to review instructions and complete the information collection. Comments regarding this burden
estimate or any other aspect of this information collection, including suggestions for reducing the burden, may be
sent to Secretary, Board of Governors of the Federal Reserve System, 20th and C Streets, NW, Washington, DC
20551, and to the Office of Management and Budget, Paperwork Reduction Project (7100-0341), Washington, DC
20503.

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General Instructions for Preparation of the Quarterly
Capital Assessments and Stress Testing Reports
FR Y-14Q/M
The FR Y-14Q/M reports collects detailed data on bank holding companies’ various asset
classes and categories of pre-provision net revenue (PPNR) on a quarterly/monthly basis, which
will be used to support supervisory stress testing models and for continuous monitoring efforts.
The FR Y-14Q/M reports includes data schedules for Securities Risk; Retail Risk; PPNR; Wholesale
Risk; Trading, Private Equity, and Other Fair Value Assets (Trading); Basel III and
Dodd-Frank (Basel III); and Regulatory Capital Instruments. All of the data schedules, other
than the Basel III schedule and Regulatory Capital Instruments schedules are to be submitted
each reporting period. The Basel III and Regulatory Capital Instruments data schedules are to
be submitted for all quarters, except for the third quarter.
(1) Who Must Report
(i) Reporting Criteria
a. Large BHCs that meet an annual threshold of $50 billion or more in total
consolidated assets, as defined by the capital plan rule (12 CFR 225.8), are required
to submit the Capital Assessment and Stress Testing report to the Federal Reserve.
The capital plan rule defines total consolidated assets as the average of the
company’s total consolidated assets over the course of the previous four calendar
quarters, as reflected on the BHC’s consolidated financial statement for bank
holding companies (FR Y–9C). The calculation shall be effective as of the due date of
the bank holding company’s most recent FR Y–9C.
b. The specific reporting requirements for each bank holding company depend upon
the size of the holding company and the level of activity in certain risk types. The
number of schedules each bank holding company is required to complete is subject
to materiality threshold.
1) PPNR schedule, Basel III schedule, and Regulatory Capital Instruments
schedule: All bank holding companies must submit these schedules.
2) Trading schedule: Only BHCs with greater than $500 billion in total consolidated
assets who are subject to the amended market risk rule (12 CFR Parts 208,
Appendix, E and 225, Appendix E) must submit this schedule and worksheets.
3) All other quarterly and monthly schedules: The remaining schedules are subject
to materiality thresholds. Material portfolios are defined as those with asset
balances greater than $5 billion or asset balances greater than 5 percent of Tier 1
capital on average for the four quarters preceding the reporting quarter. For
schedules that require the institutions to report information on serviced
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loans, the materiality threshold is based on the asset balances associated with
the BHC’s owned portfolio. All data used to determine materiality should be
measured as of the close of business of the last calendar day of the quarter, and
assets included in a given portfolio are defined in the instructions for each
schedule. BHCs will have an option to complete the data schedules for
immaterial portfolios. If the BHCs do not complete the schedules, the Federal
Reserve will assign losses to immaterial portfolios in a manner consistent with
the given scenario to produce supervisory estimates.
c. New reporters must submit the FR Y-14Q PPNR new reporters template with data
starting as-of 2009 on the first quarter that they are subject to reporting. New
reporters must also submit historical data, starting in January 2007, for the FR Y-14Q
retail schedules.
(ii) Exemptions
a. Only bank holding companies that did not meet the reporting criteria listed in
paragraph one above are exempt from reporting.
(2) Where to Submit the Reports
(i) All bank holding companies subject to these reporting requirements must submit their
completed reports electronically. Bank holding companies will be provided information
on how to transmit data directly to the Federal Reserve or to the Federal Reserve
through data aggregators.
(3) When to Submit the Reports
(i) Bank holding companies must file the Capital Assessment and Stress Testing schedules
(FR Y-14Q/M) on the appropriate time schedules as described below:
a. Bank holding companies must submit data associated with quarterly data schedules
on the same time schedule as the FR Y-9C reported data (40 calendar days after the
calendar quarter-end for March, June, and September and 45 calendar days after
the calendar quarter-end for December, unless that day falls on a weekend or
holiday (subject to timely filing provisions)).
b. Bank holding companies must submit data associated with the monthly data
schedules by the 30th calendar day after the last business day of the preceding
calendar month.
c. Beginning in 2012, the quarterly Trading schedule as-of-date for the first, second,
and fourth quarters would be the same as the as-of dates for the other reported
schedules. For the 3rd quarter, the BHCs will be required to report data as part of a
market shock exercise. 1 Due to the nature of this exercise, the Federal Reserve will
1

See, for example, 18 U.S.C. 1005

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communicate to the appropriate bank holding companies the specific as-of date for
trading data in the fourth quarter, but no later than December 1st. The data would
be due 40 calendar days after the notification date (notifying respondents of the asof-date) or, for the 3rd quarter data, December 15th, whichever comes earlier. BHCs
may provide these data as-of the most recent date that corresponds to their weekly
internal risk reporting cycle as long as it falls before the as-of-date. In addition, for
BHCs that are required to re-submit a capital plan, the due date for the quarter preceding the quarter in which the BHCs are required to re-submit a capital plan would
be the later of (1) the normal due date or (2) the date that the re-submitted capital
plan is due, including any extensions.
d. General Timing: If the submission date falls on a weekend or holiday, the data must
be received on the first business day after the weekend or holiday. No other
extensions of time for submitting reports will be granted. The data are due by the
end of the reporting day on the submission date. Earlier submission aids the Federal
Reserve in reviewing and processing the data and is encouraged.
(ii) New reporters: For the Y–14Q schedules, the filing deadline will be extended to (1) 90
days after the quarter-end for the first two quarterly submissions and (2) 65 days after
the quarter-end for the third and fourth quarterly submissions. Beginning with the fifth
quarterly submission, these respondents will be required to adhere to the standard
reporting deadlines above. For the Y–14M schedules, the initial deadline will be 90 days
after the end of the reporting month, at which time data for all three intervening
months would be due. For example, a new respondent for the September 30 reporting
period will be expected to submit data corresponding to the September 30, October 31,
and November 30 reporting periods by December 31.

(4) How to Prepare the Reports
(i) Applicability of GAAP, Consolidation Rules, and Other Instructional Guidance
a. Bank holding companies are required to prepare and file the FR Y-14Q/M schedules
in accordance with generally accepted accounting principles (GAAP) and these
instructions. The financial records of the bank holding companies should be
maintained in such a manner and scope so as to ensure the FR Y-14Q/M can be
prepared and filed in accordance with these instructions and reflect a fair
presentation of bank holding companies' financial condition and assessment of their
performance under stressed scenarios.

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b. Rules of Consolidation: Please see the FR Y-9C General Instructions for a discussion
of the rules of consolidation.
c. Bank holding companies should look to the following published documents (in the
order listed below) when determining the precise definition to be used in
completing the schedules:
• The FR Y-14Q/M instructions.
• The latest available FR Y-9C instructions published on the Federal Reserve’s
public web site: http://www.federalreserve.gov/reportforms.
(ii) Confidentiality. As these data will be collected as part of the supervisory process, they
are subject to confidential treatment under exemption 8 of the Freedom of Information
Act. 5 U.S.C. 552(b)(8). In addition, commercial and financial information contained in
these information collections may be exempt from disclosure under Exemption 4. 5
U.S.C. 552(b)(4). Disclosure determinations would be made on a case-by-case basis.
(iii) Amended Reports
a. The Federal Reserve will require the filing of amended reports if reports as
previously submitted contain significant errors. In addition, a reporting institution
must file an amended report when it or the Federal Reserve discovers significant
errors or omissions subsequent to submission of a report. Failure to file amended
reports on a timely basis may subject the institution to supervisory action.
(iv) Legal Considerations for International Exposures
a. A BHC is not required to report a particular data item if a foreign law prohibits the
BHC from providing the information to the Federal Reserve. However, the Federal
Reserve is authorized by law to collect information from a BHC regarding its
exposures, including foreign exposures.3 A BHC must include with its data
submission a legal analysis of the foreign law that prohibits reporting the data to the
Federal Reserve.
• The legal analysis must include, but is not limited to, a detailed description and
analysis of the law(s) prohibiting the reporting of the information to the Federal
Reserve, a summary description of the exposures omitted, any other information
the BHC deems relevant to justify omitting the data from the report, and any
additional information required by the Federal Reserve.
(v) Questions and requests for interpretations. Bank holding companies should submit
any questions or requests for interpretations by email to [email protected].

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FR Y-14M
OMB Number 7100-0341
Expiration date December 31, 2014

FR Y-14M: Domestic First Lien Closed-end 1-4 Family Residential
Loan Data Dictionary
Loan Population


The active loan population includes all loans directly held on the BHC’s portfolio and all loans serviced by the
BHC in that period.
o Portfolio loans are defined as all loans meeting the definition of FR Y-9C, Schedule HC-C, item 1.c.(2)(a)
(first lien closed-end loans secured by 1-4 family residential real estate).
o Serviced loans include those meeting the definition of loans reported in FR Y-9C, Schedule HC-S, Item
1.(column A), Schedule HC-S Item M.2.a, Schedule HC-S, Item M.2.b, and all first lien loans meeting the
definition of loans reported in Schedule HC-S, Item M.2.d.
o Also include all loans meeting the definition of trading assets reported on FR Y-9C, Schedule HC-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.



Starting with the March 2013 data submission, BHCs are required to continue reporting data on loans which
become Real Estate Owned (REO). If a loan is submitted under the Y14M First Lien data schedule through a
certain period and becomes an REO, then this loan will be reported through the time the loan terminates as a
REO sale or otherwise. BHCs are required to report all REO loans – either serviced by them or sub-serviced by
other institutions on their behalf. Report all loans that are reported under Y-9C, Schedule HC-M Item 6.b.(3).
o Please note that BHCs will continue to report data on the loans which become REO loans using a
consistent loan number throughout the history of the loan. Please ensure that the loan number, once
assigned to a loan, is not changed as a result of sub servicing or any related aspects.



We require that a loan number uniquely identify a loan through its entire life. If a BHC is also 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 for all loans that are being reported for the first time in the
current reporting period. In the case that a BHC has been submitting different loan numbers for the same loan in
the FR Y-14M collection versus OCC data collection, the BHC should continue reporting using the same loan
numbers as they have been submitting for the Y-14M submissions. There may be instances where the FR Y-14M
data population includes additional loans which are not part of the OCC data sample, and for such loans a
unique loan number should be reported. Overall, the data file sent by a BHC should have unique loan numbers
across the entire submission.

