<xsd:element name="LOAN_PRODUCT">
<xsd:annotation>
<xsd:documentation xml:lang="en">Information concerning a Loan Product, which is a provider-defined offering of a mortgage or other type of loan, particularly its terms and conditions.</xsd:documentation>
</xsd:annotation>
<xsd:complexType>
<xsd:sequence>
<xsd:element ref="LOAN_PRICE_QUOTE" minOccurs="0" maxOccurs="unbounded"/>
<xsd:element ref="LOAN_PRODUCT_MARGIN" minOccurs="0" maxOccurs="unbounded"/>
<xsd:element ref="PRODUCT_CATEGORY" minOccurs="0" maxOccurs="unbounded"/>
</xsd:sequence>
<xsd:attribute name="LoanProductID" use="optional" type="xsd:ID">
<xsd:annotation>
<xsd:documentation xml:lang="en">Provides a unique Identifier for this container.</xsd:documentation>
</xsd:annotation>
</xsd:attribute>
<xsd:attribute name="ARMIndexType" use="optional">
<xsd:simpleType>
<xsd:annotation>
<xsd:documentation xml:lang="en">Specifies the type of index to be used to determine the interest rate at each adjustment.</xsd:documentation>
</xsd:annotation>
<xsd:restriction base="xsd:string">
<xsd:enumeration value="FHLB11thDistrictSFMonthlyCostOfFundsIndex">
<xsd:annotation>
<xsd:documentation xml:lang="en">The monthly weighted average cost of savings, borrowings, and advances of members of the Federal Home Loan Bank of San Francisco (the "Bank"), as made available by the Bank.</xsd:documentation>
</xsd:annotation>
</xsd:enumeration>
<xsd:enumeration value="LIBOROneMonthWallStreetJournal15thDayOfMonth">
<xsd:annotation>
<xsd:documentation xml:lang="en">The average of interbank offered rates for one month U.S. dollar-denominated deposits in the London market ("LIBOR"), as published in the Wall Street Journal on the 15th day of each month.</xsd:documentation>
</xsd:annotation>
</xsd:enumeration>
<xsd:enumeration value="LIBOROneMonthWallStreetJournal15thDayOfMonthOrNextBusinessDay">
<xsd:annotation>
<xsd:documentation xml:lang="en">The average of interbank offered rates for one month U.S. dollar-denominated deposits in the London market ("LIBOR"), as published in the Wall Street Journal on the 15th day of each month (or next business day after the 15th day of the month if the 15th falls on a holiday or weekend).</xsd:documentation>
</xsd:annotation>
</xsd:enumeration>
<xsd:enumeration value="LIBOROneMonthWallStreetJournal25thDayOfMonth">
<xsd:annotation>
<xsd:documentation xml:lang="en">The average of interbank offered rates for one month U.S. dollar-denominated deposits in the London market ("LIBOR"), as published in the Wall Street Journal on the 25th day of each month.</xsd:documentation>
</xsd:annotation>
</xsd:enumeration>
<xsd:enumeration value="LIBOROneMonthWallStreetJournal25thDayOfMonthOrNextBusinessDay">
<xsd:annotation>
<xsd:documentation xml:lang="en">The average of interbank offered rates for one month U.S. dollar-denominated deposits in the London market ("LIBOR"), as published in the Wall Street Journal on the 25th day of each month (or next business day after the 25th day of the month if the 25th falls on a holiday or weekend).</xsd:documentation>
</xsd:annotation>
</xsd:enumeration>
<xsd:enumeration value="LIBOROneMonthWallStreetJournalDaily">
<xsd:annotation>
<xsd:documentation xml:lang="en">The average of interbank offered rates for one month U.S. dollar-denominated deposits in the London market ("LIBOR"), as published in the Wall Street Journal.</xsd:documentation>
</xsd:annotation>
</xsd:enumeration>
<xsd:enumeration value="LIBOROneYearWallStreetJournalDaily">
<xsd:annotation>
<xsd:documentation xml:lang="en">The average of interbank offered rates for one year U.S. dollar-denominated deposits in the London market ("LIBOR"), as published in the Wall Street Journal.</xsd:documentation>
</xsd:annotation>
</xsd:enumeration>
<xsd:enumeration value="LIBORSixMonthWallStreetJournal15thDayOfMonth">
<xsd:annotation>
