parse_decision 0.0.5

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Files changed (68) hide show
  1. checksums.yaml +7 -0
  2. data/.gitignore +17 -0
  3. data/.rspec +2 -0
  4. data/Gemfile +6 -0
  5. data/LICENSE +22 -0
  6. data/README.md +71 -0
  7. data/bin/parse_decision +126 -0
  8. data/lib/parse_decision/config.rb +90 -0
  9. data/lib/parse_decision/controller.rb +142 -0
  10. data/lib/parse_decision/parsedecisiontask.rb +31 -0
  11. data/lib/parse_decision/parser.rb +194 -0
  12. data/lib/parse_decision/pd_context.rb +148 -0
  13. data/lib/parse_decision/plugin/application.rb +48 -0
  14. data/lib/parse_decision/plugin/plugin.rb +56 -0
  15. data/lib/parse_decision/plugin/ppm_xpath.rb +70 -0
  16. data/lib/parse_decision/plugin/pre_decision_guideline.rb +177 -0
  17. data/lib/parse_decision/plugin/product.rb +176 -0
  18. data/lib/parse_decision/plugin/product_xpath.rb +52 -0
  19. data/lib/parse_decision/plugin/web_product.rb +179 -0
  20. data/lib/parse_decision/plugin.rb +50 -0
  21. data/lib/parse_decision/version.rb +5 -0
  22. data/lib/parse_decision.rb +59 -0
  23. data/parse_decision.gemspec +27 -0
  24. data/rakefile.rb +58 -0
  25. data/spec/context_spec.rb +21 -0
  26. data/spec/data/multiproduct.decision.txt +1481 -0
  27. data/spec/data/prod.decision.txt +3957 -0
  28. data/spec/data/reference/multiproduct/001-APP.xml +1 -0
  29. data/spec/data/reference/multiproduct/001-Mod-Forbear-PRODUCT.xml +357 -0
  30. data/spec/data/reference/multiproduct/001-Mod-Forgive-PRODUCT.xml +361 -0
  31. data/spec/data/reference/multiproduct/001-Mod-RateTerm-PRODUCT.xml +353 -0
  32. data/spec/data/reference/multiproduct/001-Mod-SAM-PRODUCT.xml +365 -0
  33. data/spec/data/reference/product/001-APP.xml +1 -0
  34. data/spec/data/reference/product/001-Validation-Rules.xml +536 -0
  35. data/spec/data/reference/product/002-APP.xml +1 -0
  36. data/spec/data/reference/product/002-FAPIILoanModification-PRODUCT.xml +1770 -0
  37. data/spec/data/reference/web/001-APP.xml +1 -0
  38. data/spec/data/reference/web/001-Product01-PRODUCT.xml +1088 -0
  39. data/spec/data/reference/web/002-APP.xml +1 -0
  40. data/spec/data/reference/web/002-Product01-PRODUCT.xml +15 -0
  41. data/spec/data/reference/workflow/001-APP.xml +1 -0
  42. data/spec/data/reference/workflow/001-WF-DataClearing-Pre-Rules.xml +37 -0
  43. data/spec/data/reference/workflow-2/001-APP.xml +1 -0
  44. data/spec/data/reference/workflow-2/001-WF-ProdSel-Post-Rules.xml +699 -0
  45. data/spec/data/test.rb +13 -0
  46. data/spec/data/validation.decision.txt +1199 -0
  47. data/spec/data/web.decision.txt +1128 -0
  48. data/spec/data/wf.decision.txt +43 -0
  49. data/spec/data/wf2.decision.txt +705 -0
  50. data/spec/parser_spec.rb +308 -0
  51. data/spec/plugin_app_spec.rb +40 -0
  52. data/spec/plugin_ppmxpath_spec.rb +74 -0
  53. data/spec/plugin_predecision_spec.rb +81 -0
  54. data/spec/plugin_product_spec.rb +117 -0
  55. data/spec/plugin_productxpath_spec.rb +76 -0
  56. data/spec/plugin_spec.rb +54 -0
  57. data/spec/spec_helper.rb +81 -0
  58. data/test/data/2.2.decision-multiple.txt +1391 -0
  59. data/test/data/2.2.decision.txt +1128 -0
  60. data/test/data/2.decision.txt +1481 -0
  61. data/test/plugins/test_plugin_predecisionguideline.rb +120 -0
  62. data/test/plugins/test_plugin_product.rb +120 -0
  63. data/test/test_config.rb +90 -0
  64. data/test/test_context.rb +103 -0
  65. data/test/test_parse_webdecision.rb +121 -0
  66. data/test/test_parser.rb +69 -0
  67. data/test/test_parser_parse.rb +110 -0
  68. metadata +225 -0
data/test/data/2.2.decision-multiple.txt ADDED
@@ -0,0 +1,1391 @@
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+ -------------Application XML-------------
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+
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+ <DECISION_REQUEST><APPLICATION ApplicationID="41265" OrganizationID="3" CreatedDate="04/20/2010" ModifiedDate="04/23/2010" Summary="Batch Upload Application" User="DGreene" SpouseIncludeFlag="N" SpouseQualFlag="N" JointFlag="N" UserID="6" UserName="Derick Greene" OrganizationName="Transaction Mgmt" ManualCredit="N" UserTypeId="" Source="Internal" ActName="Clayton" InBankruptcy="N" BackRatio="44.3000"><ORGANIZATION OrganizationID="3" APP_ORG_ID="3" UDFInt1="0" UDFInt2="0" UDFInt3="0" UDFInt4="0" UDFInt5="0" UDFStr1="" UDFStr2="" UDFStr3="" UDFStr4="" UDFStr5=""/><USER UserID="6" APP_USER_ID="6" IsSupervisor="1" UDFInt1="0" UDFInt2="0" UDFInt3="0" UDFInt4="0" UDFInt5="0" UDFStr1="" UDFStr2="" UDFStr3="" UDFStr4="" UDFStr5="" SubmittedUser="Derick Greene" SubmittedOrganization="Transaction Mgmt" SubmittedOrigin="Internal"/><APPLICATIONTEAM><APPLICATIONTEAM_USER FirstName="Derick" LastName="Greene" OrganizationName="Transaction Mgmt" OriginType="Internal" UserType="Originator" UserID="6" ATM_ID="38098"><APPLICATIONTEAM_USER_ORGANIZATION Address="" City="" Zip="" PhoneNumber="" ATM_USER_ID="6" OrganizationID="3"/></APPLICATIONTEAM_USER></APPLICATIONTEAM><APPLICANTS><APPLICANT BorrowerID="77260" IsPrimary="N" ForeignNationalIndicator="N" App1003ID="143" APA_1003_PRIMARY="0"><EMPLOYMENTS><EMPLOYMENT EmploymentID="153911" IsSelfEmployed="N" Type="Primary" EPM_ISRELATIVE_FLAG="0" Retired="0" W2="Y"/><EMPLOYMENT EmploymentID="155807" IsSelfEmployed="N" Type="Previous" EPM_ISRELATIVE_FLAG="0" Retired="0" W2="Y"/></EMPLOYMENTS></APPLICANT><APPLICANT BorrowerID="76260" IsPrimary="Y" Score="451" ForeignNationalIndicator="N" App1003ID="143" APA_1003_PRIMARY="1"><EMPLOYMENTS><EMPLOYMENT EmploymentID="152911" IsSelfEmployed="N" Type="Primary" EPM_ISRELATIVE_FLAG="0" Retired="0" W2="Y"/><EMPLOYMENT EmploymentID="154807" IsSelfEmployed="N" Type="Previous" EPM_ISRELATIVE_FLAG="0" Retired="0" W2="Y"/></EMPLOYMENTS><RESIDENCES><RESIDENCE ResidenceID="38372" IsPresent="Y" IsMailing="N"/></RESIDENCES></APPLICANT></APPLICANTS><ASSETS/><EXPENSES><EXPENSE ExpenseID="38112" IsCurrent="Y" Type="HomeownerAssociationDues" BorrowerID="76260" IsDiscretionary="N"><APPLICANTS><APPLICANT ApplicantIDREF="76260" IsPrimary="Y"/></APPLICANTS></EXPENSE></EXPENSES><PARAMETERS><PPM Name="Credit Drift" Value="-24"/><PPM Name="Current BK Chapter UDF" Value="Not Applicable"/><PPM Name="Currently Listed UDF" Value="No"/><PPM Name="In REO UDF" Value="No"/><PPM Name="Lien Number UDF" Value="1"/><PPM Name="LTV" Value="59.46"/><PPM Name="ManualCredit" Value="Y"/></PARAMETERS><LOANS><LOAN LoanID="38098" Rate="8.0000" LienNumber="1" ComboFlag="N" LienType="1st" HighOverDueActivities="0" MediumOverDueActivities="0" LowOverDueActivities="0" LoanStage="Unknown" CurrentStage="00-New Casefile" OriginalLoanAmount="44100.0000" SellerLoanNumber="10000030" OpenConditionCount="0" OpenConditionPriorToProcessingCount="0" OpenConditionPriorToSubmissionCount="0" OpenConditionPriorToQualificationCount="0" OpenConditionPriorToTrialPeriodCount="0" OpenConditionPriorToLoanModificationCount="0" OpenConditionPriorToOversightCount="0" IOIndicator="N" NoteDate="05/01/1998" PayArrearagesAtOnceWithLiqAssets="N" PayArrearagesInInstmntWithLiqAssets="N" FNMAHomeSaverNote="N" CurrentlyInLoanMod="N" PreviousModifiedUnderHMP="N" BorrowerAgreesEscrowSetup="N" Approval="N" PriorLoanMod="N"><DEFAULT AbilityToResumeCurrentMtgPmt="N"/><INVESTOR/><SERVICER/><LISTINGAGENT/><AFTERMOD/><OTHERLOAN IOIndicator="N"/><OVERRIDES/></LOAN></LOANS><COLLATERALS><COLLATERAL CollID="38166" Units="1" RealEstateType="SingleFamily" HomeOwnershipType="PrimaryResidence" LoanID="38098" NonWarrantableCondo="0" HomeOwnershipTypeID="1" HUDRepo="0" ModelHomeLeaseback="0" InheritedProperty="0" ValidAVM="N" ValidFlood="N" Occupied="N" Listed="N" Condition="Average" OccupancyStatus="BorrowerOccupied"><VALUATION AsIsValue="40000.0000"/><SHORTSALE/></COLLATERAL></COLLATERALS></APPLICATION></DECISION_REQUEST>
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+ </DECISION_REQUEST>
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+
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+
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+
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+ ----------------------------------
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+
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+ <Rules />
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+ <Decision GuidelineId="1" Rulecount="0" ExecutionTime="4/23/2010 9:35:55 AM" ExecutionResult="True">
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+ <Messages>
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+ <Message Type="Findings" RuleId="12158" RulesetId="6"><![CDATA[GSE Eligible Rank 1: Latest Representative Score of 451 is less than 660.]]></Message>
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+ <Message Type="Findings" RuleId="12220" RulesetId="2"><![CDATA[Jumbo Conforming Rank 2: Original Loan Amount of $44100 is less than $417000.]]></Message>
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+ <Message Type="Findings" RuleId="12229" RulesetId="2"><![CDATA[Jumbo Conforming Rank 2: Latest Representative Score of 451 is less than 699 required for Owner Occupied properties with LTV of 59.46%. ]]></Message>
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+ <Message Type="Findings" RuleId="12230" RulesetId="2"><![CDATA[Jumbo Conforming Rank 2: Latest Representative Score of 451 is less than 700 required for Owner Occupied properties with LTV of 59.46%. ]]></Message>
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+ <Message Type="Findings" RuleId="12242" RulesetId="9"><![CDATA[Hope for Homeowners Rank 4: Origination Date should be on or after 1/01/2008.]]></Message>
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+ <Message Type="Findings" RuleId="12258" RulesetId="12"><![CDATA[Perf Low LTV Rank 6: Latest Representative Score of 451 is less than 550.]]></Message>
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+ <Message Type="Findings" RuleId="12183" RulesetId="11"><![CDATA[Perf Low LTV/High Risk Rank 7: Credit Drift is better than -75.]]></Message>
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+ <Message Type="Findings" RuleId="12097" RulesetId="14"><![CDATA[Perf High LTV Rank 8: LTV of 59.46% is less than or equal to 100%.]]></Message>
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+ <Message Type="Findings" RuleId="12098" RulesetId="14"><![CDATA[Perf High LTV Rank 8: Latest Representative Score of 451 is less than 550.]]></Message>
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+ <Message Type="Findings" RuleId="12090" RulesetId="13"><![CDATA[Perf High LTV/High Risk Rank 9: LTV of 59.46% is less than or equal to 100%.]]></Message>
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+ <Message Type="Findings" RuleId="12096" RulesetId="13"><![CDATA[Perf Low LTV/High Risk Rank 7: Credit Drift is better than -75.]]></Message>
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+ <Message Type="Findings" RuleId="12211" RulesetId="17"><![CDATA[Repayment Rank 12: Current Interest Rate is greater than 7%.]]></Message>
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+ <Message Type="Findings" RuleId="12188" RulesetId="19"><![CDATA[Deed In Lieu Rank 13: LTV of 59.46% is less than 130%]]></Message>
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+ <Message Type="Findings" RuleId="12119" RulesetId="16"><![CDATA[Short Sale Rank 14: Property not listed for sale.]]></Message>
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+ <Message Type="Findings" RuleId="12264" RulesetId="21"><![CDATA[Recommended Charge Off Rank 16: Loan Currently in Bankruptcy. (Current Chapter)]]></Message>
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+ <Message Type="Findings" RuleId="12267" RulesetId="21"><![CDATA[Recommended Charge Off Rank 16: Value Selected by System is greater than $25000.]]></Message>
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+ <Message Type="Findings" RuleId="12106" RulesetId="27"><![CDATA[Missing Data: Current Unpaid Balance.]]></Message>
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+ <Message Type="Findings" RuleId="12115" RulesetId="27"><![CDATA[Missing Data: Current BK Chapter.]]></Message>
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+ <Message Type="Findings" RuleId="12125" RulesetId="22"><![CDATA[Highest Ranked: FHA-FHA Refinance]]></Message>
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+ </Messages>
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+ <DerivedParameters>
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+ <DPM Name="Repayment Rank 12" Type="DSM" Order="0" ProductType="6">Insufficient Data</DPM>
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+ <DPM Name="Highest Ranked Program Loan Qualified For" Type="DSM" Order="0" ProductType="6">FHA-FHA Refinance</DPM>
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+ <DPM Name="Original Loan Amount" Type="DSM" Order="0" ProductType="4">44100</DPM>
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+ <DPM Name="Perf Low LTV / High Risk Rank 7" Type="DSM" Order="0" ProductType="6">Did not qualify</DPM>
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+ <DPM Name="Foreclosure REO Rank 15" Type="DSM" Order="0" ProductType="6">Insufficient Data</DPM>
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+ <DPM Name="Recommended Charge Off Rank 16" Type="DSM" Order="0" ProductType="6">Did not qualify</DPM>
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+ <DPM Name="Perf High LTV / High Risk Rank 9" Type="DSM" Order="0" ProductType="6">Did not qualify</DPM>
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+ <DPM Name="Modification Rank 10" Type="DSM" Order="0" ProductType="6">Insufficient Data</DPM>
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+ <DPM Name="Deed In Lieu Rank 13" Type="DSM" Order="0" ProductType="6">Insufficient Data</DPM>
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+ <DPM Name="Lien Number Tmp" Type="DSM" Order="0" ProductType="4">1</DPM>
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+ <DPM Name="Current BK Chapter Tmp" Type="DSM" Order="0" ProductType="6">BADDATA</DPM>
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+ <DPM Name="Perf Low LTV Rank 6" Type="DSM" Order="0" ProductType="6">Did not qualify</DPM>
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+ <DPM Name="Current UPB" Type="DSM" Order="0" ProductType="4" />
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+ <DPM Name="HAMP Prequal Rank 5" Type="DSM" Order="0" ProductType="6">Insufficient Data</DPM>
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+ <DPM Name="Perf High LTV Rank 8" Type="DSM" Order="0" ProductType="6">Did not qualify</DPM>
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+ <DPM Name="Decision" Type="DSM" Order="0" ProductType="6">Pass</DPM>
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+ <DPM Name="Jumbo Conforming Rank 2" Type="DSM" Order="0" ProductType="6">Did not qualify</DPM>
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+ <DPM Name="FHA-FHA Refinance Rank 3" Type="DSM" Order="0" ProductType="6">Qualifies</DPM>
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+ <DPM Name="Currently Listed Tmp" Type="DSM" Order="0" ProductType="6">N</DPM>
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+ <DPM Name="Short Sale Rank 14" Type="DSM" Order="0" ProductType="6">Did not qualify</DPM>
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+ <DPM Name="Forbearance Rank 11" Type="DSM" Order="0" ProductType="6">Insufficient Data</DPM>
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+ <DPM Name="Hope for Homeowners Rank 4" Type="DSM" Order="0" ProductType="6">Did not qualify</DPM>
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+ <DPM Name="GSE Eligible Rank 1" Type="DSM" Order="0" ProductType="6">Did not qualify</DPM>
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+ <DPM Name="DTI Front End" Type="DPM" Order="0" ProductType="4" />
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+ <DPM Name="Credit Drift" Type="DPM" Order="0" ProductType="4">-24</DPM>
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+ <DPM Name="Property State Abbrev" Type="DPM" Order="0" ProductType="6">All</DPM>
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+ <DPM Name="Latest Representative Score" Type="DPM" Order="0" ProductType="4">451</DPM>
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+ <DPM Name="No of Units" Type="DPM" Order="0" ProductType="4">1</DPM>
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+ <DPM Name="LTV" Type="DPM" Order="0" ProductType="4">59.46</DPM>
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+ <DPM Name="Current REO Flag" Type="DPM" Order="0" ProductType="6">No</DPM>
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+ <DPM Name="Value Selected By System" Type="DPM" Order="0" ProductType="4">40000</DPM>
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+ <DPM Name="DTI Back End" Type="DPM" Order="0" ProductType="4">44.3</DPM>
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+ <DPM Name="Mortgage Owner" Type="DPM" Order="0" ProductType="6" />
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+ <DPM Name="Bankruptcy Status" Type="DPM" Order="0" ProductType="6" />
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+ <DPM Name="Current BK Chapter" Type="DPM" Order="0" ProductType="6">Not Applicable</DPM>
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+ <DPM Name="Property Type" Type="DPM" Order="0" ProductType="6">SingleFamily</DPM>
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+ <DPM Name="Note Date" Type="DPM" Order="0" ProductType="2">5/1/1998</DPM>
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+ </DerivedParameters>
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+ </Decision>
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+
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+
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+ ******************************CalculateAppParam: Application InputXML*****************
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+
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+
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+ <DECISION_REQUEST><APPLICATION ApplicationID="41270" OrganizationID="3" CreatedDate="04/20/2010" ModifiedDate="04/23/2010" Summary="Batch Upload Application" User="DGreene" SpouseIncludeFlag="N" SpouseQualFlag="N" JointFlag="N" UserID="6" UserName="Derick Greene" OrganizationName="Transaction Mgmt" ManualCredit="N" UserTypeId="" Source="Internal" ActName="Clayton" InBankruptcy="N" BackRatio="0.0000"><ORGANIZATION OrganizationID="3" APP_ORG_ID="3" UDFInt1="0" UDFInt2="0" UDFInt3="0" UDFInt4="0" UDFInt5="0" UDFStr1="" UDFStr2="" UDFStr3="" UDFStr4="" UDFStr5=""/><USER UserID="6" APP_USER_ID="6" IsSupervisor="1" UDFInt1="0" UDFInt2="0" UDFInt3="0" UDFInt4="0" UDFInt5="0" UDFStr1="" UDFStr2="" UDFStr3="" UDFStr4="" UDFStr5="" SubmittedUser="Derick Greene" SubmittedOrganization="Transaction Mgmt" SubmittedOrigin="Internal"/><APPLICATIONTEAM><APPLICATIONTEAM_USER FirstName="Derick" LastName="Greene" OrganizationName="Transaction Mgmt" OriginType="Internal" UserType="Originator" UserID="6" ATM_ID="38103"><APPLICATIONTEAM_USER_ORGANIZATION Address="" City="" Zip="" PhoneNumber="" ATM_USER_ID="6" OrganizationID="3"/></APPLICATIONTEAM_USER></APPLICATIONTEAM><APPLICANTS><APPLICANT BorrowerID="77265" IsPrimary="N" ForeignNationalIndicator="N" App1003ID="143" APA_1003_PRIMARY="0"><EMPLOYMENTS><EMPLOYMENT EmploymentID="153734" IsSelfEmployed="N" Type="Primary" EPM_ISRELATIVE_FLAG="0" Retired="0" W2="Y"/><EMPLOYMENT EmploymentID="155734" IsSelfEmployed="N" Type="Previous" EPM_ISRELATIVE_FLAG="0" Retired="0" W2="Y"/></EMPLOYMENTS></APPLICANT><APPLICANT BorrowerID="76265" IsPrimary="Y" Score="603" ForeignNationalIndicator="N" App1003ID="143" APA_1003_PRIMARY="1"><EMPLOYMENTS><EMPLOYMENT EmploymentID="152734" IsSelfEmployed="N" Type="Primary" EPM_ISRELATIVE_FLAG="0" Retired="0" W2="Y"/><EMPLOYMENT EmploymentID="154734" IsSelfEmployed="N" Type="Previous" EPM_ISRELATIVE_FLAG="0" Retired="0" W2="Y"/></EMPLOYMENTS><RESIDENCES><RESIDENCE ResidenceID="38211" IsPresent="Y" IsMailing="N"/></RESIDENCES></APPLICANT></APPLICANTS><ASSETS/><EXPENSES><EXPENSE ExpenseID="38117" IsCurrent="Y" Type="HomeownerAssociationDues" BorrowerID="76265" IsDiscretionary="N"><APPLICANTS><APPLICANT ApplicantIDREF="76265" IsPrimary="Y"/></APPLICANTS></EXPENSE></EXPENSES><PARAMETERS><PPM Name="Credit Drift" Value="74"/><PPM Name="Current BK Chapter UDF" Value="Not Applicable"/><PPM Name="Currently Listed UDF" Value="No"/><PPM Name="In REO UDF" Value="No"/><PPM Name="Lien Number UDF" Value="1"/><PPM Name="LTV" Value="24.83"/><PPM Name="ManualCredit" Value="Y"/></PARAMETERS><LOANS><LOAN LoanID="38103" Rate="8.7500" LienNumber="1" ComboFlag="N" LienType="1st" HighOverDueActivities="0" MediumOverDueActivities="0" LowOverDueActivities="0" LoanStage="Unknown" CurrentStage="00-New Casefile" OriginalLoanAmount="33850.0000" SellerLoanNumber="10000035" OpenConditionCount="0" OpenConditionPriorToProcessingCount="0" OpenConditionPriorToSubmissionCount="0" OpenConditionPriorToQualificationCount="0" OpenConditionPriorToTrialPeriodCount="0" OpenConditionPriorToLoanModificationCount="0" OpenConditionPriorToOversightCount="0" IOIndicator="N" NoteDate="03/01/1996" PayArrearagesAtOnceWithLiqAssets="N" PayArrearagesInInstmntWithLiqAssets="N" FNMAHomeSaverNote="N" CurrentlyInLoanMod="N" PreviousModifiedUnderHMP="N" BorrowerAgreesEscrowSetup="N" Approval="N" PriorLoanMod="N"><DEFAULT AbilityToResumeCurrentMtgPmt="N"/><INVESTOR/><SERVICER/><LISTINGAGENT/><AFTERMOD/><OTHERLOAN IOIndicator="N"/><OVERRIDES/></LOAN></LOANS><COLLATERALS><COLLATERAL CollID="38171" HomeOwnershipType="PrimaryResidence" LoanID="38103" NonWarrantableCondo="0" HomeOwnershipTypeID="1" HUDRepo="0" ModelHomeLeaseback="0" InheritedProperty="0" ValidAVM="N" ValidFlood="N" Occupied="N" Listed="N" Condition="New" OccupancyStatus="BorrowerOccupied"><VALUATION AsIsValue="135000.0000"/><SHORTSALE/></COLLATERAL></COLLATERALS></APPLICATION></DECISION_REQUEST>
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+
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+
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+ ****Product XML
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+
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+ <PRODUCTS><PRODUCT ProductID="1" Name="TM Stratification" Program="TM Stratification" ProgramDisplayName="TM Stratification" ProgramID="1" Rate="0.0000" MortgageTypeID="1" Duration="0" IsAssumable="0" IsBiWeekly="0" IsPrepayPenalty="0" IsChallenger="0" MaxLTV="200" MaxCLTV="200" MaxLoanAmount="99999999.0000" FirstRateAdjustmentCap="0" RateAdjustmentCap="0" RateLifetimeCap="0" RateMargin="0" RateIndex="0" RateFloor="0" PaymentAdjustment="0" PaymentAdjustmentCap="0" AmortizationType="Fixed" ProductType="Mortgage" MortgageType="ConventionalwithPMI" POSGuidelineId="1" GuidelineName="TM-Stratification Program Guideline" UWGuidelineID="1" UWGuidelineName="TM-Stratification Program Guideline" POSGuidelineName="TM-Stratification Program Guideline" AUSSource="CQDS" /></PRODUCTS>
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+
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+
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+ PRIMARY PARAMETER VALUES
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+ ******************************PRODUCT PARAMETERS *************************
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+
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+ <PARAMS><_DATA_SET _Name='BORROWER CURRENT FICO' _Value='603'/><_DATA_SET _Name='FORECLOSURE STATUS' _Value=''/><_DATA_SET _Name='PROGRAM NAME' _Value='TM Stratification'/><_DATA_SET _Name='IN REO UDF' _Value='No'/><_DATA_SET _Name='LOAN AMOUNT' _Value=''/><_DATA_SET _Name='LIEN NUMBER UDF' _Value='1'/><_DATA_SET _Name='MORTGAGE OWNER' _Value=''/><_DATA_SET _Name='PROPERTY CONDITION' _Value='New'/><_DATA_SET _Name='LTV' _Value='24.83'/><_DATA_SET _Name='PROPERTY TYPE' _Value=''/><_DATA_SET _Name='NO. OF UNITS' _Value=''/><_DATA_SET _Name='STATE OF THE SUBJECT PROPERTY' _Value=''/><_DATA_SET _Name='FRONT RATIO' _Value=''/><_DATA_SET _Name='NOTE DATE' _Value='3/1/1996 12:00:00 AM'/><_DATA_SET _Name='CREDIT DRIFT' _Value='74'/><_DATA_SET _Name='ORIGINAL LOAN AMOUNT' _Value='33850'/><_DATA_SET _Name='PROPERTY VALUATION AS IS' _Value='135000'/><_DATA_SET _Name='BANKRUPTCY STATUS' _Value=''/><_DATA_SET _Name='OCCUPANCY' _Value='PrimaryResidence'/><_DATA_SET _Name='PROPERTY OCCUPANCY STATUS' _Value='BorrowerOccupied'/><_DATA_SET _Name='CURRENT BK CHAPTER UDF' _Value='Not Applicable'/><_DATA_SET _Name='LOAN TERM' _Value='0'/><_DATA_SET _Name='BACK RATIO' _Value='0'/><_DATA_SET _Name='IR' _Value='8.75'/><_DATA_SET _Name='CURRENTLY LISTED UDF' _Value='No'/></PARAMS>
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+ ******************************Decisioned at 4/23/2010 9:35:56 AM***************
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+
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+ ****************************** Primary Parameters *****************************
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+
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+
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+
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+ ******************************Guideline*******************************************
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+
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+ <Guideline Id=1 Name= Version=0/>
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+
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+ <Rules />
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+ <Decision GuidelineId="1" Rulecount="0" ExecutionTime="4/23/2010 9:35:56 AM" ExecutionResult="True">
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+ <Messages>
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+ <Message Type="Findings" RuleId="12158" RulesetId="6"><![CDATA[GSE Eligible Rank 1: Latest Representative Score of 603 is less than 660.]]></Message>
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+ <Message Type="Findings" RuleId="12220" RulesetId="2"><![CDATA[Jumbo Conforming Rank 2: Original Loan Amount of $33850 is less than $417000.]]></Message>
105
