Mortgage Loan Summary in ESG data model

Traits

Traits for this entity are listed here.

is.CDM.entityVersion

Parameter	Value	Data type	Explanation
versionNumber	"4.3"	string	semantic version number of the entity

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

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en Base entity from which all ESG Data Model entities are derived. en A 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.	entity	a reference to the constant entity holding the list of localized text

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

Parameter	Value	Data type	Explanation
attribute	MortgageLoanSummary/(resolvedAttributes)/MortgageLoanAccountNumber	attribute

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

Parameter	Value	Data type	Explanation
versionNumber	"1.2.3"	string

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

Parameter	Value	Data type	Explanation
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.

Parameter	Value	Data type	Explanation
identifier	"{9958EFCF-EA2E-4010-AA7E-453AF059E3AF}"	string	The 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.

Parameter	Value	Data type	Explanation
name	"Customer Credit & Collections"	string

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

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en Mortgage Loan Summary	entity	a 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.

Parameter	Value	Data type	Explanation
level	"resolved"	string	Possible 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

Name	Value
displayName	Credit Grantor ID
description	The unique identifier of a Credit Grantor.
isPrimaryKey	true
dataFormat	int32

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

Parameter	Value	Data type	Explanation
attribute	MortgageLoanSummary/(resolvedAttributes)/CreditGrantorId	attribute

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.

Parameter	Value	Data type	Explanation
entityReferences	entityReference attributeReference CreditGrantor.cdm.json/CreditGrantor CreditGrantorId	entity	a 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.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en Credit Grantor ID	entity	a 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.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en The unique identifier of a Credit Grantor.	entity	a 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.

Parameter	Value	Data type	Explanation
identifier	"{C97366E3-2D8B-427A-B9B0-A81CD91ED43F}"	string	The 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

Name	Value
displayName	Mortgage Loan Account Number
description	The unique identifier of a Customer Account.
isPrimaryKey	true
dataFormat	string
maximumLength	20

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

Parameter	Value	Data type	Explanation
attribute	MortgageLoanSummary/(resolvedAttributes)/MortgageLoanAccountNumber	attribute

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.

Parameter	Value	Data type	Explanation
identifier	"{D1CF6BBB-16C7-429E-94BE-5FCDFE21D8C0}"	string	The 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.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en Mortgage Loan Account Number	entity	a 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.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en The unique identifier of a Customer Account.	entity	a reference to the constant entity holding the list of localized text

is.constrained
maximum length or value constraints

Parameter	Value	Data type	Explanation
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

Name	Value
displayName	Property Legal Description
description	A property description, recognized by law that is sufficient to locate and identify the property without oral testimony.
dataFormat	string
maximumLength	2048
isNullable	true

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.

Parameter	Value	Data type	Explanation
identifier	"{7BAD6ADE-A031-41F6-97FF-8C73A27C962E}"	string	The 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.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en Property Legal Description	entity	a 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.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en A property description, recognized by law that is sufficient to locate and identify the property without oral testimony.	entity	a reference to the constant entity holding the list of localized text

is.constrained
maximum length or value constraints

Parameter	Value	Data type	Explanation
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

Name	Value
displayName	Mortgage Loan Amount
description	The amount of the mortgage loan.
dataFormat	decimal
isNullable	true

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

Parameter	Value	Data type	Explanation
precision	"18"	integer	the total number of significant digits
scale	"2"	integer	the 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.

Parameter	Value	Data type	Explanation
identifier	"{846C7887-8632-4439-9BA5-7D6DCE65E9A3}"	string	The 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.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en Mortgage Loan Amount	entity	a 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.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en The amount of the mortgage loan.	entity	a 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

Name	Value
displayName	Principal Amount
description	The amount owed on a loan, excluding interest.
dataFormat	decimal
isNullable	true

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

Parameter	Value	Data type	Explanation
precision	"18"	integer	the total number of significant digits
scale	"2"	integer	the 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.