<xsd:documentation xml:lang="en">The average of interbank offered rates for six month U.S. dollar-denominated deposits in the London market ("LIBOR"), as published in the Wall Street Journal on the 15th day of each month.</xsd:documentation>
</xsd:annotation>
</xsd:enumeration>
<xsd:enumeration value="LIBORSixMonthWallStreetJournal15thDayOfMonthOrNextBusinessDay">
<xsd:annotation>
<xsd:documentation xml:lang="en">The average of interbank offered rates for six month U.S. dollar-denominated deposits in the London market ("LIBOR"), as published in the Wall Street Journal on the 15th day of each month (or next business day after the 15th day of the month if the 15th falls on a holiday or weekend).</xsd:documentation>
</xsd:annotation>
</xsd:enumeration>
<xsd:enumeration value="LIBORSixMonthWallStreetJournal25thDayofMonth">
<xsd:annotation>
<xsd:documentation xml:lang="en">The average of interbank offered rates for six month U.S. dollar-denominated deposits in the London market ("LIBOR"), as published in the Wall Street Journal on the 25th day of each month.</xsd:documentation>
</xsd:annotation>
</xsd:enumeration>
<xsd:enumeration value="LIBORSixMonthWallStreetJournal25thDayOfMonthOrNextBusinessDay">
<xsd:annotation>
<xsd:documentation xml:lang="en">The average of interbank offered rates for six month U.S. dollar-denominated deposits in the London market ("LIBOR"), as published in the Wall Street Journal on the 25th day of each month (or next business day after the 25th day of the month if the 25th falls on a holiday or weekend).</xsd:documentation>
</xsd:annotation>
</xsd:enumeration>
<xsd:enumeration value="LIBORSixMonthWSJLastBusinessDayOfMonth">
<xsd:annotation>
<xsd:documentation xml:lang="en">The average of interbank offered rates for six month U.S. dollar-denominated deposits in the London market ("LIBOR"), as published in the Wall Street Journal on the last business day of the month.</xsd:documentation>
</xsd:annotation>
</xsd:enumeration>
<xsd:enumeration value="Monthly1YearTreasurySecuritiesConstantMaturityFRBH15">
<xsd:annotation>
<xsd:documentation xml:lang="en">The monthly average yield on United States Treasury securities adjusted to constant maturity of one year, as made available by the Federal Reserve Board.</xsd:documentation>
</xsd:annotation>
</xsd:enumeration>
<xsd:enumeration value="Monthly3YearTreasurySecuritiesConstantMaturityFRBH15">
<xsd:annotation>
<xsd:documentation xml:lang="en">The monthly average yield on United States Treasury securities adjusted to constant maturity of three years, as made available by the Federal Reserve Board.</xsd:documentation>
</xsd:annotation>
</xsd:enumeration>
<xsd:enumeration value="Monthly5YearTreasurySecuritiesConstantMaturityFRBH15">
<xsd:annotation>
<xsd:documentation xml:lang="en">The monthly average yield on United States Treasury securities adjusted to constant maturity of five years, as made available by the Federal Reserve Board.</xsd:documentation>
</xsd:annotation>
</xsd:enumeration>
<xsd:enumeration value="MonthlyNationalAverageContractRateForThePurchaseOfPreviouslyOccupiedHomesByCombinedLendersFHFB">
<xsd:annotation>
<xsd:documentation xml:lang="en">The National Average Contract Mortgage Rate for the Purchase of Previously Occupied Homes by Combined Lenders, as made available by the Federal Housing Finance Board [or Federal Home Loan Bank Board].</xsd:documentation>
</xsd:annotation>
</xsd:enumeration>
<xsd:enumeration value="NationalMonthlyMedianCostOfFundsIndexOTS">
<xsd:annotation>
<xsd:documentation xml:lang="en">The National Monthly Median Cost of Funds Ratio to OTS-Regualted, SAIF-Insured Institutions, as made available by the Office of Thrift Suervision.</xsd:documentation>
</xsd:annotation>
</xsd:enumeration>
<xsd:enumeration value="Other"/>
<xsd:enumeration value="PrimeRateWallStreetJournalEffectiveDate">
<xsd:annotation>
<xsd:documentation xml:lang="en">The Prime Rate (effective as of the published "Effective Date") as published in the "Money Rates" section of the Wall Street Journal.</xsd:documentation>
