nsmo codebook and tabulations...feb 20, 2020 · q05: when you began the process of getting this...

Appendix C

National Survey of Mortgage OriginationsPublic Use FileCodebook and Tabulations

2020February 20

This document was prepared by Robert B. Avery, Mary F. Bilinski, Tim Critchfield, Craig Davis, Ian H. Keith, Ismail E. Mohamed, Saty Patrabansh, Jay D. Schultz, and Rebecca Sullivan.

R TECHNICALREPORT 2

Table of Contents

Section 1: Codebook .................................................................................................................. 1

Part A: Survey Variables ...................................................................................................... 3

Part B: Supplemental Variables ...........................................................................................95

Section 2: Tabulations ............................................................................................................. 103

NMDB Technical Report 2 Appendix C____________________________________________________________________________________NSMO Codebook and Tabulations

i

Section 1: Codebook This codebook consists of two parts. The first part lists 309 variables from the National Survey of Mortgage Originations (NSMO). The second part lists an additional 118 supplementary variables. In the first part, the responses to each survey sub-question in NSMO are recorded as separate variables. There are five types of survey variables.

1. X variables with a 2-digit number suffix: Multiple-choice questions yielding categorical variablesare named with a prefix of X followed by the question number in the 15th wave of the survey (e.g.,responses to the multiple-choice question 6 are recorded in the variable X06).

2. X variables with a 2-digit number and a 1 letter suffix: Multi-part questions are marked with lettersafter the question number in the variable name (e.g., responses to the first part of multiple-choicequestion 5 are recorded in the variable X05a, responses to the second part are recorded in thevariable X05b, etc.).

3. X variables with a 2-digit number and an “R” or “S” suffix: Near the end of the survey,respondents were asked to answer questions both for themselves and for their spouse/partner. Forthese questions, variables recording the respondent’s answers for themselves have a suffix of Rappended to the end of their variable name (e.g., X74R records the response to the categoricalquestion 74 pertaining to the respondent). Variables recording the respondent’s answers for theirspouse or partner have a suffix of S appended to the end of their variable name (e.g., X74S recordsthe response to the categorical question 74 pertaining to the respondent’s spouse/partner).

4. X variables with a 2-digit number and an “_1” suffix: Questions were edited between waves toimprove response quality. When these questions were altered to the extent that responses are notdirectly comparable between waves, the data from the first waves’ responses are recorded with asuffix of “_1” at the end of the variable name. For example, Question 14 asks respondents to rankhow important various factors are when selecting a lender or mortgage broker. In the first six wavesof the survey, respondents’ responses “Very”, “Somewhat”, and “Not at all” are recorded in X14_1. Insubsequent waves, the responses “Important” or “Not important” are recorded as X14. Responsesfrom early waves are recorded in variables ending in “_1” and responses from latter waves arerecorded in variables named as described above. This codebook details exactly how questionschanged between waves, with alterations marked in red text. In a small number of cases, multiplequestions were combined in later waves. These cases have additional letters and numbers before the“_1” in the variable name to clarify how questions changed between waves (e.g., X53e is acombination of two previous questions, name X53e1_1 and X53e2_1).

5. Z variables with a 2-digit number suffix: Questions yielding continuous variables are named with aprefix of Z followed by the question number in the 15th wave of the survey. In the public use file,these variables record whether the respondent chose to answer that question, where “1” indicatesthat the question was not answered and a “2” indicates that the question was answered. Exactvalues of the continuous variables are not provided in the public use file in order to protectrespondents’ privacy.

6. R variables with a 2-digit number suffix: Multiple-choice questions yielding categorical variablesare named with a prefix of R followed by the question number in the 15th wave of the survey if thequestions were retired after the 15th wave. (e.g., R39 and R52). Please use these variables withcaution.


1

In the second part, the variables characterize the mortgage and borrowers. Most variables are about the mortgage. A smaller number of variables are about the borrowers. In addition to the R and the S suffixes, variables about borrowers who were not a respondent or spouse or partner (i.e., an ‘other’ borrower) have the suffix of O1, O2, or O3. VantageScore® 3.0 credit scores of the respondent and spouse or partner, and mortgage performance status are provided on a quarterly basis, as indicated by the variable name (e.g., the mortgage performance status variable in the second quarter of 2018, ending June 2018, uses the suffix 0618).


2

Part

A: S

urve

y Va

riabl

es

Col

Va

riabl

e N

ame

(con

ditio

n, if

app

licab

le)

Que

stio

n R

espo

nses

1 N

SMO

ID

NSM

O Id

entif

icat

ion

Num

ber

Seq

uent

ial n

umbe

r for

a s

ampl

e m

ortg

age

2000

01 –

229

962

2 Su

rvey

_Wav

e N

SMO

Sur

vey

Wav

e (Q

uarte

rly)

The

NS

MO

sur

vey

was

con

duct

ed s

tarti

ng w

ith q

uarte

r 1 o

f 201

4.

Not

e th

at 2

018

mor

tgag

es s

urve

yed

in q

uarte

rs 1

8 an

d af

ter a

re n

ot

incl

uded

in th

is re

leas

e.

1 =

201

4 Q

uarte

r 1

2 =

201

4 Q

uarte

r 2

3 =

201

4 Q

uarte

r 3

4 =

201

4 Q

uarte

r 4

5 =

201

5 Q

uarte

r 1

6 =

201

5 Q

uarte

r 2

7 =

201

5 Q

uarte

r 3

8 =

201

5 Q

uarte

r 4

9 =

201

6 Q

uarte

r 1

10 =

201

6 Q

uarte

r 2

11 =

201

6 Q

uarte

r 3

12 =

201

6 Q

uarte

r 4

13 =

201

7 Q

uarte

r 1

14 =

201

7 Q

uarte

r 2

15 =

201

7 Q

uarte

r 3

16 =

201

7 Q

uarte

r 4

17 =

201

8 Q

uarte

r 1

18 =

201

8 Q

uarte

r 2

19 =

201

8 Q

uarte

r 3

20 =

201

8 Q

uarte

r 4

21 =

201

9 Q

uarte

r 1

3 A

naly

sis_

Wei

ght

NSM

O A

naly

sis

Wei

ght (

Sam

plin

g W

eigh

t x N

on-re

spon

se A

djus

tmen

t) Th

e an

alys

is w

eigh

t is

the

prod

uct o

f sam

plin

g w

eigh

t and

non

-res

pons

e ad

just

men

t

442.

15 –

458

0.76

4 X0

5A

Wav

es 1

5 –

21

Q05

: Whe

n yo

u be

gan

the

proc

ess

of g

ettin

g th

is m

ortg

age,

how

fam

iliar

wer

e yo

u (a

nd a

ny c

o-si

gner

s) w

ith e

ach

of th

e fo

llow

ing?

| Th

e m

ortg

age

inte

rest

rate

s av

aila

ble

at th

at ti

me

Wav

es 7

– 1

4 Q

04: W

hen

you

bega

n th

e pr

oces

s of

get

ting

this

mor

tgag

e, h

ow fa

milia

r w

ere

you

(and

any

co-

sign

ers)

with

eac

h of

the

follo

win

g? |

The

mor

tgag

e in

tere

st ra

tes

avai

labl

e at

that

tim

e

(con

tinue

d on

the

next

pag

e)

Wav

es 1

– 2

1 1

= Ve

ry

2 =

Som

ewha

t 3

= N

ot A

t All


3

Col

Va

riabl

e N

ame

(con

ditio

n, if

app

licab

le)

Que

stio

n R

espo

nses

Wav

es 1

– 6

Q

04: W

hen

you

bega

n th

e pr

oces

s of

get

ting

your

mor

tgag

e, h

ow

fam

iliar w

ere

you

(and

any

co-

sign

ers)

with

eac

h of

the

follo

win

g? |

The

mor

tgag

e in

tere

st ra

tes

avai

labl

e at

that

tim

e 5

X05B

W

aves

15

– 21

Q

05: W

hen

you

bega

n th

e pr

oces

s of

get

ting

this

mor

tgag

e, h

ow fa

milia

r w

ere

you

(and

any

co-

sign

ers)

with

eac

h of

the

follo

win

g? |

The

diffe

rent

type

s of

mor

tgag

es a

vaila

ble

Wav

es 7

– 1

4 Q

04: W

hen

you

bega

n th

e pr

oces

s of

get

ting

this

mor

tgag

e, h

ow fa

milia

r w

ere

you

(and

any

co-

sign

ers)

with

eac

h of

the

follo

win

g? |

The

diffe

rent

type

s of

mor

tgag

es a

vaila

ble

Wav

es 1

– 6

Q

04: W

hen

you

bega

n th

e pr

oces

s of

get

ting

your

mor

tgag

e, h

ow

fam

iliar w

ere

you

(and

any

co-

sign

ers)

with

eac

h of

the

follo

win

g? |

The

diffe

rent

type

s of

mor

tgag

es a

vaila

ble

Wav

es 1

– 2

1 1

= Ve

ry

2 =

Som

ewha

t 3

= N

ot A

t All

6 X0

5C

Wav

es 1

5 –

21

Q05

: Whe

n yo

u be

gan

the

proc

ess

of g

ettin

g th

is m

ortg

age,

how

fam

iliar

wer

e yo

u (a

nd a

ny c

o-si

gner

s) w

ith e

ach

of th

e fo

llow

ing?

| Th

e m

ortg

age

proc

ess

Wav

es 7

– 1

4 Q

04: W

hen

you

bega

n th

e pr

oces

s of

get

ting

this

mor

tgag

e, h

ow fa

milia

r w

ere

you

(and

any

co-

sign

ers)

with

eac

h of

the

follo

win

g? |

The

mor

tgag

e pr

oces

s W

aves

1 –

6

Q04

: Whe

n yo

u be

gan

the

proc

ess

of g

ettin

g yo

ur m

ortg

age,

how

fa

milia

r wer

e yo

u (a

nd a

ny c

o-si

gner

s) w

ith e

ach

of th

e fo

llow

ing?

| Th

e pr

oces

s of

taki

ng o

ut a

mor

tgag

e

Wav

es 1

– 2

1 1

= Ve

ry

2 =

Som

ewha

t 3

= N

ot A

t All

7 X0

5D

Wav

es 1

5 –

21

Q05

: Whe

n yo

u be

gan

the

proc

ess

of g

ettin

g th

is m

ortg

age,

how

fam

iliar

wer

e yo

u (a

nd a

ny c

o-si

gner

s) w

ith e

ach

of th

e fo

llow

ing?

| Th

e do

wn

paym

ent n

eede

d to

qua

lify

for a

mor

tgag

e W

aves

7 –

14

Q04

: Whe

n yo

u be

gan

the

proc

ess

of g

ettin

g th

is m

ortg

age,

how

fam

iliar

wer

e yo

u (a

nd a

ny c

o-si

gner

s) w

ith e

ach

of th

e fo

llow

ing?

| Th

e do

wn

paym

ent n

eede

d to

qua

lify

for a

mor

tgag

e

(con

tinue

d on

the

next

pag

e)

Wav

es 1

– 2

1 1

= Ve

ry

2 =

Som

ewha

t 3

= N

ot A

t All


4

Col

Va

riabl

e N

ame

(con

ditio

n, if

app

licab

le)

Que

stio

n R

espo

nses

Wav

es 1

– 6

Q

04: W

hen

you

bega

n th

e pr

oces

s of

get

ting

your

mor

tgag

e, h

ow

fam

iliar w

ere

you

(and

any

co-

sign

ers)

with

eac

h of

the

follo

win

g? |

The

dow

n pa

ymen

t nee

ded

to q

ualif

y fo

r a m

ortg

age

8 X0

5E

Wav

es 1

5 –

21

Q05

: Whe

n yo

u be

gan

the

proc

ess

of g

ettin

g th

is m

ortg

age,

how

fam

iliar

wer

e yo

u (a

nd a

ny c

o-si

gner

s) w

ith e

ach

of th

e fo

llow

ing?

| Th

e in

com

e ne

eded

to q

ualif

y fo

r a m

ortg

age

Wav

es 7

– 1

4 Q

04: W

hen

you

bega

n th

e pr

oces

s of

get

ting

this

mor

tgag

e, h

ow fa

milia

r w

ere

you

(and

any

co-

sign

ers)

with

eac

h of

the

follo

win

g? |

The

inco

me

need

ed to

qua

lify

for a

mor

tgag

e W

aves

1 –

6

Q04

: Whe

n yo

u be

gan

the

proc

ess

of g

ettin

g yo

ur m

ortg

age,

how

fa

milia

r wer

e yo

u (a

nd a

ny c

o-si

gner

s) w

ith e

ach

of th

e fo

llow

ing?

| Th

e in

com

e ne

eded

to q

ualif

y fo

r a m

ortg

age

Wav

es 1

– 2

1 1

= Ve

ry

2 =

Som

ewha

t 3

= N

ot A

t All

9 X0

5F

Wav

es 1

5 –

21

Q05

: Whe

n yo

u be

gan

the

proc

ess

of g

ettin

g th

is m

ortg

age,

how

fam

iliar

wer

e yo

u (a

nd a

ny c

o-si

gner

s) w

ith e

ach

of th

e fo

llow

ing?

| Yo

ur

cred

it hi

stor

y or

cre

dit s

core

W

aves

7 –

14

Q04

: Whe

n yo

u be

gan

the

proc

ess

of g

ettin

g th

is m

ortg

age,

how

fam

iliar

wer

e yo

u (a

nd a

ny c

o-si

gner

s) w

ith e

ach

of th

e fo

llow

ing?

| Yo

ur

cred

it hi

stor

y or

cre

dit s

core

W

aves

1 –

6

Q04

: Whe

n yo

u be

gan

the

proc

ess

of g

ettin

g yo

ur m

ortg

age,

how

fa

milia

r wer

e yo

u (a

nd a

ny c

o-si

gner

s) w

ith e

ach

of th

e fo

llow

ing?

| Yo

ur c

redi

t his

tory

or c

redi

t sco

re

Wav

es 1

– 2

1 1

= Ve

ry

2 =

Som

ewha

t 3

= N

ot A

t All

10

X05G

W

aves

15

– 21

Q

05: W

hen

you

bega

n th

e pr

oces

s of

get

ting

this

mor

tgag

e, h

ow fa

milia

r w

ere

you

(and

any

co-

sign

ers)

with

eac

h of

the

follo

win

g? |

The

mon

ey n

eede

d at

clo

sing

W

aves

7 –

14

Q04

: Whe

n yo

u be

gan

the

proc

ess

of g

ettin

g th

is m

ortg

age,

how

fam

iliar

wer

e yo

u (a

nd a

ny c

o-si

gner

s) w

ith e

ach

of th

e fo

llow

ing?

| Th

e m

oney

nee

ded

at c

losi

ng

(c

ontin

ued

on th

e ne

xt p

age)

Wav

es 1

– 2

1 1

= Ve

ry

2 =

Som

ewha

t 3

= N

ot A

t All


5

Col

Va

riabl

e N

ame

(con

ditio

n, if

app

licab

le)

Que

stio

n R

espo

nses

Wav

es 1

– 6

Q

04: W

hen

you

bega

n th

e pr

oces

s of

get

ting

your

mor

tgag

e, h

ow

fam

iliar w

ere

you

(and

any

co-

sign

ers)

with

eac

h of

the

follo

win

g? |

The

mon

ey n

eede

d at

clo

sing

11

X0

6 W

aves

15

– 21

Q

06: W

hen

you

bega

n th

e pr

oces

s of

get

ting

this

mor

tgag

e, h

ow

conc

erne

d w

ere

you

abou

t qua

lifyi

ng fo

r a m

ortg

age?

W

aves

7 –

14

Q05

: Whe

n yo

u be

gan

the

proc

ess

of g

ettin

g th

is m

ortg

age,

how

co

ncer

ned

wer

e yo

u ab

out q

ualif

ying

for a

mor

tgag

e?

Wav

es 1

– 6

Q

05: W

hen

you

bega

n th

e pr

oces

s of

get

ting

your

mor

tgag

e, h

ow

conc

erne

d w

ere

you

abou

t qua

lifyi

ng fo

r a m

ortg

age?

Wav

es 1

– 2

1 1

= Ve

ry

2 =

Som

ewha

t 3

= N

ot a

t all

12

X07

Wav

es 1

5 –

21

Q07

: How

firm

an

idea

did

you

hav

e ab

out t

he m

ortg

age

you

wan

ted?

W

aves

1 –

14

Q06

: How

firm

an

idea

did

you

(and

any

co-

sign

ers)

hav

e ab

out t

he

mor

tgag

e yo

u w

ante

d?

Wav

es 1

– 2

1

1 =

Firm

idea

2

= So

me

idea

3

= Li

ttle

idea

13

X08A

W

aves

19

– 21

Q

08: H

ow m

uch

did

you

use

each

of t

he fo

llow

ing

sour

ces

to g

et

info

rmat

ion

abou

t mor

tgag

es o

r mor

tgag

e le

nder

s? |

Your

mor

tgag

e le

nder

/bro

ker

Wav

es 1

5 –

18

Q08

: How

muc

h di

d yo

u us

e ea

ch o

f the

follo

win

g so

urce

s to

get

in

form

atio

n ab

out m

ortg

ages

or m

ortg

age

lend

ers?

| Yo

ur le

nder

or

mor

tgag

e br

oker

W

aves

11

– 14

Q

07: H

ow m

uch

did

you

use

each

of t

he fo

llow

ing

sour

ces

to g

et

info

rmat

ion

abou

t mor

tgag

es o

r mor

tgag

e le

nder

s? |

Your

lend

er o

r m

ortg

age

brok

er

Wav

es 1

– 1

0 Q

07: H

ow m

uch

did

you

use

each

of t

he fo

llow

ing

sour

ces

to g

et

info

rmat

ion

abou

t mor

tgag

es o

r mor

tgag

e le

nder

s? |

Your

lend

er o

r br

oker

Wav

es 1

– 2

1 1

= A

Lot

2 =

A Li

ttle

3 =

Not

At A

ll


6

Col

Va

riabl

e N

ame

(con

ditio

n, if

app

licab

le)

Que

stio

n R

espo

nses

14

X08B

W

aves

19

– 21

Q

08: H

ow m

uch

did

you

use

each

of t

he fo

llow

ing

sour

ces

to g

et

info

rmat

ion

abou

t mor

tgag

es o

r mor

tgag

e le

nder

s? |

Oth

er

mor

tgag

e le

nder

s/br

oker

s W

aves

15

– 18

Q

08: H

ow m

uch

did

you

use

each

of t

he fo

llow

ing

sour

ces

to g

et

info

rmat

ion

abou

t mor

tgag

es o

r mor

tgag

e le

nder

s? |

Oth

er le

nder

s or

bro

kers

W

aves

1 –

14

Q07

: How

muc

h di

d yo

u us

e ea

ch o

f the

follo

win

g so

urce

s to

get

in

form

atio

n ab

out m

ortg

ages

or m

ortg

age

lend

ers?

| O

ther

lend

ers

or b

roke

rs

Wav

es 1

– 2

1 1

= A

Lot

2 =

A Li

ttle

3 =

Not

At A

ll

15

X08C

W

aves

15

– 21

Q

08: H

ow m

uch

did

you

use

each

of t

he fo

llow

ing

sour

ces

to g

et

info

rmat

ion

abou

t mor

tgag

es o

r mor

tgag

e le

nder

s? |

Rea

l est

ate

agen

ts o

r bui

lder

s W

aves

1 –

14

Q07

: How

muc

h di

d yo

u us

e ea

ch o

f the

follo

win

g so

urce

s to

get

in

form

atio

n ab

out m

ortg

ages

or m

ortg

age

lend

ers?

| R

eal e

stat

e ag

ents

or b

uild

ers

Wav

es 1

– 2

1 1

= A

Lot

2 =

A Li

ttle

3 =

Not

At A

ll

16

X08D

W

aves

15

– 21

Q

08: H

ow m

uch

did

you

use

each

of t

he fo

llow

ing

sour

ces

to g

et

info

rmat

ion

abou

t mor

tgag

es o

r mor

tgag

e le

nder

s? |

Mat

eria

l in

the

mai

l W

aves

1 –

14

Q07

: How

muc

h di

d yo

u us

e ea

ch o

f the

follo

win

g so

urce

s to

get

in

form

atio

n ab

out m

ortg

ages

or m

ortg

age

lend

ers?

| M

ater

ial i

n th

e m

ail

Wav

es 1

– 2

1 1

= A

Lot

2 =

A Li

ttle

3 =

Not

At A

ll

17

X08E

W

aves

15

– 21

Q

08: H

ow m

uch

did

you

use

each

of t

he fo

llow

ing

sour

ces

to g

et

info

rmat

ion

abou

t mor

tgag

es o

r mor

tgag

e le

nder

s? |

Web

site

s th

at

prov

ide

info

rmat

ion

on g

ettin

g a

mor

tgag

e W

aves

1 –

14

Q07

: How

muc

h di

d yo

u us

e ea

ch o

f the

follo

win

g so

urce

s to

get

in

form

atio

n ab

out m

ortg

ages

or m

ortg

age

lend

ers?

| W

ebsi

tes

that

pr

ovid

e in

form

atio

n on

get

ting

a m

ortg

age

Wav

es 1

– 2

1 1

= A

Lot

2 =

A Li

ttle

3 =

Not

At A

ll


7

Col

Va

riabl

e N

ame

(con

ditio

n, if

app

licab

le)

Que

stio

n R

espo

nses

18

X08F

W

aves

15

– 21

Q

08: H

ow m

uch

did

you

use

each

of t

he fo

llow

ing

sour

ces

to g

et

info

rmat

ion

abou

t mor

tgag

es o

r mor

tgag

e le

nder

s? |

New

spap

er/T

V/R

adio

W

aves

4 –

14

Q07

: How

muc

h di

d yo

u us

e ea

ch o

f the

follo

win

g so

urce

s to

get

in

form

atio

n ab

out m

ortg

ages

or m

ortg

age

lend

ers?

| N

ewsp

aper

/TV/

Rad

io

Wav

es 1

– 3

Q

uest

ion

not a

sked

Wav

es 4

– 2

1 1

= A

Lot

2 =

A Li

ttle

3 =

Not

At A

ll W

aves

1 –

3

-3 =

Not

app

licab

le fo

r thi

s w

ave

19

X08G

W

aves

15

– 21

Q

08: H

ow m

uch

did

you

use

each

of t

he fo

llow

ing

sour

ces

to g

et

info

rmat

ion

abou

t mor

tgag

es o

r mor

tgag

e le

nder

s? |

Frie

nds/

rela

tives

/co-

wor

kers

W

aves

1 –

14

Q07

: How

muc

h di

d yo

u us

e ea

ch o

f the

follo

win

g so

urce

s to

get

in

form

atio

n ab

out m

ortg

ages

or m

ortg

age

lend

ers?

| Fr

iend

s/re

lativ

es/c

o-w

orke

rs

Wav

es 1

– 2

1 1

= A

Lot

2 =

A Li

ttle

3 =

Not

At A

ll

20

X08H

W

aves

19

– 21

Q

08: H

ow m

uch

did

you

use

each

of t

he fo

llow

ing

sour

ces

to g

et

info

rmat

ion

abou

t mor

tgag

es o

r mor

tgag

e le

nder

s? |

Bank

ers,

cre

dit

unio

ns o

r fin

anci

al p

lann

ers

Wav

es 1

5 –

18

Q08

: How

muc

h di

d yo

u us

e ea

ch o

f the

follo

win

g so

urce

s to

get

in

form

atio

n ab

out m

ortg

ages

or m

ortg

age

lend

ers?

| Ba

nker

s or

fin

anci

al p

lann

ers

Wav

es 1

– 1

4 Q

07: H

ow m

uch

did

you

use

each

of t

he fo

llow

ing

sour

ces

to g

et

info

rmat

ion

abou

t mor

tgag

es o

r mor

tgag

e le

nder

s? |

Bank

ers

or

finan

cial

pla

nner

s

Wav

es 1

– 2

1 1

= A

Lot

2 =

A Li

ttle

3 =

Not

At A

ll

21

X08I

W

aves

15

– 21

Q

08: H

ow m

uch

did

you

use

each

of t

he fo

llow

ing

sour

ces

to g

et

info

rmat

ion

abou

t mor

tgag

es o

r mor

tgag

e le

nder

s? |

Hou

sing

co

unse

lors

W

aves

1 –

14

Q07

: How

muc

h di

d yo

u us

e ea

ch o

f the

follo

win

g so

urce

s to

get

in

form

atio

n ab

out m

ortg

ages

or m

ortg

age

lend

ers?

| H

ousi

ng

coun

selo

rs

Wav

es 1

– 2

1 1

= A

Lot

2 =

A Li

ttle

3 =

Not

At A

ll


8

Col

Va

riabl

e N

ame

(con

ditio

n, if

app

licab

le)

Que

stio

n R

espo

nses

22

X09

Wav

es 1

5 –

21

Q09

: Whi

ch o

ne o

f the

follo

win

g be

st d

escr

ibes

you

r sho

ppin

g pr

oces

s?

Wav

es 1

– 1

4 Q

08: W

hich

of t

he fo

llow

ing

best

des

crib

es y

our s

hopp

ing

proc

ess?

Wav

es 1

9 –

21

1 =

I pic

ked

the

loan

type

firs

t, an

d th

en I

pick

ed th

e m

ortg

age

lend

er/b

roke

r 2

= I p

icke

d th

e m

ortg

age

lend

er/b

roke

r firs

t, an

d th

en I

pick

ed th

e lo

an ty

pe

Wav

es 1

1 –

18

1 =

I pic

ked

the

loan

type

firs

t, an

d th

en I

pick

ed th

e le

nder

/mor

tgag

e br

oker

2

= I p

icke

d th

e le

nder

/mor

tgag

e br

oker

firs

t, an

d th

en I

pick

ed

the

loan

type

W

aves

1 –

10

1 =

I pic

ked

the

loan

type

firs

t, an

d th

en I

pick

ed th

e le

nder

/bro

ker

2 =

I pic

ked

the

lend

er/b

roke

r firs

t, an

d th

en I

pick

ed th

e lo

an

type

23

X1

0 W

aves

15

– 21

Q

10: W

hich

one

of t

he fo

llow

ing

best

des

crib

es h

ow y

ou a

pplie

d fo

r thi

s m

ortg

age?

(con

tinue

d on

the

next

pag

e)

Wav

es 1

9 –

21

1 =

Dire

ctly

to a

lend

er, s

uch

as a

ba

nk o

r cre

dit u

nion

2

= Th

roug

h a

mor

tgag

e br

oker

w

ho w

orks

with

mul

tiple

le

nder

s to

get

you

a lo

an

3 =

Thro

ugh

a bu

ilder

who

ar

rang

ed fi

nanc

ing

Wav

es 1

5 –

18

1 =

Dire

ctly

to a

lend

er, s

uch

as a

ba

nk o

r cre

dit u

nion

2

= Th

roug

h a

mor

tgag

e br

oker

w

ho w

orks

with

mul

tiple

le

nder

s to

get

you

a lo

an

3 =

Thro

ugh

a bu

ilder

who

ar

rang

ed fi

nanc

ing

(writ

e-in

)


9

Col

Va

riabl

e N

ame

(con

ditio

n, if

app

licab

le)

Que

stio

n R

espo

nses

Wav

es 1

1 –

14

Q09

: How

did

you

app

ly fo

r thi

s m

ortg

age?

Mar

k on

e an

swer

. W

aves

7 –

10

Q09

: How

did

you

app

ly fo

r thi

s m

ortg

age?

Mar

k on

e an

swer

. W

aves

1 –

6

Q09

: How

did

you

app

ly fo

r you

r mor

tgag

e? M

ark

one

answ

er.

Wav

es 1

1 –

14

1 =

Dire

ctly

to a

lend

er, s

uch

as a

ba

nk o

r cre

dit u

nion

2

= Th

roug

h a

mor

tgag

e br

oker

(s

omeo

ne w

ho w

orks

with

m

ultip

le le

nder

s to

get

a lo

an)

3 =

Thro

ugh

a bu

ilder

who

ar

rang

ed fi

nanc

ing

(writ

e-in

) W

aves

1 –

10

1 =

Dire

ctly

to a

lend

er, s

uch

as a

ba

nk o

r cre

dit u

nion

2

= Th

roug

h a

mor

tgag

e br

oker

(s

omeo

ne w

ho w

orks

with

two

or m

ore

lend

ers

to g

et a

loan

) 3

= Th

roug

h a

build

er w

ho

arra

nged

fina

ncin

g (w

rite-

in)

24

X11

Wav

es 1

9 –

21

Q11

: How

man

y di

ffere

nt m

ortg

age

lend

ers/

brok

ers

did

you

serio

usly

co

nsid

er b

efor

e ch

oosi

ng w

here

to a

pply

for t

his

mor

tgag

e?

Wav

es 1

5 –

18

Q11

: How

man

y di

ffere

nt le

nder

s/m

ortg

age

brok

ers

did

you

serio

usly

co

nsid

er b

efor

e ch

oosi

ng w

here

to a

pply

for t

his

mor

tgag

e?

Wav

es 1

1 –

14

Q10

: How

man

y di

ffere

nt le

nder

s/m

ortg

age

brok

ers

did

you

serio

usly

co

nsid

er b

efor

e ch

oosi

ng w

here

to a

pply

for t

his

mor

tgag

e?

Wav

es 7

– 1

0 Q

10: H

ow m

any

diffe

rent

lend

ers/

brok

ers

did

you

serio

usly

con

side

r be

fore

cho

osin

g w

here

to a

pply

for t

his

mor

tgag

e?

Wav

es 1

– 6

Q

10: H

ow m

any

diffe

rent

lend

ers/

brok

ers

did

you

serio

usly

con

side

r be

fore

cho

osin

g w

here

to a

pply

for t

his

mor

tgag

e? M

ark

one

answ

er.

Wav

es 1

– 2

1 1

= O

ne

2 =

Two

3 =

Thre

e 4

= Fo

ur

5 =

Five

or m

ore

25

X12

Wav

es 1

9 –

21

Q12

: How

man

y di

ffere

nt m

ortg

age

lend

ers/

brok

ers

did

you

end

up

appl

ying

to?

(c

ontin

ued

on th

e ne

xt p

age)

Wav

e 1

– 21

1

= O

ne

2 =

Two

3 =

Thre

e 4

= Fo

ur

5 =

Five

or m

ore


10

Col

Va

riabl

e N

ame

(con

ditio

n, if

app

licab

le)

Que

stio

n R

espo

nses

Wav

es 1

5 –

18

Q12

: How

man

y di

ffere

nt le

nder

s/m

ortg

age

brok

ers

did

you

end

up

appl

ying

to?

Wav

es 1

1 –

14

Q11

: How

man

y di

ffere

nt le

nder

s/m

ortg

age

brok

ers

did

you

end

up

appl

ying

to?

Wav

es 7

– 1

0 Q

11: H

ow m

any

diffe

rent

lend

ers/

brok

ers

did

you

end

up a

pply

ing

to?

Wav

es 1

– 6

Q

11: H

ow m

any

diffe

rent

lend

ers/

brok

ers

did

you

end

up a

pply

ing

to?

Mar

k on

e an

swer

. 26

X1

3A

(whe

n X1

2 >

1)

Wav

es 1

9 –

21

Q13

: Did

you

app

ly to

mor

e th

an o

ne m

ortg

age

lend

er/b

roke

r for

any

of

the

follo

win

g re

ason

s? |

Sear

chin

g fo

r bet

ter l

oan

term

s W

aves

15

– 18

Q

13: D

id y

ou a

pply

to m

ore

than

one

lend

er/m

ortg

age

brok

er fo

r any

of

the

follo

win

g re

ason

s? |

Sear

chin

g fo

r bet

ter l

oan

term

s W

aves

11

– 14

Q

12: D

id y

ou a

pply

to m

ore

than

one

lend

er/m

ortg

age

brok

er fo

r any

of

the

follo

win

g re

ason

s? |

Sear

chin

g fo

r bet

ter l

oan

term

s W

aves

1 –

10

Q12

: Did

you

app

ly to

mor

e th

an o

ne le

nder

/bro

ker f

or a

ny o

f the

fo

llow

ing

reas

ons?

| Se

arch

ing

for b

ette

r loa

n te

rms

Wav

e 1

– 21

1

= Ye

s 2

= N

o -2

= N

ot a

pplic

able

(X12

= 1

)

27

X13B

(w

hen

X12

> 1)

W

aves

19

– 21

Q

13: D

id y

ou a

pply

to m

ore

than

one

mor

tgag

e le

nder

/bro

ker f

or a

ny o

f th

e fo

llow

ing

reas

ons?

| C

once

rn o

ver q

ualif

ying

for a

loan

W

aves

15

– 18

Q

13: D

id y

ou a

pply

to m

ore

than

one

lend

er/m

ortg

age

brok

er fo

r any

of

the

follo

win

g re

ason

s? |

Con

cern

ove

r qua

lifyi

ng fo

r a lo

an

Wav

es 1

1 –

14

Q12

: Did

you

app

ly to

mor

e th

an o

ne le

nder

/mor

tgag

e br

oker

for a

ny o

f th

e fo

llow

ing

reas

ons?

| C

once

rn o

ver q

ualif

ying

for a

loan

W

aves

1 –

10

Q12

: Did

you

app

ly to

mor

e th

an o

ne le

nder

/bro

ker f

or a

ny o

f the

fo

llow

ing

reas

ons?

| C

once

rn o

ver q

ualif

ying

for a

loan

Wav

es 1

– 2

1 1

= Ye

s 2

= N

o -2

= N

ot a

pplic

able

(X12

=1)


11

Col

Va

riabl

e N

ame

(con

ditio

n, if

app

licab

le)

Que

stio

n R

espo

nses

28

X13C

(w

hen

X12

> 1)

W

aves

19

– 21

Q

13: D

id y

ou a

pply

to m

ore

than

one

mor

tgag

e le

nder

/bro

ker f

or a

ny o

f th

e fo

llow

ing

reas

ons?

| In

form

atio

n le

arne

d fro

m th

e “L

oan

Estim

ate”

W

aves

15

– 18

Q

13: D

id y

ou a

pply

to m

ore

than

one

lend

er/m

ortg

age

brok

er fo

r any

of

the

follo

win

g re

ason

s? |

Info

rmat

ion

lear

ned

from

the

“Loa

n Es

timat

e”

Wav

es 1

1 –

14

Q12

: Did

you

app

ly to

mor

e th

an o

ne le

nder

/mor

tgag

e br

oker

for a

ny o

f th

e fo

llow

ing

reas

ons?

| In

form

atio

n le

arne

d fro

m th

e “L

oan

Estim

ate”

Wav

es 1

– 1

0 Q

12: D

id y

ou a

pply

to m

ore

than

one

lend

er/b

roke

r for

any

of t

he

follo

win

g re

ason

s? |

Info

rmat

ion

lear

ned

from

the

“Goo

d Fa

ith

Estim

ate”

Wav

es 1

– 2

1 1

= Ye

s 2

= N

o -2

= N

ot a

pplic

able

(X12

=1)

29

X13D

(w

hen

X12

> 1)

W

aves

19

– 21

Q

13: D

id y

ou a

pply

to m

ore

than

one

mor

tgag

e le

nder

/bro

ker f

or a

ny o

f th

e fo

llow

ing

reas

ons?

| Tu

rned

dow

n on

ear

lier a

pplic

atio

n W

aves

15

– 18

Q

13: D

id y

ou a

pply

to m

ore

than

one

lend

er/m

ortg

age

brok

er fo

r any

of

the

follo

win

g re

ason

s? |

Turn

ed d

own

on e

arlie

r app

licat

ion

Wav

es 1

1 –

14

Q12

: Did

you

app

ly to

mor

e th

an o

ne le

nder

/mor

tgag

e br

oker

for a

ny o

f th

e fo

llow

ing

reas

ons?

| Tu

rned

dow

n on

ear

lier a

pplic

atio

n W

aves

1 –

10

Q12

: Did

you

app

ly to

mor

e th

an o

ne le

nder

/bro

ker f

or a

ny o

f the

fo

llow

ing

reas

ons?

| Tu

rned

dow

n on

ear

lier a

pplic

atio

n

Wav

es 1

– 2

1 1

= Ye

s 2

= N

o -2

= N

ot a

pplic

able

(X12

=1)

30

X14A

W

aves

19

– 21

Q

14: H

ow im

porta

nt w

ere

each

of t

he fo

llow

ing

in c

hoos

ing

the

mor

tgag

e le

nder

/bro

ker y

ou u

sed

for t

he m

ortg

age

you

took

out

? | H

avin

g an

es

tabl

ishe

d ba

nkin

g re

latio

nshi

p W

aves

15

– 18

Q

14: H

ow im

porta

nt w

ere

each

of t

he fo

llow

ing

in c

hoos

ing

the

lend

er/m

ortg

age

brok

er y

ou u

sed

for t

he m

ortg

age

you

took

out

? |

Hav

ing

an e

stab

lishe

d ba

nkin

g re

latio

nshi

p

(con

tinue

d on

the

next

pag

e)

Wav

es 7

– 2

1 1

= Im

porta

nt

2 =

Not

impo

rtant

W

aves

1 –

6

-3 =

Not

app

licab

le fo

r thi

s w

ave


12

Col

Va

riabl

e N

ame

(con

ditio

n, if

app

licab

le)

Que

stio

n R

espo

nses

Wav

es 1

1 –

14

Q13

: How

impo

rtant

wer

e ea

ch o

f the

follo

win

g in

cho

osin

g th

e le

nder

/mor

tgag

e br

oker

you

use

d fo

r the

mor

tgag

e yo

u to

ok o

ut?

| H

avin

g an

est

ablis

hed

bank

ing

rela

tions

hip

Wav

es 7

– 1

0 Q

13: H

ow im

porta

nt w

ere

each

of t

he fo

llow

ing

in c

hoos

ing

the

lend

er/b

roke

r you

use

d fo

r the

mor

tgag

e yo

u to

ok o

ut?

| Hav

ing

an

esta

blis

hed

bank

ing

rela

tions

hip

Wav

es 1

– 6

Q

uest

ion

aske

d on

a d

iffer

ent s

cale

(see

X14

A_1)

31

X1

4A_1

W

aves

7 –

21

Que

stio

n as

ked

on a

diff

eren

t sca

le (s

ee X

14A)

W

aves

1 –

6

Q13

: How

impo

rtant

wer

e ea

ch o

f the

follo

win

g in

cho

osin

g th

e le

nder

/bro

ker y

ou u

sed

for t

he m

ortg

age

you

took

out

? | H

avin

g an

es

tabl

ishe

d ba

nkin

g re

latio

nshi

p

Wav

es 7

– 2

1 -3

= N

ot a

pplic

able

for t

his

wav

e W

aves

1 –

6

1 =

Very

2

= So

mew

hat

3 =

Not

At A

ll 32

X1

4B

Wav

es 1

9 –

21

Q14

: How

impo

rtant

wer

e ea

ch o

f the

follo

win

g in

cho

osin

g th

e m

ortg

age

lend

er/b

roke

r you

use

d fo

r the

mor

tgag

e yo

u to

ok o

ut?

| Hav

ing

a lo

cal o

ffice

or b

ranc

h ne

arby

W

aves

15

– 18

Q

14: H

ow im

porta

nt w

ere

each

of t

he fo

llow

ing

in c

hoos

ing

the

lend

er/m

ortg

age

brok

er y

ou u

sed

for t

he m

ortg

age

you

took

out

? |

Hav

ing

a lo

cal o

ffice

or b

ranc

h ne

arby

W

aves

11

– 14

Q

13: H

ow im

porta

nt w

ere

each

of t

he fo

llow

ing

in c

hoos

ing

the

lend

er/m

ortg

age

brok

er y

ou u

sed

for t

he m

ortg

age

you

took

out

? |

Hav

ing

a lo

cal o

ffice

or b

ranc

h ne

arby

W

aves

7 –

10

Q13

: How

impo

rtant

wer

e ea

ch o

f the

follo

win

g in

cho

osin

g th

e le

nder

/bro

ker y

ou u

sed

for t

he m

ortg

age

you

took

out

? | H

avin

g a

loca

l offi

ce o

r bra

nch

near

by

Wav

es 1

– 6

Q

uest

ion

aske

d on

a d

iffer

ent s

cale

(see

X14

B_1)

Wav

es 7

– 2

1 1

= Im

porta

nt

2 =

Not

impo

rtant

W

aves

1 –

6

-3 =

Not

app

licab

le fo

r thi

s w

ave

33

X14B

_1

Wav

es 7

– 2

1 Q

uest

ion

aske

d on

a d

iffer

ent s

cale

(see

X14

B)

(c

ontin

ued

on th

e ne

xt p

age)

Wav

es 7

– 2

1 -3

= N

ot a

pplic

able

for t

his

wav

e


13

Col

Va

riabl

e N

ame

(con

ditio

n, if

app

licab

le)

Que

stio

n R

espo

nses

Wav

es 1

– 6

Q

13: H

ow im

porta

nt w

ere

each

of t

he fo

llow

ing

in c

hoos

ing

the

lend

er/b

roke

r you

use

d fo

r the

mor

tgag

e yo

u to

ok o

ut?

| Hav

ing

a lo

cal o

ffice

or b

ranc

h ne

arby

Wav

es 1

– 6

1

= Ve

ry

2 =

Som

ewha

t 3

= N

ot A

t All

34

X14C

W

aves

19

– 21

Q

14: H

ow im

porta

nt w

ere

each

of t

he fo

llow

ing

in c

hoos

ing

the

mor

tgag

e le

nder

/bro

ker y

ou u

sed

for t

he m

ortg

age

you

took

out

? | U

sed

prev

ious

ly to

get

a m

ortg

age

Wav

es 1

5 –

18

Q14

: How

impo

rtant

wer

e ea

ch o

f the

follo

win

g in

cho

osin

g th

e le

nder

/mor

tgag

e br

oker

you

use

d fo

r the

mor

tgag

e yo

u to

ok o

ut?

| U

sed

prev

ious

ly to

get

a m

ortg

age

Wav

es 1

1 –

14

Q13

: How

impo

rtant

wer

e ea

ch o

f the

follo

win

g in

cho

osin

g th

e le

nder

/mor

tgag

e br

oker

you

use

d fo

r the

mor

tgag

e yo

u to

ok o

ut?

| U

sed

prev

ious

ly to

get

a m

ortg

age

Wav

es 7

– 1

0 Q

13: H

ow im

porta

nt w

ere

each

of t

he fo

llow

ing

in c

hoos

ing

the

lend

er/b

roke

r you

use

d fo

r the

mor

tgag

e yo

u to

ok o

ut?

| Use

d pr

evio

usly

to g

et a

mor

tgag

e W

aves

1 –

6

Que

stio

n as

ked

on a

diff

eren

t sca

le (s

ee X

14C

_1)

Wav

es 7

– 2

1 1

= Im

porta

nt

2 =

Not

impo

rtant

W

aves

1 –

6

-3 =

Not

app

licab

le fo

r thi

s w

ave

35

X14C

_1

Wav

es 7

– 2

1 Q

uest

ion

aske

d on

a d

iffer

ent s

cale

(see

X14

C)

Wav

es 1

– 6

Q

13: H

ow im

porta

nt w

ere

each

of t

he fo

llow

ing

in c

hoos

ing

the

lend

er/b

roke

r you

use

d fo

r the

mor

tgag

e yo

u to

ok o

ut?

| Use

d pr

evio

usly

to g

et a

mor

tgag

e

Wav

es 7

– 2

1 -3

= N

ot a

pplic

able

for t

his

wav

e W

aves

1 –

6

1 =

Very

2

= So

mew

hat

3 =

Not

At A

ll 36

X1

4D

Wav

es 1

9 –

21

Q14

: How

impo

rtant

wer

e ea

ch o

f the

follo

win

g in

cho

osin

g th

e m

ortg

age

lend

er/b

roke

r you

use

d fo

r the

mor

tgag

e yo

u to

ok o

ut?

| Mor

tgag

e le

nder

/bro

ker i

s a

pers

onal

frie

nd o

r rel

ativ

e W

aves

15

– 18

Q

14: H

ow im

porta

nt w

ere

each

of t

he fo

llow

ing

in c

hoos

ing

the

lend

er/m

ortg

age

brok

er y

ou u

sed

for t

he m

ortg

age

you

took

out

? |

Lend

er/m

ortg

age

brok

er is

a p

erso

nal f

riend

or r

elat

ive

(c

ontin

ued

on th

e ne

xt p

age)

Wav

es 7

– 2

1 1

= Im

porta

nt

2 =

Not

impo

rtant


14

Col

Va

riabl

e N

ame

(con

ditio

n, if

app

licab

le)

Que

stio

n R

espo

nses

Wav

es 1

1 –

14

Q13

: How

impo

rtant

wer

e ea

ch o

f the

follo

win

g in

cho

osin

g th

e le

nder

/mor

tgag

e br

oker

you

use

d fo

r the

mor

tgag

e yo

u to

ok o

ut?

| Le

nder

/mor

tgag

e br

oker

is a

per

sona

l frie

nd o

r rel

ativ

e W

aves

7 –

10

Q13

: How

impo

rtant

wer

e ea

ch o

f the

follo

win

g in

cho

osin

g th

e le

nder

/bro

ker y

ou u

sed

for t

he m

ortg

age

you

took

out

? |

Lend

er/b

roke

r is

a pe

rson

al fr

iend

or r

elat

ive

Wav

es 1

– 6

Q

uest

ion

aske

d on

a d

iffer

ent s

cale

(see

X14

D_1

)

Wav

es 1

– 6

-3

= N

ot a

pplic

able

for t

his

wav

e

37

X14D

_1

Wav

es 7

– 2

1 Q

uest

ion

aske

d on

a d

iffer

ent s

cale

(see

X14

D)

Wav

es 1

– 6

Q

13: H

ow im

porta

nt w

ere

each

of t

he fo

llow

ing

in c

hoos

ing

the

lend

er/b

roke

r you

use

d fo

r the

mor

tgag

e yo

u to

ok o

ut?

| Le

nder

/bro

ker i

s a

pers

onal

frie

nd o

r rel

ativ

e

Wav

es 7

– 2

1 -3

= N

ot a

pplic

able

for t

his

wav

e W

aves

1 –

6

1 =

Very

2

= So

mew

hat

3 =

Not

At A

ll 38

X1

4E

Wav

es 1

9 –

21

Q14

: How

impo

rtant

wer

e ea

ch o

f the

follo

win

g in

cho

osin

g th

e m

ortg

age

lend

er/b

roke

r you

use

d fo

r the

mor

tgag

e yo

u to

ok o

ut?

| Pap

erle

ss

onlin

e m

ortg

age

proc

ess

Wav

es 1

– 1

8 Q

uest

ion

not a

sked

Wav

es 1

9 –

21

1 =

Impo

rtant

2

= N

ot im

porta

nt

Wav

es 1

– 1

8

-3 =

Not

app

licab

le fo

r thi

s w

ave

39

X14F

W

aves

19

– 21

Q

14: H

ow im

porta

nt w

ere

each

of t

he fo

llow

ing

in c

hoos

ing

the

mor

tgag

e le

nder

/bro

ker y

ou u

sed

for t

he m

ortg

age

you

took

out

? |

Rec

omm

enda

tion

from

a fr

iend

/rela

tive/

co-w

orke

r W

aves

15

– 18

Q

14: H

ow im

porta

nt w

ere

each

of t

he fo

llow

ing

in c

hoos

ing

the

lend

er/m

ortg

age

brok

er y

ou u

sed

for t

he m

ortg

age

you

took

out

? |

Rec

omm

enda

tion

from

a fr

iend

/rela

tive/

co-w

orke

r W

aves

11

– 14

Q

13: H

ow im

porta

nt w

ere

each

of t

he fo

llow

ing

in c

hoos

ing

the

lend

er/m

ortg

age

brok

er y

ou u

sed

for t

he m

ortg

age

you

took

out

? |

Rec

omm

enda

tion

from

a fr

iend

/rela

tive/

co-w

orke

r

(con

tinue

d on

the

next

pag

e)

Wav

es 7

– 2

1 1

= Im

porta

nt

2 =

Not

impo

rtant


15

Col

Va

riabl

e N

ame

(con

ditio

n, if

app

licab

le)

Que

stio

n R

espo

nses

Wav

es 7

– 1

0 Q

13: H

ow im

porta

nt w

ere

each

of t

he fo

llow

ing

in c

hoos

ing

the

lend

er/b

roke

r you

use

d fo

r the

mor

tgag

e yo

u to

ok o

ut?

| R

ecom

men

datio

n fro

m a

frie

nd/re

lativ

e/co

-wor

ker

Wav

es 1

– 6

Q

uest

ion

aske

d on

a d

iffer

ent s

cale

(see

X14

F_1)

Wav

es 1

– 6

-3

= N

ot a

pplic

able

for t

his

wav

e

40

X14F

_1

Wav

es 7

– 2

1 Q

uest

ion

aske

d on

a d

iffer

ent s

cale

(see

X14

F)

Wav

es 1

– 6

Q

13: H

ow im

porta

nt w

ere

each

of t

he fo

llow

ing

in c

hoos

ing

the

lend

er/b

roke

r you

use

d fo

r the

mor

tgag

e yo

u to

ok o

ut?

| R

ecom

men

datio

n fro

m a

frie

nd/re

lativ

e/co

-wor

ker

Wav

es 7

– 2

1 -3

= N

ot a

pplic

able

for t

his

wav

e W

aves

1 –

6

1 =

Very

2

= So

mew

hat

3 =

Not

At A

ll 41

X1

4G

Wav

es 1

9 –

21

Q14

: How

impo

rtant

wer

e ea

ch o

f the

follo

win

g in

cho

osin

g th

e m

ortg

age

lend

er/b

roke

r you

use

d fo

r the

mor

tgag

e yo

u to

ok o

ut?

| R

ecom

men

datio

n fro

m a

real

est

ate

agen

t/hom

e bu

ilder

W

aves

15

– 18

Q

14: H

ow im

porta

nt w

ere

each

of t

he fo

llow

ing

in c

hoos

ing

the

lend

er/m

ortg

age

brok

er y

ou u

sed

for t

he m

ortg

age

you

took

out

? |

Rec

omm

enda

tion

from

a re

al e

stat

e ag

ent/h

ome

build

er

Wav

es 1

1 –

14

Q13

: How

impo

rtant

wer

e ea

ch o

f the

follo

win

g in

cho

osin

g th

e le

nder

/mor

tgag

e br

oker

you

use

d fo

r the

mor

tgag

e yo

u to

ok o

ut?

| R

ecom

men

datio

n fro

m a

real

est

ate

agen

t/hom

e bu

ilder

W

aves

7 –

10

Q13

: How

impo

rtant

wer

e ea

ch o

f the

follo

win

g in

cho

osin

g th

e le

nder

/bro

ker y

ou u

sed

for t

he m

ortg

age

you

took

out

? |

Rec

omm

enda

tion

from

a re

al e

stat

e ag

ent/h

ome

build

er

Wav

es 1

– 6

Q

uest

ion

aske

d on

a d

iffer

ent s

cale

(see

X14

G_1

)

Wav

es 7

– 2

1 1

= Im

porta

nt

2 =

Not

impo

rtant

W

aves

1 –

6

-3 =

Not

app

licab

le fo

r thi

s w

ave

42

X14G

_1

Wav

es 7

– 2

1 Q

uest

ion

aske

d on

a d

iffer

ent s

cale

(see

X14

G)

Wav

es 1

– 6

Q

13: H

ow im

porta

nt w

ere

each

of t

he fo

llow

ing

in c

hoos

ing

the

lend

er/b

roke

r you

use

d fo

r the

mor

tgag

e yo

u to

ok o

ut?

| R

ecom

men

datio

n fro

m a

real

est

ate

agen

t/hom

e bu

ilder

Wav

es 7

– 2

1 -3

= N

ot a

pplic

able

for t

his

wav

e W

aves

1 –

6

1 =

Very

2

= So

mew

hat

3 =

Not

At A

ll


16

Col

Va

riabl

e N

ame

(con

ditio

n, if

app

licab

le)

Que

stio

n R

espo

nses

43

X14H

W

aves

19

– 21

Q

14: H

ow im

porta

nt w

ere

each

of t

he fo

llow

ing

in c

hoos

ing

the

mor

tgag

e le

nder

/bro

ker y

ou u

sed

for t

he m

ortg

age

you

took

out

? | R

eput

atio

n of

mor

tgag

e le

nder

/bro

ker

Wav

es 1

5 –

18

Q14

: How

impo

rtant

wer

e ea

ch o

f the

follo

win

g in

cho

osin

g th

e le

nder

/mor

tgag

e br

oker

you

use

d fo

r the

mor

tgag

e yo

u to

ok o

ut?

| R

eput

atio

n of

the

lend

er/m

ortg

age

brok

er

Wav

es 1

1 –

14

Q13

: How

impo

rtant

wer

e ea

ch o

f the

follo

win

g in

cho

osin

g th

e le

nder

/mor

tgag

e br

oker

you

use

d fo

r the

mor

tgag

e yo

u to

ok o

ut?

| R

eput

atio

n of

the

lend

er/m

ortg

age

brok

er

Wav

es 7

– 1

0 Q

13: H

ow im

porta

nt w

ere

each

of t

he fo

llow

ing

in c

hoos

ing

the

lend

er/b

roke

r you

use

d fo

r the

mor

tgag

e yo

u to

ok o

ut?

| Rep

utat

ion

of th

e le

nder

/bro

ker

Wav

es 1

– 6

Q

uest

ion

aske

d on

a d

iffer

ent s

cale

(see

X14

H_1

)

Wav

es 7

– 2

1 1

= Im

porta

nt

2 =

Not

impo

rtant

W

aves

1 –

6

-3 =

Not

app

licab

le fo

r thi

s w

ave

44

X14H

_1

Wav

es 7

– 2

1 Q

uest

ion

aske

d on

a d

iffer

ent s

cale

(see

X14

H)

Wav

es 1

– 6

Q

13: H

ow im

porta

nt w

ere

each

of t

he fo

llow

ing

in c

hoos

ing

the

lend

er/b

roke

r you

use

d fo

r the

mor

tgag

e yo

u to

ok o

ut?

| Rep

utat

ion

of th

e le

nder

/bro

ker

Wav

es 7

– 2

1 -3

= N

ot a

pplic

able

for t

his

wav

e W

aves

1 –

6

1 =

Very

2

= So

mew

hat

3 =

Not

At A

ll 45

X1

4I

Wav

es 1

9 –

21

Q14

: How

impo

rtant

wer

e ea

ch o

f the

follo

win

g in

cho

osin

g th

e m

ortg

age

lend

er/b

roke

r you

use

d fo

r the

mor

tgag

e yo

u to

ok o

ut?

| Spo

ke m

y pr

imar

y la

ngua

ge, w

hich

is n

ot E

nglis

h W

aves

15

– 18

Q

14: H

ow im

porta

nt w

ere

each

of t

he fo

llow

ing

in c

hoos

ing

the

lend

er/m

ortg

age

brok

er y

ou u

sed

for t

he m

ortg

age

you

took

out

? |

Spok

e m

y pr

imar

y la

ngua

ge, w

hich

is n

ot E

nglis

h W

aves

11

– 14

Q

13: H

ow im

porta

nt w

ere

each

of t

he fo

llow

ing

in c

hoos

ing

the

lend

er/m

ortg

age

brok

er y

ou u

sed

for t

he m

ortg

age

you

took

out

? |

Spok

e m

y pr

imar

y la

ngua

ge, w

hich

is n

ot E

nglis

h

(con

tinue

d on

the

next

pag

e)

Wav

es 7

– 2

1 1

= Im

porta

nt

2 =

Not

impo

rtant

W

aves

1 –

6

-3 =

Not

app

licab

le fo

r thi

s w

ave


17

Col

Va

riabl

e N

ame

(con

ditio

n, if

app

licab

le)

Que

stio

n R

espo

nses

Wav

es 7

– 1

0 Q

13: H

ow im

porta

nt w

ere

each

of t

he fo

llow

ing

in c

hoos

ing

the

lend

er/b

roke

r you

use

d fo

r the

mor

tgag

e yo

u to

ok o

ut?

| Spo

ke m

y pr

imar

y la

ngua

ge, w

hich

is n

ot E

nglis

h W

aves

1 –

6

Que

stio

n as

ked

on a

diff

eren

t sca

le (s

ee X

14I_

1)

46

X14I

_1

Wav

es 7

– 2

1 Q

uest

ion

aske

d on

a d

iffer

ent s

cale

(see

X14

I) W

aves

1 –

6

Q13

: How

impo

rtant

wer

e ea

ch o

f the

follo

win

g in

cho

osin

g th

e le

nder

/bro

ker y

ou u

sed

for t

he m

ortg

age

you

took

out

? | S

poke

my

prim

ary

lang

uage

, whi

ch is

not

Eng

lish

Wav

es 7

– 2

1 -3

= N

ot a

pplic

able

for t

his

wav

e W

aves

1 –

6

1 =

Very

2

= So

mew

hat

3 =

Not

At A

ll 47

X1

4J

Wav

es 1

9 –

21

Q14

: How

impo

rtant

wer

e ea

ch o

f the

follo

win

g in

cho

osin

g th

e m

ortg

age

lend

er/b

roke

r you

use

d fo

r the

mor

tgag

e yo

u to

ok o

ut?

| Cou

ld

prov

ide

docu

men

ts in

my

prim

ary

lang

uage

, whi

ch is

not

Eng

lish

Wav

es 1

5 –

18

Q14

: How

impo

rtant

wer

e ea

ch o

f the

follo

win

g in

cho

osin

g th

e le

nder

/mor

tgag

e br

oker

you

use

d fo

r the

mor

tgag

e yo

u to

ok o

ut?

| C

ould

pro

vide

doc

umen

ts in

my

prim

ary

lang

uage

, whi

ch is

not

En

glis

h W

aves

13

– 14

Q

13: H

ow im

porta

nt w

ere

each

of t

he fo

llow

ing

in c

hoos

ing

the

lend

er/m

ortg

age

brok

er y

ou u

sed

for t

he m

ortg

age

you

took

out

? |

Cou

ld p

rovi

de d

ocum

ents

in m

y pr

imar

y la

ngua

ge, w

hich

is n

ot

Engl

ish

Wav

es 1

– 1

2 Q

uest

ion

not a

sked

Wav

es 1

3 –

21

1 =

Impo

rtant

2

= N

ot im

porta

nt

Wav

es 1

– 1

2 -3

= N

ot a

pplic

able

for t

his

wav

e

48

X15

Wav

es 1

9 –

21

Q15

: Who

initi

ated

the

first

con

tact

bet

wee

n yo

u an

d th

e m

ortg

age

lend

er/b

roke

r you

use

d fo

r the

mor

tgag

e yo

u to

ok o

ut?