Parameter	Value	Data type	Explanation
identifier	"{37D798F9-1C6E-4F66-B440-13624214E625}"	string	The 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.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en Principal Amount	entity	a 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.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en The amount owed on a loan, excluding interest.	entity	a 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

Name	Value
displayName	Original Principal Balance Amount
description	The total amount of principal owed on a mortgage before any payments are made.
dataFormat	decimal
isNullable	true

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

Parameter	Value	Data type	Explanation
precision	"18"	integer	the total number of significant digits
scale	"2"	integer	the 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.

Parameter	Value	Data type	Explanation
identifier	"{AAE2935E-F4F5-4653-B0A9-8288CCABA224}"	string	The 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.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en Original Principal Balance Amount	entity	a 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.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en The total amount of principal owed on a mortgage before any payments are made.	entity	a 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

Name	Value
displayName	Lock Period
description	The period, expressed in days, during which a lender will guarantee a rate.
dataFormat	int32
isNullable	true

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.

Parameter	Value	Data type	Explanation
identifier	"{2DA31AE9-7D95-4FD6-BA83-5E678FF4657E}"	string	The 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.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en Lock Period	entity	a 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.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en The period, expressed in days, during which a lender will guarantee a rate.	entity	a 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

Name	Value
displayName	Down Payment Amount
description	The part of the purchase price, which the buyer pays in cash and does not finance with a mortgage
dataFormat	decimal
isNullable	true

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

Parameter	Value	Data type	Explanation
precision	"18"	integer	the total number of significant digits
scale	"2"	integer	the 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.

Parameter	Value	Data type	Explanation
identifier	"{E45515E5-648B-4DF4-A049-EA2D32D7792F}"	string	The 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.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en Down Payment Amount	entity	a 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.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en The part of the purchase price, which the buyer pays in cash and does not finance with a mortgage	entity	a 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

Name	Value
displayName	Deposit Amount
description	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.
dataFormat	decimal
isNullable	true

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

Parameter	Value	Data type	Explanation
precision	"18"	integer	the total number of significant digits
scale	"2"	integer	the 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.

Parameter	Value	Data type	Explanation
identifier	"{42F8E78A-41F0-4ACB-83CC-7E17BCAAEAF9}"	string	The 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.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en Deposit Amount	entity	a 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.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en 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.	entity	a 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

Name	Value
displayName	Finance Charge Amount
description	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.
dataFormat	decimal
isNullable	true

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

Parameter	Value	Data type	Explanation
precision	"18"	integer	the total number of significant digits
scale	"2"	integer	the 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.

Parameter	Value	Data type	Explanation
identifier	"{CB2E1E97-2C79-4615-95E3-CEB7D2E259C0}"	string	The 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.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en Finance Charge Amount	entity	a 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.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en 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.	entity	a 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

Name	Value
displayName	Earnest Money Amount
description	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.
dataFormat	decimal
isNullable	true

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

Parameter	Value	Data type	Explanation
precision	"18"	integer	the total number of significant digits
scale	"2"	integer	the 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.

Parameter	Value	Data type	Explanation
identifier	"{F266E6CE-B6E3-4DBE-8ADD-90F932653087}"	string	The 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.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en Earnest Money Amount	entity	a 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.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en 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.	entity	a 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

Name	Value
displayName	Amortization Term
description	The amount of time required to amortize the mortgage loan. The amortization term is expressed as a number of months.
dataFormat	int32
isNullable	true

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.

Parameter	Value	Data type	Explanation
identifier	"{BDBC6F6B-F04F-4FB5-AB4B-0B429FBE1F26}"	string	The 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.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en Amortization Term	entity	a 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.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en The amount of time required to amortize the mortgage loan. The amortization term is expressed as a number of months.	entity	a 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

Name	Value
displayName	Grace Period
description	A time allowed, usually 15 days, for making late payments without a penalty
dataFormat	int32
isNullable	true

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.

