Download:
pdf |
pdfUS Department of Housing and Urban Development
Single Family Housing
Developer’s Guide
For
Total Scorecard
Final
System:
Subsystem:
Component:
Releases:
Document Type:
CHUMS
AUS
[Component]
2.2
Developer’s Guide
Document Date:
July 6, 2010
July 6, 2010
DEVELOPERS GUIDE FOR TOTAL SCORECARD
Table of Contents
Introduction
Getting Started
Interface File Descriptions
1
2
4
List of Appendices
Appendix A -- Scorecard Data Elements .................................................................................... A-1
Appendix B -- Scorecard Error Codes .........................................................................................B-1
Appendix C – Scorecard DTDs ...................................................................................................C-1
Appendix D – Revisions ............................................................................................................. D-1
i
JULY 6, 2010
INTRODUCTION
Introduction
Purpose of TOTAL Scorecard Developer’s Guide
The TOTAL Scorecard Developer’s Guide provides the necessary information to establish an interface between the FHA’s TOTAL
Scorecard and an Automated Underwriting System(AUS). This document is primarily aimed at the software development and
maintenance staff supporting an AUS. The document contains the following sections:
Section 1 - Introduction to TOTAL Scorecard includes an overview of TOTAL Scorecard.
Section 2 - Getting Started describes communication protocols, tips on building your TOTAL Scorecard
interface, and security requirements.
Section 3 - Interface File Descriptions details XML file formats and error handling.
Appendices – including the Scorecard Data Elements, Error Codes and the DTD.
Overview of TOTAL Scorecard
TOTAL Scorecard is a transaction-based system. The steps below describe the processing of loan information from the lender’s AUS,
to the TOTAL Scorecard, and back to the lender. These steps must be performed for each transaction processed through the TOTAL
Scorecard.
1.
2.
3.
4.
5.
Loan information is entered into the lender’s AUS.
The lender requests an underwriting decision from the AUS.
The AUS pulls the borrower’s credit and applies eligibility rules.
The AUS calls the TOTAL Scorecard
The AUS examines the TOTAL Scorecard results along with other criteria to provide an underwriting decision.
NOTES:
1
JULY 6, 2010
GETTING STARTED
Getting Started
his section is designed to assist AUS developers (management and staff) in planning the organization’s interface
to the TOTAL Scorecard.
T
The following topics are outlined in this section:
Things to Consider - There are decisions that the AUS developer must take into consideration when
developing the TOTAL Scorecard interface.
Building the TOTAL Scorecard Interface - There are steps that the AUS developer must follow with
regard to implementation of these requirements, whether it be for initial or subsequent use. Most steps are
likely to already be part of your system development process.
Security Requirements and Recommendations - There are general rules and requirements that apply to
the AUS developer when interfacing with the TOTAL Scorecard which directly impact system and datarelated security.
Things to Consider
This section provides some key points for your consideration in the planning and development of the TOTAL Scorecard interface.
Interface Data File Formats
The TOTAL Scorecard uses Extensible Markup Language (XML). XML uses tags that define the data elements. The TOTAL
Scorecard DTD is included in Appendix C in this document. The TOTAL Scorecard uses an SSL secured Hypertext Transfer Protocol
(HTTPS) Uniform Resource Locator (URL). For further information regarding interface file descriptions, refer to section 3 of this
manual.
Communications Protocol
The communications protocol for TOTAL Scorecard is TCP/IP via the Internet. The call to the TOTAL Scorecard will be via an
HTTPS POST.
The HTTPS communications protocol provides two layers of data protection.
The HTTPS communications protocol requires that a certificate reside on the server. This certificate must be issued by a
trusted certificate authority. This ensures that the user is communicating with the TOTAL Scorecard and not some third party
trying to spoof the TOTAL Scorecard’s IP address.
The HTTPS protocol encapsulates standard Hyper Text Transfer Protocol (HTTP) within the Secure Socket Layer (SSL).
SSL is a universally accepted mechanism for securing data in transit across the Internet. SSL provides a very secure data
encryption mechanism.
Data Mapping
The first aspect in developing of the TOTAL Scorecard interface is reviewing the data and formats required by the TOTAL Scorecard.
The AUS developer must map each of the TOTAL Scorecard XML data elements to the corresponding data element(s) in the AUS. A
field-by-field matrix is the suggested method for accomplishing this data mapping.
Through the data mapping process you are able to identify:
Data elements that are currently available within your system - This set of data elements should not
require a significant effort in the process of developing the interface.
Data elements that are available but values must be re-mapped or calculated - These data elements
require re-mapping of the values within your system to the values that TOTAL Scorecard requires.
2
JULY 6, 2010
GETTING STARTED
Data elements that are unavailable in your system - The AUS must be modified to capture these
additional data elements, utilizing new or existing screens.
Security Requirements and Recommendations
TOTAL Scorecard’s security requirements and recommendations adhere to the standards that have been established by the Automated
Data Processing Security Office at HUD. All TOTAL Scorecard transactions are required to have the following:
User ID – up to ten alphanumeric characters; and
Password – up to ten alphanumeric characters.
User IDs and passwords are sent as part of the transaction. User IDs will be issued to partners as they are ready to begin developing
their calls to the TOTAL Scorecard.
3
JULY 6, 2010
INTERFACE FILE DESCRIPTIONS
Interface File Descriptions
T
he AUS interfacing with the TOTAL Scorecard must be able to build TOTAL Scorecard standard XML data for a given
Scorecard request. A new TOTAL Scorecard XML Data Stream must be generated for each new request made by the user.
This section details the format of both the XML Data Stream and Response File.
XML Data Stream Format
The TOTAL Scorecard XML Data Stream uses an SSL secured Hypertext Transfer Protocol (HTTPS) uniform resource locator
(URL).
protocol
server ID
file ID
https://cluster.server.com/datadirectory/file1.cfm
Figure 3.1 - Sections of a URL.
The client sends the XML data stream to the server via a generated post. The XML data stream is comprised of the value of the XML
file. The data stream should NOT be urlencoded. In urlencoding, most characters are represented as 3 character strings. The TOTAL
Scorecard is expecting that the data be sent as regular ASCII text. Not as urlencoded ASCII text.
data stream
[TOTAL Scorecard compliant XML data]
Figure 3.2 - Sample data stream.
Telecommunications Errors
Since the TOTAL Scorecard is using the HTTPS communications protocol, the exact format of telecommunications errors received
follows the standard TCP/IP telecommunications errors.
Response File Format
The TOTAL Scorecard Response File uses Extensible Markup Language (XML) to identify each data element in the file.
