| {"test_case_number": 1, "bank_statement": "{\"seed\": \"john-homeowner-mortgage-test-003\", \"override_accounts\": [{\"type\": \"depository\", \"subtype\": \"checking\", \"starting_balance\": 205500, \"currency\": \"USD\", \"numbers\": {\"account\": \"220011003344\"}, \"transactions\": [{\"date_transacted\": \"2025-06-30\", \"date_posted\": \"2025-07-01\", \"amount\": 92.18, \"description\": \"ONLINE BILL PAY - DC WATER\", \"currency\": \"USD\", \"transaction_id\": \"plaid-1-00001\"}, {\"date_transacted\": \"2025-07-01\", \"date_posted\": \"2025-07-02\", \"amount\": 129.99, \"description\": \"VERIZON WIRELESS AUTO-PAY\", \"currency\": \"USD\", \"transaction_id\": \"plaid-1-00002\"}, {\"date_transacted\": \"2025-07-02\", \"date_posted\": \"2025-07-03\", \"amount\": 63.44, \"description\": \"SAFEWAY #312 WASHINGTON DC\", \"currency\": \"USD\", \"transaction_id\": \"plaid-1-00003\"}, {\"date_transacted\": \"2025-07-03\", \"date_posted\": \"2025-07-04\", \"amount\": 24.85, \"description\": \"STARBUCKS #5567 WASHINGTON DC\", \"currency\": \"USD\", \"transaction_id\": \"plaid-1-00004\"}, {\"date_transacted\": \"2025-07-04\", \"date_posted\": \"2025-07-05\", \"amount\": 1200, \"description\": \"ACH DEBIT CHILD SUPPORT DC OAG\", \"currency\": \"USD\", \"transaction_id\": \"plaid-1-00005\"}, {\"date_transacted\": \"2025-07-05\", \"date_posted\": \"2025-07-06\", \"amount\": 56.12, \"description\": \"UBER TRIP HELP.UBER.COM\", \"currency\": \"USD\", \"transaction_id\": \"plaid-1-00006\"}, {\"date_transacted\": \"2025-07-06\", \"date_posted\": \"2025-07-07\", \"amount\": 145.2, \"description\": \"AMAZON MKTPLACE PMTS AMZN.COM\", \"currency\": \"USD\", \"transaction_id\": \"plaid-1-00007\"}, {\"date_transacted\": \"2025-07-07\", \"date_posted\": \"2025-07-08\", \"amount\": 89.44, \"description\": \"NETFLIX/STREAMING SERVICES\", \"currency\": \"USD\", \"transaction_id\": \"plaid-1-00008\"}, {\"date_transacted\": \"2025-07-08\", \"date_posted\": \"2025-07-09\", \"amount\": 76.34, \"description\": \"TRADER JOE'S #654 WASHINGTON DC\", \"currency\": \"USD\", \"transaction_id\": \"plaid-1-00009\"}, {\"date_transacted\": \"2025-07-09\", \"date_posted\": \"2025-07-10\", \"amount\": 2400, \"description\": \"ZELLE PAYMENT - LANDLORD JULY RENT\", \"currency\": \"USD\", \"transaction_id\": \"plaid-1-00010\"}, {\"date_transacted\": \"2025-07-11\", \"date_posted\": \"2025-07-12\", \"amount\": -50000, \"description\": \"WIRE IN CREDIT - MARY HOMEOWNER GIFT\", \"currency\": \"USD\", \"transaction_id\": \"plaid-1-00011\"}, {\"date_transacted\": \"2025-07-12\", \"date_posted\": \"2025-07-13\", \"amount\": 18.77, \"description\": \"DUNKIN #4432 WASHINGTON DC\", \"currency\": \"USD\", \"transaction_id\": \"plaid-1-00012\"}, {\"date_transacted\": \"2025-07-13\", \"date_posted\": \"2025-07-14\", \"amount\": 65, \"description\": \"LYFT RIDE HELP.LYFT.COM\", \"currency\": \"USD\", \"transaction_id\": \"plaid-1-00013\"}, {\"date_transacted\": \"2025-07-14\", \"date_posted\": \"2025-07-15\", \"amount\": -3050, \"description\": \"ACH CREDIT PAYROLL - AAA INC PAYROLL\", \"currency\": \"USD\", \"transaction_id\": \"plaid-1-00014\"}, {\"date_transacted\": \"2025-07-15\", \"date_posted\": \"2025-07-16\", \"amount\": 118.54, \"description\": \"GIANT FOOD #1450 WASHINGTON DC\", \"currency\": \"USD\", \"transaction_id\": \"plaid-1-00015\"}, {\"date_transacted\": \"2025-07-16\", \"date_posted\": \"2025-07-17\", \"amount\": 72.94, \"description\": \"RESTAURANT POS - CHIPOTLE #441\", \"currency\": \"USD\", \"transaction_id\": \"plaid-1-00016\"}, {\"date_transacted\": \"2025-07-17\", \"date_posted\": \"2025-07-18\", \"amount\": 64.22, \"description\": \"CVS PHARMACY #10421\", \"currency\": \"USD\", \"transaction_id\": \"plaid-1-00017\"}, {\"date_transacted\": \"2025-07-18\", \"date_posted\": \"2025-07-19\", \"amount\": 42.33, \"description\": \"TARGET T-0743 WASHINGTON DC\", \"currency\": \"USD\", \"transaction_id\": \"plaid-1-00018\"}, {\"date_transacted\": \"2025-07-19\", \"date_posted\": \"2025-07-20\", \"amount\": 72.94, \"description\": \"DINING - BUSBOYS & POETS\", \"currency\": \"USD\", \"transaction_id\": \"plaid-1-00019\"}, {\"date_transacted\": \"2025-07-20\", \"date_posted\": \"2025-07-21\", \"amount\": 500, \"description\": \"TOYOTA CREDIT - Installment - Automobile\", \"currency\": \"USD\", \"transaction_id\": \"plaid-1-00020\"}, {\"date_transacted\": \"2025-07-20\", \"date_posted\": \"2025-07-21\", \"amount\": 257, \"description\": \"CHASE - Installment - Credit Card\", \"currency\": \"USD\", \"transaction_id\": \"plaid-1-00021\"}, {\"date_transacted\": \"2025-07-20\", \"date_posted\": \"2025-07-21\", \"amount\": 50, \"description\": \"SALLIEMAE - Installment - Educational\", \"currency\": \"USD\", \"transaction_id\": \"plaid-1-00022\"}, {\"date_transacted\": \"2025-07-20\", \"date_posted\": \"2025-07-21\", \"amount\": 25, \"description\": \"SALLIEMAE - Installment - Educational\", \"currency\": \"USD\", \"transaction_id\": \"plaid-1-00023\"}, {\"date_transacted\": \"2025-07-21\", \"date_posted\": \"2025-07-22\", \"amount\": 40, \"description\": \"ATM CASH WITHDRAWAL\", \"currency\": \"USD\", \"transaction_id\": \"plaid-1-00024\"}, {\"date_transacted\": \"2025-07-22\", \"date_posted\": \"2025-07-23\", \"amount\": 9.99, \"description\": \"SPOTIFY SUBSCRIPTION\", \"currency\": \"USD\", \"transaction_id\": \"plaid-1-00025\"}, {\"date_transacted\": \"2025-07-23\", \"date_posted\": \"2025-07-24\", \"amount\": 45, \"description\": \"MICROSOFT OFFICE 365 SUBSCRIPTION\", \"currency\": \"USD\", \"transaction_id\": \"plaid-1-00026\"}, {\"date_transacted\": \"2025-07-24\", \"date_posted\": \"2025-07-25\", \"amount\": 37.25, \"description\": \"UBER EATS ORDER 800-253-9377\", \"currency\": \"USD\", \"transaction_id\": \"plaid-1-00027\"}, {\"date_transacted\": \"2025-07-25\", \"date_posted\": \"2025-07-26\", \"amount\": 96.21, \"description\": \"SHELL OIL 5754 WASHINGTON DC\", \"currency\": \"USD\", \"transaction_id\": \"plaid-1-00028\"}, {\"date_transacted\": \"2025-07-26\", \"date_posted\": \"2025-07-27\", \"amount\": 82.75, \"description\": \"WALGREENS STORE #4401\", \"currency\": \"USD\", \"transaction_id\": \"plaid-1-00029\"}, {\"date_transacted\": \"2025-07-28\", \"date_posted\": \"2025-07-29\", \"amount\": -60000, \"description\": \"ACH CREDIT - FIDELITY 401K LOAN\", \"currency\": \"USD\", \"transaction_id\": \"plaid-1-00030\"}, {\"date_transacted\": \"2025-07-29\", \"date_posted\": \"2025-07-30\", \"amount\": 57.85, \"description\": \"RESTAURANT POS - SHAKE SHACK DC\", \"currency\": \"USD\", \"transaction_id\": \"plaid-1-00031\"}, {\"date_transacted\": \"2025-07-30\", \"date_posted\": \"2025-07-31\", \"amount\": -3050, \"description\": \"ACH CREDIT PAYROLL - AAA INC PAYROLL\", \"currency\": \"USD\", \"transaction_id\": \"plaid-1-00032\"}, {\"date_transacted\": \"2025-07-31\", \"date_posted\": \"2025-08-01\", \"amount\": 2400, \"description\": \"ZELLE PAYMENT - LANDLORD AUG RENT\", \"currency\": \"USD\", \"transaction_id\": \"plaid-1-00033\"}, {\"date_transacted\": \"2025-08-01\", \"date_posted\": \"2025-08-02\", \"amount\": 142.56, \"description\": \"SAFEWAY #312 WASHINGTON DC\", \"currency\": \"USD\", \"transaction_id\": \"plaid-1-00034\"}, {\"date_transacted\": \"2025-08-02\", \"date_posted\": \"2025-08-03\", \"amount\": -20000, \"description\": \"ACH CREDIT - COINBASE\", \"currency\": \"USD\", \"transaction_id\": \"plaid-1-00035\"}, {\"date_transacted\": \"2025-08-03\", \"date_posted\": \"2025-08-04\", \"amount\": 35.67, \"description\": \"UBER TRIP HELP.UBER.COM\", \"currency\": \"USD\", \"transaction_id\": \"plaid-1-00036\"}, {\"date_transacted\": \"2025-08-04\", \"date_posted\": \"2025-08-05\", \"amount\": 1200, \"description\": \"ACH DEBIT CHILD SUPPORT DC OAG\", \"currency\": \"USD\", \"transaction_id\": \"plaid-1-00037\"}, {\"date_transacted\": \"2025-08-05\", \"date_posted\": \"2025-08-06\", \"amount\": 84.22, \"description\": \"TRADER JOE'S #654 WASHINGTON DC\", \"currency\": \"USD\", \"transaction_id\": \"plaid-1-00038\"}, {\"date_transacted\": \"2025-08-06\", \"date_posted\": \"2025-08-07\", \"amount\": 92.18, \"description\": \"ONLINE BILL PAY - PEPCO ELECTRIC\", \"currency\": \"USD\", \"transaction_id\": \"plaid-1-00039\"}, {\"date_transacted\": \"2025-08-07\", \"date_posted\": \"2025-08-08\", \"amount\": 23.44, \"description\": \"STARBUCKS #5567 WASHINGTON DC\", \"currency\": \"USD\", \"transaction_id\": \"plaid-1-00040\"}, {\"date_transacted\": \"2025-08-08\", \"date_posted\": \"2025-08-09\", \"amount\": 124.37, \"description\": \"CHECK #2051 - CLEARED\", \"currency\": \"USD\", \"transaction_id\": \"plaid-1-00041\"}, {\"date_transacted\": \"2025-08-09\", \"date_posted\": \"2025-08-10\", \"amount\": 500, \"description\": \"TOYOTA CREDIT - Installment - Automobile\", \"currency\": \"USD\", \"transaction_id\": \"plaid-1-00042\"}, {\"date_transacted\": \"2025-08-09\", \"date_posted\": \"2025-08-10\", \"amount\": 257, \"description\": \"CHASE - Installment - Credit Card\", \"currency\": \"USD\", \"transaction_id\": \"plaid-1-00043\"}, {\"date_transacted\": \"2025-08-09\", \"date_posted\": \"2025-08-10\", \"amount\": 50, \"description\": \"SALLIEMAE - Installment - Educational\", \"currency\": \"USD\", \"transaction_id\": \"plaid-1-00044\"}, {\"date_transacted\": \"2025-08-09\", \"date_posted\": \"2025-08-10\", \"amount\": 25, \"description\": \"SALLIEMAE - Installment - Educational\", \"currency\": \"USD\", \"transaction_id\": \"plaid-1-00045\"}, {\"date_transacted\": \"2025-08-10\", \"date_posted\": \"2025-08-11\", \"amount\": 74.5, \"description\": \"AMAZON MKTPLACE PMTS AMZN.COM\", \"currency\": \"USD\", \"transaction_id\": \"plaid-1-00046\"}, {\"date_transacted\": \"2025-08-11\", \"date_posted\": \"2025-08-12\", \"amount\": 129.99, \"description\": \"VERIZON WIRELESS AUTO-PAY\", \"currency\": \"USD\", \"transaction_id\": \"plaid-1-00047\"}, {\"date_transacted\": \"2025-08-12\", \"date_posted\": \"2025-08-13\", \"amount\": 58.3, \"description\": \"STARBUCKS STORE #4567\", \"currency\": \"USD\", \"transaction_id\": \"plaid-1-00048\"}, {\"date_transacted\": \"2025-08-13\", \"date_posted\": \"2025-08-14\", \"amount\": 67.1, \"description\": \"UBER EATS ORDER 800-253-9377\", \"currency\": \"USD\", \"transaction_id\": \"plaid-1-00049\"}, {\"date_transacted\": \"2025-08-14\", \"date_posted\": \"2025-08-15\", \"amount\": -3050, \"description\": \"ACH CREDIT PAYROLL - AAA INC PAYROLL\", \"currency\": \"USD\", \"transaction_id\": \"plaid-1-00050\"}, {\"date_transacted\": \"2025-08-15\", \"date_posted\": \"2025-08-16\", \"amount\": 91.2, \"description\": \"GIANT FOOD #1450 WASHINGTON DC\", \"currency\": \"USD\", \"transaction_id\": \"plaid-1-00051\"}, {\"date_transacted\": \"2025-08-16\", \"date_posted\": \"2025-08-17\", \"amount\": 39.99, \"description\": \"HULU SUBSCRIPTION\", \"currency\": \"USD\", \"transaction_id\": \"plaid-1-00052\"}, {\"date_transacted\": \"2025-08-17\", \"date_posted\": \"2025-08-18\", \"amount\": 212.6, \"description\": \"GEICO AUTO INSURANCE PREMIUM\", \"currency\": \"USD\", \"transaction_id\": \"plaid-1-00053\"}, {\"date_transacted\": \"2025-08-18\", \"date_posted\": \"2025-08-19\", \"amount\": 84.62, \"description\": \"RESTAURANT POS - CLYDE'S GALLERY PL\", \"currency\": \"USD\", \"transaction_id\": \"plaid-1-00054\"}, {\"date_transacted\": \"2025-08-19\", \"date_posted\": \"2025-08-20\", \"amount\": 55.42, \"description\": \"UBER TRIP HELP.UBER.COM\", \"currency\": \"USD\", \"transaction_id\": \"plaid-1-00055\"}, {\"date_transacted\": \"2025-08-20\", \"date_posted\": \"2025-08-21\", \"amount\": 102.2, \"description\": \"WALGREENS STORE #4401\", \"currency\": \"USD\", \"transaction_id\": \"plaid-1-00056\"}, {\"date_transacted\": \"2025-08-21\", \"date_posted\": \"2025-08-22\", \"amount\": 96.21, \"description\": \"EXXONMOBIL #0223\", \"currency\": \"USD\", \"transaction_id\": \"plaid-1-00057\"}, {\"date_transacted\": \"2025-08-22\", \"date_posted\": \"2025-08-23\", \"amount\": 52.5, \"description\": \"TARGET T-0743 WASHINGTON DC\", \"currency\": \"USD\", \"transaction_id\": \"plaid-1-00058\"}, {\"date_transacted\": \"2025-08-23\", \"date_posted\": \"2025-08-24\", \"amount\": 92.18, \"description\": \"WASHINGTON GAS ONLINE BILL PAY\", \"currency\": \"USD\", \"transaction_id\": \"plaid-1-00059\"}, {\"date_transacted\": \"2025-08-24\", \"date_posted\": \"2025-08-25\", \"amount\": 5000, \"description\": \"ONLINE TRANSFER TO SAVINGS\", \"currency\": \"USD\", \"transaction_id\": \"plaid-1-00060\"}], \"identity\": {\"names\": [\"John Homeowner\"], \"emails\": [{\"primary\": true, \"type\": \"primary\", \"data\": \"john.homeowner@testmail.com\"}], \"addresses\": [{\"primary\": true, \"data\": {\"country\": \"US\", \"city\": \"Washington\", \"street\": \"175 13th St\", \"postal_code\": \"20013\", \"region\": \"DC\"}}]}}, {\"type\": \"depository\", \"subtype\": \"savings\", \"starting_balance\": 15500, \"currency\": \"USD\", \"numbers\": {\"account\": \"990077005511\"}, \"transactions\": [{\"date_transacted\": \"2025-06-30\", \"date_posted\": \"2025-07-01\", \"amount\": -8.5, \"description\": \"INTEREST CREDIT\", \"currency\": \"USD\", \"transaction_id\": \"plaid-1-00061\"}, {\"date_transacted\": \"2025-07-09\", \"date_posted\": \"2025-07-10\", \"amount\": -1500, \"description\": \"ONLINE TRANSFER FROM CHKG\", \"currency\": \"USD\", \"transaction_id\": \"plaid-1-00062\"}, {\"date_transacted\": \"2025-07-20\", \"date_posted\": \"2025-07-21\", \"amount\": 1000, \"description\": \"ONLINE TRANSFER TO CHKG\", \"currency\": \"USD\", \"transaction_id\": \"plaid-1-00063\"}, {\"date_transacted\": \"2025-07-30\", \"date_posted\": \"2025-07-31\", \"amount\": -8.95, \"description\": \"INTEREST CREDIT\", \"currency\": \"USD\", \"transaction_id\": \"plaid-1-00064\"}, {\"date_transacted\": \"2025-07-31\", \"date_posted\": \"2025-08-01\", \"amount\": -9.05, \"description\": \"INTEREST