data out ; set in; attrib nsmoid length = 8. format = PIDFM. label = "NSMO Identification Number"; attrib survey_wave length = 3. format = PWVFM. label = "NSMO Survey Wave (Quarterly)"; attrib analysis_weight length = 8. format = PWGTFM. label = "NSMO Analysis Weight (Sampling Weight x Non-response Adjustment)"; attrib x05a length = 3. format = PVERYFM. label = "X05A: When you began the process of getting this mortgage, how familiar were you (and any co-signers) with each of the following? | The mortgage interest rates available at that time" ; attrib x05b length = 3. format = PVERYFM. label = "X05B: When you began the process of getting this mortgage, how familiar were you (and any co-signers) with each of the following? | The different types of mortgages available" ; attrib x05c length = 3. format = PVERYFM. label = "X05C: When you began the process of getting this mortgage, how familiar were you (and any co-signers) with each of the following? | The mortgage process" ; attrib x05d length = 3. format = PVERYFM. label = "X05D: When you began the process of getting this mortgage, how familiar were you (and any co-signers) with each of the following? | The down payment needed to qualify for a mortgage" ; attrib x05e length = 3. format = PVERYFM. label = "X05E: When you began the process of getting this mortgage, how familiar were you (and any co-signers) with each of the following? | The income needed to qualify for a mortgage" ; attrib x05f length = 3. format = PVERYFM. label = "X05F: When you began the process of getting this mortgage, how familiar were you (and any co-signers) with each of the following? | Your credit history or credit score" ; attrib x05g length = 3. format = PVERYFM. label = "X05G: When you began the process of getting this mortgage, how familiar were you (and any co-signers) with each of the following? | The money needed at closing" ; attrib x06 length = 3. format = PVERYFM. label = "X06: When you began the process of getting this mortgage, how concerned were you about qualifying for a mortgage?" ; attrib x07 length = 3. format = PIDEAFM. label = "X07: How firm an idea did you have about the mortgage you wanted?" ; attrib x08a length = 3. format = PLOTFM. label = "X08A: How much did you use each of the following sources to get information about mortgages or mortgage lenders? | Your mortgage lender/broker" ; attrib x08b length = 3. format = PLOTFM. label = "X08B: How much did you use each of the following sources to get information about mortgages or mortgage lenders? | Other mortgage lenders/brokers" ; attrib x08c length = 3. format = PLOTFM. label = "X08C: How much did you use each of the following sources to get information about mortgages or mortgage lenders? | Real estate agents or builders" ; attrib x08d length = 3. format = PLOTFM. label = "X08D: How much did you use each of the following sources to get information about mortgages or mortgage lenders? | Material in the mail" ; attrib x08e length = 3. format = PLOTFM. label = "X08E: How much did you use each of the following sources to get information about mortgages or mortgage lenders? | Websites that provide information on getting a mortgage" ; attrib x08f length = 3. format = PLOTFM. label = "X08F: How much did you use each of the following sources to get information about mortgages or mortgage lenders? | Newspaper/TV/Radio" ; attrib x08g length = 3. format = PLOTFM. label = "X08G: How much did you use each of the following sources to get information about mortgages or mortgage lenders? | Friends/relatives/co-workers" ; attrib x08h length = 3. format = PLOTFM. label = "X08H: How much did you use each of the following sources to get information about mortgages or mortgage lenders? | Bankers, credit unions or financial planners" ; attrib x08i length = 3. format = PLOTFM. label = "X08I: How much did you use each of the following sources to get information about mortgages or mortgage lenders? | Housing counselors" ; attrib x09 length = 3. format = PPICKFM. label = "X09: Which one of the following best describes your shopping process?" ; attrib x10 length = 3. format = PAPPFM. label = "X10: Which one of the following best describes how you applied for this mortgage?" ; attrib x11 length = 3. format = PLENDFM. label = "X11: How many different mortgage lenders/brokers did you seriously consider before choosing where to apply for this mortgage?" ; attrib x12 length = 3. format = PLENDFM. label = "X12: How many different mortgage lenders/brokers did you end up applying to?" ; attrib x13a length = 3. format = PYNFM. label = "X13A: Did you apply to more than one mortgage lender/broker for any of the following reasons? | Searching for better loan terms" ; attrib x13b length = 3. format = PYNFM. label = "X13B: Did you apply to more than one mortgage lender/broker for any of the following reasons? | Concern over qualifying for a loan" ; attrib x13c length = 3. format = PYNFM. label = "X13C: Did you apply to more than one mortgage lender/broker for any of the following reasons? | Information learned from the 'Loan Estimate'" ; attrib x13d length = 3. format = PYNFM. label = "X13D: Did you apply to more than one mortgage lender/broker for any of the following reasons? | Turned down on earlier application" ; attrib x14a length = 3. format = PIMPFM. label = "X14A: How important were each of the following in choosing the mortgage lender/broker you used for the mortgage you took out? | Having an established banking relationship (Waves 7-30)" ; attrib x14a_1 length = 3. format = PVERYFM. label = "X14A_1: How important were each of the following in choosing the lender/broker you used for the mortgage you took out? | Having an established banking relationship (Waves 1-6)" ; attrib x14b length = 3. format = PIMPFM. label = "X14B: How important were each of the following in choosing the mortgage lender/broker you used for the mortgage you took out? | Having a local office or branch nearby (Waves 7-30)" ; attrib x14b_1 length = 3. format = PVERYFM. label = "X14B_1: How important were each of the following in choosing the lender/broker you used for the mortgage you took out? | Having a local office or branch nearby (Waves 1-6)" ; attrib x14c length = 3. format = PIMPFM. label = "X14C: How important were each of the following in choosing the mortgage lender/broker you used for the mortgage you took out? | Used previously to get a mortgage (Waves 7-30)" ; attrib x14c_1 length = 3. format = PVERYFM. label = "X14C_1: How important were each of the following in choosing the lender/broker you used for the mortgage you took out? | Used previously to get a mortgage (Waves 1-6)" ; attrib x14d length = 3. format = PIMPFM. label = "X14D: How important were each of the following in choosing the mortgage lender/broker you used for the mortgage you took out? | Mortgage lender/broker is a personal friend or relative (Waves 7-30)" ; attrib x14d_1 length = 3. format = PVERYFM. label = "X14D_1: How important were each of the following in choosing the lender/broker you used for the mortgage you took out? | Lender/broker is a personal friend or relative (Waves 1-6)" ; attrib x14e length = 3. format = PIMPFM. label = "X14E: How important were each of the following in choosing the mortgage lender/broker you used for the mortgage you took out? | Paperless online mortgage process (Waves 19-30)" ; attrib x14f length = 3. format = PIMPFM. label = "X14F: How important were each of the following in choosing the mortgage lender/broker you used for the mortgage you took out? | Recommendation from a friend/relative/co-worker (Waves 7-30)" ; attrib x14f_1 length = 3. format = PVERYFM. label = "X14F_1: How important were each of the following in choosing the lender/broker you used for the mortgage you took out? | Recommendation from a friend/relative/co-worker (Waves 1-6)" ; attrib x14g length = 3. format = PIMPFM. label = "X14G: How important were each of the following in choosing the mortgage lender/broker you used for the mortgage you took out? | Recommendation from a real estate agent/home builder (Waves 7-30)" ; attrib x14g_1 length = 3. format = PVERYFM. label = "X14G_1: How important were each of the following in choosing the lender/broker you used for the mortgage you took out? | Recommendation from a real estate agent/home builder (Waves 1-6)" ; attrib x14h length = 3. format = PIMPFM. label = "X14H: How important were each of the following in choosing the mortgage lender/broker you used for the mortgage you took out? | Reputation of the lender/mortgage broker (Waves 7-30)" ; attrib x14h_1 length = 3. format = PVERYFM. label = "X14H_1: How important were each of the following in choosing the lender/broker you used for the mortgage you took out? | Reputation of the lender/broker (Waves 1-6)" ; attrib x14i length = 3. format = PIMPFM. label = "X14I: How important were each of the following in choosing the mortgage lender/broker you used for the mortgage you took out? | Spoke my primary language, which is not English (Waves 7-30)" ; attrib x14i_1 length = 3. format = PVERYFM. label = "X14I_1: How important were each of the following in choosing the lender/broker you used for the mortgage you took out? | Spoke my primary language, which is not English (Waves 1-6)" ; attrib x14j length = 3. format = PIMPFM. label = "X14J: How important were each of the following in choosing the mortgage lender/broker you used for the mortgage you took out? | Could provide documents in my primary language, which is not English (Waves 13-30)" ; attrib x15 length = 3. format = PCONFM. label = "X15: Who initiated the first contact between you and the mortgage lender/broker you used for the mortgage you took out?" ; attrib x16 length = 3. format = PVERYFM. label = "X16: How open were you to suggestions from your mortgage lender/broker about mortgages