4
JULY 6, 2010
INTERFACE FILE DESCRIPTIONS
NOTES:
5
JULY 6, 2010
SCORECARD DATA ELEMENTS
APPENDIX A – Scorecard Data Elements
JULY 6, 2010
SCORECARD DATA ELEMENTS
Appendix A – Scorecard Data Elements
Scorecard Table Elements
Definition
Format
Size
Data Type
Input or Output? Required for Source
*
Scoring/
CHUMS
I
Scoring
1003
(Section 5)
Scoreable Criteria
DTD Element Name
1
Applicant(s) combined monthly
income
The sum, in whole dollars, of the applicant(s)
Base Employment Income, Overtime, Bonuses,
Commissions, Dividends/Interest, Net Rental
Income, and Other from Section 5 in 1003. This
includes all applicants (even if 4+).
999999
6
Scorecard
2
Appraised value, if available
"As is" or "As Repaired" from URAR (Uniform
Residential Appraisal Report) in whole dollars.
9999999
7
Scorecard
I
Scoring
URAR
3
Assets after closing (must allow
for negative amounts)
Assets available (post-closing) in whole dollars
including gifts.
999999
6
Scorecard
I
Scoring
4
FHA case number
FHA case number from FHA Connection
999-9999999
11
Scorecard
I
Scoring
5
Loan amount including MIP
Sum of loan amount and MIP in whole dollars
from Section 7 in 1003.
9999999
7
Scorecard
I
Scoring
HUD Form
92900-WS
(Line 10p)
FHA
Connection
1003
(Section 7)
6
Monthly payment, including
Principal, Interest, Taxes, and
Insurance
99999.99
8
Scorecard
I
Scoring
1003
(Section 5)
Must be > 0 and <
15000
piti
7
Mortgage Insurance Premium
99999.99
8
Scorecard
I
Scoring
Mortgage term in months (e.g.,
180 months, 360 months)
999
3
Scorecard
I
Scoring
1003
(Section 7)
1003
(Section 1)
Any non-negative
value is ok
Must be > 47 and
must be < 361
mip
8
Monthly payment, including Principal, Interest,
Taxes, and Insurance in dollars and cents.
Interest Rate should be based on Underwriting
Interest Rate.
Loan amount multiplied by the appropriate MIP
Factor in whole dollars from Section 7 of 1003.
Number of Months stated in Section 1 of 1003.
9
Sales price
Purchase Price stated in Section 7 in whole
dollars of 1003.
9999999
7
Scorecard
I
Scoring
1003
(Section 7)
10
Social Security Number for
SSN1
Social Security Number for
SSN2
Social Security Number stated in Section 3 of
1003 for SSN1.
Social Security Number stated in Section 3 of
1003 for SSN2.
999999999
9
Scorecard
I
Scoring
999999999
9
Scorecard
I
Scoring
1003
(Section 3)
1003
(Section 3)
If entered, must be > sale_price
9000 and must be <=
9,999,999
Must be a valid ssn ssn
12
Social Security Number for
SSN3
Social Security Number stated in Section 3 of
1003 for SSN3.
999999999
9
Scorecard
I
Scoring
1003
(Section 3)
If entered, must be a ssn
valid ssn
13
Social Security Number for
SSN4
Social Security Number stated in Section 3 of
1003 for SSN4.
999999999
9
Scorecard
I
Scoring
1003
(Section 3)
If entered, must be a ssn
valid ssn
14
Social Security Number for
SSN5
Social Security Number stated in Section 3 of
1003 for SSN5.
999999999
9
Scorecard
I
Scoring
1003
(Section 3)
If entered, must be a ssn
valid ssn
15
Total number of applicants
9
1
Scorecard
I
Scoring
1003
(Section 3)
Must be > 0 and
must be < 6
16
Unique identification for loan
application assigned by AUS
Total number of applicants stated in Section 3 of
1003. Total number of applicants must equal
total SSN's/FICO entered.
Identification number assigned by the AUS
scoring the loan.
char(16)
16
Scorecard
I
Scoring
AUS Vendor Must be a valid
identifier
11
July 6, 2010
A-1
Must be > 0
monthly_income
If entered, must be > appraised_value
9000 and must be <=
9,999,999
Any value is ok
assets_after_clsg
If entered, must pass fha_case_number
check digit routine.
Must be > 0
loan_amount
term
If entered, must be a ssn
valid ssn
applicants
loan_number
JULY 6, 2010
SCORECARD DATA ELEMENTS
Scorecard Table Elements
Definition
Format
999.99
6
Scorecard
999.99999
9
Scorecard
999.99999
9
Scorecard
"A", “B” or Space
1
Scorecard
99999.99
8
Scorecard
I
Scoring
See HUD
Handbook
4155
Must be > 0 and <
15000
underwriting_pi
99999.99
8
Additional
I
CHUMS
6
Scorecard
I
Scoring
Must be > 0 and <
150000
Must be > 0
contract_pi
99.999
1003
(Section 5)
See HUD
Handbook
4155
99.999
6
Additional
I
CHUMS
Must be > 0
contract_interest
99
2
Additional
I
CHUMS
Any value is ok
borr_age
99
2
Additional
I
CHUMS
1003
(Section 1)
1003
(Section 3)
1003
(Section 3)
Any value is ok
borr_age
99
2
Additional
I
CHUMS
Any value is ok
borr_age
99
2
Additional
I
CHUMS
1003
(Section 3)
1003
(Section 3)
Any value is ok
borr_age
17
Loan-To-Value Ratio
Loan amount without MIP divided by the lesser of
the appraised value or sales price of the property.
18
Front-End Ratio
19
Back-End Ratio
The projected monthly principal, interest, taxes,
and insurance payment divided by the gross
monthly income of all borrowers.
Housing plus other debt divided by monthly
income
20
Loan Indicator
21
Underwriting P&I
Defines type of loan. "A" for ARM “B” for
Buydown or space for all other loans.
P&I Amount at which loan is underwritten
Size
Data Type
Input or Output? Required for Source
*
Scoring/
CHUMS
I
Scoring
HUD Form
92900-WS
(Line 14a)
I
Scoring
HUD Form
92900-WS
(Line 14b)
I
Scoring
HUD Form
92900-WS
(Line 14c)
I
Scoring
1003
(Section 1)
(Adjusted for ARMs whose LTV is 95% or greater
Scoreable Criteria
DTD Element Name
Must be > 10 and
must be < 126
ltv
Must be > 0 and
must be < 101
front_end_ratio
Must be > 0 and
must be < 101
back_end_ratio
Must be "A" for ARM, amort_type
“B” for Buydown or a
Space
and Buydowns; same as Contract P&I for all other
loans)
22
Contract P&I
23
Underwriting Interest Rate
24
Contract Interest Rate
25
Borrower Age for SSN1
26
Borrower Age for SSN2
27
Borrower Age for SSN3
28
Borrower Age for SSN4
July 6, 2010
P&I to be used for underwriting purposes.