CREDIT\", \"currency\": \"USD\", \"transaction_id\": \"plaid-1-00065\"}, {\"date_transacted\": \"2025-08-11\", \"date_posted\": \"2025-08-12\", \"amount\": -2000, \"description\": \"ONLINE TRANSFER FROM CHKG\", \"currency\": \"USD\", \"transaction_id\": \"plaid-1-00066\"}, {\"date_transacted\": \"2025-08-16\", \"date_posted\": \"2025-08-17\", \"amount\": -3000, \"description\": \"ONLINE TRANSFER FROM CHKG\", \"currency\": \"USD\", \"transaction_id\": \"plaid-1-00067\"}, {\"date_transacted\": \"2025-08-24\", \"date_posted\": \"2025-08-25\", \"amount\": -5000, \"description\": \"ONLINE TRANSFER FROM CHKG\", \"currency\": \"USD\", \"transaction_id\": \"plaid-1-00068\"}], \"identity\": {\"names\": [\"John Homeowner\"], \"emails\": [{\"primary\": true, \"type\": \"primary\", \"data\": \"john.homeowner@testmail.com\"}], \"addresses\": [{\"primary\": true, \"data\": {\"country\": \"US\", \"city\": \"Washington\", \"street\": \"175 13th St\", \"postal_code\": \"20013\", \"region\": \"DC\"}}]}}]}", "ulad_du": "<MESSAGE xmlns=\"http://www.mismo.org/residential/2009/schemas\" xmlns:ULAD=\"http://www.datamodelextension.org/Schema/ULAD\" xmlns:DU=\"http://www.datamodelextension.org/Schema/DU\" xmlns:xlink=\"http://www.w3.org/1999/xlink\" MISMOReferenceModelIdentifier=\"3.4.032420160128\">\n <ABOUT_VERSIONS>\n <ABOUT_VERSION>\n <AboutVersionIdentifier>DU Spec 1.8.5</AboutVersionIdentifier>\n <CreatedDatetime>2025-09-02T15:21:06.315512451Z</CreatedDatetime>\n </ABOUT_VERSION>\n </ABOUT_VERSIONS>\n <DEAL_SETS>\n <DEAL_SET>\n <DEALS>\n <DEAL>\n <ASSETS>\n <ASSET SequenceNumber=\"1\" xlink:label=\"ASSET_1\">\n <ASSET_DETAIL>\n <AssetAccountIdentifier>3344</AssetAccountIdentifier>\n <AssetCashOrMarketValueAmount>205500.00</AssetCashOrMarketValueAmount>\n <AssetType>CheckingAccount</AssetType>\n </ASSET_DETAIL>\n <ASSET_HOLDER>\n <NAME>\n <FullName>First Platypus Bank</FullName>\n </NAME>\n </ASSET_HOLDER>\n </ASSET>\n <ASSET SequenceNumber=\"2\" xlink:label=\"ASSET_2\">\n <ASSET_DETAIL>\n <AssetAccountIdentifier>5511</AssetAccountIdentifier>\n <AssetCashOrMarketValueAmount>15500.00</AssetCashOrMarketValueAmount>\n <AssetType>SavingsAccount</AssetType>\n </ASSET_DETAIL>\n <ASSET_HOLDER>\n <NAME>\n <FullName>First Platypus Bank</FullName>\n </NAME>\n </ASSET_HOLDER>\n </ASSET>\n </ASSETS>\n <COLLATERALS>\n <COLLATERAL>\n <SUBJECT_PROPERTY>\n <ADDRESS>\n <CityName>ASBURY PARK</CityName>\n <CountryCode>US</CountryCode>\n <PostalCode>07712</PostalCode>\n <StateCode>NJ</StateCode>\n </ADDRESS>\n <LOCATION_IDENTIFIER>\n <FIPS_INFORMATION>\n <FIPSCountyCode>025</FIPSCountyCode>\n <FIPSStateNumericCode>34</FIPSStateNumericCode>\n </FIPS_INFORMATION>\n </LOCATION_IDENTIFIER>\n <PROPERTY_DETAIL>\n <AttachmentType>Detached</AttachmentType>\n <CommunityPropertyStateIndicator>false</CommunityPropertyStateIndicator>\n <ConstructionMethodType>SiteBuilt</ConstructionMethodType>\n <FHASecondaryResidenceIndicator>false</FHASecondaryResidenceIndicator>\n <FinancedUnitCount>1</FinancedUnitCount>\n <PropertyEstateType>FeeSimple</PropertyEstateType>\n <PropertyEstimatedValueAmount>600000.00</PropertyEstimatedValueAmount>\n <PropertyExistingCleanEnergyLienIndicator>false</PropertyExistingCleanEnergyLienIndicator>\n <PropertyInProjectIndicator>false</PropertyInProjectIndicator>\n <PropertyMixedUsageIndicator>false</PropertyMixedUsageIndicator>\n <PUDIndicator>false</PUDIndicator>\n </PROPERTY_DETAIL>\n <PROPERTY_VALUATIONS>\n <PROPERTY_VALUATION>\n <PROPERTY_VALUATION_DETAIL>\n <PropertyValuationAmount>600000.00</PropertyValuationAmount>\n </PROPERTY_VALUATION_DETAIL>\n </PROPERTY_VALUATION>\n </PROPERTY_VALUATIONS>\n <SALES_CONTRACTS>\n <SALES_CONTRACT>\n <SALES_CONTRACT_DETAIL>\n <SalesContractAmount>600000.00</SalesContractAmount>\n </SALES_CONTRACT_DETAIL>\n </SALES_CONTRACT>\n </SALES_CONTRACTS>\n </SUBJECT_PROPERTY>\n </COLLATERAL>\n </COLLATERALS>\n <LIABILITIES>\n <LIABILITY SequenceNumber=\"1\" xlink:label=\"LIABILITY_1\">\n <LIABILITY_DETAIL>\n <LiabilityAccountIdentifier>3210989098</LiabilityAccountIdentifier>\n <LiabilityExclusionIndicator>false</LiabilityExclusionIndicator>\n <LiabilityMonthlyPaymentAmount>500.00</LiabilityMonthlyPaymentAmount>\n <LiabilityPayoffStatusIndicator>false</LiabilityPayoffStatusIndicator>\n <LiabilityRemainingTermMonthsCount>34</LiabilityRemainingTermMonthsCount>\n <LiabilityType>Installment</LiabilityType>\n <LiabilityUnpaidBalanceAmount>15838.00</LiabilityUnpaidBalanceAmount>\n </LIABILITY_DETAIL>\n <LIABILITY_HOLDER>\n <NAME>\n <FullName>TOYOTA CREDIT</FullName>\n </NAME>\n </LIABILITY_HOLDER>\n </LIABILITY>\n <LIABILITY SequenceNumber=\"2\" xlink:label=\"LIABILITY_2\">\n <LIABILITY_DETAIL>\n <LiabilityAccountIdentifier>58652333</LiabilityAccountIdentifier>\n <LiabilityExclusionIndicator>false</LiabilityExclusionIndicator>\n <LiabilityMonthlyPaymentAmount>257.00</LiabilityMonthlyPaymentAmount>\n <LiabilityPayoffStatusIndicator>false</LiabilityPayoffStatusIndicator>\n <LiabilityRemainingTermMonthsCount>22</LiabilityRemainingTermMonthsCount>\n <LiabilityType>Installment</LiabilityType>\n <LiabilityUnpaidBalanceAmount>5000.00</LiabilityUnpaidBalanceAmount>\n </LIABILITY_DETAIL>\n <LIABILITY_HOLDER>\n <NAME>\n <FullName>CHASE</FullName>\n </NAME>\n </LIABILITY_HOLDER>\n </LIABILITY>\n <LIABILITY SequenceNumber=\"3\" xlink:label=\"LIABILITY_3\">\n <LIABILITY_DETAIL>\n <LiabilityAccountIdentifier>950254520</LiabilityAccountIdentifier>\n <LiabilityExclusionIndicator>false</LiabilityExclusionIndicator>\n <LiabilityMonthlyPaymentAmount>0.00</LiabilityMonthlyPaymentAmount>\n <LiabilityPayoffStatusIndicator>false</LiabilityPayoffStatusIndicator>\n <LiabilityRemainingTermMonthsCount>62</LiabilityRemainingTermMonthsCount>\n <LiabilityType>Installment</LiabilityType>\n <LiabilityUnpaidBalanceAmount>5000.00</LiabilityUnpaidBalanceAmount>\n </LIABILITY_DETAIL>\n <LIABILITY_HOLDER>\n <NAME>\n <FullName>SALLIE MAE</FullName>\n </NAME>\n </LIABILITY_HOLDER>\n </LIABILITY>\n <LIABILITY SequenceNumber=\"4\" xlink:label=\"LIABILITY_4\">\n <LIABILITY_DETAIL>\n <LiabilityAccountIdentifier>950752340</LiabilityAccountIdentifier>\n <LiabilityExclusionIndicator>false</LiabilityExclusionIndicator>\n <LiabilityMonthlyPaymentAmount>25.00</LiabilityMonthlyPaymentAmount>\n <LiabilityPayoffStatusIndicator>false</LiabilityPayoffStatusIndicator>\n <LiabilityRemainingTermMonthsCount>74</LiabilityRemainingTermMonthsCount>\n <LiabilityType>Installment</LiabilityType>\n <LiabilityUnpaidBalanceAmount>1100.00</LiabilityUnpaidBalanceAmount>\n </LIABILITY_DETAIL>\n <LIABILITY_HOLDER>\n <NAME>\n <FullName>SALLIE MAE</FullName>\n </NAME>\n </LIABILITY_HOLDER>\n </LIABILITY>\n <LIABILITY SequenceNumber=\"5\" xlink:label=\"LIABILITY_5\">\n <LIABILITY_DETAIL>\n <LiabilityAccountIdentifier>6011785239</LiabilityAccountIdentifier>\n <LiabilityExclusionIndicator>false</LiabilityExclusionIndicator>\n <LiabilityMonthlyPaymentAmount>25.00</LiabilityMonthlyPaymentAmount>\n <LiabilityPayoffStatusIndicator>false</LiabilityPayoffStatusIndicator>\n <LiabilityType>Revolving</LiabilityType>\n <LiabilityUnpaidBalanceAmount>950.00</LiabilityUnpaidBalanceAmount>\n </LIABILITY_DETAIL>\n <LIABILITY_HOLDER>\n <NAME>\n <FullName>UNIVERSAL VISA</FullName>\n </NAME>\n </LIABILITY_HOLDER>\n </LIABILITY>\n </LIABILITIES>\n <LOANS>\n <LOAN SequenceNumber=\"1\" LoanRoleType=\"SubjectLoan\" xlink:label=\"LOAN_1\">\n <AFFORDABLE_LENDING></AFFORDABLE_LENDING>\n <CLOSING_INFORMATION>\n <CLOSING_ADJUSTMENT_ITEMS></CLOSING_ADJUSTMENT_ITEMS>\n <CLOSING_INFORMATION_DETAIL></CLOSING_INFORMATION_DETAIL>\n </CLOSING_INFORMATION>\n <DOCUMENT_SPECIFIC_DATA_SETS>\n <DOCUMENT_SPECIFIC_DATA_SET>\n <URLA>\n <URLA_DETAIL></URLA_DETAIL>\n </URLA>\n </DOCUMENT_SPECIFIC_DATA_SET>\n </DOCUMENT_SPECIFIC_DATA_SETS>\n <HOUSING_EXPENSES></HOUSING_EXPENSES>\n <LOAN_DETAIL>\n <BalloonIndicator>false</BalloonIndicator>\n <BelowMarketSubordinateFinancingIndicator>false</BelowMarketSubordinateFinancingIndicator>\n <BorrowerCount>1</BorrowerCount>\n <BuydownTemporarySubsidyFundingIndicator>false</BuydownTemporarySubsidyFundingIndicator>\n <ConstructionLoanIndicator>false</ConstructionLoanIndicator>\n <EnergyRelatedImprovementsIndicator>false</EnergyRelatedImprovementsIndicator>\n <InterestOnlyIndicator>false</InterestOnlyIndicator>\n <NegativeAmortizationIndicator>false</NegativeAmortizationIndicator>\n <PrepaymentPenaltyIndicator>false</PrepaymentPenaltyIndicator>\n <RenovationLoanIndicator>false</RenovationLoanIndicator>\n <TotalMortgagedPropertiesCount>1</TotalMortgagedPropertiesCount>\n </LOAN_DETAIL>\n <LOAN_IDENTIFIERS>\n <LOAN_IDENTIFIER>\n <LoanIdentifier>85670492709</LoanIdentifier>\n <LoanIdentifierType>UniversalLoan</LoanIdentifierType>\n </LOAN_IDENTIFIER>\n </LOAN_IDENTIFIERS>\n <ORIGINATION_SYSTEMS>\n <ORIGINATION_SYSTEM>\n <LoanOriginationSystemName>TidalWave SOLO</LoanOriginationSystemName>\n <LoanOriginationSystemVendorIdentifier>TidalWave</LoanOriginationSystemVendorIdentifier>\n <LoanOriginationSystemVersionIdentifier>1.0</LoanOriginationSystemVersionIdentifier>\n </ORIGINATION_SYSTEM>\n </ORIGINATION_SYSTEMS>\n <TERMS_OF_LOAN>\n <BaseLoanAmount>480000.00</BaseLoanAmount>\n <LienPriorityType>FirstLien</LienPriorityType>\n <LoanPurposeType>Purchase</LoanPurposeType>\n <MortgageType>Conventional</MortgageType>\n <NoteRatePercent>0.000</NoteRatePercent>\n </TERMS_OF_LOAN>\n </LOAN>\n </LOANS>\n <PARTIES>\n <PARTY>\n <INDIVIDUAL>\n <CONTACT_POINTS>\n <CONTACT_POINT>\n <CONTACT_POINT_TELEPHONE>\n <ContactPointTelephoneValue>9999999999</ContactPointTelephoneValue>\n </CONTACT_POINT_TELEPHONE>\n <CONTACT_POINT_DETAIL>\n <ContactPointRoleType>Mobile</ContactPointRoleType>\n </CONTACT_POINT_DETAIL>\n </CONTACT_POINT>\n <CONTACT_POINT>\n <CONTACT_POINT_EMAIL>\n <ContactPointEmailValue>drindner+johnfinal1@tidalhq.com</ContactPointEmailValue>\n </CONTACT_POINT_EMAIL>\n </CONTACT_POINT>\n </CONTACT_POINTS>\n <NAME>\n <FirstName>John</FirstName>\n <LastName>Homeowner</LastName>\n </NAME>\n </INDIVIDUAL>\n <ROLES>\n <ROLE SequenceNumber=\"1\" xlink:label=\"BORROWER_1\">\n <BORROWER>\n <BORROWER_DETAIL>\n <BorrowerBirthDate>1990-01-01</BorrowerBirthDate>\n <CommunityPropertyStateResidentIndicator>false</CommunityPropertyStateResidentIndicator>\n <DependentCount>0</DependentCount>\n <MaritalStatusType>Unmarried</MaritalStatusType>\n </BORROWER_DETAIL>\n <CURRENT_INCOME>\n <CURRENT_INCOME_ITEMS>\n <CURRENT_INCOME_ITEM SequenceNumber=\"1\" xlink:label=\"CURRENT_INCOME_ITEM_1_1\">\n <CURRENT_INCOME_ITEM_DETAIL>\n <CurrentIncomeMonthlyTotalAmount>8333.33</CurrentIncomeMonthlyTotalAmount>\n <EmploymentIncomeIndicator>true</EmploymentIncomeIndicator>\n <IncomeType>Base</IncomeType>\n </CURRENT_INCOME_ITEM_DETAIL>\n </CURRENT_INCOME_ITEM>\n </CURRENT_INCOME_ITEMS>\n </CURRENT_INCOME>\n <DECLARATION>\n <DECLARATION_DETAIL>\n <BankruptcyIndicator>false</BankruptcyIndicator>\n <CitizenshipResidencyType>USCitizen</CitizenshipResidencyType>\n <HomeownerPastThreeYearsType>No</HomeownerPastThreeYearsType>\n <IntentToOccupyType>Yes</IntentToOccupyType>\n <OutstandingJudgmentsIndicator>false</OutstandingJudgmentsIndicator>\n <PartyToLawsuitIndicator>false</PartyToLawsuitIndicator>\n <PresentlyDelinquentIndicator>false</PresentlyDelinquentIndicator>\n <PriorPropertyDeedInLieuConveyedIndicator>false</PriorPropertyDeedInLieuConveyedIndicator>\n <PriorPropertyForeclosureCompletedIndicator>false</PriorPropertyForeclosureCompletedIndicator>\n <PriorPropertyShortSaleCompletedIndicator>false</PriorPropertyShortSaleCompletedIndicator>\n <PropertyProposedCleanEnergyLienIndicator>false</PropertyProposedCleanEnergyLienIndicator>\n <UndisclosedBorrowedFundsIndicator>false</UndisclosedBorrowedFundsIndicator>\n <UndisclosedComakerOfNoteIndicator>false</UndisclosedComakerOfNoteIndicator>\n <UndisclosedCreditApplicationIndicator>false</UndisclosedCreditApplicationIndicator>\n <UndisclosedMortgageApplicationIndicator>false</UndisclosedMortgageApplicationIndicator>\n <EXTENSION>\n <OTHER>\n <ULAD:DECLARATION_DETAIL_EXTENSION>\n <ULAD:SpecialBorrowerSellerRelationshipIndicator>false</ULAD:SpecialBorrowerSellerRelationshipIndicator>\n </ULAD:DECLARATION_DETAIL_EXTENSION>\n </OTHER>\n </EXTENSION>\n </DECLARATION_DETAIL>\n </DECLARATION>\n <DEPENDENTS></DEPENDENTS>\n <EMPLOYERS>\n <EMPLOYER SequenceNumber=\"1\" xlink:label=\"EMPLOYER_1_1\">\n <LEGAL_ENTITY>\n <LEGAL_ENTITY_DETAIL>\n <FullName>AAA</FullName>\n </LEGAL_ENTITY_DETAIL>\n </LEGAL_ENTITY>\n <EMPLOYMENT>\n <EmploymentBorrowerSelfEmployedIndicator>false</EmploymentBorrowerSelfEmployedIndicator>\n <EmploymentClassificationType>Secondary</EmploymentClassificationType>\n <EmploymentPositionDescription>Mechanic</EmploymentPositionDescription>\n <EmploymentStartDate>2000-01-01</EmploymentStartDate>\n <EmploymentStatusType>Current</EmploymentStatusType>\n <EmploymentTimeInLineOfWorkMonthsCount>120</EmploymentTimeInLineOfWorkMonthsCount>\n <SpecialBorrowerEmployerRelationshipIndicator>false</SpecialBorrowerEmployerRelationshipIndicator>\n <EXTENSION>\n <OTHER>\n <DU:EMPLOYMENT_EXTENSION>\n <DU:ForeignIncomeIndicator>false</DU:ForeignIncomeIndicator>\n <DU:SeasonalIncomeIndicator>false</DU:SeasonalIncomeIndicator>\n </DU:EMPLOYMENT_EXTENSION>\n </OTHER>\n </EXTENSION>\n </EMPLOYMENT>\n </EMPLOYER>\n </EMPLOYERS>\n <GOVERNMENT_BORROWER></GOVERNMENT_BORROWER>\n <GOVERNMENT_MONITORING>\n <GOVERNMENT_MONITORING_DETAIL>\n <HMDAEthnicityCollectedBasedOnVisualObservationOrSurnameIndicator>false</HMDAEthnicityCollectedBasedOnVisualObservationOrSurnameIndicator>\n <HMDAEthnicityRefusalIndicator>false</HMDAEthnicityRefusalIndicator>\n <HMDAGenderCollectedBasedOnVisualObservationOrNameIndicator>false</HMDAGenderCollectedBasedOnVisualObservationOrNameIndicator>\n <HMDAGenderRefusalIndicator>false</HMDAGenderRefusalIndicator>\n <HMDARaceCollectedBasedOnVisualObservationOrSurnameIndicator>false</HMDARaceCollectedBasedOnVisualObservationOrSurnameIndicator>\n <HMDARaceRefusalIndicator>false</HMDARaceRefusalIndicator>\n <EXTENSION>\n <OTHER>\n <ULAD:GOVERNMENT_MONITORING_DETAIL_EXTENSION></ULAD:GOVERNMENT_MONITORING_DETAIL_EXTENSION>\n </OTHER>\n </EXTENSION>\n </GOVERNMENT_MONITORING_DETAIL>\n </GOVERNMENT_MONITORING>\n <RESIDENCES>\n <RESIDENCE>\n <ADDRESS>\n <AddressLineText>175 13th St</AddressLineText>\n <CityName>Washington</CityName>\n <CountryCode>US</CountryCode>\n <PostalCode>20013</PostalCode>\n <StateCode>DC</StateCode>\n </ADDRESS>\n <LANDLORD>\n <LANDLORD_DETAIL>\n <MonthlyRentAmount>2400.00</MonthlyRentAmount>\n </LANDLORD_DETAIL>\n </LANDLORD>\n <RESIDENCE_DETAIL>\n <BorrowerResidencyBasisType>Rent</BorrowerResidencyBasisType>\n <BorrowerResidencyDurationMonthsCount>120</BorrowerResidencyDurationMonthsCount>\n <BorrowerResidencyType>Current</BorrowerResidencyType>\n </RESIDENCE_DETAIL>\n </RESIDENCE>\n </RESIDENCES>\n </BORROWER>\n <ROLE_DETAIL>\n <PartyRoleType>Borrower</PartyRoleType>\n </ROLE_DETAIL>\n </ROLE>\n </ROLES>\n <TAXPAYER_IDENTIFIERS>\n <TAXPAYER_IDENTIFIER>\n <TaxpayerIdentifierType>SocialSecurityNumber</TaxpayerIdentifierType>\n <TaxpayerIdentifierValue>999405000</TaxpayerIdentifierValue>\n </TAXPAYER_IDENTIFIER>\n </TAXPAYER_IDENTIFIERS>\n </PARTY>\n <PARTY>\n <INDIVIDUAL>\n <NAME></NAME>\n </INDIVIDUAL>\n <ROLES>\n <ROLE SequenceNumber=\"1\" xlink:label=\"PROPERTY_OWNER_1\">\n <PROPERTY_OWNER>\n <PropertyOwnerStatusType>Proposed</PropertyOwnerStatusType>\n </PROPERTY_OWNER>\n <ROLE_DETAIL>\n <PartyRoleType>PropertyOwner</PartyRoleType>\n </ROLE_DETAIL>\n </ROLE>\n </ROLES>\n </PARTY>\n </PARTIES>\n <RELATIONSHIPS>\n <RELATIONSHIP SequenceNumber=\"1\" xlink:arcrole=\"urn:fdc:mismo.org:2009:residential/CURRENT_INCOME_ITEM_IsAssociatedWith_EMPLOYER\" xlink:from=\"CURRENT_INCOME_ITEM_1_1\" xlink:to=\"EMPLOYER_1_1\"></RELATIONSHIP>\n <RELATIONSHIP SequenceNumber=\"2\" xlink:arcrole=\"urn:fdc:mismo.org:2009:residential/ASSET_IsAssociatedWith_ROLE\" xlink:from=\"ASSET_1\" xlink:to=\"BORROWER_1\"></RELATIONSHIP>\n <RELATIONSHIP SequenceNumber=\"3\" xlink:arcrole=\"urn:fdc:mismo.org:2009:residential/ASSET_IsAssociatedWith_ROLE\" xlink:from=\"ASSET_2\" xlink:to=\"BORROWER_1\"></RELATIONSHIP>\n <RELATIONSHIP SequenceNumber=\"4\" xlink:arcrole=\"urn:fdc:mismo.org:2009:residential/LIABILITY_IsAssociatedWith_ROLE\" xlink:from=\"LIABILITY_1\" xlink:to=\"BORROWER_1\"></RELATIONSHIP>\n <RELATIONSHIP SequenceNumber=\"5\" xlink:arcrole=\"urn:fdc:mismo.org:2009:residential/LIABILITY_IsAssociatedWith_ROLE\" xlink:from=\"LIABILITY_2\" xlink:to=\"BORROWER_1\"></RELATIONSHIP>\n <RELATIONSHIP SequenceNumber=\"6\" xlink:arcrole=\"urn:fdc:mismo.org:2009:residential/LIABILITY_IsAssociatedWith_ROLE\" xlink:from=\"LIABILITY_3\" xlink:to=\"BORROWER_1\"></RELATIONSHIP>\n <RELATIONSHIP SequenceNumber=\"7\" xlink:arcrole=\"urn:fdc:mismo.org:2009:residential/LIABILITY_IsAssociatedWith_ROLE\" xlink:from=\"LIABILITY_4\" xlink:to=\"BORROWER_1\"></RELATIONSHIP>\n <RELATIONSHIP SequenceNumber=\"8\" xlink:arcrole=\"urn:fdc:mismo.org:2009:residential/LIABILITY_IsAssociatedWith_ROLE\" xlink:from=\"LIABILITY_5\" xlink:to=\"BORROWER_1\"></RELATIONSHIP>\n </RELATIONSHIPS>\n <SERVICES></SERVICES>\n </DEAL>\n </DEALS>\n </DEAL_SET>\n </DEAL_SETS>\n</MESSAGE>"}
|
| {"test_case_number": 2, "bank_statement": "{\"seed\": \"mortgage-ai-multi-acct-mortgage-demo-002-2mo\", \"override_accounts\": [{\"type\": \"depository\", \"subtype\": \"checking\", \"starting_balance\": 130908, \"currency\": \"USD\", \"numbers\": {\"account\": \"111222333444\", \"ach_routing\": \"011000015\"}, \"transactions\": [{\"date_transacted\": \"2025-06-30\", \"date_posted\": \"2025-07-01\", \"amount\": 89.44, \"description\": \"NETFLIX *STREAMING SUBSCRIPTION PPD ID:765432109\", \"transaction_id\": \"plaid-2-00001\"}, {\"date_transacted\": \"2025-07-01\", \"date_posted\": \"2025-07-02\", \"amount\": 142.18, \"description\": \"DEBIT CARD EXXONMOBILE #7234 GAS\", \"transaction_id\": \"plaid-2-00002\"}, {\"date_transacted\": \"2025-07-02\", \"date_posted\": \"2025-07-03\", \"amount\": 58.3, \"description\": \"SAFEWAY 1234 #5678 WASHINGTON DC\", \"transaction_id\": \"plaid-2-00003\"}, {\"date_transacted\": \"2025-07-04\", \"date_posted\": \"2025-07-05\", \"amount\": -500, \"description\": \"TRANSFER FROM SAVINGS\", \"transaction_id\": \"plaid-2-00004\"}, {\"date_transacted\": \"2025-07-04\", \"date_posted\": \"2025-07-05\", \"amount\": 129.99, \"description\": \"VERIZON WIRELESS AUTOPAY PPD ID:123456789\", \"transaction_id\": \"plaid-2-00005\"}, {\"date_transacted\": \"2025-07-05\", \"date_posted\": \"2025-07-06\", \"amount\": 3000, \"description\": \"ZELLE PAYMENT TO JOHN SMITH\", \"transaction_id\": \"plaid-2-00006\"}, {\"date_transacted\": \"2025-07-06\", \"date_posted\": \"2025-07-07\", \"amount\": 35, \"description\": \"NSF FEE CHARGE\", \"transaction_id\": \"plaid-2-00007\"}, {\"date_transacted\": \"2025-07-07\", \"date_posted\": \"2025-07-08\", \"amount\": 84.62, \"description\": \"POS RESTAURANT WASHINGTON DC\", \"transaction_id\": \"plaid-2-00008\"}, {\"date_transacted\": \"2025-07-07\", \"date_posted\": \"2025-07-08\", \"amount\": -2200, \"description\": \"ACH CREDIT SSA US TREASURY PPD ID:555444333\", \"transaction_id\": \"plaid-2-00009\"}, {\"date_transacted\": \"2025-07-08\", \"date_posted\": \"2025-07-09\", \"amount\": 92.18, \"description\": \"ONLINE BILL PAY CON EDISON PPD ID:987654321\", \"transaction_id\": \"plaid-2-00010\"}, {\"date_transacted\": \"2025-07-09\", \"date_posted\": \"2025-07-10\", \"amount\": -1500, \"description\": \"TRANSFER FROM SAVINGS\", \"transaction_id\": \"plaid-2-00011\"}, {\"date_transacted\": \"2025-07-10\", \"date_posted\": \"2025-07-11\", \"amount\": 64.22, \"description\": \"CVS PHARMACY #5431\", \"transaction_id\": \"plaid-2-00012\"}, {\"date_transacted\": \"2025-07-11\", \"date_posted\": \"2025-07-12\", \"amount\": 48.11, \"description\": \"STARBUCKS #1123 POS\", \"transaction_id\": \"plaid-2-00013\"}, {\"date_transacted\": \"2025-07-13\", \"date_posted\": \"2025-07-14\", \"amount\": 125, \"description\": \"ACH DEBIT AMEX PAYMENT PPD ID:112233445\", \"transaction_id\": \"plaid-2-00014\"}, {\"date_transacted\": \"2025-07-14\", \"date_posted\": \"2025-07-15\", \"amount\": -2500, \"description\": \"ACH DEPOSIT NY MTA PAYROLL PPD ID:667788990\", \"transaction_id\": \"plaid-2-00015\"}, {\"date_transacted\": \"2025-07-14\", \"date_posted\": \"2025-07-15\", \"amount\": 95, \"description\": \"ACH DEBIT CAPITAL ONE PMT PPD ID:678901234\", \"transaction_id\": \"plaid-2-00016\"}, {\"date_transacted\": \"2025-07-14\", \"date_posted\": \"2025-07-15\", \"amount\": 79, \"description\": \"ACH DEBIT AFTERPAY INC PMT PPD ID:998877665\", \"transaction_id\": \"plaid-2-00017\"}, {\"date_transacted\": \"2025-07-15\", \"date_posted\": \"2025-07-16\", \"amount\": 118.54, \"description\": \"SAFEWAY 1234 #5678 WASHINGTON DC\", \"transaction_id\": \"plaid-2-00018\"}, {\"date_transacted\": \"2025-07-17\", \"date_posted\": \"2025-07-18\", \"amount\": 124.37, \"description\": \"CHECK #1045 CLEARED\", \"transaction_id\": \"plaid-2-00019\"}, {\"date_transacted\": \"2025-07-18\", \"date_posted\": \"2025-07-19\", \"amount\": 72.94, \"description\": \"POS RESTAURANT WASHINGTON DC\", \"transaction_id\": \"plaid-2-00020\"}, {\"date_transacted\": \"2025-07-19\", \"date_posted\": \"2025-07-20\", \"amount\": -12300, \"description\": \"ATM CASH DEPOSIT *ATM LOC\", \"transaction_id\": \"plaid-2-00021\"}, {\"date_transacted\": \"2025-07-19\", \"date_posted\": \"2025-07-20\", \"amount\": 62, \"description\": \"ACH DEBIT KLARNA PMT PPD ID:445566778\", \"transaction_id\": \"plaid-2-00022\"}, {\"date_transacted\": \"2025-07-20\", \"date_posted\": \"2025-07-21\", \"amount\": 2500, \"description\": \"TRANSFER TO SAVINGS\", \"transaction_id\": \"plaid-2-00023\"}, {\"date_transacted\": \"2025-07-21\", \"date_posted\": \"2025-07-22\", \"amount\": 212.6, \"description\": \"GEICO AUTO INSURANCE PREMIUM PPD ID:876543210\", \"transaction_id\": \"plaid-2-00024\"}, {\"date_transacted\": \"2025-07-23\", \"date_posted\": \"2025-07-24\", \"amount\": 45, \"description\": \"GOOGLE *GSUITE/GDRIVE PPD ID:109876543\", \"transaction_id\": \"plaid-2-00025\"}, {\"date_transacted\": \"2025-07-25\", \"date_posted\": \"2025-07-26\", \"amount\": 96.21, \"description\": \"DEBIT CARD SHELL #9876\", \"transaction_id\": \"plaid-2-00026\"}, {\"date_transacted\": \"2025-07-27\", \"date_posted\": \"2025-07-28\", \"amount\": 92.18, \"description\": \"ONLINE BILL PAY DC WATER PPD ID:456789012\", \"transaction_id\": \"plaid-2-00027\"}, {\"date_transacted\": \"2025-07-30\", \"date_posted\": \"2025-07-31\", \"amount\": -2500, \"description\": \"ACH DEPOSIT NY MTA PAYROLL PPD ID:667788990\", \"transaction_id\": \"plaid-2-00028\"}, {\"date_transacted\": \"2025-07-31\", \"date_posted\": \"2025-08-01\", \"amount\": 3000, \"description\": \"ZELLE PAYMENT TO JOHN SMITH\", \"transaction_id\": \"plaid-2-00029\"}, {\"date_transacted\": \"2025-08-01\", \"date_posted\": \"2025-08-02\", \"amount\": 129.99, \"description\": \"VERIZON WIRELESS AUTOPAY PPD ID:123456789\", \"transaction_id\": \"plaid-2-00030\"}, {\"date_transacted\": \"2025-08-02\", \"date_posted\": \"2025-08-03\", \"amount\": -1000, \"description\": \"TRANSFER FROM SAVINGS\", \"transaction_id\": \"plaid-2-00031\"}, {\"date_transacted\": \"2025-08-02\", \"date_posted\": \"2025-08-03\", \"amount\": 58.3, \"description\": \"SAFEWAY 1234 #5678 WASHINGTON DC\", \"transaction_id\": \"plaid-2-00032\"}, {\"date_transacted\": \"2025-08-03\", \"date_posted\": \"2025-08-04\", \"amount\": -2200, \"description\": \"ACH CREDIT SSA US TREASURY PPD ID:555444333\", \"transaction_id\": \"plaid-2-00033\"}, {\"date_transacted\": \"2025-08-04\", \"date_posted\": \"2025-08-05\", \"amount\": 2000, \"description\": \"ACH DEBIT VISA CREDIT CARD PMT PPD ID:234567890\", \"transaction_id\": \"plaid-2-00034\"}, {\"date_transacted\": \"2025-08-05\", \"date_posted\": \"2025-08-06\", \"amount\": 84.62, \"description\": \"POS RESTAURANT WASHINGTON DC\", \"transaction_id\": \"plaid-2-00035\"}, {\"date_transacted\": \"2025-08-06\", \"date_posted\": \"2025-08-07\", \"amount\": 92.18, \"description\": \"ONLINE BILL PAY CON EDISON PPD ID:987654321\", \"transaction_id\": \"plaid-2-00036\"}, {\"date_transacted\": \"2025-08-07\", \"date_posted\": \"2025-08-08\", \"amount\": -50000, \"description\": \"LIGHTSTREAM ACH PPD ID:123123123\", \"transaction_id\": \"plaid-2-00037\"}, {\"date_transacted\": \"2025-08-08\", \"date_posted\": \"2025-08-09\", \"amount\": 124.37, \"description\": \"CHECK #1046 CLEARED\", \"transaction_id\": \"plaid-2-00038\"}, {\"date_transacted\": \"2025-08-09\", \"date_posted\": \"2025-08-10\", \"amount\": 350, \"description\": \"ACH DEBIT ALLY BANK PMT PPD ID:321654987\", \"transaction_id\": \"plaid-2-00039\"}, {\"date_transacted\": \"2025-08-09\", \"date_posted\": \"2025-08-10\", \"amount\": -2000, \"description\": \"TRANSFER FROM SAVINGS\", \"transaction_id\": \"plaid-2-00040\"}, {\"date_transacted\": \"2025-08-11\", \"date_posted\": \"2025-08-12\", \"amount\": -2000, \"description\": \"TRANSFER FROM SAVINGS\", \"transaction_id\": \"plaid-2-00041\"}, {\"date_transacted\": \"2025-08-12\", \"date_posted\": \"2025-08-13\", \"amount\": 72.94, \"description\": \"POS RESTAURANT WASHINGTON DC\", \"transaction_id\": \"plaid-2-00042\"}, {\"date_transacted\": \"2025-08-13\", \"date_posted\": \"2025-08-14\", \"amount\": 125, \"description\": \"ACH DEBIT AMEX PAYMENT PPD ID:112233445\", \"transaction_id\": \"plaid-2-00043\"}, {\"date_transacted\": \"2025-08-13\", \"date_posted\": \"2025-08-14\", \"amount\": -2500, \"description\": \"ACH DEPOSIT NY MTA PAYROLL PPD ID:667788990\", \"transaction_id\": \"plaid-2-00044\"}, {\"date_transacted\": \"2025-08-14\", \"date_posted\": \"2025-08-15\", \"amount\": 95, \"description\": \"ACH DEBIT CAPITAL ONE PMT PPD ID:678901234\", \"transaction_id\": \"plaid-2-00045\"}, {\"date_transacted\": \"2025-08-14\", \"date_posted\": \"2025-08-15\", \"amount\": 79, \"description\": \"ACH DEBIT AFTERPAY INC PMT PPD ID:998877665\", \"transaction_id\": \"plaid-2-00046\"}, {\"date_transacted\": \"2025-08-14\", \"date_posted\": \"2025-08-15\", \"amount\": 212.6, \"description\": \"GEICO AUTO INSURANCE PREMIUM PPD ID:876543210\", \"transaction_id\": \"plaid-2-00047\"}, {\"date_transacted\": \"2025-08-15\", \"date_posted\": \"2025-08-16\", \"amount\": -12800, \"description\": \"ATM CASH DEPOSIT *ATM LOC\", \"transaction_id\": \"plaid-2-00048\"}, {\"date_transacted\": \"2025-08-16\", \"date_posted\": \"2025-08-17\", \"amount\": 3000, \"description\": \"TRANSFER TO SAVINGS\", \"transaction_id\": \"plaid-2-00049\"}, {\"date_transacted\": \"2025-08-17\", \"date_posted\": \"2025-08-18\", \"amount\": 92.18, \"description\": \"ONLINE BILL PAY WASHINGTON GAS CO PPD ID:112233445\", \"transaction_id\": \"plaid-2-00050\"}, {\"date_transacted\": \"2025-08-18\", \"date_posted\": \"2025-08-19\", \"amount\": 118.54, \"description\": \"SAFEWAY 1234 #5678 WASHINGTON DC\", \"transaction_id\": \"plaid-2-00051\"}, {\"date_transacted\": \"2025-08-19\", \"date_posted\": \"2025-08-20\", \"amount\": 62, \"description\": \"ACH DEBIT KLARNA PMT PPD ID:445566778\", \"transaction_id\": \"plaid-2-00052\"}, {\"date_transacted\": \"2025-08-19\", \"date_posted\": \"2025-08-20\", \"amount\": 64.22, \"description\": \"CVS PHARMACY #5431\", \"transaction_id\": \"plaid-2-00053\"}, {\"date_transacted\": \"2025-08-21\", \"date_posted\": \"2025-08-22\", \"amount\": 45, \"description\": \"GOOGLE *GSUITE/GDRIVE PPD ID:109876543\", \"transaction_id\": \"plaid-2-00054\"}, {\"date_transacted\": \"2025-08-22\", \"date_posted\": \"2025-08-23\", \"amount\": 96.21, \"description\": \"DEBIT CARD SHELL #9876\", \"transaction_id\": \"plaid-2-00055\"}, {\"date_transacted\": \"2025-08-23\", \"date_posted\": \"2025-08-24\", \"amount\": 84.62, \"description\": \"POS RESTAURANT WASHINGTON