<!-- XMLMORTGAGE.DTD                                                                   -->
<!-- Version 1.0.1                                                                     -->
<!-- Generated on 11/10/00                                                             -->

<!-- Copyright 2000 Mortgage Industry Standards Maintenance Organization (MISMO).      -->
<!-- All rights reserved.                                                              -->

<!-- Permission to use, copy, modify, and distribute the MISMO                         -->
<!-- DTD and its accompanying documentation for any purpose and without                -->
<!-- fee is hereby granted in perpetuity, provided that the above copyright            -->
<!-- notice and this paragraph appear in all copies. The copyright holders make        -->
<!-- no representation about the suitability of the DTD for any purpose.               -->

<!-- Processes included in this DTD:                                                   -->
<!--   Credit Reporting                                                                -->
<!--   MI                                                                              -->
<!--   Secondary                                                                       -->
<!--   Underwriting                                                                    -->
<!--   Service ordering                                                                -->

<!-- HUD Specific implementation of MISMO DTD / Version 1.0 / 3/30/01                  -->

<!ELEMENT MORTGAGEDATA ((
  APPLICATION
  | ARMPAYMENTADJUSTMENT
  | ARMRATEADJUSTMENT
  | ASSET
  | BORROWER
  | BORROWERRECONCILEDLIABILITY
  | CREDITREPORT
  | CREDITREQUEST
  | CREDITSCORE
  | EXPENSE
  | FLOODREQUEST
  | INCOME
  | LOAN
  | MORTGAGEINSURANCE
  | MORTGAGEINSURANCERESPONSE
  | PARTY
  | PRODUCT
  | PROJECT
  | PROPERTY
  | PROCESSSTATUS
  | REQUESTGROUP
  | RESPONSE
  | SUBJECTPROPERTY
  | TITLEREQUEST
  | VALUATIONREQUEST
  | VALUATIONS
)*)>
<!ATTLIST MORTGAGEDATA MISMOVersionID CDATA #FIXED '1.0.1'>

<!ELEMENT ALIAS (
  AccountIdentifier?,
  AliasName?,
  CreditorName?)>
<!ATTLIST ALIAS
  ALIASID ID #IMPLIED>

<!ELEMENT AccountIdentifier (#PCDATA)>

<!ELEMENT AliasName (#PCDATA)>

<!ELEMENT CreditorName (#PCDATA)>
<!-- FHAVA
added MortgageCreditJudgement -->
<!ELEMENT APPLICATION (
  AgencyCaseIdentifier?,
  AlterationsImprovementsAndRepairsConventionalAmount?,
  ApplicationInterviewerSignedDate?,
  BaseLoanAmount?,
  BorrowerApplicationSignedDate?,
  BorrowerFinancedConventionalDiscountPointsAmount?,
  BorrowerPaidConventionalDiscountPointsTotalAmount?,
  BorrowerRequestedLoanAmount?,
  BorrowerUnfinancedConventionalDiscountPointsAmount?,
  DownPaymentAmount?,
  DownPaymentDescription?,
  DownPaymentSourceDescription?,
  EstimatedConventionalClosingCostsAmount?,
  LenderCaseIdentifier?,
  LendersBranchIdentifier?,
  LoanToValueRatio?,
  MaturityDate?,
  MortgageCreditJudgement?,
  MortgageInsuranceAndFundingFeeFinancedAmount?,
  MortgageInsuranceAndFundingFeeTotalAmount?,
  OtherLoanPurposeDescription?,
  OtherPartyPaidConventionalClosingCostsAmount?,
  OtherPartyPaidConventionalDiscountPointsAmount?,
  PrepaidItemsEstimatedAmount?,
  PurchasePriceAmount?,
  PurposeOfRefinanceDescription?,
  RefinanceIncludingDebtsPaidOffAmount?,
  SellerPaidConventionalClosingCostsAmount?,
  SubjectPropertyLandAppraisedValueAmount?,
  SubjectPropertyLandEstimatedValueAmount?,
  SubjectPropertyLandOriginalCostAmount?,
  SubordinateLienAffordableSecondAmount?,
  SubordinateLienClosedEndSecondAmount?,
  SubordinateLienHELOCAmount?,
  SubordinateLienSellerTakeBackAmount?,
  TitleholderName?,
  TotalFixedPaymentAmount?,
  UnpaidPrincipalBallanceAmount?,
  YearsEmployedByCurrentEmployer?,
  UNDERWRITINGCASE?,
  PURCHASECREDIT*)>
  <!--
  FHAVA/B2B Added 
  DownPaymentGiftLetterSource CDATA #IMPLIED
  DownPaymentGiftSourceName CDATA #IMPLIED
  DownPaymentGiftSourceTIN CDATA #IMPLIED
  -->
<!ATTLIST APPLICATION
  APPLICATIONID ID #IMPLIED
  ApplicationMethod
    (FaceToFaceInterview |
     Mail |
     Telephone|
		 Internet) #IMPLIED
  BasisForLoanQualificationType
    (IncomeAndAssetsOfAPersonOtherThanTheBorrowerWillBeUsed |
     IncomeAndAssetsOfAPersonOtherThanTheBorrowerWillNotBeUsed) #IMPLIED
  DownPaymentOptionType
    (FivePercentOption |
     ThreeTwoOption) #IMPLIED
  DownPaymentGiftLetterSource CDATA #IMPLIED
  DownPaymentGiftSourceTIN CDATA #IMPLIED
  DownPaymentGiftSourceName CDATA #IMPLIED
  DownPaymentType
    (BridgeLoan |
     CashBorrowedUnsecuredBorrowedFunds |
     CashGiftGiftFunds |
     CashOnHand |
     CheckingSavings |
     DepositOnSalesContract |
     EquityOnPendingSale |
     EquityOnSoldProperty |
     EquityOnSubjectProperty |
     LifeInsuranceCashValue |
     LotEquity |
     OtherTypeOfDownPayment |
     PledgedCollateral |
     RentWithOptionToPurchase |
     RetirementFunds |
     SaleOfChattel |
     SecuredBorrowedFunds |
     StocksAndBonds |
     SweatEquity |
     TradeEquity |
     TrustFunds) #IMPLIED
  JointAssetAndLiabilityReportingType
    (Jointly |
     NotJointly) #IMPLIED
  LoanPurposeType
    (ConstructionOnly |
     ExistingOccupied |
     ConstructionToPermanent |
     NewCondominium |
     ExistingCondominium |
     ExistingNeverOccupied |
     ConstructNewHome |
     FinanceCoop |
     RefinanceImprovements |
     Other |
     ForwardPurchase |
     ForwardRefinance |
     HECMTraditional |
     HECMPurchase |
     HECMRefinance |
     Purchase |
     Refinance) #IMPLIED
  TitleMannerHeldType
    (JointWithOtherThanSpouse |
     JointWithSpouse |
     Sole) #IMPLIED
  EscrowWaiverIndicator (Y | N) #IMPLIED
  PARTYIDREFS IDREFS #IMPLIED>

<!-- FHAVA  -->
<!ELEMENT MortgageCreditJudgement EMPTY>
<!ATTLIST MortgageCreditJudgement
  MCJCreditCharacteristics (Yes|No) #IMPLIED
  MCJAdequacyOfIncome (Yes|No) #IMPLIED
  MCJStabilityOfIncome (Yes|No) #IMPLIED
  MCJAdequacyOfAvailableAssets (Yes|No) #IMPLIED
  MCJCreditDenialDate CDATA #IMPLIED>

<!ELEMENT AgencyCaseIdentifier (#PCDATA)>

<!ELEMENT AlterationsImprovementsAndRepairsConventionalAmount (#PCDATA)>

<!ELEMENT ApplicationInterviewerSignedDate (#PCDATA)>

<!ELEMENT BaseLoanAmount (#PCDATA)>
<!ATTLIST BaseLoanAmount HECMindicator (Yes|No) #IMPLIED>

<!ELEMENT BorrowerApplicationSignedDate (#PCDATA)>

<!ELEMENT BorrowerFinancedConventionalDiscountPointsAmount (#PCDATA)>

<!ELEMENT BorrowerPaidConventionalDiscountPointsTotalAmount (#PCDATA)>

<!ELEMENT BorrowerRequestedLoanAmount (#PCDATA)>

<!ELEMENT BorrowerUnfinancedConventionalDiscountPointsAmount (#PCDATA)>

<!ELEMENT DownPaymentAmount (#PCDATA)>

<!ELEMENT DownPaymentDescription (#PCDATA)>

<!ELEMENT DownPaymentSourceDescription (#PCDATA)>

<!ELEMENT EstimatedConventionalClosingCostsAmount (#PCDATA)>

<!ELEMENT LenderCaseIdentifier (#PCDATA)>

<!ELEMENT LendersBranchIdentifier (#PCDATA)>
<!-- FHAVA/B2B -->
<!ELEMENT LoanToValueRatio (#PCDATA)>
<!-- FHAVA/B2B -->
<!ELEMENT MaturityDate (#PCDATA)>

<!ELEMENT MortgageInsuranceAndFundingFeeFinancedAmount (#PCDATA)>

<!ELEMENT MortgageInsuranceAndFundingFeeTotalAmount (#PCDATA)>

<!ELEMENT OtherLoanPurposeDescription (#PCDATA)>

<!ELEMENT OtherPartyPaidConventionalClosingCostsAmount (#PCDATA)>

<!ELEMENT OtherPartyPaidConventionalDiscountPointsAmount (#PCDATA)>

<!ELEMENT PrepaidItemsEstimatedAmount (#PCDATA)>

<!ELEMENT PurchasePriceAmount (#PCDATA)>

<!ELEMENT PurposeOfRefinanceDescription (#PCDATA)>

<!ELEMENT RefinanceIncludingDebtsPaidOffAmount (#PCDATA)>

<!ELEMENT SellerPaidConventionalClosingCostsAmount (#PCDATA)>

<!ELEMENT SubjectPropertyLandAppraisedValueAmount (#PCDATA)>

<!ELEMENT SubjectPropertyLandEstimatedValueAmount (#PCDATA)>

<!ELEMENT SubjectPropertyLandOriginalCostAmount (#PCDATA)>

<!ELEMENT SubordinateLienAffordableSecondAmount (#PCDATA)>

<!ELEMENT SubordinateLienClosedEndSecondAmount (#PCDATA)>

<!ELEMENT SubordinateLienHELOCAmount (#PCDATA)>

<!ELEMENT SubordinateLienSellerTakeBackAmount (#PCDATA)>
<!-- FHAVA/B2B -->
<!ELEMENT TotalFixedPaymentAmount (#PCDATA)>
<!-- FHAVA/B2B -->
<!ELEMENT UnpaidPrincipalBallanceAmount (#PCDATA)>
<!-- FHAVA/B2B -->
<!ELEMENT YearsEmployedByCurrentEmployer (#PCDATA)>

<!ELEMENT TitleholderName (#PCDATA)>
<!ELEMENT ARMPAYMENTADJUSTMENT (
  PaymentAdjustmentAmount?,
  PaymentAdjustmentPercent?,
  PaymentAdjustmentDurationMonths?,
  FirstPaymentAdjustmentMonths?,
  SubsequentPaymentAdjustmentMonths?,
  PaymentAdjustmentPeriodicCapAmount?,
  PaymentAdjustmentPeriodicCapPercent?,
  PaymentAdjustmentLifetimeCapAmount?,
  PaymentAdjustmentLifetimeCapPercent?)>
<!ATTLIST ARMPAYMENTADJUSTMENT
  ARMPAYMENTADJUSTMENTID ID #IMPLIED
  PaymentAdjustmentCalculationType
    (AddFixedDollarAmountToCurrentPayment |
     AddPercentToCurrentPaymentAmount |
     AddPercentToEffectivePaymentRate) #IMPLIED
  PaymentAdjustmentOptionalType
    (Optional |
     Scheduled) #IMPLIED>

<!ELEMENT PaymentAdjustmentAmount (#PCDATA)>

<!ELEMENT PaymentAdjustmentPercent (#PCDATA)>

<!ELEMENT PaymentAdjustmentDurationMonths (#PCDATA)>

<!ELEMENT FirstPaymentAdjustmentMonths (#PCDATA)>

<!ELEMENT SubsequentPaymentAdjustmentMonths (#PCDATA)>

<!ELEMENT PaymentAdjustmentPeriodicCapAmount (#PCDATA)>

<!ELEMENT PaymentAdjustmentPeriodicCapPercent (#PCDATA)>

<!ELEMENT PaymentAdjustmentLifetimeCapAmount (#PCDATA)>

<!ELEMENT PaymentAdjustmentLifetimeCapPercent (#PCDATA)>
<!ELEMENT ARMRATEADJUSTMENT (
  RateAdjustmentPercent?,
  RateAdjustmentDurationMonths?,
  FirstRateAdjustmentMonths?,
  SubsequentRateAdjustmentMonths?,
  RateAdjustmentInitialCapPercent?,
  RateAdjustmentSubsequentCapPercent?,
  RateAdjustmentLifetimeCapPercent?)>
<!ATTLIST ARMRATEADJUSTMENT
  ARMRATEADJUSTMENTID ID #IMPLIED
  RateAdjustmentCalculationType
    (AddPercentToCurrentRate |
     AddPercentToOriginalRate |
     IndexPlusMargin) #IMPLIED>

<!ELEMENT RateAdjustmentPercent (#PCDATA)>

<!ELEMENT RateAdjustmentDurationMonths (#PCDATA)>

<!ELEMENT FirstRateAdjustmentMonths (#PCDATA)>

<!ELEMENT SubsequentRateAdjustmentMonths (#PCDATA)>

<!ELEMENT RateAdjustmentInitialCapPercent (#PCDATA)>

<!ELEMENT RateAdjustmentSubsequentCapPercent (#PCDATA)>

<!ELEMENT RateAdjustmentLifetimeCapPercent (#PCDATA)>
<!ELEMENT ASSET (
  AssetAccountIdentifier?,
  AssetCashOrMarketValueAmount?,
  AssetDescription?,
  AssetFaceValueAmount?,
  AssetNetCashValueAmount?,
  AssetVestedValueAmount?,
  AutomobileMakeDescription?,
  AutomobileModelYear?,
  BusinessOwnedNetWorthAmount?,
  StockBondMutualFundName?,
  StockBondMutualFundShareCount?,
  VERIFICATION?)>
<!ATTLIST ASSET
  ASSETID ID #IMPLIED
  AssetType
    (Automobile |
     Bond |
     BridgeLoanNotDeposited |
     CashOnHand |
     CertificateOfDepositTimeDeposit |
     CheckingAccount |
     EarnestMoneyCashDepositTowardPurchase |
     GiftsNotDeposited |
     GrantsNotDeposited |
     LifeInsurance |
     MoneyMarketFund |
     MutualFund |
     NetWorthOfBusinessOwned |
     OtherLiquidAssets |
     OtherNonLiquidAssets |
     PendingNetSaleProceedsFromRealEstateAssets |
     RealEstateOwned |
     RetirementFundsTotal |
     SavingsAccount |
     SecuredBorrowedFundsNotDeposited |
     Stock |
     TrustAccount) #IMPLIED
  PROPERTYIDREF CDATA #IMPLIED
  PARTYIDREFS CDATA #IMPLIED>

<!ELEMENT AssetAccountIdentifier (#PCDATA)>

<!ELEMENT AssetCashOrMarketValueAmount (#PCDATA)>

<!ELEMENT AssetDescription (#PCDATA)>

<!ELEMENT AssetFaceValueAmount (#PCDATA)>

<!ELEMENT AssetNetCashValueAmount (#PCDATA)>

<!ELEMENT AssetVestedValueAmount (#PCDATA)>

<!ELEMENT AutomobileMakeDescription (#PCDATA)>

<!ELEMENT AutomobileModelYear (#PCDATA)>

<!ELEMENT BusinessOwnedNetWorthAmount (#PCDATA)>

<!ELEMENT StockBondMutualFundName (#PCDATA)>

<!ELEMENT StockBondMutualFundShareCount (#PCDATA)>
<!-- FHAVA 
Added MortgageCreditJudgement element to borrower
-->
<!ELEMENT BORROWER (
  Age?,
  BorrowerBirthDate?,
  UnparsedName?,
  FirstName?,
  MiddleName?,
  LastName?,
  NameSuffix?,
  SSN?,
  UnitedStatesTaxPayerIdentificationNumber?,
  CanadianSocialInsuranceNumber?,
  DunAndBradstreetIdentifier?,
  SpouseIdentifier?,
  ALIAS*,
  BORROWERASSET*,
  BORROWERLIABILITY*,
  BORROWERRESIDENCE*,
  CAIVRSAuthorizationCode?,
  CAIVRSAgencyNegativeReports?,
  Key?,
  CONTACTDETAIL?,
  DECLARATIONS?,
  DEMOGRAPHICS?,
  EMPLOYMENT*,
  MortgageCreditJudgement?,
  GOVERNMENTMONITORING?)>
<!ATTLIST BORROWER
  BORROWERID CDATA #IMPLIED
  BorrowerType CDATA #IMPLIED
  BorrowerEntityType
    (NonPerson |
     Person) #IMPLIED
  APPLICATIONIDREF IDREF #IMPLIED
  CREDITSCOREIDREFS IDREFS #IMPLIED
  INCOMEIDREFS IDREFS #IMPLIED>
<!-- FHAVA/B2B -->

