Data Dictionary
Learn the essential meanings, interpretations and sources of key data to better understand and utilize reports.
Loan Number
The alpha-numeric identifier assigned to the loan.
Field 364
sLNm
Legal Entity Identifier
The HMDA Legal Entity Identifier.
Field HMDA.X70
sLegalEntityIdentifier
HMDA Census Tract
Subject Property Census Tract.
Field 700
sHmda2018CensusTract
Total Loan Amount
The total amount of the loan, including any funds for PMI/MIP financing.
Field 2
sFinalLAmt
Trid Completed Date (Application Submitted)
The date when all TRID data was captured for a loan.
Field 3142 (GFE Application Date)
sRespa6D (RESPA 6 Date)
LOS Loan Created At
The date when a loan was created inside the LOS.
Field 2025
sCreatedD
Borrower Intent to Proceed Date
The date when the borrower(s) provide the intent to proceed with the loan.
Field 3197
sIntentToProceedD
Initial Disclosure Date
The date when the initial disclosure (LE) was issued to the borrowers.
We use the date_utc value from the first disclosure with the type = "initial" in the disclosure tracking logs.
sInitialLoanEstimateIssuedD
Final Disclosure Date
We use the date_utc value from the first disclosure with the type = "final" in the disclosure tracking logs.
sFinalClosingDisclosureIssuedD
Rate Locked At
The date of the current lock on a loan.
Field 761 (Loan Submission Rate Date)
sRLckdD (Date) sRLckdDTime (Time)
Conditional Approved At
Date of initial underwriting conditional approval.
Field 1038 (Commitment Terms Action Date)
sApprovD (Date) sApprovDTime (Time)
Closed At
The final closing date for an originated loan.
Field 748
(This field is often populated for abandoned loans. Because of this, we only use this date when field 1393 (hmda Action Taken) = "Loan Originated")
sClosedDc(Date) sClosedDTime (Time)
Funded At
The date when loan funds were disbursed to the borrower.
Field 2553
sFundD (Date) Funded Date (Time)
Borrower Requested Total Loan Amount
Field 1109
sLAmtCalc
Purchase Amount
The purchase price of the subject property.
Field 136
sPurchPrice
Property Usage Type
Subject property usage type.
Field 190
sOccTPe
Property Type
The property type of the subject property.
Field 1041
sGseSpT
Occupancy Type
If the property is occupied.
Field 3335
sIsOwnerOccupied
Loan Purpose
Purpose of the loan. Ex Purchase, Refinance...
Field 19
sLPurposeT
Loan Type
The type of loan. Ex Conventional, FHA...
Field 1172
sLT
Amortization Type
Field 608
sFinMethT
Channel
Field 2626
sBranchChannelT
Amortization Term
The length of time (in months) over which the payments for the loan are spread.
Field 4
sTerm
Has Private Mortgage Insurance
Field 3336
sHasPrivateMortgageInsurance
Current Milestone name
The current status of the loan.
Field MS.STATUS
sStatusT
Current Milestone Started At
The date the current milestone was started.
Field MS.STATUSDATE
We don't use a specific field from MeridianLink but rather a timestamp when we receive an updated milestone.
Loan Officer Name
The name of the loan officer assigned to the loan.
Field 317
sEmployeeLoanRepName
Loan Officer Email
The email of the loan officer assigned to the loan.
Field 1407
sEmployeeLoanRepEmail
Loan Officer Login
the login ID of the loan officer assigned to the loan.
Field LOID
Processor Name
The name of the loan processor assigned to the loan.
Field 362
sEmployeeProcessorname
Processor Email
The email of the loan processor assigned to the loan.
Field 1409
sEmployeeProcessorEmail
Processor Login
The login ID of the loan processor assigned to the loan.
Field LPID
Underwriter Name
The name of the underwriter assigned to the loan.
Field 2574
sEmployeeUnderwriterName
Underwriter Email
The email of the underwriter assigned to the loan.
Field 2576
sEmployeeUnderwriterEmail
Underwriter Login
The login ID of the loan underwriter assigned to the loan.
Field UWID
Closer Name
The name of the loan closer assigned to the loan.
Field 1855
sEmployeeCloserName
Closer Email
The email of the loan closer assigned to the loan.
Field 1857
sEmployeeCloserEmail
Closer Login
The login ID of the loan closer assigned to the loan.
Field CLID
Is Closed
T/F identifying if the loan has closed.
HMDA Action Taken
The current status of the loan.
Field 1393
sHmdaActionTakenT
HMDA Action Taken Date
The date the loan status was changed.
Field 749
sHmdaActionD
Combined LTV
Combined loan to value percent.
Field 353
sLtvR
Down Payment
Down payment dollar amount.