Parameter	Value	Data type	Explanation
identifier	"{D6A61E48-B5AB-470C-B2F6-15AA1C05EA3B}"	string	The 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.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en Grace Period	entity	a 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.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en A time allowed, usually 15 days, for making late payments without a penalty	entity	a 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

Name	Value
displayName	Cash Out Amount
description	A loan transaction in which the borrower receives funds at the time of closing.
dataFormat	decimal
isNullable	true

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

Parameter	Value	Data type	Explanation
precision	"18"	integer	the total number of significant digits
scale	"2"	integer	the 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.

Parameter	Value	Data type	Explanation
identifier	"{8A3904DC-F1E2-4A2B-9C97-DBE92EB49815}"	string	The 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.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en Cash Out Amount	entity	a 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.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en A loan transaction in which the borrower receives funds at the time of closing.	entity	a 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

Name	Value
displayName	Loan-To-Value Ratio (LTV)
description	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.
dataFormat	int32
isNullable	true

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.

Parameter	Value	Data type	Explanation
identifier	"{0681365B-ECC5-4ED6-B4CA-E3390F1EFBAA}"	string	The 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.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en Loan-To-Value Ratio (LTV)	entity	a 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.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en 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.	entity	a 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

Name	Value
displayName	Seller-Provided Funds Amount
description	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.
dataFormat	decimal
isNullable	true

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

Parameter	Value	Data type	Explanation
precision	"18"	integer	the total number of significant digits
scale	"2"	integer	the 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.

Parameter	Value	Data type	Explanation
identifier	"{68505A68-743B-47A2-A2E8-06EE7F334B20}"	string	The 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.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en Seller-Provided Funds Amount	entity	a 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.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en 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.	entity	a 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

Name	Value
displayName	Seller-Provided Funds Description
description	A description of the terms and conditions associated with the seller-provided funds.
dataFormat	string
maximumLength	2048
isNullable	true

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.

Parameter	Value	Data type	Explanation
identifier	"{A495EA99-B6C9-4269-9F42-9AE290181D78}"	string	The 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.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en Seller-Provided Funds Description	entity	a 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.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en A description of the terms and conditions associated with the seller-provided funds.	entity	a reference to the constant entity holding the list of localized text

is.constrained
maximum length or value constraints

Parameter	Value	Data type	Explanation
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

Name	Value
displayName	Initial Borrower Payment Rate
description	The annual interest rate used to calculate the borrower's initial cash payment.
dataFormat	int32
isNullable	true

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.

Parameter	Value	Data type	Explanation
identifier	"{70B97EA9-7A74-4841-B8B5-9A862648B47C}"	string	The 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.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en Initial Borrower Payment Rate	entity	a 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.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en The annual interest rate used to calculate the borrower's initial cash payment.	entity	a 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

Name	Value
displayName	APR Base Interest Rate
description	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.
dataFormat	int32
isNullable	true

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.

Parameter	Value	Data type	Explanation
identifier	"{5108F09F-AA31-4193-95F6-1975759111BD}"	string	The 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.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en APR Base Interest Rate	entity	a 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.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en 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.	entity	a 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

Name	Value
displayName	Payment Discount Interest Rate
description	In a payment discount, the lender reduces the first year's interest rate to make the mortgagor more attractive to borrowers.
dataFormat	int32
isNullable	true

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.

Parameter	Value	Data type	Explanation
identifier	"{3514D546-8B15-4C6C-9C50-60F5D9CCF4C2}"	string	The 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.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en Payment Discount Interest Rate	entity	a 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.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en In a payment discount, the lender reduces the first year's interest rate to make the mortgagor more attractive to borrowers.	entity	a 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

Name	Value
displayName	Interest Rate Cap
description	A provision of an ARM limiting how much interest rates may increase per adjustment period.
dataFormat	int32
isNullable	true

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.

Parameter	Value	Data type	Explanation
identifier	"{D4CA1670-3A23-45DD-B003-EF7AAD707988}"	string	The 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.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en Interest Rate Cap	entity	a 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.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en A provision of an ARM limiting how much interest rates may increase per adjustment period.	entity	a 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

Name	Value
displayName	Interest Rate Floor
description	For an adjustable-rate mortgage (ARM), the minimum interest rate, as specified in the mortgage note.
dataFormat	int32
isNullable	true

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.