DC\", \"transaction_id\": \"plaid-2-00056\"}, {\"date_transacted\": \"2025-08-24\", \"date_posted\": \"2025-08-25\", \"amount\": -2500, \"description\": \"ACH DEPOSIT NY MTA PAYROLL PPD ID:667788990\", \"transaction_id\": \"plaid-2-00057\"}], \"identity\": {\"names\": [\"Andy America\", \"Amy America\"], \"emails\": [{\"primary\": true, \"type\": \"primary\", \"data\": \"andyamerica@company.com\"}, {\"primary\": false, \"type\": \"primary\", \"data\": \"amyamerica@company.com\"}], \"addresses\": [{\"primary\": true, \"data\": {\"country\": \"US\", \"city\": \"Someplace\", \"street\": \"4321 Cul de Sac St\", \"postal_code\": \"10001\", \"region\": \"NY\"}}]}}, {\"type\": \"depository\", \"subtype\": \"savings\", \"starting_balance\": 45800, \"currency\": \"USD\", \"numbers\": {\"account\": \"555666777888\", \"ach_routing\": \"011000015\"}, \"transactions\": [{\"date_transacted\": \"2025-06-30\", \"date_posted\": \"2025-07-01\", \"amount\": -12.5, \"description\": \"INTEREST EARNED\", \"transaction_id\": \"plaid-2-00058\"}, {\"date_transacted\": \"2025-07-04\", \"date_posted\": \"2025-07-05\", \"amount\": 500, \"description\": \"TRANSFER TO CHECKING\", \"transaction_id\": \"plaid-2-00059\"}, {\"date_transacted\": \"2025-07-09\", \"date_posted\": \"2025-07-10\", \"amount\": 1500, \"description\": \"TRANSFER TO CHECKING\", \"transaction_id\": \"plaid-2-00060\"}, {\"date_transacted\": \"2025-07-20\", \"date_posted\": \"2025-07-21\", \"amount\": -2500, \"description\": \"TRANSFER FROM CHECKING\", \"transaction_id\": \"plaid-2-00061\"}, {\"date_transacted\": \"2025-07-30\", \"date_posted\": \"2025-07-31\", \"amount\": -12.9, \"description\": \"INTEREST EARNED\", \"transaction_id\": \"plaid-2-00062\"}, {\"date_transacted\": \"2025-07-31\", \"date_posted\": \"2025-08-01\", \"amount\": -13.1, \"description\": \"INTEREST EARNED\", \"transaction_id\": \"plaid-2-00063\"}, {\"date_transacted\": \"2025-08-02\", \"date_posted\": \"2025-08-03\", \"amount\": 1000, \"description\": \"TRANSFER TO CHECKING\", \"transaction_id\": \"plaid-2-00064\"}, {\"date_transacted\": \"2025-08-09\", \"date_posted\": \"2025-08-10\", \"amount\": 2000, \"description\": \"TRANSFER TO CHECKING\", \"transaction_id\": \"plaid-2-00065\"}, {\"date_transacted\": \"2025-08-11\", \"date_posted\": \"2025-08-12\", \"amount\": 2000, \"description\": \"TRANSFER TO CHECKING\", \"transaction_id\": \"plaid-2-00066\"}, {\"date_transacted\": \"2025-08-16\", \"date_posted\": \"2025-08-17\", \"amount\": -3000, \"description\": \"TRANSFER FROM CHECKING (SWEEP)\", \"transaction_id\": \"plaid-2-00067\"}, {\"date_transacted\": \"2025-08-24\", \"date_posted\": \"2025-08-25\", \"amount\": -13.2, \"description\": \"INTEREST EARNED\", \"transaction_id\": \"plaid-2-00068\"}], \"identity\": {\"names\": [\"Andy America\", \"Amy America\"], \"emails\": [{\"primary\": true, \"type\": \"primary\", \"data\": \"andyamerica@company.com\"}, {\"primary\": false, \"type\": \"primary\", \"data\": \"amyamerica@company.com\"}], \"addresses\": [{\"primary\": true, \"data\": {\"country\": \"US\", \"city\": \"Someplace\", \"street\": \"4321 Cul de Sac St\", \"postal_code\": \"10001\", \"region\": \"NY\"}}]}}]}", "ulad_du": "<MESSAGE xmlns=\"http://www.mismo.org/residential/2009/schemas\" xmlns:ULAD=\"http://www.datamodelextension.org/Schema/ULAD\" xmlns:DU=\"http://www.datamodelextension.org/Schema/DU\" xmlns:xlink=\"http://www.w3.org/1999/xlink\" MISMOReferenceModelIdentifier=\"3.4.032420160128\">\n <ABOUT_VERSIONS>\n <ABOUT_VERSION>\n <AboutVersionIdentifier>DU Spec 1.8.5</AboutVersionIdentifier>\n <CreatedDatetime>2025-09-02T15:22:00.914788118Z</CreatedDatetime>\n </ABOUT_VERSION>\n </ABOUT_VERSIONS>\n <DEAL_SETS>\n <DEAL_SET>\n <DEALS>\n <DEAL>\n <ASSETS>\n <ASSET SequenceNumber=\"1\" xlink:label=\"ASSET_1\">\n <ASSET_DETAIL>\n <AssetAccountIdentifier>3444</AssetAccountIdentifier>\n <AssetCashOrMarketValueAmount>130908.00</AssetCashOrMarketValueAmount>\n <AssetType>CheckingAccount</AssetType>\n </ASSET_DETAIL>\n <ASSET_HOLDER>\n <NAME>\n <FullName>First Platypus Bank</FullName>\n </NAME>\n </ASSET_HOLDER>\n </ASSET>\n <ASSET SequenceNumber=\"2\" xlink:label=\"ASSET_2\">\n <ASSET_DETAIL>\n <AssetAccountIdentifier>7888</AssetAccountIdentifier>\n <AssetCashOrMarketValueAmount>45800.00</AssetCashOrMarketValueAmount>\n <AssetType>SavingsAccount</AssetType>\n </ASSET_DETAIL>\n <ASSET_HOLDER>\n <NAME>\n <FullName>First Platypus Bank</FullName>\n </NAME>\n </ASSET_HOLDER>\n </ASSET>\n <ASSET SequenceNumber=\"3\" xlink:label=\"ASSET_3\">\n <ASSET_DETAIL>\n <AssetType>RealEstateOwned</AssetType>\n </ASSET_DETAIL>\n <OWNED_PROPERTY>\n <OWNED_PROPERTY_DETAIL>\n <OwnedPropertyDispositionStatusType>Retain</OwnedPropertyDispositionStatusType>\n <OwnedPropertyLienUPBAmount>420306.00</OwnedPropertyLienUPBAmount>\n <OwnedPropertyRentalIncomeGrossAmount>5000.00</OwnedPropertyRentalIncomeGrossAmount>\n <OwnedPropertyRentalIncomeNetAmount>-545.33</OwnedPropertyRentalIncomeNetAmount>\n <OwnedPropertySubjectIndicator>false</OwnedPropertySubjectIndicator>\n </OWNED_PROPERTY_DETAIL>\n <PROPERTY>\n <ADDRESS>\n <AddressLineText>1011 Brookside Ave</AddressLineText>\n <CityName>Uniondale</CityName>\n <CountryCode>US</CountryCode>\n <PostalCode>11553</PostalCode>\n <StateCode>NY</StateCode>\n </ADDRESS>\n <PROPERTY_DETAIL>\n <PropertyCurrentUsageType>Investment</PropertyCurrentUsageType>\n <PropertyEstimatedValueAmount>1000000.00</PropertyEstimatedValueAmount>\n <PropertyUsageType>Investment</PropertyUsageType>\n </PROPERTY_DETAIL>\n </PROPERTY>\n </OWNED_PROPERTY>\n </ASSET>\n </ASSETS>\n <COLLATERALS>\n <COLLATERAL>\n <SUBJECT_PROPERTY>\n <ADDRESS>\n <CityName>BELMAR</CityName>\n <CountryCode>US</CountryCode>\n <PostalCode>07719</PostalCode>\n <StateCode>NJ</StateCode>\n </ADDRESS>\n <LOCATION_IDENTIFIER>\n <FIPS_INFORMATION>\n <FIPSCountyCode>025</FIPSCountyCode>\n <FIPSStateNumericCode>34</FIPSStateNumericCode>\n </FIPS_INFORMATION>\n </LOCATION_IDENTIFIER>\n <PROPERTY_DETAIL>\n <AttachmentType>Detached</AttachmentType>\n <CommunityPropertyStateIndicator>false</CommunityPropertyStateIndicator>\n <ConstructionMethodType>SiteBuilt</ConstructionMethodType>\n <FHASecondaryResidenceIndicator>false</FHASecondaryResidenceIndicator>\n <FinancedUnitCount>1</FinancedUnitCount>\n <PropertyEstateType>FeeSimple</PropertyEstateType>\n <PropertyEstimatedValueAmount>600000.00</PropertyEstimatedValueAmount>\n <PropertyExistingCleanEnergyLienIndicator>false</PropertyExistingCleanEnergyLienIndicator>\n <PropertyInProjectIndicator>false</PropertyInProjectIndicator>\n <PropertyMixedUsageIndicator>false</PropertyMixedUsageIndicator>\n <PUDIndicator>false</PUDIndicator>\n </PROPERTY_DETAIL>\n <PROPERTY_VALUATIONS>\n <PROPERTY_VALUATION>\n <PROPERTY_VALUATION_DETAIL>\n <PropertyValuationAmount>600000.00</PropertyValuationAmount>\n </PROPERTY_VALUATION_DETAIL>\n </PROPERTY_VALUATION>\n </PROPERTY_VALUATIONS>\n <SALES_CONTRACTS>\n <SALES_CONTRACT>\n <SALES_CONTRACT_DETAIL>\n <SalesContractAmount>600000.00</SalesContractAmount>\n </SALES_CONTRACT_DETAIL>\n </SALES_CONTRACT>\n </SALES_CONTRACTS>\n </SUBJECT_PROPERTY>\n </COLLATERAL>\n </COLLATERALS>\n <LIABILITIES>\n <LIABILITY SequenceNumber=\"1\" xlink:label=\"LIABILITY_1\">\n <LIABILITY_DETAIL>\n <LiabilityAccountIdentifier>502088</LiabilityAccountIdentifier>\n <LiabilityExclusionIndicator>false</LiabilityExclusionIndicator>\n <LiabilityMonthlyPaymentAmount>1691.00</LiabilityMonthlyPaymentAmount>\n <LiabilityPaymentIncludesTaxesInsuranceIndicator>true</LiabilityPaymentIncludesTaxesInsuranceIndicator>\n <LiabilityPayoffStatusIndicator>false</LiabilityPayoffStatusIndicator>\n <LiabilityType>MortgageLoan</LiabilityType>\n <LiabilityUnpaidBalanceAmount>210279.00</LiabilityUnpaidBalanceAmount>\n <SubjectLoanResubordinationIndicator>false</SubjectLoanResubordinationIndicator>\n </LIABILITY_DETAIL>\n <LIABILITY_HOLDER>\n <NAME>\n <FullName>BEST EVER MORTGAGE</FullName>\n </NAME>\n </LIABILITY_HOLDER>\n </LIABILITY>\n <LIABILITY SequenceNumber=\"2\" xlink:label=\"LIABILITY_2\">\n <LIABILITY_DETAIL>\n <LiabilityAccountIdentifier>757570</LiabilityAccountIdentifier>\n <LiabilityExclusionIndicator>false</LiabilityExclusionIndicator>\n <LiabilityMonthlyPaymentAmount>1671.00</LiabilityMonthlyPaymentAmount>\n <LiabilityPaymentIncludesTaxesInsuranceIndicator>false</LiabilityPaymentIncludesTaxesInsuranceIndicator>\n <LiabilityPayoffStatusIndicator>false</LiabilityPayoffStatusIndicator>\n <LiabilityType>MortgageLoan</LiabilityType>\n <LiabilityUnpaidBalanceAmount>210027.00</LiabilityUnpaidBalanceAmount>\n <SubjectLoanResubordinationIndicator>false</SubjectLoanResubordinationIndicator>\n </LIABILITY_DETAIL>\n <LIABILITY_HOLDER>\n <NAME>\n <FullName>CALLABLE MORTGAGE</FullName>\n </NAME>\n </LIABILITY_HOLDER>\n </LIABILITY>\n <LIABILITY SequenceNumber=\"3\" xlink:label=\"LIABILITY_3\">\n <LIABILITY_DETAIL>\n <LiabilityAccountIdentifier>435617</LiabilityAccountIdentifier>\n <LiabilityExclusionIndicator>false</LiabilityExclusionIndicator>\n <LiabilityMonthlyPaymentAmount>133.00</LiabilityMonthlyPaymentAmount>\n <LiabilityPayoffStatusIndicator>false</LiabilityPayoffStatusIndicator>\n <LiabilityType>Revolving</LiabilityType>\n <LiabilityUnpaidBalanceAmount>4665.00</LiabilityUnpaidBalanceAmount>\n </LIABILITY_DETAIL>\n <LIABILITY_HOLDER>\n <NAME>\n <FullName>ALLEN BANK CARD</FullName>\n </NAME>\n </LIABILITY_HOLDER>\n </LIABILITY>\n <LIABILITY SequenceNumber=\"4\" xlink:label=\"LIABILITY_4\">\n <LIABILITY_DETAIL>\n <LiabilityAccountIdentifier>200021</LiabilityAccountIdentifier>\n <LiabilityExclusionIndicator>false</LiabilityExclusionIndicator>\n <LiabilityMonthlyPaymentAmount>46.00</LiabilityMonthlyPaymentAmount>\n <LiabilityPayoffStatusIndicator>false</LiabilityPayoffStatusIndicator>\n <LiabilityRemainingTermMonthsCount>37</LiabilityRemainingTermMonthsCount>\n <LiabilityType>Installment</LiabilityType>\n <LiabilityUnpaidBalanceAmount>1554.00</LiabilityUnpaidBalanceAmount>\n </LIABILITY_DETAIL>\n <LIABILITY_HOLDER>\n <NAME>\n <FullName>RELENTLESS BANK</FullName>\n </NAME>\n </LIABILITY_HOLDER>\n </LIABILITY>\n <LIABILITY SequenceNumber=\"5\" xlink:label=\"LIABILITY_5\">\n <LIABILITY_DETAIL>\n <LiabilityAccountIdentifier>171442</LiabilityAccountIdentifier>\n <LiabilityExclusionIndicator>false</LiabilityExclusionIndicator>\n <LiabilityMonthlyPaymentAmount>27.00</LiabilityMonthlyPaymentAmount>\n <LiabilityPayoffStatusIndicator>false</LiabilityPayoffStatusIndicator>\n <LiabilityType>Revolving</LiabilityType>\n <LiabilityUnpaidBalanceAmount>1357.00</LiabilityUnpaidBalanceAmount>\n </LIABILITY_DETAIL>\n <LIABILITY_HOLDER>\n <NAME>\n <FullName>BURSTING CREDIT</FullName>\n </NAME>\n </LIABILITY_HOLDER>\n </LIABILITY>\n <LIABILITY SequenceNumber=\"6\" xlink:label=\"LIABILITY_6\">\n <LIABILITY_DETAIL>\n <LiabilityAccountIdentifier>411711911</LiabilityAccountIdentifier>\n <LiabilityExclusionIndicator>false</LiabilityExclusionIndicator>\n <LiabilityMonthlyPaymentAmount>40.00</LiabilityMonthlyPaymentAmount>\n <LiabilityPayoffStatusIndicator>false</LiabilityPayoffStatusIndicator>\n <LiabilityType>Revolving</LiabilityType>\n <LiabilityUnpaidBalanceAmount>450.00</LiabilityUnpaidBalanceAmount>\n </LIABILITY_DETAIL>\n <LIABILITY_HOLDER>\n <NAME>\n <FullName>PRIME VISA</FullName>\n </NAME>\n </LIABILITY_HOLDER>\n </LIABILITY>\n <LIABILITY SequenceNumber=\"7\" xlink:label=\"LIABILITY_7\">\n <LIABILITY_DETAIL>\n <LiabilityAccountIdentifier>529115</LiabilityAccountIdentifier>\n <LiabilityExclusionIndicator>false</LiabilityExclusionIndicator>\n <LiabilityMonthlyPaymentAmount>10.00</LiabilityMonthlyPaymentAmount>\n <LiabilityPayoffStatusIndicator>false</LiabilityPayoffStatusIndicator>\n <LiabilityType>Revolving</LiabilityType>\n <LiabilityUnpaidBalanceAmount>29.00</LiabilityUnpaidBalanceAmount>\n </LIABILITY_DETAIL>\n <LIABILITY_HOLDER>\n <NAME>\n <FullName>CAPITAL BANK</FullName>\n </NAME>\n </LIABILITY_HOLDER>\n </LIABILITY>\n </LIABILITIES>\n <LOANS>\n <LOAN SequenceNumber=\"1\" LoanRoleType=\"SubjectLoan\" xlink:label=\"LOAN_1\">\n <AFFORDABLE_LENDING></AFFORDABLE_LENDING>\n <CLOSING_INFORMATION>\n <CLOSING_ADJUSTMENT_ITEMS></CLOSING_ADJUSTMENT_ITEMS>\n <CLOSING_INFORMATION_DETAIL></CLOSING_INFORMATION_DETAIL>\n </CLOSING_INFORMATION>\n <DOCUMENT_SPECIFIC_DATA_SETS>\n <DOCUMENT_SPECIFIC_DATA_SET>\n <URLA>\n <URLA_DETAIL></URLA_DETAIL>\n </URLA>\n </DOCUMENT_SPECIFIC_DATA_SET>\n </DOCUMENT_SPECIFIC_DATA_SETS>\n <HOUSING_EXPENSES></HOUSING_EXPENSES>\n <LOAN_DETAIL>\n <BalloonIndicator>false</BalloonIndicator>\n <BelowMarketSubordinateFinancingIndicator>false</BelowMarketSubordinateFinancingIndicator>\n <BorrowerCount>2</BorrowerCount>\n <BuydownTemporarySubsidyFundingIndicator>false</BuydownTemporarySubsidyFundingIndicator>\n <ConstructionLoanIndicator>false</ConstructionLoanIndicator>\n <EnergyRelatedImprovementsIndicator>false</EnergyRelatedImprovementsIndicator>\n <InterestOnlyIndicator>false</InterestOnlyIndicator>\n <NegativeAmortizationIndicator>false</NegativeAmortizationIndicator>\n <PrepaymentPenaltyIndicator>false</PrepaymentPenaltyIndicator>\n <RenovationLoanIndicator>false</RenovationLoanIndicator>\n <TotalMortgagedPropertiesCount>2</TotalMortgagedPropertiesCount>\n </LOAN_DETAIL>\n <LOAN_IDENTIFIERS>\n <LOAN_IDENTIFIER>\n <LoanIdentifier>86881713506</LoanIdentifier>\n <LoanIdentifierType>UniversalLoan</LoanIdentifierType>\n </LOAN_IDENTIFIER>\n </LOAN_IDENTIFIERS>\n <ORIGINATION_SYSTEMS>\n <ORIGINATION_SYSTEM>\n <LoanOriginationSystemName>TidalWave SOLO</LoanOriginationSystemName>\n <LoanOriginationSystemVendorIdentifier>TidalWave</LoanOriginationSystemVendorIdentifier>\n <LoanOriginationSystemVersionIdentifier>1.0</LoanOriginationSystemVersionIdentifier>\n </ORIGINATION_SYSTEM>\n </ORIGINATION_SYSTEMS>\n <TERMS_OF_LOAN>\n <BaseLoanAmount>530000.00</BaseLoanAmount>\n <LienPriorityType>FirstLien</LienPriorityType>\n <LoanPurposeType>Purchase</LoanPurposeType>\n <MortgageType>Conventional</MortgageType>\n <NoteRatePercent>0.000</NoteRatePercent>\n </TERMS_OF_LOAN>\n </LOAN>\n </LOANS>\n <PARTIES>\n <PARTY>\n <INDIVIDUAL>\n <CONTACT_POINTS>\n <CONTACT_POINT>\n <CONTACT_POINT_TELEPHONE>\n <ContactPointTelephoneValue>9999999999</ContactPointTelephoneValue>\n </CONTACT_POINT_TELEPHONE>\n <CONTACT_POINT_DETAIL>\n <ContactPointRoleType>Mobile</ContactPointRoleType>\n </CONTACT_POINT_DETAIL>\n </CONTACT_POINT>\n <CONTACT_POINT>\n <CONTACT_POINT_EMAIL>\n <ContactPointEmailValue>drindner+testaa11@tidalhq.com</ContactPointEmailValue>\n </CONTACT_POINT_EMAIL>\n </CONTACT_POINT>\n </CONTACT_POINTS>\n <NAME>\n <FirstName>Andy</FirstName>\n <LastName>America</LastName>\n </NAME>\n </INDIVIDUAL>\n <ROLES>\n <ROLE SequenceNumber=\"1\" xlink:label=\"BORROWER_1\">\n <BORROWER>\n <BORROWER_DETAIL>\n <BorrowerBirthDate>1990-01-01</BorrowerBirthDate>\n <CommunityPropertyStateResidentIndicator>false</CommunityPropertyStateResidentIndicator>\n <DependentCount>0</DependentCount>\n <MaritalStatusType>Married</MaritalStatusType>\n </BORROWER_DETAIL>\n <CURRENT_INCOME>\n <CURRENT_INCOME_ITEMS>\n <CURRENT_INCOME_ITEM SequenceNumber=\"1\" xlink:label=\"CURRENT_INCOME_ITEM_1_1\">\n <CURRENT_INCOME_ITEM_DETAIL>\n <CurrentIncomeMonthlyTotalAmount>6000.00</CurrentIncomeMonthlyTotalAmount>\n <EmploymentIncomeIndicator>true</EmploymentIncomeIndicator>\n <IncomeType>Base</IncomeType>\n </CURRENT_INCOME_ITEM_DETAIL>\n </CURRENT_INCOME_ITEM>\n </CURRENT_INCOME_ITEMS>\n </CURRENT_INCOME>\n <DECLARATION>\n <DECLARATION_DETAIL>\n <BankruptcyIndicator>false</BankruptcyIndicator>\n <CitizenshipResidencyType>USCitizen</CitizenshipResidencyType>\n <HomeownerPastThreeYearsType>Yes</HomeownerPastThreeYearsType>\n <IntentToOccupyType>Yes</IntentToOccupyType>\n <OutstandingJudgmentsIndicator>false</OutstandingJudgmentsIndicator>\n <PartyToLawsuitIndicator>false</PartyToLawsuitIndicator>\n <PresentlyDelinquentIndicator>false</PresentlyDelinquentIndicator>\n <PriorPropertyDeedInLieuConveyedIndicator>false</PriorPropertyDeedInLieuConveyedIndicator>\n <PriorPropertyForeclosureCompletedIndicator>false</PriorPropertyForeclosureCompletedIndicator>\n <PriorPropertyShortSaleCompletedIndicator>false</PriorPropertyShortSaleCompletedIndicator>\n <PropertyProposedCleanEnergyLienIndicator>false</PropertyProposedCleanEnergyLienIndicator>\n <UndisclosedBorrowedFundsIndicator>false</UndisclosedBorrowedFundsIndicator>\n <UndisclosedComakerOfNoteIndicator>false</UndisclosedComakerOfNoteIndicator>\n <UndisclosedCreditApplicationIndicator>false</UndisclosedCreditApplicationIndicator>\n <UndisclosedMortgageApplicationIndicator>false</UndisclosedMortgageApplicationIndicator>\n <EXTENSION>\n <OTHER>\n <ULAD:DECLARATION_DETAIL_EXTENSION>\n <ULAD:SpecialBorrowerSellerRelationshipIndicator>false</ULAD:SpecialBorrowerSellerRelationshipIndicator>\n </ULAD:DECLARATION_DETAIL_EXTENSION>\n </OTHER>\n </EXTENSION>\n </DECLARATION_DETAIL>\n </DECLARATION>\n <DEPENDENTS></DEPENDENTS>\n <EMPLOYERS>\n <EMPLOYER SequenceNumber=\"1\" xlink:label=\"EMPLOYER_1_1\">\n <LEGAL_ENTITY>\n <LEGAL_ENTITY_DETAIL>\n <FullName>NY MTA</FullName>\n </LEGAL_ENTITY_DETAIL>\n </LEGAL_ENTITY>\n <EMPLOYMENT>\n <EmploymentBorrowerSelfEmployedIndicator>false</EmploymentBorrowerSelfEmployedIndicator>\n <EmploymentClassificationType>Secondary</EmploymentClassificationType>\n <EmploymentPositionDescription>Manager</EmploymentPositionDescription>\n <EmploymentStartDate>2000-01-01</EmploymentStartDate>\n <EmploymentStatusType>Current</EmploymentStatusType>\n <EmploymentTimeInLineOfWorkMonthsCount>120</EmploymentTimeInLineOfWorkMonthsCount>\n <SpecialBorrowerEmployerRelationshipIndicator>false</SpecialBorrowerEmployerRelationshipIndicator>\n <EXTENSION>\n <OTHER>\n <DU:EMPLOYMENT_EXTENSION>\n <DU:ForeignIncomeIndicator>false</DU:ForeignIncomeIndicator>\n <DU:SeasonalIncomeIndicator>false</DU:SeasonalIncomeIndicator>\n </DU:EMPLOYMENT_EXTENSION>\n </OTHER>\n </EXTENSION>\n </EMPLOYMENT>\n </EMPLOYER>\n </EMPLOYERS>\n <GOVERNMENT_BORROWER></GOVERNMENT_BORROWER>\n <GOVERNMENT_MONITORING>\n <GOVERNMENT_MONITORING_DETAIL>\n <HMDAEthnicityCollectedBasedOnVisualObservationOrSurnameIndicator>false</HMDAEthnicityCollectedBasedOnVisualObservationOrSurnameIndicator>\n <HMDAEthnicityRefusalIndicator>false</HMDAEthnicityRefusalIndicator>\n <HMDAGenderCollectedBasedOnVisualObservationOrNameIndicator>false</HMDAGenderCollectedBasedOnVisualObservationOrNameIndicator>\n <HMDAGenderRefusalIndicator>false</HMDAGenderRefusalIndicator>\n <HMDARaceCollectedBasedOnVisualObservationOrSurnameIndicator>false</HMDARaceCollectedBasedOnVisualObservationOrSurnameIndicator>\n <HMDARaceRefusalIndicator>false</HMDARaceRefusalIndicator>\n <EXTENSION>\n <OTHER>\n <ULAD:GOVERNMENT_MONITORING_DETAIL_EXTENSION></ULAD:GOVERNMENT_MONITORING_DETAIL_EXTENSION>\n </OTHER>\n </EXTENSION>\n </GOVERNMENT_MONITORING_DETAIL>\n </GOVERNMENT_MONITORING>\n <RESIDENCES>\n <RESIDENCE>\n <ADDRESS>\n <AddressLineText>4321 Cul de Sac St</AddressLineText>\n <CityName>Someplace</CityName>\n <CountryCode>US</CountryCode>\n <PostalCode>02723</PostalCode>\n <StateCode>MA</StateCode>\n </ADDRESS>\n <LANDLORD>\n <LANDLORD_DETAIL>\n <MonthlyRentAmount>3000.00</MonthlyRentAmount>\n </LANDLORD_DETAIL>\n </LANDLORD>\n <RESIDENCE_DETAIL>\n <BorrowerResidencyBasisType>Rent</BorrowerResidencyBasisType>\n <BorrowerResidencyDurationMonthsCount>120</BorrowerResidencyDurationMonthsCount>\n <BorrowerResidencyType>Current</BorrowerResidencyType>\n </RESIDENCE_DETAIL>\n </RESIDENCE>\n </RESIDENCES>\n </BORROWER>\n <ROLE_DETAIL>\n <PartyRoleType>Borrower</PartyRoleType>\n </ROLE_DETAIL>\n </ROLE>\n </ROLES>\n <TAXPAYER_IDENTIFIERS>\n <TAXPAYER_IDENTIFIER>\n <TaxpayerIdentifierType>SocialSecurityNumber</TaxpayerIdentifierType>\n <TaxpayerIdentifierValue>999603333</TaxpayerIdentifierValue>\n </TAXPAYER_IDENTIFIER>\n </TAXPAYER_IDENTIFIERS>\n </PARTY>\n <PARTY>\n <INDIVIDUAL>\n <CONTACT_POINTS>\n <CONTACT_POINT>\n <CONTACT_POINT_EMAIL>\n <ContactPointEmailValue>drindner+amy11@tidalhq.com</ContactPointEmailValue>\n </CONTACT_POINT_EMAIL>\n </CONTACT_POINT>\n </CONTACT_POINTS>\n <NAME>\n <FirstName>Amy</FirstName>\n <LastName>America</LastName>\n </NAME>\n </INDIVIDUAL>\n <ROLES>\n <ROLE SequenceNumber=\"2\" xlink:label=\"BORROWER_2\">\n <BORROWER>\n <BORROWER_DETAIL>\n <BorrowerBirthDate>1991-01-01</BorrowerBirthDate>\n <CommunityPropertyStateResidentIndicator>false</CommunityPropertyStateResidentIndicator>\n <DependentCount>0</DependentCount>\n <MaritalStatusType>Married</MaritalStatusType>\n </BORROWER_DETAIL>\n <CURRENT_INCOME>\n <CURRENT_INCOME_ITEMS></CURRENT_INCOME_ITEMS>\n </CURRENT_INCOME>\n <DECLARATION>\n <DECLARATION_DETAIL>\n <BankruptcyIndicator>false</BankruptcyIndicator>\n <CitizenshipResidencyType>USCitizen</CitizenshipResidencyType>\n <HomeownerPastThreeYearsType>Yes</HomeownerPastThreeYearsType>\n <IntentToOccupyType>Yes</IntentToOccupyType>\n <OutstandingJudgmentsIndicator>false</OutstandingJudgmentsIndicator>\n <PartyToLawsuitIndicator>false</PartyToLawsuitIndicator>\n <PresentlyDelinquentIndicator>false</PresentlyDelinquentIndicator>\n <PriorPropertyDeedInLieuConveyedIndicator>false</PriorPropertyDeedInLieuConveyedIndicator>\n <PriorPropertyForeclosureCompletedIndicator>false</PriorPropertyForeclosureCompletedIndicator>\n <PriorPropertyShortSaleCompletedIndicator>false</PriorPropertyShortSaleCompletedIndicator>\n <PropertyProposedCleanEnergyLienIndicator>false</PropertyProposedCleanEnergyLienIndicator>\n <UndisclosedBorrowedFundsIndicator>false</UndisclosedBorrowedFundsIndicator>\n <UndisclosedComakerOfNoteIndicator>false</UndisclosedComakerOfNoteIndicator>\n <UndisclosedCreditApplicationIndicator>false</UndisclosedCreditApplicationIndicator>\n <UndisclosedMortgageApplicationIndicator>false</UndisclosedMortgageApplicationIndicator>\n <EXTENSION>\n <OTHER>\n <ULAD:DECLARATION_DETAIL_EXTENSION>\n <ULAD:SpecialBorrowerSellerRelationshipIndicator>false</ULAD:SpecialBorrowerSellerRelationshipIndicator>\n </ULAD:DECLARATION_DETAIL_EXTENSION>\n </OTHER>\n </EXTENSION>\n </DECLARATION_DETAIL>\n </DECLARATION>\n <DEPENDENTS></DEPENDENTS>\n <EMPLOYERS></EMPLOYERS>\n <GOVERNMENT_BORROWER></GOVERNMENT_BORROWER>\n <GOVERNMENT_MONITORING>\n <GOVERNMENT_MONITORING_DETAIL>\n <HMDAEthnicityCollectedBasedOnVisualObservationOrSurnameIndicator>false</HMDAEthnicityCollectedBasedOnVisualObservationOrSurnameIndicator>\n <HMDAEthnicityRefusalIndicator>false</HMDAEthnicityRefusalIndicator>\n <HMDAGenderCollectedBasedOnVisualObservationOrNameIndicator>false</HMDAGenderCollectedBasedOnVisualObservationOrNameIndicator>\n <HMDAGenderRefusalIndicator>false</HMDAGenderRefusalIndicator>\n <HMDARaceCollectedBasedOnVisualObservationOrSurnameIndicator>false</HMDARaceCollectedBasedOnVisualObservationOrSurnameIndicator>\n <HMDARaceRefusalIndicator>false</HMDARaceRefusalIndicator>\n <EXTENSION>\n <OTHER>\n <ULAD:GOVERNMENT_MONITORING_DETAIL_EXTENSION></ULAD:GOVERNMENT_MONITORING_DETAIL_EXTENSION>\n </OTHER>\n </EXTENSION>\n </GOVERNMENT_MONITORING_DETAIL>\n </GOVERNMENT_MONITORING>\n <RESIDENCES>\n <RESIDENCE>\n <ADDRESS>\n <AddressLineText>4321 Cul de Sac St</AddressLineText>\n <CityName>Someplace</CityName>\n <CountryCode>US</CountryCode>\n <PostalCode>02723</PostalCode>\n <StateCode>MA</StateCode>\n </ADDRESS>\n <RESIDENCE_DETAIL>\n <BorrowerResidencyBasisType>Own</BorrowerResidencyBasisType>\n <BorrowerResidencyDurationMonthsCount>120</BorrowerResidencyDurationMonthsCount>\n <BorrowerResidencyType>Current</BorrowerResidencyType>\n </RESIDENCE_DETAIL>\n </RESIDENCE>\n </RESIDENCES>\n </BORROWER>\n <ROLE_DETAIL>\n <PartyRoleType>Borrower</PartyRoleType>\n </ROLE_DETAIL>\n </ROLE>\n </ROLES>\n <TAXPAYER_IDENTIFIERS>\n <TAXPAYER_IDENTIFIER>\n <TaxpayerIdentifierType>SocialSecurityNumber</TaxpayerIdentifierType>\n <TaxpayerIdentifierValue>500602222</TaxpayerIdentifierValue>\n </TAXPAYER_IDENTIFIER>\n </TAXPAYER_IDENTIFIERS>\n </PARTY>\n <PARTY>\n <INDIVIDUAL>\n <NAME></NAME>\n </INDIVIDUAL>\n <ROLES>\n <ROLE SequenceNumber=\"1\" xlink:label=\"PROPERTY_OWNER_1\">\n <PROPERTY_OWNER>\n <PropertyOwnerStatusType>Proposed</PropertyOwnerStatusType>\n </PROPERTY_OWNER>\n <ROLE_DETAIL>\n <PartyRoleType>PropertyOwner</PartyRoleType>\n </ROLE_DETAIL>\n </ROLE>\n </ROLES>\n </PARTY>\n </PARTIES>\n <RELATIONSHIPS>\n <RELATIONSHIP SequenceNumber=\"1\" xlink:arcrole=\"urn:fdc:mismo.org:2009:residential/CURRENT_INCOME_ITEM_IsAssociatedWith_EMPLOYER\" xlink:from=\"CURRENT_INCOME_ITEM_1_1\" xlink:to=\"EMPLOYER_1_1\"></RELATIONSHIP>\n <RELATIONSHIP SequenceNumber=\"2\" xlink:arcrole=\"urn:fdc:mismo.org:2009:residential/ROLE_SharesJointCreditReportWith_ROLE\" xlink:from=\"BORROWER_2\" xlink:to=\"BORROWER_1\"></RELATIONSHIP>\n <RELATIONSHIP SequenceNumber=\"3\" xlink:arcrole=\"urn:fdc:mismo.org:2009:residential/ASSET_IsAssociatedWith_ROLE\" xlink:from=\"ASSET_1\" xlink:to=\"BORROWER_1\"></RELATIONSHIP>\n <RELATIONSHIP SequenceNumber=\"4\" xlink:arcrole=\"urn:fdc:mismo.org:2009:residential/ASSET_IsAssociatedWith_ROLE\" xlink:from=\"ASSET_1\" xlink:to=\"BORROWER_2\"></RELATIONSHIP>\n <RELATIONSHIP SequenceNumber=\"5\" xlink:arcrole=\"urn:fdc:mismo.org:2009:residential/ASSET_IsAssociatedWith_ROLE\" xlink:from=\"ASSET_2\" xlink:to=\"BORROWER_1\"></RELATIONSHIP>\n <RELATIONSHIP SequenceNumber=\"6\" xlink:arcrole=\"urn:fdc:mismo.org:2009:residential/ASSET_IsAssociatedWith_ROLE\" xlink:from=\"ASSET_2\" xlink:to=\"BORROWER_2\"></RELATIONSHIP>\n <RELATIONSHIP SequenceNumber=\"7\" xlink:arcrole=\"urn:fdc:mismo.org:2009:residential/ASSET_IsAssociatedWith_ROLE\" xlink:from=\"ASSET_3\" xlink:to=\"BORROWER_1\"></RELATIONSHIP>\n <RELATIONSHIP SequenceNumber=\"8\" xlink:arcrole=\"urn:fdc:mismo.org:2009:residential/LIABILITY_IsAssociatedWith_ROLE\" xlink:from=\"LIABILITY_1\" xlink:to=\"BORROWER_1\"></RELATIONSHIP>\n <RELATIONSHIP SequenceNumber=\"9\" xlink:arcrole=\"urn:fdc:mismo.org:2009:residential/ASSET_IsAssociatedWith_LIABILITY\" xlink:from=\"ASSET_3\" xlink:to=\"LIABILITY_1\"></RELATIONSHIP>\n <RELATIONSHIP SequenceNumber=\"10\" xlink:arcrole=\"urn:fdc:mismo.org:2009:residential/LIABILITY_IsAssociatedWith_ROLE\" xlink:from=\"LIABILITY_2\" xlink:to=\"BORROWER_1\"></RELATIONSHIP>\n <RELATIONSHIP SequenceNumber=\"11\" xlink:arcrole=\"urn:fdc:mismo.org:2009:residential/LIABILITY_IsAssociatedWith_ROLE\" xlink:from=\"LIABILITY_2\" xlink:to=\"BORROWER_2\"></RELATIONSHIP>\n <RELATIONSHIP SequenceNumber=\"12\" xlink:arcrole=\"urn:fdc:mismo.org:2009:residential/ASSET_IsAssociatedWith_LIABILITY\" xlink:from=\"ASSET_3\" xlink:to=\"LIABILITY_2\"></RELATIONSHIP>\n <RELATIONSHIP SequenceNumber=\"13\" xlink:arcrole=\"urn:fdc:mismo.org:2009:residential/LIABILITY_IsAssociatedWith_ROLE\" xlink:from=\"LIABILITY_3\" xlink:to=\"BORROWER_1\"></RELATIONSHIP>\n <RELATIONSHIP SequenceNumber=\"14\" xlink:arcrole=\"urn:fdc:mismo.org:2009:residential/LIABILITY_IsAssociatedWith_ROLE\" xlink:from=\"LIABILITY_3\" xlink:to=\"BORROWER_2\"></RELATIONSHIP>\n <RELATIONSHIP SequenceNumber=\"15\" xlink:arcrole=\"urn:fdc:mismo.org:2009:residential/LIABILITY_IsAssociatedWith_ROLE\" xlink:from=\"LIABILITY_4\" xlink:to=\"BORROWER_1\"></RELATIONSHIP>\n <RELATIONSHIP SequenceNumber=\"16\" xlink:arcrole=\"urn:fdc:mismo.org:2009:residential/LIABILITY_IsAssociatedWith_ROLE\" xlink:from=\"LIABILITY_5\" xlink:to=\"BORROWER_1\"></RELATIONSHIP>\n <RELATIONSHIP SequenceNumber=\"17\" xlink:arcrole=\"urn:fdc:mismo.org:2009:residential/LIABILITY_IsAssociatedWith_ROLE\" xlink:from=\"LIABILITY_5\" xlink:to=\"BORROWER_2\"></RELATIONSHIP>\n <RELATIONSHIP SequenceNumber=\"18\" xlink:arcrole=\"urn:fdc:mismo.org:2009:residential/LIABILITY_IsAssociatedWith_ROLE\" xlink:from=\"LIABILITY_6\" xlink:to=\"BORROWER_1\"></RELATIONSHIP>\n <RELATIONSHIP SequenceNumber=\"19\" xlink:arcrole=\"urn:fdc:mismo.org:2009:residential/LIABILITY_IsAssociatedWith_ROLE\" xlink:from=\"LIABILITY_7\" xlink:to=\"BORROWER_1\"></RELATIONSHIP>\n <RELATIONSHIP SequenceNumber=\"20\" xlink:arcrole=\"urn:fdc:mismo.org:2009:residential/LIABILITY_IsAssociatedWith_ROLE\" xlink:from=\"LIABILITY_7\" xlink:to=\"BORROWER_2\"></RELATIONSHIP>\n </RELATIONSHIPS>\n <SERVICES></SERVICES>\n </DEAL>\n </DEALS>\n </DEAL_SET>\n </DEAL_SETS>\n</MESSAGE>"}
