Application Event

Application Event

Report type: lkup_application_event

About this export

• This can be considered the “base” export file.
• Contains information about:
  • Loan application
  • Loan applicant
  • Subject property
  • Underwriting and approval
  • Application progress and status
• 1 row per application

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Position	Field Name	Datatype	Mode	Date Added	Definition	Categorical Values	Format Notes	Misc. Notes
1	application_uuid_value	STRING	NON-NULLABLE	2022-09-01			UUID, 36 character
2	application_short_id	STRING	NON-NULLABLE	2022-09-01			Short ID, example 1-111-1111 2 dashes Length of characters between dashes may vary
3	application_start_date	TIMESTAMP	NON-NULLABLE	2022-09-01	Application Start Date
4	application_stage	STRING	NON-NULLABLE	2022-09-01	Current Application Stage	Additional Signers App Start Cancelled Complete Connect Accounts Declined Disbursement Account Frozen Funding Decision HMDA ID Upload Locked Multiple Property Matches No Credit Hit Notary Product Select Property Not Found Recording Rescission SSN Consent Sign Prom Note UW Review Variance
5	application_stage_num	FLOAT	NON-NULLABLE	2022-09-01	Current Application Stage Num	1.0 1.25 1.5 1.55 1.75 1.76 1.77 2.0 3.0 3.5 4.0 5.28 5.5 6.0 6.25 6.5 7.0 9.0 9.5 10.5 11.0 98.0 99.0
6	app_status	STRING	NON-NULLABLE	2022-09-01	ACTIVE: most recent application for applicant (not cancelled or expired) CANCELLED: most application cancelled EXPIRED: application expired	ACTIVE CANCELLED EXPIRED
7	status	STRING	NON-NULLABLE	2022-09-01	Figure Application Checklist status	ACTIVE APP_SUBMISSION ASSETS_PREQUAL ATTORNEY_REVIEW AUTOPAY_ACCOUNT BPO_ORDER_REQUEST CANCELLED CLTV_LIEN_POSITION_REQUALIFY COLLECT_ADDITIONAL_INFO COMPLETE CO_DEED_REQ CREDIT_ERROR CREDIT_NO_MATCH CREDIT_NO_MATCH_SSN DECLINED DEED_SIGNING DIRECT_DEBT_PAYOFF DISBURSEMENT_ACCOUNT FACTA_REVIEW FINAL_OFFER FINAL_TITLE_PULL FUNDING_DECISION GEN_CLOSING_DISCLOSURE GEN_DEED_SIGNING GEN_NOTARY_DISCLOSURE GEN_NOTE_SIGNING GEN_RESCISSION_DISCLOSURE HARD_CREDIT_LOCKED_OR_FROZEN HARD_CREDIT_PULL HMDA IDENTITY_VERIFICATION INCOME_VERIFICATION LIABILITY_PAYOFF_UPDATE MANUAL_DEED_SIGNING MULTIPLE_PROPERTIES NAV_BPO_ESTIMATE NAV_BPO_ORDER_ESTIMATE_NO_AVM NAV_BPO_PROCESSING NAV_RESI_EVAL_ESTIMATE_NO_AVM NAV_RESI_EVAL_PROCESSING NOTARY_WAITING_PERIOD NOTE_SIGNING NO_PROPERTY_FOUND OFFER_SELECTION ONSITE_APPRAISAL_BORROWER_PAYMENT PAYOFF_REQUEST_PENDING RECORDING RESCISSION REVISED_OFFER_SELECTION SOFT_CREDIT_LOCKED_OR_FROZEN UNKNOWN_ENUM_VALUE_Status_104 WAITING_FOR_APPLICATION_DISCLOSURE WAITING_FOR_ID_VERIFICATION WAITING_FOR_LIEN_DATA WAITING_FOR_SOFT_CREDIT
8	borrower_1_uid	STRING	NON-NULLABLE	2022-09-01	Primary Borrower UUID
9	borrower_1_email	STRING	NULLABLE	2022-09-01	Primary Borrower Email
10	borrower_1_first_name	STRING	NULLABLE	2022-09-01	Primary Borrower First Name
11	borrower_1_middle_name	STRING	NULLABLE	2022-09-01	Primary Borrower Middle Name
12	borrower_1_last_name	STRING	NULLABLE	2022-09-01	Primary Borrower Last Name
13	borrower_1_dob	DATE	NULLABLE	2022-09-01	Primary Borrower DOB
14	borrower_1_ssn	STRING	NULLABLE	2022-09-01	Primary Borrower SSN
15	borrower_1_mailing_address	STRING	NULLABLE	2022-09-01	Primary Borrower Mailing Address
16	borrower_1_street1	STRING	NULLABLE	2022-09-01	Primary Borrower Mailing Address Street 1
17	borrower_1_street2	STRING	NULLABLE	2022-09-01	Primary Borrower Mailing Address Street 2
18	borrower_1_city	STRING	NULLABLE	2022-09-01	Primary Borrower Mailing City
19	borrower_1_state	STRING	NULLABLE	2022-09-01	Primary Borrower Mailing State
20	borrower_1_zip	STRING	NULLABLE	2022-09-01	Primary Borrower Mailing Zip
21	borrower_2_first_name	STRING	NULLABLE	2022-09-01	Secondary Signer First Name
22	borrower_2_middle_name	STRING	NULLABLE	2022-09-01	Secondary Signer Middle Name
23	borrower_2_last_name	STRING	NULLABLE	2022-09-01	Secondary Signer Last Name
24	borrower_2_dob	STRING	NULLABLE	2022-09-01	Secondary Signer DOB
25	borrower_2_uid	STRING	NULLABLE	2022-09-01	Secondary Signer UUID
26	borrower_2_email	STRING	NULLABLE	2022-09-01	Secondary Signer Email
27	borrower_2_mailing_address	STRING	NULLABLE	2022-09-01	Secondary Signer Mailing Address
28	borrower_2_street1	STRING	NULLABLE	2022-09-01	Secondary Signer Mailing Address Street 1
29	borrower_2_street2	STRING	NULLABLE	2022-09-01	Secondary Signer Mailing Address Street 2
30	borrower_2_city	STRING	NULLABLE	2022-09-01	Secondary Signer Mailing Address City
31	borrower_2_state	STRING	NULLABLE	2022-09-01	Secondary Signer Mailing Address State