Should be adjusted for ARMs whose LTV is 95%
or greater to coincide with Underwriting Interest
Rate adjustment. Should be adjusted for
Buydowns to coincide with Buydown Interest
Rate. Should match Contract P&I for all other
loans.
Actual P&I payment
(CHUMS P&I)
Interest rate at which loan is underwritten
(Adjusted for ARMs whose LTV is 95% or
greater; and for Buydowns same as Contract
Interest Rate for all other loans)
Interest rate to be used for underwriting
purposes. Should be adjusted upward 1 point for
ARMs whose LTV is 95% or greater. Should
match the Buydown Interest Rate for Buydowns.
Should match Contract Interest Rate for all other
loans.
Stated interest rate on loan application
(CHUMS Interest Rate)
Borrower Age stated in Section 3 of 1003 for
SSN1.
Borrower Age stated in Section 3 of 1003 for
SSN2.
Borrower Age stated in Section 3 of 1003 for
SSN3.
Borrower Age stated in Section 3 of 1003 for
SSN4.
A-2
underwriting_interest
JULY 6, 2010
Scorecard Table Elements
29
Borrower Age for SSN5
30
Borrower Marital Status
31
Borrower Name for SSN1
32
SCORECARD DATA ELEMENTS
Definition
Format
Borrower Age stated in Section 3 of 1003 for
SSN5.
Borrower Marital Status stated in Section 3 of
1003. 1-married, 2-separated, 3-unmarried
Size
Data Type
Input or Output? Required for Source
*
Scoring/
CHUMS
I
CHUMS 1003
(Section 3)
I
CHUMS 1003
(Section 3)
Scoreable Criteria
DTD Element Name
Any value is ok
borr_age
Any value is ok
borr_marital_status
1003
(Section 3)
Any value is ok
borr_name
CHUMS
1003
(Section 3)
Any value is ok
borr_name
I
CHUMS
1003
(Section 3)
Any value is ok
borr_name
Additional
I
CHUMS
1003
(Section 3)
Any value is ok
borr_name
22
Additional
I
CHUMS
1003
(Section 3)
Any value is ok
borr_name
char(1)
1
Additional
I
CHUMS
1003
(Section 10)
Any value is ok
borr_race
char(1)
1
Additional
I
CHUMS
1003
(Section 10)
Any value is ok
borr_race
99
2
Additional
9
1
Additional
Borrower Name for SSN1 stated in Section 3 of
1003.
Last Name, First
Name M.I.
22
Additional
I
CHUMS
Borrower Name for SSN2
Borrower Name for SSN2 stated in Section 3 of
1003.
Last Name, First
Name M.I.
22
Additional
I
33
Borrower Name for SSN3
Borrower Name for SSN3 stated in Section 3 of
1003.
Last Name, First
Name M.I.
22
Additional
34
Borrower Name for SSN4
Borrower Name for SSN4 stated in Section 3 of
1003.
Last Name, First
Name M.I.
22
35
Borrower Name for SSN5
Borrower Name for SSN5 stated in Section 3 of
1003.
Last Name, First
Name M.I.
36
Borrower Race for SSN1
Borrower Race for SSN1 stated in Section 10 of
1003.
0–Not Applicable,
1-White,
2-Black or African American,
3-American Indian or Alaska Native,
4-Asian,
5-Native Hawaiian or Other Pacific Islander,
9–Not Disclosed.
37
Borrower Race for SSN2
Note – This field may appear multiple times in a
single Borrower Container
Borrower Race for SSN2 stated in Section 10 of
1003.
0–Not Applicable,
1-White,
2-Black or African American,
3-American Indian or Alaska Native,
4-Asian,
5-Native Hawaiian or Other Pacific Islander,
9–Not Disclosed.
Note – This field may appear multiple times in a
single Borrower Container
July 6, 2010
A-3
JULY 6, 2010
Scorecard Table Elements
38
Borrower Race for SSN3
SCORECARD DATA ELEMENTS
Definition
Format
Borrower Race for SSN3 stated in Section 10 of
1003.
Size
Data Type
Input or Output? Required for Source
*
Scoring/
CHUMS
I
CHUMS 1003
(Section 10)
Scoreable Criteria
DTD Element Name
Any value is ok
borr_race
1003
(Section 10)
Any value is ok
borr_race
CHUMS
1003
(Section 10)
Any value is ok
borr_race
I
CHUMS
1003
(Section 3)
Any value is ok
borr_sex
char(1)
1
Additional
char(1)
1
Additional
I
CHUMS
char(1)
1
Additional
I
char(1)
1
Additional
0–Not Applicable,
1-White,
2-Black or African American,
3-American Indian or Alaska Native,
4-Asian,
5-Native Hawaiian or Other Pacific Islander,
9–Not Disclosed.
39
Borrower Race for SSN4
Note – This field may appear multiple times in a
single Borrower Container
Borrower Race for SSN4 stated in Section 10 of
1003.
0–Not Applicable,
1-White,
2-Black or African American,
3-American Indian or Alaska Native,
4-Asian,
5-Native Hawaiian or Other Pacific Islander,
9–Not Disclosed.
40
Borrower Race for SSN5
Note – This field may appear multiple times in a
single Borrower Container
Borrower Race for SSN5 stated in Section 10 of
1003.
0–Not Applicable,
1-White,
2-Black or African American,
3-American Indian or Alaska Native,
4-Asian,
5-Native Hawaiian or Other Pacific Islander,
9–Not Disclosed.
Note – This field may appear multiple times in a
single Borrower Container
Borrower Sex for SSN1 stated in Section 3 of
1003. 1-Male, 2-Female
41
Borrower Sex for SSN1
42
Borrower Sex for SSN2
Borrower Sex for SSN2 stated in Section 3 of
1003. 1-Male, 2-Female
char(1)
1
Additional
I
CHUMS
1003
(Section 3)
Any value is ok
borr_sex
43
Borrower Sex for SSN3
Borrower Sex for SSN3 stated in Section 3 of
1003. 1-Male, 2-Female
char(1)
1
Additional
I
CHUMS
1003
(Section 3)
Any value is ok
borr_sex
44
Borrower Sex for SSN4
Borrower Sex for SSN4 stated in Section 3 of
1003. 1-Male, 2-Female
char(1)
1
Additional
I
CHUMS
1003
(Section 3)
Any value is ok
borr_sex
45
Borrower Sex for SSN5
Borrower Sex for SSN5 stated in Section 3 of
1003. 1-Male, 2-Female
char(1)
1
Additional
I
CHUMS
1003
(Section 3)
Any value is ok
borr_sex
July 6, 2010
A-4
JULY 6, 2010
Scorecard Table Elements
SCORECARD DATA ELEMENTS
Definition
Format
Borrower Birth Date for SSN1
Borrower Ethnicity for SSN1. Is borrower
Hispanic or Latino? If borrower is Hispanic or
Latino, the answer is "Y."