Field 1335
sEquityCalc
Down Payment Percent
Percentage of total purchase price that the down payment makes up.
Field 1771
sDownPmtPc
Credit Score
The credit score of the borrower.
Field 2853
sCreditScoreType2
Bottom Ratio Percent
The borrower's primary housing expenses and other liabilities divided by total income.
Field 742
sQualBottomR
Current Lock Expires Date
Date the rate lock expires
Field 2147
sRLckdExpiredD
Current Rate
The base rate of the current lock.
Field 2036
sNoteIR
First Credit Pull Date
The date the first credit score was pulled.
We use the minimum date of the following fields: DISCLOSURE.X51, DISCLOSURE.X11, DISCLOSURE.X31
sCrOd
Disclosure Signed At
The date the disclosure was signed.
Field 3153
sInitialLoanEstimateSignedD
Final Approval At
The date the underwriter recommended approval of the loan.
Field 2301
sClearToCloseD (Date) sClearToCloseDTime (Time)
Appraisal Completed At
The date the original appraisal was completed.
Field 2353
sApprRprtRd
Shipped At
The date the initial set of documents was shipped to the investor.
Field 2014
sShippedToInvestorD (Date) SShippedToInvestorDTime (Time)
Sold At
The purchase advice date provided by the investor who is purchasing the loan.
Field 2370
sLPurchaseD (Date) sLPurchaseDTime (Time)
Purchased At
The date the loan is being purchased.
Field 3567
sPurchaseD (Date) sPurchaseDTime (Time)
Calculated Closing Date
We calculate this field by checking if Scheduled Closing Date is null or has already occurred. If this is true we use Estimated Closing Date otherwise we use Scheduled Closing Date.
Scheduled Closing Date
Field 748
sDocMagicClosingD
Estimated Closing Date
Field 763
sEstCloseD
Appraisal Value
The appraised value of the subject property.
Field 356
sApprVal
Lien Status
Lien position.
Field 420
sLienPosT
First Payment Date
The date of the first loan payment.
Field 682
sSchedDueD1
Units Num
Number of seperate living spaces in the subject property.
Field 16
sUnitsNum
Doc Type
Fannie Mae Loan Doc Type Code.
Field MORNET.X67
sProdDocT
Life Cap Rate
The maximum percentage (above the inital note rate) the rate can adjust during the life of the loan.
Field 247
sRAdjLifeCapR
Initial Cap Rate
The maximum percentage the loan rate can adjust at the first adjustment period.
Field 697
sRAdj1stCapR
Sub Cap Rate
The maximum percentage the loan rate can change at each adjustment, after the first adjustment.
Field 695
sRAdjCapR
Margin Rate
The set percentage added to the index rate to calculate the final loan rate.
Field 689
sRAdjMarginR
Index Rate
The basis for the rate of the loan. The index is adjusted during the life of the loan as fluctuations occur in the market rate on which the index is based.
Field 688
sRAdjIndexR
Property Inspection Waiver
Field ULDD.X95 if not NULL else Field ULDD.X38
sSpGseCollateralProgramT
HMDA MSA NUM
The 5-digit (Metropolitan Statistical Area) MSA code for the area in which the subject property is located.
Field 699
sHmdaMsaNum
HMDA County Code
The HMDA County Code consisting of the state code field and the County Code
Field HMDA.X111
sSpCountyFips
Property Appraisal Method
Field ULDD.X29
sSpValuationMethodT
Property Appraisal Date
Effective date of the property valuation.
Field ULDD.X30
sSpsValuationEffectiveD
Total Loan Costs
Field CD2.XSTD
sTRIDClosingDisclosureTotalLoanCosts
Total Other Costs
Field CD2.XSTI
sTRIDClosingDisclosureTotalOtherCosts
Total Lender Credits
Field CD2.XSTLC
sTRIDClosingDisclosureGeneralLenderCredits
Total Closing Costs
Field CD2.XSTJ
sTRIDClosingDisclosureTotalClosingCosts
Is Jumbo
Field 3331
sJumboT
QM Status
HMDA.X26
sIsUsingNonQMProgram
Builder Name
The contact person at the builder.
Field 714
where AgentRoleTDesc in ('BUILDER' , 'Builder')
Lender Case Number
The lender's tracking number for the loan.
Field 305
sLenderCaseNum
Registered At
The registration date of the loan.
TPO.X3
sSubmitD (Date) sSubmitDTime (Time)
Appraisal Ordered At
The date the original appraisal was ordered.
Field 2352
sApprRprtOd
Title Ordered At
sPrelimRprtOd
AUS Last Submission At
AUS tracking first submission date and time.
AUS.X4 (Date) , AUS.X174 (Time)
Property Street Address
The street address of the subject property.
Field 11
sHmdaSpAddr
Property City
The city of the subject property.