+ <Message Type="Findings" RuleId="12229" RulesetId="2"><![CDATA[Jumbo Conforming Rank 2: Latest Representative Score of 603 is less than 699 required for Owner Occupied properties with LTV of 24.83%. ]]></Message>
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+ <Message Type="Findings" RuleId="12230" RulesetId="2"><![CDATA[Jumbo Conforming Rank 2: Latest Representative Score of 603 is less than 700 required for Owner Occupied properties with LTV of 24.83%. ]]></Message>
107
+ <Message Type="Findings" RuleId="12242" RulesetId="9"><![CDATA[Hope for Homeowners Rank 4: Origination Date should be on or after 1/01/2008.]]></Message>
108
+ <Message Type="Findings" RuleId="12178" RulesetId="11"><![CDATA[Perf Low LTV/High Risk Rank 7: Latest Representative Score of 603 is >= than 500.]]></Message>
109
+ <Message Type="Findings" RuleId="12183" RulesetId="11"><![CDATA[Perf Low LTV/High Risk Rank 7: Credit Drift is better than -75.]]></Message>
110
+ <Message Type="Findings" RuleId="12097" RulesetId="14"><![CDATA[Perf High LTV Rank 8: LTV of 24.83% is less than or equal to 100%.]]></Message>
111
+ <Message Type="Findings" RuleId="12090" RulesetId="13"><![CDATA[Perf High LTV/High Risk Rank 9: LTV of 24.83% is less than or equal to 100%.]]></Message>
112
+ <Message Type="Findings" RuleId="12091" RulesetId="13"><![CDATA[Perf High LTV/High Risk Rank 9: Latest Representative Score of 603 is >= than 500.]]></Message>
113
+ <Message Type="Findings" RuleId="12096" RulesetId="13"><![CDATA[Perf Low LTV/High Risk Rank 7: Credit Drift is better than -75.]]></Message>
114
+ <Message Type="Findings" RuleId="12211" RulesetId="17"><![CDATA[Repayment Rank 12: Current Interest Rate is greater than 7%.]]></Message>
115
+ <Message Type="Findings" RuleId="12188" RulesetId="19"><![CDATA[Deed In Lieu Rank 13: LTV of 24.83% is less than 130%]]></Message>
116
+ <Message Type="Findings" RuleId="12119" RulesetId="16"><![CDATA[Short Sale Rank 14: Property not listed for sale.]]></Message>
117
+ <Message Type="Findings" RuleId="12264" RulesetId="21"><![CDATA[Recommended Charge Off Rank 16: Loan Currently in Bankruptcy. (Current Chapter)]]></Message>
118
+ <Message Type="Findings" RuleId="12267" RulesetId="21"><![CDATA[Recommended Charge Off Rank 16: Value Selected by System is greater than $25000.]]></Message>
119
+ <Message Type="Findings" RuleId="12106" RulesetId="27"><![CDATA[Missing Data: Current Unpaid Balance.]]></Message>
120
+ <Message Type="Findings" RuleId="12115" RulesetId="27"><![CDATA[Missing Data: Current BK Chapter.]]></Message>
121
+ <Message Type="Findings" RuleId="12116" RulesetId="27"><![CDATA[Missing Data: Property Type.]]></Message>
122
+ <Message Type="Findings" RuleId="12117" RulesetId="27"><![CDATA[Missing Data: Number of Units.]]></Message>
123
+ <Message Type="Findings" RuleId="12125" RulesetId="22"><![CDATA[Highest Ranked: FHA-FHA Refinance]]></Message>
124
+ </Messages>
125
+ <DerivedParameters>
126
+ <DPM Name="Repayment Rank 12" Type="DSM" Order="0" ProductType="6">Insufficient Data</DPM>
127
+ <DPM Name="Highest Ranked Program Loan Qualified For" Type="DSM" Order="0" ProductType="6">FHA-FHA Refinance</DPM>
128
+ <DPM Name="Original Loan Amount" Type="DSM" Order="0" ProductType="4">33850</DPM>
129
+ <DPM Name="Perf Low LTV / High Risk Rank 7" Type="DSM" Order="0" ProductType="6">Did not qualify</DPM>
130
+ <DPM Name="Foreclosure REO Rank 15" Type="DSM" Order="0" ProductType="6">Insufficient Data</DPM>
131
+ <DPM Name="Recommended Charge Off Rank 16" Type="DSM" Order="0" ProductType="6">Did not qualify</DPM>
132
+ <DPM Name="Perf High LTV / High Risk Rank 9" Type="DSM" Order="0" ProductType="6">Did not qualify</DPM>
133
+ <DPM Name="Modification Rank 10" Type="DSM" Order="0" ProductType="6">Insufficient Data</DPM>
134
+ <DPM Name="Deed In Lieu Rank 13" Type="DSM" Order="0" ProductType="6">Insufficient Data</DPM>
135
+ <DPM Name="Lien Number Tmp" Type="DSM" Order="0" ProductType="4">1</DPM>
136
+ <DPM Name="Current BK Chapter Tmp" Type="DSM" Order="0" ProductType="6">BADDATA</DPM>
137
+ <DPM Name="Perf Low LTV Rank 6" Type="DSM" Order="0" ProductType="6">Qualifies</DPM>
138
+ <DPM Name="Current UPB" Type="DSM" Order="0" ProductType="4" />
139
+ <DPM Name="HAMP Prequal Rank 5" Type="DSM" Order="0" ProductType="6">Insufficient Data</DPM>
140
+ <DPM Name="Perf High LTV Rank 8" Type="DSM" Order="0" ProductType="6">Did not qualify</DPM>
141
+ <DPM Name="Decision" Type="DSM" Order="0" ProductType="6">Pass</DPM>
142
+ <DPM Name="Jumbo Conforming Rank 2" Type="DSM" Order="0" ProductType="6">Insufficient Data</DPM>
143
+ <DPM Name="FHA-FHA Refinance Rank 3" Type="DSM" Order="0" ProductType="6">Qualifies</DPM>
144
+ <DPM Name="Currently Listed Tmp" Type="DSM" Order="0" ProductType="6">N</DPM>
145
+ <DPM Name="Short Sale Rank 14" Type="DSM" Order="0" ProductType="6">Did not qualify</DPM>
146
+ <DPM Name="Forbearance Rank 11" Type="DSM" Order="0" ProductType="6">Insufficient Data</DPM>
147
+ <DPM Name="Hope for Homeowners Rank 4" Type="DSM" Order="0" ProductType="6">Insufficient Data</DPM>
148
+ <DPM Name="GSE Eligible Rank 1" Type="DSM" Order="0" ProductType="6">Insufficient Data</DPM>
149
+ <DPM Name="DTI Front End" Type="DPM" Order="0" ProductType="4" />
150
+ <DPM Name="Credit Drift" Type="DPM" Order="0" ProductType="4">74</DPM>
151
+ <DPM Name="Property State Abbrev" Type="DPM" Order="0" ProductType="6">All</DPM>
152
+ <DPM Name="Latest Representative Score" Type="DPM" Order="0" ProductType="4">603</DPM>
153
+ <DPM Name="No of Units" Type="DPM" Order="0" ProductType="4" />
154
+ <DPM Name="LTV" Type="DPM" Order="0" ProductType="4">24.83</DPM>
155
+ <DPM Name="Current REO Flag" Type="DPM" Order="0" ProductType="6">No</DPM>
156
+ <DPM Name="Value Selected By System" Type="DPM" Order="0" ProductType="4">135000</DPM>
157
+ <DPM Name="DTI Back End" Type="DPM" Order="0" ProductType="4">0</DPM>
158
+ <DPM Name="Mortgage Owner" Type="DPM" Order="0" ProductType="6" />
159
+ <DPM Name="Bankruptcy Status" Type="DPM" Order="0" ProductType="6" />
160
+ <DPM Name="Current BK Chapter" Type="DPM" Order="0" ProductType="6">Not Applicable</DPM>
161
+ <DPM Name="Property Type" Type="DPM" Order="0" ProductType="6" />
162
+ <DPM Name="Note Date" Type="DPM" Order="0" ProductType="2">3/1/1996</DPM>
163
+ </DerivedParameters>
164
+ </Decision>
165
+
166
+
167
+ ******************************CalculateAppParam: Application InputXML*****************
168
+
169
+
170
+ <DECISION_REQUEST><APPLICATION ApplicationID="41271" OrganizationID="3" CreatedDate="04/20/2010" ModifiedDate="04/23/2010" Summary="Batch Upload Application" User="DGreene" SpouseIncludeFlag="N" SpouseQualFlag="N" JointFlag="N" UserID="6" UserName="Derick Greene" OrganizationName="Transaction Mgmt" ManualCredit="N" UserTypeId="" Source="Internal" ActName="Clayton" InBankruptcy="N" BackRatio="0.0000" BankruptcyStatus="Discharged"><ORGANIZATION OrganizationID="3" APP_ORG_ID="3" UDFInt1="0" UDFInt2="0" UDFInt3="0" UDFInt4="0" UDFInt5="0" UDFStr1="" UDFStr2="" UDFStr3="" UDFStr4="" UDFStr5=""/><USER UserID="6" APP_USER_ID="6" IsSupervisor="1" UDFInt1="0" UDFInt2="0" UDFInt3="0" UDFInt4="0" UDFInt5="0" UDFStr1="" UDFStr2="" UDFStr3="" UDFStr4="" UDFStr5="" SubmittedUser="Derick Greene" SubmittedOrganization="Transaction Mgmt" SubmittedOrigin="Internal"/><APPLICATIONTEAM><APPLICATIONTEAM_USER FirstName="Derick" LastName="Greene" OrganizationName="Transaction Mgmt" OriginType="Internal" UserType="Originator" UserID="6" ATM_ID="38104"><APPLICATIONTEAM_USER_ORGANIZATION Address="" City="" Zip="" PhoneNumber="" ATM_USER_ID="6" OrganizationID="3"/></APPLICATIONTEAM_USER></APPLICATIONTEAM><APPLICANTS><APPLICANT BorrowerID="76266" IsPrimary="Y" Score="581" ForeignNationalIndicator="N" App1003ID="143" APA_1003_PRIMARY="1"><EMPLOYMENTS><EMPLOYMENT EmploymentID="152735" IsSelfEmployed="N" Type="Primary" EPM_ISRELATIVE_FLAG="0" Retired="0" W2="Y"/><EMPLOYMENT EmploymentID="154735" IsSelfEmployed="N" Type="Previous" EPM_ISRELATIVE_FLAG="0" Retired="0" W2="Y"/></EMPLOYMENTS><RESIDENCES><RESIDENCE ResidenceID="38212" IsPresent="Y" IsMailing="N"/></RESIDENCES></APPLICANT><APPLICANT BorrowerID="77266" IsPrimary="N" ForeignNationalIndicator="N" App1003ID="143" APA_1003_PRIMARY="0"><EMPLOYMENTS><EMPLOYMENT EmploymentID="153735" IsSelfEmployed="N" Type="Primary" EPM_ISRELATIVE_FLAG="0" Retired="0" W2="Y"/><EMPLOYMENT EmploymentID="155735" IsSelfEmployed="N" Type="Previous" EPM_ISRELATIVE_FLAG="0" Retired="0" W2="Y"/></EMPLOYMENTS></APPLICANT></APPLICANTS><ASSETS/><EXPENSES><EXPENSE ExpenseID="38118" IsCurrent="Y" Type="HomeownerAssociationDues" BorrowerID="76266" IsDiscretionary="N"><APPLICANTS><APPLICANT ApplicantIDREF="76266" IsPrimary="Y"/></APPLICANTS></EXPENSE></EXPENSES><PARAMETERS><PPM Name="Credit Drift" Value="14"/><PPM Name="Current BK Chapter UDF" Value="Not Applicable"/><PPM Name="Currently Listed UDF" Value="No"/><PPM Name="In REO UDF" Value="No"/><PPM Name="Lien Number UDF" Value="1"/><PPM Name="LTV" Value="185.77"/><PPM Name="ManualCredit" Value="Y"/></PARAMETERS><LOANS><LOAN LoanID="38104" Rate="7.0000" LienNumber="1" ComboFlag="N" LienType="1st" HighOverDueActivities="0" MediumOverDueActivities="0" LowOverDueActivities="0" LoanStage="Unknown" CurrentStage="00-New Casefile" OriginalLoanAmount="27143.0000" SellerLoanNumber="10000036" OpenConditionCount="0" OpenConditionPriorToProcessingCount="0" OpenConditionPriorToSubmissionCount="0" OpenConditionPriorToQualificationCount="0" OpenConditionPriorToTrialPeriodCount="0" OpenConditionPriorToLoanModificationCount="0" OpenConditionPriorToOversightCount="0" IOIndicator="N" NoteDate="09/01/2007" PayArrearagesAtOnceWithLiqAssets="N" PayArrearagesInInstmntWithLiqAssets="N" FNMAHomeSaverNote="N" CurrentlyInLoanMod="N" PreviousModifiedUnderHMP="N" BorrowerAgreesEscrowSetup="N" Approval="N" PriorLoanMod="N"><DEFAULT AbilityToResumeCurrentMtgPmt="N"/><INVESTOR/><SERVICER/><LISTINGAGENT/><AFTERMOD/><OTHERLOAN IOIndicator="N"/><OVERRIDES/></LOAN></LOANS><COLLATERALS><COLLATERAL CollID="38172" HomeOwnershipType="PrimaryResidence" LoanID="38104" NonWarrantableCondo="0" HomeOwnershipTypeID="1" HUDRepo="0" ModelHomeLeaseback="0" InheritedProperty="0" ValidAVM="N" ValidFlood="N" Occupied="N" Listed="N" Condition="Fair" OccupancyStatus="BorrowerOccupied"><VALUATION AsIsValue="25000.0000"/><SHORTSALE/></COLLATERAL></COLLATERALS></APPLICATION></DECISION_REQUEST>
171
+
172
+
173
+ ****Product XML
174
+
175
+ <PRODUCTS><PRODUCT ProductID="1" Name="TM Stratification" Program="TM Stratification" ProgramDisplayName="TM Stratification" ProgramID="1" Rate="0.0000" MortgageTypeID="1" Duration="0" IsAssumable="0" IsBiWeekly="0" IsPrepayPenalty="0" IsChallenger="0" MaxLTV="200" MaxCLTV="200" MaxLoanAmount="99999999.0000" FirstRateAdjustmentCap="0" RateAdjustmentCap="0" RateLifetimeCap="0" RateMargin="0" RateIndex="0" RateFloor="0" PaymentAdjustment="0" PaymentAdjustmentCap="0" AmortizationType="Fixed" ProductType="Mortgage" MortgageType="ConventionalwithPMI" POSGuidelineId="1" GuidelineName="TM-Stratification Program Guideline" UWGuidelineID="1" UWGuidelineName="TM-Stratification Program Guideline" POSGuidelineName="TM-Stratification Program Guideline" AUSSource="CQDS" /></PRODUCTS>
176
+
177
+
178
+ PRIMARY PARAMETER VALUES
179
+ ******************************PRODUCT PARAMETERS *************************
180
+
181
+ <PARAMS><_DATA_SET _Name='BORROWER CURRENT FICO' _Value='581'/><_DATA_SET _Name='FORECLOSURE STATUS' _Value=''/><_DATA_SET _Name='PROGRAM NAME' _Value='TM Stratification'/><_DATA_SET _Name='IN REO UDF' _Value='No'/><_DATA_SET _Name='LOAN AMOUNT' _Value=''/><_DATA_SET _Name='LIEN NUMBER UDF' _Value='1'/><_DATA_SET _Name='MORTGAGE OWNER' _Value=''/><_DATA_SET _Name='PROPERTY CONDITION' _Value='Fair'/><_DATA_SET _Name='LTV' _Value='185.77'/><_DATA_SET _Name='PROPERTY TYPE' _Value=''/><_DATA_SET _Name='NO. OF UNITS' _Value=''/><_DATA_SET _Name='STATE OF THE SUBJECT PROPERTY' _Value=''/><_DATA_SET _Name='FRONT RATIO' _Value=''/><_DATA_SET _Name='NOTE DATE' _Value='9/1/2007 12:00:00 AM'/><_DATA_SET _Name='CREDIT DRIFT' _Value='14'/><_DATA_SET _Name='ORIGINAL LOAN AMOUNT' _Value='27143'/><_DATA_SET _Name='PROPERTY VALUATION AS IS' _Value='25000'/><_DATA_SET _Name='BANKRUPTCY STATUS' _Value='Discharged'/><_DATA_SET _Name='OCCUPANCY' _Value='PrimaryResidence'/><_DATA_SET _Name='PROPERTY OCCUPANCY STATUS' _Value='BorrowerOccupied'/><_DATA_SET _Name='CURRENT BK CHAPTER UDF' _Value='Not Applicable'/><_DATA_SET _Name='LOAN TERM' _Value='0'/><_DATA_SET _Name='BACK RATIO' _Value='0'/><_DATA_SET _Name='IR' _Value='7'/><_DATA_SET _Name='CURRENTLY LISTED UDF' _Value='No'/></PARAMS>
182
+ ******************************Decisioned at 4/23/2010 9:35:57 AM***************
183
+
184
+ ****************************** Primary Parameters *****************************
185
+
186
+
187
+
188
+ ******************************Guideline*******************************************
189
+
190
+ <Guideline Id=1 Name= Version=0/>
191
+
192
+ <Rules />
193
+ <Decision GuidelineId="1" Rulecount="0" ExecutionTime="4/23/2010 9:35:57 AM" ExecutionResult="True">
194
+ <Messages>
195
+ <Message Type="Findings" RuleId="12154" RulesetId="6"><![CDATA[GSE Eligible Rank 1: LTV of 185.77% is greater than 80%.]]></Message>
196
+ <Message Type="Findings" RuleId="12158" RulesetId="6"><![CDATA[GSE Eligible Rank 1: Latest Representative Score of 581 is less than 660.]]></Message>
197
+ <Message Type="Findings" RuleId="12161" RulesetId="6"><![CDATA[GSE Eligible Rank 1: Bankruptcy Status is Discharged.]]></Message>
198
+ <Message Type="Findings" RuleId="12219" RulesetId="2"><![CDATA[Jumbo Conforming Rank 2: LTV of 185.77% is greater than 90% for Owner Occupied Properties.]]></Message>
199
+ <Message Type="Findings" RuleId="12220" RulesetId="2"><![CDATA[Jumbo Conforming Rank 2: Original Loan Amount of $27143 is less than $417000.]]></Message>
200
+ <Message Type="Findings" RuleId="12234" RulesetId="2"><![CDATA[Jumbo Conforming Rank 2: Bankruptcy Status is Discharged.]]></Message>
201
+ <Message Type="Findings" RuleId="12085" RulesetId="3"><![CDATA[FHA to FHA Program Rank 3: LTV of 185.77% is greater than 97%.]]></Message>
202
+ <Message Type="Findings" RuleId="12087" RulesetId="3"><![CDATA[FHA to FHA Program Rank 3: Bankruptcy Status is Discharged.]]></Message>
203
+ <Message Type="Findings" RuleId="12237" RulesetId="9"><![CDATA[Hope for Homeowners Rank 4: LTV of 185.77% is greater than 96.5%.]]></Message>
204
+ <Message Type="Findings" RuleId="12242" RulesetId="9"><![CDATA[Hope for Homeowners Rank 4: Origination Date should be on or after 1/01/2008.]]></Message>
205
+ <Message Type="Findings" RuleId="12244" RulesetId="9"><![CDATA[Hope for Homeowners Rank 4: Bankruptcy Status is Discharged.]]></Message>
206
+ <Message Type="Findings" RuleId="12171" RulesetId="10"><![CDATA[HAMP Prequal Rank 5: Bankruptcy Status is Discharged.]]></Message>
207
+ <Message Type="Findings" RuleId="12257" RulesetId="12"><![CDATA[Perf Low LTV Rank 6: LTV of 185.77% is greater than 100%.]]></Message>
208
+ <Message Type="Findings" RuleId="12260" RulesetId="12"><![CDATA[Perf Low LTV Rank 6: Bankruptcy Status is Discharged.]]></Message>
209
+ <Message Type="Findings" RuleId="12177" RulesetId="11"><![CDATA[Perf Low LTV/High Risk Rank 7: LTV of 185.77% is greater than 100%.]]></Message>
210
+ <Message Type="Findings" RuleId="12178" RulesetId="11"><![CDATA[Perf Low LTV/High Risk Rank 7: Latest Representative Score of 581 is >= than 500.]]></Message>
211
+ <Message Type="Findings" RuleId="12180" RulesetId="11"><![CDATA[Perf Low LTV/High Risk Rank 7: Bankruptcy Status is Discharged.]]></Message>
212
+ <Message Type="Findings" RuleId="12183" RulesetId="11"><![CDATA[Perf Low LTV/High Risk Rank 7: Credit Drift is better than -75.]]></Message>
213
+ <Message Type="Findings" RuleId="12100" RulesetId="14"><![CDATA[Perf High LTV Rank 8: Bankruptcy Status is Discharged.]]></Message>
214
+ <Message Type="Findings" RuleId="12091" RulesetId="13"><![CDATA[Perf High LTV/High Risk Rank 9: Latest Representative Score of 581 is >= than 500.]]></Message>
215
+ <Message Type="Findings" RuleId="12093" RulesetId="13"><![CDATA[Perf High LTV/High Risk Rank 9: Bankruptcy Status is Discharged.]]></Message>
216
+ <Message Type="Findings" RuleId="12096" RulesetId="13"><![CDATA[Perf Low LTV/High Risk Rank 7: Credit Drift is better than -75.]]></Message>
217
+ <Message Type="Findings" RuleId="12254" RulesetId="15"><![CDATA[Modification Rank 10: Current Interest Rate is less than 7.1%.]]></Message>
218
+ <Message Type="Findings" RuleId="12151" RulesetId="18"><![CDATA[Forbearance Rank 11: Bankruptcy Status is Discharged.]]></Message>
219
+ <Message Type="Findings" RuleId="12210" RulesetId="17"><![CDATA[Repayment Rank 12: Bankruptcy Status is Discharged.]]></Message>
220
+ <Message Type="Findings" RuleId="12193" RulesetId="19"><![CDATA[Deed In Lieu Rank 13: Bankruptcy Status is Discharged.]]></Message>
221
+ <Message Type="Findings" RuleId="12119" RulesetId="16"><![CDATA[Short Sale Rank 14: Property not listed for sale.]]></Message>
222
+ <Message Type="Findings" RuleId="12200" RulesetId="20"><![CDATA[Foreclosure REO Rank 15: Bankruptcy Status is Discharged.]]></Message>
223
+ <Message Type="Findings" RuleId="12263" RulesetId="21"><![CDATA[Recommended Charge Off Rank 16: Loan Currently in Bankruptcy (Status).]]></Message>
224
+ <Message Type="Findings" RuleId="12264" RulesetId="21"><![CDATA[Recommended Charge Off Rank 16: Loan Currently in Bankruptcy. (Current Chapter)]]></Message>
225
+ <Message Type="Findings" RuleId="12106" RulesetId="27"><![CDATA[Missing Data: Current Unpaid Balance.]]></Message>
226
+ <Message Type="Findings" RuleId="12115" RulesetId="27"><![CDATA[Missing Data: Current BK Chapter.]]></Message>
227
+ <Message Type="Findings" RuleId="12116" RulesetId="27"><![CDATA[Missing Data: Property Type.]]></Message>
228
+ <Message Type="Findings" RuleId="12117" RulesetId="27"><![CDATA[Missing Data: Number of Units.]]></Message>
229
+ <Message Type="Findings" RuleId="12139" RulesetId="22"><![CDATA[Highest Ranked: None]]></Message>
230
+ </Messages>
231
+ <DerivedParameters>
232
+ <DPM Name="Repayment Rank 12" Type="DSM" Order="0" ProductType="6">Insufficient Data</DPM>
233
+ <DPM Name="Highest Ranked Program Loan Qualified For" Type="DSM" Order="0" ProductType="6">None</DPM>
234
+ <DPM Name="Original Loan Amount" Type="DSM" Order="0" ProductType="4">27143</DPM>
235
+ <DPM Name="Perf Low LTV / High Risk Rank 7" Type="DSM" Order="0" ProductType="6">Did not qualify</DPM>
236
+ <DPM Name="Foreclosure REO Rank 15" Type="DSM" Order="0" ProductType="6">Insufficient Data</DPM>
237
+ <DPM Name="Recommended Charge Off Rank 16" Type="DSM" Order="0" ProductType="6">Did not qualify</DPM>
238
+ <DPM Name="Perf High LTV / High Risk Rank 9" Type="DSM" Order="0" ProductType="6">Did not qualify</DPM>
239
+ <DPM Name="Modification Rank 10" Type="DSM" Order="0" ProductType="6">Insufficient Data</DPM>
240
+ <DPM Name="Deed In Lieu Rank 13" Type="DSM" Order="0" ProductType="6">Insufficient Data</DPM>
241
+ <DPM Name="Lien Number Tmp" Type="DSM" Order="0" ProductType="4">1</DPM>
242
+ <DPM Name="Current BK Chapter Tmp" Type="DSM" Order="0" ProductType="6">BADDATA</DPM>
243
+ <DPM Name="Perf Low LTV Rank 6" Type="DSM" Order="0" ProductType="6">Did not qualify</DPM>
244
+ <DPM Name="Current UPB" Type="DSM" Order="0" ProductType="4" />
245
+ <DPM Name="HAMP Prequal Rank 5" Type="DSM" Order="0" ProductType="6">Insufficient Data</DPM>
246
+ <DPM Name="Perf High LTV Rank 8" Type="DSM" Order="0" ProductType="6">Did not qualify</DPM>
247
+ <DPM Name="Decision" Type="DSM" Order="0" ProductType="6">Pass</DPM>
248
+ <DPM Name="Jumbo Conforming Rank 2" Type="DSM" Order="0" ProductType="6">Insufficient Data</DPM>
249
+ <DPM Name="FHA-FHA Refinance Rank 3" Type="DSM" Order="0" ProductType="6">Did not qualify</DPM>
250
+ <DPM Name="Currently Listed Tmp" Type="DSM" Order="0" ProductType="6">N</DPM>
251
+ <DPM Name="Short Sale Rank 14" Type="DSM" Order="0" ProductType="6">Did not qualify</DPM>
252
+ <DPM Name="Forbearance Rank 11" Type="DSM" Order="0" ProductType="6">Insufficient Data</DPM>
253
+ <DPM Name="Hope for Homeowners Rank 4" Type="DSM" Order="0" ProductType="6">Insufficient Data</DPM>
254
+ <DPM Name="GSE Eligible Rank 1" Type="DSM" Order="0" ProductType="6">Insufficient Data</DPM>
255
+ <DPM Name="DTI Front End" Type="DPM" Order="0" ProductType="4" />
256
+ <DPM Name="Credit Drift" Type="DPM" Order="0" ProductType="4">14</DPM>
257
+ <DPM Name="Property State Abbrev" Type="DPM" Order="0" ProductType="6">All</DPM>
258
+ <DPM Name="Latest Representative Score" Type="DPM" Order="0" ProductType="4">581</DPM>
259
+ <DPM Name="No of Units" Type="DPM" Order="0" ProductType="4" />
260
+ <DPM Name="LTV" Type="DPM" Order="0" ProductType="4">185.77</DPM>
261
+ <DPM Name="Current REO Flag" Type="DPM" Order="0" ProductType="6">No</DPM>
262
+ <DPM Name="Value Selected By System" Type="DPM" Order="0" ProductType="4">25000</DPM>
263
+ <DPM Name="DTI Back End" Type="DPM" Order="0" ProductType="4">0</DPM>
264
+ <DPM Name="Mortgage Owner" Type="DPM" Order="0" ProductType="6" />
265
+ <DPM Name="Bankruptcy Status" Type="DPM" Order="0" ProductType="6">Discharged</DPM>
266
+ <DPM Name="Current BK Chapter" Type="DPM" Order="0" ProductType="6">Not Applicable</DPM>
267
+ <DPM Name="Property Type" Type="DPM" Order="0" ProductType="6" />
268
+ <DPM Name="Note Date" Type="DPM" Order="0" ProductType="2">9/1/2007</DPM>
269
+ </DerivedParameters>
270
+ </Decision>
271
+
272
+
273
+ ******************************CalculateAppParam: Application InputXML*****************
274
+
275
+
276
+ <DECISION_REQUEST><APPLICATION ApplicationID="41273" OrganizationID="3" CreatedDate="04/20/2010" ModifiedDate="04/23/2010" Summary="Batch Upload Application" User="DGreene" SpouseIncludeFlag="N" SpouseQualFlag="N" JointFlag="N" UserID="6" UserName="Derick Greene" OrganizationName="Transaction Mgmt" ManualCredit="N" UserTypeId="" Source="Internal" ActName="Clayton" InBankruptcy="N" BackRatio="35.1000"><ORGANIZATION OrganizationID="3" APP_ORG_ID="3" UDFInt1="0" UDFInt2="0" UDFInt3="0" UDFInt4="0" UDFInt5="0" UDFStr1="" UDFStr2="" UDFStr3="" UDFStr4="" UDFStr5=""/><USER UserID="6" APP_USER_ID="6" IsSupervisor="1" UDFInt1="0" UDFInt2="0" UDFInt3="0" UDFInt4="0" UDFInt5="0" UDFStr1="" UDFStr2="" UDFStr3="" UDFStr4="" UDFStr5="" SubmittedUser="Derick Greene" SubmittedOrganization="Transaction Mgmt" SubmittedOrigin="Internal"/><APPLICATIONTEAM><APPLICATIONTEAM_USER FirstName="Derick" LastName="Greene" OrganizationName="Transaction Mgmt" OriginType="Internal" UserType="Originator" UserID="6" ATM_ID="38106"><APPLICATIONTEAM_USER_ORGANIZATION Address="" City="" Zip="" PhoneNumber="" ATM_USER_ID="6" OrganizationID="3"/></APPLICATIONTEAM_USER></APPLICATIONTEAM><APPLICANTS><APPLICANT BorrowerID="77268" IsPrimary="N" ForeignNationalIndicator="N" App1003ID="143" APA_1003_PRIMARY="0"><EMPLOYMENTS><EMPLOYMENT EmploymentID="153915" IsSelfEmployed="N" Type="Primary" EPM_ISRELATIVE_FLAG="0" Retired="0" W2="Y"/><EMPLOYMENT EmploymentID="155811" IsSelfEmployed="N" Type="Previous" EPM_ISRELATIVE_FLAG="0" Retired="0" W2="Y"/></EMPLOYMENTS></APPLICANT><APPLICANT BorrowerID="76268" IsPrimary="Y" Score="606" ForeignNationalIndicator="N" App1003ID="143" APA_1003_PRIMARY="1"><EMPLOYMENTS><EMPLOYMENT EmploymentID="152915" IsSelfEmployed="N" Type="Primary" EPM_ISRELATIVE_FLAG="0" Retired="0" W2="Y"/><EMPLOYMENT EmploymentID="154811" IsSelfEmployed="N" Type="Previous" EPM_ISRELATIVE_FLAG="0" Retired="0" W2="Y"/></EMPLOYMENTS><RESIDENCES><RESIDENCE ResidenceID="38376" IsPresent="Y" IsMailing="N"/></RESIDENCES></APPLICANT></APPLICANTS><ASSETS/><EXPENSES><EXPENSE ExpenseID="38120" IsCurrent="Y" Type="HomeownerAssociationDues" BorrowerID="76268" IsDiscretionary="N"><APPLICANTS><APPLICANT ApplicantIDREF="76268" IsPrimary="Y"/></APPLICANTS></EXPENSE></EXPENSES><PARAMETERS><PPM Name="Credit Drift" Value="13"/><PPM Name="Current BK Chapter UDF" Value="Not Applicable"/><PPM Name="Currently Listed UDF" Value="No"/><PPM Name="In REO UDF" Value="No"/><PPM Name="Lien Number UDF" Value="1"/><PPM Name="LTV" Value="80.89"/><PPM Name="ManualCredit" Value="Y"/></PARAMETERS><LOANS><LOAN LoanID="38106" Rate="7.6250" LienNumber="1" ComboFlag="N" LienType="1st" HighOverDueActivities="0" MediumOverDueActivities="0" LowOverDueActivities="0" LoanStage="Unknown" CurrentStage="00-New Casefile" OriginalLoanAmount="70282.0000" SellerLoanNumber="10000038" OpenConditionCount="0" OpenConditionPriorToProcessingCount="0" OpenConditionPriorToSubmissionCount="0" OpenConditionPriorToQualificationCount="0" OpenConditionPriorToTrialPeriodCount="0" OpenConditionPriorToLoanModificationCount="0" OpenConditionPriorToOversightCount="0" IOIndicator="N" NoteDate="03/01/1996" PayArrearagesAtOnceWithLiqAssets="N" PayArrearagesInInstmntWithLiqAssets="N" FNMAHomeSaverNote="N" CurrentlyInLoanMod="N" PreviousModifiedUnderHMP="N" BorrowerAgreesEscrowSetup="N" Approval="N" PriorLoanMod="N"><DEFAULT AbilityToResumeCurrentMtgPmt="N"/><INVESTOR/><SERVICER/><LISTINGAGENT/><AFTERMOD/><OTHERLOAN IOIndicator="N"/><OVERRIDES/></LOAN></LOANS><COLLATERALS><COLLATERAL CollID="38174" Units="1" RealEstateType="MobileHome" HomeOwnershipType="PrimaryResidence" LoanID="38106" NonWarrantableCondo="0" HomeOwnershipTypeID="1" HUDRepo="0" ModelHomeLeaseback="0" InheritedProperty="0" ValidAVM="N" ValidFlood="N" Occupied="N" Listed="N" Condition="New" OccupancyStatus="BorrowerOccupied"><VALUATION AsIsValue="70000.0000"/><SHORTSALE/></COLLATERAL></COLLATERALS></APPLICATION></DECISION_REQUEST>
277
+
278
+
279
+ ****Product XML
280
+
281
+ <PRODUCTS><PRODUCT ProductID="1" Name="TM Stratification" Program="TM Stratification" ProgramDisplayName="TM Stratification" ProgramID="1" Rate="0.0000" MortgageTypeID="1" Duration="0" IsAssumable="0" IsBiWeekly="0" IsPrepayPenalty="0" IsChallenger="0" MaxLTV="200" MaxCLTV="200" MaxLoanAmount="99999999.0000" FirstRateAdjustmentCap="0" RateAdjustmentCap="0" RateLifetimeCap="0" RateMargin="0" RateIndex="0" RateFloor="0" PaymentAdjustment="0" PaymentAdjustmentCap="0" AmortizationType="Fixed" ProductType="Mortgage" MortgageType="ConventionalwithPMI" POSGuidelineId="1" GuidelineName="TM-Stratification Program Guideline" UWGuidelineID="1" UWGuidelineName="TM-Stratification Program Guideline" POSGuidelineName="TM-Stratification Program Guideline" AUSSource="CQDS" /></PRODUCTS>