32	borrower_2_zip	STRING	NULLABLE	2022-09-01	Secondary Borrower Mailing Address Zip
33	app_amount	FLOAT	NULLABLE	2022-09-01	Application Amount, total borrowed, inclusive of fees
34	origination_fee	FLOAT	NULLABLE	2022-09-01	Origination fee expressed as a percentage
35	borrower_paid_origination_fee_dollar_amount	FLOAT	NULLABLE	2024-01-29	Origination fee expressed in dollars
36	borrower_paid_manual_notary_fee	FLOAT	NULLABLE	2023-10-18	Manual notary fee paid by the borrower (included in loan amount, not out of pocket)
37	borrower_paid_broker_price_opinion_fee	FLOAT	NULLABLE	2024-01-29	Broker price opinion (BPO) fee paid by the borrower (included in loan amount, not out of pocket)
38	borrower_paid_recording_tax_local_transfer_tax	FLOAT	NULLABLE	2023-10-18	Recording tax pass through for local transfer tax (included in loan amount, not out of pocket)
39	borrower_paid_recording_tax_mortgage_tax	FLOAT	NULLABLE	2023-10-18	Recording tax pass through for mortgage tax (included in loan amount, not out of pocket)
40	borrower_paid_recording_tax_recordation_transfer_stamp_tax	FLOAT	NULLABLE	2023-10-18	Recording tax pass through for recordation transfer stamp tax (included in loan amount, not out of pocket)
41	borrower_paid_recording_tax_state_transfer_tax	FLOAT	NULLABLE	2023-10-18	Recording tax pass through for state transfer tax (included in loan amount, not out of pocket)
42	borrower_paid_recording_tax_intangible_tax	FLOAT	NULLABLE	2023-10-18	Recording tax pass through for intangible tax (included in loan amount, not out of pocket)
43	borrower_paid_drive_by_valuation_fee	FLOAT	NULLABLE	2024-05-28	Drive by valuation fee paid by the borrower (included in loan amount, not out of pocket)
44	borrower_paid_full_property_report_fee	FLOAT	NULLABLE	2024-05-28	Full property report fee paid by the borrower (included in loan amount, not out of pocket)
45	borrower_paid_instant_title_fee	FLOAT	NULLABLE	2024-05-28	Instant title fee paid by the borrower (included in loan amount, not out of pocket)
46	draw_amount	FLOAT	NULLABLE	2022-09-01	Draw Amount -- amount to be sent to applicant's account in cash (does not include liability payoff amount)
47	liability_payoff_available	BOOLEAN	NULLABLE	2025-01-14	True if direct debt payoff was available to the borrower to select
48	liability_payoff_allocated_amount	FLOAT	NULLABLE	2024-08-22	Amount of application allocated to paying off debt liabilities
49	liability_payoff_allocated_amount_dti_impacting	FLOAT	NULLABLE	2024-08-22	Amount of application allocated to paying off underwriting-DTI impacting liabilities (i.e., most personal loans)
50	liability_payoff_allocated_amount_non_dti_impacting	FLOAT	NULLABLE	2024-08-22	Amount of application allocated to paying off non-DTI impacting liabilities (i.e., most credit cards)
51	liability_payoff_paid_amount_dti_impacting	FLOAT	NULLABLE	2024-08-22	Actual amount used to pay down DTI impacting liabilities
52	liability_payoff_paid_amount_non_dti_impacting	FLOAT	NULLABLE	2024-08-22	Actual amount used to pay down non-DTI impacting liabilities
53	liability_payoff_dti_impacting_status	FLOAT	NULLABLE	2024-08-22	Status of DTI impacting liability payoff transaction	PENDING COMPLETE
54	liability_payoff_non_dti_impacting_status	FLOAT	NULLABLE	2024-08-22	Status of non-DTI impacting liability payoff transaction	PENDING COMPLETE
55	liability_payoff_amount_credited_to_line	FLOAT	NULLABLE	2024-08-22	Amount of liability_payoff_allocated_amount credited to the borrower's loan amount (in limited cases where the allocated amount exceeds the current liability balance)
56	selected_offer_term	INTEGER	NULLABLE	2022-09-01	Offer term in years
57	pay_type	STRING	NON-NULLABLE	2022-09-01	Payment type selected	Autopay Manual Unknown
58	phone_number	STRING	NULLABLE	2022-09-01	Primary borrower phone number
59	property_uuid_value	STRING	NULLABLE	2022-09-01
60	corelogic_property_id	STRING	NULLABLE	2022-09-01
61	property_county	STRING	NULLABLE	2022-09-01
62	property_type	STRING	NULLABLE	2022-09-01		HOME INVESTMENT SECONDARY
63	address_type	STRING	NULLABLE	2022-09-01		HOME INVESTMENT SECONDARY		Ignore, vestigial field
64	prop_street_address	STRING	NULLABLE	2022-09-01
65	prop_city	STRING	NULLABLE	2022-09-01
66	prop_state	STRING	NULLABLE	2022-09-01
67	prop_zip	STRING	NULLABLE	2022-09-01
68	lot_square_feet	INTEGER	NULLABLE	2022-09-01
69	property_flood_zone	STRING	NULLABLE	2022-09-01		A A1 A10 A11 A12 A13 A16 A2 A21 A3 A4 A5 A6 A7 A8 A99 AE AE* AH AO B B* BL C C* D D* N NONE V15 VE X X* X500 X500* X500L
70	prequal_source_type	STRING	NULLABLE	2022-09-01		API UNKNOWN		Ignore, vestigial field