(c

ontin

ued

on th

e ne

xt p

age)

Wav

es 1

9 –

21

1 =

I (or

one

of m

y co

-sig

ners

) did

2

= Th

e m

ortg

age

lend

er/b

roke

r di

d 3

= W

e w

ere

put i

n co

ntac

t by

a th

ird p

arty

(suc

h as

a re

al

esta

te a

gent

or h

ome

build

er)


18

Col

Va

riabl

e N

ame

(con

ditio

n, if

app

licab

le)

Que

stio

n R

espo

nses

Wav

es 1

5 –

18

Q15

: Who

initi

ated

the

first

con

tact

bet

wee

n yo

u an

d th

e le

nder

/mor

tgag

e br

oker

you

use

d fo

r the

mor

tgag

e yo

u to

ok o

ut?

Wav

es 1

1 –

14

Q14

: Who

initi

ated

the

first

con

tact

bet

wee

n yo

u an

d th

e le

nder

/mor

tgag

e br

oker

you

use

d fo

r the

mor

tgag

e yo

u to

ok o

ut?

Wav

es 1

– 1

0 Q

14: W

ho in

itiat

ed th

e fir

st c

onta

ct b

etw

een

you

and

the

lend

er/b

roke

r yo

u us

ed fo

r the

mor

tgag

e yo

u to

ok o

ut?

Wav

es 1

1 –

18

1 =

I (or

one

of m

y co

-sig

ners

) did

2

= Th

e le

nder

/mor

tgag

e br

oker

di

d 3

= W

e w

ere

put i

n co

ntac

t by

a th

ird p

arty

(suc

h as

a re

al

esta

te a

gent

or h

ome

build

er)

Wav

es 1

– 1

0 1

= I (

or o

ne o

f my

co-s

igne

rs) d

id

2 =

The

lend

er/b

roke

r did

3

= W

e w

ere

put i

n co

ntac

t by

a th

ird p

arty

(suc

h as

a re

al

esta

te a

gent

or h

ome

build

er)

49

X16

Wav

es 1

9 –

21

Q16

: How

ope

n w

ere

you

to s

ugge

stio

ns fr

om y

our m

ortg

age

lend

er/b

roke

r abo

ut m

ortg

ages

with

diff

eren

t fea

ture

s or

term

s?

Wav

es 1

5 –

18

Q16

: How

ope

n w

ere

you

to s

ugge

stio

ns fr

om y

our l

ende

r/mor

tgag

e br

oker

abo

ut m

ortg

ages

with

diff

eren

t fea

ture

s or

term

s?

Wav

es 1

1 –

14

Q15

: How

ope

n w

ere

you

to s

ugge

stio

ns fr

om y

our l

ende

r/mor

tgag

e br

oker

abo

ut m

ortg

ages

with

diff

eren

t fea

ture

s or

term

s?

Wav

es 1

– 1

0 Q

15: H

ow o

pen

wer

e yo

u to

sug

gest

ions

from

you

r len

der/b

roke

r abo

ut

mor

tgag

es w

ith d

iffer

ent f

eatu

res

or te

rms?

Wav

es 1

– 2

1 1

= Ve

ry

2 =

Som

ewha

t 3

= N

ot a

t All

50

X17A

W

aves

15

– 21

Q

17: H

ow im

porta

nt w

ere

each

of t

he fo

llow

ing

in d

eter

min

ing

the

mor

tgag

e yo

u to

ok o

ut?

| Low

er in

tere

st ra

te

Wav

es 7

– 1

4 Q

16: H

ow im

porta

nt w

ere

each

of t

he fo

llow

ing

in d

eter

min

ing

the

mor

tgag

e yo

u to

ok o

ut?

| Low

er in

tere

st ra

te

Wav

es 1

– 6

Q

uest

ion

aske

d on

a d

iffer

ent s

cale

(see

X17

A_1)

Wav

es 7

– 2

1 1

= Im

porta

nt

2 =

Not

impo

rtant

W

aves

1 –

6

-3 =

Not

app

licab

le fo

r thi

s w

ave

51

X17A

_1

Wav

es 7

– 2

1 Q

uest

ion

aske

d on

a d

iffer

ent s

cale

(see

X17

A)

(c

ontin

ued

on th

e ne

xt p

age)

Wav

es 7

– 2

1 -3

= N

ot a

pplic

able

for t

his

wav

e


19

Col

Va

riabl

e N

ame

(con

ditio

n, if

app

licab

le)

Que

stio

n R

espo

nses

Wav

es 1

– 6

Q

16: H

ow im

porta

nt w

ere

each

of t

he fo

llow

ing

in d

eter

min

ing

the

mor

tgag

e yo

u to

ok o

ut?

| Low

inte

rest

rate

Wav

es 1

– 6

1

= Ve

ry

2 =

Som

ewha

t 3

= N

ot A

t All

52

X17B

W

aves

15

– 21

Q

17: H

ow im

porta

nt w

ere

each

of t

he fo

llow

ing

in d

eter

min

ing

the

mor

tgag

e yo

u to

ok o

ut?

| Low

er A

PR (A

nnua

l Per

cent

age

Rat

e)

Wav

es 7

– 1

4 Q

16: H

ow im

porta

nt w

ere

each

of t

he fo

llow

ing

in d

eter

min

ing

the

mor

tgag

e yo

u to

ok o

ut?

| Low

er A

PR (A

nnua

l Per

cent

age

Rat

e)

Wav

es 1

– 6

Q

uest

ion

aske

d on

a d

iffer

ent s

cale

(see

X17

B_1)

Wav

es 7

– 2

1 1

= Im

porta

nt

2 =

Not

impo

rtant

W

aves

1 –

6

-3 =

Not

app

licab

le fo

r thi

s w

ave

53

X17B

_1

Wav

es 7

– 2

1 Q

uest

ion

aske

d on

a d

iffer

ent s

cale

(see

X17

B)

Wav

es 1

– 6

Q

16: H

ow im

porta

nt w

ere

each

of t

he fo

llow

ing

in d

eter

min

ing

the

mor

tgag

e yo

u to

ok o

ut?

| Low

APR

(Ann

ual P

erce

ntag

e R

ate)

Wav

es 7

– 2

1 -3

= N

ot a

pplic

able

for t

his

wav

e W

aves

1 –

6

1 =

Very

2

= So

mew

hat

3 =

Not

At A

ll 54

X1

7C

Wav

es 1

5 –

21

Q17

: How

impo

rtant

wer

e ea

ch o

f the

follo

win

g in

det

erm

inin

g th

e m

ortg

age

you

took

out

? | L

ower

clo

sing

fees

W

aves

7 –

14

Q16

: How

impo

rtant

wer

e ea

ch o

f the

follo

win

g in

det

erm

inin

g th

e m

ortg

age

you

took

out

? | L

ower

clo

sing

fees

W

aves

1 –

6

Que

stio

n as

ked

on a

diff

eren

t sca

le (s

ee X

17C

_1)

Wav

es 7

– 2

1 1

= Im

porta

nt

2 =

Not

impo

rtant

W

aves

1 –

6

-3 =

Not

app

licab

le fo

r thi

s w

ave

55

X17C

_1

Wav

es 7

– 2

1 Q

uest

ion

aske

d on

a d

iffer

ent s

cale

(see

X17

C)

Wav

es 1

– 6

Q

16: H

ow im

porta

nt w

ere

each

of t

he fo

llow

ing

in d

eter

min

ing

the

mor

tgag

e yo

u to

ok o

ut?

| Low

clo

sing

fees

Wav

es 7

– 2

1 -3

= N

ot a

pplic

able

for t

his

wav

e W

aves

1 –

6

1 =

Very

2

= So

mew

hat

3 =

Not

At A

ll 56

X1

7D

Wav

es 1

5 –

21

Q17

: How

impo

rtant

wer

e ea

ch o

f the

follo

win

g in

det

erm

inin

g th

e m

ortg

age

you

took

out

? | L

ower

dow

n pa

ymen

t

(con

tinue

d on

the

next

pag

e)

Wav

es 7

– 2

1 1

= Im

porta

nt

2 =

Not

impo

rtant


20

Col

Va

riabl

e N

ame

(con

ditio

n, if

app

licab

le)

Que

stio

n R

espo

nses

Wav

es 7

– 1

4 Q

16: H

ow im

porta

nt w

ere

each

of t

he fo

llow

ing

in d

eter

min

ing

the

mor

tgag

e yo

u to

ok o

ut?

| Low

er d

own

paym

ent

Wav

es 1

– 6

Q

uest

ion

aske

d on

a d

iffer

ent s

cale

(see

X17

D_1

)

Wav

es 1

– 6

-3

= N

ot a

pplic

able

for t

his

wav

e

57

X17D

_1

Wav

es 7

– 2

1 Q

uest

ion

aske

d on

a d

iffer

ent s

cale

(see

X17

D)

Wav

es 1

– 6

Q

16: H

ow im

porta

nt w

ere

each

of t

he fo

llow

ing

in d

eter

min

ing

the

mor

tgag

e yo

u to

ok o

ut?

| Low

dow

n pa

ymen

t

Wav

es 7

– 2

1 -3

= N

ot a

pplic

able

for t

his

wav

e W

aves

1 –

6

1 =

Very

2

= So

mew

hat

3 =

Not

At A

ll 58

X1

7E

Wav

es 1

5 –

21

Q17

: How

impo

rtant

wer

e ea

ch o

f the

follo

win

g in

det

erm

inin

g th

e m

ortg

age

you

took

out

? | L

ower

mon

thly

pay

men

t W

aves

7 –

14

Q16

: How

impo

rtant

wer

e ea

ch o

f the

follo

win

g in

det

erm

inin

g th

e m

ortg

age

you

took

out

? | L

ower

mon

thly

pay

men

t W

aves

1 –

6

Que

stio

n as

ked

on a

diff

eren

t sca

le (s

ee X

17E_

1)

Wav

es 7

– 2

1 1

= Im

porta

nt

2 =

Not

impo

rtant

W

aves

1 –

6

-3 =

Not

app

licab

le fo

r thi

s w

ave

59

X17E

_1

Wav

es 7

– 2

1 Q

uest

ion

aske

d on

a d

iffer

ent s

cale

(see

X17

E)

Wav

es 1

– 6

Q

16: H

ow im

porta

nt w

ere

each

of t

he fo

llow

ing

in d

eter

min

ing

the

mor

tgag

e yo

u to

ok o

ut?

| Low

mon

thly

pay

men

t

Wav

es 7

– 2

1 -3

= N

ot a

pplic

able

for t

his

wav

e W

aves

1 –

6

1 =

Very

2

= So

mew

hat

3 =

Not

At A

ll 60

X1

7F

Wav

es 1

5 –

21

Q17

: How

impo

rtant

wer

e ea

ch o

f the

follo

win

g in

det

erm

inin

g th

e m

ortg

age

you

took

out

? | A

n in

tere

st ra

te fi

xed

for t

he li

fe o

f the

loan

W

aves

7 –

14

Q16

: How

impo

rtant

wer

e ea

ch o

f the

follo

win

g in

det

erm

inin

g th

e m

ortg

age

you

took

out

? | A

n in

tere

st ra

te fi

xed

for t

he li

fe o

f the

loan

W

aves

1 –

6

Que

stio

n as

ked

on a

diff

eren

t sca

le (s

ee X

17F_

1)

Wav

es 7

– 2

1 1

= Im

porta

nt

2 =

Not

impo

rtant

W

aves

1 –

6

-3 =

Not

app

licab

le fo

r thi

s w

ave

61

X17F

_1

Wav

es 7

– 2

1 Q

uest

ion

aske

d on

a d

iffer

ent s

cale

(see

X17

F)

(c

ontin

ued

on th

e ne

xt p

age)

Wav

es 7

– 2

1 -3

= N

ot a

pplic

able

for t

his

wav

e


21

Col

Va

riabl

e N

ame

(con

ditio

n, if

app

licab

le)

Que

stio

n R

espo

nses

Wav

es 1

– 6

Q

16: H

ow im

porta

nt w

ere

each

of t

he fo

llow

ing

in d

eter

min

ing

the

mor

tgag

e yo

u to

ok o

ut?

| An

inte

rest

rate

fixe

d fo

r the

life

of t

he lo

an

Wav

es 1

– 6

1

= Ve

ry

2 =

Som

ewha

t 3

= N

ot A

t All

62

X17G

W

aves

15

– 21

Q

17: H

ow im

porta

nt w

ere

each

of t

he fo

llow

ing

in d

eter

min

ing

the

mor

tgag

e yo

u to

ok o

ut?

| A te

rm o

f 30

year

s W

aves

7 –

14

Q16

: How

impo

rtant

wer

e ea

ch o

f the

follo

win

g in

det

erm

inin

g th

e m

ortg

age

you

took

out

? | A

term

of 3

0 ye

ars

Wav

es 1

– 6

Q

uest

ion

aske

d on

a d

iffer

ent s

cale

(see

X17

G_1

)

Wav

es 7

– 2

1 1

= Im

porta

nt

2 =

Not

impo

rtant

W

aves

1 –

6

-3 =

Not

app

licab

le fo

r thi

s w

ave

63

X17G

_1

Wav

es 7

– 2

1 Q

uest

ion

aske

d on

a d

iffer

ent s

cale

(see

X17

G)

Wav

es 1

– 6

Q

16: H

ow im

porta

nt w

ere

each

of t

he fo

llow

ing

in d

eter

min

ing

the

mor

tgag

e yo

u to

ok o

ut?

| A te

rm o

f les

s th

an 3

0 ye

ars

Wav

es 7

– 2

1 -3

= N

ot a

pplic

able

for t

his

wav

e W

aves

1 –

6

1 =

Very

2

= So

mew

hat

3 =

Not

At A

ll 64

X1

7H

Wav

es 1

5 –

21

Q17

: How

impo

rtant

wer

e ea

ch o

f the

follo

win

g in

det

erm

inin

g th

e m

ortg

age

you

took

out

? | N

o m

ortg

age

insu

ranc

e W

aves

7 –

14

Q16

: How

impo

rtant

wer

e ea

ch o

f the

follo

win

g in

det

erm

inin

g th

e m

ortg

age

you

took

out

? | N

o m

ortg

age

insu

ranc

e W

aves

1 –

6

Que

stio

n as

ked

on a

diff

eren

t sca

le (s

ee X

17H

_1)

Wav

es 7

– 2

1 1

= Im

porta

nt

2 =

Not

impo

rtant

W

aves

1 –

6

-3 =

Not

app

licab

le fo

r thi

s w

ave

65

X17H

_1

Wav

es 7

– 2

1 Q

uest

ion

aske

d on

a d

iffer

ent s

cale

(see

X17

H)

Wav

es 1

– 6

Q

16: H

ow im

porta

nt w

ere

each

of t

he fo

llow

ing

in d

eter

min

ing

the

mor

tgag

e yo

u to

ok o

ut?

| No

mor

tgag

e in

sura

nce

Wav

es 7

– 2

1 -3

= N

ot a

pplic

able

for t

his

wav

e W

aves

1 –

6

1 =

Very

2

= So

mew

hat

3 =

Not

At A

ll 66

X1

8 W

aves

15

– 21

Q

18: Y

our l

ende

r may

hav

e gi

ven

you

a bo

okle

t “Yo

ur h

ome

loan

tool

kit:

A st

ep-b

y-st

ep g

uide

,” do

you

rem

embe

r rec

eivi

ng a

cop

y?

(c

ontin

ued

on th

e ne

xt p

age)

Wav

es 7

– 2

1 1

= Ye

s 2

= N

o -1

= D

on’t

know


22

Col

Va

riabl

e N

ame

(con

ditio

n, if

app

licab

le)

Que

stio

n R

espo

nses

Wav

es 1

1 –

14

Q20

: You

r len

der m

ay h

ave

give

n yo

u a

book

let “

Your

hom

e lo

an to

olki

t: A

step

-by-

step

gui

de,”

do y

ou re

mem

ber r

ecei

ving

a c

opy?

W

aves

7 –

10

Q20

: You

r len

der m

ay h

ave

give

n yo

u a

“Sho

ppin

g fo

r you

r hom

e lo

an:

Settl

emen

t cos

t boo

klet

”, di

d yo

u re

ceiv

e a

copy

? W

aves

1 –

6

Que

stio

n no

t ask

ed

Wav

es 1

– 6

-3

= N

ot a

pplic

able

for t

his

wav

e

67

X19

(whe

n X1

8 =

1)

Wav

es 1

5 –

21

Q19

: Did

the

“You

r hom

e lo

an to

olki

t” bo

okle

t lea

d yo

u to

ask

add

ition

al

ques

tions

abo

ut y

our m

ortg

age

term

s?

Wav

es 1

1 –

14

Q21

: Did

the

“You

r hom

e lo

an to

olki

t” bo

okle

t lea

d yo

u to

ask

add

ition

al

ques

tions

abo

ut y

our m

ortg

age

term

s?

Wav

es 7

– 1

0 Q

21: I

f you

rece

ived

a c

opy

of th

e Se

ttlem

ent c

ost b

ookl

et, d

id th

e bo

okle

t lea

d yo

u to

ask

add

ition

al q

uest

ions

abo

ut y

our m

ortg

age

term

s?

Wav

es 1

– 6

Q

uest

ion

not a

sked

Wav

es 7

– 2

1 1

= Ye

s 2

= N

o -2

= N

ot a

pplic

able

(X18

= 2

or

-1)

Wav

es 1

– 6

-3

= N

ot a

pplic

able

for t

his

wav

e

68

X20A

W

aves

19

– 21

Q

20: I

n th

e pr

oces

s of

get

ting

this

mor

tgag

e fro

m y

our m

ortg

age

lend

er/b

roke

r, di

d yo

u… |

Hav

e to

add

ano

ther

co-

sign

er to

qua

lify

Wav

es 1

5 –

18

Q20

: In

the

proc

ess

of g

ettin

g th

is m

ortg

age

from

you

r len

der/m

ortg

age

brok

er, d

id y

ou…

| H

ave

to a

dd a

noth

er c

o-si

gner

to q

ualif

y W

aves

11

– 14

Q

19: I

n th

e pr

oces

s of

get

ting

this

mor

tgag

e fro

m y

our l

ende

r/mor

tgag

e br

oker

, did

you

… |

Hav

e to

add

ano

ther

co-

sign

er to

qua

lify

Wav

es 7

– 1

0 Q

19: I

n th

e pr

oces

s of

get

ting

this

mor

tgag

e fro

m y

our l

ende

r/bro

ker,

did

you…

| H

ave

to a

dd a

noth

er c

o-si

gner

to q

ualif

y W

aves

1 –

6

Que

stio

n no

t ask

ed

Wav

es 7

– 2

1 1

= Ye

s 2

= N

o W

aves

1 –

6

-3 =

Not

app

licab

le fo

r thi

s w

ave

69

X20B

W

aves

19

– 21

Q

20: I

n th

e pr

oces

s of

get

ting

this

mor

tgag

e fro

m y

our m

ortg

age

lend

er/b

roke

r, di

d yo

u… |

Res

olve

cre

dit r

epor

t erro

rs o

r pro

blem

s (c

ontin

ued

on th

e ne

xt p

age)

Wav

es 1

– 2

1 1

= Ye

s 2

= N

o


23

Col

Va

riabl

e N

ame

(con

ditio

n, if

app

licab

le)

Que

stio

n R

espo

nses

Wav

es 1

5 –

18

Q20

: In

the

proc

ess

of g

ettin

g th

is m

ortg

age

from

you

r len

der/m

ortg

age

brok

er, d

id y

ou…

| R

esol

ve c

redi

t rep

ort e

rrors

or p

robl

ems

Wav

es 1

1 –

14

Q19

: In

the

proc

ess

of g

ettin

g th

is m

ortg

age

from

you

r len

der/m

ortg

age

brok

er, d

id y

ou…

| R

esol

ve c

redi

t rep

ort e

rrors

or p

robl

ems

Wav

es 7

– 1

0 Q

19: I

n th

e pr

oces

s of

get

ting

this

mor

tgag

e fro

m y

our l

ende

r/bro

ker,

did

you…

| R

esol

ve c

redi

t rep

ort e

rrors

or p

robl

ems

Wav

es 1

– 6

Q

19: I

n th

e pr

oces

s of

get

ting

your

mor

tgag

e fro

m y

our l

ende

r/bro

ker,

did

you…

| R

esol

ve c

redi

t rep

ort e

rrors

or p

robl

ems

70

X20C

W

aves

19

– 21

Q

20: I

n th

e pr

oces

s of

get

ting

this

mor

tgag

e fro

m y

our m

ortg

age

lend

er/b

roke

r, di

d yo

u… |

Answ

er fo

llow

-up

requ

ests

for m

ore

info

rmat

ion

abou

t inc

ome

or a

sset

s W

aves

15

– 18

Q

20: I

n th

e pr

oces

s of

get

ting

this

mor

tgag

e fro

m y

our l

ende

r/mor

tgag

e br

oker

, did

you

… |

Answ

er fo

llow

-up

requ

ests

for m

ore

info

rmat

ion

abou

t inc

ome

or a

sset

s W

aves

11

– 14

Q

19: I

n th

e pr

oces

s of

get

ting

this

mor

tgag

e fro

m y

our l

ende

r/mor

tgag

e br

oker

, did

you

… |

Answ

er fo

llow

-up

requ

ests

for m

ore

info

rmat

ion

abou

t inc

ome

or a

sset

s W

aves

7 –

10

Q19

: In

the

proc

ess

of g

ettin

g th

is m

ortg

age

from

you

r len

der/b

roke

r, di

d yo

u… |

Answ

er fo

llow

-up

requ

ests

for m

ore

info

rmat

ion

abou

t in

com

e or

ass

ets

Wav

es 1

– 6

Q

19: I

n th

e pr

oces

s of

get

ting

your

mor

tgag

e fro

m y

our l

ende

r/bro

ker,

did

you…

| Ans

wer

follo

w-u

p re

ques

ts fo

r mor

e in

form

atio

n ab

out

inco

me

or a

sset

s

Wav

es 1

– 2

1 1

= Ye

s 2

= N

o

71

X20D

W

aves

19

– 21

Q

20: I

n th

e pr

oces

s of

get

ting

this

mor

tgag

e fro

m y

our m

ortg

age

lend

er/b

roke

r, di

d yo

u… |

Hav

e m

ore

than

one

app

rais

al

(c

ontin

ued

on th

e ne

xt p

age)

Wav

es 1

– 2

1 1

= Ye

s 2

= N

o


24

Col

Va

riabl

e N

ame

(con

ditio

n, if

app

licab

le)

Que

stio

n R

espo

nses

Wav

es 1

5 –

18

Q20

: In

the

proc

ess

of g

ettin

g th

is m

ortg

age

from

you

r len

der/m

ortg

age

brok

er, d

id y

ou…

| H

ave

mor

e th

an o

ne a

ppra

isal

W

aves

11

– 14

Q

19: I

n th

e pr

oces

s of

get

ting

this

mor

tgag

e fro

m y

our l

ende

r/mor

tgag

e br

oker

, did

you

… |

Hav

e m

ore

than

one

app

rais

al

Wav

es 7

– 1

0 Q

19: I

n th

e pr

oces

s of

get

ting

this

mor

tgag

e fro

m y

our l

ende

r/bro

ker,

did

you…

| H

ave

mor

e th

an o

ne a

ppra

isal

W

aves

1 –

6

Q19

: In

the

proc

ess

of g

ettin

g yo

ur m

ortg

age

from

you

r len

der/b

roke

r, di

d yo

u… |

Hav

e m

ultip

le a

ppra

isal

s 72

X2

0E

Wav

es 1

9 –

21

Q20

: In

the

proc

ess

of g

ettin

g th

is m

ortg

age

from

you

r mor

tgag

e le

nder

/bro

ker,

did

you…

| R

edo/

refil

e pa

perw

ork

due

to p

roce

ssin

g de

lays

W

aves

15

– 18

Q

20: I

n th

e pr

oces

s of

get

ting

this

mor

tgag

e fro

m y

our l

ende

r/mor

tgag

e br

oker

, did

you

… |

Red

o/re

file

pape

rwor

k du

e to

pro

cess

ing

dela

ys

Wav

es 1

1 –

14

Q19

: In

the

proc

ess

of g

ettin

g th

is m

ortg

age

from

you

r len

der/m

ortg

age

brok

er, d

id y

ou…

| R

edo/

refil

e pa

perw

ork

due

to p

roce

ssin

g de

lays

W

aves

7 –

10

Q19

: In

the

proc

ess

of g

ettin

g th

is m

ortg

age

from

you

r len

der/b

roke

r, di

d yo

u… |

Red

o/re

file

pape

rwor

k du

e to

pro

cess

ing

dela

ys

Wav

es 1

– 6

Q

19: I

n th

e pr

oces

s of

get

ting

your

mor

tgag

e fro

m y

our l

ende

r/bro

ker,

did

you…

| R

edo/

refil

e pa

perw

ork

due

to p

roce

ssin

g de

lays

Wav

es 1

– 2

1 1

= Ye

s 2

= N

o

73

X20F

W

aves

19

– 21

Q

20: I

n th

e pr

oces

s of

get

ting

this

mor

tgag

e fro

m y

our m

ortg

age

lend

er/b

roke

r, di

d yo

u… |

Del

ay o

r pos

tpon

e cl

osin

g da

te

Wav

es 1

5 –

18

Q20

: In

the

proc

ess

of g

ettin

g th

is m

ortg

age

from

you

r len

der/m

ortg

age

brok

er, d

id y

ou…

| D

elay

or p

ostp

one

clos

ing

date

W

aves

11

– 14

Q

19: I

n th

e pr

oces

s of

get

ting

this

mor

tgag

e fro

m y

our l

ende

r/mor

tgag

e br

oker

, did

you

… |

Del

ay o

r pos

tpon

e cl

osin

g da

te

(con

tinue

d on

the

next

pag

e)

Wav

es 1

– 2

1 1

= Ye

s 2

= N

o


25

Col

Va

riabl

e N

ame

(con

ditio

n, if

app

licab

le)

Que

stio

n R

espo

nses

Wav

es 7

– 1

0 Q

19: I

n th

e pr

oces

s of

get

ting

this

mor

tgag

e fro

m y

our l

ende

r/bro

ker,

did

you…

| D

elay

or p

ostp

one

clos

ing

date

W

aves

1 –

6

Q19

: In

the

proc

ess

of g

ettin

g yo

ur m

ortg

age

from

you

r len

der/b

roke

r, di

d yo

u… |

Del

ay o

r pos

tpon

e cl

osin

g da

te

74

X20G

W

aves

19

– 21

Q

20: I

n th

e pr

oces

s of

get

ting

this

mor

tgag

e fro

m y

our m

ortg

age

lend

er/b

roke

r, di

d yo

u… |

Hav

e yo

ur “L

oan

Estim

ate”

revi

sed

to

refle

ct c

hang

es in

you

r loa

n te

rms

Wav

es 1

5 –

18

Q20

: In

the

proc

ess

of g

ettin

g th

is m

ortg

age

from

you

r len

der/m

ortg

age

brok

er, d

id y

ou…

| H

ave

your

“Loa

n Es

timat

e” re

vise

d to

refle

ct

chan

ges

in y

our l

oan

term

s W

aves

11

– 14

Q

19: I

n th

e pr

oces

s of

get

ting

this

mor

tgag

e fro

m y

our l

ende

r/mor

tgag

e br

oker

, did

you

… |

Hav

e yo

ur “L

oan

Estim

ate”

revi

sed

to re

flect

ch

ange

s in

you

r loa

n te

rms

Wav

es 7

– 1

0 Q

19: I

n th

e pr

oces

s of

get

ting

this

mor

tgag

e fro

m y

our l

ende

r/bro

ker,

did

you…

| H

ave

your

“Goo

d Fa

ith E

stim

ate”

revi

sed

to re

flect

cha

nges

in

you

r loa

n te

rms

Wav

es 5

– 6

Q

19: I

n th

e pr

oces

s of

get

ting

your

mor

tgag

e fro

m y

our l

ende

r/bro

ker,

did

you…

| H

ave

your

“Goo

d Fa

ith E

stim

ate”

revi

sed

to re

flect

ch

ange

s in

you

r loa

n te

rms

Wav

es 1

– 4

Q

uest

ion

not a

sked

Wav

es 5

– 2

1 1

= Ye

s 2

= N

o W

aves

1 –

4

-3 =

Not

app

licab

le fo

r thi

s w

ave

75

X20H

W

aves

19

– 21

Q

20: I

n th

e pr

oces

s of

get

ting

this

mor

tgag

e fro

m y

our m

ortg

age

lend

er/b

roke

r, di

d yo

u… |

Che

ck o

ther

sou

rces

to c

onfir

m th

at th

e te

rms

of th

is m

ortg

age

wer

e re

ason

able

W

aves

15

– 18

Q

20: I

n th

e pr

oces

s of

get

ting

this

mor

tgag

e fro

m y

our l

ende

r/mor

tgag

e br

oker

, did

you

… |

Che

ck o

ther

sou

rces

to c

onfir

m th

at th

e te

rms

of

this

mor

tgag

e w

ere

reas

onab

le

(c

ontin

ued

on th

e ne

xt p

age)

Wav

es 7

– 2

1 1

= Ye

s 2

= N

o


26

Col

Va

riabl

e N

ame

(con

ditio

n, if

app

licab

le)

Que

stio

n R

espo

nses

Wav

es 1

1 –

14

Q19

: In

the

proc

ess

of g

ettin

g th

is m

ortg

age

from

you

r len

der/m

ortg

age

brok

er, d

id y

ou…

| C

heck

oth

er s

ourc

es to

con

firm

that

the

term

s of

th

is m

ortg

age

wer

e re

ason

able

W

aves

7 –

10

Q19

: In

the

proc

ess

of g

ettin

g th

is m

ortg

age

from

you

r len

der/b

roke

r, di

d yo

u… |

Che

ck o

ther

sou

rces

to c

onfir

m th

at th

e te

rms

of th

is

mor

tgag

e w

ere

reas

onab

le

Wav

es 1

– 6

Q

uest

ion

not a

sked

Wav

es 1

– 6

-3

= N

ot a

pplic

able

for t

his

wav

e

76

X20I

W

aves

19

– 21

Q

20: I

n th

e pr

oces

s of

get

ting

this

mor

tgag

e fro

m y

our m

ortg

age

lend

er/b

roke

r, di

d yo

u… |

Get

doc

umen

ts in

you

r prim

ary

lang

uage

, w

hich

is n

ot E

nglis

h W

aves

15

– 18

Q

20: I

n th

e pr

oces

s of

get

ting

this

mor

tgag

e fro

m y

our l

ende

r/mor

tgag

e br

oker

, did

you

… |

Get

doc

umen

ts in

you

r prim

ary

lang

uage

, whi

ch

is n

ot E

nglis

h W

aves

13

– 14

Q

19: I

n th

e pr

oces

s of

get

ting

this

mor

tgag

e fro

m y

our l

ende

r/mor

tgag

e br

oker

, did

you

… |

Get

doc

umen

ts in

you

r prim

ary

lang

uage

, whi

ch

is n

ot E

nglis

h W

aves

1 –

12

Que

stio

n no

t ask

ed

Wav

es 1

3 –

21

1 =

Yes

2 =

No

Wav

es 1

– 1

2 -3

= N

ot a

pplic

able

for t

his

wav

e

77

X20J

W

aves

19

– 21

Q

20: I

n th

e pr

oces

s of

get

ting

this

mor

tgag

e fro

m y

our m

ortg

age

lend

er/b

roke

r, di

d yo

u… |

Hav

e th

e le

nder

/bro

ker t

rans

late

in y

our

prim

ary

lang

uage

, whi

ch is

not

Eng

lish

Wav

es 1

5 –

18

Q20

: In

the

proc

ess

of g

ettin

g th

is m

ortg

age

from

you

r len

der/m

ortg

age

brok

er, d

id y

ou…

| H

ave

the

lend

er/b

roke

r tra

nsla

te in

you

r prim

ary

lang

uage

, whi

ch is

not

Eng

lish

Wav

es 1

3 –

14

Q19

: In

the

proc

ess

of g

ettin

g th

is m

ortg

age

from

you

r len

der/m

ortg

age

brok

er, d

id y

ou…

| H

ave

the

lend

er/b

roke

r tra

nsla

te in

you

r prim

ary

lang

uage

, whi

ch is

not

Eng

lish

Wav

es 1

– 1

2 Q

uest

ion

not a

sked

Wav

es 1

3 –

21

1 =

Yes

2 =

No

Wav

es 1

– 1

2 -3

= N

ot a

pplic

able

for t

his

wav

e


27

Col

Va

riabl

e N

ame

(con

ditio

n, if

app

licab

le)

Que

stio

n R

espo

nses

78

X21A

W

aves

19

– 21

Q

21: W

as th

e “L

oan

Estim

ate”

you

rece

ived

from

you

r mor

tgag

e le

nder

/bro

ker…

| Ea

sy to

und

erst

and

Wav

es 1

5 –

18

Q21

: Was

the

“Loa

n Es

timat

e” y

ou re

ceiv

ed fr

om y

our l

ende

r/mor

tgag

e br

oker

… |

Easy

to u

nder

stan

d W

aves

11

– 14

Q

17: W

as th

e “L

oan

Estim

ate”

you

rece

ived

from

you

r len

der/m

ortg

age

brok

er…

| Ea

sy to

und

erst

and

Wav

es 1

– 1

0 Q

17: W

as th

e “G

ood

Faith

Est

imat

e” y

ou re

ceiv

ed fr

om y

our

lend

er/b

roke

r… |

Easy

to u

nder

stan

d

Wav

es 1

– 2

1 1

= Ye

s 2

= N

o

79

X21B

W

aves

19

– 21

Q

21: W

as th

e “L

oan

Estim

ate”

you

rece

ived

from

you

r mor

tgag

e le

nder

/bro

ker…

| Va

luab

le in

form

atio

n W

aves

15

– 18

Q

21: W

as th

e “L

oan

Estim

ate”

you

rece

ived

from

you

r len

der/m

ortg

age

brok

er…

| Va

luab

le in

form

atio

n W

aves

11

– 14

Q

17: W

as th

e “L

oan

Estim

ate”

you

rece

ived

from

you

r len

der/m

ortg

age

brok

er…

| Va

luab

le in

form

atio

n W

aves

1 –

10

Q17

: Was

the

“Goo

d Fa

ith E

stim

ate”

you

rece

ived

from

you

r le

nder

/bro

ker…

| Va

luab

le in

form

atio

n

Wav

es 1

– 2

1 1

= Ye

s 2

= N

o

80

X22A

W

aves

19

– 21

Q

22: D

id th

e “L

oan

Estim

ate”

lead

you

to…

| As

k qu

estio

ns o

f you

r m

ortg

age

lend

er/b

roke

r W

aves

15

– 18

Q

22: D

id th

e “L

oan

Estim

ate”

lead

you

to…

| As

k qu

estio

ns o

f you

r le

nder

/mor

tgag

e br

oker

W

aves

11

– 14

Q

18: D

id th

e “L

oan

Estim

ate”

lead

you

to…

| As

k qu

estio

ns o

f you

r le

nder

/mor

tgag

e br

oker

W

aves

1 –

10

Q18

: Did

the

“Goo

d Fa

ith E

stim

ate”

lead

you

to…

| As

k qu

estio

ns o

f you

r le

nder

/bro

ker

Wav

es 1

– 2

1 1

= Ye

s 2

= N

o


28

Col

Va

riabl

e N

ame

(con

ditio

n, if

app

licab

le)

Que

stio

n R

espo

nses

81

X22B

W

aves

15

– 21

Q

22: D

id th

e “L

oan

Estim

ate”

lead

you

to…

| Se

ek a

cha

nge

in y

our l

oan

or c

losi

ng

Wav

es 1

1 –

14

Q18

: Did

the

“Loa

n Es

timat

e” le

ad y

ou to

… |

Seek

a c

hang

e in

you

r loa

n or

clo

sing

W

aves

1 –

10

Q18

: Did

the

“Goo

d Fa

ith E

stim

ate”

lead

you

to…

| Se

ek a

cha

nge

in

your

loan

or c

losi

ng

Wav

es 1

– 2

1 1

= Ye

s 2

= N

o

82

X22C

W

aves

19

– 21

Q

22: D

id th

e “L

oan

Estim

ate”

lead

you

to…

| Ap

ply

to a

diff

eren

t m

ortg

age

lend

er/b

roke

r W

aves

15

– 18

Q

22: D

id th

e “L

oan

Estim

ate”

lead

you

to…

| Ap

ply

to a

diff

eren

t le

nder

/mor

tgag

e br

oker

W

aves

11

– 14

Q

18: D

id th

e “L

oan

Estim

ate”

lead

you

to…

| Ap

ply

to a

diff

eren

t le

nder

/mor

tgag

e br

oker

W

aves

1 –

10

Que

stio

n no

t ask

ed

Wav

es 1

1 –

21

1 =

Yes

2 =

No

Wav

es 1

– 1

0 -3

= N

ot a

pplic

able

for t

his

wav

e

83

X23A

W

aves

15

– 21

Q

23: D

urin

g th

e ap

plic

atio

n pr

oces

s w

ere

you

told

abo

ut m

ortg

ages

with

an

y of

the

follo

win

g? |

An in

tere

st ra

te th

at is

fixe

d fo

r the

life

of t

he

loan

W

aves

7 –

14

Q22

: Dur

ing

the

appl

icat

ion

proc

ess

wer

e yo

u to

ld a

bout

mor

tgag

es w

ith

any

of th

e fo

llow

ing?

| An

inte

rest

rate

that

is fi

xed

for t

he li

fe o

f the

lo

an

Wav

es 1

– 6

Q

20: D

urin

g th

e ap

plic

atio

n pr

oces

s w

ere

you

told

abo

ut m

ortg

ages

with

an

y of

the

follo

win

g? |

An in

tere

st ra

te th

at is

fixe

d fo

r the

life

of t

he

loan

Wav

es 1

– 2

1 1

= Ye

s 2

= N

o

84

X23B

W

aves

15

– 21

Q

23: D

urin

g th

e ap

plic

atio

n pr

oces

s w

ere

you

told

abo

ut m

ortg

ages

with

an

y of

the

follo

win

g? |

An in

tere

st ra

te th

at c

ould

cha

nge

over

the

life

of th

e lo

an

(c

ontin

ued

on th

e ne

xt p

age)

Wav

es 1

– 2

1 1

= Ye

s 2

= N

o


29

Col

Va

riabl

e N

ame

(con

ditio

n, if

app

licab

le)

Que

stio

n R

espo

nses

Wav

es 7

– 1

4 Q

22: D

urin

g th

e ap

plic

atio

n pr

oces

s w

ere

you

told

abo

ut m

ortg

ages

with

an

y of

the

follo

win

g? |

An in

tere

st ra

te th

at c

ould

cha

nge

over

the

life

of th

e lo

an

Wav

es 1

– 6

Q

20: D

urin

g th

e ap

plic

atio

n pr

oces

s w

ere

you

told

abo

ut m

ortg

ages

with

an

y of

the

follo

win

g? |

An in

tere

st ra

te th

at c

ould

cha

nge

over

the

life

of th

e lo

an

85

X23C

W

aves

15

– 21

Q

23: D

urin

g th

e ap

plic

atio

n pr

oces

s w

ere

you

told

abo

ut m

ortg

ages

with

an

y of

the

follo

win

g? |

A te

rm o

f les

s th

an 3

0 ye

ars

Wav

es 7

– 1

4 Q

22: D

urin

g th

e ap

plic

atio

n pr

oces

s w

ere

you

told

abo

ut m

ortg

ages

with

an

y of

the

follo

win

g? |

A te

rm o

f les

s th

an 3

0 ye

ars

Wav

es 1

– 6

Q

20: D

urin

g th

e ap

plic

atio

n pr

oces

s w

ere

you

told

abo

ut m

ortg

ages

with

an

y of

the

follo

win

g? |

A te

rm o

f les

s th

an 3

0 ye

ars

Wav

es 1

– 2

1 1

= Ye

s 2

= N

o

86

X23D

W

aves

15

– 21

Q

23: D

urin

g th

e ap

plic

atio

n pr

oces

s w

ere

you

told

abo

ut m

ortg

ages

with

an

y of

the

follo

win

g? |

A hi

gher

inte

rest

rate

in re

turn

for l

ower

cl

osin

g co

sts

Wav

es 7

– 1

4 Q

22: D

urin

g th

e ap

plic

atio

n pr

oces

s w

ere

you

told

abo

ut m

ortg

ages

with

an

y of

the

follo

win

g? |

A hi

gher

inte

rest

rate

in re

turn

for l

ower

cl

osin

g co

sts

Wav

es 1

– 6

Q

20: D

urin

g th

e ap

plic

atio

n pr

oces

s w

ere

you

told

abo

ut m

ortg

ages

with

an

y of

the

follo

win

g? |

A hi

gher

inte

rest

rate

in re

turn

for l

ower

cl

osin

g co

sts

Wav

es 1

– 2

1 1

= Ye

s 2

= N

o

87

X23E

W

aves

15

– 21

Q

23: D

urin

g th

e ap

plic

atio

n pr

oces

s w

ere

you

told

abo

ut m

ortg

ages

with

an

y of

the

follo

win

g? |

A lo

wer

inte

rest

rate

in re

turn

for p

ayin

g hi

gher

clo

sing

cos

ts (d

isco

unt p

oint

s)

Wav

es 7

– 1

4 Q

22: D

urin

g th

e ap

plic

atio

n pr

oces

s w

ere

you

told

abo

ut m

ortg

ages

with

an

y of

the

follo

win

g? |

A lo

wer

inte

rest

rate

in re

turn

for p

ayin

g hi

gher

clo

sing

cos

ts (d

isco

unt p

oint

s)

(con

tinue

d on

the

next

pag

e)

Wav

es 1

– 2

1 1

= Ye

s 2

= N

o


30

Col

Va

riabl

e N

ame

(con

ditio

n, if

app

licab

le)

Que

stio

n R

espo

nses

Wav

es 1

– 6

Q

20: D

urin

g th

e ap

plic

atio

n pr

oces

s w

ere

you

told

abo

ut m

ortg

ages

with

an

y of

the

follo

win

g? |

A lo

wer

inte

rest

rate

in re

turn

for p

ayin

g hi

gher

clo

sing

cos

ts (d

isco

unt p

oint

s)

88

X23F

W

aves

15

– 21

Q

23: D

urin

g th

e ap

plic

atio

n pr

oces

s w

ere

you

told

abo

ut m

ortg

ages

with

an

y of

the

follo

win

g? |

Inte

rest

-onl

y m

onth

ly p

aym

ents

W

aves

7 –

14

Q22

: Dur

ing

the

appl

icat

ion

proc

ess

wer

e yo

u to

ld a

bout

mor

tgag

es w

ith

any

of th

e fo

llow

ing?

| In

tere

st-o

nly

mon

thly

pay

men

ts

Wav

es 1

– 6

Q

20: D

urin

g th

e ap

plic

atio

n pr

oces

s w

ere

you

told

abo

ut m

ortg

ages

with

an

y of

the

follo

win

g? |

Inte

rest

-onl

y m

onth

ly p

aym

ents

Wav

es 1

– 2

1 1

= Ye

s 2

= N

o

89

X23G

W

aves

15

– 21

Q

23: D

urin

g th

e ap

plic

atio

n pr

oces

s w

ere

you

told

abo

ut m

ortg

ages

with

an

y of

the

follo

win

g? |

An e

scro

w a

ccou

nt fo

r tax

es a

nd/o

r ho

meo

wne

r ins

uran

ce

Wav

es 7

– 1

4 Q

22: D

urin

g th

e ap

plic

atio

n pr

oces

s w

ere

you

told

abo

ut m

ortg

ages

with

an

y of

the

follo

win

g? |

An e

scro

w a

ccou

nt fo

r tax

es a

nd/o

r ho

meo

wne

r ins

uran

ce

Wav

es 1

– 6

Q

20: D

urin

g th

e ap

plic

atio

n pr

oces

s w

ere

you

told

abo

ut m

ortg

ages

with

an

y of

the

follo

win

g? |

An e

scro

w a

ccou

nt fo

r tax

es a

nd/o

r ho

meo

wne

r ins

uran

ce

Wav

es 1

– 2

1 1

= Ye

s 2

= N

o

90

X23H

W

aves

15

– 21

Q

23: D

urin

g th

e ap

plic

atio

n pr

oces

s w

ere

you

told

abo

ut m

ortg

ages

with

an

y of

the

follo

win

g? |

A pr

epay

men

t pen

alty

(fee

if th

e m

ortg

age

is

paid

off

early

) W

aves

7 –

14

Q22

: Dur

ing

the

appl

icat

ion

proc

ess

wer

e yo

u to

ld a

bout

mor

tgag

es w

ith

any

of th

e fo

llow

ing?

| A

prep

aym

ent p

enal

ty (f

ee if

the

mor

tgag

e is

pa

id o

ff ea

rly)

Wav

es 1

– 6

Q

20: D

urin

g th

e ap

plic

atio

n pr

oces

s w

ere

you

told

abo

ut m

ortg

ages

with

an

y of

the

follo

win

g? |

A pr

epay

men

t pen

alty

(fee

if th

e m

ortg

age

is

paid

off

early

)

Wav

es 1

– 2

1 1

= Ye

s 2

= N

o


31

Col

Va

riabl

e N

ame

(con

ditio

n, if

app

licab

le)

Que

stio

n R

espo

nses

91

X23I

W

aves

15

– 21

Q

23: D

urin

g th

e ap

plic

atio

n pr

oces

s w

ere

you

told

abo

ut m

ortg

ages

with

an

y of

the

follo

win

g? |

Red

uced

doc

umen

tatio

n or

“eas

y” a

ppro

val

Wav

es 7

– 1

4 Q

22: D

urin

g th

e ap

plic

atio

n pr

oces

s w

ere

you

told

abo

ut m

ortg

ages

with

an

y of

the

follo

win

g? |

Red

uced

doc

umen

tatio

n or

“eas

y” a

ppro

val

Wav

es 1

– 6

Q

20: D

urin

g th

e ap

plic

atio

n pr

oces

s w

ere

you

told

abo

ut m

ortg

ages

with

an

y of

the

follo

win

g? |

Red

uced

doc

umen

tatio

n or

“eas

y” a

ppro

val

Wav

es 1

– 2

1 1

= Ye

s 2

= N

o

92

X23J

W

aves

15

– 21

Q

23: D

urin

g th

e ap

plic

atio

n pr

oces

s w

ere

you

told

abo

ut m

ortg

ages

with

an

y of

the

follo

win

g? |

An F

HA,

VA,

USD

A or

Rur

al H

ousi

ng lo

an

Wav

es 7

– 1

4 Q

22: D

urin

g th

e ap

plic

atio

n pr

oces

s w

ere

you

told

abo

ut m

ortg

ages

with

an

y of

the

follo

win

g? |

An F

HA,

VA,

USD

A or

Rur

al H

ousi

ng lo

an

Wav

es 4

– 6

Q

20: D

urin

g th

e ap

plic

atio

n pr

oces

s w

ere

you

told

abo

ut m

ortg

ages

with

an

y of

the

follo

win

g? |

An F

HA,

VA,

USD

A or

Rur

al H

ousi

ng lo

an

Wav

es 1

– 3

Q

20: D

urin

g th

e ap

plic

atio

n pr

oces

s w

ere

you

told

abo

ut m

ortg

ages

with

an

y of

the

follo

win

g? |

An F

HA,

VA,

USD

A or

Rur

al h

ousi

ng lo

an

Wav

es 1

– 2

1 1

= Ye

s 2

= N

o

93

X24A

W

aves

19

– 21

Q

24: I

n se

lect

ing

your

set

tlem

ent/c

losi

ng a

gent

did

you

use

som

eone

… |

Sele

cted

/reco

mm

ende

d by

the

mor

tgag

e le

nder

/bro

ker,

or re

al

esta

te a

gent

W

aves

15

– 18

Q

24: I

n se

lect

ing

your

set

tlem

ent/c

losi

ng a

gent

did

you

use

som

eone

… |

Sele

cted

/reco

mm

ende

d by

the

lend

er, m

ortg

age

brok

er, o

r rea

l es

tate

age

nt

Wav

es 1

1 –

14

Q23

: In

sele

ctin

g yo

ur s

ettle

men

t/clo

sing

age

nt d

id y

ou…

| U

se a

n ag

ent

sele

cted

/reco

mm

ende

d by

the

lend

er/m

ortg

age

brok

er

Wav

es 7

– 1

0 Q

23: I

n se

lect

ing

your

set

tlem

ent a

gent

did

you

… |

Use

an

agen

t re

com

men

ded

by th

e le

nder

/bro

ker

Wav

es 1

– 6

Q

21: I

n se

lect

ing

your

set

tlem

ent a

gent

did

you

… |

Use

an

agen

t re

com

men

ded

by th

e le

nder

/bro

ker

Wav

es 1

– 2

1 1

= Ye

s 2

= N

o


32

Col

Va

riabl

e N

ame

(con

ditio

n, if

app

licab

le)

Que

stio

n R

espo

nses

94

X24B

W

aves

15

– 21

Q

24: I

n se

lect

ing

your

set

tlem

ent/c

losi

ng a

gent

did

you

use

som

eone

… |

You

used

pre

viou

sly

Wav

es 1

1 –

14

Q23

: In

sele

ctin

g yo

ur s

ettle

men

t/clo

sing

age

nt d

id y

ou…

| U

se a

n ag

ent

you

had

used

pre

viou

sly

Wav

es 7

– 1

0 Q

23: I

n se

lect

ing

your

set

tlem

ent a

gent

did

you

… |

Use

an

agen

t you

ha

d us

ed p

revi

ousl

y W

aves

1 –

6

Q21

: In

sele

ctin

g yo

ur s

ettle

men

t age

nt d

id y

ou…

| U

se a

n ag

ent y

ou

had

used

pre

viou

sly

Wav

es 1

– 2

1 1

= Ye

s 2

= N

o

95

X24C

W

aves

15

– 21

Q

24: I

n se

lect

ing

your

set

tlem

ent/c

losi

ng a

gent

did

you

use

som

eone

… |

Foun

d sh

oppi

ng a

roun

d W

aves

11

– 14

Q

23: I

n se

lect

ing

your

set

tlem

ent/c

losi

ng a

gent

did

you

… |

Shop

aro

und

Wav

es 7

– 1

0 Q

23: I

n se

lect

ing

your

set

tlem

ent a

gent

did

you

… |

Shop

aro

und

Wav

es 1

– 6

Q

21: I

n se

lect

ing

your

set

tlem

ent a

gent

did

you

… |

Shop

aro

und

Wav

es 1

– 2

1 1

= Ye

s 2

= N

o

96

X24Z

W

aves

15

– 21

Q

24: I

n se

lect

ing

your

set

tlem

ent/c

losi

ng a

gent

did

you

use

som

eone

… |

Did

not

hav

e a

settl

emen

t/clo

sing

age

nt

Wav

es 1

1 –

14

Q23

: In

sele

ctin

g yo

ur s

ettle

men

t/clo

sing

age

nt d

id y

ou…

| D

id n

ot h

ave

a se

ttlem

ent/c

losi

ng a

gent

W

aves

1 –

10

Que

stio

n no

t ask

ed

Wav

es 1

1 –

21

1 =

Yes

(res

pond

ent i

ndic

ated

th

ey d

id n

ot h

ave

a se

ttlem

ent/c

losi

ng a

gent

) 2

= N

o (r

espo

nden

t fai

led

to

indi

cate

they

did

not

hav

e a

settl

emen

t/clo

sing

age

nt)

Wav

es 1

– 1

0 -3

= N

ot a

pplic

able

for t

his

wav

e 97

X2

5 W

aves

15

– 21

Q

25: D

o yo

u ha

ve ti

tle in

sura

nce

on th

is m

ortg

age?

W

aves

11

– 14

Q

24: D

o yo

u ha

ve ti

tle in

sura

nce

on th

is m

ortg

age?

W

aves

1 –

10

Que

stio

n un

derw

ent s

erio

us re

visi

on (s

ee X

25_1

)

Wav

es 1

1 –

21

1 =

Yes

2 =

No

-1 =

Don

’t kn

ow

Wav

es 1

– 1

0 -3

= N

ot a

pplic

able

for t

his

wav

e


33

Col

Va

riabl

e N

ame

(con

ditio

n, if

app

licab

le)

Que

stio

n R

espo

nses

98

X25_

1 W

aves

11

– 21

Q

uest

ion

unde

rwen

t ser

ious

revi

sion

(see

X25

) W

aves

7 –

10

Q24

: Did

you

r len

der r

equi

re y

ou to

get

title

insu

ranc

e on

this

mor

tgag

e?

Wav

es 1

– 6

Q

22: D

id y

our l

ende

r req

uire

you

to g

et ti

tle in

sura

nce

on y

our

mor

tgag

e?

Wav

es 1

1 –

21

-3 =

Not

app

licab

le fo

r thi

s w

ave

Wav

es 1

– 1

0 1

= Ye

s 2

= N

o

99

X26

(whe

n x2

5 =

1 or

x25

_1

= 1)

Wav

es 1

5 –

21

Q26

: Whi

ch o

ne b

est d

escr

ibes

how

you

pic

ked

the

title

insu

ranc

e?

Wav

es 7

– 1

4 Q

25: W

hich

bes

t des

crib

es h

ow y

ou p

icke

d th

e tit

le in

sura

nce?

W

aves

1 –

6

Q23

: (If

Yes

in Q

22) W

hich

bes

t des

crib

es h

ow y

ou p

icke

d th

e tit

le

insu

ranc

e?

