anchor.diff:  18,Ethnicity of Co-Applicant or Co-Borrower,13,Cuban,
   18,Ethnicity of Co-Applicant or Co-Borrower,14,Other Hispanic or Latino,
   18,Ethnicity of Co-Applicant or Co-Borrower,2,Not Hispanic or Latino,
  -18,Ethnicity of Co-Applicant or Co-Borrower,3,Information not provided by applicant in mail, internet, or telephone application , Code 3 only valid for ethnicity of Co-Applicant or Co-Borrower: 1
  -18,Ethnicity of Co-Applicant or Co-Borrower,4,Not applicable ,Code 4 only valid for Ethnicity of Co-Applicant or Co-Borrower: 1
  -18,Ethnicity of Co-Applicant or Co-Borrower,5,No co-applicant ,Code 5 only valid for Ethnicity of Co-Applicant or Co-Borrower: 1
  +18,Ethnicity of Co-Applicant or Co-Borrower,3,Information not provided by applicant in mail internet or telephone application,Code 3 only valid for ethnicity of Co-Applicant or Co-Borrower: 1
  +18,Ethnicity of Co-Applicant or Co-Borrower,4,Not applicable,Code 4 only valid for Ethnicity of Co-Applicant or Co-Borrower: 1
  +18,Ethnicity of Co-Applicant or Co-Borrower,5,No co-applicant,Code 5 only valid for Ethnicity of Co-Applicant or Co-Borrower: 1
   23,Ethnicity of Applicant or Borrower Collected on the Basis of Visual Observation or Surname,1,Collected on the basis of visual observation or surname,
   23,Ethnicity of Applicant or Borrower Collected on the Basis of Visual Observation or Surname,2,Not collected on the basis of visual observation or surname,
   23,Ethnicity of Applicant or Borrower Collected on the Basis of Visual Observation or Surname,3,Not applicable,
  
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: 84,Open-End Line of Credit,1111,Exempt,
  85,Business or Commercial Purpose,1,Primarily for a business or commercial purpose,
  85,Business or Commercial Purpose,2,Not primarily for a business or commercial purpose,
  85,Business or Commercial Purpose,1111,Exempt,
  