71	prequal_avm_amount	FLOAT	NULLABLE	2022-09-01	Automated Valuation Model (home value) amount used during prequalification
72	prequal_avm_fsd	FLOAT	NULLABLE	2022-09-01	Forecast standard deviation value for the automated valuation model used during prequalification
73	final_source_type	STRING	NULLABLE	2022-09-01				Ignore, vestigial field
74	avm_value_amount	FLOAT	NULLABLE	2022-09-01	Value of subject property used during final underwriting
75	avm_fsd	FLOAT	NULLABLE	2022-09-01	Forecast standard deviation value for the automated valuation model used for final offer
76	avm_high_value	FLOAT	NULLABLE	2022-09-01	High property value provided by automated valuation model
77	avm_low_value	FLOAT	NULLABLE	2022-09-01	Low property value provided by automated valuation model
78	avm_run_date	STRING	NON-NULLABLE	2022-09-01	Run date of the automated valuation model used during final underwriting
79	bpo_type	STRING	NULLABLE	2024-01-29	Broker price opinion (BPO) type	BPO_EXTERIOR
80	prequal_frozen_avm_flag	STRING	NON-NULLABLE	2022-09-01	Frozen AVM value used to prequalify	Y N
81	frozen_avm_flag	STRING	NULLABLE	2022-09-01	Frozen AVM value used for final offer	Y N
82	adjusted_home_amount	FLOAT	NULLABLE	2022-09-13	Value of subject property used in underwriting given the FSD value
83	ownership	STRING	NON-NULLABLE	2022-09-01		JOINT SOLE TRUST UNKNOWN
84	application_reason	STRING	NON-NULLABLE	2022-09-01	Reason for Application	CARING_FOR_FAMILY DEBT_CONSOLIDATION EDUCATION HEALTH_MEDICAL HOME_IMPROVEMENT HOME_IMPROVEMENT_SMALL_BUSINESS MAJOR_PURCHASE OTHER RETIREMENT SMALL_BUSINESS SOLAR_ENERGY_EFFICIENT_INSTALLATION TRAVEL UNKNOWN
85	credit_union_opt_in_out	STRING	NULLABLE	2022-09-01	OPT_IN: Applicant opted into credit union membership OPT_OUT: Applicant opted out of credit union membership	OPT_IN OPT_OUT
86	rate_type	STRING	NON-NULLABLE	2022-09-01	Rate Type	FIXED VARIABLE UNKNOWN
87	app_rate	FLOAT	NON-NULLABLE	2022-09-01	Interest rate selected
88	app_term	INTEGER	NULLABLE	2022-09-01	Loan term selected in years
89	app_term_months	INTEGER	NULLABLE	2022-09-01	Loan term selected in months
90	selected_offer_estimated_monthly_payment	NUMERIC	NULLABLE	2022-09-01	Estimated monthly payment of selected offer
91	first_payment_due_date	TIMESTAMP	NULLABLE	2025-01-14	First Payment Due Date (available only for loans originally serviced by Figure)
92	expected_payoff_date	DATE	NULLABLE	2025-01-14	Expected payoff date at origination (available only for loans originally serviced by Figure)
93	original_draw_period	INTEGER	NULLABLE	2022-09-01	HELOC Draw Period in years
94	original_draw_period_months	INTEGER	NULLABLE	2022-09-01	HELOC Draw Period in months
95	credit_as_of_date	DATE	NULLABLE	2022-09-01	Credit Pulled as of Date
96	pricing_as_of_date	DATE	NULLABLE	2022-09-01	Pricing as of Date
97	pre_loan_cltv	FLOAT	NULLABLE	2022-09-01	CLTV of property based on unadjusted AVM, not taking into account selected offer
98	pre_loan_adj_cltv	FLOAT	NULLABLE	2022-09-01	CLTV of property based on adjusted AVM, not taking into account selected offer
99	pre_loan_dti	FLOAT	NULLABLE	2022-09-01	DTI of borrower, not taking into account selected offer
100	stated_dti	FLOAT	NULLABLE	2022-09-01	DTI of borrower based on stated income
101	post_loan_cltv	FLOAT	NULLABLE	2022-09-01	CLTV of property based on unadjusted AVM, taking into account selected offer
102	post_loan_adj_cltv	FLOAT	NULLABLE	2022-09-01	CLTV of property based on adjusted AVM, taking into account selected offer
103	post_loan_adj_min_cltv	FLOAT	NULLABLE	2022-09-01	CLTV of property basd on adjusted AVM, taking into account the minimum loan amount qualified
104	post_loan_dti	FLOAT	NULLABLE	2022-09-01	DTI of borrower, taking into account monthly payment of selected offer
105	credit_soft_provider	STRING	NULLABLE	2022-09-01		EXPERIAN
106	credit_soft_fico	INTEGER	NULLABLE	2022-09-01	Soft FICO			Values outside of the expected 300 - 850 range are error codes
107	credit_soft_timestamp	TIMESTAMP		2024-05-28
108	credit_soft_secs	INTEGER	NULLABLE	2022-09-01	!Vestigial field Timestamp of soft credit pull in seconds since epoch			Ignore, vestigial field
109	credit_soft_complete	BOOLEAN	NULLABLE	2022-09-01
110	credit_hard_provider	STRING	NULLABLE	2022-09-01		EXPERIAN
111	credit_hard_fico	INTEGER	NULLABLE	2022-09-01				Values outside of the expected 300 - 850 range are error codes
112	credit_hard_timestamp	TIMESTAMP		2024-05-28
113	credit_hard_secs	INTEGER	NULLABLE	2022-09-01	!Vestigial field Timestamp of hard credit pull in seconds since epoch
114	credit_hard_complete	BOOLEAN	NULLABLE	2022-09-01