282
+
283
+
284
+ PRIMARY PARAMETER VALUES
285
+ ******************************PRODUCT PARAMETERS *************************
286
+
287
+ <PARAMS><_DATA_SET _Name='BORROWER CURRENT FICO' _Value='606'/><_DATA_SET _Name='FORECLOSURE STATUS' _Value=''/><_DATA_SET _Name='PROGRAM NAME' _Value='TM Stratification'/><_DATA_SET _Name='IN REO UDF' _Value='No'/><_DATA_SET _Name='LOAN AMOUNT' _Value=''/><_DATA_SET _Name='LIEN NUMBER UDF' _Value='1'/><_DATA_SET _Name='MORTGAGE OWNER' _Value=''/><_DATA_SET _Name='PROPERTY CONDITION' _Value='New'/><_DATA_SET _Name='LTV' _Value='80.89'/><_DATA_SET _Name='PROPERTY TYPE' _Value='MobileHome'/><_DATA_SET _Name='NO. OF UNITS' _Value='1'/><_DATA_SET _Name='STATE OF THE SUBJECT PROPERTY' _Value=''/><_DATA_SET _Name='FRONT RATIO' _Value=''/><_DATA_SET _Name='NOTE DATE' _Value='3/1/1996 12:00:00 AM'/><_DATA_SET _Name='CREDIT DRIFT' _Value='13'/><_DATA_SET _Name='ORIGINAL LOAN AMOUNT' _Value='70282'/><_DATA_SET _Name='PROPERTY VALUATION AS IS' _Value='70000'/><_DATA_SET _Name='BANKRUPTCY STATUS' _Value=''/><_DATA_SET _Name='OCCUPANCY' _Value='PrimaryResidence'/><_DATA_SET _Name='PROPERTY OCCUPANCY STATUS' _Value='BorrowerOccupied'/><_DATA_SET _Name='CURRENT BK CHAPTER UDF' _Value='Not Applicable'/><_DATA_SET _Name='LOAN TERM' _Value='0'/><_DATA_SET _Name='BACK RATIO' _Value='35.1'/><_DATA_SET _Name='IR' _Value='7.625'/><_DATA_SET _Name='CURRENTLY LISTED UDF' _Value='No'/></PARAMS>
288
+ ******************************Decisioned at 4/23/2010 9:35:57 AM***************
289
+
290
+ ****************************** Primary Parameters *****************************
291
+
292
+
293
+
294
+ ******************************Guideline*******************************************
295
+
296
+ <Guideline Id=1 Name= Version=0/>
297
+
298
+ <Rules />
299
+ <Decision GuidelineId="1" Rulecount="0" ExecutionTime="4/23/2010 9:35:57 AM" ExecutionResult="True">
300
+ <Messages>
301
+ <Message Type="Findings" RuleId="12154" RulesetId="6"><![CDATA[GSE Eligible Rank 1: LTV of 80.89% is greater than 80%.]]></Message>
302
+ <Message Type="Findings" RuleId="12158" RulesetId="6"><![CDATA[GSE Eligible Rank 1: Latest Representative Score of 606 is less than 660.]]></Message>
303
+ <Message Type="Findings" RuleId="12220" RulesetId="2"><![CDATA[Jumbo Conforming Rank 2: Original Loan Amount of $70282 is less than $417000.]]></Message>
304
+ <Message Type="Findings" RuleId="12221" RulesetId="2"><![CDATA[Jumbo Conforming Rank 2: MobileHome is not eligible.]]></Message>
305
+ <Message Type="Findings" RuleId="12230" RulesetId="2"><![CDATA[Jumbo Conforming Rank 2: Latest Representative Score of 606 is less than 700 required for Owner Occupied properties with LTV of 80.89%. ]]></Message>
306
+ <Message Type="Findings" RuleId="12239" RulesetId="9"><![CDATA[Hope for Homeowners Rank 4: Property Type MobileHome is not eligible.]]></Message>
307
+ <Message Type="Findings" RuleId="12242" RulesetId="9"><![CDATA[Hope for Homeowners Rank 4: Origination Date should be on or after 1/01/2008.]]></Message>
308
+ <Message Type="Findings" RuleId="12164" RulesetId="10"><![CDATA[HAMP Prequal Rank 5: Property Type MobileHome is not eligible.]]></Message>
309
+ <Message Type="Findings" RuleId="12178" RulesetId="11"><![CDATA[Perf Low LTV/High Risk Rank 7: Latest Representative Score of 606 is >= than 500.]]></Message>
310
+ <Message Type="Findings" RuleId="12183" RulesetId="11"><![CDATA[Perf Low LTV/High Risk Rank 7: Credit Drift is better than -75.]]></Message>
311
+ <Message Type="Findings" RuleId="12097" RulesetId="14"><![CDATA[Perf High LTV Rank 8: LTV of 80.89% is less than or equal to 100%.]]></Message>
312
+ <Message Type="Findings" RuleId="12090" RulesetId="13"><![CDATA[Perf High LTV/High Risk Rank 9: LTV of 80.89% is less than or equal to 100%.]]></Message>
313
+ <Message Type="Findings" RuleId="12091" RulesetId="13"><![CDATA[Perf High LTV/High Risk Rank 9: Latest Representative Score of 606 is >= than 500.]]></Message>
314
+ <Message Type="Findings" RuleId="12096" RulesetId="13"><![CDATA[Perf Low LTV/High Risk Rank 7: Credit Drift is better than -75.]]></Message>
315
+ <Message Type="Findings" RuleId="12247" RulesetId="15"><![CDATA[Modification Rank 10: Property Type MobileHome is not eligible.]]></Message>
316
+ <Message Type="Findings" RuleId="12144" RulesetId="18"><![CDATA[Forbearance Rank 11: Property Type MobileHome is not eligible.]]></Message>
317
+ <Message Type="Findings" RuleId="12203" RulesetId="17"><![CDATA[Repayment Rank 12: Property Type MobileHome is not eligible.]]></Message>
318
+ <Message Type="Findings" RuleId="12211" RulesetId="17"><![CDATA[Repayment Rank 12: Current Interest Rate is greater than 7%.]]></Message>
319
+ <Message Type="Findings" RuleId="12188" RulesetId="19"><![CDATA[Deed In Lieu Rank 13: LTV of 80.89% is less than 130%]]></Message>
320
+ <Message Type="Findings" RuleId="12119" RulesetId="16"><![CDATA[Short Sale Rank 14: Property not listed for sale.]]></Message>
321
+ <Message Type="Findings" RuleId="12196" RulesetId="20"><![CDATA[Foreclosure REO Rank 15: Property Type MobileHome is not eligible.]]></Message>
322
+ <Message Type="Findings" RuleId="12264" RulesetId="21"><![CDATA[Recommended Charge Off Rank 16: Loan Currently in Bankruptcy. (Current Chapter)]]></Message>
323
+ <Message Type="Findings" RuleId="12267" RulesetId="21"><![CDATA[Recommended Charge Off Rank 16: Value Selected by System is greater than $25000.]]></Message>
324
+ <Message Type="Findings" RuleId="12106" RulesetId="27"><![CDATA[Missing Data: Current Unpaid Balance.]]></Message>
325
+ <Message Type="Findings" RuleId="12115" RulesetId="27"><![CDATA[Missing Data: Current BK Chapter.]]></Message>
326
+ <Message Type="Findings" RuleId="12125" RulesetId="22"><![CDATA[Highest Ranked: FHA-FHA Refinance]]></Message>
327
+ </Messages>
328
+ <DerivedParameters>
329
+ <DPM Name="Repayment Rank 12" Type="DSM" Order="0" ProductType="6">Insufficient Data</DPM>
330
+ <DPM Name="Highest Ranked Program Loan Qualified For" Type="DSM" Order="0" ProductType="6">FHA-FHA Refinance</DPM>
331
+ <DPM Name="Original Loan Amount" Type="DSM" Order="0" ProductType="4">70282</DPM>
332
+ <DPM Name="Perf Low LTV / High Risk Rank 7" Type="DSM" Order="0" ProductType="6">Did not qualify</DPM>
333
+ <DPM Name="Foreclosure REO Rank 15" Type="DSM" Order="0" ProductType="6">Insufficient Data</DPM>
334
+ <DPM Name="Recommended Charge Off Rank 16" Type="DSM" Order="0" ProductType="6">Did not qualify</DPM>
335
+ <DPM Name="Perf High LTV / High Risk Rank 9" Type="DSM" Order="0" ProductType="6">Did not qualify</DPM>
336
+ <DPM Name="Modification Rank 10" Type="DSM" Order="0" ProductType="6">Insufficient Data</DPM>
337
+ <DPM Name="Deed In Lieu Rank 13" Type="DSM" Order="0" ProductType="6">Insufficient Data</DPM>
338
+ <DPM Name="Lien Number Tmp" Type="DSM" Order="0" ProductType="4">1</DPM>
339
+ <DPM Name="Current BK Chapter Tmp" Type="DSM" Order="0" ProductType="6">BADDATA</DPM>
340
+ <DPM Name="Perf Low LTV Rank 6" Type="DSM" Order="0" ProductType="6">Qualifies</DPM>
341
+ <DPM Name="Current UPB" Type="DSM" Order="0" ProductType="4" />
342
+ <DPM Name="HAMP Prequal Rank 5" Type="DSM" Order="0" ProductType="6">Insufficient Data</DPM>
343
+ <DPM Name="Perf High LTV Rank 8" Type="DSM" Order="0" ProductType="6">Did not qualify</DPM>
344
+ <DPM Name="Decision" Type="DSM" Order="0" ProductType="6">Pass</DPM>
345
+ <DPM Name="Jumbo Conforming Rank 2" Type="DSM" Order="0" ProductType="6">Did not qualify</DPM>
346
+ <DPM Name="FHA-FHA Refinance Rank 3" Type="DSM" Order="0" ProductType="6">Qualifies</DPM>
347
+ <DPM Name="Currently Listed Tmp" Type="DSM" Order="0" ProductType="6">N</DPM>
348
+ <DPM Name="Short Sale Rank 14" Type="DSM" Order="0" ProductType="6">Did not qualify</DPM>
349
+ <DPM Name="Forbearance Rank 11" Type="DSM" Order="0" ProductType="6">Insufficient Data</DPM>
350
+ <DPM Name="Hope for Homeowners Rank 4" Type="DSM" Order="0" ProductType="6">Did not qualify</DPM>
351
+ <DPM Name="GSE Eligible Rank 1" Type="DSM" Order="0" ProductType="6">Did not qualify</DPM>
352
+ <DPM Name="DTI Front End" Type="DPM" Order="0" ProductType="4" />
353
+ <DPM Name="Credit Drift" Type="DPM" Order="0" ProductType="4">13</DPM>
354
+ <DPM Name="Property State Abbrev" Type="DPM" Order="0" ProductType="6">All</DPM>
355
+ <DPM Name="Latest Representative Score" Type="DPM" Order="0" ProductType="4">606</DPM>
356
+ <DPM Name="No of Units" Type="DPM" Order="0" ProductType="4">1</DPM>
357
+ <DPM Name="LTV" Type="DPM" Order="0" ProductType="4">80.89</DPM>
358
+ <DPM Name="Current REO Flag" Type="DPM" Order="0" ProductType="6">No</DPM>
359
+ <DPM Name="Value Selected By System" Type="DPM" Order="0" ProductType="4">70000</DPM>
360
+ <DPM Name="DTI Back End" Type="DPM" Order="0" ProductType="4">35.1</DPM>
361
+ <DPM Name="Mortgage Owner" Type="DPM" Order="0" ProductType="6" />
362
+ <DPM Name="Bankruptcy Status" Type="DPM" Order="0" ProductType="6" />
363
+ <DPM Name="Current BK Chapter" Type="DPM" Order="0" ProductType="6">Not Applicable</DPM>
364
+ <DPM Name="Property Type" Type="DPM" Order="0" ProductType="6">MobileHome</DPM>
365
+ <DPM Name="Note Date" Type="DPM" Order="0" ProductType="2">3/1/1996</DPM>
366
+ </DerivedParameters>
367
+ </Decision>
368
+
369
+
370
+ ******************************CalculateAppParam: Application InputXML*****************
371
+
372
+
373
+ <DECISION_REQUEST><APPLICATION ApplicationID="41275" OrganizationID="3" CreatedDate="04/20/2010" ModifiedDate="04/23/2010" Summary="Batch Upload Application" User="DGreene" SpouseIncludeFlag="N" SpouseQualFlag="N" JointFlag="N" UserID="6" UserName="Derick Greene" OrganizationName="Transaction Mgmt" ManualCredit="N" UserTypeId="" Source="Internal" ActName="Clayton" InBankruptcy="N" BackRatio="41.8000"><ORGANIZATION OrganizationID="3" APP_ORG_ID="3" UDFInt1="0" UDFInt2="0" UDFInt3="0" UDFInt4="0" UDFInt5="0" UDFStr1="" UDFStr2="" UDFStr3="" UDFStr4="" UDFStr5=""/><USER UserID="6" APP_USER_ID="6" IsSupervisor="1" UDFInt1="0" UDFInt2="0" UDFInt3="0" UDFInt4="0" UDFInt5="0" UDFStr1="" UDFStr2="" UDFStr3="" UDFStr4="" UDFStr5="" SubmittedUser="Derick Greene" SubmittedOrganization="Transaction Mgmt" SubmittedOrigin="Internal"/><APPLICATIONTEAM><APPLICATIONTEAM_USER FirstName="Derick" LastName="Greene" OrganizationName="Transaction Mgmt" OriginType="Internal" UserType="Originator" UserID="6" ATM_ID="38108"><APPLICATIONTEAM_USER_ORGANIZATION Address="" City="" Zip="" PhoneNumber="" ATM_USER_ID="6" OrganizationID="3"/></APPLICATIONTEAM_USER></APPLICATIONTEAM><APPLICANTS><APPLICANT BorrowerID="77270" IsPrimary="N" ForeignNationalIndicator="N" App1003ID="143" APA_1003_PRIMARY="0"><EMPLOYMENTS><EMPLOYMENT EmploymentID="153917" IsSelfEmployed="N" Type="Primary" EPM_ISRELATIVE_FLAG="0" Retired="0" W2="Y"/><EMPLOYMENT EmploymentID="155813" IsSelfEmployed="N" Type="Previous" EPM_ISRELATIVE_FLAG="0" Retired="0" W2="Y"/></EMPLOYMENTS></APPLICANT><APPLICANT BorrowerID="76270" IsPrimary="Y" Score="680" ForeignNationalIndicator="N" App1003ID="143" APA_1003_PRIMARY="1"><EMPLOYMENTS><EMPLOYMENT EmploymentID="152917" IsSelfEmployed="N" Type="Primary" EPM_ISRELATIVE_FLAG="0" Retired="0" W2="Y"/><EMPLOYMENT EmploymentID="154813" IsSelfEmployed="N" Type="Previous" EPM_ISRELATIVE_FLAG="0" Retired="0" W2="Y"/></EMPLOYMENTS><RESIDENCES><RESIDENCE ResidenceID="38378" IsPresent="Y" IsMailing="N"/></RESIDENCES></APPLICANT></APPLICANTS><ASSETS/><EXPENSES><EXPENSE ExpenseID="38122" IsCurrent="Y" Type="HomeownerAssociationDues" BorrowerID="76270" IsDiscretionary="N"><APPLICANTS><APPLICANT ApplicantIDREF="76270" IsPrimary="Y"/></APPLICANTS></EXPENSE></EXPENSES><PARAMETERS><PPM Name="Credit Drift" Value="103"/><PPM Name="Current BK Chapter UDF" Value="Not Applicable"/><PPM Name="Currently Listed UDF" Value="Yes"/><PPM Name="In REO UDF" Value="No"/><PPM Name="Lien Number UDF" Value="1"/><PPM Name="LTV" Value="44.91"/><PPM Name="ManualCredit" Value="Y"/></PARAMETERS><LOANS><LOAN LoanID="38108" Rate="7.6250" LienNumber="1" ComboFlag="N" LienType="1st" HighOverDueActivities="0" MediumOverDueActivities="0" LowOverDueActivities="0" LoanStage="Unknown" CurrentStage="00-New Casefile" OriginalLoanAmount="155788.0000" SellerLoanNumber="10000040" OpenConditionCount="0" OpenConditionPriorToProcessingCount="0" OpenConditionPriorToSubmissionCount="0" OpenConditionPriorToQualificationCount="0" OpenConditionPriorToTrialPeriodCount="0" OpenConditionPriorToLoanModificationCount="0" OpenConditionPriorToOversightCount="0" IOIndicator="N" NoteDate="05/01/1997" PayArrearagesAtOnceWithLiqAssets="N" PayArrearagesInInstmntWithLiqAssets="N" FNMAHomeSaverNote="N" CurrentlyInLoanMod="N" PreviousModifiedUnderHMP="N" BorrowerAgreesEscrowSetup="N" Approval="N" PriorLoanMod="N"><DEFAULT AbilityToResumeCurrentMtgPmt="N"/><INVESTOR/><SERVICER/><LISTINGAGENT/><AFTERMOD/><OTHERLOAN IOIndicator="N"/><OVERRIDES/></LOAN></LOANS><COLLATERALS><COLLATERAL CollID="38176" Units="1" RealEstateType="SFRAttached" HomeOwnershipType="PrimaryResidence" LoanID="38108" NonWarrantableCondo="0" HomeOwnershipTypeID="1" HUDRepo="0" ModelHomeLeaseback="0" InheritedProperty="0" ValidAVM="N" ValidFlood="N" Occupied="N" Listed="N" Condition="New" OccupancyStatus="BorrowerOccupied"><VALUATION AsIsValue="290000.0000"/><SHORTSALE/></COLLATERAL></COLLATERALS></APPLICATION></DECISION_REQUEST>
374
+
375
+
376
+ ****Product XML
377
+
378
+ <PRODUCTS><PRODUCT ProductID="1" Name="TM Stratification" Program="TM Stratification" ProgramDisplayName="TM Stratification" ProgramID="1" Rate="0.0000" MortgageTypeID="1" Duration="0" IsAssumable="0" IsBiWeekly="0" IsPrepayPenalty="0" IsChallenger="0" MaxLTV="200" MaxCLTV="200" MaxLoanAmount="99999999.0000" FirstRateAdjustmentCap="0" RateAdjustmentCap="0" RateLifetimeCap="0" RateMargin="0" RateIndex="0" RateFloor="0" PaymentAdjustment="0" PaymentAdjustmentCap="0" AmortizationType="Fixed" ProductType="Mortgage" MortgageType="ConventionalwithPMI" POSGuidelineId="1" GuidelineName="TM-Stratification Program Guideline" UWGuidelineID="1" UWGuidelineName="TM-Stratification Program Guideline" POSGuidelineName="TM-Stratification Program Guideline" AUSSource="CQDS" /></PRODUCTS>
379
+
380
+
381
+ PRIMARY PARAMETER VALUES
382
+ ******************************PRODUCT PARAMETERS *************************
383
+
384
+ <PARAMS><_DATA_SET _Name='BORROWER CURRENT FICO' _Value='680'/><_DATA_SET _Name='FORECLOSURE STATUS' _Value=''/><_DATA_SET _Name='PROGRAM NAME' _Value='TM Stratification'/><_DATA_SET _Name='IN REO UDF' _Value='No'/><_DATA_SET _Name='LOAN AMOUNT' _Value=''/><_DATA_SET _Name='LIEN NUMBER UDF' _Value='1'/><_DATA_SET _Name='MORTGAGE OWNER' _Value=''/><_DATA_SET _Name='PROPERTY CONDITION' _Value='New'/><_DATA_SET _Name='LTV' _Value='44.91'/><_DATA_SET _Name='PROPERTY TYPE' _Value='SFRAttached'/><_DATA_SET _Name='NO. OF UNITS' _Value='1'/><_DATA_SET _Name='STATE OF THE SUBJECT PROPERTY' _Value=''/><_DATA_SET _Name='FRONT RATIO' _Value=''/><_DATA_SET _Name='NOTE DATE' _Value='5/1/1997 12:00:00 AM'/><_DATA_SET _Name='CREDIT DRIFT' _Value='103'/><_DATA_SET _Name='ORIGINAL LOAN AMOUNT' _Value='155788'/><_DATA_SET _Name='PROPERTY VALUATION AS IS' _Value='290000'/><_DATA_SET _Name='BANKRUPTCY STATUS' _Value=''/><_DATA_SET _Name='OCCUPANCY' _Value='PrimaryResidence'/><_DATA_SET _Name='PROPERTY OCCUPANCY STATUS' _Value='BorrowerOccupied'/><_DATA_SET _Name='CURRENT BK CHAPTER UDF' _Value='Not Applicable'/><_DATA_SET _Name='LOAN TERM' _Value='0'/><_DATA_SET _Name='BACK RATIO' _Value='41.8'/><_DATA_SET _Name='IR' _Value='7.625'/><_DATA_SET _Name='CURRENTLY LISTED UDF' _Value='Yes'/></PARAMS>
385
+ ******************************Decisioned at 4/23/2010 9:35:58 AM***************
386
+
387
+ ****************************** Primary Parameters *****************************
388
+
389
+
390
+
391
+ ******************************Guideline*******************************************
392
+
393
+ <Guideline Id=1 Name= Version=0/>
394
+
395
+ <Rules />
396
+ <Decision GuidelineId="1" Rulecount="0" ExecutionTime="4/23/2010 9:35:58 AM" ExecutionResult="True">
397
+ <Messages>
398
+ <Message Type="Findings" RuleId="12220" RulesetId="2"><![CDATA[Jumbo Conforming Rank 2: Original Loan Amount of $155788 is less than $417000.]]></Message>
399
+ <Message Type="Findings" RuleId="12229" RulesetId="2"><![CDATA[Jumbo Conforming Rank 2: Latest Representative Score of 680 is less than 699 required for Owner Occupied properties with LTV of 44.91%. ]]></Message>
400
+ <Message Type="Findings" RuleId="12230" RulesetId="2"><![CDATA[Jumbo Conforming Rank 2: Latest Representative Score of 680 is less than 700 required for Owner Occupied properties with LTV of 44.91%. ]]></Message>
401
+ <Message Type="Findings" RuleId="12242" RulesetId="9"><![CDATA[Hope for Homeowners Rank 4: Origination Date should be on or after 1/01/2008.]]></Message>
402
+ <Message Type="Findings" RuleId="12178" RulesetId="11"><![CDATA[Perf Low LTV/High Risk Rank 7: Latest Representative Score of 680 is >= than 500.]]></Message>
403
+ <Message Type="Findings" RuleId="12183" RulesetId="11"><![CDATA[Perf Low LTV/High Risk Rank 7: Credit Drift is better than -75.]]></Message>
404
+ <Message Type="Findings" RuleId="12097" RulesetId="14"><![CDATA[Perf High LTV Rank 8: LTV of 44.91% is less than or equal to 100%.]]></Message>
405
+ <Message Type="Findings" RuleId="12090" RulesetId="13"><![CDATA[Perf High LTV/High Risk Rank 9: LTV of 44.91% is less than or equal to 100%.]]></Message>
406
+ <Message Type="Findings" RuleId="12091" RulesetId="13"><![CDATA[Perf High LTV/High Risk Rank 9: Latest Representative Score of 680 is >= than 500.]]></Message>
407
+ <Message Type="Findings" RuleId="12096" RulesetId="13"><![CDATA[Perf Low LTV/High Risk Rank 7: Credit Drift is better than -75.]]></Message>
408
+ <Message Type="Findings" RuleId="12249" RulesetId="15"><![CDATA[Modification Rank 10: Property listed for sale.]]></Message>
409
+ <Message Type="Findings" RuleId="12146" RulesetId="18"><![CDATA[Forbearance Rank 11: Property listed for sale.]]></Message>
410
+ <Message Type="Findings" RuleId="12205" RulesetId="17"><![CDATA[Repayment Rank 12: Property listed for sale.]]></Message>
411
+ <Message Type="Findings" RuleId="12211" RulesetId="17"><![CDATA[Repayment Rank 12: Current Interest Rate is greater than 7%.]]></Message>
412
+ <Message Type="Findings" RuleId="12188" RulesetId="19"><![CDATA[Deed In Lieu Rank 13: LTV of 44.91% is less than 130%]]></Message>
413
+ <Message Type="Findings" RuleId="12190" RulesetId="19"><![CDATA[Deed In Lieu Rank 13: Property listed for sale.]]></Message>
414
+ <Message Type="Findings" RuleId="12264" RulesetId="21"><![CDATA[Recommended Charge Off Rank 16: Loan Currently in Bankruptcy. (Current Chapter)]]></Message>
415
+ <Message Type="Findings" RuleId="12267" RulesetId="21"><![CDATA[Recommended Charge Off Rank 16: Value Selected by System is greater than $25000.]]></Message>
416
+ <Message Type="Findings" RuleId="12106" RulesetId="27"><![CDATA[Missing Data: Current Unpaid Balance.]]></Message>
417
+ <Message Type="Findings" RuleId="12115" RulesetId="27"><![CDATA[Missing Data: Current BK Chapter.]]></Message>
418
+ <Message Type="Findings" RuleId="12123" RulesetId="22"><![CDATA[Highest Ranked: GSE Eligible]]></Message>
419
+ </Messages>
420
+ <DerivedParameters>
421
+ <DPM Name="Repayment Rank 12" Type="DSM" Order="0" ProductType="6">Insufficient Data</DPM>
422
+ <DPM Name="Highest Ranked Program Loan Qualified For" Type="DSM" Order="0" ProductType="6">GSE Eligible</DPM>
423
+ <DPM Name="Original Loan Amount" Type="DSM" Order="0" ProductType="4">155788</DPM>
424
+ <DPM Name="Perf Low LTV / High Risk Rank 7" Type="DSM" Order="0" ProductType="6">Did not qualify</DPM>
425
+ <DPM Name="Foreclosure REO Rank 15" Type="DSM" Order="0" ProductType="6">Insufficient Data</DPM>
426
+ <DPM Name="Recommended Charge Off Rank 16" Type="DSM" Order="0" ProductType="6">Did not qualify</DPM>
427
+ <DPM Name="Perf High LTV / High Risk Rank 9" Type="DSM" Order="0" ProductType="6">Did not qualify</DPM>
428
+ <DPM Name="Modification Rank 10" Type="DSM" Order="0" ProductType="6">Insufficient Data</DPM>
429
+ <DPM Name="Deed In Lieu Rank 13" Type="DSM" Order="0" ProductType="6">Insufficient Data</DPM>
430
+ <DPM Name="Lien Number Tmp" Type="DSM" Order="0" ProductType="4">1</DPM>
431
+ <DPM Name="Current BK Chapter Tmp" Type="DSM" Order="0" ProductType="6">BADDATA</DPM>
432
+ <DPM Name="Perf Low LTV Rank 6" Type="DSM" Order="0" ProductType="6">Qualifies</DPM>
433
+ <DPM Name="Current UPB" Type="DSM" Order="0" ProductType="4" />
434
+ <DPM Name="HAMP Prequal Rank 5" Type="DSM" Order="0" ProductType="6">Insufficient Data</DPM>
435
+ <DPM Name="Perf High LTV Rank 8" Type="DSM" Order="0" ProductType="6">Did not qualify</DPM>
436
+ <DPM Name="Decision" Type="DSM" Order="0" ProductType="6">Pass</DPM>
437
+ <DPM Name="Jumbo Conforming Rank 2" Type="DSM" Order="0" ProductType="6">Did not qualify</DPM>
438
+ <DPM Name="FHA-FHA Refinance Rank 3" Type="DSM" Order="0" ProductType="6">Qualifies</DPM>
439
+ <DPM Name="Currently Listed Tmp" Type="DSM" Order="0" ProductType="6">Y</DPM>
440
+ <DPM Name="Short Sale Rank 14" Type="DSM" Order="0" ProductType="6">Qualifies</DPM>
441
+ <DPM Name="Forbearance Rank 11" Type="DSM" Order="0" ProductType="6">Insufficient Data</DPM>
442
+ <DPM Name="Hope for Homeowners Rank 4" Type="DSM" Order="0" ProductType="6">Did not qualify</DPM>
443
+ <DPM Name="GSE Eligible Rank 1" Type="DSM" Order="0" ProductType="6">Qualifies</DPM>
444
+ <DPM Name="DTI Front End" Type="DPM" Order="0" ProductType="4" />
445
+ <DPM Name="Credit Drift" Type="DPM" Order="0" ProductType="4">103</DPM>
446
+ <DPM Name="Property State Abbrev" Type="DPM" Order="0" ProductType="6">All</DPM>
447
+ <DPM Name="Latest Representative Score" Type="DPM" Order="0" ProductType="4">680</DPM>
448
+ <DPM Name="No of Units" Type="DPM" Order="0" ProductType="4">1</DPM>
449
+ <DPM Name="LTV" Type="DPM" Order="0" ProductType="4">44.91</DPM>
450
+ <DPM Name="Current REO Flag" Type="DPM" Order="0" ProductType="6">No</DPM>
451
+ <DPM Name="Value Selected By System" Type="DPM" Order="0" ProductType="4">290000</DPM>
452
+ <DPM Name="DTI Back End" Type="DPM" Order="0" ProductType="4">41.8</DPM>
453
+ <DPM Name="Mortgage Owner" Type="DPM" Order="0" ProductType="6" />
454
+ <DPM Name="Bankruptcy Status" Type="DPM" Order="0" ProductType="6" />
455
+ <DPM Name="Current BK Chapter" Type="DPM" Order="0" ProductType="6">Not Applicable</DPM>
456
+ <DPM Name="Property Type" Type="DPM" Order="0" ProductType="6">SFRAttached</DPM>
457
+ <DPM Name="Note Date" Type="DPM" Order="0" ProductType="2">5/1/1997</DPM>
458
+ </DerivedParameters>
459
+ </Decision>
460
+
461
+
462
+ ******************************CalculateAppParam: Application InputXML*****************
463
+
464
+
465
+ <DECISION_REQUEST><APPLICATION ApplicationID="41276" OrganizationID="3" CreatedDate="04/20/2010" ModifiedDate="04/23/2010" Summary="Batch Upload Application" User="DGreene" SpouseIncludeFlag="N" SpouseQualFlag="N" JointFlag="N" UserID="6" UserName="Derick Greene" OrganizationName="Transaction Mgmt" ManualCredit="N" UserTypeId="" Source="Internal" ActName="Clayton" InBankruptcy="N" BackRatio="36.0000"><ORGANIZATION OrganizationID="3" APP_ORG_ID="3" UDFInt1="0" UDFInt2="0" UDFInt3="0" UDFInt4="0" UDFInt5="0" UDFStr1="" UDFStr2="" UDFStr3="" UDFStr4="" UDFStr5=""/><USER UserID="6" APP_USER_ID="6" IsSupervisor="1" UDFInt1="0" UDFInt2="0" UDFInt3="0" UDFInt4="0" UDFInt5="0" UDFStr1="" UDFStr2="" UDFStr3="" UDFStr4="" UDFStr5="" SubmittedUser="Derick Greene" SubmittedOrganization="Transaction Mgmt" SubmittedOrigin="Internal"/><APPLICATIONTEAM><APPLICATIONTEAM_USER FirstName="Derick" LastName="Greene" OrganizationName="Transaction Mgmt" OriginType="Internal" UserType="Originator" UserID="6" ATM_ID="38109"><APPLICATIONTEAM_USER_ORGANIZATION Address="" City="" Zip="" PhoneNumber="" ATM_USER_ID="6" OrganizationID="3"/></APPLICATIONTEAM_USER></APPLICATIONTEAM><APPLICANTS><APPLICANT BorrowerID="76271" IsPrimary="Y" Score="738" ForeignNationalIndicator="N" App1003ID="143" APA_1003_PRIMARY="1"><EMPLOYMENTS><EMPLOYMENT EmploymentID="152918" IsSelfEmployed="N" Type="Primary" EPM_ISRELATIVE_FLAG="0" Retired="0" W2="Y"/><EMPLOYMENT EmploymentID="154814" IsSelfEmployed="N" Type="Previous" EPM_ISRELATIVE_FLAG="0" Retired="0" W2="Y"/></EMPLOYMENTS><RESIDENCES><RESIDENCE ResidenceID="38379" IsPresent="Y" IsMailing="N"/></RESIDENCES></APPLICANT><APPLICANT BorrowerID="77271" IsPrimary="N" ForeignNationalIndicator="N" App1003ID="143" APA_1003_PRIMARY="0"><EMPLOYMENTS><EMPLOYMENT EmploymentID="153918" IsSelfEmployed="N" Type="Primary" EPM_ISRELATIVE_FLAG="0" Retired="0" W2="Y"/><EMPLOYMENT EmploymentID="155814" IsSelfEmployed="N" Type="Previous" EPM_ISRELATIVE_FLAG="0" Retired="0" W2="Y"/></EMPLOYMENTS></APPLICANT></APPLICANTS><ASSETS/><EXPENSES><EXPENSE ExpenseID="38123" IsCurrent="Y" Type="HomeownerAssociationDues" BorrowerID="76271" IsDiscretionary="N"><APPLICANTS><APPLICANT ApplicantIDREF="76271" IsPrimary="Y"/></APPLICANTS></EXPENSE></EXPENSES><PARAMETERS><PPM Name="Credit Drift" Value="52"/><PPM Name="Current BK Chapter UDF" Value="Not Applicable"/><PPM Name="Currently Listed UDF" Value="No"/><PPM Name="In REO UDF" Value="No"/><PPM Name="Lien Number UDF" Value="1"/><PPM Name="LTV" Value="30.96"/><PPM Name="ManualCredit" Value="Y"/></PARAMETERS><LOANS><LOAN LoanID="38109" Rate="7.6250" LienNumber="1" ComboFlag="N" LienType="1st" HighOverDueActivities="0" MediumOverDueActivities="0" LowOverDueActivities="0" LoanStage="Unknown" CurrentStage="00-New Casefile" OriginalLoanAmount="87935.0000" SellerLoanNumber="10000041" OpenConditionCount="0" OpenConditionPriorToProcessingCount="0" OpenConditionPriorToSubmissionCount="0" OpenConditionPriorToQualificationCount="0" OpenConditionPriorToTrialPeriodCount="0" OpenConditionPriorToLoanModificationCount="0" OpenConditionPriorToOversightCount="0" IOIndicator="N" NoteDate="12/01/1994" PayArrearagesAtOnceWithLiqAssets="N" PayArrearagesInInstmntWithLiqAssets="N" FNMAHomeSaverNote="N" CurrentlyInLoanMod="N" PreviousModifiedUnderHMP="N" BorrowerAgreesEscrowSetup="N" Approval="N" PriorLoanMod="N"><DEFAULT AbilityToResumeCurrentMtgPmt="N"/><INVESTOR/><SERVICER/><LISTINGAGENT/><AFTERMOD/><OTHERLOAN IOIndicator="N"/><OVERRIDES/></LOAN></LOANS><COLLATERALS><COLLATERAL CollID="38177" Units="1" RealEstateType="SingleFamily" HomeOwnershipType="PrimaryResidence" LoanID="38109" NonWarrantableCondo="0" HomeOwnershipTypeID="1" HUDRepo="0" ModelHomeLeaseback="0" InheritedProperty="0" ValidAVM="N" ValidFlood="N" Occupied="N" Listed="N" Condition="Excellent" OccupancyStatus="BorrowerOccupied"><VALUATION AsIsValue="140000.0000"/><SHORTSALE/></COLLATERAL></COLLATERALS></APPLICATION></DECISION_REQUEST>
