Mortgage Credit Reject

Information by State  Print version

• Form HUD 92900-PUR: Mortgage Credit Analysis Worksheet, Purchase Money Mortgages

• Form HUD 92900-WS: Mortgage Credit Analysis Worksheet

For more information please contact sfadmin@hud.gov. Please specify that this is a "B2B" question.

History of Changes

HMDA Changes January 5 Implementation
Added APPLICATION attribute, ApplicationMethod
Altered structure to read and report GOVERNMENTMONITORING data. Please check XML layout. Added GOVERNMENTMONITORING attribute, EthnicityType Added GOVERNMENTMONITORING attribute, BorrowerFurnished Dropped GOVERNMENTMONITORING attribute, RaceNationalOriginType Added element, RaceNationalOriginType Added RaceNationalOriginType attribute RaceNationalOriginTypeID

XML Layout

Key:

Example Input File (Query for List of Borrowers)
<?xml version='1.0' standalone='yes' ?>
<MORTGAGEDATA MISMOVersionID='1.0.1'>
 <PROCESSSTATUS>
  <ProcessStatusRequestor>browser</ProcessStatusRequestor>
  <ProcessStatusCode>mode</ProcessStatusCode>
 </PROCESSSTATUS>
 <APPLICATION>
  <AgencyCaseIdentifier>case_no</AgencyCaseIdentifier>
 </APPLICATION>
</MORTGAGEDATA>

List Output generated by Input described above
<?xml version="1.0" standalone="yes" ?>
<MORTGAGEDATA MISMOVersionID="1.0.1">
 <PROCESSSTATUS>
  <ProcessStatusCode>status_flag</ProcessStatusCode>
  <ProcessStatusMessage sCode = 'n'>status_msg</ProcessStatusMessage>
 </PROCESSSTATUS>
 <BORROWER BORROWERID = 'n'>
  <UnparsedName>borrn_name</UnparsedName>
  <FirstName>borrn_name</FirstName>
  <MiddleName>borrn_name</MiddleName>
  <LastName>borrn_name</LastName>
  <DECLARATIONS BorrowerFirstTimeHomebuyerIndicator = 'fthb' />
  <Key KeyID = '1'>
   <KeyName>BorrowerDBKey</KeyName>
   <KeyValue>db_key</KeyValue>
  </Key>
  <MortgageCreditJudgement MCJCreditCharacteristics="credit_char" MCJCreditDenialDate="credit_denial_dt" /> 
 </BORROWER>
 <PROPERTY PROPERTYID = '1' PropertyType = 'Subject'>
  <Address1>street_address</Address1>
  <City>addr_city_name</City>
  <State>addr_ste_cd</State>
  <CountyCode>addr_cnty_cd</CountyCode>
  <PostalCode>addr_zip_cd</PostalCode>
  <PARSEDSTREETNAME PARSEDSTREETNAMEID = '1'>
   <ApartmentOrUnit>addr_hse_no_sufx</ApartmentOrUnit>
   <DirectionPrefix>addr_pre_dir</DirectionPrefix>
   <HouseNumber>addr_hse_no</HouseNumber>
   <StreetName>addr_st_name</StreetName>
   <StreetSuffix>addr_st_tp</StreetSuffix>
   <DirectionSuffix>addr_post_dir</DirectionSuffix>
  </PARSEDSTREETNAME>
 </PROPERTY>
 <APPLICATION>
  <AgencyCaseIdentifier>case_no</AgencyCaseIdentifier> 
  <UNDERWRITINGCASE>
  <FHAVA>
   <FHAVAOriginatorIdentifier>originator_id</FHAVAOriginatorIdentifier>
   <FHAVASponsorIdentifier>sponsor_id</FHAVASponsorIdentifier>
  </FHAVA>
  </UNDERWRITINGCASE>
 </APPLICATION>
</MORTGAGEDATA>

