attrib nsmoid length = 8. format = PIDFM. label = "NSMO Identification Number" survey_wave length = 3. format = PWVFM. label = "NSMO Survey Wave (Quarterly)" analysis_weight length = 8. format = PWGTFM. label = "NSMO Analysis Weight (Sampling Weight x Non-response Adjustment)" x05a length = 3. format = PVERYFM. label = "X05A: When you began the process of getting this mortgage, how familiar were you (and any co-signers) with each of the following? | The mortgage interest rates available at that time" x05b length = 3. format = PVERYFM. label = "X05B: When you began the process of getting this mortgage, how familiar were you (and any co-signers) with each of the following? | The different types of mortgages available" x05c length = 3. format = PVERYFM. label = "X05C: When you began the process of getting this mortgage, how familiar were you (and any co-signers) with each of the following? | The mortgage process" x05d length = 3. format = PVERYFM. label = "X05D: When you began the process of getting this mortgage, how familiar were you (and any co-signers) with each of the following? | The down payment needed to qualify for a mortgage" x05e length = 3. format = PVERYFM. label = "X05E: When you began the process of getting this mortgage, how familiar were you (and any co-signers) with each of the following? | The income needed to qualify for a mortgage" x05f length = 3. format = PVERYFM. label = "X05F: When you began the process of getting this mortgage, how familiar were you (and any co-signers) with each of the following? | Your credit history or credit score" x05g length = 3. format = PVERYFM. label = "X05G: When you began the process of getting this mortgage, how familiar were you (and any co-signers) with each of the following? | The money needed at closing" x06 length = 3. format = PVERYFM. label = "X06: When you began the process of getting this mortgage, how concerned were you about qualifying for a mortgage?" x07 length = 3. format = PIDEAFM. label = "X07: How firm an idea did you have about the mortgage you wanted?" x08a length = 3. format = PLOTFM. label = "X08A: How much did you use each of the following sources to get information about mortgages or mortgage lenders? | Your mortgage lender/broker" x08b length = 3. format = PLOTFM. label = "X08B: How much did you use each of the following sources to get information about mortgages or mortgage lenders? | Other mortgage lenders/brokers" x08c length = 3. format = PLOTFM. label = "X08C: How much did you use each of the following sources to get information about mortgages or mortgage lenders? | Real estate agents or builders" x08d length = 3. format = PLOTFM. label = "X08D: How much did you use each of the following sources to get information about mortgages or mortgage lenders? | Material in the mail" x08e length = 3. format = PLOTFM. label = "X08E: How much did you use each of the following sources to get information about mortgages or mortgage lenders? | Websites that provide information on getting a mortgage" x08f length = 3. format = PLOTFM. label = "X08F: How much did you use each of the following sources to get information about mortgages or mortgage lenders? | Newspaper/TV/Radio (Waves 4-34)" x08g length = 3. format = PLOTFM. label = "X08G: How much did you use each of the following sources to get information about mortgages or mortgage lenders? | Friends/relatives/co-workers" x08h length = 3. format = PLOTFM. label = "X08H: How much did you use each of the following sources to get information about mortgages or mortgage lenders? | Bankers, credit unions or financial planners" x08i length = 3. format = PLOTFM. label = "X08I: How much did you use each of the following sources to get information about mortgages or mortgage lenders? | Housing counselors" x09 length = 3. format = PPICKFM. label = "X09: Which one of the following best describes your shopping process?" x10 length = 3. format = PAPPFM. label = "X10: Which one of the following best describes how you applied for this mortgage?" x11 length = 3. format = PLENDFM. label = "X11: How many different mortgage lenders/brokers did you seriously consider before choosing where to apply for this mortgage?" x12 length = 3. format = PLENDFM. label = "X12: How many different mortgage lenders/brokers did you end up applying to?" x13a length = 3. format = PYNFM. label = "X13A: Did you apply to more than one mortgage lender/broker for any of the following reasons? | Searching for better loan terms" x13b length = 3. format = PYNFM. label = "X13B: Did you apply to more than one mortgage lender/broker for any of the following reasons? | Concern over qualifying for a loan" x13c length = 3. format = PYNFM. label = "X13C: Did you apply to more than one mortgage lender/broker for any of the following reasons? | Information learned from the 'Loan Estimate'" x13d length = 3. format = PYNFM. label = "X13D: Did you apply to more than one mortgage lender/broker for any of the following reasons? | Turned down on earlier application" x14a length = 3. format = PIMPFM. label = "X14A: How important were each of the following in choosing the mortgage lender/broker you used for the mortgage you took out? | Having an established banking relationship (Waves 7-34)" x14a_1 length = 3. format = PVERYFM. label = "X14A_1: How important were each of the following in choosing the lender/broker you used for the mortgage you took out? | Having an established banking relationship (Waves 1-6)" x14b length = 3. format = PIMPFM. label = "X14B: How important were each of the following in choosing the mortgage lender/broker you used for the mortgage you took out? | Having a local office or branch nearby (Waves 7-34)" x14b_1 length = 3. format = PVERYFM. label = "X14B_1: How important were each of the following in choosing the lender/broker you used for the mortgage you took out? | Having a local office or branch nearby (Waves 1-6)" x14c length = 3. format = PIMPFM. label = "X14C: How important were each of the following in choosing the mortgage lender/broker you used for the mortgage you took out? | Used previously to get a mortgage (Waves 7-34)" x14c_1 length = 3. format = PVERYFM. label = "X14C_1: How important were each of the following in choosing the lender/broker you used for the mortgage you took out? | Used previously to get a mortgage (Waves 1-6)" x14d length = 3. format = PIMPFM. label = "X14D: How important were each of the following in choosing the mortgage lender/broker you used for the mortgage you took out? | Mortgage lender/broker is a personal friend or relative (Waves 7-34)" x14d_1 length = 3. format = PVERYFM. label = "X14D_1: How important were each of the following in choosing the lender/broker you used for the mortgage you took out? | Lender/broker is a personal friend or relative (Waves 1-6)" x14e length = 3. format = PIMPFM. label = "X14E: How important were each of the following in choosing the mortgage lender/broker you used for the mortgage you took out? | Paperless online mortgage process (Waves 19-34)" x14f length = 3. format = PIMPFM. label = "X14F: How important were each of the following in choosing the mortgage lender/broker you used for the mortgage you took out? | Recommendation from a friend/relative/co-worker (Waves 7-34)" x14f_1 length = 3. format = PVERYFM. label = "X14F_1: How important were each of the following in choosing the lender/broker you used for the mortgage you took out? | Recommendation from a friend/relative/co-worker (Waves 1-6)" x14g length = 3. format = PIMPFM. label = "X14G: How important were each of the following in choosing the mortgage lender/broker you used for the mortgage you took out? | Recommendation from a real estate agent/home builder (Waves 7-34)" x14g_1 length = 3. format = PVERYFM. label = "X14G_1: How important were each of the following in choosing the lender/broker you used for the mortgage you took out? | Recommendation from a real estate agent/home builder (Waves 1-6)" x14h length = 3. format = PIMPFM. label = "X14H: How important were each of the following in choosing the mortgage lender/broker you used for the mortgage you took out? | Reputation of the mortgage lender/broker (Waves 7-34)" x14h_1 length = 3. format = PVERYFM. label = "X14H_1: How important were each of the following in choosing the lender/broker you used for the mortgage you took out? | Reputation of the lender/broker (Waves 1-6)" x14i length = 3. format = PIMPFM. label = "X14I: How important were each of the following in choosing the mortgage lender/broker you used for the mortgage you took out? | Spoke my primary language, which is not English (Waves 7-34)" x14i_1 length = 3. format = PVERYFM. label = "X14I_1: How important were each of the following in choosing the lender/broker you used for the mortgage you took out? | Spoke my primary language, which is not English (Waves 1-6)" x14j length = 3. format = PIMPFM. label = "X14J: How important were each of the following in choosing the mortgage lender/broker you used for the mortgage you took out? | Could provide documents in my primary language, which is not English (Waves 13-24)" x14k length = 3. format = PIMPFM. label = "X14K: How important were each of the following in choosing the mortgage lender/broker you used for the mortgage you took out? | Accommodations for people with disabilities (Waves 31-34)" x15 length = 3. format = PCONFM. label = "X15: Who initiated the first contact between you and the mortgage lender/broker you used for the mortgage you took out?" x16 length = 3. format = PVERYFM. label = "X16: How open