Wav

es 1

9 –

21

1 =

Rei

ssue

d pr

evio

us ti

tle

insu

ranc

e 2

= U

sed

title

insu

ranc

e re

com

men

ded

by m

ortg

age

lend

er/b

roke

r or s

ettle

men

t ag

ent

3 =

Shop

ped

arou

nd

-2 =

Not

app

licab

le (X

25 >

1 o

r X2

5_1

> 1)

W

aves

11

– 18

1

= R

eiss

ued

prev

ious

title

in

sura

nce

2 =

Use

d tit

le in

sura

nce

reco

mm

ende

d by

le

nder

/mor

tgag

e br

oker

or

settl

emen

t age

nt

3 =

Shop

ped

arou

nd

-2 =

Not

app

licab

le (X

25 >

1 o

r X2

5_1

> 1)

W

aves

1 –

10

1 =

Rei

ssue

d pr

evio

us ti

tle

insu

ranc

e 2

= U

sed

title

insu

ranc

e re

com

men

ded

by

lend

er/b

roke

r or s

ettle

men

t ag

ent

3 =

Shop

ped

arou

nd

-2 =

Not

app

licab

le (X

25 >

1 o

r X2

5_1

>1)


34

Col

Va

riabl

e N

ame

(con

ditio

n, if

app

licab

le)

Que

stio

n R

espo

nses

100

X27A

W

aves

15

– 21

Q

27: O

vera

ll, h

ow s

atis

fied

are

you

that

the

mor

tgag

e yo

u go

t was

the

one

with

the…

| Be

st te

rms

to fi

t you

r nee

ds

Wav

es 7

– 1

4 Q

26: O

vera

ll, h

ow s

atis

fied

are

you

that

the

mor

tgag

e yo

u go

t was

the

one

with

the…

| Be

st te

rms

to fi

t you

r nee

ds

Wav

es 1

– 6

Q

24: O

vera

ll, h

ow s

atis

fied

are

you

that

the

mor

tgag

e yo

u go

t was

the

one

with

the…

| Be

st te

rms

to fi

t you

r nee

ds

Wav

es 1

– 2

1 1

= Ve

ry

2 =

Som

ewha

t 3

= N

ot a

t all

101

X27B

W

aves

15

– 21

Q

27: O

vera

ll, h

ow s

atis

fied

are

you

that

the

mor

tgag

e yo

u go

t was

the

one

with

the…

| Lo

wes

t int

eres

t rat

e fo

r whi

ch y

ou c

ould

qua

lify

Wav

es 7

– 1

4 Q

26: O

vera

ll, h

ow s

atis

fied

are

you

that

the

mor

tgag

e yo

u go

t was

the

one

with

the…

| Lo

wes

t int

eres

t rat

e fo

r whi

ch y

ou c

ould

qua

lify

Wav

es 1

– 6

Q

24: O

vera

ll, h

ow s

atis

fied

are

you

that

the

mor

tgag

e yo

u go

t was

the

one

with

the…

| Lo

wes

t int

eres

t rat

e fo

r whi

ch y

ou c

ould

qua

lify

Wav

es 1

– 2

1 1

= Ve

ry

2 =

Som

ewha

t 3

= N

ot a

t all

102

X27C

W

aves

15

– 21

Q

27: O

vera

ll, h

ow s

atis

fied

are

you

that

the

mor

tgag

e yo

u go

t was

the

one

with

the…

| Lo

wes

t clo

sing

cos

ts

Wav

es 7

– 1

4 Q

26: O

vera

ll, h

ow s

atis

fied

are

you

that

the

mor

tgag

e yo

u go

t was

the

one

with

the…

| Lo

wes

t clo

sing

cos

ts

Wav

es 1

– 6

Q

24: O

vera

ll, h

ow s

atis

fied

are

you

that

the

mor

tgag

e yo

u go

t was

the

one

with

the…

| Lo

wes

t clo

sing

cos

ts

Wav

es 1

– 2

1 1

= Ve

ry

2 =

Som

ewha

t 3

= N

ot a

t all

103

X28A

W

aves

19

– 21

Q

28: O

vera

ll, h

ow s

atis

fied

are

you

with

the…

| M

ortg

age

lend

er/b

roke

r yo

u us

ed

Wav

es 1

5 –

18

Q28

: Ove

rall,

how

sat

isfie

d ar

e yo

u w

ith th

e… |

Lend

er o

r mor

tgag

e br

oker

you

use

d W

aves

11

– 14

Q

27: O

vera

ll, h

ow s

atis

fied

are

you

with

the…

| Le

nder

/mor

tgag

e br

oker

yo

u us

ed

(c

ontin

ued

on th

e ne

xt p

age)

Wav

es 1

– 2

1 1

= Ve

ry

2 =

Som

ewha

t 3

= N

ot a

t all


35

Col

Va

riabl

e N

ame

(con

ditio

n, if

app

licab

le)

Que

stio

n R

espo

nses

Wav

es 7

– 1

0

Q27

: Ove

rall,

how

sat

isfie

d ar

e yo

u w

ith th

e… |

Lend

er/b

roke

r you

use

d W

aves

1 –

10

Q25

: Ove

rall,

how

sat

isfie

d ar

e yo

u w

ith th

e… |

Lend

er/b

roke

r you

use

d 10

4 X2

8B

Wav

es 1

5 –

21

Q28

: Ove

rall,

how

sat

isfie

d ar

e yo

u w

ith th

e… |

Appl

icat

ion

proc

ess

Wav

es 7

– 1

4 Q

27: O

vera

ll, h

ow s

atis

fied

are

you

with

the…

| Ap

plic

atio

n pr

oces

s W

aves

1 –

6

Q25

: Ove

rall,

how

sat

isfie

d ar

e yo

u w

ith th

e… |

Appl

icat

ion

proc

ess

Wav

es 1

– 2

1 1

= Ve

ry

2 =

Som

ewha

t 3

= N

ot a

t all

105

X28C

W

aves

15

– 21

Q

28: O

vera

ll, h

ow s

atis

fied

are

you

with

the…

| D

ocum

enta

tion

proc

ess

requ

ired

for t

he lo

an

Wav

es 7

– 1

4 Q

27: O

vera

ll, h

ow s

atis

fied

are

you

with

the…

| D

ocum

enta

tion

proc

ess

requ

ired

for t

he lo

an

Wav

es 1

– 6

Q

uest

ion

not a

sked

Wav

es 7

– 2

1 1

= Ve

ry

2 =

Som

ewha

t 3

= N

ot a

t all

Wav

es 1

– 6

-3

= N

ot a

pplic

able

for t

his

wav

e

106

X28D

W

aves

15

– 21

Q

28: O

vera

ll, h

ow s

atis

fied

are

you

with

the…

| Lo

an c

losi

ng p

roce

ss

Wav

es 7

– 1

4 Q

27: O

vera

ll, h

ow s

atis

fied

are

you

with

the…

| Lo

an c

losi

ng p

roce

ss

Wav

es 1

– 6

Q

25: O

vera

ll, h

ow s

atis

fied

are

you

with

the…

| Lo

an c

losi

ng p

roce

ss

Wav

es 1

– 2

1 1

= Ve

ry

2 =

Som

ewha

t 3

= N

ot a

t all

107

X28E

W

aves

15

– 21

Q

28: O

vera

ll, h

ow s

atis

fied

are

you

with

the…

| In

form

atio

n in

mor

tgag

e di

sclo

sure

doc

umen

ts

Wav

es 7

– 1

4 Q

27: O

vera

ll, h

ow s

atis

fied

are

you

with

the…

| In

form

atio

n in

mor

tgag

e di

sclo

sure

doc

umen

ts

Wav

es 1

– 6

Q

25: O

vera

ll, h

ow s

atis

fied

are

you

with

the…

| Th

e in

form

atio

n in

m

ortg

age

disc

losu

re d

ocum

ents

Wav

es 1

– 2

1 1

= Ve

ry

2 =

Som

ewha

t 3

= N

ot a

t all

108

X28F

W

aves

15

– 21

Q

28: O

vera

ll, h

ow s

atis

fied

are

you

with

the…

| Ti

mel

ines

s of

mor

tgag

e di

sclo

sure

doc

umen

ts

(c

ontin

ued

on th

e ne

xt p

age)

Wav

es 1

– 2

1 1

= Ve

ry

2 =

Som

ewha

t 3

= N

ot a

t all


36

Col

Va

riabl

e N

ame

(con

ditio

n, if

app

licab

le)

Que

stio

n R

espo

nses

Wav

es 7

– 1

4 Q

27: O

vera

ll, h

ow s

atis

fied

are

you

with

the…

| Ti

mel

ines

s of

mor

tgag

e di

sclo

sure

doc

umen

ts

Wav

es 1

– 6

Q

25: O

vera

ll, h

ow s

atis

fied

are

you

with

the…

| Th

e tim

elin

ess

of

mor

tgag

e di

sclo

sure

doc

umen

ts

109

X28G

W

aves

15

– 21

Q

28: O

vera

ll, h

ow s

atis

fied

are

you

with

the…

| Se

ttlem

ent a

gent

W

aves

7 –

14

Q27

: Ove

rall,

how

sat

isfie

d ar

e yo

u w

ith th

e… |

Settl

emen

t age

nt

Wav

es 1

– 6

Q

25: O

vera

ll, h

ow s

atis

fied

are

you

with

the…

| Se

ttlem

ent a

gent

Wav

es 1

– 2

1 1

= Ve

ry

2 =

Som

ewha

t 3

= N

ot a

t all

110

X29

Wav

es 1

5 –

21

Q29

: Did

you

take

a c

ours

e ab

out h

ome-

buyi

ng o

r tal

k to

a p

rofe

ssio

nal

hous

ing

coun

selo

r?

Wav

es 7

– 1

4 Q

28: D

id y

ou ta

ke a

cou

rse

abou

t hom

e-bu

ying

or t

alk

to a

hou

sing

co

unse

lor?

W

aves

3 –

6

Q26

: Did

you

take

a c

ours

e ab

out h

ome-

buyi

ng o

r tal

k to

a h

ousi

ng

coun

selo

r?

Wav

es 1

– 2

Q

26: D

id y

ou ta

lk to

a c

redi

t cou

nsel

or o

r tak

e a

cour

se a

bout

hom

e bu

ying

?

Wav

e 1

– 21

1

= Ye

s 2

= N

o

111

X30A

(w

hen

X29

= 1)

W

aves

19

– 21

Q

30: W

as y

our h

ome-

buyi

ng c

ours

e or

cou

nsel

ing…

| In

per

son,

one

-on-

one

Wav

es 1

5 –

18

Q30

: How

was

you

r hom

e-bu

ying

cou

rse

or c

ouns

elin

g pr

ovid

ed?

| In

pers

on, o

ne-o

n-on

e W

aves

7 –

14

Q29

: How

was

the

hom

e-bu

ying

cou

rse

or c

ouns

elin

g pr

ovid

ed?

| In

pers

on, o

ne-o

n-on

e W

aves

3 –

6

Q27

: How

was

the

hom

e-bu

ying

cou

rse

or c

ouns

elin

g pr

ovid

ed?

| In

pers

on, o

ne-o

n-on

e

(con

tinue

d on

the

next

pag

e)

Wav

es 1

– 2

1 1

= Ye

s 2

= N

o -2

= N

ot a

pplic

able

(X29

> 1

)


37

Col

Va

riabl

e N

ame

(con

ditio

n, if

app

licab

le)

Que

stio

n R

espo

nses

Wav

es 1

– 2

Q

27: (

If Y

es to

Q26

) How

was

cou

nsel

ing

or th

e ho

me-

buyi

ng c

ours

e pr

ovid

ed?

| In

pers

on, o

ne-o

n-on

e 11

2 X3

0B

(whe

n X2

9 =

1)

Wav

es 1

9 –

21

Q30

: Was

you

r hom

e-bu

ying

cou

rse

or c

ouns

elin

g… |

In p

erso

n, in

a

grou

p W

aves

15

– 18

Q

30: H

ow w

as y

our h

ome-

buyi

ng c

ours

e or

cou

nsel

ing

prov

ided

? | I

n pe

rson

, in

a gr

oup

Wav

es 7

– 1

4 Q

29: H

ow w

as th

e ho

me-

buyi

ng c

ours

e or

cou

nsel

ing

prov

ided

? | I

n pe

rson

, in

a gr

oup

Wav

es 3

– 6

Q

27: H

ow w

as th

e ho

me-

buyi

ng c

ours

e or

cou

nsel

ing

prov

ided

? | I

n pe

rson

, in

a gr

oup

Wav

es 1

– 2

Q

27: (

If Y

es to

Q26

) How

was

cou

nsel

ing

or th

e ho

me-

buyi

ng c

ours

e pr

ovid

ed?

| In

pers

on, i

n a

grou

p

Wav

es 1

– 2

1 1

= Ye

s 2

= N

o -2

= N

ot a

pplic

able

(X29

> 1

)

113

X30C

(w

hen

X29

= 1)

W

aves

19

– 21

Q

30: W

as y

our h

ome-

buyi

ng c

ours

e or

cou

nsel

ing…

| O

ver t

he p

hone

W

aves

15

– 18

Q

30: H

ow w

as y

our h

ome-

buyi

ng c

ours

e or

cou

nsel

ing

prov

ided

? | O

ver

the

phon

e W

aves

7 –

14

Q29

: How

was

the

hom

e-bu

ying

cou

rse

or c

ouns

elin

g pr

ovid

ed?

| Ove

r th

e ph

one

Wav

es 3

– 6

Q

27: H

ow w

as th

e ho

me-

buyi

ng c

ours

e or

cou

nsel

ing

prov

ided

? | O

ver

the

phon

e W

aves

1 –

2

Q27

: (If

Yes

to Q

26) H

ow w

as c

ouns

elin

g or

the

hom

e-bu

ying

cou

rse

prov

ided

? | O

ver t

he p

hone

Wav

es 1

– 2

1 1

= Ye

s 2

= N

o -2

= N

ot a

pplic

able

(X29

> 1

)

114

X30D

(w

hen

X29

= 1)

W

aves

19

– 21

Q

30: W

as y

our h

ome-

buyi

ng c

ours

e or

cou

nsel

ing…

| O

nlin

e W

aves

15

– 18

Q

30: H

ow w

as y

our h

ome-

buyi

ng c

ours

e or

cou

nsel

ing

prov

ided

? |

Onl

ine

(con

tinue

d on

the

next

pag

e)

Wav

es 1

– 2

1 1

= Ye

s 2

= N

o -2

= N

ot a

pplic

able

(X29

> 1

)


38

Col

Va

riabl

e N

ame

(con

ditio

n, if

app

licab

le)

Que

stio

n R

espo

nses

Wav

es 7

– 1

4 Q

29: H

ow w

as th

e ho

me-

buyi

ng c

ours

e or

cou

nsel

ing

prov

ided

? | O

nlin

e W

aves

3 –

6

Q27

: How

was

the

hom

e-bu

ying

cou

rse

or c

ouns

elin

g pr

ovid

ed?

| Onl

ine

Wav

es 1

– 2

Q

27: (

If Y

es to

Q26

) How

was

cou

nsel

ing

or th

e ho

me-

buyi

ng c

ours

e pr

ovid

ed?

| Onl

ine

115

X30E

(w

hen

X29

= 1)

W

aves

19

– 21

Q

30: W

as y

our h

ome-

buyi

ng c

ours

e or

cou

nsel

ing…

| R

equi

red

Wav

es 1

– 1

8 Q

uest

ion

not a

sked

Wav

es 1

9 –

21

1 =

Yes

2 =

No

-2 =

Not

app

licab

le (X

29 >

1)

Wav

es 1

– 1

8 -3

= N

ot a

pplic

able

for t

his

wav

e 11

6 X3

1 (w

hen

X29

= 1)

W

aves

15

– 21

Q

31: H

ow m

any

hour

s w

as y

our h

ome-

buyi

ng c

ours

e or

cou

nsel

ing?

W

aves

7 –

14

Q30

: How

man

y ho

urs

was

the

hom

e-bu

ying

cou

rse

or c

ouns

elin

g?

Wav

es 3

– 6

Q

28: (

If Y

es to

Q26

) How

man

y ho

urs

was

the

hom

e-bu

ying

cou

rse

or

coun

selin

g?

Wav

es 1

– 2

Q

28: (

If Y

es to

Q26

) How

man

y ho

urs

was

the

coun

selin

g or

hom

e-bu

ying

cou

rse?

Wav

es 1

– 2

1 1

= Le

ss th

an 3

hou

rs

2 =

3 –

6 ho

urs

3 =

7 –

12 h

ours

4

= M

ore

than

12

hour

s -2

= N

ot a

pplic

able

(X29

> 1

)

117

X32

(whe

n X2

9 =

1)

Wav

es 1

5 –

21

Q32

: Ove

rall,

how

hel

pful

was

you

r hom

e-bu

ying

cou

rse

or c

ouns

elin

g?

Wav

es 7

– 1

4 Q

31: O

vera

ll, h

ow h

elpf

ul w

as th

e ho

me-

buyi

ng c

ours

e or

cou

nsel

ing?

W

aves

3 –

6

Q29

: (If

Yes

to Q

26) O

vera

ll, h

ow h

elpf

ul w

as th

e ho

me-

buyi

ng c

ours

e or

co

unse

ling?

W

aves

1 –

2

Q29

: (If

Yes

to Q

26) O

vera

ll, h

ow h

elpf

ul w

as c

ouns

elin

g or

the

hom

e-bu

ying

cou

rse?

Wav

es 1

– 2

1 1

= Ve

ry

2 =

Som

ewha

t 3

= N

ot a

t all

-2 =

Not

app

licab

le (X

29 >

1)


39

Col

Va

riabl

e N

ame

(con

ditio

n, if

app

licab

le)

Que

stio

n R

espo

nses

118

X33

Wav

es 1

5 –

21

Q33

: Whi

ch o

ne o

f the

se re

ason

s be

st d

escr

ibes

this

mos

t rec

ent

mor

tgag

e?

Wav

es 7

– 1

4 Q

32: W

hat w

as th

e pr

imar

y pu

rpos

e fo

r thi

s m

ost r

ecen

t mor

tgag

e? If

yo

u re

finan

ced

an e

xist

ing

mor

tgag

e fo

r any

reas

on, p

leas

e se

lect

re

finan

ce b

elow

. Mar

k on

e an

swer

. W

aves

1 –

6

Q50

: Wha

t was

the

prim

ary

purp

ose

of y

our m

ortg

age

at th

e tim

e yo

u to

ok it

out

? M

ark

one

answ

er.

The

resp

onse

“to

add/

rem

ove

a co

-bor

row

er” (

valu

e of

‘3’)

was

not

of

fere

d pr

ior t

o W

aves

15

– 21

. Thi

s re

spon

se w

as c

oded

as

an e

dit i

n W

aves

1 to

14

base

d on

resp

onde

nt c

omm

ents

.

Prio

r to

Wav

e 7,

resp

onde

nts

repo

rting

“fin

anci

ng o

f a c

onst

ruct

ion

loan

” (v

alue

of ‘

4’) w

ere

aske

d qu

estio

ns a

ssoc

iate

d w

ith v

aria

bles

X34

to X

36

inst

ead

of v

aria

bles

X37

to X

40. F

or th

ose

case

s, v

aria

bles

X34

to X

36

wer

e nu

lled

and

varia

bles

X37

to X

40 w

ere

impu

ted.

Wav

es 1

5 –

21

1 =

To b

uy a

pro

perty

2

= To

refin

ance

or m

odify

an

earli

er m

ortg

age

3 =

To a

dd/re

mov

e a

co- b

orro

wer

4

= To

fina

nce

a co

nstru

ctio

n lo

an

5 =

To t

ake

out

a ne

w lo

an o

n a

mor

tgag

e-fre

e pr

oper

ty

Wav

es 1

– 1

4 1

= Pu

rcha

se o

f a p

rope

rty

2 =

Ref

inan

ce o

r mod

ifica

tion

of

an e

xist

ing

mor

tgag

e 4

= Pe

rman

ent f

inan

cing

on

a co

nstru

ctio

n lo

an

5 =

New

loan

on

a m

ortg

age-

free

prop

erty

119

X34A

(w

hen

X33

= 1)

W

aves

15

– 21

Q

34: D

id y

ou d

o th

e fo

llow

ing

befo

re o

r afte

r you

mad

e an

offe

r on

this

ho

use

or p

rope

rty?

| Con

tact

ed a

lend

er to

exp

lore

mor

tgag

e op

tions

W

aves

11

– 14

Q

33: D

id y

ou d

o th

e fo

llow

ing

befo

re o

r afte

r you

mad

e an

offe

r on

this

ho

use

or p

rope

rty?

| Con

tact

ed a

lend

er to

exp

lore

mor

tgag

e op

tions

W

aves

9 –

10

Q33

: Did

you

do

the

follo

win

g, b

efor

e or

afte

r you

mad

e an

offe

r on

this

ho

use

or p

rope

rty?

| Con

tact

ed a

lend

er to

exp

lore

mor

tgag

e op

tions

W

aves

7 –

8

Q33

: Whe

n di

d yo

u do

the

follo

win

g, b

efor

e or

afte

r you

mad

e an

offe

r on

this

hou

se o

r pro

perty

? | C

onta

cted

a le

nder

to e

xplo

re m

ortg

age

optio

ns

Wav

es 1

– 6

Q

uest

ion

not a

sked

Wav

es 1

1 –

21

1 =

Befo

re O

ffer

2 =

Afte

r Offe

r 3

= D

id N

ot D

o -2

= N

ot a

pplic

able

(X33

> 1

) W

aves

7 –

10

1 =

Befo

re

2 =

Afte

r 3

= D

id N

ot D

o -2

= N

ot a

pplic

able

(X33

> 1

) W

aves

1 –

6

-3 =

Not

app

licab

le fo

r thi

s w

ave


40

Col

Va

riabl

e N

ame

(con

ditio

n, if

app

licab

le)

Que

stio

n R

espo

nses

120

X34B

(w

hen

X33

= 1)

W

aves

15

– 21

Q

34: D

id y

ou d

o th

e fo

llow

ing

befo

re o

r afte

r you

mad

e an

offe

r on

this

ho

use

or p

rope

rty?

| Got

a p

re-a

ppro

val o

r pre

-qua

lific

atio

n fro

m a

le

nder

W

aves

11

– 14

Q

33: D

id y

ou d

o th

e fo

llow

ing

befo

re o

r afte

r you

mad

e an

offe

r on

this

ho

use

or p

rope

rty?

| Got

a p

re-a

ppro

val o

r pre

-qua

lific

atio

n fro

m a

le

nder

W

aves

9 –

10

Q33

: Did

you

do

the

follo

win

g, b

efor

e or

afte

r you

mad

e an

offe

r on

this

ho

use

or p

rope

rty?

| Got

a p

re-a

ppro

val o

r pre

-qua

lific

atio

n fro

m a

le

nder

W

aves

7 –

8

Q33

: Whe

n di

d yo

u do

the

follo

win

g, b

efor

e or

afte

r you

mad

e an

offe

r on

this

hou

se o

r pro

perty

? | G

ot a

pre

-app

rova

l or p

re-q

ualif

icat

ion

from

a le

nder

W

aves

1 –

6

Que

stio

n no

t ask

ed

Wav

es 1

1 –

21

1 =

Befo

re O

ffer

2 =

Afte

r Offe

r 3

= D

id N

ot D

o -2

= N

ot a

pplic

able

(X33

> 1

) W

aves

7 –

10

1 =

Befo

re

2 =

Afte

r 3

= D

id N

ot D

o -2

= N

ot a

pplic

able

(X33

> 1

) W

aves

1 –

6

-3 =

Not

app

licab

le fo

r thi

s w

ave

121

X34C

(w

hen

X33=

1)

Wav

es 1

5 –

21

Q34

: Did

you

do

the

follo

win

g be

fore

or a

fter y

ou m

ade

an o

ffer o

n th

is

hous

e or

pro

perty

? | D

ecid

ed o

n th

e ty

pe o

f loa

n W

aves

11

– 14

Q

33: D

id y

ou d

o th

e fo

llow

ing

befo

re o

r afte

r you

mad

e an

offe

r on

this

ho

use

or p

rope

rty?

| Dec

ided

on

the

type

of l

oan

Wav

es 9

– 1

0 Q

33: D

id y

ou d

o th

e fo

llow

ing,

bef

ore

or a

fter y

ou m

ade

an o

ffer o

n th

is

hous

e or

pro

perty

? | D

ecid

ed o

n th

e ty

pe o

f loa

n W

aves

7 –

8

Q33

: Whe

n di

d yo

u do

the

follo

win

g, b

efor

e or

afte

r you

mad

e an

offe

r on

this

hou

se o

r pro

perty

? | D

ecid

ed o

n th

e ty

pe o

f loa

n W

aves

1 –

6

Que

stio

n no

t ask

ed

Wav

es 1

1 –

21

1 =

Befo

re O

ffer

2 =

Afte

r Offe

r 3

= D

id N

ot D

o -2

= N

ot a

pplic

able

(X33

> 1

) W

aves

7 –

10

1 =

Befo

re

2 =

Afte

r 3

= D

id N

ot D

o -2

= N

ot a

pplic

able

(X33

> 1

) W

aves

1 –

6

-3 =

Not

app

licab

le fo

r thi

s w

ave

122

X34D

(w

hen

X33

= 1)

W

aves

15

– 21

Q

34: D

id y

ou d

o th

e fo

llow

ing

befo

re o

r afte

r you

mad

e an

offe

r on

this

ho

use

or p

rope

rty?

| Mad

e a

deci

sion

on

whi

ch le

nder

to u

se

(c

ontin

ued

on th

e ne

xt p

age)

Wav

es 1

1 –

21

1 =

Befo

re O

ffer

2 =

Afte

r Offe

r 3

= D

id N

ot D

o -2

= N

ot a

pplic

able

(X33

> 1

)


41

Col

Va

riabl

e N

ame

(con

ditio

n, if

app

licab

le)

Que

stio

n R

espo

nses

Wav

es 1

1 –

14

Q33

: Did

you

do

the

follo

win

g be

fore

or a

fter y

ou m

ade

an o

ffer o

n th

is

hous

e or

pro

perty

? | M

ade

a de

cisi

on o

n w

hich

lend

er to

use

W

aves

9 –

10

Q33

: Did

you

do

the

follo

win

g, b

efor

e or

afte

r you

mad

e an

offe

r on

this

ho

use

or p

rope

rty?

| Mad

e a

deci

sion

on

whi

ch le

nder

to u

se

Wav

es 7

– 8

Q

33: W

hen

did

you

do th

e fo

llow

ing,

bef

ore

or a

fter y

ou m

ade

an o

ffer o

n th

is h

ouse

or p

rope

rty?

| Mad

e a

deci

sion

on

whi

ch le

nder

to u

se

Wav

es 1

– 6

Q

uest

ion

not a

sked

Wav

es 7

– 1

0 1

= Be

fore

2

= Af

ter

3 =

Did

Not

Do

-2 =

Not

app

licab

le (X

33 >

1)

Wav

es 1

– 6

-3

= N

ot a

pplic

able

for t

his

wav

e

123

X34E

(w

hen

X33

= 1)

W

aves

15

– 21

Q

34: D

id y

ou d

o th

e fo

llow

ing

befo

re o

r afte

r you

mad

e an

offe

r on

this

ho

use

or p

rope

rty?

| Sub

mitt

ed a

n of

ficia

l loa

n ap

plic

atio

n W

aves

11

– 14

Q

33: D

id y

ou d

o th

e fo

llow

ing

befo

re o

r afte

r you

mad

e an

offe

r on

this

ho

use

or p

rope

rty?

| Sub

mitt

ed a

n of

ficia

l loa

n ap

plic

atio

n W

aves

9 –

10

Q33

: Did

you

do

the

follo

win

g, b

efor

e or

afte

r you

mad

e an

offe

r on

this

ho

use

or p

rope

rty?

| Sub

mitt

ed a

n of

ficia

l loa

n ap

plic

atio

n W

aves

7 –

8

Q33

: Whe

n di

d yo

u do

the

follo

win

g, b

efor

e or

afte

r you

mad

e an

offe

r on

this

hou

se o

r pro

perty

? | S

ubm

itted

an

offic

ial l

oan

appl

icat

ion

Wav

es 1

– 6

Q

uest

ion

not a

sked

Wav

es 1

1 –

21

1 =

Befo

re O

ffer

2 =

Afte

r Offe

r 3

= D

id N

ot D

o -2

= N

ot a

pplic

able

(X33

> 1

) W

aves

7 –

10

1 =

Befo

re

2 =

Afte

r 3

= D

id N

ot D

o -2

= N

ot a

pplic

able

(X33

> 1

) W

aves

1 –

6

-3 =

Not

app

licab

le fo

r thi

s w

ave

124

Z35

(whe

n X3

3 =

1)

Wav

es 1

5 –

21

Q35

: Wha

t per

cent

dow

n pa

ymen

t did

you

mak

e on

this

pro

perty

? (In

dica

tor)

W

aves

7 –

14

Q34

: Wha

t per

cent

dow

n pa

ymen

t did

you

mak

e on

this

pro

perty

? (In

dica

tor)

W

aves

1 –

6

Q54

: Wha

t per

cent

dow

n pa

ymen

t did

you

mak

e on

you

r pro

perty

? (In

dica

tor)

Wav

es 1

– 2

1 1

= Q

uest

ion

not a

nsw

ered

2

= Q

uest

ion

answ

ered

-2

= N

ot a

pplic

able

(X33

> 1

)

125

X36A

(w

hen

X33

= 1)

W

aves

15

– 21

Q

36: D

id y

ou u

se a

ny o

f the

follo

win

g so

urce

s of

fund

s to

pur

chas

e th

is

prop

erty

? | P

roce

eds

from

the

sale

of a

noth

er p

rope

rty

(con

tinue

d on

the

next

pag

e)

Wav

es 7

– 2

1 1

= U

sed

2 =

Not

Use

d -2

= N

ot a

pplic

able

(X33

> 1

)


42

Col

Va

riabl

e N

ame

(con

ditio

n, if

app

licab

le)

Que

stio

n R

espo

nses

Wav

es 7

– 1

4 Q

35: D

id y

ou u

se a

ny o

f the

follo

win

g so

urce

s of

fund

s to

pur

chas

e th

is

prop

erty

? | P

roce

eds

from

the

sale

of a

noth

er p

rope

rty

Wav

es 1

– 6

Q

52: D

id y

ou u

se th

e pr

ocee

ds fr

om th

e sa

le o

f ano

ther

pro

perty

to h

elp

pay

for t

he h

ouse

or p

rope

rty y

ou b

ough

t?

Wav

es 1

– 6

1

= Ye

s 2

= N

o -2

= N

ot a

pplic

able

(X33

> 1

)

126

X36B

(w

hen

X33

= 1)

W

aves

15

– 21

Q

36: D

id y

ou u

se a

ny o

f the

follo

win

g so

urce

s of

fund

s to

pur

chas

e th

is

prop

erty

? | S

avin

gs, r

etire

men

t acc

ount

, inh

erita

nce,

or o

ther

ass

ets

Wav

es 7

– 1

4 Q

35: D

id y

ou u

se a

ny o

f the

follo

win

g so

urce

s of

fund

s to

pur

chas

e th

is

prop

erty

? | S

avin

gs, r

etire

men

t acc

ount

, inh

erita

nce,

or o

ther

ass

ets

Wav

es 1

– 6

Q

55: D

id y

ou u

se a

ny o

f the

follo

win

g so

urce

s of

fund

s to

pur

chas

e th

e pr

oper

ty?

| Sav

ings

, ret

irem

ent a

ccou

nt, i

nher

itanc

e, o

r oth

er a

sset

s

Wav

es 1

– 2

1 1

= U

sed

2 =

Not

Use

d -2

= N

ot a

pplic

able

(X33

> 1

)

127

X36C

(w

hen

X33

= 1)

W

aves

15

– 21

Q

36: D

id y

ou u

se a

ny o

f the

follo

win

g so

urce

s of

fund

s to

pur

chas

e th

is

prop

erty

? | A

ssis

tanc

e or

loan

from

a n

onpr

ofit

or g

over

nmen

t ag

ency

W

aves

7 –

14

Q35

: Did

you

use

any

of t

he fo

llow

ing

sour

ces

of fu

nds

to p

urch

ase

this

pr

oper

ty?

| Ass

ista

nce

or lo

an fr

om a

non

prof

it or

gov

ernm

ent

agen

cy

Wav

es 1

– 6

Q

55: D

id y

ou u

se a

ny o

f the

follo

win

g so

urce

s of

fund

s to

pur

chas

e th

e pr

oper

ty?

| Ass

ista

nce

or lo

an fr

om a

non

prof

it or

gov

ernm

ent

agen

cy

Wav

es 1

– 2

1 1

= U

sed

2 =

Not

Use

d -2

= N

ot a

pplic

able

(X33

> 1

)

128

X36D

(w

hen

X33

= 1)

W

aves

15

– 21

Q

36: D

id y

ou u

se a

ny o

f the

follo

win

g so

urce

s of

fund

s to

pur

chas

e th

is

prop

erty

? | A

sec

ond

lien,

hom

e eq

uity

loan

, or h

ome

equi

ty li

ne o

f cr

edit

(HEL

OC

) W

aves

7 –

14

Q35

: Did

you

use

any

of t

he fo

llow

ing

sour

ces

of fu

nds

to p

urch

ase

this

pr

oper

ty?

| A s

econ

d lie

n, h

ome

equi

ty lo

an, o

r hom

e eq

uity

line

of

cred

it (H

ELO

C)

Wav

es 1

– 6

Q

uest

ion

not a

sked

Wav

es 7

– 2

1 1

= U

sed

2 =

Not

Use

d -2

= N

ot a

pplic

able

(X33

> 1

) W

aves

1 –

6

-3 =

Not

app

licab

le fo

r thi

s w

ave


43

Col

Va

riabl

e N

ame

(con

ditio

n, if

app

licab

le)

Que

stio

n R

espo

nses

129

X36E

(w

hen

X33

= 1)

W

aves

15

– 21

Q

36: D

id y

ou u

se a

ny o

f the

follo

win

g so

urce

s of

fund

s to

pur

chas

e th

is

prop

erty

? | G

ift o

r loa

n fro

m fa

mily

or f

riend

W

aves

7 –

14

Q35

: Did

you

use

any

of t

he fo

llow

ing

sour

ces

of fu

nds

to p

urch

ase

this

pr

oper

ty?

| Gift

or l

oan

from

fam

ily o

r frie

nd

Wav

es 1

– 6

Q

55: D

id y

ou u

se a

ny o

f the

follo

win

g so

urce

s of

fund

s to

pur

chas

e th

e pr

oper

ty?

| Gift

or l

oan

from

fam

ily o

r frie

nd

Wav

es 1

– 2

1 1

= U

sed

2 =

Not

Use

d -2

= N

ot a

pplic

able

(X33

> 1

)

130

X36F

(w

hen

X33

= 1)

W

aves

15

– 21

Q

36: D

id y

ou u

se a

ny o

f the

follo

win

g so

urce

s of

fund

s to

pur

chas

e th

is

prop

erty

? | S

elle

r con

tribu

tion

Wav

es 7

– 1

4 Q

35: D

id y

ou u

se a

ny o

f the

follo

win

g so

urce

s of

fund

s to

pur

chas

e th

is

prop

erty

? | S

elle

r con

tribu

tion

Wav

es 1

– 6

Q

55: D

id y

ou u

se a

ny o

f the

follo

win

g so

urce

s of

fund

s to

pur

chas

e th

e pr

oper

ty?

| Sel

ler c

ontri

butio

n

Wav

es 1

– 2

1 1

= U

sed

2 =

Not

Use

d -2

= N

ot a

pplic

able

(X33

> 1

)

131

X37A

(w

hen

X33

> 1)

W

aves

15

– 21

Q

37: H

ow im

porta

nt w

ere

the

follo

win

g in

you

r dec

isio

n to

refin

ance

, m

odify

, or o

btai

n a

new

mor

tgag

e? |

Cha

nge

to a

fixe

d-ra

te lo

an

Wav

es 9

– 1

4 Q

36: H

ow im

porta

nt w

ere

the

follo

win

g in

you

r dec

isio

n to

refin

ance

, m

odify

, or o

btai

n a

new

mor

tgag

e? |

Cha

nge

to a

fixe

d-ra

te lo

an

Wav

es 7

– 8

Q

36: I

f a re

finan

ce, c

onst

ruct

ion

loan

, or n

ew lo

an o

n a

mor

tgag

e fre

e pr

oper

ty, h

ow im

porta

nt w

ere

the

follo

win

g in

you

r dec

isio

n to

re

finan

ce, m

odify

or o

btai

n a

new

mor

tgag

e? |

Cha

nge

to a

fixe

d-ra

te lo

an

Wav

es 1

– 6

Q

uest

ion

aske

d on

a d

iffer

ent s

cale

(see

X37

A_1)

Wav

es 7

– 2

1 1

= Im

porta

nt

2 =

Not

Impo

rtant

-2

= N

ot a

pplic

able

(X33

= 1

) W

aves

1 –

6

-3 =

Not

app

licab

le fo

r thi

s w

ave

132

X37A

_1

(whe

n X3

3 >

1)

Wav

es 7

– 2

1 Q

uest

ion

aske

d on

a d

iffer

ent s

cale

(see

X37

A)

Wav

es 1

– 6

Q

56: H

ow im

porta

nt, i

f at a

ll, w

ere

the

follo

win

g re

ason

s in

you

r dec

isio

n to

refin

ance

, mod

ify, o

r obt

ain

a ne

w m

ortg

age?

| C

hang

e to

a

fixed

-rate

loan

Wav

es 7

– 2

1 -3

= N

ot a

pplic

able

for t

his

wav

e W

aves

1 –

6

1 =

Very

2

= So

mew

hat

3 =

Not

At A

ll -2

= N

ot a

pplic

able

(X33

= 1

)


44

Col

Va

riabl

e N

ame

(con

ditio

n, if

app

licab

le)

Que

stio

n R

espo

nses

133

X37B

(w

hen

X33

> 1)

W

aves

15

– 21

Q

37: H

ow im

porta

nt w

ere

the

follo

win

g in

you

r dec

isio

n to

refin

ance

, m

odify

, or o

btai

n a

new

mor

tgag

e? |

Get

a lo

wer

inte

rest

rate

W

aves

9 –

14

Q36

: How

impo

rtant

wer

e th

e fo

llow

ing

in y

our d

ecis

ion

to re

finan

ce,

mod

ify, o

r obt

ain

a ne

w m

ortg

age?

| G

et a

low

er in

tere

st ra

te

Wav

es 7

– 8

Q

36: I

f a re

finan

ce, c

onst

ruct

ion

loan

, or n

ew lo

an o

n a

mor

tgag

e fre

e pr

oper

ty, h

ow im

porta

nt w

ere

the

follo

win

g in

you

r dec

isio

n to

re

finan

ce, m

odify

or o

btai

n a

new

mor

tgag

e? |

Get

a lo

wer

inte

rest

ra

te

Wav

es 1

– 6

Q

uest

ion

aske

d on

a d

iffer

ent s

cale

(see

X37

B_1)

Wav

es 7

– 2

1 1

= Im

porta

nt

2 =

Not

Impo

rtant

-2

= N

ot a

pplic

able

(X33

= 1

) W

aves

1 –

6

-3 =

Not

app

licab

le fo

r thi

s w

ave

134

X37B

_1

(whe

n X3

3 >

1)

Wav

es 7

– 2

1 Q

uest

ion

aske

d on

a d

iffer

ent s

cale

(see

X37

B)

Wav

es 1

– 6

Q

56: H

ow im

porta

nt, i

f at a

ll, w

ere

the

follo

win

g re

ason

s in

you

r dec

isio

n to

refin

ance

, mod

ify, o

r obt

ain

a ne

w m

ortg

age?

| G

et a

low

er

inte

rest

rate

Wav

es 7

– 2

1 -3

= N

ot a

pplic

able

for t

his

wav

e W

aves

1 –

6

1 =

Very

2

= So

mew

hat

3 =

Not

At A

ll -2

= N

ot a

pplic

able

(X33

= 1

) 13

5 X3

7C

(whe

n X3

3 >

1)

Wav

es 1

5 –

21

Q37

: How

impo

rtant

wer

e th

e fo

llow

ing

in y

our d

ecis

ion

to re

finan

ce,

mod

ify, o

r obt

ain

a ne

w m

ortg

age?

| G

et a

low

er m

onth

ly p

aym

ent

Wav

es 9

– 1

4 Q

36: H

ow im

porta

nt w

ere

the

follo

win

g in

you

r dec

isio

n to

refin

ance

, m

odify

, or o

btai

n a

new

mor

tgag

e? |

Get

a lo

wer

mon

thly

pay

men

t W

aves

7 –

8

Q36

: If a

refin

ance

, con

stru

ctio

n lo

an, o

r new

loan

on

a m

ortg

age

free

prop

erty

, how

impo

rtant

wer

e th

e fo

llow

ing

in y

our d

ecis

ion

to

refin

ance

, mod

ify o

r obt

ain

a ne

w m

ortg

age?

| G

et a

low

er m

onth

ly

paym

ent

Wav

es 1

– 6

Q

uest

ion

aske

d on

a d

iffer

ent s

cale

(see

X37

C_1

)

Wav

es 7

– 2

1 1

= Im

porta

nt

2 =

Not

Impo

rtant

-2

= N

ot a

pplic

able

(X33

= 1

) W

aves

1 –

6

-3 =

Not

app

licab

le fo

r thi

s w

ave

136

X37C

_1

(whe

n X3

3 >

1)

Wav

es 7

– 2

1 Q

uest

ion

aske

d on

a d

iffer

ent s

cale

(see

X37

C)

(c

ontin

ued

on th

e ne

xt p

age)

Wav

es 7

– 2

1 -3

= N

ot a

pplic

able

for t

his

wav

e


45

Col

Va

riabl

e N

ame

(con

ditio

n, if

app

licab

le)

Que

stio

n R

espo

nses

Wav

es 1

– 6

Q

56: H

ow im

porta

nt, i

f at a

ll, w

ere

the

follo

win

g re

ason

s in

you

r dec

isio

n to

refin

ance

, mod

ify, o

r obt

ain

a ne

w m

ortg

age?

| G

et a

low

er m

onth

ly

paym

ent

Wav

es 1

– 6

1

= Ve

ry

2 =

Som

ewha

t 3

= N

ot A

t All

-2 =

Not

app

licab

le (X

33 =

1)

137

X37D

(w

hen

X33

> 1)

W

aves

15

– 21

Q

37: H

ow im

porta

nt w

ere

the

follo

win

g in

you

r dec

isio

n to

refin

ance

, m

odify

, or o

btai

n a

new

mor

tgag

e? |

Con

solid

ate

or p

ay d

own

othe

r de

bt

Wav

es 9

– 1

4 Q

36: H

ow im

porta

nt w

ere

the

follo

win

g in

you

r dec

isio

n to

refin

ance

, m

odify

, or o

btai

n a

new

mor

tgag

e? |

Con

solid

ate

or p

ay d

own

othe

r de

bt

Wav

es 7

– 8

Q

36: I

f a re

finan

ce, c

onst

ruct

ion

loan

, or n

ew lo

an o

n a

mor

tgag

e fre

e pr

oper

ty, h

ow im

porta

nt w

ere

the

follo

win

g in

you

r dec

isio

n to

re

finan

ce, m

odify

or o

btai

n a

new

mor

tgag

e? |

Con

solid

ate

or p

ay

dow

n ot

her d

ebt

Wav

es 1

– 6

Q

uest

ion

aske

d on

a d

iffer

ent s

cale

(see

X37

D_1

)

Wav

es 7

– 2

1 1

= Im

porta

nt

2 =

Not

Impo

rtant

-2

= N

ot a

pplic

able

(X33

= 1

) W

aves

1 –

6

-3 =

Not

app

licab

le fo

r thi

s w

ave

138

X37D

_1

(whe

n X3

3 >

1)

Wav

es 7

– 2

1 Q

uest

ion

aske

d on

a d

iffer

ent s

cale

(see

X37

D)

Wav

es 1

– 6

Q

56: H

ow im

porta

nt, i

f at a

ll, w

ere

the

follo

win

g re

ason

s in

you

r dec

isio

n to

refin

ance

, mod

ify, o

r obt

ain

a ne

w m

ortg

age?

| C

onso

lidat

e or

pa

y do

wn

othe

r deb

t

Wav

es 7

– 2

1 -3

= N

ot a

pplic

able

for t

his

wav

e W

aves

1 –

6

1 =

Very

2

= So

mew

hat

3 =

Not

At A

ll -2

= N

ot a

pplic

able

(X33

= 1

) 13

9 X3

7E

(whe

n X3

3 >

1)

Wav

es 1

5 –

21

Q37

: How

impo

rtant

wer

e th

e fo

llow

ing

in y

our d

ecis

ion

to re

finan

ce,

mod

ify, o

r obt

ain

a ne

w m

ortg

age?

| R

epay

the

loan

mor

e qu

ickl

y W

aves

9 –

14

Q36

: How

impo

rtant

wer

e th

e fo

llow

ing

in y

our d

ecis

ion

to re

finan

ce,

mod

ify, o

r obt

ain

a ne

w m

ortg

age?

| R

epay

the

loan

mor

e qu

ickl

y

(con

tinue

d on

the

next

pag

e)

Wav

es 7

– 2

1 1

= Im

porta

nt

2 =

Not

Impo

rtant

-2

= N

ot a

pplic

able

(X33

= 1

)


46

Col

Va

riabl

e N

ame

(con

ditio

n, if

app

licab

le)

Que

stio

n R

espo

nses

Wav

es 7

– 8

Q

36: I

f a re

finan

ce, c

onst

ruct

ion

loan

, or n

ew lo

an o

n a

mor

tgag

e fre

e pr

oper

ty, h

ow im

porta

nt w

ere

the

follo

win

g in

you

r dec

isio

n to

re

finan

ce, m

odify

or o

btai

n a

new

mor

tgag

e? |

Rep

ay th

e lo

an m

ore

quic

kly

Wav

es 1

– 6

Q

uest

ion

aske

d on

a d

iffer

ent s

cale

(see

X37

E_1)

Wav

es 1

– 6

-3

= N

ot a

pplic

able

for t

his

wav

e

140

X37E

_1

(whe

n X3

3 >

1)

Wav

es 7

– 2

1 Q

uest

ion

aske

d on

a d

iffer

ent s

cale

(see

X37

E)

Wav

es 1

– 6

Q

56: H

ow im

porta

nt, i

f at a

ll, w

ere

the

follo

win

g re

ason

s in

you

r dec

isio

n to

ref

inan

ce,

mod

ify,

or o

btai

n a

new

mor

tgag

e? |

Rep

ay t

he lo

an

mor

e qu

ickl

y

Wav

es 7

– 2

1 -3

= N

ot a

pplic

able

for t

his

wav

e W

aves

1 –

6

1 =

Very

2

= So

mew

hat

3 =

Not

At A

ll -2

= N

ot a

pplic

able

(X33

= 1

) 14

1 X3

7F

(whe

n X3

3 >

1)

Wav

es 1

5 –

21

Q37

: How

impo

rtant

wer

e th

e fo

llow

ing

in y

our d

ecis

ion

to re

finan

ce,

mod

ify, o

r obt

ain

a ne

w m

ortg

age?

| Ta

ke o

ut c

ash

Wav

es 9

– 1

4 Q

36: H

ow im

porta

nt w

ere

the

follo

win

g in

you

r dec

isio

n to

refin

ance

, m

odify

, or o

btai

n a

new

mor

tgag

e? |

Take

out

cas

h W

aves

7 –

8

Q36

: If a

refin

ance

, con

stru

ctio

n lo

an, o

r new

loan

on

a m

ortg

age

free

prop

erty

, how

impo

rtant

wer

e th

e fo

llow

ing

in y

our d

ecis

ion

to

refin

ance

, mod

ify o

r obt

ain

a ne

w m

ortg

age?

| Ta

ke o

ut c

ash

Wav

es 1

– 6

Q

uest

ion

aske

d on

a d

iffer

ent s

cale

(see

X37

F_1)

Wav

es 7

– 2

1 1

= Im

porta

nt

2 =

Not

Impo

rtant

-2

= N

ot a

pplic

able

(X33

= 1

) W

aves

1 –

6

-3 =

Not

app

licab

le fo

r thi

s w

ave

142

X37F

_1

(whe

n X3

3 >

1)

Wav

es 7

– 2

1 Q

uest

ion

aske

d on

a d

iffer

ent s

cale

(see

X37

F)

Wav

es 1

– 6

Q

56: H

ow im

porta

nt, i

f at a

ll, w

ere

the

follo

win

g re

ason

s in

you

r dec

isio

n to

refin

ance

, mod

ify, o

r obt

ain

a ne

w m

ortg

age?

| Ta

ke o

ut c

ash

Wav

es 7

– 2

1 -3

= N

ot a

pplic

able

for t

his

wav

e W

aves

1 –

6

1 =

Very

2

= So

mew

hat

3 =

Not

At A

ll -2

= N

ot a

pplic

able

(X33

= 1

) 14

3 Z3

8 (w

hen

X33

> 1)

W

aves

15

– 21

Q

38: A

ppro

xim

atel

y ho

w m

uch

was

ow

ed, i

n to

tal,

on th

e ol

d m

ortg

age(

s) a

nd lo

an(s

) you

refin

ance

d? (I

ndic

ator

)

(con

tinue

d on

the

next

pag

e)

Wav

es 1

– 2

1 1

= Q

uest

ion

not a

nsw

ered

2

= Q

uest

ion

answ

ered

-2

= N

ot a

pplic

able

(X33

= 1

)


47

Col

Va

riabl

e N

ame

(con

ditio

n, if

app

licab

le)

Que

stio

n R

espo

nses

Wav

es 7

– 1

4 Q

37: A

ppro

xim

atel

y ho

w m

uch

was

ow

ed, i

n to

tal,

on th

e ol

d m

ortg

age(

s) a

nd lo

an(s

) you

refin

ance

d? (I

ndic

ator

) W

aves

1 –

6

Q57

: App

roxi

mat

ely

how

muc

h w

as o

wed

, in

tota

l, on

the

old

mor

tgag

e(s)

and

loan

(s) y

ou re

finan

ced?

(Ind

icat

or)

144

R39

(w

hen

X33

> 1)

Pl

ease

use

this

var

iabl

e w

ith c

autio

n. B

orro

wer

s’ re

spon

ses

to

ques

tion

39 a

re o

ften

at o

dds

with

cre

dit b

urea

u da

ta re

gard

ing

thei

r len

ding

his

tory

. The

“R

” pr

efix

indi

cate

s th

at th

is q

uest

ion

was

retir

ed in

202

0 Q

uart

er 1

(Wav

e 25

). W

aves

19

– 21

Q

39: H

ow d

id th

e to

tal a

mou

nt o

f you

r new

mor

tgag

e(s)

com

pare

to th

e to

tal o

f the

old

mor

tgag

e(s)

and

loan

(s) y

ou p

aid

off?

W

aves

15

– 18

Q

39: H

ow d

oes

the

tota

l am

ount

of y

our n

ew m

ortg

age(

s) c

ompa

re to

th

e to

tal o

f the

old

mor

tgag

e(s)

and

loan

(s) y

ou p

aid

off?

W

aves

7 –

14

Q38

: How

doe

s th

e to

tal a

mou

nt o

f you

r new

mor

tgag

e(s)

com

pare

to

the

tota

l am

ount

of t

he o

ld m

ortg

age(

s) a

nd lo

an(s

) you

pai

d of

f (in

clud

e an

y ne

w s

econ

d lie

ns, h

ome

equi

ty lo

ans,

or a

hom

e eq

uity

lin

e of

cre

dit (

HE

LOC

))?

Wav

es 1

– 6

Q

58: H

ow d

oes

the

tota

l am

ount

of y

our n

ew m

ortg

age(

s) c

ompa

re to

th

e to

tal a

mou

nt o

f the

old

mor

tgag

e(s)

and

loan

s w

hen

they

wer

e pa

id o

ff?

Wav

es 1

– 2

1 1

= N

ew a

mou

nt is

low

er

2 =

New

am

ount

is a

bout

the

sam

e 3

= N

ew a

mou

nt is

hig

her

4 =

Prop

erty

was

mor

tgag

e- fr

ee

-2 =

Not

app

licab

le (X

33 =

1)

145

X40A

(w

here

X33

> 1

) (W

aves

1-1

8: a

nd w

hen

R39

> 2

)

Wav

es 1

5 –

21

Q40

: Did

you

use

the

mon

ey y

ou g

ot fr

om th

is n

ew m

ortg

age

for a

ny o

f th

e fo

llow

ing?

| C

olle

ge e

xpen

ses

Wav

es 7

– 1

4 Q

39: D

id y

ou u

se th

e m

oney

you

got

from

this

new

mor

tgag

e fo

r any

of

the

follo

win

g? |

Col

lege

exp

ense

s W

aves

1 –

6

Q59

: Did

you

use

the

mon

ey y

ou g

ot fr

om th

is n

ew m

ortg

age

for a

ny o

f th

e fo

llow

ing?

| C

olle

ge e

xpen

ses

Wav

es 1

– 2

1 1

= Ye

s 2

= N

o -2

= N

ot a

pplic

able

(X33

= 1

or,

for w

aves

1-1

8, R

39 =

1 o

r 2)


48

Col

Va

riabl

e N

ame

(con

ditio

n, if

app

licab

le)

Que

stio

n R

espo

nses

146

X40B

(w

here

X33

> 1

) (W

aves

1-1

8: a

nd w

hen

R39

> 2

)

Wav

es 1

5 –

21

Q40

: Did

you

use

the

mon

ey y

ou g

ot fr

om th

is n

ew m

ortg

age

for a

ny o

f th

e fo

llow

ing?

| Au

to o

r oth

er m

ajor

pur

chas

e W

aves

7 –

14

Q39

: Did

you

use

the

mon

ey y

ou g

ot fr

om th

is n

ew m

ortg

age

for a

ny o

f th

e fo

llow

ing?

| Au

to o

r oth

er m

ajor

pur

chas

e W

aves

1 –

6

Q59

: Did

you

use

the

mon

ey y

ou g

ot fr

om th

is n

ew m

ortg

age

for a

ny o

f th

e fo

llow

ing?

| Au

to o

r oth

er m

ajor

pur

chas

e

Wav

es 1

– 2

1 1

= Ye

s 2

= N

o -2

= N

ot a

pplic

able

(X33

= 1

or,

for w

aves

1-1

8, R

39 =

1 o

r 2)

147

X40C

(w

here

X33

> 1

) (W

aves

1-1

8: a

nd w

hen

R39

> 2

)

Wav

es 1

5 –

21

Q40

: Did

you

use

the

mon

ey y

ou g

ot fr

om th

is n

ew m

ortg

age

for a

ny o

f th

e fo

llow

ing?

| Bu

y ou

t co-

borro

wer

e.g

. ex-

spou

se

Wav

es 1

1 –

14

Q39

: Did

you

use

the

mon

ey y

ou g

ot fr

om th

is n

ew m

ortg

age

for a

ny o

f th

e fo

llow

ing?

| Bu

y ou

t co-

borro

wer

e.g

. ex-

spou

se

Wav

es 1

– 1

0 Q

uest

ion

not a

sked

Wav

es 1

1 –

21

1 =

Yes

2 =

No

-2 =

Not

app

licab

le (X

33 =

1 o

r, fo

r wav

es 1

-18,

R39

= 1

or 2

) W

aves

1 –

10

-3 =

Not

app

licab

le fo

r thi

s w

ave

148

X40D

(w

here

X33

> 1

) (W

aves

1-1

8: a

nd w

hen

R39

> 2

)

Wav

es 1

5 –

21

Q40

: Did

you

use

the

mon

ey y

ou g

ot fr

om th

is n

ew m

ortg

age

for a

ny o

f th

e fo

llow

ing?

| Pa

y of

f oth

er b

ills o

r deb

ts

Wav

es 7

– 1

4 Q

39: D

id y

ou u

se th

e m

oney

you

got

from

this

new

mor

tgag

e fo

r any

of

the

follo

win

g? |

Pay

off o

ther

bills

or d

ebts

W

aves

1 –

6

Q59

: Did

you

use

the

mon

ey y

ou g

ot fr

om th

is n

ew m

ortg

age

for a

ny o

f th

e fo

llow

ing?

| Pa

y of

f oth

er b

ills o

r deb

ts

Wav

es 1

– 2

1 1

= Ye

s 2

= N

o -2

= N

ot a

pplic

able

(X33

= 1

or,

for w

aves

1-1

8, R

39 =

1 o

r 2)

149

X40E

(w

here

X33

> 1

) (W

aves

1-1

8: a

nd w

hen

R39

> 2

)

Wav

es 1

5 –

21

Q40

: Did

you

use

the

mon

ey y

ou g

ot fr

om th

is n

ew m

ortg

age

for a

ny o

f th

e fo

llow

ing?

| H

ome

repa

irs o

r new

con

stru

ctio

n W

aves

7 –

14

Q39

: Did

you

use

the

mon

ey y

ou g

ot fr

om th

is n

ew m

ortg

age

for a

ny o

f th

e fo

llow

ing?

| H

ome

repa

irs o

r new

con

stru

ctio

n W

aves

1 –

6

Q59

: Did

you

use

the

mon

ey y

ou g

ot fr

om th

is n

ew m

ortg

age

for a

ny o

f th

e fo

llow

ing?

| H

ome

repa

irs/a

dditi

ons

Wav

es 1

– 2

1 1

= Ye

s 2

= N

o -2

= N

ot a

pplic

able

(X33

= 1

or,

for w

aves

1-1

8, R

39 =

1 o

r 2)


49

Col

Va

riabl

e N

ame

(con

ditio

n, if

app

licab

le)

Que

stio

n R

espo

nses

150

X40F

(w

here

X33

> 1

) (W

aves

1-1

8: a

nd w

hen

R39

> 2

)

Wav

es 1

5 –

21

Q40

: Did

you

use

the

mon

ey y

ou g

ot fr

om th

is n

ew m

ortg

age

for a

ny o

f th

e fo

llow

ing?

| Sa

ving

s W

aves

7 –

14

Q39

: Did

you

use

the

mon

ey y

ou g

ot fr

om th

is n

ew m

ortg

age

for a

ny o

f th

e fo

llow

ing?

| Sa

ving

s W

aves

1 –

6

Q59

: Did

you

use

the

mon

ey y

ou g

ot fr

om th

is n

ew m

ortg

age

for a

ny o

f th

e fo

llow

ing?

| Sa

ving

s

Wav

es 1

– 2

1 1

= Ye

s 2

= N

o -2

= N

ot a

pplic

able

(X33

= 1

or,

for w

aves

1-1

8, R

39 =

1 o

r 2)

151

X40G

(w

here

X33

> 1

) (W

aves

1-1

8: a

nd w

hen

R39

> 2

)

Wav

es 1

5 –

21

Q40

: Did

you

use

the

mon

ey y

ou g

ot fr

om th

is n

ew m

ortg

age

for a

ny o

f th

e fo

llow

ing?

| C

losi

ng c

osts

of n

ew m

ortg

age

Wav

es 7

– 1

4 Q

39: D

id y

ou u

se th

e m

oney

you

got

from

this

new

mor

tgag

e fo

r any

of

the

follo

win

g? |

Clo

sing

cos

ts o

f new

mor

tgag

e W

aves

1 –

6

Q59

: Did

you

use

the

mon

ey y

ou g

ot fr

om th

is n

ew m

ortg

age

for a

ny o

f th

e fo

llow

ing?

| C

losi

ng c

osts

of n

ew m

ortg

age

Wav

es 1

– 2

1 1

= Ye

s 2

= N

o -2

= N

ot a

pplic

able

(X33

= 1

or,

for w

aves

1-1

8, R

39 =

1 o

r 2)

152

X40H

(w

here

X33

> 1

) (W

aves

1-1

8: a

nd w

hen

R39

> 2

)

Wav

es 1

5 –

21

Q40

: Did

you

use

the

mon

ey y

ou g

ot fr

om th

is n

ew m

ortg

age

for a

ny o

f th

e fo

llow

ing?

| Bu

sine

ss o

r inv

estm

ent

Wav

es 7

– 1

4 Q

39: D

id y

ou u

se th

e m

oney

you

got

from

this

new

mor

tgag

e fo

r any

of

the

follo

win

g? |

Busi

ness

or i

nves

tmen

t W

aves

1 –

6

Q59

: Did

you

use

the

mon

ey y

ou g

ot fr

om th

is n

ew m

ortg

age

for a

ny o

f th

e fo

llow

ing?

| Bu

sine

ss o

r inv

estm

ent

Wav

es 1

– 2

1 1

= Ye

s 2

= N

o -2

= N

ot a

pplic

able

(X33

= 1

or,

for w

aves

1-1

8, R

39 =

1 o

r 2)

153

X40Z

(w

here

X33

> 1

) W

aves

19

– 21

Q

40: D

id y

ou u

se th

e m

oney

you

got

from

this

new

mor

tgag

e fo

r any

of

the

follo

win

g? |

Did

not

get

mon

ey fr

om re

finan

cing

W

aves

1 –

18

Que

stio

n no

t ask

ed

Wav

es 1

9 –

21

1 =

Yes

(res

pond

ent d

id n

ot g

et

mon

ey fr

om re

finan

cing

) 2

= N

o (r

espo

nden

t did

get

mon

ey

from

refin

anci

ng)

-2 =

Not

app

licab

le (X

33 =

1)

Wav

es 1

– 1

8 -3

= N

ot a

pplic

able

for t

his

wav

e


50

Col

Va

riabl

e N

ame

(con

ditio

n, if

app

licab

le)

Que

stio

n R

espo

nses

154

Z41

Wav

es 1

5 –

21

Q41

: Whe

n yo

u to

ok o

ut th

is m

ost r

ecen

t mor

tgag

e or

refin

ance

, wha

t w

as th

e do

llar a

mou

nt y

ou b

orro

wed

? (In

dica

tor)

W

aves

7 –

14

Q40

: Whe

n yo

u to

ok o

ut th

is m

ost r

ecen

t mor

tgag

e or

refin

ance

, wha

t w

as th

e lo

an a

mou

nt (t

he d

olla

r am

ount

you

bor

row

ed)?

