Pre-Foreclosure Filing System
Step 1 Bulk Filing Directions (Effective April 7, 2021)
General Directions
Each Step 1 bulk filing must contain two parts: (1) the Header and (2) the Detail.
Each individual filing will have one Header entry and two or more Detail entries, depending on the level of detail required.
The Header document will contain high level information for each filing submitted as part of the bulk filing. Each filing will be represented by one line entry in the Header document. However, in the Detail document, each loan may include a number of entries.
All of the Header records in a bulk filing must be combined into one text file. All the corresponding Detail records must be combined into another text file. These two files must be uploaded at the same time.
The level and amount of Detail information required is driven by whether or not the loan is investor owned. Please see the attached flow chart for a visual representation of the information required.
Not Investor Owned:
If loan is NOT investor owned, the Detail record(s) will contain the lien holder information and possibly the agent of lien holder information. If there is more than one lien holder, list each lien holder on a separate Detail line. If there is an agent of lien holder list the agent of lien holder information on a separate Detail line.
Example:
Header Information:
RECORD TYPE | LOAN REF NUM | DATE MAILING | FLG LOAN INVESTOR OWNED | FLG LOAN SECURITIZED | FLG AGENT OF LIEN |
HDR | 1234 | 9302010 | N | Y |
Detail Information:
RECORD TYPE | LOAN REF NUM | TYPE ENTITY | NAME ENTITY |
DTL | 1234 | LHR | ABC lien holder |
DTL | 1234 | LHR | XYZ lien holder |
DTL | 1234 | ALH | AAA Agent Name |
Investor Owned and Not Securitized:
If a loan IS investor owned and NOT securitized, the Detail record(s) will contain investor information. If there is more than one investor, list each investor on a separate Detail line.
Example:
Header Information:
RECORD TYPE | LOAN REF NUM | DATE MAILING | FLG LOAN INVESTOR OWNED | FLG LOAN SECURITEZED | FLG AGENT OF LIEN HOLDER |
HDR | 55555 | 10012010 | Y | N |
Detail Information:
RECORD TYPE | LOAN REF NUM | TYPE ENTITY | NAME ENTITY |
DTL | 55555 | INV | ZZZ INVESTOR |
DTL | 55555 | INV | YYY INVESTOR |
Investor Owned and Securitized:
If a loan IS investor owned, and IS securitized, the Detail records will contain the trustee or manager information and investor group information. Please list each trustee or manager and each investor group on a separate detail line.
Example:
Header Information:
RECORD TYPE | LOAN REF NUM | DATE MAILING | FLG LOAN INVESTOR OWNED | FLG LOAN SECURITIZED | FLG AGENT OF LIEN HOLDER |
HDR | 333 | 10102010 | Y | Y |
Detail Information:
RECORD TYPE | LOAN REF NUM | TYPE ENTITY | NAME ENTITY |
DTL | 333 | TTE | AB Trustee |
DTL | 333 | IGR | III Investor |
DTL | 333 | IGR | NNN Investor |
Step 1 Header ‐ File Specification
File Name: Please use unique file names for each submission by concatenating the first 15 letters of your company name, the form type and the date (ex.: SERVICERCOMPANYSTEP1HDRDDMMYYYY.txt.)