Additional Formatting


The collection includes both loan level and portfolio level variables.
Page 1 of 53

FR Y-14M
OMB Number 7100-0341
Expiration date December 31, 2014









The institutions should provide the loan level data each month in a single text file. 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.
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
2. Portfolio HFI Purchased Impaired – All portfolio loans held for investment and accounted for in
accordance with ASC subtopic 310-30; loans and debt securities acquired with deteriorated credit
quality (formerly AICPA statement of position 03-3, accounting for certain loans or debt securities
acquired in a transfer).
3. Portfolio HFI FVO / HFS – All portfolio loans held for investment measured at fair value under a fair
value option or held for sale.
4. Other Portfolio – All portfolio loans 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.
Optional and best efforts fields are noted in the instructions in the table below.
No quotation marks should be used as text identifiers.
Please do not provide a header row
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: For a data item defined as Character (2), if the respondent is to report the value ‘1’, then the
respondent should submit only the character ‘1.’ The respondent should not submit ‘01’, ‘1’, ‘1’,
or any other combination that includes a second character.
 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. REO loans as described
above will now be included in the data. This holds even if the REO loans were transferred to another servicer.
 The tables on the following pages give more information regarding the fields that should be contained in each of
the files.
File Naming Convention:
BHCs must use the following naming convention when submitting data files to the data aggregator.
FRY14_FIRSTLIEN_LOANLEVEL___.TXT
FRY14_FIRSTLIEN_PORTFOLIOLEVEL___.TXT
SUBMISSION_NUMBER will be used to track revisions and resubmissions of this schedule. It must be populated as a
two-digit number. For example, the first submission for a given period would have a submission number of ‘01.’ If
the BHC has to resubmit the same file, then use ‘02’ for the next submission, and so on.
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FR Y-14M
OMB Number 7100-0341
Expiration date December 31, 2014
In the case of the First Lien, Home Equity, and Address Matching Schedules, the BHCs should provide the data each
month in a single 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 First Lien Loan level data file submitted for period 201206, the
file would be named as FRY14_FIRSTLIEN_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_FIRSTLIEN_LOANLEVEL_999999_201206_02.TXT, and so on.

Loan Level Table
Field
No.
1

Variable Name

Detailed Description

Allowed Values

Format

Loan Number

Loan Number - An identifier for a loan
that will be the same from month to
month. Reference numbers may be used
in lieu of actual loan numbers as long as
it meets these criteria.

A contributor-defined alphanumeric value up to 32
characters. Please refer to
additional details listed on
Page 1 of this document.

Character (32)

This loan identifier must uniquely
identify any loan in the file. It must
identify the loan for its entire life and
most be unique (piggy-backs should be
separated).
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. However, if a BHC has already
been submitting different loan numbers
for the same loan for the FR Y-14M and
the OCC collections, the BHC should
continue submitting the same loan
number it has been using for the FR Y14M.
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 the general
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FR Y-14M
OMB Number 7100-0341
Expiration date December 31, 2014
Field
No.

Variable Name

Detailed Description

Loan Closing
Date

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.
Loan Closing Date - The date the loan
originally closed.

Allowed Values

Format

YYYYMMDD

Two-letter postal codes for
the state.

Character (2)

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

Character(5)

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

Whole Number

If the loan closing date is not available,
then the origination date on the loan can
be used instead to populate this field.

First Payment
Date

Property State

Property ZIP
Code

Original Loan
Amount

This field will be used to determine the
loan’s vintage.
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.
This field may be provided on a best
efforts basis for loans serviced for others
and loans acquired through mergers and
acquisitions.
Property State - The state in which the
property is located.
Contributors should be careful to provide
the property state (not the billing
address state of the borrower), as the
two may differ for non-owner occupied
properties.
Property Zip - Five-digit ZIP code. Be sure
to provide the property ZIP code (not the
billing address).
Original Loan Amount - The dollar
amount of the funds disbursed to the
borrower at the time of loan closing.
Amount of loan rounded to the nearest
whole dollar.

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FR Y-14M
OMB Number 7100-0341
Expiration date December 31, 2014
Field
No.
7

Variable Name

Detailed Description

Original
Property Value

Original Property Value – The property
e.g., 125000 for $125,000.00
value in dollars at the time the loan was
Use banker’s rounding.
originated, defined as the lesser of selling
price or the appraised value of the
property securing the mortgage at
origination.

Original LTV

Original
Combined LTV

This field may be provided on a best
efforts basis for loans serviced for others
and loans acquired through mergers and
acquisitions.
Original LTV – The original loan-to-value
(LTV) ratio is the original loan amount
divided by the lesser of the selling price
or the appraised value of the property
securing the mortgage at origination.
Original Combined LTV – The original
combined loan-to-value (CLTV) ratio is
the original first loan amount and any
junior liens at the time of origination
divided by the lesser of the selling price
or the appraised value of the property
securing the mortgage at origination.

Allowed Values

Format
Whole Number

Provide as a fraction. E.g.:
0.8 for 80%
1.05 for 105%

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

Provide as a fraction. E.g.:
0.8 for 80%
1.05 for 105%

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)

This field may be provided on a best
efforts basis for loans serviced for others
and loans acquired through mergers and
acquisitions.
10

Income
Describes how the borrower’s income
Documentation 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

Page 5 of 53

FR Y-14M
OMB Number 7100-0341
Expiration date December 31, 2014
Field
No.

Variable Name

Detailed Description

Allowed Values

Format

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 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.
Respondents should populate this field in
all cases. If the respondent is unable to
sub classify the borrower’s
documentation level, report using the "7
Stated Unknown" option.

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FR Y-14M
OMB Number 7100-0341
Expiration date December 31, 2014
Field
No.
11

Variable Name

Detailed Description

Debt to Income Debt to Income (DTI) - This ratio is the
(DTI) Back-End percent of a borrower’s total monthly
at Origination
debt payments (including proposed
housing expenses) divided by his or her
gross monthly income, used to
determine the mortgage amount that
qualifies a borrower.

Allowed Values

Format

Whole Number, e.g.,: 36, 42

Whole Number

Whole Number, e.g.,: 36, 42

Whole Number

This field may be provided on a best
efforts basis for loans serviced for others
and loans acquired through mergers and
acquisitions.
Back-end DTI ratios give the percentage
of monthly income necessary to cover all
of the borrower’s debt obligations.
12

Debt to Income DTI Ratio (Front-end) at origination –
(DTI) Front-End Report the Front-end DTI (PITI Housing
at Origination
Ratio) at origination of the mortgage.
Front-end DTI ratios give the percentage
of a borrower’s monthly income that
would go toward housing expenses
(mortgage payment, real estate taxes,
homeowner’s insurance, association
dues, etc.)

Origination
FICO

FICO Score – original
The credit score of the borrower at
origination using the FICO scaling from
300 to 899.

Whole Number
Provide as a whole number,
e.g.:759

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

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FR Y-14M
OMB Number 7100-0341
Expiration date December 31, 2014
Field
No.
14

Variable Name

Detailed Description

Allowed Values

Format

Occupancy

Report Occupancy related information
available on the mortgage at the time of
origination.

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

Character(1)

Credit Class

Credit Class – Servicer defined Prime, AltA and Non-prime designation.

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

Character(1)

Loan Type Coding
1 = FHA Residential
2 = VA Residential
3 = Conventional without
Private Mortgage Insurance
4 = CRA
5 = FHA Project
6 = Conventional with
Private Mortgage Insurance
7 = HUD 235 Loans
Y = Other
U = Unknown

Character(1)

Please note that this is a servicer defined
field.
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, Non-Prime 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 over time.
16

Loan Type

Indicate the product group (i.e. loan
type)
• FHA Residential - Loans insured by the
Federal Housing Administration
• VA Residential - Loans insured by the
Department of Veterans Affairs
• Conventional without Private Mortgage
Insurance - Conventional w/o PMI –
Mortgages with neither government nor
private mortgage insurance
• CRA

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FR Y-14M
OMB Number 7100-0341
Expiration date December 31, 2014
Field
No.

Variable Name

Detailed Description

Allowed Values

Format

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

Character(1)

•FHA Project
•Conventional with Private Mortgage
Insurance - Conventional with PMI –
Non-government insured mortgages
insured by a private (non-government)
insurer
• HUD 235 Loans
• Other

Lien Position at
Origination

• Unknown
Lien Position at Origination – The
position of this loan relative to any
additional liens on the property.
If there are no additional liens, loan is in
first position. If lien position is greater
than 3, then code as 3.

Loan Source

Identifies the source by which the
servicer originated or otherwise acquired
the mortgage. At the servicer's
discretion, acquired servicing may be
reported as retail, broker, or
correspondent originations to the extent
the information is available.

1 = Retail (Branch, Internet)
2 = Wholesale
3 = Correspondent
4 = Servicing Rights
Purchased
5 = Bulk Purchased
6 = Wealth Management /
Private Banking
• Retail – Report all mortgages originated U = Unknown
through the reporting institution’s retail,
including branch or internet, production
channel.

Character(1)

• Wholesale (Broker) - Report all
mortgages originated 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 - Mortgages acquired
Page 9 of 53

FR Y-14M
OMB Number 7100-0341
Expiration date December 31, 2014
Field
No.

Variable Name

Detailed Description

Allowed Values

Format

through the reporting institution's
correspondent production channel. This
includes all mortgage 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.
• Bulk Purchase – Pools of mortgage
whole loans purchased from a third party
originator for the right to securitize or
retention in the bank-owned portfolio.
Residential Mortgages acquired 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.
• 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.
• Wealth Management/Private Banking –
report all loans originated through a
Page 10 of 53

FR Y-14M
OMB Number 7100-0341
Expiration date December 31, 2014
Field
No.

Variable Name

Detailed Description

Allowed Values

Format

Character(2)

Fixed 30 – Fixed rate amortizing loans
with a 30 year loan term. Also include
fixed rate loans where loan term is
greater than 20 and less than 30 years.

Product Type
1 = Fixed 30
2 = Fixed 20
3 = Fixed 15
4 = ARM 2
5 = ARM 3
6 = ARM 5
7 = ARM 7
8 = ARM 10
9 = ARM Other
10 = Other

Fixed 20 – Fixed rate amortizing loans
with a 20 year loan term. Also include
fixed rate loans where loan term is
greater than 15 and less than 20 years.