Parameter	Value	Data type	Explanation
identifier	"{4C750A23-794C-4969-AF7C-9377872E90E0}"	string	The 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.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en Interest Rate Floor	entity	a 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.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en For an adjustable-rate mortgage (ARM), the minimum interest rate, as specified in the mortgage note.	entity	a 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

Name	Value
displayName	Interest Accrual Rate
description	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.
dataFormat	int32
isNullable	true

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.

Parameter	Value	Data type	Explanation
identifier	"{3BAF547D-7BDA-425F-8902-B854A4DE641A}"	string	The 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.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en Interest Accrual Rate	entity	a 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.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en 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.	entity	a 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

Name	Value
displayName	Initial Interest Rate
description	The original interest rate of the mortgage at the time of closing.
dataFormat	int32
isNullable	true

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.

Parameter	Value	Data type	Explanation
identifier	"{C8B22203-2537-454D-927C-08D6D1C06DF8}"	string	The 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.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en Initial Interest Rate	entity	a 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.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en The original interest rate of the mortgage at the time of closing.	entity	a 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

Name	Value
displayName	Periodic Rate Cap
description	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.
dataFormat	int32
isNullable	true

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.

Parameter	Value	Data type	Explanation
identifier	"{B734398F-CAF7-438A-AC26-CBD4E37249AA}"	string	The 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.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en Periodic Rate Cap	entity	a 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.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en 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.	entity	a 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

Name	Value
displayName	Life Of Loan Cap
description	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).
dataFormat	int32
isNullable	true

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.

Parameter	Value	Data type	Explanation
identifier	"{570E9E2D-427C-4ED6-8A8C-FFFB86472DA7}"	string	The 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.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en Life Of Loan Cap	entity	a 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.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en 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).	entity	a 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

Name	Value
displayName	CAP - Each Adjustment Period Percentage Cap
description	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.
dataFormat	int32
isNullable	true

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.

Parameter	Value	Data type	Explanation
identifier	"{32F43242-3E4C-4444-BB09-1E7BE2629ADD}"	string	The 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.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en CAP - Each Adjustment Period Percentage Cap	entity	a 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.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en 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.	entity	a 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

Name	Value
displayName	CAP - Subsequent Adjustment Period Percentage CAP
description	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.
dataFormat	int32
isNullable	true

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.

Parameter	Value	Data type	Explanation
identifier	"{CF8D8E6D-A4A8-49C8-916B-6CD401D0093A}"	string	The 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.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en CAP - Subsequent Adjustment Period Percentage CAP	entity	a 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.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en 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.	entity	a 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

Name	Value
displayName	CAP - Lifetime Adjustment Percentage
description	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.
dataFormat	decimal
isNullable	true

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

Parameter	Value	Data type	Explanation
precision	"22"	integer	the total number of significant digits
scale	"10"	integer	the 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.

Parameter	Value	Data type	Explanation
identifier	"{8D5B3F65-EDB9-4532-8A54-AAA505FE35CC}"	string	The 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.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en CAP - Lifetime Adjustment Percentage	entity	a 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.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en 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.	entity	a 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

Name	Value
displayName	ARM Interest Rate Cap Amount
description	A provision of an ARM limiting how much the interest rate may increase.
dataFormat	decimal
isNullable	true

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

Parameter	Value	Data type	Explanation
precision	"18"	integer	the total number of significant digits
scale	"2"	integer	the 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.

Parameter	Value	Data type	Explanation
identifier	"{3392FF1F-7E27-4E8A-A4A8-ED1B75F82F55}"	string	The 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.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en ARM Interest Rate Cap Amount	entity	a 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.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en A provision of an ARM limiting how much the interest rate may increase.	entity	a 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

Name	Value
displayName	ARM Lifetime Cap
description	A provision of an ARM that limits the total increase in interest rates over the life of the loan.
dataFormat	int32
isNullable	true

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.