Example Input File to return full case data for a particular borrower
<?xml version='1.0' standalone='yes' ?>
<MORTGAGEDATA MISMOVersionID='1.0.1'>
 <PROCESSSTATUS>
  <ProcessStatusRequestor>browser</ProcessStatusRequestor>
  <ProcessStatusCode>mode</ProcessStatusCode>
 </PROCESSSTATUS>
 <BORROWER BORROWERID = '1'>
  <Key KeyID = '1'>
   <KeyName>BorrowerDBKey</KeyName>
   <KeyValue>db_key</KeyValue>
  </Key>
 </BORROWER>
 <APPLICATION>
  <AgencyCaseIdentifier>case_no</AgencyCaseIdentifier>
 </APPLICATION>
</MORTGAGEDATA>

Full Data File (Add, Delete, Update and detailed query results)
<?xml version='1.0' standalone='yes' ?>
<MORTGAGEDATA MISMOVersionID='1.0.1'>
 <PROCESSSTATUS>
  <ProcessStatusCode>mode</ProcessStatusCode>
  <AddOrRemoveRecord>mode</AddOrRemoveRecord>
  <ProcessStatusCode>status_flag</ProcessStatusCode>
  <ProcessStatusRequestor>browser</ProcessStatusRequestor>
  <ProcessStatusMessage sCode = 'n'>status_msg</ProcessStatusMessage>
 </PROCESSSTATUS>
 <BORROWER BORROWERID = 'n' BorrowerType = 'borr_type'>
  <UnparsedName>borrn_name</UnparsedName>
  <FirstName>borrn_name</FirstName>
  <MiddleName>borrn_name</MiddleName>
  <LastName>borrn_name</LastName>
  <SSN>borrn_ssn</SSN>
  <UnitedStatesTaxPayerIdentificationNumber>borrn_ssn</UnitedStatesTaxPayerIdentificationNumber>
  <GOVERNMENTMONITORING GOVERNMENTMONITORINGID = '1'
	EthnicityType  = 'borrn_ethnicity'
	GenderType = 'borrn_sex'
	BorrowerFurnished = 'borrn_not_disclosed'>
   <RaceNationalOriginType RaceNationalOriginTypeID = 'n'>borrn_race</RaceNationalOriginType>
  </GOVERNMENTMONITORING>
  <DECLARATIONS BorrowerFirstTimeHomebuyerIndicator = 'fthb'></DECLARATIONS>
  <Key KeyID = '1'>
   <KeyName>BorrowerDBKey</KeyName>
   <KeyValue>db_key</KeyValue>
  </Key>
  <MortgageCreditJudgement
	MCJCreditCharacteristics = 'credit_char'
	MCJStabilityOfIncome = 'stability_income'
	MCJAdequacyOfIncome = 'adequacy_of_income'
	MCJAdequacyOfAvailableAssets = 'adqcy_avail_assets'
	MCJCreditDenialDate = 'credit_denial_dt'>
  </MortgageCreditJudgement>
 </BORROWER>
 <PROPERTY PROPERTYID = '1' PropertyType = 'Subject'>
  <Address1>street_address</Address1>
  <City>addr_city_name</City>
  <State>addr_ste_cd</State>
  <CountyCode>addr_cnty_cd</CountyCode>
  <PostalCode>addr_zip_cd</PostalCode>
  <PARSEDSTREETNAME PARSEDSTREETNAMEID = '1'>
   <ApartmentOrUnit>addr_hse_no_sufx</ApartmentOrUnit>
   <DirectionPrefix>addr_pre_dir</DirectionPrefix>
   <HouseNumber>addr_hse_no</HouseNumber>
   <StreetName>addr_st_name</StreetName>
   <StreetSuffix>addr_st_tp</StreetSuffix>
   <DirectionSuffix>addr_post_dir</DirectionSuffix>
  </PARSEDSTREETNAME>
 </PROPERTY>
 <APPLICATION
 LoanPurposeType = 'loan_purpose'
 ApplicationMethod = 'appl_method'>
  <PurchasePriceAmount>sales_price</PurchasePriceAmount>
  <AgencyCaseIdentifier>case_no</AgencyCaseIdentifier>
  <UNDERWRITINGCASE>
   <LoanToValueRatio>loan_value_ratio</LoanToValueRatio>
   <INCOME>
   <IncomeAmount>monthly_income</IncomeAmount>
   </INCOME>
   <FHAVA FHAVAADPCode='adp_code' FHAVASSNTINExemptionIndicator = 'ssn_exempt'>
    <FHAVAMortgagePaymentToIncomeRatio>mtg_paym_inc_ratio</FHAVAMortgagePaymentToIncomeRatio>
    <FHAVATotalFixedPaymentToIncomeRatio>fix_paym_inc_ratio</FHAVATotalFixedPaymentToIncomeRatio>
    <FHAVATotalMortgagePayment>mortgage</FHAVATotalMortgagePayment>
    <FHAVABorrowerType>borr_type</FHAVABorrowerType>
    <FHAVAOriginatorIdentifier>originator_id</FHAVAOriginatorIdentifier>
    <FHAVAUnderwriterComputerizedHomesUnderwritingSystemIdentifier>under_id</FHAVAUnderwriterComputerizedHomesUnderwritingSystemIdentifier>
   </FHAVA>
  </UNDERWRITINGCASE>
 </APPLICATION>
 <PARTY PARTYID="originator_id" PartyType="Lender">
  <PartyName>originator_name</PartyName>
 </PARTY>
 <PARTY PARTYID="sponsor_id" PartyType="Lender">
  <PartyName>sponsor_name</PartyName>
 </PARTY>
 <PARTY PARTYID="under_id" PartyType="Underwriter">
  <PartyName>under_name</PartyName>
 </PARTY>
</MORTGAGEDATA>

