View 7b: Loan Parties Page/Borrower Data

Borrower Data

This section will repeat for each borrower on the loan.

Borrower is Self Employed

Credit Report Identifier [ID 580] (conditionally required if Credit Score exists)

Enter the credit reference number associated with the Borrower credit report used to underwrite the delivered loan.

Credit Score Value [ID 590]

Enter the Fair Isaac and Co. (FICO) score that is selected as the Underwriting Score for each qualifying Borrower if such FICO score exists.

Credit Repository Source Type (required) [ID 583]

Select the source of the credit file. Options include:

  • Equifax

  • Experian

  • Merged Data

  • TransUnion

Credit Score Provider Name [ID 591.1]

Select the name of the company providing the credit score data. Options include:

  • CBCInnovis

  • Equifax Mortgage Solutions

  • Kroll Factual Data Corp

  • Corelogic CREDCO / Credstar

  • ACRAnet

  • Advantage Credit Bureau

  • Advantage Credit Inc.

  • Advantage Plus Credit Reporting, Inc.

  • Alliance 2020, Inc.

  • American Reporting Company LLC

  • Avantus LLC

  • Bank of America

  • Birchwood Credit Services, Inc.

  • Certified Credit Reporting via MeridianLink

  • Certified Credit Reporting via Sharper Lending

  • CIC Credit

  • Cisco

  • CIS, Inc.

  • Clear Choice Credit Corp.

  • Credit Communications, Inc.

  • Credit Facts Services, LLC

  • Credit Information Systems

  • Credit Link LLC

  • Credit Plus, Inc. MD

  • Credit Service Company

  • Credit Technologies, Inc.

  • CSC Mortgage Services

  • CTI - Credit Technology, Inc

  • Data Facts Inc

  • DataQuick

  • EGS Global Solutions Inc.

  • Factual Data / MACS

  • Financial Data Reports

  • Funding Suite

  • Funding Suite via Sharper Lending

  • Informative Research

  • Information Searching Company

  • KCB Information Services

  • MCR of America

  • Merchants Credit Bureau / MCB

  • MFI Credit Solutions

  • Midwest Mortgage Credit Services, Inc.

  • 1 Source Data

  • Partners Credit And Verification Solutions

  • One Source Credit Reporting

  • Online Information Services, Inc.

  • Platinum Credit Services, Inc

  • Premium Credit Bureau / PCB1

  • SARMA-via Meridian Link

  • SARMA-via Sharper Lending

  • Settlement One via MeridianLink

  • Strategic Information Resources, Inc. via Meridian Link

  • Credit Data Solutions

  • Settlement One via Sharper Lending

  • Southwest Credit Services

  • Strategic Information Resources, Inc. via Sharper Lending

  • Total Credit Services

  • Trak-1 Technology

  • United One Resource, Inc

  • Universal Credit Services via MeridianLink

Counseling Confirmation Type [ID 576/577] (conditionally required if using an Affordable Loan)

Select the applicable value as required for Home Possible Mortgages, HomeOne Mortgages, loans where all Borrowers have non-traditional credit, or as required in negotiated term. Options include:

  • Government Agency

  • HUD Approved Counseling Agency

  • Lender Trained Counseling

  • No Borrower Counseling

  • Other: If Other is selected, options include:

    • Borrower Did Not Participate

    • Mortgage Insurance Company

    • Non Profit Organization

Note:
When required, at least one borrower on the mortgage loan must complete homeownership education prior to loan closing.

Counseling Format Type [ID 578/579] (conditionally required)

Select the educational setting of the formal borrower homeownership program in which the borrower participated as a requirement of a special mortgage program. Options include:

  • Borrower Education Not Required

  • Classroom

  • Home Study

  • Individual

  • Other: If Other is selected, the Borrower Did Not Participate option displays.

Citizenship Residency Type [ID 598] (conditionally required)

Select this option to indicate this borrower's U.S. citizenship or alien status, as collected on the URLA (Section VIII, lines j. and k.). Options include:

  • Non Permanent Resident Alien

  • Permanent Resident Alien

  • U.S. Citizen

The following information describes the data fields for additional Parties involved with the loan and loan delivery:

  • Appraiser

    • Appraiser State License Number [ID 525] (conditionally required)

      Enter the state license number of the appraiser who completed the final estimate of value for the subject property.

  • Appraiser Supervisor Identifiers

    • Supervisory Appraiser State License Number [ID 534] (conditionally required)

      Enter the state license number of the appraiser who completed the final estimate of value for the subject property.

  • Loan Originator Identifiers

    • Loan Originator Identifier [ID 634] (conditionally required)

      Enter the loan originator's unique identifier as assigned by the Nationwide Mortgage License System and Registry.

    • Type of Loan Originator [ID 635] (required)

      Select the type of party that originated the loan. Options include:

      • Broker

      • Correspondent

      • Lender

  • Loan Originator Company Identifiers

    • Loan Originator Company Identifier [ID 627] (conditionally required)

      Enter the loan origination company's unique identifier as assigned by the Nationwide Mortgage Licensing System and Registry.

  • Other Party Identifiers Section - Deal Party Identifiers

    • Loan Seller Identifier [ID 639] (not used; submitted as part of login)

    • Other [ID 641.3]

      Select if the mortgage is secured by a unit in a condominium or Planned Unit Development (PUD), or if a Cooperative Share Loan (if permitted by your negotiated term). The available option is Homeowners Association.

    • Warehouse Lender Identifier [ID 650.1]

      Enter the unique identifier for the Warehouse Lender provided by Freddie Mac.