Mortgage Loan Summary in ESG data model

Traits

Traits for this entity are listed here.

is.CDM.entityVersion

ParameterValueData typeExplanation
versionNumber"4.3"stringsemantic version number of the entity

is.localized.describedAs
Holds the list of language specific descriptive text for an object.

ParameterValueData typeExplanation
localizedDisplayText
languageTagdisplayText
enBase entity from which all ESG Data Model entities are derived.
enA legal document that pledges property to a creditor for the repayment of the loan, and is the term used to describe the loan itself.

Some states use the term First Trust Deeds to refer to mortgage loans.

entitya reference to the constant entity holding the list of localized text

is.identifiedBy
names a specific identity attribute to use with an entity

ParameterValueData typeExplanation
attributeMortgageLoanSummary/(resolvedAttributes)/MortgageLoanAccountNumberattribute

minimumObjectModelVersion
Minimum version of the object model required to fully understand the data schema used.

ParameterValueData typeExplanation
versionNumber"1.2.3"string

is.IDM.modelVersion
Semantic version number of the IDM.

ParameterValueData typeExplanation
versionNumber"2.0.0"string

has.schemaObjectIdentifier
The schema object has an identifier, which is a string, specified as the parameter of the trait. It allows writers to define more identification values.

ParameterValueData typeExplanation
identifier"{9958EFCF-EA2E-4010-AA7E-453AF059E3AF}"stringThe identifier for the schema object. There's no uniqueness guarantee enforced by CDM. It's a contract between reader and writer of the schema.

is.nativeTo.businessArea
The name of the business area from which the entity originates.

ParameterValueData typeExplanation
name"Customer Credit & Collections"string

is.localized.displayedAs
Holds the list of language specific display text for an object.

ParameterValueData typeExplanation
localizedDisplayText
languageTagdisplayText
enMortgage Loan Summary
entitya reference to the constant entity holding the list of localized text

has.entitySchemaAbstractionLevel
A level of abstraction assigned to an Entity schema. Logical schema descriptions use complex dataTypes, inheritance, and entities as attributes. Resolved descriptions contain none of those things, only final trait and attribute sets are shown. A composition schema manipulates, guides, or restates parts of logical schemas to produce one resolved schema.

ParameterValueData typeExplanation
level"resolved"stringPossible values: logical, composition, resolved

Attributes

Name Description First Included in Instance
CreditGrantorId The unique identifier of a Credit Grantor. Sustainability/esg-data-model/MortgageLoanSummary
MortgageLoanAccountNumber The unique identifier of a Customer Account. Sustainability/esg-data-model/MortgageLoanSummary
PropertyLegalDescription A property description, recognized by law that is sufficient to locate and identify the property without oral testimony. Sustainability/esg-data-model/MortgageLoanSummary
MortgageLoanAmount The amount of the mortgage loan. Sustainability/esg-data-model/MortgageLoanSummary
PrincipalAmount The amount owed on a loan, excluding interest. Sustainability/esg-data-model/MortgageLoanSummary
OriginalPrincipalBalanceAmount The total amount of principal owed on a mortgage before any payments are made. Sustainability/esg-data-model/MortgageLoanSummary
LockPeriod The period, expressed in days, during which a lender will guarantee a rate. Sustainability/esg-data-model/MortgageLoanSummary
DownPaymentAmount The part of the purchase price, which the buyer pays in cash and does not finance with a mortgage Sustainability/esg-data-model/MortgageLoanSummary
DepositAmount A sum of money given to bind the sale of real estate, or a sum of money given to ensure payment or an advance of funds in the processing of a loan. Sustainability/esg-data-model/MortgageLoanSummary
FinanceChargeAmount The total dollar amount your loan will cost you. It includes all interest payments for the life of the loan, any interest paid at closing, your origination fee and any other charges paid to the lender or broker. Appraisal, credit report and title search fees aren't included in the finance charge calculation. Sustainability/esg-data-model/MortgageLoanSummary
EarnestMoneyAmount The deposit money given to the seller or his agent by the potential buyer upon the signing of the agreement of sale to show that he is serious about buying the house. If the sale goes through, the earnest money is applied against the down payment. If the sale does not go through, the earnest money will be forfeited or lost unless the binder or offer to purchase expressly provides that it is refundable. Sustainability/esg-data-model/MortgageLoanSummary
AmortizationTerm The amount of time required to amortize the mortgage loan. The amortization term is expressed as a number of months. Sustainability/esg-data-model/MortgageLoanSummary
GracePeriod A time allowed, usually 15 days, for making late payments without a penalty Sustainability/esg-data-model/MortgageLoanSummary
CashOutAmount A loan transaction in which the borrower receives funds at the time of closing. Sustainability/esg-data-model/MortgageLoanSummary
LoanToValueRatio The loan-to-value ratio (LTV) is the original loan amount divided by the lower of the sales price or the appraised value.The relationship between the amount of the mortgage loan and the appraised value of the property expressed as a percentage. A LTV ratio of 90 means that a borrower is borrowing 90% of the value of the property and paying 10% as a down payment. For purchases, the value of the property is assumed to be the purchase price, for refinances the value is determined by an appraisal. Sustainability/esg-data-model/MortgageLoanSummary
SellerProvidedFundsAmount A loan made by the owner of property to the purchaser to cover part or all of the sales price. While common with both residential and commercial real estate, seller financing, or owner financing as it is also called, becomes a very popular means of "making the deal work" when interest rates are high. During such times, the purchaser who is unable to qualify for a loan from a traditional lender often turns to the seller and makes an offer to purchase contingent upon seller financing. Sustainability/esg-data-model/MortgageLoanSummary
SellerProvidedFundsDescription A description of the terms and conditions associated with the seller-provided funds. Sustainability/esg-data-model/MortgageLoanSummary
InitialBorrowerPaymentRate The annual interest rate used to calculate the borrower's initial cash payment. Sustainability/esg-data-model/MortgageLoanSummary
AprBaseInterestRate The actual yearly cost of credit stated to the nearest one-fourth of one percent. Any lender subject to the federal Truth-in-Lending Act must fully disclose the APR to the borrower. Sustainability/esg-data-model/MortgageLoanSummary
PaymentDiscountInterestRate In a payment discount, the lender reduces the first year's interest rate to make the mortgagor more attractive to borrowers. Sustainability/esg-data-model/MortgageLoanSummary
InterestRateCap A provision of an ARM limiting how much interest rates may increase per adjustment period. Sustainability/esg-data-model/MortgageLoanSummary
InterestRateFloor For an adjustable-rate mortgage (ARM), the minimum interest rate, as specified in the mortgage note. Sustainability/esg-data-model/MortgageLoanSummary
InterestAccrualRate The percentage rate at which interest accrues on the mortgage. In most cases, it is also the rate used to calculate the monthly payments, although it is not used for an adjustable-rate mortgage (ARM) with payment change limitations. Sustainability/esg-data-model/MortgageLoanSummary
InitialInterestRate The original interest rate of the mortgage at the time of closing. Sustainability/esg-data-model/MortgageLoanSummary
PeriodicRateCap A limit on the amount that the interest rate can increase or decrease during any one adjustment period, regardless of how high or low the index might be. Sustainability/esg-data-model/MortgageLoanSummary
LifeOfLoanCap The maximum interest rate that can be charged during the life of the loan. Also called Lifetime Cap. This value is often expressed as an increment above the initial loan rate. For example, an adjustable rate loan with an initial rate of 7.25% and a 6% lifetime cap will never adjust above a rate of 13.25% (7.25+6.0). Sustainability/esg-data-model/MortgageLoanSummary
CapEachAdjustmentPeriodPercentageCap A set percentage amount by which an adjustable rate mortgage may adjust each adjustment period. For adjustable loans, caps are usually quoted as two numbers as in 2/6. The first number indicates how much a loan may adjust at each adjustment period while the second number indicates how much a loan may adjust over its lifetime. Loans like the 3/1 and 5/1 adjustable which have an initial fixed period are quoted with 3 numbers as in 3/2/6 which would mean that the first adjustment may be as much as 3%, subsequent adjustments are capped at 2% each, and the lifetime cap is 6%. Two-Step loans are quoted with a single cap, which is the amount by which the loan may adjust at its single adjustment date. Sustainability/esg-data-model/MortgageLoanSummary
CapSubsequentAdjustmentPeriodPercentageCap A set percentage amount by which an adjustable rate mortgage may adjust each adjustment period. For adjustable loans, caps are usually quoted as two numbers as in 2/6. The first number indicates how much a loan may adjust at each adjustment period while the second number indicates how much a loan may adjust over its lifetime. Loans like the 3/1 and 5/1 adjustable which have an initial fixed period are quoted with 3 numbers as in 3/2/6 which would mean that the first adjustment may be as much as 3%, subsequent adjustments are capped at 2% each, and the lifetime cap is 6%. Two-Step loans are quoted with a single cap, which is the amount by which the loan may adjust at its single adjustment date. Sustainability/esg-data-model/MortgageLoanSummary
CapLifetimeAdjustmentPercentage A set percentage amount by which an adjustable rate mortgage may adjust each adjustment period. For adjustable loans, caps are usually quoted as two numbers as in 2/6. The first number indicates how much a loan may adjust at each adjustment period while the second number indicates how much a loan may adjust over its lifetime. Loans like the 3/1 and 5/1 adjustable which have an initial fixed period are quoted with 3 numbers as in 3/2/6 which would mean that the first adjustment may be as much as 3%, subsequent adjustments are capped at 2% each, and the lifetime cap is 6%. Two-Step loans are quoted with a single cap, which is the amount by which the loan may adjust at its single adjustment date. Sustainability/esg-data-model/MortgageLoanSummary
ArmInterestRateCapAmount A provision of an ARM limiting how much the interest rate may increase. Sustainability/esg-data-model/MortgageLoanSummary
ArmLifetimeCap A provision of an ARM that limits the total increase in interest rates over the life of the loan. Sustainability/esg-data-model/MortgageLoanSummary
ArmAdjustmentDate The date on which the interest rate changes for an adjustable-rate mortgage (ARM). Sustainability/esg-data-model/MortgageLoanSummary
ArmMortgagePaymentCapAmount A provision of an ARM limiting how much the mortgage payments may increase. Sustainability/esg-data-model/MortgageLoanSummary
ArmChangeFrequency The frequency (in months) of payment or interest rate changes in an adjustable-rate mortgage (ARM). Sustainability/esg-data-model/MortgageLoanSummary
DelinquentLoanIndicator A loan in which a payment is overdue but not yet in default. Sustainability/esg-data-model/MortgageLoanSummary
CreditLoanIndicator A credit loan is a mortgage that is issued on only the financial strength of a borrower, without great regard for collateral. Sustainability/esg-data-model/MortgageLoanSummary
FirstMortgageIndicator A mortgage that has priority over other mortgages. The mortgage that has first claim in the event of default. Sustainability/esg-data-model/MortgageLoanSummary
SecondMortgageIndicator A mortgage that ranks after a first mortgage in priority. Properties may have two, three, or more mortgages, deeds of trust, or land contracts as liens at the same time. Legal priority determines the designation first, second, third, etc. Sustainability/esg-data-model/MortgageLoanSummary
BalloonLoanIndicator A mortgage with a balloon payment. Sustainability/esg-data-model/MortgageLoanSummary
SecuredLoanIndicator A loan that is backed by collateral. Sustainability/esg-data-model/MortgageLoanSummary
RehabilitationMortgageIndicator A mortgage created to cover the costs of repairing, improving, and sometimes acquiring an existing property. Sustainability/esg-data-model/MortgageLoanSummary
UnsecuredLoanIndicator A loan that is not backed by collateral. Sustainability/esg-data-model/MortgageLoanSummary
ConventionalLoanIndicator A mortgage loan made by an approved lender in which the borrowers ability to repay the debt is not insured by a government agency such as FHA or VA. Normally requires a larger down payment than a government loan. Sustainability/esg-data-model/MortgageLoanSummary
AssumableMortgageIndicator A mortgage that can be taken over by the buyer when the house is sold. Sustainability/esg-data-model/MortgageLoanSummary
IntermediateTermMortgageIndicator A mortgage loan with a stated maturity at the time of purchase that it is equal to or less than 20 years. Sustainability/esg-data-model/MortgageLoanSummary
RollOverLoanIndicator A loan that /includes a call date earlier than its normal amortization period. Sustainability/esg-data-model/MortgageLoanSummary
NoDocLoanIndicator Loans made where the lender does not require verification of income. Interest rates are typically higher on these types of loans. Sustainability/esg-data-model/MortgageLoanSummary
SubprimeMortgageIndicator Mortgages that aren't conforming mortgages and that are typically made to a person with less than perfect credit, income, or property. Sustainability/esg-data-model/MortgageLoanSummary
SecondHomeMortgageIndicator A property that the borrower occupies in addition to his/her principal residence. Rental income from the borrower's second home may not be considered as stable monthly income. Sustainability/esg-data-model/MortgageLoanSummary
InsuredMortgageIndicator A mortgage that is protected by the Federal Housing Administration (FHA) or by private mortgage insurance (MI). If the borrower defaults on the loan, the insurer must pay the lender the lesser of the loss incurred or the insured amount Sustainability/esg-data-model/MortgageLoanSummary
ConformingMortgageIndicator A loan that conforms to the guidelines established by Fannie Mae or Freddie Mac. Sustainability/esg-data-model/MortgageLoanSummary
ConstructionLoanIndicator A short-term loan for funding the cost of construction. The lender advances funds to the builder as the work progresses. Sustainability/esg-data-model/MortgageLoanSummary
HomeEquityConversionMortgageIndicator Home Equity Conversion Mortgage (HECM) - Also known as the reverse annuity mortgage. This mortgage provides that instead of making payments to a lender, the lender makes payments to the individual. Older homeowners are able to convert home equity into cash this way, in the form of monthly payments. Borrowers don't qualify on the basis of income, but on the value of his or her home. Such a loan does not have to be repaid until the borrower no longer occupies the property. Sustainability/esg-data-model/MortgageLoanSummary
ReverseAnnuityMortgageIndicator A system developed for an elderly property owner in which regular monthly payments can be received from a lender. When the total reaches a pre-determined amount, the owner begins repaying the loan or sells the property. Sustainability/esg-data-model/MortgageLoanSummary
EquityLoanIndicator A loan based on the borrower's equity in his or her home. Prior to closing; also, an account held by the lender into which a homeowner pays money for taxes and insurance.(FRM) A mortgage in which the interest rate does not change during the entire term of the loan. Sustainability/esg-data-model/MortgageLoanSummary
GraduatedPaymentMortgageIndicator (GPM) A mortgage where the payments are scheduled to increase, usually annually, for a set number of years, and then level off. GPM can be used with either a fixed or adjustable interest rate, and usually has a 30-year term. Sustainability/esg-data-model/MortgageLoanSummary
GrowingEquityMortgageIndicator (GEM) A fixed rate, graduated payment mortgage with small initial payments that increase each year so that the loan pays off in a shortened term, usually 15 years. Sustainability/esg-data-model/MortgageLoanSummary
FullyAmortizedArmIndicator An adjustable-rate mortgage (ARM) with a monthly payment that is sufficient to amortize the remaining balance, at the interest accrual rate, over the amortization term. Sustainability/esg-data-model/MortgageLoanSummary
FixedRateMortgageIndicator (FRM) A mortgage in which the interest rate does not change during the entire term of the loan. Sustainability/esg-data-model/MortgageLoanSummary
AdjustableMortgageIndicator Any mortgage that does not have a fixed interest rate and a fixed payment for the term of the loan, or does not amortize to zero at the end of the set term, when required payments are made on time. Sustainability/esg-data-model/MortgageLoanSummary
ConvertibleArmIndicator An adjustable-rate mortgage that can be converted to a fixed-rate mortgage under specified conditions. Sustainability/esg-data-model/MortgageLoanSummary
WraparoundMortgageIndicator A method of acquiring more financing on real estate by placing the more funds in a secondary or junior position to the existing debt. As its name implies, a wraparound mortgage 'wraps around' an existing first mortgage. This method of obtaining more capital is often used with commercial property where there is substantial equity in the property and where the existing first mortgage has an attractive low interest rate. By obtaining a wraparound, the borrower receives dollars based on the difference between current market value of the property and the outstanding balance on the first mortgage. The borrower amortizes the wraparound mortgage which now includes the balance of the first mortgage and the wraparound lender forwards the necessary periodic debt service to the holder of the first mortgage. Thus, the borrower reduces the equity and at the same time obtains an interest rate lower than would be possible through a normal second mortgage. The lender receives the leverage resulting from an interest rate on the wraparound greater than the interest paid to the holder of the first mortgage. Sustainability/esg-data-model/MortgageLoanSummary
NoCostLoanIndicator A no-cost loan can either be: 1) a loan that has no "lender costs" associated with it or, 2) a loan that also covers purchases or refinancing costs, which may be incurred in buying a home, obtaining or refinancing a loan, but aren't directly charged by the lender. The interest rate on this type of loan is higher. Sustainability/esg-data-model/MortgageLoanSummary
TwoStepMortgageIndicator A loan where the interest rate is fixed for the first seven years and then is adjusted one time for the balance of the loan period. Sustainability/esg-data-model/MortgageLoanSummary
PropertyId The unique identifier of a Property. Sustainability/esg-data-model/MortgageLoanSummary
MortgageLoanTypeId The unique identifier of a Mortgage Loan Type. Sustainability/esg-data-model/MortgageLoanSummary
CustomerId The unique identifier of a Customer. Sustainability/esg-data-model/MortgageLoanSummary

CreditGrantorId

The unique identifier of a Credit Grantor. First included in: Sustainability/esg-data-model/MortgageLoanSummary (this entity)

Properties

NameValue
displayNameCredit Grantor ID
descriptionThe unique identifier of a Credit Grantor.
isPrimaryKeytrue
dataFormatint32

Traits

List of traits for the CreditGrantorId attribute are listed here.

is.dataFormat.integer
is.identifiedBy
names a specific identity attribute to use with an entity

ParameterValueData typeExplanation
attributeMortgageLoanSummary/(resolvedAttributes)/CreditGrantorIdattribute

is.linkedEntity.identifier
Marks the attributes that hold foreign key references to a linked (used as an attribute) entity. This attribute is added to the resolved entity to enumerate the referenced entities.

