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The Credit Bureau loan type (Account Type, Field 9 in the Base Segment of the Credit Bureau Report and transmission file (FPSRP184) sent to Credit Bureaus) is determined based on the loan type in CIM GOLD. The system uses the following GOLDPoint Systems codes and converts them to the Credit Bureau type codes. Insurer Code is checked first, then Collateral Code, and finally General Category.
Note: If a loan has a general category of 90 or higher, the loan will not be reported. |
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Listed below is the correlation between the Credit Bureau Account Type codes and the GOLDPoint Systems loan codes.
Insurer Codes
GOLDPoint Systems Codes |
GOLDPoint Systems Description |
CB Account Type Codes |
CB Account Type Description |
---|---|---|---|
01 |
FHA |
19 |
FHA Real Estate Mortgage–terms are in years. |
02 |
VA |
25 |
VA Real Estate Mortgage–terms are in years. |
03 |
Other federally-insured or guaranteed loans |
66 |
Government-secured Guaranteed Loan |
Line-of-Credit Revolving Loans (LNCARD = "Y")
GOLDPoint Systems Description |
CB Account Type Codes |
CB Account Type Description |
---|---|---|
Payment method 5 with LNCARD = "Y" |
2A |
Secured Credit Card |
Collateral Codes
GOLDPoint Systems Codes |
GOLDPoint Systems Description |
CB Account Type Codes |
CB Account Type Description |
---|---|---|---|
0000 |
Collateral code not used |
01 |
Unsecured |
0001 |
Single family, new |
26 |
Conventional Real Estate Mortgage |
0002 |
Single family, previously occupied |
26 |
Conventional Real Estate Mortgage |
0003 |
Single family condominium, new |
26 |
Conventional Real Estate Mortgage |
0004 |
Single family condominium, previously occupied |
26 |
Conventional Real Estate Mortgage |
0005 |
2 to 4 family units, new |
26 |
Conventional Real Estate Mortgage |
0006 |
5 to 36 family units, new |
26 |
Conventional Real Estate Mortgage |
0007 |
37 or more family units, new |
26 |
Conventional Real Estate Mortgage |
0008 |
5 to 36 family units, previously occupied |
26 |
Conventional Real Estate Mortgage |
0009 |
37 or more family units, previously occupied |
26 |
Conventional Real Estate Mortgage |
0010 |
Non-residential (other improved real estate) |
26 |
Conventional Real Estate Mortgage |
0011 |
Combination home and business |
26 |
Conventional Real Estate Mortgage |
0012 |
Churches |
26 |
Conventional Real Estate Mortgage |
0013 |
Churches and single family |
26 |
Conventional Real Estate Mortgage |
0014 |
Housing for the aged |
26 |
Conventional Real Estate Mortgage |
0015 |
Developed building lots, acquisition and development of land and unimproved land loans, residential (1-4) |
26 |
Conventional Real Estate Mortgage |
0016 |
Developed building lots, acquisition and development of land and unimproved land loans, non-residential |
26 |
Conventional Real Estate Mortgage |
0017 |
Developed building lots, acquisition and development of land and unimproved loans, multi-family residential (5 units or greater) |
26 |
Conventional Real Estate Mortgage |
0020 |
Secured by farm land |
26 |
Conventional Real Estate Mortgage |
0025 |
2-4 family units, previously occupied |
26 |
Conventional Real Estate Mortgage |
0040 |
Vacation property |
26 |
Conventional Real Estate Mortgage |
0100 |
Commercial loans, secured by other real estate |
10 |
Business Loan |
0102 |
Inventory |
10 |
Business Loan |
0105 |
Accounts receivable |
10 |
Business Loan |
0106 |