were you to suggestions from your mortgage lender/broker about mortgages with different features or terms?" x17a length = 3. format = PIMPFM. label = "X17A: How important were each of the following in determining the mortgage you took out? | Lower interest rate (Waves 7-34)" x17a_1 length = 3. format = PVERYFM. label = "X17A_1: How important were each of the following in determining the mortgage you took out? | Low interest rate (Waves 1-6)" x17b length = 3. format = PIMPFM. label = "X17B: How important were each of the following in determining the mortgage you took out? | Lower APR (Annual Percentage Rate) (Waves 7-34)" x17b_1 length = 3. format = PVERYFM. label = "X17B_1: How important were each of the following in determining the mortgage you took out? | Low APR (Annual Percentage Rate) (Waves 1-6)" x17c length = 3. format = PIMPFM. label = "X17C: How important were each of the following in determining the mortgage you took out? | Lower closing fees (Waves 7-34)" x17c_1 length = 3. format = PVERYFM. label = "X17C_1: How important were each of the following in determining the mortgage you took out? | Low closing fees (Waves 1-6)" x17d length = 3. format = PIMPFM. label = "X17D: How important were each of the following in determining the mortgage you took out? | Lower down payment (Waves 7-34)" x17d_1 length = 3. format = PVERYFM. label = "X17D_1: How important were each of the following in determining the mortgage you took out? | Low down payment(Waves 1-6)" x17e length = 3. format = PIMPFM. label = "X17E: How important were each of the following in determining the mortgage you took out? | Lower monthly payment (Waves 7-34)" x17e_1 length = 3. format = PVERYFM. label = "X17E_1: How important were each of the following in determining the mortgage you took out? | Low monthly payment (Waves 1-6)" x17f length = 3. format = PIMPFM. label = "X17F: How important were each of the following in determining the mortgage you took out? | An interest rate fixed for the life of the loan (Waves 7-34)" x17f_1 length = 3. format = PVERYFM. label = "X17F_1: How important were each of the following in determining the mortgage you took out? | An interest rate fixed for the life of the loan (Waves 1-6)" x17g length = 3. format = PIMPFM. label = "X17G: How important were each of the following in determining the mortgage you took out? | A term of 30 years (Waves 7-34)" x17g_1 length = 3. format = PVERYFM. label = "X17G_1: How important were each of the following in determining the mortgage you took out? | A term of less than 30 years (Waves 1-6)" x17h length = 3. format = PIMPFM. label = "X17H: How important were each of the following in determining the mortgage you took out? | No mortgage insurance (Waves 7-34)" x17h_1 length = 3. format = PVERYFM. label = "X17H_1: How important were each of the following in determining the mortgage you took out? | No mortgage insurance (Waves 1-6)" x18 length = 3. format = PYNFM. label = "X18: Your lender may have given you a booklet 'Your home loan toolkit: A step-by-step guide,' do you remember receiving a copy? (Waves 7-34)" x19 length = 3. format = PYNFM. label = "X19: Did the 'Your home loan toolkit' booklet lead you to ask additional questions about your mortgage terms? (Waves 7-34)" x20a length = 3. format = PYNFM. label = "X20A: In the process of getting this mortgage from your mortgage lender/broker, did you... | Have to add another co-signer to qualify (Waves 7-34)" x20b length = 3. format = PYNFM. label = "X20B: In the process of getting this mortgage from your mortgage lender/broker, did you... | Resolve credit report errors or problems" x20c length = 3. format = PYNFM. label = "X20C: In the process of getting this mortgage from your mortgage lender/broker, did you... | Answer follow-up requests for more information about income or assets" x20d length = 3. format = PYNFM. label = "X20D: In the process of getting this mortgage from your mortgage lender/broker, did you... | Have more than one appraisal" x20e length = 3. format = PYNFM. label = "X20E: In the process of getting this mortgage from your mortgage lender/broker, did you... | Redo/refile paperwork due to processing delays" x20f length = 3. format = PYNFM. label = "X20F: In the process of getting this mortgage from your mortgage lender/broker, did you... | Delay or postpone closing date" x20g length = 3. format = PYNFM. label = "X20G: In the process of getting this mortgage from your mortgage lender/broker, did you... | Have your 'Loan Estimate' revised to reflect changes in your loan terms (Waves 5-34)" x20h length = 3. format = PYNFM. label = "X20H: In the process of getting this mortgage from your mortgage lender/broker, did you... | Check other sources to confirm that the terms of this mortgage were reasonable (Waves 7-24)" x20i length = 3. format = PYNFM. label = "X20I: In the process of getting this mortgage from your mortgage lender/broker, did you... | Get documents in your primary language, which is not English (Waves 13-24)" x20j length = 3. format = PYNFM. label = "X20J: In the process of getting this mortgage from your mortgage lender/broker, did you... | Have the lender/broker translate in your primary language, which is not English (Waves 13-34)" x21a length = 3. format = PYNFM. label = "X21A: Was the 'Loan Estimate' you received from your mortgage lender/broker... | Easy to understand" x21b length = 3. format = PYNFM. label = "X21B: Was the 'Loan Estimate' you received from your mortgage lender/broker... | Valuable information" x22a length = 3. format = PYNFM. label = "X22A: Did the 'Loan Estimate' lead you to... | Ask questions of your mortgage lender/broker" x22b length = 3. format = PYNFM. label = "X22B: Did the 'Loan Estimate' lead you to... | Seek a change in your loan or closing" x22c length = 3. format = PYNFM. label = "X22C: Did the 'Loan Estimate' lead you to... | Apply to a different mortgage lender/broker (Waves 11-34)" x23a length = 3. format = PYNFM. label = "X23A: During the application process were you told about mortgages with any of the following? | An interest rate that is fixed for the life of the loan" x23b length = 3. format = PYNFM. label = "X23B: During the application process were you told about mortgages with any of the following? | An interest rate that could change over the life of the loan" x23c length = 3. format = PYNFM. label = "X23C: During the application process were you told about mortgages with any of the following? | A term of less than 30 years" x23d length = 3. format = PYNFM. label = "X23D: During the application process were you told about mortgages with any of the following? | A higher interest rate in return for lower closing costs" x23e length = 3. format = PYNFM. label = "X23E: During the application process were you told about mortgages with any of the following? | A lower interest rate in return for paying higher closing costs (discount points)" x23f length = 3. format = PYNFM. label = "X23F: During the application process were you told about mortgages with any of the following? | Interest-only monthly payments" x23g length = 3. format = PYNFM. label = "X23G: During the application process were you told about mortgages with any of the following? | An escrow account for taxes and/or homeowner insurance" x23h length = 3. format = PYNFM. label = "X23H: During the application process were you told about mortgages with any of the following? | A prepayment penalty (fee if the mortgage is paid off early)" x23i length = 3. format = PYNFM. label = "X23I: During the application process were you told about mortgages with any of the following? | Reduced documentation or 'easy' approval" x23j length = 3. format = PYNFM. label = "X23J: During the application process were you told about mortgages with any of the following? | An FHA, VA, USDA or Rural Housing loan" x24a length = 3. format = PYNFM. label = "X24A: In selecting your settlement/closing agent did you use someone... | Selected/recommended by the mortgage lender/broker, or real estate agent" x24b length = 3. format = PYNFM. label = "X24B: In selecting your settlement/closing agent did you use someone... | You used previously" x24c length = 3. format = PYNFM. label = "X24C: In selecting your settlement/closing agent did you use someone... | Found shopping around" x24z length = 3. format = PYNFM. label = "X24Z: In selecting your settlement/closing agent did you use someone... | Did not have a settlement/closing agent (Waves 11-34)" x25 length = 3. format = PYNFM. label = "X25: Do you have title insurance on this mortgage? (Waves 11-34)" x25_1 length = 3. format = PYNFM. label = "X25_1: Did your lender require you to get title insurance on this mortgage? (Waves 1-10)" x26 length = 3. format = PTIFM. label = "X26: Which one best describes how you picked the title insurance?" x27a length = 3. format = PVERYFM. label = "X27A: Overall, how satisfied are you that the mortgage you got was the one with the... | Best terms to fit your needs" x27b length = 3. format = PVERYFM. label = "X27B: Overall, how satisfied are you that the mortgage you got was the one with the... | Lowest interest rate for which you could qualify" x27c length = 3. format = PVERYFM. label = "X27C: Overall, how satisfied are you that the mortgage you got was the one with the... | Lowest closing costs" x28a length = 3. format = PVERYFM. label = "X28A: Overall, how satisfied are you with the... | Mortgage lender/broker you used" x28b length = 3. format = PVERYFM. label = "X28B: Overall, how satisfied are you with the... | Application