<!ELEMENT Age  (#PCDATA)>
  
<!ELEMENT UnparsedName (#PCDATA)>

<!ELEMENT FirstName (#PCDATA)>

<!ELEMENT MiddleName (#PCDATA)>

<!ELEMENT LastName (#PCDATA)>

<!ELEMENT NameSuffix (#PCDATA)>

<!ELEMENT SSN (#PCDATA)>

<!ELEMENT UnitedStatesTaxPayerIdentificationNumber (#PCDATA)>

<!ELEMENT CanadianSocialInsuranceNumber (#PCDATA)>

<!ELEMENT DunAndBradstreetIdentifier (#PCDATA)>

<!ELEMENT SpouseIdentifier (#PCDATA)>
<!ELEMENT BORROWERASSET EMPTY>
<!ATTLIST BORROWERASSET
  BORROWERASSETID ID #IMPLIED
  ASSETIDREF IDREF #IMPLIED>
<!ELEMENT BORROWERLIABILITY EMPTY>
<!ATTLIST BORROWERLIABILITY
  BORROWERLIABILITYID ID #IMPLIED
  BORROWERRECONCILEDLIABILITYIDREF IDREF #IMPLIED
  MERGEDLIABILITYIDREFS IDREFS #IMPLIED>
<!ELEMENT BORROWERRECONCILEDLIABILITY (
  AlimonyOwedToName?,
  ChildSupportOwedToName?,
  HELOCMaximumBalanceAmount?,
  HELOCMaximumPaymentAmount?,
  HELOCTwelveMonthDrawAmount?,
  LiabilityAccountIdentifier?,
  LiabilityMonthlyPaymentAmount?,
  LiabilityRemainingTermMonths?,
  LiabilityUnpaidBalanceAmount?,
  SeparateMaintenanceOwedToName?,
  SubjectPropertyLiabilityAgeMonths?,
  VERIFICATION?)>
<!ATTLIST BORROWERRECONCILEDLIABILITY
  BORROWERRECONCILEDLIABILITYID ID #IMPLIED
  LiabilityExclusionReasonType
    (AlreadyPaid |
     Duplicate |
     OtherPartiesObligation) #IMPLIED
  LiabilityPayoffStatusType
    (NotPaidContinue |
     PaidByBorrowerAtClosing |
     PaidByBorrowerBeforeClosing |
     PaidByOtherAtOrBeforeClosing) #IMPLIED
  LiabilityType
    (Alimony |
     ChildCare |
     ChildSupport |
     CollectionsJudgmentsAndLiens |
     DelinquentTaxes |
     FederalTax |
     Garnishments |
     HELOCREOProperty |
     HELOCSubjectProperty |
     Installment |
     JobRelatedExpenses |
     LeasePayments |
     LocalTax |
     MortgageLoanREO |
     MortgageLoanSubjectProperty |
     OpenThirtyDayChargeAccount |
     OtherLiability |
     Revolving |
     SeparateMaintenanceExpense |
     SocialSecurityTax |
     StateTax |
     UnionDues |
     UnsecuredHomeImprovementLoanInstallment |
     UnsecuredHomeImprovementLoanRevolving) #IMPLIED
  ContingentLiabilityIndicator (Y | N) #IMPLIED
  ResubordinationIndicator (Y | N) #IMPLIED
  PARTYIDREF IDREF #IMPLIED>

<!ELEMENT AlimonyOwedToName (#PCDATA)>

<!ELEMENT ChildSupportOwedToName (#PCDATA)>

<!ELEMENT HELOCMaximumBalanceAmount (#PCDATA)>

<!ELEMENT HELOCMaximumPaymentAmount (#PCDATA)>

<!ELEMENT HELOCTwelveMonthDrawAmount (#PCDATA)>

<!ELEMENT LiabilityAccountIdentifier (#PCDATA)>

<!ELEMENT LiabilityMonthlyPaymentAmount (#PCDATA)>

<!ELEMENT LiabilityRemainingTermMonths (#PCDATA)>

<!ELEMENT LiabilityUnpaidBalanceAmount (#PCDATA)>

<!ELEMENT SeparateMaintenanceOwedToName (#PCDATA)>

<!ELEMENT SubjectPropertyLiabilityAgeMonths (#PCDATA)>
<!ELEMENT BORROWERRESIDENCE (
  Address1?,
  Address2?,
  City?,
  State?,
  PostalCode?,
  Country?,
  ResidencyDurationYears?,
  PARSEDSTREETNAME?)>
  
<!ATTLIST BORROWERRESIDENCE
  BORROWERRESIDENCEID ID #IMPLIED
  ResidencyBasisType
    (LivingRentFree |
     Own |
     Rent |
     Unknown) #IMPLIED
  EXPENSEIDREFS IDREFS #IMPLIED
  ResidencyType
    (Current |
     Prior) #IMPLIED>

<!ELEMENT Address1 (#PCDATA)>

<!ELEMENT Address2 (#PCDATA)>

<!ELEMENT City (#PCDATA)>

<!ELEMENT State (#PCDATA)>

<!ELEMENT Country (#PCDATA)>

<!ELEMENT PostalCode (#PCDATA)>

<!ELEMENT ResidencyDurationYears (#PCDATA)>

<!ELEMENT CAIVRSAuthorizationCode (#PCDATA)>

<!-- FHAVA/B2B -->
<!ELEMENT CAIVRSAgencyNegativeReports (
  AgencyName?,
  CaseNumber?,
  CaseType?,
  PhoneReferral?)>
<!ATTLIST CAIVRSAgencyNegativeReports
  CAIVRSAgencyNegativeReportsID ID #IMPLIED>

<!ELEMENT AgencyName (#PCDATA)>

<!ELEMENT CaseNumber (#PCDATA)>

<!ELEMENT CaseType (#PCDATA)>

<!ELEMENT PhoneReferral (#PCDATA)>
  

<!ELEMENT BUYDOWN (
  BuydownDurationMonths?,
  BuydownInitialAdjustmentPercent?,
  BuydownPeriodToFirstAdjustmentMonths?,
  BuydownPeriodToSubsequentAdjustmentMonths?,
  BuydownRatePercent?,
  BuydownSubsequentAdjustmentPercent?,
  BuydownTermMonths?)>
<!ATTLIST BUYDOWN
  BUYDOWNID ID #IMPLIED
  BuydownContributorType
    (Borrower |
     Builder |
     Employer |
     Lender |
     NonParentRelative |
     Parent |
     Seller |
     Unassigned |
     UnrelatedFriend) #IMPLIED
  BuydownPermanentIndicator (Y | N) #IMPLIED
  BuydownTemporarySubsidyIndicator (Y | N) #IMPLIED>

<!ELEMENT BuydownDurationMonths (#PCDATA)>

<!ELEMENT BuydownInitialAdjustmentPercent (#PCDATA)>

<!ELEMENT BuydownPeriodToFirstAdjustmentMonths (#PCDATA)>

<!ELEMENT BuydownPeriodToSubsequentAdjustmentMonths (#PCDATA)>

<!ELEMENT BuydownRatePercent (#PCDATA)>

<!ELEMENT BuydownSubsequentAdjustmentPercent (#PCDATA)>

<!ELEMENT BuydownTermMonths (#PCDATA)>
<!ELEMENT CONTACTDETAIL (
  ContactName?,
  CONTACTPOINT*)>
<!ATTLIST CONTACTDETAIL
  CONTACTDETAILID ID #IMPLIED>

<!ELEMENT ContactName (#PCDATA)>
<!ELEMENT CONTACTPOINT (
  ContactPointValue?)>
<!ATTLIST CONTACTPOINT
  CONTACTPOINTID ID #IMPLIED
  ContactPointRoleType
    (Home |
     Mobile |
     Work) #IMPLIED
  ContactPointType
    (Email |
     Fax |
     Other |
     Phone) #IMPLIED
  PreferenceIndicator (Y | N) #IMPLIED>

<!ELEMENT ContactPointValue (#PCDATA)>
<!ELEMENT CREDITBUREAU EMPTY>
<!ATTLIST CREDITBUREAU
  CREDITBUREAUID ID #IMPLIED
  PARTYIDREF IDREF #IMPLIED>
<!ELEMENT CREDITCOMMENT (
  Comment?)>
<!ATTLIST CREDITCOMMENT
  CREDITCOMMENTID ID #IMPLIED
  CommentSource
    (Borrower |
     CreditBureau |
     Other |
     RepositoryBureau) #IMPLIED>

<!ELEMENT Comment (#PCDATA)>
<!ELEMENT CREDITERRORMESSAGE (
  Message?)>
<!ATTLIST CREDITERRORMESSAGE
  CREDITERRORMESSAGEID ID #IMPLIED
  ErrorMessageSource
    (CreditBureau |
     RepositoryBureau) #IMPLIED>

<!ELEMENT Message (#PCDATA)>
<!ELEMENT CREDITFILEADDRESS (
  UnparsedAddressData?)>
<!ATTLIST CREDITFILEADDRESS
  CREDITFILEADDRESSID ID #IMPLIED>

<!ELEMENT UnparsedAddressData (#PCDATA)>
<!ELEMENT CREDITFILEALERTMESSAGE (
  Message?)>
<!ATTLIST CREDITFILEALERTMESSAGE
  CREDITFILEALERTMESSAGEID ID #IMPLIED
  AlertMessageType
    (EquifaxSAFESCAN |
     EquifaxSSNVerified |
     ExperianFACSPlus |
     TransUnionHAWKAlert |
     TransUnionTransAlert) #IMPLIED>

<!ELEMENT CREDITFILEEMPLOYMENT (
  UnparsedEmploymentData?)>
<!ATTLIST CREDITFILEEMPLOYMENT
  CREDITFILEEMPLOYMENTID ID #IMPLIED>

<!ELEMENT UnparsedEmploymentData (#PCDATA)>
<!ELEMENT CREDITFILEVARIATION (
  UnparsedName?,
  FirstName?,
  MiddleName?,
  LastName?,
  NameSuffix?,
  SSN?,
  BorrowerBirthDate?,
  BorrowerAgeYears?,
  InfileDate?,
  CREDITFILEADDRESS*,
  CREDITFILEEMPLOYMENT*,
  CREDITCOMMENT*,
  CREDITERRORMESSAGE*,
  CREDITFILEALERTMESSAGE*,
  OWNINGBUREAU?,
  VARIATIONTYPE*)>
<!ATTLIST CREDITFILEVARIATION
  CREDITFILEVARIATIONID ID #IMPLIED
  DataRepositorySourceType
    (Equifax |
     Experian |
     MergedData |
     Other |
     PrenticeHall |
     TransUnion) #IMPLIED
  BORROWERIDREF IDREF #IMPLIED
  CREDITSCOREIDREFS IDREFS #IMPLIED>

<!ELEMENT BorrowerBirthDate (#PCDATA)>

<!ELEMENT BorrowerAgeYears (#PCDATA)>

<!ELEMENT InfileDate (#PCDATA)>
<!ELEMENT CREDITINQUIRY (
  InquiringPartyName?,
  InquiryDate?,
  OtherLiabilityTypeDescription?,
  VERIFICATION?)>
<!ATTLIST CREDITINQUIRY
  CREDITINQUIRYID ID #IMPLIED
  BusinessType
    (Advertising |
     Automotive |
     Banking |
     Clothing |
     CollectionServices |
     Contractors |
     DepartmentAndMailOrder |
     Employment |
     FarmAndGardenSupplies |
     Finance |
     Government |
     Grocery |
     HomeFurnishing |
     Insurance |
     JewelryAndCamera |
     LumberAndHardware |
     MedicalAndHealth |
     MiscellaneousAndPublicRecord |
     OilAndNationalCreditCards |
     PersonalServicesNotMedical |
     RealEstateAndPublicAccommodation |
     SportingGoods |
     UtilitiesAndFuel |
     Wholesale) #IMPLIED
  CreditLoanType
    (Agriculture |
     Airplane |
     ApplianceOrFurniture |
     AttorneyFees |
     AutoLease |
     AutoLoanEquityTransfer |
     Automobile |
     AutoRefinance |
     Boat |
     Business |
     BusinessCreditCard |
     ChargeAccount |
     CheckCreditOrLineOfCredit |
     ChildSupport |
     Collection |
     CollectionAttorney |
     Comaker |
     CombinedCreditPlan |
     CommercialCreditObligation |
     CommercialLineOfCredit |
     CommercialMortgage |
     ConditionalSalesContract |
     Consolidation |
     ConventionalRealEstateMortgage |
     CreditCard |
     CreditLineSecured |
     DebitCard |
     DebtCounselingService |
     DepositRelated |
     Educational |
     Employment |
     FactoringCompanyAccount |
     FamilySupport |
     FarmersHomeAdministrationFHMA |
     FederalConsolidatedLoan |
     FHAComakerNotBorrower |
     FHAHomeImprovement |
     FHARealEstateMortgage |
     FinanceStatement |
     GovernmentBenefit |
     GovernmentEmployeeAdvance |
     GovernmentFeeForService |
     GovernmentFine |
     GovernmentGrant |
     GovernmentMiscellaneousDebt |
     GovernmentOverpayment |
     GovernmentSecuredDirectLoan |
     GovernmentSecuredGuaranteeLoan |
     GovernmentUnsecuredDirectLoan |
     GovernmentUnsecuredGuaranteeLoan |
     HomeEquityLineOfCredit |
     HomeImprovement |
     HouseholdGoods |
     HouseholdGoodsAndOtherCollateralAuto |
     HouseholdGoodsSecured |
     InstallmentLoan |
     InstallmentSalesContract |
     InsuranceClaims |
     Lease |
     LenderPlacedInsurance |
     ManualMortgage |
     MedicalDebt |
     MobileHome |
     Mortgage |
     NoteLoan |
     NoteLoanWithComaker |
     Other |
     PartiallySecured |
     PersonalLoan |
     RealEstateJuniorLiens |
     RealEstateLoanEquityTransfer |
     RealEstateMortgageWithoutOtherCollateral |
     RealEstateSpecificTypeUnknown |
     Recreational |
     RecreationalVehicle |
     Refinance |
     RefundAnticipationLoan |
     RentalAgreement |
     ResidentialLoan |
     ReturnedCheck |
     RevolvingBusinessLines |
     Secured |
     SecuredByCosigner |
     SecuredCreditCard |
     SecuredHomeImprovement |
     SinglePaymentLoan |
     SpouseSupport |
     SummaryOfAccountsWithSameStatus |
     TimeSharedLoan |
     Title1Loan |
     UnknownLoanType |
     Unsecured |
     VeteransAdministrationLoan |
     VeteransAdministrationRealEstateMortgage) #IMPLIED
  DataRepositorySourceType
    (Equifax |
     Experian |
     MergedData |
     Other |
     PrenticeHall |
     TransUnion) #IMPLIED
  InquiryResultType
    (AccountClosed |
     ApplicationPending |
     Declined |
     DidNotInquire |
     NoOpenAccount |
     NotALender |
     OpenAccountNumberNotIssued |
     OpenDiscovered |
     OpenPrimaryAccount |
     ReportingAgencyInquiry |
     Unknown) #IMPLIED
  PARTYIDREF IDREF #IMPLIED
  BORROWERIDREFS IDREFS #IMPLIED
  CREDITFILEVARIATIONIDREFS IDREFS #IMPLIED>

<!ELEMENT InquiringPartyName (#PCDATA)>

<!ELEMENT InquiryDate (#PCDATA)>

<!ELEMENT OtherLiabilityTypeDescription (#PCDATA)>

<!ELEMENT CREDITLATEDATES (
  LateDate?)>
<!ATTLIST CREDITLATEDATES
  CREDITLATEDATESID ID #IMPLIED
  DelinquencyRatingType
    (AsAgreed |
     Collection |
     Foreclosure |
     Late30Days |
     Late60Days |
     Late90Days |
     LateOver120Days |
     NoDataAvailable |
     Repossession |
     TooNew |
     WageEarnerPlan) #IMPLIED>

<!ELEMENT LateDate (#PCDATA)>
<!ELEMENT CREDITREPORT (
  CreditReportIdentifier?,
  FirstIssuedDate?,
  LastUpdatedDate?,
  OtherCreditReportTypeDescription?,
  CREDITBUREAU?,
  CREDITREPORTPRICE*,
  MERGEDLIABILITY*,
  MERGEDPUBLICRECORD*,
  CREDITINQUIRY*,
  CREDITFILEVARIATION*,
  CREDITSUMMARY*,
  CREDITERRORMESSAGE*,
  CREDITCOMMENT*)>
<!ATTLIST CREDITREPORT
  CREDITREPORTID ID #IMPLIED
  CreditReportType
    (Merge |
     MergePlus |
     NonTraditional |
     Other |
     RiskScoresOnly |
     RMCR |
     RMCRForeign) #IMPLIED
  MergeType
    (Blend |
     ListAndStack |
     PickAndChoose) #IMPLIED
  EquifaxIncludedIndicator (Y | N) #IMPLIED
  ExperianIncludedIndicator (Y | N) #IMPLIED
  OtherCreditRepositoryIncludedIndicator (Y | N) #IMPLIED
  PrenticeHallIncludedIndicator (Y | N) #IMPLIED
  TransUnionIncludedIndicator (Y | N) #IMPLIED
  PROPERTYIDREF IDREF #IMPLIED
  REQUESTGROUPIDREF IDREF #IMPLIED
  ASSETIDREFS IDREFS #IMPLIED
  BORROWERIDREFS IDREFS #IMPLIED
  CREDITSCOREIDREFS IDREFS #IMPLIED>

<!ELEMENT CreditReportIdentifier (#PCDATA)>

<!ELEMENT FirstIssuedDate (#PCDATA)>

<!ELEMENT LastUpdatedDate (#PCDATA)>

<!ELEMENT OtherCreditReportTypeDescription (#PCDATA)>
<!ELEMENT CREDITREPORTPRICE (
  CreditReportPriceAmount?,
  OtherPriceTypeDescription?)>
<!ATTLIST CREDITREPORTPRICE
  CREDITREPORTPRICEID ID #IMPLIED
  CreditReportPriceType
    (Net |
     Other |
     Tax |
     Total) #IMPLIED>