ParameterValueData typeExplanation
entityReferences
entityReferenceattributeReference
CreditGrantor.cdm.json/CreditGrantorCreditGrantorId
entitya reference to the constant entity holding the list of entity references

is.localized.displayedAs
Holds the list of language specific display text for an object.

ParameterValueData typeExplanation
localizedDisplayText
languageTagdisplayText
enCredit Grantor ID
entitya reference to the constant entity holding the list of localized text

is.localized.describedAs
Holds the list of language specific descriptive text for an object.

ParameterValueData typeExplanation
localizedDisplayText
languageTagdisplayText
enThe unique identifier of a Credit Grantor.
entitya reference to the constant entity holding the list of localized text

has.schemaObjectIdentifier
The schema object has an identifier, which is a string, specified as the parameter of the trait. It allows writers to define more identification values.

ParameterValueData typeExplanation
identifier"{C97366E3-2D8B-427A-B9B0-A81CD91ED43F}"stringThe identifier for the schema object. There's no uniqueness guarantee enforced by CDM. It's a contract between reader and writer of the schema.

is.dataFormat.integer

MortgageLoanAccountNumber

The unique identifier of a Customer Account. First included in: Sustainability/esg-data-model/MortgageLoanSummary (this entity)

Properties

NameValue
displayNameMortgage Loan Account Number
descriptionThe unique identifier of a Customer Account.
isPrimaryKeytrue
dataFormatstring
maximumLength20

Traits

List of traits for the MortgageLoanAccountNumber attribute are listed here.

is.dataFormat.character
is.dataFormat.big
indicates an atomic but multi-unit version of a fundamental type such as a multi byte encoded character, a double precision float, a long integer.

is.dataFormat.array
indicates a contiguous sequence of fundamental units that should be taken as a whole and considered one value. Array of Character is a String, and Array of Byte is a Binary Object.

is.identifiedBy
names a specific identity attribute to use with an entity

ParameterValueData typeExplanation
attributeMortgageLoanSummary/(resolvedAttributes)/MortgageLoanAccountNumberattribute

has.schemaObjectIdentifier
The schema object has an identifier, which is a string, specified as the parameter of the trait. It allows writers to define more identification values.

ParameterValueData typeExplanation
identifier"{D1CF6BBB-16C7-429E-94BE-5FCDFE21D8C0}"stringThe identifier for the schema object. There's no uniqueness guarantee enforced by CDM. It's a contract between reader and writer of the schema.

is.localized.displayedAs
Holds the list of language specific display text for an object.

ParameterValueData typeExplanation
localizedDisplayText
languageTagdisplayText
enMortgage Loan Account Number
entitya reference to the constant entity holding the list of localized text

is.localized.describedAs
Holds the list of language specific descriptive text for an object.

ParameterValueData typeExplanation
localizedDisplayText
languageTagdisplayText
enThe unique identifier of a Customer Account.
entitya reference to the constant entity holding the list of localized text

is.constrained
maximum length or value constraints

ParameterValueData typeExplanation
maximumLength"20"integer

is.dataFormat.character
is.dataFormat.array
indicates a contiguous sequence of fundamental units that should be taken as a whole and considered one value. Array of Character is a String, and Array of Byte is a Binary Object.

PropertyLegalDescription

A property description, recognized by law that is sufficient to locate and identify the property without oral testimony. First included in: Sustainability/esg-data-model/MortgageLoanSummary (this entity)

Properties

NameValue
displayNameProperty Legal Description
descriptionA property description, recognized by law that is sufficient to locate and identify the property without oral testimony.
dataFormatstring
maximumLength2048
isNullabletrue

Traits

List of traits for the PropertyLegalDescription attribute are listed here.

is.dataFormat.character
is.dataFormat.big
indicates an atomic but multi-unit version of a fundamental type such as a multi byte encoded character, a double precision float, a long integer.

is.dataFormat.array
indicates a contiguous sequence of fundamental units that should be taken as a whole and considered one value. Array of Character is a String, and Array of Byte is a Binary Object.

has.schemaObjectIdentifier
The schema object has an identifier, which is a string, specified as the parameter of the trait. It allows writers to define more identification values.

ParameterValueData typeExplanation
identifier"{7BAD6ADE-A031-41F6-97FF-8C73A27C962E}"stringThe identifier for the schema object. There's no uniqueness guarantee enforced by CDM. It's a contract between reader and writer of the schema.

is.nullable
The attribute value can be set to NULL.

is.localized.displayedAs
Holds the list of language specific display text for an object.

ParameterValueData typeExplanation
localizedDisplayText
languageTagdisplayText
enProperty Legal Description
entitya reference to the constant entity holding the list of localized text

is.localized.describedAs
Holds the list of language specific descriptive text for an object.

ParameterValueData typeExplanation
localizedDisplayText
languageTagdisplayText
enA property description, recognized by law that is sufficient to locate and identify the property without oral testimony.
entitya reference to the constant entity holding the list of localized text

is.constrained
maximum length or value constraints

ParameterValueData typeExplanation
maximumLength"2048"integer

is.dataFormat.character
is.dataFormat.array
indicates a contiguous sequence of fundamental units that should be taken as a whole and considered one value. Array of Character is a String, and Array of Byte is a Binary Object.

MortgageLoanAmount

The amount of the mortgage loan. First included in: Sustainability/esg-data-model/MortgageLoanSummary (this entity)

Properties

NameValue
displayNameMortgage Loan Amount
descriptionThe amount of the mortgage loan.
dataFormatdecimal
isNullabletrue

Traits

List of traits for the MortgageLoanAmount attribute are listed here.

is.dataFormat.numeric.shaped
for setting the exact precision and scale of numeric values

ParameterValueData typeExplanation
precision"18"integerthe total number of significant digits
scale"2"integerthe number of digits to the right of the decimal place

has.schemaObjectIdentifier
The schema object has an identifier, which is a string, specified as the parameter of the trait. It allows writers to define more identification values.

ParameterValueData typeExplanation
identifier"{846C7887-8632-4439-9BA5-7D6DCE65E9A3}"stringThe identifier for the schema object. There's no uniqueness guarantee enforced by CDM. It's a contract between reader and writer of the schema.

is.nullable
The attribute value can be set to NULL.

is.localized.displayedAs
Holds the list of language specific display text for an object.

ParameterValueData typeExplanation
localizedDisplayText
languageTagdisplayText
enMortgage Loan Amount
entitya reference to the constant entity holding the list of localized text

is.localized.describedAs
Holds the list of language specific descriptive text for an object.

ParameterValueData typeExplanation
localizedDisplayText
languageTagdisplayText
enThe amount of the mortgage loan.
entitya reference to the constant entity holding the list of localized text

is.dataFormat.numeric.shaped
for setting the exact precision and scale of numeric values

PrincipalAmount

The amount owed on a loan, excluding interest. First included in: Sustainability/esg-data-model/MortgageLoanSummary (this entity)

Properties

NameValue
displayNamePrincipal Amount
descriptionThe amount owed on a loan, excluding interest.
dataFormatdecimal
isNullabletrue

Traits

List of traits for the PrincipalAmount attribute are listed here.

is.dataFormat.numeric.shaped
for setting the exact precision and scale of numeric values

ParameterValueData typeExplanation
precision"18"integerthe total number of significant digits
scale"2"integerthe number of digits to the right of the decimal place

has.schemaObjectIdentifier
The schema object has an identifier, which is a string, specified as the parameter of the trait. It allows writers to define more identification values.

ParameterValueData typeExplanation
identifier"{37D798F9-1C6E-4F66-B440-13624214E625}"stringThe identifier for the schema object. There's no uniqueness guarantee enforced by CDM. It's a contract between reader and writer of the schema.

is.nullable
The attribute value can be set to NULL.

is.localized.displayedAs
Holds the list of language specific display text for an object.

ParameterValueData typeExplanation
localizedDisplayText
languageTagdisplayText
enPrincipal Amount
entitya reference to the constant entity holding the list of localized text

is.localized.describedAs
Holds the list of language specific descriptive text for an object.

ParameterValueData typeExplanation
localizedDisplayText
languageTagdisplayText
enThe amount owed on a loan, excluding interest.
entitya reference to the constant entity holding the list of localized text

is.dataFormat.numeric.shaped
for setting the exact precision and scale of numeric values

OriginalPrincipalBalanceAmount

The total amount of principal owed on a mortgage before any payments are made. First included in: Sustainability/esg-data-model/MortgageLoanSummary (this entity)

Properties

NameValue
displayNameOriginal Principal Balance Amount
descriptionThe total amount of principal owed on a mortgage before any payments are made.
dataFormatdecimal
isNullabletrue

Traits

List of traits for the OriginalPrincipalBalanceAmount attribute are listed here.

is.dataFormat.numeric.shaped
for setting the exact precision and scale of numeric values

ParameterValueData typeExplanation
precision"18"integerthe total number of significant digits
scale"2"integerthe number of digits to the right of the decimal place

has.schemaObjectIdentifier
The schema object has an identifier, which is a string, specified as the parameter of the trait. It allows writers to define more identification values.

ParameterValueData typeExplanation
identifier"{AAE2935E-F4F5-4653-B0A9-8288CCABA224}"stringThe identifier for the schema object. There's no uniqueness guarantee enforced by CDM. It's a contract between reader and writer of the schema.

is.nullable
The attribute value can be set to NULL.

is.localized.displayedAs
Holds the list of language specific display text for an object.

ParameterValueData typeExplanation
localizedDisplayText
languageTagdisplayText
enOriginal Principal Balance Amount
entitya reference to the constant entity holding the list of localized text

is.localized.describedAs
Holds the list of language specific descriptive text for an object.

ParameterValueData typeExplanation
localizedDisplayText
languageTagdisplayText
enThe total amount of principal owed on a mortgage before any payments are made.
entitya reference to the constant entity holding the list of localized text

is.dataFormat.numeric.shaped
for setting the exact precision and scale of numeric values

LockPeriod

The period, expressed in days, during which a lender will guarantee a rate. First included in: Sustainability/esg-data-model/MortgageLoanSummary (this entity)

Properties

NameValue
displayNameLock Period
descriptionThe period, expressed in days, during which a lender will guarantee a rate.
dataFormatint32
isNullabletrue

Traits

List of traits for the LockPeriod attribute are listed here.

is.dataFormat.integer
has.schemaObjectIdentifier
The schema object has an identifier, which is a string, specified as the parameter of the trait. It allows writers to define more identification values.

ParameterValueData typeExplanation
identifier"{2DA31AE9-7D95-4FD6-BA83-5E678FF4657E}"stringThe identifier for the schema object. There's no uniqueness guarantee enforced by CDM. It's a contract between reader and writer of the schema.

is.nullable
The attribute value can be set to NULL.

is.localized.displayedAs
Holds the list of language specific display text for an object.

ParameterValueData typeExplanation
localizedDisplayText
languageTagdisplayText
enLock Period
entitya reference to the constant entity holding the list of localized text

is.localized.describedAs
Holds the list of language specific descriptive text for an object.

ParameterValueData typeExplanation
localizedDisplayText
languageTagdisplayText
enThe period, expressed in days, during which a lender will guarantee a rate.
entitya reference to the constant entity holding the list of localized text

is.dataFormat.integer

DownPaymentAmount

The part of the purchase price, which the buyer pays in cash and does not finance with a mortgage
First included in: Sustainability/esg-data-model/MortgageLoanSummary (this entity)

Properties

NameValue
displayNameDown Payment Amount
descriptionThe part of the purchase price, which the buyer pays in cash and does not finance with a mortgage
dataFormatdecimal
isNullabletrue

Traits

List of traits for the DownPaymentAmount attribute are listed here.

is.dataFormat.numeric.shaped
for setting the exact precision and scale of numeric values

ParameterValueData typeExplanation
precision"18"integerthe total number of significant digits
scale"2"integerthe number of digits to the right of the decimal place

has.schemaObjectIdentifier
The schema object has an identifier, which is a string, specified as the parameter of the trait. It allows writers to define more identification values.

ParameterValueData typeExplanation
identifier"{E45515E5-648B-4DF4-A049-EA2D32D7792F}"stringThe identifier for the schema object. There's no uniqueness guarantee enforced by CDM. It's a contract between reader and writer of the schema.

is.nullable
The attribute value can be set to NULL.

is.localized.displayedAs
Holds the list of language specific display text for an object.

ParameterValueData typeExplanation
localizedDisplayText
languageTagdisplayText
enDown Payment Amount
entitya reference to the constant entity holding the list of localized text

is.localized.describedAs
Holds the list of language specific descriptive text for an object.

ParameterValueData typeExplanation
localizedDisplayText
languageTagdisplayText
enThe part of the purchase price, which the buyer pays in cash and does not finance with a mortgage
entitya reference to the constant entity holding the list of localized text

is.dataFormat.numeric.shaped
for setting the exact precision and scale of numeric values

DepositAmount

A sum of money given to bind the sale of real estate, or a sum of money given to ensure payment or an advance of funds in the processing of a loan. First included in: Sustainability/esg-data-model/MortgageLoanSummary (this entity)

Properties

NameValue
displayNameDeposit Amount
descriptionA sum of money given to bind the sale of real estate, or a sum of money given to ensure payment or an advance of funds in the processing of a loan.
dataFormatdecimal
isNullabletrue

Traits

List of traits for the DepositAmount attribute are listed here.

is.dataFormat.numeric.shaped
for setting the exact precision and scale of numeric values

ParameterValueData typeExplanation
precision"18"integerthe total number of significant digits
scale"2"integerthe number of digits to the right of the decimal place

has.schemaObjectIdentifier
The schema object has an identifier, which is a string, specified as the parameter of the trait. It allows writers to define more identification values.

ParameterValueData typeExplanation
identifier"{42F8E78A-41F0-4ACB-83CC-7E17BCAAEAF9}"stringThe identifier for the schema object. There's no uniqueness guarantee enforced by CDM. It's a contract between reader and writer of the schema.

is.nullable
The attribute value can be set to NULL.

is.localized.displayedAs
Holds the list of language specific display text for an object.

ParameterValueData typeExplanation
localizedDisplayText
languageTagdisplayText
enDeposit Amount
entitya reference to the constant entity holding the list of localized text

is.localized.describedAs
Holds the list of language specific descriptive text for an object.

ParameterValueData typeExplanation
localizedDisplayText
languageTagdisplayText
enA sum of money given to bind the sale of real estate, or a sum of money given to ensure payment or an advance of funds in the processing of a loan.
entitya reference to the constant entity holding the list of localized text

is.dataFormat.numeric.shaped
for setting the exact precision and scale of numeric values

FinanceChargeAmount

The total dollar amount your loan will cost you. It includes all interest payments for the life of the loan, any interest paid at closing, your origination fee and any other charges paid to the lender or broker. Appraisal, credit report and title search fees aren't included in the finance charge calculation. First included in: Sustainability/esg-data-model/MortgageLoanSummary (this entity)

Properties

NameValue
displayNameFinance Charge Amount
descriptionThe total dollar amount your loan will cost you. It includes all interest payments for the life of the loan, any interest paid at closing, your origination fee and any other charges paid to the lender or broker. Appraisal, credit report and title search fees aren't included in the finance charge calculation.
dataFormatdecimal
isNullabletrue

Traits

List of traits for the FinanceChargeAmount attribute are listed here.

is.dataFormat.numeric.shaped
for setting the exact precision and scale of numeric values

ParameterValueData typeExplanation
precision"18"integerthe total number of significant digits
scale"2"integerthe number of digits to the right of the decimal place

has.schemaObjectIdentifier
The schema object has an identifier, which is a string, specified as the parameter of the trait. It allows writers to define more identification values.