|
| {"test_case_number": 3, "bank_statement": "{\"seed\": \"test-case-3-parsed-from-pdf\", \"override_accounts\": [{\"type\": \"depository\", \"subtype\": \"checking\", \"starting_balance\": 460.05, \"currency\": \"USD\", \"numbers\": {\"account\": \"36155551212\"}, \"transactions\": [{\"date_transacted\": \"2025-07-05\", \"date_posted\": \"2025-07-05\", \"amount\": 150.67, \"description\": \"Withdrawal from COMCAST 8771201 430957880\", \"transaction_id\": \"plaid-3-00001\"}, {\"date_transacted\": \"2025-07-05\", \"date_posted\": \"2025-07-05\", \"amount\": 9.75, \"description\": \"Withdrawal from CAPITAL ONE ONLINE PMT\", \"transaction_id\": \"plaid-3-00002\"}, {\"date_transacted\": \"2025-07-07\", \"date_posted\": \"2025-07-07\", \"amount\": -250.0, \"description\": \"Deposit from 360 Performance Savings XXXXXXX5656\", \"transaction_id\": \"plaid-3-00003\"}, {\"date_transacted\": \"2025-07-28\", \"date_posted\": \"2025-07-28\", \"amount\": -1500.0, \"description\": \"Deposit from 360 Checking XXXXXXX3434\", \"transaction_id\": \"plaid-3-00004\"}, {\"date_transacted\": \"2025-07-28\", \"date_posted\": \"2025-07-28\", \"amount\": 1500.0, \"description\": \"Withdrawal to 360 Performance Savings XXXXXXX5656\", \"transaction_id\": \"plaid-3-00005\"}, {\"date_transacted\": \"2025-07-31\", \"date_posted\": \"2025-07-31\", \"amount\": -0.04, \"description\": \"Monthly Interest Paid\", \"transaction_id\": \"plaid-3-00006\"}]}, {\"type\": \"depository\", \"subtype\": \"checking\", \"starting_balance\": 829.97, \"currency\": \"USD\", \"numbers\": {\"account\": \"36255553434\"}, \"transactions\": [{\"date_transacted\": \"2025-07-01\", \"date_posted\": \"2025-07-01\", \"amount\": 189.24, \"description\": \"Debit Card Purchase - COSTCO WHSE #0371 BLOOMINGDALE, IL US\", \"transaction_id\": \"plaid-3-00007\"}, {\"date_transacted\": \"2025-07-03\", \"date_posted\": \"2025-07-03\", \"amount\": -720.25, \"description\": \"Deposit from NY MTA DIR DEP\", \"transaction_id\": \"plaid-3-00008\"}, {\"date_transacted\": \"2025-07-10\", \"date_posted\": \"2025-07-10\", \"amount\": 178.23, \"description\": \"Debit Card Purchase - COSTCO WHSE #0342 NAPERVILLE, IL US\", \"transaction_id\": \"plaid-3-00009\"}, {\"date_transacted\": \"2025-07-14\", \"date_posted\": \"2025-07-14\", \"amount\": 500.0, \"description\": \"Withdrawal to 360 Performance Savings XXXXXXX7878\", \"transaction_id\": \"plaid-3-00010\"}, {\"date_transacted\": \"2025-07-17\", \"date_posted\": \"2025-07-17\", \"amount\": -541.09, \"description\": \"Deposit from NY MTA DIR DEP\", \"transaction_id\": \"plaid-3-00011\"}, {\"date_transacted\": \"2025-07-17\", \"date_posted\": \"2025-07-17\", \"amount\": 0.99, \"description\": \"Debit Card Purchase - APPLE COM BILL 866 712 7753 CA\", \"transaction_id\": \"plaid-3-00012\"}, {\"date_transacted\": \"2025-07-19\", \"date_posted\": \"2025-07-19\", \"amount\": -750.0, \"description\": \"Deposit from 360 Performance Savings XXXXXXX7878\", \"transaction_id\": \"plaid-3-00013\"}, {\"date_transacted\": \"2025-07-19\", \"date_posted\": \"2025-07-19\", \"amount\": 1500.0, \"description\": \"Withdrawal to 360 Performance Savings XXXXXXX7878\", \"transaction_id\": \"plaid-3-00014\"}, {\"date_transacted\": \"2025-07-25\", \"date_posted\": \"2025-07-25\", \"amount\": -1500.0, \"description\": \"Deposit from CHASE Bank P2P PAYMNT MOM FIRSTIMER Debit Card Purchase - SMITH BROTHERS NAPERVI\", \"transaction_id\": \"plaid-3-00015\"}, {\"date_transacted\": \"2025-07-26\", \"date_posted\": \"2025-07-26\", \"amount\": 46.04, \"description\": \"NAPERVILLE IL\", \"transaction_id\": \"plaid-3-00016\"}, {\"date_transacted\": \"2025-07-28\", \"date_posted\": \"2025-07-28\", \"amount\": 1500.0, \"description\": \"Withdrawal to 360 Checking XXXXXXX1212 Debit Card Purchase - COSTCO WHSE #0342 NAPERVILLE, IL\", \"transaction_id\": \"plaid-3-00017\"}, {\"date_transacted\": \"2025-07-30\", \"date_posted\": \"2025-07-30\", \"amount\": 271.58, \"description\": \"US\", \"transaction_id\": \"plaid-3-00018\"}, {\"date_transacted\": \"2025-07-31\", \"date_posted\": \"2025-07-31\", \"amount\": -681.15, \"description\": \"Deposit from NY MTA DIR DEP\", \"transaction_id\": \"plaid-3-00019\"}, {\"date_transacted\": \"2025-07-31\", \"date_posted\": \"2025-07-31\", \"amount\": -0.08, \"description\": \"Monthly Interest Paid\", \"transaction_id\": \"plaid-3-00020\"}]}, {\"type\": \"depository\", \"subtype\": \"savings\", \"starting_balance\": 275412.72, \"currency\": \"USD\", \"numbers\": {\"account\": \"36177775656\"}, \"transactions\": [{\"date_transacted\": \"2025-07-02\", \"date_posted\": \"2025-07-02\", \"amount\": 12048.2, \"description\": \"Withdrawal to 360 Performance Savings XXXXXXX7878 Preauthorized Deposit from JPMORGAN CHASE BANK, NA\", \"transaction_id\": \"plaid-3-00021\"}, {\"date_transacted\": \"2025-07-03\", \"date_posted\": \"2025-07-03\", \"amount\": -3000.0, \"description\": \"checking account XXXXX1111\", \"transaction_id\": \"plaid-3-00022\"}, {\"date_transacted\": \"2025-07-07\", \"date_posted\": \"2025-07-07\", \"amount\": 250.0, \"description\": \"Withdrawal to 360 Checking XXXXXXX1212\", \"transaction_id\": \"plaid-3-00023\"}, {\"date_transacted\": \"2025-07-14\", \"date_posted\": \"2025-07-14\", \"amount\": 12036.59, \"description\": \"Withdrawal to 360 Performance Savings XXXXXXX7878 Preauthorized Withdrawal to JPMORGAN CHASE BANK, NA\", \"transaction_id\": \"plaid-3-00024\"}, {\"date_transacted\": \"2025-07-17\", \"date_posted\": \"2025-07-17\", \"amount\": 25000.0, \"description\": \"checking account XXXXX2222 Preauthorized Withdrawal to JPMORGAN CHASE BANK, NA\", \"transaction_id\": \"plaid-3-00025\"}, {\"date_transacted\": \"2025-07-22\", \"date_posted\": \"2025-07-22\", \"amount\": 750.0, \"description\": \"checking account XXXXX1111\", \"transaction_id\": \"plaid-3-00026\"}, {\"date_transacted\": \"2025-07-23\", \"date_posted\": \"2025-07-23\", \"amount\": 5.0, \"description\": \"Withdrawal from TrustFunds BUYER CONV\", \"transaction_id\": \"plaid-3-00027\"}, {\"date_transacted\": \"2025-07-23\", \"date_posted\": \"2025-07-23\", \"amount\": 5000.0, \"description\": \"Withdrawal from Coldwell Banker 12114352\", \"transaction_id\": \"plaid-3-00028\"}, {\"date_transacted\": \"2025-07-28\", \"date_posted\": \"2025-07-28\", \"amount\": -1500.0, \"description\": \"Deposit from 360 Checking XXXXXXX1212\", \"transaction_id\": \"plaid-3-00029\"}, {\"date_transacted\": \"2025-07-31\", \"date_posted\": \"2025-07-31\", \"amount\": -867.25, \"description\": \"Monthly Interest Paid\", \"transaction_id\": \"plaid-3-00030\"}]}, {\"type\": \"depository\", \"subtype\": \"savings\", \"starting_balance\": 30333.64, \"currency\": \"USD\", \"numbers\": {\"account\": \"36299997878\"}, \"transactions\": [{\"date_transacted\": \"2025-07-01\", \"date_posted\": \"2025-07-01\", \"amount\": 145.56, \"description\": \"Withdrawal from VERIZON WIRELESS PAYMENTS\", \"transaction_id\": \"plaid-3-00031\"}, {\"date_transacted\": \"2025-07-02\", \"date_posted\": \"2025-07-02\", \"amount\": -12048.2, \"description\": \"Deposit from 360 Performance Savings XXXXXXX5656\", \"transaction_id\": \"plaid-3-00032\"}, {\"date_transacted\": \"2025-07-05\", \"date_posted\": \"2025-07-05\", \"amount\": -1680.6, \"description\": \"Deposit from NY MTA DIR DEP\", \"transaction_id\": \"plaid-3-00033\"}, {\"date_transacted\": \"2025-07-14\", \"date_posted\": \"2025-07-14\", \"amount\": -500.0, \"description\": \"Deposit from 360 Checking XXXXXXX3434\", \"transaction_id\": \"plaid-3-00034\"}, {\"date_transacted\": \"2025-07-14\", \"date_posted\": \"2025-07-14\", \"amount\": -12036.59, \"description\": \"Deposit from 360 Performance Savings XXXXXXX5656\", \"transaction_id\": \"plaid-3-00035\"}, {\"date_transacted\": \"2025-07-15\", \"date_posted\": \"2025-07-15\", \"amount\": 354.61, \"description\": \"Withdrawal from CAPITAL ONE CRCARDPMT\", \"transaction_id\": \"plaid-3-00036\"}, {\"date_transacted\": \"2025-07-15\", \"date_posted\": \"2025-07-15\", \"amount\": 1000.0, \"description\": \"Withdrawal from REMITLY INC REMITTANCE\", \"transaction_id\": \"plaid-3-00037\"}, {\"date_transacted\": \"2025-07-19\", \"date_posted\": \"2025-07-19\", \"amount\": -1262.56, \"description\": \"Deposit from NY MTA DIR DEP\", \"transaction_id\": \"plaid-3-00038\"}, {\"date_transacted\": \"2025-07-19\", \"date_posted\": \"2025-07-19\", \"amount\": 750.0, \"description\": \"Withdrawal to 360 Checking XXXXXXX3434\", \"transaction_id\": \"plaid-3-00039\"}, {\"date_transacted\": \"2025-07-19\", \"date_posted\": \"2025-07-19\", \"amount\": -1500.0, \"description\": \"Deposit from 360 Checking XXXXXXX3434\", \"transaction_id\": \"plaid-3-00040\"}, {\"date_transacted\": \"2025-07-24\", \"date_posted\": \"2025-07-24\", \"amount\": 858.85, \"description\": \"Withdrawal from CAPITAL ONE ONLINE PMT\", \"transaction_id\": \"plaid-3-00041\"}, {\"date_transacted\": \"2025-07-30\", \"date_posted\": \"2025-07-30\", \"amount\": 112.81, \"description\": \"Withdrawal from VERIZON WIRELESS PAYMENTS\", \"transaction_id\": \"plaid-3-00042\"}, {\"date_transacted\": \"2025-07-31\", \"date_posted\": \"2025-07-31\", \"amount\": -178.21, \"description\": \"Monthly Interest Paid\", \"transaction_id\": \"plaid-3-00043\"}]}]}", "ulad_du": "<MESSAGE xmlns=\"http://www.mismo.org/residential/2009/schemas\" xmlns:ULAD=\"http://www.datamodelextension.org/Schema/ULAD\" xmlns:DU=\"http://www.datamodelextension.org/Schema/DU\" xmlns:xlink=\"http://www.w3.org/1999/xlink\" MISMOReferenceModelIdentifier=\"3.4.032420160128\">\n <ABOUT_VERSIONS>\n <ABOUT_VERSION>\n <AboutVersionIdentifier>DU Spec 1.8.5</AboutVersionIdentifier>\n <CreatedDatetime>2025-09-02T15:22:26.622922152Z</CreatedDatetime>\n </ABOUT_VERSION>\n </ABOUT_VERSIONS>\n <DEAL_SETS>\n <DEAL_SET>\n <DEALS>\n <DEAL>\n <ASSETS>\n <ASSET SequenceNumber=\"1\" xlink:label=\"ASSET_1\">\n <ASSET_DETAIL>\n <AssetAccountIdentifier>1212</AssetAccountIdentifier>\n <AssetCashOrMarketValueAmount>549.67</AssetCashOrMarketValueAmount>\n <AssetType>CheckingAccount</AssetType>\n </ASSET_DETAIL>\n <ASSET_HOLDER>\n <NAME>\n <FullName>Capital One</FullName>\n </NAME>\n </ASSET_HOLDER>\n </ASSET>\n <ASSET SequenceNumber=\"2\" xlink:label=\"ASSET_2\">\n <ASSET_DETAIL>\n <AssetAccountIdentifier>5656</AssetAccountIdentifier>\n <AssetCashOrMarketValueAmount>225690.18</AssetCashOrMarketValueAmount>\n <AssetType>SavingsAccount</AssetType>\n </ASSET_DETAIL>\n <ASSET_HOLDER>\n <NAME>\n <FullName>Capital One</FullName>\n </NAME>\n </ASSET_HOLDER>\n </ASSET>\n <ASSET SequenceNumber=\"3\" xlink:label=\"ASSET_3\">\n <ASSET_DETAIL>\n <AssetAccountIdentifier>3434</AssetAccountIdentifier>\n <AssetCashOrMarketValueAmount>836.46</AssetCashOrMarketValueAmount>\n <AssetType>CheckingAccount</AssetType>\n </ASSET_DETAIL>\n <ASSET_HOLDER>\n <NAME>\n <FullName>Capital One</FullName>\n </NAME>\n </ASSET_HOLDER>\n </ASSET>\n <ASSET SequenceNumber=\"4\" xlink:label=\"ASSET_4\">\n <ASSET_DETAIL>\n <AssetAccountIdentifier>7878</AssetAccountIdentifier>\n <AssetCashOrMarketValueAmount>56317.97</AssetCashOrMarketValueAmount>\n <AssetType>SavingsAccount</AssetType>\n </ASSET_DETAIL>\n <ASSET_HOLDER>\n <NAME>\n <FullName>Capital One</FullName>\n </NAME>\n </ASSET_HOLDER>\n </ASSET>\n </ASSETS>\n <COLLATERALS>\n <COLLATERAL>\n <SUBJECT_PROPERTY>\n <ADDRESS>\n <AddressLineText>1011 Brookside Ave</AddressLineText>\n <CityName>Asbury Park</CityName>\n <CountryCode>US</CountryCode>\n <PostalCode>07712</PostalCode>\n <StateCode>NJ</StateCode>\n </ADDRESS>\n <LOCATION_IDENTIFIER>\n <FIPS_INFORMATION>\n <FIPSCountyCode>025</FIPSCountyCode>\n <FIPSStateNumericCode>34</FIPSStateNumericCode>\n </FIPS_INFORMATION>\n </LOCATION_IDENTIFIER>\n <PROPERTY_DETAIL>\n <AttachmentType>Detached</AttachmentType>\n <CommunityPropertyStateIndicator>false</CommunityPropertyStateIndicator>\n <ConstructionMethodType>SiteBuilt</ConstructionMethodType>\n <FHASecondaryResidenceIndicator>false</FHASecondaryResidenceIndicator>\n <FinancedUnitCount>1</FinancedUnitCount>\n <PropertyEstateType>FeeSimple</PropertyEstateType>\n <PropertyEstimatedValueAmount>1000000.00</PropertyEstimatedValueAmount>\n <PropertyExistingCleanEnergyLienIndicator>false</PropertyExistingCleanEnergyLienIndicator>\n <PropertyInProjectIndicator>false</PropertyInProjectIndicator>\n <PropertyMixedUsageIndicator>false</PropertyMixedUsageIndicator>\n <PUDIndicator>false</PUDIndicator>\n </PROPERTY_DETAIL>\n <PROPERTY_VALUATIONS>\n <PROPERTY_VALUATION>\n <PROPERTY_VALUATION_DETAIL>\n <PropertyValuationAmount>1000000.00</PropertyValuationAmount>\n </PROPERTY_VALUATION_DETAIL>\n </PROPERTY_VALUATION>\n </PROPERTY_VALUATIONS>\n <SALES_CONTRACTS>\n <SALES_CONTRACT>\n <SALES_CONTRACT_DETAIL>\n <SalesContractAmount>1000000.00</SalesContractAmount>\n </SALES_CONTRACT_DETAIL>\n </SALES_CONTRACT>\n </SALES_CONTRACTS>\n </SUBJECT_PROPERTY>\n </COLLATERAL>\n </COLLATERALS>\n <LIABILITIES>\n <LIABILITY SequenceNumber=\"1\" xlink:label=\"LIABILITY_1\">\n <LIABILITY_DETAIL>\n <LiabilityAccountIdentifier>3563A019732</LiabilityAccountIdentifier>\n <LiabilityExclusionIndicator>false</LiabilityExclusionIndicator>\n <LiabilityMonthlyPaymentAmount>123.00</LiabilityMonthlyPaymentAmount>\n <LiabilityPayoffStatusIndicator>false</LiabilityPayoffStatusIndicator>\n <LiabilityRemainingTermMonthsCount>5</LiabilityRemainingTermMonthsCount>\n <LiabilityType>Installment</LiabilityType>\n <LiabilityUnpaidBalanceAmount>2600.00</LiabilityUnpaidBalanceAmount>\n </LIABILITY_DETAIL>\n <LIABILITY_HOLDER>\n <NAME>\n <FullName>MOUNTAIN BANK</FullName>\n </NAME>\n </LIABILITY_HOLDER>\n </LIABILITY>\n <LIABILITY