with different features or terms?" ; attrib x17a length = 3. format = PIMPFM. label = "X17A: How important were each of the following in determining the mortgage you took out? | Lower interest rate (Waves 7-30)" ; attrib x17a_1 length = 3. format = PVERYFM. label = "X17A_1: How important were each of the following in determining the mortgage you took out? | Low interest rate (Waves 1-6)" ; attrib x17b length = 3. format = PIMPFM. label = "X17B: How important were each of the following in determining the mortgage you took out? | Lower APR (Annual Percentage Rate) (Waves 7-30)" ; attrib x17b_1 length = 3. format = PVERYFM. label = "X17B_1: How important were each of the following in determining the mortgage you took out? | Low APR (Annual Percentage Rate) (Waves 1-6)" ; attrib x17c length = 3. format = PIMPFM. label = "X17C: How important were each of the following in determining the mortgage you took out? | Lower closing fees (Waves 7-30)" ; attrib x17c_1 length = 3. format = PVERYFM. label = "X17C_1: How important were each of the following in determining the mortgage you took out? | Low closing fees (Waves 1-6)" ; attrib x17d length = 3. format = PIMPFM. label = "X17D: How important were each of the following in determining the mortgage you took out? | Lower down payment (Waves 7-30)" ; attrib x17d_1 length = 3. format = PVERYFM. label = "X17D_1: How important were each of the following in determining the mortgage you took out? | Low down payment(Waves 1-6)" ; attrib x17e length = 3. format = PIMPFM. label = "X17E: How important were each of the following in determining the mortgage you took out? | Lower monthly payment (Waves 7-30)" ; attrib x17e_1 length = 3. format = PVERYFM. label = "X17E_1: How important were each of the following in determining the mortgage you took out? | Low monthly payment (Waves 1-6)" ; attrib x17f length = 3. format = PIMPFM. label = "X17F: How important were each of the following in determining the mortgage you took out? | An interest rate fixed for the life of the loan (Waves 7-30)" ; attrib x17f_1 length = 3. format = PVERYFM. label = "X17F_1: How important were each of the following in determining the mortgage you took out? | An interest rate fixed for the life of the loan (Waves 1-6)" ; attrib x17g length = 3. format = PIMPFM. label = "X17G: How important were each of the following in determining the mortgage you took out? | A term of 30 years (Waves 7-30)" ; attrib x17g_1 length = 3. format = PVERYFM. label = "X17G_1: How important were each of the following in determining the mortgage you took out? | A term of less than 30 years (Waves 1-6)" ; attrib x17h length = 3. format = PIMPFM. label = "X17H: How important were each of the following in determining the mortgage you took out? | No mortgage insurance (Waves 7-30)" ; attrib x17h_1 length = 3. format = PVERYFM. label = "X17H_1: How important were each of the following in determining the mortgage you took out? | No mortgage insurance (Waves 1-6)" ; attrib x18 length = 3. format = PYNFM. label = "X18: Your lender may have given you a booklet 'Your home loan toolkit: A step-by-step guide,' do you remember receiving a copy? (Waves 7-30)" ; attrib x19 length = 3. format = PYNFM. label = "X19: Did the 'Your home loan toolkit' booklet lead you to ask additional questions about your mortgage terms? (Waves 7-30)" ; attrib x20a length = 3. format = PYNFM. label = "X20A: In the process of getting this mortgage from your mortgage lender/broker, did you... | Have to add another co-signer to qualify (Waves 7-230)" ; attrib x20b length = 3. format = PYNFM. label = "X20B: In the process of getting this mortgage from your mortgage lender/broker, did you... | Resolve credit report errors or problems" ; attrib x20c length = 3. format = PYNFM. label = "X20C: In the process of getting this mortgage from your mortgage lender/broker, did you... | Answer follow-up requests for more information about income or assets" ; attrib x20d length = 3. format = PYNFM. label = "X20D: In the process of getting this mortgage from your mortgage lender/broker, did you... | Have more than one appraisal" ; attrib x20e length = 3. format = PYNFM. label = "X20E: In the process of getting this mortgage from your mortgage lender/broker, did you... | Redo/refile paperwork due to processing delays" ; attrib x20f length = 3. format = PYNFM. label = "X20F: In the process of getting this mortgage from your mortgage lender/broker, did you... | Delay or postpone closing date" ; attrib x20g length = 3. format = PYNFM. label = "X20G: In the process of getting this mortgage from your mortgage lender/broker, did you... | Have your 'Loan Estimate' revised to reflect changes in your loan terms (Waves 5-30)" ; attrib x20h length = 3. format = PYNFM. label = "X20H: In the process of getting this mortgage from your mortgage lender/broker, did you... | Check other sources to confirm that the terms of this mortgage were reasonable (Waves 7-30)" ; attrib x20i length = 3. format = PYNFM. label = "X20I: In the process of getting this mortgage from your mortgage lender/broker, did you... | Get documents in your primary language, which is not English (Waves 13-30)" ; attrib x20j length = 3. format = PYNFM. label = "X20J: In the process of getting this mortgage from your mortgage lender/broker, did you... | Have the lender/broker translate in your primary language, which is not English (Waves 13-30)" ; attrib x21a length = 3. format = PYNFM. label = "X21A: Was the 'Loan Estimate' you received from your mortgage lender/broker... | Easy to understand" ; attrib x21b length = 3. format = PYNFM. label = "X21B: Was the 'Loan Estimate' you received from your mortgage lender/broker... | Valuable information" ; attrib x22a length = 3. format = PYNFM. label = "X22A: Did the 'Loan Estimate' lead you to... | Ask questions of your mortgage lender/broker" ; attrib x22b length = 3. format = PYNFM. label = "X22B: Did the 'Loan Estimate' lead you to... | Seek a change in your loan or closing" ; attrib x22c length = 3. format = PYNFM. label = "X22C: Did the 'Loan Estimate' lead you to... | Apply to a different mortgage lender/broker (Waves 11-30)" ; attrib x23a length = 3. format = PYNFM. label = "X23A: During the application process were you told about mortgages with any of the following? | An interest rate that is fixed for the life of the loan" ; attrib x23b length = 3. format = PYNFM. label = "X23B: During the application process were you told about mortgages with any of the following? | An interest rate that could change over the life of the loan" ; attrib x23c length = 3. format = PYNFM. label = "X23C: During the application process were you told about mortgages with any of the following? | A term of less than 30 years" ; attrib x23d length = 3. format = PYNFM. label = "X23D: During the application process were you told about mortgages with any of the following? | A higher interest rate in return for lower closing costs" ; attrib x23e length = 3. format = PYNFM. label = "X23E: During the application process were you told about mortgages with any of the following? | A lower interest rate in return for paying higher closing costs (discount points)" ; attrib x23f length = 3. format = PYNFM. label = "X23F: During the application process were you told about mortgages with any of the following? | Interest-only monthly payments" ; attrib x23g length = 3. format = PYNFM. label = "X23G: During the application process were you told about mortgages with any of the following? | An escrow account for taxes and/or homeowner insurance" ; attrib x23h length = 3. format = PYNFM. label = "X23H: During the application process were you told about mortgages with any of the following? | A prepayment penalty (fee if the mortgage is paid off early)" ; attrib x23i length = 3. format = PYNFM. label = "X23I: During the application process were you told about mortgages with any of the following? | Reduced documentation or 'easy' approval" ; attrib x23j length = 3. format = PYNFM. label = "X23J: During the application process were you told about mortgages with any of the following? | An FHA, VA, USDA or Rural Housing loan" ; attrib x24a length = 3. format = PYNFM. label = "X24A: In selecting your settlement/closing agent did you use someone... | Selected/recommended by the mortgage lender/broker, or real estate agent" ; attrib x24b length = 3. format = PYNFM. label = "X24B: In selecting your settlement/closing agent did you use someone... | You used previously" ; attrib x24c length = 3. format = PYNFM. label = "X24C: In selecting your settlement/closing agent did you use someone... | Found shopping around" ; attrib x24z length = 3. format = PYNFM. label = "X24Z: In selecting your settlement/closing agent did you use someone... | Did not have a settlement/closing agent (Waves 11-30)" ; attrib x25 length = 3. format = PYNFM. label = "X25: Do you have title insurance on this mortgage? (Waves 11-30)" ; attrib x25_1 length = 3. format = PYNFM. label = "X25_1: Did your lender require you to get title insurance on this mortgage? (Waves 1-10)" ; attrib x26 length = 3. format = PTIFM. label = "X26: Which one best describes how you picked the title insurance?" ; attrib x27a length = 3. format = PVERYFM. label = "X27A: Overall, how satisfied are you that the mortgage you got was the one with the... | Best terms to fit your needs" ; attrib x27b length = 3. format = PVERYFM. label = "X27B: Overall, how satisfied are you that the mortgage you got was the one with the... | Lowest interest rate for which you could qualify" ; attrib x27c length = 3. format = PVERYFM. label = "X27C: Overall, how satisfied are you that the mortgage you got was the one with the... | Lowest closing costs" ; attrib x28a length = 3. format = PVERYFM. label = "X28A: Overall, how satisfied are you with