115	monthly_income	FLOAT	NULLABLE	2022-09-01	Verified monthly income
116	stated_monthly_income	FLOAT	NULLABLE	2022-09-01	Verified monthly income
117	co_deed_status	STRING	NULLABLE	2022-09-01	Status of additional signer (also known as co-deeder) required work	INITIAL COMPLETE
118	flood_insured	BOOLEAN	NULLABLE	2022-09-01
119	homeowners_insured	BOOLEAN	NULLABLE	2022-09-01
120	uw_decision_decision	STRING	NULLABLE	2022-09-01	Current underwriting decision: ASSET_DEPLETION: The applicant can state the value of their assets (if applicable) to re-run underwriting DEBT_SELECTION: The applicant can select the debts they want to pay off (using the direct debt payoff feature) to qualify for a loan DECLINE: The applicant was declined FINAL: The applicant was approved and underwriting is complete (this does mean the loan has funded) INITIAL: The applicant received initial offers and selected one SELECT: The applicant received initials offers but has not selected one	ASSET_DEPLETION DEBT_SELECTION DECLINE FINAL INITIAL SELECT
121	uw_decision_sub_decision	STRING	NULLABLE	2022-09-01	Underwriting Sub-Decision BPO_PENDING: Underwriting is pending the results of a BPO FINAL_OFFER: The borrower is approved and underwriting is complete INSTANT_TITLE_PENDING: Underwriting is pending the results of an instant title pull RATE_CAP_LIMITED SUBDECISION_NO_AVM_FOUND: No property value was found, underwriting is awaiting borrower choices UNKNOWN_SUBDECISION: Not applicable to uw_decision_decision value UNVERIFIED_CLTV_LIEN_POSITION_LIMITED: Borrower has been pre-approved but the CLTV and Lien position have not been verified UNVERIFIED_DTI_LIMITED: The borrower is pre-approved but the DTI has not been verified or fully verified UNVERIFIED_OFFER: The borrower is pre-approved but other verifications need to take place VERIFIED_DTI_LIMITED: The borrower received offers but they were limited compared to pre-qualification given limited verified income VERIFIED_INCOME_MATCHED_OFFER: Borrwer received all applicable offers during pre-qualification VERIFIED_OFFER: Borrower can confirm their offer selected during pre-qualification	BPO_PENDING FINAL_OFFER INSTANT_TITLE_PENDING RATE_CAP_LIMITED SUBDECISION_NO_AVM_FOUND UNKNOWN_SUBDECISION UNVERIFIED_CLTV_LIEN_POSITION_LIMITED UNVERIFIED_DTI_LIMITED UNVERIFIED_OFFER VERIFIED_DTI_LIMITED VERIFIED_INCOME_MATCHED_OFFER VERIFIED_OFFER
122	total_liens	INTEGER	NULLABLE	2022-09-01
123	liens_w_balance	INTEGER	NON-NULLABLE	2022-09-01
124	figure_new_lien_position	INTEGER	NON-NULLABLE	2022-09-01	Position of new HELOC lien
125	lien_position_1_lender	STRING	NULLABLE	2024-08-22	Lender of property lien in first position
126	lien_position_1_origination_date	DATE	NULLABLE	2024-08-22	Origination date of lien in first position
127	lien_position_1_original_balance	FLOAT	NULLABLE	2024-08-22	Original balance of lien in first position
128	lien_position_1_current_balance	FLOAT	NULLABLE	2024-08-22	Current balance of lien in first position (as of application start date)
129	lien_position_2_lender	STRING	NULLABLE	2024-08-22	Lender of property lien in second position
130	lien_position_2_origination_date	DATE	NULLABLE	2024-08-22	Origination date of lien in second position
131	lien_position_2_original_balance	FLOAT	NULLABLE	2024-08-22	Original balance of lien in second position
132	lien_position_2_current_balance	FLOAT	NULLABLE	2024-08-22	Current balance of lien in second position (as of application start date)
133	organization	STRING	NON-NULLABLE	2022-09-01	Organization
134	wholesale_originator_dba_name	STRING	NULLABLE	2024-03-18	Broker LO selected doing-business-as-name
135	bridge_loan_flag	BOOLEAN	NULLABLE	2022-09-01	Bridge Loan Flag (TRUE if either home_for_sale_borrower_attested or home_for_sale_mls_response)
136	home_for_sale_borrower_attested	BOOLEAN	NULLABLE	2022-10-18	Borrower attested the home is for sale
137	home_for_sale_mls_response	BOOLEAN	NULLABLE	2022-10-18	MLS data noted home is for sale
138	manual_notary_flag	BOOLEAN	NULLABLE	2022-09-01	True if the applicant is not eligible for remote online notarization
139	notary_type	STRING	NULLABLE	2025-04-01	Type of notarization required: E_NOTARY: remote online notary MANUAL_NOTARY: in person signing MANUAL_NOTARY_OVERRIDE: lives in a jurisdiction where remote online notary is allowable, but circumstances (such as requiring a translator) required an in-person appointment	E_NOTARY MANUAL_NOTARY MANUAL_NOTARY_OVERRIDE
140	in_person_notary_appointment_timestamp	TIMESTAMP	NULLABLE	2025-04-01	Timestamp of scheduled notary appointment
