anchor.diff:  74,Total Units,>149,Total units over 149,
   76,Submission of Application,1,Submitted directly to your institution,
   76,Submission of Application,2,Not submitted directly to your institution,
  -76,Submission of Application,3,Not applicable ,
  +76,Submission of Application,3,Not applicable,
   76,Submission of Application,1111,Exempt,
   77,Initially Payable to Your Institution,1,Initially payable to your institution,
   77,Initially Payable to Your Institution,2,Not initially payable to your institution,
  -77,Initially Payable to Your Institution,3,Not applicable ,
  +77,Initially Payable to Your Institution,3,Not applicable,
   77,Initially Payable to Your Institution,1111,Exempt,
   78,Automated Underwriting System,1,Desktop Underwriter (DU),
   78,Automated Underwriting System,2,Loan Prospector (LP) or Loan Product Advisor,
   78,Automated Underwriting System,3,Technology Open to Approved Lenders (TOTAL) Scorecard,
   78,Automated Underwriting System,4,Guaranteed Underwriting System (GUS),
  -78,Automated Underwriting System,5,Other ,
  -78,Automated Underwriting System,6,Not applicable , Code 6 is only valid for Automated Underwriting System: 1
  -78,Automated Underwriting System,1111,Exemption taken , Code 1111 is only valid for Automated Underwriting System: 1
  +78,Automated Underwriting System,5,Other,
  +78,Automated Underwriting System,6,Not applicable,Code 6 is only valid for Automated Underwriting System: 1
  +78,Automated Underwriting System,1111,Exemption taken,Code 1111 is only valid for Automated Underwriting System: 1
   83,Reverse Mortgage,1,Reverse mortgage,
   83,Reverse Mortgage,2,Not a reverse mortgage,
   83,Reverse Mortgage,1111,Exempt,
  
positive.code: 48,HOEPA Status,3,Not applicable,
  49,Lien Status,1,Secured by a first lien,
  49,Lien Status,2,Secured by a subordinate lien,
  50,Applicant or Borrower, Name and Version of Credit Scoring Model,1,Equifax Beacon 5.0,
  50,Applicant or Borrower, Name and Version of Credit Scoring Model,2,Experian Fair Isaac,
  50,Applicant or Borrower, Name and Version of Credit Scoring Model,3,FICO Risk Score Classic 04,
  50,Applicant or Borrower, Name and Version of Credit Scoring Model,4,FICO Risk Score Classic 98,
  50,Applicant or Borrower, Name and Version of Credit Scoring Model,5,Vantage Score 2.0,
  50,Applicant or Borrower, Name and Version of Credit Scoring Model,6,Vantage Score 3.0,
  50,Applicant or Borrower, Name and Version of Credit Scoring Model,7,More than one credit scoring model,
  50,Applicant or Borrower, Name and Version of Credit Scoring Model,8,Other credit scoring model,
  50,Applicant or Borrower, Name and Version of Credit Scoring Model,9,Not applicable,
  50,Applicant or Borrower, Name and Version of Credit Scoring Model,1111,Exempt,
  51,Co-Applicant or Co-Borrower, Name and Version of Credit Scoring Model,1,Equifax Beacon 5.0,
  51,Co-Applicant or Co-Borrower, Name and Version of Credit Scoring Model,2,Experian Fair Isaac,
  51,Co-Applicant or Co-Borrower, Name and Version of Credit Scoring Model,3,FICO Risk Score Classic 04,
  51,Co-Applicant or Co-Borrower, Name and Version of Credit Scoring Model,4,FICO Risk Score Classic 98,
  51,Co-Applicant or Co-Borrower, Name and Version of Credit Scoring Model,5,Vantage Score 2.0,
  51,Co-Applicant or Co-Borrower, Name and Version of Credit Scoring Model,6,Vantage Score 3.0,
  51,Co-Applicant or Co-Borrower, Name and Version of Credit Scoring Model,7,More than one credit scoring model,
  51,Co-Applicant or Co-Borrower, Name and Version of Credit Scoring Model,8,Other credit scoring model,
  51,Co-Applicant or Co-Borrower, Name and Version of Credit Scoring Model,9,Not applicable ,
  51,Co-Applicant or Co-Borrower, Name and Version of Credit Scoring Model,10,No co-applicant,
  51,Co-Applicant or Co-Borrower, Name and Version of Credit Scoring Model,1111,Exempt,
  52,Reason for Denial,1,Debt-to-income ratio,
  52,Reason for Denial,2,Employment history,
  52,Reason for Denial,3,Credit history,
  52,Reason for Denial,4,Collateral,
  52,Reason for Denial,5,Insufficient cash (downpayment, closing costs),
  52,Reason for Denial,6,Unverifiable information,
  52,Reason for Denial,7,Credit application incomplete,
  52,Reason for Denial,8,Mortgage insruance denied,
  52,Reason for Denial,9,Other,
  52,Reason for Denial,10,Not applicable , Code 10 is only valid for Reason for Denial: 1
  52,Reason for Denial,1111,Exempt , Code 1111 is only valid for Reason for Denial: 1 
  63,Debt-to-Income Ratio,Exact values between 36% and 50%,Published with modification ,
  63,Debt-to-Income Ratio,<20%,Debt-to-income ratio is less than 20%,
  63,Debt-to-Income Ratio,20%-<30%,Debt-to-income ratio is between 20% and is less than 30%,
  63,Debt-to-Income Ratio,30%-<36%,Debt-to-income ratio is between 30% and is less than 36%,
  63,Debt-to-Income Ratio,50%-60%,Debt-to-income ratio is between 50% and 60%,
  63,Debt-to-Income Ratio,>60%,Debt-to-income ratio is greater than 60%,
  63,Debt-to-Income Ratio,NA,Not applicable,
  63,Debt-to-Income Ratio,Exempt ,Exemption taken ,
  67,Balloon Payment,1,Balloon payment,
  67,Balloon Payment,2,No balloon payment,
  67,Balloon Payment,1111,Exempt,
  
negative.code: 25,Race of Applicant or Borrower,43,Samoan,
  25,Race of Applicant or Borrower,44,Other Pacific Islander,
  25,Race of Applicant or Borrower,5,White,
  25,Race of Applicant or Borrower,6,Information not provided by applicant in mail internet or telephone application,Code 6 is only valid for Race of Applicant or Borrower: 1
  25,Race of Applicant or Borrower,7,Not applicable,Code 7 is only valid for Race of Applicant or Borrower: 1
  30,Race of Co-Applicant or Co-Borrower,1,American Indian or Alaska Native,
  30,Race of Co-Applicant or Co-Borrower,2,Asian,
  30,Race of Co-Applicant or Co-Borrower,21,Asian Indian,
  