Parameter	Value	Data type	Explanation
identifier	"{66E7CE8C-AADC-442D-9723-71BAD21F4F09}"	string	The 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.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en ARM Lifetime Cap	entity	a 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.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en A provision of an ARM that limits the total increase in interest rates over the life of the loan.	entity	a 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

Name	Value
displayName	ARM Adjustment Date
description	The date on which the interest rate changes for an adjustable-rate mortgage (ARM).
dataFormat	date
isNullable	true

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.

Parameter	Value	Data type	Explanation
identifier	"{968AF81F-25CA-4D22-B74C-2A87B4618F04}"	string	The 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.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en ARM Adjustment Date	entity	a 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.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en The date on which the interest rate changes for an adjustable-rate mortgage (ARM).	entity	a 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

Name	Value
displayName	ARM Mortgage Payment Cap Amount
description	A provision of an ARM limiting how much the mortgage payments may increase.
dataFormat	decimal
isNullable	true

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

Parameter	Value	Data type	Explanation
precision	"18"	integer	the total number of significant digits
scale	"2"	integer	the 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.

Parameter	Value	Data type	Explanation
identifier	"{1E409C6C-9919-48A6-B68F-BB4C6A0BBD27}"	string	The 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.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en ARM Mortgage Payment Cap Amount	entity	a 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.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en A provision of an ARM limiting how much the mortgage payments may increase.	entity	a 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

Name	Value
displayName	ARM Change Frequency
description	The frequency (in months) of payment or interest rate changes in an adjustable-rate mortgage (ARM).
dataFormat	decimal
isNullable	true

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

Parameter	Value	Data type	Explanation
precision	"3"	integer	the total number of significant digits
scale	"0"	integer	the 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.

Parameter	Value	Data type	Explanation
identifier	"{8A7E3B0B-8BC8-4ED6-8B65-1057C2F834E3}"	string	The 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.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en ARM Change Frequency	entity	a 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.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en The frequency (in months) of payment or interest rate changes in an adjustable-rate mortgage (ARM).	entity	a 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

Name	Value
displayName	Delinquent Loan Indicator
description	A loan in which a payment is overdue but not yet in default.
dataFormat	boolean
isNullable	true

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.

Parameter	Value	Data type	Explanation
identifier	"{BC682138-6D77-4F0F-A363-C73BF5FABCA1}"	string	The 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.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en Delinquent Loan Indicator	entity	a 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.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en A loan in which a payment is overdue but not yet in default.	entity	a 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

Name	Value
displayName	Credit Loan Indicator
description	A credit loan is a mortgage that is issued on only the financial strength of a borrower, without great regard for collateral.
dataFormat	boolean
isNullable	true

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.

Parameter	Value	Data type	Explanation
identifier	"{A44F2CD7-952A-4F68-885A-50CDCE034728}"	string	The 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.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en Credit Loan Indicator	entity	a 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.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en A credit loan is a mortgage that is issued on only the financial strength of a borrower, without great regard for collateral.	entity	a 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

Name	Value
displayName	First Mortgage Indicator
description	A mortgage that has priority over other mortgages. The mortgage that has first claim in the event of default.
dataFormat	boolean
isNullable	true

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.

Parameter	Value	Data type	Explanation
identifier	"{29BCD219-062F-439C-A1DE-CF00B40D2C49}"	string	The 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.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en First Mortgage Indicator	entity	a 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.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en A mortgage that has priority over other mortgages. The mortgage that has first claim in the event of default.	entity	a 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

Name	Value
displayName	Second Mortgage Indicator
description	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.
dataFormat	boolean
isNullable	true

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.

Parameter	Value	Data type	Explanation
identifier	"{64629F80-1740-4959-BEEB-46A11D4197C9}"	string	The 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.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en Second Mortgage Indicator	entity	a 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.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en 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.	entity	a 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

Name	Value
displayName	Balloon Loan Indicator
description	A mortgage with a balloon payment.
dataFormat	boolean
isNullable	true

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.

Parameter	Value	Data type	Explanation
identifier	"{9B64276F-357A-496C-8A7E-B7D9DA99D325}"	string	The 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.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en Balloon Loan Indicator	entity	a 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.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en A mortgage with a balloon payment.	entity	a 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

Name	Value
displayName	Secured Loan Indicator
description	A loan that is backed by collateral.
dataFormat	boolean
isNullable	true

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.