(Ind

icat

or)

Wav

es 1

– 6

Q

30: W

hen

you

took

out

you

r mor

tgag

e, w

hat w

as th

e lo

an a

mou

nt (t

he

dolla

r am

ount

you

bor

row

ed)?

(Ind

icat

or)

Wav

es 1

– 2

1 1

= Q

uest

ion

not a

nsw

ered

2

= Q

uest

ion

answ

ered

155

Z42

Wav

es 1

5 –

21

Q42

: Wha

t is

the

mon

thly

pay

men

t, in

clud

ing

the

amou

nt p

aid

to e

scro

w

for t

axes

and

insu

ranc

e? (I

ndic

ator

) W

aves

7 –

14

Q41

: Wha

t is

the

mon

thly

pay

men

t, in

clud

ing

the

amou

nt p

aid

to e

scro

w

for t

axes

and

insu

ranc

e? (I

ndic

ator

) W

aves

1 –

6

Q31

: Wha

t is

the

mon

thly

pay

men

t (in

clud

ing

the

amou

nt p

aid

to e

scro

w

for t

axes

and

insu

ranc

e)?

(Indi

cato

r)

Wav

es 1

– 2

1 1

= Q

uest

ion

not a

nsw

ered

2

= Q

uest

ion

answ

ered

156

Z43

Wav

es 1

5 –

21

Q43

: Wha

t is

the

inte

rest

rate

on

this

mor

tgag

e? (I

ndic

ator

) W

aves

7 –

14

Q42

: Wha

t is

the

inte

rest

rate

on

this

mor

tgag

e? (I

ndic

ator

) W

aves

1 –

6

Q32

: Wha

t is

the

inte

rest

rate

on

your

mor

tgag

e? (I

ndic

ator

)

Wav

es 1

– 2

1 1

= Q

uest

ion

not a

nsw

ered

2

= Q

uest

ion

answ

ered

157

X44

Wav

es 1

5 –

21

Q44

: Is

this

an

adju

stab

le-r

ate

mor

tgag

e (o

ne th

at a

llow

s th

e in

tere

st ra

te

to c

hang

e ov

er th

e lif

e of

the

loan

)?

Wav

es 7

– 1

4 Q

43: I

s th

is a

n ad

just

able

-rat

e m

ortg

age

(one

that

allo

ws

the

inte

rest

rate

to

cha

nge

over

the

life

of th

e lo

an)?

W

aves

1 –

6

Q33

: Is

this

an

adju

stab

le-r

ate

mor

tgag

e (o

ne th

at a

llow

s th

e in

tere

st ra

te

to c

hang

e ov

er th

e lif

e of

the

loan

)?

Wav

es 1

– 2

1 1

= Ye

s 2

= N

o -1

= D

on’t

know


51

Col

Va

riabl

e N

ame

(con

ditio

n, if

app

licab

le)

Que

stio

n R

espo

nses

158

X45

Wav

es 1

9 –

21

Q45

: Whi

ch o

ne o

f the

follo

win

g be

st d

escr

ibes

how

you

dec

ided

on

the

inte

rest

rate

of y

our m

ortg

age?

W

aves

1 –

18

Que

stio

n no

t ask

ed

Wav

es 1

9 –

21

1 =

Paid

hig

her c

losi

ng c

osts

to

get l

ower

inte

rest

rate

2

= Pa

id lo

wer

clo

sing

cos

ts w

ith

a hi

gher

inte

rest

rate

3

= G

ot a

bal

ance

bet

wee

n cl

osin

g co

sts

and

inte

rest

rate

W

aves

1 –

18

-3 =

Not

app

licab

le fo

r thi

s w

ave

159

X46A

W

aves

15

– 21

Q

46: D

oes

this

mor

tgag

e ha

ve…

| A

prep

aym

ent p

enal

ty (f

ee if

the

mor

tgag

e is

pai

d of

f ear

ly)

Wav

es 7

– 1

4 Q

46: D

oes

this

mor

tgag

e ha

ve a

ny o

f the

follo

win

g fe

atur

es?

| A

prep

aym

ent p

enal

ty (f

ee if

the

mor

tgag

e is

pai

d of

f ear

ly)

Wav

es 1

– 6

Q

40: D

oes

your

mor

tgag

e ha

ve a

ny o

f the

follo

win

g fe

atur

es?

| A

prep

aym

ent p

enal

ty (f

ee if

the

mor

tgag

e is

pai

d of

f ear

ly)

Wav

es 1

– 2

1 1

= Ye

s 2

= N

o -1

= D

on’t

know

160

X46B

W

aves

15

– 21

Q

46: D

oes

this

mor

tgag

e ha

ve…

| An

esc

row

acc

ount

for t

axes

and

/or

hom

eow

ner i

nsur

ance

W

aves

7 –

14

Q46

: Doe

s th

is m

ortg

age

have

any

of t

he fo

llow

ing

feat

ures

? | A

n es

crow

ac

coun

t for

taxe

s an

d/or

hom

eow

ner i

nsur

ance

W

aves

1 –

6

Q40

: Doe

s yo

ur m

ortg

age

have

any

of t

he fo

llow

ing

feat

ures

? | A

n es

crow

acc

ount

for t

axes

and

/or h

omeo

wne

r ins

uran

ce

Wav

es 1

– 2

1 1

= Ye

s 2

= N

o -1

= D

on’t

know

161

X46C

W

aves

15

– 21

Q

46: D

oes

this

mor

tgag

e ha

ve…

| A

ballo

on p

aym

ent

Wav

es 7

– 1

4 Q

46: D

oes

this

mor

tgag

e ha

ve a

ny o

f the

follo

win

g fe

atur

es?

| A b

allo

on

paym

ent

Wav

es 1

– 6

Q

40: D

oes

your

mor

tgag

e ha

ve a

ny o

f the

follo

win

g fe

atur

es?

| A b

allo

on

paym

ent

Wav

es 1

– 2

1 1

= Ye

s 2

= N

o -1

= D

on’t

know


52

Col

Va

riabl

e N

ame

(con

ditio

n, if

app

licab

le)

Que

stio

n R

espo

nses

162

X46D

W

aves

15

– 21

Q

46: D

oes

this

mor

tgag

e ha

ve…

| In

tere

st-o

nly

paym

ents

W

aves

7 –

14

Q46

: Doe

s th

is m

ortg

age

have

any

of t

he fo

llow

ing

feat

ures

? | I

nter

est-

only

pay

men

ts

Wav

es 1

– 6

Q

40: D

oes

your

mor

tgag

e ha

ve a

ny o

f the

follo

win

g fe

atur

es?

| Int

eres

t-on

ly p

aym

ents

Wav

es 1

– 2

1 1

= Ye

s 2

= N

o -1

= D

on’t

know

163

X46E

W

aves

15

– 21

Q

46: D

oes

this

mor

tgag

e ha

ve…

| Pr

ivat

e m

ortg

age

insu

ranc

e W

aves

11

– 14

Q

46: D

oes

this

mor

tgag

e ha

ve a

ny o

f the

follo

win

g fe

atur

es?

| Priv

ate

mor

tgag

e in

sura

nce

Wav

es 1

– 1

0 Q

uest

ion

not a

sked

Wav

es 1

1 –

21

1 =

Yes

2 =

No

-1 =

Don

’t kn

ow

Wav

es 1

– 1

0 -3

= N

ot a

pplic

able

for t

his

wav

e

164

Z47

Wav

es 1

9 –

21

Q48

: The

“Clo

sing

Dis

clos

ure”

sta

tem

ent y

ou re

ceiv

ed a

t clo

sing

sho

ws

the

loan

clo

sing

cos

ts a

nd o

ther

clo

sing

cos

ts s

epar

atel

y. W

hat

wer

e th

e lo

an c

losi

ng c

osts

you

pai

d on

this

loan

? (In

dica

tor)

W

aves

15

– 18

Q

47: T

he “

Clo

sing

Dis

clos

ure”

sta

tem

ent y

ou r

ecei

ved

at c

losi

ng s

how

s th

e lo

an c

losi

ng c

osts

and

oth

er c

losi

ng c

osts

sep

arat

ely.

Wha

t wer

e th

e lo

an c

losi

ng c

osts

you

pai

d on

this

loan

? (In

dica

tor)

W

aves

11

– 14

Q

47: T

he C

losi

ng D

iscl

osur

e st

atem

ent y

ou re

ceiv

ed a

t clo

sing

sho

ws

the

loan

clo

sing

cos

ts a

nd o

ther

clo

sing

cos

ts s

epar

atel

y. W

hat

wer

e th

e lo

an c

losi

ng c

osts

you

pai

d on

this

loan

? (In

dica

tor)

W

aves

9 –

10

Q47

: The

clo

sing

dis

clos

ure

stat

emen

t you

rece

ived

at c

losi

ng s

how

s th

e lo

an c

losi

ng c

osts

and

oth

er c

losi

ng c

osts

sep

arat

ely.

Wha

t wer

e th

e lo

an c

losi

ng c

osts

you

pai

d on

this

loan

? (In

dica

tor)

W

aves

7 –

8

Q47

: The

clo

sing

dis

clos

ure

stat

emen

t you

rece

ived

at c

losi

ng s

how

s th

e lo

an c

osts

and

oth

er c

losi

ng c

osts

sep

arat

ely.

Wha

t wer

e th

e lo

an

clos

ing

cost

s yo

u pa

id o

n th

is lo

an?

(Indi

cato

r)

Wav

es 1

– 6

Q

uest

ion

not a

sked

Wav

es 7

– 2

1 1

= Q

uest

ion

not a

nsw

ered

2

= Q

uest

ion

answ

ered

W

aves

1 –

6

-3 =

Not

app

licab

le fo

r thi

s w

ave


53

Col

Va

riabl

e N

ame

(con

ditio

n, if

app

licab

le)

Que

stio

n R

espo

nses

165

X48A

W

aves

19

– 21

Q

49: H

ow w

ere

the

tota

l clo

sing

cos

ts (l

oan

cost

s an

d ot

her c

osts

) for

th

is lo

an p

aid?

| By

me

or a

co-

sign

er w

ith a

che

ck o

r wire

tran

sfer

W

aves

15

– 18

Q

48: H

ow w

ere

the

tota

l clo

sing

cos

ts (l

oan

cost

s an

d ot

her c

osts

) for

th

is lo

an p

aid?

| By

me

or a

co-

sign

er w

ith a

che

ck o

r wire

tran

sfer

W

aves

7 –

14

Q48

: How

wer

e th

e to

tal c

losi

ng c

osts

(loa

n co

sts

and

othe

r cos

ts) f

or

this

loan

pai

d? |

By m

e or

a c

o-si

gner

(che

ck o

r wire

tran

sfer

) W

aves

1 –

6

Q41

: Wer

e th

e co

sts

to c

lose

you

r loa

n pa

id in

any

of t

he fo

llow

ing

way

s? |

By m

e or

a c

o-si

gner

(che

ck o

r wire

tran

sfer

)

Wav

es 1

– 2

1 1

= Ye

s 2

= N

o -1

= D

on’t

know

166

X48B

W

aves

19

– 21

Q

49: H

ow w

ere

the

tota

l clo

sing

cos

ts (l

oan

cost

s an

d ot

her c

osts

) for

th

is lo

an p

aid?

| Ad

ded

to th

e m

ortg

age

amou

nt

Wav

es 7

– 1

8 Q

48: H

ow w

ere

the

tota

l clo

sing

cos

ts (l

oan

cost

s an

d ot

her c

osts

) for

th

is lo

an p

aid?

| Ad

ded

to th

e m

ortg

age

amou

nt

Wav

es 1

– 6

Q

41: W

ere

the

cost

s to

clo

se y

our l

oan

paid

in a

ny o

f the

follo

win

g w

ays?

| Ad

ded

to th

e m

ortg

age

amou

nt

Wav

es 1

– 2

1 1

= Ye

s 2

= N

o -1

= D

on’t

know

167

X48C

W

aves

19

– 21

Q

49: H

ow w

ere

the

tota

l clo

sing

cos

ts (l

oan

cost

s an

d ot

her c

osts

) for

th

is lo

an p

aid?

| By

mor

tgag

e le

nder

/bro

ker

Wav

es 1

1 –

18

Q48

: How

wer

e th

e to

tal c

losi

ng c

osts

(loa

n co

sts

and

othe

r cos

ts) f

or

this

loan

pai

d? |

By le

nder

/mor

tgag

e br

oker

W

aves

7 –

10

Q48

: How

wer

e th

e to

tal c

losi

ng c

osts

(loa

n co

sts

and

othe

r cos

ts) f

or

this

loan

pai

d? |

By le

nder

/bro

ker

Wav

es 1

– 6

Q

41: W

ere

the

cost

s to

clo

se y

our l

oan

paid

in a

ny o

f the

follo

win

g w

ays?

| By

lend

er/b

roke

r

Wav

es 1

– 2

1 1

= Ye

s 2

= N

o -1

= D

on’t

know

168

X48D

W

aves

19

– 21

Q

49: H

ow w

ere

the

tota

l clo

sing

cos

ts (l

oan

cost

s an

d ot

her c

osts

) for

th

is lo

an p

aid?

| By

sel

ler/b

uild

er

(c

ontin

ued

on th

e ne

xt p

age)

Wav

es 1

– 2

1 1

= Ye

s 2

= N

o -1

= D

on’t

know


54

Col

Va

riabl

e N

ame

(con

ditio

n, if

app

licab

le)

Que

stio

n R

espo

nses

Wav

es 7

– 1

8 Q

48: H

ow w

ere

the

tota

l clo

sing

cos

ts (l

oan

cost

s an

d ot

her c

osts

) for

th

is lo

an p

aid?

| By

sel

ler/b

uild

er

Wav

es 1

– 6

Q

41: W

ere

the

cost

s to

clo

se y

our l

oan

paid

in a

ny o

f the

follo

win

g w

ays?

| By

sel

ler/b

uild

er

169

X48X

W

aves

19

– 21

Q

49: H

ow w

ere

the

tota

l clo

sing

cos

ts (l

oan

cost

s an

d ot

her c

osts

) for

th

is lo

an p

aid?

| O

ther

(spe

cify

) W

aves

7 –

18

Q48

: How

wer

e th

e to

tal c

losi

ng c

osts

(loa

n co

sts

and

othe

r cos

ts) f

or

this

loan

pai

d? |

Oth

er (s

peci

fy)

Wav

es 1

– 6

Q

41: W

ere

the

cost

s to

clo

se y

our l

oan

paid

in a

ny o

f the

follo

win

g w

ays?

| O

ther

(spe

cify

)

Wav

es 1

– 2

1 1

= Ye

s 2

= N

o -1

= D

on’t

know

170

X48Z

W

aves

19

– 21

Q

49: H

ow w

ere

the

tota

l clo

sing

cos

ts (l

oan

cost

s an

d ot

her c

osts

) for

th

is lo

an p

aid?

| Lo

an h

ad n

o cl

osin

g co

sts

Wav

es 1

1 –

18

Q48

: How

wer

e th

e to

tal c

losi

ng c

osts

(loa

n co

sts

and

othe

r cos

ts) f

or

this

loan

pai

d? |

Loan

had

no

clos

ing

cost

s W

aves

1 –

10

Que

stio

n no

t ask

ed

Wav

es 1

1 –

21

1 =

Yes

(res

pond

ent i

ndic

ated

th

ey h

ad n

o cl

osin

g co

sts)

2

= N

o (r

espo

nden

t fai

led

to

indi

cate

they

had

no

clos

ing

cost

s)

Wav

es 1

– 1

0 -3

= N

ot a

pplic

able

for t

his

wav

e 17

1 X4

9 W

aves

19

– 21

Q

50: W

ere

the

loan

cos

ts y

ou p

aid

sim

ilar t

o w

hat y

ou h

ad e

xpec

ted

to

pay

base

d on

the

Loan

Est

imat

es o

r Clo

sing

Dis

clos

ures

you

re

ceiv

ed?

Wav

es 1

1 –

18

Q49

: Wer

e th

e lo

an c

osts

you

pai

d si

mila

r to

wha

t you

had

exp

ecte

d to

pa

y ba

sed

on th

e Lo

an E

stim

ates

or C

losi

ng D

iscl

osur

es y

ou

rece

ived

? W

aves

1 –

10

Que

stio

n no

t ask

ed

Wav

es 1

1 –

21

1 =

Yes

2 =

No

Wav

es 1

– 1

0 -3

= N

ot a

pplic

able

for t

his

wav

e

172

X50A

W

aves

19

– 21

Q

51: D

id y

ou s

eek

inpu

t abo

ut y

our c

losi

ng d

ocum

ents

from

any

of t

he

follo

win

g pe

ople

? | M

ortg

age

lend

er/b

roke

r

(con

tinue

d on

the

next

pag

e)

Wav

es 1

– 2

1 1

= Ye

s 2

= N

o


55

Col

Va

riabl

e N

ame

(con

ditio

n, if

app

licab

le)

Que

stio

n R

espo

nses

Wav

es 1

1 –

18

Q50

: Did

you

see

k in

put a

bout

you

r clo

sing

doc

umen

ts fr

om a

ny o

f the

fo

llow

ing

peop

le?

| Len

der/m

ortg

age

brok

er

Wav

es 7

– 1

0 Q

51: D

id y

ou s

eek

inpu

t abo

ut y

our c

losi

ng d

ocum

ents

from

any

of t

he

follo

win

g pe

ople

? | L

ende

r/bro

ker

Wav

es 1

– 6

Q

44: D

id y

ou s

eek

inpu

t abo

ut y

our c

losi

ng d

ocum

ents

from

any

of t

he

follo

win

g pe

ople

? | L

ende

r/bro

ker

173

X50B

W

aves

19

– 21

Q

51: D

id y

ou s

eek

inpu

t abo

ut y

our c

losi

ng d

ocum

ents

from

any

of t

he

follo

win

g pe

ople

? | S

ettle

men

t/clo

sing

age

nt

Wav

es 1

5 –

18

Q50

: Did

you

see

k in

put a

bout

you

r clo

sing

doc

umen

ts fr

om a

ny o

f the

fo

llow

ing

peop

le?

| Set

tlem

ent/c

losi

ng a

gent

W

aves

11

– 14

Q

50: D

id y

ou s

eek

inpu

t abo

ut y

our c

losi

ng d

ocum

ents

from

any

of t

he

follo

win

g pe

ople

? | S

ettle

men

t age

nt

Wav

es 7

– 1

0 Q

51: D

id y

ou s

eek

inpu

t abo

ut y

our c

losi

ng d

ocum

ents

from

any

of t

he

follo

win

g pe

ople

? | S

ettle

men

t age

nt

Wav

es 1

– 6

Q

44: D

id y

ou s

eek

inpu

t abo

ut y

our c

losi

ng d

ocum

ents

from

any

of t

he

follo

win

g pe

ople

? | S

ettle

men

t age

nt

Wav

es 1

– 2

1 1

= Ye

s 2

= N

o

174

X50C

W

aves

19

– 21

Q

51: D

id y

ou s

eek

inpu

t abo

ut y

our c

losi

ng d

ocum

ents

from

any

of t

he

follo

win

g pe

ople

? | R

eal e

stat

e ag

ent

Wav

es 1

1 –

18

Q50

: Did

you

see

k in

put a

bout

you

r clo

sing

doc

umen

ts fr

om a

ny o

f the

fo

llow

ing

peop

le?

| Rea

l est

ate

agen

t W

aves

7 –

10

Q51

: Did

you

see

k in

put a

bout

you

r clo

sing

doc

umen

ts fr

om a

ny o

f the

fo

llow

ing

peop

le?

| Rea

l est

ate

agen

t W

aves

1 –

6

Q44

: Did

you

see

k in

put a

bout

you

r clo

sing

doc

umen

ts fr

om a

ny o

f the

fo

llow

ing

peop

le?

| Rea

l est

ate

agen

t

Wav

es 1

– 2

1 1

= Ye

s 2

= N

o


56

Col

Va

riabl

e N

ame

(con

ditio

n, if

app

licab

le)

Que

stio

n R

espo

nses

175

X50D

W

aves

19

– 21

Q

51: D

id y

ou s

eek

inpu

t abo

ut y

our c

losi

ng d

ocum

ents

from

any

of t

he

follo

win

g pe

ople

? | P

erso

nal a

ttorn

ey

Wav

es 1

1 –

18

Q50

: Did

you

see

k in

put a

bout

you

r clo

sing

doc

umen

ts fr

om a

ny o

f the

fo

llow

ing

peop

le?

| Per

sona

l atto

rney

W

aves

7 –

10

Q51

: Did

you

see

k in

put a

bout

you

r clo

sing

doc

umen

ts fr

om a

ny o

f the

fo

llow

ing

peop

le?

| Per

sona

l atto

rney

W

aves

1 –

6

Q44

: Did

you

see

k in

put a

bout

you

r clo

sing

doc

umen

ts fr

om a

ny o

f the

fo

llow

ing

peop

le?

| Atto

rney

Wav

es 1

– 2

1 1

= Ye

s 2

= N

o

176

X50E

W

aves

19

– 21

Q

51: D

id y

ou s

eek

inpu

t abo

ut y

our c

losi

ng d

ocum

ents

from

any

of t

he

follo

win

g pe

ople

? | T

itle

insu

ranc

e ag

ent

Wav

es 1

5 –

18

Q50

: Did

you

see

k in

put a

bout

you

r clo

sing

doc

umen

ts fr

om a

ny o

f the

fo

llow

ing

peop

le?

| Titl

e in

sura

nce

agen

t W

aves

11

– 14

Q

50: D

id y

ou s

eek

inpu

t abo

ut y

our c

losi

ng d

ocum

ents

from

any

of t

he

follo

win

g pe

ople

? | T

itle

agen

t W

aves

7 –

10

Q51

: Did

you

see

k in

put a

bout

you

r clo

sing

doc

umen

ts fr

om a

ny o

f the

fo

llow

ing

peop

le?

| Titl

e ag

ent

Wav

es 1

– 6

Q

44: D

id y

ou s

eek

inpu

t abo

ut y

our c

losi

ng d

ocum

ents

from

any

of t

he

follo

win

g pe

ople

? | T

itle

agen

t

Wav

es 1

– 2

1 1

= Ye

s 2

= N

o

177

X50F

W

aves

19

– 21

Q

51: D

id y

ou s

eek

inpu

t abo

ut y

our c

losi

ng d

ocum

ents

from

any

of t

he

follo

win

g pe

ople

? | T

rust

ed fr

iend

or r

elat

ive

who

is n

ot a

co-

sign

er

on th

e m

ortg

age

Wav

es 1

1 –

18

Q50

: Did

you

see

k in

put a

bout

you

r clo

sing

doc

umen

ts fr

om a

ny o

f the

fo

llow

ing

peop

le?

| Tru

sted

frie

nd o

r rel

ativ

e w

ho is

not

a c

o-si

gner

on

the

mor

tgag

e

(con

tinue

d on

the

next

pag

e)

Wav

es 1

– 2

1 1

= Ye

s 2

= N

o


57

Col

Va

riabl

e N

ame

(con

ditio

n, if

app

licab

le)

Que

stio

n R

espo

nses

Wav

es 7

– 1

0 Q

51: D

id y

ou s

eek

inpu

t abo

ut y

our c

losi

ng d

ocum

ents

from

any

of t

he

follo

win

g pe

ople

? | T

rust

ed fr

iend

or r

elat

ive

who

is n

ot a

co-

sign

er

on th

e m

ortg

age

Wav

es 1

– 6

Q

44: D

id y

ou s

eek

inpu

t abo

ut y

our c

losi

ng d

ocum

ents

from

any

of t

he

follo

win

g pe

ople

? | T

rust

ed fr

iend

or r

elat

ive

who

is n

ot a

co-

sign

er

on th

e m

ortg

age

178

X50G

W

aves

19

– 21

Q

51: D

id y

ou s

eek

inpu

t abo

ut y

our c

losi

ng d

ocum

ents

from

any

of t

he

follo

win

g pe

ople

? | H

ousi

ng c

ouns

elor

W

aves

11

– 18

Q

50: D

id y

ou s

eek

inpu

t abo

ut y

our c

losi

ng d

ocum

ents

from

any

of t

he

follo

win

g pe

ople

? | H

ousi

ng c

ouns

elor

W

aves

7 –

10

Q51

: Did

you

see

k in

put a

bout

you

r clo

sing

doc

umen

ts fr

om a

ny o

f the

fo

llow

ing

peop

le?

| Hou

sing

cou

nsel

or

Wav

es 1

– 6

Q

44: D

id y

ou s

eek

inpu

t abo

ut y

our c

losi

ng d

ocum

ents

from

any

of t

he

follo

win

g pe

ople

? | H

ousi

ng c

ouns

elor

Wav

es 1

– 2

1 1

= Ye

s 2

= N

o

179

X51A

W

aves

19

– 21

Q

47: A

t any

tim

e af

ter y

ou m

ade

your

fina

l loa

n ap

plic

atio

n di

d an

y of

the

follo

win

g ch

ange

? | M

onth

ly p

aym

ent

Wav

es 1

1 –

18

Q51

: At a

ny ti

me

afte

r you

mad

e yo

ur fi

nal l

oan

appl

icat

ion

did

any

of th

e fo

llow

ing

chan

ge?

| Mon

thly

pay

men

t W

aves

1 –

10

Que

stio

n no

t ask

ed

Wav

es 1

1 –

21

1 =

Hig

her

2 =

Sam

e 3

= Lo

wer

W

aves

1 –

10

-3 =

Not

app

licab

le fo

r thi

s w

ave

180

X51B

W

aves

19

– 21

Q

47: A

t any

tim

e af

ter y

ou m

ade

your

fina

l loa

n ap

plic

atio

n di

d an

y of

the

follo

win

g ch

ange

? | I

nter

est r

ate

Wav

es 1

1 –

18

Q51

: At a

ny ti

me

afte

r you

mad

e yo

ur fi

nal l

oan

appl

icat

ion

did

any

of th

e fo

llow

ing

chan

ge?

| Int

eres

t rat

e W

aves

1 –

10

Que

stio

n no

t ask

ed

Wav

es 1

1 –

21

1 =

Hig

her

2 =

Sam

e 3

= Lo

wer

W

aves

1 –

10

-3 =

Not

app

licab

le fo

r thi

s w

ave


58

Col

Va

riabl

e N

ame

(con

ditio

n, if

app

licab

le)

Que

stio

n R

espo

nses

181

X51C

W

aves

19

– 21

Q

47: A

t any

tim

e af

ter y

ou m

ade

your

fina

l loa

n ap

plic

atio

n di

d an

y of

the

follo

win

g ch

ange

? | O

ther

fees

W

aves

11

– 18

Q

51: A

t any

tim

e af

ter y

ou m

ade

your

fina

l loa

n ap

plic

atio

n di

d an

y of

the

follo

win

g ch

ange

? | O

ther

fees

W

aves

1 –

10

Que

stio

n no

t ask

ed

Wav

es 1

1 –

21

1 =

Hig

her

2 =

Sam

e 3

= Lo

wer

W

aves

1 –

10

-3 =

Not

app

licab

le fo

r thi

s w

ave

182

X51D

W

aves

19

– 21

Q

47: A

t any

tim

e af

ter y

ou m

ade

your

fina

l loa

n ap

plic

atio

n di

d an

y of

the

follo

win

g ch

ange

? | A

mou

nt o

f mon

ey n

eede

d to

clo

se lo

an

Wav

es 1

1 –

18

Q51

: At a

ny ti

me

afte

r you

mad

e yo

ur fi

nal l

oan

appl

icat

ion

did

any

of th

e fo

llow

ing

chan

ge?

| Am

ount

of m

oney

nee

ded

to c

lose

loan

W

aves

1 –

10

Que

stio

n no

t ask

ed

Wav

es 1

1 –

21

1 =

Hig

her

2 =

Sam

e 3

= Lo

wer

W

aves

1 –

10

-3 =

Not

app

licab

le fo

r thi

s w

ave

183

R52

Pl

ease

use

this

var

iabl

e w

ith c

autio

n. T

he “

R”

pref

ix in

dica

tes

that

th

is q

uest

ion

was

retir

ed in

201

8 Q

uart

er 3

(Wav

e 19

). W

aves

19

– 21

Q

uest

ion

not a

sked

W

aves

15

– 18

Q

52: D

id y

ou fa

ce a

ny u

nple

asan

t “su

rpris

es” a

t you

r loa

n cl

osin

g?

Wav

es 7

– 1

4 Q

52: D

id y

ou fa

ce a

ny u

nple

asan

t “su

rpris

es” a

t you

r loa

n cl

osin

g?

Wav

es 1

– 6

Q

45: D

id y

ou fa

ce a

ny u

nple

asan

t “su

rpris

es” a

t you

r loa

n cl

osin

g?

Wav

es 1

9 –

21

-3 =

Not

app

licab

le fo

r thi

s w

ave

Wav

es 1

– 1

8 1

= Ye

s 2

= N

o

184

X53A

(W

aves

1-1

8: w

hen

R52

=

1)

Wav

es 1

9 –

21

Q52

: Did

you

face

any

of t

he fo

llow

ing

at y

our l

oan

clos

ing?

| Lo

an

docu

men

ts n

ot re

ady

at c

losi

ng

Wav

es 1

5 –

18

Q53

: Wha

t unp

leas

ant s

urpr

ises

did

you

face

at y

our l

oan

clos

ing?

| Lo

an d

ocum

ents

not

read

y W

aves

11

– 14

Q

53: W

hat u

nple

asan

t sur

pris

es d

id y

ou fa

ce?

| Loa

n do

cum

ents

not

re

ady

Wav

es 1

– 1

0 Q

uest

ion

not a

sked

Wav

es 1

1 –

21

1 =

Yes

2 =

No

-2 =

Not

app

licab

le (w

hen

R52

=

2, w

aves

11-

18 o

nly)

W

aves

1 –

10

-3 =

Not

app

licab

le fo

r thi

s w

ave


59

Col

Va

riabl

e N

ame

(con

ditio

n, if

app

licab

le)

Que

stio

n R

espo

nses

185

X53B

(W

aves

1-1

8: w

hen

R52

=

1)

Wav

es 1

9 –

21

Q52

: Did

you

face

any

of t

he fo

llow

ing

at y

our l

oan

clos

ing?

| C

losi

ng d

id

not o

ccur

as

orig

inal

ly s

ched

uled

W

aves

15

– 18

Q

53: W

hat u

nple

asan

t sur

pris

es d

id y

ou fa

ce a

t you

r loa

n cl

osin

g? |

Clo

sing

did

not

occ

ur a

s or

igin

ally

sch

edul

ed

Wav

es 1

1 –

14

Q53

: Wha

t unp

leas

ant s

urpr

ises

did

you

face

? | C

losi

ng d

id n

ot o

ccur

as

orig

inal

ly s

ched

uled

W

aves

1 –

10

Que

stio

n no

t ask

ed

Wav

es 1

1 –

21

1 =

Yes

2 =

No

-2 =

Not

app

licab

le (w

hen

R52

=

2, w

aves

11-

18 o

nly)

W

aves

1 –

10

-3 =

Not

app

licab

le fo

r thi

s w

ave

186

X53C

(W

aves

1-1

8: w

hen

R52

=

1)

Wav

es 1

9 –

21

Q52

: Did

you

face

any

of t

he fo

llow

ing

at y

our l

oan

clos

ing?

| Th

ree

day

rule

requ

ired

re-d

iscl

osur

e W

aves

15

– 18

Q

53: W

hat u

nple

asan

t sur

pris

es d

id y

ou fa

ce a

t you

r loa

n cl

osin

g? |

Thre

e da

y ru

le re

quire

d re

-dis

clos

ure

Wav

es 1

1 –

14

Q53

: Wha

t unp

leas

ant s

urpr

ises

did

you

face

? | T

hree

day

rule

requ

ired

re- d

iscl

osur

e W

aves

1 –

10

Que

stio

n no

t ask

ed

Wav

es 1

1 –

21

1 =

Yes

2 =

No

-2 =

Not

app

licab

le (w

hen

R52

=

2, w

aves

11-

18 o

nly)

W

aves

1 –

10

-3 =

Not

app

licab

le fo

r thi

s w

ave

187

X53D

(W

aves

1-1

8: w

hen

R52

=

1)

Wav

es 1

9 –

21

Q52

: Did

you

face

any

of t

he fo

llow

ing

at y

our l

oan

clos

ing?

| M

ortg

age

term

s di

ffere

nt a

t clo

sing

than

exp

ecte

d, e

.g. i

nter

est r

ate,

mon

thly

pa

ymen

t W

aves

15

– 18

Q

53: W

hat u

nple

asan

t sur

pris

es d

id y

ou fa

ce a

t you

r loa

n cl

osin

g? |

Mor

tgag

e te

rms

diffe

rent

at c

losi

ng e

.g. i

nter

est r

ate,

mon

thly

pa

ymen

t W

aves

11

– 14

Q

53: W

hat u

nple

asan

t sur

pris

es d

id y

ou fa

ce?

| Mor

tgag

e te

rms

diffe

rent

at

clo

sing

e.g

. int

eres

t rat

e, m

onth

ly p

aym

ent

Wav

es 1

– 1

0 Q

uest

ion

brok

en u

p (s

ee X

53D

1_1,

X53

D2_

1, a

nd X

53D

3_1)

Wav

es 1

1 –

21

1 =

Yes

2 =

No

-2 =

Not

app

licab

le (w

hen

R52

=

2, w

aves

11-

18 o

nly)

W

aves

1 –

10

-3 =

Not

app

licab

le fo

r thi

s w

ave

188

X53D

1_1

(Wav

es 1

-18:

whe

n R

52

= 1)

Wav

es 1

1 –

21

Que

stio

n co

mbi

ned

with

X53

D2_

1 an

d X5

3D3_

1 (s

ee X

53D

) (c

ontin

ued

on th

e ne

xt p

age)

Wav

es 1

1 –

21

-3 =

Not

app

licab

le fo

r thi

s w

ave


60

Col

Va

riabl

e N

ame

(con

ditio

n, if

app

licab

le)

Que

stio

n R

espo

nses

Wav

es 7

– 1

0 Q

53: W

hat u

nple

asan

t sur

pris

es d

id y

ou fa

ce?

| Diff

eren

t loa

n te

rms

Wav

es 1

– 6

Q

46: (

If Y

es to

Q45

) Wha

t unp

leas

ant s

urpr

ises

did

you

face

? | D

iffer

ent

loan

term

s

Wav

es 1

– 1

0 1

= Ye

s 2

= N

o -2

= N

ot a

pplic

able

(whe

n R

52 =

2,

wav

es 1

-10

only

) 18

9 X5

3D2_

1 (W

aves

1-1

8: w

hen

R52

=

1)

Wav

es 1

1 –

21

Que

stio

n co

mbi

ned

with

X53

D1_

1 an

d X5

3D3_

1 (s

ee X

53D

) W

aves

7 –

10

Q53

: Wha

t unp

leas

ant s

urpr

ises

did

you

face

? | H

ighe

r mon

thly

pay

men

t W

aves

1 –

6

Q46

: (If

Yes

to Q

45) W

hat u

nple

asan

t sur

pris

es d

id y

ou fa

ce?

| Hig

her

mon

thly

pay

men

t

Wav

es 1

1 –

21

-3 =

Not

app

licab

le fo

r thi

s w

ave

Wav

es 1

– 1

0 1

= Ye

s 2

= N

o -2

= N

ot a

pplic

able

(whe

n R

52 =

2,

wav

es 1

-10

only

) 19

0 X5

3D3_

1 (W

aves

1-1

8: w

hen

R52

=

1)

Wav

es 1

1 –

21

Que

stio

n co

mbi

ned

with

X53

D1_

1 an

d X5

3D2_

1 (s

ee X

53D

) W

aves

7 –

10

Q53

: Wha

t unp

leas

ant s

urpr

ises

did

you

face

? | H

ighe

r int

eres

t rat

e W

aves

1 –

6

Q46

: (If

Yes

to Q

45) W

hat u

nple

asan

t sur

pris

es d

id y

ou fa

ce?

| Hig

her

inte

rest

rate

Wav

es 1

1 –

21

-3 =

Not

app

licab

le fo

r thi

s w

ave

Wav

es 1

– 1

0 1

= Ye

s 2

= N

o -2

= N

ot a

pplic

able

(whe

n R

52 =

2,

wav

es 1

-10

only

) 19

1 X5

3E

(Wav

es 1

-18:

whe

n R

52

= 1)

Wav

es 1

9 –

21

Q52

: Did

you

face

any

of t

he fo

llow

ing

at y

our l

oan

clos

ing?

| M

ore

cash

ne

eded

at c

losi

ng th

an e

xpec

ted,

e.g

. esc

row

, une

xpec

ted

fees

W

aves

15

– 18

Q

53: W

hat u

nple

asan

t sur

pris

es d

id y

ou fa

ce a

t you

r loa

n cl

osin

g? |

Mor

e ca

sh n

eede

d at

clo

sing

e.g

. esc

row

, une

xpec

ted

fees

W

aves

11

– 14

Q

53: W

hat u

nple

asan

t sur

pris

es d

id y

ou fa

ce?

| Mor

e ca

sh n

eede

d at

cl

osin

g e.

g. e

scro

w, u

nexp

ecte

d fe

es

Wav

es 1

– 1

0 Q

uest

ion

brok

en u

p (s

ee X

53E1

_1 a

nd X

53E2

_1)

Wav

es 1

1 –

21

1 =

Yes

2 =

No

-2 =

Not

app

licab

le (w

hen

R52

=

2, w

aves

11-

18 o

nly)

W

aves

1 –

10

-3 =

Not

app

licab

le fo

r thi

s w

ave

192

X53E

1_1

(Wav

es 1

-18:

whe

n R

52

= 1)

Wav

es 1

1 –

21

Que

stio

n co

mbi

ned

with

X53

E2_1

(see

X53

E)

Wav

es 7

– 1

0 Q

53: W

hat u

nple

asan

t sur

pris

es d

id y

ou fa

ce?

| Une

xpec

ted

fees

W

aves

1 –

6

Q46

: (If

Yes

to Q

45) W

hat u

nple

asan

t sur

pris

es d

id y

ou fa

ce?

| U

nexp

ecte

d fe

es

Wav

es 1

1 –

21

-3 =

Not

app

licab

le fo

r thi

s w

ave

Wav

es 1

– 1

0 1

= Ye

s 2

= N

o -2

= N

ot a

pplic

able

(whe

n R

52 =

2,

wav

es 1

-10

only

)


61

Col

Va

riabl

e N

ame

(con

ditio

n, if

app

licab

le)

Que

stio

n R

espo

nses

193

X53E

2_1

(Wav

es 1

-18:

whe

n R

52

= 1)

Wav

es 1

1 –

21

Que

stio

n co

mbi

ned

with

X53

E1_1

(see

X53

E)

Wav

es 7

– 1

0 Q

53: W

hat u

nple

asan

t sur

pris

es d

id y

ou fa

ce?

| Hig

her a

mou

nt o

f mon

ey

need

ed a

t clo

sing

W

aves

1 –

6

Q46

: (If

Yes

to Q

45) W

hat u

nple

asan

t sur

pris

es d

id y

ou fa

ce?

| Hig

her

amou

nt o

f mon

ey n

eede

d at

clo

sing

Wav

es 1

1 –

21

-3 =

Not

app

licab

le fo

r thi

s w

ave

Wav

es 1

– 1

0 1

= Ye

s 2

= N

o -2

= N

ot a

pplic

able

(whe

n R

52 =

2,

wav

es 1

-10

only

)

194

X53F

(W

aves

1-1

8: w

hen

R52

=

1)

Wav

es 1

9 –

21

Q52

: Did

you

face

any

of t

he fo

llow

ing

at y

our l

oan

clos

ing?

| As

ked

to

sign

bla

nk d

ocum

ents

at c

losi

ng

Wav

es 1

5 –

18

Q53

: Wha

t unp

leas

ant s

urpr

ises

did

you

face

at y

our l

oan

clos

ing?

| As

ked

to s

ign

blan

k do

cum

ents

W

aves

7 –

14

Q53

: Wha

t unp

leas

ant s

urpr

ises

did

you

face

? | A

sked

to s

ign

blan

k do

cum

ents

W

aves

1 –

6

Q46

: (If

Yes

to Q

45) W

hat u

nple

asan

t sur

pris

es d

id y

ou fa

ce?

| Ask

ed to

si

gn b

lank

doc

umen

ts

Wav

es 1

– 2

1 1

= Ye

s 2

= N

o -2

= N

ot a

pplic

able

(whe

n R

52 =

2,

wav

es 1

-18

only

)

195

X53G

(W

aves

1-1

8: w

hen

R52

=

1)

Wav

es 1

9 –

21

Q52

: Did

you

face

any

of t

he fo

llow

ing

at y

our l

oan

clos

ing?

| Fe

lt ru

shed

at

clo

sing

or n

ot g

iven

tim

e to

read

doc

umen

ts

Wav

es 1

5 –

18

Q53

: Wha

t unp

leas

ant s

urpr

ises

did

you

face

at y

our l

oan

clos

ing?

| R

ushe

d at

clo

sing

or n

ot g

iven

tim

e to

read

doc

umen

ts

Wav

es 7

– 1

4 Q

53: W

hat u

nple

asan

t sur

pris

es d

id y

ou fa

ce?

| Rus

hed

at c

losi

ng o

r not

gi

ven

time

to re

ad d

ocum

ents

W

aves

1 –

6

Q46

: (If

Yes

to Q

45) W

hat u

nple

asan

t sur

pris

es d

id y

ou fa

ce?

| Rus

hed

at c

losi

ng o

r not

giv

en ti

me

to re

ad d

ocum

ents

Wav

es 1

– 2

1 1

= Ye

s 2

= N

o -2

= N

ot a

pplic

able

(whe

n R

52 =

2,

wav

es 1

-18

only

)

196

X53H

Wav

es 1

9 –

21

Q52

: Did

you

face

any

of t

he fo

llow

ing

at y

our l

oan

clos

ing?

| As

ked

to

sign

pre

-dat

ed o

r pos

t-dat

ed d

ocum

ents

at c

losi

ng

Wav

e 1

– 18

Q

uest

ion

not a

sked

Wav

es 1

9 –

21

1 =

Yes

2 =

No

Wav

es 1

– 1

8 -3

= N

ot a

pplic

able

for t

his

wav

e


62

Col

Va

riabl

e N

ame

(con

ditio

n, if

app

licab

le)

Que

stio

n R

espo

nses

197

X53I

Wav

es 1

9 –

21

Q52

: Did

you

face

any

of t

he fo

llow

ing

at y

our l

oan

clos

ing?

| Le

ss c

ash

need

ed a

t clo

sing

than

exp

ecte

d W

ave

1 –

18

Que

stio

n no

t ask

ed

Wav

es 1

9 –

21

1 =

Yes

2 =

No

Wav

es 1

– 1

8 -3

= N

ot a

pplic

able

for t

his

wav

e 19

8 X5

4 W

aves

7 –

21

Q54

: At t

he s

ame

time

you

took

out

this

mor

tgag

e, d

id y

ou a

lso

take

out

an

othe

r loa

n on

the

prop

erty

you

fina

nced

with

this

mor

tgag

e (a

se

cond

lien

, hom

e eq

uity

loan

, or a

hom

e eq

uity

line

of c

redi

t (H

ELO

C))?

W

aves

4 –

6

Q47

: At t

he s

ame

time

you

took

out

you

r mor

tgag

e, d

id y

ou a

lso

take

out

an

othe

r lo

an o

n yo

ur p

rope

rty (

a se

cond

lien

, ho

me

equi

ty lo

an, o

r ho

me

equi

ty li

ne o

f cre

dit (

HE

LOC

))?

Wav

es 1

– 3

Q

47: A

t the

sam

e tim

e yo

u to

ok o

ut y

our m

ortg

age,

did

you

als

o ta

ke o

ut

anot

her l

oan

on y

our p

rope

rty (a

sec

ond

lien,

hom

e eq

uity

loan

, or

hom

e eq

uity

line

of c

redi

t - H

ELO

C)?

Wav

es 1

– 2

1 1

= Ye

s 2

= N

o

199

Z55

(whe

n X5

4 =

1)

Wav

es 7

– 2

1 Q

55: W

hat w

as th

e am

ount

of t

his

loan

? (In

dica

tor)

W

aves

1 –

6

Q48

: (If

Yes

to Q

47) W

hat w

as th

e am

ount

of t

his

loan

? (In

dica

tor)

Wav

es 1

– 2

1 1

= Q

uest

ion

not a

nsw

ered

2

= Q

uest

ion

answ

ered

-2

= N

ot a

pplic

able

(X55

> 1

) 20

0 X5

6A

Wav

es 7

– 2

1 Q

56: H

ow w

ell c

ould

you

exp

lain

to s

omeo

ne th

e… |

Proc

ess

of ta

king

ou

t a m

ortg

age

Wav

es 1

– 6

Q

49: H

ow w

ell c

ould

you

exp

lain

to s

omeo

ne th

e… |

Proc

ess

of ta

king

ou

t a m

ortg

age

Wav

es 1

– 2

1 1

= Ve

ry

2 =

Som

ewha

t 3

= N

ot A

t All

201

X56B

W

aves

7 –

21

Q56

: How

wel

l cou

ld y

ou e

xpla

in to

som

eone

the…

| D

iffer

ence

bet

wee

n a

fixed

- and

an

adju

stab

le-r

ate

mor

tgag

e W

aves

1 –

6

Q49

: How

wel

l cou

ld y

ou e

xpla

in to

som

eone

the…

| D

iffer

ence

bet

wee

n a

fixed

- and

an

adju

stab

le-r

ate

mor

tgag

e

Wav

es 1

– 2

1 1

= Ve

ry

2 =

Som

ewha

t 3

= N

ot A

t All

202

X56C

W

aves

7 –

21

Q56

: How

wel

l cou

ld y

ou e

xpla

in to

som

eone

the…

| D

iffer

ence

bet

wee

n a

prim

e an

d su

bprim

e lo

an

(con

tinue

d on

the

next

pag

e)

Wav

es 1

– 2

1 1

= Ve

ry

2 =

Som

ewha

t 3

= N

ot A

t All


63

Col

Va

riabl

e N

ame

(con

ditio

n, if

app

licab

le)

Que

stio

n R

espo

nses

Wav

es 1

– 6

Q

49: H

ow w

ell c

ould

you

exp

lain

to s

omeo

ne th

e… |

Diff

eren

ce b

etw

een

a pr

ime

and

subp

rime

loan

20

3 X5

6D

Wav

es 7

– 2

1 Q

56: H

ow w

ell c

ould

you

exp

lain

to s

omeo

ne th

e… |

Diff

eren

ce b

etw

een

a m

ortg

age’

s in

tere

st ra

te a

nd it

s AP

R

Wav

es 1

– 6

Q

49: H

ow w

ell c

ould

you

exp

lain

to s

omeo

ne th

e… |

Diff

eren

ce b

etw

een

a m

ortg

age’

s in

tere

st ra

te a

nd it

s AP

R

Wav

es 1

– 2

1 1

= Ve

ry

2 =

Som

ewha

t 3

= N

ot A

t All

204

X56E

W

aves

7 –

21

Q56

: How

wel

l cou

ld y

ou e

xpla

in to

som

eone

the…

| Am

ortiz

atio

n of

a

loan

W

aves

1 –

6

Q49

: How

wel

l cou

ld y

ou e

xpla

in to

som

eone

the…

| Am

ortiz

atio

n of

a

loan

Wav

es 1

– 2

1 1

= Ve

ry

2 =

Som

ewha

t 3

= N

ot A

t All

205

X56F

W

aves

7 –

21

Q56

: How

wel

l cou

ld y

ou e

xpla

in to

som

eone

the…

| C

onse

quen

ces

of

not m

akin

g re

quire

d m

ortg

age

paym

ents

W

aves

1 –

6

Q49

: How

wel

l cou

ld y

ou e

xpla

in to

som

eone

the…

| C

onse

quen

ces

of

not m

akin

g re

quire

d m

ortg

age

paym

ents

Wav

es 1

– 2

1 1

= Ve

ry

2 =

Som

ewha

t 3

= N

ot A

t All

206

X56G

W

aves

7 –

21

Q56

: How

wel

l cou

ld y

ou e

xpla

in to

som

eone

the…

| D

iffer

ence

bet

wee

n le

nder

’s a

nd o

wne

r’s ti

tle in

sura

nce

Wav

es 1

– 6

Q

uest

ion

not a

sked

Wav

es 7

– 2

1 1

= Ve

ry

2 =

Som

ewha

t 3

= N

ot A

t All

Wav

es 1

– 6

-3

= N

ot a

pplic

able

for t

his

wav

e 20

7 X5

6H

Wav

es 1

1 –

21

Q56

: How

wel

l cou

ld y

ou e

xpla

in to

som

eone

the…

| R

elat

ions

hip

betw

een

disc

ount

poi

nts

and

inte

rest

rate

W

aves

1 –

10

Que

stio

n no

t ask

ed

Wav

es 1

1 –

21

1 =

Very

2

= So

mew

hat

3 =

Not

At A

ll W

aves

1 –

10

-3 =

Not

app

licab

le fo

r thi

s w

ave

208

X56I

W

aves

11

– 21

Q

56: H

ow w

ell c

ould

you

exp

lain

to s

omeo

ne th

e… |

Rea

son

paym

ents

in

to a

n es

crow

acc

ount

can

cha

nge

(c

ontin

ued

on th

e ne

xt p

age)

Wav

es 1

1 –

21

1 =

Very

2

= So

mew

hat

3 =

Not

At A

ll


64

Col

Va

riabl

e N

ame

(con

ditio

n, if

app

licab

le)

Que

stio

n R

espo

nses

Wav

es 1

– 1

0 Q

uest

ion

not a

sked

W

aves

1 –

10

-3

= N

ot a

pplic

able

for t

his

wav

e 20

9 Z5

7 W

aves

15

– 21

Q

57: W

hen

did

you

first

bec

ome

the

owne

r of t

his

prop

erty

? (In

dica

tor)

W

aves

11

– 14

Q

57: W

hen

did

you

buy

or g

et th

is p

rope

rty?

If yo

u re

finan

ced,

the

date

yo

u or

igin

ally

bou

ght o

r got

this

pro

perty

? (In

dica

tor)

W

aves

7 –

10

Q57

: Whe

n di

d yo

u bu

y or

acq

uire

this

pro

perty

? If

you

refin

ance

d, th

e da

te y

ou o

rigin

ally

acq

uire

d th

e pr

oper

ty?

(Indi

cato

r)

Wav

es 1

– 6

Q

60: W

hen

did

you

buy

or a

cqui

re y

our p

rope

rty?

(Indi

cato

r)

Wav

es 1

– 2

1 1

= Q

uest

ion

not a

nsw

ered

2

= Q

uest

ion

answ

ered

210

Z58

Wav

es 7

– 2

1 Q

58: W

hat w

as th

e pu

rcha

se p

rice

of th

is p

rope

rty, o

r if y

ou b

uilt

it, th

e co

nstru

ctio

n an

d la

nd c

ost?

(Ind

icat

or)

Wav

es 1

– 6

Q

61: W

hat w

as th

e pu

rcha

se p

rice

of y

our p

rope

rty, o

r if y

ou b

uilt

it, th

e co

nstru

ctio

n an

d la

nd c

ost?

(Ind

icat

or)

Wav

es 1

– 2

1 1

= Q

uest

ion

not a

nsw

ered

2

= Q

uest

ion

answ

ered

211

X59

Wav

es 1

5 –

21

Q59

: Whi

ch o

ne o

f the

follo

win

g be

st d

escr

ibes

how

you

acq

uire

d th

is

prop

erty

? W

aves

11

– 14

Q

59: H

ow d

id y

ou a

cqui

re th

is p

rope

rty?

Mar

k on

e an

swer

. W

aves

7 –

10

Q59

: How

did

you

acq

uire

this

pro

perty

? M

ark

one

answ

er.

Wav

es 1

– 6

Q

62: H

ow d

id y

ou a

cqui

re th

e pr

oper

ty?

Mar

k on

e an

swer

.

(con

tinue

d on

the

next

pag

e)

Wav

es 7

– 2

1 1

= Pu

rcha

sed

an e

xist

ing

hom

e 2

= Pu

rcha

sed

a ne

wly

-bui

lt ho

me

from

a b

uild

er

3 =

Had

or p

urch

ased

land

and

bu

ilt a

hou

se

4 =

Rec

eive

d as

a g

ift o

r in

herit

ance

5

= Pu

rcha

se fr

om re

lativ

e (w

rite-

in)

6 =

Boug

ht o

ut c

o-ow

ner (

e.g.

, ex-

spou

se) (

writ

e-in

) 7

= R

enta

l con

vers

ion/

land

co

ntra

ct (w

rite-

in)

8 =

Tax-

free

trade

or e

xcha

nge

(writ

e-in

) 9

= Pu

rcha

sed

a fo

recl

osed

pr

oper

ty fr

om a

ban

k,

inve

stor

, or g

over

nmen

t ag

ency

(writ

e-in

/impu

ted)


65

Col

Va

riabl

e N

ame

(con

ditio

n, if

app

licab

le)

Que

stio

n R

espo

nses

10 =

Pur

chas

ed a

“sho

rt sa

le”

prop

erty

from

the

prev

ious

ow

ner (

writ

e-in

/impu

ted)

W

aves

1 –

6

1 =

Purc

hase

d an

exi

stin

g ho

me

in a

sta

ndar

d sa

le fr

om th

e pr

evio

us o

wne

r 2

= Pu

rcha

sed

a ne

wly

-bui

lt ho

me

from

a b

uild

er

3 =

Purc

hase

d la

nd a

nd b

uilt

a ho

use

4 =

Rec

eive

d as

a g

ift o

r in

herit

ance

5

= Pu

rcha

se fr

om re

lativ

e (w

rite-

in)

6 =

Boug

ht o

ut c

o-ow

ner (

e.g.