Data File Requirements
- Data format : ASCII delimited text file
- Field Separator : Tilde (~)
- Record Separator : LF (Line Feed)
File Layout (Required fields must be filled if applicable):
Row Number | Column Name | Data Type | Maximum Width | Required? | Notes/Sample |
---|---|---|---|---|---|
1 | RECORD_TYPE | Alphanumeric | 3 | Y | Indicate the type of record HDR - Header record DTL - Detail record |
2 | LOAN_REFERENCE_NUMBER | Alphanumeric | 20 | Y | Your unique reference number for this loan. Loan ID may be used. |
3 | TRACKING_NUMBER | Alphanumeric | 13 | * | NYS tracking number of filing. *Required if editing. |
4 | EMAIL_TRACKING | Alphanumeric | 80 | Y | Email address – for filing receipt |
5 | FILER_NAME | Alphanumeric | 50 | Y | Name of filer |
6 | EMAIL_FILER | Alphanumeric | 80 | Y | Email address of filer |
7 | FILER_PHONE | Numeric | 10 | N | Phone of filer |
8 | FILER_PHONE_EXT | Numeric | 10 | N | Phone extension of filer |
9 | DTE_MAILING | Date | 8 | Y | Format: MMDDYYYY, Example: 02132010 |
10 | ADDR_LIN1_PROPERTY | Alphanumeric | 50 | Y | Street address line 1(Street or P O box) |
11 | ADDR_LIN2_PROPERTY | Alphanumeric | 50 | N | Street Address line 2 |
12 | ADDR_CITY_PROPERTY | Alphanumeric | 30 | Y | Address city |
13 | ADDR_CDE_STATE_PROPERTY | Alphanumeric | 2 | Y | Use abbreviated State code (NY properties Only) |
14 | ADDR_ZIP5_PROPERTY | Numeric | 5 | Y | 5 digit Zip code |
15 | ADDR_ZIP4_PROPERTY | Numeric | 4 | N | 4 digit extended Zip code |
16 | ADDR_CDE_COUNTY_PROPERTY | Numeric | 5 | Y | Please use county code from list below |
17 | CDE_PROPERTY_TYPE | Numeric | 2 | Y | Use codes as follows: 1 –1 to 4 Family Home 2 –Co-Op 3 –Condo 4 –Manufactured or Mobile Home |
18 | DTE_ORIG_LOAN | Date | 8 | Y | Original Loan Date – format – MMDDYYYY |
19 | AMT_ORIG_LOAN | Numeric | 11 | Y | Original Loan Amount - Please round to the nearest dollar |
20 | FLG_MODIFIED | Alphanumeric | 2 | Y | Modification may be temporary or permanent. Please use code from below: 0 - Yes 1 - No |
21 | CDE_LIEN_POSITION | Numeric | 2 | Y | Please use code from below: 1 - 1st Lien 2 - Junior Lien |
22 | CDE_LOAN_CATEGORY | Numeric | 2 | Y | Please use code from below: 99 - Forward Mortgage 3 - HELOC 4 - HELOAN 5 - Reverse Mortgage 98 -Other |
23 | CDE_RATE_DETAIL | Numeric | 2 | Y | Please use code from below: 1 - Fixed Rate 2 - Adjustable Rate 3 - Payment Option Adjustable Rate 4 - Interest Only |
24 | LOAN_RESET_FREQ | Numeric | 2 | * | If adjustable rate or payment option adjustable rate I the row above, frequency of reset (If loan is reset less frequently, for example every 2 years, use 1- Annual): Please use code from below: 1 - Annual 2 – Semi Annual 3 – Quarterly 4 – Monthly |
25 | CDE_LOAN_TERM | Numeric | 2 | Y | Please use code from below: 1 - 40 Years 2 - 30 Years 3 - 25 Years 4 - 20 Years 5 - 15 Years 6 - 10 Years 7 - 7 Year Balloon 99 - Other |
26 | INT_RATE_CURRENT | Numeric | 6 | Y | Current interest rate for this loan: Up to 3 decimal places - example 07.875 |
27 | INT_RATE_DEFAULT | Numeric | 6 | Y | Default interest rate for this loan: Up to 3 decimal places - example 07.875 |
28 | AMT_DELINQ_PMNT | Numeric | 11 | Y | Delinquent Contractual Payment – Please round to the nearest dollar |
29 | AMT_LATE_FEES | Numeric | 9 | Y | Late Fees – Please round to the nearest dollar |
30 | AMT_OTHER | Numeric | 9 | Y | Other charges – Please round to the nearest dollar |
31 | AMT_CUR_MONTH_PMNT | Numeric | 9 | Y | Current monthly Payments – Please round to the nearest dollar |
32 | AMT_PRINCIPAL_BALANCE | Numeric | 11 | Y | Specify the current principal balance as of the date of the pre-foreclosure notice |
33 | FLG_ESCROW_INCL | Alphanumeric | 2 | Y | Does Payment include escrow with taxes, Insurance or PMI? Please use code below: Y – Yes N – No 98 – Not Available |