process" x28c length = 3. format = PVERYFM. label = "X28C: Overall, how satisfied are you with the... | Documentation process required for the loan (Waves 7-34)" x28d length = 3. format = PVERYFM. label = "X28D: Overall, how satisfied are you with the... | Loan closing process" x28e length = 3. format = PVERYFM. label = "X28E: Overall, how satisfied are you with the... | Information in mortgage disclosure documents" x28f length = 3. format = PVERYFM. label = "X28F: Overall, how satisfied are you with the... | Timeliness of mortgage disclosure documents" x28g length = 3. format = PVERYFM. label = "X28G: Overall, how satisfied are you with the... | Settlement agent" x28h length = 3. format = PVERYFM. label = "X28H: Overall, how satisfied are you with the... | Property appraisal (Waves 31-34)" x29 length = 3. format = PYNFM. label = "X29: Did you take a course about home-buying or talk to a professional housing counselor?" x30a length = 3. format = PYNFM. label = "X30A: Was your home-buying course or counseling... | In person, one-on-one" x30b length = 3. format = PYNFM. label = "X30B: Was your home-buying course or counseling... | In person, in a group" x30c length = 3. format = PYNFM. label = "X30C: Was your home-buying course or counseling... | Over the phone" x30d length = 3. format = PYNFM. label = "X30D: Was your home-buying course or counseling... | Online" x30e length = 3. format = PYNFM. label = "X30E: Was your home-buying course or counseling... | Required (Waves 19-34)" x31 length = 3. format = PCOUNFM. label = "X31: How many hours was your home-buying course or counseling?" x32 length = 3. format = PVERYFM. label = "X32: Overall, how helpful was your home-buying course or counseling?" x33 length = 3. format = PPURPFM. label = "X33: Which one of these reasons best describes this most recent mortgage?" x34a length = 3. format = PTIMEFM. label = "X34A: Did you do the following before or after you made an offer on this house or property? | Contacted a lender to explore mortgage options (Waves 7-34)" x34b length = 3. format = PTIMEFM. label = "X34B: Did you do the following before or after you made an offer on this house or property? | Got a pre-approval or pre-qualification from a lender (Waves 7-34)" x34c length = 3. format = PTIMEFM. label = "X34C: Did you do the following before or after you made an offer on this house or property? | Decided on the type of loan (Waves 7-34)" x34d length = 3. format = PTIMEFM. label = "X34D: Did you do the following before or after you made an offer on this house or property? | Made a decision on which lender to use (Waves 7-34)" x34e length = 3. format = PTIMEFM. label = "X34E: Did you do the following before or after you made an offer on this house or property? | Submitted an official loan application (Waves 7-34)" z35 length = 3. format = PBLANKFM. label = "Z35: What percent of the purchase price was the down payment to buy this property (including money from a prior home sale, gifts, etc.)? (Indicator)" x36a length = 3. format = PUSEDFM. label = "X36A: Did you use any of the following sources of funds to buy this property? | Proceeds from the sale of another property" x36b length = 3. format = PUSEDFM. label = "X36B: Did you use any of the following sources of funds to buy this property? | Savings, retirement account, inheritance, or other assets" x36c length = 3. format = PUSEDFM. label = "X36C: Did you use any of the following sources of funds to buy this property? | Assistance or loan from a nonprofit or government agency" x36d length = 3. format = PUSEDFM. label = "X36D: Did you use any of the following sources of funds to buy this property? | A second lien, home equity loan, or home equity line of credit (HELOC) (Waves 7-34)" x36e length = 3. format = PUSEDFM. label = "X36E: Did you use any of the following sources of funds to buy this property? | Gift or loan from family or friend" x36f length = 3. format = PUSEDFM. label = "X36F: Did you use any of the following sources of funds to buy this property? | Seller contribution" x37a length = 3. format = PIMPFM. label = "X37A: How important were the following in your decision to refinance, modify, or obtain a new mortgage? | Change to a fixed-rate loan (Waves 7-34)" x37a_1 length = 3. format = PVERYFM. label = "X37A_1: How important, if at all, were the following reasons in your decision to refinance, modify, or obtain a new mortgage? | Change to a fixed-rate loan (Waves 1-6)" x37b length = 3. format = PIMPFM. label = "X37B: How important were the following in your decision to refinance, modify, or obtain a new mortgage? | Get a lower interest rate (Waves 7-34)" x37b_1 length = 3. format = PVERYFM. label = "X37B_1: How important, if at all, were the following reasons in your decision to refinance, modify, or obtain a new mortgage? | Get a lower interest rate (Waves 1-6)" x37c length = 3. format = PIMPFM. label = "X37C: How important were the following in your decision to refinance, modify, or obtain a new mortgage? | Get a lower monthly payment (Waves 7-34)" x37c_1 length = 3. format = PVERYFM. label = "X37C_1: How important, if at all, were the following reasons in your decision to refinance, modify, or obtain a new mortgage? | Get a lower monthly payment (Waves 1-6)" x37d length = 3. format = PIMPFM. label = "X37D: How important were the following in your decision to refinance, modify, or obtain a new mortgage? | Consolidate or pay down other debt (Waves 7-34)" x37d_1 length = 3. format = PVERYFM. label = "X37D_1: How important, if at all, were the following reasons in your decision to refinance, modify, or obtain a new mortgage? | Consolidate or pay down other debt (Waves 1-6)" x37e length = 3. format = PIMPFM. label = "X37E: How important were the following in your decision to refinance, modify, or obtain a new mortgage? | Repay the loan more quickly (Waves 7-34)" x37e_1 length = 3. format = PVERYFM. label = "X37E_1: How important, if at all, were the following reasons in your decision to refinance, modify, or obtain a new mortgage? | Repay the loan more quickly (Waves 1-6)" x37f length = 3. format = PIMPFM. label = "X37F: How important were the following in your decision to refinance, modify, or obtain a new mortgage? | Take out cash (Waves 7-34)" x37f_1 length = 3. format = PVERYFM. label = "X37F_1: How important, if at all, were the following reasons in your decision to refinance, modify, or obtain a new mortgage? | Take out cash (Waves 1-6)" x37g length = 3. format = PIMPFM. label = "X37G: : How important were the following in your decision to refinance, modify, or obtain a new mortgage? | Remove private mortgage insurance (Waves 25-34)" z38 length = 3. format = PBLANKFM. label = "Z38: Approximately how much was owed, in total, on the old mortgage(s) and loan(s) you refinanced? (Indicator)" x40a length = 3. format = PYNFM. label = "X40A: Did you use the money you got from this new mortgage for any of the following? | College expenses" x40b length = 3. format = PYNFM. label = "X40B: Did you use the money you got from this new mortgage for any of the following? | Auto or other major purchase" x40c length = 3. format = PYNFM. label = "X40C: Did you use the money you got from this new mortgage for any of the following? | Buy out co-signer(s)/co-owner(s) (Waves 11-34)" x40d length = 3. format = PYNFM. label = "X40D: Did you use the money you got from this new mortgage for any of the following? | Pay off other bills or debts" x40e length = 3. format = PYNFM. label = "X40E: Did you use the money you got from this new mortgage for any of the following? | Home repairs or new construction" x40f length = 3. format = PYNFM. label = "X40F: Did you use the money you got from this new mortgage for any of the following? | Savings" x40g length = 3. format = PYNFM. label = "X40G: Did you use the money you got from this new mortgage for any of the following? | Closing costs of new mortgage" x40h length = 3. format = PYNFM. label = "X40H: Did you use the money you got from this new mortgage for any of the following? | Business or investment" x40x length = 3. format = PYNFM. label = "X40X: Did you use the money you got from this new mortgage for any of the following? | Other (specify)" x40z length = 3. format = PYNFM. label = "X40Z: Did you use the money you got from this new mortgage for any of the following? | Did not get money from refinancing (Waves 19-34)" z41 length = 3. format = PBLANKFM. label = "Z41: When you took out this most recent mortgage or refinance, what was the dollar amount you borrowed? (Indicator)" z42 length = 3. format = PBLANKFM. label = "Z42: What is the monthly payment, including the amount paid to escrow for taxes and insurance? (Indicator)" z43 length = 3. format = PBLANKFM. label = "Z43: What is the interest rate on this mortgage? (Indicator)" x44 length = 3. format = PYNFM. label = "X44: Does this mortgage have... | An adjustable rate (one that can change over the life of the loan)?" x45 length = 3. format = PINTFM. label = "X45: Which one of the following best describes how you decided on the interest rate of your mortgage? (Waves 19-34)" x46a length = 3. format = PYNFM. label = "X46A: Does this mortgage have... | A prepayment penalty (fee if the mortgage is paid off early)" x46b length = 3. format = PYNFM. label = "X46B: Does this mortgage have... | An escrow account for taxes and/or homeowner insurance" x46c length = 3. format = PYNFM. label = "X46C: Does this mortgage have... | A balloon payment" x46d length = 3. format = PYNFM. label = "X46D: Does this mortgage have... | Interest-only