11 = Fixed 40
12 = Fixed Greater than 40
13 = Fixed Other
14 = Fixed 10

servicer’s private wealth management or
private banking division.
19

Product Type Current

Product Type –
Identifies the product type of the
mortgage including the interest type,
amortization term and initial fixed period
for hybrid products.

Fixed 15 – Fixed rate amortizing loans
with a 15 year loan term. Also include
fixed rate loans where loan term is
greater than 10 and less than 15 years.
Fixed 10 – Fixed rate amortizing loans
with a 10 year loan term. Also include
fixed rate loans where loan term is less
than 10 years.
Fixed 40 – Fixed rate amortizing loans
with a 40 year term. Also include fixed
rate loans where loan term is greater
than 30 and less than 40 years.
Fixed Greater than 40 - Fixed rate loans
with loan term greater than 40 years.
Fixed Other – Fixed rate loan where the
loan term does not fall under any of the
categories (Fixed 30, Fixed 20, Fixed 15,
Fixed 10, Fixed 40, Fixed Greater than
40). Use this code where the loan is not
simply a fixed-rate amortizing term loan.
Some examples include Balloon, interest
Page 11 of 53

FR Y-14M
OMB Number 7100-0341
Expiration date December 31, 2014
Field
No.

Variable Name

Detailed Description

Allowed Values

Format

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

Character(1)

only or fixed rate pay option loans.
ARM 2 – Adjustable rate mortgage where
the initial rate reset is less than or equal
to 2 years.
ARM 3 – Adjustable rate mortgage where
the initial rate reset is greater than 2
year and less than or equal to 3 years.
ARM 5 – Adjustable rate mortgage where
the initial rate reset is greater than 3
year and less than or equal to 5 years.
ARM 7- Adjustable rate mortgage where
the initial rate reset is greater than 5
year and less than or equal to 7 years.
ARM 10 – Adjustable rate mortgage
where the initial rate reset is greater
than 7 year and less than or equal to 10
years.
ARM Other – Adjustable rate loan where
the loan term does not fall under any of
the categories (ARM 2, ARM 3, ARM 5,
ARM 7, ARM 10). An example would be
an Option ARM or ARM 15.
Other – Use this code to capture loans
which do not fall into any of the
categories listed above. An example
would be Graduated Payment Mortgages
(GPMs).
20

Loan Purpose
Coding

The purpose for the loan origination

Page 12 of 53

FR Y-14M
OMB Number 7100-0341
Expiration date December 31, 2014
Field
No.

Variable Name

Detailed Description

Allowed Values

Format

U = Unknown

Number of
Units

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.

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

Character(1)

Note: If the property is 1‐4 family and
details relating to the exact number of
units is not known, use the code value U
= Unknown.
This field may be provided on a best
efforts basis for loans serviced for others,
loans serviced by others, and loans
acquired through mergers and
acquisitions.
22

Mortgage
Insurance
Coverage
Percent at
Origination

For loans with loan level mortgage
insurance coverage, provide the
mortgage insurance coverage percent at
origination.

Provide as a fraction. E.g.:
0.8 for 80%
1.05 for 105%

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

Property Type

Indicate the type of the property.

1 = SFR
2 = Condo
3 = Co-Op
4 = 2-4 Units
5 = Townhouse
6 = PUD
7 = 5+ Units
E = Commercial
F = Mixed Use
M = Manufactured Housing
Z = Other
U = Unknown

Character(1)

Page 13 of 53

FR Y-14M
OMB Number 7100-0341
Expiration date December 31, 2014
Field
No.
24

Variable Name

Detailed Description

Allowed Values

Format

Balloon Flag

Y=Yes
N=No
U=Unknown

Character(1)

Indicate if the mortgage has a balloon
payment.
25

Balloon Term

Balloon Term (In Months) – For
mortgages with a final balloon payment,
the term in months between the loan
closing date and the due date for the
final payment before the note resets
(e.g., 84 months for a 7-year balloon).

Whole Number

Buydown Flag

An indicator to identify loans that are
buy downs.

Y=Yes
N=No
U=Unknown

Character(1)

Interest Only at Interest Only at Origination Flag Origination
Indicates if the loan was an IO loan at the
time of origination.

Y=Yes
N=No
U=Unknown

Character(1)

That is, at origination, was the normal
monthly payment for the loan just
interest.
An interest only (IO) mortgage is a
nontraditional mortgage which allows
the borrower to pay only the interest
due on the loan for a specified number of
years, and whose interest rate may
fluctuate or be fixed. After the interestonly period, the rate may be fixed or
fluctuate based on the prescribed index,
with payments including both principal
and interest.
28

Recourse Flag

Recourse on a loan refers to terms in the
mortgage contract that give the
owner of the note the right to pursue
additional claims against the borrower
beyond possession of the property.

Y=Yes
N=No
U=Unknown

Character(1)

ARM Initial
Rate

Initial interest rate on the loan

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

Numeric, up to 5
decimals.
Please see
"Allowed Values"
Page 14 of 53

FR Y-14M
OMB Number 7100-0341
Expiration date December 31, 2014
Field
No.
30

Variable Name

Detailed Description

Allowed Values

Format

ARM Initial
Rate Period

ARM initial rate adjustment period (In
months)

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 11th District
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)

Identifies the term, in months, from the
time of origination to the first interest
rate change date for ARMs.
31

ARM Periodic
Interest Reset
Period

ARM Periodic Interest Reset Period (In
Months)
Identifies the term, in months, from the
end of the initial reset period to the next
for the remaining life of the mortgage.

Arm Index

Arm Index – Report the index used as the
basis for determining the monthly
interest rate.
A BHC using the Wall Street Journal
prime rate should report the value ’50’
for Bank Prime Rate.

Page 15 of 53

FR Y-14M
OMB Number 7100-0341
Expiration date December 31, 2014
Field
No.
33

Variable Name

Detailed Description

Allowed Values

Format

ARM Margin at
Origination

ARM margin

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

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

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

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

Provide as a fraction. E.g.:
0.0175 for 1.75%

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

Provide as a fraction. E.g.:
0.0175 for 1.75%

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

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

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

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

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

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.
34

ARM Negative
Amortization %
Limit

ARM negative amortization % limit.

ARM Periodic
Rate Cap

ARM periodic rate cap
Periodic interest rate cap for adjustable
rate loans

Represents negative amortization limit
expressed as a percent of original loan
amount.

Absolute rate cap (not spread from
original)
36

ARM Periodic
Rate Floor

ARM Periodic Rate Floor
Periodic interest rate floor for adjustable
rate loans
Absolute rate floor (not spread from
original)

ARM Lifetime
Rate Cap

ARM Lifetime Rate Cap
Represents lifetime interest rate for
adjustable rate mortgages. Absolute rate
cap (not spread from original)

ARM Lifetime
Rate Floor

ARM Lifetime Rate Floor
Represents minimum lifetime interest
rate for adjustable rate mortgages.
Absolute rate floor (not spread from
original)

Page 16 of 53

FR Y-14M
OMB Number 7100-0341
Expiration date December 31, 2014
Field
No.
39

Variable Name

Detailed Description

Allowed Values

Format

ARM Periodic
Pay Cap

Represents cap on monthly payments for
adjustable rate mortgages

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

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

Note: The periodic pay cap refers to the
maximum percentage point increase
over the previous payment. So for a
$1,000 principal and interest (P&I)
payment in the previous month, a 7.5%
pay cap implies that the P&I payment
next month cannot exceed $1,075 at the
adjustment. Note that the 7.5% pay cap
should be reported as a fraction, in this
case 0.0750.
40

ARM Periodic
Pay Floor

Represents floor on monthly payments
for adjustable rate mortgages

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

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

Option ARM
Flag

Option ARM at Origination - A payment
Option ARM is a nontraditional mortgage
that allows the borrower to choose from
a number of different payment options.

Y=Yes
N=No

Character(1)

For example, each month, the borrower
may choose: a minimum payment option
based on a ‘‘start’’ or introductory
interest rate, an interest-only payment
option based on the fully indexed
interest rate, or a fully amortizing
principal and interest payment option
based on a 15-year or 30-year loan term,
plus any required escrow payments.
Payments on the minimum payment
option can be less than the interest
accruing on the loan, resulting in
negative amortization. The interest-only
option avoids negative amortization, but
does not provide for principal
amortization. After a specified number of
years, or if the loan reaches a certain
negative amortization cap, the required
monthly payment amount is recast to
require payments that will fully amortize
Page 17 of 53

FR Y-14M
OMB Number 7100-0341
Expiration date December 31, 2014
Field
No.

Variable Name

Detailed Description

Allowed Values

Format

the outstanding balance.

Negative
Amortization
Flag

Negative amortization flag - Indicate all
mortgages that have or potentially can
have a feature that allows the borrower
to pay an amount that is less than the
interest accruing on the mortgage,
resulting in negative amortization.

Y=Yes
N=No

Character(1)

Original Loan
Term

Original Loan Term – The term in months
on the original loan

Whole Number
Allowable values: 0 – 600

Whole Number

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.
44

Original
Interest Rate

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

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

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

Principal and
Interest (P&I)
Amount at
Origination

Principal and Interest (P&I) Amount at
Origination – Report the scheduled
principal and interest amount at the
origination of the loan.

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

Whole Number

Y=Yes
N=No
U=Unknown

Character(1)

Pre-Payment
Penalty Flag

This field may be provided on a best
efforts basis for loans serviced for others
and loans acquired through mergers and
acquisitions.
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.

Page 18 of 53

FR Y-14M
OMB Number 7100-0341
Expiration date December 31, 2014
Field
No.
47

Variable Name

Detailed Description

Allowed Values

Format

Pre-Payment
Penalty Term

Pre-Payment Penalty Term (In Months)

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

Whole Number

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

Whole Number

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

Character(1)

Investor Coding
1 = GNMA
2 = FNMA
3 = FHLMC
4 = Private Securitized
5 = GNMA Buyout Loans
6 = Local Housing Authority
7 = Portfolio
8 = Serviced for Other
Unrelated Entity
0 = Federal Home Loan Bank
(FHLB)
U = Unknown

Character(1)

The time period from loan origination
that a prepayment penalty applies (if
applicable).
This is an origination field and should
specify the time period from origination
for which a prepayment penalty would
have applied. It should not change with
the reporting month.
48

Current FICO

FICO/Credit Score – Current
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.