, ex-

spou

se) (

writ

e-in

) 7

= R

enta

l con

vers

ion/

land

co

ntra

ct (w

rite-

in)

8 =

Tax-

free

trade

or e

xcha

nge

(writ

e-in

) 9

= Pu

rcha

sed

a fo

recl

osed

pr

oper

ty fr

om a

ban

k,

inve

stor

, or g

over

nmen

t ag

ency

10

= P

urch

ased

a “s

hort

sale

” pr

oper

ty fr

om th

e pr

evio

us

owne

r


66

Col

Va

riabl

e N

ame

(con

ditio

n, if

app

licab

le)

Que

stio

n R

espo

nses

212

X60

Wav

es 1

5 –

21

Q60

: Whi

ch o

ne o

f the

follo

win

g be

st d

escr

ibes

this

pro

perty

? W

aves

11

– 14

Q

60: W

hich

of t

he fo

llow

ing

best

des

crib

es th

is p

rope

rty?

Mar

k on

e an

swer

. W

aves

7 –

10

Q60

: Wha

t typ

e of

hou

se is

on

this

pro

perty

? M

ark

one

answ

er.

Wav

es 1

– 6

Q

63: W

hat t

ype

of h

ouse

is o

n yo

ur p

rope

rty?

Mar

k on

e an

swer

.

Wav

es 1

1 –

21

1 =

Sing

le-fa

mily

det

ache

d ho

use

2 =

Mob

ile h

ome

or m

anuf

actu

red

hom

e

3 =

Tow

nhou

se, r

ow h

ouse

, or

villa

4

= 2-

unit,

3-u

nit,

or 4

-uni

t dw

ellin

g 5

= Ap

artm

ent (

or c

ondo

/co-

op) i

n an

apa

rtmen

t bui

ldin

g 6

= U

nit i

n a

partl

y co

mm

erci

al

stru

ctur

e

7 =

Land

onl

y (w

rite-

in)

Wav

es 1

– 1

0 1

= Si

ngle

-fam

ily d

etac

hed

hous

e 2

= M

obile

hom

e or

man

ufac

ture

d ho

me

3

= To

wnh

ouse

, row

hou

se, o

r vi

lla

4 =

2-un

it, 3

-uni

t, or

4-u

nit

dwel

ling

5 =

Con

do, a

partm

ent h

ouse

, or

co-o

p

6 =

Uni

t in

a pa

rtly

com

mer

cial

st

ruct

ure

7

= La

nd o

nly

(writ

e-in

)

213

X61

(whe

n X6

0 =

3, 4

, 5

or 6

)

Wav

es 7

– 2

1 Q

61: D

oes

this

mor

tgag

e co

ver m

ore

than

one

uni

t?

Wav

es 1

– 6

Q

uest

ion

not a

sked

In

con

trast

to W

aves

10

to 1

5, th

is q

uest

ion

was

not

ask

ed o

f res

pond

ents

in

a “

tow

nhou

se,

row

hou

se,

or v

illa”

(val

ue o

f ‘3

’) in

Wav

es 7

to

9.

Ther

efor

e, th

eir r

espo

nses

wer

e im

pute

d.

Wav

es 7

– 2

1 1

= Ye

s 2

= N

o -2

= N

ot a

pplic

able

(X60

= 1

, 2 o

r 7)

W

aves

1 –

6

-3 =

Not

app

licab

le fo

r thi

s w

ave


67

Col

Va

riabl

e N

ame

(con

ditio

n, if

app

licab

le)

Que

stio

n R

espo

nses

214

Z62

Wav

es 7

– 2

1 Q

62: A

bout

how

muc

h do

you

thin

k th

is p

rope

rty is

wor

th in

term

s of

w

hat y

ou c

ould

sel

l it f

or n

ow?

(Indi

cato

r)

Wav

es 1

– 6

Q

65: A

bout

how

muc

h do

you

thin

k yo

ur p

rope

rty is

wor

th in

term

s of

w

hat y

ou c

ould

sel

l it f

or n

ow?

(Indi

cato

r)

Wav

es 1

– 2

1 1

= Q

uest

ion

not a

nsw

ered

2

= Q

uest

ion

answ

ered

215

X63

Wav

es 7

– 2

1 Q

63: D

o yo

u re

nt o

ut a

ll or

any

por

tion

of th

is p

rope

rty?

Wav

es 1

– 6

Q

66: D

o yo

u re

nt o

ut a

ny p

ortio

n of

you

r pro

perty

?

Wav

es 1

– 2

1 1

= Ye

s 2

= N

o

216

Z64

(whe

n X6

3 =

1)

Wav

es 7

– 2

1 Q

64: H

ow m

uch

rent

do

you

rece

ive

annu

ally

? (In

dica

tor)

W

aves

1 –

6

Q67

: (If

Yes

to Q

66) H

ow m

uch

rent

to y

ou re

ceiv

e? (I

ndic

ator

)

Wav

es 1

– 2

1 1

= Q

uest

ion

not a

nsw

ered

2

= Q

uest

ion

answ

ered

-2

= N

ot a

pplic

able

(X63

> 1

) 21

7 X6

5 W

aves

7 –

21

Q65

: Bes

ides

you

, the

mor

tgag

e co

-sig

ners

, and

rent

ers,

doe

s an

yone

el

se h

elp

pay

the

expe

nses

for t

his

prop

erty

? W

aves

1 –

6

Que

stio

n no

t ask

ed

Wav

es 7

– 2

1 1

= Ye

s 2

= N

o W

aves

1 –

6

-3 =

Not

app

licab

le fo

r thi

s w

ave

218

X66

Wav

es 7

– 2

1 Q

66: W

hich

of t

he fo

llow

ing

best

des

crib

es h

ow y

ou u

se th

is p

rope

rty?

Wav

es 1

– 6

Q

68: W

hich

of t

he fo

llow

ing

best

des

crib

es h

ow y

ou u

se th

is p

rope

rty?

Wav

es 1

1 –

21

1 =

Prim

ary

resi

denc

e (w

here

you

sp

end

the

maj

ority

of y

our

time)

2

= It

will

be m

y pr

imar

y re

side

nce

soon

3

= Se

ason

al o

r sec

ond

hom

e 4

= H

ome

for o

ther

rela

tives

5

= R

enta

l or i

nves

tmen

t pro

perty

W

aves

1 –

10

1 =

Prim

ary

resi

denc

e (w

here

you

sp

end

the

maj

ority

of y

our

time)

2

= It

will

be m

y pr

imar

y re

side

nce

soon

3

= Se

ason

al o

r sec

ond

hom

e 4

= H

ome

for o

ther

rela

tives

5

= R

enta

l or i

nves

tor p

rope

rty


68

Col

Va

riabl

e N

ame

(con

ditio

n, if

app

licab

le)

Que

stio

n R

espo

nses

219

Z67

(whe

n X6

6 =

1)

Wav

es 7

– 2

1 Q

67: I

f prim

ary

resi

denc

e, w

hen

did

you

mov

e in

to th

is p

rope

rty?

(Indi

cato

r)

Wav

es 1

– 6

Q

69: (

If pr

imar

y re

side

nce

in Q

68) W

hen

did

you

mov

e in

to th

e pr

oper

ty?

(Indi

cato

r)

Wav

es 1

– 2

1 1

= Q

uest

ion

not a

nsw

ered

2

= Q

uest

ion

answ

ered

-2

= N

ot a

pplic

able

(X66

> 1

)

220

X68A

W

aves

15

– 21

Q

68: I

n th

e la

st c

oupl

e ye

ars,

how

hav

e th

e fo

llow

ing

chan

ged

in th

e ne

ighb

orho

od w

here

this

pro

perty

is lo

cate

d? |

Num

ber o

f hom

es

for s

ale

Wav

es 7

– 1

4 Q

68: I

n th

e la

st c

oupl

e ye

ars,

how

has

the

follo

win

g ch

ange

d in

the

neig

hbor

hood

whe

re th

is p

rope

rty is

loca

ted?

| N

umbe

r of h

omes

fo

r sal

e W

aves

1 –

6

Q94

: In

the

last

cou

ple

year

s, h

ow h

ave

the

follo

win

g ch

ange

d in

you

r ne

ighb

orho

od?

| Num

ber o

f hom

es fo

r sal

e

Wav

es 1

– 2

1 1

= Si

gnifi

cant

Incr

ease

2

= Li

ttle/

No

Cha

nge

3 =

Sign

ifica

nt D

ecre

ase

221

X68B

W

aves

15

– 21

Q

68: I

n th

e la

st c

oupl

e ye

ars,

how

hav

e th

e fo

llow

ing

chan

ged

in th

e ne

ighb

orho

od w

here

this

pro

perty

is lo

cate

d? |

Num

ber o

f vac

ant

hom

es

Wav

es 7

– 1

4 Q

68: I

n th

e la

st c

oupl

e ye

ars,

how

has

the

follo

win

g ch

ange

d in

the

neig

hbor

hood

whe

re th

is p

rope

rty is

loca

ted?

| N

umbe

r of v

acan

t ho

mes

W

aves

1 –

6

Q94

: In

the

last

cou

ple

year

s, h

ow h

ave

the

follo

win

g ch

ange

d in

you

r ne

ighb

orho

od?

| Num

ber o

f vac

ant h

omes

Wav

es 1

– 2

1 1

= Si

gnifi

cant

Incr

ease

2

= Li

ttle/

No

Cha

nge

3 =

Sign

ifica

nt D

ecre

ase

222

X68C

W

aves

15

– 21

Q

68: I

n th

e la

st c

oupl

e ye

ars,

how

hav

e th

e fo

llow

ing

chan

ged

in th

e ne

ighb

orho

od w

here

this

pro

perty

is lo

cate

d? |

Num

ber o

f hom

es

for r

ent

Wav

es 7

– 1

4 Q

68: I

n th

e la

st c

oupl

e ye

ars,

how

has

the

follo

win

g ch

ange

d in

the

neig

hbor

hood

whe

re th

is p

rope

rty is

loca

ted?

| N

umbe

r of h

omes

fo

r ren

t

(con

tinue

d on

the

next

pag

e)

Wav

es 1

– 2

1 1

= Si

gnifi

cant

Incr

ease

2

= Li

ttle/

No

Cha

nge

3 =

Sign

ifica

nt D

ecre

ase


69

Col

Va

riabl

e N

ame

(con

ditio

n, if

app

licab

le)

Que

stio

n R

espo

nses

Wav

es 1

– 6

Q

94: I

n th

e la

st c

oupl

e ye

ars,

how

hav

e th

e fo

llow

ing

chan

ged

in y

our

neig

hbor

hood

? | N

umbe

r of h

omes

for r

ent

223

X68D

W

aves

15

– 21

Q

68: I

n th

e la

st c

oupl

e ye

ars,

how

hav

e th

e fo

llow

ing

chan

ged

in th

e ne

ighb

orho

od w

here

this

pro

perty

is lo

cate

d? |

Num

ber o

f fo

recl

osur

es o

r sho

rt sa

les

Wav

es 7

– 1

4 Q

68: I

n th

e la

st c

oupl

e ye

ars,

how

has

the

follo

win

g ch

ange

d in

the

neig

hbor

hood

whe

re th

is p

rope

rty is

loca

ted?

| N

umbe

r of

fore

clos

ures

or s

hort

sale

s W

aves

1 –

6

Q94

: In

the

last

cou

ple

year

s, h

ow h

ave

the

follo

win

g ch

ange

d in

you

r ne

ighb

orho

od?

| Num

ber o

f for

eclo

sure

s or

sho

rt sa

les

Wav

es 1

– 2

1 1

= Si

gnifi

cant

Incr

ease

2

= Li

ttle/

No

Cha

nge

3 =

Sign

ifica

nt D

ecre

ase

224

X68E

W

aves

15

– 21

Q

68: I

n th

e la

st c

oupl

e ye

ars,

how

hav

e th

e fo

llow

ing

chan

ged

in th

e ne

ighb

orho

od w

here

this

pro

perty

is lo

cate

d? |

Hou

se p

rices

W

aves

7 –

14

Q68

: In

the

last

cou

ple

year

s, h

ow h

as th

e fo

llow

ing

chan

ged

in th

e ne

ighb

orho

od w

here

this

pro

perty

is lo

cate

d? |

Hou

se p

rices

W

aves

1 –

6

Q94

: In

the

last

cou

ple

year

s, h

ow h

ave

the

follo

win

g ch

ange

d in

you

r ne

ighb

orho

od?

| Hou

se p

rices

Wav

es 1

– 2

1 1

= Si

gnifi

cant

Incr

ease

2

= Li

ttle/

No

Cha

nge

3 =

Sign

ifica

nt D

ecre

ase

225

X68F

W

aves

15

– 21

Q

68: I

n th

e la

st c

oupl

e ye

ars,

how

hav

e th

e fo

llow

ing

chan

ged

in th

e ne

ighb

orho

od w

here

this

pro

perty

is lo

cate

d? |

Ove

rall

desi

rabi

lity

of

livin

g th

ere

Wav

es 7

– 1

4 Q

68: I

n th

e la

st c

oupl

e ye

ars,

how

has

the

follo

win

g ch

ange

d in

the

neig

hbor

hood

whe

re th

is p

rope

rty is

loca

ted?

| O

vera

ll de

sira

bilit

y of

liv

ing

ther

e W

aves

1 –

6

Q94

: In

the

last

cou

ple

year

s, h

ow h

ave

the

follo

win

g ch

ange

d in

you

r ne

ighb

orho

od?

| Ove

rall

desi

rabi

lity

of li

ving

ther

e

Wav

es 1

– 2

1 1

= Si

gnifi

cant

Incr

ease

2

= Li

ttle/

No

Cha

nge

3 =

Sign

ifica

nt D

ecre

ase


70

Col

Va

riabl

e N

ame

(con

ditio

n, if

app

licab

le)

Que

stio

n R

espo

nses

226

X69

Wav

es 7

– 2

1 Q

69: W

hat d

o yo

u th

ink

will

happ

en to

the

pric

es o

f hom

es in

this

ne

ighb

orho

od o

ver t

he n

ext c

oupl

e of

yea

rs?

Wav

es 1

– 6

Q

95: W

hat d

o yo

u th

ink

will

happ

en to

the

pric

es o

f hom

es li

ke y

ours

in

your

nei

ghbo

rhoo

d ov

er th

e ne

xt c

oupl

e of

yea

rs?

Wav

es 1

– 2

1 1

= In

crea

se a

lot

2 =

Incr

ease

a li

ttle

3 =

Rem

ain

abou

t the

sam

e

4 =

Dec

reas

e a

little

5

= D

ecre

ase

a lo

t 22

7 X7

0 W

aves

7 –

21

Q70

: In

the

next

cou

ple

of y

ears

, how

do

you

expe

ct th

e ov

eral

l de

sira

bilit

y of

livi

ng in

this

nei

ghbo

rhoo

d to

cha

nge?

W

aves

1 –

6

Q96

: In

the

next

cou

ple

of y

ears

, how

do

you

expe

ct th

e ov

eral

l de

sira

bilit

y of

livi

ng in

you

r nei

ghbo

rhoo

d to

cha

nge?

Wav

es 3

– 2

1 1

= Be

com

e m

ore

desi

rabl

e

2 =

Stay

abo

ut th

e sa

me

3 =

Beco

me

less

des

irabl

e W

aves

1 –

2

1 =

Sign

ifica

nt in

crea

se

2 =

Stay

abo

ut th

e sa

me

3

= Si

gnifi

cant

dec

reas

e 22

8 X7

1A

Wav

es 7

– 2

1 Q

71: H

ow li

kely

is it

that

in th

e ne

xt c

oupl

e of

yea

rs y

ou w

ill… |

Sell

this

pr

oper

ty

Wav

es 1

– 6

Q

98: H

ow li

kely

is it

that

in th

e ne

xt c

oupl

e of

yea

rs y

ou w

ill… |

Mov

e an

d se

ll yo

ur p

rope

rty

Wav

es 1

– 2

1 1

= Ve

ry

2 =

Som

ewha

t 3

= N

ot A

t All

229

X71B

W

aves

7 –

21

Q71

: How

like

ly is

it th

at in

the

next

cou

ple

of y

ears

you

will…

| M

ove

but

keep

this

pro

perty

W

aves

1 –

6

Q98

: How

like

ly is

it th

at in

the

next

cou

ple

of y

ears

you

will…

| M

ove

but

keep

you

r pro

perty

Wav

es 1

– 2

1 1

= Ve

ry

2 =

Som

ewha

t 3

= N

ot A

t All

230

X71C

W

aves

7 –

21

Q71

: How

like

ly is

it th

at in

the

next

cou

ple

of y

ears

you

will…

| R

efin

ance

the

mor

tgag

e on

this

pro

perty

W

aves

1 –

6

Q98

: How

like

ly is

it th

at in

the

next

cou

ple

of y

ears

you

will…

| R

efin

ance

you

r mor

tgag

e

Wav

es 1

– 2

1 1

= Ve

ry

2 =

Som

ewha

t 3

= N

ot A

t All

231

X71D

W

aves

7 –

21

Q71

: How

like

ly is

it th

at in

the

next

cou

ple

of y

ears

you

will…

| Pa

y of

f th

is m

ortg

age

and

own

the

prop

erty

mor

tgag

e-fre

e

(con

tinue

d on

the

next

pag

e)

Wav

es 1

– 2

1 1

= Ve

ry

2 =

Som

ewha

t 3

= N

ot A

t All


71

Col

Va

riabl

e N

ame

(con

ditio

n, if

app

licab

le)

Que

stio

n R

espo

nses

Wav

es 1

– 6

Q

98: H

ow li

kely

is it

that

in th

e ne

xt c

oupl

e of

yea

rs y

ou w

ill… |

Pay

off

your

mor

tgag

e an

d ow

n yo

ur p

rope

rty m

ortg

age-

free

232

X72

Wav

es 7

– 2

1 Q

72: W

hat i

s yo

ur c

urre

nt m

arita

l sta

tus?

W

aves

1 –

6

Q71

: Wha

t is

your

cur

rent

mar

ital s

tatu

s?

Wav

es 1

– 2

1 1

= M

arrie

d 2

= Se

para

ted

3 =

Nev

er m

arrie

d

4 =

Div

orce

d 5

= W

idow

ed

233

X73

(whe

n X7

2 >

1)

Wav

es 7

– 2

1 Q

73: D

o yo

u ha

ve a

par

tner

who

sha

res

the

deci

sion

-mak

ing

and

resp

onsi

bilit

ies

of ru

nnin

g yo

ur h

ouse

hold

but

is n

ot y

our l

egal

sp

ouse

? W

aves

1 –

6

Q72

: Do

you

have

a p

artn

er w

ho s

hare

s th

e de

cisi

on-m

akin

g an

d re

spon

sibi

litie

s of

runn

ing

your

hou

seho

ld b

ut is

not

you

r leg

al

spou

se?

Wav

es 1

– 2

1 1

= Ye

s 2

= N

o -2

= N

ot a

pplic

able

(X72

= 1

)

234

X74R

W

aves

7 –

21

Q74

: Age

at l

ast b

irthd

ay: |

Res

pond

ent

Wav

es 1

– 6

Q

73: A

ge a

t las

t birt

hday

: | R

espo

nden

t

Wav

es 1

– 2

1 18

– 9

9

235

X74S

(w

hen

X72

= 1

or X

73 =

1)

Wav

es 7

– 2

1 Q

74: A

ge a

t las

t birt

hday

: | S

pous

e/Pa

rtner

W

aves

1 –

6

Q73

: Age

at l

ast b

irthd

ay: |

Spo

use/

Partn

er

Wav

es 1

– 2

1 18

– 9

9 -2

= N

ot a

pplic

able

(X72

> 1

and

X7

3 =

2)

236

X75R

W

aves

7 –

21

Q75

: Sex

: | R

espo

nden

t W

aves

1 –

6

Q74

: Sex

: | R

espo

nden

t

Wav

es 1

– 2

1 1

= M

ale

2 =

Fem

ale

237

X75S

(w

hen

X72

= 1

or X

73 =

1)

Wav

es 7

– 2

1 Q

75: S

ex: |

Spo

use/

Partn

er

Wav

es 1

– 6

Q

74: S

ex: |

Spo

use/

Partn

er

Wav

es 1

– 2

1 1

= M

ale

2 =

Fem

ale

-2 =

Not

app

licab

le (X

72 >

1 a

nd

X73

= 2)


72

Col

Va

riabl

e N

ame

(con

ditio

n, if

app

licab

le)

Que

stio

n R

espo

nses

238

X76R

W

aves

1 –

21

Q76

: Hig

hest

leve

l of e

duca

tion

achi

eved

: | R

espo

nden

t W

aves

1 –

21

1 =

Som

e sc

hool

ing

2 =

Hig

h sc

hool

gra

duat

e

3 =

Tech

nica

l sch

ool

4 =

Som

e co

llege

5

= C

olle

ge g

radu

ate

6 =

Post

grad

uate

stu

dies

23

9 X7

6S

(whe

n X7

2 =

1 or

X73

=

1)

Wav

es 1

– 2

1 Q

76: H

ighe

st le

vel o

f edu

catio

n ac

hiev

ed: |

Spo

use/

Partn

er

Wav

es 1

– 2

1 1

= So

me

scho

olin

g 2

= H

igh

scho

ol g

radu

ate

3

= Te

chni

cal s

choo

l 4

= So

me

colle

ge

5 =

Col

lege

gra

duat

e 6

= Po

stgr

adua

te s

tudi

es

-2 =

Not

app

licab

le (X

72 >

1 a

nd

X73

= 2)

24

0 X7

7R

Wav

es 4

– 2

1 Q

77: H

ispa

nic

or L

atin

o: |

Res

pond

ent

Wav

es 1

– 3

Q

77: A

re y

ou H

ispa

nic

or L

atin

o? |

Res

pond

ent

Wav

es 1

– 2

1 1

= Ye

s 2

= N

o

241

X77S

(w

hen

X72

= 1

or X

73 =

1)

Wav

es 4

– 2

1 Q

77: H

ispa

nic

or L

atin

o: |

Spou

se/P

artn

er

Wav

es 1

– 3

Q

77: A

re y

ou H

ispa

nic

or L

atin

o? |

Spou

se/P

artn

er

Wav

es 1

– 2

1 1

= Ye

s 2

= N

o -2

= N

ot a

pplic

able

(X72

> 1

and

X7

3 =

2)

242

X78R

W

aves

11

– 21

Q

78: R

ace:

Mar

k al

l tha

t app

ly. |

Res

pond

ent

Wav

es 1

– 1

0 Q

78: R

ace:

Mar

k al

l tha

t app

ly. |

Res

pond

ent

Res

pond

ents

cou

ld s

elec

t mul

tiple

race

cat

egor

ies

and

thos

e w

ho

sele

cted

mul

tiple

race

cat

egor

ies

are

clas

sifie

d am

ong

“all

othe

r rac

es”

(val

ue o

f ‘4’

).

Wav

es 1

– 2

1 1

= W

hite

/Cau

casi

an o

nly

2

= Bl

ack

or A

frica

n Am

eric

an

only

3

= As

ian

only

4

= Al

l oth

er ra

ces


73

Col

Va

riabl

e N

ame

(con

ditio

n, if

app

licab

le)

Que

stio

n R

espo

nses

243

X78S

(w

hen

X72

= 1

or X

73 =

1)

Wav

es 1

1 –

21

Q78

: Rac

e: M

ark

all t

hat a

pply

. | S

pous

e/Pa

rtner

W

aves

1 –

10

Q78

: Rac

e: M

ark

all t

hat a

pply

. | S

pous

e/Pa

rtner

R

espo

nden

ts c

ould

sel

ect m

ultip

le ra

ce c

ateg

orie

s an

d th

ose

who

se

lect

ed m

ultip

le ra

ce c

ateg

orie

s ar

e cl

assi

fied

amon

g “a

ll ot

her r

aces

” (v

alue

of ‘

4’).

Wav

es 1

– 2

1 1

= W

hite

/Cau

casi

an o

nly

2

= Bl

ack

or A

frica

n Am

eric

an

only

3

= As

ian

only

4

= Al

l oth

er ra

ces

-2 =

Not

app

licab

le (X

72 >

1 a

nd

X73

= 2)

24

4 X7

9RA

W

aves

11

– 21

Q

79: C

urre

nt w

ork

stat

us: M

ark

all t

hat a

pply

. | R

espo

nden

t (w

ork

stat

us s

elec

ted

by re

spon

dent

invo

lvin

g th

e m

ost e

mpl

oym

ent)

Wav

es 1

– 1

0 Q

79: C

urre

nt w

ork

stat

us: M

ark

all t

hat a

pply

. | R

espo

nden

t (w

ork

stat

us s

elec

ted

by re

spon

dent

invo

lvin

g th

e m

ost e

mpl

oym

ent)

Res

pond

ents

cou

ld s

elec

t mul

tiple

em

ploy

men

t cat

egor

ies

and

this

va

riabl

e sh

ows

the

first

em

ploy

men

t cat

egor

y se

lect

ed.

For W

aves

1 to

10,

“sel

f-em

ploy

ed/w

ork

for s

elf”

was

div

ided

into

“sel

f- em

ploy

ed fu

ll tim

e” (v

alue

of ‘

1’) a

nd “s

elf-e

mpl

oyed

par

t-tim

e” (v

alue

of

‘2’)

by im

puta

tion.

Wav

es 1

1 –

21

1 =

Self-

empl

oyed

full

time

2

= Se

lf-em

ploy

ed p

art t

ime

3

= Em

ploy

ed fu

ll tim

e 4

= Em

ploy

ed p

art t

ime

5

= R

etire

d 6

= U

nem

ploy

ed, t

empo

raril

y la

id-

off o

r on

leav

e 7

= N

ot w

orki

ng fo

r pay

(stu

dent

, ho

mem

aker

, dis

able

d)

Wav

es 1

– 1

0 1

= Se

lf-em

ploy

ed/w

ork

for s

elf

3 =

Empl

oyed

full

time

4

= Em

ploy

ed p

art t

ime

5

= R

etire

d 6

= Te

mpo

raril

y la

id o

ff or

on

leav

e 7

= N

ot w

orki

ng fo

r pay

(stu

dent

, ho

mem

aker

, dis

able

d,

unem

ploy

ed)

245

X79R

B

Wav

es 1

1 –

21

Q79

: Cur

rent

wor

k st

atus

: Mar

k al

l tha

t app

ly. |

Res

pond

ent

(if a

sec

ond

wor

k st

atus

was

sel

ecte

d)

Wav

es 1

– 1

0 Q

79: C

urre

nt w

ork

stat

us: M

ark

all t

hat a

pply

. | R

espo

nden

t (if

a s

econ

d w

ork

stat

us w

as s

elec

ted)

R

espo

nden

ts c

ould

sel

ect m

ultip

le e

mpl

oym

ent c

ateg

orie

s an

d th

is

varia

ble

show

s th

e se

lect

em

ploy

men

t cat

egor

y se

lect

ed.

(con

tinue

d on

the

next

pag

e)

Wav

es 1

1 –

21

2 =

Self-

empl

oyed

par

t tim

e

4 =

Empl

oyed

par

t tim

e 5

= R

etire

d 6

= U

nem

ploy

ed, t

empo

raril

y la

id-

off,

or o

n le

ave

7 =

Not

wor

king

for p

ay (s

tude

nt,

hom

emak

er, d

isab

led)

-2

= N

ot a

pplic

able

(X72

> 1

and

X7

3 =

2)


74

Col

Va

riabl

e N

ame

(con

ditio

n, if

app

licab

le)

Que

stio

n R

espo

nses

For W

aves

1 to

10,

“sel

f-em

ploy

ed/w

ork

for s

elf”

was

div

ided

into

“sel

f- em

ploy

ed fu

ll tim

e” (v

alue

of ‘

1’) a

nd “s

elf-e

mpl

oyed

par

t-tim

e” (v

alue

of

‘2’)

by im

puta

tion.

Wav

es 1

– 1

0 4

= Em

ploy

ed p

art t

ime

5

= R

etire

d 6

= Te

mpo

raril

y la

id o

ff or

on

leav

e 7

= N

ot w

orki

ng fo

r pay

(stu

dent

, ho

mem

aker

, dis

able

d,

unem

ploy

ed)

-2 =

Not

app

licab

le (X

72 >

1 a

nd

X73

= 2)

246

X79S

A

(whe

n X7

2 =

1 or

X73

=

1)

Wav

es 1

1 –

21

Q79

: Cur

rent

wor

k st

atus

: Mar

k al

l tha

t app

ly. |

Spo

use/

Partn

er

(wor

k st

atus

sel

ecte

d by

resp

onde

nt in

volv

ing

the

mos

t em

ploy

men

t)

Wav

es 1

– 1

0 Q

79: C

urre

nt w

ork

stat

us: M

ark

all t

hat a

pply

. | S

pous

e/Pa

rtner

(w

ork

stat

us s

elec

ted

by re

spon

dent

invo

lvin

g th

e m

ost e

mpl

oym

ent)

Res

pond

ents

cou

ld s

elec

t mul

tiple

em

ploy

men

t cat

egor

ies

for t

he

spou

se/p

artn

er a

nd th

is v

aria

ble

show

s th

e fir

st e

mpl

oym

ent c

ateg

ory

sele

cted

.

(con

tinue

d on

the

next

pag

e)

Wav

es 1

1 –

21

1 =

Self-

empl

oyed

full

time

2

= Se

lf-em

ploy

ed p

art t

ime

3

= Em

ploy

ed fu

ll tim

e 4

= Em

ploy

ed p

art t

ime

5

= R

etire

d 6

= U

nem

ploy

ed, t

empo

raril

y la

id-

off,

or o

n le

ave

7 =

Not

wor

king

for p

ay (s

tude

nt,

hom

emak

er, d

isab

led)

-2

= N

ot a

pplic

able

(X72

> 1

and

X7

3 =

2)


75

Col

Va

riabl

e N

ame

(con

ditio

n, if

app

licab

le)

Que

stio

n R

espo

nses

For W

aves

1 to

10,

“sel

f-em

ploy

ed/w

ork

for s

elf”

was

div

ided

into

“sel

f- em

ploy

ed fu

ll tim

e” (v

alue

of ‘

1’) a

nd “s

elf-e

mpl

oyed

par

t-tim

e” (v

alue

of

‘2’)

by im

puta

tion.

Wav

es 1

– 1

0 1

= Se

lf-em

ploy

ed/w

ork

for s

elf

3 =

Empl

oyed

full

time

4

= Em

ploy

ed p

art t

ime

5

= R

etire

d 6

= Te

mpo

raril

y la

id o

ff or

on

leav

e 7

= N

ot w

orki

ng fo

r pay

(stu

dent

, ho

mem

aker

, dis

able

d,

unem

ploy

ed)

-2 =

Not

app

licab

le (X

72 >

1 a

nd

X73

= 2)

24

7 X7

9SB

W

aves

11

– 21

Q

79: C

urre

nt w

ork

stat

us: M

ark

all t

hat a

pply

. | S

pous

e/Pa

rtner

(if

a s

econ

d w

ork

stat

us w

as s

elec

ted)

W

aves

1 –

10

Q79

: Cur

rent

wor

k st

atus

: Mar

k al

l tha

t app

ly. |

Spo

use/

Partn

er

(if a

sec

ond

wor

k st

atus

was

sel

ecte

d)

Res

pond

ents

cou

ld s

elec

t mul

tiple

em

ploy

men

t cat

egor

ies

for t

he

spou

se/p

artn

er a

nd th

is v

aria

ble

show

s th

e se

cond

em

ploy

men

t cat

egor

y se

lect

ed.

For W

aves

1 to

10,

“sel

f-em

ploy

ed/w

ork

for s

elf”

was

div

ided

into

“sel

f- em

ploy

ed fu

ll tim

e” (v

alue

of ‘

1’) a

nd “s

elf-e

mpl

oyed

par

t-tim

e” (v

alue

of

‘2’)

by im

puta

tion.

Wav

es 1

1 –

21

1 =

Self-

empl

oyed

full

time

2

= Se

lf-em

ploy

ed p

art t

ime

4

= Em

ploy

ed p

art t

ime

5 =

Ret

ired

6 =

Une

mpl

oyed

, tem

pora

rily

laid

-of

f, or

on

leav

e 7

= N

ot w

orki

ng fo

r pay

(stu

dent

, ho

mem

aker

, dis

able

d)

-2 =

Not

app

licab

le (X

72 >

1 a

nd

X73

= 2)

W

aves

1 –

10

1 =

Self-

empl

oyed

/wor

k fo

r sel

f 4

= Em

ploy

ed p

art t

ime

5

= R

etire

d 6

= Te

mpo

raril

y la

id o

ff or

on

leav

e 7

= N

ot w

orki

ng fo

r pay

(stu

dent

, ho

mem

aker

, dis

able

d,

unem

ploy

ed)

-2 =

Not

app

licab

le (X

72 >

1 a

nd

X73

= 2)


76

Col

Va

riabl

e N

ame

(con

ditio

n, if

app

licab

le)

Que

stio

n R

espo

nses

248

X80R

W

aves

15

– 21

Q

80: E

ver s

erve

d on

act

ive

duty

in th

e U

.S. A

rmed

For

ces,

Res

erve

s or

N

atio

nal G

uard

? | R

espo

nden

t W

aves

1 –

14

Que

stio

n as

ked

with

diff

eren

t ans

wer

opt

ions

(see

X80

R_1

)

Wav

es 1

5 –

21

1 =

Nev

er s

erve

d in

the

milit

ary

2 =

Onl

y on

act

ive

duty

for

train

ing

in th

e R

eser

ves

or

Nat

iona

l Gua

rd

3 =

Now

on

activ

e du

ty

4 =

On

activ

e du

ty in

the

past

, but

no

t now

W

aves

1 –

14

-3 =

Not

app

licab

le fo

r thi

s w

ave

249

X80R

_1

Wav

es 1

5 –

21

Que

stio

n as

ked

with

diff

eren

t ans

wer

opt

ions

(see

X80

R)

Wav

es 1

1 –

14

Q80

: Eve

r ser

ved

on a

ctiv

e du

ty in

the

U.S

. Arm

ed F

orce

s: (A

ctiv

e du

ty

incl

udes

ser

ving

in th

e U

.S. A

rmed

For

ces

as w

ell a

s ac

tivat

ion

from

th

e R

eser

ves

or N

atio

nal G

uard

). | R

espo

nden

t W

aves

1 –

10

Q80

: Hav

e yo

u ev

er s

erve

d on

act

ive

duty

in th

e U

.S. A

rmed

For

ces?

(A

ctiv

e du

ty in

clud

es s

ervi

ng in

the

U.S

. Arm

ed F

orce

s as

wel

l as

activ

atio

n fro

m th

e R

eser

ves

or N

atio

nal G

uard

). | R

espo

nden

t

Wav

es 1

5 –

21

-3 =

Not

app

licab

le fo

r thi

s w

ave

Wav

es 1

– 1

4 1

= N

o, n

ever

ser

ved

in th

e U

.S.

Arm

ed F

orce

s 2

= N

o, n

ever

on

activ

e du

ty

exce

pt fo

r ini

tial/b

asic

trai

ning

3

= Ye

s, n

ow o

n ac

tive

duty

4

= Ye

s, o

n ac

tive

duty

in th

e pa

st, b

ut n

ot n

ow

250

X80S

(w

hen

X72

= 1

or X

73 =

1)

Wav

es 1

5 –

21

Q80

: Eve

r ser

ved

on a

ctiv

e du

ty in

the

U.S

. Arm

ed F

orce

s, R

eser

ves

or

Nat

iona

l Gua

rd?

| Spo

use/

Partn

er

Wav

es 1

– 1

4 Q

uest

ion

aske

d w

ith d

iffer

ent a

nsw

er o

ptio

ns (s

ee X

80S_

1)

Wav

es 1

5 –

21

1 =

Nev

er s

erve

d in

the

milit

ary

2 =

Onl

y on

act

ive

duty

for

train

ing

in th

e R

eser

ves

or

Nat

iona

l Gua

rd

3 =

Now

on

activ

e du

ty

4 =

On

activ

e du

ty in

the

past

, but

no

t now

-2

= N

ot a

pplic

able

(X72

> 1

and

X7

3 =

2)

Wav

es 1

– 1

4 -3

= N

ot a

pplic

able

for t

his

wav

e 25

1 X8

0S_1

(w

hen

X72

= 1

or X

73 =

1)

Wav

es 1

5 –

21

Que

stio

n as

ked

with

diff

eren

t ans

wer

opt

ions

(see

X80

S)

(c

ontin

ued

on th

e ne

xt p

age)

Wav

es 1

5 –

21

-3 =

Not

app

licab

le fo

r thi

s w

ave


77

Col

Va

riabl

e N

ame

(con

ditio

n, if

app

licab

le)

Que

stio

n R

espo

nses

Wav

es 1

1 –

14

Q80

: Eve

r ser

ved

on a

ctiv

e du

ty in

the

U.S

. Arm

ed F

orce

s: (A

ctiv

e du

ty

incl

udes

ser

ving

in th

e U

.S. A

rmed

For

ces

as w

ell a

s ac

tivat

ion

from

th

e R

eser

ves

or N

atio

nal G

uard

). | S

pous

e/Pa

rtner

W

aves

1 –

10

Q80

: Hav

e yo

u ev

er s

erve

d on

act

ive

duty

in th

e U

.S. A

rmed

For

ces?

(A

ctiv

e du

ty in

clud

es s

ervi

ng in

the

U.S

. Arm

ed F

orce

s as

wel

l as

activ

atio

n fro

m th

e R

eser

ves

or N

atio

nal G

uard

). | S

pous

e/Pa

rtner

Wav

es 1

– 1

4 1

= N

o, n

ever

ser

ved

in th

e U

.S.

Arm

ed F

orce

s 2

= N

o, n

ever

on

activ

e du

ty

exce

pt fo

r ini

tial/b

asic

trai

ning

3

= Ye

s, n

ow o

n ac

tive

duty

4

= Ye

s, o

n ac

tive

duty

in th

e pa

st, b

ut n

ot n

ow

-2 =

Not

app

licab

le (X

72 >

1 a

nd

X73

= 2)

25

2 X8

1A

Wav

es 1

1 –

21

Q81

: Bes

ides

you

(and

you

r spo

use/

partn

er) w

ho e

lse

lives

in y

our

hous

ehol

d? M

ark

all t

hat a

pply

. | C

hild

ren/

gran

dchi

ldre

n un

der a

ge

18

Wav

es 7

– 1

0 Q

81: B

esid

es y

ou (a

nd y

our s

pous

e/pa

rtner

) who

els

e liv

es in

you

r ho

useh

old?

Mar

k al

l tha

t app

ly. |

Chi

ldre

n/gr

andc

hild

ren

unde

r age

18

W

aves

1 –

6

Que

stio

n no

t ask

ed

Wav

es 7

– 2

1 1

= Ye

s 2

= N

o W

aves

1 –

6

-3 =

Not

app

licab

le fo

r thi

s w

ave

253

X81B

W

aves

11

– 21

Q

81: B

esid

es y

ou (a

nd y

our s

pous

e/pa

rtner

) who

els

e liv

es in

you

r ho

useh

old?

Mar

k al

l tha

t app

ly. |

Chi

ldre

n/gr

andc

hild

ren

age

18 –

22

Wav

es 7

– 1

0 Q

81: B

esid

es y

ou (a

nd y

our s

pous

e/pa

rtner

) who

els

e liv

es in

you

r ho

useh

old?

Mar

k al

l tha

t app

ly. |

Chi

ldre

n/gr

andc

hild

ren

age

18 –

22

W

aves

1 –

6

Que

stio

n no

t ask

ed

Wav

es 7

– 2

1 1

= Ye

s 2

= N

o W

aves

1 –

6

-3 =

Not

app

licab

le fo

r thi

s w

ave

254

X81C

W

aves

11

– 21

Q

81: B

esid

es y

ou (a

nd y

our s

pous

e/pa

rtner

) who

els

e liv

es in

you

r ho

useh

old?

Mar

k al

l tha

t app

ly. |

Chi

ldre

n/gr

andc

hild

ren

age

23 o

r ol

der

(c

ontin

ued

on th

e ne

xt p

age)

Wav

es 7

– 2

1 1

= Ye

s 2

= N

o


78

Col

Va

riabl

e N

ame

(con

ditio

n, if

app

licab

le)

Que

stio

n R

espo

nses

Wav

es 7

– 1

0 Q

81: B

esid

es y

ou (a

nd y

our s

pous

e/pa

rtner

) who

els

e liv

es in

you

r ho

useh

old?

Mar

k al

l tha

t app

ly. |

Chi

ldre

n/gr

andc

hild

ren

age

23 o

r ol

der

Wav

es 1

– 6

Q

uest

ion

not a

sked

Wav

es 1

– 6

-3

= N

ot a

pplic

able

for t

his

wav

e

255

X81D

W

aves

11

– 21

Q

81: B

esid

es y

ou (a

nd y

our s

pous

e/pa

rtner

) who

els

e liv

es in

you

r ho

useh

old?

Mar

k al

l tha

t app

ly. |

Par

ents

of y

ou o

r you

r spo

use

or

partn

er

Wav

es 7

– 1

0 Q

81: B

esid

es y

ou (a

nd y

our s

pous

e/pa

rtner

) who

els

e liv

es in

you

r ho

useh

old?

Mar

k al

l tha

t app

ly. |

Par

ents

of y

ou o

r you

r spo

use

or

partn

er

Wav

es 1

– 6

Q

uest

ion

not a

sked

Wav

es 7

– 2

1 1

= Ye

s 2

= N

o W

aves

1 –

6

-3 =

Not

app

licab

le fo

r thi

s w

ave

256

X81E

W

aves

11

– 21

Q

81: B

esid

es y

ou (a

nd y

our s

pous

e/pa

rtner

) who

els

e liv

es in

you

r ho

useh

old?

Mar

k al

l tha

t app

ly. |

Oth

er re

lativ

es li

ke s

iblin

gs o

r co

usin

s W

aves

7 –

10

Q81

: Bes

ides

you

(and

you

r spo

use/

partn

er) w

ho e

lse

lives

in y

our

hous

ehol

d? M

ark

all t

hat a

pply

. | O

ther

rela

tives

like

sib

lings

or

cous

ins

Wav

es 1

– 6

Q

uest

ion

not a

sked

Wav

es 7

– 2

1 1

= Ye

s 2

= N

o W

aves

1 –

6

-3 =

Not

app

licab

le fo

r thi

s w

ave

257

X81F

W

aves

19

– 21

Q

81: B

esid

es y

ou (a

nd y

our s

pous

e/pa

rtner

) who

els

e liv

es in

you

r ho

useh

old?

Mar

k al

l tha

t app

ly. |

Non

-rela

tive

Wav

es 1

1 –

18

Q81

: Bes

ides

you

(and

you

r spo

use/

partn

er) w

ho e

lse

lives

in y

our

hous

ehol

d? M

ark

all t

hat a

pply

. | N

on-re

lativ

es

Wav

es 7

– 1

0 Q

81: B

esid

es y

ou (a

nd y

our s

pous

e/pa

rtner

) who

els

e liv

es in

you

r ho

useh

old?

Mar

k al

l tha

t app

ly. |

Non

-rela

tives

W

aves

1 –

6

Que

stio

n no

t ask

ed

Wav

es 7

– 2

1 1

= Ye

s 2

= N

o W

aves

1 –

6

-3 =

Not

app

licab

le fo

r thi

s w

ave


79

Col

Va

riabl

e N

ame

(con

ditio

n, if

app

licab

le)

Que

stio

n R

espo

nses

258

X81Z

W

aves

11

– 21

Q

81: B

esid

es y

ou (a

nd y

our s

pous

e/pa

rtner

) who

els

e liv

es in

you

r ho

useh

old?

Mar

k al

l tha

t app

ly. |

No

one

else

W

aves

8 –

10

Q81

: Bes

ides

you

(and

you

r spo

use/

partn

er) w

ho e

lse

lives

in y

our

hous

ehol

d? M

ark

all t

hat a

pply

. | N

o on

e el

se

Wav

es 1

– 7

Q

uest

ion

not a

sked

Wav

es 8

– 2

1 1

= Ye

s 2

= N

o W

aves

1 –

7

-3 =

Not

app

licab

le fo

r thi

s w

ave

259

X82

Wav

es 1

3 –

21

Q82

: Do

you

spea

k a

lang

uage

oth

er th

an E

nglis

h at

hom

e?

Wav

es 1

– 1

2 Q

uest

ion

not a

sked

Wav

es 1

3 –

21

1 =

Yes

2 =

No

Wav

es 1

– 1

2 -3

= N

ot a

pplic

able

for t

his

wav

e 26

0 X8

3 W

aves

13

– 21

Q

83: A

ppro

xim

atel

y ho

w m

uch

is y

our t

otal

ann

ual h

ouse

hold

inco

me

from

all

sour

ces

(wag

es, s

alar

ies,

tips

, int

eres

t, ch

ild s

uppo

rt,

inve

stm

ent i

ncom

e, re

tirem

ent,

soci

al s

ecur

ity, a

nd a

limon

y)?

Wav

es 7

– 1

2 Q

82: A

ppro

xim

atel

y ho

w m

uch

is y

our t

otal

ann

ual h

ouse

hold

inco

me

from

all

sour

ces

(wag

es, s

alar

ies,

tips

, int

eres

t, ch

ild s

uppo

rt,

inve

stm

ent i

ncom

e, re

tirem

ent,

soci

al s

ecur

ity, a

nd a

limon

y)?

Wav

es 1

– 6

Q

85: A

ppro

xim

atel

y ho

w m

uch

is y

our t

otal

ann

ual h

ouse

hold

inco

me

from

all

sour

ces

(wag

es, s

alar

ies,

tips

, int

eres

t, ch

ild s

uppo

rt,

inve

stm

ent i

ncom

e, re

tirem

ent,

soci

al s

ecur

ity, a

nd a

limon

y)?

Wav

es 1

1 –

21

1 =

Less

than

$35

,000

2

= $3

5,00

0 to

$49

,999

3

= $5

0,00

0 to

$74

,999

4

= $7

5,00

0 to

$99

,999

5

= $1

00,0

00 to

$17

4,99

9 6

= $1

75,0

00 o

r mor

e W

aves

1 –

10

1 =

Und

er $

35,0

00

2 =

$35,

000

to $

49,9

99

3 =

$50,

000

to $

74,9

99

4 =

$75,

000

to $

99,9

99

5 =

$100

,000

to $

174,

999

6 =

$175

,000

or m

ore

261

X84

Wav

es 1

3 –

21

Q84

: How

doe

s th

is to

tal a

nnua

l hou

seho

ld in

com

e co

mpa

re to

wha

t it i

s in

a “n

orm

al” y

ear?

W

aves

7 –

12

Q83

: How

doe

s th

is to

tal a

nnua

l hou

seho

ld in

com

e co

mpa

re to

wha

t it i

s in

a “n

orm

al” y

ear?

W

aves

1 –

6

Q86

: How

doe

s th

is to

tal a

nnua

l hou

seho

ld in

com

e co

mpa

re to

wha

t it i

s in

a “n

orm

al” y

ear?

Wav

es 1

– 2

1 1

= H

ighe

r tha

n no

rmal

2

= N

orm

al

3 =

Low

er th

an n

orm

al


80

Col

Va

riabl

e N

ame

(con

ditio

n, if

app

licab

le)

Que

stio

n R

espo

nses

262

X85A

W

aves

13

– 21

Q

85: D

oes

your

tota

l ann

ual h

ouse

hold

inco

me

incl

ude

any

of th

e fo

llow

ing

sour

ces?

| W

ages

or s

alar

y W

aves

7 –

12

Q84

: Doe

s yo

ur to

tal a

nnua

l hou

seho

ld in

com

e in

clud

e an

y of

the

follo

win

g so

urce

s? |

Wag

es o

r sal

ary

Wav

es 1

– 6

Q

87: D

oes

your

tota

l ann

ual h

ouse

hold

inco

me

incl

ude

any

of th

e fo

llow

ing

sour

ces?

| W

ages

or s

alar

y

Wav

es 1

– 2

1 1

= Ye

s 2

= N

o

263

X85B

W

aves

13

– 21

Q

85: D

oes

your

tota

l ann

ual h

ouse

hold

inco

me

incl

ude

any

of th

e fo

llow

ing

sour

ces?

| Bu

sine

ss o

r sel

f-em

ploy

men

t W

aves

7 –

12

Q84

: Doe

s yo

ur to

tal a

nnua

l hou

seho

ld in

com

e in

clud

e an

y of

the

follo

win

g so

urce

s? |

Busi

ness

or s

elf-e

mpl

oym

ent

Wav

es 1

– 6

Q

87: D

oes

your

tota

l ann

ual h

ouse

hold

inco

me

incl

ude

any

of th

e fo

llow

ing

sour

ces?

| Bu

sine

ss o

r sel

f-em

ploy

men

t

Wav

es 1

– 2

1 1

= Ye

s 2

= N

o

264

X85C

W

aves

13

– 21

Q

85: D

oes

your

tota

l ann

ual h

ouse

hold

inco

me

incl

ude

any

of th

e fo

llow

ing

sour

ces?

| In

tere

st o

r div

iden

ds

Wav

es 7

– 1

2 Q

84: D

oes

your

tota

l ann

ual h

ouse

hold

inco

me

incl

ude

any

of th

e fo

llow

ing

sour

ces?

| In

tere

st o

r div

iden

ds

Wav

es 1

– 6

Q

87: D

oes

your

tota

l ann

ual h

ouse

hold

inco

me

incl

ude

any

of th

e fo

llow

ing

sour

ces?

| In

tere

st o

r div

iden

ds

Wav

es 1

– 2

1 1

= Ye

s 2

= N

o

265

X85D

W

aves

13

– 21

Q

85: D

oes

your

tota

l ann

ual h

ouse

hold

inco

me

incl

ude

any

of th

e fo

llow

ing

sour

ces?

| Al

imon

y or

chi

ld s

uppo

rt W

aves

7 –

12

Q84

: Doe

s yo

ur to

tal a

nnua

l hou

seho

ld in

com

e in

clud

e an

y of

the

follo

win

g so

urce

s? |

Alim

ony

or c

hild

sup

port

Wav

es 1

– 6

Q

87: D

oes

your

tota

l ann

ual h

ouse

hold

inco

me

incl

ude

any

of th

e fo

llow

ing

sour

ces?

| Al

imon

y or

chi

ld s

uppo

rt

Wav

es 1

– 2

1 1

= Ye

s 2

= N

o


81

Col

Va

riabl

e N

ame

(con

ditio

n, if

app

licab

le)

Que

stio

n R

espo

nses

266

X85E

W

aves

13

– 21

Q

85: D

oes

your

tota

l ann

ual h

ouse

hold

inco

me

incl

ude

any

of th

e fo

llow

ing

sour

ces?

| So

cial

Sec

urity

, pen

sion

or o

ther

retir

emen

t be

nefit

s W

aves

11

– 12

Q

84: D

oes

your

tota

l ann

ual h

ouse

hold

inco

me

incl

ude

any

of th

e fo

llow

ing

sour

ces?

| So

cial

Sec

urity

, pen

sion

or o

ther

retir

emen

t be

nefit

s W

aves

7 –

10

Q84

: Doe

s yo

ur to

tal a

nnua

l hou

seho

ld in

com

e in

clud

e an

y of

the

follo

win

g so

urce

s? |

Soci

al S

ecur

ity b

enef

its

Wav

es 1

– 6

Q

87: D

oes

your

tota

l ann

ual h

ouse

hold

inco

me

incl

ude

any

of th

e fo

llow

ing

sour

ces?

| So

cial

Sec

urity

ben

efits

Wav

es 1

– 2

1 1

= Ye

s 2

= N

o

267

X86A

W

aves

13

– 21

Q

86: D

oes

anyo

ne in

you

r hou

seho

ld h

ave

any

of th

e fo

llow

ing?

| 40

1(k)

, 40

3(b)

, IR

A, o

r pen

sion

pla

n W

aves

7 –

12

Q85

: Doe

s an

yone

in y

our h

ouse

hold

hav

e an

y of

the

follo

win

g? |

401(

k),

403(

b), I

RA,

or p

ensi

on p

lan

Wav

es 1

– 6

Q

88: D

oes

anyo

ne in

you

r hou

seho

ld h

ave

any

of th

e fo

llow

ing?

| 40

1(k)

, 40

3(b)

, IR

A, o

r pen

sion

pla

n

Wav

es 1

– 2

1 1

= Ye

s 2

= N

o

268

X86B

W

aves

13

– 21

Q

86: D

oes

anyo

ne in

you

r hou

seho

ld h

ave

any

of th

e fo

llow

ing?

| St

ocks

, bon

ds, o

r mut

ual f

unds

(not

in re

tirem

ent a

ccou

nts

or

pens

ion

plan

s)

Wav

es 7

– 1

2 Q

85: D

oes

anyo

ne in

you

r hou

seho

ld h

ave

any

of th

e fo

llow

ing?

| St

ocks

, bon

ds, o

r mut

ual f

unds

(not

in re

tirem

ent a

ccou

nts

or

pens

ion

plan

s)

Wav

es 1

– 6

Q

88: D

oes

anyo

ne in

you

r hou

seho

ld h

ave

any

of th

e fo

llow

ing?

| St

ocks

, bon

ds, o

r mut

ual f

unds

(not

in re

tirem

ent a

ccou

nts

or

pens

ion

plan

s)

Wav

es 1

– 2

1 1

= Ye

s 2

= N

o


82

Col

Va

riabl

e N

ame

(con

ditio

n, if

app

licab

le)

Que

stio

n R

espo

nses

269

X86C

W

aves

13

– 21

Q

86: D

oes

anyo

ne in

you

r hou

seho

ld h

ave

any

of th

e fo

llow

ing?

| C

ertif

icat

es o

f dep

osit

Wav

es 7

– 1

2 Q

85: D

oes

anyo

ne in

you

r hou

seho

ld h

ave

any

of th

e fo

llow

ing?

| C

ertif

icat

es o

f dep

osit

Wav

es 1

– 6

Q

88: D

oes

anyo

ne in

you

r hou

seho

ld h

ave

any

of th

e fo

llow

ing?

| C

ertif

icat

es o

f dep

osit

Wav

es 1

– 2

1 1

= Ye

s 2

= N

o

270

X86D

W

aves

13

– 21

Q

86: D

oes

anyo

ne in

you

r hou

seho

ld h

ave

any

of th

e fo

llow

ing?

| In

vest

men

t rea

l est

ate

Wav

es 7

– 1

2 Q

85: D

oes

anyo

ne in

you

r hou

seho

ld h

ave

any

of th

e fo

llow

ing?

| In

vest

men

t rea

l est

ate

Wav

es 1

– 6

Q

88: D

oes

anyo

ne in

you

r hou

seho

ld h

ave

any

of th

e fo

llow

ing?

| In

vest

men

t rea

l est

ate

Wav

es 1

– 2

1 1

= Ye

s 2

= N

o

271

X87

Wav

es 1

3 –

21

Q87

: Whi

ch o

ne o

f the

follo

win

g st

atem

ents

bes

t des

crib

es th

e am

ount

of

fina

ncia

l ris

k yo

u ar

e w

illing

to ta

ke w

hen

you

save

or m

ake

inve

stm

ents

? W

aves

11

– 12

Q

86: W

hich

one

of t

he fo

llow

ing

stat

emen

ts b

est d

escr

ibes

the

amou

nt

of fi

nanc

ial r

isk

you

are

willi

ng to

take

whe

n yo

u sa

ve o

r mak

e in

vest

men

ts?

Wav

es 7

– 1

0 Q

86: W

hich

one

of t

he fo

llow

ing

stat

emen

ts b

est d

escr

ibes

the

amou

nt

of fi

nanc

ial r

isk

you

are

willi

ng to

take

whe

n yo

u m

ake

inve

stm

ents

? W

aves

1 –

6

Q89

: Whi

ch o

ne o

f the

follo

win

g st

atem

ents

bes

t des

crib

es th

e am

ount

of

fina

ncia

l ris

k yo

u ar

e w

illing

to ta

ke w

hen

you

mak

e in

vest

men

ts?