the... | Mortgage lender/broker you used" ; attrib x28b length = 3. format = PVERYFM. label = "X28B: Overall, how satisfied are you with the... | Application process" ; attrib x28c length = 3. format = PVERYFM. label = "X28C: Overall, how satisfied are you with the... | Documentation process required for the loan (Waves 7-30)" ; attrib x28d length = 3. format = PVERYFM. label = "X28D: Overall, how satisfied are you with the... | Loan closing process" ; attrib x28e length = 3. format = PVERYFM. label = "X28E: Overall, how satisfied are you with the... | Information in mortgage disclosure documents" ; attrib x28f length = 3. format = PVERYFM. label = "X28F: Overall, how satisfied are you with the... | Timeliness of mortgage disclosure documents" ; attrib x28g length = 3. format = PVERYFM. label = "X28G: Overall, how satisfied are you with the... | Settlement agent" ; attrib x29 length = 3. format = PYNFM. label = "X29: Did you take a course about home-buying or talk to a professional housing counselor?" ; attrib x30a length = 3. format = PYNFM. label = "X30A: Was your home-buying course or counseling... | In person, one-on-one" ; attrib x30b length = 3. format = PYNFM. label = "X30B: Was your home-buying course or counseling... | In person, in a group" ; attrib x30c length = 3. format = PYNFM. label = "X30C: Was your home-buying course or counseling... | Over the phone" ; attrib x30d length = 3. format = PYNFM. label = "X30D: Was your home-buying course or counseling... | Online" ; attrib x30e length = 3. format = PYNFM. label = "X30E: Was your home-buying course or counseling... | Required" ; attrib x31 length = 3. format = PCOUNFM. label = "X31: How many hours was your home-buying course or counseling?" ; attrib x32 length = 3. format = PVERYFM. label = "X32: Overall, how helpful was your home-buying course or counseling?" ; attrib x33 length = 3. format = PPURPFM. label = "X33: Which one of these reasons best describes this most recent mortgage?" ; attrib x34a length = 3. format = PTIMEFM. label = "X34A: Did you do the following before or after you made an offer on this house or property? | Contacted a lender to explore mortgage options (Waves 7-30)" ; attrib x34b length = 3. format = PTIMEFM. label = "X34B: Did you do the following before or after you made an offer on this house or property? | Got a pre-approval or pre-qualification from a lender (Waves 7-30)" ; attrib x34c length = 3. format = PTIMEFM. label = "X34C: Did you do the following before or after you made an offer on this house or property? | Decided on the type of loan (Waves 7-30)" ; attrib x34d length = 3. format = PTIMEFM. label = "X34D: Did you do the following before or after you made an offer on this house or property? | Made a decision on which lender to use (Waves 7-30)" ; attrib x34e length = 3. format = PTIMEFM. label = "X34E: Did you do the following before or after you made an offer on this house or property? | Submitted an official loan application (Waves 7-30)" ; attrib z35 length = 3. format = PBLANKFM. label = "Z35: What percent down payment did you make on this property? (Indicator)" ; attrib x36a length = 3. format = PYNFM. label = "X36A: Did you use any of the following sources of funds to purchase this property? | Proceeds from the sale of another property" ; attrib x36b length = 3. format = PYNFM. label = "X36B: Did you use any of the following sources of funds to purchase this property? | Savings, retirement account, inheritance, or other assets" ; attrib x36c length = 3. format = PYNFM. label = "X36C: Did you use any of the following sources of funds to purchase this property? | Assistance or loan from a nonprofit or government agency" ; attrib x36d length = 3. format = PYNFM. label = "X36D: Did you use any of the following sources of funds to purchase this property? | A second lien, home equity loan, or home equity line of credit (HELOC) (Waves 7-30)" ; attrib x36e length = 3. format = PYNFM. label = "X36E: Did you use any of the following sources of funds to purchase this property? | Gift or loan from family or friend" ; attrib x36f length = 3. format = PYNFM. label = "X36F: Did you use any of the following sources of funds to purchase this property? | Seller contribution" ; attrib x37a length = 3. format = PIMPFM. label = "X37A: How important were the following in your decision to refinance, modify, or obtain a new mortgage? | Change to a fixed-rate loan (Waves 7-30)" ; attrib x37a_1 length = 3. format = PVERYFM. label = "X37A_1: How important, if at all, were the following reasons in your decision to refinance, modify, or obtain a new mortgage? | Change to a fixed-rate loan (Waves 1-6)" ; attrib x37b length = 3. format = PIMPFM. label = "X37B: How important were the following in your decision to refinance, modify, or obtain a new mortgage? | Get a lower interest rate (Waves 7-30)" ; attrib x37b_1 length = 3. format = PVERYFM. label = "X37B_1: How important, if at all, were the following reasons in your decision to refinance, modify, or obtain a new mortgage? | Get a lower interest rate (Waves 1-6)" ; attrib x37c length = 3. format = PIMPFM. label = "X37C: How important were the following in your decision to refinance, modify, or obtain a new mortgage? | Get a lower monthly payment (Waves 7-30)" ; attrib x37c_1 length = 3. format = PVERYFM. label = "X37C_1: How important, if at all, were the following reasons in your decision to refinance, modify, or obtain a new mortgage? | Get a lower monthly payment (Waves 1-6)" ; attrib x37d length = 3. format = PIMPFM. label = "X37D: How important were the following in your decision to refinance, modify, or obtain a new mortgage? | Consolidate or pay down other debt (Waves 7-30)" ; attrib x37d_1 length = 3. format = PVERYFM. label = "X37D_1: How important, if at all, were the following reasons in your decision to refinance, modify, or obtain a new mortgage? | Consolidate or pay down other debt (Waves 1-6)" ; attrib x37e length = 3. format = PIMPFM. label = "X37E: How important were the following in your decision to refinance, modify, or obtain a new mortgage? | Repay the loan more quickly (Waves 7-30)" ; attrib x37e_1 length = 3. format = PVERYFM. label = "X37E_1: How important, if at all, were the following reasons in your decision to refinance, modify, or obtain a new mortgage? | Repay the loan more quickly (Waves 1-6)" ; attrib x37f length = 3. format = PIMPFM. label = "X37F: How important were the following in your decision to refinance, modify, or obtain a new mortgage? | Take out cash (Waves 7-30)" ; attrib x37f_1 length = 3. format = PVERYFM. label = "X37F_1: How important, if at all, were the following reasons in your decision to refinance, modify, or obtain a new mortgage? | Take out cash (Waves 1-6)" ; attrib x37g length = 3. format = PIMPFM. label = "X37G: : How important were the following in your decision to refinance, modify, or obtain a new mortgage? | Remove private mortgage insurance"; attrib z38 length = 3. format = PBLANKFM. label = "Z38: Approximately how much was owed, in total, on the old mortgage(s) and loan(s) you refinanced? (Indicator)" ; attrib x40a length = 3. format = PYNFM. label = "X40A: Did you use the money you got from this new mortgage for any of the following? | College expenses" ; attrib x40b length = 3. format = PYNFM. label = "X40B: Did you use the money you got from this new mortgage for any of the following? | Auto or other major purchase" ; attrib x40c length = 3. format = PYNFM. label = "X40C: Did you use the money you got from this new mortgage for any of the following? | Buy out co-borrower e.g. ex-spouse (Waves 11-30)" ; attrib x40d length = 3. format = PYNFM. label = "X40D: Did you use the money you got from this new mortgage for any of the following? | Pay off other bills or debts" ; attrib x40e length = 3. format = PYNFM. label = "X40E: Did you use the money you got from this new mortgage for any of the following? | Home repairs or new construction" ; attrib x40f length = 3. format = PYNFM. label = "X40F: Did you use the money you got from this new mortgage for any of the following? | Savings" ; attrib x40g length = 3. format = PYNFM. label = "X40G: Did you use the money you got from this new mortgage for any of the following? | Closing costs of new mortgage" ; attrib x40h length = 3. format = PYNFM. label = "X40H: Did you use the money you got from this new mortgage for any of the following? | Business or investment" ; attrib x40z length = 3. format = PYNFM. label = "X40H: Did you use the money you got from this new mortgage for any of the following? | Did not get money from refinancing (Waves 19-30)" ; attrib z41 length = 3. format = PBLANKFM. label = "Z41: When you took out this most recent mortgage or refinance, what was the dollar amount you borrowed? (Indicator)" ; attrib z42 length = 3. format = PBLANKFM. label = "Z42: What is the monthly payment, including the amount paid to escrow for taxes and insurance? (Indicator)" ; attrib z43 length = 3. format = PBLANKFM. label = "Z43: What is the interest rate on this mortgage? (Indicator)" ; attrib x44 length = 3. format = PYNFM. label = "X44: Is this an adjustable-rate mortgage (one that allows the interest rate to change over the life of the loan)?" ; attrib x45 length = 3. format = PINTFM. label = "X45: Which one of the following best describes how you decided on the interest rate of your mortgage?" ; attrib x46a length = 3. format = PYNFM. label = "X46A: Does this mortgage have... | A prepayment penalty (fee if the mortgage is paid off early)" ; attrib x46b length = 3. format = PYNFM. label = "X46B: Does this mortgage have... | An escrow account for taxes and/or homeowner insurance" ; attrib x46c length = 3. format = PYNFM. label = "X46C: Does this mortgage have... | A balloon payment" ; attrib x46d length = 3. format = PYNFM. label = "X46D: Does this mortgage have... | Interest-only payments" ; attrib x46e length = 3. format = PYNFM. label = "X46E: Does this mortgage have... | Private mortgage insurance (Waves 11-30)" ; attrib z47 length = 3. format = PBLANKFM. label = "Z47: The 'Closing Disclosure' statement you received at closing shows the loan closing costs and other closing costs separately. What were the loan closing costs you paid on this loan? (Indicator)" ; attrib x48a length = 3. format = PYNFM. label = "X48A: How were the total closing costs (loan costs and other costs) for this loan paid? | By me or a co-signer with a check or wire transfer" ; attrib x48b length = 3. format = PYNFM. label = "X48B: How were the total closing costs (loan costs and other costs) for this loan paid? | Added to the mortgage amount" ; attrib x48c length = 3. format = PYNFM. label = "X48C: How were the total closing costs (loan costs and other costs) for this loan paid? | By mortgage lender/broker" ; attrib x48d length = 3. format = PYNFM. label = "X48D: How were the total closing costs (loan costs and other costs) for this loan paid? | By seller/builder" ; attrib x48x length = 3. format = PYNFM. label = "X48X: How were the total closing costs (loan costs and other costs) for this loan paid? | Other" ; attrib x48z length = 3. format = PYNFM. label = "X48Z: How were the total closing costs (loan costs and other costs) for this loan paid? | Loan had no closing costs (Waves 11-30)" ; attrib x49 length = 3. format = PYNFM. label = "X49: Were the loan costs you paid similar to what you had expected to pay based on the Loan Estimates or Closing Disclosures you received? (Waves 11-30)" ; attrib x50a length = 3. format = PYNFM. label = "X50A: Did you seek input about your closing documents from any of the following people? | Mortgage lender/broker" ; attrib x50b length = 3. format = PYNFM. label = "X50B: Did you seek input about your closing documents from any of the following people? | Settlement/closing agent" ; attrib x50c length = 3. format = PYNFM. label = "X50C: Did you seek input about your closing documents from any of the following people? | Real estate agent" ; attrib x50d length = 3. format = PYNFM. label = "X50D: Did you seek input about your closing documents from any of the following people? | Personal attorney" ; attrib x50e length = 3. format = PYNFM. label = "X50E: Did you seek input about your closing documents from any of the following people? | Title insurance agent" ; attrib x50f length = 3. format = PYNFM. label = "X50F: Did you seek input about your closing documents from any of the following people? | Trusted friend or relative who is not a co-signer on the mortgage" ; attrib x50g length = 3. format = PYNFM. label = "X50G: Did you seek input about your closing documents from any of the following people? | Housing counselor" ; attrib x51a length = 3. format = PSAMEFM. label = "X51A: At any time after you made your final loan application did any of the following change? | Monthly payment (Waves 11-30)" ; attrib x51b length = 3. format = PSAMEFM. label = "X51B: At any time after you made your final loan application did any of the following change? | Interest rate (Waves 11-30)" ; attrib x51c length = 3. format = PSAMEFM. label = "X51C: At any time after you made your final loan application did any of the following change? | Other fees (Waves 11-30)" ; attrib x51d length = 3. format = PSAMEFM. label = "X51D: At any time after you made your final loan application did any of the following change? | Amount of money needed to close loan (Waves 11-30)" ; attrib x5001 length = 3. format = PRESERVE. label = "X5001: After closing on this mortgage, how much cash reserves in checking, savings, and other similar assets did you have remaining?"; attrib x53a length = 3. format = PYNFM. label = "X53A: Did you face any of the following at your loan closing? | Loan documents not ready at closing (Waves 19-30)" ; attrib x53a_1 length = 3. format = PYNFM. label = "X53A_1: Did you face any of the following at your loan closing? | Loan documents not ready at closing (Waves 11-18)" ; attrib x53b length = 3. format = PYNFM. label = "X53B: Did you face any of the following at your loan closing? | Closing did not occur as originally scheduled (Waves 19-30)" ; attrib x53b_1 length = 3. format = PYNFM. label = "X53B_1: Did you face any of the following at your loan closing? | Closing did not occur as originally scheduled (Waves 11-18)" ; attrib x53c length = 3. format = PYNFM. label = "X53C: Did you face any of the following at your loan closing? | Three day rule required re-disclosure (Waves 19-30)" ; attrib x53c_1 length = 3. format = PYNFM. label = "X53C_1: Did you face any of the following at your loan closing? | Three day rule required re-disclosure (Waves 11-18)" ; attrib x53d length = 3. format = PYNFM. label = "X53D: Did you face any of the following at your loan closing? | Mortgage terms different at closing than expected e.g. interest rate, monthly payment (Waves 19-30)" ; attrib x53d_1 length = 3. format = PYNFM. label = "X53D_1: Did you face any of the following at your loan closing? | Mortgage terms different at closing than expected e.g. interest rate, monthly payment (Waves 11-18)" ; attrib x53d1_1 length = 3. format = PYNFM. label = "X53D1_1: What unpleasant surprises did you face? | Different loan terms (Waves 1-10)" ; attrib x53d2_1 length = 3. format = PYNFM. label = "X53D2_1: What unpleasant surprises did you face? | Higher monthly payment (Waves 1-10)" ; attrib x53d3_1 length = 3. format = PYNFM. label = "X53D3_1: What unpleasant surprises did you face? | Higher interest rate (Waves 1-10)" ; attrib x53e length = 3. format = PYNFM. label = "X53E: Did you face any of the following at your loan closing? | More cash needed at closing e.g. escrow, unexpected fees (Waves 19-30)" ; attrib x53e_1 length = 3. format = PYNFM. label = "X53E_1: Did you face any of the following at your loan closing? | More cash needed at closing e.g. escrow, unexpected fees (Waves 11-18)" ; attrib x53e1_1 length = 3. format = PYNFM. label = "X53E1_1: What unpleasant surprises did you face? | Unexpected fees (Waves 1-10)" ; attrib x53e2_1 length = 3. format = PYNFM. label = "X53E2_1: What unpleasant surprises did you face? | Higher amount of money needed at closing (Waves 1-10)" ; attrib x53f length = 3. format = PYNFM. label = "X53F: Did you face any of the following at your loan closing? | Asked to sign blank documents at closing (Waves 19-30)" ; attrib x53f_1 length = 3. format = PYNFM. label = "X53F_1: Did you face any of the following at your loan closing? | Asked to sign blank documents at closing (Waves 1-18)" ; attrib x53g length = 3. format = PYNFM. label = "X53G: Did you face any of the following at your loan closing? | Felt rushed at closing or not given time to read documents (Waves 19-30)" ; attrib x53g_1 length = 3. format = PYNFM. label = "X53G_1: Did you face any of the following at your loan closing? | Felt rushed at closing or not given time to read documents (Waves 1-18)" ; attrib x53h length = 3. format = PYNFM. label = "X53H: Did you face any of the following at your loan closing? | Asked to sign pre-dated or post-dated documents at closing (Waves 19-30)" ; attrib x53i length = 3. format = PYNFM. label = "X53I: Did you face any of the following at your loan closing? | Less cash needed at closing than expected (Waves 19-30)" ; attrib x54 length = 3. format = PYNFM. label = "X54: At the time you took out this mortgage, did you also take out another loan on the property you financed with this mortgage (a second lien, home equity loan, or a home equity line of credit (HELOC))?" ; attrib z55 length = 3. format = PBLANKFM. label = "Z55: What was the amount of this loan? (Indicator)" ; attrib x56a length = 3. format = PVERYFM. label = "X56A: How well could you explain to someone the... | Process of taking out a mortgage" ; attrib x56b length = 3. format = PVERYFM. label = "X56B: How well could you explain to someone the... | Difference between a fixed- and an adjustable-rate mortgage" ; attrib x56c length = 3. format = PVERYFM. label = "X56C: How well could you explain to someone the... | Difference between a prime and subprime loan" ; attrib x56d length = 3. format = PVERYFM. label = "X56D: How well could you explain to someone the... | Difference between a mortgage's interest rate and its APR" ; attrib x56e length = 3. format = PVERYFM. label = "X56E: How well could you explain to someone the... | Amortization of a loan" ; attrib x56f length = 3. format = PVERYFM. label = "X56F: How well could you explain to someone the... | Consequences of not making required mortgage payments" ; attrib x56g length = 3. format = PVERYFM. label = "X56G: How well could you explain to someone the... | Difference between lender's and owner's title insurance (Waves 7-30)" ; attrib x56h length = 3. format = PVERYFM. label = "X56H: How well could you explain to someone the... | Relationship between discount points and interest rate (Waves 11-30)" ; attrib x56i length = 3. format = PVERYFM. label = "X56I: How well could you explain to someone the... | Reason payments into an escrow account can change (Waves 11-30)" ; attrib z57 length = 3. format = PBLANKFM. label = "Z57: When did you first become the owner of this property? (Indicator)" ; attrib z58 length = 3. format = PBLANKFM. label = "Z58: What was the purchase price of this property, or if you built it, the construction and land cost? (Indicator)" ; attrib x59 length = 3. format = PACQFM. label = "X59: Which one of the following best describes how you acquired this property?" ; attrib x60 length = 3. format = PPROPFM. label = "X60: Which one of the following best describes this property?" ; attrib x61 length = 3. format = PYNFM. label = "X61: Does this mortgage