Borrower Ethnicity for SSN2. Is borrower
Hispanic or Latino? If borrower is Hispanic or
Latino, the answer is "Y."
Borrower Ethnicity for SSN3. Is borrower
Hispanic or Latino? If borrower is Hispanic or
Latino, the answer is "Y."
Borrower Ethnicity for SSN4. Is borrower
Hispanic or Latino? If borrower is Hispanic or
Latino, the answer is "Y."
Borrower Ethnicity for SSN5. Is borrower
Hispanic or Latino? If borrower is Hispanic or
Latino, the answer is "Y."
Borrower Birth Date for SSN1
52
Borrower Birth Date for SSN2
53
46
Borrower Ethnicity for SSN1
47
Borrower Ethnicity for SSN2
48
Borrower Ethnicity for SSN3
49
Borrower Ethnicity for SSN4
50
Borrower Ethnicity for SSN5
51
Size
Data Type
Input or Output? Required for Source
*
Scoring/
CHUMS
I
CHUMS CHUMS
Insurance
Screen
I
CHUMS CHUMS
Insurance
Screen
I
CHUMS CHUMS
Insurance
Screen
I
CHUMS CHUMS
Insurance
Screen
I
CHUMS CHUMS
Insurance
Screen
I
CHUMS CHUMS
Insurance
Screen
I
CHUMS CHUMS
Insurance
Screen
I
CHUMS CHUMS
Insurance
Screen
I
CHUMS CHUMS
Insurance
Screen
I
CHUMS CHUMS
Insurance
Screen
I
Scoring
1003
(Section 8)
"Y" or "N"
1
Additional
"Y" or "N"
1
Additional
"Y" or "N"
1
Additional
"Y" or "N"
1
Additional
"Y" or "N"
1
Additional
Yyyymmdd
8
Additional
Borrower Birth Date for SSN2
Yyyymmdd
8
Additional
Borrower Birth Date for SSN3
Borrower Birth Date for SSN3
Yyyymmdd
8
Additional
54
Borrower Birth Date for SSN4
Borrower Birth Date for SSN4
Yyyymmdd
8
Additional
55
Borrower Birth Date for SSN5
Borrower Birth Date for SSN5
Yyyymmdd
8
Additional
56
First time home buyer (FTHB)
char(1)
1
Scorecard
57
Loan purpose
Has borrower had an ownership interest in a
property in the last three years? If you have,
FTHB = "N". If you have not, FTHB = "Y". If any
borrower is a FTHB, the answer is "Y."
1-Purchase an existing house, previously
occupied
2-Finance improvements to an existing property
3-Refinance
4-Purchase a new condo unit
5-Purchase an existing condo unit
6-Purchase existing home, not previously
occupied
7-Construct home – proceeds to be paid out
during construction
8-HUD only - finance co-op purchase
char(2)
2
Additional
I
CHUMS
58
Property address
Char(60)
60
Additional
I
CHUMS
July 6, 2010
Property street address stated in Section 2 of
1003.
A-5
Scoreable Criteria
DTD Element Name
Any value is ok
borr_ethnicity
Any value is ok
borr_ethnicity
Any value is ok
borr_ethnicity
Any value is ok
borr_ethnicity
Any value is ok
borr_ethnicity
Any value is ok
borr_birth_date
Any value is ok
borr_birth_date
Any value is ok
borr_birth_date
Any value is ok
borr_birth_date
Any value is ok
borr_birth_date
“Y” or “N”
first_time_buyer
1003
(Section 2)
Any value is ok
loan_purpose
1003
(Section 2)
Any value is ok
prop_address
JULY 6, 2010
Scorecard Table Elements
SCORECARD DATA ELEMENTS
Definition
Format
Size
Data Type
Input or Output? Required for Source
*
Scoring/
CHUMS
I
CHUMS 1002
(Section 2)
Scoreable Criteria
DTD Element Name
Any value is ok
prop_city
1002
(Section 2)
Any value is ok
prop_state
CHUMS
1002
(Section 2)
Any value is ok
prop_zip
I
CHUMS
1002
(Section 2)
Any value is ok
prop_county
Additional
I
CHUMS
1003
(Section 4)
Any value is ok
self_employ
1
Additional
I
CHUMS
1003
(Section 1)
Any value is ok
veteran
999999
6
Additional
I
CHUMS
Any value is ok
borr_clsg_costs
1-digit numeric
1
Additional
I
CHUMS
HUD Form
92900-WS
(Line 5c)
1003
(Section 2)
Any value is ok
borr_type
9999.99
7
Additional
I
CHUMS
1003
(Section 5)
Any value is ok
monthly_expense
Is there an energy efficient mortgage indicator?
"Y" or "N"
1
Additional
I
CHUMS
First Payment Date
Month and Year of first payment
YYYYMM
8
Additional
I
CHUMS
Gift letter amount
Amount of Gift in whole dollars
999999
6
Additional
I
CHUMS
Any value is ok
See HUD
Handbook
4155 Chapter
2-39
CHUMS
Any value is ok
Insurance
Screen
1003
Any value is ok
(Section 7)
59
Property city
Property city name stated in Section 2 of 1003.
Char(17)
17
Additional
60
Property state
Property state abbreviation stated in Section 2 of
1003
Char(2)
2
Additional
I
CHUMS
61
Property zip code
Property zip code stated in Section 2 of 1003
Char(9)
9
Additional
I
62
Property county code
Property fips county code.
Numeric(3)
3
Additional
63
Self employed indicator for
borrower
Is borrower self-employed? If one borrower is
self-employed, the answer is "Y."
"Y" or "N"
1
64
Veteran indicator for borrower
Is borrower a Veteran? If one borrower is a
Veteran, the answer is "Y."