Parameter	Value	Data type	Explanation
identifier	"{FCC1E1A4-FF28-4E14-88C3-28AE264707A6}"	string	The 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.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en Secured Loan Indicator	entity	a 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.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en A loan that is backed by collateral.	entity	a 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

Name	Value
displayName	Rehabilitation Mortgage Indicator
description	A mortgage created to cover the costs of repairing, improving, and sometimes acquiring an existing property.
dataFormat	boolean
isNullable	true

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.

Parameter	Value	Data type	Explanation
identifier	"{215E75F1-BD30-4572-A16F-1B7E21FB33A4}"	string	The 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.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en Rehabilitation Mortgage Indicator	entity	a 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.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en A mortgage created to cover the costs of repairing, improving, and sometimes acquiring an existing property.	entity	a 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

Name	Value
displayName	Unsecured Loan Indicator
description	A loan that is not backed by collateral.
dataFormat	boolean
isNullable	true

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.

Parameter	Value	Data type	Explanation
identifier	"{8C5A7110-2D80-4D98-B86F-6B2EADC5BD0E}"	string	The 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.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en Unsecured Loan Indicator	entity	a 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.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en A loan that is not backed by collateral.	entity	a 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

Name	Value
displayName	Conventional Loan Indicator
description	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.
dataFormat	boolean
isNullable	true

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.

Parameter	Value	Data type	Explanation
identifier	"{238D4156-FDD2-4648-A48B-4823053A15FA}"	string	The 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.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en Conventional Loan Indicator	entity	a 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.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en 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.	entity	a 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

Name	Value
displayName	Assumable Mortgage Indicator
description	A mortgage that can be taken over by the buyer when the house is sold.
dataFormat	boolean
isNullable	true

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.

Parameter	Value	Data type	Explanation
identifier	"{D54C6033-CDDF-4B94-BF04-E7DF1EB124EC}"	string	The 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.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en Assumable Mortgage Indicator	entity	a 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.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en A mortgage that can be taken over by the buyer when the house is sold.	entity	a 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

Name	Value
displayName	Intermediate-Term Mortgage Indicator
description	A mortgage loan with a stated maturity at the time of purchase that it is equal to or less than 20 years.
dataFormat	boolean
isNullable	true

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.

Parameter	Value	Data type	Explanation
identifier	"{268B17A2-4241-4699-9313-D5CCDF153B61}"	string	The 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.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en Intermediate-Term Mortgage Indicator	entity	a 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.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en A mortgage loan with a stated maturity at the time of purchase that it is equal to or less than 20 years.	entity	a 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

Name	Value
displayName	Roll-Over Loan Indicator
description	A loan that /includes a call date earlier than its normal amortization period.
dataFormat	boolean
isNullable	true

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.

Parameter	Value	Data type	Explanation
identifier	"{BB57E49C-4A6F-48AD-95EB-2F9250707490}"	string	The 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.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en Roll-Over Loan Indicator	entity	a 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.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en A loan that /includes a call date earlier than its normal amortization period.	entity	a 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

Name	Value
displayName	No-Doc Loan Indicator
description	Loans made where the lender does not require verification of income. Interest rates are typically higher on these types of loans.
dataFormat	boolean
isNullable	true

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.

Parameter	Value	Data type	Explanation
identifier	"{B4BA98C0-0CE0-449E-BEA9-AF5403477489}"	string	The 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.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en No-Doc Loan Indicator	entity	a 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.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en Loans made where the lender does not require verification of income. Interest rates are typically higher on these types of loans.	entity	a 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

Name	Value
displayName	Subprime Mortgage Indicator
description	Mortgages that aren't conforming mortgages and that are typically made to a person with less than perfect credit, income, or property.
dataFormat	boolean
isNullable	true

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.