cover more than one unit? (Waves 7-30)" ; attrib z62 length = 3. format = PBLANKFM. label = "Z62: About how much do you think this property is worth in terms of what you could sell it for now? (Indicator)" ; attrib x63 length = 3. format = PYNFM. label = "X63: Do you rent out all or any portion of this property?" ; attrib z64 length = 3. format = PBLANKFM. label = "Z64: How much rent do you receive annually? (Indicator)" ; attrib x65 length = 3. format = PYNFM. label = "X65: Besides you, the mortgage co-signers, and renters, does anyone else help pay the expenses for this property?" ; attrib x66 length = 3. format = POCCFM. label = "X66: Which of the following best describes how you use this property?" ; attrib z67 length = 3. format = PBLANKFM. label = "Z67: If primary residence, when did you move into this property? (Indicator)" ; attrib x68a length = 3. format = PCHANGEFM. label = "X68A: In the last couple years, how have the following changed in the neighborhood where this property is located? | Number of homes for sale" ; attrib x68b length = 3. format = PCHANGEFM. label = "X68B: In the last couple years, how have the following changed in the neighborhood where this property is located? | Number of vacant homes" ; attrib x68c length = 3. format = PCHANGEFM. label = "X68C: In the last couple years, how have the following changed in the neighborhood where this property is located? | Number of homes for rent" ; attrib x68d length = 3. format = PCHANGEFM. label = "X68D: In the last couple years, how have the following changed in the neighborhood where this property is located? | Number of foreclosures or short sales" ; attrib x68e length = 3. format = PCHANGEFM. label = "X68E: In the last couple years, how have the following changed in the neighborhood where this property is located? | House prices" ; attrib x68f length = 3. format = PCHANGEFM. label = "X68F: In the last couple years, how have the following changed in the neighborhood where this property is located? | Overall desirability of living there" ; attrib x69 length = 3. format = PPRICEFM. label = "X69: What do you think will happen to the prices of homes in this neighborhood over the next couple of years?" ; attrib x70 length = 3. format = PDESIREFM. label = "X70: In the next couple of years, how do you expect the overall desirability of living in this neighborhood to change?" ; attrib x71a length = 3. format = PVERYFM. label = "X71A: How likely is it that in the next couple of years you will... | Sell this property" ; attrib x71b length = 3. format = PVERYFM. label = "X71B: How likely is it that in the next couple of years you will... | Move but keep this property" ; attrib x71c length = 3. format = PVERYFM. label = "X71C: How likely is it that in the next couple of years you will... | Refinance the mortgage on this property" ; attrib x71d length = 3. format = PVERYFM. label = "X71D: How likely is it that in the next couple of years you will... | Pay off this mortgage and own the property mortgage-free" ; attrib x72 length = 3. format = PMARRYFM. label = "X72: What is your current marital status?" ; attrib x73 length = 3. format = PYNFM. label = "X73: Do you have a partner who shares the decision-making and responsibilities of running your household but is not your legal spouse?" ; attrib x74r length = 3. format = PAGEFM. label = "X74R: Age at last birthday | Respondent" ; attrib x75r length = 3. format = PSEXFM. label = "X75R: Sex | Respondent" ; attrib x76r length = 3. format = PEDUCFM. label = "X76R: Highest level of education achieved | Respondent" ; attrib x76s length = 3. format = PEDUCFM. label = "X76S: Highest level of education achieved | Spouse/Partner" ; attrib x77r length = 3. format = PYNFM. label = "X77R: Hispanic or Latino | Respondent" ; attrib x78r length = 3. format = PRACEFM. label = "X78R: Race | Respondent" ; attrib x79ra length = 3. format = PEMPLOYFM. label = "X79RA: Current work status 1 | Respondent (work status selected by respondent involving the most employment)" ; attrib x79rb length = 3. format = PEMPLOYFM. label = "X79RB: Current work status 2 | Respondent (if a second work status was selected)" ; attrib x79sa length = 3. format = PEMPLOYFM. label = "X79SA: Current work status 1 | Spouse/Partner (work status selected by respondent involving the most employment)" ; attrib x79sb length = 3. format = PEMPLOYFM. label = "X79SB: Current work status 2 | Spouse/Partner (if a second work status was selected)" ; attrib x80r length = 3. format = PVETFM. label = "X80R: Ever served on active duty in the U.S. Armed Forces, Reserves or National Guard? | Respondent (Waves 15-30)" ; attrib x80r_1 length = 3. format = PVETXFM. label = "X80R_1: Ever served on active duty in the U.S. Armed Forces: (Active duty includes serving in the U.S. Armed Forces as well as activation from the Reserves or National Guard). | Respondent (Waves 1-14)" ; attrib x80s length = 3. format = PVETFM. label = "X80S: Ever served on active duty in the U.S. Armed Forces, Reserves or National Guard? | Spouse/Partner (Waves 15-30)" ; attrib x80s_1 length = 3. format = PVETXFM. label = "X80S_1: Ever served on active duty in the U.S. Armed Forces: (Active duty includes serving in the U.S. Armed Forces as well as activation from the Reserves or National Guard). | Spouse/Partner (Waves 1-14)" ; attrib x81a length = 3. format = PYNFM. label = "X81A: Besides you (and your spouse/partner) who else lives in your household? Mark all that apply. | Children/grandchildren under age 18" ; attrib x81b length = 3. format = PYNFM. label = "X81B: Besides you (and your spouse/partner) who else lives in your household? Mark all that apply. | Children/grandchildren age 18-22" ; attrib x81c length = 3. format = PYNFM. label = "X81C: Besides you (and your spouse/partner) who else lives in your household? Mark all that apply. | Children/grandchildren age 23 or older" ; attrib x81d length = 3. format = PYNFM. label = "X81D: Besides you (and your spouse/partner) who else lives in your household? Mark all that apply. | Parents of you or your spouse or partner" ; attrib x81e length = 3. format = PYNFM. label = "X81E: Besides you (and your spouse/partner) who else lives in your household? Mark all that apply. | Other relatives like siblings or cousins" ; attrib x81f length = 3. format = PYNFM. label = "X81F: Besides you (and your spouse/partner) who else lives in your household? Mark all that apply. | Non-relative" ; attrib x81z length = 3. format = PYNFM. label = "X81Z: Besides you (and your spouse/partner) who else lives in your household? Mark all that apply. | No one else" ; attrib x82 length = 3. format = PYNFM. label = "X82: Do you speak a language other than English at home?" ; attrib x8201 length = 3. format = PYNFM. label = "X8201: Was it important to get your mortgage documents in this language?"; attrib x8202 length = 3. format = PYNFM. label = "X8202: Did you get mortgage documents in this language?"; attrib x83 length = 3. format = PINCFM. label = "X83: Approximately how much is your total annual household income from all sources (wages, salaries, tips, interest, child support, investment income, retirement, social security, and alimony)?" ; attrib x84 length = 3. format = PNORMFM. label = "X84: How does this total annual household income compare to what it is in a 'normal' year?" ; attrib x85a length = 3. format = PYNFM. label = "X85A: Does your total annual household income include any of the following sources? | Wages or salary" ; attrib x85b length = 3. format = PYNFM. label = "X85B: Does your total annual household income include any of the following sources? | Business or self-employment" ; attrib x85c length = 3. format = PYNFM. label = "X85C: Does your total annual household income include any of the following sources? | Interest or dividends" ; attrib x85d length = 3. format = PYNFM. label = "X85D: Does your total annual household income include any of the following sources? | Alimony or child support" ; attrib x85e length = 3. format = PYNFM. label = "X85E: Does your total annual household income include any of the following sources? | Social Security, pension or other retirement benefits" ; attrib x86a length = 3. format = PYNFM. label = "X86A: Does anyone in your household have any of the following? | 401(k), 403(b), IRA, or pension plan" ; attrib x86b length = 3. format = PYNFM. label = "X86B: Does anyone in your household have any of the following? | Stocks, bonds, or mutual funds (not in retirement accounts or pension plans)" ; attrib x86c length = 3. format = PYNFM. label = "X86C: Does anyone in your household have any of the following? | Certificates of deposit" ; attrib x86d length = 3. format = PYNFM. label = "X86D: Does anyone in your household have any of the following? | Investment real estate" ; attrib x87 length = 3. format = PRISKFM. label = "X87: Which one of the following statements best describes the amount of financial risk you are willing to take when you save or make investments?" ; attrib x88a length = 3. format = PAGREEFM. label = "X88A: Do you agree or disagree with the following statements? | Owning a home is a good financial investment" ; attrib x88b length = 3. format = PAGREEFM. label = "X88B: Do you agree or disagree with the following statements? | Most mortgage lenders generally treat borrowers well" ; attrib x88c length = 3. format = PAGREEFM. label = "X88C: Do you agree or disagree with the following statements? | Most mortgage lenders would offer me roughly the same rates and fees (Waves 7-30)" ; attrib x88d length = 3. format = PAGREEFM. label = "X88D: Do you agree or disagree with the following statements? | Late payments will lower my credit rating" ; attrib x88e length = 3. format = PAGREEFM. label = "X88E: Do you agree or disagree with the following statements? | Lenders