payments" x46e length = 3. format = PYNFM. label = "X46E: Does this mortgage have... | Private mortgage insurance (Waves 11-34)" z47 length = 3. format = PBLANKFM. label = "Z47: The 'Closing Disclosure' statement you received at closing shows the loan closing costs and other closing costs separately. What were the loan closing costs you paid on this loan? (Indicator) (Waves 7-34)" x48a length = 3. format = PYNFM. label = "X48A: How were the total closing costs (loan costs and other costs) for this loan paid? | By me or a co-signer with a check or wire transfer" x48b length = 3. format = PYNFM. label = "X48B: How were the total closing costs (loan costs and other costs) for this loan paid? | Added to the mortgage amount" x48c length = 3. format = PYNFM. label = "X48C: How were the total closing costs (loan costs and other costs) for this loan paid? | By mortgage lender/broker" x48d length = 3. format = PYNFM. label = "X48D: How were the total closing costs (loan costs and other costs) for this loan paid? | By seller/builder" x48x length = 3. format = PYNFM. label = "X48X: How were the total closing costs (loan costs and other costs) for this loan paid? | Other" x48z length = 3. format = PYNFM. label = "X48Z: How were the total closing costs (loan costs and other costs) for this loan paid? | Loan had no closing costs (Waves 11-34)" x49 length = 3. format = PYNFM. label = "X49: Were the loan costs you paid similar to what you had expected to pay based on the Loan Estimates or Closing Disclosures you received? (Waves 11-34)" x50a length = 3. format = PYNFM. label = "X50A: Did you seek input about your closing documents from any of the following people? | Mortgage lender/broker" x50b length = 3. format = PYNFM. label = "X50B: Did you seek input about your closing documents from any of the following people? | Settlement/closing agent" x50c length = 3. format = PYNFM. label = "X50C: Did you seek input about your closing documents from any of the following people? | Real estate agent" x50d length = 3. format = PYNFM. label = "X50D: Did you seek input about your closing documents from any of the following people? | Personal attorney" x50e length = 3. format = PYNFM. label = "X50E: Did you seek input about your closing documents from any of the following people? | Title insurance agent" x50f length = 3. format = PYNFM. label = "X50F: Did you seek input about your closing documents from any of the following people? | Trusted friend or relative who is not a co-signer on the mortgage" x50g length = 3. format = PYNFM. label = "X50G: Did you seek input about your closing documents from any of the following people? | Housing counselor" x5001 length = 3. format = PRESERVE. label = "X5001: After closing on this mortgage, how much cash reserves in checking, savings, and other similar assets did you have remaining? (Waves 25-34)" x51a length = 3. format = PSAMEFM. label = "X51A: At any time after you made your final loan application did any of the following change? | Monthly payment (Waves 11-34)" x51b length = 3. format = PSAMEFM. label = "X51B: At any time after you made your final loan application did any of the following change? | Interest rate (Waves 11-34)" x51c length = 3. format = PSAMEFM. label = "X51C: At any time after you made your final loan application did any of the following change? | Other fees (Waves 11-34)" x51d length = 3. format = PSAMEFM. label = "X51D: At any time after you made your final loan application did any of the following change? | Amount of money needed to close loan (Waves 11-34)" x53a length = 3. format = PYNFM. label = "X53A: Did you face any of the following at your loan closing? | Loan documents not ready at closing (Waves 19-34)" x53a_1 length = 3. format = PYNFM. label = "X53A_1: What unpleasant surprises did you face at your loan closing? | Loan documents not ready (Waves 11-18)" x53b length = 3. format = PYNFM. label = "X53B: Did you face any of the following at your loan closing? | Closing did not occur as originally scheduled (Waves 19-34)" x53b_1 length = 3. format = PYNFM. label = "X53B_1: What unpleasant surprises did you face at your loan closing? | Closing did not occur as originally scheduled (Waves 11-18)" x53c length = 3. format = PYNFM. label = "X53C: Did you face any of the following at your loan closing? | Three day rule required re-disclosure (Waves 19-34)" x53c_1 length = 3. format = PYNFM. label = "X53C_1: What unpleasant surprises did you face at your loan closing? | Three day rule required re-disclosure (Waves 11-18)" x53d length = 3. format = PYNFM. label = "X53D: Did you face any of the following at your loan closing? | Mortgage terms different at closing than expected, e.g. interest rate, monthly payment (Waves 19-34)" x53d_1 length = 3. format = PYNFM. label = "X53D_1: What unpleasant surprises did you face at your loan closing? | Mortgage terms different at closing e.g. interest rate, monthly payment (Waves 11-18)" x53d1_1 length = 3. format = PYNFM. label = "X53D1_1: What unpleasant surprises did you face? | Different loan terms (Waves 1-10)" x53d2_1 length = 3. format = PYNFM. label = "X53D2_1: What unpleasant surprises did you face? | Higher monthly payment (Waves 1-10)" x53d3_1 length = 3. format = PYNFM. label = "X53D3_1: What unpleasant surprises did you face? | Higher interest rate (Waves 1-10)" x53e length = 3. format = PYNFM. label = "X53E: Did you face any of the following at your loan closing? | More cash needed at closing than expected, e.g. escrow, unexpected fees (Waves 19-34)" x53e_1 length = 3. format = PYNFM. label = "X53E_1: What unpleasant surprises did you face at your loan closing? | More cash needed at closing e.g. escrow, unexpected fees (Waves 11-18)" x53e1_1 length = 3. format = PYNFM. label = "X53E1_1: What unpleasant surprises did you face? | Unexpected fees (Waves 1-10)" x53e2_1 length = 3. format = PYNFM. label = "X53E2_1: What unpleasant surprises did you face? | Higher amount of money needed at closing (Waves 1-10)" x53f length = 3. format = PYNFM. label = "X53F: Did you face any of the following at your loan closing? | Asked to sign blank documents at closing (Waves 19-34)" x53f_1 length = 3. format = PYNFM. label = "X53F_1: What unpleasant surprises did you face at your loan closing? | Asked to sign blank documents (Waves 1-18)" x53g length = 3. format = PYNFM. label = "X53G: Did you face any of the following at your loan closing? | Felt rushed at closing or not given time to read documents (Waves 19-34)" x53g_1 length = 3. format = PYNFM. label = "X53G_1: What unpleasant surprises did you face at your loan closing? | Felt rushed at closing or not given time to read documents (Waves 1-18)" x53h length = 3. format = PYNFM. label = "X53H: Did you face any of the following at your loan closing? | Asked to sign pre-dated or post-dated documents at closing (Waves 19-34)" x53i length = 3. format = PYNFM. label = "X53I: Did you face any of the following at your loan closing? | Less cash needed at closing than expected (Waves 19-34)" x54 length = 3. format = PYNFM. label = "X54: At the time you took out this mortgage, did you also take out another loan on the property you financed with this mortgage (a second lien, home equity loan, or a home equity line of credit (HELOC))?" z55 length = 3. format = PBLANKFM. label = "Z55: What was the amount of this loan? (Indicator)" x56a length = 3. format = PVERYFM. label = "X56A: How well could you explain to someone the... | Process of taking out a mortgage" x56b length = 3. format = PVERYFM. label = "X56B: How well could you explain to someone the... | Difference between a fixed- and an adjustable-rate mortgage" x56c length = 3. format = PVERYFM. label = "X56C: How well could you explain to someone the... | Difference between a prime and subprime loan" x56d length = 3. format = PVERYFM. label = "X56D: How well could you explain to someone the... | Difference between a mortgage's interest rate and its APR" x56e length = 3. format = PVERYFM. label = "X56E: How well could you explain to someone the... | Amortization of a loan" x56f length = 3. format = PVERYFM. label = "X56F: How well could you explain to someone the... | Consequences of not making required mortgage payments" x56g length = 3. format = PVERYFM. label = "X56G: How well could you explain to someone the... | Difference between lender's and owner's title insurance (Waves 7-34)" x56h length = 3. format = PVERYFM. label = "X56H: How well could you explain to someone the... | Relationship between discount points and interest rate (Waves 11-34)" x56i length = 3. format = PVERYFM. label = "X56I: How well could you explain to someone the... | Reason payments into an escrow account can change (Waves 11-34)" z57 length = 3. format = PBLANKFM. label = "Z57: When did you first become the owner of this property? (Indicator)" z58 length = 3. format = PBLANKFM. label = "Z58: What was the purchase price of this property, or if you built it, the construction and land cost? (Indicator)" x59 length = 3. format = PACQFM. label = "X59: Which one of the following best describes how you acquired this property?" x60 length = 3. format = PPROPFM. label = "X60: Which one of the following best describes this property?" x61 length = 3. format = PYNFM. label = "X61: Does this mortgage cover more than one unit? (Waves 7-34)" z62 length = 3. format = PBLANKFM. label = "Z62: About how much do you think this property is worth in terms of what you could sell it for now? (Indicator)" x63 length = 3. format = PYNFM. label = "X63: Do you