ParameterValueData typeExplanation
identifier"{CB2E1E97-2C79-4615-95E3-CEB7D2E259C0}"stringThe identifier for the schema object. There's no uniqueness guarantee enforced by CDM. It's a contract between reader and writer of the schema.

is.nullable
The attribute value can be set to NULL.

is.localized.displayedAs
Holds the list of language specific display text for an object.

ParameterValueData typeExplanation
localizedDisplayText
languageTagdisplayText
enFinance Charge Amount
entitya reference to the constant entity holding the list of localized text

is.localized.describedAs
Holds the list of language specific descriptive text for an object.

ParameterValueData typeExplanation
localizedDisplayText
languageTagdisplayText
enThe total dollar amount your loan will cost you. It includes all interest payments for the life of the loan, any interest paid at closing, your origination fee and any other charges paid to the lender or broker. Appraisal, credit report and title search fees aren't included in the finance charge calculation.
entitya reference to the constant entity holding the list of localized text

is.dataFormat.numeric.shaped
for setting the exact precision and scale of numeric values

EarnestMoneyAmount

The deposit money given to the seller or his agent by the potential buyer upon the signing of the agreement of sale to show that he is serious about buying the house. If the sale goes through, the earnest money is applied against the down payment. If the sale does not go through, the earnest money will be forfeited or lost unless the binder or offer to purchase expressly provides that it is refundable. First included in: Sustainability/esg-data-model/MortgageLoanSummary (this entity)

Properties

NameValue
displayNameEarnest Money Amount
descriptionThe deposit money given to the seller or his agent by the potential buyer upon the signing of the agreement of sale to show that he is serious about buying the house. If the sale goes through, the earnest money is applied against the down payment. If the sale does not go through, the earnest money will be forfeited or lost unless the binder or offer to purchase expressly provides that it is refundable.
dataFormatdecimal
isNullabletrue

Traits

List of traits for the EarnestMoneyAmount attribute are listed here.

is.dataFormat.numeric.shaped
for setting the exact precision and scale of numeric values

ParameterValueData typeExplanation
precision"18"integerthe total number of significant digits
scale"2"integerthe number of digits to the right of the decimal place

has.schemaObjectIdentifier
The schema object has an identifier, which is a string, specified as the parameter of the trait. It allows writers to define more identification values.

ParameterValueData typeExplanation
identifier"{F266E6CE-B6E3-4DBE-8ADD-90F932653087}"stringThe identifier for the schema object. There's no uniqueness guarantee enforced by CDM. It's a contract between reader and writer of the schema.

is.nullable
The attribute value can be set to NULL.

is.localized.displayedAs
Holds the list of language specific display text for an object.

ParameterValueData typeExplanation
localizedDisplayText
languageTagdisplayText
enEarnest Money Amount
entitya reference to the constant entity holding the list of localized text

is.localized.describedAs
Holds the list of language specific descriptive text for an object.

ParameterValueData typeExplanation
localizedDisplayText
languageTagdisplayText
enThe deposit money given to the seller or his agent by the potential buyer upon the signing of the agreement of sale to show that he is serious about buying the house. If the sale goes through, the earnest money is applied against the down payment. If the sale does not go through, the earnest money will be forfeited or lost unless the binder or offer to purchase expressly provides that it is refundable.
entitya reference to the constant entity holding the list of localized text

is.dataFormat.numeric.shaped
for setting the exact precision and scale of numeric values

AmortizationTerm

The amount of time required to amortize the mortgage loan. The amortization term is expressed as a number of months. First included in: Sustainability/esg-data-model/MortgageLoanSummary (this entity)

Properties

NameValue
displayNameAmortization Term
descriptionThe amount of time required to amortize the mortgage loan. The amortization term is expressed as a number of months.
dataFormatint32
isNullabletrue

Traits

List of traits for the AmortizationTerm attribute are listed here.

is.dataFormat.integer
has.schemaObjectIdentifier
The schema object has an identifier, which is a string, specified as the parameter of the trait. It allows writers to define more identification values.

ParameterValueData typeExplanation
identifier"{BDBC6F6B-F04F-4FB5-AB4B-0B429FBE1F26}"stringThe identifier for the schema object. There's no uniqueness guarantee enforced by CDM. It's a contract between reader and writer of the schema.

is.nullable
The attribute value can be set to NULL.

is.localized.displayedAs
Holds the list of language specific display text for an object.

ParameterValueData typeExplanation
localizedDisplayText
languageTagdisplayText
enAmortization Term
entitya reference to the constant entity holding the list of localized text

is.localized.describedAs
Holds the list of language specific descriptive text for an object.

ParameterValueData typeExplanation
localizedDisplayText
languageTagdisplayText
enThe amount of time required to amortize the mortgage loan. The amortization term is expressed as a number of months.
entitya reference to the constant entity holding the list of localized text

is.dataFormat.integer

GracePeriod

A time allowed, usually 15 days, for making late payments without a penalty
First included in: Sustainability/esg-data-model/MortgageLoanSummary (this entity)

Properties

NameValue
displayNameGrace Period
descriptionA time allowed, usually 15 days, for making late payments without a penalty
dataFormatint32
isNullabletrue

Traits

List of traits for the GracePeriod attribute are listed here.

is.dataFormat.integer
has.schemaObjectIdentifier
The schema object has an identifier, which is a string, specified as the parameter of the trait. It allows writers to define more identification values.

ParameterValueData typeExplanation
identifier"{D6A61E48-B5AB-470C-B2F6-15AA1C05EA3B}"stringThe identifier for the schema object. There's no uniqueness guarantee enforced by CDM. It's a contract between reader and writer of the schema.

is.nullable
The attribute value can be set to NULL.

is.localized.displayedAs
Holds the list of language specific display text for an object.

ParameterValueData typeExplanation
localizedDisplayText
languageTagdisplayText
enGrace Period
entitya reference to the constant entity holding the list of localized text

is.localized.describedAs
Holds the list of language specific descriptive text for an object.

ParameterValueData typeExplanation
localizedDisplayText
languageTagdisplayText
enA time allowed, usually 15 days, for making late payments without a penalty
entitya reference to the constant entity holding the list of localized text

is.dataFormat.integer

CashOutAmount

A loan transaction in which the borrower receives funds at the time of closing. First included in: Sustainability/esg-data-model/MortgageLoanSummary (this entity)

Properties

NameValue
displayNameCash Out Amount
descriptionA loan transaction in which the borrower receives funds at the time of closing.
dataFormatdecimal
isNullabletrue

Traits

List of traits for the CashOutAmount attribute are listed here.

is.dataFormat.numeric.shaped
for setting the exact precision and scale of numeric values

ParameterValueData typeExplanation
precision"18"integerthe total number of significant digits
scale"2"integerthe number of digits to the right of the decimal place

has.schemaObjectIdentifier
The schema object has an identifier, which is a string, specified as the parameter of the trait. It allows writers to define more identification values.

ParameterValueData typeExplanation
identifier"{8A3904DC-F1E2-4A2B-9C97-DBE92EB49815}"stringThe identifier for the schema object. There's no uniqueness guarantee enforced by CDM. It's a contract between reader and writer of the schema.

is.nullable
The attribute value can be set to NULL.

is.localized.displayedAs
Holds the list of language specific display text for an object.

ParameterValueData typeExplanation
localizedDisplayText
languageTagdisplayText
enCash Out Amount
entitya reference to the constant entity holding the list of localized text

is.localized.describedAs
Holds the list of language specific descriptive text for an object.

ParameterValueData typeExplanation
localizedDisplayText
languageTagdisplayText
enA loan transaction in which the borrower receives funds at the time of closing.
entitya reference to the constant entity holding the list of localized text

is.dataFormat.numeric.shaped
for setting the exact precision and scale of numeric values

LoanToValueRatio

The loan-to-value ratio (LTV) is the original loan amount divided by the lower of the sales price or the appraised value.

The relationship between the amount of the mortgage loan and the appraised value of the property expressed as a percentage. A LTV ratio of 90 means that a borrower is borrowing 90% of the value of the property and paying 10% as a down payment. For purchases, the value of the property is assumed to be the purchase price, for refinances the value is determined by an appraisal. First included in: Sustainability/esg-data-model/MortgageLoanSummary (this entity)

Properties

NameValue
displayNameLoan-To-Value Ratio (LTV)
descriptionThe loan-to-value ratio (LTV) is the original loan amount divided by the lower of the sales price or the appraised value.

The relationship between the amount of the mortgage loan and the appraised value of the property expressed as a percentage. A LTV ratio of 90 means that a borrower is borrowing 90% of the value of the property and paying 10% as a down payment. For purchases, the value of the property is assumed to be the purchase price, for refinances the value is determined by an appraisal.

dataFormatint32
isNullabletrue

Traits

List of traits for the LoanToValueRatio attribute are listed here.

is.dataFormat.integer
has.schemaObjectIdentifier
The schema object has an identifier, which is a string, specified as the parameter of the trait. It allows writers to define more identification values.

ParameterValueData typeExplanation
identifier"{0681365B-ECC5-4ED6-B4CA-E3390F1EFBAA}"stringThe identifier for the schema object. There's no uniqueness guarantee enforced by CDM. It's a contract between reader and writer of the schema.

is.nullable
The attribute value can be set to NULL.

is.localized.displayedAs
Holds the list of language specific display text for an object.

ParameterValueData typeExplanation
localizedDisplayText
languageTagdisplayText
enLoan-To-Value Ratio (LTV)
entitya reference to the constant entity holding the list of localized text

is.localized.describedAs
Holds the list of language specific descriptive text for an object.

ParameterValueData typeExplanation
localizedDisplayText
languageTagdisplayText
enThe loan-to-value ratio (LTV) is the original loan amount divided by the lower of the sales price or the appraised value.

The relationship between the amount of the mortgage loan and the appraised value of the property expressed as a percentage. A LTV ratio of 90 means that a borrower is borrowing 90% of the value of the property and paying 10% as a down payment. For purchases, the value of the property is assumed to be the purchase price, for refinances the value is determined by an appraisal.

entitya reference to the constant entity holding the list of localized text

is.dataFormat.integer

SellerProvidedFundsAmount

A loan made by the owner of property to the purchaser to cover part or all of the sales price. While common with both residential and commercial real estate, seller financing, or owner financing as it is also called, becomes a very popular means of "making the deal work" when interest rates are high. During such times, the purchaser who is unable to qualify for a loan from a traditional lender often turns to the seller and makes an offer to purchase contingent upon seller financing. First included in: Sustainability/esg-data-model/MortgageLoanSummary (this entity)

Properties

NameValue
displayNameSeller-Provided Funds Amount
descriptionA loan made by the owner of property to the purchaser to cover part or all of the sales price. While common with both residential and commercial real estate, seller financing, or owner financing as it is also called, becomes a very popular means of "making the deal work" when interest rates are high. During such times, the purchaser who is unable to qualify for a loan from a traditional lender often turns to the seller and makes an offer to purchase contingent upon seller financing.
dataFormatdecimal
isNullabletrue

Traits

List of traits for the SellerProvidedFundsAmount attribute are listed here.

is.dataFormat.numeric.shaped
for setting the exact precision and scale of numeric values

ParameterValueData typeExplanation
precision"18"integerthe total number of significant digits
scale"2"integerthe number of digits to the right of the decimal place

has.schemaObjectIdentifier
The schema object has an identifier, which is a string, specified as the parameter of the trait. It allows writers to define more identification values.

ParameterValueData typeExplanation
identifier"{68505A68-743B-47A2-A2E8-06EE7F334B20}"stringThe identifier for the schema object. There's no uniqueness guarantee enforced by CDM. It's a contract between reader and writer of the schema.

is.nullable
The attribute value can be set to NULL.

is.localized.displayedAs
Holds the list of language specific display text for an object.

ParameterValueData typeExplanation
localizedDisplayText
languageTagdisplayText
enSeller-Provided Funds Amount
entitya reference to the constant entity holding the list of localized text

is.localized.describedAs
Holds the list of language specific descriptive text for an object.

ParameterValueData typeExplanation
localizedDisplayText
languageTagdisplayText
enA loan made by the owner of property to the purchaser to cover part or all of the sales price. While common with both residential and commercial real estate, seller financing, or owner financing as it is also called, becomes a very popular means of "making the deal work" when interest rates are high. During such times, the purchaser who is unable to qualify for a loan from a traditional lender often turns to the seller and makes an offer to purchase contingent upon seller financing.
entitya reference to the constant entity holding the list of localized text

is.dataFormat.numeric.shaped
for setting the exact precision and scale of numeric values

SellerProvidedFundsDescription

A description of the terms and conditions associated with the seller-provided funds. First included in: Sustainability/esg-data-model/MortgageLoanSummary (this entity)

Properties

NameValue
displayNameSeller-Provided Funds Description
descriptionA description of the terms and conditions associated with the seller-provided funds.
dataFormatstring
maximumLength2048
isNullabletrue

Traits

List of traits for the SellerProvidedFundsDescription attribute are listed here.

is.dataFormat.character
is.dataFormat.big
indicates an atomic but multi-unit version of a fundamental type such as a multi byte encoded character, a double precision float, a long integer.

is.dataFormat.array
indicates a contiguous sequence of fundamental units that should be taken as a whole and considered one value. Array of Character is a String, and Array of Byte is a Binary Object.

has.schemaObjectIdentifier
The schema object has an identifier, which is a string, specified as the parameter of the trait. It allows writers to define more identification values.

ParameterValueData typeExplanation
identifier"{A495EA99-B6C9-4269-9F42-9AE290181D78}"stringThe identifier for the schema object. There's no uniqueness guarantee enforced by CDM. It's a contract between reader and writer of the schema.

is.nullable
The attribute value can be set to NULL.

is.localized.displayedAs
Holds the list of language specific display text for an object.

ParameterValueData typeExplanation
localizedDisplayText
languageTagdisplayText
enSeller-Provided Funds Description
entitya reference to the constant entity holding the list of localized text

is.localized.describedAs
Holds the list of language specific descriptive text for an object.

ParameterValueData typeExplanation
localizedDisplayText
languageTagdisplayText
enA description of the terms and conditions associated with the seller-provided funds.
entitya reference to the constant entity holding the list of localized text

is.constrained
maximum length or value constraints

ParameterValueData typeExplanation
maximumLength"2048"integer

is.dataFormat.character
is.dataFormat.array
indicates a contiguous sequence of fundamental units that should be taken as a whole and considered one value. Array of Character is a String, and Array of Byte is a Binary Object.

InitialBorrowerPaymentRate

The annual interest rate used to calculate the borrower's initial cash payment. First included in: Sustainability/esg-data-model/MortgageLoanSummary (this entity)

Properties

NameValue
displayNameInitial Borrower Payment Rate
descriptionThe annual interest rate used to calculate the borrower's initial cash payment.
dataFormatint32
isNullabletrue

Traits

List of traits for the InitialBorrowerPaymentRate attribute are listed here.

is.dataFormat.integer
has.schemaObjectIdentifier
The schema object has an identifier, which is a string, specified as the parameter of the trait. It allows writers to define more identification values.

ParameterValueData typeExplanation
identifier"{70B97EA9-7A74-4841-B8B5-9A862648B47C}"stringThe identifier for the schema object. There's no uniqueness guarantee enforced by CDM. It's a contract between reader and writer of the schema.

is.nullable
The attribute value can be set to NULL.

is.localized.displayedAs
Holds the list of language specific display text for an object.

ParameterValueData typeExplanation
localizedDisplayText
languageTagdisplayText
enInitial Borrower Payment Rate
entitya reference to the constant entity holding the list of localized text

is.localized.describedAs
Holds the list of language specific descriptive text for an object.

ParameterValueData typeExplanation
localizedDisplayText
languageTagdisplayText
enThe annual interest rate used to calculate the borrower's initial cash payment.
entitya reference to the constant entity holding the list of localized text

is.dataFormat.integer

AprBaseInterestRate

The actual yearly cost of credit stated to the nearest one-fourth of one percent. Any lender subject to the federal Truth-in-Lending Act must fully disclose the APR to the borrower. First included in: Sustainability/esg-data-model/MortgageLoanSummary (this entity)

Properties

NameValue
displayNameAPR Base Interest Rate
descriptionThe actual yearly cost of credit stated to the nearest one-fourth of one percent. Any lender subject to the federal Truth-in-Lending Act must fully disclose the APR to the borrower.
dataFormatint32
isNullabletrue

Traits

List of traits for the AprBaseInterestRate attribute are listed here.

is.dataFormat.integer
has.schemaObjectIdentifier
The schema object has an identifier, which is a string, specified as the parameter of the trait. It allows writers to define more identification values.