466
+
467
+
468
+ ****Product XML
469
+
470
+ <PRODUCTS><PRODUCT ProductID="1" Name="TM Stratification" Program="TM Stratification" ProgramDisplayName="TM Stratification" ProgramID="1" Rate="0.0000" MortgageTypeID="1" Duration="0" IsAssumable="0" IsBiWeekly="0" IsPrepayPenalty="0" IsChallenger="0" MaxLTV="200" MaxCLTV="200" MaxLoanAmount="99999999.0000" FirstRateAdjustmentCap="0" RateAdjustmentCap="0" RateLifetimeCap="0" RateMargin="0" RateIndex="0" RateFloor="0" PaymentAdjustment="0" PaymentAdjustmentCap="0" AmortizationType="Fixed" ProductType="Mortgage" MortgageType="ConventionalwithPMI" POSGuidelineId="1" GuidelineName="TM-Stratification Program Guideline" UWGuidelineID="1" UWGuidelineName="TM-Stratification Program Guideline" POSGuidelineName="TM-Stratification Program Guideline" AUSSource="CQDS" /></PRODUCTS>
471
+
472
+
473
+ PRIMARY PARAMETER VALUES
474
+ ******************************PRODUCT PARAMETERS *************************
475
+
476
+ <PARAMS><_DATA_SET _Name='BORROWER CURRENT FICO' _Value='738'/><_DATA_SET _Name='FORECLOSURE STATUS' _Value=''/><_DATA_SET _Name='PROGRAM NAME' _Value='TM Stratification'/><_DATA_SET _Name='IN REO UDF' _Value='No'/><_DATA_SET _Name='LOAN AMOUNT' _Value=''/><_DATA_SET _Name='LIEN NUMBER UDF' _Value='1'/><_DATA_SET _Name='MORTGAGE OWNER' _Value=''/><_DATA_SET _Name='PROPERTY CONDITION' _Value='Excellent'/><_DATA_SET _Name='LTV' _Value='30.96'/><_DATA_SET _Name='PROPERTY TYPE' _Value='SingleFamily'/><_DATA_SET _Name='NO. OF UNITS' _Value='1'/><_DATA_SET _Name='STATE OF THE SUBJECT PROPERTY' _Value=''/><_DATA_SET _Name='FRONT RATIO' _Value=''/><_DATA_SET _Name='NOTE DATE' _Value='12/1/1994 12:00:00 AM'/><_DATA_SET _Name='CREDIT DRIFT' _Value='52'/><_DATA_SET _Name='ORIGINAL LOAN AMOUNT' _Value='87935'/><_DATA_SET _Name='PROPERTY VALUATION AS IS' _Value='140000'/><_DATA_SET _Name='BANKRUPTCY STATUS' _Value=''/><_DATA_SET _Name='OCCUPANCY' _Value='PrimaryResidence'/><_DATA_SET _Name='PROPERTY OCCUPANCY STATUS' _Value='BorrowerOccupied'/><_DATA_SET _Name='CURRENT BK CHAPTER UDF' _Value='Not Applicable'/><_DATA_SET _Name='LOAN TERM' _Value='0'/><_DATA_SET _Name='BACK RATIO' _Value='36'/><_DATA_SET _Name='IR' _Value='7.625'/><_DATA_SET _Name='CURRENTLY LISTED UDF' _Value='No'/></PARAMS>
477
+ ******************************Decisioned at 4/23/2010 9:35:59 AM***************
478
+
479
+ ****************************** Primary Parameters *****************************
480
+
481
+
482
+
483
+ ******************************Guideline*******************************************
484
+
485
+ <Guideline Id=1 Name= Version=0/>
486
+
487
+ <Rules />
488
+ <Decision GuidelineId="1" Rulecount="0" ExecutionTime="4/23/2010 9:35:59 AM" ExecutionResult="True">
489
+ <Messages>
490
+ <Message Type="Findings" RuleId="12220" RulesetId="2"><![CDATA[Jumbo Conforming Rank 2: Original Loan Amount of $87935 is less than $417000.]]></Message>
491
+ <Message Type="Findings" RuleId="12242" RulesetId="9"><![CDATA[Hope for Homeowners Rank 4: Origination Date should be on or after 1/01/2008.]]></Message>
492
+ <Message Type="Findings" RuleId="12178" RulesetId="11"><![CDATA[Perf Low LTV/High Risk Rank 7: Latest Representative Score of 738 is >= than 500.]]></Message>
493
+ <Message Type="Findings" RuleId="12183" RulesetId="11"><![CDATA[Perf Low LTV/High Risk Rank 7: Credit Drift is better than -75.]]></Message>
494
+ <Message Type="Findings" RuleId="12097" RulesetId="14"><![CDATA[Perf High LTV Rank 8: LTV of 30.96% is less than or equal to 100%.]]></Message>
495
+ <Message Type="Findings" RuleId="12090" RulesetId="13"><![CDATA[Perf High LTV/High Risk Rank 9: LTV of 30.96% is less than or equal to 100%.]]></Message>
496
+ <Message Type="Findings" RuleId="12091" RulesetId="13"><![CDATA[Perf High LTV/High Risk Rank 9: Latest Representative Score of 738 is >= than 500.]]></Message>
497
+ <Message Type="Findings" RuleId="12096" RulesetId="13"><![CDATA[Perf Low LTV/High Risk Rank 7: Credit Drift is better than -75.]]></Message>
498
+ <Message Type="Findings" RuleId="12211" RulesetId="17"><![CDATA[Repayment Rank 12: Current Interest Rate is greater than 7%.]]></Message>
499
+ <Message Type="Findings" RuleId="12188" RulesetId="19"><![CDATA[Deed In Lieu Rank 13: LTV of 30.96% is less than 130%]]></Message>
500
+ <Message Type="Findings" RuleId="12119" RulesetId="16"><![CDATA[Short Sale Rank 14: Property not listed for sale.]]></Message>
501
+ <Message Type="Findings" RuleId="12264" RulesetId="21"><![CDATA[Recommended Charge Off Rank 16: Loan Currently in Bankruptcy. (Current Chapter)]]></Message>
502
+ <Message Type="Findings" RuleId="12267" RulesetId="21"><![CDATA[Recommended Charge Off Rank 16: Value Selected by System is greater than $25000.]]></Message>
503
+ <Message Type="Findings" RuleId="12106" RulesetId="27"><![CDATA[Missing Data: Current Unpaid Balance.]]></Message>
504
+ <Message Type="Findings" RuleId="12115" RulesetId="27"><![CDATA[Missing Data: Current BK Chapter.]]></Message>
505
+ <Message Type="Findings" RuleId="12123" RulesetId="22"><![CDATA[Highest Ranked: GSE Eligible]]></Message>
506
+ </Messages>
507
+ <DerivedParameters>
508
+ <DPM Name="Repayment Rank 12" Type="DSM" Order="0" ProductType="6">Insufficient Data</DPM>
509
+ <DPM Name="Highest Ranked Program Loan Qualified For" Type="DSM" Order="0" ProductType="6">GSE Eligible</DPM>
510
+ <DPM Name="Original Loan Amount" Type="DSM" Order="0" ProductType="4">87935</DPM>
511
+ <DPM Name="Perf Low LTV / High Risk Rank 7" Type="DSM" Order="0" ProductType="6">Did not qualify</DPM>
512
+ <DPM Name="Foreclosure REO Rank 15" Type="DSM" Order="0" ProductType="6">Insufficient Data</DPM>
513
+ <DPM Name="Recommended Charge Off Rank 16" Type="DSM" Order="0" ProductType="6">Did not qualify</DPM>
514
+ <DPM Name="Perf High LTV / High Risk Rank 9" Type="DSM" Order="0" ProductType="6">Did not qualify</DPM>
515
+ <DPM Name="Modification Rank 10" Type="DSM" Order="0" ProductType="6">Insufficient Data</DPM>
516
+ <DPM Name="Deed In Lieu Rank 13" Type="DSM" Order="0" ProductType="6">Insufficient Data</DPM>
517
+ <DPM Name="Lien Number Tmp" Type="DSM" Order="0" ProductType="4">1</DPM>
518
+ <DPM Name="Current BK Chapter Tmp" Type="DSM" Order="0" ProductType="6">BADDATA</DPM>
519
+ <DPM Name="Perf Low LTV Rank 6" Type="DSM" Order="0" ProductType="6">Qualifies</DPM>
520
+ <DPM Name="Current UPB" Type="DSM" Order="0" ProductType="4" />
521
+ <DPM Name="HAMP Prequal Rank 5" Type="DSM" Order="0" ProductType="6">Insufficient Data</DPM>
522
+ <DPM Name="Perf High LTV Rank 8" Type="DSM" Order="0" ProductType="6">Did not qualify</DPM>
523
+ <DPM Name="Decision" Type="DSM" Order="0" ProductType="6">Pass</DPM>
524
+ <DPM Name="Jumbo Conforming Rank 2" Type="DSM" Order="0" ProductType="6">Did not qualify</DPM>
525
+ <DPM Name="FHA-FHA Refinance Rank 3" Type="DSM" Order="0" ProductType="6">Qualifies</DPM>
526
+ <DPM Name="Currently Listed Tmp" Type="DSM" Order="0" ProductType="6">N</DPM>
527
+ <DPM Name="Short Sale Rank 14" Type="DSM" Order="0" ProductType="6">Did not qualify</DPM>
528
+ <DPM Name="Forbearance Rank 11" Type="DSM" Order="0" ProductType="6">Insufficient Data</DPM>
529
+ <DPM Name="Hope for Homeowners Rank 4" Type="DSM" Order="0" ProductType="6">Did not qualify</DPM>
530
+ <DPM Name="GSE Eligible Rank 1" Type="DSM" Order="0" ProductType="6">Qualifies</DPM>
531
+ <DPM Name="DTI Front End" Type="DPM" Order="0" ProductType="4" />
532
+ <DPM Name="Credit Drift" Type="DPM" Order="0" ProductType="4">52</DPM>
533
+ <DPM Name="Property State Abbrev" Type="DPM" Order="0" ProductType="6">All</DPM>
534
+ <DPM Name="Latest Representative Score" Type="DPM" Order="0" ProductType="4">738</DPM>
535
+ <DPM Name="No of Units" Type="DPM" Order="0" ProductType="4">1</DPM>
536
+ <DPM Name="LTV" Type="DPM" Order="0" ProductType="4">30.96</DPM>
537
+ <DPM Name="Current REO Flag" Type="DPM" Order="0" ProductType="6">No</DPM>
538
+ <DPM Name="Value Selected By System" Type="DPM" Order="0" ProductType="4">140000</DPM>
539
+ <DPM Name="DTI Back End" Type="DPM" Order="0" ProductType="4">36</DPM>
540
+ <DPM Name="Mortgage Owner" Type="DPM" Order="0" ProductType="6" />
541
+ <DPM Name="Bankruptcy Status" Type="DPM" Order="0" ProductType="6" />
542
+ <DPM Name="Current BK Chapter" Type="DPM" Order="0" ProductType="6">Not Applicable</DPM>
543
+ <DPM Name="Property Type" Type="DPM" Order="0" ProductType="6">SingleFamily</DPM>
544
+ <DPM Name="Note Date" Type="DPM" Order="0" ProductType="2">12/1/1994</DPM>
545
+ </DerivedParameters>
546
+ </Decision>
547
+
548
+
549
+ ******************************CalculateAppParam: Application InputXML*****************
550
+
551
+
552
+ <DECISION_REQUEST><APPLICATION ApplicationID="41277" OrganizationID="3" CreatedDate="04/20/2010" ModifiedDate="04/23/2010" Summary="Batch Upload Application" User="DGreene" SpouseIncludeFlag="N" SpouseQualFlag="N" JointFlag="N" UserID="6" UserName="Derick Greene" OrganizationName="Transaction Mgmt" ManualCredit="N" UserTypeId="" Source="Internal" ActName="Clayton" InBankruptcy="N" BackRatio="35.0000"><ORGANIZATION OrganizationID="3" APP_ORG_ID="3" UDFInt1="0" UDFInt2="0" UDFInt3="0" UDFInt4="0" UDFInt5="0" UDFStr1="" UDFStr2="" UDFStr3="" UDFStr4="" UDFStr5=""/><USER UserID="6" APP_USER_ID="6" IsSupervisor="1" UDFInt1="0" UDFInt2="0" UDFInt3="0" UDFInt4="0" UDFInt5="0" UDFStr1="" UDFStr2="" UDFStr3="" UDFStr4="" UDFStr5="" SubmittedUser="Derick Greene" SubmittedOrganization="Transaction Mgmt" SubmittedOrigin="Internal"/><APPLICATIONTEAM><APPLICATIONTEAM_USER FirstName="Derick" LastName="Greene" OrganizationName="Transaction Mgmt" OriginType="Internal" UserType="Originator" UserID="6" ATM_ID="38110"><APPLICATIONTEAM_USER_ORGANIZATION Address="" City="" Zip="" PhoneNumber="" ATM_USER_ID="6" OrganizationID="3"/></APPLICATIONTEAM_USER></APPLICATIONTEAM><APPLICANTS><APPLICANT BorrowerID="76272" IsPrimary="Y" Score="740" ForeignNationalIndicator="N" App1003ID="143" APA_1003_PRIMARY="1"><EMPLOYMENTS><EMPLOYMENT EmploymentID="152737" IsSelfEmployed="N" Type="Primary" EPM_ISRELATIVE_FLAG="0" Retired="0" W2="Y"/><EMPLOYMENT EmploymentID="154737" IsSelfEmployed="N" Type="Previous" EPM_ISRELATIVE_FLAG="0" Retired="0" W2="Y"/></EMPLOYMENTS><RESIDENCES><RESIDENCE ResidenceID="38214" IsPresent="Y" IsMailing="N"/></RESIDENCES></APPLICANT><APPLICANT BorrowerID="77272" IsPrimary="N" ForeignNationalIndicator="N" App1003ID="143" APA_1003_PRIMARY="0"><EMPLOYMENTS><EMPLOYMENT EmploymentID="153737" IsSelfEmployed="N" Type="Primary" EPM_ISRELATIVE_FLAG="0" Retired="0" W2="Y"/><EMPLOYMENT EmploymentID="155737" IsSelfEmployed="N" Type="Previous" EPM_ISRELATIVE_FLAG="0" Retired="0" W2="Y"/></EMPLOYMENTS></APPLICANT></APPLICANTS><ASSETS/><EXPENSES><EXPENSE ExpenseID="38124" IsCurrent="Y" Type="HomeownerAssociationDues" BorrowerID="76272" IsDiscretionary="N"><APPLICANTS><APPLICANT ApplicantIDREF="76272" IsPrimary="Y"/></APPLICANTS></EXPENSE></EXPENSES><PARAMETERS><PPM Name="Credit Drift" Value="166"/><PPM Name="Current BK Chapter UDF" Value="Not Applicable"/><PPM Name="Currently Listed UDF" Value="No"/><PPM Name="In REO UDF" Value="No"/><PPM Name="Lien Number UDF" Value="1"/><PPM Name="LTV" Value="34.42"/><PPM Name="ManualCredit" Value="Y"/></PARAMETERS><LOANS><LOAN LoanID="38110" Rate="7.6250" LienNumber="1" ComboFlag="N" LienType="1st" HighOverDueActivities="0" MediumOverDueActivities="0" LowOverDueActivities="0" LoanStage="Unknown" CurrentStage="00-New Casefile" OriginalLoanAmount="78988.0000" SellerLoanNumber="10000042" OpenConditionCount="0" OpenConditionPriorToProcessingCount="0" OpenConditionPriorToSubmissionCount="0" OpenConditionPriorToQualificationCount="0" OpenConditionPriorToTrialPeriodCount="0" OpenConditionPriorToLoanModificationCount="0" OpenConditionPriorToOversightCount="0" IOIndicator="N" NoteDate="05/01/1996" PayArrearagesAtOnceWithLiqAssets="N" PayArrearagesInInstmntWithLiqAssets="N" FNMAHomeSaverNote="N" CurrentlyInLoanMod="N" PreviousModifiedUnderHMP="N" BorrowerAgreesEscrowSetup="N" Approval="N" PriorLoanMod="N"><DEFAULT AbilityToResumeCurrentMtgPmt="N"/><INVESTOR/><SERVICER/><LISTINGAGENT/><AFTERMOD/><OTHERLOAN IOIndicator="N"/><OVERRIDES/></LOAN></LOANS><COLLATERALS><COLLATERAL CollID="38178" Units="1" RealEstateType="AttachedPUD" HomeOwnershipType="PrimaryResidence" LoanID="38110" NonWarrantableCondo="0" HomeOwnershipTypeID="1" HUDRepo="0" ModelHomeLeaseback="0" InheritedProperty="0" ValidAVM="N" ValidFlood="N" Occupied="N" Listed="N" Condition="Average" OccupancyStatus="BorrowerOccupied"><VALUATION AsIsValue="180000.0000"/><SHORTSALE/></COLLATERAL></COLLATERALS></APPLICATION></DECISION_REQUEST>
553
+
554
+
555
+ ****Product XML
556
+
557
+ <PRODUCTS><PRODUCT ProductID="1" Name="TM Stratification" Program="TM Stratification" ProgramDisplayName="TM Stratification" ProgramID="1" Rate="0.0000" MortgageTypeID="1" Duration="0" IsAssumable="0" IsBiWeekly="0" IsPrepayPenalty="0" IsChallenger="0" MaxLTV="200" MaxCLTV="200" MaxLoanAmount="99999999.0000" FirstRateAdjustmentCap="0" RateAdjustmentCap="0" RateLifetimeCap="0" RateMargin="0" RateIndex="0" RateFloor="0" PaymentAdjustment="0" PaymentAdjustmentCap="0" AmortizationType="Fixed" ProductType="Mortgage" MortgageType="ConventionalwithPMI" POSGuidelineId="1" GuidelineName="TM-Stratification Program Guideline" UWGuidelineID="1" UWGuidelineName="TM-Stratification Program Guideline" POSGuidelineName="TM-Stratification Program Guideline" AUSSource="CQDS" /></PRODUCTS>
558
+
559
+
560
+ PRIMARY PARAMETER VALUES
561
+ ******************************PRODUCT PARAMETERS *************************
562
+
563
+ <PARAMS><_DATA_SET _Name='BORROWER CURRENT FICO' _Value='740'/><_DATA_SET _Name='FORECLOSURE STATUS' _Value=''/><_DATA_SET _Name='PROGRAM NAME' _Value='TM Stratification'/><_DATA_SET _Name='IN REO UDF' _Value='No'/><_DATA_SET _Name='LOAN AMOUNT' _Value=''/><_DATA_SET _Name='LIEN NUMBER UDF' _Value='1'/><_DATA_SET _Name='MORTGAGE OWNER' _Value=''/><_DATA_SET _Name='PROPERTY CONDITION' _Value='Average'/><_DATA_SET _Name='LTV' _Value='34.42'/><_DATA_SET _Name='PROPERTY TYPE' _Value='AttachedPUD'/><_DATA_SET _Name='NO. OF UNITS' _Value='1'/><_DATA_SET _Name='STATE OF THE SUBJECT PROPERTY' _Value=''/><_DATA_SET _Name='FRONT RATIO' _Value=''/><_DATA_SET _Name='NOTE DATE' _Value='5/1/1996 12:00:00 AM'/><_DATA_SET _Name='CREDIT DRIFT' _Value='166'/><_DATA_SET _Name='ORIGINAL LOAN AMOUNT' _Value='78988'/><_DATA_SET _Name='PROPERTY VALUATION AS IS' _Value='180000'/><_DATA_SET _Name='BANKRUPTCY STATUS' _Value=''/><_DATA_SET _Name='OCCUPANCY' _Value='PrimaryResidence'/><_DATA_SET _Name='PROPERTY OCCUPANCY STATUS' _Value='BorrowerOccupied'/><_DATA_SET _Name='CURRENT BK CHAPTER UDF' _Value='Not Applicable'/><_DATA_SET _Name='LOAN TERM' _Value='0'/><_DATA_SET _Name='BACK RATIO' _Value='35'/><_DATA_SET _Name='IR' _Value='7.625'/><_DATA_SET _Name='CURRENTLY LISTED UDF' _Value='No'/></PARAMS>
564
+ ******************************Decisioned at 4/23/2010 9:35:59 AM***************
565
+
566
+ ****************************** Primary Parameters *****************************
567
+
568
+
569
+
570
+ ******************************Guideline*******************************************
571
+
572
+ <Guideline Id=1 Name= Version=0/>
573
+
574
+ <Rules />
575
+ <Decision GuidelineId="1" Rulecount="0" ExecutionTime="4/23/2010 9:35:59 AM" ExecutionResult="True">
576
+ <Messages>
577
+ <Message Type="Findings" RuleId="12220" RulesetId="2"><![CDATA[Jumbo Conforming Rank 2: Original Loan Amount of $78988 is less than $417000.]]></Message>
578
+ <Message Type="Findings" RuleId="12242" RulesetId="9"><![CDATA[Hope for Homeowners Rank 4: Origination Date should be on or after 1/01/2008.]]></Message>
579
+ <Message Type="Findings" RuleId="12178" RulesetId="11"><![CDATA[Perf Low LTV/High Risk Rank 7: Latest Representative Score of 740 is >= than 500.]]></Message>
580
+ <Message Type="Findings" RuleId="12183" RulesetId="11"><![CDATA[Perf Low LTV/High Risk Rank 7: Credit Drift is better than -75.]]></Message>
581
+ <Message Type="Findings" RuleId="12097" RulesetId="14"><![CDATA[Perf High LTV Rank 8: LTV of 34.42% is less than or equal to 100%.]]></Message>
582
+ <Message Type="Findings" RuleId="12090" RulesetId="13"><![CDATA[Perf High LTV/High Risk Rank 9: LTV of 34.42% is less than or equal to 100%.]]></Message>
583
+ <Message Type="Findings" RuleId="12091" RulesetId="13"><![CDATA[Perf High LTV/High Risk Rank 9: Latest Representative Score of 740 is >= than 500.]]></Message>
584
+ <Message Type="Findings" RuleId="12096" RulesetId="13"><![CDATA[Perf Low LTV/High Risk Rank 7: Credit Drift is better than -75.]]></Message>
585
+ <Message Type="Findings" RuleId="12211" RulesetId="17"><![CDATA[Repayment Rank 12: Current Interest Rate is greater than 7%.]]></Message>
586
+ <Message Type="Findings" RuleId="12188" RulesetId="19"><![CDATA[Deed In Lieu Rank 13: LTV of 34.42% is less than 130%]]></Message>
587
+ <Message Type="Findings" RuleId="12119" RulesetId="16"><![CDATA[Short Sale Rank 14: Property not listed for sale.]]></Message>
588
+ <Message Type="Findings" RuleId="12264" RulesetId="21"><![CDATA[Recommended Charge Off Rank 16: Loan Currently in Bankruptcy. (Current Chapter)]]></Message>
589
+ <Message Type="Findings" RuleId="12267" RulesetId="21"><![CDATA[Recommended Charge Off Rank 16: Value Selected by System is greater than $25000.]]></Message>
590
+ <Message Type="Findings" RuleId="12106" RulesetId="27"><![CDATA[Missing Data: Current Unpaid Balance.]]></Message>
591
+ <Message Type="Findings" RuleId="12115" RulesetId="27"><![CDATA[Missing Data: Current BK Chapter.]]></Message>
592
+ <Message Type="Findings" RuleId="12123" RulesetId="22"><![CDATA[Highest Ranked: GSE Eligible]]></Message>
593
+ </Messages>
594
+ <DerivedParameters>
595
+ <DPM Name="Repayment Rank 12" Type="DSM" Order="0" ProductType="6">Insufficient Data</DPM>
596
+ <DPM Name="Highest Ranked Program Loan Qualified For" Type="DSM" Order="0" ProductType="6">GSE Eligible</DPM>
597
+ <DPM Name="Original Loan Amount" Type="DSM" Order="0" ProductType="4">78988</DPM>
598
+ <DPM Name="Perf Low LTV / High Risk Rank 7" Type="DSM" Order="0" ProductType="6">Did not qualify</DPM>
599
+ <DPM Name="Foreclosure REO Rank 15" Type="DSM" Order="0" ProductType="6">Insufficient Data</DPM>
600
+ <DPM Name="Recommended Charge Off Rank 16" Type="DSM" Order="0" ProductType="6">Did not qualify</DPM>
601
+ <DPM Name="Perf High LTV / High Risk Rank 9" Type="DSM" Order="0" ProductType="6">Did not qualify</DPM>
602
+ <DPM Name="Modification Rank 10" Type="DSM" Order="0" ProductType="6">Insufficient Data</DPM>
603
+ <DPM Name="Deed In Lieu Rank 13" Type="DSM" Order="0" ProductType="6">Insufficient Data</DPM>
604
+ <DPM Name="Lien Number Tmp" Type="DSM" Order="0" ProductType="4">1</DPM>
605
+ <DPM Name="Current BK Chapter Tmp" Type="DSM" Order="0" ProductType="6">BADDATA</DPM>
606
+ <DPM Name="Perf Low LTV Rank 6" Type="DSM" Order="0" ProductType="6">Qualifies</DPM>
607
+ <DPM Name="Current UPB" Type="DSM" Order="0" ProductType="4" />
608
+ <DPM Name="HAMP Prequal Rank 5" Type="DSM" Order="0" ProductType="6">Insufficient Data</DPM>
609
+ <DPM Name="Perf High LTV Rank 8" Type="DSM" Order="0" ProductType="6">Did not qualify</DPM>
610
+ <DPM Name="Decision" Type="DSM" Order="0" ProductType="6">Pass</DPM>
611
+ <DPM Name="Jumbo Conforming Rank 2" Type="DSM" Order="0" ProductType="6">Did not qualify</DPM>
612
+ <DPM Name="FHA-FHA Refinance Rank 3" Type="DSM" Order="0" ProductType="6">Qualifies</DPM>
613
+ <DPM Name="Currently Listed Tmp" Type="DSM" Order="0" ProductType="6">N</DPM>
614
+ <DPM Name="Short Sale Rank 14" Type="DSM" Order="0" ProductType="6">Did not qualify</DPM>
615
+ <DPM Name="Forbearance Rank 11" Type="DSM" Order="0" ProductType="6">Insufficient Data</DPM>
616
+ <DPM Name="Hope for Homeowners Rank 4" Type="DSM" Order="0" ProductType="6">Did not qualify</DPM>
617
+ <DPM Name="GSE Eligible Rank 1" Type="DSM" Order="0" ProductType="6">Qualifies</DPM>
618
+ <DPM Name="DTI Front End" Type="DPM" Order="0" ProductType="4" />
619
+ <DPM Name="Credit Drift" Type="DPM" Order="0" ProductType="4">166</DPM>
620
+ <DPM Name="Property State Abbrev" Type="DPM" Order="0" ProductType="6">All</DPM>
621
+ <DPM Name="Latest Representative Score" Type="DPM" Order="0" ProductType="4">740</DPM>
622
+ <DPM Name="No of Units" Type="DPM" Order="0" ProductType="4">1</DPM>
623
+ <DPM Name="LTV" Type="DPM" Order="0" ProductType="4">34.42</DPM>
624
+ <DPM Name="Current REO Flag" Type="DPM" Order="0" ProductType="6">No</DPM>
625
+ <DPM Name="Value Selected By System" Type="DPM" Order="0" ProductType="4">180000</DPM>
626
+ <DPM Name="DTI Back End" Type="DPM" Order="0" ProductType="4">35</DPM>
627
+ <DPM Name="Mortgage Owner" Type="DPM" Order="0" ProductType="6" />
628
+ <DPM Name="Bankruptcy Status" Type="DPM" Order="0" ProductType="6" />
629
+ <DPM Name="Current BK Chapter" Type="DPM" Order="0" ProductType="6">Not Applicable</DPM>
630
+ <DPM Name="Property Type" Type="DPM" Order="0" ProductType="6">AttachedPUD</DPM>
631
+ <DPM Name="Note Date" Type="DPM" Order="0" ProductType="2">5/1/1996</DPM>
632
+ </DerivedParameters>
633
+ </Decision>
634
+
635
+
636
+ ******************************CalculateAppParam: Application InputXML*****************
637
+
638
+
639
+ <DECISION_REQUEST><APPLICATION ApplicationID="41280" OrganizationID="3" CreatedDate="04/20/2010" ModifiedDate="04/23/2010" Summary="Batch Upload Application" User="DGreene" SpouseIncludeFlag="N" SpouseQualFlag="N" JointFlag="N" UserID="6" UserName="Derick Greene" OrganizationName="Transaction Mgmt" ManualCredit="N" UserTypeId="" Source="Internal" ActName="Clayton" InBankruptcy="N" BackRatio="42.8000"><ORGANIZATION OrganizationID="3" APP_ORG_ID="3" UDFInt1="0" UDFInt2="0" UDFInt3="0" UDFInt4="0" UDFInt5="0" UDFStr1="" UDFStr2="" UDFStr3="" UDFStr4="" UDFStr5=""/><USER UserID="6" APP_USER_ID="6" IsSupervisor="1" UDFInt1="0" UDFInt2="0" UDFInt3="0" UDFInt4="0" UDFInt5="0" UDFStr1="" UDFStr2="" UDFStr3="" UDFStr4="" UDFStr5="" SubmittedUser="Derick Greene" SubmittedOrganization="Transaction Mgmt" SubmittedOrigin="Internal"/><APPLICATIONTEAM><APPLICATIONTEAM_USER FirstName="Derick" LastName="Greene" OrganizationName="Transaction Mgmt" OriginType="Internal" UserType="Originator" UserID="6" ATM_ID="38113"><APPLICATIONTEAM_USER_ORGANIZATION Address="" City="" Zip="" PhoneNumber="" ATM_USER_ID="6" OrganizationID="3"/></APPLICATIONTEAM_USER></APPLICATIONTEAM><APPLICANTS><APPLICANT BorrowerID="77275" IsPrimary="N" ForeignNationalIndicator="N" App1003ID="143" APA_1003_PRIMARY="0"><EMPLOYMENTS><EMPLOYMENT EmploymentID="153740" IsSelfEmployed="N" Type="Primary" EPM_ISRELATIVE_FLAG="0" Retired="0" W2="Y"/><EMPLOYMENT EmploymentID="155740" IsSelfEmployed="N" Type="Previous" EPM_ISRELATIVE_FLAG="0" Retired="0" W2="Y"/></EMPLOYMENTS></APPLICANT><APPLICANT BorrowerID="76275" IsPrimary="Y" Score="776" ForeignNationalIndicator="N" App1003ID="143" APA_1003_PRIMARY="1"><EMPLOYMENTS><EMPLOYMENT EmploymentID="152740" IsSelfEmployed="N" Type="Primary" EPM_ISRELATIVE_FLAG="0" Retired="0" W2="Y"/><EMPLOYMENT EmploymentID="154740" IsSelfEmployed="N" Type="Previous" EPM_ISRELATIVE_FLAG="0" Retired="0" W2="Y"/></EMPLOYMENTS><RESIDENCES><RESIDENCE ResidenceID="38217" IsPresent="Y" IsMailing="N"/></RESIDENCES></APPLICANT></APPLICANTS><ASSETS/><EXPENSES><EXPENSE ExpenseID="38127" IsCurrent="Y" Type="HomeownerAssociationDues" BorrowerID="76275" IsDiscretionary="N"><APPLICANTS><APPLICANT ApplicantIDREF="76275" IsPrimary="Y"/></APPLICANTS></EXPENSE></EXPENSES><PARAMETERS><PPM Name="Credit Drift" Value="85"/><PPM Name="Current BK Chapter UDF" Value="Not Applicable"/><PPM Name="Currently Listed UDF" Value="No"/><PPM Name="In REO UDF" Value="No"/><PPM Name="Lien Number UDF" Value="1"/><PPM Name="LTV" Value="70.46"/><PPM Name="ManualCredit" Value="Y"/></PARAMETERS><LOANS><LOAN LoanID="38113" Rate="6.0000" LienNumber="1" ComboFlag="N" LienType="1st" HighOverDueActivities="0" MediumOverDueActivities="0" LowOverDueActivities="0" LoanStage="Unknown" CurrentStage="00-New Casefile" OriginalLoanAmount="37466.0000" SellerLoanNumber="10000045" OpenConditionCount="0" OpenConditionPriorToProcessingCount="0" OpenConditionPriorToSubmissionCount="0" OpenConditionPriorToQualificationCount="0" OpenConditionPriorToTrialPeriodCount="0" OpenConditionPriorToLoanModificationCount="0" OpenConditionPriorToOversightCount="0" IOIndicator="N" NoteDate="10/01/1993" PayArrearagesAtOnceWithLiqAssets="N" PayArrearagesInInstmntWithLiqAssets="N" FNMAHomeSaverNote="N" CurrentlyInLoanMod="N" PreviousModifiedUnderHMP="N" BorrowerAgreesEscrowSetup="N" Approval="N" PriorLoanMod="N"><DEFAULT AbilityToResumeCurrentMtgPmt="N"/><INVESTOR/><SERVICER/><LISTINGAGENT/><AFTERMOD/><OTHERLOAN IOIndicator="N"/><OVERRIDES/></LOAN></LOANS><COLLATERALS><COLLATERAL CollID="38181" Units="1" RealEstateType="SingleFamily" HomeOwnershipType="PrimaryResidence" LoanID="38113" NonWarrantableCondo="0" HomeOwnershipTypeID="1" HUDRepo="0" ModelHomeLeaseback="0" InheritedProperty="0" ValidAVM="N" ValidFlood="N" Occupied="N" Listed="N" Condition="Good" OccupancyStatus="BorrowerOccupied"><VALUATION AsIsValue="40000.0000"/><SHORTSALE/></COLLATERAL></COLLATERALS></APPLICATION></DECISION_REQUEST>
640
+
641
+
642
+ ****Product XML
643
+
644
+ <PRODUCTS><PRODUCT ProductID="1" Name="TM Stratification" Program="TM Stratification" ProgramDisplayName="TM Stratification" ProgramID="1" Rate="0.0000" MortgageTypeID="1" Duration="0" IsAssumable="0" IsBiWeekly="0" IsPrepayPenalty="0" IsChallenger="0" MaxLTV="200" MaxCLTV="200" MaxLoanAmount="99999999.0000" FirstRateAdjustmentCap="0" RateAdjustmentCap="0" RateLifetimeCap="0" RateMargin="0" RateIndex="0" RateFloor="0" PaymentAdjustment="0" PaymentAdjustmentCap="0" AmortizationType="Fixed" ProductType="Mortgage" MortgageType="ConventionalwithPMI" POSGuidelineId="1" GuidelineName="TM-Stratification Program Guideline" UWGuidelineID="1" UWGuidelineName="TM-Stratification Program Guideline" POSGuidelineName="TM-Stratification Program Guideline" AUSSource="CQDS" /></PRODUCTS>
645
+
646
+
647
+ PRIMARY PARAMETER VALUES
648
+ ******************************PRODUCT PARAMETERS *************************
649
+
650