"Y" or "N"
65
Borrower’s Closing Costs
Buyers total closing costs subtracted by the
amount of buyer’s closing costs paid by the seller
66
Borrower Type
1-Occupant
2-Landlord
3-Reserved
4-Reserved
5-Escrow Commitment
6-Reserved
7-Corporation (Refinance Only)
8-Government Agency or Non-Profit Organization
67
Current Total Monthly Expenses Current monthly housing expenses in dollars and
for all borrowers
cents for all borrowers
68
Energy Efficient Mortgage
Indicator
69
70
July 6, 2010
A-6
eem
first_pay_date
gift_amt
JULY 6, 2010
Scorecard Table Elements
71
Gift letter source
SCORECARD DATA ELEMENTS
Definition
Format
Size
Data Type
Input or Output? Required for Source
*
Scoring/
CHUMS
I
CHUMS 1003
(Section 7)
Source of Gift
00 - N/A
01 - Relative
03 - Government Assistance
06 - Employer
15 - Nonprofit/Religious/Community – NonSeller Funded
99
Total number of dependents for borrowers
99
2
Additional
I
CHUMS
999999
6
Additional
I
CHUMS
"Y" or "N"
1
Additional
I
CHUMS
999999
6
Additional
I
CHUMS
2-digit numeric
2
Additional
I
CHUMS
2-digit numeric
2
Additional
I
CHUMS
2
Additional
73
74
Solar energy indicator
75
Total cash requirements
76
Years at Current Job for SSN1
77
Years Renting for borrower
Greatest number of years renting for any
borrower
78
Total Closing Costs
Total closing costs of the transaction
999999
6
Additional
I
CHUMS
79
Unpaid Principle Balance (for
refis)
Amount of principal due on first loan
9999999
7
Additional
I
CHUMS
80
Mortgage Basis
Total cost to the buyer, including the buyer's
share of any repairs, alterations, and additions to
the property and the closing costs, contract price,
and existing debt being refinanced, but excluding
prepaids.
9999999
7
Additional
I
CHUMS
81
Assets Available
Total assets available for closing, including cash,
savings bonds, and securities.
999999
6
Additional
I
CHUMS
82
Total Fixed Payment
Sum of the total housing expense and other
recurring charges, including all monthly payment
debts and housing debts.
999999
6
Additional
I
CHUMS
July 6, 2010
Borrower's share of closing costs and downpayment in whole dollars
Is there a solar energy indicator?
Total combined cash available to close loan in
whole dollars
Years at current job for SSN1
A-7
Any value is ok
DTD Element Name
gift_source
Please note: Field
will become required
in January 2009.
Number of Dependents for
borrowers
Required Investment
72
Scoreable Criteria
1003
(Section 3)
1003
(Section 7)
See HUD
Handbook
4155 Chapter
1-11
1003
(Section 7)
1003
(Section 4)
1003
(Section 3)
Any value is ok
dependents
Any value is ok
req_invest
Any value is ok
solar
Any value is ok
total_req
Any value is ok
years_at_job
Any value is ok
years_renting
HUD Form
92900-WS
(Line 5a)
CHUMS
Insurance
Screen
CHUMS
Insurance
Screen
Any value is ok
clsg_costs
Any value is ok
unpaid_balance
Any value is ok
mortgage_basis
CHUMS
Insurance
Screen
CHUMS
Insurance
Screen
Any value is ok
assets_avail
Any value is ok
total_fixed
JULY 6, 2010
SCORECARD DATA ELEMENTS
Scorecard Table Elements
Definition
Format
83
Counsel Type
84
Closing Date
Indicates if First Time Homebuyer (FTHB)
completed homebuyer counseling. " "- N/A, "A"Not Counseled, “D” – HUD Approved Counseling
Agency
Date loan was settled or closed.
85
Maturity Date
Date of last mortgage payment.
86
Buydown Interest Rate
87
Secondary Financing Amount
88
Secondary Financing Source
89
EEM Escrow Amount
Interest rate paid by borrower as a result of
points paid up front. To be used for underwriting
purposes.
Amount of financing provided from a source other
than the originating lender that creates a lien
against a property (even if the debt may be
forgiven by the provider of the funds).
Type of entity providing secondary financing
00 - N/A
01 - Government & Nonprofit Instrumentality of
Government
02 - Nonprofit (not Instrumentality of
Government)
03 - Private Organizations/Eligible Individuals
04 - Lender
Amount held in escrow for energy efficient
improvements.
90
Seller Concessions
91
Credit Report Type
Amount of the closing costs and financing
concessions paid by the seller on behalf of the
borrower.
Designates format of the Credit Report Data
92
Credit Report Data
Raw Credit Report
93
Lender ID
Code to Identify the originator making the
underwriting request. Should be the FHA 10 digit
lender ID.
July 6, 2010
A-8
Data Type
Input or Output? Required for Source
*
Scoring/
CHUMS
I
Scoring
CHUMS
Insurance
Screen
"A", “D”, or " "
1
Scorecard
Yymmdd
6
Additional
I
CHUMS
Yyyymm
6
Additional
I
CHUMS
99.999
6
Additional
I
CHUMS
999999
6
Additional
I
99
2
Additional
999999
6
999999
Char(10)
Unlimited
Alphanumeric
Note: When processing a loan for a Sponsored
Originator, the AUS should send the Sponsored
Originator EIN. If the AUS is unable to send the
Sponsored Originator EIN, the AUS is allowed to
send 6999609996 in this field. That value will
indicate to TOTAL Scorecard the loan is
originated by a Sponsored Originator.
Size
Char(10)
Scoreable Criteria
DTD Element Name
"A", “D”, or " "
counsel_type
CHUMS
Insurance
Screen
CHUMS
Insurance
Screen
1003
(Section 1)
Any value is ok
closing_date
Any value is ok
maturity_date
Must be > 0
buydown_interest
CHUMS
CHUMS
Insurance
Screen
Any value is ok
secondary_financing_amt
I
CHUMS
CHUMS
Insurance
Screen
Any value is ok
secondary_financing_src
Additional
I
CHUMS
6
Additional
I
CHUMS
10
Scorecard
I
Scoring
Unlimited
Scorecard
I
Scoring
CHUMS
Any value is ok
Insurance
Screen
CHUMS
Any value is ok
Insurance
Screen
Credit Report Must be a supported
Credit Report Type.
Please contact
Single Family
Housing for a current
list of supported
Credit Report Types
Credit Report Any value is ok
20
Scorecard
I
Scoring
FHA
eem_escrow_amt
seller_concessions
creditreporttype
creditreportdata
Must be a valid FHA lender_id
10 digit lender ID
JULY 6, 2010
Scorecard Table Elements
94
Sponsor ID
95
Version
96
Down Payment
97
Base Mortgage Amount
98
Base LTV
99
SCORECARD DATA ELEMENTS
Definition
Format
Size
Data Type
Input or Output? Required for Source
*
Scoring/
CHUMS
I
Scoring
FHA
Scoreable Criteria
DTD Element Name
Code to Identify the lender acting as an approved
sponsor for the originator making the
underwriting request. Should be the FHA 10 digit
lender ID. Required if the Lender ID is a Loan
Correspondent. Optional if the Lender ID is for a
DE Approved originator.