Wav

es 1

– 2

1 1

= Ta

ke s

ubst

antia

l fin

anci

al ri

sks

expe

ctin

g to

ear

n su

bsta

ntia

l re

turn

s 2

= Ta

ke a

bove

-ave

rage

fina

ncia

l ris

ks e

xpec

ting

to e

arn

abov

e-av

erag

e re

turn

s 3

= Ta

ke a

vera

ge fi

nanc

ial r

isks

ex

pect

ing

to e

arn

aver

age

retu

rns

4 =

Not

willi

ng to

take

any

fin

anci

al ri

sks

272

X88A

W

aves

13

– 21

Q

88: D

o yo

u ag

ree

or d

isag

ree

with

the

follo

win

g st

atem

ents

? | O

wni

ng a

ho

me

is a

goo

d fin

anci

al in

vest

men

t

(con

tinue

d on

the

next

pag

e)

Wav

es 1

– 2

1 1

= Ag

ree

2 =

Dis

agre

e


83

Col

Va

riabl

e N

ame

(con

ditio

n, if

app

licab

le)

Que

stio

n R

espo

nses

Wav

es 7

– 1

2 Q

87: D

o yo

u ag

ree

or d

isag

ree

with

the

follo

win

g st

atem

ents

? | O

wni

ng a

ho

me

is a

goo

d fin

anci

al in

vest

men

t W

aves

1 –

6

Q90

: Do

you

agre

e or

dis

agre

e w

ith th

e fo

llow

ing

stat

emen

ts?

| Ow

ning

a

hom

e is

a g

ood

finan

cial

inve

stm

ent

273

X88B

W

aves

13

– 21

Q

88: D

o yo

u ag

ree

or d

isag

ree

with

the

follo

win

g st

atem

ents

? | M

ost

mor

tgag

e le

nder

s ge

nera

lly tr

eat b

orro

wer

s w

ell

Wav

es 9

– 1

2 Q

87: D

o yo

u ag

ree

or d

isag

ree

with

the

follo

win

g st

atem

ents

? | M

ost

mor

tgag

e le

nder

s ge

nera

lly tr

eat b

orro

wer

s w

ell

Wav

es 7

– 8

Q

87: D

o yo

u ag

ree

or d

isag

ree

with

the

follo

win

g st

atem

ents

? | M

ortg

age

lend

ers

gene

rally

trea

t bor

row

ers

wel

l W

aves

1 –

6

Q90

: Do

you

agre

e or

dis

agre

e w

ith th

e fo

llow

ing

stat

emen

ts?

| Mor

tgag

e le

nder

s ge

nera

lly tr

eat b

orro

wer

s w

ell

Wav

es 1

– 2

1 1

= Ag

ree

2 =

Dis

agre

e

274

X88C

W

aves

13

– 21

Q

88: D

o yo

u ag

ree

or d

isag

ree

with

the

follo

win

g st

atem

ents

? | M

ost

mor

tgag

e le

nder

s w

ould

offe

r me

roug

hly

the

sam

e ra

tes

and

fees

W

aves

9 –

12

Q87

: Do

you

agre

e or

dis

agre

e w

ith th

e fo

llow

ing

stat

emen

ts?

| Mos

t m

ortg

age

lend

ers

wou

ld o

ffer m

e ro

ughl

y th

e sa

me

rate

s an

d fe

es

Wav

es 7

– 8

Q

87: D

o yo

u ag

ree

or d

isag

ree

with

the

follo

win

g st

atem

ents

? | M

ortg

age

lend

ers

wou

ld o

ffer m

e ro

ughl

y th

e sa

me

rate

s an

d fe

es

Wav

es 1

– 6

Q

uest

ion

not a

sked

Wav

es 7

– 2

1 1

= Ag

ree

2 =

Dis

agre

e W

aves

1 –

6

-3 =

Not

app

licab

le fo

r thi

s w

ave

275

X88D

W

aves

13

– 21

Q

88: D

o yo

u ag

ree

or d

isag

ree

with

the

follo

win

g st

atem

ents

? | L

ate

paym

ents

will

low

er m

y cr

edit

ratin

g W

aves

7 –

12

Q87

: Do

you

agre

e or

dis

agre

e w

ith th

e fo

llow

ing

stat

emen

ts?

| Lat

e pa

ymen

ts w

ill lo

wer

my

cred

it ra

ting

Wav

es 1

– 6

Q

90: D

o yo

u ag

ree

or d

isag

ree

with

the

follo

win

g st

atem

ents

? | L

ate

paym

ents

will

low

er m

y cr

edit

ratin

g

Wav

es 1

– 2

1 1

= Ag

ree

2 =

Dis

agre

e


84

Col

Va

riabl

e N

ame

(con

ditio

n, if

app

licab

le)

Que

stio

n R

espo

nses

276

X88E

W

aves

13

– 21

Q

88: D

o yo

u ag

ree

or d

isag

ree

with

the

follo

win

g st

atem

ents

? | L

ende

rs

shou

ldn’

t car

e ab

out a

ny la

te p

aym

ents

, onl

y w

heth

er lo

ans

are

fully

re

paid

W

aves

7 –

12

Q87

: Do

you

agre

e or

dis

agre

e w

ith th

e fo

llow

ing

stat

emen

ts?

| Len

ders

sh

ould

n’t c

are

abou

t any

late

pay

men

ts, o

nly

whe

ther

loan

s ar

e fu

lly

repa

id

Wav

es 1

– 6

Q

90: D

o yo

u ag

ree

or d

isag

ree

with

the

follo

win

g st

atem

ents

? | L

ende

rs

shou

ldn’

t car

e ab

out a

ny la

te p

aym

ents

, onl

y w

heth

er lo

ans

are

fully

re

paid

Wav

es 1

– 2

1 1

= Ag

ree

2 =

Dis

agre

e

277

X88F

W

aves

13

– 21

Q

88: D

o yo

u ag

ree

or d

isag

ree

with

the

follo

win

g st

atem

ents

? | I

t is

okay

to

def

ault

or s

top

mak

ing

mor

tgag

e pa

ymen

ts if

it is

in th

e bo

rrow

er’s

fina

ncia

l int

eres

t W

aves

7 –

12

Q87

: Do

you

agre

e or

dis

agre

e w

ith th

e fo

llow

ing

stat

emen

ts?

| It i

s ok

ay

to d

efau

lt or

sto

p m

akin

g m

ortg

age

paym

ents

if it

is in

the

borro

wer

’s fi

nanc

ial i

nter

est

Wav

es 1

– 6

Q

90: D

o yo

u ag

ree

or d

isag

ree

with

the

follo

win

g st

atem

ents

? | I

t is

okay

to

def

ault

or s

top

mak

ing

mor

tgag

e pa

ymen

ts if

it is

in th

e bo

rrow

er’s

fina

ncia

l int

eres

t

Wav

es 1

– 2

1 1

= Ag

ree

2 =

Dis

agre

e

278

X88G

W

aves

13

– 18

Q

88: D

o yo

u ag

ree

or d

isag

ree

with

the

follo

win

g st

atem

ents

? | I

wou

ld

cons

ider

cou

nsel

ing

or ta

king

a c

ours

e ab

out m

anag

ing

my

finan

ces

if I f

aced

fina

ncia

l diff

icul

ties

Wav

es 1

1 –

12

Q87

: Do

you

agre

e or

dis

agre

e w

ith th

e fo

llow

ing

stat

emen

ts?

| I w

ould

co

nsid

er c

ouns

elin

g or

taki

ng a

cou

rse

abou

t man

agin

g m

y fin

ance

s if

I fac

ed fi

nanc

ial d

iffic

ultie

s W

aves

1 –

10

Que

stio

n no

t ask

ed

Wav

es 1

1 –

18

1 =

Agre

e 2

= D

isag

ree

Wav

es 1

– 1

0 -3

= N

ot a

pplic

able

for t

his

wav

e

279

X89A

W

aves

13

– 21

Q

89: I

n th

e la

st c

oupl

e of

yea

rs, h

ave

any

of th

e fo

llow

ing

happ

ened

to

you?

| Se

para

ted,

div

orce

d or

par

tner

left (c

ontin

ued

on th

e ne

xt p

age)

Wav

es 1

– 2

1 1

= Ye

s 2

= N

o


85

Col

Va

riabl

e N

ame

(con

ditio

n, if

app

licab

le)

Que

stio

n R

espo

nses

Wav

es 1

1 –

12

Q88

: In

the

last

cou

ple

of y

ears

, hav

e an

y of

the

follo

win

g ha

ppen

ed to

yo

u? |

Sepa

rate

d, d

ivor

ced

or p

artn

er le

ft W

aves

7 –

10

Q88

: In

the

last

cou

ple

of y

ears

, hav

e an

y of

the

follo

win

g ha

ppen

ed to

yo

u? |

Sepa

rate

d or

div

orce

d W

aves

5 –

6

Q91

: In

the

last

cou

ple

of y

ears

, hav

e an

y of

the

follo

win

g ha

ppen

ed to

yo

u? |

Sepa

rate

d or

div

orce

d W

aves

1 –

4

Q91

: In

the

last

cou

ple

of y

ears

, hav

e an

y of

the

follo

win

g ha

ppen

ed to

yo

u? |

Sepa

rate

d/di

vorc

ed

280

X89B

W

aves

13

– 21

Q

89: I

n th

e la

st c

oupl

e of

yea

rs, h

ave

any

of th

e fo

llow

ing

happ

ened

to

you?

| M

arrie

d, re

mar

ried

or n

ew p

artn

er

Wav

es 1

1 –

12

Q88

: In

the

last

cou

ple

of y

ears

, hav

e an

y of

the

follo

win

g ha

ppen

ed to

yo

u? |

Mar

ried,

rem

arrie

d or

new

par

tner

W

aves

7 –

10

Q88

: In

the

last

cou

ple

of y

ears

, hav

e an

y of

the

follo

win

g ha

ppen

ed to

yo

u? |

Mar

ried/

rem

arrie

d/ne

w p

artn

er

Wav

es 1

– 6

Q

91: I

n th

e la

st c

oupl

e of

yea

rs, h

ave

any

of th

e fo

llow

ing

happ

ened

to

you?

| M

arrie

d/re

mar

ried/

new

par

tner

Wav

es 1

– 2

1 1

= Ye

s 2

= N

o

281

X89C

W

aves

13

– 21

Q

89: I

n th

e la

st c

oupl

e of

yea

rs, h

ave

any

of th

e fo

llow

ing

happ

ened

to

you?

| D

eath

of a

hou

seho

ld m

embe

r W

aves

7 –

12

Q88

: In

the

last

cou

ple

of y

ears

, hav

e an

y of

the

follo

win

g ha

ppen

ed to

yo

u? |

Dea

th o

f a h

ouse

hold

mem

ber

Wav

es 1

– 6

Q

91: I

n th

e la

st c

oupl

e of

yea

rs, h

ave

any

of th

e fo

llow

ing

happ

ened

to

you?

| D

eath

of a

hou

seho

ld m

embe

r

Wav

es 1

– 2

1 1

= Ye

s 2

= N

o

282

X89D

W

aves

13

– 21

Q

89: I

n th

e la

st c

oupl

e of

yea

rs, h

ave

any

of th

e fo

llow

ing

happ

ened

to

you?

| Ad

ditio

n to

you

r hou

seho

ld (n

ot in

clud

ing

spou

se/p

artn

er)

(c

ontin

ued

on th

e ne

xt p

age)

Wav

es 1

– 2

1 1

= Ye

s 2

= N

o


86

Col

Va

riabl

e N

ame

(con

ditio

n, if

app

licab

le)

Que

stio

n R

espo

nses

Wav

es 7

– 1

2 Q

88: I

n th

e la

st c

oupl

e of

yea

rs, h

ave

any

of th

e fo

llow

ing

happ

ened

to

you?

| Ad

ditio

n to

you

r hou

seho

ld (n

ot in

clud

ing

spou

se/p

artn

er)

Wav

es 1

– 6

Q

91: I

n th

e la

st c

oupl

e of

yea

rs, h

ave

any

of th

e fo

llow

ing

happ

ened

to

you?

| Ad

ditio

n to

you

r hou

seho

ld (n

ot in

clud

ing

spou

se/p

artn

er)

283

X89E

W

aves

13

– 21

Q

89: I

n th

e la

st c

oupl

e of

yea

rs, h

ave

any

of th

e fo

llow

ing

happ

ened

to

you?

| Pe

rson

leav

ing

your

hou

seho

ld (n

ot in

clud

ing

spou

se/p

artn

er)

Wav

es 7

– 1

2 Q

88: I

n th

e la

st c

oupl

e of

yea

rs, h

ave

any

of th

e fo

llow

ing

happ

ened

to

you?

| Pe

rson

leav

ing

your

hou

seho

ld (n

ot in

clud

ing

spou

se/p

artn

er)

Wav

es 1

– 6

Q

91: I

n th

e la

st c

oupl

e of

yea

rs, h

ave

any

of th

e fo

llow

ing

happ

ened

to

you?

| Pe

rson

leav

ing

your

hou

seho

ld (n

ot in

clud

ing

spou

se/p

artn

er)

Wav

es 1

– 2

1 1

= Ye

s 2

= N

o

284

X89F

W

aves

13

– 21

Q

89: I

n th

e la

st c

oupl

e of

yea

rs, h

ave

any

of th

e fo

llow

ing

happ

ened

to

you?

| D

isab

ility

or s

erio

us il

lnes

s of

hou

seho

ld m

embe

r W

aves

7 –

12

Q88

: In

the

last

cou

ple

of y

ears

, hav

e an

y of

the

follo

win

g ha

ppen

ed to

yo

u? |

Dis

abilit

y or

ser

ious

illn

ess

of h

ouse

hold

mem

ber

Wav

es 1

– 6

Q

91: I

n th

e la

st c

oupl

e of

yea

rs, h

ave

any

of th

e fo

llow

ing

happ

ened

to

you?

| D

isab

ility

or s

erio

us il

lnes

s of

hou

seho

ld m

embe

r

Wav

es 1

– 2

1 1

= Ye

s 2

= N

o

285

X89G

W

aves

13

– 21

Q

89: I

n th

e la

st c

oupl

e of

yea

rs, h

ave

any

of th

e fo

llow

ing

happ

ened

to

you?

| D

isas

ter a

ffect

ing

a pr

oper

ty y

ou o

wn

Wav

es 7

– 1

2 Q

88: I

n th

e la

st c

oupl

e of

yea

rs, h

ave

any

of th

e fo

llow

ing

happ

ened

to

you?

| D

isas

ter a

ffect

ing

a pr

oper

ty y

ou o

wn

Wav

es 1

– 6

Q

91: I

n th

e la

st c

oupl

e of

yea

rs, h

ave

any

of th

e fo

llow

ing

happ

ened

to

you?

| D

isas

ter a

ffect

ing

your

hou

se

Wav

es 1

– 2

1 1

= Ye

s 2

= N

o


87

Col

Va

riabl

e N

ame

(con

ditio

n, if

app

licab

le)

Que

stio

n R

espo

nses

286

X89H

W

aves

13

– 21

Q

89: I

n th

e la

st c

oupl

e of

yea

rs, h

ave

any

of th

e fo

llow

ing

happ

ened

to

you?

| D

isas

ter a

ffect

ing

your

(or y

our s

pous

e/pa

rtner

’s) w

ork

Wav

es 7

– 1

2 Q

88: I

n th

e la

st c

oupl

e of

yea

rs, h

ave

any

of th

e fo

llow

ing

happ

ened

to

you?

| D

isas

ter a

ffect

ing

your

(or y

our s

pous

e/pa

rtner

’s) w

ork

Wav

es 1

– 6

Q

91: I

n th

e la

st c

oupl

e of

yea

rs, h

ave

any

of th

e fo

llow

ing

happ

ened

to

you?

| D

isas

ter a

ffect

ing

your

(or y

our s

pous

e/pa

rtner

’s) w

ork

Wav

es 1

– 2

1 1

= Ye

s 2

= N

o

287

X89I

W

aves

13

– 21

Q

89: I

n th

e la

st c

oupl

e of

yea

rs, h

ave

any

of th

e fo

llow

ing

happ

ened

to

you?

| M

oved

with

in th

e ar

ea (l

ess

than

50

mile

s)

Wav

es 7

– 1

2 Q

88: I

n th

e la

st c

oupl

e of

yea

rs, h

ave

any

of th

e fo

llow

ing

happ

ened

to

you?

| M

oved

with

in th

e ar

ea (l

ess

than

50

mile

s)

Wav

es 1

– 6

Q

91: I

n th

e la

st c

oupl

e of

yea

rs, h

ave

any

of th

e fo

llow

ing

happ

ened

to

you?

| M

oved

with

in th

e ar

ea (l

ess

than

50

mile

s)

Wav

es 1

– 2

1 1

= Ye

s 2

= N

o

288

X89J

W

aves

13

– 21

Q

89: I

n th

e la

st c

oupl

e of

yea

rs, h

ave

any

of th

e fo

llow

ing

happ

ened

to

you?

| M

oved

to a

new

are

a (5

0 m

iles

or m

ore)

W

aves

7 –

12

Q88

: In

the

last

cou

ple

of y

ears

, hav

e an

y of

the

follo

win

g ha

ppen

ed to

yo

u? |

Mov

ed to

a n

ew a

rea

(50

mile

s or

mor

e)

Wav

es 1

– 6

Q

91: I

n th

e la

st c

oupl

e of

yea

rs, h

ave

any

of th

e fo

llow

ing

happ

ened

to

you?

| M

oved

to a

new

are

a (5

0 m

iles

or m

ore)

Wav

es 1

– 2

1 1

= Ye

s 2

= N

o

289

X90A

W

aves

13

– 21

Q

90: I

n th

e la

st c

oupl

e of

yea

rs, h

ave

any

of th

e fo

llow

ing

happ

ened

to

you

(or y

our s

pous

e/pa

rtner

)? |

Layo

ff, u

nem

ploy

men

t, or

redu

ced

hour

s of

wor

k W

aves

7 –

12

Q89

: In

the

last

cou

ple

of y

ears

, hav

e an

y of

the

follo

win

g ha

ppen

ed to

yo

u (o

r you

r spo

use/

partn

er)?

| La

yoff,

une

mpl

oym

ent,

or re

duce

d ho

urs

of w

ork

(c

ontin

ued

on th

e ne

xt p

age)

Wav

es 1

– 2

1 1

= Ye

s 2

= N

o


88

Col

Va

riabl

e N

ame

(con

ditio

n, if

app

licab

le)

Que

stio

n R

espo

nses

Wav

es 1

– 6

Q

92: I

n th

e la

st c

oupl

e of

yea

rs, h

ave

any

of th

e fo

llow

ing

happ

ened

to

you (

or y

our s

pous

e/pa

rtner

)? |

Layo

ff, u

nem

ploy

men

t or r

educ

ed

hour

s of

wor

k 29

0 X9

0B

Wav

es 1

3 –

21

Q90

: In

the

last

cou

ple

of y

ears

, hav

e an

y of

the

follo

win

g ha

ppen

ed to

yo

u (o

r you

r spo

use/

partn

er)?

| R

etire

men

t W

aves

7 –

12

Q89

: In

the

last

cou

ple

of y

ears

, hav

e an

y of

the

follo

win

g ha

ppen

ed to

yo

u (o

r you

r spo

use/

partn

er)?

| R

etire

men

t W

aves

4 –

6

Q92

: In

the

last

cou

ple

of y

ears

, hav

e an

y of

the

follo

win

g ha

ppen

ed to

yo

u (o

r you

r spo

use/

partn

er)?

| R

etire

men

t W

aves

1 –

3

Que

stio

n no

t ask

ed

Wav

es 4

– 2

1 1

= Ye

s 2

= N

o W

aves

1 –

3

-3 =

Not

app

licab

le fo

r thi

s w

ave

291

X90C

W

aves

13

– 21

Q

90: I

n th

e la

st c

oupl

e of

yea

rs, h

ave

any

of th

e fo

llow

ing

happ

ened

to

you

(or y

our s

pous

e/pa

rtner

)? |

Prom

otio

n W

aves

7 –

12

Q89

: In

the

last

cou

ple

of y

ears

, hav

e an

y of

the

follo

win

g ha

ppen

ed to

yo

u (o

r you

r spo

use/

partn

er)?

| Pr

omot

ion

Wav

es 1

– 6

Q

92: I

n th

e la

st c

oupl

e of

yea

rs, h

ave

any

of th

e fo

llow

ing

happ

ened

to

you

(or y

our s

pous

e/pa

rtner

)? |

Prom

otio

n

Wav

es 1

– 2

1 1

= Ye

s 2

= N

o

292

X90D

W

aves

13

– 21

Q

90: I

n th

e la

st c

oupl

e of

yea

rs, h

ave

any

of th

e fo

llow

ing

happ

ened

to

you

(or y

our s

pous

e/pa

rtner

)? |

Star

ting

a ne

w jo

b W

aves

7 –

12

Q89

: In

the

last

cou

ple

of y

ears

, hav

e an

y of

the

follo

win

g ha

ppen

ed to

yo

u (o

r you

r spo

use/

partn

er)?

| St

artin

g a

new

job

Wav

es 1

– 6

Q

92: I

n th

e la

st c

oupl

e of

yea

rs, h

ave

any

of th

e fo

llow

ing

happ

ened

to

you

(or y

our s

pous

e/pa

rtner

)? |

Star

ting

a ne

w jo

b

Wav

es 1

– 2

1 1

= Ye

s 2

= N

o

293

X90E

W

aves

13

– 21

Q

90: I

n th

e la

st c

oupl

e of

yea

rs, h

ave

any

of th

e fo

llow

ing

happ

ened

to

you

(or y

our s

pous

e/pa

rtner

)? |

Star

ting

a se

cond

job

(c

ontin

ued

on th

e ne

xt p

age)

Wav

es 1

– 2

1 1

= Ye

s 2

= N

o


89

Col

Va

riabl

e N

ame

(con

ditio

n, if

app

licab

le)

Que

stio

n R

espo

nses

Wav

es 7

– 1

2 Q

89: I

n th

e la

st c

oupl

e of

yea

rs, h

ave

any

of th

e fo

llow

ing

happ

ened

to

you

(or y

our s

pous

e/pa

rtner

)? |

Star

ting

a se

cond

job

Wav

es 1

– 6

Q

92: I

n th

e la

st c

oupl

e of

yea

rs, h

ave

any

of th

e fo

llow

ing

happ

ened

to

you

(or y

our s

pous

e/pa

rtner

)? |

Star

ting

a se

cond

job

294

X90F

W

aves

13

– 21

Q

90: I

n th

e la

st c

oupl

e of

yea

rs, h

ave

any

of th

e fo

llow

ing

happ

ened

to

you

(or y

our s

pous

e/pa

rtner

)? |

Busi

ness

failu

re

Wav

es 7

– 1

2 Q

89: I

n th

e la

st c

oupl

e of

yea

rs, h

ave

any

of th

e fo

llow

ing

happ

ened

to

you

(or y

our s

pous

e/pa

rtner

)? |

Busi

ness

failu

re

Wav

es 1

– 6

Q

92: I

n th

e la

st c

oupl

e of

yea

rs, h

ave

any

of th

e fo

llow

ing

happ

ened

to

you

(or y

our s

pous

e/pa

rtner

)? |

Busi

ness

failu

re

Wav

es 1

– 2

1 1

= Ye

s 2

= N

o

295

X90G

W

aves

13

– 21

Q

90: I

n th

e la

st c

oupl

e of

yea

rs, h

ave

any

of th

e fo

llow

ing

happ

ened

to

you

(or y

our s

pous

e/pa

rtner

)? |

A pe

rson

al fi

nanc

ial c

risis

W

aves

7 –

12

Q89

: In

the

last

cou

ple

of y

ears

, hav

e an

y of

the

follo

win

g ha

ppen

ed to

yo

u (o

r you

r spo

use/

partn

er)?

| A

pers

onal

fina

ncia

l cris

is

Wav

es 1

– 6

Q

92: I

n th

e la

st c

oupl

e of

yea

rs, h

ave

any

of th

e fo

llow

ing

happ

ened

to

you

(or y

our s

pous

e/pa

rtner

)? |

A pe

rson

al fi

nanc

ial c

risis

Wav

es 1

– 2

1 1

= Ye

s 2

= N

o

296

X91A

W

aves

13

– 21

Q

91: I

n th

e la

st c

oupl

e ye

ars,

how

hav

e th

e fo

llow

ing

chan

ged

for y

ou

(and

you

r spo

use/

partn

er)?

| H

ouse

hold

inco

me

Wav

es 7

– 1

2 Q

90: I

n th

e la

st c

oupl

e ye

ars,

how

hav

e th

e fo

llow

ing

chan

ged

for y

ou

(and

you

r spo

use/

partn

er)?

| H

ouse

hold

inco

me

Wav

es 1

– 6

Q

93: I

n th

e la

st c

oupl

e ye

ars,

how

hav

e th

e fo

llow

ing

chan

ged

for y

ou

(and

you

r spo

use/

partn

er)?

| H

ouse

hold

inco

me

Wav

es 1

– 2

1 1

= Si

gnifi

cant

Incr

ease

2

= Li

ttle/

No

Cha

nge

3 =

Sign

ifica

nt D

ecre

ase

297

X91B

W

aves

13

– 21

Q

91: I

n th

e la

st c

oupl

e ye

ars,

how

hav

e th

e fo

llow

ing

chan

ged

for y

ou

(and

you

r spo

use/

partn

er)?

| H

ousi

ng e

xpen

ses

(con

tinue

d on

the

next

pag

e)

Wav

es 1

– 2

1 1

= Si

gnifi

cant

Incr

ease

2

= Li

ttle/

No

Cha

nge

3 =

Sign

ifica

nt D

ecre

ase


90

Col

Va

riabl

e N

ame

(con

ditio

n, if

app

licab

le)

Que

stio

n R

espo

nses

Wav

es 7

– 1

2 Q

90: I

n th

e la

st c

oupl

e ye

ars,

how

hav

e th

e fo

llow

ing

chan

ged

for y

ou

(and

you

r spo

use/

partn

er)?

| H

ousi

ng e

xpen

ses

Wav

es 1

– 6

Q

93: I

n th

e la

st c

oupl

e ye

ars,

how

hav

e th

e fo

llow

ing

chan

ged

for y

ou

(and

you

r spo

use/

partn

er)?

| H

ousi

ng e

xpen

ses

298

X91C

W

aves

13

– 21

Q

91: I

n th

e la

st c

oupl

e ye

ars,

how

hav

e th

e fo

llow

ing

chan

ged

for y

ou

(and

you

r spo

use/

partn

er)?

| N

on-h

ousi

ng e

xpen

ses

Wav

es 7

– 1

2 Q

90: I

n th

e la

st c

oupl

e ye

ars,

how

hav

e th

e fo

llow

ing

chan

ged

for y

ou

(and

you

r spo

use/

partn

er)?

| N

on-h

ousi

ng e

xpen

ses

Wav

es 1

– 6

Q

93: I

n th

e la

st c

oupl

e ye

ars,

how

hav

e th

e fo

llow

ing

chan

ged

for y

ou

(and

you

r spo

use/

partn

er)?

| N

on-h

ousi

ng e

xpen

ses

Wav

es 1

– 2

1 1

= Si

gnifi

cant

Incr

ease

2

= Li

ttle/

No

Cha

nge

3 =

Sign

ifica

nt D

ecre

ase

299

X92A

W

aves

13

– 21

Q

92: I

n th

e ne

xt c

oupl

e of

yea

rs, h

ow d

o yo

u ex

pect

the

follo

win

g to

ch

ange

for y

ou (a

nd y

our s

pous

e/pa

rtner

)? |

Hou

seho

ld in

com

e W

aves

7 –

12

Q91

: In

the

next

cou

ple

of y

ears

, how

do

you

expe

ct th

e fo

llow

ing

to

chan

ge fo

r you

(and

you

r spo

use/

partn

er)?

| H

ouse

hold

inco

me

Wav

es 1

– 6

Q

97: I

n th

e ne

xt c

oupl

e of

yea

rs, h

ow d

o yo

u ex

pect

the

follo

win

g to

ch

ange

for y

ou (a

nd y

our s

pous

e/pa

rtner

)? |

Hou

seho

ld in

com

e

Wav

es 1

– 2

1 1

= Si

gnifi

cant

Incr

ease

2

= Li

ttle/

No

Cha

nge

3 =

Sign

ifica

nt D

ecre

ase

300

X92B

W

aves

13

– 21

Q

92: I

n th

e ne

xt c

oupl

e of

yea

rs, h

ow d

o yo

u ex

pect

the

follo

win

g to

ch

ange

for y

ou (a

nd y

our s

pous

e/pa

rtner

)? |

Hou

sing

exp

ense

s W

aves

7 –

12

Q91

: In

the

next

cou

ple

of y

ears

, how

do

you

expe

ct th

e fo

llow

ing

to

chan

ge fo

r you

(and

you

r spo

use/

partn

er)?

| H

ousi

ng e

xpen

ses

Wav

es 1

– 6

Q

97: I

n th

e ne

xt c

oupl

e of

yea

rs, h

ow d

o yo

u ex

pect

the

follo

win

g to

ch

ange

for y

ou (a

nd y

our s

pous

e/pa

rtner

)? |

Hou

sing

exp

ense

s

Wav

es 1

– 2

1 1

= Si

gnifi

cant

Incr

ease

2

= Li

ttle/

No

Cha

nge

3 =

Sign

ifica

nt D

ecre

ase

301

X92C

W

aves

13

– 21

Q

92: I

n th

e ne

xt c

oupl

e of

yea

rs, h

ow d

o yo

u ex

pect

the

follo

win

g to

ch

ange

for y

ou (a

nd y

our s

pous

e/pa

rtner

)? |

Non

-hou

sing

exp

ense

s

(con

tinue

d on

the

next

pag

e)

Wav

es 1

– 2

1 1

= Si

gnifi

cant

Incr

ease

2

= Li

ttle/

No

Cha

nge

3 =

Sign

ifica

nt D

ecre

ase


91

Col

Va

riabl

e N

ame

(con

ditio

n, if

app

licab

le)

Que

stio

n R

espo

nses

Wav

es 7

– 1

2 Q

91: I

n th

e ne

xt c

oupl

e of

yea

rs, h

ow d

o yo

u ex

pect

the

follo

win

g to

ch

ange

for y

ou (a

nd y

our s

pous

e/pa

rtner

)? |

Non

-hou

sing

exp

ense

s W

aves

1 –

6

Q97

: In

the

next

cou

ple

of y

ears

, how

do

you

expe

ct th

e fo

llow

ing

to

chan

ge fo

r you

(and

you

r spo

use/

partn

er)?

| N

on-h

ousi

ng e

xpen

ses

302

X93A

W

aves

13

– 21

Q

93: H

ow li

kely

is it

that

in th

e ne

xt c

oupl

e of

yea

rs y

ou (o

r you

r sp

ouse

/par

tner

) will

face

… |

Ret

irem

ent

Wav

es 7

– 1

2 Q

92: H

ow li

kely

is it

that

in th

e ne

xt c

oupl

e of

yea

rs y

ou (o

r you

r sp

ouse

/par

tner

) will

face

… |

Ret

irem

ent

Wav

es 1

– 6

Q

99: H

ow li

kely

is it

that

in th

e ne

xt c

oupl

e of

yea

rs y

ou (o

r you

r sp

ouse

/par

tner

) will

face

… |

Ret

irem

ent

Wav

es 1

– 2

1 1

= Ve

ry

2 =

Som

ewha

t 3

= N

ot A

t All

303

X93B

W

aves

13

– 21

Q

93: H

ow li

kely

is it

that

in th

e ne

xt c

oupl

e of

yea

rs y

ou (o

r you

r sp

ouse

/par

tner

) will

face

… |

Diff

icul

ties

mak

ing

your

mor

tgag

e pa

ymen

ts

Wav

es 7

– 1

2 Q

92: H

ow li

kely

is it

that

in th

e ne

xt c

oupl

e of

yea

rs y

ou (o

r you

r sp

ouse

/par

tner

) will

face

… |

Diff

icul

ties

mak

ing

your

mor

tgag

e pa

ymen

ts

Wav

es 1

– 6

Q

99: H

ow li

kely

is it

that

in th

e ne

xt c

oupl

e of

yea

rs y

ou (o

r you

r sp

ouse

/par

tner

) will

face

… |

Diff

icul

ties

mak

ing

your

mor

tgag

e pa

ymen

ts

Wav

es 1

– 2

1 1

= Ve

ry

2 =

Som

ewha

t 3

= N

ot A

t All

304

X93C

W

aves

13

– 21

Q

93: H

ow li

kely

is it

that

in th

e ne

xt c

oupl

e of

yea

rs y

ou (o

r you

r sp

ouse

/par

tner

) will

face

… |

A la

yoff,

une

mpl

oym

ent,

or fo

rced

re

duct

ion

in h

ours

W

aves

7 –

12

Q92

: How

like

ly is

it th

at in

the

next

cou

ple

of y

ears

you

(or y

our

spou

se/p

artn

er) w

ill fa

ce…

| A

layo

ff, u

nem

ploy

men

t, or

forc

ed

redu

ctio

n in

hou

rs

(c

ontin

ued

on th

e ne

xt p

age)

Wav

es 1

– 2

1 1

= Ve

ry

2 =

Som

ewha

t 3

= N

ot A

t All


92

Col

Va

riabl

e N

ame

(con

ditio

n, if

app

licab

le)

Que

stio

n R

espo

nses

Wav

es 1

– 6

Q

99: H

ow li

kely

is it

that

in th

e ne

xt c

oupl

e of

yea

rs y

ou (o

r you

r sp

ouse

/par

tner

) will

face

… |

A la

yoff,

une

mpl

oym

ent,

or fo

rced

re

duct

ion

in h

ours

30

5 X9

3D

Wav

es 1

3 –

21

Q93

: How

like

ly is

it th

at in

the

next

cou

ple

of y

ears

you

(or y

our

spou

se/p

artn

er) w

ill fa

ce…

| So

me

othe

r per

sona

l fin

anci

al c

risis

W

aves

7 –

12

Q92

: How

like

ly is

it th

at in

the

next

cou

ple

of y

ears

you

(or y

our

spou

se/p

artn

er) w

ill fa

ce…

| So

me

othe

r per

sona

l fin

anci

al c

risis

W

aves

1 –

6

Q99

: How

like

ly is

it th

at in

the

next

cou

ple

of y

ears

you

(or y

our

spou

se/p

artn

er) w

ill fa

ce…

| So

me

othe

r per

sona

l fin

anci

al c

risis

Wav

es 1

– 2

1 1

= Ve

ry

2 =

Som

ewha

t 3

= N

ot A

t All

306

X94A

W

aves

13

– 21

Q

94: I

f you

r hou

seho

ld fa

ced

an u

nexp

ecte

d pe

rson

al fi

nanc

ial c

risis

in

the

next

cou

ple

of y

ears

, how

like

ly is

it y

ou c

ould

… |

Pay

your

bills

fo

r the

nex

t 3 m

onth

s w

ithou

t bor

row

ing

Wav

es 7

– 1

2 Q

93: I

f you

r hou

seho

ld fa

ced

an u

nexp

ecte

d pe

rson

al fi

nanc

ial c

risis

in

the

next

cou

ple

of y

ears

, how

like

ly is

it y

ou c

ould

… |

Pay

your

bills

fo

r the

nex

t 3 m

onth

s w

ithou

t bor

row

ing

Wav

es 1

– 6

Q

100:

If y

our h

ouse

hold

face

d an

une

xpec

ted

pers

onal

fina

ncia

l cris

is in

th

e ne

xt c

oupl

e of

yea

rs, h

ow li

kely

is it

you

cou

ld…

| Pa

y yo

ur b

ills

for t

he n

ext 3

mon

ths

with

out b

orro

win

g

Wav

es 1

– 2

1 1

= Ve

ry

2 =

Som

ewha

t 3

= N

ot A

t All

307

X94B

W

aves

13

– 21

Q

94: I

f you

r hou

seho

ld fa

ced

an u

nexp

ecte

d pe

rson

al fi

nanc

ial c

risis

in

the

next

cou

ple

of y

ears

, how

like

ly is

it y

ou c

ould

… |

Get

sig

nific

ant

finan

cial

hel

p fro

m fa

mily

or f

riend

s W

aves

7 –

12

Q93

: If y

our h

ouse

hold

face

d an

une

xpec

ted

pers

onal

fina

ncia

l cris

is in

th

e ne

xt c

oupl

e of

yea

rs, h

ow li

kely

is it

you

cou

ld…

| G

et s

igni

fican

t fin

anci

al h

elp

from

fam

ily o

r frie

nds

Wav

es 1

– 6

Q

100:

If y

our h

ouse

hold

face

d an

une

xpec

ted

pers

onal

fina

ncia

l cris

is in

th

e ne

xt c

oupl

e of

yea

rs, h

ow li

kely

is it

you

cou

ld…

| G

et s

igni

fican

t fin

anci

al h

elp

from

fam

ily o

r frie

nds

Wav

es 1

– 2

1 1

= Ve

ry

2 =

Som

ewha

t 3

= N

ot A

t All


93

Col

Va

riabl

e N

ame

(con

ditio

n, if

app

licab

le)

Que

stio

n R

espo

nses

308

X94C

W

aves

13

– 21

Q

94: I

f you

r hou

seho

ld fa

ced

an u

nexp

ecte

d pe

rson

al fi

nanc

ial c

risis

in

the

next

cou

ple

of y

ears

, how

like

ly is

it y

ou c

ould

… |

Borro

w a

si

gnifi

cant

am

ount

from

a b

ank

or c

redi

t uni

on

Wav

es 1

1 –

12

Q93

: If y

our h

ouse

hold

face

d an

une

xpec

ted

pers

onal

fina

ncia

l cris

is in

th

e ne

xt c

oupl

e of

yea

rs, h

ow li

kely

is it

you

cou

ld…

| Bo

rrow

a

sign

ifica

nt a

mou

nt fr

om a

ban

k or

cre

dit u

nion

W

aves

7 –

10

Q93

: If y

our h

ouse

hold

face

d an

une

xpec

ted

pers

onal

fina

ncia

l cris

is in

th

e ne

xt c

oupl

e of

yea

rs, h

ow li

kely

is it

you

cou

ld…

| Bo

rrow

en

ough

mon

ey fr

om a

ban

k or

cre

dit u

nion

W

aves

1 –

6

Q10

0: If

you

r hou

seho

ld fa

ced

an u

nexp

ecte

d pe

rson

al fi

nanc

ial c

risis

in

the

next

cou

ple

of y

ears

, how

like

ly is

it y

ou c

ould

… |

Borro

w

enou

gh m

oney

from

a b

ank

or c

redi

t uni

on

Wav

es 1

– 2

1 1

= Ve

ry

2 =

Som

ewha

t 3

= N

ot A

t All

309

X94D

W

aves

13

– 21

Q

94: I

f you

r hou

seho

ld fa

ced

an u

nexp

ecte

d pe

rson

al fi

nanc

ial c

risis

in

the

next

cou

ple

of y

ears

, how

like

ly is

it y

ou c

ould

… |

Sign

ifica

ntly

in

crea

se y

our i

ncom

e W

aves

7 –

12

Q93

: If y

our h

ouse

hold

face

d an

une

xpec

ted

pers

onal

fina

ncia

l cris

is in

th

e ne

xt c

oupl

e of

yea

rs, h

ow li

kely

is it

you

cou

ld…

| Si

gnifi

cant

ly

incr

ease

you

r inc

ome

Wav

es 1

– 6

Q

100:

If y

our h

ouse

hold

face

d an

une

xpec

ted

pers

onal

fina

ncia

l cris

is in

th

e ne

xt c

oupl

e of

yea

rs, h

ow li

kely

is it

you

cou

ld…

| Si

gnifi

cant

ly

incr

ease

you

r inc

ome

Wav

es 1

– 2

1 1

= Ve

ry

2 =

Som

ewha

t 3

= N

ot A

t All


94

Part

B: S

uppl

emen

tal V

aria

bles

C

ol

Varia

ble

Nam

e (c

ondi

tion,

if a

pplic

able

) D

escr

iptio

n Va

lues

310

Ope

n_Ye

ar

Mor

tgag

e O

rigin

atio

n Ye

ar

2013

– 2

017

311

Ope

n_M

onth

M

ortg

age

Orig

inat

ion

Mon

th

1 =

Janu

ary

2 =

Febr

uary

3

= M

arch

4

= Ap

ril

5 =

May

6

= Ju

ne

7 =

July

8

= Au

gust

9

= Se

ptem

ber

10 =

Oct

ober

11

= N

ovem

ber

12 =

Dec

embe

r 31

2 Lo

an_A

mou

nt_C

at

Loan

Siz

e C

ateg

ory

1 =

Less

than

$50

,000

2

= $5

0,00

0 to

$99

,999

3

= $1

00,0

00 to

$14

9,99

9 4

= $1

50,0

00 to

$19

9,99

9 5

= $2

00,0

00 to

$24

9,99

9 6

= $2

50,0

00 to

$29

9,99

9 7

= $3

00,0

00 to

$34

9,99

9 8

= $3

50,0

00 to

$39

9,99

9 9

= $4

00,0

00 o

r mor

e 31

3 Ju

mbo

Fl

ag In

dica

ting

Jum

bo M

ortg

age

Loan

at O

rigin

atio

n In

dica

tes

whe

ther

the

loan

is c

lass

ified

as

a ju

mbo

for t

he re

gion

it is

in

1 =

Jum

bo (o

r non

-con

form

ing)

2

= N

on-ju

mbo

(or

conf

orm

ing)

314

Rat

e_Sp

read

M

ortg

age

Inte

rest

Rat

e Sp

read

at O

rigin

atio

n (P

erce

nt)

Prim

ary

Mor

tgag

e M

arke

t Rat

e (P

MM

S) a

t orig

inat

ion

min

us m

ortg

age

inte

rest

rate

at o

rigin

atio

n To

p- a

nd b

otto

m-c

oded

-1.5

– 1

.5

315

PMM

S Fr

eddi

e M

ac’s

Prim

ary

Mor

tgag

e M

arke

t Sur

vey

(PM

MS®

) Rat

e at

Orig

inat

ion

(Per

cent

) 2.

37 –

4.5

8

316

Term

M

ortg

age

Term

s (in

Yea

rs) a

t Orig

inat

ion

Orig

inal

term

of t

he m

ortg

age

in y

ears

, whe

re 0

yea

rs re

fers

to a

ny te

rm o

f le

ss th

an 1

yea

r, 1

year

refe

rs to

any

term

of l

ess

than

2 y

ears

, etc

.

0 –

40 y

ears


95

Col

Va

riabl

e N

ame

(con

ditio

n, if

app

licab

le)

Des

crip

tion

Valu

es

317

LTV

Mor

tgag

e Lo

an-to

-Val

ue (L

TV) R

atio

at O

rigin

atio

n (P

erce

nt)

Top

code

d 2

– 12

5

318

CLT

V M

ortg

age

Com

bine

d Lo

an-to

-Val

ue (C

LTV)

Rat

io a

t Orig

inat

ion

(Per

cent

) To

p co

ded

2 –

125

319

DTI

(w

hen

Term

>=

10

year

s)

Mor

tgag

e D

ebt-t

o-In

com

e (D

TI) R

atio

at O

rigin

atio

n To

p co

ded

and

code

d as

not

app

licab

le if

mor

tgag

e te

rm is

less

than

10

year

s.

1 –

100

-2 =

Not

app

licab

le (T

erm

<10

yea

rs)

320

PTI

(whe

n Te

rm >

= 10

ye

ars)

Mor

tgag

e Pa

ymen

t-to-

Inco

me

(PTI

) Rat

io a

t Orig

inat

ion

Top

code

d an

d co

ded

as n

ot a

pplic

able

if m

ortg

age

term

is le

ss th

an 1

0 ye

ars.

0 –

100

-2 =

Not

app

licab

le (T

erm

<10

yea

rs)

321

Loan

_Typ

e M

ortg

age

Type

1

= C

onve

ntio

nal

2 =

FHA

insu

red

3 =

VA g

uara

ntee

d 4

= FS

A/R

HS

insu

red

322

GSE

G

over

nmen

t Spo

nsor

ed E

nter

pris

e 1

= Fa

nnie

Mae

2

= Fr

eddi

e M

ac

3 =

Fede

ral

Hom

e Lo

an

Bank

-2

= N

ot a

pplic

able

323

CU

C

redi

t Uni

on

1 =

Yes

2 =

No

324

Met

ro_L

MI

Flag

Indi

catin

g M

etro

polit

an C

RA

Low

-to M

oder

ate

(LM

I) Tr

act

CR

A is

Com

mun

ity R

einv

estm

ent A

ct

1 =

Met

ropo

litan

CR

A no

n-

LMI t

ract

2

= M

etro

polit

an C

RA

LMI

tract

3

= N

on-m

etro

polit

an tr

act

325

Bor

row

er_N

um

Num

ber o

f Bor

row

ers

at O

rigin

atio

n 1

= 1

borro

wer

2

= 2

borro

wer

s 3

= 3

borro

wer

s 4

= 4

borro

wer

s 32

6 32

7 Bo

rrow

er_R

B

orro

wer

_S

Flag

Indi

catin

g R

espo

nden

t is

a Bo

rrow

er

Flag

Indi

catin

g Sp

ouse

/Par

tner

is a

Bor

row

er

1 =

Borro

wer

2

= N

on-b

orro

wer

-2

= N

ot a

pplic

able


96

Col

Va

riabl

e N

ame

(con

ditio

n, if

app

licab

le)

Des

crip

tion

Valu

es

328

329

330

Age_

O1

Age_

O2

Age_

O3

Age

| Oth

er B

orro

wer

s 1

Ag

e | O

ther

Bor

row

ers

2

Age

| Oth

er B

orro

wer

s 3

Thes

e ar

e bo

rrow

ers

on th

e m

ortg

age

who

are

not

the

surv

ey re

spon

dent

or

spou

se/p

artn

er.

18 –

99

-2 =

Not

app

licab

le

331

332

333

Sex_

O1

Sex_

O2

Sex_

O3

Sex

| Oth

er B

orro

wer

s 1

Se

x | O

ther

Bor

row

ers

2

Sex

| Oth

er B

orro

wer

s 3

Thes

e ar

e bo

rrow

ers

on th

e m

ortg

age

who

are

not

the

surv

ey re

spon

dent

or

spou

se/p

artn

er.

1 =

Mal

e 2

= Fe

mal

e -2

= N

ot a

pplic

able

334

335

336

337

338

Firs

t_M

ort_

R

Firs

t_M

ort_

S Fi

rst_

Mor

t_O

1 Fi

rst_

Mor

t_O

2 Fi

rst_

Mor

t_O

3

Flag

Indi

catin

g Fi

rst M

ortg

age

in C

redi

t File

| R

espo

nden

t Fl

ag In

dica

ting

Firs

t Mor

tgag

e in

Cre

dit F

ile |

Spou

se/P

artn

er

Flag

Indi

catin

g Fi

rst M

ortg

age

in C

redi

t File

| O

ther

Bor

row

er 1

Fl

ag In

dica

ting

Firs

t Mor

tgag

e in

Cre

dit F

ile |

Oth

er B

orro

wer

2

Flag

Indi

catin

g Fi

rst M

ortg

age

in C

redi

t File

| O

ther

Bor

row

er 3

1 =

Firs

t mor

tgag

e in

cre

dit

file

2 =

Not

a fi

rst m

ortg

age

in

cred

it fil

e -2

= N

ot a

pplic

able

33

9 34

0 34

1 34

2 34

3

Scor

e_O

rig_R

Sc

ore_

Orig

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Scor

e_O

rig_O

1 Sc

ore_

Orig

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Scor

e_O

rig_O

3

Vant

ageS

core

3.0

at O

rigin

atio

n | R

espo

nden

t Va

ntag

eSco

re 3

.0 a

t Orig

inat

ion

| Spo

use/

Partn

er

Vant

ageS

core

3.0

at O

rigin

atio

n | O

ther

Bor

row

er 1

Va

ntag

eSco

re 3

.0 a

t Orig

inat

ion

| Oth

er B

orro

wer

2

Vant

ageS

core

3.0

at O

rigin

atio

n | O

ther

Bor

row

er 3

300

– 85

0 -2

= N

ot a

pplic

able


97

Col

Va

riabl

e N

ame

(con

ditio

n, if

app

licab

le)

Des

crip

tion

Valu

es

344

345

346

347

348

349

350

351

352

353

354

355

356

357

358

359

360

361

362

363

364

365

366

367

368

369

370

Scor

e_03

13_R

Sc

ore_

0613

_R

Scor

e_09

13_R

Sc

ore_

1213

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Scor

e_03

14_R

Sc

ore_

0614

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Scor

e_09

14_R

Sc

ore_

1214

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Scor

e_03

15_R

Sc

ore_

0615

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Scor

e_09

15_R

Sc

ore_

1215

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Scor

e_03

16_R

Sc

ore_

0616

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Scor

e_09

16_R

Sc

ore_

1216

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Scor

e_03

17_R

Sc

ore_

0617

_R

Scor

e_09

17_R

Sc

ore_

1217

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Scor

e_03

18_R

Sc

ore_

0618

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Scor

e_09

18_R

Sc

ore_

1218

_R

Scor

e_03

19_R

Sc

ore_

0619

_R

Scor

e_09

19_R

Vant

ageS

core

3.0

in M

arch

201

3 | R

espo

nden

t Va

ntag

eSco

re 3

.0 in

Jun

e 20

13 |

Res

pond

ent

Vant

ageS

core

3.0

in S

epte

mbe

r 201

3 | R

espo

nden

t Va

ntag

eSco

re 3

.0 in

Dec

embe

r 201

3 | R

espo

nden

t Va

ntag

eSco

re 3

.0 in

Mar

ch 2

014

| Res

pond

ent

Vant

ageS

core

3.0

in J

une

2014

| R

espo

nden

t Va

ntag

eSco

re 3

.0 in

Sep

tem

ber 2

014

| Res

pond

ent

Vant

ageS

core

3.0

in D

ecem

ber 2

014

| Res

pond

ent

Vant

ageS

core

3.0

in M

arch

201

5 | R

espo

nden

t Va

ntag

eSco

re 3

.0 in

Jun

e 20

15 |

Res

pond

ent

Vant

ageS

core

3.0

in S

epte

mbe

r 201

5 | R

espo

nden

t Va

ntag

eSco

re 3

.0 in

Dec

embe

r 201

5 | R

espo

nden

t Va

ntag

eSco

re 3

.0 in

Mar

ch 2

016

| Res

pond

ent

Vant

ageS

core

3.0

in J

une

2016

| R

espo

nden

t Va

ntag

eSco

re 3

.0 in

Sep

tem

ber 2

016

| Res

pond

ent

Vant

ageS

core

3.0

in D

ecem

ber 2

016

| Res

pond

ent

Vant

ageS

core

3.0

in M

arch

201

7 | R

espo

nden

t Va

ntag

eSco

re 3

.0 in

Jun

e 20

17 |

Res

pond

ent

Vant

ageS

core

3.0

in S

epte

mbe

r 201

7 | R

espo

nden

t Va

ntag

eSco

re 3

.0 in

Dec

embe

r 201

7 | R

espo

nden

t Va

ntag

eSco

re 3

.0 in

Mar

ch 2

018

| Res

pond

ent

Vant

ageS

core

3.0

in J

une

2018

| R

espo

nden

t Va

ntag

eSco

re 3

.0 in

Sep

tem

ber 2

018

| Res

pond

ent

Vant

ageS

core

3.0

in D

ecem

ber 2

018

| Res

pond

ent

Vant

ageS

core

3.0

in M

arch

201

9 | R

espo

nden

t Va

ntag

eSco

re 3

.0 in

Jun

e 20

19 |

Res

pond

ent

Vant

ageS

core

3.0

in S

epte

mbe

r 201

9 | R

espo

nden

t

300

– 85

0 . =

No

scor

e in

cre

dit f

ile

-2 =

Not

app

licab

le


98

Col

Va

riabl

e N

ame

(con

ditio

n, if

app

licab

le)

Des

crip

tion

Valu

es

371

372

373

374

375

376

377

378

379

380

381

382

383

384

385

386

387

388

389

390

391

392

393

394

395

396

397

Scor

e_03

13_S

Sc

ore_

0613

_S

Scor

e_09

13_S

Sc

ore_

1213

_S

Scor

e_03

14_S

Sc

ore_

0614

_S

Scor

e_09

14_S

Sc

ore_

1214

_S

Scor

e_03

15_S

Sc

ore_

0615

_S

Scor

e_09

15_S

Sc

ore_

1215

_S

Scor

e_03

16_S

Sc

ore_

0616

_S

Scor

e_09

16_S

Sc

ore_

1216

_S

Scor

e_03

17_S

Sc

ore_

0617

_S

Scor

e_09

17_S

Sc

ore_

1217

_S

Scor

e_03

18_S

Sc

ore_

0618

_S

Scor

e_09

18_S

Sc

ore_

1218

_S

Scor

e_03

19_S

Sc

ore_

0619

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Scor

e_09

19_S

Vant

ageS

core

3.0

in M

arch

201

3 | S

pous

e/Pa

rtner

Va

ntag

eSco

re 3

.0 in

Jun

e 20

13 |

Spou

se/P

artn

er

Vant

ageS

core

3.0

in S

epte

mbe

r 201

3 | S

pous

e/Pa

rtner

Va

ntag

eSco

re 3

.0 in

Dec

embe

r 201

3 | S

pous

e/Pa

rtner

Va

ntag

eSco

re 3

.0 in

Mar

ch 2

014

| Spo

use/

Partn

er

Vant

ageS

core

3.0

in J

une

2014

| Sp

ouse

/Par

tner

Va

ntag

eSco

re 3

.0 in

Sep

tem

ber 2

014

| Spo

use/

Partn

er

Vant

ageS

core

3.0

in D

ecem

ber 2

014

| Spo

use/

Partn

er

Vant

ageS

core

3.0

in M

arch

201

5 | S

pous

e/Pa

rtner

Va

ntag

eSco

re 3

.0 in

Jun

e 20

15 |

Spou

se/P

artn

er

Vant

ageS

core

3.0

in S

epte

mbe

r 201

5 | S

pous

e/Pa

rtner

Va

ntag

eSco

re 3

.0 in

Dec

embe

r 201

5 | S

pous

e/Pa

rtner

Va

ntag

eSco

re 3

.0 in

Mar

ch 2

016

| Spo

use/

Partn

er

Vant

ageS

core

3.0

in J

une

2016

| Sp

ouse

/Par

tner

Va

ntag

eSco

re 3

.0 in

Sep

tem

ber 2

016

| Spo

use/

Partn

er

Vant

ageS

core

3.0

in D

ecem

ber 2

016

| Spo

use/

Partn

er

Vant

ageS

core

3.0

in M

arch

201

7 | S

pous

e/Pa

rtner

Va

ntag

eSco

re 3

.0 in

Jun

e 20

17 |

Spou

se/P

artn

er

Vant

ageS

core

3.0

in S

epte

mbe

r 201

7 | S

pous

e/Pa

rtner

Va

ntag

eSco

re 3

.0 in

Dec

embe

r 201

7 | S

pous

e/Pa

rtner

Va

ntag

eSco

re 3

.0 in

Mar

ch 2

018

| Spo

use/

Partn

er

Vant

ageS

core

3.0

in J

une

2018

| Sp

ouse

/Par

tner

Va

ntag

eSco

re 3

.0 in

Sep

tem

ber 2

018

| Spo

use/

Partn

er

Vant

ageS

core

3.0

in D

ecem

ber 2

018

| Spo

use/

Partn

er

Vant

ageS

core

3.0

in M

arch

201

9 | S

pous

e/Pa

rtner

Va

ntag

eSco

re 3

.0 in

Jun

e 20

19 |

Spou

se/P

artn

er

Vant

ageS

core

3.0

in S

epte

mbe

r 201

9 | S

pous

e/Pa

rtner

300

– 85

0 . =

No

scor

e in

cre

dit f

ile

-2 =

Not

app

licab

le


99

Col

Va

riabl

e N

ame

(con

ditio

n, if

app

licab

le)

Des

crip

tion

Valu

es

398

399

400

401

402

403

404

405

406

407

408

409

410

411

412

413

414

415

416

417

418

419

420

421

422

423

424

Perf

_Sta

tus_

0313

Pe

rf_S

tatu

s_06

13

Perf

_Sta

tus_

0913

Pe

rf_S

tatu

s_12

13

Perf

_Sta

tus_

0314

Pe

rf_S

tatu

s_06

14

Perf

_Sta

tus_

0914

Pe

rf_S

tatu

s_12

14

Perf

_Sta

tus_

0315

Pe

rf_S

tatu

s_06

15

Perf

_Sta

tus_

0915

Pe

rf_S

tatu

s_12

15

Perf

_Sta

tus_

0316

Pe

rf_S

tatu

s_06

16

Perf

_Sta

tus_

0916

Pe

rf_S

tatu

s_12

16

Perf

_Sta

tus_

0317

Pe

rf_S

tatu

s_06

17

Perf

_Sta

tus_

0917

Pe

rf_S

tatu

s_12

17

Perf

_Sta

tus_

0318

Pe

rf_S

tatu

s_06

18

Perf

_Sta

tus_

0918

Pe

rf_S

tatu

s_12

18

Perf

_Sta

tus_

0319

Pe

rf_S

tatu

s_06

19

Perf

_Sta

tus_

0919

Mor

tgag

e Pe

rform

ance

Sta

tus

in M

arch

201

3 M

ortg

age

Perfo

rman

ce S

tatu

s in

Jun

e 20

13

Mor

tgag

e Pe

rform

ance

Sta

tus

in S

epte

mbe

r 201

3 M

ortg

age

Perfo

rman

ce S

tatu

s in

Dec

embe

r 201

3 M

ortg

age

Perfo

rman

ce S

tatu

s in

Mar

ch 2

014

Mor

tgag

e Pe

rform

ance

Sta

tus

in J

une

2014

M

ortg

age

Perfo

rman

ce S

tatu

s in

Sep

tem

ber 2

014

Mor

tgag

e Pe

rform

ance

Sta

tus

in D

ecem

ber 2

014

Mor

tgag

e Pe

rform

ance

Sta

tus

in M

arch

201

5 M

ortg

age

Perfo

rman

ce S

tatu

s in

Jun

e 20

15

Mor

tgag

e Pe

rform

ance

Sta

tus

in S

epte

mbe

r 201

5 M

ortg

age

Perfo

rman

ce S

tatu

s in

Dec

embe

r 201

5 M

ortg

age

Perfo

rman

ce S

tatu

s in

Mar

ch 2

016

Mor

tgag

e Pe

rform

ance

Sta

tus

in J

une

2016

M

ortg

age

Perfo

rman

ce S

tatu

s in

Sep

tem

ber 2

016

Mor

tgag

e Pe

rform

ance

Sta

tus

in D

ecem

ber 2

016

Mor

tgag

e Pe

rform

ance

Sta

tus

in M

arch

201

7 M

ortg

age

Perfo

rman

ce S

tatu

s in

Jun

e 20

17

Mor

tgag

e Pe

rform

ance

Sta

tus

in S

epte

mbe

r 201

7 M

ortg

age

Perfo

rman

ce S

tatu

s in

Dec

embe

r 201

7 M

ortg

age

Perfo

rman

ce S

tatu

s in

Mar

ch 2

018

Mor

tgag

e Pe

rform

ance

Sta

tus

in J

une

2018

M

ortg

age

Perfo

rman

ce S

tatu

s in

Sep

tem

ber 2

018

Mor

tgag

e Pe

rform

ance

Sta

tus

in D

ecem

ber 2

018

Mor

tgag

e Pe

rform

ance

Sta

tus

in M

arch

201

9 M

ortg

age

Perfo

rman

ce S

tatu

s in

Jun

e 20

19

Mor

tgag

e Pe

rform

ance

Sta

tus

in S

epte

mbe

r 201

9

'1' =

30

to 5

9 da

ys p

ast d

ue

date

'2

' = 6

0 to

89

days

pas

t due

da

te

'3' =

90

to 1

19 d

ays

past

due

da

te

'4' =

120

to 1

49 d

ays

past

due

da

te

'5' =

150

to 1

79 d

ays

past

due

da

te

'6' =

180

or m

ore

days

pas

t du

e da

te

'7' =

Ban

krup

tcy

Cha

pter

1'

'8' =

For

eclo

sure

pro

ceed

ing

star

ted,

dee

d in

lieu

, fo

recl

osur

e, v

olun

tary

su

rrend

er, r

epos

sess

ion

'9' =

Ban

krup

tcy

Cha

pter

7, 1

1,

12, s

ettle

d, in

sura

nce

clai

m, t

erm

ben

efit,

go

vern

men

t cla

im, p

aid

by

deal

er, c

olle

ctio

n, c

harg

e of

f 'A

' = P

erfo

rman

ce h

isto

ry n

o lo

nger

bei

ng re

porte

d (in

m

ost c

ases

afte

r loa

n cl

osed

) 'B

' = L

oan

pote

ntia

lly c

lose

d ar

ound

the

quar

ter

'C' =

Cur

rent

'K

' = L

oan

open

ed,

perfo

rman

ce h

as n

ot y

et

been

repo

rted

by th

e se

rvic

er to

the

cred

it bu

reau


100

Col

Va

riabl

e N

ame

(con

ditio

n, if

app

licab

le)

Des

crip

tion

Valu

es

See

clo

se_s

tatu

s_06

18, c

lose

_yea

r and

clo

se_m

onth

for c

larif

icat

ion

of

code

s A

and

B.