141	enotary_completed_timestamp	TIMESTAMP	NULLABLE	2025-04-01	Timestamp that all e-signings were complete
142	heloc_agreement_e_signed_timestamp	TIMESTAMP		2025-04-01	Timestamp e-signature applied to HELOC agreement (not a notarized document)
143	hispanic_or_latino_ethnicity_type	BOOLEAN	NULLABLE	2022-09-01	HMDA Ethnicity/Race/Gender questions
144	ethnicity_refusal	BOOLEAN	NULLABLE	2022-09-01	HMDA Ethnicity/Race/Gender questions
145	other_ethnicity_description	STRING	NULLABLE	2022-09-01	HMDA Ethnicity/Race/Gender questions
146	gender_refusal	BOOLEAN	NULLABLE	2022-09-01	HMDA Ethnicity/Race/Gender questions
147	race_refusal	BOOLEAN	NULLABLE	2022-09-01	HMDA Ethnicity/Race/Gender questions
148	race_asian_additional_description	STRING	NULLABLE	2022-09-01	HMDA Ethnicity/Race/Gender questions
149	race_pacific_islander_additional_description	STRING	NULLABLE	2022-09-01	HMDA Ethnicity/Race/Gender questions
150	ethnicity_collected_based_on_visual_observation_or_surname	BOOLEAN	NULLABLE	2022-09-01	HMDA Ethnicity/Race/Gender questions	False
151	gender_collected_based_on_visual_observation_or_name	BOOLEAN	NULLABLE	2022-09-01	HMDA Ethnicity/Race/Gender questions	False
152	race_collected_based_on_visual_observation_or_surname	BOOLEAN	NULLABLE	2022-09-01	HMDA Ethnicity/Race/Gender questions	False
153	tribe_name	STRING	NULLABLE	2022-09-01	HMDA Ethnicity/Race/Gender questions
154	not_hispanic_or_latino	BOOLEAN	NULLABLE	2022-09-01	HMDA Ethnicity/Race/Gender questions
155	ethnicity_origin_types	STRING	NULLABLE	2022-09-01	HMDA Ethnicity/Race/Gender questions, List, separated by ","			Any combination of values can be in this delimited list
156	gender_types	STRING	NULLABLE	2022-09-01	HMDA Ethnicity/Race/Gender questions List, separated by ","	FEMALE MALE
157	race_types	STRING	NULLABLE	2022-09-01	HMDA Ethnicity/Race/Gender questions List, separated by ","	AMERICAN_INDIAN_OR_ALASKA_NATIVE ASIAN BLACK_OR_AFRICAN_AMERICAN NATIVE_HAWAIIAN_OR_OTHER_ISLANDER WHITE		Any combination of values can be in this delimited list
158	race_desgination_types	STRING	NULLABLE	2022-09-01	HMDA Ethnicity/Race/Gender questions List, separated by ","	ASIAN_INDIAN CHINESE FILIPINO GUAMANIAN_OR_CHAMORRO JAPANESE KOREAN NATIVE_HAWAIIAN OTHER_ASIAN OTHER_PACIFIC_ISLANDER SAMOAN VIETNAMESE		Any combination of values can be in this delimited list
159	application_time_zone	STRING	NON-NULLABLE	2022-09-01	Applicant Time Zone	IANA time zone names
160	expiration_date	DATE	NON-NULLABLE	2022-09-01	Expiration Date
161	decline_type	STRING	NON-NULLABLE	2022-09-01	Pre-Qualification process decline type.	Approved Bankrupcy CLTV CLTV LIEN WF CLTV Other Property "CLTV, liens >= 3" Credit Incomplete - Prequal Credit Score Credit Utilization DTI Delinquent past or present credit obligations with others Fraud Income Verification Involuntary Lien Land Use Lien Position Live App - Has not passed Prequal yet No AVM Other PCRA Condition Plaid Risky Flags Property >40 acres Purchased in last 90 days Recent Inquiries Severe Property Condition Too many inquiries last 3 mos Trade >=60 days delinquent or 12-mo derogatory Tradeline in Collections Unable to verify identity Unable to verify property ownership
162	decline_codes	STRING	NULLABLE	2022-09-01	List of decline codes, each code separated by ";"	ACTIVE_MLS_LISTING ACTIVE_MLS_LISTING_OFEE APPLICANT_VERIFIED_NOT_EMPLOYED AVM_DRIFT AVM_FSD BANKRUPTCY CLTV CLTV_ELIGIBILITY_MATRIX CLTV_LIEN_POSITION CLTV_LIEN_WF COLLECTION CREDITSCORE CREDIT_UTILIZATION DELQ60_12 DTI_ELIGIBILITY_MATRIX FACTA_HIT FORECLOSURE FRAUD F_DELQ_CURRENT F_DELQ_MAX F_TRANSFERRED ID_VERIFICATION INCOME_VERIFICATION INDEPENDENT_FRAUD_REVIEW INQ3MONTHS INVALIDFICO1 INVALIDFICO2 INV_TAXLIEN LANDUSE LAST_SALE_DATE LIEN_POSITION LIEN_TYPE LIEN_VERIFICATION MAXPRODUCT_CREDIT MORT_TRADES_DELQ NAV_LANDUSE NAV_NO_PROPERTY_VALUE NOAVMRETURNED NO_OFFERS OCCUPANCY_STATUS PLAID_RSK_NSF_LNST_FICOLT700 PLAID_RSK_NSF_LNST_NEGBALN_FICOGTE700 PLAID_RSK_NSF_RISKYFI PLAID_RSK_RISKYFI_INQ PLAID_RSK_RISKYFI_NEGBALN PRODUCT_ELIGIBILITY_MATRIX PROPERTYOWNERSHIP PROPERTY_ACRES PROPERTY_TYPE PROPERTY_VESTING PTI RATE_CAP RECENT_INQUIRIES SENIOR_REVERSE_MORTGAGE SENTILINK_SCORE TITLE_TRANSFER_RECENCY UNITS ACTIVE_MLS_LISTING ACTIVE_MLS_LISTING_OFEE APPLICANT_VERIFIED_NOT_EMPLOYED AVM_DRIFT AVM_FSD BANKRUPTCY CLTV CLTV_ELIGIBILITY_MATRIX CLTV_LIEN_POSITION CLTV_LIEN_WF COLLECTION CREDITINCOMPLETE CREDITSCORE CREDIT_UTILIZATION DELQ60_12 DNDB_BLACKLIST DTI DTI_DRIFT DTI_ELIGIBILITY_MATRIX EMPLOYEMENT_VERIFICATION ENUM_425 ENUM_426 FACTA_HIT FICO_DRIFT FORECLOSURE FRAUD