ParameterValueData typeExplanation
identifier"{5108F09F-AA31-4193-95F6-1975759111BD}"stringThe identifier for the schema object. There's no uniqueness guarantee enforced by CDM. It's a contract between reader and writer of the schema.

is.nullable
The attribute value can be set to NULL.

is.localized.displayedAs
Holds the list of language specific display text for an object.

ParameterValueData typeExplanation
localizedDisplayText
languageTagdisplayText
enAPR Base Interest Rate
entitya reference to the constant entity holding the list of localized text

is.localized.describedAs
Holds the list of language specific descriptive text for an object.

ParameterValueData typeExplanation
localizedDisplayText
languageTagdisplayText
enThe actual yearly cost of credit stated to the nearest one-fourth of one percent. Any lender subject to the federal Truth-in-Lending Act must fully disclose the APR to the borrower.
entitya reference to the constant entity holding the list of localized text

is.dataFormat.integer

PaymentDiscountInterestRate

In a payment discount, the lender reduces the first year's interest rate to make the mortgagor more attractive to borrowers. First included in: Sustainability/esg-data-model/MortgageLoanSummary (this entity)

Properties

NameValue
displayNamePayment Discount Interest Rate
descriptionIn a payment discount, the lender reduces the first year's interest rate to make the mortgagor more attractive to borrowers.
dataFormatint32
isNullabletrue

Traits

List of traits for the PaymentDiscountInterestRate attribute are listed here.

is.dataFormat.integer
has.schemaObjectIdentifier
The schema object has an identifier, which is a string, specified as the parameter of the trait. It allows writers to define more identification values.

ParameterValueData typeExplanation
identifier"{3514D546-8B15-4C6C-9C50-60F5D9CCF4C2}"stringThe identifier for the schema object. There's no uniqueness guarantee enforced by CDM. It's a contract between reader and writer of the schema.

is.nullable
The attribute value can be set to NULL.

is.localized.displayedAs
Holds the list of language specific display text for an object.

ParameterValueData typeExplanation
localizedDisplayText
languageTagdisplayText
enPayment Discount Interest Rate
entitya reference to the constant entity holding the list of localized text

is.localized.describedAs
Holds the list of language specific descriptive text for an object.

ParameterValueData typeExplanation
localizedDisplayText
languageTagdisplayText
enIn a payment discount, the lender reduces the first year's interest rate to make the mortgagor more attractive to borrowers.
entitya reference to the constant entity holding the list of localized text

is.dataFormat.integer

InterestRateCap

A provision of an ARM limiting how much interest rates may increase per adjustment period. First included in: Sustainability/esg-data-model/MortgageLoanSummary (this entity)

Properties

NameValue
displayNameInterest Rate Cap
descriptionA provision of an ARM limiting how much interest rates may increase per adjustment period.
dataFormatint32
isNullabletrue

Traits

List of traits for the InterestRateCap attribute are listed here.

is.dataFormat.integer
has.schemaObjectIdentifier
The schema object has an identifier, which is a string, specified as the parameter of the trait. It allows writers to define more identification values.

ParameterValueData typeExplanation
identifier"{D4CA1670-3A23-45DD-B003-EF7AAD707988}"stringThe identifier for the schema object. There's no uniqueness guarantee enforced by CDM. It's a contract between reader and writer of the schema.

is.nullable
The attribute value can be set to NULL.

is.localized.displayedAs
Holds the list of language specific display text for an object.

ParameterValueData typeExplanation
localizedDisplayText
languageTagdisplayText
enInterest Rate Cap
entitya reference to the constant entity holding the list of localized text

is.localized.describedAs
Holds the list of language specific descriptive text for an object.

ParameterValueData typeExplanation
localizedDisplayText
languageTagdisplayText
enA provision of an ARM limiting how much interest rates may increase per adjustment period.
entitya reference to the constant entity holding the list of localized text

is.dataFormat.integer

InterestRateFloor

For an adjustable-rate mortgage (ARM), the minimum interest rate, as specified in the mortgage note. First included in: Sustainability/esg-data-model/MortgageLoanSummary (this entity)

Properties

NameValue
displayNameInterest Rate Floor
descriptionFor an adjustable-rate mortgage (ARM), the minimum interest rate, as specified in the mortgage note.
dataFormatint32
isNullabletrue

Traits

List of traits for the InterestRateFloor attribute are listed here.

is.dataFormat.integer
has.schemaObjectIdentifier
The schema object has an identifier, which is a string, specified as the parameter of the trait. It allows writers to define more identification values.

ParameterValueData typeExplanation
identifier"{4C750A23-794C-4969-AF7C-9377872E90E0}"stringThe identifier for the schema object. There's no uniqueness guarantee enforced by CDM. It's a contract between reader and writer of the schema.

is.nullable
The attribute value can be set to NULL.

is.localized.displayedAs
Holds the list of language specific display text for an object.

ParameterValueData typeExplanation
localizedDisplayText
languageTagdisplayText
enInterest Rate Floor
entitya reference to the constant entity holding the list of localized text

is.localized.describedAs
Holds the list of language specific descriptive text for an object.

ParameterValueData typeExplanation
localizedDisplayText
languageTagdisplayText
enFor an adjustable-rate mortgage (ARM), the minimum interest rate, as specified in the mortgage note.
entitya reference to the constant entity holding the list of localized text

is.dataFormat.integer

InterestAccrualRate

The percentage rate at which interest accrues on the mortgage. In most cases, it is also the rate used to calculate the monthly payments, although it is not used for an adjustable-rate mortgage (ARM) with payment change limitations. First included in: Sustainability/esg-data-model/MortgageLoanSummary (this entity)

Properties

NameValue
displayNameInterest Accrual Rate
descriptionThe percentage rate at which interest accrues on the mortgage. In most cases, it is also the rate used to calculate the monthly payments, although it is not used for an adjustable-rate mortgage (ARM) with payment change limitations.
dataFormatint32
isNullabletrue

Traits

List of traits for the InterestAccrualRate attribute are listed here.

is.dataFormat.integer
has.schemaObjectIdentifier
The schema object has an identifier, which is a string, specified as the parameter of the trait. It allows writers to define more identification values.

ParameterValueData typeExplanation
identifier"{3BAF547D-7BDA-425F-8902-B854A4DE641A}"stringThe identifier for the schema object. There's no uniqueness guarantee enforced by CDM. It's a contract between reader and writer of the schema.

is.nullable
The attribute value can be set to NULL.

is.localized.displayedAs
Holds the list of language specific display text for an object.

ParameterValueData typeExplanation
localizedDisplayText
languageTagdisplayText
enInterest Accrual Rate
entitya reference to the constant entity holding the list of localized text

is.localized.describedAs
Holds the list of language specific descriptive text for an object.

ParameterValueData typeExplanation
localizedDisplayText
languageTagdisplayText
enThe percentage rate at which interest accrues on the mortgage. In most cases, it is also the rate used to calculate the monthly payments, although it is not used for an adjustable-rate mortgage (ARM) with payment change limitations.
entitya reference to the constant entity holding the list of localized text

is.dataFormat.integer

InitialInterestRate

The original interest rate of the mortgage at the time of closing. First included in: Sustainability/esg-data-model/MortgageLoanSummary (this entity)

Properties

NameValue
displayNameInitial Interest Rate
descriptionThe original interest rate of the mortgage at the time of closing.
dataFormatint32
isNullabletrue

Traits

List of traits for the InitialInterestRate attribute are listed here.

is.dataFormat.integer
has.schemaObjectIdentifier
The schema object has an identifier, which is a string, specified as the parameter of the trait. It allows writers to define more identification values.

ParameterValueData typeExplanation
identifier"{C8B22203-2537-454D-927C-08D6D1C06DF8}"stringThe identifier for the schema object. There's no uniqueness guarantee enforced by CDM. It's a contract between reader and writer of the schema.

is.nullable
The attribute value can be set to NULL.

is.localized.displayedAs
Holds the list of language specific display text for an object.

ParameterValueData typeExplanation
localizedDisplayText
languageTagdisplayText
enInitial Interest Rate
entitya reference to the constant entity holding the list of localized text

is.localized.describedAs
Holds the list of language specific descriptive text for an object.

ParameterValueData typeExplanation
localizedDisplayText
languageTagdisplayText
enThe original interest rate of the mortgage at the time of closing.
entitya reference to the constant entity holding the list of localized text

is.dataFormat.integer

PeriodicRateCap

A limit on the amount that the interest rate can increase or decrease during any one adjustment period, regardless of how high or low the index might be. First included in: Sustainability/esg-data-model/MortgageLoanSummary (this entity)

Properties

NameValue
displayNamePeriodic Rate Cap
descriptionA limit on the amount that the interest rate can increase or decrease during any one adjustment period, regardless of how high or low the index might be.
dataFormatint32
isNullabletrue

Traits

List of traits for the PeriodicRateCap attribute are listed here.

is.dataFormat.integer
has.schemaObjectIdentifier
The schema object has an identifier, which is a string, specified as the parameter of the trait. It allows writers to define more identification values.

ParameterValueData typeExplanation
identifier"{B734398F-CAF7-438A-AC26-CBD4E37249AA}"stringThe identifier for the schema object. There's no uniqueness guarantee enforced by CDM. It's a contract between reader and writer of the schema.

is.nullable
The attribute value can be set to NULL.

is.localized.displayedAs
Holds the list of language specific display text for an object.

ParameterValueData typeExplanation
localizedDisplayText
languageTagdisplayText
enPeriodic Rate Cap
entitya reference to the constant entity holding the list of localized text

is.localized.describedAs
Holds the list of language specific descriptive text for an object.

ParameterValueData typeExplanation
localizedDisplayText
languageTagdisplayText
enA limit on the amount that the interest rate can increase or decrease during any one adjustment period, regardless of how high or low the index might be.
entitya reference to the constant entity holding the list of localized text

is.dataFormat.integer

LifeOfLoanCap

The maximum interest rate that can be charged during the life of the loan. Also called Lifetime Cap. This value is often expressed as an increment above the initial loan rate. For example, an adjustable rate loan with an initial rate of 7.25% and a 6% lifetime cap will never adjust above a rate of 13.25% (7.25+6.0). First included in: Sustainability/esg-data-model/MortgageLoanSummary (this entity)

Properties

NameValue
displayNameLife Of Loan Cap
descriptionThe maximum interest rate that can be charged during the life of the loan. Also called Lifetime Cap. This value is often expressed as an increment above the initial loan rate. For example, an adjustable rate loan with an initial rate of 7.25% and a 6% lifetime cap will never adjust above a rate of 13.25% (7.25+6.0).
dataFormatint32
isNullabletrue

Traits

List of traits for the LifeOfLoanCap attribute are listed here.

is.dataFormat.integer
has.schemaObjectIdentifier
The schema object has an identifier, which is a string, specified as the parameter of the trait. It allows writers to define more identification values.

ParameterValueData typeExplanation
identifier"{570E9E2D-427C-4ED6-8A8C-FFFB86472DA7}"stringThe identifier for the schema object. There's no uniqueness guarantee enforced by CDM. It's a contract between reader and writer of the schema.

is.nullable
The attribute value can be set to NULL.

is.localized.displayedAs
Holds the list of language specific display text for an object.

ParameterValueData typeExplanation
localizedDisplayText
languageTagdisplayText
enLife Of Loan Cap
entitya reference to the constant entity holding the list of localized text

is.localized.describedAs
Holds the list of language specific descriptive text for an object.

ParameterValueData typeExplanation
localizedDisplayText
languageTagdisplayText
enThe maximum interest rate that can be charged during the life of the loan. Also called Lifetime Cap. This value is often expressed as an increment above the initial loan rate. For example, an adjustable rate loan with an initial rate of 7.25% and a 6% lifetime cap will never adjust above a rate of 13.25% (7.25+6.0).
entitya reference to the constant entity holding the list of localized text

is.dataFormat.integer

CapEachAdjustmentPeriodPercentageCap

A set percentage amount by which an adjustable rate mortgage may adjust each adjustment period. For adjustable loans, caps are usually quoted as two numbers as in 2/6. The first number indicates how much a loan may adjust at each adjustment period while the second number indicates how much a loan may adjust over its lifetime. Loans like the 3/1 and 5/1 adjustable which have an initial fixed period are quoted with 3 numbers as in 3/2/6 which would mean that the first adjustment may be as much as 3%, subsequent adjustments are capped at 2% each, and the lifetime cap is 6%. Two-Step loans are quoted with a single cap, which is the amount by which the loan may adjust at its single adjustment date. First included in: Sustainability/esg-data-model/MortgageLoanSummary (this entity)

Properties

NameValue
displayNameCAP - Each Adjustment Period Percentage Cap
descriptionA set percentage amount by which an adjustable rate mortgage may adjust each adjustment period. For adjustable loans, caps are usually quoted as two numbers as in 2/6. The first number indicates how much a loan may adjust at each adjustment period while the second number indicates how much a loan may adjust over its lifetime. Loans like the 3/1 and 5/1 adjustable which have an initial fixed period are quoted with 3 numbers as in 3/2/6 which would mean that the first adjustment may be as much as 3%, subsequent adjustments are capped at 2% each, and the lifetime cap is 6%. Two-Step loans are quoted with a single cap, which is the amount by which the loan may adjust at its single adjustment date.
dataFormatint32
isNullabletrue

Traits

List of traits for the CapEachAdjustmentPeriodPercentageCap attribute are listed here.

is.dataFormat.integer
has.schemaObjectIdentifier
The schema object has an identifier, which is a string, specified as the parameter of the trait. It allows writers to define more identification values.

ParameterValueData typeExplanation
identifier"{32F43242-3E4C-4444-BB09-1E7BE2629ADD}"stringThe identifier for the schema object. There's no uniqueness guarantee enforced by CDM. It's a contract between reader and writer of the schema.

is.nullable
The attribute value can be set to NULL.

is.localized.displayedAs
Holds the list of language specific display text for an object.

ParameterValueData typeExplanation
localizedDisplayText
languageTagdisplayText
enCAP - Each Adjustment Period Percentage Cap
entitya reference to the constant entity holding the list of localized text

is.localized.describedAs
Holds the list of language specific descriptive text for an object.

ParameterValueData typeExplanation
localizedDisplayText
languageTagdisplayText
enA set percentage amount by which an adjustable rate mortgage may adjust each adjustment period. For adjustable loans, caps are usually quoted as two numbers as in 2/6. The first number indicates how much a loan may adjust at each adjustment period while the second number indicates how much a loan may adjust over its lifetime. Loans like the 3/1 and 5/1 adjustable which have an initial fixed period are quoted with 3 numbers as in 3/2/6 which would mean that the first adjustment may be as much as 3%, subsequent adjustments are capped at 2% each, and the lifetime cap is 6%. Two-Step loans are quoted with a single cap, which is the amount by which the loan may adjust at its single adjustment date.
entitya reference to the constant entity holding the list of localized text

is.dataFormat.integer

CapSubsequentAdjustmentPeriodPercentageCap

A set percentage amount by which an adjustable rate mortgage may adjust each adjustment period. For adjustable loans, caps are usually quoted as two numbers as in 2/6. The first number indicates how much a loan may adjust at each adjustment period while the second number indicates how much a loan may adjust over its lifetime. Loans like the 3/1 and 5/1 adjustable which have an initial fixed period are quoted with 3 numbers as in 3/2/6 which would mean that the first adjustment may be as much as 3%, subsequent adjustments are capped at 2% each, and the lifetime cap is 6%. Two-Step loans are quoted with a single cap, which is the amount by which the loan may adjust at its single adjustment date. First included in: Sustainability/esg-data-model/MortgageLoanSummary (this entity)

Properties

NameValue
displayNameCAP - Subsequent Adjustment Period Percentage CAP
descriptionA set percentage amount by which an adjustable rate mortgage may adjust each adjustment period. For adjustable loans, caps are usually quoted as two numbers as in 2/6. The first number indicates how much a loan may adjust at each adjustment period while the second number indicates how much a loan may adjust over its lifetime. Loans like the 3/1 and 5/1 adjustable which have an initial fixed period are quoted with 3 numbers as in 3/2/6 which would mean that the first adjustment may be as much as 3%, subsequent adjustments are capped at 2% each, and the lifetime cap is 6%. Two-Step loans are quoted with a single cap, which is the amount by which the loan may adjust at its single adjustment date.
dataFormatint32
isNullabletrue

Traits

List of traits for the CapSubsequentAdjustmentPeriodPercentageCap attribute are listed here.

is.dataFormat.integer
has.schemaObjectIdentifier
The schema object has an identifier, which is a string, specified as the parameter of the trait. It allows writers to define more identification values.

