RECORD_ID | A unique identifier for the record. | Hexadecimal integer |
LEAD_ID | A unique identifier for the lead. One lead may have multiple records. | Hexadecimal integer |
LENDER_ID | A unique identifier for the lender. | Hexadecimal integer |
EXCHANGE_TYPE | Long (1) or short (2) form. Short form lenders do not report closed loans, and thus these records will never appear as being funded (though they could be in actuality). | Integer |
DATE | The date that the lead arrived, in minutes since midnight, 1/1/2005. | Hexadecimal integer |
LEAD_TYPE | Indicate that the lead was sent to the internal lending branch (2), or forwarded to other institutions (1). | Integer |
CONSUMER_ID | A unique identifier for the applicant. | Hexadecimal integer |
LOAN_TYPE | The type of loan requested. | See key |
LOAN_AMOUNT | The amount, in dollars, of the loan requested. | Integer |
CREDIT_SCORE | The applicant's credit score (can be -1 or 0 if this is missing). | Integer |
LTV | The loan to value ratio: amount requested / property value (or purchase price). -1 if missing. | Decimal |
CLTV | The cumulative loan to value ratio: (outstanding loans + amount requested) / property value. -1 if missing. | Decimal |
STATE | The state that the property resides in. | String (two letter state codes or "Unknown") |
LAST_BANKRUPTCY | The last time the applicant filed for bankruptcy. | See key |
FIRST_TIME_HOME_BUYER | Is the applicant a first time home buyer?. | Boolean (1 for yes, 0 for no) |
FOUND_HOME | For purchase mortgages only, has the applicant already found the home? | Boolean |
PROPERTY_TYPE | Type of property. | See key |
PROPERTY_USE | What the property will be used for. | See key |
CHANNEL | An internal grouping of partners. | See key |
PARTNER | How did the applicant get to the application website? | See key |
MATCH_FEE | The upfront fee paid by this lender to receive this lead. -1 if missing. | Integer |
FILTER_CLASS_LOOKUP | A code pertaining to how the lenders filter the results they receive. -1 if missing. | Integer |
DTI | The applicant's debt payments to income ratio. -1 if missing. | Decimal |
CURRENT_LOAN_INTEREST_RATE | If the loan is a refinance loan, what is the current rate on the loan. (-1 for non-refinance loans and missing values) | Decimal |
CASH_OUT_REFINANCE | If the loan is a refinance loan, is the applicant requesting more than the current balance (getting cash out). | Boolean (or -1 when missing) |