<!ELEMENT CreditReportPriceAmount (#PCDATA)>

<!ELEMENT OtherPriceTypeDescription (#PCDATA)>
<!ELEMENT CREDITREQUEST (
  CreditReportIdentifier?,
  RepositoryBureausSelectedCount?,
  OtherCreditReportTypeDescription?,
  OtherScoreModelName?,
  RESPONSEPARTY*)>
<!ATTLIST CREDITREQUEST
  CREDITREQUESTID ID #IMPLIED
  CreditReportRequestedActionType
    (Reissue |
     Submit |
     Update |
     Upgrade) #IMPLIED
  CreditReportType
    (Merge |
     MergePlus |
     NonTraditional |
     Other |
     RiskScoresOnly |
     RMCR |
     RMCRForeign) #IMPLIED
  CreditRequestType
    (Individual |
     Joint) #IMPLIED
  ScoreModelNameType
    (EquifaxBeacon |
     EquifaxBeaconAuto |
     EquifaxBeaconBankcard |
     EquifaxBeaconInstallment |
     EquifaxBeaconPersonalFinance |
     EquifaxDAS |
     EquifaxEnhancedBeacon |
     EquifaxEnhancedDAS |
     EquifaxMortgageScore |
     ExperianFairIsaac |
     ExperianFairIsaacAuto |
     ExperianFairIsaacBankcard |
     ExperianFairIsaacInstallment |
     ExperianFairIsaacPersonalFinance |
     ExperianMDSBankruptcyII |
     ExperianNewNationalEquivalency |
     ExperianNewNationalRisk |
     ExperianOldNationalRisk |
     TransUnionDelphi |
     TransUnionEmpirica |
     TransUnionEmpiricaAuto |
     TransUnionEmpiricaBankcard |
     TransUnionEmpiricaInstallment |
     TransUnionEmpiricaPersonalFinance |
     TransUnionNewDelphi) #IMPLIED
  EquifaxIncludedIndicator (Y | N) #IMPLIED
  ExperianIncludedIndicator (Y | N) #IMPLIED
  OtherCreditRepositoryIncludedIndicator (Y | N) #IMPLIED
  PrenticeHallIncludedIndicator (Y | N) #IMPLIED
  TransUnionIncludedIndicator (Y | N) #IMPLIED
  BORROWERIDREFS IDREFS #IMPLIED>


<!ELEMENT RepositoryBureausSelectedCount (#PCDATA)>


<!ELEMENT OtherScoreModelName (#PCDATA)>
<!ELEMENT CREDITSCORE (
  CreditReportReferenceIdentifier?,
  CreditScoreValue?,
  CreditScoreDate?,
  OtherScoreModelName?,
  CREDITSCOREFACTOR*)>
<!ATTLIST CREDITSCORE
  CREDITSCOREID ID #IMPLIED
  DataRepositorySourceType
    (Equifax |
     Experian |
     MergedData |
     Other |
     PrenticeHall |
     TransUnion) #IMPLIED
  ScoreExclusionReasonType
    (InvalidScoreRequest |
     NotScoredCreditDataNotAvailable |
     NotScoredFileIsUnderReview |
     NotScoredFileTooLong |
     NotScoredInsufficientCredit |
     NotScoredNoQualifyingAccount |
     NotScoredNoRecentAccountInformation |
     NotScoredSubjectDeceased |
     ScoringNotAvailable |
     UnauthorizedScoreRequest) #IMPLIED
  ScoreModelNameType
    (EquifaxBeacon |
     EquifaxBeaconAuto |
     EquifaxBeaconBankcard |
     EquifaxBeaconInstallment |
     EquifaxBeaconPersonalFinance |
     EquifaxDAS |
     EquifaxEnhancedBeacon |
     EquifaxEnhancedDAS |
     EquifaxMortgageScore |
     ExperianFairIsaac |
     ExperianFairIsaacAuto |
     ExperianFairIsaacBankcard |
     ExperianFairIsaacInstallment |
     ExperianFairIsaacPersonalFinance |
     ExperianMDSBankruptcyII |
     ExperianNewNationalEquivalency |
     ExperianNewNationalRisk |
     ExperianOldNationalRisk |
     TransUnionDelphi |
     TransUnionEmpirica |
     TransUnionEmpiricaAuto |
     TransUnionEmpiricaBankcard |
     TransUnionEmpiricaInstallment |
     TransUnionEmpiricaPersonalFinance |
     TransUnionNewDelphi) #IMPLIED
  BORROWERIDREFS IDREFS #IMPLIED
  CREDITFILEVARIATIONIDREFS IDREFS #IMPLIED>

<!ELEMENT CreditReportReferenceIdentifier (#PCDATA)>

<!ELEMENT CreditScoreValue (#PCDATA)>

<!ELEMENT CreditScoreDate (#PCDATA)>

<!ELEMENT CREDITSCOREFACTOR (
  ScoreFactorIdentifier?,
  ScoreFactorDescription?)>
<!ATTLIST CREDITSCOREFACTOR
  CREDITSCOREFACTORID ID #IMPLIED>

<!ELEMENT ScoreFactorIdentifier (#PCDATA)>

<!ELEMENT ScoreFactorDescription (#PCDATA)>
<!ELEMENT CREDITSUMMARY (
  Summary?)>
<!ATTLIST CREDITSUMMARY
  CREDITSUMMARYID ID #IMPLIED>

<!ELEMENT Summary (#PCDATA)>
<!ELEMENT DECLARATIONS (
  OtherDeclarationDescription?)>
<!ATTLIST DECLARATIONS
  DECLARATIONSID ID #IMPLIED
  CitizenshipResidencyType
    (NonPermanentAlien |
     NonResidentAlien |
     PermanentResidentAlien |
     UnitedStatesCitizen) #IMPLIED
  PriorPropertyTitleType
    (JointWithOtherThanSpouse |
     JointWithSpouse |
     SoleIndividual) #IMPLIED
  PriorPropertyUsageType
    (Investment |
     PrimaryResidence |
     SecondaryResidence) #IMPLIED
  AlimonyChildSupportObligationsIndicator (Y | N) #IMPLIED
  BankruptcyPastSevenYearsIndicator (Y | N) #IMPLIED
  BorrowedDownPaymentIndicator (Y | N) #IMPLIED
  BorrowerFirstTimeHomebuyerIndicator (Y | N) #IMPLIED
  ComakerEndorserOfNoteIndicator (Y | N) #IMPLIED
  HomeownerPastThreeYearsIndicator (Y | N) #IMPLIED
  IntentToOccupyIndicator (Y | N) #IMPLIED
  LoanForeclosureOrJudgmentIndicator (Y | N) #IMPLIED
  OutstandingJudgmentsIndicator (Y | N) #IMPLIED
  PartyToLawsuitIndicator (Y | N) #IMPLIED
  PresentlyDelinquentIndicator (Y | N) #IMPLIED
  PropertyForeclosurePastSevenYearsIndicator (Y | N) #IMPLIED
  VeteranStatusIndicator (Y | N) #IMPLIED>

<!ELEMENT OtherDeclarationDescription (#PCDATA)>
<!ELEMENT DEMOGRAPHICS (
  BirthDate?,
  DependentAgesCommaSeparatedList?,
  DependentCount?,
  SchoolingYears?)>
<!ATTLIST DEMOGRAPHICS
  DEMOGRAPHICSID ID #IMPLIED
  MaritalStatusType
    (Married |
     NotProvided |
     Separated |
     Unknown |
     UnmarriedSingleDivorcedWidowed) #IMPLIED>

<!ELEMENT BirthDate (#PCDATA)>

<!ELEMENT DependentAgesCommaSeparatedList (#PCDATA)>

<!ELEMENT DependentCount (#PCDATA)>

<!ELEMENT SchoolingYears (#PCDATA)>
<!ELEMENT DWELLING (
  PropertyGrossLivingAreaSquareFeet?,
  Manufactured?,
  DwellingFoundationType?,
  DwellingGrossNumberRoom?,
  DwellingNumberBedrooms?,
  DwellingNumberBathrooms?,
  DwellingAirConditioning?,
  DwellingTypeParkingFacility?)>
<!ATTLIST DWELLING
  DWELLINGID ID #IMPLIED>

<!ELEMENT PropertyGrossLivingAreaSquareFeet (#PCDATA)>
<!-- FHAVA/B2B -->
<!ELEMENT Manufactured (#PCDATA)>
<!-- FHAVA/B2B -->
<!ELEMENT DwellingFoundationType (#PCDATA)>
<!-- FHAVA/B2B -->
<!ELEMENT DwellingGrossNumberRoom (#PCDATA)>
<!-- FHAVA/B2B -->
<!ELEMENT DwellingNumberBedrooms (#PCDATA)>
<!-- FHAVA/B2B -->
<!ELEMENT DwellingNumberBathrooms (#PCDATA)>
<!-- FHAVA/B2B -->
<!ELEMENT DwellingAirConditioning (#PCDATA)>
<!-- FHAVA/B2B -->
<!ELEMENT DwellingTypeParkingFacility (#PCDATA)>

<!ELEMENT EMPLOYMENT (
  PositionDescription?,
  PositionTitle?,
  BusinessTypeDescription?,
  SelfEmployedBusinessOwnershipPercent?,
  TimeInLineOfWorkMonths?,
  StartDate?,
  EndDate?,
  Certification?)>
<!ATTLIST EMPLOYMENT
  EMPLOYMENTID ID #IMPLIED
  BorrowerSelfEmployedIndicator (Y | N) #IMPLIED
  CurrentEmploymentIndicator (Y | N) #IMPLIED
  PrimaryEmploymentIndicator (Y | N) #IMPLIED
  PARTYIDREF IDREF #IMPLIED
  INCOMEIDREFS IDREFS #IMPLIED>

<!ELEMENT PositionDescription (#PCDATA)>

<!ELEMENT PositionTitle (#PCDATA)>

<!ELEMENT BusinessTypeDescription (#PCDATA)>

<!ELEMENT SelfEmployedBusinessOwnershipPercent (#PCDATA)>

<!ELEMENT TimeInLineOfWorkMonths (#PCDATA)>

<!ELEMENT StartDate (#PCDATA)>

<!ELEMENT EndDate (#PCDATA)>

<!ELEMENT Certification (#PCDATA)>

<!ELEMENT EXPENSE (
  HousingExpensePaymentAmount?,
  OtherHousingExpenseDescription?)>
<!ATTLIST EXPENSE
  EXPENSEID ID #IMPLIED
  HousingExpenseType
    (FirstMortgagePITI |
     FirstMortgagePrincipalAndInterest |
     HazardInsurance |
     HomeownersAssociationDuesAndCondominiumFees |
     LeaseholdPayments |
     MaintenanceAndMiscellaneous |
     MortgageInsurance |
     OtherHousingExpense |
     OtherLoanPrincipalAndInterest |
     OtherMortgageLoanPITI |
     RealEstateTax |
     Rent |
     Utilities) #IMPLIED
  HousingType
    (BorrowerNonPrimaryResidencePresentHousing |
     BorrowerPrimaryResidencePresentHousing |
     SubjectPropertyProposed) #IMPLIED>

<!ELEMENT HousingExpensePaymentAmount (#PCDATA)>

<!ELEMENT OtherHousingExpenseDescription (#PCDATA)>

 <!ELEMENT FHAVA (
  AlterationsImprovementsAndRepairsFHAVAAmount?,
  BorrowerFinancedFHAVADiscountPointsAmount?,
  BorrowerPaidFHAVAClosingCostsAmount?,
  BorrowerPaidFHAVADiscountPointsPercent?,
  BorrowerPaidFHAVADiscountPointsTotalAmount?,
  BorrowerUnfinancedFHAVADiscountPointsAmount?,
  ClosingPackageReceivedDate?,
  CaseReceivedDate?,
  CaseTypeCD?,
  CaseTypeDescription?,
  EstimatedFHAClosingCostsAmount?,
  FHAVAEndorsmentDate?,
  FHAVATotalScorecardCase?,
  FHAVAIndemnityDate?,
  FHAVAMortgageInsurancePremium?,
  FHAVAPrincipalReduction?,
  FHAVAAgencyIdentifier?,
  FHAVAHopeForHomeOwners?,
  FHAVABorrowerType?,
  FHAVACurrentPayment?,
  FHAVAMonthlyPaymentPrincipalAndInterest?,
  FHAVATotalMortgagePayment?,
  FHAVAMortgagePaymentToIncomeRatio?,
  FHAVATotalFixedPaymentToIncomeRatio?,
  FHAVAMortgageBasisTotalCost?,
  FHAVARequiredInvestmentToClose?,
  FHAVATotalRequirementsForSale?,
  FHAVADatePriorLoanClosed?,
  FHAVAAmortizationCode?,
  FHAVAAssignmentLetterDate?,
  FHAVACaseEndorsementDate?,
  FHACoverageRenewalRatePercent?,
  FHAVADuplicateMICControlNumber?,
  FHAVAHousingAssistancePayment?,
  FHAVALenderTrack?,
  FHAVAOriginatorIdentifier?,
  FHAVAServicerIdentifier?,
  FHAVAHolderIdentifier?,
  FHAVATransferEffectiveDate?,
  FHAVAAssumptionEffectiveDate?,
  FHAVA203KConsultantIdentifier?,
  FHAVARepairEscrow?,
  FHAVAFieldOfficeCode?,
  FHAVAFinancingCode?,
  FHAVAUnderwriterApprovalDate?,
  FHAVAUnderwriterComputerizedHomesUnderwritingSystemIdentifier?,
  FHAVAProgramCodeIdentifier?,
  FHAVAProcessingCode?,
  FHAVAPropertyLocationCode?,
  FHAVAPriorPurchaseDate?,
  FHAVAPriorPurchasePriceAmount?,
  FHAVAPropertySaleWithin36Months?,
  FHAVASponsorIdentifier?,
  FHAVAVetransExpirationDate?,
  FHAVAVetransReferenceNumber?,
  FHAVAAppraiserSelectionIndicator?,
  FHAVAAppraiserAssignedDate?,
  FHAVAAppraiserAssignmentDate?,
  FHAVAAppraiserLicenseIdentifier*,
  FHAVAInspectorAssignedIdentifier?,
  FHAVAInspectorAssignedDate?,
  FHAVAInspectorAssignedPurpose?,
  FHAVAInspectorSelectionIndicator?,
  FHAVAStreamlinedReFinance?,
  OtherPartyPaidFHAVAClosingCostsAmount?,
  OtherPartyPaidFHAVADiscountPointsAmount?,
  OtherPartyPaidFHAVADiscountPointsPercent?,
  PriorLoanClosedBefore19990701?,
  PreProcessingReject?,
  SalesContractDate?,
  SellerPaidFHAVAClosingCostsAmount?,
  SellerPaidFHAVADiscountPointsAmount?,
  SellerPaidFHAVADiscountPointsPercent?,
  VAEntitlementAmount?,
  VAHouseholdSizeCount?,
  VAResidualIncomeAmount?,
  FHAVAHECM?)>

<!ATTLIST FHAVA
  FHAVAADPCode CDATA #IMPLIED
  FHAVAID ID #IMPLIED
  FHAVAExistingMortgageCurrencyIndicator CDATA #IMPLIED
  FHAVAPreviousCaseNumber CDATA #IMPLIED
  FHAVAPriorFinancingIndicator CDATA #IMPLIED
  FHAVAStreamlinedRefinanceIndicator CDATA #IMPLIED
  FHAAlimonyLiabilityTreatmentType
    (AdditionToDebt |
     ReductionToIncome) #IMPLIED
  SectionOfActType
    (203b |
     203b2 |
     203b251 |
     203h |
     203I |
     203k |
     203k251 |
     221d2 |
     221d2251 |
     234c |
     234c251) #IMPLIED
   FHAVASSNTINExemptionIndicator (Y | N) #IMPLIED
   Amortization 
   	(AdjustableRateMortgage | 
   	GrowingEquityMortgage |
	Fixed |
	GraduatedPaymentMortgage |
	EitherGPMorGEM) #IMPLIED
   HousingProgram 
   	(Condominium234c |
	HomeEquityMortgage255 |
	FHAStandardMortgageProgram203b |
	HomeEquityMortgageCondominium255 |
	Improvements203k |
	ImprovementsCondominium203k |
	Other |
	UrbanRenewal220 |
	HOPELoans) #IMPLIED
   SpecialProgram 
   	(NoSpecialProgram |
	223eLocationWaiver |
	HawaiianHomelands |
	IndianLands |
	MilitaryImpactArea) #IMPLIED
   BuyDown (Yes | No) #IMPLIED
   RefinanceCashOut (Yes | No) #IMPLIED>

<!ELEMENT AlterationsImprovementsAndRepairsFHAVAAmount (#PCDATA)>

<!ELEMENT BorrowerFinancedFHAVADiscountPointsAmount (#PCDATA)>

<!ELEMENT BorrowerPaidFHAVAClosingCostsAmount (#PCDATA)>

<!ELEMENT BorrowerPaidFHAVADiscountPointsPercent (#PCDATA)>

<!ELEMENT BorrowerPaidFHAVADiscountPointsTotalAmount (#PCDATA)>

<!ELEMENT BorrowerUnfinancedFHAVADiscountPointsAmount (#PCDATA)>

<!ELEMENT CaseReceivedDate (#PCDATA)>

<!ELEMENT CaseTypeCD (#PCDATA)>

<!ELEMENT CaseTypeDescription (#PCDATA)>

<!ELEMENT ClosingPackageReceivedDate (#PCDATA)>

<!ELEMENT FHAVAEndorsmentDate (#PCDATA)>

<!ELEMENT FHAVATotalScorecardCase (#PCDATA)>

<!ELEMENT FHAVAIndemnityDate (#PCDATA)>

<!ELEMENT FHAVAMortgageInsurancePremium EMPTY>
<!ATTLIST FHAVAMortgageInsurancePremium
	UpfrontMIPFactor CDATA #IMPLIED
	AnnualMIPFactor CDATA #IMPLIED
	UpfrontMIPFactorException CDATA #IMPLIED
	AnnualMIPFactorException CDATA #IMPLIED>