Field 12
sHmdaSpCity
Property State
The state of the subject property.
Field 14
sHmdaSpState
Property Postal Code
The postal code of the subject property.
Field 15
sSpZip
Property County
The county of the subject property.
Field 13
sSpCounty
Borrower First Name
The borrower's first name.
Field 4000
Consumers.FirstName
Borrower Last Name
The borrower's last name.
Field 4002
Consumers.LastName
Borrower Schooling Term Years
The number of years of school completed by the borrower.
Field 39
SchoolYears
Borrower Dependent Count
Number of dependents borrower has
Field 53
Borrower Base Monthly Income Amount
Field 1088
Borrower Total Liabilities Amount
URLA.X62
Borrower Total Present Housing Expense Amount
The total present monthly housing expense.
Field 737
Borrower Total Assets
The total borrower assets.
Borrower Total Present Housing Expense Amount
The total present monthly housing expense.
Field 737
Borrower Total Assets
The total borrower assets.
Field URLA.X55
Borrower Marital Status Type
Marital status of the borrower.
Field 52
Borrower HMDA Gender Type
Borrower sex Male/Female
Field 471
Consumers:Gender
Borrower HMDA Ethnicity Type
Borrower ethnicity.
Field 1523
Borrower HMDA Age
Borrower age.
Field 4183
Consumers:Age
Borrower HMDA Race Reported Fields
Borrower race reported fields.
Field 4237
Borrower Homeowner Past Three Years Indicator
Field 403
Borrower Language Preference
Borrower language preference.
Field URLA.X21
Borrower First Time Home Buyer
Indicates if this is the first time the borrower is purchasing a home.
Field USDA.X3
Borrower Self Declared Military Service Indicator
Borrower military service indicator.
Field URLA.X13
Closing Cost Paid by Lender
Sum of all closing costs paid by the lender
Sum of (closingCost:gfe2010:gfe2010Fees:lenderAmountPaid2015)
Closing Cost Paid by Borrower
Sum of all the closing costs paid by the borrower.
Sum of (closingCost:gfe2010:gfe2010Fees:borrowerAmountPaid2015)
Closing Cost Paid by Seller
Sum of all the closing costs paid by the seller.
Sum of (closingCost:gfe2010:gfe2010Fees:sellerAmountPaid2015)
Closing Cost Paid by Broker
Sum of all the closing costs paid by the broker.
Sum of (closingCost:gfe2010:gfe2010Fees:brokerAmountPaid2015)
Closing Cost Paid by Other
Sum of all the closing costs paid by other.
Sum of (closingCost:gfe2010:gfe2010Fees:otherAmountPaid2015)
Closing Cost Paid to Lender
Sum of all the closing costs paid to the lender.
Sum of all "Closing Cost paid by ..." Fields where closingCost:gfe2010:gfe2010Fees:ptbType = 'Lender'
Closing Cost Paid to Seller
Sum of all the closing costs paid to the seller.
Sum of all "Closing Cost paid by ..." Fields where closingCost:gfe2010:gfe2010Fees:ptbType = 'Seller'
Closing Cost Paid to Borrower
Sum of all the closing costs paid to the borrower.
Sum of all "Closing Cost paid by ..." Fields where closingCost:gfe2010:gfe2010Fees:ptbType = 'Borrower'
Closing Cost Paid to Broker
Sum of all the closing costs paid to the broker.
Sum of all "Closing Cost paid by ..." Fields where closingCost:gfe2010:gfe2010Fees:ptbType = 'Broker'
Closing Cost Paid to Other
Sum of all the closing costs paid to other.
Sum of all "Closing Cost paid by ..." Fields where closingCost:gfe2010:gfe2010Fees:ptbType = 'Other'
TPO Organization Name
TPO company name.
Field TPO.X14
sOriginatingCompanyName
TPO Organization AE Name
TPO company AE name.
Field TPO.X30
TPO Processor ID
The ID of the TPO processor.
Field TPO.X75
TPO Processor Name
The name of the TPO loan processor.
Field TPO.X74
sAgentDataSet.AgentName where contact_rel_typ = 'Processor (External)'
TPO Processor Email
The email of the TPO loan processor.
Field TPO.X76
sAgentDataSet.AgentName.EmailAddr where contact_rel_typ = 'Processor (External)'
TPO Loan Officer ID
The ID of the TPO loan officer.
Field TPO.X62
TPO Loan Officer Name
Name of the 3rd party loan officer.
Field TPO.X61
sAgentDataSet.AgentName where contact_rel_typ = 'Loan Officer'
TPO Loan Officer Email
The email of the 3rd party loan officer.
Field TPO.X63
sAgentDataSet.AgentName.EmailAddr where contact_rel_typ = 'Loan Officer'
Broker Lender NMLS ID
The national mortgage lender system ID of your company.