Parameter	Value	Data type	Explanation
identifier	"{FF4F915B-4CFF-45F2-8D52-89AD2C97A7CA}"	string	The 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.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en Subprime Mortgage Indicator	entity	a 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.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en Mortgages that aren't conforming mortgages and that are typically made to a person with less than perfect credit, income, or property.	entity	a 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

Name	Value
displayName	Second Home Mortgage Indicator
description	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.
dataFormat	boolean
isNullable	true

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.

Parameter	Value	Data type	Explanation
identifier	"{67DEC9A9-4F8C-42FD-88AF-D9BAD26D780B}"	string	The 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.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en Second Home Mortgage Indicator	entity	a 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.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en 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.	entity	a 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

Name	Value
displayName	Insured Mortgage Indicator
description	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
dataFormat	boolean
isNullable	true

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.

Parameter	Value	Data type	Explanation
identifier	"{2955AC37-A37D-4689-A795-0E7FE36AA0D2}"	string	The 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.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en Insured Mortgage Indicator	entity	a 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.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en 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	entity	a 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

Name	Value
displayName	Conforming Mortgage Indicator
description	A loan that conforms to the guidelines established by Fannie Mae or Freddie Mac.
dataFormat	boolean
isNullable	true

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.

Parameter	Value	Data type	Explanation
identifier	"{99C0991E-3C91-4C01-BE1C-40A7973B9286}"	string	The 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.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en Conforming Mortgage Indicator	entity	a 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.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en A loan that conforms to the guidelines established by Fannie Mae or Freddie Mac.	entity	a 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

Name	Value
displayName	Construction Loan Indicator
description	A short-term loan for funding the cost of construction. The lender advances funds to the builder as the work progresses.
dataFormat	boolean
isNullable	true

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.

Parameter	Value	Data type	Explanation
identifier	"{12920A4A-F0E5-43D1-B19E-06912C1C3A13}"	string	The 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.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en Construction Loan Indicator	entity	a 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.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en A short-term loan for funding the cost of construction. The lender advances funds to the builder as the work progresses.	entity	a 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

Name	Value
displayName	Home Equity Conversion Mortgage Indicator
description	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.
dataFormat	boolean
isNullable	true

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.

Parameter	Value	Data type	Explanation
identifier	"{967EDC86-EC3A-4B80-A92D-3BEC12E52500}"	string	The 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.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en Home Equity Conversion Mortgage Indicator	entity	a 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.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en 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.	entity	a 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

Name	Value
displayName	Reverse Annuity Mortgage Indicator
description	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.
dataFormat	boolean
isNullable	true

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.

Parameter	Value	Data type	Explanation
identifier	"{703E6555-4DC1-428E-AA3D-143A24F0BB0A}"	string	The 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.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en Reverse Annuity Mortgage Indicator	entity	a 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.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en 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.	entity	a 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

Name	Value
displayName	Equity Loan Indicator
description	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.
dataFormat	boolean
isNullable	true

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.

Parameter	Value	Data type	Explanation
identifier	"{D696B499-5DB3-488D-8CE6-DD24627FCDC3}"	string	The 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.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en Equity Loan Indicator	entity	a 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.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en 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.	entity	a 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

Name	Value
displayName	Graduated 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.
dataFormat	boolean
isNullable	true

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.

Parameter	Value	Data type	Explanation
identifier	"{4A70202B-D11F-4E38-9815-57D23A0738BF}"	string	The 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.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en Graduated Payment Mortgage Indicator	entity	a 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.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText 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.	entity	a 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

Name	Value
displayName	Growing 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.
dataFormat	boolean
isNullable	true

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.

Parameter	Value	Data type	Explanation
identifier	"{F03353AE-50B3-4119-AB64-D53B42EEFE9D}"	string	The 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.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en Growing Equity Mortgage Indicator	entity	a 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.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText 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.	entity	a 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

Name	Value
displayName	Fully Amortized ARM Indicator
description	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.
dataFormat	boolean
isNullable	true

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.