SequenceNumber=\"2\" xlink:label=\"LIABILITY_2\">\n <LIABILITY_DETAIL>\n <LiabilityAccountIdentifier>98E543184</LiabilityAccountIdentifier>\n <LiabilityExclusionIndicator>false</LiabilityExclusionIndicator>\n <LiabilityMonthlyPaymentAmount>44.00</LiabilityMonthlyPaymentAmount>\n <LiabilityPayoffStatusIndicator>false</LiabilityPayoffStatusIndicator>\n <LiabilityType>Revolving</LiabilityType>\n <LiabilityUnpaidBalanceAmount>437.00</LiabilityUnpaidBalanceAmount>\n </LIABILITY_DETAIL>\n <LIABILITY_HOLDER>\n <NAME>\n <FullName>HEMLOCKS</FullName>\n </NAME>\n </LIABILITY_HOLDER>\n </LIABILITY>\n </LIABILITIES>\n <LOANS>\n <LOAN SequenceNumber=\"1\" LoanRoleType=\"SubjectLoan\" xlink:label=\"LOAN_1\">\n <AFFORDABLE_LENDING></AFFORDABLE_LENDING>\n <CLOSING_INFORMATION>\n <CLOSING_ADJUSTMENT_ITEMS></CLOSING_ADJUSTMENT_ITEMS>\n <CLOSING_INFORMATION_DETAIL></CLOSING_INFORMATION_DETAIL>\n </CLOSING_INFORMATION>\n <DOCUMENT_SPECIFIC_DATA_SETS>\n <DOCUMENT_SPECIFIC_DATA_SET>\n <URLA>\n <URLA_DETAIL></URLA_DETAIL>\n </URLA>\n </DOCUMENT_SPECIFIC_DATA_SET>\n </DOCUMENT_SPECIFIC_DATA_SETS>\n <HOUSING_EXPENSES></HOUSING_EXPENSES>\n <LOAN_DETAIL>\n <BalloonIndicator>false</BalloonIndicator>\n <BelowMarketSubordinateFinancingIndicator>false</BelowMarketSubordinateFinancingIndicator>\n <BorrowerCount>1</BorrowerCount>\n <BuydownTemporarySubsidyFundingIndicator>false</BuydownTemporarySubsidyFundingIndicator>\n <ConstructionLoanIndicator>false</ConstructionLoanIndicator>\n <EnergyRelatedImprovementsIndicator>false</EnergyRelatedImprovementsIndicator>\n <InterestOnlyIndicator>false</InterestOnlyIndicator>\n <NegativeAmortizationIndicator>false</NegativeAmortizationIndicator>\n <PrepaymentPenaltyIndicator>false</PrepaymentPenaltyIndicator>\n <RenovationLoanIndicator>false</RenovationLoanIndicator>\n <TotalMortgagedPropertiesCount>1</TotalMortgagedPropertiesCount>\n </LOAN_DETAIL>\n <LOAN_IDENTIFIERS>\n <LOAN_IDENTIFIER>\n <LoanIdentifier>84192307554</LoanIdentifier>\n <LoanIdentifierType>UniversalLoan</LoanIdentifierType>\n </LOAN_IDENTIFIER>\n </LOAN_IDENTIFIERS>\n <ORIGINATION_SYSTEMS>\n <ORIGINATION_SYSTEM>\n <LoanOriginationSystemName>TidalWave SOLO</LoanOriginationSystemName>\n <LoanOriginationSystemVendorIdentifier>TidalWave</LoanOriginationSystemVendorIdentifier>\n <LoanOriginationSystemVersionIdentifier>1.0</LoanOriginationSystemVersionIdentifier>\n </ORIGINATION_SYSTEM>\n </ORIGINATION_SYSTEMS>\n <PURCHASE_CREDITS>\n <PURCHASE_CREDIT>\n <PurchaseCreditAmount>5000.00</PurchaseCreditAmount>\n <PurchaseCreditType>EarnestMoney</PurchaseCreditType>\n </PURCHASE_CREDIT>\n </PURCHASE_CREDITS>\n <TERMS_OF_LOAN>\n <BaseLoanAmount>800000.00</BaseLoanAmount>\n <LienPriorityType>FirstLien</LienPriorityType>\n <LoanPurposeType>Purchase</LoanPurposeType>\n <MortgageType>Conventional</MortgageType>\n <NoteRatePercent>0.000</NoteRatePercent>\n </TERMS_OF_LOAN>\n </LOAN>\n </LOANS>\n <PARTIES>\n <PARTY>\n <INDIVIDUAL>\n <CONTACT_POINTS>\n <CONTACT_POINT>\n <CONTACT_POINT_TELEPHONE>\n <ContactPointTelephoneValue>9999999999</ContactPointTelephoneValue>\n </CONTACT_POINT_TELEPHONE>\n <CONTACT_POINT_DETAIL>\n <ContactPointRoleType>Mobile</ContactPointRoleType>\n </CONTACT_POINT_DETAIL>\n </CONTACT_POINT>\n <CONTACT_POINT>\n <CONTACT_POINT_EMAIL>\n <ContactPointEmailValue>drindner+alice1@tidalhq.com</ContactPointEmailValue>\n </CONTACT_POINT_EMAIL>\n </CONTACT_POINT>\n </CONTACT_POINTS>\n <NAME>\n <FirstName>Alice</FirstName>\n <LastName>Firstimer</LastName>\n </NAME>\n </INDIVIDUAL>\n <ROLES>\n <ROLE SequenceNumber=\"1\" xlink:label=\"BORROWER_1\">\n <BORROWER>\n <BORROWER_DETAIL>\n <BorrowerBirthDate>2000-01-01</BorrowerBirthDate>\n <CommunityPropertyStateResidentIndicator>false</CommunityPropertyStateResidentIndicator>\n <DependentCount>0</DependentCount>\n <MaritalStatusType>Unmarried</MaritalStatusType>\n </BORROWER_DETAIL>\n <CURRENT_INCOME>\n <CURRENT_INCOME_ITEMS>\n <CURRENT_INCOME_ITEM SequenceNumber=\"1\" xlink:label=\"CURRENT_INCOME_ITEM_1_1\">\n <CURRENT_INCOME_ITEM_DETAIL>\n <CurrentIncomeMonthlyTotalAmount>6678</CurrentIncomeMonthlyTotalAmount>\n <EmploymentIncomeIndicator>true</EmploymentIncomeIndicator>\n <IncomeType>Base</IncomeType>\n </CURRENT_INCOME_ITEM_DETAIL>\n </CURRENT_INCOME_ITEM>\n </CURRENT_INCOME_ITEMS>\n </CURRENT_INCOME>\n <DECLARATION>\n <DECLARATION_DETAIL>\n <BankruptcyIndicator>false</BankruptcyIndicator>\n <CitizenshipResidencyType>USCitizen</CitizenshipResidencyType>\n <HomeownerPastThreeYearsType>No</HomeownerPastThreeYearsType>\n <IntentToOccupyType>Yes</IntentToOccupyType>\n <OutstandingJudgmentsIndicator>false</OutstandingJudgmentsIndicator>\n <PartyToLawsuitIndicator>false</PartyToLawsuitIndicator>\n <PresentlyDelinquentIndicator>false</PresentlyDelinquentIndicator>\n <PriorPropertyDeedInLieuConveyedIndicator>false</PriorPropertyDeedInLieuConveyedIndicator>\n <PriorPropertyForeclosureCompletedIndicator>false</PriorPropertyForeclosureCompletedIndicator>\n <PriorPropertyShortSaleCompletedIndicator>false</PriorPropertyShortSaleCompletedIndicator>\n <PropertyProposedCleanEnergyLienIndicator>false</PropertyProposedCleanEnergyLienIndicator>\n <UndisclosedBorrowedFundsIndicator>false</UndisclosedBorrowedFundsIndicator>\n <UndisclosedComakerOfNoteIndicator>false</UndisclosedComakerOfNoteIndicator>\n <UndisclosedCreditApplicationIndicator>false</UndisclosedCreditApplicationIndicator>\n <UndisclosedMortgageApplicationIndicator>false</UndisclosedMortgageApplicationIndicator>\n <EXTENSION>\n <OTHER>\n <ULAD:DECLARATION_DETAIL_EXTENSION>\n <ULAD:SpecialBorrowerSellerRelationshipIndicator>false</ULAD:SpecialBorrowerSellerRelationshipIndicator>\n </ULAD:DECLARATION_DETAIL_EXTENSION>\n </OTHER>\n </EXTENSION>\n </DECLARATION_DETAIL>\n </DECLARATION>\n <DEPENDENTS></DEPENDENTS>\n <EMPLOYERS>\n <EMPLOYER SequenceNumber=\"1\" xlink:label=\"EMPLOYER_1_1\">\n <LEGAL_ENTITY>\n <LEGAL_ENTITY_DETAIL>\n <FullName>NY MTA</FullName>\n </LEGAL_ENTITY_DETAIL>\n </LEGAL_ENTITY>\n <EMPLOYMENT>\n <EmploymentBorrowerSelfEmployedIndicator>false</EmploymentBorrowerSelfEmployedIndicator>\n <EmploymentClassificationType>Secondary</EmploymentClassificationType>\n <EmploymentPositionDescription>Worker</EmploymentPositionDescription>\n <EmploymentStartDate>2000-01-01</EmploymentStartDate>\n <EmploymentStatusType>Current</EmploymentStatusType>\n <EmploymentTimeInLineOfWorkMonthsCount>120</EmploymentTimeInLineOfWorkMonthsCount>\n <SpecialBorrowerEmployerRelationshipIndicator>false</SpecialBorrowerEmployerRelationshipIndicator>\n <EXTENSION>\n <OTHER>\n <DU:EMPLOYMENT_EXTENSION>\n <DU:ForeignIncomeIndicator>false</DU:ForeignIncomeIndicator>\n <DU:SeasonalIncomeIndicator>false</DU:SeasonalIncomeIndicator>\n </DU:EMPLOYMENT_EXTENSION>\n </OTHER>\n </EXTENSION>\n </EMPLOYMENT>\n </EMPLOYER>\n </EMPLOYERS>\n <GOVERNMENT_BORROWER></GOVERNMENT_BORROWER>\n <GOVERNMENT_MONITORING>\n <GOVERNMENT_MONITORING_DETAIL>\n <HMDAEthnicityCollectedBasedOnVisualObservationOrSurnameIndicator>false</HMDAEthnicityCollectedBasedOnVisualObservationOrSurnameIndicator>\n <HMDAEthnicityRefusalIndicator>false</HMDAEthnicityRefusalIndicator>\n <HMDAGenderCollectedBasedOnVisualObservationOrNameIndicator>false</HMDAGenderCollectedBasedOnVisualObservationOrNameIndicator>\n <HMDAGenderRefusalIndicator>false</HMDAGenderRefusalIndicator>\n <HMDARaceCollectedBasedOnVisualObservationOrSurnameIndicator>false</HMDARaceCollectedBasedOnVisualObservationOrSurnameIndicator>\n <HMDARaceRefusalIndicator>false</HMDARaceRefusalIndicator>\n <EXTENSION>\n <OTHER>\n <ULAD:GOVERNMENT_MONITORING_DETAIL_EXTENSION></ULAD:GOVERNMENT_MONITORING_DETAIL_EXTENSION>\n </OTHER>\n </EXTENSION>\n </GOVERNMENT_MONITORING_DETAIL>\n </GOVERNMENT_MONITORING>\n <RESIDENCES>\n <RESIDENCE>\n <ADDRESS>\n <AddressLineText>9991 Warford St</AddressLineText>\n <CityName>Dawson</CityName>\n <CountryCode>US</CountryCode>\n <PostalCode>50066</PostalCode>\n <StateCode>IA</StateCode>\n </ADDRESS>\n <LANDLORD>\n <LANDLORD_DETAIL>\n <MonthlyRentAmount>3000.00</MonthlyRentAmount>\n </LANDLORD_DETAIL>\n </LANDLORD>\n <RESIDENCE_DETAIL>\n <BorrowerResidencyBasisType>Rent</BorrowerResidencyBasisType>\n <BorrowerResidencyDurationMonthsCount>120</BorrowerResidencyDurationMonthsCount>\n <BorrowerResidencyType>Current</BorrowerResidencyType>\n </RESIDENCE_DETAIL>\n </RESIDENCE>\n </RESIDENCES>\n </BORROWER>\n <ROLE_DETAIL>\n <PartyRoleType>Borrower</PartyRoleType>\n </ROLE_DETAIL>\n </ROLE>\n </ROLES>\n <TAXPAYER_IDENTIFIERS>\n <TAXPAYER_IDENTIFIER>\n <TaxpayerIdentifierType>SocialSecurityNumber</TaxpayerIdentifierType>\n <TaxpayerIdentifierValue>991919991</TaxpayerIdentifierValue>\n </TAXPAYER_IDENTIFIER>\n </TAXPAYER_IDENTIFIERS>\n </PARTY>\n <PARTY>\n <INDIVIDUAL>\n <NAME></NAME>\n </INDIVIDUAL>\n <ROLES>\n <ROLE SequenceNumber=\"1\" xlink:label=\"PROPERTY_OWNER_1\">\n <PROPERTY_OWNER>\n <PropertyOwnerStatusType>Proposed</PropertyOwnerStatusType>\n </PROPERTY_OWNER>\n <ROLE_DETAIL>\n <PartyRoleType>PropertyOwner</PartyRoleType>\n </ROLE_DETAIL>\n </ROLE>\n </ROLES>\n </PARTY>\n </PARTIES>\n <RELATIONSHIPS>\n <RELATIONSHIP SequenceNumber=\"1\" xlink:arcrole=\"urn:fdc:mismo.org:2009:residential/CURRENT_INCOME_ITEM_IsAssociatedWith_EMPLOYER\" xlink:from=\"CURRENT_INCOME_ITEM_1_1\" xlink:to=\"EMPLOYER_1_1\"></RELATIONSHIP>\n <RELATIONSHIP SequenceNumber=\"2\" xlink:arcrole=\"urn:fdc:mismo.org:2009:residential/ASSET_IsAssociatedWith_ROLE\" xlink:from=\"ASSET_1\" xlink:to=\"BORROWER_1\"></RELATIONSHIP>\n <RELATIONSHIP SequenceNumber=\"3\" xlink:arcrole=\"urn:fdc:mismo.org:2009:residential/ASSET_IsAssociatedWith_ROLE\" xlink:from=\"ASSET_2\" xlink:to=\"BORROWER_1\"></RELATIONSHIP>\n <RELATIONSHIP SequenceNumber=\"4\" xlink:arcrole=\"urn:fdc:mismo.org:2009:residential/ASSET_IsAssociatedWith_ROLE\" xlink:from=\"ASSET_3\" xlink:to=\"BORROWER_1\"></RELATIONSHIP>\n <RELATIONSHIP SequenceNumber=\"5\" xlink:arcrole=\"urn:fdc:mismo.org:2009:residential/ASSET_IsAssociatedWith_ROLE\" xlink:from=\"ASSET_4\" xlink:to=\"BORROWER_1\"></RELATIONSHIP>\n <RELATIONSHIP SequenceNumber=\"6\" xlink:arcrole=\"urn:fdc:mismo.org:2009:residential/LIABILITY_IsAssociatedWith_ROLE\" xlink:from=\"LIABILITY_1\" xlink:to=\"BORROWER_1\"></RELATIONSHIP>\n <RELATIONSHIP SequenceNumber=\"7\" xlink:arcrole=\"urn:fdc:mismo.org:2009:residential/LIABILITY_IsAssociatedWith_ROLE\" xlink:from=\"LIABILITY_2\" xlink:to=\"BORROWER_1\"></RELATIONSHIP>\n </RELATIONSHIPS>\n <SERVICES></SERVICES>\n </DEAL>\n </DEALS>\n </DEAL_SET>\n </DEAL_SETS>\n</MESSAGE>"}
|
| {"test_case_number": 4, "bank_statement": "{\"plaid_files\": [{\"seed\": \"pp-lp-platypus-4acct-final-affirm-credit-001\", \"override_accounts\": [{\"type\": \"depository\", \"subtype\": \"checking\", \"starting_balance\": 205600, \"currency\": \"USD\", \"numbers\": {\"account\": \"001122334411\"}, \"transactions\": [{\"date_transacted\": \"2025-06-30\", \"date_posted\": \"2025-07-01\", \"amount\": 92.44, \"description\": \"ONLINE BILL PAY - BALTIMORE CITY WATER\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00001\"}, {\"date_transacted\": \"2025-07-01\", \"date_posted\": \"2025-07-02\", \"amount\": 132.18, \"description\": \"SAFEWAY #312 BALTIMORE MD\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00002\"}, {\"date_transacted\": \"2025-07-02\", \"date_posted\": \"2025-07-03\", \"amount\": 14.25, \"description\": \"STARBUCKS #4457 BALTIMORE MD\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00003\"}, {\"date_transacted\": \"2025-07-04\", \"date_posted\": \"2025-07-05\", \"amount\": 2400, \"description\": \"ZELLE PAYMENT - JULY RENT\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00004\"}, {\"date_transacted\": \"2025-07-06\", \"date_posted\": \"2025-07-07\", \"amount\": 129.99, \"description\": \"VERIZON WIRELESS AUTO-PAY\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00005\"}, {\"date_transacted\": \"2025-07-08\", \"date_posted\": \"2025-07-09\", \"amount\": -1850, \"description\": \"ACH CREDIT PAYROLL - AAA INC\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00006\"}, {\"date_transacted\": \"2025-07-09\", \"date_posted\": \"2025-07-10\", \"amount\": 746, \"description\": \"ACH DEBIT - ACE MORTGAGE PAYMENT\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00007\"}, {\"date_transacted\": \"2025-07-09\", \"date_posted\": \"2025-07-10\", \"amount\": 233, \"description\": \"ACH DEBIT - BEST MORTGAGE PAYMENT\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00008\"}, {\"date_transacted\": \"2025-07-10\", \"date_posted\": \"2025-07-11\", \"amount\": 245, \"description\": \"ACH DEBIT - ENLIGHTENED BANK LOAN PAYMENT\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00009\"}, {\"date_transacted\": \"2025-07-11\", \"date_posted\": \"2025-07-12\", \"amount\": -3000, \"description\": \"ACH CREDIT - COMMUNITY SAVINGS CLUB FUNDS\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00010\"}, {\"date_transacted\": \"2025-07-12\", \"date_posted\": \"2025-07-13\", \"amount\": 89, \"description\": \"ACH DEBIT - AFFIRM PAYMENTS INC\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00011\"}, {\"date_transacted\": \"2025-07-13\", \"date_posted\": \"2025-07-14\", \"amount\": 125, \"description\": \"ACH DEBIT - MERRY CREDIT CARD PAYMENT\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00012\"}, {\"date_transacted\": \"2025-07-14\", \"date_posted\": \"2025-07-15\", \"amount\": 95, \"description\": \"ACH DEBIT - NO NONSENSE CREDIT CARD PAYMENT\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00013\"}, {\"date_transacted\": \"2025-07-19\", \"date_posted\": \"2025-07-20\", \"amount\": 42.3, \"description\": \"UBER TRIP HELP.UBER.COM\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00014\"}, {\"date_transacted\": \"2025-07-24\", \"date_posted\": \"2025-07-25\", \"amount\": -2500, \"description\": \"ACH CREDIT - BEFOREPAY\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00015\"}, {\"date_transacted\": \"2025-07-30\", \"date_posted\": \"2025-07-31\", \"amount\": -1850, \"description\": \"ACH