Interest Only in
Reporting
Month

The current value for the IO Flag –
indicates if the loan is currently an IO
loan or not.
Identifies whether the minimum
mortgage payment in the reporting
month represents only the interest due
on the loan.

Investor Type

Identifies the owner of the mortgage
• GNMA - Serviced mortgages that are
owned by GNMA
• FNMA - Serviced mortgages that are
owned by FNMA
• FHLMC - Serviced mortgages that are
owned by FHLMC
• Private Securitized - Loans securitized
by private-label (non-Government, nonGSE) issuers.

Page 19 of 53

FR Y-14M
OMB Number 7100-0341
Expiration date December 31, 2014
Field
No.

Variable Name

Detailed Description

Allowed Values

Format

e.g., 125000 for $125,000.00
If no servicer advances exist,
please populate as 0.

Whole Number

N = Was not Option ARM in
the reporting month
Y = Was Option ARM in the
reporting month

Character(1)

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

Character(1)

• GNMA Buyout Loans-- Loans bought
out of GNMA securities pools
• Local Housing Authority-Loans bought
by LHAs
• Portfolio - Mortgages owned and held
on the bank’s balance sheet. Include
both Held for Sale or Held for Investment
in this category.
• Federal Home Loan Bank (FHLB)-Loans
or securities bought by FHLBs
• Unknown
‘Other Unrelated Entity’ refers to
investors that do not include any of the
major investor types listed in values 0-7,
and can include portfolio loans serviced
for others.
Servicer Advances – Total delinquent
advances made by the servicer on past
due mortgages. Include both corporate
(including maintenance and property
preservation costs) and escrow advances
in this amount.

Servicer
Advances

Option ARM in
Reporting
Month

Bankruptcy flag Bankruptcy flag – Flag all loans where the
servicer has been notified of the
borrowers’ bankruptcy declaration.
Indicates whether the borrower is in
bankruptcy as of the end of the reporting
month. Respondents should include
coborrowers.

Option ARM in Reporting Month –
Identifies whether a mortgage allows a
borrower a choice of payment options in
the reporting month.

Page 20 of 53

FR Y-14M
OMB Number 7100-0341
Expiration date December 31, 2014
Field
No.
54

Variable Name

Detailed Description

Allowed Values

Format

Bankruptcy
Chapter

Bankruptcy Chapter - For all the loans
with a Bankruptcy Flag, indicate the
Bankruptcy Chapter Type

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

Character(2)

Note: If the Bankruptcy Flag (Field #53) is
coded with a value of ‘N’, then the
Bankruptcy Chapter (Field #54) should be
blank, i.e. null value. Do not populate this
field with any other value.
55

Next Payment
Due Date

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

YYYYMMDD

Current
Interest Rate

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

Provide as a fraction. E.g.:
0.1075 for 10.75%

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

Remaining
Term

Report the remaining term of the loan in
months.

Whole Number

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

Whole Number

Whole Number
e.g.,

Whole Number

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.
58

Scheduled
Principal
Balance
Amount

Report the scheduled principal balance
amount for the borrower

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.

Note: The scheduled principal balance
amount should reflect the balance
outstanding based on the scheduled
payment which is due from the borrower
in the reporting month (not the actual
payment made by the borrower). There
will be a difference in the scheduled
versus actual only in cases of
delinquency or curtailments.

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

Page 21 of 53

FR Y-14M
OMB Number 7100-0341
Expiration date December 31, 2014
Field
No.
60

Variable Name

Detailed Description

Allowed Values

Format

Principal
Balance

Unpaid Principal Balance – The total
principal amount outstanding as of the
end of the month. The UPB should not
reflect any accounting based writedowns and should only be reduced to
zero when the loan has been liquidated –
either paid-in-full, charged-off, REO sold
or Service transferred .

Current unpaid balance at
end of the reporting month
rounded to the nearest
dollar.

Whole Number

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.

YYYYMMDD

Foreclosure
Sale Date

e.g., 32123 for $32,122.81
Use banker’s rounding

Note: If a loan is not in foreclosure, then
the Foreclosure Sale Date field (Field
#61), Foreclosure Referral Date field
(Field # 62) should be blank, i.e. null
value. Do not populate this field with a 0
date value, or with any other value.
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.
62

Foreclosure
Referral Date

Foreclosure Referral Date – Provide the
date that the mortgage 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.
Note: If a loan is not in foreclosure, then
the Foreclosure Sale Date field (Field
#61), Foreclosure Referral Date field
(Field # 62) should be blank, i.e. null
value. Do not populate this field with a 0
date value, or with any other value.

Page 22 of 53

FR Y-14M
OMB Number 7100-0341
Expiration date December 31, 2014
Field
No.

Variable Name

Detailed Description

Allowed Values

Format

Foreclosure
Suspended

Foreclosure Suspended – Report all loans
where foreclosure activities are being
suspended due to loss mitigation or
bankruptcy proceedings.

N = Foreclosure was not
suspended in the reporting
month (also code for loans
not in foreclosure).
Y = Foreclosure was
suspended as of the last day
of the reporting month.

Character(1)

Flag indicating an active foreclosure
suspension
Note: The code value for this field should
follow public reporting of this item.
64

Paid-in-Full
Coding

Character(1)
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 month-end as well as all
active lines of credit.

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

• 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 shortsales, charge-offs, as well as REO
liquidations.
• Servicing Transfer – Code all instances
where the servicing of the loan has been
Page 23 of 53

FR Y-14M
OMB Number 7100-0341
Expiration date December 31, 2014
Field
No.

Variable Name

Detailed Description

Allowed Values

Format

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

Character(1)

transferred or sold to another institution
during the reporting month.

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

Repurchase
Type

• 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.
Loan Repurchase Type
The code value of ‘1: In Process’ means
that a request has been made for
repurchase of the loan by counterparty.
Include both loans where repurchase is
being finalized and loans where
agreement to repurchase has not yet
occurred.

Repurchase
Request Date

Repurchase Request Date

Code values:
Character(1)
0 = None
1 = In Process
2 = Complete & Repurchased
3 = Complete and NO
Repurchase

YYYYMMDD

Note: The repurchase request date is the
date of repurchase requested by the
counterparty.
Page 24 of 53

FR Y-14M
OMB Number 7100-0341
Expiration date December 31, 2014
Field
No.

Variable Name

Detailed Description

Refreshed
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.)

Allowed Values

Format

Whole Number
e.g. 125000 for $125,000.00

The refreshed LTV refers to the servicer
periodically updating the estimate of
value to recalculate loan-to-value using
the current loan balance.
The Refreshed Property Value, Refreshed
Property Valuation Method, and
Most Recent Property Valuation Date
fields refer to the same refreshed
property valuation instance. If the
property has been valued subsequent to
origination, please provide the most
recent property valuation date, the
valuation method, and the property
value.
Do not report where the refreshed
property value was not obtained within
the last year.

Page 25 of 53

FR Y-14M
OMB Number 7100-0341
Expiration date December 31, 2014
Field
No.
69

Variable Name

Detailed Description

Allowed Values

Format

Refreshed
Property
Valuation
Method

The valuation method for any refreshed
values. Identifies the method by which
the value of the property was
determined.
Options are:

Code Values:
1 = Full Appraisal
2 = Limited Appraisal
3 = Broker Price Opinion
4 = Desktop Valuation
5 = Automated Valuation
Model
6 = Unknown
7 = TAV – Tax Assessed
Value

Character(1)

YYYYMMDD

• Full appraisal – Prepared by a certified
appraiser
• Limited appraisal – Prepared by a
certified appraiser
• Broker Price Opinion “BPO” –
Prepared by a real estate broker or agent
• Desktop Valuation – Prepared by bank
employee
• Automated Valuation Model “AVM”

Most Recent
Property
Valuation Date

The Refreshed Property Value, Refreshed
Property Valuation Method, and
Most Recent Property Valuation Date
fields refer to the same refreshed
property valuation instance. If the
property has been valued subsequent to
origination, please provide the most
recent property valuation date, the
valuation method, and the property
value.
The date on which the most recent
refreshed property value was obtained.
The Refreshed Property Value, Refreshed
Property Valuation Method, and
Most Recent Property Valuation Date
fields refer to the same refreshed
property valuation instance. If the
property has been valued subsequent to
origination, please provide the most
recent property valuation date, the
valuation method, and the property
value.

Page 26 of 53

FR Y-14M
OMB Number 7100-0341
Expiration date December 31, 2014
Field
No.
71

Variable Name

Detailed Description

Allowed Values

Format

Refreshed
CLTV After
Modification

Refreshed CLTV After Modification –
Report the calculated combined loan-tovalue ratio after the modification.

Provide as a fraction. E.g.:
0.85 for 85%

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

Whole Number

Note: The Refreshed CLTV After
Modification field (Field #71) on the FR Y‐
14M First Lien schedule is only applicable
for loans that have been modified. Only
provide this field for loans that have
been modified.
Provide the CLTV that was used to
evaluate and approve the modification.
This could be done during the
modification process or soon afterward.
Do not continue to update it.
Include all outstanding liens in the
calculation of refreshed CLTV. If the
property only has one lien outstanding at
the time of modification, then this field
would be equivalent to refreshed LTV.
72

Refreshed DTI
Ratio (Backend)

Refreshed DTI Ratio (Back-end) – Report
the refreshed Back -end DTI Ratio.
Back-end DTI ratios give the percentage
of monthly income necessary to cover all
of the borrower’s debt obligations.

Refreshed DTI
Ratio (Frontend)

Refreshed DTI Ratio (Front-end) – Report
the refreshed Front-end DTI (PITI
Housing Ratio).
Front-end DTI ratios give the percentage
of a borrower’s monthly income that
would go toward housing expenses
(mortgage payment, real estate taxes,
homeowner’s insurance, association
dues, etc.)

Page 27 of 53

FR Y-14M
OMB Number 7100-0341
Expiration date December 31, 2014
Field
No.
74

Variable Name

Detailed Description

Allowed Values

Modification
Type

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 = Loan has not been
Numeric
modified
6 = ASF Streamline
8 = FHFA Streamline (Specific
to program announced
12/15/08)
9 = FDIC Streamline (“Mod in
a Box”)
10 = Proprietary Systematic
Program
11 = Proprietary Other
12 = Home Affordable
Modification

This field is independent of investor and
speaks only to the nature of the
program. For example a FNMA loan may
be modified under either a FDIC or
proprietary modification program – in
these cases this field would be populated
with either the FDIC or proprietary codes
while the Investor field would identify
the modification as being performed on a
FNMA loan.