Description of Fields

Mortgage Credit Reject

Name	Type	Description
browser	String	Identifies requesting party. Assigned by the FHA
mode	String	Specifies action to be taken. Please review the return codes used here.
status_flag	String	Specifies the results of a request. Please review the specifics of the modes of operation for f17eccxml.
status_msg	Alphanumeric	Up to 80 characters. Provides detailed status information for success, warnings and errors. Messages are indexed by sCode. (1,2,3,etc.) The first message is always the overall status of the request.
n	Integer	Indexes borrower records (1,2,3, etc.)
borrn_name	Alphanumeric	Borrower's name. If entered as UnparsedName the format is Last, First Mi. If entered as parsed name elements (FirstName, MiddleName, LastName) the 22 allowable Characters will be assembled into that format.
borrn_ssn	Numeric	9 Characters. SSN
n	Integer	Associated with borrower id field to link contained data with a particular borrower.
borrn_ethnicity	String	One of Hispanic, NonHispanic (Omit attribute or send a space character when not applicable for borrower type.)
borrn_race	String	Up to five race types may be present for each borrower. One each of: White Black AmericanIndianOrAlaskanNative Asian NativeHawaiianPacificIslander
borrn_sex	String	Male/Female
borrn_not_disclosed	String	Yes, No. Indicates if borrower provided race, sex and ethnicity
fthb	String	Yes or No. Specifies if user is a first time home buyer.
credit_char	String	Accept/Reject
stability_income	String	Accept/Reject
adequacy_of_income	String	Accept/Reject
adqcy_avail_assets	String	Accept/Reject
credit_denial_dt	Date	yyyymmdd
KeyID	Integer	Index to identify unique key
BorrowerDBKey	String	The KeyName identifies the type of key.
db_key	Alphanumeric	20 character key to retrieve a specific borrower record.
n	Integer	Identifies unique property record
PropertyType	String	Subject
street_address	Alphanumeric	44 characters. Street address of property
addr_city_name	Alphanumeric	17 characters. City name
addr_cnty_cd	Numeric	3 characters. FIPS county code
addr_ste_cd	String	2 characters. State code (Standard postal abbreviation)
addr_zip_cd	Numeric	9 digits Zip code
n	Integer	Identifies unique parsed street address. (Should match PROPERTYID)
addr_hse_no	Alphanumeric	7 characters. House number
addr_st_name	Alphanumeric	20 characters. Name of street
addr_st_tp	String	Street type, e.g., St, Ave, Cir, etc.
addr_pre_dir	String	Pre Direction (N, W, S, etc.) 2 characters
addr_post_dir	String	Post Direction (N, W, S, etc.) 2 characters
addr_hse_no_sufx	Alphanumeric	6 characters. Apartment information
loan_purpose	String	ExistingOccupied RefinanceImprovements Refinance NewCondominium ExistingCondominium ExistingNeverOccupied ConstructNewHome FinanceCoop
appl_method	String	FaceToFaceInterview, Mail, Telephone, Internet. Method by which information was collected.
sales_price	Integer	Dollar amount of purchase
