6 Serious delinquencies (containing account(s) with a history of – payments 90 days past due) (S44) Credit history - public records 0 Information not considered – 0 No public record defaults – 1 Bankruptcy – 1 Bankruptcy and charge offs – 1 One or two charge-off(s), public record(s), or collection action(s), – totaling less than $300 1 Charge-off(s), public record(s), or collection action(s) totaling more – than $300 (S45) Debt-to-income ratio of housing (the banks’ calculation expense/income) (S46) Debt-to-income ratio of total (the banks’ calculation obligations/income) (S47) Fixed or adjustable rate loan (F or A) Codes: 1 Adjustable – 2 Fixed – 3 Not Available – (S48) Term of loan (months) (S49) Special loan application program (S50) Appraised value (in thousands) (S51) Type of property purchased Codes: 1 Condominium – 2 Single family – 3 2 to 4 families – (S52) Private mortgage insurance (PMI) sought? Codes: 0 No or information not available – 1 Yes – (S53) Private mortgage insurance (PMI) denied? Codes: 0 PMI approved, did not apply, or information not available – 1 PMI sought and denied – (S54) Was a gift or grant as part of down payment? Codes: 0 No or information not available – 1 Yes – (S55) Was there a co-signer for the application? Codes: 0 No or information not available – 1 Yes – (S56) Unverifiable information Codes: 0 Not applicable (all verifiable) – 1 Some information unverifiable – (S57) Number of times application was reviewed by underwriter
6 – Serious delinquencies (containing account(s) with a history of payments 90 days past due) (S44) Credit history - public records 0 – Information not considered 0 – No public record defaults 1 – Bankruptcy 1 – Bankruptcy and charge offs 1 – One or two charge-off(s), public record(s), or collection action(s), totaling less than $300 1 – Charge-off(s), public record(s), or collection action(s) totaling more than $300 (S45) Debt-to-income ratio (the banks’ calculation of housing expense/income) (S46) Debt-to-income ratio (the banks’ calculation of total obligations/income) (S47) Fixed or adjustable rate loan (F or A) Codes: 1 – Adjustable 2 – Fixed 3 – Not Available (S48) Term of loan (months) (S49) Special loan application program (S50) Appraised value (in thousands) (S51) Type of property purchased Codes: 1 – Condominium 2 – Single family 3 – 2 to 4 families (S52) Private mortgage insurance (PMI) sought? Codes: 0 – No or information not available 1 – Yes (S53) Private mortgage insurance (PMI) denied? Codes: 0 – PMI approved, did not apply, or information not available 1 – PMI sought and denied (S54) Was a gift or grant as part of down payment? Codes: 0 – No or information not available 1 – Yes (S55) Was there a co-signer for the application? Codes: 0 – No or information not available 1 – Yes (S56) Unverifiable information Codes: 0 – Not applicable (all verifiable) 1 – Some information unverifiable (S57) Number of times application was reviewed by underwriter
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