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872Residential Mortgage Insurance Application

This X12 Transaction Set contains the format and establishes the data contents of the Residential Mortgage Insurance Application Transaction Set (872) for use within the context of an Electronic Data Interchange (EDI) environment. This transaction can be used by a mortgage originator to request mortgage insurance and to provide supporting information needed to obtain a mortgage insurance commitment on one or several residential mortgage loans. It can also be used, in conjunction with other transaction sets, to provide information needed to obtain an automated underwriting decision from a residential real estate automated underwriting system.

  • ST
    Transaction Set Header
    M必须(Mandatory)
    Repeat 1

    To indicate the start of a transaction set and to assign a control number

  • BGN
    Beginning Segment
    M必须(Mandatory)
    Repeat 1

    To indicate the beginning of a transaction set

  • N1
    Party Identification
    M必须(Mandatory)
    Repeat 5

    To identify a party by type of organization, name, and code

  • NM1Loop1Individual or Organizational Name LOOPM必须(Mandatory)Repeat > 1
    NM1REFLRQLoop1
    • NM1
      Individual or Organizational Name
      M必须(Mandatory)
      Repeat 1

      To supply the full name of an individual or organizational entity

    • REF
      Reference Information
      O可选(Optional)
      Repeat 12

      To specify identifying information

    • LRQLoop1Mortgage Characteristics Requested LOOPM必须(Mandatory)Repeat > 1
      LRQLN1PRDMICPERREFPEXRESCDILoop1SCMLoop1NX1Loop1IN1Loop1REALoop1MCDLoop1PRJLoop1
      • LRQ
        Mortgage Characteristics Requested
        M必须(Mandatory)
        Repeat 1

        To describe the characteristics of a mortgage requested by the applicant(s)

      • LN1
        Loan Specific Data
        M必须(Mandatory)
        Repeat 1

        To provide high-level information about a loan

      • PRD
        Mortgage Loan Product Description
        O可选(Optional)
        Repeat 1

        To describe terms of a mortgage product

      • MIC
        Mortgage Insurance Coverage
        O可选(Optional)
        Repeat 5

        To describe the type and extent of mortgage insurance

      • PER
        Administrative Communications Contact
        O可选(Optional)
        Repeat 5

        To identify a person or office to whom administrative communications should be directed

      • REF
        Reference Information
        O可选(Optional)
        Repeat > 1

        To specify identifying information

      • PEX
        Property or Housing Expense
        O可选(Optional)
        Repeat 20

        To provide housing expense information

      • RES
        Real Estate Sales Price Change
        O可选(Optional)
        Repeat > 1

        To provide the type, source, and amount of real estate sales price changes

      • CDILoop1Change Detail Information LOOPO可选(Optional)Repeat > 1
        CDILXLoop1
        • CDI
          Change Detail Information
          M必须(Mandatory)
          Repeat 1

          To provide information on changes or adjustments

        • LXLoop1Transaction Set Line Number LOOPO可选(Optional)Repeat > 1
          LXVDIYNQAMTPCTDTPIIIBUY
          • LX
            Transaction Set Line Number
            M必须(Mandatory)
            Repeat 1

            To reference a line number in a transaction set

          • VDI
            Value Description or Information
            O可选(Optional)
            Repeat > 1

            To provide detailed description of a financial value

          • YNQ
            Yes/No Question
            O可选(Optional)
            Repeat > 1

            To identify and answer yes and no questions, including the date, time, and comments further qualifying the condition

          • AMT
            Monetary Amount Information
            O可选(Optional)
            Repeat > 1

            To indicate the total monetary amount

          • PCT
            Percent Amounts
            O可选(Optional)
            Repeat > 1

            To qualify percent amounts and supply percent amounts

          • DTP
            Date or Time or Period
            O可选(Optional)
            Repeat > 1

            To specify any or all of a date, a time, or a time period

          • III
            Information
            O可选(Optional)
            Repeat > 1

            To report information

          • BUY
            Loan Buydown
            O可选(Optional)
            Repeat 1

            To describe the features of a loan buydown

      • SCMLoop1Credit Score Model LOOPO可选(Optional)Repeat 10
        SCMSCSDTP
        • SCM
          Credit Score Model
          M必须(Mandatory)
          Repeat 1

          To define the credit score model used and the related score

        • SCS
          Credit Score
          O可选(Optional)
          Repeat 5

          To identify evaluation factors used in determining an applicant's credit score

        • DTP
          Date or Time or Period
          O可选(Optional)
          Repeat 1

          To specify any or all of a date, a time, or a time period

      • NX1Loop1Property or Entity Identification LOOPO可选(Optional)Repeat 5
        NX1NX2PASLoop1
        • NX1
          Property or Entity Identification
          M必须(Mandatory)
          Repeat 1

          To define the attributes of a property or an entity

        • NX2
          Location ID Component
          M必须(Mandatory)
          Repeat 30