rent out all or any portion of this property?" z64 length = 3. format = PBLANKFM. label = "Z64: How much rent do you receive annually? (Indicator)" x65 length = 3. format = PYNFM. label = "X65: Besides you, the mortgage co-signers, and renters, does anyone else help pay the expenses for this property? (Waves 7-34)" x66 length = 3. format = POCCFM. label = "X66: Which one of the following best describes how you use this property?" z67 length = 3. format = PBLANKFM. label = "Z67: If primary residence, when did you move into this property? (Indicator)" x6701 length = 3. format = PWILLING. label = "X6701: Which one of the following best describes your willingness or ability to move from your primary residence? (Waves 31-34)" x68a length = 3. format = PCHANGEFM. label = "X68A: In the last couple years, how have the following changed in the neighborhood where this property is located? | Number of homes for sale" x68b length = 3. format = PCHANGEFM. label = "X68B: In the last couple years, how have the following changed in the neighborhood where this property is located? | Number of vacant homes" x68c length = 3. format = PCHANGEFM. label = "X68C: In the last couple years, how have the following changed in the neighborhood where this property is located? | Number of homes for rent" x68d length = 3. format = PCHANGEFM. label = "X68D: In the last couple years, how have the following changed in the neighborhood where this property is located? | Number of foreclosures or short sales" x68e length = 3. format = PCHANGEFM. label = "X68E: In the last couple years, how have the following changed in the neighborhood where this property is located? | House prices" x68f length = 3. format = PCHANGEFM. label = "X68F: In the last couple years, how have the following changed in the neighborhood where this property is located? | Overall desirability of living there" x69 length = 3. format = PPRICEFM. label = "X69: What do you think will happen to the prices of homes in this neighborhood over the next couple of years?" x70 length = 3. format = PDESIREFM. label = "X70: In the next couple of years, how do you expect the overall desirability of living in this neighborhood to change?" x71a length = 3. format = PVERYFM. label = "X71A: How likely is it that in the next couple of years you will... | Sell this property" x71b length = 3. format = PVERYFM. label = "X71B: How likely is it that in the next couple of years you will... | Move but keep this property" x71c length = 3. format = PVERYFM. label = "X71C: How likely is it that in the next couple of years you will... | Refinance the mortgage on this property" x71d length = 3. format = PVERYFM. label = "X71D: How likely is it that in the next couple of years you will... | Pay off this mortgage and own the property mortgage-free" x72 length = 3. format = PMARRYFM. label = "X72: What is your current marital status?" x73 length = 3. format = PYNFM. label = "X73: Do you have a partner who shares the decision-making and responsibilities of running your household but is not your legal spouse?" x74r length = 3. format = PAGEFM. label = "X74R: Age at last birthday | Respondent" x75r length = 3. format = PSEXFM. label = "X75R: Sex | Respondent" x76r length = 3. format = PEDUCFM. label = "X76R: Highest level of education achieved | Respondent" x76s length = 3. format = PEDUCFM. label = "X76S: Highest level of education achieved | Spouse/Partner" x77r length = 3. format = PYNFM. label = "X77R: Hispanic or Latino | Respondent" x78r length = 3. format = PRACEFM. label = "X78R: Race | Respondent" x79ra length = 3. format = PEMPLOYFM. label = "X79RA: Current work status 1 | Respondent (work status selected by respondent involving the most employment)" x79rb length = 3. format = PEMPLOYFM. label = "X79RB: Current work status 2 | Respondent (if a second work status was selected)" x79sa length = 3. format = PEMPLOYFM. label = "X79SA: Current work status 1 | Spouse/Partner (work status selected by respondent involving the most employment)" x79sb length = 3. format = PEMPLOYFM. label = "X79SB: Current work status 2 | Spouse/Partner (if a second work status was selected)" x80r length = 3. format = PVETFM. label = "X80R: Ever served on active duty in the U.S. Armed Forces, Reserves or National Guard? | Respondent (Waves 15-34)" x80r_1 length = 3. format = PVETXFM. label = "X80R_1: Ever served on active duty in the U.S. Armed Forces: (Active duty includes serving in the U.S. Armed Forces as well as activation from the Reserves or National Guard). | Respondent (Waves 1-14)" x80s length = 3. format = PVETFM. label = "X80S: Ever served on active duty in the U.S. Armed Forces, Reserves or National Guard? | Spouse/Partner (Waves 15-34)" x80s_1 length = 3. format = PVETXFM. label = "X80S_1: Ever served on active duty in the U.S. Armed Forces: (Active duty includes serving in the U.S. Armed Forces as well as activation from the Reserves or National Guard). | Spouse/Partner (Waves 1-14)" x81a length = 3. format = PYNFM. label = "X81A: Besides you (and your spouse/partner) who else lives in your household? | Children/grandchildren under age 18 (Waves 7-34)" x81b length = 3. format = PYNFM. label = "X81B: Besides you (and your spouse/partner) who else lives in your household? | Children/grandchildren age 18-22 (Waves 7-34)" x81c length = 3. format = PYNFM. label = "X81C: Besides you (and your spouse/partner) who else lives in your household? | Children/grandchildren age 23 or older (Waves 7-34)" x81d length = 3. format = PYNFM. label = "X81D: Besides you (and your spouse/partner) who else lives in your household? | Parents of you or your spouse or partner (Waves 7-34)" x81e length = 3. format = PYNFM. label = "X81E: Besides you (and your spouse/partner) who else lives in your household? | Other relatives like siblings or cousins (Waves 7-34)" x81f length = 3. format = PYNFM. label = "X81F: Besides you (and your spouse/partner) who else lives in your household? | Non-relative (Waves 7-34)" x81z length = 3. format = PYNFM. label = "X81Z: Besides you (and your spouse/partner) who else lives in your household? | No one else (Waves 8-34)" x82 length = 3. format = PYNFM. label = "X82: Do you speak a language other than English at home? (Waves 13-34)" x8201 length = 3. format = PYNFM. label = "X8201: Was it important to get your mortgage documents in this language? (Waves 25-34)" x8202 length = 3. format = PYNFM. label = "X8202: Did you get mortgage documents in this language? (Waves 25-34)" x83 length = 3. format = PINCFM. label = "X83: Approximately how much is your total annual household income from all sources (wages, salaries, tips, interest, child support, investment income, retirement, social security, and alimony)?" x84 length = 3. format = PNORMFM. label = "X84: How does this total annual household income compare to what it is in a 'normal' year?" x85a length = 3. format = PYNFM. label = "X85A: Does your total annual household income include any of the following sources? | Wages or salary" x85b length = 3. format = PYNFM. label = "X85B: Does your total annual household income include any of the following sources? | Business or self-employment" x85c length = 3. format = PYNFM. label = "X85C: Does your total annual household income include any of the following sources? | Interest or dividends" x85d length = 3. format = PYNFM. label = "X85D: Does your total annual household income include any of the following sources? | Alimony or child support" x85e length = 3. format = PYNFM. label = "X85E: Does your total annual household income include any of the following sources? | Social Security, pension or other retirement benefits" x86a length = 3. format = PYNFM. label = "X86A: Does anyone in your household have any of the following? | 401(k), 403(b), IRA, or pension plan" x86b length = 3. format = PYNFM. label = "X86B: Does anyone in your household have any of the following? | Stocks, bonds, or mutual funds (not in retirement accounts or pension plans)" x86c length = 3. format = PYNFM. label = "X86C: Does anyone in your household have any of the following? | Certificates of deposit" x86d length = 3. format = PYNFM. label = "X86D: Does anyone in your household have any of the following? | Investment real estate" x87 length = 3. format = PRISKFM. label = "X87: Which one of the following statements best describes the amount of financial risk you are willing to take when you save or make investments?" x88a length = 3. format = PAGREEFM. label = "X88A: Do you agree or disagree with the following statements? | Owning a home is a good financial investment" x88b length = 3. format = PAGREEFM. label = "X88B: Do you agree or disagree with the following statements? | Most mortgage lenders generally treat borrowers well" x88c length = 3. format = PAGREEFM. label = "X88C: Do you agree or disagree with the following statements? | Most mortgage lenders would offer me roughly the same rates and fees (Waves 7-34)" x88d length = 3. format = PAGREEFM. label = "X88D: Do you agree or disagree with the following statements? | Late payments will lower my credit rating" x88e length = 3. format = PAGREEFM. label = "X88E: Do you agree or disagree with the following statements? | Lenders shouldn't care about any late payments, only whether loans are fully repaid" x88f length = 3. format = PAGREEFM. label = "X88F: Do you agree or disagree with the following statements? | It is okay to default or stop making mortgage payments if it is in the borrower's financial interest" x88g length = 3. format = PAGREEFM. label = "X88G: Do you agree