</xsd:annotation>
</xsd:enumeration>
<xsd:enumeration value="PrimeRateWallStreetJournalPublicationDate">
<xsd:annotation>
<xsd:documentation xml:lang="en">The Prime Rate as published in the "Money Rates" section of the Wall Street Journal.</xsd:documentation>
</xsd:annotation>
</xsd:enumeration>
<xsd:enumeration value="SixMonthLIBORWallStreetJournalDaily">
<xsd:annotation>
<xsd:documentation xml:lang="en">The average of the interbank offered rates for six months U.S. dollar-denominated deposits in the London market ("LIBOR"), as published in the Wall Street Journal.</xsd:documentation>
</xsd:annotation>
</xsd:enumeration>
<xsd:enumeration value="SixMonthLIBORWallStreetJournalFirstBusinessDayOfTheMonth">
<xsd:annotation>
<xsd:documentation xml:lang="en">The average of the interbank offered rates for six months U.S. dollar-denominated deposits in the London market ("LIBOR"), as published in the Wall Street Journal. The most recent index figure available as of the first business day of the month immediately preceding the month in which the Change Date occurs is the "Current Index".</xsd:documentation>
</xsd:annotation>
</xsd:enumeration>
<xsd:enumeration value="SixMonthUSTreasuryBillMonthlyAuctionDiscountRateCalculated">
<xsd:annotation>
<xsd:documentation xml:lang="en">The twelve (12) month average of the monthly auction average (discount rate) on United States Treasury bills with a maturity of six months [or twenty-six weeks], as made availabe by the Federal Reserve Board</xsd:documentation>
</xsd:annotation>
</xsd:enumeration>
<xsd:enumeration value="SixMonthUSTreasuryBillMonthlyAuctionInvestmentYieldCalculated">
<xsd:annotation>
<xsd:documentation xml:lang="en">The monthly auction average (investment yield) on United States Treasury bills with a maturity of six months [or twenty-six weeks], as made available by the Federal Reserve Board.</xsd:documentation>
</xsd:annotation>
</xsd:enumeration>
<xsd:enumeration value="SixMonthUSTreasuryBillWeeklyAuctionDiscountRateUST">
<xsd:annotation>
<xsd:documentation xml:lang="en">The weekly auction average (discount rate) on United States Treasury bills with a maturity of six months [or twenty-six weeks], as made availabe by the U.S. Treasury after the sale of these securities.</xsd:documentation>
</xsd:annotation>
</xsd:enumeration>
<xsd:enumeration value="SixMonthUSTreasuryBillWeeklyAuctionInvestmentYieldUST">
<xsd:annotation>
<xsd:documentation xml:lang="en">The weekly auction average (investment yield) on United States Treasury bills with a maturity of six months [or twenty-six weeks], as made availabe by the U.S. Treasury after the sale of these securities.</xsd:documentation>
</xsd:annotation>
</xsd:enumeration>
<xsd:enumeration value="Weekly10YearTreasurySecuritiesConstantMaturityFRBH15">
<xsd:annotation>
<xsd:documentation xml:lang="en">The weekly average yield on United States Treasury securities adjusted to constant maturity of ten years, as made available by the Federal Reserve Board.</xsd:documentation>
</xsd:annotation>
</xsd:enumeration>
<xsd:enumeration value="Weekly1YearTreasurySecuritiesConstantMaturityFRBH15">
<xsd:annotation>
<xsd:documentation xml:lang="en">The weekly average yield on United States Treasury securities adjusted to constant maturity of one year, as made available by the Federal Reserve Board.</xsd:documentation>
</xsd:annotation>
</xsd:enumeration>
<xsd:enumeration value="Weekly3YearTreasurySecuritiesConstantMaturityFRBH15">
<xsd:annotation>
<xsd:documentation xml:lang="en">The weekly average yield on United States Treasury securities adjusted to constant maturity of three years, as made available by the Federal Reserve Board.</xsd:documentation>
</xsd:annotation>
</xsd:enumeration>
<xsd:enumeration value="Weekly5YearTreasurySecuritiesConstantMaturityFRBH15">
<xsd:annotation>