+ <PARAMS><_DATA_SET _Name='BORROWER CURRENT FICO' _Value='776'/><_DATA_SET _Name='FORECLOSURE STATUS' _Value=''/><_DATA_SET _Name='PROGRAM NAME' _Value='TM Stratification'/><_DATA_SET _Name='IN REO UDF' _Value='No'/><_DATA_SET _Name='LOAN AMOUNT' _Value=''/><_DATA_SET _Name='LIEN NUMBER UDF' _Value='1'/><_DATA_SET _Name='MORTGAGE OWNER' _Value=''/><_DATA_SET _Name='PROPERTY CONDITION' _Value='Good'/><_DATA_SET _Name='LTV' _Value='70.46'/><_DATA_SET _Name='PROPERTY TYPE' _Value='SingleFamily'/><_DATA_SET _Name='NO. OF UNITS' _Value='1'/><_DATA_SET _Name='STATE OF THE SUBJECT PROPERTY' _Value=''/><_DATA_SET _Name='FRONT RATIO' _Value=''/><_DATA_SET _Name='NOTE DATE' _Value='10/1/1993 12:00:00 AM'/><_DATA_SET _Name='CREDIT DRIFT' _Value='85'/><_DATA_SET _Name='ORIGINAL LOAN AMOUNT' _Value='37466'/><_DATA_SET _Name='PROPERTY VALUATION AS IS' _Value='40000'/><_DATA_SET _Name='BANKRUPTCY STATUS' _Value=''/><_DATA_SET _Name='OCCUPANCY' _Value='PrimaryResidence'/><_DATA_SET _Name='PROPERTY OCCUPANCY STATUS' _Value='BorrowerOccupied'/><_DATA_SET _Name='CURRENT BK CHAPTER UDF' _Value='Not Applicable'/><_DATA_SET _Name='LOAN TERM' _Value='0'/><_DATA_SET _Name='BACK RATIO' _Value='42.8'/><_DATA_SET _Name='IR' _Value='6'/><_DATA_SET _Name='CURRENTLY LISTED UDF' _Value='No'/></PARAMS>
651
+ ******************************Decisioned at 4/23/2010 9:36:00 AM***************
652
+
653
+ ****************************** Primary Parameters *****************************
654
+
655
+
656
+
657
+ ******************************Guideline*******************************************
658
+
659
+ <Guideline Id=1 Name= Version=0/>
660
+
661
+ <Rules />
662
+ <Decision GuidelineId="1" Rulecount="0" ExecutionTime="4/23/2010 9:36:00 AM" ExecutionResult="True">
663
+ <Messages>
664
+ <Message Type="Findings" RuleId="12220" RulesetId="2"><![CDATA[Jumbo Conforming Rank 2: Original Loan Amount of $37466 is less than $417000.]]></Message>
665
+ <Message Type="Findings" RuleId="12242" RulesetId="9"><![CDATA[Hope for Homeowners Rank 4: Origination Date should be on or after 1/01/2008.]]></Message>
666
+ <Message Type="Findings" RuleId="12178" RulesetId="11"><![CDATA[Perf Low LTV/High Risk Rank 7: Latest Representative Score of 776 is >= than 500.]]></Message>
667
+ <Message Type="Findings" RuleId="12183" RulesetId="11"><![CDATA[Perf Low LTV/High Risk Rank 7: Credit Drift is better than -75.]]></Message>
668
+ <Message Type="Findings" RuleId="12097" RulesetId="14"><![CDATA[Perf High LTV Rank 8: LTV of 70.46% is less than or equal to 100%.]]></Message>
669
+ <Message Type="Findings" RuleId="12090" RulesetId="13"><![CDATA[Perf High LTV/High Risk Rank 9: LTV of 70.46% is less than or equal to 100%.]]></Message>
670
+ <Message Type="Findings" RuleId="12091" RulesetId="13"><![CDATA[Perf High LTV/High Risk Rank 9: Latest Representative Score of 776 is >= than 500.]]></Message>
671
+ <Message Type="Findings" RuleId="12096" RulesetId="13"><![CDATA[Perf Low LTV/High Risk Rank 7: Credit Drift is better than -75.]]></Message>
672
+ <Message Type="Findings" RuleId="12254" RulesetId="15"><![CDATA[Modification Rank 10: Current Interest Rate is less than 7.1%.]]></Message>
673
+ <Message Type="Findings" RuleId="12188" RulesetId="19"><![CDATA[Deed In Lieu Rank 13: LTV of 70.46% is less than 130%]]></Message>
674
+ <Message Type="Findings" RuleId="12119" RulesetId="16"><![CDATA[Short Sale Rank 14: Property not listed for sale.]]></Message>
675
+ <Message Type="Findings" RuleId="12264" RulesetId="21"><![CDATA[Recommended Charge Off Rank 16: Loan Currently in Bankruptcy. (Current Chapter)]]></Message>
676
+ <Message Type="Findings" RuleId="12267" RulesetId="21"><![CDATA[Recommended Charge Off Rank 16: Value Selected by System is greater than $25000.]]></Message>
677
+ <Message Type="Findings" RuleId="12106" RulesetId="27"><![CDATA[Missing Data: Current Unpaid Balance.]]></Message>
678
+ <Message Type="Findings" RuleId="12115" RulesetId="27"><![CDATA[Missing Data: Current BK Chapter.]]></Message>
679
+ <Message Type="Findings" RuleId="12123" RulesetId="22"><![CDATA[Highest Ranked: GSE Eligible]]></Message>
680
+ </Messages>
681
+ <DerivedParameters>
682
+ <DPM Name="Repayment Rank 12" Type="DSM" Order="0" ProductType="6">Insufficient Data</DPM>
683
+ <DPM Name="Highest Ranked Program Loan Qualified For" Type="DSM" Order="0" ProductType="6">GSE Eligible</DPM>
684
+ <DPM Name="Original Loan Amount" Type="DSM" Order="0" ProductType="4">37466</DPM>
685
+ <DPM Name="Perf Low LTV / High Risk Rank 7" Type="DSM" Order="0" ProductType="6">Did not qualify</DPM>
686
+ <DPM Name="Foreclosure REO Rank 15" Type="DSM" Order="0" ProductType="6">Insufficient Data</DPM>
687
+ <DPM Name="Recommended Charge Off Rank 16" Type="DSM" Order="0" ProductType="6">Did not qualify</DPM>
688
+ <DPM Name="Perf High LTV / High Risk Rank 9" Type="DSM" Order="0" ProductType="6">Did not qualify</DPM>
689
+ <DPM Name="Modification Rank 10" Type="DSM" Order="0" ProductType="6">Insufficient Data</DPM>
690
+ <DPM Name="Deed In Lieu Rank 13" Type="DSM" Order="0" ProductType="6">Insufficient Data</DPM>
691
+ <DPM Name="Lien Number Tmp" Type="DSM" Order="0" ProductType="4">1</DPM>
692
+ <DPM Name="Current BK Chapter Tmp" Type="DSM" Order="0" ProductType="6">BADDATA</DPM>
693
+ <DPM Name="Perf Low LTV Rank 6" Type="DSM" Order="0" ProductType="6">Qualifies</DPM>
694
+ <DPM Name="Current UPB" Type="DSM" Order="0" ProductType="4" />
695
+ <DPM Name="HAMP Prequal Rank 5" Type="DSM" Order="0" ProductType="6">Insufficient Data</DPM>
696
+ <DPM Name="Perf High LTV Rank 8" Type="DSM" Order="0" ProductType="6">Did not qualify</DPM>
697
+ <DPM Name="Decision" Type="DSM" Order="0" ProductType="6">Pass</DPM>
698
+ <DPM Name="Jumbo Conforming Rank 2" Type="DSM" Order="0" ProductType="6">Did not qualify</DPM>
699
+ <DPM Name="FHA-FHA Refinance Rank 3" Type="DSM" Order="0" ProductType="6">Qualifies</DPM>
700
+ <DPM Name="Currently Listed Tmp" Type="DSM" Order="0" ProductType="6">N</DPM>
701
+ <DPM Name="Short Sale Rank 14" Type="DSM" Order="0" ProductType="6">Did not qualify</DPM>
702
+ <DPM Name="Forbearance Rank 11" Type="DSM" Order="0" ProductType="6">Insufficient Data</DPM>
703
+ <DPM Name="Hope for Homeowners Rank 4" Type="DSM" Order="0" ProductType="6">Did not qualify</DPM>
704
+ <DPM Name="GSE Eligible Rank 1" Type="DSM" Order="0" ProductType="6">Qualifies</DPM>
705
+ <DPM Name="DTI Front End" Type="DPM" Order="0" ProductType="4" />
706
+ <DPM Name="Credit Drift" Type="DPM" Order="0" ProductType="4">85</DPM>
707
+ <DPM Name="Property State Abbrev" Type="DPM" Order="0" ProductType="6">All</DPM>
708
+ <DPM Name="Latest Representative Score" Type="DPM" Order="0" ProductType="4">776</DPM>
709
+ <DPM Name="No of Units" Type="DPM" Order="0" ProductType="4">1</DPM>
710
+ <DPM Name="LTV" Type="DPM" Order="0" ProductType="4">70.46</DPM>
711
+ <DPM Name="Current REO Flag" Type="DPM" Order="0" ProductType="6">No</DPM>
712
+ <DPM Name="Value Selected By System" Type="DPM" Order="0" ProductType="4">40000</DPM>
713
+ <DPM Name="DTI Back End" Type="DPM" Order="0" ProductType="4">42.8</DPM>
714
+ <DPM Name="Mortgage Owner" Type="DPM" Order="0" ProductType="6" />
715
+ <DPM Name="Bankruptcy Status" Type="DPM" Order="0" ProductType="6" />
716
+ <DPM Name="Current BK Chapter" Type="DPM" Order="0" ProductType="6">Not Applicable</DPM>
717
+ <DPM Name="Property Type" Type="DPM" Order="0" ProductType="6">SingleFamily</DPM>
718
+ <DPM Name="Note Date" Type="DPM" Order="0" ProductType="2">10/1/1993</DPM>
719
+ </DerivedParameters>
720
+ </Decision>
721
+
722
+
723
+ ******************************CalculateAppParam: Application InputXML*****************
724
+
725
+
726
+ <DECISION_REQUEST><APPLICATION ApplicationID="41282" OrganizationID="3" CreatedDate="04/20/2010" ModifiedDate="04/23/2010" Summary="Batch Upload Application" User="DGreene" SpouseIncludeFlag="N" SpouseQualFlag="N" JointFlag="N" UserID="6" UserName="Derick Greene" OrganizationName="Transaction Mgmt" ManualCredit="N" UserTypeId="" Source="Internal" ActName="Clayton" InBankruptcy="N" BackRatio="30.7000"><ORGANIZATION OrganizationID="3" APP_ORG_ID="3" UDFInt1="0" UDFInt2="0" UDFInt3="0" UDFInt4="0" UDFInt5="0" UDFStr1="" UDFStr2="" UDFStr3="" UDFStr4="" UDFStr5=""/><USER UserID="6" APP_USER_ID="6" IsSupervisor="1" UDFInt1="0" UDFInt2="0" UDFInt3="0" UDFInt4="0" UDFInt5="0" UDFStr1="" UDFStr2="" UDFStr3="" UDFStr4="" UDFStr5="" SubmittedUser="Derick Greene" SubmittedOrganization="Transaction Mgmt" SubmittedOrigin="Internal"/><APPLICATIONTEAM><APPLICATIONTEAM_USER FirstName="Derick" LastName="Greene" OrganizationName="Transaction Mgmt" OriginType="Internal" UserType="Originator" UserID="6" ATM_ID="38115"><APPLICATIONTEAM_USER_ORGANIZATION Address="" City="" Zip="" PhoneNumber="" ATM_USER_ID="6" OrganizationID="3"/></APPLICATIONTEAM_USER></APPLICATIONTEAM><APPLICANTS><APPLICANT BorrowerID="76277" IsPrimary="Y" Score="608" ForeignNationalIndicator="N" App1003ID="143" APA_1003_PRIMARY="1"><EMPLOYMENTS><EMPLOYMENT EmploymentID="152920" IsSelfEmployed="N" Type="Primary" EPM_ISRELATIVE_FLAG="0" Retired="0" W2="Y"/><EMPLOYMENT EmploymentID="154816" IsSelfEmployed="N" Type="Previous" EPM_ISRELATIVE_FLAG="0" Retired="0" W2="Y"/></EMPLOYMENTS><RESIDENCES><RESIDENCE ResidenceID="38381" IsPresent="Y" IsMailing="N"/></RESIDENCES></APPLICANT><APPLICANT BorrowerID="77277" IsPrimary="N" ForeignNationalIndicator="N" App1003ID="143" APA_1003_PRIMARY="0"><EMPLOYMENTS><EMPLOYMENT EmploymentID="153920" IsSelfEmployed="N" Type="Primary" EPM_ISRELATIVE_FLAG="0" Retired="0" W2="Y"/><EMPLOYMENT EmploymentID="155816" IsSelfEmployed="N" Type="Previous" EPM_ISRELATIVE_FLAG="0" Retired="0" W2="Y"/></EMPLOYMENTS></APPLICANT></APPLICANTS><ASSETS/><EXPENSES><EXPENSE ExpenseID="38129" IsCurrent="Y" Type="HomeownerAssociationDues" BorrowerID="76277" IsDiscretionary="N"><APPLICANTS><APPLICANT ApplicantIDREF="76277" IsPrimary="Y"/></APPLICANTS></EXPENSE></EXPENSES><PARAMETERS><PPM Name="Credit Drift" Value="-20"/><PPM Name="Current BK Chapter UDF" Value="Not Applicable"/><PPM Name="Currently Listed UDF" Value="No"/><PPM Name="In REO UDF" Value="No"/><PPM Name="Lien Number UDF" Value="1"/><PPM Name="LTV" Value="30.97"/><PPM Name="ManualCredit" Value="Y"/></PARAMETERS><LOANS><LOAN LoanID="38115" Rate="6.1250" LienNumber="1" ComboFlag="N" LienType="1st" HighOverDueActivities="0" MediumOverDueActivities="0" LowOverDueActivities="0" LoanStage="Unknown" CurrentStage="00-New Casefile" OriginalLoanAmount="150862.0000" SellerLoanNumber="10000047" OpenConditionCount="0" OpenConditionPriorToProcessingCount="0" OpenConditionPriorToSubmissionCount="0" OpenConditionPriorToQualificationCount="0" OpenConditionPriorToTrialPeriodCount="0" OpenConditionPriorToLoanModificationCount="0" OpenConditionPriorToOversightCount="0" IOIndicator="N" NoteDate="05/01/1993" PayArrearagesAtOnceWithLiqAssets="N" PayArrearagesInInstmntWithLiqAssets="N" FNMAHomeSaverNote="N" CurrentlyInLoanMod="N" PreviousModifiedUnderHMP="N" BorrowerAgreesEscrowSetup="N" Approval="N" PriorLoanMod="N"><DEFAULT AbilityToResumeCurrentMtgPmt="N"/><INVESTOR/><SERVICER/><LISTINGAGENT/><AFTERMOD/><OTHERLOAN IOIndicator="N"/><OVERRIDES/></LOAN></LOANS><COLLATERALS><COLLATERAL CollID="38183" Units="1" RealEstateType="SingleFamily" HomeOwnershipType="PrimaryResidence" LoanID="38115" NonWarrantableCondo="0" HomeOwnershipTypeID="1" HUDRepo="0" ModelHomeLeaseback="0" InheritedProperty="0" ValidAVM="N" ValidFlood="N" Occupied="N" Listed="N" Condition="New" OccupancyStatus="BorrowerOccupied"><VALUATION AsIsValue="350000.0000"/><SHORTSALE/></COLLATERAL></COLLATERALS></APPLICATION></DECISION_REQUEST>
727
+
728
+
729
+ ****Product XML
730
+
731
+ <PRODUCTS><PRODUCT ProductID="1" Name="TM Stratification" Program="TM Stratification" ProgramDisplayName="TM Stratification" ProgramID="1" Rate="0.0000" MortgageTypeID="1" Duration="0" IsAssumable="0" IsBiWeekly="0" IsPrepayPenalty="0" IsChallenger="0" MaxLTV="200" MaxCLTV="200" MaxLoanAmount="99999999.0000" FirstRateAdjustmentCap="0" RateAdjustmentCap="0" RateLifetimeCap="0" RateMargin="0" RateIndex="0" RateFloor="0" PaymentAdjustment="0" PaymentAdjustmentCap="0" AmortizationType="Fixed" ProductType="Mortgage" MortgageType="ConventionalwithPMI" POSGuidelineId="1" GuidelineName="TM-Stratification Program Guideline" UWGuidelineID="1" UWGuidelineName="TM-Stratification Program Guideline" POSGuidelineName="TM-Stratification Program Guideline" AUSSource="CQDS" /></PRODUCTS>
732
+
733
+
734
+ PRIMARY PARAMETER VALUES
735
+ ******************************PRODUCT PARAMETERS *************************
736
+
737
+ <PARAMS><_DATA_SET _Name='BORROWER CURRENT FICO' _Value='608'/><_DATA_SET _Name='FORECLOSURE STATUS' _Value=''/><_DATA_SET _Name='PROGRAM NAME' _Value='TM Stratification'/><_DATA_SET _Name='IN REO UDF' _Value='No'/><_DATA_SET _Name='LOAN AMOUNT' _Value=''/><_DATA_SET _Name='LIEN NUMBER UDF' _Value='1'/><_DATA_SET _Name='MORTGAGE OWNER' _Value=''/><_DATA_SET _Name='PROPERTY CONDITION' _Value='New'/><_DATA_SET _Name='LTV' _Value='30.97'/><_DATA_SET _Name='PROPERTY TYPE' _Value='SingleFamily'/><_DATA_SET _Name='NO. OF UNITS' _Value='1'/><_DATA_SET _Name='STATE OF THE SUBJECT PROPERTY' _Value=''/><_DATA_SET _Name='FRONT RATIO' _Value=''/><_DATA_SET _Name='NOTE DATE' _Value='5/1/1993 12:00:00 AM'/><_DATA_SET _Name='CREDIT DRIFT' _Value='-20'/><_DATA_SET _Name='ORIGINAL LOAN AMOUNT' _Value='150862'/><_DATA_SET _Name='PROPERTY VALUATION AS IS' _Value='350000'/><_DATA_SET _Name='BANKRUPTCY STATUS' _Value=''/><_DATA_SET _Name='OCCUPANCY' _Value='PrimaryResidence'/><_DATA_SET _Name='PROPERTY OCCUPANCY STATUS' _Value='BorrowerOccupied'/><_DATA_SET _Name='CURRENT BK CHAPTER UDF' _Value='Not Applicable'/><_DATA_SET _Name='LOAN TERM' _Value='0'/><_DATA_SET _Name='BACK RATIO' _Value='30.7'/><_DATA_SET _Name='IR' _Value='6.125'/><_DATA_SET _Name='CURRENTLY LISTED UDF' _Value='No'/></PARAMS>
738
+ ******************************Decisioned at 4/23/2010 9:36:01 AM***************
739
+
740
+ ****************************** Primary Parameters *****************************
741
+
742
+
743
+
744
+ ******************************Guideline*******************************************
745
+
746
+ <Guideline Id=1 Name= Version=0/>
747
+
748
+ <Rules />
749
+ <Decision GuidelineId="1" Rulecount="0" ExecutionTime="4/23/2010 9:36:01 AM" ExecutionResult="True">
750
+ <Messages>
751
+ <Message Type="Findings" RuleId="12158" RulesetId="6"><![CDATA[GSE Eligible Rank 1: Latest Representative Score of 608 is less than 660.]]></Message>
752
+ <Message Type="Findings" RuleId="12220" RulesetId="2"><![CDATA[Jumbo Conforming Rank 2: Original Loan Amount of $150862 is less than $417000.]]></Message>
753
+ <Message Type="Findings" RuleId="12229" RulesetId="2"><![CDATA[Jumbo Conforming Rank 2: Latest Representative Score of 608 is less than 699 required for Owner Occupied properties with LTV of 30.97%. ]]></Message>
754
+ <Message Type="Findings" RuleId="12230" RulesetId="2"><![CDATA[Jumbo Conforming Rank 2: Latest Representative Score of 608 is less than 700 required for Owner Occupied properties with LTV of 30.97%. ]]></Message>
755
+ <Message Type="Findings" RuleId="12242" RulesetId="9"><![CDATA[Hope for Homeowners Rank 4: Origination Date should be on or after 1/01/2008.]]></Message>
756
+ <Message Type="Findings" RuleId="12178" RulesetId="11"><![CDATA[Perf Low LTV/High Risk Rank 7: Latest Representative Score of 608 is >= than 500.]]></Message>
757
+ <Message Type="Findings" RuleId="12183" RulesetId="11"><![CDATA[Perf Low LTV/High Risk Rank 7: Credit Drift is better than -75.]]></Message>
758
+ <Message Type="Findings" RuleId="12097" RulesetId="14"><![CDATA[Perf High LTV Rank 8: LTV of 30.97% is less than or equal to 100%.]]></Message>
759
+ <Message Type="Findings" RuleId="12090" RulesetId="13"><![CDATA[Perf High LTV/High Risk Rank 9: LTV of 30.97% is less than or equal to 100%.]]></Message>
760
+ <Message Type="Findings" RuleId="12091" RulesetId="13"><![CDATA[Perf High LTV/High Risk Rank 9: Latest Representative Score of 608 is >= than 500.]]></Message>
761
+ <Message Type="Findings" RuleId="12096" RulesetId="13"><![CDATA[Perf Low LTV/High Risk Rank 7: Credit Drift is better than -75.]]></Message>
762
+ <Message Type="Findings" RuleId="12254" RulesetId="15"><![CDATA[Modification Rank 10: Current Interest Rate is less than 7.1%.]]></Message>
763
+ <Message Type="Findings" RuleId="12188" RulesetId="19"><![CDATA[Deed In Lieu Rank 13: LTV of 30.97% is less than 130%]]></Message>
764
+ <Message Type="Findings" RuleId="12119" RulesetId="16"><![CDATA[Short Sale Rank 14: Property not listed for sale.]]></Message>
765
+ <Message Type="Findings" RuleId="12264" RulesetId="21"><![CDATA[Recommended Charge Off Rank 16: Loan Currently in Bankruptcy. (Current Chapter)]]></Message>
766
+ <Message Type="Findings" RuleId="12267" RulesetId="21"><![CDATA[Recommended Charge Off Rank 16: Value Selected by System is greater than $25000.]]></Message>
767
+ <Message Type="Findings" RuleId="12106" RulesetId="27"><![CDATA[Missing Data: Current Unpaid Balance.]]></Message>
768
+ <Message Type="Findings" RuleId="12115" RulesetId="27"><![CDATA[Missing Data: Current BK Chapter.]]></Message>
769
+ <Message Type="Findings" RuleId="12125" RulesetId="22"><![CDATA[Highest Ranked: FHA-FHA Refinance]]></Message>
770
+ </Messages>
771
+ <DerivedParameters>
772
+ <DPM Name="Repayment Rank 12" Type="DSM" Order="0" ProductType="6">Insufficient Data</DPM>
773
+ <DPM Name="Highest Ranked Program Loan Qualified For" Type="DSM" Order="0" ProductType="6">FHA-FHA Refinance</DPM>
774
+ <DPM Name="Original Loan Amount" Type="DSM" Order="0" ProductType="4">150862</DPM>
775
+ <DPM Name="Perf Low LTV / High Risk Rank 7" Type="DSM" Order="0" ProductType="6">Did not qualify</DPM>
776
+ <DPM Name="Foreclosure REO Rank 15" Type="DSM" Order="0" ProductType="6">Insufficient Data</DPM>
777
+ <DPM Name="Recommended Charge Off Rank 16" Type="DSM" Order="0" ProductType="6">Did not qualify</DPM>
778
+ <DPM Name="Perf High LTV / High Risk Rank 9" Type="DSM" Order="0" ProductType="6">Did not qualify</DPM>
779
+ <DPM Name="Modification Rank 10" Type="DSM" Order="0" ProductType="6">Insufficient Data</DPM>
780
+ <DPM Name="Deed In Lieu Rank 13" Type="DSM" Order="0" ProductType="6">Insufficient Data</DPM>
781
+ <DPM Name="Lien Number Tmp" Type="DSM" Order="0" ProductType="4">1</DPM>
782
+ <DPM Name="Current BK Chapter Tmp" Type="DSM" Order="0" ProductType="6">BADDATA</DPM>
783
+ <DPM Name="Perf Low LTV Rank 6" Type="DSM" Order="0" ProductType="6">Qualifies</DPM>
784
+ <DPM Name="Current UPB" Type="DSM" Order="0" ProductType="4" />
785
+ <DPM Name="HAMP Prequal Rank 5" Type="DSM" Order="0" ProductType="6">Insufficient Data</DPM>
786
+ <DPM Name="Perf High LTV Rank 8" Type="DSM" Order="0" ProductType="6">Did not qualify</DPM>
787
+ <DPM Name="Decision" Type="DSM" Order="0" ProductType="6">Pass</DPM>
788
+ <DPM Name="Jumbo Conforming Rank 2" Type="DSM" Order="0" ProductType="6">Did not qualify</DPM>
789
+ <DPM Name="FHA-FHA Refinance Rank 3" Type="DSM" Order="0" ProductType="6">Qualifies</DPM>
790
+ <DPM Name="Currently Listed Tmp" Type="DSM" Order="0" ProductType="6">N</DPM>
791
+ <DPM Name="Short Sale Rank 14" Type="DSM" Order="0" ProductType="6">Did not qualify</DPM>
792
+ <DPM Name="Forbearance Rank 11" Type="DSM" Order="0" ProductType="6">Insufficient Data</DPM>
793
+ <DPM Name="Hope for Homeowners Rank 4" Type="DSM" Order="0" ProductType="6">Did not qualify</DPM>
794
+ <DPM Name="GSE Eligible Rank 1" Type="DSM" Order="0" ProductType="6">Did not qualify</DPM>
795
+ <DPM Name="DTI Front End" Type="DPM" Order="0" ProductType="4" />
796
+ <DPM Name="Credit Drift" Type="DPM" Order="0" ProductType="4">-20</DPM>
797
+ <DPM Name="Property State Abbrev" Type="DPM" Order="0" ProductType="6">All</DPM>
798
+ <DPM Name="Latest Representative Score" Type="DPM" Order="0" ProductType="4">608</DPM>
799
+ <DPM Name="No of Units" Type="DPM" Order="0" ProductType="4">1</DPM>
800
+ <DPM Name="LTV" Type="DPM" Order="0" ProductType="4">30.97</DPM>
801
+ <DPM Name="Current REO Flag" Type="DPM" Order="0" ProductType="6">No</DPM>
802
+ <DPM Name="Value Selected By System" Type="DPM" Order="0" ProductType="4">350000</DPM>
803
+ <DPM Name="DTI Back End" Type="DPM" Order="0" ProductType="4">30.7</DPM>
804
+ <DPM Name="Mortgage Owner" Type="DPM" Order="0" ProductType="6" />
805
+ <DPM Name="Bankruptcy Status" Type="DPM" Order="0" ProductType="6" />
806
+ <DPM Name="Current BK Chapter" Type="DPM" Order="0" ProductType="6">Not Applicable</DPM>
807
+ <DPM Name="Property Type" Type="DPM" Order="0" ProductType="6">SingleFamily</DPM>
808
+ <DPM Name="Note Date" Type="DPM" Order="0" ProductType="2">5/1/1993</DPM>
809
+ </DerivedParameters>
810
+ </Decision>
811
+
812
+
813
+ ******************************CalculateAppParam: Application InputXML*****************
814
+
815
+
816
+ <DECISION_REQUEST><APPLICATION ApplicationID="41283" OrganizationID="3" CreatedDate="04/20/2010" ModifiedDate="04/23/2010" Summary="Batch Upload Application" User="DGreene" SpouseIncludeFlag="N" SpouseQualFlag="N" JointFlag="N" UserID="6" UserName="Derick Greene" OrganizationName="Transaction Mgmt" ManualCredit="N" UserTypeId="" Source="Internal" ActName="Clayton" InBankruptcy="N" BackRatio="44.3000" BankruptcyStatus="PlanConfirmed"><ORGANIZATION OrganizationID="3" APP_ORG_ID="3" UDFInt1="0" UDFInt2="0" UDFInt3="0" UDFInt4="0" UDFInt5="0" UDFStr1="" UDFStr2="" UDFStr3="" UDFStr4="" UDFStr5=""/><USER UserID="6" APP_USER_ID="6" IsSupervisor="1" UDFInt1="0" UDFInt2="0" UDFInt3="0" UDFInt4="0" UDFInt5="0" UDFStr1="" UDFStr2="" UDFStr3="" UDFStr4="" UDFStr5="" SubmittedUser="Derick Greene" SubmittedOrganization="Transaction Mgmt" SubmittedOrigin="Internal"/><APPLICATIONTEAM><APPLICATIONTEAM_USER FirstName="Derick" LastName="Greene" OrganizationName="Transaction Mgmt" OriginType="Internal" UserType="Originator" UserID="6" ATM_ID="38116"><APPLICATIONTEAM_USER_ORGANIZATION Address="" City="" Zip="" PhoneNumber="" ATM_USER_ID="6" OrganizationID="3"/></APPLICATIONTEAM_USER></APPLICATIONTEAM><APPLICANTS><APPLICANT BorrowerID="77278" IsPrimary="N" ForeignNationalIndicator="N" App1003ID="143" APA_1003_PRIMARY="0"><EMPLOYMENTS><EMPLOYMENT EmploymentID="153921" IsSelfEmployed="N" Type="Primary" EPM_ISRELATIVE_FLAG="0" Retired="0" W2="Y"/><EMPLOYMENT EmploymentID="155817" IsSelfEmployed="N" Type="Previous" EPM_ISRELATIVE_FLAG="0" Retired="0" W2="Y"/></EMPLOYMENTS></APPLICANT><APPLICANT BorrowerID="76278" IsPrimary="Y" Score="706" ForeignNationalIndicator="N" App1003ID="143" APA_1003_PRIMARY="1"><EMPLOYMENTS><EMPLOYMENT EmploymentID="152921" IsSelfEmployed="N" Type="Primary" EPM_ISRELATIVE_FLAG="0" Retired="0" W2="Y"/><EMPLOYMENT EmploymentID="154817" IsSelfEmployed="N" Type="Previous" EPM_ISRELATIVE_FLAG="0" Retired="0" W2="Y"/></EMPLOYMENTS><RESIDENCES><RESIDENCE ResidenceID="38382" IsPresent="Y" IsMailing="N"/></RESIDENCES></APPLICANT></APPLICANTS><ASSETS/><EXPENSES><EXPENSE ExpenseID="38130" IsCurrent="Y" Type="HomeownerAssociationDues" BorrowerID="76278" IsDiscretionary="N"><APPLICANTS><APPLICANT ApplicantIDREF="76278" IsPrimary="Y"/></APPLICANTS></EXPENSE></EXPENSES><PARAMETERS><PPM Name="Credit Drift" Value="33"/><PPM Name="Current BK Chapter UDF" Value="Not Applicable"/><PPM Name="Currently Listed UDF" Value="No"/><PPM Name="In REO UDF" Value="No"/><PPM Name="Lien Number UDF" Value="1"/><PPM Name="LTV" Value="39.54"/><PPM Name="ManualCredit" Value="Y"/></PARAMETERS><LOANS><LOAN LoanID="38116" Rate="6.8750" LienNumber="1" ComboFlag="N" LienType="1st" HighOverDueActivities="0" MediumOverDueActivities="0" LowOverDueActivities="0" LoanStage="Unknown" CurrentStage="00-New Casefile" OriginalLoanAmount="66950.0000" SellerLoanNumber="10000048" OpenConditionCount="0" OpenConditionPriorToProcessingCount="0" OpenConditionPriorToSubmissionCount="0" OpenConditionPriorToQualificationCount="0" OpenConditionPriorToTrialPeriodCount="0" OpenConditionPriorToLoanModificationCount="0" OpenConditionPriorToOversightCount="0" IOIndicator="N" NoteDate="01/01/1993" PayArrearagesAtOnceWithLiqAssets="N" PayArrearagesInInstmntWithLiqAssets="N" FNMAHomeSaverNote="N" CurrentlyInLoanMod="N" PreviousModifiedUnderHMP="N" BorrowerAgreesEscrowSetup="N" Approval="N" PriorLoanMod="N"><DEFAULT AbilityToResumeCurrentMtgPmt="N"/><INVESTOR/><SERVICER/><LISTINGAGENT/><AFTERMOD/><OTHERLOAN IOIndicator="N"/><OVERRIDES/></LOAN></LOANS><COLLATERALS><COLLATERAL CollID="38184" Units="1" RealEstateType="SingleFamily" HomeOwnershipType="PrimaryResidence" LoanID="38116" NonWarrantableCondo="0" HomeOwnershipTypeID="1" HUDRepo="0" ModelHomeLeaseback="0" InheritedProperty="0" ValidAVM="N" ValidFlood="N" Occupied="N" Listed="N" Condition="New" OccupancyStatus="BorrowerOccupied"><VALUATION AsIsValue="120000.0000"/><SHORTSALE/></COLLATERAL></COLLATERALS></APPLICATION></DECISION_REQUEST>
817
+
818
+
819
+ ****Product XML
820
+
821
+ <PRODUCTS><PRODUCT ProductID="1" Name="TM Stratification" Program="TM Stratification" ProgramDisplayName="TM Stratification" ProgramID="1" Rate="0.0000" MortgageTypeID="1" Duration="0" IsAssumable="0" IsBiWeekly="0" IsPrepayPenalty="0" IsChallenger="0" MaxLTV="200" MaxCLTV="200" MaxLoanAmount="99999999.0000" FirstRateAdjustmentCap="0" RateAdjustmentCap="0" RateLifetimeCap="0" RateMargin="0" RateIndex="0" RateFloor="0" PaymentAdjustment="0" PaymentAdjustmentCap="0" AmortizationType="Fixed" ProductType="Mortgage" MortgageType="ConventionalwithPMI" POSGuidelineId="1" GuidelineName="TM-Stratification Program Guideline" UWGuidelineID="1" UWGuidelineName="TM-Stratification Program Guideline" POSGuidelineName="TM-Stratification Program Guideline" AUSSource="CQDS" /></PRODUCTS>
822
+
823
+
824
+ PRIMARY PARAMETER VALUES
825
+ ******************************PRODUCT PARAMETERS *************************
826
+
827
