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Credit Bureau Type (Account Type)

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Credit Bureau Type (Account Type)

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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.

 

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Note: If a loan has a general category of 90 or higher, the loan will not be reported.

 

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

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