<xsd:documentation xml:lang="en">The weekly average yield on United States Treasury securities adjusted to constant maturity of five years, as made available by the Federal Reserve Board.</xsd:documentation>
</xsd:annotation>
</xsd:enumeration>
<xsd:enumeration value="Weekly6MonthCertificateOfDepositSecondaryMarketFRBH15">
<xsd:annotation>
<xsd:documentation xml:lang="en">The weekly average yield of the secondary market interest rates on six-month negotiable certificates of deposit, as made by the Federal Reserve Board.</xsd:documentation>
</xsd:annotation>
</xsd:enumeration>
</xsd:restriction>
</xsd:simpleType>
</xsd:attribute>
<xsd:attribute name="ARMIndexTypeOtherDescription" use="optional" type="xsd:string">
<xsd:annotation>
<xsd:documentation xml:lang="en">A free-form text field used to collect additional information or a description of the ARM index, used when Other is selected for the attribute ARM Index Type.</xsd:documentation>
</xsd:annotation>
</xsd:attribute>
<xsd:attribute name="FirstPaymentAdjustmentMonths" use="optional" type="xsd:string">
<xsd:annotation>
<xsd:documentation xml:lang="en">The number of months after which the first payment adjustment occurs. If the subject mortgage can change by means other than a rate adjustment.</xsd:documentation>
</xsd:annotation>
</xsd:attribute>
<xsd:attribute name="FirstRateAdjustmentMonths" use="optional" type="xsd:string">
<xsd:annotation>
<xsd:documentation xml:lang="en">The number of months after which the first interest rate adjustment occurs. If the interest rate on the subject loan can change.</xsd:documentation>
</xsd:annotation>
</xsd:attribute>
<xsd:attribute name="LienPriorityType" use="optional">
<xsd:simpleType>
<xsd:annotation>
<xsd:documentation xml:lang="en">Specifies the lien priority of the subject loan on the subject property.</xsd:documentation>
</xsd:annotation>
<xsd:restriction base="xsd:string">
<xsd:enumeration value="FirstLien">
<xsd:annotation>
<xsd:documentation xml:lang="en">A mortgage that gives the mortgagee a security right over all other mortgages of the mortgaged property.</xsd:documentation>
</xsd:annotation>
</xsd:enumeration>
<xsd:enumeration value="FourthLien"/>
<xsd:enumeration value="Other"/>
<xsd:enumeration value="SecondLien"/>
<xsd:enumeration value="ThirdLien"/>
</xsd:restriction>
</xsd:simpleType>
</xsd:attribute>
<xsd:attribute name="LienPriorityTypeOtherDescription" use="optional" type="xsd:string">
<xsd:annotation>
<xsd:documentation xml:lang="en">A free-form text field used to collect additional information or a description of the lien priority of the subject loan on the subject property, used when Other is selected for Lien Priority Type.</xsd:documentation>
</xsd:annotation>
</xsd:attribute>
<xsd:attribute name="MaximumDecreaseRate" use="optional" type="xsd:string">
<xsd:annotation>
<xsd:documentation xml:lang="en">The maximum number of percentage points by which the interest rate can decrease from the original interest rate over the life of the loan.</xsd:documentation>
</xsd:annotation>
</xsd:attribute>
<xsd:attribute name="MaximumIncreaseRate" use="optional" type="xsd:string">
<xsd:annotation>
<xsd:documentation xml:lang="en">The maximum number of percentage points by which the interest rate can increase from the original interest rate over the life of the loan.</xsd:documentation>
</xsd:annotation>
</xsd:attribute>
<xsd:attribute name="LoanAmortizationTerm" use="optional" type="xsd:string">
<xsd:annotation>
<xsd:documentation xml:lang="en">The number of payments used to compute the fully amortized payment.</xsd:documentation>
</xsd:annotation>
</xsd:attribute>
<xsd:attribute name="LoanAmortizationType" use="optional">
<xsd:simpleType>
<xsd:annotation>
<xsd:documentation xml:lang="en">Specifies the type of payment stream.</xsd:documentation>
</xsd:annotation>
<xsd:restriction base="xsd:string">
<xsd:enumeration value="AdjustableRate">
<xsd:annotation>