+ <PARAMS><_DATA_SET _Name='BORROWER CURRENT FICO' _Value='706'/><_DATA_SET _Name='FORECLOSURE STATUS' _Value=''/><_DATA_SET _Name='PROGRAM NAME' _Value='TM Stratification'/><_DATA_SET _Name='IN REO UDF' _Value='No'/><_DATA_SET _Name='LOAN AMOUNT' _Value=''/><_DATA_SET _Name='LIEN NUMBER UDF' _Value='1'/><_DATA_SET _Name='MORTGAGE OWNER' _Value=''/><_DATA_SET _Name='PROPERTY CONDITION' _Value='New'/><_DATA_SET _Name='LTV' _Value='39.54'/><_DATA_SET _Name='PROPERTY TYPE' _Value='SingleFamily'/><_DATA_SET _Name='NO. OF UNITS' _Value='1'/><_DATA_SET _Name='STATE OF THE SUBJECT PROPERTY' _Value=''/><_DATA_SET _Name='FRONT RATIO' _Value=''/><_DATA_SET _Name='NOTE DATE' _Value='1/1/1993 12:00:00 AM'/><_DATA_SET _Name='CREDIT DRIFT' _Value='33'/><_DATA_SET _Name='ORIGINAL LOAN AMOUNT' _Value='66950'/><_DATA_SET _Name='PROPERTY VALUATION AS IS' _Value='120000'/><_DATA_SET _Name='BANKRUPTCY STATUS' _Value='PlanConfirmed'/><_DATA_SET _Name='OCCUPANCY' _Value='PrimaryResidence'/><_DATA_SET _Name='PROPERTY OCCUPANCY STATUS' _Value='BorrowerOccupied'/><_DATA_SET _Name='CURRENT BK CHAPTER UDF' _Value='Not Applicable'/><_DATA_SET _Name='LOAN TERM' _Value='0'/><_DATA_SET _Name='BACK RATIO' _Value='44.3'/><_DATA_SET _Name='IR' _Value='6.875'/><_DATA_SET _Name='CURRENTLY LISTED UDF' _Value='No'/></PARAMS>
828
+ ******************************Decisioned at 4/23/2010 9:36:01 AM***************
829
+
830
+ ****************************** Primary Parameters *****************************
831
+
832
+
833
+
834
+ ******************************Guideline*******************************************
835
+
836
+ <Guideline Id=1 Name= Version=0/>
837
+
838
+ <Rules />
839
+ <Decision GuidelineId="1" Rulecount="0" ExecutionTime="4/23/2010 9:36:01 AM" ExecutionResult="True">
840
+ <Messages>
841
+ <Message Type="Findings" RuleId="12161" RulesetId="6"><![CDATA[GSE Eligible Rank 1: Bankruptcy Status is PlanConfirmed.]]></Message>
842
+ <Message Type="Findings" RuleId="12220" RulesetId="2"><![CDATA[Jumbo Conforming Rank 2: Original Loan Amount of $66950 is less than $417000.]]></Message>
843
+ <Message Type="Findings" RuleId="12234" RulesetId="2"><![CDATA[Jumbo Conforming Rank 2: Bankruptcy Status is PlanConfirmed.]]></Message>
844
+ <Message Type="Findings" RuleId="12087" RulesetId="3"><![CDATA[FHA to FHA Program Rank 3: Bankruptcy Status is PlanConfirmed.]]></Message>
845
+ <Message Type="Findings" RuleId="12242" RulesetId="9"><![CDATA[Hope for Homeowners Rank 4: Origination Date should be on or after 1/01/2008.]]></Message>
846
+ <Message Type="Findings" RuleId="12244" RulesetId="9"><![CDATA[Hope for Homeowners Rank 4: Bankruptcy Status is PlanConfirmed.]]></Message>
847
+ <Message Type="Findings" RuleId="12171" RulesetId="10"><![CDATA[HAMP Prequal Rank 5: Bankruptcy Status is PlanConfirmed.]]></Message>
848
+ <Message Type="Findings" RuleId="12260" RulesetId="12"><![CDATA[Perf Low LTV Rank 6: Bankruptcy Status is PlanConfirmed.]]></Message>
849
+ <Message Type="Findings" RuleId="12178" RulesetId="11"><![CDATA[Perf Low LTV/High Risk Rank 7: Latest Representative Score of 706 is >= than 500.]]></Message>
850
+ <Message Type="Findings" RuleId="12180" RulesetId="11"><![CDATA[Perf Low LTV/High Risk Rank 7: Bankruptcy Status is PlanConfirmed.]]></Message>
851
+ <Message Type="Findings" RuleId="12183" RulesetId="11"><![CDATA[Perf Low LTV/High Risk Rank 7: Credit Drift is better than -75.]]></Message>
852
+ <Message Type="Findings" RuleId="12097" RulesetId="14"><![CDATA[Perf High LTV Rank 8: LTV of 39.54% is less than or equal to 100%.]]></Message>
853
+ <Message Type="Findings" RuleId="12100" RulesetId="14"><![CDATA[Perf High LTV Rank 8: Bankruptcy Status is PlanConfirmed.]]></Message>
854
+ <Message Type="Findings" RuleId="12090" RulesetId="13"><![CDATA[Perf High LTV/High Risk Rank 9: LTV of 39.54% is less than or equal to 100%.]]></Message>
855
+ <Message Type="Findings" RuleId="12091" RulesetId="13"><![CDATA[Perf High LTV/High Risk Rank 9: Latest Representative Score of 706 is >= than 500.]]></Message>
856
+ <Message Type="Findings" RuleId="12093" RulesetId="13"><![CDATA[Perf High LTV/High Risk Rank 9: Bankruptcy Status is PlanConfirmed.]]></Message>
857
+ <Message Type="Findings" RuleId="12096" RulesetId="13"><![CDATA[Perf Low LTV/High Risk Rank 7: Credit Drift is better than -75.]]></Message>
858
+ <Message Type="Findings" RuleId="12254" RulesetId="15"><![CDATA[Modification Rank 10: Current Interest Rate is less than 7.1%.]]></Message>
859
+ <Message Type="Findings" RuleId="12151" RulesetId="18"><![CDATA[Forbearance Rank 11: Bankruptcy Status is PlanConfirmed.]]></Message>
860
+ <Message Type="Findings" RuleId="12210" RulesetId="17"><![CDATA[Repayment Rank 12: Bankruptcy Status is PlanConfirmed.]]></Message>
861
+ <Message Type="Findings" RuleId="12188" RulesetId="19"><![CDATA[Deed In Lieu Rank 13: LTV of 39.54% is less than 130%]]></Message>
862
+ <Message Type="Findings" RuleId="12193" RulesetId="19"><![CDATA[Deed In Lieu Rank 13: Bankruptcy Status is PlanConfirmed.]]></Message>
863
+ <Message Type="Findings" RuleId="12119" RulesetId="16"><![CDATA[Short Sale Rank 14: Property not listed for sale.]]></Message>
864
+ <Message Type="Findings" RuleId="12200" RulesetId="20"><![CDATA[Foreclosure REO Rank 15: Bankruptcy Status is PlanConfirmed.]]></Message>
865
+ <Message Type="Findings" RuleId="12263" RulesetId="21"><![CDATA[Recommended Charge Off Rank 16: Loan Currently in Bankruptcy (Status).]]></Message>
866
+ <Message Type="Findings" RuleId="12264" RulesetId="21"><![CDATA[Recommended Charge Off Rank 16: Loan Currently in Bankruptcy. (Current Chapter)]]></Message>
867
+ <Message Type="Findings" RuleId="12267" RulesetId="21"><![CDATA[Recommended Charge Off Rank 16: Value Selected by System is greater than $25000.]]></Message>
868
+ <Message Type="Findings" RuleId="12106" RulesetId="27"><![CDATA[Missing Data: Current Unpaid Balance.]]></Message>
869
+ <Message Type="Findings" RuleId="12115" RulesetId="27"><![CDATA[Missing Data: Current BK Chapter.]]></Message>
870
+ <Message Type="Findings" RuleId="12139" RulesetId="22"><![CDATA[Highest Ranked: None]]></Message>
871
+ </Messages>
872
+ <DerivedParameters>
873
+ <DPM Name="Repayment Rank 12" Type="DSM" Order="0" ProductType="6">Insufficient Data</DPM>
874
+ <DPM Name="Highest Ranked Program Loan Qualified For" Type="DSM" Order="0" ProductType="6">None</DPM>
875
+ <DPM Name="Original Loan Amount" Type="DSM" Order="0" ProductType="4">66950</DPM>
876
+ <DPM Name="Perf Low LTV / High Risk Rank 7" Type="DSM" Order="0" ProductType="6">Did not qualify</DPM>
877
+ <DPM Name="Foreclosure REO Rank 15" Type="DSM" Order="0" ProductType="6">Insufficient Data</DPM>
878
+ <DPM Name="Recommended Charge Off Rank 16" Type="DSM" Order="0" ProductType="6">Did not qualify</DPM>
879
+ <DPM Name="Perf High LTV / High Risk Rank 9" Type="DSM" Order="0" ProductType="6">Did not qualify</DPM>
880
+ <DPM Name="Modification Rank 10" Type="DSM" Order="0" ProductType="6">Insufficient Data</DPM>
881
+ <DPM Name="Deed In Lieu Rank 13" Type="DSM" Order="0" ProductType="6">Insufficient Data</DPM>
882
+ <DPM Name="Lien Number Tmp" Type="DSM" Order="0" ProductType="4">1</DPM>
883
+ <DPM Name="Current BK Chapter Tmp" Type="DSM" Order="0" ProductType="6">BADDATA</DPM>
884
+ <DPM Name="Perf Low LTV Rank 6" Type="DSM" Order="0" ProductType="6">Did not qualify</DPM>
885
+ <DPM Name="Current UPB" Type="DSM" Order="0" ProductType="4" />
886
+ <DPM Name="HAMP Prequal Rank 5" Type="DSM" Order="0" ProductType="6">Insufficient Data</DPM>
887
+ <DPM Name="Perf High LTV Rank 8" Type="DSM" Order="0" ProductType="6">Did not qualify</DPM>
888
+ <DPM Name="Decision" Type="DSM" Order="0" ProductType="6">Pass</DPM>
889
+ <DPM Name="Jumbo Conforming Rank 2" Type="DSM" Order="0" ProductType="6">Did not qualify</DPM>
890
+ <DPM Name="FHA-FHA Refinance Rank 3" Type="DSM" Order="0" ProductType="6">Did not qualify</DPM>
891
+ <DPM Name="Currently Listed Tmp" Type="DSM" Order="0" ProductType="6">N</DPM>
892
+ <DPM Name="Short Sale Rank 14" Type="DSM" Order="0" ProductType="6">Did not qualify</DPM>
893
+ <DPM Name="Forbearance Rank 11" Type="DSM" Order="0" ProductType="6">Insufficient Data</DPM>
894
+ <DPM Name="Hope for Homeowners Rank 4" Type="DSM" Order="0" ProductType="6">Did not qualify</DPM>
895
+ <DPM Name="GSE Eligible Rank 1" Type="DSM" Order="0" ProductType="6">Did not qualify</DPM>
896
+ <DPM Name="DTI Front End" Type="DPM" Order="0" ProductType="4" />
897
+ <DPM Name="Credit Drift" Type="DPM" Order="0" ProductType="4">33</DPM>
898
+ <DPM Name="Property State Abbrev" Type="DPM" Order="0" ProductType="6">All</DPM>
899
+ <DPM Name="Latest Representative Score" Type="DPM" Order="0" ProductType="4">706</DPM>
900
+ <DPM Name="No of Units" Type="DPM" Order="0" ProductType="4">1</DPM>
901
+ <DPM Name="LTV" Type="DPM" Order="0" ProductType="4">39.54</DPM>
902
+ <DPM Name="Current REO Flag" Type="DPM" Order="0" ProductType="6">No</DPM>
903
+ <DPM Name="Value Selected By System" Type="DPM" Order="0" ProductType="4">120000</DPM>
904
+ <DPM Name="DTI Back End" Type="DPM" Order="0" ProductType="4">44.3</DPM>
905
+ <DPM Name="Mortgage Owner" Type="DPM" Order="0" ProductType="6" />
906
+ <DPM Name="Bankruptcy Status" Type="DPM" Order="0" ProductType="6">PlanConfirmed</DPM>
907
+ <DPM Name="Current BK Chapter" Type="DPM" Order="0" ProductType="6">Not Applicable</DPM>
908
+ <DPM Name="Property Type" Type="DPM" Order="0" ProductType="6">SingleFamily</DPM>
909
+ <DPM Name="Note Date" Type="DPM" Order="0" ProductType="2">1/1/1993</DPM>
910
+ </DerivedParameters>
911
+ </Decision>
912
+
913
+
914
+ ******************************CalculateAppParam: Application InputXML*****************
915
+
916
+
917
+ <DECISION_REQUEST><APPLICATION ApplicationID="41284" OrganizationID="3" CreatedDate="04/20/2010" ModifiedDate="04/23/2010" Summary="Batch Upload Application" User="DGreene" SpouseIncludeFlag="N" SpouseQualFlag="N" JointFlag="N" UserID="6" UserName="Derick Greene" OrganizationName="Transaction Mgmt" ManualCredit="N" UserTypeId="" Source="Internal" ActName="Clayton" InBankruptcy="N" BackRatio="33.8000" BankruptcyStatus="ProofOfClaimFiled"><ORGANIZATION OrganizationID="3" APP_ORG_ID="3" UDFInt1="0" UDFInt2="0" UDFInt3="0" UDFInt4="0" UDFInt5="0" UDFStr1="" UDFStr2="" UDFStr3="" UDFStr4="" UDFStr5=""/><USER UserID="6" APP_USER_ID="6" IsSupervisor="1" UDFInt1="0" UDFInt2="0" UDFInt3="0" UDFInt4="0" UDFInt5="0" UDFStr1="" UDFStr2="" UDFStr3="" UDFStr4="" UDFStr5="" SubmittedUser="Derick Greene" SubmittedOrganization="Transaction Mgmt" SubmittedOrigin="Internal"/><APPLICATIONTEAM><APPLICATIONTEAM_USER FirstName="Derick" LastName="Greene" OrganizationName="Transaction Mgmt" OriginType="Internal" UserType="Originator" UserID="6" ATM_ID="38117"><APPLICATIONTEAM_USER_ORGANIZATION Address="" City="" Zip="" PhoneNumber="" ATM_USER_ID="6" OrganizationID="3"/></APPLICATIONTEAM_USER></APPLICATIONTEAM><APPLICANTS><APPLICANT BorrowerID="76279" IsPrimary="Y" Score="570" ForeignNationalIndicator="N" App1003ID="143" APA_1003_PRIMARY="1"><EMPLOYMENTS><EMPLOYMENT EmploymentID="152922" IsSelfEmployed="N" Type="Primary" EPM_ISRELATIVE_FLAG="0" Retired="0" W2="Y"/><EMPLOYMENT EmploymentID="154818" IsSelfEmployed="N" Type="Previous" EPM_ISRELATIVE_FLAG="0" Retired="0" W2="Y"/></EMPLOYMENTS><RESIDENCES><RESIDENCE ResidenceID="38383" IsPresent="Y" IsMailing="N"/></RESIDENCES></APPLICANT><APPLICANT BorrowerID="77279" IsPrimary="N" ForeignNationalIndicator="N" App1003ID="143" APA_1003_PRIMARY="0"><EMPLOYMENTS><EMPLOYMENT EmploymentID="153922" IsSelfEmployed="N" Type="Primary" EPM_ISRELATIVE_FLAG="0" Retired="0" W2="Y"/><EMPLOYMENT EmploymentID="155818" IsSelfEmployed="N" Type="Previous" EPM_ISRELATIVE_FLAG="0" Retired="0" W2="Y"/></EMPLOYMENTS></APPLICANT></APPLICANTS><ASSETS/><EXPENSES><EXPENSE ExpenseID="38131" IsCurrent="Y" Type="HomeownerAssociationDues" BorrowerID="76279" IsDiscretionary="N"><APPLICANTS><APPLICANT ApplicantIDREF="76279" IsPrimary="Y"/></APPLICANTS></EXPENSE></EXPENSES><PARAMETERS><PPM Name="Credit Drift" Value="-132"/><PPM Name="Current BK Chapter UDF" Value="Not Applicable"/><PPM Name="Currently Listed UDF" Value="No"/><PPM Name="In REO UDF" Value="No"/><PPM Name="Lien Number UDF" Value="1"/><PPM Name="LTV" Value="73.53"/><PPM Name="ManualCredit" Value="Y"/></PARAMETERS><LOANS><LOAN LoanID="38117" Rate="5.6250" LienNumber="1" ComboFlag="N" LienType="1st" HighOverDueActivities="0" MediumOverDueActivities="0" LowOverDueActivities="0" LoanStage="Unknown" CurrentStage="00-New Casefile" OriginalLoanAmount="79039.0000" SellerLoanNumber="10000049" OpenConditionCount="0" OpenConditionPriorToProcessingCount="0" OpenConditionPriorToSubmissionCount="0" OpenConditionPriorToQualificationCount="0" OpenConditionPriorToTrialPeriodCount="0" OpenConditionPriorToLoanModificationCount="0" OpenConditionPriorToOversightCount="0" IOIndicator="N" NoteDate="09/01/1996" PayArrearagesAtOnceWithLiqAssets="N" PayArrearagesInInstmntWithLiqAssets="N" FNMAHomeSaverNote="N" CurrentlyInLoanMod="N" PreviousModifiedUnderHMP="N" BorrowerAgreesEscrowSetup="N" Approval="N" PriorLoanMod="N"><DEFAULT AbilityToResumeCurrentMtgPmt="N"/><INVESTOR/><SERVICER/><LISTINGAGENT/><AFTERMOD/><OTHERLOAN IOIndicator="N"/><OVERRIDES/></LOAN></LOANS><COLLATERALS><COLLATERAL CollID="38185" Units="1" RealEstateType="SingleFamily" HomeOwnershipType="PrimaryResidence" LoanID="38117" NonWarrantableCondo="0" HomeOwnershipTypeID="1" HUDRepo="0" ModelHomeLeaseback="0" InheritedProperty="0" ValidAVM="N" ValidFlood="N" Occupied="N" Listed="N" Condition="New" OccupancyStatus="BorrowerOccupied"><VALUATION AsIsValue="84000.0000"/><SHORTSALE/></COLLATERAL></COLLATERALS></APPLICATION></DECISION_REQUEST>
918
+
919
+
920
+ ****Product XML
921
+
922
+ <PRODUCTS><PRODUCT ProductID="1" Name="TM Stratification" Program="TM Stratification" ProgramDisplayName="TM Stratification" ProgramID="1" Rate="0.0000" MortgageTypeID="1" Duration="0" IsAssumable="0" IsBiWeekly="0" IsPrepayPenalty="0" IsChallenger="0" MaxLTV="200" MaxCLTV="200" MaxLoanAmount="99999999.0000" FirstRateAdjustmentCap="0" RateAdjustmentCap="0" RateLifetimeCap="0" RateMargin="0" RateIndex="0" RateFloor="0" PaymentAdjustment="0" PaymentAdjustmentCap="0" AmortizationType="Fixed" ProductType="Mortgage" MortgageType="ConventionalwithPMI" POSGuidelineId="1" GuidelineName="TM-Stratification Program Guideline" UWGuidelineID="1" UWGuidelineName="TM-Stratification Program Guideline" POSGuidelineName="TM-Stratification Program Guideline" AUSSource="CQDS" /></PRODUCTS>
923
+
924
+
925
+ PRIMARY PARAMETER VALUES
926
+ ******************************PRODUCT PARAMETERS *************************
927
+
928
+ <PARAMS><_DATA_SET _Name='BORROWER CURRENT FICO' _Value='570'/><_DATA_SET _Name='FORECLOSURE STATUS' _Value=''/><_DATA_SET _Name='PROGRAM NAME' _Value='TM Stratification'/><_DATA_SET _Name='IN REO UDF' _Value='No'/><_DATA_SET _Name='LOAN AMOUNT' _Value=''/><_DATA_SET _Name='LIEN NUMBER UDF' _Value='1'/><_DATA_SET _Name='MORTGAGE OWNER' _Value=''/><_DATA_SET _Name='PROPERTY CONDITION' _Value='New'/><_DATA_SET _Name='LTV' _Value='73.53'/><_DATA_SET _Name='PROPERTY TYPE' _Value='SingleFamily'/><_DATA_SET _Name='NO. OF UNITS' _Value='1'/><_DATA_SET _Name='STATE OF THE SUBJECT PROPERTY' _Value=''/><_DATA_SET _Name='FRONT RATIO' _Value=''/><_DATA_SET _Name='NOTE DATE' _Value='9/1/1996 12:00:00 AM'/><_DATA_SET _Name='CREDIT DRIFT' _Value='-132'/><_DATA_SET _Name='ORIGINAL LOAN AMOUNT' _Value='79039'/><_DATA_SET _Name='PROPERTY VALUATION AS IS' _Value='84000'/><_DATA_SET _Name='BANKRUPTCY STATUS' _Value='ProofOfClaimFiled'/><_DATA_SET _Name='OCCUPANCY' _Value='PrimaryResidence'/><_DATA_SET _Name='PROPERTY OCCUPANCY STATUS' _Value='BorrowerOccupied'/><_DATA_SET _Name='CURRENT BK CHAPTER UDF' _Value='Not Applicable'/><_DATA_SET _Name='LOAN TERM' _Value='0'/><_DATA_SET _Name='BACK RATIO' _Value='33.8'/><_DATA_SET _Name='IR' _Value='5.625'/><_DATA_SET _Name='CURRENTLY LISTED UDF' _Value='No'/></PARAMS>
929
+ ******************************Decisioned at 4/23/2010 9:36:02 AM***************
930
+
931
+ ****************************** Primary Parameters *****************************
932
+
933
+
934
+
935
+ ******************************Guideline*******************************************
936
+
937
+ <Guideline Id=1 Name= Version=0/>
938
+
939
+ <Rules />
940
+ <Decision GuidelineId="1" Rulecount="0" ExecutionTime="4/23/2010 9:36:02 AM" ExecutionResult="True">
941
+ <Messages>
942
+ <Message Type="Findings" RuleId="12157" RulesetId="6"><![CDATA[GSE Eligible Rank 1: Credit Drift of -132 is worse than -25.]]></Message>
943
+ <Message Type="Findings" RuleId="12158" RulesetId="6"><![CDATA[GSE Eligible Rank 1: Latest Representative Score of 570 is less than 660.]]></Message>
944
+ <Message Type="Findings" RuleId="12161" RulesetId="6"><![CDATA[GSE Eligible Rank 1: Bankruptcy Status is ProofOfClaimFiled.]]></Message>
945
+ <Message Type="Findings" RuleId="12220" RulesetId="2"><![CDATA[Jumbo Conforming Rank 2: Original Loan Amount of $79039 is less than $417000.]]></Message>
946
+ <Message Type="Findings" RuleId="12229" RulesetId="2"><![CDATA[Jumbo Conforming Rank 2: Latest Representative Score of 570 is less than 699 required for Owner Occupied properties with LTV of 73.53%. ]]></Message>
947
+ <Message Type="Findings" RuleId="12230" RulesetId="2"><![CDATA[Jumbo Conforming Rank 2: Latest Representative Score of 570 is less than 700 required for Owner Occupied properties with LTV of 73.53%. ]]></Message>
948
+ <Message Type="Findings" RuleId="12234" RulesetId="2"><![CDATA[Jumbo Conforming Rank 2: Bankruptcy Status is ProofOfClaimFiled.]]></Message>
949
+ <Message Type="Findings" RuleId="12087" RulesetId="3"><![CDATA[FHA to FHA Program Rank 3: Bankruptcy Status is ProofOfClaimFiled.]]></Message>
950
+ <Message Type="Findings" RuleId="12242" RulesetId="9"><![CDATA[Hope for Homeowners Rank 4: Origination Date should be on or after 1/01/2008.]]></Message>
951
+ <Message Type="Findings" RuleId="12244" RulesetId="9"><![CDATA[Hope for Homeowners Rank 4: Bankruptcy Status is ProofOfClaimFiled.]]></Message>
952
+ <Message Type="Findings" RuleId="12171" RulesetId="10"><![CDATA[HAMP Prequal Rank 5: Bankruptcy Status is ProofOfClaimFiled.]]></Message>
953
+ <Message Type="Findings" RuleId="12260" RulesetId="12"><![CDATA[Perf Low LTV Rank 6: Bankruptcy Status is ProofOfClaimFiled.]]></Message>
954
+ <Message Type="Findings" RuleId="12178" RulesetId="11"><![CDATA[Perf Low LTV/High Risk Rank 7: Latest Representative Score of 570 is >= than 500.]]></Message>
955
+ <Message Type="Findings" RuleId="12180" RulesetId="11"><![CDATA[Perf Low LTV/High Risk Rank 7: Bankruptcy Status is ProofOfClaimFiled.]]></Message>
956
+ <Message Type="Findings" RuleId="12097" RulesetId="14"><![CDATA[Perf High LTV Rank 8: LTV of 73.53% is less than or equal to 100%.]]></Message>
957
+ <Message Type="Findings" RuleId="12100" RulesetId="14"><![CDATA[Perf High LTV Rank 8: Bankruptcy Status is ProofOfClaimFiled.]]></Message>
958
+ <Message Type="Findings" RuleId="12090" RulesetId="13"><![CDATA[Perf High LTV/High Risk Rank 9: LTV of 73.53% is less than or equal to 100%.]]></Message>
959
+ <Message Type="Findings" RuleId="12091" RulesetId="13"><![CDATA[Perf High LTV/High Risk Rank 9: Latest Representative Score of 570 is >= than 500.]]></Message>
960
+ <Message Type="Findings" RuleId="12093" RulesetId="13"><![CDATA[Perf High LTV/High Risk Rank 9: Bankruptcy Status is ProofOfClaimFiled.]]></Message>
961
+ <Message Type="Findings" RuleId="12254" RulesetId="15"><![CDATA[Modification Rank 10: Current Interest Rate is less than 7.1%.]]></Message>
962
+ <Message Type="Findings" RuleId="12151" RulesetId="18"><![CDATA[Forbearance Rank 11: Bankruptcy Status is ProofOfClaimFiled.]]></Message>
963
+ <Message Type="Findings" RuleId="12210" RulesetId="17"><![CDATA[Repayment Rank 12: Bankruptcy Status is ProofOfClaimFiled.]]></Message>
964
+ <Message Type="Findings" RuleId="12188" RulesetId="19"><![CDATA[Deed In Lieu Rank 13: LTV of 73.53% is less than 130%]]></Message>
965
+ <Message Type="Findings" RuleId="12193" RulesetId="19"><![CDATA[Deed In Lieu Rank 13: Bankruptcy Status is ProofOfClaimFiled.]]></Message>
966
+ <Message Type="Findings" RuleId="12119" RulesetId="16"><![CDATA[Short Sale Rank 14: Property not listed for sale.]]></Message>
967
+ <Message Type="Findings" RuleId="12200" RulesetId="20"><![CDATA[Foreclosure REO Rank 15: Bankruptcy Status is ProofOfClaimFiled.]]></Message>
968
+ <Message Type="Findings" RuleId="12263" RulesetId="21"><![CDATA[Recommended Charge Off Rank 16: Loan Currently in Bankruptcy (Status).]]></Message>
969
+ <Message Type="Findings" RuleId="12264" RulesetId="21"><![CDATA[Recommended Charge Off Rank 16: Loan Currently in Bankruptcy. (Current Chapter)]]></Message>
970
+ <Message Type="Findings" RuleId="12267" RulesetId="21"><![CDATA[Recommended Charge Off Rank 16: Value Selected by System is greater than $25000.]]></Message>
971
+ <Message Type="Findings" RuleId="12106" RulesetId="27"><![CDATA[Missing Data: Current Unpaid Balance.]]></Message>
972
+ <Message Type="Findings" RuleId="12115" RulesetId="27"><![CDATA[Missing Data: Current BK Chapter.]]></Message>
973
+ <Message Type="Findings" RuleId="12139" RulesetId="22"><![CDATA[Highest Ranked: None]]></Message>
974
+ </Messages>
975
+ <DerivedParameters>
976
+ <DPM Name="Repayment Rank 12" Type="DSM" Order="0" ProductType="6">Insufficient Data</DPM>
977
+ <DPM Name="Highest Ranked Program Loan Qualified For" Type="DSM" Order="0" ProductType="6">None</DPM>
978
+ <DPM Name="Original Loan Amount" Type="DSM" Order="0" ProductType="4">79039</DPM>
979
+ <DPM Name="Perf Low LTV / High Risk Rank 7" Type="DSM" Order="0" ProductType="6">Did not qualify</DPM>
980
+ <DPM Name="Foreclosure REO Rank 15" Type="DSM" Order="0" ProductType="6">Insufficient Data</DPM>
981
+ <DPM Name="Recommended Charge Off Rank 16" Type="DSM" Order="0" ProductType="6">Did not qualify</DPM>
982
+ <DPM Name="Perf High LTV / High Risk Rank 9" Type="DSM" Order="0" ProductType="6">Did not qualify</DPM>
983
+ <DPM Name="Modification Rank 10" Type="DSM" Order="0" ProductType="6">Insufficient Data</DPM>
984
+ <DPM Name="Deed In Lieu Rank 13" Type="DSM" Order="0" ProductType="6">Insufficient Data</DPM>
985
+ <DPM Name="Lien Number Tmp" Type="DSM" Order="0" ProductType="4">1</DPM>
986
+ <DPM Name="Current BK Chapter Tmp" Type="DSM" Order="0" ProductType="6">BADDATA</DPM>
987
+ <DPM Name="Perf Low LTV Rank 6" Type="DSM" Order="0" ProductType="6">Did not qualify</DPM>
988
+ <DPM Name="Current UPB" Type="DSM" Order="0" ProductType="4" />
989
+ <DPM Name="HAMP Prequal Rank 5" Type="DSM" Order="0" ProductType="6">Insufficient Data</DPM>
990
+ <DPM Name="Perf High LTV Rank 8" Type="DSM" Order="0" ProductType="6">Did not qualify</DPM>
991
+ <DPM Name="Decision" Type="DSM" Order="0" ProductType="6">Pass</DPM>
992
+ <DPM Name="Jumbo Conforming Rank 2" Type="DSM" Order="0" ProductType="6">Did not qualify</DPM>
993
+ <DPM Name="FHA-FHA Refinance Rank 3" Type="DSM" Order="0" ProductType="6">Did not qualify</DPM>
994
+ <DPM Name="Currently Listed Tmp" Type="DSM" Order="0" ProductType="6">N</DPM>
995
+ <DPM Name="Short Sale Rank 14" Type="DSM" Order="0" ProductType="6">Did not qualify</DPM>
996
+ <DPM Name="Forbearance Rank 11" Type="DSM" Order="0" ProductType="6">Insufficient Data</DPM>
997
+ <DPM Name="Hope for Homeowners Rank 4" Type="DSM" Order="0" ProductType="6">Did not qualify</DPM>
998
+ <DPM Name="GSE Eligible Rank 1" Type="DSM" Order="0" ProductType="6">Did not qualify</DPM>
999
+ <DPM Name="DTI Front End" Type="DPM" Order="0" ProductType="4" />
1000
+ <DPM Name="Credit Drift" Type="DPM" Order="0" ProductType="4">-132</DPM>
1001
+ <DPM Name="Property State Abbrev" Type="DPM" Order="0" ProductType="6">All</DPM>
1002
+ <DPM Name="Latest Representative Score" Type="DPM" Order="0" ProductType="4">570</DPM>
1003
+ <DPM Name="No of Units" Type="DPM" Order="0" ProductType="4">1</DPM>
1004
+ <DPM Name="LTV" Type="DPM" Order="0" ProductType="4">73.53</DPM>
1005
+ <DPM Name="Current REO Flag" Type="DPM" Order="0" ProductType="6">No</DPM>
1006
+ <DPM Name="Value Selected By System" Type="DPM" Order="0" ProductType="4">84000</DPM>
1007
+ <DPM Name="DTI Back End" Type="DPM" Order="0" ProductType="4">33.8</DPM>
1008
+ <DPM Name="Mortgage Owner" Type="DPM" Order="0" ProductType="6" />
1009
+ <DPM Name="Bankruptcy Status" Type="DPM" Order="0" ProductType="6">ProofOfClaimFiled</DPM>
1010
+ <DPM Name="Current BK Chapter" Type="DPM" Order="0" ProductType="6">Not Applicable</DPM>
1011
+ <DPM Name="Property Type" Type="DPM" Order="0" ProductType="6">SingleFamily</DPM>
1012
+ <DPM Name="Note Date" Type="DPM" Order="0" ProductType="2">9/1/1996</DPM>
1013
+ </DerivedParameters>
1014
+ </Decision>
1015
+
1016
+
1017
+ ******************************CalculateAppParam: Application InputXML*****************
1018
+
1019
+
1020
+ <DECISION_REQUEST><APPLICATION ApplicationID="41285" OrganizationID="3" CreatedDate="04/20/2010" ModifiedDate="04/23/2010" Summary="Batch Upload Application" User="DGreene" SpouseIncludeFlag="N" SpouseQualFlag="N" JointFlag="N" UserID="6" UserName="Derick Greene" OrganizationName="Transaction Mgmt" ManualCredit="N" UserTypeId="" Source="Internal" ActName="Clayton" InBankruptcy="N" BackRatio="28.9000" BankruptcyStatus="PlanConfirmed"><ORGANIZATION OrganizationID="3" APP_ORG_ID="3" UDFInt1="0" UDFInt2="0" UDFInt3="0" UDFInt4="0" UDFInt5="0" UDFStr1="" UDFStr2="" UDFStr3="" UDFStr4="" UDFStr5=""/><USER UserID="6" APP_USER_ID="6" IsSupervisor="1" UDFInt1="0" UDFInt2="0" UDFInt3="0" UDFInt4="0" UDFInt5="0" UDFStr1="" UDFStr2="" UDFStr3="" UDFStr4="" UDFStr5="" SubmittedUser="Derick Greene" SubmittedOrganization="Transaction Mgmt" SubmittedOrigin="Internal"/><APPLICATIONTEAM><APPLICATIONTEAM_USER FirstName="Derick" LastName="Greene" OrganizationName="Transaction Mgmt" OriginType="Internal" UserType="Originator" UserID="6" ATM_ID="38118"><APPLICATIONTEAM_USER_ORGANIZATION Address="" City="" Zip="" PhoneNumber="" ATM_USER_ID="6" OrganizationID="3"/></APPLICATIONTEAM_USER></APPLICATIONTEAM><APPLICANTS><APPLICANT BorrowerID="77280" IsPrimary="N" ForeignNationalIndicator="N" App1003ID="143" APA_1003_PRIMARY="0"><EMPLOYMENTS><EMPLOYMENT EmploymentID="153923" IsSelfEmployed="N" Type="Primary" EPM_ISRELATIVE_FLAG="0" Retired="0" W2="Y"/><EMPLOYMENT EmploymentID="155819" IsSelfEmployed="N" Type="Previous" EPM_ISRELATIVE_FLAG="0" Retired="0" W2="Y"/></EMPLOYMENTS></APPLICANT><APPLICANT BorrowerID="76280" IsPrimary="Y" Score="632" ForeignNationalIndicator="N" App1003ID="143" APA_1003_PRIMARY="1"><EMPLOYMENTS><EMPLOYMENT EmploymentID="152923" IsSelfEmployed="N" Type="Primary" EPM_ISRELATIVE_FLAG="0" Retired="0" W2="Y"/><EMPLOYMENT EmploymentID="154819" IsSelfEmployed="N" Type="Previous" EPM_ISRELATIVE_FLAG="0" Retired="0" W2="Y"/></EMPLOYMENTS><RESIDENCES><RESIDENCE ResidenceID="38384" IsPresent="Y" IsMailing="N"/></RESIDENCES></APPLICANT></APPLICANTS><ASSETS/><EXPENSES><EXPENSE ExpenseID="38132" IsCurrent="Y" Type="HomeownerAssociationDues" BorrowerID="76280" IsDiscretionary="N"><APPLICANTS><APPLICANT ApplicantIDREF="76280" IsPrimary="Y"/></APPLICANTS></EXPENSE></EXPENSES><PARAMETERS><PPM Name="Credit Drift" Value="30"/><PPM Name="Current BK Chapter UDF" Value="Not Applicable"/><PPM Name="Currently Listed UDF" Value="No"/><PPM Name="In REO UDF" Value="No"/><PPM Name="Lien Number UDF" Value="1"/><PPM Name="LTV" Value="58.09"/><PPM Name="ManualCredit" Value="Y"/></PARAMETERS><LOANS><LOAN LoanID="38118" Rate="6.3750" LienNumber="1" ComboFlag="N" LienType="1st" HighOverDueActivities="0" MediumOverDueActivities="0" LowOverDueActivities="0" LoanStage="Unknown" CurrentStage="00-New Casefile" OriginalLoanAmount="100470.0000" SellerLoanNumber="10000050" OpenConditionCount="0" OpenConditionPriorToProcessingCount="0" OpenConditionPriorToSubmissionCount="0" OpenConditionPriorToQualificationCount="0" OpenConditionPriorToTrialPeriodCount="0" OpenConditionPriorToLoanModificationCount="0" OpenConditionPriorToOversightCount="0" IOIndicator="N" NoteDate="11/01/1995" PayArrearagesAtOnceWithLiqAssets="N" PayArrearagesInInstmntWithLiqAssets="N" FNMAHomeSaverNote="N" CurrentlyInLoanMod="N" PreviousModifiedUnderHMP="N" BorrowerAgreesEscrowSetup="N" Approval="N" PriorLoanMod="N"><DEFAULT AbilityToResumeCurrentMtgPmt="N"/><INVESTOR/><SERVICER/><LISTINGAGENT/><AFTERMOD/><OTHERLOAN IOIndicator="N"/><OVERRIDES/></LOAN></LOANS><COLLATERALS><COLLATERAL CollID="38186" Units="1" RealEstateType="SingleFamily" HomeOwnershipType="PrimaryResidence" LoanID="38118" NonWarrantableCondo="0" HomeOwnershipTypeID="1" HUDRepo="0" ModelHomeLeaseback="0" InheritedProperty="0" ValidAVM="N" ValidFlood="N" Occupied="N" Listed="N" Condition="Good" OccupancyStatus="BorrowerOccupied"><VALUATION AsIsValue="140000.0000"/><SHORTSALE/></COLLATERAL></COLLATERALS></APPLICATION></DECISION_REQUEST>