<!ELEMENT FHAVAPrincipalReduction EMPTY>
<!ATTLIST FHAVAPrincipalReduction 
	_Required (Yes| No) #IMPLIED
	_Value CDATA  #IMPLIED>

<!ELEMENT EstimatedFHAClosingCostsAmount (#PCDATA)>

<!ELEMENT FHAVAAgencyIdentifier (#PCDATA)>

<!ELEMENT FHAVAHopeForHomeOwners (
	FHAVAHopeForHomeOwnersHistory*,
	FHAVATrialMods?
	)>
<!ATTLIST FHAVAHopeForHomeOwners
            _DebtToIncomeRatio CDATA #IMPLIED
            _FirstPaymentDate CDATA #IMPLIED
            _Indicator (Yes | No) #IMPLIED
            _PayMonths CDATA #IMPLIED
            _PrepaymentAmount CDATA #IMPLIED
            _PrepaymentPenalty (Yes | No) #IMPLIED
            _PreviousCombinedLoanToValue CDATA #IMPLIED>
<!ELEMENT FHAVAHopeForHomeOwnersHistory EMPTY>
<!ATTLIST FHAVAHopeForHomeOwnersHistory
	_Index ID #REQUIRED
	_CurrentMortgageProvider CDATA #IMPLIED
	_CurrentMortgageProduct CDATA #IMPLIED>
<!ELEMENT FHAVATrialMods (FHAVATrialModDetail*)>
<!ATTLIST FHAVATrialMods
	_NumberOfMods CDATA #IMPLIED>
<!ELEMENT FHAVATrialModDetail EMPTY>
<!ATTLIST FHAVATrialModDetail
	_Index ID #REQUIRED
	_LengthOfMod CDATA #IMPLIED>
<!ELEMENT FHAVAPreviousLien EMPTY>
<!ATTLIST FHAVAPreviousLien
	_Index ID #REQUIRED
	_UnpaidBalance CDATA #IMPLIED
	_AccruedInterest CDATA #IMPLIED
	_TotalDue CDATA #IMPLIED
	_WriteDownAmount CDATA #IMPLIED
	_EmployerID CDATA #IMPLIED
	_SharedAppreciation (Yes | No) #IMPLIED>
<!-- FHAVA/B2B -->
<!ELEMENT FHAVAAmortizationCode (#PCDATA)>
<!-- FHAVA/B2B -->
<!ELEMENT FHAVAAssignmentLetterDate (#PCDATA)>
<!-- FHAVA/B2B -->
<!ELEMENT FHAVABorrowerType (#PCDATA)>
<!-- FHAVA/B2B -->
<!ELEMENT FHAVACaseEndorsementDate (#PCDATA)>
<!-- FHAVA/B2B -->
<!ELEMENT  FHAVACurrentPayment (#PCDATA)>
<!-- FHAVA/B2B -->
<!ELEMENT  FHAVALenderTrack (#PCDATA)>
<!-- FHAVA/B2B -->
<!ELEMENT FHAVAMonthlyPaymentPrincipalAndInterest (#PCDATA)>
<!-- FHAVA/B2B -->
<!ELEMENT  FHAVAMortgageBasisTotalCost (#PCDATA)>
<!-- FHAVA/B2B -->
<!ELEMENT  FHAVATotalMortgagePayment (#PCDATA)>
<!-- FHAVA/B2B -->
<!ELEMENT FHAVAMortgagePaymentToIncomeRatio (#PCDATA)>
<!-- FHAVA/B2B -->
<!ELEMENT FHAVATotalFixedPaymentToIncomeRatio (#PCDATA)>
<!-- FHAVA/B2B -->
<!ELEMENT FHAVARequiredInvestmentToClose (#PCDATA)>
<!-- FHAVA/B2B -->
<!ELEMENT FHAVATotalRequirementsForSale (#PCDATA)>
<!-- FHAVA/B2B -->
<!ELEMENT FHAVADatePriorLoanClosed (#PCDATA)>

<!ELEMENT FHACoverageRenewalRatePercent (#PCDATA)>
<!-- FHAVA/B2B -->
<!ELEMENT FHAVAServicerIdentifier (#PCDATA)>
<!-- FHAVA/B2B -->
<!ELEMENT FHAVAHolderIdentifier (#PCDATA)>
<!-- FHAVA/B2B -->
<!ELEMENT FHAVATransferEffectiveDate (#PCDATA)>
<!-- FHAVA/B2B -->
<!ELEMENT FHAVAAssumptionEffectiveDate (#PCDATA)>
<!-- FHAVA/B2B -->
<!ELEMENT FHAVA203KConsultantIdentifier (#PCDATA)>
<!-- FHAVA/B2B -->
<!ELEMENT FHAVAHousingAssistancePayment (#PCDATA)>
<!ATTLIST FHAVAHousingAssistancePayment 
	NewHAP (Y | N) #IMPLIED>
<!-- FHAVA/B2B -->
<!ELEMENT FHAVARepairEscrow (#PCDATA)>
<!ATTLIST FHAVARepairEscrow 
  RepairEscrowAmmount CDATA #IMPLIED
  RepairCompletedDate CDATA #IMPLIED>
<!-- FHAVA/B2B -->
<!ELEMENT FHAVADuplicateMICControlNumber (#PCDATA)>
<!-- FHAVA/B2B -->
<!ELEMENT FHAVAFieldOfficeCode (#PCDATA)>
<!-- FHAVA/B2B -->
<!ELEMENT FHAVAFinancingCode  (#PCDATA)>
<!-- FHAVA/B2B -->
<!ELEMENT FHAVAUnderwriterApprovalDate  (#PCDATA)>
<!-- FHAVA/B2B -->
<!ELEMENT FHAVAOriginatorIdentifier (#PCDATA)>
<!-- FHAVA/B2B -->
<!ELEMENT FHAVAProgramCodeIdentifier (#PCDATA)>
<!-- FHAVA/B2B -->
<!ELEMENT FHAVAPriorPurchaseDate (#PCDATA)>
<!-- FHAVA/B2B -->
<!ELEMENT FHAVAPriorPurchasePriceAmount (#PCDATA)>
<!-- FHAVA/B2B -->
<!ELEMENT FHAVAPropertySaleWithin36Months (#PCDATA)>
<!ATTLIST FHAVAPropertySaleWithin36Months
	FlippingWaiver (Yes | No | NotApplicable) #IMPLIED
	FlippingCaseType (90dayRule | GreaterThan90DayRule | LocationRule | NotApplicable) #IMPLIED>
<!-- FHAVA/B2B -->
<!ELEMENT FHAVAProcessingCode (#PCDATA)>
<!-- FHAVA/B2B -->
<!ELEMENT FHAVAPropertyLocationCode (#PCDATA)>

<!ELEMENT FHAVAUnderwriterComputerizedHomesUnderwritingSystemIdentifier (#PCDATA)>
<!-- FHAVA/B2B -->
<!ELEMENT FHAVASponsorIdentifier (#PCDATA)>

<!ELEMENT FHAVAAppraiserLicenseIdentifier (#PCDATA)>

<!ATTLIST FHAVAAppraiserLicenseIdentifier
	AppraiserAssignmentStatus CDATA #IMPLIED
	Type (Licensed | CertifiedGeneral | CertifiedResidential) #IMPLIED>

<!-- FHAVA/B2B -->
<!ELEMENT FHAVAStreamlinedReFinance (
  FHAVASRFIName?,
  FHAVASRFIAddr1?,
  FHAVASRFICity?,
  FHAVASRFIState?,
  FHAVASRFIZipCode?,
  FHAVASRFICountyCode?,
  PARSEDSTREETNAME?,
  FHAVASRFIExpirationDate?,
  FHAVASRFIUnearnedMIP1?,
  FHAVASRFIUnearnedMIP2?,
  FHAVASRFIUnearnedMIPFactor1?,
  FHAVASRFIUnearnedMIPFactor2?,
  FHAVASRFIMortgagee?,
  FHAVASRFIMortgageAmount?,
  FHAVASRFIPremium?,
  FHAVASRFITerm?,
  FHAVASRFIEarnedMIP1?,
  FHAVASRFIEarnedMIP2?,
  FHAVASRFIClosing1?,
  FHAVASRFIClosing2?,
  FHAVASRFILoanTerm1?,
  FHAVASRFILoanTerm2?,
  FHAVASRFIOriginalPropertyValue?,
  FHAVASRFIContactName?,
  FHAVASRFIContactPhone?)>
<!ATTLIST FHAVAStreamlinedReFinance FHAVAStreamlinedReFinanceAuthorizationNumber CDATA #IMPLIED>

<!-- FHAVA/B2B -->
<!ELEMENT FHAVASRFIName (#PCDATA)>
<!-- FHAVA/B2B -->
<!ELEMENT FHAVASRFIAddr1 (#PCDATA)>
<!-- FHAVA/B2B -->
<!ELEMENT FHAVASRFICity (#PCDATA)>
<!-- FHAVA/B2B -->
<!ELEMENT FHAVASRFIState (#PCDATA)>
<!-- FHAVA/B2B -->
<!ELEMENT FHAVASRFIZipCode (#PCDATA)>
<!-- FHAVA/B2B -->
<!ELEMENT FHAVASRFICountyCode (#PCDATA)>
<!-- FHAVA/B2B -->
<!ELEMENT FHAVASRFIExpirationDate (#PCDATA)>
<!-- FHAVA/B2B -->
<!ELEMENT FHAVASRFIUnearnedMIP1 (#PCDATA)>
<!-- FHAVA/B2B -->
<!ELEMENT FHAVASRFIUnearnedMIP2 (#PCDATA)>
<!-- FHAVA/B2B -->
<!ELEMENT FHAVASRFIUnearnedMIPFactor1 (#PCDATA)>
<!-- FHAVA/B2B -->
<!ELEMENT FHAVASRFIUnearnedMIPFactor2 (#PCDATA)>
<!-- FHAVA/B2B -->
<!ELEMENT FHAVASRFIMortgagee (#PCDATA)>
<!-- FHAVA/B2B -->
<!ELEMENT FHAVASRFIMortgageAmount (#PCDATA)>
<!-- FHAVA/B2B -->
<!ELEMENT FHAVASRFIPremium (#PCDATA)>
<!-- FHAVA/B2B -->
<!ELEMENT FHAVASRFITerm (#PCDATA)>
<!-- FHAVA/B2B -->
<!ELEMENT FHAVASRFIEarnedMIP1 (#PCDATA)>
<!-- FHAVA/B2B -->
<!ELEMENT FHAVASRFIEarnedMIP2 (#PCDATA)>
<!-- FHAVA/B2B -->
<!ELEMENT FHAVASRFIClosing1 (#PCDATA)>
<!-- FHAVA/B2B -->
<!ELEMENT FHAVASRFIClosing2 (#PCDATA)>
<!-- FHAVA/B2B -->
<!ELEMENT FHAVASRFILoanTerm1 (#PCDATA)>
<!-- FHAVA/B2B -->
<!ELEMENT FHAVASRFILoanTerm2 (#PCDATA)>
<!-- FHAVA/B2B -->
<!ELEMENT FHAVASRFIOriginalPropertyValue (#PCDATA)>
<!-- FHAVA/B2B -->
<!ELEMENT FHAVASRFIContactName (#PCDATA)>
<!-- FHAVA/B2B -->
<!ELEMENT FHAVASRFIContactPhone (#PCDATA)>
<!-- FHAVA/B2B -->
<!ELEMENT FHAVAVetransExpirationDate (#PCDATA)>
<!-- FHAVA/B2B -->
<!ELEMENT FHAVAVetransReferenceNumber (#PCDATA)>
<!-- FHAVA/B2B -->
<!ELEMENT FHAVAAppraiserSelectionIndicator (#PCDATA)>
<!-- FHAVA/B2B -->
<!ELEMENT FHAVAAppraiserAssignedDate (#PCDATA)>
<!-- FHAVA/B2B -->
<!ELEMENT FHAVAAppraiserAssignmentDate (#PCDATA)>
<!-- FHAVA/B2B -->
<!ELEMENT FHAVAInspectorAssignedIdentifier (#PCDATA)>
<!-- FHAVA/B2B -->
<!ELEMENT FHAVAInspectorAssignedDate (#PCDATA)>
<!-- FHAVA/B2B -->
<!ELEMENT FHAVAInspectorAssignedPurpose (#PCDATA)>
<!-- FHAVA/B2B -->
<!ELEMENT FHAVAInspectorSelectionIndicator (#PCDATA)>
<!-- FHAVA/B2B -->
<!ELEMENT FHAVAInspectionSelectionIndicator (#PCDATA)>
<!-- FHAVA/B2B -->
<!ELEMENT FHAVAHECM (
  FHAVAHECMCounselID?,
  FHAVAHECMCounselCertificate?,
  FHAVAHECMCounselDate?,
  FHAVAHECMExistingLiens?,
  FHAVAHECMDebts?,
  FHAVAHECMRealEstateDebts?,
  FHAVAHECMExpectedRate?,
  FHAVAHECMARMFrequency?,
  FHAVAHECMMaximumInterest?,
  FHAVAHECMPaymentPlanTenure?,
  FHAVAHECMPaymentPlanTerm?,
  FHAVAHECMPaymentPlanLineOfCredit?,
  FHAVAHECMPrincipalLimit?,
  FHAVAHECMmaximumClaimAmount?,
  FHAVAHECMInsuredBy?)>
  
<!ELEMENT FHAVAHECMCounselID (#PCDATA)>
<!ELEMENT FHAVAHECMCounselCertificate (#PCDATA)>
<!ELEMENT FHAVAHECMCounselDate (#PCDATA)>
<!ELEMENT FHAVAHECMExistingLiens (#PCDATA)>
<!ELEMENT FHAVAHECMDebts (#PCDATA)>
<!ELEMENT FHAVAHECMRealEstateDebts (#PCDATA)>
<!ELEMENT FHAVAHECMExpectedRate (#PCDATA)>
<!ELEMENT FHAVAHECMARMFrequency (#PCDATA)>
<!ELEMENT FHAVAHECMMaximumInterest (#PCDATA)>
<!-- FHAVA/B2B -->
<!ELEMENT FHAVAHECMPaymentPlanTenure (#PCDATA)>
<!-- FHAVA/B2B -->
<!ELEMENT FHAVAHECMPaymentPlanTerm (#PCDATA)>
<!-- FHAVA/B2B -->
<!ELEMENT FHAVAHECMPaymentPlanLineOfCredit (#PCDATA)>
<!-- FHAVA/B2B -->
<!ELEMENT FHAVAHECMPrincipalLimit (#PCDATA)>
<!-- FHAVA/B2B -->
<!ELEMENT FHAVAHECMmaximumClaimAmount (#PCDATA)>
<!-- FHAVA/B2B -->
<!ELEMENT FHAVAHECMInsuredBy (#PCDATA)>
  
<!ELEMENT OtherPartyPaidFHAVAClosingCostsAmount (#PCDATA)>

<!ELEMENT OtherPartyPaidFHAVADiscountPointsAmount (#PCDATA)>
<!-- FHAVA/B2B -->
<!ELEMENT SalesContractDate (#PCDATA)>

<!-- FHAVA/B2B -->
<!ELEMENT PriorLoanClosedBefore19990701 (#PCDATA)>
<!-- FHAVA/B2B -->
<!ELEMENT PreProcessingReject (#PCDATA)>

<!ELEMENT OtherPartyPaidFHAVADiscountPointsPercent (#PCDATA)>

<!ELEMENT SellerPaidFHAVAClosingCostsAmount (#PCDATA)>

<!ELEMENT SellerPaidFHAVADiscountPointsAmount (#PCDATA)>

<!ELEMENT SellerPaidFHAVADiscountPointsPercent (#PCDATA)>

<!ELEMENT VAEntitlementAmount (#PCDATA)>

<!ELEMENT VAHouseholdSizeCount (#PCDATA)>

<!ELEMENT VAResidualIncomeAmount (#PCDATA)>
<!ELEMENT FLOODREQUEST (
  FloodProductDescription?,
  RESPONSEPARTY?)>
<!ATTLIST FLOODREQUEST
  FLOODREQUESTID ID #IMPLIED>
  
<!ELEMENT FloodProductDescription (#PCDATA)>
<!ELEMENT FULFILLMENTPARTY EMPTY>
<!ATTLIST FULFILLMENTPARTY
  FULFILLMENTPARTYID ID #IMPLIED
  PARTYIDREF IDREF #IMPLIED>
<!ELEMENT GEOGRAPHICREGION (
  CensusTractIdentifier?,
  MetropolitanStatisticalAreaIdentifier?,
  PropertyCityAssessorParcelIdentifier?,
  PropertyCountyAssessorParcelIdentifier?,
  PropertyStateAssessorParcelIdentifier?)>
<!ATTLIST GEOGRAPHICREGION
  GEOGRAPHICREGIONID ID #IMPLIED>