F_FORBEARANCE F_TRANSFERRED GIACT_EMAIL_VERIFICATION ID_VERIFICATION INCOME_VERIFICATION INDEPENDENT_FRAUD_REVIEW INQ3MONTHS INVALIDFICO1 INVALIDFICO2 INV_TAXLIEN ITIN LANDUSE LAST_SALE_DATE LIEN_POSITION LIEN_TYPE LIEN_VERIFICATION MAXPRODUCT MAXPRODUCT_CREDIT MORT_TRADES_DELQ NAV_LANDUSE NAV_NO_PROPERTY_VALUE NOAVMRETURNED NO_OFFERS OCCUPANCY_STATUS OFAC PCRA_CONDITION PLAID_RSK_NSF_LNST_FICOLT700 PLAID_RSK_NSF_LNST_NEGBALN_FICOGTE700 PLAID_RSK_NSF_RISKYFI PLAID_RSK_RISKYFI_INQ PLAID_RSK_RISKYFI_NEGBALN PRODUCT_ELIGIBILITY_MATRIX PROPERTYOWNERSHIP PROPERTY_ACRES PROPERTY_CONDITION PROPERTY_TYPE PROPERTY_VESTING PTI RATE_CAP RECENT_INQUIRIES SENIOR_REVERSE_MORTGAGE SENTILINK_SCORE UNITS		Any combination of values can be in this delimited list
163	decline_details	STRING	NULLABLE	2022-09-01	Text description of decline_codes
164	cancellation_status	STRING	NULLABLE	2024-03-28	Type of application cancellation	WITHDRAWN EXPIRED REJECTED
165	cancellation_reasons	STRING	NULLABLE	2024-03-28	List of reasons selected for cancellation separated by ";"	APPLICANT_DOES_NOT_WISH_TO_PROCEED COBORROWER_NO_SIGN CREDIT_FROZEN_LOCKED CR_ADDRESS_UPDATE CR_DIFFERENT_OFFER_AMOUNT CR_DOB_UPDATE CR_INCORRECT_SSN CR_INTERNAL_MISTAKE CR_NAME_UPDATE CR_OWNERSHIP_TYPE DISLIKED_OFFER_LOAN_AMOUNT DISLIKED_OFFER_OFEE DISLIKED_OFFER_RATE DISLIKED_PRODUCT DISLIKED_WEBSITE_PROCESS DOES_NOT_WANT_FULL_INITIAL_DRAW DUPLICATE_APPLICATION FEES_TOO_HIGH NO_DATA_TREE OTHER OTHER_REQUIRED_USER_ENTRY PROP_OWNERSHIP_DISCREPANCY RATE_TOO_HIGH RECEIVED_BETTER_OFFER RESCINDED_APP STATED_INCOME_DISCREPANCY		Any combination of values can be in this delimited list
166	employment_type	STRING	NULLABLE	2022-09-13	Emloyment type of the applicant (also referred as source of income)	FULL_TIME PART_TIME RETIRED SELF_EMPLOYED SEPARATE_MAINTENANCE_PAYMENTS UNEMPLOYED
167	land_use_description	STRING	NULLABLE	2022-09-01	Description of land use code.	Dependent on provider, such as BPO, examples include: SFR CONDOMINIUM TOWNHOUSE/ROWHOUSE RESIDENTIAL (NEC) DUPLEX Unknown MOBILE HOME MANUFACTURED HOME TRIPLEX APARTMENT
168	land_use_code	STRING	NULLABLE	2024-08-22	Land Use Code	Dependent on provider, such as BPO, examples include: 163 112 102 100 115 137 138 0 165 106
169	building_gross_area	INTEGER	NULLABLE	2022-09-01	Livable Square Footage
170	query_params	STRING	NULLABLE	2022-09-01	UTM parameters. Provided without warranty.
171	signing_date	DATE	NULLABLE	2022-09-01	Right to Cancel Signing Date
172	Rescission_Start_Date	DATE	NULLABLE	2022-09-01	Rescission Start Date
173	Rescission_Exit_Date	DATE	NULLABLE	2022-09-01	Rescission Exit Date
174	Funding_Date	DATE	NULLABLE	2022-09-01	When Figure's Loan Origination System sent the loan to be queued for funding. This is not necessarily the same day that the funds transfer took place.
175	Transfer_Date	DATE	NULLABLE	2022-09-01	Date the funded loan was transferred ownership from it's originator
176	estimated_ach_funding_date	DATE	NULLABLE	2025-01-14	Estimated date that the ACH funding transaction will take place
177	application_summary_disclosure_signed_date	DATE	NULLABLE	2024-05-28	Application Summary Disclosure signed date
178	referring_loan_officer_identity_uuid_value	STRING	NULLABLE	2024-05-28	UUID of Loan Officer (referral_id in loan_officer)
179	nmls_mlo_id	STRING	NULLABLE	2022-09-01	NMLS MLO ID
180	mlo_full_name	STRING	NULLABLE	2022-09-01	MLO Full Name
181	mlo_employee_id	STRING	NULLABLE	2022-09-01	External ID provided by partner
182	company_id	STRING	NULLABLE	2023-03-07	Broker ID of referring MLO
183	company_name	STRING	NULLABLE	2023-03-07	Broker name of referring MLO
184	company_nmls	STRING	NULLABLE	2023-03-07	NMLS number of referring MLO's broker
185	referring_mlo_name	STRING	NULLABLE	2022-09-01	Referring MLO Name
186	referring_mlo_nmls_no	STRING	NULLABLE	2022-09-01	Referring MLO NMLS ID
187	docs_mlo_name	STRING	NULLABLE	2022-09-01	MLO Name on Application Summary
188	docs_mlo_nmls	STRING	NULLABLE	2022-09-01	NMLS number of loan officer on Application Summary
189	deed_loan_officer_identity_uuid_value	STRING	NULLABLE	2025-08-11	Figure identity UUID of loan officer listed on Deed
190	deed_loan_officer_nmls_number	STRING	NULLABLE	2025-08-11	NMLS number of loan officer listed on Deed
191	deed_loan_officer_name	STRING	NULLABLE	2025-08-11	Name of loan officer listed on Deed
192	deed_date	DATE	NULLABLE	2025-08-11	Date listed on Deed
193	broker_compensation_percentage	FLOAT	NULLABLE	2025-10-07	Broker compensation percentage (the amount listed on the broker agreement). This amount is not part of the loan fees.