34 | LOAN_DELINQ_LENGTH | Numeric | 2 | Y | How long has loan been delinquent? Please use code below: 1 - Less than 60 days 2 - 61-90 days 3 - 91 -120 days 4 - over 120 days |
35 | FLG_INVEST_OWNED | Alphanumeric | 1 | Y | Is loan investor owned? A loan is investor owned if it is owned by one party and being serviced by another party. (‘Investor owned’ includes but is not limited to, loans with GSEs or other federal, state or municipal agencies) Please use code below: Y -Yes N –No If yes, please provide beneficial investor(s) and Manager(s)/Trustee(s)details, using detail record. If no, please provide lien holder(s)as applicable, using detail record. |
36 | FLG_AGENT_OF_LIEN_HOLDER | Alphanumeric | 1 | * | Is there an agent for lien holder? Please use code below: Y – Yes N – No If yes, please provide Agent of Lien Holder details using detail record (as well as Lien Holder details). If no, provide just the Lien Holder details. *Required only if N in row above |
37 | FLG_SECURITIZED | Alphanumeric | 1 | * | Is loan investor securitized? Please use code below: Y - Yes N – No If yes, please provide Trustee(s)/Manager(s) and Investor(s) details using detail record. *Required only if Y in row 35 |
38 | FLG_TRUST_PERMITS_MODIFICATION | Alphanumeric | 1 | * | Trust (PSA) permits modification Y – Yes N – No *Required only if Y in row above |
39 | NO_MODIFICATION_REFERENCE | Alphanumeric | 40 | * | Cite the specific section or paragraph of the Pooling and Servicing Agreement that contains the prohibition on modifications *Required only if N in row above |
40 | PROPERTY_INSPECTED | Alphanumeric | 1 | Y | Has the property been inspected? Y or N |
41 | IS_PROPERTY_VACANT | Alphanumeric | 1 | Y | Do you believe the property is currently vacant or abandoned? Y or N |
42 | BASIS_OF_BELIEF | Alphanumeric | 300 | * | If answer to row 41 Y please provide the basis why you think the property is vacant |
43 | SELLER_FINANCED_FLAG | Alphanumeric | 1 | N | Is the loan Seller financed? Y or N |
44 | LENDER_NMLS_ID | Numeric | 28 | N | NMLS ID of the Lender. Private lenders use 0 (zero) as your NMLS ID. |
45 | MLO_NMLS_ID | Numeric | 28 | N | NMLS ID of Mortgage Loan Originator (MLO) |
46 | CDE_REVERSE_MORTGAGE_TYPE | Numeric | 2 | * | If Reverse Mortgage (choice 5) is selected in row 22 provide type: 1 - NY RPL 280 |
47 | CDE_HUD_APPROVAL_STATUS | Numeric | 2 | * | If HECM (choice 3) is selected in row above, provide HUD approval status: 1 - The lender, assignee or mortgage loan servicer has received final approval from the federal Department of Housing and Urban Development to accelerate the reverse mortgage loan that is the subject of this filing. 2 - The lender, assignee or mortgage loan servicer has confirmed that final approval from the federal Department of Housing and Urban Development is not required to accelerate the reverse mortgage loan that is the subject of this filing. |
Step 1 Detail ‐ File Specification
- File Name: Please use unique file names for each submission by concatenating the first 15 letters of your company name, the form type and the date (ex.: SERVICERCOMPANYSTEP1DTLDDMMYYYY.txt)
Data File Requirements:
- Data format: ASCII delimited text file
- Field Separator: Tilde (~)>
- Record Separator: LF (Line Feed)
File Layout (Required fields must be filled if applicable):
Row Number | Column Name | Data Type | Maximum Width | Required? | Notes/Sample |
---|---|---|---|---|---|
1 | RECORD_TYPE | Alphanumeric | 3 | Y | Indicate the type of record HDR - Header record DTL - Detail record |
2 | LOAN_REFERENCE_NUMBER | Alphanumeric | 20 | Y | Your unique reference number for this loan. Loan ID may be used. |
3 | TYPE_ENTITY | Alphanumeric | 3 | Y | PRI – Primary Borrower SEC - Secondary/Additional Borrower INV – Investor LHR – Lien Holder ALH – Agent of Lien Holder TTE – Trustee MGR – Manager IGR – Investor Group |