<xsd:documentation xml:lang="en">A mortgage that allows the lender to adjust the interest rate in accordance with a specified index periodically.</xsd:documentation>
</xsd:annotation>
</xsd:enumeration>
<xsd:enumeration value="DailySimpleInterest">
<xsd:annotation>
<xsd:documentation xml:lang="en">The interest is calculated as a per diem multiplied by the actual number of days between effective dates.</xsd:documentation>
</xsd:annotation>
</xsd:enumeration>
<xsd:enumeration value="Fixed">
<xsd:annotation>
<xsd:documentation xml:lang="en">Fixed: A mortgage in which the interest rate and payments remain the same for the life of the loan.</xsd:documentation>
</xsd:annotation>
</xsd:enumeration>
<xsd:enumeration value="GraduatedPaymentARM">
<xsd:annotation>
<xsd:documentation xml:lang="en">Periodic payments/rate changes with additional specified principal and interest changes as documented in the Security Instruments.</xsd:documentation>
</xsd:annotation>
</xsd:enumeration>
<xsd:enumeration value="GraduatedPaymentMortgage">
<xsd:annotation>
<xsd:documentation xml:lang="en">GPM - A type of flexible payment mortgage where the payments increase for a specified period of time and then level off. Usually involves negative amortization.</xsd:documentation>
</xsd:annotation>
</xsd:enumeration>
<xsd:enumeration value="GrowingEquityMortgage">
<xsd:annotation>
<xsd:documentation xml:lang="en">GEM - A graduated payment mortgage in which increases in a borrowers mortgage payments are used to accelerate reduction of principal on the mortgage. Due to increased payment, the borrower acquires equity more rapidly and retires the debt earlier.</xsd:documentation>
</xsd:annotation>
</xsd:enumeration>
<xsd:enumeration value="OtherAmortizationType">
<xsd:annotation>
<xsd:documentation xml:lang="en">Used to describe the amortization type if it is other than those specified in the enumerated list for Loan Amortization.</xsd:documentation>
</xsd:annotation>
</xsd:enumeration>
<xsd:enumeration value="ReverseMortgage">
<xsd:annotation>
<xsd:documentation xml:lang="en">A mortgage which uses present equity in the property to fund payments from the lender to the borrower-in lieu of the borrower receiving the proceeds of the loan in a lump sum. As a general rule no payments are made from the borrower to the lender and interest is accrued for payment at the end of the mortgage.</xsd:documentation>
</xsd:annotation>
</xsd:enumeration>
<xsd:enumeration value="Step">
<xsd:annotation>
<xsd:documentation xml:lang="en">Fixed periodic payment/rate changes up to 5 years without subsidy or neg am.</xsd:documentation>
</xsd:annotation>
</xsd:enumeration>
</xsd:restriction>
</xsd:simpleType>
</xsd:attribute>
<xsd:attribute name="LoanOriginalMaturityTermMonths" use="optional" type="xsd:string">
<xsd:annotation>
<xsd:documentation xml:lang="en">The scheduled number of months after which a debt will mature if not equal to the Amortization Term.</xsd:documentation>
</xsd:annotation>
</xsd:attribute>
<xsd:attribute name="LoanRepaymentType" use="optional">
<xsd:simpleType>
<xsd:annotation>
<xsd:documentation xml:lang="en">Specifies whether the loan payment schedule has been calculated to fully repay the loan over the mortgage term and if negative amortization is possible for the loan whether it is scheduled or potential. Negative amortization is unpaid interest added to the mortgage principal. This applies to loans where the principal balance increases because the payments do not cover the interest.</xsd:documentation>
</xsd:annotation>
<xsd:restriction base="xsd:string">
<xsd:enumeration value="InterestOnly"/>
<xsd:enumeration value="NoNegativeAmortization"/>
<xsd:enumeration value="Other"/>
<xsd:enumeration value="PotentialNegativeAmortization"/>
<xsd:enumeration value="ScheduledAmortization"/>
<xsd:enumeration value="ScheduledNegativeAmortization"/>
<xsd:enumeration value="ConstantPrincipal"/>
</xsd:restriction>
</xsd:simpleType>
</xsd:attribute>
