Field #

---

CRA Wiz and Fair Lending Wiz 6.x – AUTO File Structure Specs (Updated 7/18/2012) Description Loan/Application Number Date Application Received

Data Type

Field # 1

Field Name APPLNUMB

2

APPLDATE

3 4 5 6 7 8 9 10 11 12 13

LastName FirstName CLastName CFirstName ADDRESS CITY STATE_ABRV ZIP ZIP4 COUNTY CENSUSTRAC

14

Mnrty_Trct

CHAR

15

Trct_Incm_Catg

CHAR

16

INCOME

Applicant First Name Applicant Last Name CoApp First Name CoApp Last Name Applicant Address City State Abbreviation Zip Code Zip 4 Extension County FIPS Code Census Tract FIPS Code

Applicant Income

CHAR DATE VCHAR VCHAR VCHAR VCHAR VCHAR VCHAR CHAR CHAR CHAR CHAR CHAR

DEC

Length Comments 25 Unique identifier 8 Can handle multiple date formats, but mm/dd/yyyy is ideal, NA is also valid 25 25 25 25 40 25 2 i.e. CA (California) 5 4 If Available 3 FIPS Code or NA 7 Include decimals point and leading/ trailing zeros 1 1='<10%' 2='10-19%' 3='20-49%' 4='50-80%' 5='>80%' 6='NA' 1 '1'='LOW' '2'='MODERATE' '3'='MIDDLE' '4'='HIGH' '5'='NA' 9,15,3 Required for Types 04-08 only. CRA regulations require that Income data is rounded to 000s without commas, decimals or leading $

17

LoanAmount

Loan amount

DEC

9,15,3

18

SEX

Applicant Sex

CHAR

1

19

COASEX

Co-Applicant Sex

CHAR

1

20

Marital_Status

CHAR

1

21

DOB

Applicant Date of Birth

DATE

8

22 23

LTV PaymentToIncome

DEC DEC

9,15,2 9,15,2

24

AppCreditScore

DEC

5,5,0

25

CoAppCreditScore

DEC

5,5,0

26

BERatio

Loan-to-value Ratio Payment-to-Income Ratio FICO, Beacon or Custom FICO, Beacon or Custom Back-end Ratio

DEC

9,15,2

signs. Additional space is provided for clients who wish to perform additional analysis on this data. Rounded to 000s w/o commas or NA Values are 1,2,3, or 4: 1 = Male 2 = Female 3 = Not Provided 4 = Not Applicable Values are 1,2,3,4, or 5: 1 = Male 2 = Female 3 = Not Provided 4 = Not Applicable 5 = No Co-applicant 1=Married 2=Single 3=Divorced 4=Other Can handle multiple date formats, but mm/dd/yyyy is ideal, NA is also valid

27

Channel

Channel that did the loan Loan Term APR Note Rate

VCHAR

28 29 30 31

LOAN_TERM APR NoteRate AutoMileage

32 33 34 35

AutoMake AutoModel AutoYear AutoNewUsed

VCHAR VCHAR DEC VCHAR

36 37 38 39 40 41

AutoDealerName AutoDealerNumber AutoDownPayment AutoTradeInValue AutoBookingStatus AutoMonthlyPayment

VCHAR VCHAR DEC DEC VCHAR DEC

INT DEC DEC DEC

15 (Wholesale, Retail, Correspondent) 4 In whole years (rounded up) 5,9,2 5,9,3 10,10,0 Rounded to 00s without commas or decimals 10 25 5,5,0 10 Can also include other collateral types including RV, Boat, or 25 10 9,15,3 9,15,3 10 9,15,3

NOTE: Fields 31-41 are not required, but are highly recommended if available. NOTE: In many cases in the tables above, the Length column displays three values (example: 9,15,3). These values indicate size, precision and scale. Size indicates the number of bytes required in memory. Precision indicates the total allowable length of the field. Scale indicates the number of characters after the decimal point.