ParameterValueData typeExplanation
identifier"{CF8D8E6D-A4A8-49C8-916B-6CD401D0093A}"stringThe identifier for the schema object. There's no uniqueness guarantee enforced by CDM. It's a contract between reader and writer of the schema.

is.nullable
The attribute value can be set to NULL.

is.localized.displayedAs
Holds the list of language specific display text for an object.

ParameterValueData typeExplanation
localizedDisplayText
languageTagdisplayText
enCAP - Subsequent Adjustment Period Percentage CAP
entitya reference to the constant entity holding the list of localized text

is.localized.describedAs
Holds the list of language specific descriptive text for an object.

ParameterValueData typeExplanation
localizedDisplayText
languageTagdisplayText
enA set percentage amount by which an adjustable rate mortgage may adjust each adjustment period. For adjustable loans, caps are usually quoted as two numbers as in 2/6. The first number indicates how much a loan may adjust at each adjustment period while the second number indicates how much a loan may adjust over its lifetime. Loans like the 3/1 and 5/1 adjustable which have an initial fixed period are quoted with 3 numbers as in 3/2/6 which would mean that the first adjustment may be as much as 3%, subsequent adjustments are capped at 2% each, and the lifetime cap is 6%. Two-Step loans are quoted with a single cap, which is the amount by which the loan may adjust at its single adjustment date.
entitya reference to the constant entity holding the list of localized text

is.dataFormat.integer

CapLifetimeAdjustmentPercentage

A set percentage amount by which an adjustable rate mortgage may adjust each adjustment period. For adjustable loans, caps are usually quoted as two numbers as in 2/6. The first number indicates how much a loan may adjust at each adjustment period while the second number indicates how much a loan may adjust over its lifetime. Loans like the 3/1 and 5/1 adjustable which have an initial fixed period are quoted with 3 numbers as in 3/2/6 which would mean that the first adjustment may be as much as 3%, subsequent adjustments are capped at 2% each, and the lifetime cap is 6%. Two-Step loans are quoted with a single cap, which is the amount by which the loan may adjust at its single adjustment date. First included in: Sustainability/esg-data-model/MortgageLoanSummary (this entity)

Properties

NameValue
displayNameCAP - Lifetime Adjustment Percentage
descriptionA set percentage amount by which an adjustable rate mortgage may adjust each adjustment period. For adjustable loans, caps are usually quoted as two numbers as in 2/6. The first number indicates how much a loan may adjust at each adjustment period while the second number indicates how much a loan may adjust over its lifetime. Loans like the 3/1 and 5/1 adjustable which have an initial fixed period are quoted with 3 numbers as in 3/2/6 which would mean that the first adjustment may be as much as 3%, subsequent adjustments are capped at 2% each, and the lifetime cap is 6%. Two-Step loans are quoted with a single cap, which is the amount by which the loan may adjust at its single adjustment date.
dataFormatdecimal
isNullabletrue

Traits

List of traits for the CapLifetimeAdjustmentPercentage attribute are listed here.

is.dataFormat.numeric.shaped
for setting the exact precision and scale of numeric values

ParameterValueData typeExplanation
precision"22"integerthe total number of significant digits
scale"10"integerthe number of digits to the right of the decimal place

has.schemaObjectIdentifier
The schema object has an identifier, which is a string, specified as the parameter of the trait. It allows writers to define more identification values.

ParameterValueData typeExplanation
identifier"{8D5B3F65-EDB9-4532-8A54-AAA505FE35CC}"stringThe identifier for the schema object. There's no uniqueness guarantee enforced by CDM. It's a contract between reader and writer of the schema.

is.nullable
The attribute value can be set to NULL.

is.localized.displayedAs
Holds the list of language specific display text for an object.

ParameterValueData typeExplanation
localizedDisplayText
languageTagdisplayText
enCAP - Lifetime Adjustment Percentage
entitya reference to the constant entity holding the list of localized text

is.localized.describedAs
Holds the list of language specific descriptive text for an object.

ParameterValueData typeExplanation
localizedDisplayText
languageTagdisplayText
enA set percentage amount by which an adjustable rate mortgage may adjust each adjustment period. For adjustable loans, caps are usually quoted as two numbers as in 2/6. The first number indicates how much a loan may adjust at each adjustment period while the second number indicates how much a loan may adjust over its lifetime. Loans like the 3/1 and 5/1 adjustable which have an initial fixed period are quoted with 3 numbers as in 3/2/6 which would mean that the first adjustment may be as much as 3%, subsequent adjustments are capped at 2% each, and the lifetime cap is 6%. Two-Step loans are quoted with a single cap, which is the amount by which the loan may adjust at its single adjustment date.
entitya reference to the constant entity holding the list of localized text

is.dataFormat.numeric.shaped
for setting the exact precision and scale of numeric values

ArmInterestRateCapAmount

A provision of an ARM limiting how much the interest rate may increase. First included in: Sustainability/esg-data-model/MortgageLoanSummary (this entity)

Properties

NameValue
displayNameARM Interest Rate Cap Amount
descriptionA provision of an ARM limiting how much the interest rate may increase.
dataFormatdecimal
isNullabletrue

Traits

List of traits for the ArmInterestRateCapAmount attribute are listed here.

is.dataFormat.numeric.shaped
for setting the exact precision and scale of numeric values

ParameterValueData typeExplanation
precision"18"integerthe total number of significant digits
scale"2"integerthe number of digits to the right of the decimal place

has.schemaObjectIdentifier
The schema object has an identifier, which is a string, specified as the parameter of the trait. It allows writers to define more identification values.

ParameterValueData typeExplanation
identifier"{3392FF1F-7E27-4E8A-A4A8-ED1B75F82F55}"stringThe identifier for the schema object. There's no uniqueness guarantee enforced by CDM. It's a contract between reader and writer of the schema.

is.nullable
The attribute value can be set to NULL.

is.localized.displayedAs
Holds the list of language specific display text for an object.

ParameterValueData typeExplanation
localizedDisplayText
languageTagdisplayText
enARM Interest Rate Cap Amount
entitya reference to the constant entity holding the list of localized text

is.localized.describedAs
Holds the list of language specific descriptive text for an object.

ParameterValueData typeExplanation
localizedDisplayText
languageTagdisplayText
enA provision of an ARM limiting how much the interest rate may increase.
entitya reference to the constant entity holding the list of localized text

is.dataFormat.numeric.shaped
for setting the exact precision and scale of numeric values

ArmLifetimeCap

A provision of an ARM that limits the total increase in interest rates over the life of the loan. First included in: Sustainability/esg-data-model/MortgageLoanSummary (this entity)

Properties

NameValue
displayNameARM Lifetime Cap
descriptionA provision of an ARM that limits the total increase in interest rates over the life of the loan.
dataFormatint32
isNullabletrue

Traits

List of traits for the ArmLifetimeCap attribute are listed here.

is.dataFormat.integer
has.schemaObjectIdentifier
The schema object has an identifier, which is a string, specified as the parameter of the trait. It allows writers to define more identification values.

ParameterValueData typeExplanation
identifier"{66E7CE8C-AADC-442D-9723-71BAD21F4F09}"stringThe identifier for the schema object. There's no uniqueness guarantee enforced by CDM. It's a contract between reader and writer of the schema.

is.nullable
The attribute value can be set to NULL.

is.localized.displayedAs
Holds the list of language specific display text for an object.

ParameterValueData typeExplanation
localizedDisplayText
languageTagdisplayText
enARM Lifetime Cap
entitya reference to the constant entity holding the list of localized text

is.localized.describedAs
Holds the list of language specific descriptive text for an object.

ParameterValueData typeExplanation
localizedDisplayText
languageTagdisplayText
enA provision of an ARM that limits the total increase in interest rates over the life of the loan.
entitya reference to the constant entity holding the list of localized text

is.dataFormat.integer

ArmAdjustmentDate

The date on which the interest rate changes for an adjustable-rate mortgage (ARM). First included in: Sustainability/esg-data-model/MortgageLoanSummary (this entity)

Properties

NameValue
displayNameARM Adjustment Date
descriptionThe date on which the interest rate changes for an adjustable-rate mortgage (ARM).
dataFormatdate
isNullabletrue

Traits

List of traits for the ArmAdjustmentDate attribute are listed here.

is.dataFormat.date
means.measurement.date
has.schemaObjectIdentifier
The schema object has an identifier, which is a string, specified as the parameter of the trait. It allows writers to define more identification values.

ParameterValueData typeExplanation
identifier"{968AF81F-25CA-4D22-B74C-2A87B4618F04}"stringThe identifier for the schema object. There's no uniqueness guarantee enforced by CDM. It's a contract between reader and writer of the schema.

is.nullable
The attribute value can be set to NULL.

is.localized.displayedAs
Holds the list of language specific display text for an object.

ParameterValueData typeExplanation
localizedDisplayText
languageTagdisplayText
enARM Adjustment Date
entitya reference to the constant entity holding the list of localized text

is.localized.describedAs
Holds the list of language specific descriptive text for an object.

ParameterValueData typeExplanation
localizedDisplayText
languageTagdisplayText
enThe date on which the interest rate changes for an adjustable-rate mortgage (ARM).
entitya reference to the constant entity holding the list of localized text

is.dataFormat.date

ArmMortgagePaymentCapAmount

A provision of an ARM limiting how much the mortgage payments may increase. First included in: Sustainability/esg-data-model/MortgageLoanSummary (this entity)

Properties

NameValue
displayNameARM Mortgage Payment Cap Amount
descriptionA provision of an ARM limiting how much the mortgage payments may increase.
dataFormatdecimal
isNullabletrue

Traits

List of traits for the ArmMortgagePaymentCapAmount attribute are listed here.

is.dataFormat.numeric.shaped
for setting the exact precision and scale of numeric values

ParameterValueData typeExplanation
precision"18"integerthe total number of significant digits
scale"2"integerthe number of digits to the right of the decimal place

has.schemaObjectIdentifier
The schema object has an identifier, which is a string, specified as the parameter of the trait. It allows writers to define more identification values.

ParameterValueData typeExplanation
identifier"{1E409C6C-9919-48A6-B68F-BB4C6A0BBD27}"stringThe identifier for the schema object. There's no uniqueness guarantee enforced by CDM. It's a contract between reader and writer of the schema.

is.nullable
The attribute value can be set to NULL.

is.localized.displayedAs
Holds the list of language specific display text for an object.

ParameterValueData typeExplanation
localizedDisplayText
languageTagdisplayText
enARM Mortgage Payment Cap Amount
entitya reference to the constant entity holding the list of localized text

is.localized.describedAs
Holds the list of language specific descriptive text for an object.

ParameterValueData typeExplanation
localizedDisplayText
languageTagdisplayText
enA provision of an ARM limiting how much the mortgage payments may increase.
entitya reference to the constant entity holding the list of localized text

is.dataFormat.numeric.shaped
for setting the exact precision and scale of numeric values

ArmChangeFrequency

The frequency (in months) of payment or interest rate changes in an adjustable-rate mortgage (ARM). First included in: Sustainability/esg-data-model/MortgageLoanSummary (this entity)

Properties

NameValue
displayNameARM Change Frequency
descriptionThe frequency (in months) of payment or interest rate changes in an adjustable-rate mortgage (ARM).
dataFormatdecimal
isNullabletrue

Traits

List of traits for the ArmChangeFrequency attribute are listed here.

is.dataFormat.numeric.shaped
for setting the exact precision and scale of numeric values

ParameterValueData typeExplanation
precision"3"integerthe total number of significant digits
scale"0"integerthe number of digits to the right of the decimal place

has.schemaObjectIdentifier
The schema object has an identifier, which is a string, specified as the parameter of the trait. It allows writers to define more identification values.

ParameterValueData typeExplanation
identifier"{8A7E3B0B-8BC8-4ED6-8B65-1057C2F834E3}"stringThe identifier for the schema object. There's no uniqueness guarantee enforced by CDM. It's a contract between reader and writer of the schema.

is.nullable
The attribute value can be set to NULL.

is.localized.displayedAs
Holds the list of language specific display text for an object.

ParameterValueData typeExplanation
localizedDisplayText
languageTagdisplayText
enARM Change Frequency
entitya reference to the constant entity holding the list of localized text

is.localized.describedAs
Holds the list of language specific descriptive text for an object.

ParameterValueData typeExplanation
localizedDisplayText
languageTagdisplayText
enThe frequency (in months) of payment or interest rate changes in an adjustable-rate mortgage (ARM).
entitya reference to the constant entity holding the list of localized text

is.dataFormat.numeric.shaped
for setting the exact precision and scale of numeric values

DelinquentLoanIndicator

A loan in which a payment is overdue but not yet in default. First included in: Sustainability/esg-data-model/MortgageLoanSummary (this entity)

Properties

NameValue
displayNameDelinquent Loan Indicator
descriptionA loan in which a payment is overdue but not yet in default.
dataFormatboolean
isNullabletrue

Traits

List of traits for the DelinquentLoanIndicator attribute are listed here.

is.dataFormat.boolean
has.schemaObjectIdentifier
The schema object has an identifier, which is a string, specified as the parameter of the trait. It allows writers to define more identification values.

ParameterValueData typeExplanation
identifier"{BC682138-6D77-4F0F-A363-C73BF5FABCA1}"stringThe identifier for the schema object. There's no uniqueness guarantee enforced by CDM. It's a contract between reader and writer of the schema.

is.nullable
The attribute value can be set to NULL.

is.localized.displayedAs
Holds the list of language specific display text for an object.

ParameterValueData typeExplanation
localizedDisplayText
languageTagdisplayText
enDelinquent Loan Indicator
entitya reference to the constant entity holding the list of localized text

is.localized.describedAs
Holds the list of language specific descriptive text for an object.

ParameterValueData typeExplanation
localizedDisplayText
languageTagdisplayText
enA loan in which a payment is overdue but not yet in default.
entitya reference to the constant entity holding the list of localized text

is.dataFormat.boolean

CreditLoanIndicator

A credit loan is a mortgage that is issued on only the financial strength of a borrower, without great regard for collateral. First included in: Sustainability/esg-data-model/MortgageLoanSummary (this entity)

Properties

NameValue
displayNameCredit Loan Indicator
descriptionA credit loan is a mortgage that is issued on only the financial strength of a borrower, without great regard for collateral.
dataFormatboolean
isNullabletrue

Traits

List of traits for the CreditLoanIndicator attribute are listed here.

is.dataFormat.boolean
has.schemaObjectIdentifier
The schema object has an identifier, which is a string, specified as the parameter of the trait. It allows writers to define more identification values.

ParameterValueData typeExplanation
identifier"{A44F2CD7-952A-4F68-885A-50CDCE034728}"stringThe identifier for the schema object. There's no uniqueness guarantee enforced by CDM. It's a contract between reader and writer of the schema.

is.nullable
The attribute value can be set to NULL.

is.localized.displayedAs
Holds the list of language specific display text for an object.

ParameterValueData typeExplanation
localizedDisplayText
languageTagdisplayText
enCredit Loan Indicator
entitya reference to the constant entity holding the list of localized text

is.localized.describedAs
Holds the list of language specific descriptive text for an object.

ParameterValueData typeExplanation
localizedDisplayText
languageTagdisplayText
enA credit loan is a mortgage that is issued on only the financial strength of a borrower, without great regard for collateral.
entitya reference to the constant entity holding the list of localized text

is.dataFormat.boolean

FirstMortgageIndicator

A mortgage that has priority over other mortgages. The mortgage that has first claim in the event of default. First included in: Sustainability/esg-data-model/MortgageLoanSummary (this entity)

Properties

NameValue
displayNameFirst Mortgage Indicator
descriptionA mortgage that has priority over other mortgages. The mortgage that has first claim in the event of default.
dataFormatboolean
isNullabletrue

Traits

List of traits for the FirstMortgageIndicator attribute are listed here.

is.dataFormat.boolean
has.schemaObjectIdentifier
The schema object has an identifier, which is a string, specified as the parameter of the trait. It allows writers to define more identification values.

ParameterValueData typeExplanation
identifier"{29BCD219-062F-439C-A1DE-CF00B40D2C49}"stringThe identifier for the schema object. There's no uniqueness guarantee enforced by CDM. It's a contract between reader and writer of the schema.

is.nullable
The attribute value can be set to NULL.

is.localized.displayedAs
Holds the list of language specific display text for an object.

ParameterValueData typeExplanation
localizedDisplayText
languageTagdisplayText
enFirst Mortgage Indicator
entitya reference to the constant entity holding the list of localized text

is.localized.describedAs
Holds the list of language specific descriptive text for an object.