<!ELEMENT CensusTractIdentifier (#PCDATA)>

<!ELEMENT MetropolitanStatisticalAreaIdentifier (#PCDATA)>

<!ELEMENT PropertyCityAssessorParcelIdentifier (#PCDATA)>

<!ELEMENT PropertyCountyAssessorParcelIdentifier (#PCDATA)>

<!ELEMENT PropertyStateAssessorParcelIdentifier (#PCDATA)>
<!ELEMENT GOVERNMENTMONITORING (
  OtherRaceNationalOriginDescription?,
	RaceNationalOriginType?)>
<!ATTLIST GOVERNMENTMONITORING
  GOVERNMENTMONITORINGID ID #IMPLIED
  GenderType
    (Female |
     InformationNotProvidedUnknown |
     Male |
     NotApplicable) #IMPLIED
	EthnicityType 
		(Hispanic|
		NonHispanic) #IMPLIED
  BorrowerFurnished (Yes | No) #IMPLIED>

<!ELEMENT OtherRaceNationalOriginDescription (#PCDATA)>

<!ELEMENT RaceNationalOriginType (#PCDATA)>
<!ATTLIST RaceNationalOriginType
	RaceNationalOriginTypeID CDATA #IMPLIED>

<!ELEMENT IMPROVEMENT (
  ConstructionImprovementCostsAmount?,
  RefinanceCompletedImprovementsAmount?,
  RefinanceCompletedImprovementsDescription?,
  RefinanceProposedImprovementsAmount?,
  RefinanceProposedImprovementsDescription?)>
<!ATTLIST IMPROVEMENT
  IMPROVEMENTID ID #IMPLIED>

<!ELEMENT ConstructionImprovementCostsAmount (#PCDATA)>

<!ELEMENT RefinanceCompletedImprovementsAmount (#PCDATA)>

<!ELEMENT RefinanceCompletedImprovementsDescription (#PCDATA)>

<!ELEMENT RefinanceProposedImprovementsAmount (#PCDATA)>

<!ELEMENT RefinanceProposedImprovementsDescription (#PCDATA)>
<!ELEMENT INCOME (
  IncomeAmount?,
  OtherIncomeDescription?)>
<!ATTLIST INCOME
  INCOMEID ID #IMPLIED
  IncomeSourceType
    (Primary |
     Secondary) #IMPLIED
  IncomeType
    (Alimony |
     BaseIncome |
     BonusIncome |
     ChildSupport |
     Commissions |
     DividendsInterest |
     OtherTypesOfIncome |
     Overtime |
     Pension |
     ProposedGrossRentForSubjectProperty |
     PublicAssistanceIncome |
     REOGrossRentalIncome |
     SocialSecurity |
     UnemploymentCompensation |
     VABenefitsNoneducational |
     WorkmansCompensation) #IMPLIED
  IncomeTaxableIndicator (Y | N) #IMPLIED
  SelfEmploymentIncomeIndicator (Y | N) #IMPLIED
  IncomeTimeType
    (Current |
     Prior) #IMPLIED>

<!ELEMENT IncomeAmount (#PCDATA)>

<!ELEMENT OtherIncomeDescription (#PCDATA)>
<!ELEMENT KEY (
  KeyName?,
  KeyValue?)>
<!ATTLIST KEY
  KEYID ID #IMPLIED>

<!ELEMENT KeyName (#PCDATA)>

<!ELEMENT KeyValue (#PCDATA)>
<!ELEMENT LOAN (
  LoanRegistrationIdentifier?,
  MortgageIdentifier?,
  BUYDOWN*,
  LOANSTATUSHISTORY*)>
<!ATTLIST LOAN
  LOANID ID #IMPLIED
  MORTGAGEINSURANCEIDREF IDREF #IMPLIED
  PRODUCTIDREF IDREF #IMPLIED
  SUBJECTPROPERTYIDREF IDREF #IMPLIED
  APPLICATIONIDREFS IDREFS #IMPLIED
  BORROWERIDREFS IDREFS #IMPLIED>

<!ELEMENT LoanRegistrationIdentifier (#PCDATA)>

<!ELEMENT MortgageIdentifier (#PCDATA)>
<!ELEMENT LOANSTATUSHISTORY (
  LoanStatusDate?)>
<!ATTLIST LOANSTATUSHISTORY
  LOANSTATUSHISTORYID ID #IMPLIED
  LoanStatusType
    (Accepted |
     ConditionallyAccepted |
     Denied |
     None |
     Sold |
     Submitted) #IMPLIED>

<!ELEMENT LoanStatusDate (#PCDATA)>
<!ELEMENT MERGEDLIABILITY (
  AccountIdentifier?,
  AccountOpenedDate?,
  AccountPaidDate?,
  AccountStatusDate?,
  AccountClosedDate?,
  BalloonPaymentAmount?,
  ChargeOffAmount?,
  CollateralDescription?,
  CreditLimitAmount?,
  CreditorName?,
  HighBalanceAmount?,
  HighCreditAmount?,
  HighestDelinquencyAmount?,
  HighestDelinquencyDate?,
  LastActivityDate?,
  Late30DaysCount?,
  Late60DaysCount?,
  Late90DaysCount?,
  Late120DaysCount?,
  Late150DaysCount?,
  Late180DaysCount?,
  MonthsReviewedCount?,
  MonthlyPaymentAmount?,
  MostRecentDelinquencyAmount?,
  MostRecentDelinquencyDate?,
  OriginalCreditorName?,
  OtherLiabilityTypeDescription?,
  PastDueAmount?,
  PaymentPatternData?,
  PaymentPatternStartDate?,
  ReportedDate?,
  TermMonths?,
  TermsDescription?,
  UnpaidBalanceAmount?,
  CREDITLATEDATES*,
  CREDITCOMMENT*,
  VERIFICATION?,
  REPOSITORYLIABILITY*)>
<!ATTLIST MERGEDLIABILITY
  MERGEDLIABILITYID ID #IMPLIED
  AccountOwnershipType
    (AuthorizedUser |
     Comaker |
     Individual |
     JointContractualLiability |
     JointParticipating |
     Maker |
     OnBehalfOf |
     Terminated |
     Undesignated) #IMPLIED
  AccountStatusType
    (Closed |
     Frozen |
     Open |
     Paid |
     Refinanced |
     Transferred) #IMPLIED
  AccountType
    (CreditLine |
     Installment |
     Mortgage |
     Open |
     Revolving) #IMPLIED
  BusinessType
    (Advertising |
     Automotive |
     Banking |
     Clothing |
     CollectionServices |
     Contractors |
     DepartmentAndMailOrder |
     Employment |
     FarmAndGardenSupplies |
     Finance |
     Government |
     Grocery |
     HomeFurnishing |
     Insurance |
     JewelryAndCamera |
     LumberAndHardware |
     MedicalAndHealth |
     MiscellaneousAndPublicRecord |
     OilAndNationalCreditCards |
     PersonalServicesNotMedical |
     RealEstateAndPublicAccommodation |
     SportingGoods |
     UtilitiesAndFuel |
     Wholesale) #IMPLIED
  CreditLoanType
    (Agriculture |
     Airplane |
     ApplianceOrFurniture |
     AttorneyFees |
     AutoLease |
     AutoLoanEquityTransfer |
     Automobile |
     AutoRefinance |
     Boat |
     Business |
     BusinessCreditCard |
     ChargeAccount |
     CheckCreditOrLineOfCredit |
     ChildSupport |
     Collection |
     CollectionAttorney |
     Comaker |
     CombinedCreditPlan |
     CommercialCreditObligation |
     CommercialLineOfCredit |
     CommercialMortgage |
     ConditionalSalesContract |
     Consolidation |
     ConventionalRealEstateMortgage |
     CreditCard |
     CreditLineSecured |
     DebitCard |
     DebtCounselingService |
     DepositRelated |
     Educational |
     Employment |
     FactoringCompanyAccount |
     FamilySupport |
     FarmersHomeAdministrationFHMA |
     FederalConsolidatedLoan |
     FHAComakerNotBorrower |
     FHAHomeImprovement |
     FHARealEstateMortgage |
     FinanceStatement |
     GovernmentBenefit |
     GovernmentEmployeeAdvance |
     GovernmentFeeForService |
     GovernmentFine |
     GovernmentGrant |
     GovernmentMiscellaneousDebt |
     GovernmentOverpayment |
     GovernmentSecuredDirectLoan |
     GovernmentSecuredGuaranteeLoan |
     GovernmentUnsecuredDirectLoan |
     GovernmentUnsecuredGuaranteeLoan |
     HomeEquityLineOfCredit |
     HomeImprovement |
     HouseholdGoods |
     HouseholdGoodsAndOtherCollateralAuto |
     HouseholdGoodsSecured |
     InstallmentLoan |
     InstallmentSalesContract |
     InsuranceClaims |
     Lease |
     LenderPlacedInsurance |
     ManualMortgage |
     MedicalDebt |
     MobileHome |
     Mortgage |
     NoteLoan |
     NoteLoanWithComaker |
     Other |
     PartiallySecured |
     PersonalLoan |
     RealEstateJuniorLiens |
     RealEstateLoanEquityTransfer |
     RealEstateMortgageWithoutOtherCollateral |
     RealEstateSpecificTypeUnknown |
     Recreational |
     RecreationalVehicle |
     Refinance |
     RefundAnticipationLoan |
     RentalAgreement |
     ResidentialLoan |
     ReturnedCheck |
     RevolvingBusinessLines |
     Secured |
     SecuredByCosigner |
     SecuredCreditCard |
     SecuredHomeImprovement |
     SinglePaymentLoan |
     SpouseSupport |
     SummaryOfAccountsWithSameStatus |
     TimeSharedLoan |
     Title1Loan |
     UnknownLoanType |
     Unsecured |
     VeteransAdministrationLoan |
     VeteransAdministrationRealEstateMortgage) #IMPLIED
  CurrentDelinquencyRatingType
    (AsAgreed |
     Collection |
     Foreclosure |
     Late30Days |
     Late60Days |
     Late90Days |
     LateOver120Days |
     NoDataAvailable |
     Repossession |
     TooNew |
     WageEarnerPlan) #IMPLIED
  DataRepositorySourceType
    (Equifax |
     Experian |
     MergedData |
     Other |
     PrenticeHall |
     TransUnion) #IMPLIED
  HighestDelinquencyRatingType
    (AsAgreed |
     Collection |
     Foreclosure |
     Late30Days |
     Late60Days |
     Late90Days |
     LateOver120Days |
     NoDataAvailable |
     Repossession |
     TooNew |
     WageEarnerPlan) #IMPLIED
  MostRecentDelinquencyRatingType
    (AsAgreed |
     Collection |
     Foreclosure |
     Late30Days |
     Late60Days |
     Late90Days |
     LateOver120Days |
     NoDataAvailable |
     Repossession |
     TooNew |
     WageEarnerPlan) #IMPLIED
  TermsCalculatedOrProvidedIndicator
    (Calculated |
     Provided) #IMPLIED
  ConsumerDisputeIndicator (Y | N) #IMPLIED
  DerogatoryDataIndicator (Y | N) #IMPLIED
  ManualUpdateIndicator (Y | N) #IMPLIED
  PARTYIDREF IDREF #IMPLIED
  BORROWERIDREFS IDREFS #IMPLIED
  CREDITFILEVARIATIONIDREFS IDREFS #IMPLIED>


<!ELEMENT AccountOpenedDate (#PCDATA)>

<!ELEMENT AccountPaidDate (#PCDATA)>

<!ELEMENT AccountStatusDate (#PCDATA)>

<!ELEMENT AccountClosedDate (#PCDATA)>

<!ELEMENT BalloonPaymentAmount (#PCDATA)>

<!ELEMENT ChargeOffAmount (#PCDATA)>

<!ELEMENT CollateralDescription (#PCDATA)>

<!ELEMENT CreditLimitAmount (#PCDATA)>


<!ELEMENT HighBalanceAmount (#PCDATA)>

<!ELEMENT HighCreditAmount (#PCDATA)>

<!ELEMENT HighestDelinquencyAmount (#PCDATA)>

<!ELEMENT HighestDelinquencyDate (#PCDATA)>

<!ELEMENT LastActivityDate (#PCDATA)>

<!ELEMENT Late30DaysCount (#PCDATA)>

<!ELEMENT Late60DaysCount (#PCDATA)>

<!ELEMENT Late90DaysCount (#PCDATA)>

<!ELEMENT Late120DaysCount (#PCDATA)>

<!ELEMENT Late150DaysCount (#PCDATA)>

<!ELEMENT Late180DaysCount (#PCDATA)>

<!ELEMENT MonthsReviewedCount (#PCDATA)>

<!ELEMENT MonthlyPaymentAmount (#PCDATA)>

<!ELEMENT MostRecentDelinquencyAmount (#PCDATA)>

<!ELEMENT MostRecentDelinquencyDate (#PCDATA)>

<!ELEMENT OriginalCreditorName (#PCDATA)>

<!ELEMENT PastDueAmount (#PCDATA)>

<!ELEMENT PaymentPatternData (#PCDATA)>

<!ELEMENT PaymentPatternStartDate (#PCDATA)>

<!ELEMENT ReportedDate (#PCDATA)>

<!ELEMENT TermMonths (#PCDATA)>

<!ELEMENT TermsDescription (#PCDATA)>

<!ELEMENT UnpaidBalanceAmount (#PCDATA)>
<!ELEMENT MERGEDPUBLICRECORD (
  AttorneyName?,
  BankruptcyAssetsAmount?,
  BankruptcyLiabilitiesAmount?,
  CourtName?,
  DefendantName?,
  DispositionDate?,
  DocketIdentifier?,
  FiledDate?,
  LegalObligationAmount?,
  OtherPublicRecordDispositionTypeDescription?,
  OtherPublicRecordTypeDescription?,
  PaidDate?,
  PlaintiffName?,
  ReportedDate?,
  SettledDate?,
  CREDITCOMMENT*,
  VERIFICATION?,
  REPOSITORYPUBLICRECORD*)>
<!ATTLIST MERGEDPUBLICRECORD
  MERGEDPUBLICRECORDID ID #IMPLIED
  DataRepositorySourceType
    (Equifax |
     Experian |
     MergedData |
     Other |
     PrenticeHall |
     TransUnion) #IMPLIED
  PaymentFrequencyType
    (Biweekly |
     LumpSum |
     Monthly |
     Other |
     Unknown |
     Weekly |
     Yearly) #IMPLIED
  PublicRecordDispositionType
    (Adjudicated |
     Appealed |
     Cancelled |
     Completed |
     Converted |
     Discharged |
     Dismissed |
     Distributed |
     Filed |
     Granted |
     InvoluntarilyDischarged |
     Nonadjudicated |
     Other |
     Paid |
     PaidNotSatisfied |
     Pending |
     RealEstateSold |
     Released |
     Rescinded |
     Satisfied |
     Settled |
     Unknown |
     Unreleased |
     Unsatisfied |
     Vacated |
     VoluntarilyDischarged |
     Withdrawn) #IMPLIED
  PublicRecordType
    (Annulment |
     Attachment |
     BankruptcyChapter11 |
     BankruptcyChapter12 |
     BankruptcyChapter13 |
     BankruptcyChapter7 |
     BankruptcyChapter7Involuntary |
     BankruptcyChapter7Voluntary |
     BankruptcyTypeUnknown |
     Collection |
     CustodyAgreement |
     DivorceDecree |
     FicticiousName |
     FinancialCounseling |
     FinancingStatement |
     ForcibleDetainer |
     Foreclosure |
     Garnishment |
     Judgment |
     LawSuit |
     Lien |
     NonResponsibility |
     NoticeOfDefault |
     Other |
     PublicSale |
     RealEstateRecording |
     Repossession |
     SupportDebt |
     TaxLienCity |
     TaxLienCounty |
     TaxLienFederal |
     TaxLienOther |
     TaxLienState |
     Trusteeship |
     Unknown |
     UnlawfulDetainer) #IMPLIED
  ConsumerDisputeIndicator (Y | N) #IMPLIED
  DerogatoryDataIndicator (Y | N) #IMPLIED
  ManualUpdateIndicator (Y | N) #IMPLIED
  BORROWERIDREFS IDREFS #IMPLIED
  CREDITFILEVARIATIONIDREFS IDREFS #IMPLIED>

<!ELEMENT AttorneyName (#PCDATA)>

<!ELEMENT BankruptcyAssetsAmount (#PCDATA)>

<!ELEMENT BankruptcyLiabilitiesAmount (#PCDATA)>

<!ELEMENT CourtName (#PCDATA)>

<!ELEMENT DefendantName (#PCDATA)>

<!ELEMENT DispositionDate (#PCDATA)>

<!ELEMENT DocketIdentifier (#PCDATA)>

<!ELEMENT FiledDate (#PCDATA)>

<!ELEMENT LegalObligationAmount (#PCDATA)>

<!ELEMENT OtherPublicRecordDispositionTypeDescription (#PCDATA)>

<!ELEMENT OtherPublicRecordTypeDescription (#PCDATA)>

<!ELEMENT PaidDate (#PCDATA)>

<!ELEMENT PlaintiffName (#PCDATA)>


<!ELEMENT SettledDate (#PCDATA)>

<!-- FHAVA/B2B -->
<!ELEMENT MORTGAGEINSURANCE (
  MortgageInsuranceUnpaidPrincipalBalance?,
  MortgageInsuranceCertificateIdentifier?,
  MortgageInsuranceCoveragePercent?,
  MortgageInsurancePremiumTermMonths?,
  MortgageInsurancePremiumMaturationDate?,
  MortgageInsuranceQualifyingAssetsAmount?,
  MortgageInsuranceQualifyingIncomeAmount?,
  MortgageInsuranceTotalQualifyingLiabilityPaymentAmount?,
  MortgageInsuranceTransactionIdentifier?,
  MortgageInsuranceAutomatedUnderwritingSystemName?,
  MortgageInsuranceAutomatedUnderwritingSystemResultDescription?,
  MortgageInsuranceFirstMortgageBeingRefinancedAmount?,
  MortgageInsuranceOriginalAppraisalAmount?,
  MortgageInsuranceLenderIdentifier?,
  MortgageInsuranceLenderSpecialProgramType?,
  MortgageInsuranceReceived?,
  MortgageInsuranceSpecialPricingType?,
  MortgageInsuranceTotalLiability?,
  MortgageInsuranceTerminationType?,
  MortgageInsuranceTerminationEffectiveDate?,
  MortgageInsuranceWarrantyEnrollmentNumber?)>