'M' =

Per

form

ance

mis

sing

for

mon

th, g

ap b

etw

een

arch

ive

hist

orie

s (o

ften

occu

rs w

hen

loan

s ar

e tra

nsfe

rred

or a

s a

resu

lt of

ban

krup

tcy)

'P

' = P

erfo

rman

ce h

isto

ry n

ot

yet s

tarte

d (b

efor

e lo

an

open

ed)

'S' =

Per

form

ance

for m

onth

su

ppre

ssed

by

the

serv

icer

42

5 C

lose

_Yea

r M

ortg

age

Term

inat

ion

Year

20

13 –

201

9 -2

= N

ot A

pplic

able

(ope

n lo

ans)

42

6 C

lose

_Mon

th

Mor

tgag

e Te

rmin

atio

n M

onth

1

= Ja

nuar

y 2

= Fe

brua

ry

3 =

Mar

ch

4 =

April

5

= M

ay

6 =

June

7

= Ju

ly

8 =

Augu

st

9 =

Sept

embe

r 10

= O

ctob

er

11 =

Nov

embe

r 12

= D

ecem

ber

-2 =

Not

app

licab

le

427

Clo

se_S

tatu

s_09

19

Mor

tgag

e Te

rmin

atio

n St

atus

as

of J

une

2019

1

= M

ortg

age

Ope

n 2

= M

ortg

age

Term

inat

ed


101

Section 2: Tabulations Unweighted tabulations of each of the 427 variables are shown in this section in the same order they appear in the codebook section. Tabulations of continuous variables are shown in bands even though the variables themselves have discrete values.


103

NSMO Identification Number

nsmoid Count Percent

200001-229962: 200001 to 229962 29,962 100.0

NSMO Survey Wave (Quarterly)

survey_wave Count Percent

1 : 2014 Q1 4,628 15.4

2 : 2014 Q2 923 3.1

3 : 2014 Q3 1,833 6.1

4 : 2014 Q4 1,658 5.5

5 : 2015 Q1 1,863 6.2

6 : 2015 Q2 1,225 4.1

7 : 2015 Q3 1,814 6.1

8 : 2015 Q4 1,697 5.7

9 : 2016 Q1 1,653 5.5

10: 2016 Q2 1,524 5.1

11: 2016 Q3 1,524 5.1

12: 2016 Q4 1,519 5.1

13: 2017 Q1 1,628 5.4

14: 2017 Q2 1,469 4.9

15: 2017 Q3 1,256 4.2

16: 2017 Q4 1,268 4.2

17: 2018 Q1 1,397 4.7

18: 2018 Q2 945 3.2

19: 2018 Q3 130 0.4

20: 2018 Q4 5 0.0

21: 2019 Q1 3 0.0

NSMO Analysis Weight (Sampling Weight x Non-response Adjustment)

analysis_weight Count Percent

442.15 - 702.67 : 442.15 to 702.67 7,187 24.0

702.68 - 928.59 : 702.68 to 928.59 7,434 24.8

928.60 - 1383.07: 928.60 to 1383.07 7,896 26.4

1383.08 - 4580.76: 1383.08 to 4580.76 7,445 24.8


105

X05A: When you began the process of getting this mortgage, how familiar were you (and anyco-signers) with each of the following? | The mortgage interest rates available at that time

x05a Count Percent

1 : Very 18,731 62.5

2 : Somewhat 9,758 32.6

3 : Not at all 1,473 4.9

X05B: When you began the process of getting this mortgage, how familiar were you (and anyco-signers) with each of the following? | The different types of mortgages available

x05b Count Percent

1 : Very 14,833 49.5

2 : Somewhat 12,117 40.4

3 : Not at all 3,012 10.1

X05C: When you began the process of getting this mortgage, how familiar were you (and anyco-signers) with each of the following? | The mortgage process

x05c Count Percent

1 : Very 16,662 55.6

2 : Somewhat 10,529 35.1

3 : Not at all 2,771 9.2

X05D: When you began the process of getting this mortgage, how familiar were you (and anyco-signers) with each of the following? | The down payment needed to qualify for a mortgage

x05d Count Percent

1 : Very 18,359 61.3

2 : Somewhat 9,061 30.2

3 : Not at all 2,542 8.5

X05E: When you began the process of getting this mortgage, how familiar were you (and anyco-signers) with each of the following? | The income needed to qualify for a mortgage

x05e Count Percent

1 : Very 17,827 59.5

2 : Somewhat 9,847 32.9

3 : Not at all 2,288 7.6


106

X05F: When you began the process of getting this mortgage, how familiar were you (and anyco-signers) with each of the following? | Your credit history or credit score

x05f Count Percent

1 : Very 23,505 78.4

2 : Somewhat 5,734 19.1

3 : Not at all 723 2.4

X05G: When you began the process of getting this mortgage, how familiar were you (and anyco-signers) with each of the following? | The money needed at closing

x05g Count Percent

1 : Very 16,187 54.0

2 : Somewhat 10,533 35.2

3 : Not at all 3,242 10.8

X06: When you began the process of getting this mortgage, how concerned were you aboutqualifying for a mortgage?

x06 Count Percent

1 : Very 4,197 14.0

2 : Somewhat 8,619 28.8

3 : Not at all 17,146 57.2

X07: How firm an idea did you have about the mortgage you wanted?

x07 Count Percent

1: Firm idea 18,774 62.7

2: Some idea 9,695 32.4

3: Little idea 1,493 5.0

X08A: How much did you use each of the following sources to get information about mortgages ormortgage lenders? | Your mortgage lender/broker

x08a Count Percent

1 : A lot 21,119 70.5

2 : A little 6,112 20.4

3 : Not at all 2,731 9.1


107

X08B: How much did you use each of the following sources to get information about mortgages ormortgage lenders? | Other mortgage lenders/brokers

x08b Count Percent

1 : A lot 2,772 9.3

2 : A little 9,603 32.1

3 : Not at all 17,587 58.7

X08C: How much did you use each of the following sources to get information about mortgages ormortgage lenders? | Real estate agents or builders

x08c Count Percent

1 : A lot 5,502 18.4

2 : A little 6,659 22.2

3 : Not at all 17,801 59.4

X08D: How much did you use each of the following sources to get information about mortgages ormortgage lenders? | Material in the mail

x08d Count Percent

1 : A lot 1,062 3.5

2 : A little 3,724 12.4

3 : Not at all 25,176 84.0

X08E: How much did you use each of the following sources to get information about mortgages ormortgage lenders? | Websites that provide information on getting a mortgage

x08e Count Percent

1 : A lot 5,779 19.3

2 : A little 9,149 30.5

3 : Not at all 15,034 50.2

X08F: How much did you use each of the following sources to get information about mortgages ormortgage lenders? | Newspaper/TV/Radio

x08f Count Percent

-3: Not asked in wave 7,384 24.6

1 : A lot 494 1.6

2 : A little 2,199 7.3

3 : Not at all 19,885 66.4


108

X08G: How much did you use each of the following sources to get information about mortgages ormortgage lenders? | Friends/relatives/co-workers

x08g Count Percent

1 : A lot 3,820 12.7

2 : A little 8,652 28.9

3 : Not at all 17,490 58.4

X08H: How much did you use each of the following sources to get information about mortgages ormortgage lenders? | Bankers, credit unions or financial planners

x08h Count Percent

1 : A lot 3,970 13.3

2 : A little 6,342 21.2

3 : Not at all 19,650 65.6

X08I: How much did you use each of the following sources to get information about mortgages ormortgage lenders? | Housing counselors

x08i Count Percent

1 : A lot 404 1.3

2 : A little 1,060 3.5

3 : Not at all 28,498 95.1

X09: Which one of the following best describes your shopping process?

x09 Count Percent

1: I picked the loan type first, and then I picked the mortgagelender/broker

9,247 30.9

2: I picked the mortgage lender/broker first, and then I picked the loantype

20,715 69.1

X10: Which one of the following best describes how you applied for this mortgage?

x10 Count Percent

1: Directly to a lender, such as a bank or credit union 19,269 64.3

2: Through a mortgage broker who works with multiple lenders to get you aloan

10,545 35.2

3: Through a builder who arranged financing 148 0.5


109

X11: How many different mortgage lenders/brokers did you seriously consider before choosingwhere to apply for this mortgage?

x11 Count Percent

1: 1 14,782 49.3

2: 2 10,493 35.0

3: 3 3,844 12.8

4: 4 530 1.8

5: 5 or more 313 1.0

X12: How many different mortgage lenders/brokers did you end up applying to?

x12 Count Percent

1: 1 23,333 77.9

2: 2 5,342 17.8

3: 3 1,010 3.4

4: 4 177 0.6

5: 5 or more 100 0.3

X13A: Did you apply to more than one mortgage lender/broker for any of the following reasons?| Searching for better loan terms

x13a Count Percent

-2: Not applicable 23,333 77.9

1 : Yes 5,358 17.9

2 : No 1,271 4.2

X13B: Did you apply to more than one mortgage lender/broker for any of the following reasons?| Concern over qualifying for a loan

x13b Count Percent


1 : Yes 1,858 6.2

2 : No 4,771 15.9

X13C: Did you apply to more than one mortgage lender/broker for any of the following reasons?| Information learned from the 'Loan Estimate'

x13c Count Percent


1 : Yes 2,067 6.9

2 : No 4,562 15.2


110

X13D: Did you apply to more than one mortgage lender/broker for any of the following reasons?| Turned down on earlier application

x13d Count Percent


1 : Yes 1,301 4.3

2 : No 5,328 17.8

X14A: How important were each of the following in choosing the mortgage lender/broker you usedfor the mortgage you took out? | Having an established banking relationship (Waves 7-21)

x14a Count Percent


1 : Important 10,079 33.6

2 : Not important 7,753 25.9

X14A_1: How important were each of the following in choosing the lender/broker you used forthe mortgage you took out? | Having an established banking relationship (Waves 1-6)

x14a_1 Count Percent


1 : Very 5,455 18.2

2 : Somewhat 2,842 9.5

3 : Not at all 3,833 12.8

X14B: How important were each of the following in choosing the mortgage lender/broker you usedfor the mortgage you took out? | Having a local office or branch nearby (Waves 7-21)

x14b Count Percent


1 : Important 8,888 29.7


X14B_1: How important were each of the following in choosing the lender/broker you used forthe mortgage you took out? | Having a local office or branch nearby (Waves 1-6)

x14b_1 Count Percent


1 : Very 4,365 14.6

2 : Somewhat 2,938 9.8

3 : Not at all 4,827 16.1


111

X14C: How important were each of the following in choosing the mortgage lender/broker you usedfor the mortgage you took out? | Used previously to get a mortgage (Waves 7-21)

x14c Count Percent


1 : Important 6,979 23.3


X14C_1: How important were each of the following in choosing the lender/broker you used forthe mortgage you took out? | Used previously to get a mortgage (Waves 1-6)

x14c_1 Count Percent


1 : Very 4,018 13.4

2 : Somewhat 1,575 5.3

3 : Not at all 6,537 21.8

X14D: How important were each of the following in choosing the mortgage lender/broker you usedfor the mortgage you took out? | Mortgage lender/broker is a personal friend or relative(Waves 7-21)

x14d Count Percent


1 : Important 2,485 8.3


X14D_1: How important were each of the following in choosing the lender/broker you used forthe mortgage you took out? | Lender/broker is a personal friend or relative (Waves 1-6)

x14d_1 Count Percent


1 : Very 1,059 3.5

2 : Somewhat 1,163 3.9

3 : Not at all 9,908 33.1

X14E: How important were each of the following in choosing the mortgage lender/broker you usedfor the mortgage you took out? | Paperless online mortgage process (Waves 19-21)

x14e Count Percent


1 : Important 46 0.2

2 : Not important 92 0.3


112

X14F: How important were each of the following in choosing the mortgage lender/broker you usedfor the mortgage you took out? | Recommendation from a friend/relative/co-worker (Waves 7-21)

x14f Count Percent


1 : Important 6,448 21.5


X14F_1: How important were each of the following in choosing the lender/broker you used forthe mortgage you took out? | Recommendation from a friend/relative/co-worker (Waves 1-6)

x14f_1 Count Percent


1 : Very 2,358 7.9

2 : Somewhat 2,178 7.3

3 : Not at all 7,594 25.3

X14G: How important were each of the following in choosing the mortgage lender/broker you usedfor the mortgage you took out? | Recommendation from a real estate agent/home builder (Waves7-21)

x14g Count Percent


1 : Important 6,067 20.2


X14G_1: How important were each of the following in choosing the lender/broker you used forthe mortgage you took out? | Recommendation from a real estate agent/home builder (Waves 1-6)

x14g_1 Count Percent


1 : Very 2,261 7.5

2 : Somewhat 1,793 6.0

3 : Not at all 8,076 27.0

X14H: How important were each of the following in choosing the mortgage lender/broker you usedfor the mortgage you took out? | Reputation of the lender/mortgage broker (Waves 7-21)

x14h Count Percent


1 : Important 12,714 42.4



113

X14H_1: How important were each of the following in choosing the lender/broker you used forthe mortgage you took out? | Reputation of the lender/broker (Waves 1-6)

x14h_1 Count Percent


1 : Very 4,951 16.5

2 : Somewhat 3,239 10.8

3 : Not at all 3,940 13.1

X14I: How important were each of the following in choosing the mortgage lender/broker you usedfor the mortgage you took out? | Spoke my primary language, which is not English (Waves 7-21)

x14i Count Percent


1 : Important 1,941 6.5


X14I_1: How important were each of the following in choosing the lender/broker you used forthe mortgage you took out? | Spoke my primary language, which is not English (Waves 1-6)

x14i_1 Count Percent


1 : Very 674 2.2

2 : Somewhat 355 1.2

3 : Not at all 11,101 37.1

X14J: How important were each of the following in choosing the mortgage lender/broker you usedfor the mortgage you took out? | Could provide documents in my primary language, which is notEnglish (Waves 13-21)

x14j Count Percent


1 : Important 535 1.8


X15: Who initiated the first contact between you and the mortgage lender/broker you used forthe mortgage you took out?

x15 Count Percent

1: I (or one of my co-signers) did 20,724 69.2

2: The mortgage lender/broker did 4,174 13.9

3: We were put in contact by a third party (such as a real estate agent orhome builder)

5,064 16.9


114

X16: How open were you to suggestions from your mortgage lender/broker about mortgages withdifferent features or terms?

x16 Count Percent

1 : Very 14,627 48.8

2 : Somewhat 12,334 41.2

3 : Not at all 3,001 10.0

X17A: How important were each of the following in determining the mortgage you took out? |Lower interest rate (Waves 7-21)

x17a Count Percent


1 : Important 17,401 58.1

2 : Not important 431 1.4

X17A_1: How important were each of the following in determining the mortgage you took out? |Low interest rate (Waves 1-6)



1 : Very 11,340 37.8


3 : Not at all 80 0.3

X17B: How important were each of the following in determining the mortgage you took out? |Lower APR (Annual Percentage Rate) (Waves 7-21)

x17b Count Percent


1 : Important 15,530 51.8


X17B_1: How important were each of the following in determining the mortgage you took out? |Low APR (Annual Percentage Rate) (Waves 1-6)



1 : Very 9,847 32.9

2 : Somewhat 1,531 5.1

3 : Not at all 752 2.5


115

X17C: How important were each of the following in determining the mortgage you took out? |Lower closing fees (Waves 7-21)

x17c Count Percent


1 : Important 14,895 49.7


X17C_1: How important were each of the following in determining the mortgage you took out? |Low closing fees (Waves 1-6)



1 : Very 8,450 28.2

2 : Somewhat 3,016 10.1

3 : Not at all 664 2.2

X17D: How important were each of the following in determining the mortgage you took out? |Lower down payment (Waves 7-21)

x17d Count Percent


1 : Important 10,467 34.9


X17D_1: How important were each of the following in determining the mortgage you took out? |Low down payment(Waves 1-6)



1 : Very 5,745 19.2

2 : Somewhat 2,849 9.5

3 : Not at all 3,536 11.8

X17E: How important were each of the following in determining the mortgage you took out? |Lower monthly payment (Waves 7-21)

x17e Count Percent


1 : Important 14,144 47.2



116

X17E_1: How important were each of the following in determining the mortgage you took out? |Low monthly payment (Waves 1-6)

x17e_1 Count Percent


1 : Very 7,610 25.4

2 : Somewhat 3,121 10.4

3 : Not at all 1,399 4.7

X17F: How important were each of the following in determining the mortgage you took out? | Aninterest rate fixed for the life of the loan (Waves 7-21)

x17f Count Percent


1 : Important 15,896 53.1


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)



1 : Very 10,318 34.4

2 : Somewhat 1,121 3.7

3 : Not at all 691 2.3

X17G: How important were each of the following in determining the mortgage you took out? | Aterm of 30 years (Waves 7-21)

x17g Count Percent


1 : Important 10,478 35.0


X17G_1: How important were each of the following in determining the mortgage you took out? | Aterm of less than 30 years (Waves 1-6)

x17g_1 Count Percent


1 : Very 4,137 13.8

2 : Somewhat 2,909 9.7

3 : Not at all 5,084 17.0


117

X17H: How important were each of the following in determining the mortgage you took out? | Nomortgage insurance (Waves 7-21)

x17h Count Percent


1 : Important 10,018 33.4


X17H_1: How important were each of the following in determining the mortgage you took out? |No mortgage insurance (Waves 1-6)

x17h_1 Count Percent


1 : Very 5,018 16.7

2 : Somewhat 2,837 9.5

3 : Not at all 4,275 14.3

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 7-21)

x18 Count Percent


-1: Don't know 5,534 18.5

1 : Yes 5,620 18.8

2 : No 6,678 22.3

X19: Did the 'Your home loan toolkit' booklet lead you to ask additional questions about yourmortgage terms? (Waves 7-21)

x19 Count Percent



1 : Yes 1,651 5.5

2 : No 3,969 13.2

X20A: In the process of getting this mortgage from your mortgage lender/broker, did you... |Have to add another co-signer to qualify (Waves 7-21)

x20a Count Percent


1 : Yes 1,120 3.7

2 : No 16,712 55.8


118

X20B: In the process of getting this mortgage from your mortgage lender/broker, did you... |Resolve credit report errors or problems

x20b Count Percent

1 : Yes 4,890 16.3

2 : No 25,072 83.7

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

x20c Count Percent

1 : Yes 17,803 59.4

2 : No 12,159 40.6

X20D: In the process of getting this mortgage from your mortgage lender/broker, did you... |Have more than one appraisal

x20d Count Percent

1 : Yes 1,957 6.5

2 : No 28,005 93.5

X20E: In the process of getting this mortgage from your mortgage lender/broker, did you... |Redo/refile paperwork due to processing delays

x20e Count Percent

1 : Yes 5,419 18.1

2 : No 24,543 81.9

X20F: In the process of getting this mortgage from your mortgage lender/broker, did you... |Delay or postpone closing date

x20f Count Percent

1 : Yes 6,456 21.5

2 : No 23,506 78.5

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 5-21)

x20g Count Percent


1 : Yes 4,954 16.5

2 : No 15,966 53.3


119

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 7-21)

x20h Count Percent


1 : Yes 5,396 18.0

2 : No 12,436 41.5

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 13-21)

x20i Count Percent


1 : Yes 397 1.3

2 : No 7,704 25.7

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 13-21)

x20j Count Percent


1 : Yes 153 0.5

2 : No 7,948 26.5

X21A: Was the 'Loan Estimate' you received from your mortgage lender/broker... | Easy tounderstand

x21a Count Percent

1 : Yes 27,047 90.3

2 : No 2,915 9.7

X21B: Was the 'Loan Estimate' you received from your mortgage lender/broker... | Valuableinformation

x21b Count Percent

1 : Yes 25,922 86.5

2 : No 4,040 13.5

X22A: Did the 'Loan Estimate' lead you to... | Ask questions of your mortgage lender/broker

x22a Count Percent

1 : Yes 20,071 67.0

2 : No 9,891 33.0


120

X22B: Did the 'Loan Estimate' lead you to... | Seek a change in your loan or closing

x22b Count Percent

1 : Yes 5,063 16.9

2 : No 24,899 83.1

X22C: Did the 'Loan Estimate' lead you to... | Apply to a different mortgage lender/broker(Waves 11-21)

x22c Count Percent


1 : Yes 643 2.1

2 : No 10,501 35.0

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

x23a Count Percent

1 : Yes 28,161 94.0

2 : No 1,801 6.0

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

x23b Count Percent

1 : Yes 14,847 49.6

2 : No 15,115 50.4

X23C: During the application process were you told about mortgages with any of the following?| A term of less than 30 years

x23c Count Percent

1 : Yes 21,758 72.6

2 : No 8,204 27.4

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

x23d Count Percent

1 : Yes 11,495 38.4

2 : No 18,467 61.6


121

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)

x23e Count Percent

1 : Yes 14,003 46.7

2 : No 15,959 53.3

X23F: During the application process were you told about mortgages with any of the following?| Interest-only monthly payments

x23f Count Percent

1 : Yes 6,457 21.6

2 : No 23,505 78.4

X23G: During the application process were you told about mortgages with any of the following?| An escrow account for taxes and/or homeowner insurance

x23g Count Percent

1 : Yes 25,279 84.4

2 : No 4,683 15.6

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)

x23h Count Percent

1 : Yes 10,803 36.1

2 : No 19,159 63.9

X23I: During the application process were you told about mortgages with any of the following?| Reduced documentation or 'easy' approval

x23i Count Percent

1 : Yes 7,878 26.3

2 : No 22,084 73.7

X23J: During the application process were you told about mortgages with any of the following?| An FHA, VA, USDA or Rural Housing loan

x23j Count Percent

1 : Yes 12,968 43.3

2 : No 16,994 56.7


122

X24A: In selecting your settlement/closing agent did you use someone... | Selected/recommendedby the mortgage lender/broker, or real estate agent

x24a Count Percent

1 : Yes 19,993 66.7

2 : No 9,969 33.3

X24B: In selecting your settlement/closing agent did you use someone... | You used previously

x24b Count Percent

1 : Yes 6,171 20.6

2 : No 23,791 79.4

X24C: In selecting your settlement/closing agent did you use someone... | Found shoppingaround

x24c Count Percent

1 : Yes 3,293 11.0

2 : No 26,669 89.0

X24Z: In selecting your settlement/closing agent did you use someone... | Did not have asettlement/closing agent (Waves 11-21)

x24z Count Percent


1 : Yes 993 3.3

2 : No 10,151 33.9

X25: Do you have title insurance on this mortgage? (Waves 11-15)

x25 Count Percent


-1: Don't know 2,483 8.3

1 : Yes 6,824 22.8

2 : No 1,837 6.1

X25_1: Did your lender require you to get title insurance on this mortgage? (Waves 1-10)

x25_1 Count Percent


1 : Yes 10,058 33.6

2 : No 8,760 29.2


123

X26: Which one best describes how you picked the title insurance?

x26 Count Percent


1 : Reissued previous title insurance 2,866 9.6

2 : Used title insurance recommended by mortgage lender/broker or settlementagent

13,201 44.1

3 : Shopped around 815 2.7

X27A: Overall, how satisfied are you that the mortgage you got was the one with the... | Bestterms to fit your needs

x27a Count Percent

1 : Very 23,724 79.2

2 : Somewhat 5,684 19.0

3 : Not at all 554 1.8

X27B: Overall, how satisfied are you that the mortgage you got was the one with the... |Lowest interest rate for which you could qualify

x27b Count Percent

1 : Very 21,562 72.0

2 : Somewhat 6,923 23.1

3 : Not at all 1,477 4.9

X27C: Overall, how satisfied are you that the mortgage you got was the one with the... |Lowest closing costs

x27c Count Percent

1 : Very 17,286 57.7

2 : Somewhat 10,155 33.9

3 : Not at all 2,521 8.4

X28A: Overall, how satisfied are you with the... | Mortgage lender/broker you used

x28a Count Percent

1 : Very 23,041 76.9

2 : Somewhat 5,722 19.1

3 : Not at all 1,199 4.0


124

X28B: Overall, how satisfied are you with the... | Application process

x28b Count Percent

1 : Very 19,377 64.7

2 : Somewhat 8,371 27.9

3 : Not at all 2,214 7.4

X28C: Overall, how satisfied are you with the... | Documentation process required for the loan(Waves 7-21)

x28c Count Percent


1 : Very 10,566 35.3

2 : Somewhat 5,441 18.2

3 : Not at all 1,825 6.1

X28D: Overall, how satisfied are you with the... | Loan closing process

x28d Count Percent

1 : Very 20,329 67.8

2 : Somewhat 7,463 24.9

3 : Not at all 2,170 7.2

X28E: Overall, how satisfied are you with the... | Information in mortgage disclosuredocuments

x28e Count Percent

1 : Very 20,055 66.9

2 : Somewhat 8,547 28.5

3 : Not at all 1,360 4.5

X28F: Overall, how satisfied are you with the... | Timeliness of mortgage disclosure documents

x28f Count Percent

1 : Very 19,946 66.6

2 : Somewhat 7,922 26.4

3 : Not at all 2,094 7.0


125

X28G: Overall, how satisfied are you with the... | Settlement agent

x28g Count Percent

1 : Very 21,220 70.8

2 : Somewhat 6,960 23.2

3 : Not at all 1,782 5.9

X29: Did you take a course about home-buying or talk to a professional housing counselor?

x29 Count Percent

1 : Yes 1,710 5.7

2 : No 28,252 94.3

X30A: Was your home-buying course or counseling... | In person, one-on-one

x30a Count Percent


1 : Yes 402 1.3

2 : No 1,308 4.4

X30B: Was your home-buying course or counseling... | In person, in a group

x30b Count Percent


1 : Yes 671 2.2

2 : No 1,039 3.5

X30C: Was your home-buying course or counseling... | Over the phone

x30c Count Percent


1 : Yes 286 1.0

2 : No 1,424 4.8

X30D: Was your home-buying course or counseling... | Online

x30d Count Percent


1 : Yes 760 2.5

2 : No 950 3.2


126

X30E: Was your home-buying course or counseling... | Required

x30e Count Percent


-2: Not applicable 122 0.4

1 : Yes 8 0.0

2 : No 8 0.0

X31: How many hours was your home-buying course or counseling?

x31 Count Percent


1 : Less than 3 hours 801 2.7

2 : 3-6 hours 482 1.6

3 : 7-12 hours 286 1.0

4 : More than 12 hours 141 0.5

X32: Overall, how helpful was your home-buying course or counseling?

x32 Count Percent


1 : Very 888 3.0


3 : Not at all 160 0.5

X33: Which one of these reasons best describes this most recent mortgage?

x33 Count Percent

1: To buy a property 14,489 48.4

2: To refinance or modify an earlier mortgage 14,321 47.8

3: To add/remove a co-borrower 156 0.5

4: To finance a construction loan 500 1.7

5: To take out a new loan on a mortgage-free property 496 1.7

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 7-21)

x34a Count Percent



1 : Before offer 6,079 20.3

(continued on the next page)


127

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 7-21)

x34a Count Percent

2 : After offer 1,403 4.7

3 : Did not do 1,260 4.2

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 7-21)

x34b Count Percent




2 : After offer 784 2.6

3 : Did not do 769 2.6

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 7-21)

x34c Count Percent





3 : Did not do 626 2.1

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 7-21)

x34d Count Percent





3 : Did not do 703 2.3


128

X34E: Did you do the following before or after you made an offer on this house or property? |Submitted an official loan application (Waves 7-21)

x34e Count Percent




2 : After offer 3,927 13.1

3 : Did not do 512 1.7

Z35: What percent down payment did you make on this property? (Indicator)

z35 Count Percent


1 : Not answered 367 1.2

2 : Answered 14,122 47.1

X36A: Did you use any of the following sources of funds to purchase this property? | Proceedsfrom the sale of another property

x36a Count Percent


1 : Yes 4,012 13.4

2 : No 10,477 35.0

X36B: Did you use any of the following sources of funds to purchase this property? | Savings,retirement account, inheritance, or other assets

x36b Count Percent


1 : Yes 9,535 31.8

2 : No 4,954 16.5

X36C: Did you use any of the following sources of funds to purchase this property? |Assistance or loan from a nonprofit or government agency

x36c Count Percent


1 : Yes 793 2.6

2 : No 13,696 45.7


129

X36D: Did you use any of the following sources of funds to purchase this property? | A secondlien, home equity loan, or home equity line of credit (HELOC) (Waves 7-21)

x36d Count Percent



1 : Yes 313 1.0

2 : No 8,429 28.1

X36E: Did you use any of the following sources of funds to purchase this property? | Gift orloan from family or friend

x36e Count Percent


1 : Yes 2,523 8.4

2 : No 11,966 39.9

X36F: Did you use any of the following sources of funds to purchase this property? | Sellercontribution

x36f Count Percent


1 : Yes 1,946 6.5

2 : No 12,543 41.9

X37A: How important were the following in your decision to refinance, modify, or obtain a newmortgage? | Change to a fixed-rate loan (Waves 7-21)

x37a Count Percent



1 : Important 4,301 14.4


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)




1 : Very 1,907 6.4


3 : Not at all 4,059 13.5


130

X37B: How important were the following in your decision to refinance, modify, or obtain a newmortgage? | Get a lower interest rate (Waves 7-21)

x37b Count Percent



1 : Important 8,073 26.9


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)




1 : Very 5,602 18.7


3 : Not at all 416 1.4

X37C: How important were the following in your decision to refinance, modify, or obtain a newmortgage? | Get a lower monthly payment (Waves 7-21)

x37c Count Percent



1 : Important 6,405 21.4


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)




1 : Very 4,090 13.7


3 : Not at all 1,333 4.4


131

X37D: How important were the following in your decision to refinance, modify, or obtain a newmortgage? | Consolidate or pay down other debt (Waves 7-21)

x37d Count Percent



1 : Important 3,017 10.1


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)




1 : Very 1,266 4.2


3 : Not at all 4,589 15.3

X37E: How important were the following in your decision to refinance, modify, or obtain a newmortgage? | Repay the loan more quickly (Waves 7-21)

x37e Count Percent



1 : Important 3,719 12.4


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)

x37e_1 Count Percent



1 : Very 2,157 7.2

2 : Somewhat 1,012 3.4

3 : Not at all 3,214 10.7


132

X37F: How important were the following in your decision to refinance, modify, or obtain a newmortgage? | Take out cash (Waves 7-21)

x37f Count Percent



1 : Important 2,280 7.6


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)




1 : Very 646 2.2


3 : Not at all 5,359 17.9

Z38: Approximately how much was owed, in total, on the old mortgage(s) and loan(s) yourefinanced? (Indicator)

z38 Count Percent


1 : Not answered 1,725 5.8

2 : Answered 13,748 45.9

R39: How does the total amount of your new mortgage(s) compare to the total of the oldmortgage(s) and loan(s) you paid off?

r39 Count Percent


1 : New amount is lower 3,574 11.9

2 : New amount is about the same 5,791 19.3

3 : New amount is higher 5,553 18.5

4 : Property was mortgage-free 555 1.9

X40A: Did you use the money you got from this new mortgage for any of the following? | Collegeexpenses

x40a Count Percent


1 : Yes 410 1.4

2 : No 5,723 19.1


133

X40B: Did you use the money you got from this new mortgage for any of the following? | Auto orother major purchase

x40b Count Percent


1 : Yes 580 1.9

2 : No 5,553 18.5

X40C: Did you use the money you got from this new mortgage for any of the following? | Buy outco-borrower e.g. ex-spouse (Waves 11-21)

x40c Count Percent



1 : Yes 81 0.3

2 : No 2,493 8.3

X40D: Did you use the money you got from this new mortgage for any of the following? | Pay offother bills or debts

x40d Count Percent


1 : Yes 2,549 8.5

2 : No 3,584 12.0

X40E: Did you use the money you got from this new mortgage for any of the following? | Homerepairs or new construction

x40e Count Percent


1 : Yes 2,133 7.1

2 : No 4,000 13.4

X40F: Did you use the money you got from this new mortgage for any of the following? | Savings

x40f Count Percent


1 : Yes 888 3.0

2 : No 5,245 17.5


134

X40G: Did you use the money you got from this new mortgage for any of the following? | Closingcosts of new mortgage

x40g Count Percent


1 : Yes 2,145 7.2

2 : No 3,988 13.3

X40H: Did you use the money you got from this new mortgage for any of the following? |Business or investment

x40h Count Percent


1 : Yes 328 1.1

2 : No 5,805 19.4

X40H: Did you use the money you got from this new mortgage for any of the following? | Did notget money from refinancing (Waves 19-21)

x40z Count Percent



1 : Yes 17 0.1

2 : No 35 0.1

Z41: When you took out this most recent mortgage or refinance, what was the dollar amount youborrowed? (Indicator)

z41 Count Percent


2 : Answered 25,866 86.3

Z42: What is the monthly payment, including the amount paid to escrow for taxes and insurance?(Indicator)

z42 Count Percent


2 : Answered 26,662 89.0

Z43: What is the interest rate on this mortgage? (Indicator)

z43 Count Percent


2 : Answered 24,875 83.0


135

X44: Is this an adjustable-rate mortgage (one that allows the interest rate to change over thelife of the loan)?

x44 Count Percent

-1: Don't know 842 2.8

1 : Yes 2,056 6.9

2 : No 27,064 90.3

X45: Which one of the following best describes how you decided on the interest rate of yourmortgage?

x45 Count Percent


1: Paid higher closing costs to get lower interest rate 26 0.1

2: Paid lower closing costs with a higher interest rate 11 0.0

3: Got a balance between closing costs and interest rate 101 0.3

X46A: Does this mortgage have... | A prepayment penalty (fee if the mortgage is paid offearly)

x46a Count Percent

-1: Don't know 4,172 13.9

1 : Yes 715 2.4

2 : No 25,075 83.7

X46B: Does this mortgage have... | An escrow account for taxes and/or homeowner insurance

x46b Count Percent

-1: Don't know 967 3.2

1 : Yes 23,422 78.2

2 : No 5,573 18.6

X46C: Does this mortgage have... | A balloon payment

x46c Count Percent

-1: Don't know 3,725 12.4

1 : Yes 511 1.7

2 : No 25,726 85.9


136

X46D: Does this mortgage have... | Interest-only payments

x46d Count Percent

-1: Don't know 3,986 13.3

1 : Yes 1,179 3.9

2 : No 24,797 82.8

X46E: Does this mortgage have... | Private mortgage insurance (Waves 11-15)

x46e Count Percent


-1: Don't know 1,524 5.1

1 : Yes 2,573 8.6

2 : No 7,047 23.5

Z47: The 'Closing Disclosure' statement you received at closing shows the loan closing costsand other closing costs separately. What were the loan closing costs you paid on this loan?(Indicator)

z47 Count Percent


1 : Not answered 10,372 34.6

2 : Answered 7,460 24.9

X48A: How were the total closing costs (loan costs and other costs) for this loan paid? | Byme or a co-signer with a check or wire transfer

x48a Count Percent

-1: Don't know 1,310 4.4

1 : Yes 18,016 60.1

2 : No 10,636 35.5

X48B: How were the total closing costs (loan costs and other costs) for this loan paid? |Added to the mortgage amount

x48b Count Percent

-1: Don't know 2,122 7.1

1 : Yes 11,346 37.9

2 : No 16,494 55.0


137

X48C: How were the total closing costs (loan costs and other costs) for this loan paid? | Bymortgage lender/broker

x48c Count Percent

-1: Don't know 2,210 7.4

1 : Yes 4,769 15.9

2 : No 22,983 76.7

X48D: How were the total closing costs (loan costs and other costs) for this loan paid? | Byseller/builder

x48d Count Percent

-1: Don't know 808 2.7

1 : Yes 4,324 14.4

2 : No 24,830 82.9

X48X: How were the total closing costs (loan costs and other costs) for this loan paid? |Other

x48x Count Percent

-1: Don't know 1,076 3.6

1 : Yes 324 1.1

2 : No 28,562 95.3

X48Z: How were the total closing costs (loan costs and other costs) for this loan paid? | Loanhad no closing costs (Waves 11-21)

x48z Count Percent


1 : Yes 358 1.2

2 : No 10,786 36.0

X49: Were the loan costs you paid similar to what you had expected to pay based on the LoanEstimates or Closing Disclosures you received? (Waves 11-21)

x49 Count Percent


1 : Yes 10,146 33.9

2 : No 998 3.3


138

X50A: Did you seek input about your closing documents from any of the following people? |Mortgage lender/broker

x50a Count Percent

1 : Yes 19,019 63.5

2 : No 10,943 36.5

X50B: Did you seek input about your closing documents from any of the following people? |Settlement/closing agent

x50b Count Percent

1 : Yes 6,949 23.2

2 : No 23,013 76.8

X50C: Did you seek input about your closing documents from any of the following people? | Realestate agent

x50c Count Percent

1 : Yes 7,934 26.5

2 : No 22,028 73.5

X50D: Did you seek input about your closing documents from any of the following people? |Personal attorney

x50d Count Percent

1 : Yes 2,723 9.1

2 : No 27,239 90.9

X50E: Did you seek input about your closing documents from any of the following people? |Title insurance agent

x50e Count Percent

1 : Yes 3,615 12.1

2 : No 26,347 87.9

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

x50f Count Percent

1 : Yes 5,058 16.9

2 : No 24,904 83.1


139

X50G: Did you seek input about your closing documents from any of the following people? |Housing counselor

x50g Count Percent

1 : Yes 259 0.9

2 : No 29,703 99.1

X51A: At any time after you made your final loan application did any of the following change?| Monthly payment (Waves 11-21)

x51a Count Percent


1 : Higher 1,200 4.0

2 : Same 8,517 28.4

3 : Lower 1,427 4.8

X51B: At any time after you made your final loan application did any of the following change?| Interest rate (Waves 11-21)

x51b Count Percent


1 : Higher 564 1.9

2 : Same 9,163 30.6

3 : Lower 1,417 4.7

X51C: At any time after you made your final loan application did any of the following change?| Other fees (Waves 11-21)

x51c Count Percent


1 : Higher 817 2.7

2 : Same 9,423 31.4

3 : Lower 904 3.0

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 11-21)

x51d Count Percent


1 : Higher 1,186 4.0

2 : Same 8,458 28.2

3 : Lower 1,500 5.0


140

R52: Did you face any unpleasant 'surprises' at your loan closing?

r52 Count Percent

-3: Not asked in wave 138 0.5

1 : Yes 3,721 12.4

2 : No 26,103 87.1

X53A: Did you face any of the following at your loan closing? | Loan documents not ready atclosing (Waves 11-21)

x53a Count Percent



1 : Yes 500 1.7

2 : No 946 3.2

X53B: Did you face any of the following at your loan closing? | Closing did not occur asoriginally scheduled (Waves 11-21)

x53b Count Percent



1 : Yes 709 2.4

2 : No 737 2.5

X53C: Did you face any of the following at your loan closing? | Three day rule requiredre-disclosure (Waves 11-21)

x53c Count Percent



1 : Yes 267 0.9

2 : No 1,179 3.9

X53D: Did you face any of the following at your loan closing? | Mortgage terms different atclosing than expected e.g. interest rate, monthly payment (Waves 11-21)

x53d Count Percent



1 : Yes 312 1.0

2 : No 1,134 3.8


141

X53D1_1: What unpleasant surprises did you face? | Different loan terms (Waves 1-10)

x53d1_1 Count Percent



1 : Yes 345 1.2

2 : No 2,068 6.9

X53D2_1: What unpleasant surprises did you face? | Higher monthly payment (Waves 1-10)




1 : Yes 565 1.9

2 : No 1,848 6.2

X53D3_1: What unpleasant surprises did you face? | Higher interest rate (Waves 1-10)




1 : Yes 346 1.2

2 : No 2,067 6.9

X53E: Did you face any of the following at your loan closing? | More cash needed at closinge.g. escrow, unexpected fees (Waves 11-21)

x53e Count Percent



1 : Yes 581 1.9

2 : No 865 2.9

X53E1_1: What unpleasant surprises did you face? | Unexpected fees (Waves 1-10)

x53e1_1 Count Percent



1 : Yes 1,136 3.8

2 : No 1,277 4.3


142

X53E2_1: What unpleasant surprises did you face? | Higher amount of money needed at closing(Waves 1-10)

x53e2_1 Count Percent



1 : Yes 1,112 3.7

2 : No 1,301 4.3

X53F: Did you face any of the following at your loan closing? | Asked to sign blank documentsat closing

x53f Count Percent


1 : Yes 241 0.8

2 : No 3,618 12.1

X53G: Did you face any of the following at your loan closing? | Felt rushed at closing or notgiven time to read documents

x53g Count Percent


1 : Yes 819 2.7

2 : No 3,040 10.1

X53H: Did you face any of the following at your loan closing? | Asked to sign pre-dated orpost-dated documents at closing (Waves 19-21)

x53h Count Percent


1 : Yes 10 0.0

2 : No 128 0.4

X53I: Did you face any of the following at your loan closing? | Less cash needed at closingthan expected (Waves 19-21)

x53i Count Percent


1 : Yes 16 0.1

2 : No 122 0.4


143

X54: At the time you took out this mortgage, did you also take out another loan on theproperty you financed with this mortgage (a second lien, home equity loan, or a home equityline of credit (HELOC))?

x54 Count Percent

1 : Yes 1,032 3.4

2 : No 28,930 96.6

Z55: What was the amount of this loan? (Indicator)

z55 Count Percent



2 : Answered 850 2.8

X56A: How well could you explain to someone the... | Process of taking out a mortgage

x56a Count Percent

1 : Very 14,293 47.7

2 : Somewhat 14,508 48.4

3 : Not at all 1,161 3.9

X56B: How well could you explain to someone the... | Difference between a fixed- and anadjustable-rate mortgage

x56b Count Percent

1 : Very 20,518 68.5

2 : Somewhat 7,829 26.1

3 : Not at all 1,615 5.4

X56C: How well could you explain to someone the... | Difference between a prime and subprimeloan

x56c Count Percent

1 : Very 6,613 22.1

2 : Somewhat 10,662 35.6

3 : Not at all 12,687 42.3


144

X56D: How well could you explain to someone the... | Difference between a mortgage's interestrate and its APR

x56d Count Percent

1 : Very 8,488 28.3

2 : Somewhat 13,866 46.3

3 : Not at all 7,608 25.4

X56E: How well could you explain to someone the... | Amortization of a loan

x56e Count Percent

1 : Very 11,544 38.5

2 : Somewhat 10,106 33.7

3 : Not at all 8,312 27.7

X56F: How well could you explain to someone the... | Consequences of not making requiredmortgage payments

x56f Count Percent

1 : Very 20,117 67.1

2 : Somewhat 7,915 26.4

3 : Not at all 1,930 6.4

X56G: How well could you explain to someone the... | Difference between lender's and owner'stitle insurance (Waves 7-21)

x56g Count Percent


1 : Very 4,022 13.4

2 : Somewhat 6,713 22.4

3 : Not at all 7,097 23.7

X56H: How well could you explain to someone the... | Relationship between discount points andinterest rate (Waves 11-21)

x56h Count Percent


1 : Very 3,048 10.2

2 : Somewhat 4,047 13.5

3 : Not at all 4,049 13.5


145

X56I: How well could you explain to someone the... | Reason payments into an escrow accountcan change (Waves 11-21)

x56i Count Percent


1 : Very 5,722 19.1

2 : Somewhat 3,443 11.5

3 : Not at all 1,979 6.6

Z57: When did you first become the owner of this property? (Indicator)

z57 Count Percent


2 : Answered 27,327 91.2

Z58: What was the purchase price of this property, or if you built it, the construction andland cost? (Indicator)

z58 Count Percent


2 : Answered 25,816 86.2

X59: Which one of the following best describes how you acquired this property?

x59 Count Percent

1 : Purchased an existing home 22,439 74.9

2 : Purchased a newly-built home from a builder 4,205 14.0

3 : Had or purchased land and built a house 1,793 6.0

4 : Received as a gift or inheritance 341 1.1

5 : Purchase from relative 39 0.1

6 : Bought out co-owner (e.g., ex-spouse) 65 0.2

7 : Rental conversion/Land contract 22 0.1

8 : Tax-free trade or exchange 8 0.0

9 : Purchased a foreclosed property from a bank, investor, or governmentagency

745 2.5

10: Purchased a 'short sale' property from the previous owner 305 1.0


146

X60: Which one of the following best describes this property?

x60 Count Percent

1: Single-family detached house 25,125 83.9

2: Mobile home or manufactured home 532 1.8

3: Townhouse, row house, or villa 1,842 6.1

4: 2-unit, 3-unit, or 4-unit dwelling 713 2.4

5: Apartment (or condo/co-op) in apartment building 1,681 5.6

6: Unit in a partly commercial structure 15 0.1

7: Land only 54 0.2

X61: Does this mortgage cover more than one unit? (Waves 7-15)

x61 Count Percent



1 : Yes 327 1.1

2 : No 2,167 7.2

Z62: About how much do you think this property is worth in terms of what you could sell it fornow? (Indicator)

z62 Count Percent


2 : Answered 24,297 81.1

X63: Do you rent out all or any portion of this property?

x63 Count Percent

1 : Yes 2,002 6.7

2 : No 27,960 93.3

Z64: How much rent do you receive annually? (Indicator)

z64 Count Percent



2 : Answered 1,770 5.9


147

X65: Besides you, the mortgage co-signers, and renters, does anyone else help pay the expensesfor this property?

x65 Count Percent


1 : Yes 746 2.5

2 : No 17,086 57.0

X66: Which of the following best describes how you use this property?

x66 Count Percent

1: Primary residence (where you spend the majority of your time) 27,104 90.5

2: It will be my primary residence soon 421 1.4

3: Seasonal or second home 757 2.5

4: Home for other relatives 322 1.1

5: Rental or investor property 1,358 4.5

Z67: If primary residence, when did you move into this property? (Indicator)

z67 Count Percent



2 : Answered 23,859 79.6

X68A: In the last couple years, how have the following changed in the neighborhood where thisproperty is located? | Number of homes for sale

x68a Count Percent

1: Significant increase 7,411 24.7

2: Little/no change 21,183 70.7

3: Significant decrease 1,368 4.6

X68B: In the last couple years, how have the following changed in the neighborhood where thisproperty is located? | Number of vacant homes

x68b Count Percent





148

X68C: In the last couple years, how have the following changed in the neighborhood where thisproperty is located? | Number of homes for rent

x68c Count Percent




X68D: In the last couple years, how have the following changed in the neighborhood where thisproperty is located? | Number of foreclosures or short sales

x68d Count Percent




X68E: In the last couple years, how have the following changed in the neighborhood where thisproperty is located? | House prices

x68e Count Percent




X68F: In the last couple years, how have the following changed in the neighborhood where thisproperty is located? | Overall desirability of living there

x68f Count Percent



3: Significant decrease 847 2.8

X69: What do you think will happen to the prices of homes in this neighborhood over the nextcouple of years?

x69 Count Percent

1: Increase a lot 5,643 18.8

2: Increase a little 18,348 61.2

3: Remain about the same 5,184 17.3

4: Decrease a little 621 2.1

5: Decrease a lot 166 0.6


149

X70: In the next couple of years, how do you expect the overall desirability of living in thisneighborhood to change?

x70 Count Percent

1: Become more desirable 11,482 38.3

2: Stay about the same 17,855 59.6

3: Become less desirable 625 2.1

X71A: How likely is it that in the next couple of years you will... | Sell this property

x71a Count Percent

1 : Very 2,166 7.2

2 : Somewhat 7,924 26.4

3 : Not at all 19,872 66.3

X71B: How likely is it that in the next couple of years you will... | Move but keep thisproperty

x71b Count Percent

1 : Very 1,039 3.5

2 : Somewhat 5,180 17.3

3 : Not at all 23,743 79.2

X71C: How likely is it that in the next couple of years you will... | Refinance the mortgageon this property

x71c Count Percent

1 : Very 1,483 4.9

2 : Somewhat 6,021 20.1

3 : Not at all 22,458 75.0

X71D: How likely is it that in the next couple of years you will... | Pay off this mortgageand own the property mortgage-free

x71d Count Percent

1 : Very 2,488 8.3

2 : Somewhat 5,169 17.3

3 : Not at all 22,305 74.4


150

X72: What is your current marital status?

x72 Count Percent

1: Married 20,787 69.4

2: Separated 325 1.1

3: Never married 3,537 11.8

4: Divorced 4,225 14.1

5: Widowed 1,088 3.6

X73: Do you have a partner who shares the decision-making and responsibilities of running yourhousehold but is not your legal spouse?

x73 Count Percent


1 : Yes 1,886 6.3

2 : No 7,289 24.3

X74R: Age at last birthday | Respondent

x74r Count Percent

18-24: 18-24 years old 394 1.3

25-34: 25-34 years old 4,784 16.0

35-44: 35-44 years old 6,345 21.2

45-54: 45-54 years old 6,972 23.3

55-64: 55-64 years old 6,535 21.8

65-74: 65-74 years old 3,966 13.2

75-99: 75-99 years old 966 3.2

X74S: Age at last birthday | Spouse/Partner

x74s Count Percent

-2 : Not applicable 7,289 24.3

16-24: 16-24 years old 306 1.0

25-34: 25-34 years old 4,080 13.6

35-44: 35-44 years old 5,256 17.5

45-54: 45-54 years old 5,192 17.3

55-64: 55-64 years old 4,777 15.9

65-74: 65-74 years old 2,502 8.4

75-99: 75-99 years old 560 1.9


151

X75R: Sex | Respondent

x75r Count Percent

1 : Male 16,599 55.4

2 : Female 13,363 44.6

X75S: Sex | Spouse/Partner

x75s Count Percent


1 : Male 9,177 30.6

2 : Female 13,496 45.0

X76R: Highest level of education achieved | Respondent

x76r Count Percent

1 : Some schooling 391 1.3

2 : High school graduate 3,145 10.5

3 : Technical school 1,552 5.2

4 : Some college 5,879 19.6

5 : College graduate 10,446 34.9

6 : Postgraduate studies 8,549 28.5

X76S: Highest level of education achieved | Spouse/Partner

x76s Count Percent


1 : Some schooling 493 1.6

2 : High school graduate 3,521 11.8

3 : Technical school 1,350 4.5

4 : Some college 4,835 16.1

5 : College graduate 7,574 25.3

6 : Postgraduate studies 4,900 16.4

X77R: Hispanic or Latino | Respondent

x77r Count Percent

1 : Yes 2,304 7.7

2 : No 27,658 92.3


152

X77S: Hispanic or Latino | Spouse/Partner

x77s Count Percent


1 : Yes 2,008 6.7

2 : No 20,665 69.0

X78R: Race | Respondent

x78r Count Percent

1 : White/Caucasian only 25,634 85.6

2 : Black or African American only 1,775 5.9

3 : Asian only 1,695 5.7

4 : All other races 858 2.9

X78S: Race | Spouse/Partner

x78s Count Percent


1 : White/Caucasian only 19,371 64.7

2 : Black or African American only 1,087 3.6

3 : Asian only 1,590 5.3

4 : All other races 625 2.1

X79RA: Current work status 1 | Respondent (work status selected by respondent involving themost employment)

x79ra Count Percent

1 : Self-employed full time 2,740 9.1

2 : Self-employed part time 539 1.8

3 : Employed full time 19,050 63.6

4 : Employed part time 1,441 4.8

5 : Retired 4,874 16.3

6 : Unemployed, temporarily laid-off or on leave 255 0.9

7 : Not working for pay (student, homemaker, disabled) 1,063 3.5


153

X79RB: Current work status 2 | Respondent (if a second work status was selected)

x79rb Count Percent



4 : Employed part time 155 0.5

5 : Retired 242 0.8


X79SA: Current work status 1 | Spouse/Partner (work status selected by respondent involvingthe most employment)

x79sa Count Percent


1 : Self-employed full time 1,906 6.4


3 : Employed full time 11,753 39.2

4 : Employed part time 1,801 6.0

5 : Retired 3,464 11.6


7 : Not working for pay (student, homemaker, disabled) 2,789 9.3

X79SB: Current work status 2 | Spouse/Partner (if a second work status was selected)

x79sb Count Percent



4 : Employed part time 41 0.1

5 : Retired 80 0.3


X80R: Ever served on active duty in the U.S. Armed Forces, Reserves or National Guard? |Respondent (Waves 15-21)

x80r Count Percent


1 : Never served in the military 4,210 14.1

2 : Only on active duty for training in the Reserves or National Guard 93 0.3

3 : Now on active duty 37 0.1

4 : On active duty in the past, but not now 664 2.2


154

X80R_1: Ever served on active duty in the U.S. Armed Forces: (Active duty includes serving inthe U.S. Armed Forces as well as activation from the Reserves or National Guard). | Respondent(Waves 1-14)

x80r_1 Count Percent


1 : No, never served in the U.S. Armed Forces 20,197 67.4

2 : No, never on active duty except for initial/basic training 1,153 3.8

3 : Yes, now on active duty 270 0.9

4 : Yes, on active duty in the past, but not now 3,338 11.1

X80S: Ever served on active duty in the U.S. Armed Forces, Reserves or National Guard? |Spouse/Partner (Waves 15-21)

x80s Count Percent



1 : Never served in the military 3,329 11.1

2 : Only on active duty for training in the Reserves or National Guard 33 0.1

3 : Now on active duty 28 0.1

4 : On active duty in the past, but not now 272 0.9

X80S_1: Ever served on active duty in the U.S. Armed Forces: (Active duty includes serving inthe U.S. Armed Forces as well as activation from the Reserves or National Guard). |Spouse/Partner (Waves 1-14)

x80s_1 Count Percent



1 : No, never served in the U.S. Armed Forces 16,624 55.5

2 : No, never on active duty except for initial/basic training 743 2.5

3 : Yes, now on active duty 161 0.5

4 : Yes, on active duty in the past, but not now 1,483 4.9

X81A: Besides you (and your spouse/partner) who else lives in your household? Mark all thatapply. | Children/grandchildren under age 18

x81a Count Percent


1 : Yes 6,949 23.2

2 : No 10,883 36.3


155

X81B: Besides you (and your spouse/partner) who else lives in your household? Mark all thatapply. | Children/grandchildren age 18-22

x81b Count Percent


1 : Yes 1,730 5.8

2 : No 16,102 53.7

X81C: Besides you (and your spouse/partner) who else lives in your household? Mark all thatapply. | Children/grandchildren age 23 or older

x81c Count Percent


1 : Yes 1,453 4.8

2 : No 16,379 54.7

X81D: Besides you (and your spouse/partner) who else lives in your household? Mark all thatapply. | Parents of you or your spouse or partner

x81d Count Percent


1 : Yes 638 2.1

2 : No 17,194 57.4

X81E: Besides you (and your spouse/partner) who else lives in your household? Mark all thatapply. | Other relatives like siblings or cousins

x81e Count Percent


1 : Yes 386 1.3

2 : No 17,446 58.2

X81F: Besides you (and your spouse/partner) who else lives in your household? Mark all thatapply. | Non-relative

x81f Count Percent


1 : Yes 572 1.9

2 : No 17,260 57.6


156

X81Z: Besides you (and your spouse/partner) who else lives in your household? Mark all thatapply. | No one else

x81z Count Percent


1 : Yes 7,949 26.5

2 : No 9,883 33.0

X82: Do you speak a language other than English at home?