ParameterValueData typeExplanation
localizedDisplayText
languageTagdisplayText
enA mortgage that has priority over other mortgages. The mortgage that has first claim in the event of default.
entitya reference to the constant entity holding the list of localized text

is.dataFormat.boolean

SecondMortgageIndicator

A mortgage that ranks after a first mortgage in priority. Properties may have two, three, or more mortgages, deeds of trust, or land contracts as liens at the same time. Legal priority determines the designation first, second, third, etc. First included in: Sustainability/esg-data-model/MortgageLoanSummary (this entity)

Properties

NameValue
displayNameSecond Mortgage Indicator
descriptionA mortgage that ranks after a first mortgage in priority. Properties may have two, three, or more mortgages, deeds of trust, or land contracts as liens at the same time. Legal priority determines the designation first, second, third, etc.
dataFormatboolean
isNullabletrue

Traits

List of traits for the SecondMortgageIndicator attribute are listed here.

is.dataFormat.boolean
has.schemaObjectIdentifier
The schema object has an identifier, which is a string, specified as the parameter of the trait. It allows writers to define more identification values.

ParameterValueData typeExplanation
identifier"{64629F80-1740-4959-BEEB-46A11D4197C9}"stringThe identifier for the schema object. There's no uniqueness guarantee enforced by CDM. It's a contract between reader and writer of the schema.

is.nullable
The attribute value can be set to NULL.

is.localized.displayedAs
Holds the list of language specific display text for an object.

ParameterValueData typeExplanation
localizedDisplayText
languageTagdisplayText
enSecond Mortgage Indicator
entitya reference to the constant entity holding the list of localized text

is.localized.describedAs
Holds the list of language specific descriptive text for an object.

ParameterValueData typeExplanation
localizedDisplayText
languageTagdisplayText
enA mortgage that ranks after a first mortgage in priority. Properties may have two, three, or more mortgages, deeds of trust, or land contracts as liens at the same time. Legal priority determines the designation first, second, third, etc.
entitya reference to the constant entity holding the list of localized text

is.dataFormat.boolean

BalloonLoanIndicator

A mortgage with a balloon payment. First included in: Sustainability/esg-data-model/MortgageLoanSummary (this entity)

Properties

NameValue
displayNameBalloon Loan Indicator
descriptionA mortgage with a balloon payment.
dataFormatboolean
isNullabletrue

Traits

List of traits for the BalloonLoanIndicator attribute are listed here.

is.dataFormat.boolean
has.schemaObjectIdentifier
The schema object has an identifier, which is a string, specified as the parameter of the trait. It allows writers to define more identification values.

ParameterValueData typeExplanation
identifier"{9B64276F-357A-496C-8A7E-B7D9DA99D325}"stringThe identifier for the schema object. There's no uniqueness guarantee enforced by CDM. It's a contract between reader and writer of the schema.

is.nullable
The attribute value can be set to NULL.

is.localized.displayedAs
Holds the list of language specific display text for an object.

ParameterValueData typeExplanation
localizedDisplayText
languageTagdisplayText
enBalloon Loan Indicator
entitya reference to the constant entity holding the list of localized text

is.localized.describedAs
Holds the list of language specific descriptive text for an object.

ParameterValueData typeExplanation
localizedDisplayText
languageTagdisplayText
enA mortgage with a balloon payment.
entitya reference to the constant entity holding the list of localized text

is.dataFormat.boolean

SecuredLoanIndicator

A loan that is backed by collateral. First included in: Sustainability/esg-data-model/MortgageLoanSummary (this entity)

Properties

NameValue
displayNameSecured Loan Indicator
descriptionA loan that is backed by collateral.
dataFormatboolean
isNullabletrue

Traits

List of traits for the SecuredLoanIndicator attribute are listed here.

is.dataFormat.boolean
has.schemaObjectIdentifier
The schema object has an identifier, which is a string, specified as the parameter of the trait. It allows writers to define more identification values.

ParameterValueData typeExplanation
identifier"{FCC1E1A4-FF28-4E14-88C3-28AE264707A6}"stringThe identifier for the schema object. There's no uniqueness guarantee enforced by CDM. It's a contract between reader and writer of the schema.

is.nullable
The attribute value can be set to NULL.

is.localized.displayedAs
Holds the list of language specific display text for an object.

ParameterValueData typeExplanation
localizedDisplayText
languageTagdisplayText
enSecured Loan Indicator
entitya reference to the constant entity holding the list of localized text

is.localized.describedAs
Holds the list of language specific descriptive text for an object.

ParameterValueData typeExplanation
localizedDisplayText
languageTagdisplayText
enA loan that is backed by collateral.
entitya reference to the constant entity holding the list of localized text

is.dataFormat.boolean

RehabilitationMortgageIndicator

A mortgage created to cover the costs of repairing, improving, and sometimes acquiring an existing property. First included in: Sustainability/esg-data-model/MortgageLoanSummary (this entity)

Properties

NameValue
displayNameRehabilitation Mortgage Indicator
descriptionA mortgage created to cover the costs of repairing, improving, and sometimes acquiring an existing property.
dataFormatboolean
isNullabletrue

Traits

List of traits for the RehabilitationMortgageIndicator attribute are listed here.

is.dataFormat.boolean
has.schemaObjectIdentifier
The schema object has an identifier, which is a string, specified as the parameter of the trait. It allows writers to define more identification values.

ParameterValueData typeExplanation
identifier"{215E75F1-BD30-4572-A16F-1B7E21FB33A4}"stringThe identifier for the schema object. There's no uniqueness guarantee enforced by CDM. It's a contract between reader and writer of the schema.

is.nullable
The attribute value can be set to NULL.

is.localized.displayedAs
Holds the list of language specific display text for an object.

ParameterValueData typeExplanation
localizedDisplayText
languageTagdisplayText
enRehabilitation Mortgage Indicator
entitya reference to the constant entity holding the list of localized text

is.localized.describedAs
Holds the list of language specific descriptive text for an object.

ParameterValueData typeExplanation
localizedDisplayText
languageTagdisplayText
enA mortgage created to cover the costs of repairing, improving, and sometimes acquiring an existing property.
entitya reference to the constant entity holding the list of localized text

is.dataFormat.boolean

UnsecuredLoanIndicator

A loan that is not backed by collateral. First included in: Sustainability/esg-data-model/MortgageLoanSummary (this entity)

Properties

NameValue
displayNameUnsecured Loan Indicator
descriptionA loan that is not backed by collateral.
dataFormatboolean
isNullabletrue

Traits

List of traits for the UnsecuredLoanIndicator attribute are listed here.

is.dataFormat.boolean
has.schemaObjectIdentifier
The schema object has an identifier, which is a string, specified as the parameter of the trait. It allows writers to define more identification values.

ParameterValueData typeExplanation
identifier"{8C5A7110-2D80-4D98-B86F-6B2EADC5BD0E}"stringThe identifier for the schema object. There's no uniqueness guarantee enforced by CDM. It's a contract between reader and writer of the schema.

is.nullable
The attribute value can be set to NULL.

is.localized.displayedAs
Holds the list of language specific display text for an object.

ParameterValueData typeExplanation
localizedDisplayText
languageTagdisplayText
enUnsecured Loan Indicator
entitya reference to the constant entity holding the list of localized text

is.localized.describedAs
Holds the list of language specific descriptive text for an object.

ParameterValueData typeExplanation
localizedDisplayText
languageTagdisplayText
enA loan that is not backed by collateral.
entitya reference to the constant entity holding the list of localized text

is.dataFormat.boolean

ConventionalLoanIndicator

A mortgage loan made by an approved lender in which the borrowers ability to repay the debt is not insured by a government agency such as FHA or VA. Normally requires a larger down payment than a government loan. First included in: Sustainability/esg-data-model/MortgageLoanSummary (this entity)

Properties

NameValue
displayNameConventional Loan Indicator
descriptionA mortgage loan made by an approved lender in which the borrowers ability to repay the debt is not insured by a government agency such as FHA or VA. Normally requires a larger down payment than a government loan.
dataFormatboolean
isNullabletrue

Traits

List of traits for the ConventionalLoanIndicator attribute are listed here.

is.dataFormat.boolean
has.schemaObjectIdentifier
The schema object has an identifier, which is a string, specified as the parameter of the trait. It allows writers to define more identification values.

ParameterValueData typeExplanation
identifier"{238D4156-FDD2-4648-A48B-4823053A15FA}"stringThe identifier for the schema object. There's no uniqueness guarantee enforced by CDM. It's a contract between reader and writer of the schema.

is.nullable
The attribute value can be set to NULL.

is.localized.displayedAs
Holds the list of language specific display text for an object.

ParameterValueData typeExplanation
localizedDisplayText
languageTagdisplayText
enConventional Loan Indicator
entitya reference to the constant entity holding the list of localized text

is.localized.describedAs
Holds the list of language specific descriptive text for an object.

ParameterValueData typeExplanation
localizedDisplayText
languageTagdisplayText
enA mortgage loan made by an approved lender in which the borrowers ability to repay the debt is not insured by a government agency such as FHA or VA. Normally requires a larger down payment than a government loan.
entitya reference to the constant entity holding the list of localized text

is.dataFormat.boolean

AssumableMortgageIndicator

A mortgage that can be taken over by the buyer when the house is sold. First included in: Sustainability/esg-data-model/MortgageLoanSummary (this entity)

Properties

NameValue
displayNameAssumable Mortgage Indicator
descriptionA mortgage that can be taken over by the buyer when the house is sold.
dataFormatboolean
isNullabletrue

Traits

List of traits for the AssumableMortgageIndicator attribute are listed here.

is.dataFormat.boolean
has.schemaObjectIdentifier
The schema object has an identifier, which is a string, specified as the parameter of the trait. It allows writers to define more identification values.

ParameterValueData typeExplanation
identifier"{D54C6033-CDDF-4B94-BF04-E7DF1EB124EC}"stringThe identifier for the schema object. There's no uniqueness guarantee enforced by CDM. It's a contract between reader and writer of the schema.

is.nullable
The attribute value can be set to NULL.

is.localized.displayedAs
Holds the list of language specific display text for an object.

ParameterValueData typeExplanation
localizedDisplayText
languageTagdisplayText
enAssumable Mortgage Indicator
entitya reference to the constant entity holding the list of localized text

is.localized.describedAs
Holds the list of language specific descriptive text for an object.

ParameterValueData typeExplanation
localizedDisplayText
languageTagdisplayText
enA mortgage that can be taken over by the buyer when the house is sold.
entitya reference to the constant entity holding the list of localized text

is.dataFormat.boolean

IntermediateTermMortgageIndicator

A mortgage loan with a stated maturity at the time of purchase that it is equal to or less than 20 years. First included in: Sustainability/esg-data-model/MortgageLoanSummary (this entity)

Properties

NameValue
displayNameIntermediate-Term Mortgage Indicator
descriptionA mortgage loan with a stated maturity at the time of purchase that it is equal to or less than 20 years.
dataFormatboolean
isNullabletrue

Traits

List of traits for the IntermediateTermMortgageIndicator attribute are listed here.

is.dataFormat.boolean
has.schemaObjectIdentifier
The schema object has an identifier, which is a string, specified as the parameter of the trait. It allows writers to define more identification values.

ParameterValueData typeExplanation
identifier"{268B17A2-4241-4699-9313-D5CCDF153B61}"stringThe identifier for the schema object. There's no uniqueness guarantee enforced by CDM. It's a contract between reader and writer of the schema.

is.nullable
The attribute value can be set to NULL.

is.localized.displayedAs
Holds the list of language specific display text for an object.

ParameterValueData typeExplanation
localizedDisplayText
languageTagdisplayText
enIntermediate-Term Mortgage Indicator
entitya reference to the constant entity holding the list of localized text

is.localized.describedAs
Holds the list of language specific descriptive text for an object.

ParameterValueData typeExplanation
localizedDisplayText
languageTagdisplayText
enA mortgage loan with a stated maturity at the time of purchase that it is equal to or less than 20 years.
entitya reference to the constant entity holding the list of localized text

is.dataFormat.boolean

RollOverLoanIndicator

A loan that /includes a call date earlier than its normal amortization period. First included in: Sustainability/esg-data-model/MortgageLoanSummary (this entity)

Properties

NameValue
displayNameRoll-Over Loan Indicator
descriptionA loan that /includes a call date earlier than its normal amortization period.
dataFormatboolean
isNullabletrue

Traits

List of traits for the RollOverLoanIndicator attribute are listed here.

is.dataFormat.boolean
has.schemaObjectIdentifier
The schema object has an identifier, which is a string, specified as the parameter of the trait. It allows writers to define more identification values.

ParameterValueData typeExplanation
identifier"{BB57E49C-4A6F-48AD-95EB-2F9250707490}"stringThe identifier for the schema object. There's no uniqueness guarantee enforced by CDM. It's a contract between reader and writer of the schema.

is.nullable
The attribute value can be set to NULL.

is.localized.displayedAs
Holds the list of language specific display text for an object.

ParameterValueData typeExplanation
localizedDisplayText
languageTagdisplayText
enRoll-Over Loan Indicator
entitya reference to the constant entity holding the list of localized text

is.localized.describedAs
Holds the list of language specific descriptive text for an object.

ParameterValueData typeExplanation
localizedDisplayText
languageTagdisplayText
enA loan that /includes a call date earlier than its normal amortization period.
entitya reference to the constant entity holding the list of localized text

is.dataFormat.boolean

NoDocLoanIndicator

Loans made where the lender does not require verification of income. Interest rates are typically higher on these types of loans. First included in: Sustainability/esg-data-model/MortgageLoanSummary (this entity)

Properties

NameValue
displayNameNo-Doc Loan Indicator
descriptionLoans made where the lender does not require verification of income. Interest rates are typically higher on these types of loans.
dataFormatboolean
isNullabletrue

Traits

List of traits for the NoDocLoanIndicator attribute are listed here.

is.dataFormat.boolean
has.schemaObjectIdentifier
The schema object has an identifier, which is a string, specified as the parameter of the trait. It allows writers to define more identification values.

ParameterValueData typeExplanation
identifier"{B4BA98C0-0CE0-449E-BEA9-AF5403477489}"stringThe identifier for the schema object. There's no uniqueness guarantee enforced by CDM. It's a contract between reader and writer of the schema.

is.nullable
The attribute value can be set to NULL.

is.localized.displayedAs
Holds the list of language specific display text for an object.

ParameterValueData typeExplanation
localizedDisplayText
languageTagdisplayText
enNo-Doc Loan Indicator
entitya reference to the constant entity holding the list of localized text

is.localized.describedAs
Holds the list of language specific descriptive text for an object.

ParameterValueData typeExplanation
localizedDisplayText
languageTagdisplayText
enLoans made where the lender does not require verification of income. Interest rates are typically higher on these types of loans.
entitya reference to the constant entity holding the list of localized text

is.dataFormat.boolean

SubprimeMortgageIndicator

Mortgages that aren't conforming mortgages and that are typically made to a person with less than perfect credit, income, or property. First included in: Sustainability/esg-data-model/MortgageLoanSummary (this entity)

Properties

NameValue
displayNameSubprime Mortgage Indicator
descriptionMortgages that aren't conforming mortgages and that are typically made to a person with less than perfect credit, income, or property.
dataFormatboolean
isNullabletrue

Traits

List of traits for the SubprimeMortgageIndicator attribute are listed here.

is.dataFormat.boolean
has.schemaObjectIdentifier
The schema object has an identifier, which is a string, specified as the parameter of the trait. It allows writers to define more identification values.

ParameterValueData typeExplanation
identifier"{FF4F915B-4CFF-45F2-8D52-89AD2C97A7CA}"stringThe identifier for the schema object. There's no uniqueness guarantee enforced by CDM. It's a contract between reader and writer of the schema.

is.nullable
The attribute value can be set to NULL.

is.localized.displayedAs
Holds the list of language specific display text for an object.

ParameterValueData typeExplanation
localizedDisplayText
languageTagdisplayText
enSubprime Mortgage Indicator
entitya reference to the constant entity holding the list of localized text

is.localized.describedAs
Holds the list of language specific descriptive text for an object.

ParameterValueData typeExplanation
localizedDisplayText
languageTagdisplayText
enMortgages that aren't conforming mortgages and that are typically made to a person with less than perfect credit, income, or property.
entitya reference to the constant entity holding the list of localized text

is.dataFormat.boolean

SecondHomeMortgageIndicator

A property that the borrower occupies in addition to his/her principal residence. Rental income from the borrower's second home may not be considered as stable monthly income. First included in: Sustainability/esg-data-model/MortgageLoanSummary (this entity)

Properties

NameValue
displayNameSecond Home Mortgage Indicator
descriptionA property that the borrower occupies in addition to his/her principal residence. Rental income from the borrower's second home may not be considered as stable monthly income.
dataFormatboolean
isNullabletrue

Traits

List of traits for the SecondHomeMortgageIndicator attribute are listed here.

is.dataFormat.boolean
has.schemaObjectIdentifier
The schema object has an identifier, which is a string, specified as the parameter of the trait. It allows writers to define more identification values.