<xsd:attribute name="LoanRepaymentTypeOtherDescription" use="optional" type="xsd:string">
<xsd:annotation>
<xsd:documentation xml:lang="en">A free form text field used to collect additional information when Other is selected for Loan Repayment Type</xsd:documentation>
</xsd:annotation>
</xsd:attribute>
<xsd:attribute name="MortgageType" use="optional">
<xsd:simpleType>
<xsd:annotation>
<xsd:documentation xml:lang="en">Specifies the type of mortgage being applied for or that as been granted.</xsd:documentation>
</xsd:annotation>
<xsd:restriction base="xsd:string">
<xsd:enumeration value="Conventional">
<xsd:annotation>
<xsd:documentation xml:lang="en">Mortgage financing which not guaranteed by a government agency such as HUD/FHA, VA or Farmers Home Administration.</xsd:documentation>
</xsd:annotation>
</xsd:enumeration>
<xsd:enumeration value="VA">
<xsd:annotation>
<xsd:documentation xml:lang="en">VA Home Loan Guaranty Program encourages mortgage lenders to offer long-term, low down payment financing to eligible veterans by partially guaranteeing the lender against loss upon foreclosure.</xsd:documentation>
</xsd:annotation>
</xsd:enumeration>
<xsd:enumeration value="FHA">
<xsd:annotation>
<xsd:documentation xml:lang="en">A federal agency within HUD that provides mortgage insurance for residential mortgages and sets standards for construction and underwriting.</xsd:documentation>
</xsd:annotation>
</xsd:enumeration>
<xsd:enumeration value="FarmersHomeAdministration">
<xsd:annotation>
<xsd:documentation xml:lang="en">A government agency which provides financing to farmers and other qualified borrowers who are unable to obtain loans elsewhere.</xsd:documentation>
</xsd:annotation>
</xsd:enumeration>
<xsd:enumeration value="StateAgency"/>
<xsd:enumeration value="LocalAgency"/>
<xsd:enumeration value="OtherAgency"/>
</xsd:restriction>
</xsd:simpleType>
</xsd:attribute>
<xsd:attribute name="OtherAmortizationTypeDescription" use="optional" type="xsd:string">
<xsd:annotation>
<xsd:documentation xml:lang="en">A free-form text field used to collect additional information or a description of the amortization type when Other Amortization Type is selected.</xsd:documentation>
</xsd:annotation>
</xsd:attribute>
<xsd:attribute name="OtherMortgageTypeDescription" use="optional" type="xsd:string">
<xsd:annotation>
<xsd:documentation xml:lang="en">A free-form text field used to collect additional information or a description of the mortgage type when Other is selected.</xsd:documentation>
</xsd:annotation>
</xsd:attribute>
<xsd:attribute name="PaymentFrequencyType" use="optional">
<xsd:simpleType>
<xsd:annotation>
<xsd:documentation xml:lang="en">Specifies the frequency of the mortgage payment.</xsd:documentation>
</xsd:annotation>
<xsd:restriction base="xsd:string">
<xsd:enumeration value="Annual"/>
<xsd:enumeration value="AtMaturity">
<xsd:annotation>
<xsd:documentation xml:lang="en">Payment one time at maturity</xsd:documentation>
</xsd:annotation>
</xsd:enumeration>
<xsd:enumeration value="Biweekly"/>
<xsd:enumeration value="Monthly"/>
<xsd:enumeration value="Quarterly"/>
<xsd:enumeration value="Semiannual">
<xsd:annotation>
<xsd:documentation xml:lang="en">Payment every six months</xsd:documentation>
</xsd:annotation>
</xsd:enumeration>
<xsd:enumeration value="Semimonthly">
<xsd:annotation>
<xsd:documentation xml:lang="en">Payment twice a month</xsd:documentation>
</xsd:annotation>
</xsd:enumeration>
<xsd:enumeration value="Weekly"/>
</xsd:restriction>
</xsd:simpleType>
</xsd:attribute>
<xsd:attribute name="PerChangeMaximumIncreaseRate" use="optional" type="xsd:string">
<xsd:annotation>
<xsd:documentation xml:lang="en">The maximum number of percentage points by which the rate can increase from the previous interest rate.</xsd:documentation>
</xsd:annotation>
</xsd:attribute>
<xsd:attribute name="ProductDescription" use="optional" type="xsd:string">
<xsd:annotation>
<xsd:documentation xml:lang="en