194	broker_compensation_amount	FLOAT	NULLABLE	2025-10-07	Broker compensation amount calculated using the broker compensation percentage. This amount is not part of the loan fees. This amount is calculated using the entire loan amount less all fees.
195	app_start_flag	STRING	NON-NULLABLE	2022-09-01	App Start Flag, application started	Y
196	lien_validation_flag	STRING	NON-NULLABLE	2022-09-01	Lien Validation Flag, applicant asked to validate Liens	Y N
197	no_credit_hit_flag	STRING	NON-NULLABLE	2022-09-01	No Credit returned by UW, asked to provide ssn	Y N
198	frozen_flag	STRING	NON-NULLABLE	2022-09-01	Frozen Flag, Credit Frozen	Y N
199	locked_flag	STRING	NON-NULLABLE	2022-09-01	Locked Flag, Credit Locked	Y N
200	ofac_flagged_flag	STRING	NON-NULLABLE	2022-09-01	OFAC Flagged	Y N
201	fraud_flagged_flag	STRING	NON-NULLABLE	2022-09-01	Fraud Flagged	Y N
202	property_not_found_flag	STRING	NON-NULLABLE	2022-09-01	Property not found Flag	Y N
203	multiple_property_matches_flag	STRING	NON-NULLABLE	2022-09-01	Multiple Property Search Flag	Y N
204	uw_review_flag	STRING	NON-NULLABLE	2022-09-01	Application under further review Flag	Y N
205	product_select_flag	STRING	NON-NULLABLE	2022-09-01	Applicant Passed Pre-UW, presented Offers	Y N
206	ssn_consent_flag	STRING	NON-NULLABLE	2022-09-01	Applicant Selected Offer, asked to provide SSN	Y N
207	hmda_flag	STRING	NON-NULLABLE	2022-09-01	Applicant provided SSN, asked to provide race/ethnicity/gender information	Y N
208	id_upload_flag	STRING	NON-NULLABLE	2022-09-01	Applicant asked to provide identification	Y N
209	connect_accounts_flag	STRING	NON-NULLABLE	2022-09-01	Applicant asked to connect income sources	Y N
210	variance_flag	STRING	NON-NULLABLE	2022-09-01	Variance found, applicant asked to correct	Y N
211	disbursement_account_flag	STRING	NON-NULLABLE	2022-09-01	Applicant asked to enter disbursement account	Y N
212	sign_prom_note_flag	STRING	NON-NULLABLE	2022-09-01	Applicant asked to Sign Prom Note	Y N
213	additional_signers_flag	STRING	NON-NULLABLE	2022-09-01	Applicant told additional signer is needed	Y N
214	notary_flag	STRING	NON-NULLABLE	2022-09-01	Notary scheduling available	Y N
215	rescission_flag	STRING	NON-NULLABLE	2022-09-01	Applicant enters Rescission	Y N
216	funded_flag	STRING	NON-NULLABLE	2022-09-01	Applicant Loan Funded	Y N
217	recording_flag	STRING	NON-NULLABLE	2022-09-01	Applicant Loan entered county recording	Y N
218	complete_flag	STRING	NON-NULLABLE	2022-09-01	Applicant Loan Recorded	Y N
219	cancelled_flag	STRING	NON-NULLABLE	2022-09-01	Applicant application cancelled	Y N
220	declined_flag	STRING	NON-NULLABLE	2022-09-01	Applicant application declined	Y N
221	app_start_ts	DATETIME	NON-NULLABLE	2022-09-01	Time Applicant has started the Application
222	lien_validation_ts	DATETIME	NULLABLE	2022-09-01	Time Applicant has entered Lien Validation			Optional stage: Applicant enters stage if applicant must validate the liens on their property
223	no_credit_hit_ts	DATETIME	NULLABLE	2022-09-01	Time Applicant has entered No Credit Hit			Optional stage: Applicant enters stage if no soft credit is returned
224	frozen_ts	DATETIME	NULLABLE	2022-09-01	Time Applicant has entered Frozen Credit			Optional stage: Applicant enters stage if applicant must unfreeze credit
225	locked_ts	DATETIME	NULLABLE	2022-09-01	Time Applicant has entered Locked Credit			Optional stage: Applicant enters stage if applicant must unlock credit
226	ofac_flagged_ts	DATETIME	NULLABLE	2022-09-01	Time Applicant has entered OFAC			Optional stage: Applicant enters stage if Figure must perform additional OFAC checks
227	fraud_flagged_ts	DATETIME	NULLABLE	2022-09-01	Time Applicant has entered Fraud Flagged			Optional stage: Applicant enters stage if Figure must perform fraud checks
228	property_not_found_ts	DATETIME	NULLABLE	2022-09-01	Time Applicant has entered Property not Found			Optional stage: Applicant enters stage if Figure cannot find the subject property.
229	multiple_property_matches_ts	DATETIME	NULLABLE	2022-09-01	Time Applicant has entered Multiple Property Matches			Optional stage: Applicant enters stage if Figure must review the property address entered for correctness.