Field 3237
Broker Lender Name
The name of the broker lender.
Field 315
Investor Name
The investor providing the rate lock for the loan.
Field 2278
sCalcInvestorNm
Correspondent Underwriting Type
Field TPO.X88
sCorrespondentProcessT
VA Paid Date
The date the funding fee was paid.
Field VASUMM.X82
VA Loan Graduate Cert Receipt
The date the Loan Guarantee Certificate receipt was received.
Field VASUMM.X84
Lender NMLS ID
The lenders NMLS ID
Field 3637
Refinance Cash Out Amount
The difference between the total costs and total credits.
Field 142
sTransNetCash
Origination At
The application or origination date of the loan.
Field 745
sOpenedD (Date) sOpenedDTime (Time)
Loan Program
The loan program associated with the loan.
Field 1401
sLpTemplateNm
Product Type
Field 4 if Amortization Type is 'Fixed'. Fields 694 and 696 if Amortization Type is 'Adjustable Rate'.
sTerm or sRAdjCapMon and sRAdj1stCapMon
Non Specific Lender Credit
Field 4794
Closing Disclosure Sent At
Field 3977
sInitialClosingDisclosureIssuedD
Closing Disclosure Signed At
Field 3978
sInitialClosingDisclosureSignedD
Closing Docs Created At
The last date that closing documents were ordered.
Field 1886
sFinalClosingDisclosureIssuedD
Title Reference Number
The title company's case number for this loan.
Field 187
Title Completed Date
The date that the title report was issued.
Field L362
sPrelimRprtRd
Flood Insurance Determination At
The date determination was made as to whether or not the property requires flood insurance.
Field 2365
sFloodCertRd
Loan Withdrawn At
The date the loan was withdrawn
sWithdrawnD (Date) sWithdrawnDTime (Time)
Suspended At
The date the underwriter's approval was suspended.
Field 2303
sSuspendedD (Date), sSuspendedDTime (Time)
Actual Sell Price
Sell price actually paid by the investor.
Field 3422
sPurchaseAdviceTotalPrice_Field1
Actual Sell Side SRP
SRP points actually paid by the investor.
Field 3426
sPurchaseAdviceSRP_Field3
Actual Sell Amount
Sell amount actually paid by the investor.
Field 3424
sPurchaseAdviceTotalPrice_Field2
Actual SRP Amount
SRP amount actually paid by the investor.
Field 3428
sPurchaseAdviceSRP_Field2
Buy Side Lock Date
The buy side lock day.
Field 2149
sRLckdD (Date) sRLckdDTime (Time)
Buy Side Lock Expire Date
The date when the buy side rate lock expires.
Field 2151
sRLckdExpiredD
Buy Side Number Of Days
The number of days before the buy side lock expires.
Field 2150
sRLckdDays
Buy Side Price Rate
The base buy price for the lock.
Field 2161
sBrokerLockBaseBrokComp1PcPrice
Buy Side Rate
The base buy side base rate (as a percentage) for the lock.
Field 2152
sBrokerLockbaseNoteIR
Buy Side Rate Net Buy Rate
The base buy rate plus the total rate adjustments.
Field 2160
sNoteIR
Buy Side Rate Total Adjustment
The total value of the buy side rate adjustments.
Field 2159
sBrokerLockTotVisibleAdjNoteIR
Date Locked With Investor
Field 2291
sInvestorLockRLckdD
Gain Loss Percentage
Field 2296
sInvestorLockProjectedProfit
Investor Lock Type
Field 2287
sInvestorLockCommitmentT
Sell Side Discount YSP
Field 2277
sLDiscnt and sFinalLAmt
Sell Side Investor Status
Field 2031
sInvestorLockRateLockStatusT
Sell Side Lock Expires
The date the sell side rate lock expires.
Field 2222
sInvestorLockRLckdExpiredD
Sell Side Net Sell Price
The base sell price plus the total price adjustments.
Field 2274
sInvestorLockBrokComp1PcPrice
Sell Side Net Sell Rate
The base sell side rate plus the total rate adjustments.
Field 2231
sInvestorLockNoteIR
Sell Side Number of Days
The number of days for the sell side lock.
Field 2221
sInvestorLockRLckdDays
Sell Side Price Rate
The base sell side price for the lock.
Field 2232
sInvestorLockBaseBrokComp1PcPrice
Sell Side Rate
The base sell side rate (as a percentage) for the lock.
Field 2223
sInvestorLockBaseNoteIR
Servicing Release Indicator
Indicates whether loan servicing is being released or retained.
Field 3338
sPurchaseAdviceSummaryServicingStatus
Total Buy Price
Field 2218
sBrokerLockFinalbrokComp1PcPrice
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