Format

• Loan has not been modified.
• ASF Streamline - Report all loan
modifications in conformance with the
ASF's December 6, 2007 “Streamlined
Foreclosure and Loss Avoidance
Framework for Securitized Subprime
Adjustable Rate Mortgage Loans.”
• FHFA Streamline – Report all loan
modifications pursuant to the FHFA
streamline modification program that
became effective 12/15/08. FHFA
investor loans modified under an
alternative plan should be coded in
accordance with those plans.
• FDIC Streamline (“Mod in a Box”) –
Report all loan modifications that include
any third party investor and/or
proprietary systematical modifications
that are patterned on the FDIC program.
• Proprietary Systematic Program –
Report all other proprietary systematic
programs target at applicable segments
of mortgage borrowers. The
“proprietary” nature of this field
Page 28 of 53

FR Y-14M
OMB Number 7100-0341
Expiration date December 31, 2014
Field
No.

Variable Name

Detailed Description

Allowed Values

Format

YYYYMMDD
Do not populate for loans
that have not been
modified.
N = No repayment plan is in
effect in the reporting
month.
Y = The loan is actively
performing under a
repayment plan.

YYYYMMDD

0 = No workout completed
or unsuccessful resolution of
a loss mitigation effort.
1 = Modification
2 = Repayment Plan
3 = Deed in Lieu
4 = Short Sale
5 = FHA Partial Claim
6 = FHA Secured
7 = VA Refund
8 = Stipulated Repayment /

Numeric

references the modification program and
not the investor, any loan modified
under a proprietary systematic program
should receive this code regardless of
investor.
• 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.
• Home Affordable Modification Program
– Report any loans modified under the
Home Affordable Modification Program
Guidelines released March 4, 2009. Do
not report the transaction as a modified
loan until successful completion of the
stipulated trial plan.
75

Last Modified
Date

Last Modified Date – Provide the date on
which the loan terms were most recently
modified.

Active
Repayment
Plan Flag

Workout Type
Completed

Active Repayment Plan Flag – Code as
"Y" all loans that are active and
performing according to the terms of a
repayment plan as of the end of the
reporting month. Do not code as active
any loan currently operating under a
stip-to-mod plan where the loan is
scheduled to be modified if the terms of
the stipulated repayment plan are met.
The type of loss mitigation workout. Only
coded for loans that successfully
completed the loss mitigation workout in
the current month.
Workout Type Completed – 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

Character(1)

Page 29 of 53

FR Y-14M
OMB Number 7100-0341
Expiration date December 31, 2014
Field
No.

Variable Name

Detailed Description

Allowed Values

Format

where the borrower has no remaining
delinquent obligations to the servicer.
The field should be coded in only the
reporting month when the workout type
was completed and not in subsequent
months.
Specific coding instructions follow:

Stip-to-Mods
9 = Forbearance plan
10 = MI Claim Advance
11 = FHA Refinances - Other
12 = Other
13 =
Reaged/Deferred/Extended
14 = Home Affordable
• Code 1 Modification - Populate in the
Refinance
month that the modification is
15 = FNMA HomeSaver
completed and the new loan terms are in Forbearance, Payment
effect. Do not include modifications, such Reduction Plan, or other
as those performed under the Home
GSE-sponsored forbearance
Affordable program that were completed program.
following a trial or stipulated repayment
period – these should receive a value of 8
(see below).
• Code 2 Repayment Plan - Populate in
the month that the repayment plan was
completed successfully and the borrower
has been returned to a current and
performing status.
• Codes 3 and 4 – Deeds In Lieu and
Short Sales – Populate in the month the
loan is liquidated through a deed in lieu,
short sale (or payoff) negotiated
settlement.
• Code 6, 11, 14 – FHA and Home
Affordable Refinances – Populate these
fields in the month that the loan was
liquidated under an FHA or Home
Affordable refinance program. This field
should be coded in the same month the
loan has a Voluntary Payoff / Refinance.
• Code 8 – Stipulated Repayment / Stip
to Mods – Code this field in the month
that a loan is modified after having
completed a stipulated or trial payment
period. This should include loans
modified under the Home Affordable
Modification program.
Page 30 of 53

FR Y-14M
OMB Number 7100-0341
Expiration date December 31, 2014
Field
No.

Variable Name

Detailed Description

Allowed Values

Format

0 = No active plan as of
month-end and did not have
a plan broken or cancelled
during the month.
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

Numeric

• Code 13 – Reaged/Deferred/Extended
– include loans where there has been an
agreement with the borrower to defer
principal and interest but with no other
terms to enhance affordability.
• Code 15 – FNMA HomeSaver
Forbearance, Payment Reduction Plan, or
other GSE-sponsored forbearance
program - Include loans that have made
the initial payment in the FNMA
HomeSaver Forbearance program or
similar program.
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.
78

Repayment
Plan
Performance
Status

Repayment Plan Performance Status –
This field tracks the performance of
repayment and stip-to-mod plans. If a
repayment plan or stip-to-mod was
completed successfully during the month
it should be coded as such in the workout type completed field), this field is
only to be populated for repayment
plans that were active as of the end of
the month or broken during the month.
Broken plans should only be reported in
the month the plan breaks.

Page 31 of 53

FR Y-14M
OMB Number 7100-0341
Expiration date December 31, 2014
Field
No.

Variable Name

Detailed Description

Allowed Values

• Stip-to-Mod Active – The borrower is
performing as scheduled on a stipulated
repayment agreement that, if successful
will result in a modification.

7 = Home Affordable Trial
Period Active
8 = Home Affordable Trial
Period Broken
9 = Home Affordable Trial
Cancellation
10 = Home Affordable Trial
Extended / Mod Pending

• Stip-to-Mod Broken – The borrower
has broken the terms specified by a stipto-mod agreement and the modification
was not executed.

Format

• Repayment Plan Active – The borrower
is performing as scheduled according to
the terms of an executed repayment
plan.
• 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 mortgage
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.
• Home Affordable Modification Trial
Period Active – Report all Home
Affordable program pre-modifications
that are performing as scheduled under a
trial period plan and the plan is not
broken.
• Home Affordable Modification Trial
Period Broken – Report all Home
Affordable program pre-modifications
where the borrower has not complied
with the terms of the schedule such that
the modification will not be executed.
• Home Affordable Trial Cancellation –
Page 32 of 53

FR Y-14M
OMB Number 7100-0341
Expiration date December 31, 2014
Field
No.

Variable Name

Detailed Description

Allowed Values

Format

Y=Yes
N=No

Character(1)

The HAMP Loan Number
provided should be identical
to the Servicer Loan Number
provided to the data
aggregator for HAMP
submissions to the Treasury.

Character(32)

Y=Yes
N=No

Character(1)

The Home Affordable Trial was cancelled
due to borrower ineligibility or other
reason.
• Home Affordable Trial Extended / Mod
Pending – All payments made as agreed
and performing but awaiting
documentation and/or a final
underwriting decision.
Note: Only report a broken plan in the
month it was broken, not in subsequent
months. In subsequent months, leave it
blank.

“Home
Affordable
Refinance”
Program Flag

Identifies if a loan was originated under
the Home Affordable Refinance program.

HAMP Loan
Number

HAMP(Home Affordable Modification
Program) Loan Number –

“Home Affordable Refinance” Program
Flag - Identify all loans originated as part
of the Home Affordable Refinance
Program announced March 4, 2009.
Loans should be flagged as such
regardless of whether the loan was
serviced in-house prior to refinance.

Report any loans modified under the
Home Affordable Modification Program
Guidelines released March 4, 2009. The
HAMP Loan Number provided should be
identical to the Servicer Loan Number
provided to the data aggregator for
HAMP submissions to the Treasury.
81

Capitalization

Capitalization – Report whether a
delinquent amount (PITI or fees) were
capitalized and added to the outstanding
principal balance.
Capitalization – Capitalization is defined
as instances where accrued and/or
deferred principal, interest, servicing

Page 33 of 53

FR Y-14M
OMB Number 7100-0341
Expiration date December 31, 2014
Field
No.

Variable Name

Detailed Description

Allowed Values

Format

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”.
This field should only be populated for
loans with a value in Field #74
Modification Type indicating that a loan
has been modified.
82

Delinquent
Amount
Capitalized

Delinquent Amount Capitalized – Report
the total amount in dollars of the
delinquent amount that was capitalized
and added to the principal balance
through loss mitigation.

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

Whole Number

Duration of
Modification

Duration of Modification – Report the
number of months the modified terms
will be in effect.

Whole Number

Step
Modification
Flag

Step Modification Flag – Report whether
a rate modification has a “stepped” or
gradual return to non-modified rate.

Y=Yes
N=No

Character(1)

Loss Mitigation
Performance
Status

Loss Mitigation Performance Status –
Identifies whether a loan is being actively
handled by the servicer’s loss mitigation
department. Refers to all loans where
the servicer has initiated loss mitigation
procedures whether or not a particular
course of action or workout type has
been executed.

0 = No loss mitigation action
in place.
1 = Active and Performing
2 = Active and Nonperforming
3 = Broken

Character(1)

• Active and performing – Refers to any
mortgage that is currently in loss
mitigation and is performing to the terms
of a selected plan.
• Active and Non-performing – Refers to
instances where a servicer is actively
pursuing loss mitigation with a borrower
Page 34 of 53

FR Y-14M
OMB Number 7100-0341
Expiration date December 31, 2014
Field
No.

Variable Name

Detailed Description

Allowed Values

Format

Y=Yes
N=No

Character (1)

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

Whole Number

who is not currently making all payments
on the mortgage.
• Broken – Populated for situations
where the borrower has defaulted on the
terms of loss mitigation plan and the
servicer has removed the loan from loss
mitigation and is proceeding with the
default process.
Note: If loss mitigation efforts have been
initiated but no plan has been executed
as of the month‐end, the Loss Mitigation
Performance Status should be coded as
2: Active and Non‐Performing.
If a loan is not in loss mitigation, then it
should be coded as 0: No loss mitigation
action in place and should not be left
blank.
86

Principal
Deferred

(This field is RETIRED and should no
longer be submitted)
Principal Deferred – Report whether a
loan had principal deferred through a
loss mitigation.