230	uw_review_ts	DATETIME	NULLABLE	2022-09-01	Time Applicant has entered further Pre-UW review			Optional stage: Applicant enters stage if UW information must be reviewed before offers are presented. Deprecated.
231	product_select_ts	DATETIME	NULLABLE	2022-09-01	Time Applicant has entered Offer selection			Applicant enters stage when offers are returned
232	ssn_consent_ts	DATETIME	NULLABLE	2022-09-01	Time Applicant has entered SSN Consent			Applicant enters stage to sign documents and agree to hard credit pull
233	hmda_ts	DATETIME	NULLABLE	2022-09-01	Time Applicant has entered HMDA information collection			Applicant enters stage to fill out HMDA information
234	id_upload_ts	DATETIME	NULLABLE	2022-09-01	Time Applicant has entered ID Upload			Applicant enters stage to upload their ID document
235	connect_accounts_ts	DATETIME	NULLABLE	2022-09-01	Time Applicant has entered Connect Accounts			Applicant enters stage to verify their stated income
236	variance_ts	DATETIME	NULLABLE	2022-09-01	Time Applicant has entered Variance			Optional stage: Applicant enters stage if they must reselect offers given income or other underwriting information changes.
237	disbursement_account_ts	DATETIME	NULLABLE	2022-09-01	Time Applicant has entered Disbursement Accounts			Applicant enters stage where they confirm or enter their disbursement account data
238	sign_prom_note_ts	DATETIME	NULLABLE	2022-09-01	Time Applicant has entered Sign Prom Note			Applicant needs to sign promisory note
239	additional_signers_ts	DATETIME	NULLABLE	2022-09-01	Time Applicant has entered Additional Signers			Optional stage: Applicant needs to add additional signers
240	notary_ts	DATETIME	NULLABLE	2022-09-01	Time Applicant has entered Notary			Applicant needs to perform notarization
241	rescission_ts	DATETIME	NULLABLE	2022-09-01	Time Applicant has entered Rescission			Not applicable for non-owner-occupied properties; Applicant must wait for recission period to end
242	funded_ts	DATETIME	NULLABLE	2022-09-01	Time Applicant has entered Funding			Application enters funding queue
243	recording_ts	DATETIME	NULLABLE	2022-09-01	Time Applicant has entered Recording			Application begins Deed recording process
244	complete_ts	DATETIME	NULLABLE	2022-09-01	Time Applicant has entered Complete			Application has had deed recorded
245	cancelled_ts	DATETIME	NULLABLE	2022-09-01	Time Applicant has entered Cancellation			Application was cancelled
246	declined_ts	DATETIME	NULLABLE	2022-09-01	Time Applicant has entered Decline			Application was declined
247	app_start_duration	NUMERIC	NON-NULLABLE	2022-09-01	Time Applicant spent in App Start in seconds
248	lien_validation_duration	NUMERIC	NULLABLE	2022-09-01	Time Applicant spent in Lien Validation in seconds
249	no_credit_hit_duration	NUMERIC	NULLABLE	2022-09-01	Time Applicant spent in No Credit Hit in seconds
250	frozen_duration	NUMERIC	NULLABLE	2022-09-01	Time Applicant spent in Frozen Credit in seconds
251	locked_duration	NUMERIC	NULLABLE	2022-09-01	Time Applicant spent in Locked Credit in seconds
252	ofac_flagged_duration	NUMERIC	NULLABLE	2022-09-01	Time Applicant spent in OFAC in seconds
253	fraud_flagged_duration	NUMERIC	NULLABLE	2022-09-01	Time Applicant spent in Fraud Flagged in seconds
254	property_not_found_duration	NUMERIC	NULLABLE	2022-09-01	Time Applicant spent in Property not found in seconds
255	multiple_property_matches_duration	NUMERIC	NULLABLE	2022-09-01	Time Applicant spent in Multiple Property Matches in seconds
256	uw_review_duration	NUMERIC	NULLABLE	2022-09-01	Time Applicant spent in UW Review in seconds
257	product_select_duration	NUMERIC	NULLABLE	2022-09-01	Time Applicant spent in Product Select in seconds
258	ssn_consent_duration	NUMERIC	NULLABLE	2022-09-01	Time Applicant spent in SSN Consent in seconds
259	hmda_duration	NUMERIC	NULLABLE	2022-09-01	Time Applicant spent in HMDA in seconds
260	id_upload_duration	NUMERIC	NULLABLE	2022-09-01	Time Applicant spent in ID Upload in seconds
261	connect_accounts_duration	NUMERIC	NULLABLE	2022-09-01	Time Applicant spent in Connect Accounts in seconds
262	variance_duration	NUMERIC	NULLABLE	2022-09-01	Time Applicant spent in Variance in seconds
263	disbursement_account_duration	NUMERIC	NULLABLE	2022-09-01	Time Applicant spent in Disbursement Account in seconds
264	sign_prom_note_duration	NUMERIC	NULLABLE	2022-09-01	Time Applicant spent in Sign Prom Note in seconds
265	additional_signers_duration	NUMERIC	NULLABLE	2022-09-01	Time Applicant spent in Additional Signers in seconds
266	notary_duration	NUMERIC	NULLABLE	2022-09-01	Time Applicant spent in Notary in seconds
267	rescission_duration	NUMERIC	NULLABLE	2022-09-01	Time Applicant spent in Rescission in seconds
268	funded_duration	NUMERIC	NULLABLE	2022-09-01	Time Applicant spent in Funded in seconds
269	recording_duration	NUMERIC	NULLABLE	2022-09-01	Time Applicant spent in Recording in seconds
270	complete_duration	NUMERIC	NULLABLE	2022-09-01	Time Applicant spent in Complete in seconds
271	cancelled_duration	NUMERIC	NULLABLE	2022-09-01	Time Applicant spent in Cancelled in seconds
272	declined_duration	NUMERIC	NULLABLE	2022-09-01	Time Applicant spent in Declined in seconds