or disagree with the following statements? | I would consider counseling or taking a course about managing my finances if I faced financial difficulties (Waves 11-34)" x89a length = 3. format = PYNFM. label = "X89A: In the last couple of years, have any of the following happened to you? | Separated, divorced, or partner left" x89b length = 3. format = PYNFM. label = "X89B: In the last couple of years, have any of the following happened to you? | Married, remarried or new partner" x89c length = 3. format = PYNFM. label = "X89C: In the last couple of years, have any of the following happened to you? | Death of a household member" x89d length = 3. format = PYNFM. label = "X89D: In the last couple of years, have any of the following happened to you? | Addition to your household (not spouse/partner)" x89e length = 3. format = PYNFM. label = "X89E: In the last couple of years, have any of the following happened to you? | Person leaving your household (not spouse/partner)" x89f length = 3. format = PYNFM. label = "X89F: In the last couple of years, have any of the following happened to you? | Disability or serious illness of household member" x89g length = 3. format = PYNFM. label = "X89G: In the last couple of years, have any of the following happened to you? | Disaster affecting a property you own" x89h length = 3. format = PYNFM. label = "X89H: In the last couple of years, have any of the following happened to you? | Disaster affecting your (or your spouse/partner's) work" x89i length = 3. format = PYNFM. label = "X89I: In the last couple of years, have any of the following happened to you? | Moved within the area (less than 50 miles)" x89j length = 3. format = PYNFM. label = "X89J: In the last couple of years, have any of the following happened to you? | Moved to a new area (50 miles or more)" x90a length = 3. format = PYNFM. label = "X90A: In the last couple of years, have any of the following happened to you (or your spouse/partner)? | Layoff, unemployment, or reduced hours of work" x90b length = 3. format = PYNFM. label = "X90B: In the last couple of years, have any of the following happened to you (or your spouse/partner)? | Retirement (Waves 4-34)" x90c length = 3. format = PYNFM. label = "X90C: In the last couple of years, have any of the following happened to you (or your spouse/partner)? | Promotion" x90d length = 3. format = PYNFM. label = "X90D: In the last couple of years, have any of the following happened to you (or your spouse/partner)? | Starting a new job" x90e length = 3. format = PYNFM. label = "X90E: In the last couple of years, have any of the following happened to you (or your spouse/partner)? | Starting a second job" x90f length = 3. format = PYNFM. label = "X90F: In the last couple of years, have any of the following happened to you (or your spouse/partner)? | Business failure" x90g length = 3. format = PYNFM. label = "X90G: In the last couple of years, have any of the following happened to you (or your spouse/partner)? | A personal financial crisis" x91a length = 3. format = PCHANGEFM. label = "X91A: In the last couple years, how have the following changed for you (and your spouse/partner)? | Household income" x91b length = 3. format = PCHANGEFM. label = "X91B: In the last couple years, how have the following changed for you (and your spouse/partner)? | Housing expenses" x91c length = 3. format = PCHANGEFM. label = "X91C: In the last couple years, how have the following changed for you (and your spouse/partner)? | Non-housing expenses" x92a length = 3. format = PCHANGEFM. label = "X92A: In the next couple of years, how do you expect the following to change for you (and your spouse/partner)? | Household income" x92b length = 3. format = PCHANGEFM. label = "X92B: In the next couple of years, how do you expect the following to change for you (and your spouse/partner)? | Housing expenses" x92c length = 3. format = PCHANGEFM. label = "X92C: In the next couple of years, how do you expect the following to change for you (and your spouse/partner)? | Non-housing expenses" x93a length = 3. format = PVERYFM. label = "X93A: How likely is it that in the next couple of years you (or your spouse/partner) will face... | Retirement" x93b length = 3. format = PVERYFM. label = "X93B: How likely is it that in the next couple of years you (or your spouse/partner) will face... | Difficulties making your mortgage payments" x93c length = 3. format = PVERYFM. label = "X93C: How likely is it that in the next couple of years you (or your spouse/partner) will face... | A layoff, unemployment, or forced reduction in hours" x93d length = 3. format = PVERYFM. label = "X93D: How likely is it that in the next couple of years you (or your spouse/partner) will face... | Some other personal financial crisis" x94a length = 3. format = PVERYFM. label = "X94A: If your household faced an unexpected personal financial crisis in the next couple of years, how likely is it you could... | Pay your bills for the next 3 months without borrowing" x94b length = 3. format = PVERYFM. label = "X94B: If your household faced an unexpected personal financial crisis in the next couple of years, how likely is it you could... | Get significant financial help from family or friends" x94c length = 3. format = PVERYFM. label = "X94C: If your household faced an unexpected personal financial crisis in the next couple of years, how likely is it you could... | Borrow a significant amount from a bank or credit union" x94d length = 3. format = PVERYFM. label = "X94D: If your household faced an unexpected personal financial crisis in the next couple of years, how likely is it you could... | Significantly increase your income" open_year length = 3. format = PYRFM. label = "Mortgage Origination Year" open_month length = 3. format = PMOFM. label = "Mortgage Origination Month" loan_amount_cat length = 3. format = PLAMTFM. label = "Mortgage Loan Amount at Origination (Categorical)" jumbo length = 3. format = PYNFM. label = "Flag Indicating Jumbo Mortgage Loan at Origination" rate_spread length = 8. format = PSPRFM. label = "Mortgage Interest Rate Spread at Origination (Percent)" pmms length = 8. format = PPMMSFM. label = "Freddie Mac's Primary Mortgage Market Survey (PMMS) Rate at Origination (Percent)" term length = 3. format = PTERMFM. label = "Mortgage Term (in Years) at Origination" ltv length = 8. format = PLTVFM. label = "Mortgage Loan-to-Value Ratio at Origination (Percent)" cltv length = 8. format = PLTVFM. label = "Mortgage Combined Loan-to-Value Ratio at Origination (Percent)" dti length = 8. format = PDTIFM. label = "Mortgage Debt-to-Income (Back End) Ratio at Origination (Percent)" pti length = 8. format = PPTIFM. label = "Mortgage Payment-to-Income (Front End) Ratio at Origination (Percent)" loan_type length = 3. format = PLTYPEFM. label = "Mortgage Type" gse length = 3. format = PPTYPEFM. label = "Government Sponsored Enterprise" cu length = 3. format = PYNFM. label = "Credit Union" metro_lmi length = 3. format = PMETLMIFM. label = "Flag Indicating Metropolitan CRA Low to Moderate Income Tract" borrower_num length = 3. format = PBORRFM. label = "Number of Borrowers at Origination" borrower_r length = 3. format = PYNFM. label = "Flag Indicating Respondent is a Borrower" borrower_s length = 3. format = PYNFM. label = "Flag Indicating Spouse/Partner is a Borrower" age_o1 length = 3. format = PAGEFM. label = "Age | Other Borrower 1" age_o2 length = 3. format = PAGEFM. label = "Age | Other Borrower 2" age_o3 length = 3. format = PAGEFM. label = "Age | Other Borrower 3" sex_o1 length = 3. format = PSEXFM. label = "Sex | Other Borrower 1" sex_o2 length = 3. format = PSEXFM. label = "Sex | Other Borrower 2" sex_o3 length = 3. format = PSEXFM. label = "Sex | Other Borrower 3" first_mort_r length = 3. format = PYNFM. label = "Flag Indicating First Mortgage in Credit File | Respondent" first_mort_s length = 3. format = PYNFM. label = "Flag Indicating First Mortgage in Credit File | Spouse/Partner" first_mort_o1 length = 3. format = PYNFM. label = "Flag Indicating First Mortgage in Credit File | Other Borrower 1" first_mort_o2 length = 3. format = PYNFM. label = "Flag Indicating First Mortgage in Credit File | Other Borrower 2" first_mort_o3 length = 3. format = PYNFM. label = "Flag Indicating First Mortgage in Credit File | Other Borrower 3" score_orig_r length = 3. format = PSCOREFM. label = "VantageScore 3.0 at Origination | Respondent" score_orig_s length = 3. format = PSCOREFM. label = "VantageScore 3.0 at Origination | Spouse/Partner" score_orig_o1 length = 3. format = PSCOREFM. label = "VantageScore 3.0 at Origination | Other Borrower 1" score_orig_o2 length = 3. format = PSCOREFM. label = "VantageScore 3.0 at Origination | Other Borrower 2" score_orig_o3 length = 3. format = PSCOREFM. label = "VantageScore 3.0 at Origination | Other Borrower 3" score_0313_r length = 3. format = PSCOREFM. label = "VantageScore 3.0 in March 2013 | Respondent" score_0613_r length = 3. format = PSCOREFM. label = "VantageScore 3.0 in June 2013 | Respondent" score_0913_r length = 3. format = PSCOREFM. label = "VantageScore 3.0 in September 2013 | Respondent" score_1213_r length = 3. format = PSCOREFM. label = "VantageScore 3.0 in December 2013 | Respondent" score_0314_r length = 3. format = PSCOREFM. label = "VantageScore 3.0 in March 2014 | Respondent" score_0614_r length = 3. format = PSCOREFM. label = "VantageScore 3.0 in June 2014 | Respondent" score_0914_r length = 3. format = PSCOREFM. label = "VantageScore 3.0 in September 2014 | Respondent" score_1214_r length = 3. format = PSCOREFM. label = "VantageScore 3.0 in December 2014 | Respondent" score_0315_r length = 3. format = PSCOREFM. label = "VantageScore 3.0 in March 2015 | Respondent" score_0615_r length = 3. format = PSCOREFM. label = "VantageScore 3.0 in June 2015 | Respondent" score_0915_r length = 3. format = PSCOREFM. label = "VantageScore 3.0 in September 2015 | Respondent" score_1215_r length = 3. format = PSCOREFM. label = "VantageScore 3.0 in December 2015 | Respondent" score_0316_r length = 3. format = PSCOREFM. label = "VantageScore 3.0 in March 2016 | Respondent" score_0616_r length = 3. format = PSCOREFM. label = "VantageScore 3.0 in June 2016 | Respondent" score_0916_r length = 3. format = PSCOREFM. label = "VantageScore 3.0 in September 2016 | Respondent" score_1216_r length = 3. format = PSCOREFM. label = "VantageScore 3.0 in December 2016 | Respondent" score_0317_r length = 3. format = PSCOREFM. label = "VantageScore 3.0 in March 2017 | Respondent" score_0617_r length = 3. format = PSCOREFM. label = "VantageScore 3.0 in June 2017 | Respondent" score_0917_r length = 3. format = PSCOREFM. label = "VantageScore 3.0 in September 2017 | Respondent" score_1217_r length = 3. format = PSCOREFM. label = "VantageScore 3.0 in December 2017 | Respondent" score_0318_r length = 3. format = PSCOREFM. label = "VantageScore 3.0 in March 2018 | Respondent" score_0618_r length = 3. format = PSCOREFM. label = "VantageScore 3.0 in June 2018 | Respondent" score_0918_r length = 3. format = PSCOREFM. label = "VantageScore 3.0 in September 2018 | Respondent" score_1218_r length = 3. format = PSCOREFM. label = "VantageScore 3.0 in December 2018 | Respondent" score_0319_r length = 3. format = PSCOREFM. label = "VantageScore 3.0 in March 2019 | Respondent" score_0619_r length = 3. format = PSCOREFM. label = "VantageScore 3.0 in June 2019 | Respondent" score_0919_r length = 3. format = PSCOREFM. label = "VantageScore 3.0 in September 2019 | Respondent" score_1219_r length = 3. format = PSCOREFM. label = "VantageScore 3.0 in December 2019 | Respondent" score_0320_r length = 3. format = PSCOREFM. label = "VantageScore 3.0 in March 2020 | Respondent" score_0620_r length = 3. format = PSCOREFM. label = "VantageScore 3.0 in June 2020 | Respondent" score_0920_r length = 3. format = PSCOREFM. label = "VantageScore 3.0 in September 2020 | Respondent" score_1220_r length = 3. format = PSCOREFM. label = "VantageScore 3.0 in December 2020 | Respondent" score_0321_r length = 3. format = PSCOREFM. label = "VantageScore 3.0 in March 2021 | Respondent" score_0621_r length = 3. format = PSCOREFM. label = "VantageScore 3.0 in June 2021 | Respondent" score_0921_r length = 3. format = PSCOREFM. label = "VantageScore 3.0 in September 2021 | Respondent" score_1221_r length = 3. format = PSCOREFM. label = "VantageScore 3.0 in December 2021 | Respondent" score_0322_r length = 3. format = PSCOREFM. label = "VantageScore 3.0 in March 2022 | Respondent" score_0622_r length = 3. format = PSCOREFM. label = "VantageScore 3.0 in June 2022 | Respondent" score_0922_r length = 3. format = PSCOREFM. label = "VantageScore 3.0 in September 2022 | Respondent" score_1222_r length = 3. format = PSCOREFM. label = "VantageScore 3.0 in December 2022 | Respondent" score_0323_r length = 3. format = PSCOREFM. label = "VantageScore 3.0 in March 2023 | Respondent" score_0623_r length = 3. format = PSCOREFM. label = "VantageScore 3.0 in June 2023 | Respondent" score_0923_r length = 3. format = PSCOREFM. label = "VantageScore 3.0 in September 2023 | Respondent" score_0313_s length = 3. format = PSCOREFM. label = "VantageScore 3.0 in March 2013 | Spouse/Partner" score_0613_s length = 3. format = PSCOREFM. label = "VantageScore 3.0 in June 2013 | Spouse/Partner" score_0913_s length = 3. format = PSCOREFM. label = "VantageScore 3.0 in September 2013 | Spouse/Partner" score_1213_s length = 3. format = PSCOREFM. label = "VantageScore 3.0 in December 2013 | Spouse/Partner" score_0314_s length = 3. format = PSCOREFM. label = "VantageScore 3.0 in March 2014 | Spouse/Partner" score_0614_s length = 3. format = PSCOREFM. label = "VantageScore 3.0 in June 2014 | Spouse/Partner" score_0914_s length = 3. format = PSCOREFM. label = "VantageScore 3.0 in September 2014 | Spouse/Partner" score_1214_s length = 3. format = PSCOREFM. label = "VantageScore 3.0 in December 2014 | Spouse/Partner" score_0315_s length = 3. format = PSCOREFM. label = "VantageScore 3.0 in March 2015 | Spouse/Partner" score_0615_s length = 3. format = PSCOREFM. label = "VantageScore 3.0 in June 2015 | Spouse/Partner" score_0915_s length = 3. format = PSCOREFM. label = "VantageScore 3.0 in September 2015 | Spouse/Partner" score_1215_s length = 3. format = PSCOREFM. label = "VantageScore 3.0 in December 2015 | Spouse/Partner" score_0316_s length = 3. format = PSCOREFM. label = "VantageScore 3.0 in March 2016 | Spouse/Partner" score_0616_s length = 3. format = PSCOREFM. label = "VantageScore 3.0 in June 2016 | Spouse/Partner" score_0916_s length = 3. format = PSCOREFM. label = "VantageScore 3.0 in September 2016 | Spouse/Partner" score_1216_s length = 3. format = PSCOREFM. label = "VantageScore 3.0 in December 2016 | Spouse/Partner" score_0317_s length = 3. format = PSCOREFM. label = "VantageScore 3.0 in March 2017 | Spouse/Partner" score_0617_s length = 3. format = PSCOREFM. label = "VantageScore 3.0 in June 2017 | Spouse/Partner" score_0917_s length = 3. format = PSCOREFM. label = "VantageScore 3.0 in September 2017 | Spouse/Partner" score_1217_s length = 3. format = PSCOREFM. label = "VantageScore 3.0 in December 2017 | Spouse/Partner" score_0318_s length = 3. format = PSCOREFM. label = "VantageScore 3.0 in March 2018 | Spouse/Partner" score_0618_s length = 3. format = PSCOREFM. label = "VantageScore 3.0 in June 2018 | Spouse/Partner" score_0918_s length = 3. format = PSCOREFM. label = "VantageScore 3.0 in September 2018 | Spouse/Partner" score_1218_s length = 3. format = PSCOREFM. label = "VantageScore 3.0 in December 2018 | Spouse/Partner" score_0319_s length = 3. format = PSCOREFM. label = "VantageScore 3.0 in March 2019 | Spouse/Partner" score_0619_s length = 3. format = PSCOREFM. label = "VantageScore 3.0 in June 2019 | Spouse/Partner" score_0919_s length = 3. format = PSCOREFM. label = "VantageScore 3.0 in September 2019 | Spouse/Partner" score_1219_s length = 3. format = PSCOREFM. label = "VantageScore 3.0 in December 2019 | Spouse/Partner" score_0320_s length = 3. format = PSCOREFM. label = "VantageScore 3.0 in March 2020 | Spouse/Partner" score_0620_s length = 3. format = PSCOREFM. label = "VantageScore 3.0 in June 2020 | Spouse/Partner" score_0920_s length = 3. format = PSCOREFM. label = "VantageScore 3.0 in September 2020 | Spouse/Partner" score_1220_s length = 3. format = PSCOREFM. label = "VantageScore 3.0 in December 2020 | Spouse/Partner" score_0321_s length = 3. format = PSCOREFM. label = "VantageScore 3.0 in March 2021 | Spouse/Partner" score_0621_s length = 3. format = PSCOREFM. label = "VantageScore 3.0 in June 2021 | Spouse/Partner" score_0921_s length = 3. format = PSCOREFM. label = "VantageScore 3.0 in September 2021 | Spouse/Partner" score_1221_s length = 3. format = PSCOREFM. label = "VantageScore 3.0 in December 2021 | Spouse/Partner" score_0322_s length = 3. format = PSCOREFM. label = "VantageScore 3.0 in March 2022 | Spouse/Partner" score_0622_s length = 3. format = PSCOREFM. label = "VantageScore 3.0 in June 2022 | Spouse/Partner" score_0922_s length = 3. format = PSCOREFM. label = "VantageScore 3.0 in September 2022 | Spouse/Partner" score_1222_s length = 3. format = PSCOREFM. label = "VantageScore 3.0 in December 2022 | Spouse/Partner" score_0323_s length = 3. format = PSCOREFM. label = "VantageScore 3.0 in March 2023 | Spouse/Partner" score_0623_s length = 3. format = PSCOREFM. label = "VantageScore 3.0 in June 2023 | Spouse/Partner" score_0923_s length = 3. format = PSCOREFM. label = "VantageScore 3.0 in September 2023 | Spouse/Partner" perf_status_0313 length = $1. format = $PSTATFM. label = "Mortgage Performance Status in March 2013" perf_status_0613 length = $1. format = $PSTATFM. label = "Mortgage Performance Status in June 2013" perf_status_0913 length = $1. format = $PSTATFM. label = "Mortgage Performance Status in September 2013" perf_status_1213 length = $1. format = $PSTATFM. label = "Mortgage Performance Status in December 2013" perf_status_0314 length = $1. format = $PSTATFM. label = "Mortgage Performance Status in March 2014" perf_status_0614 length = $1. format = $PSTATFM. label = "Mortgage Performance Status in June 2014" perf_status_0914 length = $1. format = $PSTATFM. label = "Mortgage Performance Status in September 2014" perf_status_1214 length = $1. format = $PSTATFM. label = "Mortgage Performance Status in December 2014" perf_status_0315 length = $1. format = $PSTATFM. label = "Mortgage Performance Status in March 2015" perf_status_0615 length = $1. format = $PSTATFM. label = "Mortgage Performance Status in June 2015" perf_status_0915 length = $1. format = $PSTATFM. label = "Mortgage Performance Status in September 2015" perf_status_1215 length = $1. format = $PSTATFM. label = "Mortgage Performance Status in December 2015" perf_status_0316 length = $1. format = $PSTATFM. label = "Mortgage Performance Status in March 2016" perf_status_0616 length = $1. format = $PSTATFM. label = "Mortgage Performance Status in June 2016" perf_status_0916 length = $1. format = $PSTATFM. label = "Mortgage Performance Status in September 