Equipment |
02 |
Secured |
0107 |
Equipment - Farm |
02 |
Secured |
0108 |
Livestock |
7B |
Agricultural |
0109 |
Commercial loans, secured by real estate |
26 |
Conventional Real Estate Mortgage |
0110 |
Commercial loans, unsecured |
01 |
Unsecured |
0120 |
Commercial - SBA |
10 |
Business Loan |
0130 |
Loans to finance agricultural production |
7B |
Agricultural |
0190 |
Commercial real estate second mortgages |
5B |
Second Mortgage |
0200 |
Home improvement loans/second mortgages |
04 |
Home Improvement |
0201 |
Equity second mortgages |
5B |
Second Mortgage |
0202 |
Equity second mortgages - revolving open end loans |
47 |
Credit Line Secured |
0203 |
Equity first mortgages - revolving open-end loans |
47 |
Credit Line Secured |
0204 |
Equity first mortgages |
26 |
Conventional Real Estate Mortgage |
0205 |
Real estate-secured - consumer loan or HIL based primarily on the credit worthiness of the borrower |
26 |
Conventional Real Estate Mortgage |
0210 |
Education loans |
12 |
Educational |
0220 |
Consumer automobile loans - new |
00 |
Auto |
0221 |
Consumer automobile loans - used |
00 |
Auto |
0230 |
Credit cards |
15 |
Check Credit or Line-of-Credit |
0231 |
Other revolving credit plans |
15 |
Check Credit or Line-of-Credit |
0235 |
Unsecured consumer loans |
01 |
Unsecured |
0240 |
Other loans for household family and other personal expenditures |
02 |
Secured |
0241 |
Assignments of contracts and securities |
02 |
Secured |
0242 |
Assignments of contracts - commercial |
10 |
Business Loan |
0245 |
Loan on savings |
02 |
Secured |
0246 |
Deposit loans - commercial |
10 |
Business Loan |
0250 |
Mobile home loans - retail |
26 |
Conventional Real Estate Mortgage |
0251 |
Mobile Home on Rented Property |
17 |
Manufactured Home |
0260 |
Recreational vehicles |
11 |
Recreational Merchandise |
0262 |
Boats, motorcycles |
11 |
Recreational Merchandise |
0269 |
Airplanes |
11 |
Recreational Merchandise |
0300 |
Consumer leases |
13 |
Lease |
0310 |
Non-consumer leases |
13 |
Lease |
0350 |
Dealer flooring |
10 |
Business Loan |
0400 |
Loans to financial institutions |
10 |
Business Loan |
0401 |
Loans to Holding Companies |
10 |
Business Loan |
0410 |
Loans for purchasing and carrying securities |
10 |
Business Loan |
General Category
GOLDPoint Systems Codes |
GOLDPoint Systems Description |
CB Account Type Codes |
CB Account Type Description |
---|---|---|---|
01 |
Real estate first mortgage loans |
26 |
Conventional Real Estate Mortgage - terms are in years |
02 |
Second mortgages |
5B |
Real Estate Mortgage - with or without other collateral. Usually a second mortgage - terms are in months |
03 |
Loans on deposits |
02 |
Secured |
04 |
Consumer loans |
01 |
Unknown |
05 |
Check guarantee/overdraft loans |
15 |
Check Credit or Line-of-Credit |
06 |
Installment loans |
06 |
Installment Loan |
07 |
Revolving line |
15 |
Check Credit or Line-of-Credit |
08 |
Financing leases |
13 |
Lease |
09 |
Commercial loans - other than real estate |
10 |
Business |
11 |
Wrap loans/serviced for real estate |
5A |
Real Estate Specific Type Unknown - terms are in years |
30 |
Non-conforming/loans to facilitate |
26 |
Conventional Real Estate Mortgage |
66 |
Insured or guaranteed by an agency or instrument of the U.S. |
66 |
Unknown |
80 |
Real estate in foreclosure and charge-off real estate |
26 |
Conventional Real Estate Mortgage - terms are in years |
82 |
Charge-off non-real estate property |
02 |
Secured |
85 |
Repossessed asset |
02 |
Secured |