1021
+
1022
+
1023
+ ****Product XML
1024
+
1025
+ <PRODUCTS><PRODUCT ProductID="1" Name="TM Stratification" Program="TM Stratification" ProgramDisplayName="TM Stratification" ProgramID="1" Rate="0.0000" MortgageTypeID="1" Duration="0" IsAssumable="0" IsBiWeekly="0" IsPrepayPenalty="0" IsChallenger="0" MaxLTV="200" MaxCLTV="200" MaxLoanAmount="99999999.0000" FirstRateAdjustmentCap="0" RateAdjustmentCap="0" RateLifetimeCap="0" RateMargin="0" RateIndex="0" RateFloor="0" PaymentAdjustment="0" PaymentAdjustmentCap="0" AmortizationType="Fixed" ProductType="Mortgage" MortgageType="ConventionalwithPMI" POSGuidelineId="1" GuidelineName="TM-Stratification Program Guideline" UWGuidelineID="1" UWGuidelineName="TM-Stratification Program Guideline" POSGuidelineName="TM-Stratification Program Guideline" AUSSource="CQDS" /></PRODUCTS>
1026
+
1027
+
1028
+ PRIMARY PARAMETER VALUES
1029
+ ******************************PRODUCT PARAMETERS *************************
1030
+
1031
+ <PARAMS><_DATA_SET _Name='BORROWER CURRENT FICO' _Value='632'/><_DATA_SET _Name='FORECLOSURE STATUS' _Value=''/><_DATA_SET _Name='PROGRAM NAME' _Value='TM Stratification'/><_DATA_SET _Name='IN REO UDF' _Value='No'/><_DATA_SET _Name='LOAN AMOUNT' _Value=''/><_DATA_SET _Name='LIEN NUMBER UDF' _Value='1'/><_DATA_SET _Name='MORTGAGE OWNER' _Value=''/><_DATA_SET _Name='PROPERTY CONDITION' _Value='Good'/><_DATA_SET _Name='LTV' _Value='58.09'/><_DATA_SET _Name='PROPERTY TYPE' _Value='SingleFamily'/><_DATA_SET _Name='NO. OF UNITS' _Value='1'/><_DATA_SET _Name='STATE OF THE SUBJECT PROPERTY' _Value=''/><_DATA_SET _Name='FRONT RATIO' _Value=''/><_DATA_SET _Name='NOTE DATE' _Value='11/1/1995 12:00:00 AM'/><_DATA_SET _Name='CREDIT DRIFT' _Value='30'/><_DATA_SET _Name='ORIGINAL LOAN AMOUNT' _Value='100470'/><_DATA_SET _Name='PROPERTY VALUATION AS IS' _Value='140000'/><_DATA_SET _Name='BANKRUPTCY STATUS' _Value='PlanConfirmed'/><_DATA_SET _Name='OCCUPANCY' _Value='PrimaryResidence'/><_DATA_SET _Name='PROPERTY OCCUPANCY STATUS' _Value='BorrowerOccupied'/><_DATA_SET _Name='CURRENT BK CHAPTER UDF' _Value='Not Applicable'/><_DATA_SET _Name='LOAN TERM' _Value='0'/><_DATA_SET _Name='BACK RATIO' _Value='28.9'/><_DATA_SET _Name='IR' _Value='6.375'/><_DATA_SET _Name='CURRENTLY LISTED UDF' _Value='No'/></PARAMS>
1032
+ ******************************Decisioned at 4/23/2010 9:36:03 AM***************
1033
+
1034
+ ****************************** Primary Parameters *****************************
1035
+
1036
+
1037
+
1038
+ ******************************Guideline*******************************************
1039
+
1040
+ <Guideline Id=1 Name= Version=0/>
1041
+
1042
+ <Rules />
1043
+ <Decision GuidelineId="1" Rulecount="0" ExecutionTime="4/23/2010 9:36:03 AM" ExecutionResult="True">
1044
+ <Messages>
1045
+ <Message Type="Findings" RuleId="12158" RulesetId="6"><![CDATA[GSE Eligible Rank 1: Latest Representative Score of 632 is less than 660.]]></Message>
1046
+ <Message Type="Findings" RuleId="12161" RulesetId="6"><![CDATA[GSE Eligible Rank 1: Bankruptcy Status is PlanConfirmed.]]></Message>
1047
+ <Message Type="Findings" RuleId="12220" RulesetId="2"><![CDATA[Jumbo Conforming Rank 2: Original Loan Amount of $100470 is less than $417000.]]></Message>
1048
+ <Message Type="Findings" RuleId="12229" RulesetId="2"><![CDATA[Jumbo Conforming Rank 2: Latest Representative Score of 632 is less than 699 required for Owner Occupied properties with LTV of 58.09%. ]]></Message>
1049
+ <Message Type="Findings" RuleId="12230" RulesetId="2"><![CDATA[Jumbo Conforming Rank 2: Latest Representative Score of 632 is less than 700 required for Owner Occupied properties with LTV of 58.09%. ]]></Message>
1050
+ <Message Type="Findings" RuleId="12234" RulesetId="2"><![CDATA[Jumbo Conforming Rank 2: Bankruptcy Status is PlanConfirmed.]]></Message>
1051
+ <Message Type="Findings" RuleId="12087" RulesetId="3"><![CDATA[FHA to FHA Program Rank 3: Bankruptcy Status is PlanConfirmed.]]></Message>
1052
+ <Message Type="Findings" RuleId="12242" RulesetId="9"><![CDATA[Hope for Homeowners Rank 4: Origination Date should be on or after 1/01/2008.]]></Message>
1053
+ <Message Type="Findings" RuleId="12244" RulesetId="9"><![CDATA[Hope for Homeowners Rank 4: Bankruptcy Status is PlanConfirmed.]]></Message>
1054
+ <Message Type="Findings" RuleId="12171" RulesetId="10"><![CDATA[HAMP Prequal Rank 5: Bankruptcy Status is PlanConfirmed.]]></Message>
1055
+ <Message Type="Findings" RuleId="12260" RulesetId="12"><![CDATA[Perf Low LTV Rank 6: Bankruptcy Status is PlanConfirmed.]]></Message>
1056
+ <Message Type="Findings" RuleId="12178" RulesetId="11"><![CDATA[Perf Low LTV/High Risk Rank 7: Latest Representative Score of 632 is >= than 500.]]></Message>
1057
+ <Message Type="Findings" RuleId="12180" RulesetId="11"><![CDATA[Perf Low LTV/High Risk Rank 7: Bankruptcy Status is PlanConfirmed.]]></Message>
1058
+ <Message Type="Findings" RuleId="12183" RulesetId="11"><![CDATA[Perf Low LTV/High Risk Rank 7: Credit Drift is better than -75.]]></Message>
1059
+ <Message Type="Findings" RuleId="12097" RulesetId="14"><![CDATA[Perf High LTV Rank 8: LTV of 58.09% is less than or equal to 100%.]]></Message>
1060
+ <Message Type="Findings" RuleId="12100" RulesetId="14"><![CDATA[Perf High LTV Rank 8: Bankruptcy Status is PlanConfirmed.]]></Message>
1061
+ <Message Type="Findings" RuleId="12090" RulesetId="13"><![CDATA[Perf High LTV/High Risk Rank 9: LTV of 58.09% is less than or equal to 100%.]]></Message>
1062
+ <Message Type="Findings" RuleId="12091" RulesetId="13"><![CDATA[Perf High LTV/High Risk Rank 9: Latest Representative Score of 632 is >= than 500.]]></Message>
1063
+ <Message Type="Findings" RuleId="12093" RulesetId="13"><![CDATA[Perf High LTV/High Risk Rank 9: Bankruptcy Status is PlanConfirmed.]]></Message>
1064
+ <Message Type="Findings" RuleId="12096" RulesetId="13"><![CDATA[Perf Low LTV/High Risk Rank 7: Credit Drift is better than -75.]]></Message>
1065
+ <Message Type="Findings" RuleId="12254" RulesetId="15"><![CDATA[Modification Rank 10: Current Interest Rate is less than 7.1%.]]></Message>
1066
+ <Message Type="Findings" RuleId="12151" RulesetId="18"><![CDATA[Forbearance Rank 11: Bankruptcy Status is PlanConfirmed.]]></Message>
1067
+ <Message Type="Findings" RuleId="12210" RulesetId="17"><![CDATA[Repayment Rank 12: Bankruptcy Status is PlanConfirmed.]]></Message>
1068
+ <Message Type="Findings" RuleId="12188" RulesetId="19"><![CDATA[Deed In Lieu Rank 13: LTV of 58.09% is less than 130%]]></Message>
1069
+ <Message Type="Findings" RuleId="12193" RulesetId="19"><![CDATA[Deed In Lieu Rank 13: Bankruptcy Status is PlanConfirmed.]]></Message>
1070
+ <Message Type="Findings" RuleId="12119" RulesetId="16"><![CDATA[Short Sale Rank 14: Property not listed for sale.]]></Message>
1071
+ <Message Type="Findings" RuleId="12200" RulesetId="20"><![CDATA[Foreclosure REO Rank 15: Bankruptcy Status is PlanConfirmed.]]></Message>
1072
+ <Message Type="Findings" RuleId="12263" RulesetId="21"><![CDATA[Recommended Charge Off Rank 16: Loan Currently in Bankruptcy (Status).]]></Message>
1073
+ <Message Type="Findings" RuleId="12264" RulesetId="21"><![CDATA[Recommended Charge Off Rank 16: Loan Currently in Bankruptcy. (Current Chapter)]]></Message>
1074
+ <Message Type="Findings" RuleId="12267" RulesetId="21"><![CDATA[Recommended Charge Off Rank 16: Value Selected by System is greater than $25000.]]></Message>
1075
+ <Message Type="Findings" RuleId="12106" RulesetId="27"><![CDATA[Missing Data: Current Unpaid Balance.]]></Message>
1076
+ <Message Type="Findings" RuleId="12115" RulesetId="27"><![CDATA[Missing Data: Current BK Chapter.]]></Message>
1077
+ <Message Type="Findings" RuleId="12139" RulesetId="22"><![CDATA[Highest Ranked: None]]></Message>
1078
+ </Messages>
1079
+ <DerivedParameters>
1080
+ <DPM Name="Repayment Rank 12" Type="DSM" Order="0" ProductType="6">Insufficient Data</DPM>
1081
+ <DPM Name="Highest Ranked Program Loan Qualified For" Type="DSM" Order="0" ProductType="6">None</DPM>
1082
+ <DPM Name="Original Loan Amount" Type="DSM" Order="0" ProductType="4">100470</DPM>
1083
+ <DPM Name="Perf Low LTV / High Risk Rank 7" Type="DSM" Order="0" ProductType="6">Did not qualify</DPM>
1084
+ <DPM Name="Foreclosure REO Rank 15" Type="DSM" Order="0" ProductType="6">Insufficient Data</DPM>
1085
+ <DPM Name="Recommended Charge Off Rank 16" Type="DSM" Order="0" ProductType="6">Did not qualify</DPM>
1086
+ <DPM Name="Perf High LTV / High Risk Rank 9" Type="DSM" Order="0" ProductType="6">Did not qualify</DPM>
1087
+ <DPM Name="Modification Rank 10" Type="DSM" Order="0" ProductType="6">Insufficient Data</DPM>
1088
+ <DPM Name="Deed In Lieu Rank 13" Type="DSM" Order="0" ProductType="6">Insufficient Data</DPM>
1089
+ <DPM Name="Lien Number Tmp" Type="DSM" Order="0" ProductType="4">1</DPM>
1090
+ <DPM Name="Current BK Chapter Tmp" Type="DSM" Order="0" ProductType="6">BADDATA</DPM>
1091
+ <DPM Name="Perf Low LTV Rank 6" Type="DSM" Order="0" ProductType="6">Did not qualify</DPM>
1092
+ <DPM Name="Current UPB" Type="DSM" Order="0" ProductType="4" />
1093
+ <DPM Name="HAMP Prequal Rank 5" Type="DSM" Order="0" ProductType="6">Insufficient Data</DPM>
1094
+ <DPM Name="Perf High LTV Rank 8" Type="DSM" Order="0" ProductType="6">Did not qualify</DPM>
1095
+ <DPM Name="Decision" Type="DSM" Order="0" ProductType="6">Pass</DPM>
1096
+ <DPM Name="Jumbo Conforming Rank 2" Type="DSM" Order="0" ProductType="6">Did not qualify</DPM>
1097
+ <DPM Name="FHA-FHA Refinance Rank 3" Type="DSM" Order="0" ProductType="6">Did not qualify</DPM>
1098
+ <DPM Name="Currently Listed Tmp" Type="DSM" Order="0" ProductType="6">N</DPM>
1099
+ <DPM Name="Short Sale Rank 14" Type="DSM" Order="0" ProductType="6">Did not qualify</DPM>
1100
+ <DPM Name="Forbearance Rank 11" Type="DSM" Order="0" ProductType="6">Insufficient Data</DPM>
1101
+ <DPM Name="Hope for Homeowners Rank 4" Type="DSM" Order="0" ProductType="6">Did not qualify</DPM>
1102
+ <DPM Name="GSE Eligible Rank 1" Type="DSM" Order="0" ProductType="6">Did not qualify</DPM>
1103
+ <DPM Name="DTI Front End" Type="DPM" Order="0" ProductType="4" />
1104
+ <DPM Name="Credit Drift" Type="DPM" Order="0" ProductType="4">30</DPM>
1105
+ <DPM Name="Property State Abbrev" Type="DPM" Order="0" ProductType="6">All</DPM>
1106
+ <DPM Name="Latest Representative Score" Type="DPM" Order="0" ProductType="4">632</DPM>
1107
+ <DPM Name="No of Units" Type="DPM" Order="0" ProductType="4">1</DPM>
1108
+ <DPM Name="LTV" Type="DPM" Order="0" ProductType="4">58.09</DPM>
1109
+ <DPM Name="Current REO Flag" Type="DPM" Order="0" ProductType="6">No</DPM>
1110
+ <DPM Name="Value Selected By System" Type="DPM" Order="0" ProductType="4">140000</DPM>
1111
+ <DPM Name="DTI Back End" Type="DPM" Order="0" ProductType="4">28.9</DPM>
1112
+ <DPM Name="Mortgage Owner" Type="DPM" Order="0" ProductType="6" />
1113
+ <DPM Name="Bankruptcy Status" Type="DPM" Order="0" ProductType="6">PlanConfirmed</DPM>
1114
+ <DPM Name="Current BK Chapter" Type="DPM" Order="0" ProductType="6">Not Applicable</DPM>
1115
+ <DPM Name="Property Type" Type="DPM" Order="0" ProductType="6">SingleFamily</DPM>
1116
+ <DPM Name="Note Date" Type="DPM" Order="0" ProductType="2">11/1/1995</DPM>
1117
+ </DerivedParameters>
1118
+ </Decision>
1119
+
1120
+
1121
+ ******************************CalculateAppParam: Application InputXML*****************
1122
+
1123
+
1124
+ <DECISION_REQUEST><APPLICATION ApplicationID="41286" OrganizationID="3" CreatedDate="04/20/2010" ModifiedDate="04/23/2010" Summary="Batch Upload Application" User="DGreene" SpouseIncludeFlag="N" SpouseQualFlag="N" JointFlag="N" UserID="6" UserName="Derick Greene" OrganizationName="Transaction Mgmt" ManualCredit="N" UserTypeId="" Source="Internal" ActName="Clayton" InBankruptcy="N" BackRatio="41.6000"><ORGANIZATION OrganizationID="3" APP_ORG_ID="3" UDFInt1="0" UDFInt2="0" UDFInt3="0" UDFInt4="0" UDFInt5="0" UDFStr1="" UDFStr2="" UDFStr3="" UDFStr4="" UDFStr5=""/><USER UserID="6" APP_USER_ID="6" IsSupervisor="1" UDFInt1="0" UDFInt2="0" UDFInt3="0" UDFInt4="0" UDFInt5="0" UDFStr1="" UDFStr2="" UDFStr3="" UDFStr4="" UDFStr5="" SubmittedUser="Derick Greene" SubmittedOrganization="Transaction Mgmt" SubmittedOrigin="Internal"/><APPLICATIONTEAM><APPLICATIONTEAM_USER FirstName="Derick" LastName="Greene" OrganizationName="Transaction Mgmt" OriginType="Internal" UserType="Originator" UserID="6" ATM_ID="38119"><APPLICATIONTEAM_USER_ORGANIZATION Address="" City="" Zip="" PhoneNumber="" ATM_USER_ID="6" OrganizationID="3"/></APPLICATIONTEAM_USER></APPLICATIONTEAM><APPLICANTS><APPLICANT BorrowerID="76281" IsPrimary="Y" Score="642" ForeignNationalIndicator="N" App1003ID="143" APA_1003_PRIMARY="1"><EMPLOYMENTS><EMPLOYMENT EmploymentID="152741" IsSelfEmployed="N" Type="Primary" EPM_ISRELATIVE_FLAG="0" Retired="0" W2="Y"/><EMPLOYMENT EmploymentID="154741" IsSelfEmployed="N" Type="Previous" EPM_ISRELATIVE_FLAG="0" Retired="0" W2="Y"/></EMPLOYMENTS><RESIDENCES><RESIDENCE ResidenceID="38218" IsPresent="Y" IsMailing="N"/></RESIDENCES></APPLICANT><APPLICANT BorrowerID="77281" IsPrimary="N" ForeignNationalIndicator="N" App1003ID="143" APA_1003_PRIMARY="0"><EMPLOYMENTS><EMPLOYMENT EmploymentID="153741" IsSelfEmployed="N" Type="Primary" EPM_ISRELATIVE_FLAG="0" Retired="0" W2="Y"/><EMPLOYMENT EmploymentID="155741" IsSelfEmployed="N" Type="Previous" EPM_ISRELATIVE_FLAG="0" Retired="0" W2="Y"/></EMPLOYMENTS></APPLICANT></APPLICANTS><ASSETS/><EXPENSES><EXPENSE ExpenseID="38133" IsCurrent="Y" Type="HomeownerAssociationDues" BorrowerID="76281" IsDiscretionary="N"><APPLICANTS><APPLICANT ApplicantIDREF="76281" IsPrimary="Y"/></APPLICANTS></EXPENSE></EXPENSES><PARAMETERS><PPM Name="Credit Drift" Value="106"/><PPM Name="Current BK Chapter UDF" Value="Not Applicable"/><PPM Name="Currently Listed UDF" Value="No"/><PPM Name="In REO UDF" Value="No"/><PPM Name="Lien Number UDF" Value="1"/><PPM Name="LTV" Value="39.96"/><PPM Name="ManualCredit" Value="Y"/></PARAMETERS><LOANS><LOAN LoanID="38119" Rate="6.5000" LienNumber="1" ComboFlag="N" LienType="1st" HighOverDueActivities="0" MediumOverDueActivities="0" LowOverDueActivities="0" LoanStage="Unknown" CurrentStage="00-New Casefile" OriginalLoanAmount="100750.0000" SellerLoanNumber="10000051" OpenConditionCount="0" OpenConditionPriorToProcessingCount="0" OpenConditionPriorToSubmissionCount="0" OpenConditionPriorToQualificationCount="0" OpenConditionPriorToTrialPeriodCount="0" OpenConditionPriorToLoanModificationCount="0" OpenConditionPriorToOversightCount="0" IOIndicator="N" NoteDate="10/01/1997" PayArrearagesAtOnceWithLiqAssets="N" PayArrearagesInInstmntWithLiqAssets="N" FNMAHomeSaverNote="N" CurrentlyInLoanMod="N" PreviousModifiedUnderHMP="N" BorrowerAgreesEscrowSetup="N" Approval="N" PriorLoanMod="N"><DEFAULT AbilityToResumeCurrentMtgPmt="N"/><INVESTOR/><SERVICER/><LISTINGAGENT/><AFTERMOD/><OTHERLOAN IOIndicator="N"/><OVERRIDES/></LOAN></LOANS><COLLATERALS><COLLATERAL CollID="38187" Units="1" RealEstateType="SingleFamily" HomeOwnershipType="PrimaryResidence" LoanID="38119" NonWarrantableCondo="0" HomeOwnershipTypeID="1" HUDRepo="0" ModelHomeLeaseback="0" InheritedProperty="0" ValidAVM="N" ValidFlood="N" Occupied="N" Listed="N" Condition="Excellent" OccupancyStatus="BorrowerOccupied"><VALUATION AsIsValue="215000.0000"/><SHORTSALE/></COLLATERAL></COLLATERALS></APPLICATION></DECISION_REQUEST>
1125
+
1126
+
1127
+ ****Product XML
1128
+
1129
+ <PRODUCTS><PRODUCT ProductID="1" Name="TM Stratification" Program="TM Stratification" ProgramDisplayName="TM Stratification" ProgramID="1" Rate="0.0000" MortgageTypeID="1" Duration="0" IsAssumable="0" IsBiWeekly="0" IsPrepayPenalty="0" IsChallenger="0" MaxLTV="200" MaxCLTV="200" MaxLoanAmount="99999999.0000" FirstRateAdjustmentCap="0" RateAdjustmentCap="0" RateLifetimeCap="0" RateMargin="0" RateIndex="0" RateFloor="0" PaymentAdjustment="0" PaymentAdjustmentCap="0" AmortizationType="Fixed" ProductType="Mortgage" MortgageType="ConventionalwithPMI" POSGuidelineId="1" GuidelineName="TM-Stratification Program Guideline" UWGuidelineID="1" UWGuidelineName="TM-Stratification Program Guideline" POSGuidelineName="TM-Stratification Program Guideline" AUSSource="CQDS" /></PRODUCTS>
1130
+
1131
+
1132
+ PRIMARY PARAMETER VALUES
1133
+ ******************************PRODUCT PARAMETERS *************************
1134
+
1135
+ <PARAMS><_DATA_SET _Name='BORROWER CURRENT FICO' _Value='642'/><_DATA_SET _Name='FORECLOSURE STATUS' _Value=''/><_DATA_SET _Name='PROGRAM NAME' _Value='TM Stratification'/><_DATA_SET _Name='IN REO UDF' _Value='No'/><_DATA_SET _Name='LOAN AMOUNT' _Value=''/><_DATA_SET _Name='LIEN NUMBER UDF' _Value='1'/><_DATA_SET _Name='MORTGAGE OWNER' _Value=''/><_DATA_SET _Name='PROPERTY CONDITION' _Value='Excellent'/><_DATA_SET _Name='LTV' _Value='39.96'/><_DATA_SET _Name='PROPERTY TYPE' _Value='SingleFamily'/><_DATA_SET _Name='NO. OF UNITS' _Value='1'/><_DATA_SET _Name='STATE OF THE SUBJECT PROPERTY' _Value=''/><_DATA_SET _Name='FRONT RATIO' _Value=''/><_DATA_SET _Name='NOTE DATE' _Value='10/1/1997 12:00:00 AM'/><_DATA_SET _Name='CREDIT DRIFT' _Value='106'/><_DATA_SET _Name='ORIGINAL LOAN AMOUNT' _Value='100750'/><_DATA_SET _Name='PROPERTY VALUATION AS IS' _Value='215000'/><_DATA_SET _Name='BANKRUPTCY STATUS' _Value=''/><_DATA_SET _Name='OCCUPANCY' _Value='PrimaryResidence'/><_DATA_SET _Name='PROPERTY OCCUPANCY STATUS' _Value='BorrowerOccupied'/><_DATA_SET _Name='CURRENT BK CHAPTER UDF' _Value='Not Applicable'/><_DATA_SET _Name='LOAN TERM' _Value='0'/><_DATA_SET _Name='BACK RATIO' _Value='41.6'/><_DATA_SET _Name='IR' _Value='6.5'/><_DATA_SET _Name='CURRENTLY LISTED UDF' _Value='No'/></PARAMS>
1136
+ ******************************Decisioned at 4/23/2010 9:36:03 AM***************
1137
+
1138
+ ****************************** Primary Parameters *****************************
1139
+
1140
+
1141
+
1142
+ ******************************Guideline*******************************************
1143
+
1144
+ <Guideline Id=1 Name= Version=0/>
1145
+
1146
+ <Rules />
1147
+ <Decision GuidelineId="1" Rulecount="0" ExecutionTime="4/23/2010 9:36:03 AM" ExecutionResult="True">
1148
+ <Messages>
1149
+ <Message Type="Findings" RuleId="12158" RulesetId="6"><![CDATA[GSE Eligible Rank 1: Latest Representative Score of 642 is less than 660.]]></Message>
1150
+ <Message Type="Findings" RuleId="12220" RulesetId="2"><![CDATA[Jumbo Conforming Rank 2: Original Loan Amount of $100750 is less than $417000.]]></Message>
1151
+ <Message Type="Findings" RuleId="12229" RulesetId="2"><![CDATA[Jumbo Conforming Rank 2: Latest Representative Score of 642 is less than 699 required for Owner Occupied properties with LTV of 39.96%. ]]></Message>
1152
+ <Message Type="Findings" RuleId="12230" RulesetId="2"><![CDATA[Jumbo Conforming Rank 2: Latest Representative Score of 642 is less than 700 required for Owner Occupied properties with LTV of 39.96%. ]]></Message>
1153
+ <Message Type="Findings" RuleId="12242" RulesetId="9"><![CDATA[Hope for Homeowners Rank 4: Origination Date should be on or after 1/01/2008.]]></Message>
1154
+ <Message Type="Findings" RuleId="12178" RulesetId="11"><![CDATA[Perf Low LTV/High Risk Rank 7: Latest Representative Score of 642 is >= than 500.]]></Message>
1155
+ <Message Type="Findings" RuleId="12183" RulesetId="11"><![CDATA[Perf Low LTV/High Risk Rank 7: Credit Drift is better than -75.]]></Message>
1156
+ <Message Type="Findings" RuleId="12097" RulesetId="14"><![CDATA[Perf High LTV Rank 8: LTV of 39.96% is less than or equal to 100%.]]></Message>
1157
+ <Message Type="Findings" RuleId="12090" RulesetId="13"><![CDATA[Perf High LTV/High Risk Rank 9: LTV of 39.96% is less than or equal to 100%.]]></Message>
1158
+ <Message Type="Findings" RuleId="12091" RulesetId="13"><![CDATA[Perf High LTV/High Risk Rank 9: Latest Representative Score of 642 is >= than 500.]]></Message>
1159
+ <Message Type="Findings" RuleId="12096" RulesetId="13"><![CDATA[Perf Low LTV/High Risk Rank 7: Credit Drift is better than -75.]]></Message>
1160
+ <Message Type="Findings" RuleId="12254" RulesetId="15"><![CDATA[Modification Rank 10: Current Interest Rate is less than 7.1%.]]></Message>
1161
+ <Message Type="Findings" RuleId="12188" RulesetId="19"><![CDATA[Deed In Lieu Rank 13: LTV of 39.96% is less than 130%]]></Message>
1162
+ <Message Type="Findings" RuleId="12119" RulesetId="16"><![CDATA[Short Sale Rank 14: Property not listed for sale.]]></Message>
1163
+ <Message Type="Findings" RuleId="12264" RulesetId="21"><![CDATA[Recommended Charge Off Rank 16: Loan Currently in Bankruptcy. (Current Chapter)]]></Message>
1164
+ <Message Type="Findings" RuleId="12267" RulesetId="21"><![CDATA[Recommended Charge Off Rank 16: Value Selected by System is greater than $25000.]]></Message>
1165
+ <Message Type="Findings" RuleId="12106" RulesetId="27"><![CDATA[Missing Data: Current Unpaid Balance.]]></Message>
1166
+ <Message Type="Findings" RuleId="12115" RulesetId="27"><![CDATA[Missing Data: Current BK Chapter.]]></Message>
1167
+ <Message Type="Findings" RuleId="12125" RulesetId="22"><![CDATA[Highest Ranked: FHA-FHA Refinance]]></Message>
1168
+ </Messages>
1169
+ <DerivedParameters>
1170
+ <DPM Name="Repayment Rank 12" Type="DSM" Order="0" ProductType="6">Insufficient Data</DPM>
1171
+ <DPM Name="Highest Ranked Program Loan Qualified For" Type="DSM" Order="0" ProductType="6">FHA-FHA Refinance</DPM>
1172
+ <DPM Name="Original Loan Amount" Type="DSM" Order="0" ProductType="4">100750</DPM>
1173
+ <DPM Name="Perf Low LTV / High Risk Rank 7" Type="DSM" Order="0" ProductType="6">Did not qualify</DPM>
1174
+ <DPM Name="Foreclosure REO Rank 15" Type="DSM" Order="0" ProductType="6">Insufficient Data</DPM>
1175
+ <DPM Name="Recommended Charge Off Rank 16" Type="DSM" Order="0" ProductType="6">Did not qualify</DPM>
1176
+ <DPM Name="Perf High LTV / High Risk Rank 9" Type="DSM" Order="0" ProductType="6">Did not qualify</DPM>
1177
+ <DPM Name="Modification Rank 10" Type="DSM" Order="0" ProductType="6">Insufficient Data</DPM>
1178
+ <DPM Name="Deed In Lieu Rank 13" Type="DSM" Order="0" ProductType="6">Insufficient Data</DPM>
1179
+ <DPM Name="Lien Number Tmp" Type="DSM" Order="0" ProductType="4">1</DPM>
1180
+ <DPM Name="Current BK Chapter Tmp" Type="DSM" Order="0" ProductType="6">BADDATA</DPM>
1181
+ <DPM Name="Perf Low LTV Rank 6" Type="DSM" Order="0" ProductType="6">Qualifies</DPM>
1182
+ <DPM Name="Current UPB" Type="DSM" Order="0" ProductType="4" />
1183
+ <DPM Name="HAMP Prequal Rank 5" Type="DSM" Order="0" ProductType="6">Insufficient Data</DPM>
1184
+ <DPM Name="Perf High LTV Rank 8" Type="DSM" Order="0" ProductType="6">Did not qualify</DPM>
1185
+ <DPM Name="Decision" Type="DSM" Order="0" ProductType="6">Pass</DPM>
1186
+ <DPM Name="Jumbo Conforming Rank 2" Type="DSM" Order="0" ProductType="6">Did not qualify</DPM>
1187
+ <DPM Name="FHA-FHA Refinance Rank 3" Type="DSM" Order="0" ProductType="6">Qualifies</DPM>
1188
+ <DPM Name="Currently Listed Tmp" Type="DSM" Order="0" ProductType="6">N</DPM>
1189
+ <DPM Name="Short Sale Rank 14" Type="DSM" Order="0" ProductType="6">Did not qualify</DPM>
1190
+ <DPM Name="Forbearance Rank 11" Type="DSM" Order="0" ProductType="6">Insufficient Data</DPM>
1191
+ <DPM Name="Hope for Homeowners Rank 4" Type="DSM" Order="0" ProductType="6">Did not qualify</DPM>
1192
+ <DPM Name="GSE Eligible Rank 1" Type="DSM" Order="0" ProductType="6">Did not qualify</DPM>
1193
+ <DPM Name="DTI Front End" Type="DPM" Order="0" ProductType="4" />
1194
+ <DPM Name="Credit Drift" Type="DPM" Order="0" ProductType="4">106</DPM>
1195
+ <DPM Name="Property State Abbrev" Type="DPM" Order="0" ProductType="6">All</DPM>
1196
+ <DPM Name="Latest Representative Score" Type="DPM" Order="0" ProductType="4">642</DPM>
1197
+ <DPM Name="No of Units" Type="DPM" Order="0" ProductType="4">1</DPM>
1198
+ <DPM Name="LTV" Type="DPM" Order="0" ProductType="4">39.96</DPM>
1199
+ <DPM Name="Current REO Flag" Type="DPM" Order="0" ProductType="6">No</DPM>
1200
+ <DPM Name="Value Selected By System" Type="DPM" Order="0" ProductType="4">215000</DPM>
1201
+ <DPM Name="DTI Back End" Type="DPM" Order="0" ProductType="4">41.6</DPM>
1202
+ <DPM Name="Mortgage Owner" Type="DPM" Order="0" ProductType="6" />
1203
+ <DPM Name="Bankruptcy Status" Type="DPM" Order="0" ProductType="6" />
1204
+ <DPM Name="Current BK Chapter" Type="DPM" Order="0" ProductType="6">Not Applicable</DPM>
1205
+ <DPM Name="Property Type" Type="DPM" Order="0" ProductType="6">SingleFamily</DPM>
1206
+ <DPM Name="Note Date" Type="DPM" Order="0" ProductType="2">10/1/1997</DPM>
1207
+ </DerivedParameters>
1208
+ </Decision>
1209
+
1210