2016" perf_status_1216 length = $1. format = $PSTATFM. label = "Mortgage Performance Status in December 2016" perf_status_0317 length = $1. format = $PSTATFM. label = "Mortgage Performance Status in March 2017" perf_status_0617 length = $1. format = $PSTATFM. label = "Mortgage Performance Status in June 2017" perf_status_0917 length = $1. format = $PSTATFM. label = "Mortgage Performance Status in September 2017" perf_status_1217 length = $1. format = $PSTATFM. label = "Mortgage Performance Status in December 2017" perf_status_0318 length = $1. format = $PSTATFM. label = "Mortgage Performance Status in March 2018" perf_status_0618 length = $1. format = $PSTATFM. label = "Mortgage Performance Status in June 2018" perf_status_0918 length = $1. format = $PSTATFM. label = "Mortgage Performance Status in September 2018" perf_status_1218 length = $1. format = $PSTATFM. label = "Mortgage Performance Status in December 2018" perf_status_0319 length = $1. format = $PSTATFM. label = "Mortgage Performance Status in March 2019" perf_status_0619 length = $1. format = $PSTATFM. label = "Mortgage Performance Status in June 2019" perf_status_0919 length = $1. format = $PSTATFM. label = "Mortgage Performance Status in September 2019" perf_status_1219 length = $1. format = $PSTATFM. label = "Mortgage Performance Status in December 2019" perf_status_0320 length = $1. format = $PSTATFM. label = "Mortgage Performance Status in March 2020" perf_status_0620 length = $1. format = $PSTATFM. label = "Mortgage Performance Status in June 2020" perf_status_0920 length = $1. format = $PSTATFM. label = "Mortgage Performance Status in September 2020" perf_status_1220 length = $1. format = $PSTATFM. label = "Mortgage Performance Status in December 2020" perf_status_0321 length = $1. format = $PSTATFM. label = "Mortgage Performance Status in March 2021" perf_status_0621 length = $1. format = $PSTATFM. label = "Mortgage Performance Status in June 2021" perf_status_0921 length = $1. format = $PSTATFM. label = "Mortgage Performance Status in September 2021" perf_status_1221 length = $1. format = $PSTATFM. label = "Mortgage Performance Status in December 2021" perf_status_0322 length = $1. format = $PSTATFM. label = "Mortgage Performance Status in March 2022" perf_status_0622 length = $1. format = $PSTATFM. label = "Mortgage Performance Status in June 2022" perf_status_0922 length = $1. format = $PSTATFM. label = "Mortgage Performance Status in September 2022" perf_status_1222 length = $1. format = $PSTATFM. label = "Mortgage Performance Status in December 2022" perf_status_0323 length = $1. format = $PSTATFM. label = "Mortgage Performance Status in March 2023" perf_status_0623 length = $1. format = $PSTATFM. label = "Mortgage Performance Status in June 2023" perf_status_0923 length = $1. format = $PSTATFM. label = "Mortgage Performance Status in September 2023" close_year length = 3. format = PYRFM. label = "Mortgage Termination Year" close_month length = 3. format = PMOFM. label = "Mortgage Termination Month" close_status_0923 length = 3. format = PCSTATFM. label = "Mortgage Termination Status in September 2023" cashout length = 3. format = PCASHOUT. label = "Flag Indicating Cashout Refinance" forb0320 length = 3. format = PFORB. label = "Flag Indicating Forbearance Status, March 2020" forb0620 length = 3. format = PFORB. label = "Flag Indicating Forbearance Status, June 2020" forb0920 length = 3. format = PFORB. label = "Flag Indicating Forbearance Status, September 2020" forb1220 length = 3. format = PFORB. label = "Flag Indicating Forbearance Status, December 2020" forb0321 length = 3. format = PFORB. label = "Flag Indicating Forbearance Status, March 2021" forb0621 length = 3. format = PFORB. label = "Flag Indicating Forbearance Status, June 2021" forb0921 length = 3. format = PFORB. label = "Flag Indicating Forbearance Status, September 2021" forb1221 length = 3. format = PFORB. label = "Flag Indicating Forbearance Status, December 2021" forb0322 length = 3. format = PFORB. label = "Flag Indicating Forbearance Status, March 2022" forb0622 length = 3. format = PFORB. label = "Flag Indicating Forbearance Status, June 2022" forb0922 length = 3. format = PFORB. label = "Flag Indicating Forbearance Status, September 2022" forb1222 length = 3. format = PFORB. label = "Flag Indicating Forbearance Status, December 2022" forb0323 length = 3. format = PFORB. label = "Flag Indicating Forbearance Status, March 2023" forb0623 length = 3. format = PFORB. label = "Flag Indicating Forbearance Status, June 2023" forb0923 length = 3. format = PFORB. label = "Flag Indicating Forbearance Status, September 2023" mtmltv0313 length = 8. format = PLTVFM. label = "Mark-to-Market Loan-to-Value Ratio of the Mortgage, March 2013" mtmltv0613 length = 8. format = PLTVFM. label = "Mark-to-Market Loan-to-Value Ratio of the Mortgage, June 2013" mtmltv0913 length = 8. format = PLTVFM. label = "Mark-to-Market Loan-to-Value Ratio of the Mortgage, September 2013" mtmltv1213 length = 8. format = PLTVFM. label = "Mark-to-Market Loan-to-Value Ratio of the Mortgage, December 2013" mtmltv0314 length = 8. format = PLTVFM. label = "Mark-to-Market Loan-to-Value Ratio of the Mortgage, March 2014" mtmltv0614 length = 8. format = PLTVFM. label = "Mark-to-Market Loan-to-Value Ratio of the Mortgage, June 2014" mtmltv0914 length = 8. format = PLTVFM. label = "Mark-to-Market Loan-to-Value Ratio of the Mortgage, September 2014" mtmltv1214 length = 8. format = PLTVFM. label = "Mark-to-Market Loan-to-Value Ratio of the Mortgage, December 2014" mtmltv0315 length = 8. format = PLTVFM. label = "Mark-to-Market Loan-to-Value Ratio of the Mortgage, March 2015" mtmltv0615 length = 8. format = PLTVFM. label = "Mark-to-Market Loan-to-Value Ratio of the Mortgage, June 2015" mtmltv0915 length = 8. format = PLTVFM. label = "Mark-to-Market Loan-to-Value Ratio of the Mortgage, September 2015" mtmltv1215 length = 8. format = PLTVFM. label = "Mark-to-Market Loan-to-Value Ratio of the Mortgage, December 2015" mtmltv0316 length = 8. format = PLTVFM. label = "Mark-to-Market Loan-to-Value Ratio of the Mortgage, March 2016" mtmltv0616 length = 8. format = PLTVFM. label = "Mark-to-Market Loan-to-Value Ratio of the Mortgage, June 2016" mtmltv0916 length = 8. format = PLTVFM. label = "Mark-to-Market Loan-to-Value Ratio of the Mortgage, September 2016" mtmltv1216 length = 8. format = PLTVFM. label = "Mark-to-Market Loan-to-Value Ratio of the Mortgage, December 2016" mtmltv0317 length = 8. format = PLTVFM. label = "Mark-to-Market Loan-to-Value Ratio of the Mortgage, March 2017" mtmltv0617 length = 8. format = PLTVFM. label = "Mark-to-Market Loan-to-Value Ratio of the Mortgage, June 2017" mtmltv0917 length = 8. format = PLTVFM. label = "Mark-to-Market Loan-to-Value Ratio of the Mortgage, September 2017" mtmltv1217 length = 8. format = PLTVFM. label = "Mark-to-Market Loan-to-Value Ratio of the Mortgage, December 2017" mtmltv0318 length = 8. format = PLTVFM. label = "Mark-to-Market Loan-to-Value Ratio of the Mortgage, March 2018" mtmltv0618 length = 8. format = PLTVFM. label = "Mark-to-Market Loan-to-Value Ratio of the Mortgage, June 2018" mtmltv0918 length = 8. format = PLTVFM. label = "Mark-to-Market Loan-to-Value Ratio of the Mortgage, September 2018" mtmltv1218 length = 8. format = PLTVFM. label = "Mark-to-Market Loan-to-Value Ratio of the Mortgage, December 2018" mtmltv0319 length = 8. format = PLTVFM. label = "Mark-to-Market Loan-to-Value Ratio of the Mortgage, March 2019" mtmltv0619 length = 8. format = PLTVFM. label = "Mark-to-Market Loan-to-Value Ratio of the Mortgage, June 2019" mtmltv0919 length = 8. format = PLTVFM. label = "Mark-to-Market Loan-to-Value Ratio of the Mortgage, September 2019" mtmltv1219 length = 8. format = PLTVFM. label = "Mark-to-Market Loan-to-Value Ratio of the Mortgage, December 2019" mtmltv0320 length = 8. format = PLTVFM. label = "Mark-to-Market Loan-to-Value Ratio of the Mortgage, March 2020" mtmltv0620 length = 8. format = PLTVFM. label = "Mark-to-Market Loan-to-Value Ratio of the Mortgage, June 2020" mtmltv0920 length = 8. format = PLTVFM. label = "Mark-to-Market Loan-to-Value Ratio of the Mortgage, September 2020" mtmltv1220 length = 8. format = PLTVFM. label = "Mark-to-Market Loan-to-Value Ratio of the Mortgage, December 2020" mtmltv0321 length = 8. format = PLTVFM. label = "Mark-to-Market Loan-to-Value Ratio of the Mortgage, March 2021" mtmltv0621 length = 8. format = PLTVFM. label = "Mark-to-Market Loan-to-Value Ratio of the Mortgage, June 2021" mtmltv0921 length = 8. format = PLTVFM. label = "Mark-to-Market Loan-to-Value Ratio of the Mortgage, September 2021" mtmltv1221 length = 8. format = PLTVFM. label = "Mark-to-Market Loan-to-Value Ratio of the Mortgage, December 2021" mtmltv0322 length = 8. format = PLTVFM. label = "Mark-to-Market Loan-to-Value Ratio of the Mortgage, March 2022" mtmltv0622 length = 8. format = PLTVFM. label = "Mark-to-Market Loan-to-Value Ratio of the Mortgage, June 2022" mtmltv0922 length = 8. format = PLTVFM. label = "Mark-to-Market Loan-to-Value Ratio of the Mortgage, September 2022" mtmltv1222 length = 8. format = PLTVFM. label = "Mark-to-Market Loan-to-Value Ratio of the Mortgage, December 2022" mtmltv0323 length = 8. format = PLTVFM. label = "Mark-to-Market Loan-to-Value Ratio of the Mortgage, March 2023" mtmltv0623 length = 8. format = PLTVFM. label = "Mark-to-Market Loan-to-Value Ratio of the Mortgage, June 2023" mtmltv0923 length = 8. format = PLTVFM. label = "Mark-to-Market Loan-to-Value Ratio of the Mortgage, September 2023" ;