shouldn't care about any late payments, only whether loans are fully repaid" ; attrib x88f length = 3. format = PAGREEFM. label = "X88F: Do you agree or disagree with the following statements? | It is okay to default or stop making mortgage payments if it is in the borrower's financial interest" ; attrib x88g length = 3. format = PAGREEFM. label = "X88G: Do you agree or disagree with the following statements? | I would consider counseling or taking a course about managing my finances if I faced financial difficulties (Waves 11-30)" ; attrib x89a length = 3. format = PYNFM. label = "X89A: In the last couple of years, have any of the following happened to you? | Separated, divorced, or partner left" ; attrib x89b length = 3. format = PYNFM. label = "X89B: In the last couple of years, have any of the following happened to you? | Married, remarried or new partner" ; attrib x89c length = 3. format = PYNFM. label = "X89C: In the last couple of years, have any of the following happened to you? | Death of a household member" ; attrib x89d length = 3. format = PYNFM. label = "X89D: In the last couple of years, have any of the following happened to you? | Addition to your household (not including spouse/partner)" ; attrib x89e length = 3. format = PYNFM. label = "X89E: In the last couple of years, have any of the following happened to you? | Person leaving your household (not including spouse/partner)" ; attrib x89f length = 3. format = PYNFM. label = "X89F: In the last couple of years, have any of the following happened to you? | Disability or serious illness of household member" ; attrib x89g length = 3. format = PYNFM. label = "X89G: In the last couple of years, have any of the following happened to you? | Disaster affecting a property you own" ; attrib x89h length = 3. format = PYNFM. label = "X89H: In the last couple of years, have any of the following happened to you? | Disaster affecting your (or your spouse/partner's) work" ; attrib x89i length = 3. format = PYNFM. label = "X89I: In the last couple of years, have any of the following happened to you? | Moved within the area (less than 50 miles)" ; attrib x89j length = 3. format = PYNFM. label = "X89J: In the last couple of years, have any of the following happened to you? | Moved to a new area (50 miles or more)" ; attrib x90a length = 3. format = PYNFM. label = "X90A: In the last couple of years, have any of the following happened to you (or your spouse/partner)? | Layoff, unemployment, or reduced hours of work" ; attrib x90b length = 3. format = PYNFM. label = "X90B: In the last couple of years, have any of the following happened to you (or your spouse/partner)? | Retirement (Waves 4-30)" ; attrib x90c length = 3. format = PYNFM. label = "X90C: In the last couple of years, have any of the following happened to you (or your spouse/partner)? | Promotion" ; attrib x90d length = 3. format = PYNFM. label = "X90D: In the last couple of years, have any of the following happened to you (or your spouse/partner)? | Starting a new job" ; attrib x90e length = 3. format = PYNFM. label = "X90E: In the last couple of years, have any of the following happened to you (or your spouse/partner)? | Starting a second job" ; attrib x90f length = 3. format = PYNFM. label = "X90F: In the last couple of years, have any of the following happened to you (or your spouse/partner)? | Business failure" ; attrib x90g length = 3. format = PYNFM. label = "X90G: In the last couple of years, have any of the following happened to you (or your spouse/partner)? | A personal financial crisis" ; attrib x91a length = 3. format = PCHANGEFM. label = "X91A: In the last couple years, how have the following changed for you (and your spouse/partner)? | Household income" ; attrib x91b length = 3. format = PCHANGEFM. label = "X91B: In the last couple years, how have the following changed for you (and your spouse/partner)? | Housing expenses" ; attrib x91c length = 3. format = PCHANGEFM. label = "X91C: In the last couple years, how have the following changed for you (and your spouse/partner)? | Non-housing expenses" ; attrib x92a length = 3. format = PCHANGEFM. label = "X92A: In the next couple of years, how do you expect the following to change for you (and your spouse/partner)? | Household income" ; attrib x92b length = 3. format = PCHANGEFM. label = "X92B: In the next couple of years, how do you expect the following to change for you (and your spouse/partner)? | Housing expenses" ; attrib x92c length = 3. format = PCHANGEFM. label = "X92C: In the next couple of years, how do you expect the following to change for you (and your spouse/partner)? | Non-housing expenses" ; attrib x93a length = 3. format = PVERYFM. label = "X93A: How likely is it that in the next couple of years you (or your spouse/partner) will face... | Retirement" ; attrib x93b length = 3. format = PVERYFM. label = "X93B: How likely is it that in the next couple of years you (or your spouse/partner) will face... | Difficulties making your mortgage payments" ; attrib x93c length = 3. format = PVERYFM. label = "X93C: How likely is it that in the next couple of years you (or your spouse/partner) will face... | A layoff, unemployment, or forced reduction in hours" ; attrib x93d length = 3. format = PVERYFM. label = "X93D: How likely is it that in the next couple of years you (or your spouse/partner) will face... | Some other personal financial crisis" ; attrib x94a length = 3. format = PVERYFM. label = "X94A: If your household faced an unexpected personal financial crisis in the next couple of years, how likely is it you could... | Pay your bills for the next 3 months without borrowing" ; attrib x94b length = 3. format = PVERYFM. label = "X94B: If your household faced an unexpected personal financial crisis in the next couple of years, how likely is it you could... | Get significant financial help from family or friends" ; attrib x94c length = 3. format = PVERYFM. label = "X94C: If your household faced an unexpected personal financial crisis in the next couple of years, how likely is it you could... | Borrow a significant amount from a bank or credit union" ; attrib x94d length = 3. format = PVERYFM. label = "X94D: If your household faced an unexpected personal financial crisis in the next couple of years, how likely is it you could... | Significantly increase your income" ; attrib open_year length = 3. format = PYRFM. label = "Mortgage Origination Year"; attrib open_month length = 3. format = PMOFM. label = "Mortgage Origination Month"; attrib loan_amount_cat length = 3. format = PLAMTFM. label = "Mortgage Loan Amount at Origination (Categorical)"; attrib jumbo length = 3. format = PYNFM. label = "Flag Indicating Jumbo Mortgage Loan at Origination"; attrib rate_spread length = 8. format = PSPRFM. label = "Mortgage Interest Rate Spread at Origination (Percent)"; attrib pmms length = 8. format = PPMMSFM. label = "Freddie Mac's Primary Mortgage Market Survey (PMMS) Rate at Origination (Percent)"; attrib term length = 3. format = PTERMFM. label = "Mortgage Term (in Years) at Origination"; attrib ltv length = 8. format = PLTVFM. label = "Mortgage Loan-to-Value Ratio at Origination (Percent)"; attrib cltv length = 8. format = PLTVFM. label = "Mortgage Combined Loan-to-Value Ratio at Origination (Percent)"; attrib dti length = 8. format = PDTIFM. label = "Mortgage Debt-to-Income (Back End) Ratio at Origination (Percent)"; attrib pti length = 8. format = PPTIFM. label = "Mortgage Payment-to-Income (Front End) Ratio at Origination (Percent)"; attrib loan_type length = 3. format = PLTYPEFM. label = "Mortgage Type"; attrib gse length = 3. format = PPTYPEFM. label = "Government Sponsored Enterprise"; attrib cu length = 3. format = PYNFM. label = "Credit Union"; attrib metro_lmi length = 3. format = PMETLMIFM. label = "Flag Indicating Metropolitan CRA Low to Moderate Income Tract"; attrib borrower_num length = 3. format = PBORRFM. label = "Number of Borrowers at Origination"; attrib borrower_r length = 3. format = PYNFM. label = "Flag Indicating Respondent is a Borrower"; attrib borrower_s length = 3. format = PYNFM. label = "Flag Indicating Spouse/Partner is a Borrower"; attrib age_o1 length = 3. format = PAGEFM. label = "Age | Other Borrower 1"; attrib age_o2 length = 3. format = PAGEFM. label = "Age | Other Borrower 2"; attrib age_o3 length = 3. format = PAGEFM. label = "Age | Other Borrower 3"; attrib sex_o1 length = 3. format = PSEXFM. label = "Sex | Other Borrower 1"; attrib sex_o2 length = 3. format = PSEXFM. label = "Sex | Other Borrower 2"; attrib sex_o3 length = 3. format = PSEXFM. label = "Sex | Other Borrower 3"; attrib first_mort_r length = 3. format = PYNFM. label = "Flag Indicating First Mortgage in Credit File | Respondent"; attrib first_mort_s length = 3. format = PYNFM. label = "Flag Indicating First Mortgage in Credit File | Spouse/Partner"; attrib first_mort_o1 length = 3. format = PYNFM. label = "Flag Indicating First Mortgage in Credit File | Other Borrower 1"; attrib first_mort_o2 length = 3. format = PYNFM. label = "Flag Indicating First Mortgage in Credit File | Other Borrower 2"; attrib first_mort_o3 length = 3. format = PYNFM. label = "Flag Indicating First Mortgage in Credit File | Other Borrower 3"; attrib score_orig_r length = 3. format = PSCOREFM. label = "VantageScore 3.0 at Origination | Respondent"; attrib score_orig_s length = 3. format = PSCOREFM. label = "VantageScore 3.0 at Origination | Spouse/Partner"; attrib score_orig_o1 length = 3. format = PSCOREFM. label = "VantageScore 3.0 at Origination | Other Borrower 1"; attrib score_orig_o2 length = 3. format = PSCOREFM. label = "VantageScore 3.0 at Origination | Other Borrower 2"; attrib score_orig_o3 length = 3. format = PSCOREFM. label = "VantageScore 3.0 at Origination | Other Borrower 3"; attrib score_0313_r