<!ATTLIST MORTGAGEINSURANCE
  MORTGAGEINSURANCEID ID #IMPLIED
  DownPaymentOptionType
    (FivePercentOption |
     ThreeTwoOption) #IMPLIED
  MortgageInsuranceApplicationType
    (Delegated |
     Prequalification |
     StandardApplication) #IMPLIED
  MortgageInsuranceCashOutType
    (CashOut |
     LimitedCashOut) #IMPLIED
  MortgageInsuranceCashOutUsageDescription
    (DebtConsolidation |
     Education |
     HomeImprovement |
     Medical) #IMPLIED
  MortgageInsuranceCertificateType
    (BothPrimaryAndPool |
     NoCoverage |
     Pool |
     Primary) #IMPLIED
  MortgageInsuranceCertificateToBeIssuedInSponsorsName CDATA #IMPLIED
  MortgageInsuranceInformationToBeMailedToSponsor CDATA #IMPLIED
  MortgageInsuranceCompanyName
    (CMGMortgageInsuranceCompany |
     GECapitalMortgageInsuranceCorporation |
     MGICIndemnityCorporation |
     MortgageGuarantyInsuranceCorporation |
     PMIMortgageInsuranceCorporation |
     RadianFormerlyCMAC |
     RepublicMortgageInsuranceCompany |
     TriadGuarantyInsuranceCorporation |
     UnitedGuarantyCorporation) #IMPLIED
  MortgageInsuranceCoveragePlanType
    (Pool |
     RiskSharing |
     SecondLayer |
     StandardPrimary) #IMPLIED
  MortgageInsuranceDesktopUnderwriterDecisionType
    (ApproveEligible |
     ReferEligible |
     ReferIneligible |
     ReferOutOfScope |
     ReferWithCaution |
     Relocation) #IMPLIED
  MortgageInsuranceDurationType
    (Annual |
     NotApplicable |
     PeriodicMonthly |
     SingleLifeOfLoan |
     SpecificTermSingle) #IMPLIED
  MortgageInsuranceEmployeeLoanIndicator
    (Employee) #IMPLIED
  MortgageInsurancePaid CDATA #IMPLIED
  MortgageInsurancePenalty CDATA #IMPLIED
  MortgageInsuranceInitialPremiumPrepaidAtClosingType
    (Deferred |
     Prepaid) #IMPLIED
  MortgageInsuranceLoanProspectorEligibilityType
    (Eligible |
     Incomplete |
     Ineligible) #IMPLIED
  MortgageInsuranceLoanProspectorRiskType
    (Accept |
     AcceptPlus |
     Caution |
     CautionAMinusEligible) #IMPLIED
  MortgageInsurancePremiumPaymentType
    (BorrowerPaid |
     BothBorrowerAndLenderPaid |
     LenderPaid) #IMPLIED
  MortgageInsurancePremiumRatePlanType
    (BackLoaded |
     Level |
     ModifiedFrontLoaded |
     StandardFrontLoaded) #IMPLIED
  MortgageInsurancePremiumRefundableType
    (NotRefundable |
     Refundable |
     RefundableWithLimits) #IMPLIED
  MortgageInsuranceReducedLoanDocumentationType
    (NoIncomeNoAsset |
     NoIncomeNoRatio |
     StatedIncomeWithIRSForm4506 |
     StatedIncomeWithoutIRSForm4506) #IMPLIED
  MortgageInsuranceRefinanceType
    (EquityTakeout |
     IncreaseTerm |
     RateAndTerm |
     ReduceRate |
     ReduceTerm) #IMPLIED
  MortgageInsuranceRelocationIndicator
    (Relocation) #IMPLIED
  MortgageInsuranceRenewalCalculationType
    (Constant |
     Declining |
     NoRenewals |
     NotApplicable) #IMPLIED
  MortgageInsuranceRenewalType
    (Guaranteed |
     NotApplicable |
     Variable) #IMPLIED
  MortgageInsuranceRequestType
    (OriginalRequest |
     Response |
     Resubmission) #IMPLIED
  MortgageInsuranceSubPrimeProgramType
    (Aminus) #IMPLIED
  MortgageInsuranceCaptiveReinsuranceIndicator (Y | N) #IMPLIED
  MortgageInsurancePremiumFinancedIndicator (Y | N) #IMPLIED
  MortgageInsurancePrimaryBorrowerType (Y | N) #IMPLIED
  MortgageInsuranceRequired CDATA #IMPLIED
  MortgageInsuranceLocationUninsurable (Y | N) #IMPLIED
  MortgageInsurancePropertyUnisurable (Y | N) #IMPLIED
  PARTYIDREFS IDREFS #IMPLIED
  EndorsementAuthority CDATA #IMPLIED
  BinderStatus CDATA #IMPLIED>

<!ELEMENT MortgageInsuranceUnpaidPrincipalBalance (#PCDATA)>

<!ELEMENT MortgageInsuranceCertificateIdentifier (#PCDATA)>

<!ELEMENT MortgageInsuranceCoveragePercent (#PCDATA)>

<!ELEMENT MortgageInsurancePremiumTermMonths (#PCDATA)>
<!-- FHAVA/B2B -->
<!ELEMENT MortgageInsuranceReceived (#PCDATA)>

<!-- FHAVA/B2B -->
<!ELEMENT MortgageInsuranceOriginalAppraisalAmount (#PCDATA)>

<!ELEMENT MortgageInsuranceQualifyingAssetsAmount (#PCDATA)>

<!ELEMENT MortgageInsuranceQualifyingIncomeAmount (#PCDATA)>
<!-- FHAVA/B2B -->
<!ELEMENT MortgageInsuranceTotalLiability (#PCDATA)>
<!-- FHAVA/B2B -->
<!ELEMENT MortgageInsuranceTerminationType (#PCDATA)>
<!-- FHAVA/B2B -->
<!ELEMENT MortgageInsuranceTerminationEffectiveDate (#PCDATA)>
<!-- FHAVA/B2B -->
<!ELEMENT MortgageInsurancePremiumMaturationDate (#PCDATA)>

<!ELEMENT MortgageInsuranceTotalQualifyingLiabilityPaymentAmount (#PCDATA)>

<!ELEMENT MortgageInsuranceTransactionIdentifier (#PCDATA)>

<!ELEMENT MortgageInsuranceAutomatedUnderwritingSystemName (#PCDATA)>

<!ELEMENT MortgageInsuranceAutomatedUnderwritingSystemResultDescription (#PCDATA)>

<!ELEMENT MortgageInsuranceFirstMortgageBeingRefinancedAmount (#PCDATA)>

<!ELEMENT MortgageInsuranceLenderIdentifier (#PCDATA)>

<!ELEMENT MortgageInsuranceLenderSpecialProgramType (#PCDATA)>

<!ELEMENT MortgageInsuranceSpecialPricingType (#PCDATA)>
<!ELEMENT MORTGAGEINSURANCERENEWALS (
  MortgageInsuranceRenewalPremiumRate?,
  MortgageInsuranceRenewalPremiumRateDurationMonths?)>
<!ATTLIST MORTGAGEINSURANCERENEWALS
  MORTGAGEINSURANCERENEWALSID ID #IMPLIED
  MortgageInsuranceRenewalsSequence
    (Fifth |
     First |
     Fourth |
     Second |
     Third) #IMPLIED>

<!ELEMENT MortgageInsuranceRenewalPremiumRate (#PCDATA)>

<!ELEMENT MortgageInsuranceRenewalPremiumRateDurationMonths (#PCDATA)>
<!ELEMENT MORTGAGEINSURANCERESPONSE (
  MortgageInsuranceBillingFrequencyMonths?,
  MortgageInsuranceCertificateDate?,
  MortgageInsuranceCountyPremiumTaxAmount?,
  MortgageInsuranceCountyPremiumTaxPercent?,
  MortgageInsuranceFHAVAnor?,
  MortgageInsuranceFHAVAFirmCommitment?,
  MortgageInsuranceInitialPremiumAmount?,
  MortgageInsuranceInitialPremiumRateDurationMonths?,
  MortgageInsuranceInitialPremiumRatePercent?,
  MortgageInsuranceMunicipalPremiumTaxAmount?,
  MortgageInsuranceMunicipalPremiumTaxPercent?,
  MortgageInsurancePremiumFromClosingAmount?,
  MortgageInsuranceStatePremiumTaxAmount?,
  MortgageInsuranceStatePremiumTaxPercent?,
  MORTGAGEINSURANCERENEWALS*)>
<!ATTLIST MORTGAGEINSURANCERESPONSE
  MORTGAGEINSURANCERESPONSEID ID #IMPLIED
  MortgageInsuranceDecision
    (Approved |
     Conditioned |
     Declined |
     Suspended) #IMPLIED>
<!-- FHAVA/B2B -->
<!ELEMENT MortgageInsuranceCertificateDate (#PCDATA)>
<!-- FHAVA/B2B -->
<!ELEMENT MortgageInsuranceFHAVAFirmCommitment (
    FHAVAFirmCommitmentCodes?,
	FHAVAFirmCommitmentCondCodes?,
	FHAVAFirmCommitmentComment?)>
<!-- FHAVA/B2B -->
<!ELEMENT MortgageInsuranceWarrantyEnrollmentNumber (#PCDATA)>
<!-- FHAVA/B2B -->
<!ELEMENT FHAVAFirmCommitmentCodes (#PCDATA)>
<!-- FHAVA/B2B -->
<!ELEMENT FHAVAFirmCommitmentCondCodes (#PCDATA)>
<!-- FHAVA/B2B -->
<!ELEMENT FHAVAFirmCommitmentComment (#PCDATA)>
<!-- FHAVA/B2B -->
<!ATTLIST FHAVAFirmCommitmentComment FHAVAFirmCommitmentCommentID ID #IMPLIED>
<!-- FHAVA/B2B -->
<!ELEMENT MortgageInsuranceFHAVAnor (
     MortgageInsuranceFHAVAnorMessage?)>
<!ATTLIST MortgageInsuranceFHAVAnor FHAVANorCode CDATA #IMPLIED>
<!-- FHAVA/B2B -->
<!ELEMENT MortgageInsuranceFHAVAnorMessage (#PCDATA)>
<!ATTLIST MortgageInsuranceFHAVAnorMessage MortgageInsuranceFHAVAnorMessageID ID #IMPLIED>

<!ELEMENT MortgageInsuranceBillingFrequencyMonths (#PCDATA)>

<!ELEMENT MortgageInsuranceCountyPremiumTaxAmount (#PCDATA)>

<!ELEMENT MortgageInsuranceCountyPremiumTaxPercent (#PCDATA)>

<!ELEMENT MortgageInsuranceInitialPremiumAmount (#PCDATA)>

<!ELEMENT MortgageInsuranceInitialPremiumRateDurationMonths (#PCDATA)>

<!ELEMENT MortgageInsuranceInitialPremiumRatePercent (#PCDATA)>

<!ELEMENT MortgageInsuranceMunicipalPremiumTaxAmount (#PCDATA)>

<!ELEMENT MortgageInsuranceMunicipalPremiumTaxPercent (#PCDATA)>

<!ELEMENT MortgageInsurancePremiumFromClosingAmount (#PCDATA)>

<!ELEMENT MortgageInsuranceStatePremiumTaxAmount (#PCDATA)>

<!ELEMENT MortgageInsuranceStatePremiumTaxPercent (#PCDATA)>
<!ELEMENT OTHERREQUEST (
  RequestOtherActionDescription?,
  RESPONSEPARTY*)>
<!ATTLIST OTHERREQUEST
  OTHERREQUESTID ID #IMPLIED>

<!ELEMENT RequestOtherActionDescription (#PCDATA)>
<!ELEMENT OWNINGBUREAU (
  OwningBureauIdentifier?)>
<!ATTLIST OWNINGBUREAU
  OWNINGBUREAUID ID #IMPLIED
  PARTYIDREF IDREF #IMPLIED>

<!ELEMENT OwningBureauIdentifier (#PCDATA)>
<!ELEMENT PARSEDSTREETNAME (
  HouseNumber?,
  DirectionPrefix?,
  StreetSuffix?,
  StreetName?,
  DirectionSuffix?,
  ApartmentOrUnit?,
  MilitaryAPOFPOAddress?,
  PostOfficeBox?,
  RuralRoute?)>
<!ATTLIST PARSEDSTREETNAME
  PARSEDSTREETNAMEID ID #IMPLIED>

<!ELEMENT StreetSuffix (#PCDATA)>

<!ELEMENT HouseNumber (#PCDATA)>

<!ELEMENT DirectionPrefix (#PCDATA)>

<!ELEMENT StreetName (#PCDATA)>

<!ELEMENT DirectionSuffix (#PCDATA)>

<!ELEMENT ApartmentOrUnit (#PCDATA)>

<!ELEMENT MilitaryAPOFPOAddress (#PCDATA)>

<!ELEMENT PostOfficeBox (#PCDATA)>

<!ELEMENT RuralRoute (#PCDATA)>
<!ELEMENT PARTY (
  Alias?,
  PartyName?,
  Address1?,
  Address2?,
  PhoneNumber?,
  City?,
  State?,
  HouseNumber?,
  DirectionPrefix?,
  StreetName?,
  StreetSuffix?,
  DirectionSuffix?,
  ApartmentOrUnit?,
  PostalCode?,
  Country?,
  LicenseType?,
  CONTACTDETAIL*)>
<!ATTLIST PARTY
  PARTYID ID #IMPLIED
  PartyType
    (203KConsultant |
	 Appraiser |
     AssetHolder |
     AuthorizedRepresentative |
     BrokerContact |
     CreditBureau |
     CreditTradeReference |
		 CounselingAgency |
     Employer |
     FulfillmentParty |
     InformationContact |
	 Inspector |
     Interviewer |
     InterviewersEmployer |
     Lender |
     LendersBranch |
     LendersContactPerson |
     LiabilityHolder |
     NotificationContact |
     OwningBureau |
     ReceivingParty |
     RequestingParty |
     ResponseParty |
     SubmittingParty |
     Underwriter) #IMPLIED
    LicenseStatusInformation (Active | Terminated | Sanctioned) #IMPLIED
    LicenseInitialActiveDate (CDATA) #IMPLIED
    LicenseExpirationDate (CDATA) #IMPLIED>

<!ELEMENT PhoneNumber (#PCDATA)>

<!ELEMENT Alias (#PCDATA)>
  <!ATTLIST Alias AliasType (FormerName |Other) #IMPLIED>
  
<!ELEMENT PartyName (#PCDATA)>

<!ELEMENT LicenseType (#PCDATA)>

<!ELEMENT PLEDGEDASSET (
  PledgedAssetCertificateOfDepositAmount?,
  PledgedAssetFinancialArrangementAmount?,
  PledgedAssetLifeInsuranceAmount?,
  PledgedAssetReleaseDate?,
  PledgedAssetSavingsAmount?)>
<!ATTLIST PLEDGEDASSET
  PLEDGEDASSETID ID #IMPLIED
  PledgedAssetContributorType
    (Borrower |
     ThirdParty) #IMPLIED>

<!ELEMENT PledgedAssetCertificateOfDepositAmount (#PCDATA)>

<!ELEMENT PledgedAssetFinancialArrangementAmount (#PCDATA)>

<!ELEMENT PledgedAssetLifeInsuranceAmount (#PCDATA)>

<!ELEMENT PledgedAssetReleaseDate (#PCDATA)>

<!ELEMENT PledgedAssetSavingsAmount (#PCDATA)>
<!ELEMENT POOL (
  PoolAskingPricePercent?,
  PoolCreationDate?,
  PoolExpirationDate?,
  PoolDescription?,
  LOAN*,
  POOLSTATUSHISTORY*)>
<!ATTLIST POOL
  POOLID ID #IMPLIED
  PoolStatusType
    (InNegotiation |
     None |
     Sold) #IMPLIED>

<!ELEMENT PoolAskingPricePercent (#PCDATA)>

<!ELEMENT PoolCreationDate (#PCDATA)>

<!ELEMENT PoolExpirationDate (#PCDATA)>

<!ELEMENT PoolDescription (#PCDATA)>
<!ELEMENT POOLSTATUSHISTORY (
  PoolStatusDate?)>
<!ATTLIST POOLSTATUSHISTORY
  POOLSTATUSHISTORYID ID #IMPLIED
  PoolStatusType
    (InNegotiation |
     None |
     Sold) #IMPLIED>