          To define types and values of a geographic location

        • PASLoop1Property Appraisal Summary LOOPM必须(Mandatory)Repeat 5
          PASN1MSGREFLoop1
          • PAS
            Property Appraisal Summary
            M必须(Mandatory)
            Repeat 1

            To provide high-level information about the property valuation

          • N1
            Party Identification
            O可选(Optional)
            Repeat 2

            To identify a party by type of organization, name, and code

          • MSG
            Message Text
            O可选(Optional)
            Repeat 10

            To provide a free-form format that allows the transmission of text information

          • REFLoop1Reference Information LOOPO可选(Optional)Repeat > 1
            REFAMT
            • REF
              Reference Information
              M必须(Mandatory)
              Repeat 1

              To specify identifying information

            • AMT
              Monetary Amount Information
              O可选(Optional)
              Repeat > 1

              To indicate the total monetary amount

      • IN1Loop1Individual Identification LOOPO可选(Optional)Repeat 12
        IN1IN2YNQDMGMSGN10BFSSCMLoop2NX1Loop2
        • IN1
          Individual Identification
          M必须(Mandatory)
          Repeat 1

          To provide identification of an individual or entity

        • IN2
          Individual Name Structure Components
          M必须(Mandatory)
          Repeat 10

          To sequence individual name components for maximum specificity

        • YNQ
          Yes/No Question
          O可选(Optional)
          Repeat 5

          To identify and answer yes and no questions, including the date, time, and comments further qualifying the condition

        • DMG
          Demographic Information
          O可选(Optional)
          Repeat 1

          To supply demographic information

        • MSG
          Message Text
          O可选(Optional)
          Repeat 1

          To provide a free-form format that allows the transmission of text information

        • N10
          Quantity and Description
          O可选(Optional)
          Repeat 1

          To indicate line item quantity, description, marks and numbers, commodity code, weight, and customs value

        • BFS
          Borrower Financial Summary
          O可选(Optional)
          Repeat 1

          To provide summary totals for borrower's financial position

        • SCMLoop2Credit Score Model LOOPO可选(Optional)Repeat 10
          SCMSCSDTP
          • SCM
            Credit Score Model
            M必须(Mandatory)
            Repeat 1

            To define the credit score model used and the related score

          • SCS
            Credit Score
            O可选(Optional)
            Repeat 5

            To identify evaluation factors used in determining an applicant's credit score

          • DTP
            Date or Time or Period
            O可选(Optional)
            Repeat 1

            To specify any or all of a date, a time, or a time period

        • NX1Loop2Property or Entity Identification LOOPO可选(Optional)Repeat 10
          NX1NX2N10
          • NX1
            Property or Entity Identification
            M必须(Mandatory)
            Repeat 1

            To define the attributes of a property or an entity

          • NX2
            Location ID Component
            M必须(Mandatory)
            Repeat 30

            To define types and values of a geographic location

          • N10
            Quantity and Description
            O可选(Optional)
            Repeat 1

            To indicate line item quantity, description, marks and numbers, commodity code, weight, and customs value

      • REALoop1Real Estate Property Information LOOPO可选(Optional)Repeat 1
        REAAMT
        • REA
          Real Estate Property Information
          M必须(Mandatory)
          Repeat 1

          To provide a description of real estate or general property information

        • AMT
          Monetary Amount Information
          O可选(Optional)
          Repeat 10

          To indicate the total monetary amount

      • MCDLoop1Mortgage Closing Data LOOPO可选(Optional)Repeat 1
        MCDAMT
        • MCD
          Mortgage Closing Data
          M必须(Mandatory)
          Repeat 1

          To provide details about loan settlement

        • AMT
          Monetary Amount Information
          O可选(Optional)
          Repeat 10

          To indicate the total monetary amount

      • PRJLoop1Multifamily Housing Project LOOPO可选(Optional)Repeat 1
        PRJPER
        • PRJ
          Multifamily Housing Project
          M必须(Mandatory)
          Repeat 1

          To describe attributes of a multifamily housing project

        • PER
          Administrative Communications Contact
          O可选(Optional)
          Repeat 10

          To identify a person or office to whom administrative communications should be directed

  • SE
    Transaction Set Trailer
    M必须(Mandatory)
    Repeat 1

    To indicate the end of the transaction set and provide the count of the transmitted segments (including the beginning (ST) and ending (SE) segments)

Segment
X12 EDI Release 00504
STTransaction Set Header
To indicate the start of a transaction set and to assign a control number
Elements
  • ST01143Transaction Set Identifier Code
    ID
    M必须(Mandatory)
    Min 3 / Max 3

    Code uniquely identifying a Transaction Set

    Codes (320)
  • ST02329Transaction Set Control Number
    AN
    M必须(Mandatory)
    Min 4 / Max 9

    Identifying control number that must be unique within the transaction set functional group assigned by the originator for a transaction set

  • ST031705Implementation Convention Preference
    AN
    O可选(Optional)
    Min 1 / Max 9

    Reference assigned to identify Implementation Convention

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