length = 3. format = PSCOREFM. label = "VantageScore 3.0 in March 2013 | Respondent"; attrib score_0613_r length = 3. format = PSCOREFM. label = "VantageScore 3.0 in June 2013 | Respondent"; attrib score_0913_r length = 3. format = PSCOREFM. label = "VantageScore 3.0 in September 2013 | Respondent"; attrib score_1213_r length = 3. format = PSCOREFM. label = "VantageScore 3.0 in December 2013 | Respondent"; attrib score_0314_r length = 3. format = PSCOREFM. label = "VantageScore 3.0 in March 2014 | Respondent"; attrib score_0614_r length = 3. format = PSCOREFM. label = "VantageScore 3.0 in June 2014 | Respondent"; attrib score_0914_r length = 3. format = PSCOREFM. label = "VantageScore 3.0 in September 2014 | Respondent"; attrib score_1214_r length = 3. format = PSCOREFM. label = "VantageScore 3.0 in December 2014 | Respondent"; attrib score_0315_r length = 3. format = PSCOREFM. label = "VantageScore 3.0 in March 2015 | Respondent"; attrib score_0615_r length = 3. format = PSCOREFM. label = "VantageScore 3.0 in June 2015 | Respondent"; attrib score_0915_r length = 3. format = PSCOREFM. label = "VantageScore 3.0 in September 2015 | Respondent"; attrib score_1215_r length = 3. format = PSCOREFM. label = "VantageScore 3.0 in December 2015 | Respondent"; attrib score_0316_r length = 3. format = PSCOREFM. label = "VantageScore 3.0 in March 2016 | Respondent"; attrib score_0616_r length = 3. format = PSCOREFM. label = "VantageScore 3.0 in June 2016 | Respondent"; attrib score_0916_r length = 3. format = PSCOREFM. label = "VantageScore 3.0 in September 2016 | Respondent"; attrib score_1216_r length = 3. format = PSCOREFM. label = "VantageScore 3.0 in December 2016 | Respondent"; attrib score_0317_r length = 3. format = PSCOREFM. label = "VantageScore 3.0 in March 2017 | Respondent"; attrib score_0617_r length = 3. format = PSCOREFM. label = "VantageScore 3.0 in June 2017 | Respondent"; attrib score_0917_r length = 3. format = PSCOREFM. label = "VantageScore 3.0 in September 2017 | Respondent"; attrib score_1217_r length = 3. format = PSCOREFM. label = "VantageScore 3.0 in December 2017 | Respondent"; attrib score_0318_r length = 3. format = PSCOREFM. label = "VantageScore 3.0 in March 2018 | Respondent"; attrib score_0618_r length = 3. format = PSCOREFM. label = "VantageScore 3.0 in June 2018 | Respondent"; attrib score_0918_r length = 3. format = PSCOREFM. label = "VantageScore 3.0 in September 2018 | Respondent"; attrib score_1218_r length = 3. format = PSCOREFM. label = "VantageScore 3.0 in December 2018 | Respondent"; attrib score_0319_r length = 3. format = PSCOREFM. label = "VantageScore 3.0 in March 2019 | Respondent"; attrib score_0619_r length = 3. format = PSCOREFM. label = "VantageScore 3.0 in June 2019 | Respondent"; attrib score_0919_r length = 3. format = PSCOREFM. label = "VantageScore 3.0 in September 2019 | Respondent"; attrib score_1219_r length = 3. format = PSCOREFM. label = "VantageScore 3.0 in December 2019 | Respondent"; attrib score_0320_r length = 3. format = PSCOREFM. label = "VantageScore 3.0 in March 2020 | Respondent"; attrib score_0620_r length = 3. format = PSCOREFM. label = "VantageScore 3.0 in June 2020 | Respondent"; attrib score_0920_r length = 3. format = PSCOREFM. label = "VantageScore 3.0 in September 2020 | Respondent"; attrib score_1220_r length = 3. format = PSCOREFM. label = "VantageScore 3.0 in December 2020 | Respondent"; attrib score_0321_r length = 3. format = PSCOREFM. label = "VantageScore 3.0 in March 2021 | Respondent"; attrib score_0621_r length = 3. format = PSCOREFM. label = "VantageScore 3.0 in June 2021 | Respondent"; attrib score_0921_r length = 3. format = PSCOREFM. label = "VantageScore 3.0 in September 2021 | Respondent"; attrib score_1221_r length = 3. format = PSCOREFM. label = "VantageScore 3.0 in December 2021 | Respondent"; attrib score_0322_r length = 3. format = PSCOREFM. label = "VantageScore 3.0 in March 2022 | Respondent"; attrib score_0622_r length = 3. format = PSCOREFM. label = "VantageScore 3.0 in June 2022 | Respondent"; attrib score_0922_r length = 3. format = PSCOREFM. label = "VantageScore 3.0 in September 2022 | Respondent"; attrib score_1222_r length = 3. format = PSCOREFM. label = "VantageScore 3.0 in December 2022 | Respondent"; attrib score_0313_s length = 3. format = PSCOREFM. label = "VantageScore 3.0 in March 2013 | Spouse/Partner"; attrib score_0613_s length = 3. format = PSCOREFM. label = "VantageScore 3.0 in June 2013 | Spouse/Partner"; attrib score_0913_s length = 3. format = PSCOREFM. label = "VantageScore 3.0 in September 2013 | Spouse/Partner"; attrib score_1213_s length = 3. format = PSCOREFM. label = "VantageScore 3.0 in December 2013 | Spouse/Partner"; attrib score_0314_s length = 3. format = PSCOREFM. label = "VantageScore 3.0 in March 2014 | Spouse/Partner"; attrib score_0614_s length = 3. format = PSCOREFM. label = "VantageScore 3.0 in June 2014 | Spouse/Partner"; attrib score_0914_s length = 3. format = PSCOREFM. label = "VantageScore 3.0 in September 2014 | Spouse/Partner"; attrib score_1214_s length = 3. format = PSCOREFM. label = "VantageScore 3.0 in December 2014 | Spouse/Partner"; attrib score_0315_s length = 3. format = PSCOREFM. label = "VantageScore 3.0 in March 2015 | Spouse/Partner"; attrib score_0615_s length = 3. format = PSCOREFM. label = "VantageScore 3.0 in June 2015 | Spouse/Partner"; attrib score_0915_s length = 3. format = PSCOREFM. label = "VantageScore 3.0 in September 2015 | Spouse/Partner"; attrib score_1215_s length = 3. format = PSCOREFM. label = "VantageScore 3.0 in December 2015 | Spouse/Partner"; attrib score_0316_s length = 3. format = PSCOREFM. label = "VantageScore 3.0 in March 2016 | Spouse/Partner"; attrib score_0616_s length = 3. format = PSCOREFM. label = "VantageScore 3.0 in June 2016 | Spouse/Partner"; attrib score_0916_s length = 3. format = PSCOREFM. label = "VantageScore 3.0 in September 2016 | Spouse/Partner"; attrib score_1216_s length = 3. format = PSCOREFM. label = "VantageScore 3.0 in December 2016 | Spouse/Partner"; attrib score_0317_s length = 3. format = PSCOREFM. label = "VantageScore 3.0 in March 2017 | Spouse/Partner"; attrib score_0617_s length = 3. format = PSCOREFM. label = "VantageScore 3.0 in June 2017 | Spouse/Partner"; attrib score_0917_s length = 3. format = PSCOREFM. label = "VantageScore 3.0 in September 2017 | Spouse/Partner"; attrib score_1217_s length = 3. format = PSCOREFM. label = "VantageScore 3.0 in December 2017 | Spouse/Partner"; attrib score_0318_s length = 3. format = PSCOREFM. label = "VantageScore 3.0 in March 2018 | Spouse/Partner"; attrib score_0618_s length = 3. format = PSCOREFM. label = "VantageScore 3.0 in June 2018 | Spouse/Partner"; attrib score_0918_s length = 3. format = PSCOREFM. label = "VantageScore 3.0 in September 2018 | Spouse/Partner"; attrib score_1218_s length = 3. format = PSCOREFM. label = "VantageScore 3.0 in December 2018 | Spouse/Partner"; attrib score_0319_s length = 3. format = PSCOREFM. label = "VantageScore 3.0 in March 2019 | Spouse/Partner"; attrib score_0619_s length = 3. format = PSCOREFM. label = "VantageScore 3.0 in June 2019 | Spouse/Partner"; attrib score_0919_s length = 3. format = PSCOREFM. label = "VantageScore 3.0 in September 2019 | Spouse/Partner"; attrib score_1219_s length = 3. format = PSCOREFM. label = "VantageScore 3.0 in December 2019 | Spouse/Partner"; attrib score_0320_s length = 3. format = PSCOREFM. label = "VantageScore 3.0 in March 2020 | Spouse/Partner"; attrib score_0620_s length = 3. format = PSCOREFM. label = "VantageScore 3.0 in June 2020 | Spouse/Partner"; attrib score_0920_s length = 3. format = PSCOREFM. label = "VantageScore 3.0 in September 2020 | Spouse/Partner"; attrib score_1220_s length = 3. format = PSCOREFM. label = "VantageScore 3.0 in December 2020 | Spouse/Partner"; attrib score_0321_s length = 3. format = PSCOREFM. label = "VantageScore 3.0 in March 2021 | Spouse/Partner"; attrib score_0621_s length = 3. format = PSCOREFM. label = "VantageScore 3.0 in June 2021 | Spouse/Partner"; attrib score_0921_s length = 3. format = PSCOREFM. label = "VantageScore 3.0 in September 2021 | Spouse/Partner"; attrib score_1221_s length = 3. format = PSCOREFM. label = "VantageScore 3.0 in December 2021 | Spouse/Partner"; attrib score_0322_s length = 3. format = PSCOREFM. label = "VantageScore 3.0 in March 2022 | Spouse/Partner"; attrib score_0622_s length = 3. format = PSCOREFM. label = "VantageScore 3.0 in June 2022 | Spouse/Partner"; attrib score_0922_s length = 3. format = PSCOREFM. label = "VantageScore 3.0 in September 2022 | Spouse/Partner"; attrib score_1222_s length = 3. format = PSCOREFM. label = "VantageScore 3.0 in December 2022 | Spouse/Partner"; attrib perf_status_0313 length = $1. format = $PSTATFM. label = "Mortgage Performance Status in March 2013"; attrib perf_status_0613 length = $1. format = $PSTATFM. label = "Mortgage Performance Status in June 2013"; attrib perf_status_0913 length = $1. format = $PSTATFM. label = "Mortgage Performance Status in September 2013"; attrib perf_status_1213 length = $1. format = $PSTATFM. label = "Mortgage Performance Status in December 2013"; attrib perf_status_0314 length = $1. format = $PSTATFM. label = "Mortgage Performance Status in March 2014"; attrib perf_status_0614 length = $1. format = $PSTATFM. label = "Mortgage Performance Status in June 2014"; attrib perf_status_0914 length = $1. format = $PSTATFM. label = "Mortgage Performance Status in September 2014"; attrib perf_status_1214 length = $1. format = $PSTATFM. label = "Mortgage Performance Status in December 2014"; attrib perf_status_0315 length = $1. format = $PSTATFM. label = "Mortgage Performance Status in March 2015"; attrib perf_status_0615 length = $1. format = $PSTATFM. label = "Mortgage Performance Status in June 