+
1211
+ ******************************CalculateAppParam: Application InputXML*****************
1212
+
1213
+
1214
+ <DECISION_REQUEST><APPLICATION ApplicationID="41287" OrganizationID="3" CreatedDate="04/20/2010" ModifiedDate="04/23/2010" Summary="Batch Upload Application" User="DGreene" SpouseIncludeFlag="N" SpouseQualFlag="N" JointFlag="N" UserID="6" UserName="Derick Greene" OrganizationName="Transaction Mgmt" ManualCredit="N" UserTypeId="" Source="Internal" ActName="Clayton" InBankruptcy="N" BackRatio="35.1000"><ORGANIZATION OrganizationID="3" APP_ORG_ID="3" UDFInt1="0" UDFInt2="0" UDFInt3="0" UDFInt4="0" UDFInt5="0" UDFStr1="" UDFStr2="" UDFStr3="" UDFStr4="" UDFStr5=""/><USER UserID="6" APP_USER_ID="6" IsSupervisor="1" UDFInt1="0" UDFInt2="0" UDFInt3="0" UDFInt4="0" UDFInt5="0" UDFStr1="" UDFStr2="" UDFStr3="" UDFStr4="" UDFStr5="" SubmittedUser="Derick Greene" SubmittedOrganization="Transaction Mgmt" SubmittedOrigin="Internal"/><APPLICATIONTEAM><APPLICATIONTEAM_USER FirstName="Derick" LastName="Greene" OrganizationName="Transaction Mgmt" OriginType="Internal" UserType="Originator" UserID="6" ATM_ID="38120"><APPLICATIONTEAM_USER_ORGANIZATION Address="" City="" Zip="" PhoneNumber="" ATM_USER_ID="6" OrganizationID="3"/></APPLICATIONTEAM_USER></APPLICATIONTEAM><APPLICANTS><APPLICANT BorrowerID="77282" IsPrimary="N" ForeignNationalIndicator="N" App1003ID="143" APA_1003_PRIMARY="0"><EMPLOYMENTS><EMPLOYMENT EmploymentID="153742" IsSelfEmployed="N" Type="Primary" EPM_ISRELATIVE_FLAG="0" Retired="0" W2="Y"/><EMPLOYMENT EmploymentID="155742" IsSelfEmployed="N" Type="Previous" EPM_ISRELATIVE_FLAG="0" Retired="0" W2="Y"/></EMPLOYMENTS></APPLICANT><APPLICANT BorrowerID="76282" IsPrimary="Y" Score="644" ForeignNationalIndicator="N" App1003ID="143" APA_1003_PRIMARY="1"><EMPLOYMENTS><EMPLOYMENT EmploymentID="152742" IsSelfEmployed="N" Type="Primary" EPM_ISRELATIVE_FLAG="0" Retired="0" W2="Y"/><EMPLOYMENT EmploymentID="154742" IsSelfEmployed="N" Type="Previous" EPM_ISRELATIVE_FLAG="0" Retired="0" W2="Y"/></EMPLOYMENTS><RESIDENCES><RESIDENCE ResidenceID="38219" IsPresent="Y" IsMailing="N"/></RESIDENCES></APPLICANT></APPLICANTS><ASSETS/><EXPENSES><EXPENSE ExpenseID="38134" IsCurrent="Y" Type="HomeownerAssociationDues" BorrowerID="76282" IsDiscretionary="N"><APPLICANTS><APPLICANT ApplicantIDREF="76282" IsPrimary="Y"/></APPLICANTS></EXPENSE></EXPENSES><PARAMETERS><PPM Name="Credit Drift" Value="104"/><PPM Name="Current BK Chapter UDF" Value="Not Applicable"/><PPM Name="Currently Listed UDF" Value="No"/><PPM Name="In REO UDF" Value="No"/><PPM Name="Lien Number UDF" Value="1"/><PPM Name="LTV" Value="63.25"/><PPM Name="ManualCredit" Value="Y"/></PARAMETERS><LOANS><LOAN LoanID="38120" Rate="7.6250" LienNumber="1" ComboFlag="N" LienType="1st" HighOverDueActivities="0" MediumOverDueActivities="0" LowOverDueActivities="0" LoanStage="Unknown" CurrentStage="00-New Casefile" OriginalLoanAmount="89550.0000" SellerLoanNumber="10000052" OpenConditionCount="0" OpenConditionPriorToProcessingCount="0" OpenConditionPriorToSubmissionCount="0" OpenConditionPriorToQualificationCount="0" OpenConditionPriorToTrialPeriodCount="0" OpenConditionPriorToLoanModificationCount="0" OpenConditionPriorToOversightCount="0" IOIndicator="N" NoteDate="01/01/1995" PayArrearagesAtOnceWithLiqAssets="N" PayArrearagesInInstmntWithLiqAssets="N" FNMAHomeSaverNote="N" CurrentlyInLoanMod="N" PreviousModifiedUnderHMP="N" BorrowerAgreesEscrowSetup="N" Approval="N" PriorLoanMod="N"><DEFAULT AbilityToResumeCurrentMtgPmt="N"/><INVESTOR/><SERVICER/><LISTINGAGENT/><AFTERMOD/><OTHERLOAN IOIndicator="N"/><OVERRIDES/></LOAN></LOANS><COLLATERALS><COLLATERAL CollID="38188" Units="1" RealEstateType="SingleFamily" HomeOwnershipType="PrimaryResidence" LoanID="38120" NonWarrantableCondo="0" HomeOwnershipTypeID="1" HUDRepo="0" ModelHomeLeaseback="0" InheritedProperty="0" ValidAVM="N" ValidFlood="N" Occupied="N" Listed="N" Condition="Fair" OccupancyStatus="BorrowerOccupied"><VALUATION AsIsValue="111000.0000"/><SHORTSALE/></COLLATERAL></COLLATERALS></APPLICATION></DECISION_REQUEST>
1215
+
1216
+
1217
+ ****Product XML
1218
+
1219
+ <PRODUCTS><PRODUCT ProductID="1" Name="TM Stratification" Program="TM Stratification" ProgramDisplayName="TM Stratification" ProgramID="1" Rate="0.0000" MortgageTypeID="1" Duration="0" IsAssumable="0" IsBiWeekly="0" IsPrepayPenalty="0" IsChallenger="0" MaxLTV="200" MaxCLTV="200" MaxLoanAmount="99999999.0000" FirstRateAdjustmentCap="0" RateAdjustmentCap="0" RateLifetimeCap="0" RateMargin="0" RateIndex="0" RateFloor="0" PaymentAdjustment="0" PaymentAdjustmentCap="0" AmortizationType="Fixed" ProductType="Mortgage" MortgageType="ConventionalwithPMI" POSGuidelineId="1" GuidelineName="TM-Stratification Program Guideline" UWGuidelineID="1" UWGuidelineName="TM-Stratification Program Guideline" POSGuidelineName="TM-Stratification Program Guideline" AUSSource="CQDS" /></PRODUCTS>
1220
+
1221
+
1222
+ PRIMARY PARAMETER VALUES
1223
+ ******************************PRODUCT PARAMETERS *************************
1224
+
1225
+ <PARAMS><_DATA_SET _Name='BORROWER CURRENT FICO' _Value='644'/><_DATA_SET _Name='FORECLOSURE STATUS' _Value=''/><_DATA_SET _Name='PROGRAM NAME' _Value='TM Stratification'/><_DATA_SET _Name='IN REO UDF' _Value='No'/><_DATA_SET _Name='LOAN AMOUNT' _Value=''/><_DATA_SET _Name='LIEN NUMBER UDF' _Value='1'/><_DATA_SET _Name='MORTGAGE OWNER' _Value=''/><_DATA_SET _Name='PROPERTY CONDITION' _Value='Fair'/><_DATA_SET _Name='LTV' _Value='63.25'/><_DATA_SET _Name='PROPERTY TYPE' _Value='SingleFamily'/><_DATA_SET _Name='NO. OF UNITS' _Value='1'/><_DATA_SET _Name='STATE OF THE SUBJECT PROPERTY' _Value=''/><_DATA_SET _Name='FRONT RATIO' _Value=''/><_DATA_SET _Name='NOTE DATE' _Value='1/1/1995 12:00:00 AM'/><_DATA_SET _Name='CREDIT DRIFT' _Value='104'/><_DATA_SET _Name='ORIGINAL LOAN AMOUNT' _Value='89550'/><_DATA_SET _Name='PROPERTY VALUATION AS IS' _Value='111000'/><_DATA_SET _Name='BANKRUPTCY STATUS' _Value=''/><_DATA_SET _Name='OCCUPANCY' _Value='PrimaryResidence'/><_DATA_SET _Name='PROPERTY OCCUPANCY STATUS' _Value='BorrowerOccupied'/><_DATA_SET _Name='CURRENT BK CHAPTER UDF' _Value='Not Applicable'/><_DATA_SET _Name='LOAN TERM' _Value='0'/><_DATA_SET _Name='BACK RATIO' _Value='35.1'/><_DATA_SET _Name='IR' _Value='7.625'/><_DATA_SET _Name='CURRENTLY LISTED UDF' _Value='No'/></PARAMS>
1226
+ ******************************Decisioned at 4/23/2010 9:36:04 AM***************
1227
+
1228
+ ****************************** Primary Parameters *****************************
1229
+
1230
+
1231
+
1232
+ ******************************Guideline*******************************************
1233
+
1234
+ <Guideline Id=1 Name= Version=0/>
1235
+
1236
+ <Rules />
1237
+ <Decision GuidelineId="1" Rulecount="0" ExecutionTime="4/23/2010 9:36:04 AM" ExecutionResult="True">
1238
+ <Messages>
1239
+ <Message Type="Findings" RuleId="12158" RulesetId="6"><![CDATA[GSE Eligible Rank 1: Latest Representative Score of 644 is less than 660.]]></Message>
1240
+ <Message Type="Findings" RuleId="12220" RulesetId="2"><![CDATA[Jumbo Conforming Rank 2: Original Loan Amount of $89550 is less than $417000.]]></Message>
1241
+ <Message Type="Findings" RuleId="12229" RulesetId="2"><![CDATA[Jumbo Conforming Rank 2: Latest Representative Score of 644 is less than 699 required for Owner Occupied properties with LTV of 63.25%. ]]></Message>
1242
+ <Message Type="Findings" RuleId="12230" RulesetId="2"><![CDATA[Jumbo Conforming Rank 2: Latest Representative Score of 644 is less than 700 required for Owner Occupied properties with LTV of 63.25%. ]]></Message>
1243
+ <Message Type="Findings" RuleId="12242" RulesetId="9"><![CDATA[Hope for Homeowners Rank 4: Origination Date should be on or after 1/01/2008.]]></Message>
1244
+ <Message Type="Findings" RuleId="12178" RulesetId="11"><![CDATA[Perf Low LTV/High Risk Rank 7: Latest Representative Score of 644 is >= than 500.]]></Message>
1245
+ <Message Type="Findings" RuleId="12183" RulesetId="11"><![CDATA[Perf Low LTV/High Risk Rank 7: Credit Drift is better than -75.]]></Message>
1246
+ <Message Type="Findings" RuleId="12097" RulesetId="14"><![CDATA[Perf High LTV Rank 8: LTV of 63.25% is less than or equal to 100%.]]></Message>
1247
+ <Message Type="Findings" RuleId="12090" RulesetId="13"><![CDATA[Perf High LTV/High Risk Rank 9: LTV of 63.25% is less than or equal to 100%.]]></Message>
1248
+ <Message Type="Findings" RuleId="12091" RulesetId="13"><![CDATA[Perf High LTV/High Risk Rank 9: Latest Representative Score of 644 is >= than 500.]]></Message>
1249
+ <Message Type="Findings" RuleId="12096" RulesetId="13"><![CDATA[Perf Low LTV/High Risk Rank 7: Credit Drift is better than -75.]]></Message>
1250
+ <Message Type="Findings" RuleId="12211" RulesetId="17"><![CDATA[Repayment Rank 12: Current Interest Rate is greater than 7%.]]></Message>
1251
+ <Message Type="Findings" RuleId="12188" RulesetId="19"><![CDATA[Deed In Lieu Rank 13: LTV of 63.25% is less than 130%]]></Message>
1252
+ <Message Type="Findings" RuleId="12119" RulesetId="16"><![CDATA[Short Sale Rank 14: Property not listed for sale.]]></Message>
1253
+ <Message Type="Findings" RuleId="12264" RulesetId="21"><![CDATA[Recommended Charge Off Rank 16: Loan Currently in Bankruptcy. (Current Chapter)]]></Message>
1254
+ <Message Type="Findings" RuleId="12267" RulesetId="21"><![CDATA[Recommended Charge Off Rank 16: Value Selected by System is greater than $25000.]]></Message>
1255
+ <Message Type="Findings" RuleId="12106" RulesetId="27"><![CDATA[Missing Data: Current Unpaid Balance.]]></Message>
1256
+ <Message Type="Findings" RuleId="12115" RulesetId="27"><![CDATA[Missing Data: Current BK Chapter.]]></Message>
1257
+ <Message Type="Findings" RuleId="12125" RulesetId="22"><![CDATA[Highest Ranked: FHA-FHA Refinance]]></Message>
1258
+ </Messages>
1259
+ <DerivedParameters>
1260
+ <DPM Name="Repayment Rank 12" Type="DSM" Order="0" ProductType="6">Insufficient Data</DPM>
1261
+ <DPM Name="Highest Ranked Program Loan Qualified For" Type="DSM" Order="0" ProductType="6">FHA-FHA Refinance</DPM>
1262
+ <DPM Name="Original Loan Amount" Type="DSM" Order="0" ProductType="4">89550</DPM>
1263
+ <DPM Name="Perf Low LTV / High Risk Rank 7" Type="DSM" Order="0" ProductType="6">Did not qualify</DPM>
1264
+ <DPM Name="Foreclosure REO Rank 15" Type="DSM" Order="0" ProductType="6">Insufficient Data</DPM>
1265
+ <DPM Name="Recommended Charge Off Rank 16" Type="DSM" Order="0" ProductType="6">Did not qualify</DPM>
1266
+ <DPM Name="Perf High LTV / High Risk Rank 9" Type="DSM" Order="0" ProductType="6">Did not qualify</DPM>
1267
+ <DPM Name="Modification Rank 10" Type="DSM" Order="0" ProductType="6">Insufficient Data</DPM>
1268
+ <DPM Name="Deed In Lieu Rank 13" Type="DSM" Order="0" ProductType="6">Insufficient Data</DPM>
1269
+ <DPM Name="Lien Number Tmp" Type="DSM" Order="0" ProductType="4">1</DPM>
1270
+ <DPM Name="Current BK Chapter Tmp" Type="DSM" Order="0" ProductType="6">BADDATA</DPM>
1271
+ <DPM Name="Perf Low LTV Rank 6" Type="DSM" Order="0" ProductType="6">Qualifies</DPM>
1272
+ <DPM Name="Current UPB" Type="DSM" Order="0" ProductType="4" />
1273
+ <DPM Name="HAMP Prequal Rank 5" Type="DSM" Order="0" ProductType="6">Insufficient Data</DPM>
1274
+ <DPM Name="Perf High LTV Rank 8" Type="DSM" Order="0" ProductType="6">Did not qualify</DPM>
1275
+ <DPM Name="Decision" Type="DSM" Order="0" ProductType="6">Pass</DPM>
1276
+ <DPM Name="Jumbo Conforming Rank 2" Type="DSM" Order="0" ProductType="6">Did not qualify</DPM>
1277
+ <DPM Name="FHA-FHA Refinance Rank 3" Type="DSM" Order="0" ProductType="6">Qualifies</DPM>
1278
+ <DPM Name="Currently Listed Tmp" Type="DSM" Order="0" ProductType="6">N</DPM>
1279
+ <DPM Name="Short Sale Rank 14" Type="DSM" Order="0" ProductType="6">Did not qualify</DPM>
1280
+ <DPM Name="Forbearance Rank 11" Type="DSM" Order="0" ProductType="6">Insufficient Data</DPM>
1281
+ <DPM Name="Hope for Homeowners Rank 4" Type="DSM" Order="0" ProductType="6">Did not qualify</DPM>
1282
+ <DPM Name="GSE Eligible Rank 1" Type="DSM" Order="0" ProductType="6">Did not qualify</DPM>
1283
+ <DPM Name="DTI Front End" Type="DPM" Order="0" ProductType="4" />
1284
+ <DPM Name="Credit Drift" Type="DPM" Order="0" ProductType="4">104</DPM>
1285
+ <DPM Name="Property State Abbrev" Type="DPM" Order="0" ProductType="6">All</DPM>
1286
+ <DPM Name="Latest Representative Score" Type="DPM" Order="0" ProductType="4">644</DPM>
1287
+ <DPM Name="No of Units" Type="DPM" Order="0" ProductType="4">1</DPM>
1288
+ <DPM Name="LTV" Type="DPM" Order="0" ProductType="4">63.25</DPM>
1289
+ <DPM Name="Current REO Flag" Type="DPM" Order="0" ProductType="6">No</DPM>
1290
+ <DPM Name="Value Selected By System" Type="DPM" Order="0" ProductType="4">111000</DPM>
1291
+ <DPM Name="DTI Back End" Type="DPM" Order="0" ProductType="4">35.1</DPM>
1292
+ <DPM Name="Mortgage Owner" Type="DPM" Order="0" ProductType="6" />
1293
+ <DPM Name="Bankruptcy Status" Type="DPM" Order="0" ProductType="6" />
1294
+ <DPM Name="Current BK Chapter" Type="DPM" Order="0" ProductType="6">Not Applicable</DPM>
1295
+ <DPM Name="Property Type" Type="DPM" Order="0" ProductType="6">SingleFamily</DPM>
1296
+ <DPM Name="Note Date" Type="DPM" Order="0" ProductType="2">1/1/1995</DPM>
1297
+ </DerivedParameters>
1298
+ </Decision>
1299
+
1300
+
1301
+ ******************************CalculateAppParam: Application InputXML*****************
1302
+
1303
+
1304
+ <DECISION_REQUEST><APPLICATION ApplicationID="41288" OrganizationID="3" CreatedDate="04/20/2010" ModifiedDate="04/23/2010" Summary="Batch Upload Application" User="DGreene" SpouseIncludeFlag="N" SpouseQualFlag="N" JointFlag="N" UserID="6" UserName="Derick Greene" OrganizationName="Transaction Mgmt" ManualCredit="N" UserTypeId="" Source="Internal" ActName="Clayton" InBankruptcy="N" BackRatio="38.2000"><ORGANIZATION OrganizationID="3" APP_ORG_ID="3" UDFInt1="0" UDFInt2="0" UDFInt3="0" UDFInt4="0" UDFInt5="0" UDFStr1="" UDFStr2="" UDFStr3="" UDFStr4="" UDFStr5=""/><USER UserID="6" APP_USER_ID="6" IsSupervisor="1" UDFInt1="0" UDFInt2="0" UDFInt3="0" UDFInt4="0" UDFInt5="0" UDFStr1="" UDFStr2="" UDFStr3="" UDFStr4="" UDFStr5="" SubmittedUser="Derick Greene" SubmittedOrganization="Transaction Mgmt" SubmittedOrigin="Internal"/><APPLICATIONTEAM><APPLICATIONTEAM_USER FirstName="Derick" LastName="Greene" OrganizationName="Transaction Mgmt" OriginType="Internal" UserType="Originator" UserID="6" ATM_ID="38121"><APPLICATIONTEAM_USER_ORGANIZATION Address="" City="" Zip="" PhoneNumber="" ATM_USER_ID="6" OrganizationID="3"/></APPLICATIONTEAM_USER></APPLICATIONTEAM><APPLICANTS><APPLICANT BorrowerID="76283" IsPrimary="Y" Score="672" ForeignNationalIndicator="N" App1003ID="143" APA_1003_PRIMARY="1"><EMPLOYMENTS><EMPLOYMENT EmploymentID="152743" IsSelfEmployed="N" Type="Primary" EPM_ISRELATIVE_FLAG="0" Retired="0" W2="Y"/><EMPLOYMENT EmploymentID="154743" IsSelfEmployed="N" Type="Previous" EPM_ISRELATIVE_FLAG="0" Retired="0" W2="Y"/></EMPLOYMENTS><RESIDENCES><RESIDENCE ResidenceID="38220" IsPresent="Y" IsMailing="N"/></RESIDENCES></APPLICANT><APPLICANT BorrowerID="77283" IsPrimary="N" ForeignNationalIndicator="N" App1003ID="143" APA_1003_PRIMARY="0"><EMPLOYMENTS><EMPLOYMENT EmploymentID="153743" IsSelfEmployed="N" Type="Primary" EPM_ISRELATIVE_FLAG="0" Retired="0" W2="Y"/><EMPLOYMENT EmploymentID="155743" IsSelfEmployed="N" Type="Previous" EPM_ISRELATIVE_FLAG="0" Retired="0" W2="Y"/></EMPLOYMENTS></APPLICANT></APPLICANTS><ASSETS/><EXPENSES><EXPENSE ExpenseID="38135" IsCurrent="Y" Type="HomeownerAssociationDues" BorrowerID="76283" IsDiscretionary="N"><APPLICANTS><APPLICANT ApplicantIDREF="76283" IsPrimary="Y"/></APPLICANTS></EXPENSE></EXPENSES><PARAMETERS><PPM Name="Credit Drift" Value="60"/><PPM Name="Current BK Chapter UDF" Value="Not Applicable"/><PPM Name="Currently Listed UDF" Value="No"/><PPM Name="In REO UDF" Value="No"/><PPM Name="Lien Number UDF" Value="1"/><PPM Name="LTV" Value="33.88"/><PPM Name="ManualCredit" Value="Y"/></PARAMETERS><LOANS><LOAN LoanID="38121" Rate="6.1250" LienNumber="1" ComboFlag="N" LienType="1st" HighOverDueActivities="0" MediumOverDueActivities="0" LowOverDueActivities="0" LoanStage="Unknown" CurrentStage="00-New Casefile" OriginalLoanAmount="74057.0000" SellerLoanNumber="10000053" OpenConditionCount="0" OpenConditionPriorToProcessingCount="0" OpenConditionPriorToSubmissionCount="0" OpenConditionPriorToQualificationCount="0" OpenConditionPriorToTrialPeriodCount="0" OpenConditionPriorToLoanModificationCount="0" OpenConditionPriorToOversightCount="0" IOIndicator="N" NoteDate="06/01/1993" PayArrearagesAtOnceWithLiqAssets="N" PayArrearagesInInstmntWithLiqAssets="N" FNMAHomeSaverNote="N" CurrentlyInLoanMod="N" PreviousModifiedUnderHMP="N" BorrowerAgreesEscrowSetup="N" Approval="N" PriorLoanMod="N"><DEFAULT AbilityToResumeCurrentMtgPmt="N"/><INVESTOR/><SERVICER/><LISTINGAGENT/><AFTERMOD/><OTHERLOAN IOIndicator="N"/><OVERRIDES/></LOAN></LOANS><COLLATERALS><COLLATERAL CollID="38189" Units="1" RealEstateType="AttachedPUD" HomeOwnershipType="PrimaryResidence" LoanID="38121" NonWarrantableCondo="0" HomeOwnershipTypeID="1" HUDRepo="0" ModelHomeLeaseback="0" InheritedProperty="0" ValidAVM="N" ValidFlood="N" Occupied="N" Listed="N" Condition="Fair" OccupancyStatus="BorrowerOccupied"><VALUATION AsIsValue="160000.0000"/><SHORTSALE/></COLLATERAL></COLLATERALS></APPLICATION></DECISION_REQUEST>
1305
+
1306
+
1307
+ ****Product XML
1308
+
1309
+ <PRODUCTS><PRODUCT ProductID="1" Name="TM Stratification" Program="TM Stratification" ProgramDisplayName="TM Stratification" ProgramID="1" Rate="0.0000" MortgageTypeID="1" Duration="0" IsAssumable="0" IsBiWeekly="0" IsPrepayPenalty="0" IsChallenger="0" MaxLTV="200" MaxCLTV="200" MaxLoanAmount="99999999.0000" FirstRateAdjustmentCap="0" RateAdjustmentCap="0" RateLifetimeCap="0" RateMargin="0" RateIndex="0" RateFloor="0" PaymentAdjustment="0" PaymentAdjustmentCap="0" AmortizationType="Fixed" ProductType="Mortgage" MortgageType="ConventionalwithPMI" POSGuidelineId="1" GuidelineName="TM-Stratification Program Guideline" UWGuidelineID="1" UWGuidelineName="TM-Stratification Program Guideline" POSGuidelineName="TM-Stratification Program Guideline" AUSSource="CQDS" /></PRODUCTS>
1310
+
1311
+
1312
+ PRIMARY PARAMETER VALUES
1313
+ ******************************PRODUCT PARAMETERS *************************
1314
+
1315
+ <PARAMS><_DATA_SET _Name='BORROWER CURRENT FICO' _Value='672'/><_DATA_SET _Name='FORECLOSURE STATUS' _Value=''/><_DATA_SET _Name='PROGRAM NAME' _Value='TM Stratification'/><_DATA_SET _Name='IN REO UDF' _Value='No'/><_DATA_SET _Name='LOAN AMOUNT' _Value=''/><_DATA_SET _Name='LIEN NUMBER UDF' _Value='1'/><_DATA_SET _Name='MORTGAGE OWNER' _Value=''/><_DATA_SET _Name='PROPERTY CONDITION' _Value='Fair'/><_DATA_SET _Name='LTV' _Value='33.88'/><_DATA_SET _Name='PROPERTY TYPE' _Value='AttachedPUD'/><_DATA_SET _Name='NO. OF UNITS' _Value='1'/><_DATA_SET _Name='STATE OF THE SUBJECT PROPERTY' _Value=''/><_DATA_SET _Name='FRONT RATIO' _Value=''/><_DATA_SET _Name='NOTE DATE' _Value='6/1/1993 12:00:00 AM'/><_DATA_SET _Name='CREDIT DRIFT' _Value='60'/><_DATA_SET _Name='ORIGINAL LOAN AMOUNT' _Value='74057'/><_DATA_SET _Name='PROPERTY VALUATION AS IS' _Value='160000'/><_DATA_SET _Name='BANKRUPTCY STATUS' _Value=''/><_DATA_SET _Name='OCCUPANCY' _Value='PrimaryResidence'/><_DATA_SET _Name='PROPERTY OCCUPANCY STATUS' _Value='BorrowerOccupied'/><_DATA_SET _Name='CURRENT BK CHAPTER UDF' _Value='Not Applicable'/><_DATA_SET _Name='LOAN TERM' _Value='0'/><_DATA_SET _Name='BACK RATIO' _Value='38.2'/><_DATA_SET _Name='IR' _Value='6.125'/><_DATA_SET _Name='CURRENTLY LISTED UDF' _Value='No'/></PARAMS>
1316
+ ******************************Decisioned at 4/23/2010 9:36:05 AM***************
1317
+
1318
+ ****************************** Primary Parameters *****************************
1319
+
1320
+
1321
+
1322
+ ******************************Guideline*******************************************
1323
+
1324
+ <Guideline Id=1 Name= Version=0/>
1325
+
1326
+ <Rules />
1327
+ <Decision GuidelineId="1" Rulecount="0" ExecutionTime="4/23/2010 9:36:05 AM" ExecutionResult="True">
1328
+ <Messages>
1329
+ <Message Type="Findings" RuleId="12220" RulesetId="2"><![CDATA[Jumbo Conforming Rank 2: Original Loan Amount of $74057 is less than $417000.]]></Message>
1330
+ <Message Type="Findings" RuleId="12229" RulesetId="2"><![CDATA[Jumbo Conforming Rank 2: Latest Representative Score of 672 is less than 699 required for Owner Occupied properties with LTV of 33.88%. ]]></Message>
1331
+ <Message Type="Findings" RuleId="12230" RulesetId="2"><![CDATA[Jumbo Conforming Rank 2: Latest Representative Score of 672 is less than 700 required for Owner Occupied properties with LTV of 33.88%. ]]></Message>
1332
+ <Message Type="Findings" RuleId="12242" RulesetId="9"><![CDATA[Hope for Homeowners Rank 4: Origination Date should be on or after 1/01/2008.]]></Message>
1333
+ <Message Type="Findings" RuleId="12178" RulesetId="11"><![CDATA[Perf Low LTV/High Risk Rank 7: Latest Representative Score of 672 is >= than 500.]]></Message>
1334
+ <Message Type="Findings" RuleId="12183" RulesetId="11"><![CDATA[Perf Low LTV/High Risk Rank 7: Credit Drift is better than -75.]]></Message>
1335
+ <Message Type="Findings" RuleId="12097" RulesetId="14"><![CDATA[Perf High LTV Rank 8: LTV of 33.88% is less than or equal to 100%.]]></Message>
1336
+ <Message Type="Findings" RuleId="12090" RulesetId="13"><![CDATA[Perf High LTV/High Risk Rank 9: LTV of 33.88% is less than or equal to 100%.]]></Message>
1337
+ <Message Type="Findings" RuleId="12091" RulesetId="13"><![CDATA[Perf High LTV/High Risk Rank 9: Latest Representative Score of 672 is >= than 500.]]></Message>
1338
+ <Message Type="Findings" RuleId="12096" RulesetId="13"><![CDATA[Perf Low LTV/High Risk Rank 7: Credit Drift is better than -75.]]></Message>
1339
+ <Message Type="Findings" RuleId="12254" RulesetId="15"><![CDATA[Modification Rank 10: Current Interest Rate is less than 7.1%.]]></Message>
1340
+ <Message Type="Findings" RuleId="12188" RulesetId="19"><![CDATA[Deed In Lieu Rank 13: LTV of 33.88% is less than 130%]]></Message>
1341
+ <Message Type="Findings" RuleId="12119" RulesetId="16"><![CDATA[Short Sale Rank 14: Property not listed for sale.]]></Message>
1342
+ <Message Type="Findings" RuleId="12264" RulesetId="21"><![CDATA[Recommended Charge Off Rank 16: Loan Currently in Bankruptcy. (Current Chapter)]]></Message>
1343
+ <Message Type="Findings" RuleId="12267" RulesetId="21"><![CDATA[Recommended Charge Off Rank 16: Value Selected by System is greater than $25000.]]></Message>
1344
+ <Message Type="Findings" RuleId="12106" RulesetId="27"><![CDATA[Missing Data: Current Unpaid Balance.]]></Message>
1345
+ <Message Type="Findings" RuleId="12115" RulesetId="27"><![CDATA[Missing Data: Current BK Chapter.]]></Message>
1346
+ <Message Type="Findings" RuleId="12123" RulesetId="22"><![CDATA[Highest Ranked: GSE Eligible]]></Message>
1347
+ </Messages>
1348
+ <DerivedParameters>
1349
+ <DPM Name="Repayment Rank 12" Type="DSM" Order="0" ProductType="6">Insufficient Data</DPM>
1350
+ <DPM Name="Highest Ranked Program Loan Qualified For" Type="DSM" Order="0" ProductType="6">GSE Eligible</DPM>
1351
+ <DPM Name="Original Loan Amount" Type="DSM" Order="0" ProductType="4">74057</DPM>
1352
+ <DPM Name="Perf Low LTV / High Risk Rank 7" Type="DSM" Order="0" ProductType="6">Did not qualify</DPM>
1353
+ <DPM Name="Foreclosure REO Rank 15" Type="DSM" Order="0" ProductType="6">Insufficient Data</DPM>
1354
+ <DPM Name="Recommended Charge Off Rank 16" Type="DSM" Order="0" ProductType="6">Did not qualify</DPM>
1355
+ <DPM Name="Perf High LTV / High Risk Rank 9" Type="DSM" Order="0" ProductType="6">Did not qualify</DPM>
1356
+ <DPM Name="Modification Rank 10" Type="DSM" Order="0" ProductType="6">Insufficient Data</DPM>
1357
+ <DPM Name="Deed In Lieu Rank 13" Type="DSM" Order="0" ProductType="6">Insufficient Data</DPM>
1358
+ <DPM Name="Lien Number Tmp" Type="DSM" Order="0" ProductType="4">1</DPM>
1359
+ <DPM Name="Current BK Chapter Tmp" Type="DSM" Order="0" ProductType="6">BADDATA</DPM>
1360
+ <DPM Name="Perf Low LTV Rank 6" Type="DSM" Order="0" ProductType="6">Qualifies</DPM>
1361
+ <DPM Name="Current UPB" Type="DSM" Order="0" ProductType="4" />
1362
+ <DPM Name="HAMP Prequal Rank 5" Type="DSM" Order="0" ProductType="6">Insufficient Data</DPM>
1363
+ <DPM Name="Perf High LTV Rank 8" Type="DSM" Order="0" ProductType="6">Did not qualify</DPM>
1364
+ <DPM Name="Decision" Type="DSM" Order="0" ProductType="6">Pass</DPM>
1365
+ <DPM Name="Jumbo Conforming Rank 2" Type="DSM" Order="0" ProductType="6">Did not qualify</DPM>
1366
+ <DPM Name="FHA-FHA Refinance Rank 3" Type="DSM" Order="0" ProductType="6">Qualifies</DPM>
1367
+ <DPM Name="Currently Listed Tmp" Type="DSM" Order="0" ProductType="6">N</DPM>
1368
+ <DPM Name="Short Sale Rank 14" Type="DSM" Order="0" ProductType="6">Did not qualify</DPM>
1369
+ <DPM Name="Forbearance Rank 11" Type="DSM" Order="0" ProductType="6">Insufficient Data</DPM>
1370
+ <DPM Name="Hope for Homeowners Rank 4" Type="DSM" Order="0" ProductType="6">Did not qualify</DPM>
1371
+ <DPM Name="GSE Eligible Rank 1" Type="DSM" Order="0" ProductType="6">Qualifies</DPM>
1372
+ <DPM Name="DTI Front End" Type="DPM" Order="0" ProductType="4" />
1373
+ <DPM Name="Credit Drift" Type="DPM" Order="0" ProductType="4">60</DPM>
1374
+ <DPM Name="Property State Abbrev" Type="DPM" Order="0" ProductType="6">All</DPM>
1375
+ <DPM Name="Latest Representative Score" Type="DPM" Order="0" ProductType="4">672</DPM>
1376
+ <DPM Name="No of Units" Type="DPM" Order="0" ProductType="4">1</DPM>
1377
+ <DPM Name="LTV" Type="DPM" Order="0" ProductType="4">33.88</DPM>
1378
+ <DPM Name="Current REO Flag" Type="DPM" Order="0" ProductType="6">No</DPM>
1379
+ <DPM Name="Value Selected By System" Type="DPM" Order="0" ProductType="4">160000</DPM>
1380
+ <DPM Name="DTI Back End" Type="DPM" Order="0" ProductType="4">38.2</DPM>
1381
+ <DPM Name="Mortgage Owner" Type="DPM" Order="0" ProductType="6" />
1382
+ <DPM Name="Bankruptcy Status" Type="DPM" Order="0" ProductType="6" />
1383
+ <DPM Name="Current BK Chapter" Type="DPM" Order="0" ProductType="6">Not Applicable</DPM>
1384
+ <DPM Name="Property Type" Type="DPM" Order="0" ProductType="6">AttachedPUD</DPM>
1385
+ <DPM Name="Note Date" Type="DPM" Order="0" ProductType="2">6/1/1993</DPM>
1386
+ </DerivedParameters>
1387
+ </Decision>
1388
+
1389
+ </Rules>
1390
+
1391
+