<!ELEMENT PoolStatusDate (#PCDATA)>
<!ELEMENT PRODUCT (
  ARMIndexCurrentValuePercent?,
  ARMIndexMarginPercent?,
  ARMQualifyingRatePercent?,
  InitialNoteRatePercent?,
  InitialPaymentRatePercent?,
  LoanAmortizationTermMonths?,
  LoanOriginalMaturityTermMonths?,
  NegativeAmortizationLimitPercent?,
  OtherAmortizationTypeDescription?,
  OtherMortgageTypeDescription?,
  ProductDescription?,
  ProductName?)>
<!ATTLIST PRODUCT
  PRODUCTID ID #IMPLIED
  ARMIndexType
    (DailyCertificateOfDepositRate |
     EleventhDistrictCostOfFunds |
     FannieMae60DayRequiredNetYield |
     FannieMaeLIBOR |
     FederalCostOfFunds |
     FreddieMac60DayRequiredNetYield |
     FreddieMacLIBOR |
     LIBOR |
     MonthlyAverageConstantMaturingTreasury |
     NationalAverageContractRateFederalHomeLoanBankBoard |
     NationalMonthlyMedianCostOfFunds |
     OneYearTreasury |
     Other |
     SixMonthTreasuryBill |
     ThreeYearTreasury |
     TreasuryBillDailyValue |
     WallStreetJournalLIBOR |
     WeeklyAverageCertificateOfDepositRate |
     WeeklyAverageConstantMaturingTreasury |
     WeeklyAveragePrimeRate |
     WeeklyAverageSecondaryMarketTreasuryInvestment |
     WeeklyAverageTreasuryAuctionAverageBondDiscount |
     WeeklyTreasuryAuctionAverageInvestment) #IMPLIED
  LoanAmortizationType
    (AdjustableRate |
     Fixed |
     GraduatedPaymentMortgage |
     GrowingEquityMortgage |
     OtherAmortizationType |
     StartUp) #IMPLIED
  MortgageType
    (Conventional |
     FarmersHomeAdministration |
     FHA |
     LocalAgency |
     OtherAgency |
     StateAgency |
     VA) #IMPLIED
  NegativeAmortizationType
    (NoNegativeAmortization |
     PotentialNegativeAmortization |
     ScheduledNegativeAmortization) #IMPLIED
  PaymentFrequencyType
    (Biweekly |
     LumpSum |
     Monthly |
     Other |
     Unknown |
     Weekly |
     Yearly) #IMPLIED
  ProductSourceType
    (FannieMae |
     FreddieMac) #IMPLIED
  ARMConversionOptionIndicator (Y | N) #IMPLIED
  IsAssumableIndicator (Y | N) #IMPLIED
  PrepaymentPenaltyIndicator (Y | N) #IMPLIED
  PrepaymentRestrictionIndicator (Y | N) #IMPLIED
  ARMPAYMENTADJUSTMENTIDREFS IDREFS #IMPLIED
  ARMRATEADJUSTMENTIDREFS IDREFS #IMPLIED>

<!ELEMENT ARMIndexCurrentValuePercent (#PCDATA)>

<!ELEMENT ARMIndexMarginPercent (#PCDATA)>

<!ELEMENT ARMQualifyingRatePercent (#PCDATA)>

<!ELEMENT InitialNoteRatePercent (#PCDATA)>

<!ELEMENT InitialPaymentRatePercent (#PCDATA)>

<!ELEMENT LoanAmortizationTermMonths (#PCDATA)>

<!ELEMENT LoanOriginalMaturityTermMonths (#PCDATA)>

<!ELEMENT NegativeAmortizationLimitPercent (#PCDATA)>

<!ELEMENT OtherAmortizationTypeDescription (#PCDATA)>

<!ELEMENT OtherMortgageTypeDescription (#PCDATA)>

<!ELEMENT ProductDescription (#PCDATA)>

<!ELEMENT ProductName (#PCDATA)>
<!ELEMENT PROJECT (
  FannieMaeProjectCodeIdentifier?,
  ProjectName?,
  ProjectRentedUnitCount?,
  ProjectSoldUnitCount?,
  ProjectTotalUnitCount?)>
<!-- FHAVA/B2B -->
<!ATTLIST PROJECT
  PROJECTID CDATA #IMPLIED
	PUDIndicator (Y|N) #IMPLIED
  FreddieMacProjectCodeType
    (ApprovedFHAVACondominiumProjectOrSpotLoan |
     CompleteControlledHomeownersAssociationLessThanOneYear |
     CompleteControlledHomeownersAssociationOneOrMoreYears |
     UnderDevelopment) #IMPLIED
  FHAVAApprovedCondominiumClassIndicator (
  PUD |
  Subdivision |
  Condominium
  ) #IMPLIED
  FHAVAApprovedCondominiumCooperativePhase CDATA #IMPLIED
  FHAVAApprovedCondominiumCooperativeSpotLot (Y | N) #IMPLIED>

<!ELEMENT FannieMaeProjectCodeIdentifier (#PCDATA)>

<!ELEMENT ProjectName (#PCDATA)>

<!ELEMENT ProjectRentedUnitCount (#PCDATA)>

<!ELEMENT ProjectSoldUnitCount (#PCDATA)>

<!ELEMENT ProjectTotalUnitCount (#PCDATA)>
<!ELEMENT PROPERTY (
  Address1?,
  Address2?,
  City?,
  State?,
  PostalCode?,
  Country?,
  County?,
  CountyCode?,
  DWELLING*,
  PARSEDSTREETNAME?)>
<!-- FHAVA/B2B -->
<!ATTLIST PROPERTY
  PROPERTYID CDATA #IMPLIED
  PropertyCategoryType
    (Attached |
     Church |
     CommercialNonresidential |
     CommercialResidential |
     Detached |
     Farm |
     HighRise |
     LowRise |
     Manufactured |
     MobileHome |
     Modular |
     SiteBuilt |
     Stacked |
     TownhouseRowhouse |
	 Condo |
	 SemiDetached |
	 Row) #IMPLIED
  PriorPropertyDisposition (Y | N) #IMPLIED
  PropertyUsageType
    (Investor |
     PrimaryResidence |
     SecondHome) #IMPLIED
  REOStatusType
    (PendingSaleListedForSale |
     RetainForRental |
     RetainNotForSale |
     Sold) #IMPLIED
  PROJECTIDREF IDREF #IMPLIED
  EXPENSEIDREFS IDREFS #IMPLIED
  INCOMEIDREFS IDREFS #IMPLIED
  VALUATIONSIDREFS CDATA #IMPLIED
  PropertyType
    (REO |
     Subject) #IMPLIED>

<!ELEMENT County (#PCDATA)>
<!ELEMENT PURCHASECREDIT (
  PurchaseCreditAmount?,
  PurchaseCreditDescription?)>
<!ATTLIST PURCHASECREDIT
  PURCHASECREDITID ID #IMPLIED
  PurchaseCreditSourceType
    (BorrowerPaidOutsideOfClosing |
     BuilderDeveloper |
     Employer |
     Lender |
     NonParentRelative |
     Other |
     Parent |
     PropertySeller |
     RealEstateAgent |
     UnrelatedFriend) #IMPLIED
  PurchaseCreditType
    (BuydownFund |
     CommitmentOriginationFee |
     EarnestMoney |
     EmployerAssistedHousing |
     GiftOfEquity |
     LeasePurchaseFund |
     Other |
     PrivateMortgageInsuranceMortgageInsurancePremiumVAFundingFeeRefund |
     RelocationFunds |
     SweatEquity |
     TradeEquity) #IMPLIED>

<!ELEMENT PurchaseCreditAmount (#PCDATA)>

<!ELEMENT PurchaseCreditDescription (#PCDATA)>
<!ELEMENT RECEIVINGPARTY EMPTY>
<!ATTLIST RECEIVINGPARTY
  RECEIVINGPARTYID ID #IMPLIED
  PARTYIDREF IDREF #IMPLIED>
<!ELEMENT REPOSITORYLIABILITY (
  AccountIdentifier?,
  AccountOpenedDate?,
  AccountPaidDate?,
  AccountStatusDate?,
  AccountClosedDate?,
  BalloonPaymentAmount?,
  ChargeOffAmount?,
  CollateralDescription?,
  CreditLimitAmount?,
  CreditorName?,
  HighBalanceAmount?,
  HighCreditAmount?,
  HighestDelinquencyAmount?,
  HighestDelinquencyDate?,
  LastActivityDate?,
  Late30DaysCount?,
  Late60DaysCount?,
  Late90DaysCount?,
  Late120DaysCount?,
  Late150DaysCount?,
  Late180DaysCount?,
  MonthsReviewedCount?,
  MonthlyPaymentAmount?,
  MostRecentDelinquencyAmount?,
  MostRecentDelinquencyDate?,
  OriginalCreditorName?,
  OtherLiabilityTypeDescription?,
  PastDueAmount?,
  PaymentPatternData?,
  PaymentPatternStartDate?,
  ReportedDate?,
  TermMonths?,
  TermsDescription?,
  UnpaidBalanceAmount?,
  CREDITLATEDATES*,
  CREDITCOMMENT*,
  VERIFICATION?)>
<!ATTLIST REPOSITORYLIABILITY
  REPOSITORYLIABILITYID ID #IMPLIED
  AccountOwnershipType
    (AuthorizedUser |
     Comaker |
     Individual |
     JointContractualLiability |
     JointParticipating |
     Maker |
     OnBehalfOf |
     Terminated |
     Undesignated) #IMPLIED
  AccountStatusType
    (Closed |
     Frozen |
     Open |
     Paid |
     Refinanced |
     Transferred) #IMPLIED
  AccountType
    (CreditLine |
     Installment |
     Mortgage |
     Open |
     Revolving) #IMPLIED
  BusinessType
    (Advertising |
     Automotive |
     Banking |
     Clothing |
     CollectionServices |
     Contractors |
     DepartmentAndMailOrder |
     Employment |
     FarmAndGardenSupplies |
     Finance |
     Government |
     Grocery |
     HomeFurnishing |
     Insurance |
     JewelryAndCamera |
     LumberAndHardware |
     MedicalAndHealth |
     MiscellaneousAndPublicRecord |
     OilAndNationalCreditCards |
     PersonalServicesNotMedical |
     RealEstateAndPublicAccommodation |
     SportingGoods |
     UtilitiesAndFuel |
     Wholesale) #IMPLIED
  CreditLoanType
    (Agriculture |
     Airplane |
     ApplianceOrFurniture |
     AttorneyFees |
     AutoLease |
     AutoLoanEquityTransfer |
     Automobile |
     AutoRefinance |
     Boat |
     Business |
     BusinessCreditCard |
     ChargeAccount |
     CheckCreditOrLineOfCredit |
     ChildSupport |
     Collection |
     CollectionAttorney |
     Comaker |
     CombinedCreditPlan |
     CommercialCreditObligation |
     CommercialLineOfCredit |
     CommercialMortgage |
     ConditionalSalesContract |
     Consolidation |
     ConventionalRealEstateMortgage |
     CreditCard |
     CreditLineSecured |
     DebitCard |
     DebtCounselingService |
     DepositRelated |
     Educational |
     Employment |
     FactoringCompanyAccount |
     FamilySupport |
     FarmersHomeAdministrationFHMA |
     FederalConsolidatedLoan |
     FHAComakerNotBorrower |
     FHAHomeImprovement |
     FHARealEstateMortgage |
     FinanceStatement |
     GovernmentBenefit |
     GovernmentEmployeeAdvance |
     GovernmentFeeForService |
     GovernmentFine |
     GovernmentGrant |
     GovernmentMiscellaneousDebt |
     GovernmentOverpayment |
     GovernmentSecuredDirectLoan |
     GovernmentSecuredGuaranteeLoan |
     GovernmentUnsecuredDirectLoan |
     GovernmentUnsecuredGuaranteeLoan |
     HomeEquityLineOfCredit |
     HomeImprovement |
     HouseholdGoods |
     HouseholdGoodsAndOtherCollateralAuto |
     HouseholdGoodsSecured |
     InstallmentLoan |
     InstallmentSalesContract |
     InsuranceClaims |
     Lease |
     LenderPlacedInsurance |
     ManualMortgage |
     MedicalDebt |
     MobileHome |
     Mortgage |
     NoteLoan |
     NoteLoanWithComaker |
     Other |
     PartiallySecured |
     PersonalLoan |
     RealEstateJuniorLiens |
     RealEstateLoanEquityTransfer |
     RealEstateMortgageWithoutOtherCollateral |
     RealEstateSpecificTypeUnknown |
     Recreational |
     RecreationalVehicle |
     Refinance |
     RefundAnticipationLoan |
     RentalAgreement |
     ResidentialLoan |
     ReturnedCheck |
     RevolvingBusinessLines |
     Secured |
     SecuredByCosigner |
     SecuredCreditCard |
     SecuredHomeImprovement |
     SinglePaymentLoan |
     SpouseSupport |
     SummaryOfAccountsWithSameStatus |
     TimeSharedLoan |
     Title1Loan |
     UnknownLoanType |
     Unsecured |
     VeteransAdministrationLoan |
     VeteransAdministrationRealEstateMortgage) #IMPLIED
  CurrentDelinquencyRatingType
    (AsAgreed |
     Collection |
     Foreclosure |
     Late30Days |
     Late60Days |
     Late90Days |
     LateOver120Days |
     NoDataAvailable |
     Repossession |
     TooNew |
     WageEarnerPlan) #IMPLIED
  DataRepositorySourceType
    (Equifax |
     Experian |
     MergedData |
     Other |
     PrenticeHall |
     TransUnion) #IMPLIED
  HighestDelinquencyRatingType
    (AsAgreed |
     Collection |
     Foreclosure |
     Late30Days |
     Late60Days |
     Late90Days |
     LateOver120Days |
     NoDataAvailable |
     Repossession |
     TooNew |
     WageEarnerPlan) #IMPLIED
  MostRecentDelinquencyRatingType
    (AsAgreed |
     Collection |
     Foreclosure |
     Late30Days |
     Late60Days |
     Late90Days |
     LateOver120Days |
     NoDataAvailable |
     Repossession |
     TooNew |
     WageEarnerPlan) #IMPLIED
  TermsCalculatedOrProvidedIndicator
    (Calculated |
     Provided) #IMPLIED
  ConsumerDisputeIndicator (Y | N) #IMPLIED
  DerogatoryDataIndicator (Y | N) #IMPLIED
  ManualUpdateIndicator (Y | N) #IMPLIED
  PARTYIDREF IDREF #IMPLIED
  BORROWERIDREFS IDREFS #IMPLIED
  CREDITFILEVARIATIONIDREFS IDREFS #IMPLIED>

<!ELEMENT REPOSITORYPUBLICRECORD (
  AttorneyName?,
  BankruptcyAssetsAmount?,
  BankruptcyLiabilitiesAmount?,
  CourtName?,
  DefendantName?,
  DispositionDate?,
  DocketIdentifier?,
  FiledDate?,
  LegalObligationAmount?,
  OtherPublicRecordDispositionTypeDescription?,
  OtherPublicRecordTypeDescription?,
  PaidDate?,
  PlaintiffName?,
  ReportedDate?,
  SettledDate?,
  CREDITCOMMENT*,
  VERIFICATION?)>
<!ATTLIST REPOSITORYPUBLICRECORD
  REPOSITORYPUBLICRECORDID ID #IMPLIED
  DataRepositorySourceType
    (Equifax |
     Experian |
     MergedData |
     Other |
     PrenticeHall |
     TransUnion) #IMPLIED
  PaymentFrequencyType
    (Biweekly |
     LumpSum |
     Monthly |
     Other |
     Unknown |
     Weekly |
     Yearly) #IMPLIED
  PublicRecordDispositionType
    (Adjudicated |
     Appealed |
     Cancelled |
     Completed |
     Converted |
     Discharged |
     Dismissed |
     Distributed |
     Filed |
     Granted |
     InvoluntarilyDischarged |
     Nonadjudicated |
     Other |
     Paid |
     PaidNotSatisfied |
     Pending |
     RealEstateSold |
     Released |
     Rescinded |
     Satisfied |
     Settled |
     Unknown |
     Unreleased |
     Unsatisfied |
     Vacated |
     VoluntarilyDischarged |
     Withdrawn) #IMPLIED
  PublicRecordType
    (Annulment |
     Attachment |
     BankruptcyChapter11 |
     BankruptcyChapter12 |
     BankruptcyChapter13 |
     BankruptcyChapter7 |
     BankruptcyChapter7Involuntary |
     BankruptcyChapter7Voluntary |
     BankruptcyTypeUnknown |
     Collection |
     CustodyAgreement |
     DivorceDecree |
     FicticiousName |
     FinancialCounseling |
     FinancingStatement |
     ForcibleDetainer |
     Foreclosure |
     Garnishment |
     Judgment |
     LawSuit |
     Lien |
     NonResponsibility |
     NoticeOfDefault |
     Other |
     PublicSale |
     RealEstateRecording |
     Repossession |
     SupportDebt |
     TaxLienCity |
     TaxLienCounty |
     TaxLienFederal |
     TaxLienOther |
     TaxLienState |
     Trusteeship |
     Unknown |
     UnlawfulDetainer) #IMPLIED
  ConsumerDisputeIndicator (Y | N) #IMPLIED
  DerogatoryDataIndicator (Y | N) #IMPLIED
  ManualUpdateIndicator (Y | N) #IMPLIED
  BORROWERIDREFS IDREFS #IMPLIED
  CREDITFILEVARIATIONIDREFS IDREFS #IMPLIED>

<!ELEMENT REQUEST (
  InternalAccountIdentifier?,
  OtherRequestTypeDescription?,
  RECEIVINGPARTY?,
  FULFILLMENTPARTY?,
  KEY*,
  OTHERREQUEST?)>
<!ATTLIST REQUEST
  REQUESTID ID #IMPLIED
  RequestType
    (Credit |
     Escrow |
     Flood |
     OtherRequest |
     Tax |
     Title |
     Valuation) #IMPLIED
  CREDITREQUESTIDREF IDREF #IMPLIED
  FLOODREQUESTIDREF IDREF #IMPLIED
  TITLEREQUESTIDREF IDREF #IMPLIED
  UNDERWRITINGCASEIDREF IDREF #IMPLIED
  VALUATIONREQUESTIDREF IDREF #IMPLIED>