4 | NAME_FIRST_PERSON | Alphanumeric | 30 | Y | Borrower or business contact or individual lien holder first name |
5 | NAME_LAST_PERSON | Alphanumeric | 40 | Y | Borrower or business' contact or individual lien holder last name |
6 | NAME_BUSINESS | Alphanumeric | 150 | * | Business Name *required if it is a business |
7 | NAME_DBA_BUSINESS | Alphanumeric | 150 | N | Doing Business As name if used |
8 | FLG_FOREIGN_ADDRESS | Alphanumeric | 1 | Y | Is the business', borrower's or individual investor's address foreign? Y - Yes N - No |
9 | ADDR_LIN1 | Alphanumeric | 50 | * | Street address line 1 (Street or PO box) *Required for all non-foreign addresses |
10 | ADDR_LIN2 | Alphanumeric | 50 | N | Street Address line 2 |
11 | ADDR_CITY | Alphanumeric | 30 | * | City *Required for all non-foreign addresses |
12 | ADDR_STATE | Alphanumeric | 2 | * | Please use abbreviated State code *Required for all non-foreign addresses |
13 | ADDR_ZIP5 | Numeric | 5 | * | 5 digit Zip code *Required for all non-foreign addresses |
14 | ADDR_ZIP4 | Numeric | 4 | N | 4 digit extended Zip code |
15 | PHONE_MAIN_PERSON | Numeric | 10 | * | Main phone number of borrower, business' contact or individual lien holder. No formatting characters Example: 8005551212 *Required for all non-foreign addresses |
16 | PHONE_MAIN_ EXT_ PERSON | Numeric | 10 | N | Main Phone extension of borrower, business' contact or individual lien holder |
17 | PHONE_ALT_PERSON | Numeric | 10 | N | Alternate phone number of borrower, business' contact or individual lien holder. No formatting characters. Example: 8005551212 |
18 | PHONE_ALT_ EXT_PERSON | Numeric | 10 | N | Alternate phone extension of borrower, business' contact or individual lien holder. No formatting characters. Example: 8005551212 |
19 | EMAIL_PERSON | Alphanumeric | 80 | N | Email of borrower, business' contact or individual lien holder |
20 | ADDR_COUNTRY | Alphanumeric | 2 | * | Use the Alpha-2 ISO country codes – at http://www.iso.org/iso/english_country_names_and_code_elements *Required for all foreign addresses |
21 | ADDR_FOREIGN_LIN1 | Alphanumeric | 50 | * | *Required for all foreign addresses |
22 | ADDR_FOREIGN_LIN2 | Alphanumeric | 50 | N | Foreign address line 2 |
23 | ADDR_FOREIGN_LIN3 | Alphanumeric | 50 | N | Foreign address line 3 |
24 | ADDR_FOREIGN_LIN4 | Alphanumeric | 50 | N | Foreign address line 4 |
25 | PHONE_FOREIGN_ PERSON | Alphanumeric | 30 | * | Main phone number of borrower, business' contact or individual lien holder *Required for all foreign addresses |
New York State County Code Table
Code | County Name |
---|---|
36001 | Albany |
36003 | Allegany |
36005 | Bronx |
36007 | Broome |
36009 | Cattaraugus |
36011 | Cayuga |
36013 | Chautauqua |
36015 | Chemung |
36017 | Chenango |
36019 | Clinton |
36021 | Columbia |
36023 | Cortland |
36025 | Delaware |
36027 | Dutchess |
36029 | Erie |
36031 | Essex |
36033 | Franklin |
36035 | Fulton |
36037 | Genesee |
36039 | Greene |
36041 | Hamilton |
36043 | Herkimer |
36045 | Jefferson |
36047 | Kings |
36049 | Lewis |
36051 | Livingston |
36053 | Madison |
36055 | Monroe |
36057 | Montgomery |
36059 | Nassau |
36061 | New York |
36063 | Niagara |
36065 | Oneida |
36067 | Onondaga |
36069 | Ontario |
36071 | Orange |
36073 | Orleans |
36075 | Oswego |
36077 | Otsego |
36079 | Putnam |
36081 | Queens |
36083 | Rensselaer |
36085 | Richmond |
36087 | Rockland |
36089 | St. Lawrence |
36091 | Saratoga |
36093 | Schenectady |
36095 | Schoharie |
36097 | Schuyler |
36099 | Seneca |
36101 | Steuben |
36103 | Suffolk |
36105 | Sullivan |
36107 | Tioga |
36109 | Tompkins |
36111 | Ulster |
36113 | Warren |
36115 | Washington |
36117 | Wayne |
36119 | Westchester |
36121 | Wyoming |
36123 | Yates |