2015"; attrib perf_status_0915 length = $1. format = $PSTATFM. label = "Mortgage Performance Status in September 2015"; attrib perf_status_1215 length = $1. format = $PSTATFM. label = "Mortgage Performance Status in December 2015"; attrib perf_status_0316 length = $1. format = $PSTATFM. label = "Mortgage Performance Status in March 2016"; attrib perf_status_0616 length = $1. format = $PSTATFM. label = "Mortgage Performance Status in June 2016"; attrib perf_status_0916 length = $1. format = $PSTATFM. label = "Mortgage Performance Status in September 2016"; attrib perf_status_1216 length = $1. format = $PSTATFM. label = "Mortgage Performance Status in December 2016"; attrib perf_status_0317 length = $1. format = $PSTATFM. label = "Mortgage Performance Status in March 2017"; attrib perf_status_0617 length = $1. format = $PSTATFM. label = "Mortgage Performance Status in June 2017"; attrib perf_status_0917 length = $1. format = $PSTATFM. label = "Mortgage Performance Status in September 2017"; attrib perf_status_1217 length = $1. format = $PSTATFM. label = "Mortgage Performance Status in December 2017"; attrib perf_status_0318 length = $1. format = $PSTATFM. label = "Mortgage Performance Status in March 2018"; attrib perf_status_0618 length = $1. format = $PSTATFM. label = "Mortgage Performance Status in June 2018"; attrib perf_status_0918 length = $1. format = $PSTATFM. label = "Mortgage Performance Status in September 2018"; attrib perf_status_1218 length = $1. format = $PSTATFM. label = "Mortgage Performance Status in December 2018"; attrib perf_status_0319 length = $1. format = $PSTATFM. label = "Mortgage Performance Status in March 2019"; attrib perf_status_0619 length = $1. format = $PSTATFM. label = "Mortgage Performance Status in June 2019"; attrib perf_status_0919 length = $1. format = $PSTATFM. label = "Mortgage Performance Status in September 2019"; attrib perf_status_1219 length = $1. format = $PSTATFM. label = "Mortgage Performance Status in December 2019"; attrib perf_status_0320 length = $1. format = $PSTATFM. label = "Mortgage Performance Status in March 2020"; attrib perf_status_0620 length = $1. format = $PSTATFM. label = "Mortgage Performance Status in June 2020"; attrib perf_status_0920 length = $1. format = $PSTATFM. label = "Mortgage Performance Status in September 2020"; attrib perf_status_1220 length = $1. format = $PSTATFM. label = "Mortgage Performance Status in December 2020"; attrib perf_status_0321 length = $1. format = $PSTATFM. label = "Mortgage Performance Status in March 2021"; attrib perf_status_0621 length = $1. format = $PSTATFM. label = "Mortgage Performance Status in June 2021"; attrib perf_status_0921 length = $1. format = $PSTATFM. label = "Mortgage Performance Status in September 2021"; attrib perf_status_1221 length = $1. format = $PSTATFM. label = "Mortgage Performance Status in December 2021"; attrib perf_status_0322 length = $1. format = $PSTATFM. label = "Mortgage Performance Status in March 2022"; attrib perf_status_0622 length = $1. format = $PSTATFM. label = "Mortgage Performance Status in June 2022"; attrib perf_status_0922 length = $1. format = $PSTATFM. label = "Mortgage Performance Status in September 2022"; attrib perf_status_1222 length = $1. format = $PSTATFM. label = "Mortgage Performance Status in December 2022"; attrib close_year length = 3. format = PYRFM. label = "Mortgage Termination Year"; attrib close_month length = 3. format = PMOFM. label = "Mortgage Termination Month"; attrib close_status_1222 length = 3. format = PCSTATFM. label = "Mortgage Termination Status in December 2022"; attrib cashout length = 3. format = PCASHOUT. label = "Flag Indicating Cashout Refinance"; attrib forb0320 length = 3. format = PFORB. label = "Flag Indicating Forbearance Status, March 2020"; attrib forb0620 length = 3. format = PFORB. label = "Flag Indicating Forbearance Status, June 2020"; attrib forb0920 length = 3. format = PFORB. label = "Flag Indicating Forbearance Status, September 2020"; attrib forb1220 length = 3. format = PFORB. label = "Flag Indicating Forbearance Status, December 2020"; attrib forb0321 length = 3. format = PFORB. label = "Flag Indicating Forbearance Status, March 2021"; attrib forb0621 length = 3. format = PFORB. label = "Flag Indicating Forbearance Status, June 2021"; attrib forb0921 length = 3. format = PFORB. label = "Flag Indicating Forbearance Status, September 2021"; attrib forb1221 length = 3. format = PFORB. label = "Flag Indicating Forbearance Status, December 2021"; attrib forb0322 length = 3. format = PFORB. label = "Flag Indicating Forbearance Status, March 2022"; attrib forb0622 length = 3. format = PFORB. label = "Flag Indicating Forbearance Status, June 2022"; attrib forb0922 length = 3. format = PFORB. label = "Flag Indicating Forbearance Status, September 2022"; attrib forb1222 length = 3. format = PFORB. label = "Flag Indicating Forbearance Status, December 2022"; attrib mtmltv0313 length = 8. format = PLTVFM. label = "Mark-to-Market Loan-to-Value Ratio of the Mortgage, March 2013"; attrib mtmltv0613 length = 8. format = PLTVFM. label = "Mark-to-Market Loan-to-Value Ratio of the Mortgage, June 2013"; attrib mtmltv0913 length = 8. format = PLTVFM. label = "Mark-to-Market Loan-to-Value Ratio of the Mortgage, September 2013"; attrib mtmltv1213 length = 8. format = PLTVFM. label = "Mark-to-Market Loan-to-Value Ratio of the Mortgage, December 2013"; attrib mtmltv0314 length = 8. format = PLTVFM. label = "Mark-to-Market Loan-to-Value Ratio of the Mortgage, March 2014"; attrib mtmltv0614 length = 8. format = PLTVFM. label = "Mark-to-Market Loan-to-Value Ratio of the Mortgage, June 2014"; attrib mtmltv0914 length = 8. format = PLTVFM. label = "Mark-to-Market Loan-to-Value Ratio of the Mortgage, September 2014"; attrib mtmltv1214 length = 8. format = PLTVFM. label = "Mark-to-Market Loan-to-Value Ratio of the Mortgage, December 2014"; attrib mtmltv0315 length = 8. format = PLTVFM. label = "Mark-to-Market Loan-to-Value Ratio of the Mortgage, March 2015"; attrib mtmltv0615 length = 8. format = PLTVFM. label = "Mark-to-Market Loan-to-Value Ratio of the Mortgage, June 2015"; attrib mtmltv0915 length = 8. format = PLTVFM. label = "Mark-to-Market Loan-to-Value Ratio of the Mortgage, September 2015"; attrib mtmltv1215 length = 8. format = PLTVFM. label = "Mark-to-Market Loan-to-Value Ratio of the Mortgage, December 2015"; attrib mtmltv0316 length = 8. format = PLTVFM. label = "Mark-to-Market Loan-to-Value Ratio of the Mortgage, March 2016"; attrib mtmltv0616 length = 8. format = PLTVFM. label = "Mark-to-Market Loan-to-Value Ratio of the Mortgage, June 2016"; attrib mtmltv0916 length = 8. format = PLTVFM. label = "Mark-to-Market Loan-to-Value Ratio of the Mortgage, September 2016"; attrib mtmltv1216 length = 8. format = PLTVFM. label = "Mark-to-Market Loan-to-Value Ratio of the Mortgage, December 2016"; attrib mtmltv0317 length = 8. format = PLTVFM. label = "Mark-to-Market Loan-to-Value Ratio of the Mortgage, March 2017"; attrib mtmltv0617 length = 8. format = PLTVFM. label = "Mark-to-Market Loan-to-Value Ratio of the Mortgage, June 2017"; attrib mtmltv0917 length = 8. format = PLTVFM. label = "Mark-to-Market Loan-to-Value Ratio of the Mortgage, September 2017"; attrib mtmltv1217 length = 8. format = PLTVFM. label = "Mark-to-Market Loan-to-Value Ratio of the Mortgage, December 2017"; attrib mtmltv0318 length = 8. format = PLTVFM. label = "Mark-to-Market Loan-to-Value Ratio of the Mortgage, March 2018"; attrib mtmltv0618 length = 8. format = PLTVFM. label = "Mark-to-Market Loan-to-Value Ratio of the Mortgage, June 2018"; attrib mtmltv0918 length = 8. format = PLTVFM. label = "Mark-to-Market Loan-to-Value Ratio of the Mortgage, September 2018"; attrib mtmltv1218 length = 8. format = PLTVFM. label = "Mark-to-Market Loan-to-Value Ratio of the Mortgage, December 2018"; attrib mtmltv0319 length = 8. format = PLTVFM. label = "Mark-to-Market Loan-to-Value Ratio of the Mortgage, March 2019"; attrib mtmltv0619 length = 8. format = PLTVFM. label = "Mark-to-Market Loan-to-Value Ratio of the Mortgage, June 2019"; attrib mtmltv0919 length = 8. format = PLTVFM. label = "Mark-to-Market Loan-to-Value Ratio of the Mortgage, September 2019"; attrib mtmltv1219 length = 8. format = PLTVFM. label = "Mark-to-Market Loan-to-Value Ratio of the Mortgage, December 2019"; attrib mtmltv0320 length = 8. format = PLTVFM. label = "Mark-to-Market Loan-to-Value Ratio of the Mortgage, March 2020"; attrib mtmltv0620 length = 8. format = PLTVFM. label = "Mark-to-Market Loan-to-Value Ratio of the Mortgage, June 2020"; attrib mtmltv0920 length = 8. format = PLTVFM. label = "Mark-to-Market Loan-to-Value Ratio of the Mortgage, September 2020"; attrib mtmltv1220 length = 8. format = PLTVFM. label = "Mark-to-Market Loan-to-Value Ratio of the Mortgage, December 2020"; attrib mtmltv0321 length = 8. format = PLTVFM. label = "Mark-to-Market Loan-to-Value Ratio of the Mortgage, March 2021"; attrib mtmltv0621 length = 8. format = PLTVFM. label = "Mark-to-Market Loan-to-Value Ratio of the Mortgage, June 2021"; attrib mtmltv0921 length = 8. format = PLTVFM. label = "Mark-to-Market Loan-to-Value Ratio of the Mortgage, September 2021"; attrib mtmltv1221 length = 8. format = PLTVFM. label = "Mark-to-Market Loan-to-Value Ratio of the Mortgage, December 2021"; attrib mtmltv0322 length = 8. format = PLTVFM. label = "Mark-to-Market Loan-to-Value Ratio of the Mortgage, March 2022"; attrib mtmltv0622 length = 8. format = PLTVFM. label = "Mark-to-Market Loan-to-Value Ratio of the Mortgage, June 2022"; attrib mtmltv0922 length = 8. format = PLTVFM. label = "Mark-to-Market Loan-to-Value Ratio of the Mortgage, September 2022"; attrib mtmltv1222 length = 8. format = PLTVFM. label = "Mark-to-Market Loan-to-Value Ratio of the Mortgage, December 2022"; run;