Principal
Deferred
Amount

This field should only be populated for
loans with a value in Field #74
Principal Deferred Amount: Report the
total amount in dollars of the principal
that was deferred through loss
mitigation.
Note: In cases where the principal
deferral is monthly, they should be
reported as
aggregated. Principal deferrals are
generally done at once. Only the amount
of principal that is deferred should be
reported. Report the aggregate amount
of deferred principal provided over the
life of the loan assuming that the
borrower performs as agreed.

Page 35 of 53

FR Y-14M
OMB Number 7100-0341
Expiration date December 31, 2014
Field
No.

Variable Name

Detailed Description

Allowed Values

Format

Y=Yes
N=No

Character (1)

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

Whole Number

1 = Full Appraisal
2 = Limited Appraisal
3 = Broker Price Opinion
4 = Desktop Valuation
5 = Automated Valuation
Model

Character(1)

This field should only be populated for
loans with a value in Field #74
Modification Type indicating that a loan
has been modified.

Principal Write- (This field is RETIRED and should no
down
longer be submitted)
Principal Write-down – Report whether
principal was forgiven through loss
mitigation.

This field should only be populated for
loans with a value in Field #74
Modification Type, indicating that a loan
has been modified
Principal Write- Principal Write-Down Amount– Report
Down Amount the principal write-down amount for the
loans where the principal was forgiven
through loss mitigation.
This field should only be populated for
loans with a value in Field #74
Modification Type indicating that a loan
has been modified
Note: Report the aggregate amount of
principal write-down provided over the
life of the loan assuming that the
borrower performs as agreed.
Performance incentive payments offered
to all borrowers should not be included
as principal write-downs (i.e., the annual
HAMP forgiveness payments should not
be flagged as principal reductions).

Property
Valuation
Method at
Modification

Property Valuation Method at
Modification – Report the method used
to determine the property value prior to
loan modification.
• Full appraisal – Prepared by a certified

Page 36 of 53

FR Y-14M
OMB Number 7100-0341
Expiration date December 31, 2014
Field
No.

Variable Name

Detailed Description

Allowed Values

appraiser

6 = Unknown

Format

• Limited appraisal – Prepared by a
certified appraiser
• Broker Price Opinion “BPO” – Prepared
by a real estate broker or agent
• Desktop Valuation – Prepared by bank
employee
• Automated Valuation Model “AVM”
This field should only be populated for
loans with a value in Field #74
Modification Type indicating that a loan
has been modified
91

Interest Type
Conversion
Duration

Indicates whether the interest type was
converted from ARM to Fixed through
loss mitigation, and the duration of the
fixed rate period.
This field should only be populated for
loans with a value in Field #74
Modification Type indicating that a loan
has been modified.

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.

0 = Not converted to Fixed
Rate
1 = Converted to Fixed Rate
for 1-36 Months
2 = Converted to Fixed Rate
for 37-60 Months
3 = Converted to Fixed Rate
for 61-120 Months
4 = Converted to Fixed Rate
for Greater than 120 Months

Character(1)

N = No
Y = Yes

Character(1)

Page 37 of 53

FR Y-14M
OMB Number 7100-0341
Expiration date December 31, 2014
Field
No.
93

Variable Name

Detailed Description

Total
Total Debt is comprised of:
Debt at Time of
any Involuntary 1) Unpaid Principal Balance;
Termination
2)Interest pass through Amount (interest
paid to the Investor to purchase loan out
of pool or any prior years interest
charged off at non-accrual status);

Allowed Values

Format

Whole Number
e.g.,
2123 for $2,122.81
Use banker’s rounding.

Whole Number

Whole Number
e.g.,
2123 for $2,122.81
Use banker’s rounding.

Whole Number

3) Total Corporate Advance (incl.
Property Preservation and Attorney’s
fees);
4) Total Escrow Advance (taxes and
insurance paid)
Note: Any involuntary termination
includes REO, Short Sale, Deed-in-lieu of
foreclosure, Third Party Sale or Chargeoff.
Note: This field is a required field for
Investor Type code values 4 (Private
Securitized) and 7 (Portfolio) and best
efforts for all others.
94

Net Recovery
Amount

Sales price net of costs of sales (e.g.,
sales commissions and buyer
concessions)
Note: Since net proceeds should be the
same as Net Recovery Amount (Field
#94), report net proceeds in Field #94 for
short sales and third party sales, along
with all other involuntary terminations.
Since the net recovery amount cannot be
computed until the loan has been sold
(or charged off), you need to also obtain
the sales price the property sold at and
place the sales price of the property in
Field #121.
Note: This field is a required field for
Investor Type code values 4 (Private
Securitized) and 7 (Portfolio) and best

Page 38 of 53

FR Y-14M
OMB Number 7100-0341
Expiration date December 31, 2014
Field
No.

Variable Name

Detailed Description

Allowed Values

Format

efforts for all others.
95

Credit
Enhanced
Amount

Total amount of credit enhancement
received that offset the loss. Could come
from mortgage insurance proceeds, pool
arrangements in deals, or other features
of securities structures.

Whole Number
e.g.,
2123 for $2,122.81
Use banker’s rounding.

Whole Number

Troubled Debt
Restructure
Flag

Troubled Debt Restructure Flag – A flag
designating whether a loan was modified
as a Troubled Debt Restructuring (TDR).
All TDRs must be evaluated for
impairment under Statement of Financial
Accounting Standards No. 114
(Accounting by Creditors for Impairment
of a Loan), as part of the Allowance for
Loan and Lease Losses analysis.

Y=Yes
N=No

Character(1)

Reported as
Bank Owned
Flag

Reported as Bank-Owned Flag – Indicates
whether the serviced for others loan is
recorded on the bank's own balance
sheet for accounting purposes. Applies
only to loans with an Investor Code other
than "Portfolio". Should be coded as Y
for the following loans:

Y=Yes
N=No

Character(1)

Y=Yes
N=No

Character(1)

• GNMA Eligible Repurchases – In
accordance with FAS 140, GNMA loans
that are subject to Removal of Accounts
Provisions (ROAPs) and eligible for
repurchase.
• Other Loans Reported On-Balance
Sheet under FAS 140 – To reflect banksupported securitizations and/or other
indemnifications.
98

Interest Rate
Reduced
(Effective for
submission of
June 2013
data)

Report whether the interest rate has
been reduced to be less than the
scheduled value through loss mitigation.
For example, if a fixed-rate loan with a
rate of 6% is reduced to 2% as a result of
loss mitigation, the BHC would report ‘Y’
for this field.

Page 39 of 53

FR Y-14M
OMB Number 7100-0341
Expiration date December 31, 2014
Field
No.

Variable Name

Detailed Description

Allowed Values

Format

Y=Yes
N=No

Character(1)

Y=Yes
N=No

Character(1)

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

Whole Number

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

Whole Number

This field should only be populated for
loans with a value in Field #74
(Modification Type).

100

101

102

Interest Rate
Frozen
(Effective for
submission of
June 2013
data)

Term Extended
(Effective for
submission of
June 2013
data)

P&I Amount
Before
Modification
(Effective for
submission of
June 2013
data)
P&I Amount
After
Modification
(Effective for
submission of
June 2013
data)

Report whether the interest rate was
frozen and at a lower rate than if
allowed to adjust through loss mitigation
For example, if a loan resetting from 4%
to 6% is frozen at the 4% rate, the BHC
would report ‘Y’ for this field.
This field should only be populated for
loans with a value in Field #74
(Modification Type).
Report whether the remaining term of
the loan was extended through loss
mitigation.
This field should only be populated for
loans with a value in Field #74
(Modification Type).
Report the scheduled principal and
interest amount in the month prior to
loan modification.
This field should only be populated for
loans with a value in Field #74
(Modification Type).
Report the scheduled principal and
interest amount in the month following
loan modification.
This field should only be populated for
loans with a value in Field #74
(Modification Type).

Page 40 of 53

FR Y-14M
OMB Number 7100-0341
Expiration date December 31, 2014
Field
No.
103

104

105

106

107

108

Variable Name

Detailed Description

Allowed Values

Format

Interest Rate
Before
Modification
(Effective for
submission of
June 2013
data)
Interest Rate
After
Modification
(Effective for
submission of
June 2013
data)
Remaining
Term Before
Modification
(Effective for
submission of
June 2013
data)
Remaining
Term After
Modification
(Effective for
submission of
June 2013
data)
Escrow
Amount Before
Modification
(Effective for
submission of
June 2013
data)

Report the interest rate in the month
prior to loan modification.

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

Numeric, up to 5
decimals.

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

Numeric, up to 5
decimals.

Whole Number

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

Whole Number

Escrow
Amount After
Modification
(Effective for
submission of
June 2013
data)

Report the escrow amount in the month
after loan modification. This should be
the escrow portion of the monthly
payment and not the full escrow balance.

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

Whole Number

This field should only be populated for
loans with a value in Field #74
(Modification Type).
Report the interest rate in the month
after loan modification.
This field should only be populated for
loans with a value in Field #74
(Modification Type).
Report the remaining term in the month
prior to loan modification.
This field should only be populated for
loans with a value in Field #74
(Modification Type).
Report the remaining term in the month
after loan modification.
This field should only be populated for
loans with a value in Field #74
(Modification Type).
Report the escrow amount in the month
prior to loan modification. This should
be the escrow portion of the monthly
payment and not the full escrow balance.
This field should only be populated for
loans with a value in Field #74
(Modification Type).

This field should only be populated for
loans with a value in Field #74
(Modification Type).
Page 41 of 53

FR Y-14M
OMB Number 7100-0341
Expiration date December 31, 2014
Field
No.
109

110

Variable Name

Detailed Description

Allowed Values

Format

Alternative
Home
Liquidation
Loss Mitigation
Date
(Effective for
submission of
June 2013
data)

Report the date on which the most
recent Alternative Home Liquidation Loss
Mitigation strategy was executed (when
the program was completed).