ParameterValueData typeExplanation
identifier"{67DEC9A9-4F8C-42FD-88AF-D9BAD26D780B}"stringThe identifier for the schema object. There's no uniqueness guarantee enforced by CDM. It's a contract between reader and writer of the schema.

is.nullable
The attribute value can be set to NULL.

is.localized.displayedAs
Holds the list of language specific display text for an object.

ParameterValueData typeExplanation
localizedDisplayText
languageTagdisplayText
enSecond Home Mortgage Indicator
entitya reference to the constant entity holding the list of localized text

is.localized.describedAs
Holds the list of language specific descriptive text for an object.

ParameterValueData typeExplanation
localizedDisplayText
languageTagdisplayText
enA property that the borrower occupies in addition to his/her principal residence. Rental income from the borrower's second home may not be considered as stable monthly income.
entitya reference to the constant entity holding the list of localized text

is.dataFormat.boolean

InsuredMortgageIndicator

A mortgage that is protected by the Federal Housing Administration (FHA) or by private mortgage insurance (MI). If the borrower defaults on the loan, the insurer must pay the lender the lesser of the loss incurred or the insured amount
First included in: Sustainability/esg-data-model/MortgageLoanSummary (this entity)

Properties

NameValue
displayNameInsured Mortgage Indicator
descriptionA mortgage that is protected by the Federal Housing Administration (FHA) or by private mortgage insurance (MI). If the borrower defaults on the loan, the insurer must pay the lender the lesser of the loss incurred or the insured amount
dataFormatboolean
isNullabletrue

Traits

List of traits for the InsuredMortgageIndicator attribute are listed here.

is.dataFormat.boolean
has.schemaObjectIdentifier
The schema object has an identifier, which is a string, specified as the parameter of the trait. It allows writers to define more identification values.

ParameterValueData typeExplanation
identifier"{2955AC37-A37D-4689-A795-0E7FE36AA0D2}"stringThe identifier for the schema object. There's no uniqueness guarantee enforced by CDM. It's a contract between reader and writer of the schema.

is.nullable
The attribute value can be set to NULL.

is.localized.displayedAs
Holds the list of language specific display text for an object.

ParameterValueData typeExplanation
localizedDisplayText
languageTagdisplayText
enInsured Mortgage Indicator
entitya reference to the constant entity holding the list of localized text

is.localized.describedAs
Holds the list of language specific descriptive text for an object.

ParameterValueData typeExplanation
localizedDisplayText
languageTagdisplayText
enA mortgage that is protected by the Federal Housing Administration (FHA) or by private mortgage insurance (MI). If the borrower defaults on the loan, the insurer must pay the lender the lesser of the loss incurred or the insured amount
entitya reference to the constant entity holding the list of localized text

is.dataFormat.boolean

ConformingMortgageIndicator

A loan that conforms to the guidelines established by Fannie Mae or Freddie Mac. First included in: Sustainability/esg-data-model/MortgageLoanSummary (this entity)

Properties

NameValue
displayNameConforming Mortgage Indicator
descriptionA loan that conforms to the guidelines established by Fannie Mae or Freddie Mac.
dataFormatboolean
isNullabletrue

Traits

List of traits for the ConformingMortgageIndicator attribute are listed here.

is.dataFormat.boolean
has.schemaObjectIdentifier
The schema object has an identifier, which is a string, specified as the parameter of the trait. It allows writers to define more identification values.

ParameterValueData typeExplanation
identifier"{99C0991E-3C91-4C01-BE1C-40A7973B9286}"stringThe identifier for the schema object. There's no uniqueness guarantee enforced by CDM. It's a contract between reader and writer of the schema.

is.nullable
The attribute value can be set to NULL.

is.localized.displayedAs
Holds the list of language specific display text for an object.

ParameterValueData typeExplanation
localizedDisplayText
languageTagdisplayText
enConforming Mortgage Indicator
entitya reference to the constant entity holding the list of localized text

is.localized.describedAs
Holds the list of language specific descriptive text for an object.

ParameterValueData typeExplanation
localizedDisplayText
languageTagdisplayText
enA loan that conforms to the guidelines established by Fannie Mae or Freddie Mac.
entitya reference to the constant entity holding the list of localized text

is.dataFormat.boolean

ConstructionLoanIndicator

A short-term loan for funding the cost of construction. The lender advances funds to the builder as the work progresses. First included in: Sustainability/esg-data-model/MortgageLoanSummary (this entity)

Properties

NameValue
displayNameConstruction Loan Indicator
descriptionA short-term loan for funding the cost of construction. The lender advances funds to the builder as the work progresses.
dataFormatboolean
isNullabletrue

Traits

List of traits for the ConstructionLoanIndicator attribute are listed here.

is.dataFormat.boolean
has.schemaObjectIdentifier
The schema object has an identifier, which is a string, specified as the parameter of the trait. It allows writers to define more identification values.

ParameterValueData typeExplanation
identifier"{12920A4A-F0E5-43D1-B19E-06912C1C3A13}"stringThe identifier for the schema object. There's no uniqueness guarantee enforced by CDM. It's a contract between reader and writer of the schema.

is.nullable
The attribute value can be set to NULL.

is.localized.displayedAs
Holds the list of language specific display text for an object.

ParameterValueData typeExplanation
localizedDisplayText
languageTagdisplayText
enConstruction Loan Indicator
entitya reference to the constant entity holding the list of localized text

is.localized.describedAs
Holds the list of language specific descriptive text for an object.

ParameterValueData typeExplanation
localizedDisplayText
languageTagdisplayText
enA short-term loan for funding the cost of construction. The lender advances funds to the builder as the work progresses.
entitya reference to the constant entity holding the list of localized text

is.dataFormat.boolean

HomeEquityConversionMortgageIndicator

Home Equity Conversion Mortgage (HECM) - Also known as the reverse annuity mortgage. This mortgage provides that instead of making payments to a lender, the lender makes payments to the individual. Older homeowners are able to convert home equity into cash this way, in the form of monthly payments. Borrowers don't qualify on the basis of income, but on the value of his or her home. Such a loan does not have to be repaid until the borrower no longer occupies the property. First included in: Sustainability/esg-data-model/MortgageLoanSummary (this entity)

Properties

NameValue
displayNameHome Equity Conversion Mortgage Indicator
descriptionHome Equity Conversion Mortgage (HECM) - Also known as the reverse annuity mortgage. This mortgage provides that instead of making payments to a lender, the lender makes payments to the individual. Older homeowners are able to convert home equity into cash this way, in the form of monthly payments. Borrowers don't qualify on the basis of income, but on the value of his or her home. Such a loan does not have to be repaid until the borrower no longer occupies the property.
dataFormatboolean
isNullabletrue

Traits

List of traits for the HomeEquityConversionMortgageIndicator attribute are listed here.

is.dataFormat.boolean
has.schemaObjectIdentifier
The schema object has an identifier, which is a string, specified as the parameter of the trait. It allows writers to define more identification values.

ParameterValueData typeExplanation
identifier"{967EDC86-EC3A-4B80-A92D-3BEC12E52500}"stringThe identifier for the schema object. There's no uniqueness guarantee enforced by CDM. It's a contract between reader and writer of the schema.

is.nullable
The attribute value can be set to NULL.

is.localized.displayedAs
Holds the list of language specific display text for an object.

ParameterValueData typeExplanation
localizedDisplayText
languageTagdisplayText
enHome Equity Conversion Mortgage Indicator
entitya reference to the constant entity holding the list of localized text

is.localized.describedAs
Holds the list of language specific descriptive text for an object.

ParameterValueData typeExplanation
localizedDisplayText
languageTagdisplayText
enHome Equity Conversion Mortgage (HECM) - Also known as the reverse annuity mortgage. This mortgage provides that instead of making payments to a lender, the lender makes payments to the individual. Older homeowners are able to convert home equity into cash this way, in the form of monthly payments. Borrowers don't qualify on the basis of income, but on the value of his or her home. Such a loan does not have to be repaid until the borrower no longer occupies the property.
entitya reference to the constant entity holding the list of localized text

is.dataFormat.boolean

ReverseAnnuityMortgageIndicator

A system developed for an elderly property owner in which regular monthly payments can be received from a lender. When the total reaches a pre-determined amount, the owner begins repaying the loan or sells the property. First included in: Sustainability/esg-data-model/MortgageLoanSummary (this entity)

Properties

NameValue
displayNameReverse Annuity Mortgage Indicator
descriptionA system developed for an elderly property owner in which regular monthly payments can be received from a lender. When the total reaches a pre-determined amount, the owner begins repaying the loan or sells the property.
dataFormatboolean
isNullabletrue

Traits

List of traits for the ReverseAnnuityMortgageIndicator attribute are listed here.

is.dataFormat.boolean
has.schemaObjectIdentifier
The schema object has an identifier, which is a string, specified as the parameter of the trait. It allows writers to define more identification values.

ParameterValueData typeExplanation
identifier"{703E6555-4DC1-428E-AA3D-143A24F0BB0A}"stringThe identifier for the schema object. There's no uniqueness guarantee enforced by CDM. It's a contract between reader and writer of the schema.

is.nullable
The attribute value can be set to NULL.

is.localized.displayedAs
Holds the list of language specific display text for an object.

ParameterValueData typeExplanation
localizedDisplayText
languageTagdisplayText
enReverse Annuity Mortgage Indicator
entitya reference to the constant entity holding the list of localized text

is.localized.describedAs
Holds the list of language specific descriptive text for an object.

ParameterValueData typeExplanation
localizedDisplayText
languageTagdisplayText
enA system developed for an elderly property owner in which regular monthly payments can be received from a lender. When the total reaches a pre-determined amount, the owner begins repaying the loan or sells the property.
entitya reference to the constant entity holding the list of localized text

is.dataFormat.boolean

EquityLoanIndicator

A loan based on the borrower's equity in his or her home. Prior to closing; also, an account held by the lender into which a homeowner pays money for taxes and insurance. (FRM) A mortgage in which the interest rate does not change during the entire term of the loan. First included in: Sustainability/esg-data-model/MortgageLoanSummary (this entity)

Properties

NameValue
displayNameEquity Loan Indicator
descriptionA loan based on the borrower's equity in his or her home. Prior to closing; also, an account held by the lender into which a homeowner pays money for taxes and insurance. (FRM) A mortgage in which the interest rate does not change during the entire term of the loan.
dataFormatboolean
isNullabletrue

Traits

List of traits for the EquityLoanIndicator attribute are listed here.

is.dataFormat.boolean
has.schemaObjectIdentifier
The schema object has an identifier, which is a string, specified as the parameter of the trait. It allows writers to define more identification values.

ParameterValueData typeExplanation
identifier"{D696B499-5DB3-488D-8CE6-DD24627FCDC3}"stringThe identifier for the schema object. There's no uniqueness guarantee enforced by CDM. It's a contract between reader and writer of the schema.

is.nullable
The attribute value can be set to NULL.

is.localized.displayedAs
Holds the list of language specific display text for an object.

ParameterValueData typeExplanation
localizedDisplayText
languageTagdisplayText
enEquity Loan Indicator
entitya reference to the constant entity holding the list of localized text

is.localized.describedAs
Holds the list of language specific descriptive text for an object.

ParameterValueData typeExplanation
localizedDisplayText
languageTagdisplayText
enA loan based on the borrower's equity in his or her home. Prior to closing; also, an account held by the lender into which a homeowner pays money for taxes and insurance. (FRM) A mortgage in which the interest rate does not change during the entire term of the loan.
entitya reference to the constant entity holding the list of localized text

is.dataFormat.boolean

GraduatedPaymentMortgageIndicator

(GPM) A mortgage where the payments are scheduled to increase, usually annually, for a set number of years, and then level off. GPM can be used with either a fixed or adjustable interest rate, and usually has a 30-year term. First included in: Sustainability/esg-data-model/MortgageLoanSummary (this entity)

Properties

NameValue
displayNameGraduated Payment Mortgage Indicator
description(GPM) A mortgage where the payments are scheduled to increase, usually annually, for a set number of years, and then level off. GPM can be used with either a fixed or adjustable interest rate, and usually has a 30-year term.
dataFormatboolean
isNullabletrue

Traits

List of traits for the GraduatedPaymentMortgageIndicator attribute are listed here.

is.dataFormat.boolean
has.schemaObjectIdentifier
The schema object has an identifier, which is a string, specified as the parameter of the trait. It allows writers to define more identification values.

ParameterValueData typeExplanation
identifier"{4A70202B-D11F-4E38-9815-57D23A0738BF}"stringThe identifier for the schema object. There's no uniqueness guarantee enforced by CDM. It's a contract between reader and writer of the schema.

is.nullable
The attribute value can be set to NULL.

is.localized.displayedAs
Holds the list of language specific display text for an object.

ParameterValueData typeExplanation
localizedDisplayText
languageTagdisplayText
enGraduated Payment Mortgage Indicator
entitya reference to the constant entity holding the list of localized text

is.localized.describedAs
Holds the list of language specific descriptive text for an object.

ParameterValueData typeExplanation
localizedDisplayText
languageTagdisplayText
en(GPM) A mortgage where the payments are scheduled to increase, usually annually, for a set number of years, and then level off. GPM can be used with either a fixed or adjustable interest rate, and usually has a 30-year term.
entitya reference to the constant entity holding the list of localized text

is.dataFormat.boolean

GrowingEquityMortgageIndicator

(GEM) A fixed rate, graduated payment mortgage with small initial payments that increase each year so that the loan pays off in a shortened term, usually 15 years. First included in: Sustainability/esg-data-model/MortgageLoanSummary (this entity)

Properties

NameValue
displayNameGrowing Equity Mortgage Indicator
description(GEM) A fixed rate, graduated payment mortgage with small initial payments that increase each year so that the loan pays off in a shortened term, usually 15 years.
dataFormatboolean
isNullabletrue

Traits

List of traits for the GrowingEquityMortgageIndicator attribute are listed here.

is.dataFormat.boolean
has.schemaObjectIdentifier
The schema object has an identifier, which is a string, specified as the parameter of the trait. It allows writers to define more identification values.

ParameterValueData typeExplanation
identifier"{F03353AE-50B3-4119-AB64-D53B42EEFE9D}"stringThe identifier for the schema object. There's no uniqueness guarantee enforced by CDM. It's a contract between reader and writer of the schema.

is.nullable
The attribute value can be set to NULL.

is.localized.displayedAs
Holds the list of language specific display text for an object.

ParameterValueData typeExplanation
localizedDisplayText
languageTagdisplayText
enGrowing Equity Mortgage Indicator
entitya reference to the constant entity holding the list of localized text

is.localized.describedAs
Holds the list of language specific descriptive text for an object.

ParameterValueData typeExplanation
localizedDisplayText
languageTagdisplayText
en(GEM) A fixed rate, graduated payment mortgage with small initial payments that increase each year so that the loan pays off in a shortened term, usually 15 years.
entitya reference to the constant entity holding the list of localized text

is.dataFormat.boolean

FullyAmortizedArmIndicator

An adjustable-rate mortgage (ARM) with a monthly payment that is sufficient to amortize the remaining balance, at the interest accrual rate, over the amortization term. First included in: Sustainability/esg-data-model/MortgageLoanSummary (this entity)

Properties

NameValue
displayNameFully Amortized ARM Indicator
descriptionAn adjustable-rate mortgage (ARM) with a monthly payment that is sufficient to amortize the remaining balance, at the interest accrual rate, over the amortization term.
dataFormatboolean
isNullabletrue

Traits

List of traits for the FullyAmortizedArmIndicator attribute are listed here.

is.dataFormat.boolean
has.schemaObjectIdentifier
The schema object has an identifier, which is a string, specified as the parameter of the trait. It allows writers to define more identification values.

ParameterValueData typeExplanation
identifier"{1E0362AC-8246-4CF8-B21C-7530747D5992}"stringThe identifier for the schema object. There's no uniqueness guarantee enforced by CDM. It's a contract between reader and writer of the schema.

is.nullable
The attribute value can be set to NULL.

is.localized.displayedAs
Holds the list of language specific display text for an object.

ParameterValueData typeExplanation
localizedDisplayText
languageTagdisplayText
enFully Amortized ARM Indicator
entitya reference to the constant entity holding the list of localized text

is.localized.describedAs
Holds the list of language specific descriptive text for an object.