The version of the TOTAL Scorecard used during
the initial underwriting decision of the loan
application. This should match the version
output from the TOTAL Scorecard during the
initial submission of the loan application to the
TOTAL Scorecard. Should be blank for the initial
submission of a loan application.
The difference between the sales price of the
property and the mortgage amount excluding any
financed closing costs or mortgage insurance
premiums.
Mortgage amount prior to adding any financed
closing costs or any upfront mortgage insurance
premium, or any combination.
Base mortgage amount divided by the lesser of
the appraised value or sales price of the property
Char(10)
20
Scorecard
Char(11)
11
Scorecard
I
Scoring
999999
6
Additional
I
CHUMS
Any value is ok
Version
output from
the initial
submission of
the loan to the
TOTAL
Scorecard
Any value is ok
9999999
7
Additional
I
CHUMS
Any value is ok
base_mortgage_amount
999.99
6
Additional
I
CHUMS
Calculated
Any value is ok
base_LTV
Manufactured Housing
Indicator for specifying whether the dwelling is a
manufactured (mobile) home.
“Y” or “N”
1
Additional
I
CHUMS
URAR
Any value is ok
manufactured_housing
100
Number of Living Units
Number of separate dwellings. For example, a
two-family house has 2 living units.
99
2
Additional
I
CHUMS
101
ARM Type
“1”, “H”, or “N”
1
Additional
I
CHUMS
102
Refinance Type
Char(1)
1
Scorecard
I
Scoring
103
Sponsored Originator EIN
Type of ARM
1 – 1 Year Arm
H – Hybrid Arm
N – Not an ARM
“ “ - Unknown
“C” - Conventional
“H” - HOPE For Homeowners
“N” - Not Refinance
“R” - Prior FHA
“S” - Streamline Refinance
The Employer Identification Number for the
Sponsored Origination Company
Any value is ok
URLA, II.
Property
Information
and Purpose
of Loan
section, No.
of Units
Any value is ok
Note
999999999
9
Scorecard
I
Scoring
FHA
If entered, must be a _EmployerIdentificationN
umber attribute from the
valid EIN on the
CHUMS Sponsored LOAN_ORIGINATOR
Originator List.
O
Scoring
N/A
N/A
If entered, must be a sponsor_id
valid FHA 10 digit
lender ID
Any value is OK
version
down_payment
living_units
ARM_type
refinance_type
Output Variables Follow:
1
Number of review rules/credit
overrides that were triggered
July 6, 2010
The number of review rules/credit overrides that
were triggered (0-5).
A-9
99
2
Scorecard
NumReviews
JULY 6, 2010
Scorecard Table Elements
2
3
4
5
SCORECARD DATA ELEMENTS
Definition
Format
Error Code
Error codes derived during the validation process;
error codes are returned comma delimited
(Example: 166, 300, 325)
Array containing the ID of the
Comma delimited field with codes indicating which
review rules triggered
review rules were triggered.
01-Front-End Ratio
02-Back-End Ratio
04-Foreclosure
05-Bankruptcy
06-Late Mortgage Payments
07 – Ineligible for FHA financing based on values
submitted to TOTAL – See Upfront Premiums
Chart
Post-review rules Accept or Refer Accept/Refer decision. Takes into account
decision
algorithm score, review rules and credit overrides.
Size
Data Type
Input or Output? Required for Source
*
Scoring/
CHUMS
O
Scoring
N/A
Char(50)
50
Scorecard
99,99
30
Scorecard
O
Scoring
"A," "R," or "U"
1
Scorecard
O
"A," "R," or "U"
1
Scorecard
9999
4
Scoreable Criteria
DTD Element Name
N/A
Errcde
N/A
N/A
ReviewRules
Scoring
N/A
N/A
PostReview
O
Scoring
N/A
N/A
PreReview
Scorecard
O
Scoring
Credit Report N/A
LFico
6
Pre-review rules Accept or Refer Accept/Refer based only on algorithm score.
decision
Borrower1 FICO
FICO score for Borrower1
7
Borrower2 FICO
FICO score for Borrower2
9999
4
Scorecard
O
Scoring
credit Report N/A
LFico
8
Borrower3 FICO
FICO score for Borrower3
9999
4
Scorecard
O
Scoring
Credit Report N/A
LFico
9
Borrower4 FICO
FICO score for Borrower4
9999
4
Scorecard
O
Scoring
Credit Report N/A
LFico
10
Borrower5 FICO
FICO score for Borrower5
9999
4
Scorecard
O
Scoring
Credit Report N/A
LFico
11
Social Security Number for
Borrower1
Social Security Number for
Borrower2
Social Security Number for
Borrower3
Social Security Number for
Borrower4
Social Security Number for
Borrower5
Repository for selected FICO for
Borrower1
Repository for selected FICO for
Borrower2
Repository for selected FICO for
Borrower3
Repository for selected FICO for
Borrower4
Repository for selected FICO for
Borrower5
Version
Social Security Number stated in Section 3 of
1003 for Borrower1.
Social Security Number stated in Section 3 of
1003 for Borrower2.
Social Security Number stated in Section 3 of
1003 for Borrower3.
Social Security Number stated in Section 3 of
1003 for Borrower4.
Social Security Number stated in Section 3 of
1003 for Borrower5.
The Credit Repository which provided the FICO
reported from the scorecard.
The Credit Repository which provided the FICO
reported from the scorecard.
The Credit Repository which provided the FICO
reported from the scorecard.
The Credit Repository which provided the FICO
reported from the scorecard.
The Credit Repository which provided the FICO
reported from the scorecard.
The Version of the TOTAL Scorecard used during
this scorecard submission.
Identification number assigned by the AUS
scoring the loan.