x82 Count Percent


1 : Yes 1,426 4.8

2 : No 6,675 22.3

X83: Approximately how much is your total annual household income from all sources (wages,salaries, tips, interest, child support, investment income, retirement, social security, andalimony)?

x83 Count Percent

1: Less than $35,000 1,782 5.9

2: $35,000 to $49,999 3,117 10.4

3: $50,000 to $74,999 5,625 18.8

4: $75,000 to $99,999 5,546 18.5

5: $100,000 to $174,999 8,943 29.8

6: $175,000 or more 4,949 16.5

X84: How does this total annual household income compare to what it is in a 'normal' year?

x84 Count Percent

1: Higher than normal 1,880 6.3

2: Normal 25,661 85.6

3: Lower than normal 2,421 8.1

X85A: Does your total annual household income include any of the following sources? | Wages orsalary

x85a Count Percent

1 : Yes 24,861 83.0

2 : No 5,101 17.0


157

X85B: Does your total annual household income include any of the following sources? | Businessor self-employment

x85b Count Percent

1 : Yes 6,762 22.6

2 : No 23,200 77.4

X85C: Does your total annual household income include any of the following sources? | Interestor dividends

x85c Count Percent

1 : Yes 7,311 24.4

2 : No 22,651 75.6

X85D: Does your total annual household income include any of the following sources? | Alimonyor child support

x85d Count Percent

1 : Yes 890 3.0

2 : No 29,072 97.0

X85E: Does your total annual household income include any of the following sources? | SocialSecurity, pension or other retirement benefits

x85e Count Percent

1 : Yes 7,027 23.5

2 : No 22,935 76.5

X86A: Does anyone in your household have any of the following? | 401(k), 403(b), IRA, orpension plan

x86a Count Percent

1 : Yes 25,292 84.4

2 : No 4,670 15.6

X86B: Does anyone in your household have any of the following? | Stocks, bonds, or mutualfunds (not in retirement accounts or pension plans)

x86b Count Percent

1 : Yes 12,833 42.8

2 : No 17,129 57.2


158

X86C: Does anyone in your household have any of the following? | Certificates of deposit

x86c Count Percent

1 : Yes 3,553 11.9

2 : No 26,409 88.1

X86D: Does anyone in your household have any of the following? | Investment real estate

x86d Count Percent

1 : Yes 5,838 19.5

2 : No 24,124 80.5

X87: Which one of the following statements best describes the amount of financial risk you arewilling to take when you save or make investments?

x87 Count Percent

1: Take substantial financial risks expecting to earn substantial returns 1,128 3.8

2: Take above-average financial risks expecting to earn above averagereturns

5,905 19.7

3: Take average financial risks expecting to earn average returns 15,110 50.4

4: Not willing to take any financial risks 7,819 26.1

X88A: Do you agree or disagree with the following statements? | Owning a home is a goodfinancial investment

x88a Count Percent

1 : Agree 28,707 95.8

2 : Disagree 1,255 4.2

X88B: Do you agree or disagree with the following statements? | Most mortgage lendersgenerally treat borrowers well

x88b Count Percent

1 : Agree 23,960 80.0

2 : Disagree 6,002 20.0

X88C: Do you agree or disagree with the following statements? | Most mortgage lenders wouldoffer me roughly the same rates and fees (Waves 7-21)

x88c Count Percent


1 : Agree 12,169 40.6

2 : Disagree 5,663 18.9


159

X88D: Do you agree or disagree with the following statements? | Late payments will lower mycredit rating

x88d Count Percent

1 : Agree 27,804 92.8

2 : Disagree 2,158 7.2

X88E: Do you agree or disagree with the following statements? | Lenders shouldn't care aboutany late payments, only whether loans are fully repaid

x88e Count Percent

1 : Agree 3,855 12.9

2 : Disagree 26,107 87.1

X88F: Do you agree or disagree with the following statements? | It is okay to default or stopmaking mortgage payments if it is in the borrower's financial interest

x88f Count Percent

1 : Agree 1,802 6.0

2 : Disagree 28,160 94.0

X88G: Do you agree or disagree with the following statements? | I would consider counseling ortaking a course about managing my finances if I faced financial difficulties (Waves 11-21)

x88g Count Percent


1 : Agree 8,074 26.9

2 : Disagree 3,070 10.2

X89A: In the last couple of years, have any of the following happened to you? | Separated,divorced, or partner left

x89a Count Percent

1 : Yes 2,158 7.2

2 : No 27,804 92.8

X89B: In the last couple of years, have any of the following happened to you? | Married,remarried or new partner

x89b Count Percent

1 : Yes 2,964 9.9

2 : No 26,998 90.1


160

X89C: In the last couple of years, have any of the following happened to you? | Death of ahousehold member

x89c Count Percent

1 : Yes 1,171 3.9

2 : No 28,791 96.1

X89D: In the last couple of years, have any of the following happened to you? | Addition toyour household (not including spouse/partner)

x89d Count Percent

1 : Yes 3,937 13.1

2 : No 26,025 86.9

X89E: In the last couple of years, have any of the following happened to you? | Person leavingyour household (not including spouse/partner)

x89e Count Percent

1 : Yes 2,406 8.0

2 : No 27,556 92.0

X89F: In the last couple of years, have any of the following happened to you? | Disability orserious illness of household member

x89f Count Percent

1 : Yes 2,722 9.1

2 : No 27,240 90.9

X89G: In the last couple of years, have any of the following happened to you? | Disasteraffecting a property you own

x89g Count Percent

1 : Yes 549 1.8

2 : No 29,413 98.2

X89H: In the last couple of years, have any of the following happened to you? | Disasteraffecting your (or your spouse/partner's) work

x89h Count Percent

1 : Yes 604 2.0

2 : No 29,358 98.0


161

X89I: In the last couple of years, have any of the following happened to you? | Moved withinthe area (less than 50 miles)

x89i Count Percent

1 : Yes 8,144 27.2

2 : No 21,818 72.8

X89J: In the last couple of years, have any of the following happened to you? | Moved to a newarea (50 miles or more)

x89j Count Percent

1 : Yes 4,201 14.0

2 : No 25,761 86.0

X90A: In the last couple of years, have any of the following happened to you (or yourspouse/partner)? | Layoff, unemployment, or reduced hours of work

x90a Count Percent

1 : Yes 5,179 17.3

2 : No 24,783 82.7

X90B: In the last couple of years, have any of the following happened to you (or yourspouse/partner)? | Retirement (Waves 4-21)

x90b Count Percent


1 : Yes 2,676 8.9

2 : No 19,902 66.4

X90C: In the last couple of years, have any of the following happened to you (or yourspouse/partner)? | Promotion

x90c Count Percent

1 : Yes 7,102 23.7

2 : No 22,860 76.3

X90D: In the last couple of years, have any of the following happened to you (or yourspouse/partner)? | Starting a new job

x90d Count Percent

1 : Yes 9,097 30.4

2 : No 20,865 69.6


162

X90E: In the last couple of years, have any of the following happened to you (or yourspouse/partner)? | Starting a second job

x90e Count Percent

1 : Yes 1,829 6.1

2 : No 28,133 93.9

X90F: In the last couple of years, have any of the following happened to you (or yourspouse/partner)? | Business failure

x90f Count Percent

1 : Yes 408 1.4

2 : No 29,554 98.6

X90G: In the last couple of years, have any of the following happened to you (or yourspouse/partner)? | A personal financial crisis

x90g Count Percent

1 : Yes 1,614 5.4

2 : No 28,348 94.6

X91A: In the last couple years, how have the following changed for you (and yourspouse/partner)? | Household income

x91a Count Percent




X91B: In the last couple years, how have the following changed for you (and yourspouse/partner)? | Housing expenses

x91b Count Percent




X91C: In the last couple years, how have the following changed for you (and yourspouse/partner)? | Non-housing expenses

x91c Count Percent



3: Significant decrease 939 3.1


163

X92A: In the next couple of years, how do you expect the following to change for you (and yourspouse/partner)? | Household income

x92a Count Percent




X92B: In the next couple of years, how do you expect the following to change for you (and yourspouse/partner)? | Housing expenses

x92b Count Percent




X92C: In the next couple of years, how do you expect the following to change for you (and yourspouse/partner)? | Non-housing expenses

x92c Count Percent




X93A: How likely is it that in the next couple of years you (or your spouse/partner) willface... | Retirement

x93a Count Percent

1 : Very 3,355 11.2

2 : Somewhat 3,504 11.7

3 : Not at all 23,103 77.1

X93B: How likely is it that in the next couple of years you (or your spouse/partner) willface... | Difficulties making your mortgage payments

x93b Count Percent

1 : Very 258 0.9

2 : Somewhat 3,048 10.2

3 : Not at all 26,656 89.0


164

X93C: How likely is it that in the next couple of years you (or your spouse/partner) willface... | A layoff, unemployment, or forced reduction in hours

x93c Count Percent

1 : Very 372 1.2

2 : Somewhat 3,903 13.0

3 : Not at all 25,687 85.7

X93D: How likely is it that in the next couple of years you (or your spouse/partner) willface... | Some other personal financial crisis

x93d Count Percent

1 : Very 385 1.3

2 : Somewhat 4,723 15.8

3 : Not at all 24,854 83.0

X94A: If your household faced an unexpected personal financial crisis in the next couple ofyears, how likely is it you could... | Pay your bills for the next 3 months without borrowing

x94a Count Percent

1 : Very 17,130 57.2

2 : Somewhat 8,798 29.4

3 : Not at all 4,034 13.5

X94B: If your household faced an unexpected personal financial crisis in the next couple ofyears, how likely is it you could... | Get significant financial help from family or friends

x94b Count Percent

1 : Very 5,763 19.2

2 : Somewhat 10,926 36.5

3 : Not at all 13,273 44.3

X94C: If your household faced an unexpected personal financial crisis in the next couple ofyears, how likely is it you could... | Borrow a significant amount from a bank or credit union

x94c Count Percent

1 : Very 7,000 23.4

2 : Somewhat 13,247 44.2

3 : Not at all 9,715 32.4


165

X94D: If your household faced an unexpected personal financial crisis in the next couple ofyears, how likely is it you could... | Significantly increase your income

x94d Count Percent

1 : Very 2,713 9.1

2 : Somewhat 12,718 42.4

3 : Not at all 14,531 48.5

Mortgage Origination Year

open_year Count Percent

2013: 2013 6,079 20.3

2014: 2014 6,256 20.9

2015: 2015 6,184 20.6

2016: 2016 6,280 21.0

2017: 2017 5,163 17.2

Mortgage Origination Month

open_month Count Percent

1 : January 2,016 6.7

2 : February 2,036 6.8

3 : March 2,571 8.6

4 : April 2,561 8.5

5 : May 2,584 8.6

6 : June 2,756 9.2

7 : July 2,582 8.6

8 : August 2,659 8.9

9 : September 2,675 8.9

10: October 2,684 9.0

11: November 2,304 7.7

12: December 2,534 8.5

Mortgage Loan Amount at Origination (Categorical)

loan_amount_cat Count Percent

1: Less than $50,000 788 2.6

2: $50,000 to $99,999 4,246 14.2

3: $100,000 to $149,999 6,062 20.2

4: $150,000 to $199,999 5,284 17.6

5: $200,000 to $249,999 3,926 13.1

6: $250,000 to $299,999 2,923 9.8



166

Mortgage Loan Amount at Origination (Categorical)

loan_amount_cat Count Percent

7: $300,000 to $349,999 1,991 6.6

8: $350,000 to $399,999 1,477 4.9

9: $400,000 or more 3,265 10.9

Flag Indicating Jumbo Mortgage Loan at Origination

jumbo Count Percent

1 : Yes 1,231 4.1

2 : No 28,731 95.9

Mortgage Interest Rate Spread at Origination (Percent)

rate_spread Count Percent

-1.50- -1.00: -1.50 to -1.00 percentage points 581 1.9

-0.99- -0.50: -0.99 to -0.50 percentage points 1,404 4.7

-0.49- -0.01: -0.49 to -0.01 percentage points 7,702 25.7

0.00 : 0.00 percentage points 200 0.7

0.01-0.49 : 0.01 to 0.49 percentage points 14,170 47.3



Freddie Mac's Primary Mortgage Market Survey (PMMS) Rate at Origination (Percent)

pmms Count Percent

2.37-2.99: Less than 3.00 percent 2,250 7.5

3.00-3.49: 3.00 to 3.49 percent 6,488 21.7

3.50-3.99: 3.50 to 3.99 percent 12,157 40.6

4.00-4.58: 4.00 percent or higher 9,067 30.3


167

Mortgage Term (in Years) at Origination

term Count Percent

0-4 : 0 to 4 years 92 0.3

5 : 5 years 144 0.5

6-9 : 6 to 9 years 124 0.4

10 : 10 years 816 2.7

11-14: 11 to 14 years 82 0.3

15 : 15 years 4,980 16.6

16-19: 16 to 19 years 37 0.1

20 : 20 years 1,373 4.6

21-24: 21 to 24 years 88 0.3

25 : 25 years 262 0.9

26-29: 26 to 29 years 148 0.5

30 : 30 years 21,764 72.6

31-40: 31 to 40 years 52 0.2

Mortgage Loan-to-Value Ratio at Origination (Percent)

ltv Count Percent

2-49 : Less than 50 percent 3,465 11.6

50-59 : 50 to 59 percent 2,348 7.8

60-69 : 60 to 69 percent 3,279 10.9

70-74 : 70 to 74 percent 2,263 7.6

75-79 : 75 to 79 percent 3,426 11.4

80-84 : 80 to 84 percent 3,970 13.3

85-89 : 85 to 89 percent 1,913 6.4

90-94 : 90 to 94 percent 2,498 8.3

95-96 : 95 to 96 percent 3,375 11.3

97-100 : 97 to 100 percent 1,612 5.4

101-125: 101 to 125 percent 1,813 6.1


168

Mortgage Combined Loan-to-Value Ratio at Origination (Percent)

cltv Count Percent


50-59 : 50 to 59 percent 2,400 8.0

60-69 : 60 to 69 percent 3,366 11.2

70-74 : 70 to 74 percent 2,331 7.8

75-79 : 75 to 79 percent 3,459 11.5

80-84 : 80 to 84 percent 3,918 13.1

85-89 : 85 to 89 percent 1,855 6.2

90-94 : 90 to 94 percent 2,563 8.6

95-96 : 95 to 96 percent 3,331 11.1

97-100 : 97 to 100 percent 1,648 5.5

101-125: 101 to 125 percent 1,666 5.6

Mortgage Debt-to-Income (Back End) Ratio at Origination (Percent)

dti Count Percent

-2 : Not applicable 360 1.2


20-29 : 20 to 29 percent 6,601 22.0

30-39 : 30 to 39 percent 9,448 31.5

40-49 : 40 to 49 percent 8,636 28.8

50-59 : 50 to 59 percent 1,536 5.1

60-100: 60 to 100 percent 974 3.3

Mortgage Payment-to-Income (Front End) Ratio at Origination (Percent)

pti Count Percent



10-19 : 10 to 19 percent 12,491 41.7

20-29 : 20 to 29 percent 9,655 32.2

30-39 : 30 to 39 percent 3,533 11.8

40-100: 40 to 100 percent 1,056 3.5


169

Mortgage Type

loan_type Count Percent

1: Conventional 22,810 76.1

2: FHA insured 3,883 13.0

3: VA guaranteed 2,753 9.2

4: FSA/RHS insured 516 1.7

Government Sponsored Enterprise

gse Count Percent


1 : Fannie Mae 10,903 36.4

2 : Freddie Mac 6,832 22.8

3 : Federal Home Loan Bank 251 0.8

Credit Union

cu Count Percent

1 : Yes 1,936 6.5

2 : No 28,026 93.5

Flag Indicating Metropolitan CRA Low to Moderate Income Tract

metro_lmi Count Percent

1: Metropolitan CRA non-LMI tract 22,730 75.9

2: Metropolitan CRA LMI tract 3,786 12.6

3: Non-metropolitan tract 3,446 11.5

Number of Borrowers at Origination

borrower_num Count Percent

1: 1 borrower 14,146 47.2

2: 2 borrowers 15,703 52.4

3: 3 borrowers 95 0.3

4: 4 borrowers 18 0.1

Flag Indicating Respondent is a Borrower

borrower_r Count Percent

1 : Yes 29,732 99.2

2 : No 230 0.8


170

Flag Indicating Spouse/Partner is a Borrower

borrower_s Count Percent


1 : Yes 15,555 51.9

2 : No 7,118 23.8

Age | Other Borrower 1

age_o1 Count Percent


18-24: 18-24 years old 17 0.1

25-34: 25-34 years old 86 0.3

35-44: 35-44 years old 75 0.3

45-54: 45-54 years old 96 0.3

55-64: 55-64 years old 127 0.4

65-74: 65-74 years old 89 0.3

75-99: 75-99 years old 68 0.2




25-34: 25-34 years old 8 0.0

35-44: 35-44 years old 6 0.0

45-54: 45-54 years old 15 0.1

55-64: 55-64 years old 18 0.1

65-74: 65-74 years old 12 0.0

75-99: 75-99 years old 3 0.0




35-44: 35-44 years old 2 0.0

Sex | Other Borrower 1

sex_o1 Count Percent


1 : Male 315 1.1

2 : Female 243 0.8


171




1 : Male 31 0.1

2 : Female 31 0.1




1 : Male 1 0.0

2 : Female 1 0.0

Flag Indicating First Mortgage in Credit File | Respondent

first_mort_r Count Percent


1 : Yes 5,387 18.0

2 : No 24,345 81.3

Flag Indicating First Mortgage in Credit File | Spouse/Partner

first_mort_s Count Percent


1 : Yes 2,496 8.3

2 : No 13,059 43.6

Flag Indicating First Mortgage in Credit File | Other Borrower 1

first_mort_o1 Count Percent


1 : Yes 149 0.5

2 : No 409 1.4




1 : Yes 13 0.0

2 : No 49 0.2


172




2 : No 2 0.0

VantageScore 3.0 at Origination | Respondent

score_orig_r Count Percent


300-619: 300 to 619 VantageScore 3.0 1,223 4.1

620-639: 620 to 639 VantageScore 3.0 968 3.2

640-659: 640 to 659 VantageScore 3.0 1,466 4.9

660-679: 660 to 679 VantageScore 3.0 1,703 5.7

680-699: 680 to 699 VantageScore 3.0 1,920 6.4

700-719: 700 to 719 VantageScore 3.0 2,222 7.4

720-739: 720 to 739 VantageScore 3.0 2,788 9.3

740-850: 740 to 850 VantageScore 3.0 17,442 58.2

VantageScore 3.0 at Origination | Spouse/Partner

score_orig_s Count Percent


300-619: 300 to 619 VantageScore 3.0 494 1.6

620-639: 620 to 639 VantageScore 3.0 433 1.4

640-659: 640 to 659 VantageScore 3.0 663 2.2

660-679: 660 to 679 VantageScore 3.0 763 2.5

680-699: 680 to 699 VantageScore 3.0 863 2.9

700-719: 700 to 719 VantageScore 3.0 1,166 3.9

720-739: 720 to 739 VantageScore 3.0 1,375 4.6

740-850: 740 to 850 VantageScore 3.0 9,798 32.7

VantageScore 3.0 at Origination | Other Borrower 1

score_orig_o1 Count Percent


300-619: 300 to 619 VantageScore 3.0 23 0.1

620-639: 620 to 639 VantageScore 3.0 20 0.1

640-659: 640 to 659 VantageScore 3.0 27 0.1

660-679: 660 to 679 VantageScore 3.0 22 0.1

680-699: 680 to 699 VantageScore 3.0 34 0.1



173



700-719: 700 to 719 VantageScore 3.0 36 0.1

720-739: 720 to 739 VantageScore 3.0 49 0.2

740-850: 740 to 850 VantageScore 3.0 347 1.2




300-619: 300 to 619 VantageScore 3.0 1 0.0

620-639: 620 to 639 VantageScore 3.0 2 0.0

640-659: 640 to 659 VantageScore 3.0 1 0.0

660-679: 660 to 679 VantageScore 3.0 4 0.0

680-699: 680 to 699 VantageScore 3.0 2 0.0

700-719: 700 to 719 VantageScore 3.0 4 0.0

720-739: 720 to 739 VantageScore 3.0 6 0.0

740-850: 740 to 850 VantageScore 3.0 42 0.1




680-699: 680 to 699 VantageScore 3.0 1 0.0

720-739: 720 to 739 VantageScore 3.0 1 0.0

VantageScore 3.0 in March 2013 | Respondent

score_0313_r Count Percent


300-619: 300 to 619 VantageScore 3.0 191 0.6

620-639: 620 to 639 VantageScore 3.0 144 0.5

640-659: 640 to 659 VantageScore 3.0 230 0.8

660-679: 660 to 679 VantageScore 3.0 276 0.9

680-699: 680 to 699 VantageScore 3.0 335 1.1

700-719: 700 to 719 VantageScore 3.0 378 1.3

720-739: 720 to 739 VantageScore 3.0 502 1.7

740-850: 740 to 850 VantageScore 3.0 3,476 11.6


174

VantageScore 3.0 in June 2013 | Respondent



300-619: 300 to 619 VantageScore 3.0 259 0.9

620-639: 620 to 639 VantageScore 3.0 208 0.7

640-659: 640 to 659 VantageScore 3.0 304 1.0

660-679: 660 to 679 VantageScore 3.0 358 1.2

680-699: 680 to 699 VantageScore 3.0 413 1.4

700-719: 700 to 719 VantageScore 3.0 523 1.7

720-739: 720 to 739 VantageScore 3.0 620 2.1

740-850: 740 to 850 VantageScore 3.0 4,225 14.1

VantageScore 3.0 in September 2013 | Respondent


. : Blank 3 0.0


300-619: 300 to 619 VantageScore 3.0 362 1.2

620-639: 620 to 639 VantageScore 3.0 270 0.9

640-659: 640 to 659 VantageScore 3.0 395 1.3

660-679: 660 to 679 VantageScore 3.0 465 1.6

680-699: 680 to 699 VantageScore 3.0 531 1.8

700-719: 700 to 719 VantageScore 3.0 664 2.2

720-739: 720 to 739 VantageScore 3.0 773 2.6

740-850: 740 to 850 VantageScore 3.0 5,033 16.8

VantageScore 3.0 in December 2013 | Respondent


. : Blank 3 0.0


300-619: 300 to 619 VantageScore 3.0 465 1.6

620-639: 620 to 639 VantageScore 3.0 357 1.2

640-659: 640 to 659 VantageScore 3.0 494 1.6

660-679: 660 to 679 VantageScore 3.0 604 2.0

680-699: 680 to 699 VantageScore 3.0 634 2.1

700-719: 700 to 719 VantageScore 3.0 756 2.5

720-739: 720 to 739 VantageScore 3.0 983 3.3

740-850: 740 to 850 VantageScore 3.0 6,026 20.1


175



. : Blank 4 0.0


300-619: 300 to 619 VantageScore 3.0 525 1.8

620-639: 620 to 639 VantageScore 3.0 367 1.2

640-659: 640 to 659 VantageScore 3.0 573 1.9

660-679: 660 to 679 VantageScore 3.0 657 2.2

680-699: 680 to 699 VantageScore 3.0 780 2.6

700-719: 700 to 719 VantageScore 3.0 894 3.0

720-739: 720 to 739 VantageScore 3.0 1,142 3.8

740-850: 740 to 850 VantageScore 3.0 7,083 23.6



. : Blank 4 0.0


300-619: 300 to 619 VantageScore 3.0 592 2.0

620-639: 620 to 639 VantageScore 3.0 457 1.5

640-659: 640 to 659 VantageScore 3.0 636 2.1

660-679: 660 to 679 VantageScore 3.0 714 2.4

680-699: 680 to 699 VantageScore 3.0 861 2.9

700-719: 700 to 719 VantageScore 3.0 1,038 3.5

720-739: 720 to 739 VantageScore 3.0 1,245 4.2

740-850: 740 to 850 VantageScore 3.0 7,797 26.0



. : Blank 7 0.0


300-619: 300 to 619 VantageScore 3.0 717 2.4

620-639: 620 to 639 VantageScore 3.0 511 1.7

640-659: 640 to 659 VantageScore 3.0 734 2.4

660-679: 660 to 679 VantageScore 3.0 827 2.8

680-699: 680 to 699 VantageScore 3.0 918 3.1

700-719: 700 to 719 VantageScore 3.0 1,183 3.9

720-739: 720 to 739 VantageScore 3.0 1,428 4.8

740-850: 740 to 850 VantageScore 3.0 8,666 28.9


176



. : Blank 8 0.0


300-619: 300 to 619 VantageScore 3.0 882 2.9

620-639: 620 to 639 VantageScore 3.0 561 1.9

640-659: 640 to 659 VantageScore 3.0 876 2.9

660-679: 660 to 679 VantageScore 3.0 1,002 3.3

680-699: 680 to 699 VantageScore 3.0 1,020 3.4

700-719: 700 to 719 VantageScore 3.0 1,292 4.3

720-739: 720 to 739 VantageScore 3.0 1,541 5.1

740-850: 740 to 850 VantageScore 3.0 9,468 31.6



. : Blank 13 0.0


300-619: 300 to 619 VantageScore 3.0 896 3.0

620-639: 620 to 639 VantageScore 3.0 571 1.9

640-659: 640 to 659 VantageScore 3.0 945 3.2

660-679: 660 to 679 VantageScore 3.0 969 3.2

680-699: 680 to 699 VantageScore 3.0 1,097 3.7

700-719: 700 to 719 VantageScore 3.0 1,410 4.7

720-739: 720 to 739 VantageScore 3.0 1,635 5.5

740-850: 740 to 850 VantageScore 3.0 10,648 35.5



. : Blank 22 0.1


300-619: 300 to 619 VantageScore 3.0 967 3.2

620-639: 620 to 639 VantageScore 3.0 618 2.1

640-659: 640 to 659 VantageScore 3.0 918 3.1

660-679: 660 to 679 VantageScore 3.0 1,078 3.6

680-699: 680 to 699 VantageScore 3.0 1,178 3.9

700-719: 700 to 719 VantageScore 3.0 1,513 5.0

720-739: 720 to 739 VantageScore 3.0 1,823 6.1

740-850: 740 to 850 VantageScore 3.0 11,455 38.2


177



. : Blank 27 0.1


300-619: 300 to 619 VantageScore 3.0 1,148 3.8

620-639: 620 to 639 VantageScore 3.0 668 2.2

640-659: 640 to 659 VantageScore 3.0 1,013 3.4

660-679: 660 to 679 VantageScore 3.0 1,158 3.9

680-699: 680 to 699 VantageScore 3.0 1,226 4.1

700-719: 700 to 719 VantageScore 3.0 1,589 5.3

720-739: 720 to 739 VantageScore 3.0 1,997 6.7

740-850: 740 to 850 VantageScore 3.0 12,299 41.0



. : Blank 36 0.1


300-619: 300 to 619 VantageScore 3.0 1,288 4.3

620-639: 620 to 639 VantageScore 3.0 699 2.3

640-659: 640 to 659 VantageScore 3.0 1,113 3.7

660-679: 660 to 679 VantageScore 3.0 1,257 4.2

680-699: 680 to 699 VantageScore 3.0 1,300 4.3

700-719: 700 to 719 VantageScore 3.0 1,673 5.6

720-739: 720 to 739 VantageScore 3.0 2,082 6.9

740-850: 740 to 850 VantageScore 3.0 13,291 44.4



. : Blank 50 0.2


300-619: 300 to 619 VantageScore 3.0 1,262 4.2

620-639: 620 to 639 VantageScore 3.0 736 2.5

640-659: 640 to 659 VantageScore 3.0 1,046 3.5

660-679: 660 to 679 VantageScore 3.0 1,273 4.2

680-699: 680 to 699 VantageScore 3.0 1,458 4.9

700-719: 700 to 719 VantageScore 3.0 1,775 5.9

720-739: 720 to 739 VantageScore 3.0 2,111 7.0

740-850: 740 to 850 VantageScore 3.0 14,697 49.1


178



. : Blank 59 0.2


300-619: 300 to 619 VantageScore 3.0 1,333 4.4

620-639: 620 to 639 VantageScore 3.0 727 2.4

640-659: 640 to 659 VantageScore 3.0 1,177 3.9

660-679: 660 to 679 VantageScore 3.0 1,345 4.5

680-699: 680 to 699 VantageScore 3.0 1,474 4.9

700-719: 700 to 719 VantageScore 3.0 1,833 6.1

720-739: 720 to 739 VantageScore 3.0 2,254 7.5

740-850: 740 to 850 VantageScore 3.0 15,393 51.4



. : Blank 66 0.2


300-619: 300 to 619 VantageScore 3.0 1,502 5.0

620-639: 620 to 639 VantageScore 3.0 820 2.7

640-659: 640 to 659 VantageScore 3.0 1,211 4.0

660-679: 660 to 679 VantageScore 3.0 1,360 4.5

680-699: 680 to 699 VantageScore 3.0 1,547 5.2

700-719: 700 to 719 VantageScore 3.0 1,862 6.2

720-739: 720 to 739 VantageScore 3.0 2,422 8.1

740-850: 740 to 850 VantageScore 3.0 16,058 53.6



. : Blank 83 0.3


300-619: 300 to 619 VantageScore 3.0 1,694 5.7

620-639: 620 to 639 VantageScore 3.0 863 2.9

640-659: 640 to 659 VantageScore 3.0 1,280 4.3

660-679: 660 to 679 VantageScore 3.0 1,424 4.8

680-699: 680 to 699 VantageScore 3.0 1,532 5.1

700-719: 700 to 719 VantageScore 3.0 2,014 6.7

720-739: 720 to 739 VantageScore 3.0 2,514 8.4

740-850: 740 to 850 VantageScore 3.0 16,772 56.0


179



. : Blank 106 0.4


300-619: 300 to 619 VantageScore 3.0 1,642 5.5

620-639: 620 to 639 VantageScore 3.0 859 2.9

640-659: 640 to 659 VantageScore 3.0 1,298 4.3

660-679: 660 to 679 VantageScore 3.0 1,404 4.7

680-699: 680 to 699 VantageScore 3.0 1,621 5.4

700-719: 700 to 719 VantageScore 3.0 1,996 6.7

720-739: 720 to 739 VantageScore 3.0 2,559 8.5

740-850: 740 to 850 VantageScore 3.0 18,106 60.4



. : Blank 121 0.4


300-619: 300 to 619 VantageScore 3.0 1,650 5.5

620-639: 620 to 639 VantageScore 3.0 886 3.0

640-659: 640 to 659 VantageScore 3.0 1,255 4.2

660-679: 660 to 679 VantageScore 3.0 1,355 4.5

680-699: 680 to 699 VantageScore 3.0 1,517 5.1

700-719: 700 to 719 VantageScore 3.0 2,037 6.8

720-739: 720 to 739 VantageScore 3.0 2,561 8.5

740-850: 740 to 850 VantageScore 3.0 18,336 61.2



. : Blank 137 0.5


300-619: 300 to 619 VantageScore 3.0 1,718 5.7

620-639: 620 to 639 VantageScore 3.0 816 2.7

640-659: 640 to 659 VantageScore 3.0 1,261 4.2

660-679: 660 to 679 VantageScore 3.0 1,337 4.5

680-699: 680 to 699 VantageScore 3.0 1,531 5.1

700-719: 700 to 719 VantageScore 3.0 1,989 6.6

720-739: 720 to 739 VantageScore 3.0 2,517 8.4

740-850: 740 to 850 VantageScore 3.0 18,421 61.5


180



. : Blank 157 0.5


300-619: 300 to 619 VantageScore 3.0 1,829 6.1

620-639: 620 to 639 VantageScore 3.0 829 2.8

640-659: 640 to 659 VantageScore 3.0 1,241 4.1

660-679: 660 to 679 VantageScore 3.0 1,356 4.5

680-699: 680 to 699 VantageScore 3.0 1,525 5.1

700-719: 700 to 719 VantageScore 3.0 1,911 6.4

720-739: 720 to 739 VantageScore 3.0 2,544 8.5

740-850: 740 to 850 VantageScore 3.0 18,340 61.2



. : Blank 188 0.6


300-619: 300 to 619 VantageScore 3.0 1,762 5.9

620-639: 620 to 639 VantageScore 3.0 772 2.6

640-659: 640 to 659 VantageScore 3.0 1,156 3.9

660-679: 660 to 679 VantageScore 3.0 1,279 4.3

680-699: 680 to 699 VantageScore 3.0 1,436 4.8

700-719: 700 to 719 VantageScore 3.0 1,907 6.4

720-739: 720 to 739 VantageScore 3.0 2,351 7.8

740-850: 740 to 850 VantageScore 3.0 18,881 63.0



. : Blank 211 0.7


300-619: 300 to 619 VantageScore 3.0 1,726 5.8

620-639: 620 to 639 VantageScore 3.0 812 2.7

640-659: 640 to 659 VantageScore 3.0 1,080 3.6

660-679: 660 to 679 VantageScore 3.0 1,249 4.2

680-699: 680 to 699 VantageScore 3.0 1,397 4.7

700-719: 700 to 719 VantageScore 3.0 1,811 6.0

720-739: 720 to 739 VantageScore 3.0 2,349 7.8

740-850: 740 to 850 VantageScore 3.0 19,097 63.7


181



. : Blank 233 0.8


300-619: 300 to 619 VantageScore 3.0 1,765 5.9

620-639: 620 to 639 VantageScore 3.0 787 2.6

640-659: 640 to 659 VantageScore 3.0 1,074 3.6

660-679: 660 to 679 VantageScore 3.0 1,228 4.1

680-699: 680 to 699 VantageScore 3.0 1,297 4.3

700-719: 700 to 719 VantageScore 3.0 1,751 5.8

720-739: 720 to 739 VantageScore 3.0 2,365 7.9

740-850: 740 to 850 VantageScore 3.0 19,232 64.2



. : Blank 252 0.8


300-619: 300 to 619 VantageScore 3.0 1,853 6.2

620-639: 620 to 639 VantageScore 3.0 798 2.7

640-659: 640 to 659 VantageScore 3.0 1,038 3.5

660-679: 660 to 679 VantageScore 3.0 1,245 4.2

680-699: 680 to 699 VantageScore 3.0 1,287 4.3

700-719: 700 to 719 VantageScore 3.0 1,715 5.7

720-739: 720 to 739 VantageScore 3.0 2,311 7.7

740-850: 740 to 850 VantageScore 3.0 19,233 64.2



. : Blank 283 0.9


300-619: 300 to 619 VantageScore 3.0 1,788 6.0

620-639: 620 to 639 VantageScore 3.0 728 2.4

640-659: 640 to 659 VantageScore 3.0 1,027 3.4

660-679: 660 to 679 VantageScore 3.0 1,119 3.7

680-699: 680 to 699 VantageScore 3.0 1,234 4.1

700-719: 700 to 719 VantageScore 3.0 1,677 5.6

720-739: 720 to 739 VantageScore 3.0 2,177 7.3

740-850: 740 to 850 VantageScore 3.0 19,699 65.7


182



. : Blank 316 1.1


300-619: 300 to 619 VantageScore 3.0 1,761 5.9

620-639: 620 to 639 VantageScore 3.0 706 2.4

640-659: 640 to 659 VantageScore 3.0 1,010 3.4

660-679: 660 to 679 VantageScore 3.0 1,104 3.7

680-699: 680 to 699 VantageScore 3.0 1,219 4.1

700-719: 700 to 719 VantageScore 3.0 1,638 5.5

720-739: 720 to 739 VantageScore 3.0 2,138 7.1

740-850: 740 to 850 VantageScore 3.0 19,840 66.2



. : Blank 342 1.1


300-619: 300 to 619 VantageScore 3.0 1,767 5.9

620-639: 620 to 639 VantageScore 3.0 713 2.4

640-659: 640 to 659 VantageScore 3.0 977 3.3

660-679: 660 to 679 VantageScore 3.0 1,124 3.8

680-699: 680 to 699 VantageScore 3.0 1,209 4.0

700-719: 700 to 719 VantageScore 3.0 1,575 5.3

720-739: 720 to 739 VantageScore 3.0 2,110 7.0

740-850: 740 to 850 VantageScore 3.0 19,915 66.5

VantageScore 3.0 in March 2013 | Spouse/Partner

score_0313_s Count Percent

. : Blank 1 0.0


300-619: 300 to 619 VantageScore 3.0 94 0.3

620-639: 620 to 639 VantageScore 3.0 73 0.2

640-659: 640 to 659 VantageScore 3.0 114 0.4

660-679: 660 to 679 VantageScore 3.0 137 0.5

680-699: 680 to 699 VantageScore 3.0 161 0.5

700-719: 700 to 719 VantageScore 3.0 226 0.8

720-739: 720 to 739 VantageScore 3.0 238 0.8

740-850: 740 to 850 VantageScore 3.0 2,076 6.9


183

VantageScore 3.0 in June 2013 | Spouse/Partner


. : Blank 2 0.0


300-619: 300 to 619 VantageScore 3.0 122 0.4

620-639: 620 to 639 VantageScore 3.0 100 0.3

640-659: 640 to 659 VantageScore 3.0 139 0.5

660-679: 660 to 679 VantageScore 3.0 183 0.6

680-699: 680 to 699 VantageScore 3.0 188 0.6

700-719: 700 to 719 VantageScore 3.0 281 0.9

720-739: 720 to 739 VantageScore 3.0 348 1.2

740-850: 740 to 850 VantageScore 3.0 2,457 8.2

VantageScore 3.0 in September 2013 | Spouse/Partner


. : Blank 3 0.0


300-619: 300 to 619 VantageScore 3.0 158 0.5

620-639: 620 to 639 VantageScore 3.0 121 0.4

640-659: 640 to 659 VantageScore 3.0 218 0.7

660-679: 660 to 679 VantageScore 3.0 218 0.7

680-699: 680 to 699 VantageScore 3.0 246 0.8

700-719: 700 to 719 VantageScore 3.0 340 1.1

720-739: 720 to 739 VantageScore 3.0 417 1.4

740-850: 740 to 850 VantageScore 3.0 2,941 9.8

VantageScore 3.0 in December 2013 | Spouse/Partner


. : Blank 5 0.0


300-619: 300 to 619 VantageScore 3.0 198 0.7

620-639: 620 to 639 VantageScore 3.0 149 0.5

640-659: 640 to 659 VantageScore 3.0 229 0.8

660-679: 660 to 679 VantageScore 3.0 287 1.0

680-699: 680 to 699 VantageScore 3.0 328 1.1

700-719: 700 to 719 VantageScore 3.0 413 1.4

720-739: 720 to 739 VantageScore 3.0 541 1.8

740-850: 740 to 850 VantageScore 3.0 3,461 11.6


184



. : Blank 5 0.0


300-619: 300 to 619 VantageScore 3.0 198 0.7

620-639: 620 to 639 VantageScore 3.0 165 0.6

640-659: 640 to 659 VantageScore 3.0 275 0.9

660-679: 660 to 679 VantageScore 3.0 291 1.0

680-699: 680 to 699 VantageScore 3.0 381 1.3

700-719: 700 to 719 VantageScore 3.0 509 1.7

720-739: 720 to 739 VantageScore 3.0 592 2.0

740-850: 740 to 850 VantageScore 3.0 4,092 13.7



. : Blank 4 0.0


300-619: 300 to 619 VantageScore 3.0 236 0.8

620-639: 620 to 639 VantageScore 3.0 197 0.7

640-659: 640 to 659 VantageScore 3.0 298 1.0

660-679: 660 to 679 VantageScore 3.0 356 1.2

680-699: 680 to 699 VantageScore 3.0 429 1.4

700-719: 700 to 719 VantageScore 3.0 545 1.8

720-739: 720 to 739 VantageScore 3.0 638 2.1

740-850: 740 to 850 VantageScore 3.0 4,538 15.1



. : Blank 5 0.0


300-619: 300 to 619 VantageScore 3.0 273 0.9

620-639: 620 to 639 VantageScore 3.0 226 0.8

640-659: 640 to 659 VantageScore 3.0 350 1.2

660-679: 660 to 679 VantageScore 3.0 399 1.3

680-699: 680 to 699 VantageScore 3.0 437 1.5

700-719: 700 to 719 VantageScore 3.0 591 2.0

720-739: 720 to 739 VantageScore 3.0 748 2.5

740-850: 740 to 850 VantageScore 3.0 5,049 16.9


185



. : Blank 6 0.0


300-619: 300 to 619 VantageScore 3.0 335 1.1

620-639: 620 to 639 VantageScore 3.0 252 0.8

640-659: 640 to 659 VantageScore 3.0 391 1.3

660-679: 660 to 679 VantageScore 3.0 448 1.5

680-699: 680 to 699 VantageScore 3.0 501 1.7

700-719: 700 to 719 VantageScore 3.0 692 2.3

720-739: 720 to 739 VantageScore 3.0 819 2.7

740-850: 740 to 850 VantageScore 3.0 5,505 18.4



. : Blank 16 0.1


300-619: 300 to 619 VantageScore 3.0 349 1.2

620-639: 620 to 639 VantageScore 3.0 246 0.8

640-659: 640 to 659 VantageScore 3.0 378 1.3

660-679: 660 to 679 VantageScore 3.0 474 1.6

680-699: 680 to 699 VantageScore 3.0 565 1.9

700-719: 700 to 719 VantageScore 3.0 706 2.4

720-739: 720 to 739 VantageScore 3.0 879 2.9

740-850: 740 to 850 VantageScore 3.0 6,134 20.5



. : Blank 15 0.1


300-619: 300 to 619 VantageScore 3.0 359 1.2

620-639: 620 to 639 VantageScore 3.0 268 0.9

640-659: 640 to 659 VantageScore 3.0 406 1.4

660-679: 660 to 679 VantageScore 3.0 504 1.7

680-699: 680 to 699 VantageScore 3.0 578 1.9

700-719: 700 to 719 VantageScore 3.0 750 2.5

720-739: 720 to 739 VantageScore 3.0 972 3.2

740-850: 740 to 850 VantageScore 3.0 6,587 22.0


186



. : Blank 19 0.1


300-619: 300 to 619 VantageScore 3.0 423 1.4

620-639: 620 to 639 VantageScore 3.0 286 1.0

640-659: 640 to 659 VantageScore 3.0 468 1.6

660-679: 660 to 679 VantageScore 3.0 538 1.8

680-699: 680 to 699 VantageScore 3.0 605 2.0

700-719: 700 to 719 VantageScore 3.0 813 2.7

720-739: 720 to 739 VantageScore 3.0 1,064 3.6

740-850: 740 to 850 VantageScore 3.0 7,013 23.4



. : Blank 34 0.1


300-619: 300 to 619 VantageScore 3.0 471 1.6

620-639: 620 to 639 VantageScore 3.0 320 1.1

640-659: 640 to 659 VantageScore 3.0 489 1.6

660-679: 660 to 679 VantageScore 3.0 614 2.0

680-699: 680 to 699 VantageScore 3.0 598 2.0

700-719: 700 to 719 VantageScore 3.0 848 2.8

720-739: 720 to 739 VantageScore 3.0 1,118 3.7

740-850: 740 to 850 VantageScore 3.0 7,607 25.4



. : Blank 33 0.1


300-619: 300 to 619 VantageScore 3.0 483 1.6

620-639: 620 to 639 VantageScore 3.0 285 1.0

640-659: 640 to 659 VantageScore 3.0 486 1.6

660-679: 660 to 679 VantageScore 3.0 589 2.0

680-699: 680 to 699 VantageScore 3.0 659 2.2

700-719: 700 to 719 VantageScore 3.0 868 2.9

720-739: 720 to 739 VantageScore 3.0 1,120 3.7

740-850: 740 to 850 VantageScore 3.0 8,445 28.2


187



. : Blank 38 0.1


300-619: 300 to 619 VantageScore 3.0 478 1.6

620-639: 620 to 639 VantageScore 3.0 314 1.0

640-659: 640 to 659 VantageScore 3.0 523 1.7

660-679: 660 to 679 VantageScore 3.0 632 2.1

680-699: 680 to 699 VantageScore 3.0 675 2.3

700-719: 700 to 719 VantageScore 3.0 897 3.0

720-739: 720 to 739 VantageScore 3.0 1,242 4.1

740-850: 740 to 850 VantageScore 3.0 8,744 29.2



. : Blank 40 0.1


300-619: 300 to 619 VantageScore 3.0 551 1.8

620-639: 620 to 639 VantageScore 3.0 302 1.0

640-659: 640 to 659 VantageScore 3.0 539 1.8

660-679: 660 to 679 VantageScore 3.0 658 2.2

680-699: 680 to 699 VantageScore 3.0 712 2.4

700-719: 700 to 719 VantageScore 3.0 937 3.1

720-739: 720 to 739 VantageScore 3.0 1,279 4.3

740-850: 740 to 850 VantageScore 3.0 9,146 30.5



. : Blank 50 0.2


300-619: 300 to 619 VantageScore 3.0 618 2.1

620-639: 620 to 639 VantageScore 3.0 338 1.1

640-659: 640 to 659 VantageScore 3.0 559 1.9

660-679: 660 to 679 VantageScore 3.0 659 2.2

680-699: 680 to 699 VantageScore 3.0 760 2.5

700-719: 700 to 719 VantageScore 3.0 994 3.3

720-739: 720 to 739 VantageScore 3.0 1,340 4.5

740-850: 740 to 850 VantageScore 3.0 9,509 31.7


188



. : Blank 59 0.2


300-619: 300 to 619 VantageScore 3.0 588 2.0

620-639: 620 to 639 VantageScore 3.0 360 1.2

640-659: 640 to 659 VantageScore 3.0 605 2.0

660-679: 660 to 679 VantageScore 3.0 614 2.0

680-699: 680 to 699 VantageScore 3.0 764 2.5

700-719: 700 to 719 VantageScore 3.0 976 3.3

720-739: 720 to 739 VantageScore 3.0 1,340 4.5

740-850: 740 to 850 VantageScore 3.0 10,188 34.0



. : Blank 73 0.2


300-619: 300 to 619 VantageScore 3.0 565 1.9

620-639: 620 to 639 VantageScore 3.0 359 1.2

640-659: 640 to 659 VantageScore 3.0 571 1.9

660-679: 660 to 679 VantageScore 3.0 673 2.2

680-699: 680 to 699 VantageScore 3.0 704 2.3

700-719: 700 to 719 VantageScore 3.0 982 3.3

720-739: 720 to 739 VantageScore 3.0 1,306 4.4

740-850: 740 to 850 VantageScore 3.0 10,315 34.4



. : Blank 71 0.2


300-619: 300 to 619 VantageScore 3.0 591 2.0

620-639: 620 to 639 VantageScore 3.0 354 1.2

640-659: 640 to 659 VantageScore 3.0 576 1.9

660-679: 660 to 679 VantageScore 3.0 640 2.1

680-699: 680 to 699 VantageScore 3.0 767 2.6

700-719: 700 to 719 VantageScore 3.0 917 3.1

720-739: 720 to 739 VantageScore 3.0 1,257 4.2

740-850: 740 to 850 VantageScore 3.0 10,377 34.6


189



. : Blank 83 0.3


300-619: 300 to 619 VantageScore 3.0 641 2.1

620-639: 620 to 639 VantageScore 3.0 339 1.1

640-659: 640 to 659 VantageScore 3.0 564 1.9

660-679: 660 to 679 VantageScore 3.0 662 2.2

680-699: 680 to 699 VantageScore 3.0 746 2.5

700-719: 700 to 719 VantageScore 3.0 955 3.2

720-739: 720 to 739 VantageScore 3.0 1,252 4.2

740-850: 740 to 850 VantageScore 3.0 10,313 34.4



. : Blank 89 0.3


300-619: 300 to 619 VantageScore 3.0 641 2.1

620-639: 620 to 639 VantageScore 3.0 319 1.1

640-659: 640 to 659 VantageScore 3.0 493 1.6

660-679: 660 to 679 VantageScore 3.0 593 2.0

680-699: 680 to 699 VantageScore 3.0 681 2.3

700-719: 700 to 719 VantageScore 3.0 953 3.2

720-739: 720 to 739 VantageScore 3.0 1,155 3.9

740-850: 740 to 850 VantageScore 3.0 10,631 35.5



. : Blank 93 0.3


300-619: 300 to 619 VantageScore 3.0 635 2.1

620-639: 620 to 639 VantageScore 3.0 295 1.0

640-659: 640 to 659 VantageScore 3.0 491 1.6

660-679: 660 to 679 VantageScore 3.0 598 2.0

680-699: 680 to 699 VantageScore 3.0 635 2.1

700-719: 700 to 719 VantageScore 3.0 912 3.0

720-739: 720 to 739 VantageScore 3.0 1,234 4.1

740-850: 740 to 850 VantageScore 3.0 10,662 35.6


190



. : Blank 116 0.4


300-619: 300 to 619 VantageScore 3.0 619 2.1

620-639: 620 to 639 VantageScore 3.0 292 1.0

640-659: 640 to 659 VantageScore 3.0 454 1.5

660-679: 660 to 679 VantageScore 3.0 610 2.0

680-699: 680 to 699 VantageScore 3.0 627 2.1

700-719: 700 to 719 VantageScore 3.0 855 2.9

720-739: 720 to 739 VantageScore 3.0 1,188 4.0

740-850: 740 to 850 VantageScore 3.0 10,794 36.0



. : Blank 126 0.4


300-619: 300 to 619 VantageScore 3.0 677 2.3

620-639: 620 to 639 VantageScore 3.0 299 1.0

640-659: 640 to 659 VantageScore 3.0 450 1.5

660-679: 660 to 679 VantageScore 3.0 606 2.0

680-699: 680 to 699 VantageScore 3.0 653 2.2

700-719: 700 to 719 VantageScore 3.0 810 2.7

720-739: 720 to 739 VantageScore 3.0 1,157 3.9

740-850: 740 to 850 VantageScore 3.0 10,777 36.0



. : Blank 146 0.5


300-619: 300 to 619 VantageScore 3.0 641 2.1

620-639: 620 to 639 VantageScore 3.0 273 0.9

640-659: 640 to 659 VantageScore 3.0 457 1.5

660-679: 660 to 679 VantageScore 3.0 534 1.8

680-699: 680 to 699 VantageScore 3.0 590 2.0

700-719: 700 to 719 VantageScore 3.0 817 2.7

720-739: 720 to 739 VantageScore 3.0 1,120 3.7

740-850: 740 to 850 VantageScore 3.0 10,977 36.6


191



. : Blank 164 0.5


300-619: 300 to 619 VantageScore 3.0 628 2.1

620-639: 620 to 639 VantageScore 3.0 298 1.0

640-659: 640 to 659 VantageScore 3.0 447 1.5

660-679: 660 to 679 VantageScore 3.0 513 1.7

680-699: 680 to 699 VantageScore 3.0 569 1.9

700-719: 700 to 719 VantageScore 3.0 781 2.6

720-739: 720 to 739 VantageScore 3.0 1,110 3.7

740-850: 740 to 850 VantageScore 3.0 11,045 36.9



. : Blank 167 0.6


300-619: 300 to 619 VantageScore 3.0 631 2.1

620-639: 620 to 639 VantageScore 3.0 314 1.0

640-659: 640 to 659 VantageScore 3.0 441 1.5

660-679: 660 to 679 VantageScore 3.0 474 1.6

680-699: 680 to 699 VantageScore 3.0 575 1.9

700-719: 700 to 719 VantageScore 3.0 752 2.5

720-739: 720 to 739 VantageScore 3.0 1,105 3.7

740-850: 740 to 850 VantageScore 3.0 11,096 37.0

Mortgage Performance Status in March 2013

perf_status_0313 Count Percent

B: Loan potentially closed around the quarter 2 0.0

C: Current 562 1.9

K: Loan opened, performance has not yet been reported by the servicer to thecredit bureau

960 3.2

P: Performance history not yet started (before loan opened) 28,428 94.9

S: Performance for month suppressed by the servicer 10 0.0


192

Mortgage Performance Status in June 2013


9: Bankruptcy Chapter 7, 11, 12, settled, insurance claim, term benefit,government claim, paid by dealer, collection, charge off

1 0.0

A: Performance history no longer being reported (in most cases after loanclosed)

1 0.0


C: Current 1,850 6.2


1,385 4.6



Mortgage Performance Status in September 2013


1: 30 to 59 days past due date 1 0.0


6 0.0


C: Current 3,483 11.6


1,202 4.0

M: Performance missing for month, gap between archive histories (oftenoccurs when loans are transferred or as a result of bankruptcy)

6 0.0



Mortgage Performance Status in December 2013





21 0.1


C: Current 4,893 16.3


1,082 3.6


5 0.0




193






7: Bankruptcy Chapter 13 2 0.0


47 0.2


C: Current 6,117 20.4


946 3.2


18 0.1








6: 180 or more days past due date 2 0.0


79 0.3


C: Current 7,347 24.5


1,264 4.2


13 0.0




194








1 0.0


139 0.5


C: Current 8,911 29.7


1,314 4.4


19 0.1











8: Foreclosure proceeding started, deed in lieu, foreclosure,Â voluntarysurrender, repossession

1 0.0


1 0.0


273 0.9


C: Current 10,478 35.0


1,100 3.7


25 0.1




195










2 0.0


2 0.0


456 1.5


C: Current 11,481 38.3


961 3.2


23 0.1












3 0.0


823 2.7


C: Current 12,539 41.8


1,148 3.8


15 0.1




196











3 0.0


2 0.0


1,329 4.4


C: Current 13,915 46.4


1,042 3.5


28 0.1













3 0.0


1 0.0


1,650 5.5


C: Current 15,082 50.3


991 3.3


197




25 0.1













2 0.0


2 0.0


2,025 6.8


C: Current 16,103 53.7


872 2.9


25 0.1




198










2 0.0


2 0.0


2,397 8.0

B: Loan potentially closed around the quarter 1,034 3.5

C: Current 16,929 56.5


930 3.1


28 0.1












3 0.0


7 0.0


2,961 9.9


C: Current 17,690 59.0


986 3.3


26 0.1


199















3 0.0


4 0.0


3,719 12.4


C: Current 18,668 62.3


1,061 3.5


24 0.1




200










3 0.0


1 0.0


4,501 15.0


C: Current 19,601 65.4


782 2.6


31 0.1













7 0.0


1 0.0


4,976 16.6


C: Current 20,249 67.6


786 2.6



201




28 0.1












5 0.0


1 0.0


5,522 18.4


C: Current 20,919 69.8


895 3.0


28 0.1




202











4 0.0


2 0.0


6,116 20.4


C: Current 21,746 72.6


862 2.9


27 0.1











5 0.0


2 0.0


6,693 22.3


C: Current 21,893 73.1


93 0.3



203




62 0.2












6 0.0


7 0.0


7,261 24.2


C: Current 21,424 71.5


2 0.0


48 0.2



204











7 0.0


2 0.0


7,874 26.3


C: Current 20,919 69.8


41 0.1











8 0.0


3 0.0


8,418 28.1


C: Current 20,429 68.2


38 0.1



205











10 0.0


5 0.0


8,933 29.8


C: Current 19,877 66.3


39 0.1











7 0.0


4 0.0


9,410 31.4


C: Current 19,127 63.8


41 0.1



206










15 0.1


3 0.0


10,061 33.6


C: Current 18,891 63.0


73 0.2


Mortgage Termination Year

close_year Count Percent


2013: 2013 47 0.2

2014: 2014 409 1.4

2015: 2015 1,569 5.2

2016: 2016 2,476 8.3

2017: 2017 2,192 7.3

2018: 2018 2,265 7.6

2019: 2019 1,856 6.2


207

Mortgage Termination Month

close_month Count Percent


1 : January 745 2.5

2 : February 670 2.2

3 : March 880 2.9

4 : April 924 3.1

5 : May 959 3.2

6 : June 1,064 3.6

7 : July 972 3.2

8 : August 1,140 3.8

9 : September 977 3.3

10: October 862 2.9

11: November 823 2.7

12: December 798 2.7

Mortgage Termination Status in September 2019

close_status_0919 Count Percent

1: Mortgage Open 19,148 63.9

2: Mortgage Terminated 10,814 36.1


208

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