<!ELEMENT InternalAccountIdentifier (#PCDATA)>

<!ELEMENT OtherRequestTypeDescription (#PCDATA)>
<!ELEMENT REQUESTGROUP (
  REQUESTINGPARTY?,
  SUBMITTINGPARTY?,
  RequestDateTime?,
  REQUEST*)>
<!ATTLIST REQUESTGROUP
  REQUESTGROUPID ID #IMPLIED>

<!ELEMENT RequestDateTime (#PCDATA)>
<!ELEMENT REQUESTINGPARTY EMPTY>
<!ATTLIST REQUESTINGPARTY
  REQUESTINGPARTYID ID #IMPLIED
  PARTYIDREF IDREF #IMPLIED>
<!ELEMENT RESPONSE (
  RESPONSEPARTY?,
  RECEIVINGPARTY*,
  KEY*,
  ResponseDateTime?)>
<!ATTLIST RESPONSE
  RESPONSEID ID #IMPLIED>

<!ELEMENT ResponseDateTime (#PCDATA)>
<!ELEMENT RESPONSEPARTY (
  OtherResponseMethodTypeDescription?,
  OtherResponseFormatTypeDescription?,
  ResponseDestinationDescription?)>
<!ATTLIST RESPONSEPARTY
  RESPONSEPARTYID ID #IMPLIED
  ResponseFormatType
    (Other |
     PCL |
     PDF |
     Text |
     XML) #IMPLIED
  ResponseMethodType
    (Fax |
     File |
     FTP |
     HTTP |
     HTTPS |
     Mail |
     MessageQueue |
     Other |
     SMTP |
     VAN) #IMPLIED
  PARTYIDREF IDREF #IMPLIED>

<!ELEMENT OtherResponseMethodTypeDescription (#PCDATA)>

<!ELEMENT OtherResponseFormatTypeDescription (#PCDATA)>

<!ELEMENT ResponseDestinationDescription (#PCDATA)>
<!ELEMENT SUBJECTPROPERTY (
  CountyCode?,
  FinancedNumberOfUnits?,
  LotAcquiredYear?,
  LotPhysicalDescription?,
  PropertyAcquiredYear?,
	StructureAge?,
  StructureBuiltYear?,
  SubjectPropertyAppraisedValueAmount?,
  SubjectPropertyEstimatedValueAmount?,
  SubjectPropertyLeaseholdExpirationDate?,
  SubjectPropertyLongLegalDescription?,
  SubjectPropertyOriginalCostAmount?,
  SubjectPropertyShortLegalDescription?,
  SubjectPropertyShortLegalDescriptionBlk?,
  SubjectPropertyShortLegalDescriptionPlt?,
  SubjectPropertyShortLegalDescriptionLot?,
  IMPROVEMENT*,
  GEOGRAPHICREGION*)>
<!ATTLIST SUBJECTPROPERTY
  SUBJECTPROPERTYID ID #IMPLIED
  PropertyOwnershipType
    (Condominium |
     CondominiumHotel |
     Cooperative) #IMPLIED
  PropertyRightsType
    (FeeSimple |
     Leasehold |
     Unassigned) #IMPLIED
  EnergyEfficientHomeIndicator (Y | N) #IMPLIED
  UnitResaleIndicator (Y | N) #IMPLIED
  PROPERTYIDREF IDREF #IMPLIED>

<!ELEMENT CountyCode (#PCDATA)>

<!ELEMENT FinancedNumberOfUnits (#PCDATA)>

<!ELEMENT LotAcquiredYear (#PCDATA)>
<!-- FHAVA/B2B -->
<!ELEMENT LotPhysicalDescription EMPTY>
<!ATTLIST LotPhysicalDescription 
  PropertyAcreage CDATA #IMPLIED
  PropertySquareFootage CDATA #IMPLIED>
  
<!ELEMENT PropertyAcquiredYear (#PCDATA)>

<!ELEMENT StructureAge (#PCDATA)>

<!ELEMENT StructureBuiltYear (#PCDATA)>

<!ELEMENT SubjectPropertyAppraisedValueAmount (#PCDATA)>

<!ELEMENT SubjectPropertyEstimatedValueAmount (#PCDATA)>

<!ELEMENT SubjectPropertyLeaseholdExpirationDate (#PCDATA)>

<!ELEMENT SubjectPropertyLongLegalDescription (#PCDATA)>
<!-- FHAVA -->
<!ELEMENT SubjectPropertyShortLegalDescriptionBlk (#PCDATA)>
<!-- FHAVA -->
<!ELEMENT SubjectPropertyShortLegalDescriptionPlt (#PCDATA)>
<!-- FHAVA -->
<!ELEMENT SubjectPropertyShortLegalDescriptionLot (#PCDATA)>

<!ELEMENT SubjectPropertyOriginalCostAmount (#PCDATA)>

<!ELEMENT SubjectPropertyShortLegalDescription (#PCDATA)>
<!ELEMENT SUBMITTINGPARTY EMPTY>
<!ATTLIST SUBMITTINGPARTY
  SUBMITTINGPARTYID ID #IMPLIED
  PARTYIDREF IDREF #IMPLIED>
<!ELEMENT TITLEREQUEST (
  RESPONSEPARTY?)>
<!ATTLIST TITLEREQUEST
  TITLEREQUESTID ID #IMPLIED
  TitleProductDescription
    (TBD) #IMPLIED>
<!ELEMENT UNDERWRITINGCASE (
  LOAN_OFFICER*,
  LOAN_ORIGINATOR*,
  FannieMaeAffordableProgramIdentifier?,
  FannieMaeProductPlanIdentifier?,
  GiftFundTotalAmount?,
  LenderRegistrationIdentifier?,
  LoanOriginationSystemLoanIdentifier?,
  LoanProspectorKeyIdentifier?,
  LoanScheduledClosingDate?,
  MonthThirteenPITIAmount?,
  MORNETPlusCasefileIdentifier?,
  SalesConcessionAmount?,
  ScheduledFirstPaymentDate?,
  FHAVA?,
  PLEDGEDASSET*)>
<!ATTLIST UNDERWRITINGCASE
  UNDERWRITINGCASEID CDATA #IMPLIED
  CaseStateType
    (Application |
     FinalDisposition |
     PostClosingQualityControl |
     Prequalification |
     Underwriting) #IMPLIED
  ConstructionLoanTreatmentType
    (Purchase |
     Refinance) #IMPLIED
     CounselingAgencyID CDATA #IMPLIED
  CounselingConfirmationType
    (AmericanHomeownerEducationInstituteApprovedCounseling |
     LenderTrainedCounseling |
     NoBorrowerCounseling |
     ThirdPartyCounseling) #IMPLIED
  CurrentFirstMortgageHolderType
    (FannieMae |
     FreddieMac |
     OtherInvestor |
     Unknown) #IMPLIED
  FreddieMacAffordableProgramType
    (AffordableGold97 |
     AffordableGoldFive |
     AffordableGoldThreeTwo |
     NotAffordableProduct |
     SpeciallyNegotiatedAffordable97 |
     SpeciallyNegotiatedAffordableFive |
     SpeciallyNegotiatedAffordableThreeTwo) #IMPLIED
  FreddieMacOfferingType
    (Alt97) #IMPLIED
  FreddieMacRefinanceLoanType
    (FHACreditQualifyingRefinance |
     FreddieMacOwnedStreamlinedRefinance |
     GeneralStreamlinedRefinance) #IMPLIED
  FreddieMacSecondaryFinancingType
    (Hard |
     NoSecondaryFinancing |
     Soft |
     VerySoft) #IMPLIED
  LienPriorityType
    (FirstLien |
     FourthLien |
     Other |
     SecondLien |
     ThirdLien) #IMPLIED
  LoanDocumentationType
    (FullDocumentation |
     NoDepositVerification |
     NoDepositVerificationEmploymentVerificationOrIncomeVerification |
     NoDocumentation |
     NoEmploymentVerificationOrVerificationOfIncome) #IMPLIED
  LoanSourceType
    (Broker |
     Correspondent |
     RetailOrigination) #IMPLIED
  RelocationNewEmployerType
    (CurrentEmployer |
     NewEmployer) #IMPLIED
  ArmsLengthIndicator (Y | N) #IMPLIED
  BelowMarketSubordinateFinancingProvidedIndicator (Y | N) #IMPLIED
  FreddieMacCashOutRefinanceIndicator (Y | N) #IMPLIED
  SecondaryFinancingRefinanceIndicator (Y | N) #IMPLIED>

<!ELEMENT LOAN_OFFICER (#EMPTY)>
<!ATTLIST LOAN_OFFICER 
	_NationwideMortgageLicensingSystem CDATA #IMPLIED
	_FirstName CDATA #IMPLIED
	_MiddleInitial CDATA #IMPLIED
	_LastName CDATA #IMPLIED
	_Suffix CDATA #IMPLIED>

<!ELEMENT LOAN_ORIGINATOR (#EMPTY)>
<!ATTLIST LOAN_ORIGINATOR
	_EmployerIdentificationNumber CDATA #IMPLIED>

<!ELEMENT FannieMaeAffordableProgramIdentifier (#PCDATA)>

<!ELEMENT FannieMaeProductPlanIdentifier (#PCDATA)>

<!ELEMENT GiftFundTotalAmount (#PCDATA)>

<!ELEMENT LenderRegistrationIdentifier (#PCDATA)>

<!ELEMENT LoanOriginationSystemLoanIdentifier (#PCDATA)>

<!ELEMENT LoanProspectorKeyIdentifier (#PCDATA)>

<!ELEMENT LoanScheduledClosingDate (#PCDATA)>

<!ELEMENT MonthThirteenPITIAmount (#PCDATA)>

<!ELEMENT MORNETPlusCasefileIdentifier (#PCDATA)>

<!ELEMENT SalesConcessionAmount (#PCDATA)>

<!ELEMENT ScheduledFirstPaymentDate (#PCDATA)>
<!ELEMENT VALUATIONREQUEST (
  ValuationProduct?)>
<!ATTLIST VALUATIONREQUEST
  VALUATIONREQUESTID ID #IMPLIED>

<!ELEMENT ValuationProduct (#PCDATA)>

<!-- FHAVA/B2B
 Added:
 InspectionType
 InspectorLicenseIdentifier
-->
<!ELEMENT VALUATIONS (
  AppraisalEffectiveDate?,
  AppraisalUpdateDate?,
  AppraisalReceivedDate?,
  InspectionType?,
  InspectionDate?,
  InspectionResults?,
  InspectorLicenseIdentifier?,
  ComparableProximity?,
  ComparableNetAdjustmentAmount?,
  ComparablePropertyUnadjustedSalesPriceAmount?,
  LocalAssessmentValue?,
  NeighborhoodDemographicConditions?)>
<!ATTLIST VALUATIONS
  VALUATIONSID CDATA #IMPLIED
  AppraisalMethodType
    (AutomatedValuationMethod |
     BrokersPriceOpinion |
     DriveBy |
     FullAppraisal) #IMPLIED
  AppraisalPropertyConditionType
    (AsIs |
     SubjectToCompletionPerPlansAndSpecifications |
     SubjectToRepairsAlterationsInspectionsOrConditions) #IMPLIED
  BuildingStatusType
    (Existing |
     Proposed |
     NewConstruction |
     SubjectToAlterationImprovementRepairAndRehabilitation |
     SubstantiallyRehabilitated |
     UnderConstruction) #IMPLIED
  FHAVAAppraisalFormType CDATA #IMPLIED
  ComparablePropertiesExistIndicator (Y | N) #IMPLIED
  SolarHeatingPresent (Y | N) #IMPLIED>

<!ELEMENT AppraisalEffectiveDate (#PCDATA)>
<!ATTLIST AppraisalEffectiveDate
	_Certify (Yes) #IMPLIED>

<!ELEMENT AppraisalUpdateDate (#PCDATA)>
<!ATTLIST AppraisalUpdateDate
	_Certify (Yes) #IMPLIED>

<!ELEMENT AppraisalReceivedDate (#PCDATA)>

<!-- FHAVA/B2B -->
<!ELEMENT InspectionDate (#PCDATA)>
<!-- FHAVA/B2B -->
<!ELEMENT InspectionType (#PCDATA)>
<!-- FHAVA/B2B -->
<!ELEMENT InspectionResults EMPTY>
<!ATTLIST InspectionResults
	LocationHazards CDATA #IMPLIED
	SoilContamination CDATA #IMPLIED
	GradingDrainageProblems CDATA #IMPLIED
	WellIndividualWaterSupplySepticProblems CDATA #IMPLIED
	WoodDestroyingInsects CDATA #IMPLIED
	PrivateRoadAccessMaintenanceProblems CDATA #IMPLIED
	StructuralDeficiencies CDATA #IMPLIED
	FoundationDeficiencies CDATA #IMPLIED
	RoofingDeficiencies CDATA #IMPLIED
	MechanicalSystemsProblems CDATA #IMPLIED
	GeneralHealthSafetyDeficiencies CDATA #IMPLIED
	DeterioratingPaint CDATA #IMPLIED>

<!-- FHAVA/B2B -->
<!ELEMENT InspectorLicenseIdentifier (#PCDATA)>

<!ELEMENT ComparableNetAdjustmentAmount (#PCDATA)>
<!ATTLIST ComparableNetAdjustmentAmount TotalAdjustments CDATA #IMPLIED>
<!-- FHAVA/B2B -->
<!ELEMENT LocalAssessmentValue (#PCDATA)>
<!-- FHAVA/B2B -->
<!ELEMENT NeighborhoodDemographicConditions EMPTY>
<!ATTLIST NeighborhoodDemographicConditions
     PercentOwnerOccupied CDATA #IMPLIED
     AverageDwellingPrice CDATA #IMPLIED
     PercentSingleFamily CDATA #IMPLIED
     PercentTwoFourFamily CDATA #IMPLIED
     PercentMultiFamily CDATA #IMPLIED
     PercentCommercial CDATA #IMPLIED>

<!-- FHAVA/B2B -->
<!ELEMENT ComparableProximity EMPTY>
<!ATTLIST ComparableProximity
	Subject 
    (AcrossStreet |
	 AdjacentProperty |
	 Behind |
	 NextDoor |
	 Blocks |
	 Feet |
	 Miles) #IMPLIED
	 Units CDATA #IMPLIED>

<!ELEMENT ComparablePropertyUnadjustedSalesPriceAmount (#PCDATA)>
<!ELEMENT VARIATIONTYPE EMPTY>
<!ATTLIST VARIATIONTYPE
  VARIATIONTYPEID ID #IMPLIED
  VariationIndicator
    (DifferentAddress |
     DifferentBirthDate |
     DifferentGeneration |
     DifferentLastName |
     DifferentName |
     DifferentSSN) #IMPLIED>
<!ELEMENT VERIFICATION (
  VerifiedByName?,
  VerifiedDate?,
  Comment?)>
<!ATTLIST VERIFICATION
  VERIFICATIONID ID #IMPLIED
  VerificationStatusType
    (NotVerified |
     ToBeVerified |
     Verified) #IMPLIED
  VerificationType
    (Asset |
     CreditInquiry |
     Employment |
     Liability |
     PublicRecord) #IMPLIED>

<!ELEMENT VerifiedByName (#PCDATA)>

<!ELEMENT VerifiedDate (#PCDATA)>

<!ELEMENT PROCESSSTATUS (
	BorrowerValidationIndicator?,
	CurrentPage?,
	LastActionTaken?,
	LastActionTakenDate?,
	ProcessStatusCode?,
	ProcessStatusMessage?,
	ProcessStatusRequestor?,
	ProcessStatusSequenceNumber?,
	ProcessStatusFlag*,
	PropertyAddressValidationIndicator?,
	SecondAppraisalRequired?,
	UserStatusMessage?,
	UserAuthorizationAccessID?,
	UserAuthorizationPassword?,
	UserAuthorizationNewPassword?,
	QuantityComparablePropertiesEntered?,
	MultipleBorrowerIndicator?)>

<!ELEMENT BorrowerValidationIndicator (#PCDATA)>

<!ELEMENT CurrentPage (#PCDATA)>

<!ELEMENT LastActionTaken (#PCDATA)>

<!ELEMENT LastActionTakenDate (#PCDATA)>

<!ELEMENT ProcessStatusCode (#PCDATA)>

<!ELEMENT ProcessStatusMessage (#PCDATA)>
<!ATTLIST ProcessStatusMessage sCode CDATA #IMPLIED>

<!ELEMENT QuantityComparablePropertiesEntered (#PCDATA)>

<!ELEMENT UserStatusMessage (#PCDATA)>

<!ATTLIST UserStatusMessage sCode CDATA #IMPLIED>

<!ELEMENT UserAuthorizationAccessID (#PCDATA)>

<!ELEMENT UserAuthorizationPassword (#PCDATA)>

<!ELEMENT UserAuthorizationNewPassword (#PCDATA)>

<!ELEMENT ProcessStatusRequestor (#PCDATA)>

<!ELEMENT ProcessStatusSequenceNumber (#PCDATA)>

<!ELEMENT ProcessStatusFlag EMPTY>
<!ATTLIST ProcessStatusFlag
	  ProcessStatusFlagName CDATA #IMPLIED
	  ProcessStatusFlagValue CDATA #IMPLIED>

<!ELEMENT PropertyAddressValidationIndicator (#PCDATA)>

<!ELEMENT SecondAppraisalRequired (#PCDATA)>

<!ELEMENT MultipleBorrowerIndicator (#PCDATA)>