999999999
9
Scorecard
O
Scoring
N/A
ssn
999999999
9
Scorecard
O
Scoring
N/A
ssn
999999999
9
Scorecard
O
Scoring
N/A
ssn
999999999
9
Scorecard
O
Scoring
N/A
ssn
999999999
9
Scorecard
O
Scoring
N/A
ssn
Char(20)
20
Scorecard
O
Scoring
1003
(Section 3)
1003
(Section 3)
1003
(Section 3)
1003
(Section 3)
1003
(Section 3)
Credit Report
N/A
repository
Char(20)
20
Scorecard
O
Scoring
Credit Report N/A
repository
Char(20)
20
Scorecard
O
Scoring
Credit Report N/A
repository
Char(20)
20
Scorecard
O
Scoring
Credit Report N/A
repository
Char(20)
20
Scorecard
O
Scoring
Credit Report N/A
repository
Char(11)
11
Scorecard
O
Scoring
N/A
Version
char(16)
16
Scorecard
O
Scoring
AUS Vendor N/A
12
13
14
15
16
17
18
19
20
21
22
Unique identification for loan
application assigned by AUS
July 6, 2010
A-10
N/A
loan_number
JULY 6, 2010
Scorecard Table Elements
23
Upfront MIP Factor
24
Annual MIP Factor
25
Higher Mortgage Insurance
Premium Indicator
* Only a zero is retuned at this
time. This is a place holder for
future use
July 6, 2010
SCORECARD DATA ELEMENTS
Definition
Format
Percentage used for calculating the upfront
mortgage insurance premium. To calculate the
upfront mortgage insurance premium, the factor
should be multiplied by the mortgage amount.
Percentage used for calculating the annual
mortgage insurance premium. To calculate the
annual mortgage insurance premium, the factor
should be multiplied by the mortgage amount.
Indicates if the upfront mortgage insurance
premium was raised above level indicated by the
borrower’s credit score and LTV combination.
0 – MIP was not raised
1 – MIP was raised due to weakness in the
combination of cash reserves, mortgage
payment ratio, and/or rate of loan
amortization.
2 – MIP was raised due to weakness in credit
history; thin credit files.
3 – MIP was raised due to a combination of
1) cash reserves, mortgage payment
ratio, and/or rate of loan amortization
and 2) weakness in credit history; thin
credit files.
4 – MIP was raised due to a combination of
weaknesses but no dominant cause
A-11
Size
Data Type
Input or Output? Required for Source
*
Scoring/
CHUMS
O
Scoring
N/A
99.999
6
Scorecard
99.999
6
Scorecard
O
Scoring
0-4
1
Scorecard
O
Scoring
Scoreable Criteria
DTD Element Name
N/A
upfrontMIPFactor
N/A
N/A
annualMIPFactor
N/A
N/A
MIPBumpIndicator
JULY 6, 2010
SCORECARD ERROR CODES
APPENDIX B – Scorecard Error Codes
July 6, 2010
JULY 6, 2010
SCORECARD ERROR CODES
Appendix B - Scorecard Error Codes
ERROR
CODES
001
ERROR MESSAGES
004
One SSN must be entered
005
SSN1 is not valid
006
SSN2 is not valid
007
SSN3 is not valid
008
SSN4 is not valid
009
SSN5 is not valid
010
SSN2 is required
011
SSN3 is required
012
SSN4 is required
235
A zero FICO Score is only permitted for one applicant
240
One FICO Score is required when only one applicant
290
Invalid FHA Case Number
300
Applicant(s) combined monthly income must be greater than 0
305
Appraised Value must be between $9,000 and $9,999,999. Otherwise, it must be 0.
310
Loan amount including MIP must be greater than 0
315
320
Monthly payment, including Principal, Interest, Taxes and Insurance, must be greater
than $0 and less than $15,000
Mortgage Insurance Premium cannot be less than 0
325
Mortgage term in months must be between 48 and 360
330
Sale price must be between $9,000 and $9,999,999.
335
Either Appraised Value or Sale Price is required
340
Total number of applicants must be between 1 and 5
345
Total number of applicants does not match number of SSNs entered
350
Unique identification for AUS must be entered
355
Unique identification for loan application assigned by AUS must be entered
360
Loan-To-Value Ratio must be between 11 and 125
365
Front End Ratio must be greater than 0 and less than 101
370
Back End Ratio must be greater than 0 and less than 101
372
Back End Ratio must be greater than Front End Ratio
375
Underwriting P&I must be greater than $0 and less than $15,000
380
Underwriting Interest must be greater than 0
385
Either Lender ID or Sponsored Originator EIN is required
386
Both Lender ID and Sponsored Originator EIN not allowed. Please submit either
Lender ID or Sponsored Originator EIN.
July 6, 2010
Data in AUS system to calculate score is not complete
B-1
JULY 6, 2010
ERROR
CODES
387
388
390
391
SCORECARD ERROR CODES
ERROR MESSAGES
Sponsored Originator EIN is invalid. Sponsored Originator EIN must be nine numeric
digits.
Sponsored Originator EIN is invalid. Sponsored Originator EIN must be in the
CHUMS Sponsored Originator list.
Lender ID must contain 10 digits
392
Invalid Lender ID Please ensure lender ID is entered correctly. If it is entered
correctly, please contact Lender Approval Division at (202)708-3976.
Lender ID is not active
393
Sponsor ID is required
394
Sponsor ID must contain 10 digits
395
Invalid Sponsor ID
396
Sponsor ID is not active
397
Both Lender ID and Sponsor ID cannot be mortgagee type 4
398
Lender ID is not certified through FHA Connection Certification Screen
399
Sponsor ID is not certified through FHA Connection Certification Screen
400
Credit Report is required
405
Each Credit Report must include a Credit Report Type and a Credit Report Data
415
First Time Homebuyer must be “Y” or “N”
420
Counsel Type is not valid
999
AUS system unable to score loan with data provided
July 6, 2010
B-2
JULY 6, 2010
SCORECARD DTDS
APPENDIX C –Scordcard DTDs
July 6, 2010
JULY 6, 2010
REVISIONS
Input DTD
July 6, 2010
C-1
JULY 6, 2010
REVISIONS
]>
Output DTD
]>
July 6, 2010
C-2
JULY 6, 2010
REVISIONS
APPENDIX D –Revisions
July 6, 2010
JULY 6, 2010
REVISIONS
Revisions
December 1, 2003
Added two new error codes
398:
399:
Lender ID is not certified
Sponsor ID is not certified
October 22, 2003
Changes to be in compliance with HMDA requirements:
Added the following fields:
Name
Borrower Ethnicity for SSN1
Borrower Ethnicity for SSN2
Borrower Ethnicity for SSN3
Borrower Ethnicity for SSN4
Borrower Ethnicity for SSN5
Borrower Birth Date for SSN1
Borrower Birth Date for SSN2
Borrower Birth Date for SSN3
Borrower Birth Date for SSN4
Borrower Birth Date for SSN5
Secondary Financing Amount
Secondary Financing Source
EEM Escrow Amount
Seller Concessions
Appendix A - position
46
47
48
49
50
51
52
53
54
55
87
88
89
90
Modified the following fields:
Gift Letter Source
70
Borr X Race
36 through 40
Modification to DTD Only
Modified Race to allow multiple occurrences
Changes to pull FICO scores from the credit report:
Removed the following fields:
Name
Beacon Score for SSN1
Beacon Score for SSN2
Beacon Score for SSN3
Beacon Score for SSN4
Beacon Score for SSN5
FICO Score for SSN1
FICO Score for SSN2
FICO Score for SSN3
FICO Score for SSN4
FICO Score for SSN5
Empirica Score for SSN1
Empirica Score for SSN2
July 6, 2010
Appendix A - old position
5
6
7
8
9
10
11
12
13
14
15
16
D-1
JULY 6, 2010
Empirica Score for SSN3
Empirica Score for SSN4
Empirica Score for SSN5
REVISIONS
17
18
19
October 6, 2004
Modified the Appraised Value and Sales Price edits:
Name
Appraised Value
Sales Price
Appendix A - position
2
9
Modified the definition of Assets After Closing:
Name
Assets After Closing
Appendix A – position
3
December 1, 2004
Implemented a new version of TOTAL Scorecard (1.2)
Name
Version
Appendix A - position
95 (input)
Version
21 (output)
December 03, 2007 – Implementation Date July 14, 2008.