ParameterValueData typeExplanation
localizedDisplayText
languageTagdisplayText
enAn adjustable-rate mortgage (ARM) with a monthly payment that is sufficient to amortize the remaining balance, at the interest accrual rate, over the amortization term.
entitya reference to the constant entity holding the list of localized text

is.dataFormat.boolean

FixedRateMortgageIndicator

(FRM) A mortgage in which the interest rate does not change during the entire term of the loan. First included in: Sustainability/esg-data-model/MortgageLoanSummary (this entity)

Properties

NameValue
displayNameFixed Rate Mortgage Indicator
description(FRM) A mortgage in which the interest rate does not change during the entire term of the loan.
dataFormatboolean
isNullabletrue

Traits

List of traits for the FixedRateMortgageIndicator attribute are listed here.

is.dataFormat.boolean
has.schemaObjectIdentifier
The schema object has an identifier, which is a string, specified as the parameter of the trait. It allows writers to define more identification values.

ParameterValueData typeExplanation
identifier"{87FB0FA9-FE64-4BF9-BBE1-B258AF405606}"stringThe identifier for the schema object. There's no uniqueness guarantee enforced by CDM. It's a contract between reader and writer of the schema.

is.nullable
The attribute value can be set to NULL.

is.localized.displayedAs
Holds the list of language specific display text for an object.

ParameterValueData typeExplanation
localizedDisplayText
languageTagdisplayText
enFixed Rate Mortgage Indicator
entitya reference to the constant entity holding the list of localized text

is.localized.describedAs
Holds the list of language specific descriptive text for an object.

ParameterValueData typeExplanation
localizedDisplayText
languageTagdisplayText
en(FRM) A mortgage in which the interest rate does not change during the entire term of the loan.
entitya reference to the constant entity holding the list of localized text

is.dataFormat.boolean

AdjustableMortgageIndicator

Any mortgage that does not have a fixed interest rate and a fixed payment for the term of the loan, or does not amortize to zero at the end of the set term, when required payments are made on time. First included in: Sustainability/esg-data-model/MortgageLoanSummary (this entity)

Properties

NameValue
displayNameAdjustable Mortgage Indicator
descriptionAny mortgage that does not have a fixed interest rate and a fixed payment for the term of the loan, or does not amortize to zero at the end of the set term, when required payments are made on time.
dataFormatboolean
isNullabletrue

Traits

List of traits for the AdjustableMortgageIndicator attribute are listed here.

is.dataFormat.boolean
has.schemaObjectIdentifier
The schema object has an identifier, which is a string, specified as the parameter of the trait. It allows writers to define more identification values.

ParameterValueData typeExplanation
identifier"{E033065B-FE95-4847-8591-851E777D5555}"stringThe identifier for the schema object. There's no uniqueness guarantee enforced by CDM. It's a contract between reader and writer of the schema.

is.nullable
The attribute value can be set to NULL.

is.localized.displayedAs
Holds the list of language specific display text for an object.

ParameterValueData typeExplanation
localizedDisplayText
languageTagdisplayText
enAdjustable Mortgage Indicator
entitya reference to the constant entity holding the list of localized text

is.localized.describedAs
Holds the list of language specific descriptive text for an object.

ParameterValueData typeExplanation
localizedDisplayText
languageTagdisplayText
enAny mortgage that does not have a fixed interest rate and a fixed payment for the term of the loan, or does not amortize to zero at the end of the set term, when required payments are made on time.
entitya reference to the constant entity holding the list of localized text

is.dataFormat.boolean

ConvertibleArmIndicator

An adjustable-rate mortgage that can be converted to a fixed-rate mortgage under specified conditions. First included in: Sustainability/esg-data-model/MortgageLoanSummary (this entity)

Properties

NameValue
displayNameConvertible ARM Indicator
descriptionAn adjustable-rate mortgage that can be converted to a fixed-rate mortgage under specified conditions.
dataFormatboolean
isNullabletrue

Traits

List of traits for the ConvertibleArmIndicator attribute are listed here.

is.dataFormat.boolean
has.schemaObjectIdentifier
The schema object has an identifier, which is a string, specified as the parameter of the trait. It allows writers to define more identification values.

ParameterValueData typeExplanation
identifier"{3685EF95-6DDE-4B75-9F82-C9DFD33DC586}"stringThe identifier for the schema object. There's no uniqueness guarantee enforced by CDM. It's a contract between reader and writer of the schema.

is.nullable
The attribute value can be set to NULL.

is.localized.displayedAs
Holds the list of language specific display text for an object.

ParameterValueData typeExplanation
localizedDisplayText
languageTagdisplayText
enConvertible ARM Indicator
entitya reference to the constant entity holding the list of localized text

is.localized.describedAs
Holds the list of language specific descriptive text for an object.

ParameterValueData typeExplanation
localizedDisplayText
languageTagdisplayText
enAn adjustable-rate mortgage that can be converted to a fixed-rate mortgage under specified conditions.
entitya reference to the constant entity holding the list of localized text

is.dataFormat.boolean

WraparoundMortgageIndicator

A method of acquiring more financing on real estate by placing the more funds in a secondary or junior position to the existing debt. As its name implies, a wraparound mortgage 'wraps around' an existing first mortgage. This method of obtaining more capital is often used with commercial property where there is substantial equity in the property and where the existing first mortgage has an attractive low interest rate. By obtaining a wraparound, the borrower receives dollars based on the difference between current market value of the property and the outstanding balance on the first mortgage. The borrower amortizes the wraparound mortgage which now includes the balance of the first mortgage and the wraparound lender forwards the necessary periodic debt service to the holder of the first mortgage. Thus, the borrower reduces the equity and at the same time obtains an interest rate lower than would be possible through a normal second mortgage. The lender receives the leverage resulting from an interest rate on the wraparound greater than the interest paid to the holder of the first mortgage. First included in: Sustainability/esg-data-model/MortgageLoanSummary (this entity)

Properties

NameValue
displayNameWraparound Mortgage Indicator
descriptionA method of acquiring more financing on real estate by placing the more funds in a secondary or junior position to the existing debt. As its name implies, a wraparound mortgage 'wraps around' an existing first mortgage. This method of obtaining more capital is often used with commercial property where there is substantial equity in the property and where the existing first mortgage has an attractive low interest rate. By obtaining a wraparound, the borrower receives dollars based on the difference between current market value of the property and the outstanding balance on the first mortgage. The borrower amortizes the wraparound mortgage which now includes the balance of the first mortgage and the wraparound lender forwards the necessary periodic debt service to the holder of the first mortgage. Thus, the borrower reduces the equity and at the same time obtains an interest rate lower than would be possible through a normal second mortgage. The lender receives the leverage resulting from an interest rate on the wraparound greater than the interest paid to the holder of the first mortgage.
dataFormatboolean
isNullabletrue

Traits

List of traits for the WraparoundMortgageIndicator attribute are listed here.

is.dataFormat.boolean
has.schemaObjectIdentifier
The schema object has an identifier, which is a string, specified as the parameter of the trait. It allows writers to define more identification values.

ParameterValueData typeExplanation
identifier"{0CFC17FF-85AE-413C-807E-B91CC3CA0F53}"stringThe identifier for the schema object. There's no uniqueness guarantee enforced by CDM. It's a contract between reader and writer of the schema.

is.nullable
The attribute value can be set to NULL.

is.localized.displayedAs
Holds the list of language specific display text for an object.

ParameterValueData typeExplanation
localizedDisplayText
languageTagdisplayText
enWraparound Mortgage Indicator
entitya reference to the constant entity holding the list of localized text

is.localized.describedAs
Holds the list of language specific descriptive text for an object.

ParameterValueData typeExplanation
localizedDisplayText
languageTagdisplayText
enA method of acquiring more financing on real estate by placing the more funds in a secondary or junior position to the existing debt. As its name implies, a wraparound mortgage 'wraps around' an existing first mortgage. This method of obtaining more capital is often used with commercial property where there is substantial equity in the property and where the existing first mortgage has an attractive low interest rate. By obtaining a wraparound, the borrower receives dollars based on the difference between current market value of the property and the outstanding balance on the first mortgage. The borrower amortizes the wraparound mortgage which now includes the balance of the first mortgage and the wraparound lender forwards the necessary periodic debt service to the holder of the first mortgage. Thus, the borrower reduces the equity and at the same time obtains an interest rate lower than would be possible through a normal second mortgage. The lender receives the leverage resulting from an interest rate on the wraparound greater than the interest paid to the holder of the first mortgage.
entitya reference to the constant entity holding the list of localized text

is.dataFormat.boolean

NoCostLoanIndicator

A no-cost loan can either be: 1) a loan that has no "lender costs" associated with it or, 2) a loan that also covers purchases or refinancing costs, which may be incurred in buying a home, obtaining or refinancing a loan, but aren't directly charged by the lender. The interest rate on this type of loan is higher. First included in: Sustainability/esg-data-model/MortgageLoanSummary (this entity)

Properties

NameValue
displayNameNo Cost Loan Indicator
descriptionA no-cost loan can either be: 1) a loan that has no "lender costs" associated with it or, 2) a loan that also covers purchases or refinancing costs, which may be incurred in buying a home, obtaining or refinancing a loan, but aren't directly charged by the lender. The interest rate on this type of loan is higher.
dataFormatboolean
isNullabletrue

Traits

List of traits for the NoCostLoanIndicator attribute are listed here.

is.dataFormat.boolean
has.schemaObjectIdentifier
The schema object has an identifier, which is a string, specified as the parameter of the trait. It allows writers to define more identification values.

ParameterValueData typeExplanation
identifier"{7AE9485C-72A0-4073-9871-2E46403072BE}"stringThe identifier for the schema object. There's no uniqueness guarantee enforced by CDM. It's a contract between reader and writer of the schema.

is.nullable
The attribute value can be set to NULL.

is.localized.displayedAs
Holds the list of language specific display text for an object.

ParameterValueData typeExplanation
localizedDisplayText
languageTagdisplayText
enNo Cost Loan Indicator
entitya reference to the constant entity holding the list of localized text

is.localized.describedAs
Holds the list of language specific descriptive text for an object.

ParameterValueData typeExplanation
localizedDisplayText
languageTagdisplayText
enA no-cost loan can either be: 1) a loan that has no "lender costs" associated with it or, 2) a loan that also covers purchases or refinancing costs, which may be incurred in buying a home, obtaining or refinancing a loan, but aren't directly charged by the lender. The interest rate on this type of loan is higher.
entitya reference to the constant entity holding the list of localized text

is.dataFormat.boolean

TwoStepMortgageIndicator

A loan where the interest rate is fixed for the first seven years and then is adjusted one time for the balance of the loan period. First included in: Sustainability/esg-data-model/MortgageLoanSummary (this entity)

Properties

NameValue
displayNameTwo-Step Mortgage Indicator
descriptionA loan where the interest rate is fixed for the first seven years and then is adjusted one time for the balance of the loan period.
dataFormatboolean
isNullabletrue

Traits

List of traits for the TwoStepMortgageIndicator attribute are listed here.

is.dataFormat.boolean
has.schemaObjectIdentifier
The schema object has an identifier, which is a string, specified as the parameter of the trait. It allows writers to define more identification values.

ParameterValueData typeExplanation
identifier"{41A9E6C9-A29D-4AF0-92A9-AA2600C1CC52}"stringThe identifier for the schema object. There's no uniqueness guarantee enforced by CDM. It's a contract between reader and writer of the schema.

is.nullable
The attribute value can be set to NULL.

is.localized.displayedAs
Holds the list of language specific display text for an object.

ParameterValueData typeExplanation
localizedDisplayText
languageTagdisplayText
enTwo-Step Mortgage Indicator
entitya reference to the constant entity holding the list of localized text

is.localized.describedAs
Holds the list of language specific descriptive text for an object.

ParameterValueData typeExplanation
localizedDisplayText
languageTagdisplayText
enA loan where the interest rate is fixed for the first seven years and then is adjusted one time for the balance of the loan period.
entitya reference to the constant entity holding the list of localized text

is.dataFormat.boolean

PropertyId

The unique identifier of a Property. First included in: Sustainability/esg-data-model/MortgageLoanSummary (this entity)

Properties

NameValue
displayNameProperty ID
descriptionThe unique identifier of a Property.
dataFormatint64
isNullabletrue

Traits

List of traits for the PropertyId attribute are listed here.

is.dataFormat.integer
is.dataFormat.big
indicates an atomic but multi-unit version of a fundamental type such as a multi byte encoded character, a double precision float, a long integer.

has.schemaObjectIdentifier
The schema object has an identifier, which is a string, specified as the parameter of the trait. It allows writers to define more identification values.

ParameterValueData typeExplanation
identifier"{EC7E8577-73EA-4906-9D1F-4AFEEFD8CB2B}"stringThe identifier for the schema object. There's no uniqueness guarantee enforced by CDM. It's a contract between reader and writer of the schema.

is.nullable
The attribute value can be set to NULL.

is.localized.displayedAs
Holds the list of language specific display text for an object.

ParameterValueData typeExplanation
localizedDisplayText
languageTagdisplayText
enProperty ID
entitya reference to the constant entity holding the list of localized text

is.localized.describedAs
Holds the list of language specific descriptive text for an object.

ParameterValueData typeExplanation
localizedDisplayText
languageTagdisplayText
enThe unique identifier of a Property.
entitya reference to the constant entity holding the list of localized text

is.dataFormat.integer
is.dataFormat.big
indicates an atomic but multi-unit version of a fundamental type such as a multi byte encoded character, a double precision float, a long integer.

MortgageLoanTypeId

The unique identifier of a Mortgage Loan Type. First included in: Sustainability/esg-data-model/MortgageLoanSummary (this entity)

Properties

NameValue
displayNameMortgage Loan Type ID
descriptionThe unique identifier of a Mortgage Loan Type.
dataFormatint32
isNullabletrue

Traits

List of traits for the MortgageLoanTypeId attribute are listed here.

is.dataFormat.integer
is.nullable
The attribute value can be set to NULL.

is.localized.displayedAs
Holds the list of language specific display text for an object.

ParameterValueData typeExplanation
localizedDisplayText
languageTagdisplayText
enMortgage Loan Type ID
entitya reference to the constant entity holding the list of localized text

is.localized.describedAs
Holds the list of language specific descriptive text for an object.

ParameterValueData typeExplanation
localizedDisplayText
languageTagdisplayText
enThe unique identifier of a Mortgage Loan Type.
entitya reference to the constant entity holding the list of localized text

is.linkedEntity.identifier
Marks the attributes that hold foreign key references to a linked (used as an attribute) entity. This attribute is added to the resolved entity to enumerate the referenced entities.

ParameterValueData typeExplanation
entityReferences
entityReferenceattributeReference
MortgageLoanType.cdm.json/MortgageLoanTypeMortgageLoanTypeId
entitya reference to the constant entity holding the list of entity references

has.schemaObjectIdentifier
The schema object has an identifier, which is a string, specified as the parameter of the trait. It allows writers to define more identification values.

ParameterValueData typeExplanation
identifier"{3661CB66-C615-46E3-AFE7-B91198F8F77E}"stringThe identifier for the schema object. There's no uniqueness guarantee enforced by CDM. It's a contract between reader and writer of the schema.

is.dataFormat.integer

CustomerId

The unique identifier of a Customer. First included in: Sustainability/esg-data-model/MortgageLoanSummary (this entity)

Properties

NameValue
displayNameCustomer ID
descriptionThe unique identifier of a Customer.
dataFormatint64
isNullabletrue

Traits

List of traits for the CustomerId attribute are listed here.

is.dataFormat.integer
is.dataFormat.big
indicates an atomic but multi-unit version of a fundamental type such as a multi byte encoded character, a double precision float, a long integer.

is.nullable
The attribute value can be set to NULL.

is.localized.displayedAs
Holds the list of language specific display text for an object.

ParameterValueData typeExplanation
localizedDisplayText
languageTagdisplayText
enCustomer ID
entitya reference to the constant entity holding the list of localized text

is.localized.describedAs
Holds the list of language specific descriptive text for an object.

ParameterValueData typeExplanation
localizedDisplayText
languageTagdisplayText
enThe unique identifier of a Customer.
entitya reference to the constant entity holding the list of localized text

is.linkedEntity.identifier
Marks the attributes that hold foreign key references to a linked (used as an attribute) entity. This attribute is added to the resolved entity to enumerate the referenced entities.

ParameterValueData typeExplanation
entityReferences
entityReferenceattributeReference
IndividualCustomer.cdm.json/IndividualCustomerCustomerId
entitya reference to the constant entity holding the list of entity references

has.schemaObjectIdentifier
The schema object has an identifier, which is a string, specified as the parameter of the trait. It allows writers to define more identification values.

ParameterValueData typeExplanation
identifier"{E07E98BE-E22D-4F65-AC8C-A0B204A25746}"stringThe identifier for the schema object. There's no uniqueness guarantee enforced by CDM. It's a contract between reader and writer of the schema.

is.dataFormat.integer
is.dataFormat.big
indicates an atomic but multi-unit version of a fundamental type such as a multi byte encoded character, a double precision float, a long integer.