YYYYMMDD

Alternative
Home
Retention Loss
Mitigation
Date
(Effective for
submission of
June 2013
data)

Alternative Home Liquidation Loss
Mitigation Strategies include the new
and evolving strategies that are designed
to minimize loan losses and avert loan
foreclosures. These strategies include,
but are not limited to, other alternative
programs intended to limit the costs and
losses related to the sale of the home,
deed in lieu, or foreclosure, but which
result in the borrower forfeiting
ownership of the home. These new
strategies are in addition to traditional
home liquidation loss mitigation
strategies, such as short sales and deeds
in lieu of foreclosure.
Note: This field should be used only for
programs that cannot be coded under
any other plan. Loans coded in
traditional plans should not be coded
here as well.
Report the date on which the most
recent Alternative Home Retention Loss
Mitigation strategy was executed (when
the program was completed).
Alternative Home Retention Strategies
include the various new and evolving loss
mitigation strategies that are designed to
minimize loan losses, avert loan
foreclosures, and enable borrowers to
retain their residence. These strategies
include, but are not limited to, "short
refinances" (servicer facilitates a loan
refinance, with the investor accepting a
short payoff of the existing first
mortgage), and other refinance or
alternative programs intended to
prevent the sale of the home, a deed in
lieu, or a foreclosure.
Page 42 of 53

FR Y-14M
OMB Number 7100-0341
Expiration date December 31, 2014
Field
No.

Variable Name

Detailed Description

Allowed Values

Format

1=Full Appraisal
2=Limited Appraisal
3=Broker Price Opinion
4=Desktop Valuation
5=Automated Valuation
Model
6=Unknown

Character(1)

0 = The loan was not sold to
a third party (also code zero
loans not in foreclosure)
1 = The loan was sold to a
third party at foreclosure
sale

Character(1)

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

Whole Number

Note: This field should be used only for
programs that cannot be coded under
any other plan. Loans coded in
traditional plans should not be coded
here. If alternative loss mitigation does
not apply to the loan, report this field as
NULL.
111

Original
Property
Valuation
Method
(Effective for
submission of
June 2013
data)

112

Third Party
Sale Flag
(Effective for
submission of
June 2013
data)

113

Escrow
Amount
Current
(Effective for
submission of
June 2013
data)

Identifies the method by which the value
of the property was determined at the
time the loan was originated.
Options are:
•Full appraisal – Prepared by a certified
appraiser
•Limited appraisal – Prepared by a
certified appraiser
•Broker Price Opinion “BPO” – Prepared
by a real estate broker or agent
•Desktop Valuation – Prepared by bank
employee
•Automated Valuation Model “AVM”
Identification of Third Party Sales at time
of Foreclosure Sale
Identify any loan where the title has
transferred to a party other than the
servicer at the time of foreclosure sale. If
the loan was not sold to a third party or
is not currently in foreclosure this field
should be coded with a zero. For
example, if the loan was conveyed from
the owner to the lender (or servicer), this
would not be considered a Third Party
Sale, and this field should be coded with
a zero.
Report the scheduled escrow amount
(including taxes and insurance) due from
the borrower scheduled for the reporting
month.
For non-escrow loans, report a value of
zero.

Page 43 of 53

FR Y-14M
OMB Number 7100-0341
Expiration date December 31, 2014
Field
No.
114

115

116

Variable Name

Detailed Description

Allowed Values

Format

Escrow
Amount at
Origination
(Effective for
submission of
June 2013
data)

Report the escrow amount (including
taxes and insurance) due from the
borrower at origination of the loan
(included in the first payment).

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

Whole Number

Remodified
Flag
(Effective for
submission of
June 2013
data)

Flag any loan that has been modified
more than once in the last 24 months.

N = No
Y = Yes

Character(1)

Mortgage
Insurance
Company
(Effective for
submission of
June 2013
data)

Mortgage Insurance Company

MI Company Coding
1 = GE
2 = MGIC
3 = PMI
4 = UGIC
5 = RMIC
6 = Radian
7 = Integon
8 = Triad
9 = CMG
10 = Essent
11 = No MI
12 = Has MI - Company
Other/Unknown
99 = Unknown whether has
MI

Numeric

For non-escrow loans, report a value of
zero.

Code with a “Y” any loan that has been
modified more than once in the last 24
months.

Note: List subject to change
for new MI Company
entrants.
117

Interest Type
at Origination
(Effective for
submission of
June 2013
data)

Interest Type at Origination

1 = Fixed
2 = Variable

Character(1)

• Fixed – Loans where the interest rate is
fixed for the entire term.
• 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
Page 44 of 53

FR Y-14M
OMB Number 7100-0341
Expiration date December 31, 2014
Field
No.

Variable Name

Detailed Description

Allowed Values

Format

1 = FRB
2 = OCC
3 = FDIC

Character(1)

e.g, 125000 for $125,000.00

Whole Number

fixed period.

118

Entity Serviced
(Effective for
submission of
June 2013
data)

Report the Federal Regulator of the BHC
subsidiary that is servicing the loan. If
the loan is a commercial loan secured by
residential real estate loans, report the
Federal Regulator of the entity servicing
the commercial loan.

Example: The ‘Entity Serviced’ should be
segmented out by the entities within the
BHC. Examples: If the loan is serviced by
a national bank, then the Entity Serviced
is OCC (code value = 2). If the loan is
serviced by a state nonmember bank,
then the ‘Entity Serviced’ is FDIC (code
value = 3). If the loan is serviced by a
state member bank or a subsidiary of a
BHC that is not a federally insured bank,
then the ‘Entity Serviced’ is FRB (code
value = 1).
119

Loss/Write
down Amount
(Effective for
submission of
June 2013
data)

Report losses and principal write downs
incurred during the month, including all
write-offs of principal, interest,
receivables, or accruals that are deemed
uncollectible.
Report all 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 charged
against the ALLL. This should include

Page 45 of 53

FR Y-14M
OMB Number 7100-0341
Expiration date December 31, 2014
Field
No.

Variable Name

Detailed Description

Allowed Values

Format

YYYYMMDD

accounting adjustments to fair market
value.
If multiple write-downs occurred in a
given month, report the total amount of
write-downs for that month.
The Loss/Write-down Amount is
intended to parallel the amount and
timing of loss recognized under
regulatory accounting rules prior to,
upon and following foreclosure of the
property securing the loan. As a general
rule, the amount of recognized loss is the
difference between the recorded
amount of the loan and the fair market
value of the asset (less cost to sell). The
Loss/Write-down Amounts recognized in
subsequent months after foreclosure are
the adjustments, if any, to the onbalance sheet value of the foreclosed
asset. Include in the Loss/Write-down
Amount items charged directly to the
Allowance for Loan and Lease Losses as
well as items charged to unearned
interest, any valuation allowance
established against the asset and
accounts related to item 5.j on Schedule
RI – “Net gains (losses) on sales of other
real estate owned”.
120

Loss/Write
down Date
(Effective for
submission of
June 2013
data)

Date on which the loss or write-down
was incurred. If multiple write-downs
occurred in a given month, report the
date of most recent write-down for that
month. Specific dates should be
reported. However, if the BHC can only
identify the month, then the ‘DD’ portion
should be reported as ‘01’ (e.g.
20120301 for March of 2012).

Page 46 of 53

FR Y-14M
OMB Number 7100-0341
Expiration date December 31, 2014
Field
No.
121

Variable Name

Detailed Description

Allowed Values

Format

Sales Price of
Property
(Effective for
submission of
June 2013
data)

Report the final sales price at which the
property was disposed by the BHC in the
case of involuntary termination. Provide
the same price as the BHC would submit
to public records data. Net proceeds
from short sales or third party sales
should be reported in item #94.

Whole Number
e.g.,
2123 for $2,122.81

Whole Number

0 = No junior lien on
property
1 = One or more junior liens
are on the property and all
are performing
2 = One or more junior liens
are on the property and one
or more junior liens are not
performing
3 = One or more junior liens
are on the property and
status is unknown
4 = Presence of junior lien is
unknown.
N = No
Y = Yes
U=Unknown

Character(1)

Note: This field is a required field for
Investor Type code values 4 (Private
Securitized) and 7 (Portfolio) and best
efforts for all others.
122

Performance of
Junior Lien(s)
(Effective for
submission of
June 2013
data)

Indicates whether the junior lien(s) are
performing or not.
Note: This field is a required field for
“Portfolio” and “Serviced By Others”
loans, and best efforts field for “Serviced
For Others”. This includes junior liens not
held by the BHC.
A loan is considered non-performing if
the loan is not current (30 days or more
past due by the MBA method).

123

Ever 90+ DPD
in the Past 12
months
(Effective for
submission of
June 2013
data)

Delinquent history information in the
past 12 months. Use the Mortgage
Bankers Association delinquency
method.


“Y” if ever in 90 or more than 90 days
past due in the past 12 months



“N” if not ever in 90 or more than 90
days past due in the past 12 months



“U” if unknown

Character(1)

Page 47 of 53

FR Y-14M
OMB Number 7100-0341
Expiration date December 31, 2014
Field
No.
124

125

126

127

Variable Name

Detailed Description

Allowed Values

Format

Commercial
Loan Flag
(Effective for
submission of
June 2013
data)

Is the loan a commercial real estate (CRE)
or commercial business purpose loan or
transaction?

0 = No. This loan is not a
CRE or commercial business
purpose loan.
1 = Yes. This loan is a CRE or
commercial business
purpose loan.

Character(1)

Basel II – PD
(Effective for
submission of
March 2013
Data)

Report the Basel II Probability of Default
(PD) for the account. More specifically,
report the PD associated with the
account’s corresponding Basel II
segment.

A one in ten probability of
default should be reported
as 0.1.

Numeric, up to 5
decimals

Basel II – LGD
(Effective for
submission of
March 2013
data)

Note: Applicable only to the Basel II
reporting banks. This item is required for
BHC-owned loans only.
Report the Basel II Loss Given Default
(LGD) for the account. More specifically,
report the LGD associated to the
account’s corresponding Basel II
segment.

A ninety percent loss given
default should be reported
as 0.9.

Numeric, up to 5
decimals

A ninety percent expected
loss given default should be
reported as 0.9.

Numeric, up to 5
decimals.

Basel II – ELGD
(Effective for
submission of
March 2013
data)

This field is reserved for certain CRE or
commercial business purpose loans
secured by 1-4 residential properties
where the underlying 1-4 residential
loans are required to be reported on
Schedule Y-9C as 1-4 residential
mortgage loans. While the purpose of
the transaction is commercial, Y-9C
requires any 1-4 family residential loans
securing the transaction to be reported
as a 1-4 residential property.

Note: Applicable only to the Basel II
reporting banks. This item is required for
BHC-owned loans only.
Report the Basel II Expected Loss Given
Default (ELGD) parameter for the
account. More specifically, report the
ELGD associated to the account’s
corresponding Basel II segment. Missing
or unavailable values should be reported
as null.
Note: Applicable only to the Basel II
reporting banks. This item is required for
BHC-owned loans only.