Implemented a new version of TOTAL Scorecard (2.0)
Version 2.0 will collect three new required fields: Down Payment, Base Mortgage Amount, and
Base LTV. Please see the Input Fields table in Appendix A (page A-9) for field definitions and
the input DTD in Appendix C. Three new error codes were added to correspond to these new
fields. Please see Appendix B (page B-2) for error codes.
In Version 2.0, two previously optional fields will be required. The two required fields are First
Time Home Buyer and Counsel Type. Two new error codes were added to correspond to these
newly required fields. Please see Appendix B (page B-2) for error codes.
Version 2.0 will allow for a new value in the Counsel Type field. This new value will be “D”
which means the borrower was counseled by a HUD approved counseling agency.
Version 2.0 will collect three new optional fields: Manufactured Housing, Number of Living
Units, and ARM Type. Please see the Input Fields table in Appendix A (page A-9) for field
definitions and the input DTD in Appendix C.
Version 2.0 returns three new fields: Upfront MIP Factor, Annual MIP Factor, and Higher
Mortgage Insurance Premium Indicator. Please see the Output Fields table in Appendix A (page
A-10) for field definitions and the output DTD in Appendix C (page C-2). Please note: Only a
zero will be returned for the Higher Mortgage Insurance Premium Indicator at this time.
This is a place holder for future use.
July 6, 2010
D-2
JULY 6, 2010
REVISIONS
Version 2.0 returns a new review rule (07). Please see the Output Fields table in Appendix A
(page A-9) for Review Rule definitions.
Removed 4 Scorecard Error Codes from Appendix B
200:
210:
220:
230:
FICO Score numbers for SSN2 must be 0 when SSN2 not entered
FICO Score numbers for SSN3 must be 0 when SSN3 not entered
FICO Score numbers for SSN4 must be 0 when SSN4 not entered
FICO Score numbers for SSN5 must be 0 when SSN5 not entered
Modified the Appraised Value and Sales Price field size and Scoreable Criteria.
Modified the Loan Amount, Unpaid Principle Balance and Mortgage Basis field size.
Name
Appraised Value
Loan Amount
Sales Price
Unpaid Principle Balance
Mortgage Basis
Appendix A – position
2
5
9
79
80
Modified the Error Messages for Appraised Value (305) and Sales Price (330) from Appendix B.
Modified the definition for Loan Purpose
Version 2.0 added two new values for Gift Letter Source (14 and 15) and removed one value
(02).
Version 2.0 added a new value for Secondary Financing Source (04).
May 13, 2008 – Implementation Date July 14, 2008
Added new input field refinance_type. Please see the Input Fields table in Appendix A (item
102) for field definition and the input DTD in Appendix C.
Modified the Monthly payment, including Principal, Interest, Taxes, and Insurance,
Underwriting P&I, and Contract P&I field size and Scorable Criteria.
Name
Monthly payment
Underwriting P&I
Contract P&I
Appendix A – position
2
21
22
Modified the Error Messages for Monthly payment, including Principal, Interest, Taxes, and
Insurance (315) and Underwriting P&I (375) from Appendix B.
September 2, 2008 – Implementation Date October 1, 2008
July 6, 2010
D-3
JULY 6, 2010
REVISIONS
Implemented a new version of TOTAL Scorecard (2.1)
Version 2.1 added a new value for Refinance Type. In the Definition for the Input fields table in
Appendix A (item 102), this new value will be “H” which means the borrower is applying for a
HOPE loan.
In Version 2.1, three previously required fields will be optional. The three optional fields are
Down Payment, Base Mortgage Amount and Base LTV.
Removed 3 Scorecard Error Codes from Appendix B
425:
430:
435:
DOWN PAYMENT AMOUNT IS NOT VALID
BASE MORTGAGE AMOUNT IS NOT VALID
BASE LTV IS NOT VALID
Modified the Down Payment, Base Mortgage Amount, and Base LTV Scoreable Criteria.
Name
Down payment
Base Mortgage Amount
Base LTV
Appendix A – position
96
97
98
August 3, 2009 – Implementation Date September 1, 2009
Modified allowable values for the “refinance_type” field. Added the following allowable
values:
“H” - HOPE For Homeowners
“S” - Streamline Refinance
Removed “14 - Nonprofit/Religious/Community - Seller Funded” as an allowable value for the
“gift_source” field.
May 12, 2010 – Modified to reference Version 2.2 which was implemented on April 3, 2010
to support MIP Factor changes described in Mortgagee Letter 2010-02.
No interface changes were made as part of this modification.
July 6, 2010
D-4
JULY 6, 2010
REVISIONS
July 6, 2010 – Implementation Date September 18, 2010.
Added new input field Sponsored Originator EIN. Please see the Input Fields table in Appendix
A (item 103) for field definition and the input DTD in Appendix C.
Modified the definition for Lender ID. Please see Input Fields table in Appendix A (item 93) for
new field definition.
Added 4 Scorecard Error Codes in Appendix B
385
Either Lender ID or Sponsored Originator EIN is required
386
Both Lender ID and Sponsored Originator EIN not allowed. Please submit either Lender
ID or Sponsored Originator EIN.
387
Sponsored Originator EIN is invalid. Sponsored Originator EIN must be nine numeric
digits.
388
Sponsored Originator EIN is invalid. Sponsored Originator EIN must be in the CHUMS
Sponsored Originator list.
July 6, 2010
D-5
| File Type | application/pdf |
| File Title | Microsoft Word - aus-developers-guide_20100706_.docx |
| Author | hobrien |
| File Modified | 2010-07-07 |
| File Created | 2010-07-07 |