Parameter	Value	Data type	Explanation
identifier	"{1E0362AC-8246-4CF8-B21C-7530747D5992}"	string	The 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.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en Fully Amortized ARM Indicator	entity	a 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.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en 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.	entity	a 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

Name	Value
displayName	Fixed Rate Mortgage Indicator
description	(FRM) A mortgage in which the interest rate does not change during the entire term of the loan.
dataFormat	boolean
isNullable	true

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.

Parameter	Value	Data type	Explanation
identifier	"{87FB0FA9-FE64-4BF9-BBE1-B258AF405606}"	string	The 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.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en Fixed Rate Mortgage Indicator	entity	a 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.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en (FRM) A mortgage in which the interest rate does not change during the entire term of the loan.	entity	a 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

Name	Value
displayName	Adjustable Mortgage Indicator
description	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.
dataFormat	boolean
isNullable	true

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.

Parameter	Value	Data type	Explanation
identifier	"{E033065B-FE95-4847-8591-851E777D5555}"	string	The 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.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en Adjustable Mortgage Indicator	entity	a 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.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en 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.	entity	a 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

Name	Value
displayName	Convertible ARM Indicator
description	An adjustable-rate mortgage that can be converted to a fixed-rate mortgage under specified conditions.
dataFormat	boolean
isNullable	true

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.

Parameter	Value	Data type	Explanation
identifier	"{3685EF95-6DDE-4B75-9F82-C9DFD33DC586}"	string	The 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.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en Convertible ARM Indicator	entity	a 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.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en An adjustable-rate mortgage that can be converted to a fixed-rate mortgage under specified conditions.	entity	a 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

Name	Value
displayName	Wraparound Mortgage Indicator
description	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.
dataFormat	boolean
isNullable	true

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.

Parameter	Value	Data type	Explanation
identifier	"{0CFC17FF-85AE-413C-807E-B91CC3CA0F53}"	string	The 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.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en Wraparound Mortgage Indicator	entity	a 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.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en 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.	entity	a 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

Name	Value
displayName	No Cost Loan Indicator
description	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.
dataFormat	boolean
isNullable	true

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.

Parameter	Value	Data type	Explanation
identifier	"{7AE9485C-72A0-4073-9871-2E46403072BE}"	string	The 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.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en No Cost Loan Indicator	entity	a 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.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en 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.	entity	a 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

Name	Value
displayName	Two-Step Mortgage Indicator
description	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.
dataFormat	boolean
isNullable	true

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.

Parameter	Value	Data type	Explanation
identifier	"{41A9E6C9-A29D-4AF0-92A9-AA2600C1CC52}"	string	The 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.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en Two-Step Mortgage Indicator	entity	a 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.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en 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.	entity	a 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

Name	Value
displayName	Property ID
description	The unique identifier of a Property.
dataFormat	int64
isNullable	true

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.

Parameter	Value	Data type	Explanation
identifier	"{EC7E8577-73EA-4906-9D1F-4AFEEFD8CB2B}"	string	The 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.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en Property ID	entity	a 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.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en The unique identifier of a Property.	entity	a 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

Name	Value
displayName	Mortgage Loan Type ID
description	The unique identifier of a Mortgage Loan Type.
dataFormat	int32
isNullable	true

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.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en Mortgage Loan Type ID	entity	a 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.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en The unique identifier of a Mortgage Loan Type.	entity	a 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.

Parameter	Value	Data type	Explanation
entityReferences	entityReference attributeReference MortgageLoanType.cdm.json/MortgageLoanType MortgageLoanTypeId	entity	a 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.

Parameter	Value	Data type	Explanation
identifier	"{3661CB66-C615-46E3-AFE7-B91198F8F77E}"	string	The 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

Name	Value
displayName	Customer ID
description	The unique identifier of a Customer.
dataFormat	int64
isNullable	true

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.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en Customer ID	entity	a 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.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en The unique identifier of a Customer.	entity	a 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.

Parameter	Value	Data type	Explanation
entityReferences	entityReference attributeReference IndividualCustomer.cdm.json/IndividualCustomer CustomerId	entity	a 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.

Parameter	Value	Data type	Explanation
identifier	"{E07E98BE-E22D-4F65-AC8C-A0B204A25746}"	string	The 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.