Page 48 of 53

FR Y-14M
OMB Number 7100-0341
Expiration date December 31, 2014
Field
No.
128

Variable Name

Detailed Description

Allowed Values

Format

Basel II – EAD
(Effective for
submission of
March 2013
data)

Report the Basel II dollar Exposure at
Default (EAD) for the account. More
specifically, report the EAD associated to
the account’s corresponding Basel II
segment. In particular, for open-ended
exposures assign to all the accounts in a
particular Basel II segment the
corresponding LEQ, CCF, or related
parameters, associated with that
segment. After the corresponding
parameter is assigned to each account,
calculate the account EAD and report this
as the variable value.

Whole Number, e.g. 5123
for $5,122.81

Whole Number

Note: Applicable only to the Basel II
reporting banks. This item is required for
BHC-owned loans only.
Abbreviations:
LEQ: Loan-equivalent-exposure
CCF: Credit Conversion Factor
129

Entity Type
(Effective for
submission of
June 2013
data)

Report the registered entity type of the
BHC subsidiary that owns the reported
loan. If the loan is not owned by the BHC
or its subsidiaries, report the entity type
as ‘Other.’

1 = National Bank
2 = State Member Bank
3 = Nonmember Bank
4 = State Credit Union
5 = Federal Credit Union
6 = Non-bank Subsidiary
0 = Other

Whole number

130

HFI FVO/HFS
Flag
(Effective for
submission of
June 2013
data)

Portfolio held for investment (HFI), Fair
Value Option (FVO), and Held for Sale
(HFS) Flag

Y= Yes
N = No

Character(1)

Portfolio HFI FVO / HFS Flag – Identify all
portfolio loans held for investment (HFI)
measured at fair value under a fair value
option (FVO) or held for sale (HFS).
Note: For non-portfolio loans leave this
field NULL.

Page 49 of 53

FR Y-14M
OMB Number 7100-0341
Expiration date December 31, 2014
Field
No.
131

132

Variable Name

Detailed Description

Allowed Values

Format

Interest Only
Term – Original
(Effective for
submission of
June 2013
data)
Interest Type Current
(Effective for
submission of
June 2013
data)

Report the number of months where the
loan payment is interest only. Provide
this information based on the original
loan terms.

Whole Number

Report the loan interest type in the
current reporting month.

1 = Fixed
2 = Variable

Character(1)

1 = Fixed 30

Character(2)

133

Product Type –
Origination
(Effective for
submission of
June 2013
data)

Report the product type as of the loan
origination
Identifies the product type of the
mortgage, including the interest type,
amortization term and initial fixed period
for hybrid products.
Fixed 30 – Fixed rate amortizing loans
with a 30 year loan term. Also include
fixed rate loans where loan term is
greater than 20 and less than 30 years.
Fixed 20 – Fixed rate amortizing loans
with a 20 year loan term. Also include
fixed rate loans where loan term is
greater than 15 and less than 20 years.
Fixed 10 – Fixed rate amortizing loans
with a 10 year loan term. Also include
fixed rate loans where loan term is less
than 10 years.

2 = Fixed 20
3 = Fixed 15
4 = ARM 2
5 = ARM 3
6 = ARM 5
7 = ARM 7
8 = ARM 10
9 = ARM Other
10 = Other
11 = Fixed 40
12 = Fixed Greater than 40
13 = Fixed Other

Fixed 40 – Fixed rate amortizing loans
with a 40 year term. Also include fixed
Page 50 of 53

FR Y-14M
OMB Number 7100-0341
Expiration date December 31, 2014
Field
No.

Variable Name

Detailed Description

Allowed Values

rate loans where loan term is greater
than 30 and less than 40 years.

14 = Fixed 10

Format

Fixed Greater than 40 - Fixed rate loans
with loan term greater than 40 years.
Fixed Other – Fixed rate loan where the
loan term does not fall under any of the
categories (Fixed 30, Fixed 20, Fixed 15,
Fixed 10, Fixed 40, Fixed Greater than
40). Use this code where the loan is not
simply a fixed-rate amortizing term loan.
Some examples include Balloon, interest
only or fixed rate pay option loans.
ARM 2 – Adjustable rate mortgage where
the initial rate reset is less than or equal
to 2 years.
ARM 3 – Adjustable rate mortgage where
the initial rate reset is greater than 2
year and less than or equal to 3 years.
ARM 5 – Adjustable rate mortgage where
the initial rate reset is greater than 3
year and less than or equal to 5 years.
ARM 7- Adjustable rate mortgage where
the initial rate reset is greater than 5
year and less than or equal to 7 years.
ARM 10 – Adjustable rate mortgage
where the initial rate reset is greater
than 7 year and less than or equal to 10
years.
ARM Other – Adjustable rate loan where
the loan term does not fall under any of
the categories (ARM 2, ARM 3, ARM 5,
ARM 7, ARM 10). An example would be
an Option ARM or ARM 15.

Other – Use this code to capture loans
Page 51 of 53

FR Y-14M
OMB Number 7100-0341
Expiration date December 31, 2014
Field
No.

Variable Name

Detailed Description

Allowed Values

Format

which do not fall into any of the
categories listed above. An example
would be Graduated Payment Mortgages
(GPMs).

Page 52 of 53

FR Y-14M
OMB Number 7100-0341
Expiration date December 31, 2014
Portfolio Level Table
Field
No.
1

Variable Name

Detailed Description

Allowed Values

Format

Portfolio
Segment ID

Identification of which portfolio segment is
being reported.

1 = Serviced
2 = Portfolio HFI Purchased
Impaired
3 = Portfolio HFI FVO / HFS
4 = Other Portfolio

Character(1)

Principal
Balance

Unpaid Principal Balance – The total
principal amount outstanding as of the end
of the month for the portfolio segment.
The UPB should not reflect any accounting
based write-downs and should only be
reduced to zero when the loan has been
liquidated – either paid-in-full, charged-off,
REO sold or Service transferred

Current unpaid balance at end
of the reporting month.

Whole
Number

Loss / Write-down Amount – For all active
loans, report all cumulative lifetime writedowns 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.

Cumulative lifetime loss or
principal write-down on loans
in the portfolio segment for all
active loans in that segment.

Loss / Writedown Amount

Report in millions of dollars.

Whole
Number

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

Page 53 of 53

FR Y-14M
OMB Number 7100-0341
Expiration date December 31, 2014

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. Recently,
these schedules have been expanded to included REO loans, and such loans will also be included in the Address
Matching data collection.
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.
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_ADDRESSMATCH___.TXT
SUBMISSION_NUMBER will be used to track revisions and resubmissions of this schedule. It must be populated as
a two-digit number. For example, the first submission for a given period would have a submission number of ‘01.’
If the BHC 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 ipe‐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 Address Match data file submitted for period 201206, the file
would be named as FRY14_ADDRESSMATCH_999999_201206_01.TXT. Any subsequent revised Address Match
data file submitted by the institution for the same period will be named as FRY14_ADDRESSMATCH_
999999_201206_02.TXT, and so on.
Page 1 of 4

FR Y-14M
OMB Number 7100-0341
Expiration date December 31, 2014
No
1

Name
Loan Number

Detailed Description
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).

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

Format
Character(32)

Note: Please provide the
same loan number that is
provided in the FR Y‐14M
First Lien and Home
Equity schedule
submissions. The loan
number will be consistent
across the Address Match,
First Lien, and Home
Equity data.

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(100)

Property City

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

Text field

Text(50)

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

Two-letter postal codes
for the state.

Character(2)

Property ZIP
code

Five-digit or nine-digit
number. Include leading
zeroes WITH NO DASHES,
e.g.:
00901
101015271

Character(9)

Nine-digit ZIP code of the property or
five-digit ZIP code if nine-digit is not
available.
Please be sure to provide the
property ZIP code (not the mailing
ZIP).
Note: Provide the zip code as 9 digits
when available.

Page 2 of 4

FR Y-14M
OMB Number 7100-0341
Expiration date December 31, 2014
No

Name

Detailed Description

Allowed Values

Format

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.

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

Text(100)

Mailing City

The borrower’s mailing city. May be
the same as the Property City.

Text field.

Text(50)

Mailing State

The borrower’s mailing state. May
be the same as the Property State.

Two-letter postal codes for
the state.

Character(2)

Five-digit or nine-digit
number. Include leading
zeroes WITH NO DASHES,
e.g.: 00901
101015271

Character(9)

0 =Not paid-in-full
1 = Voluntary
Payoff/Refinance (includes
Property Sale)
2 = Involuntary liquidation
3 = Servicing transfer

Character(1)

1 = First Lien
2 = Second Lien
3 = Third Lien

Character(1)

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

Character(10)

If the Mailing State is an
international address, then use a
code value of "FF" to represent the
Mailing State information.
9

Mailing ZIP
Code

Nine-digit ZIP code of the mailing
address or five-digit ZIP code if ninedigit is not available.
If the Mailing zip code is an
international address, and greater
than 9 characters, leave the foreign
mailing zip code as NULL.

Liquidation
Status

Whether and how the loan was paidin-full.

Original Lien
Position

1st, 2nd, 3rd, etc.

Census Tract

Census tract of the property address.
Use the 2010 Census Tract
definitions. Census tracts are
identified by an up to four digit
integer number and may have an

Page 3 of 4

FR Y-14M
OMB Number 7100-0341
Expiration date December 31, 2014
No

Name

Detailed Description
optional two‐digit suffix. The census
tract codes consist of six digits with
an implied decimal between the
fourth and fifth digit corresponding
to the basic census tract number but
with leading zeroes and trailing
zeroes for census tracts without a
suffix.

Allowed Values
Format
Example: The census tract
2345.06 would have the code
of 234506. The census tract
78 would have a value of
007800. Please provide the
data as 234506 and 007800
respectively for the examples
listed.

Use the 2010 Census Tract
definitions. For additional details
refer to the Census Bureau website.
13

Data File
Reference
(Effective for
submission of
June 2013
data)

Indicates if the loan is included in Y14M First Lien Closed-end data or Y14M Home Equity Loan and Home
Equity Line data file submission for
that month.

1 = Available in the Y-14M
Character(1)
First Lien Closed-end data file
2 = Available in the Y-14M
Home Equity Loan and Home
Equity line data file

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File Type	application/pdf
File Title	FR_Y-14M_Contact_Information.xlsx
Author	m1jas00
File Modified	2013-04-11
File Created	2013-04-11