case_no	Numeric	10 Characters FHA case number
monthly_income	Integer	5 Characters (In dollars)
adp_code	Numeric	3 numeric characters representing the specific code for the case type and SOA. Automated data processing code related to the section of the National Housing Act under which mortgage insurance is being requested. Sources: Form HUD-92900-A, line 4 and form HUD-92900-PUR or form HUD-92900-WS, Section of the Housing Act.
ssn_exempt	String	Yes or No. Indicates borrower is exempt from disclosure of ssn or tin
mtg_paym_inc_ratio	Numeric	4 Characters. Ratio of mortgage payment to income
fix_paym_inc_ratio	Numeric	Up to 6 characters. Total fixed payment-to-income ratio. Sum of the total housing expense and other recurring charges (fixed payment) divided by gross monthly income.
mortgage	Numeric	Up to 6 characters. Principal and Interest only.
borr_type	String	Occupant Landlord EscrowCommitment Corporation/Partnership(Refi) GovernmentAgency/Non-Profit
sponsor_id	Numeric	10 characters. Sponsor ID
originator_id	Numeric	10 characters. Originator ID
under_id	Alphanumeric	4 Characters. Underwriter's ID
loan_value_ratio	Numeric	6 Characters. Loan to value
partD	Alphanumeric	ID of specified party (can be matched to appropriate case role data in FHAVA block, such as FHAVAOriginatorIdentifier, to get detailed information on the particular party.)
partT	String	Specifies type of party, Lender, Appraiser, Consultant, Underwriter
originator_name	Alphanumeric	22 characters. Name of referenced party
sponsor_name	Alphanumeric	22 characters. Name of referenced party
under_name	Alphanumeric	22 characters. Name of referenced party

ProcessStatusCode Values for Input

End of ProcessStatusCode Values

ProcessStatusCode Value	Purpose and required data
Query	Retrieves list of borrower records. AgencyCaseIdentifier is required
Query	Retrieves detailed record for a borrower. AgencyCaseIdentifier, value for BorrowerDBKey is required
Update	Add first borrower record No BorrowerDBKey, new borrower info and all other data fields completed, AddOrRemoveRecord set to Add
Update	Update a record. All fields required
Update	Add a new borrower. No BorrowerDBKey, new borrower info and all other data fields completed
Delete	Delete borrower record. All fields required, AddOrRemoveRecord set to Delete

ProcessStatusCode Values for Output

End of ProcessStatusCode Values

SuccessUpdatesAllowed	This indicates that the Mortgage Credit Reject request was processed. This result occurs when an Update process is requested and is successful.
SuccessNoUpdatesAllowed	This indicates that the Mortgage Credit Reject request was processed, however no updates to the record were allowed. This result occurs when a Query process is requested and is successful.
Unavailable	System is down
Error	Please see the ProcessStatusMessage for details.
Warning	The update has been processed, but problems exist. See ProcessStatusMessage for details.