CREDIT PAYROLL - AAA INC\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00016\"}, {\"date_transacted\": \"2025-07-31\", \"date_posted\": \"2025-08-01\", \"amount\": 2400, \"description\": \"ZELLE PAYMENT - AUGUST RENT\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00017\"}, {\"date_transacted\": \"2025-08-02\", \"date_posted\": \"2025-08-03\", \"amount\": 92.18, \"description\": \"PEPCO ELECTRIC ONLINE BILL PAY\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00018\"}, {\"date_transacted\": \"2025-08-04\", \"date_posted\": \"2025-08-05\", \"amount\": 129.99, \"description\": \"VERIZON WIRELESS AUTO-PAY\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00019\"}, {\"date_transacted\": \"2025-08-08\", \"date_posted\": \"2025-08-09\", \"amount\": -1850, \"description\": \"ACH CREDIT PAYROLL - AAA INC\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00020\"}, {\"date_transacted\": \"2025-08-09\", \"date_posted\": \"2025-08-10\", \"amount\": 746, \"description\": \"ACH DEBIT - ACE MORTGAGE PAYMENT\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00021\"}, {\"date_transacted\": \"2025-08-09\", \"date_posted\": \"2025-08-10\", \"amount\": 233, \"description\": \"ACH DEBIT - BEST MORTGAGE PAYMENT\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00022\"}, {\"date_transacted\": \"2025-08-10\", \"date_posted\": \"2025-08-11\", \"amount\": 245, \"description\": \"ACH DEBIT - ENLIGHTENED BANK LOAN PAYMENT\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00023\"}, {\"date_transacted\": \"2025-08-11\", \"date_posted\": \"2025-08-12\", \"amount\": -3000, \"description\": \"ACH CREDIT - COMMUNITY SAVINGS CLUB FUNDS\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00024\"}, {\"date_transacted\": \"2025-08-12\", \"date_posted\": \"2025-08-13\", \"amount\": 89, \"description\": \"ACH DEBIT - AFFIRM PAYMENTS INC\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00025\"}, {\"date_transacted\": \"2025-08-13\", \"date_posted\": \"2025-08-14\", \"amount\": 125, \"description\": \"ACH DEBIT - MERRY CREDIT CARD PAYMENT\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00026\"}, {\"date_transacted\": \"2025-08-14\", \"date_posted\": \"2025-08-15\", \"amount\": 95, \"description\": \"ACH DEBIT - NO NONSENSE CREDIT CARD PAYMENT\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00027\"}, {\"date_transacted\": \"2025-08-17\", \"date_posted\": \"2025-08-18\", \"amount\": -25000, \"description\": \"INTL WIRE IN CREDIT - FOREIGN FUNDS TRANSFER\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00028\"}, {\"date_transacted\": \"2025-08-19\", \"date_posted\": \"2025-08-20\", \"amount\": -3000, \"description\": \"ACH CREDIT - COMMUNITY SAVINGS CLUB FUNDS\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00029\"}, {\"date_transacted\": \"2025-08-30\", \"date_posted\": \"2025-08-31\", \"amount\": -1850, \"description\": \"ACH CREDIT PAYROLL - AAA INC\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00030\"}], \"identity\": {\"names\": [\"Patrick Purchaser\", \"Lorraine Purchaser\"], \"addresses\": [{\"primary\": true, \"data\": {\"country\": \"US\", \"city\": \"Baltimore\", \"street\": \"1234 Main St\", \"postal_code\": \"20600\", \"region\": \"MD\"}}]}}, {\"type\": \"depository\", \"subtype\": \"savings\", \"starting_balance\": 54500, \"currency\": \"USD\", \"numbers\": {\"account\": \"001122335522\"}, \"transactions\": [{\"date_transacted\": \"2025-06-30\", \"date_posted\": \"2025-07-01\", \"amount\": -6.75, \"description\": \"INTEREST CREDIT\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00031\"}, {\"date_transacted\": \"2025-07-14\", \"date_posted\": \"2025-07-15\", \"amount\": -500, \"description\": \"ONLINE TRANSFER FROM CHECKING\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00032\"}, {\"date_transacted\": \"2025-07-30\", \"date_posted\": \"2025-07-31\", \"amount\": -6.9, \"description\": \"INTEREST CREDIT\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00033\"}, {\"date_transacted\": \"2025-07-31\", \"date_posted\": \"2025-08-01\", \"amount\": -7.05, \"description\": \"INTEREST CREDIT\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00034\"}, {\"date_transacted\": \"2025-08-19\", \"date_posted\": \"2025-08-20\", \"amount\": -1000, \"description\": \"ONLINE TRANSFER FROM CHECKING\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00035\"}, {\"date_transacted\": \"2025-08-30\", \"date_posted\": \"2025-08-31\", \"amount\": -7.25, \"description\": \"INTEREST CREDIT\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00036\"}], \"identity\": {\"names\": [\"Patrick Purchaser\", \"Lorraine Purchaser\"]}}, {\"type\": \"investment\", \"subtype\": \"utma\", \"starting_balance\": 15000, \"currency\": \"USD\", \"numbers\": {\"account\": \"001122337788\"}, \"transactions\": [{\"date_transacted\": \"2025-06-30\", \"date_posted\": \"2025-07-01\", \"amount\": -4.5, \"description\": \"INTEREST CREDIT\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00037\"}, {\"date_transacted\": \"2025-07-13\", \"date_posted\": \"2025-07-14\", \"amount\": -150, \"description\": \"ONLINE TRANSFER FROM CHECKING\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00038\"}, {\"date_transacted\": \"2025-07-30\", \"date_posted\": \"2025-07-31\", \"amount\": -4.65, \"description\": \"INTEREST CREDIT\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00039\"}, {\"date_transacted\": \"2025-07-31\", \"date_posted\": \"2025-08-01\", \"amount\": -4.7, \"description\": \"INTEREST CREDIT\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00040\"}, {\"date_transacted\": \"2025-08-09\", \"date_posted\": \"2025-08-10\", \"amount\": -100, \"description\": \"ONLINE TRANSFER FROM CHECKING\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00041\"}, {\"date_transacted\": \"2025-08-30\", \"date_posted\": \"2025-08-31\", \"amount\": -4.85, \"description\": \"INTEREST CREDIT\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00042\"}], \"identity\": {\"names\": [\"Patrick Purchaser, as custodian for Jordan Purchaser\"]}}]}, {\"seed\": \"pp-lp-tartan-4acct-final-affirm-001\", \"override_accounts\": [{\"type\": \"depository\", \"subtype\": \"checking\", \"starting_balance\": 90200, \"currency\": \"USD\", \"numbers\": {\"account\": \"556677889921\"}, \"transactions\": [{\"date_transacted\": \"2025-06-30\", \"date_posted\": \"2025-07-01\", \"amount\": 85.4, \"description\": \"SHELL FLEET CARD 8821 BALTIMORE MD\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00043\"}, {\"date_transacted\": \"2025-07-01\", \"date_posted\": \"2025-07-02\", \"amount\": 225, \"description\": \"ADOBE CLOUD BUSINESS SUBSCRIPTION\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00044\"}, {\"date_transacted\": \"2025-07-02\", \"date_posted\": \"2025-07-03\", \"amount\": 42.33, \"description\": \"RESTAURANT POS - PANERA BREAD #7742\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00045\"}, {\"date_transacted\": \"2025-07-04\", \"date_posted\": \"2025-07-05\", \"amount\": 312.17, \"description\": \"SHELL COMMERCIAL FUEL #8821\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00046\"}, {\"date_transacted\": \"2025-07-06\", \"date_posted\": \"2025-07-07\", \"amount\": 149.99, \"description\": \"AMAZON BUSINESS PRIME MEMBERSHIP\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00047\"}, {\"date_transacted\": \"2025-07-07\", \"date_posted\": \"2025-07-08\", \"amount\": -5200, \"description\": \"ACH CREDIT - CUSTOMER PAYMENT INV #1042\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00048\"}, {\"date_transacted\": \"2025-07-08\", \"date_posted\": \"2025-07-09\", \"amount\": 94.6, \"description\": \"STAPLES STORE #220 BALTIMORE MD\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00049\"}, {\"date_transacted\": \"2025-07-09\", \"date_posted\": \"2025-07-10\", \"amount\": 63.2, \"description\": \"UBER TRIP - CLIENT VISIT\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00050\"}, {\"date_transacted\": \"2025-07-11\", \"date_posted\": \"2025-07-12\", \"amount\": 1800, \"description\": \"ONLINE TRANSFER TO JOINT SAVINGS\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00051\"}, {\"date_transacted\": \"2025-07-12\", \"date_posted\": \"2025-07-13\", \"amount\": 1450, \"description\": \"ACH DEBIT - CONTRACTOR PAYOUTS\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00052\"}, {\"date_transacted\": \"2025-07-14\", \"date_posted\": \"2025-07-15\", \"amount\": 58.42, \"description\": \"OFFICE DEPOT #441 BALTIMORE MD\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00053\"}, {\"date_transacted\": \"2025-07-15\", \"date_posted\": \"2025-07-16\", \"amount\": 75.2, \"description\": \"RESTAURANT POS - CHIPOTLE BUSINESS LUNCH\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00054\"}, {\"date_transacted\": \"2025-07-17\", \"date_posted\": \"2025-07-18\", \"amount\": 96.21, \"description\": \"UPS SHIPPING CENTER #771\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00055\"}, {\"date_transacted\": \"2025-07-21\", \"date_posted\": \"2025-07-22\", \"amount\": 84.18, \"description\": \"BEST BUY #1204 SMALL EQUIPMENT\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00056\"}, {\"date_transacted\": \"2025-07-24\", \"date_posted\": \"2025-07-25\", \"amount\": 225, \"description\": \"ADOBE CLOUD BUSINESS SUBSCRIPTION\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00057\"}, {\"date_transacted\": \"2025-07-28\", \"date_posted\": \"2025-07-29\", \"amount\": -3800, \"description\": \"ACH CREDIT - CUSTOMER PAYMENT INV #1043\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00058\"}, {\"date_transacted\": \"2025-07-29\", \"date_posted\": \"2025-07-30\", \"amount\": 142.55, \"description\": \"WALMART BUSINESS SUPPLY\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00059\"}, {\"date_transacted\": \"2025-07-31\", \"date_posted\": \"2025-08-01\", \"amount\": 2400, \"description\": \"ACH DEBIT - BUSINESS RENT\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00060\"}, {\"date_transacted\": \"2025-08-01\", \"date_posted\": \"2025-08-02\", \"amount\": 129, \"description\": \"ZOOM PRO BUSINESS SUBSCRIPTION\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00061\"}, {\"date_transacted\": \"2025-08-02\", \"date_posted\": \"2025-08-03\", \"amount\": 88.7, \"description\": \"SHELL FLEET CARD 8821 BALTIMORE MD\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00062\"}, {\"date_transacted\": \"2025-08-04\", \"date_posted\": \"2025-08-05\", \"amount\": 420.18, \"description\": \"UPS SHIPPING CENTER #771\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00063\"}, {\"date_transacted\": \"2025-08-05\", \"date_posted\": \"2025-08-06\", \"amount\": 52.3, \"description\": \"RESTAURANT POS - SUBWAY BUSINESS LUNCH\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00064\"}, {\"date_transacted\": \"2025-08-07\", \"date_posted\": \"2025-08-08\", \"amount\": 950, \"description\": \"ACH DEBIT - CONTRACTOR PAYOUTS\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00065\"}, {\"date_transacted\": \"2025-08-09\", \"date_posted\": \"2025-08-10\", \"amount\": 36.8, \"description\": \"UBER TRIP - CLIENT MEETING\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00066\"}, {\"date_transacted\": \"2025-08-11\", \"date_posted\": \"2025-08-12\", \"amount\": 420.18, \"description\": \"UPS SHIPPING CENTER #771\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00067\"}, {\"date_transacted\": \"2025-08-12\", \"date_posted\": \"2025-08-13\", \"amount\": 88.4, \"description\": \"STAPLES STORE #220 BALTIMORE MD\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00068\"}, {\"date_transacted\": \"2025-08-14\", \"date_posted\": \"2025-08-15\", \"amount\": -6100, \"description\": \"ACH CREDIT - CUSTOMER PAYMENT INV #1044\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00069\"}, {\"date_transacted\": \"2025-08-16\", \"date_posted\": \"2025-08-17\", \"amount\": 129, \"description\": \"ZOOM PRO BUSINESS SUBSCRIPTION\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00070\"}, {\"date_transacted\": \"2025-08-17\", \"date_posted\": \"2025-08-18\", \"amount\": 68.22, \"description\": \"OFFICE DEPOT #441 BALTIMORE MD\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00071\"}, {\"date_transacted\": \"2025-08-19\", \"date_posted\": \"2025-08-20\", \"amount\": 1800, \"description\": \"ONLINE TRANSFER TO JOINT SAVINGS\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00072\"}, {\"date_transacted\": \"2025-08-20\", \"date_posted\": \"2025-08-21\", \"amount\": 49.99, \"description\": \"GOOGLE WORKSPACE BUSINESS APPS\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00073\"}, {\"date_transacted\": \"2025-08-21\", \"date_posted\": \"2025-08-22\", \"amount\": 225, \"description\": \"ADOBE CLOUD BUSINESS SUBSCRIPTION\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00074\"}, {\"date_transacted\": \"2025-08-22\", \"date_posted\": \"2025-08-23\", \"amount\": 72.15, \"description\": \"RESTAURANT POS - PANERA BREAD #7742\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00075\"}, {\"date_transacted\": \"2025-08-24\", \"date_posted\": \"2025-08-25\", \"amount\": 95, \"description\": \"FEDEX EXPRESS #4411\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00076\"}, {\"date_transacted\": \"2025-08-26\", \"date_posted\": \"2025-08-27\", \"amount\": 88.62, \"description\": \"EXXONMOBIL FLEET #5512\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00077\"}, {\"date_transacted\": \"2025-08-29\", \"date_posted\": \"2025-08-30\", \"amount\": 42.5, \"description\": \"STARBUCKS #5566 BUSINESS TRAVEL\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00078\"}], \"identity\": {\"names\": [\"Purchaser Home Services LLC\", \"Patrick Purchaser (authorized signer)\"], \"addresses\": [{\"primary\": true, \"data\": {\"country\": \"US\", \"city\": \"Baltimore\", \"street\": \"1234 Main St\", \"postal_code\": \"20600\", \"region\": \"MD\"}}]}}]}]}", "ulad_du": "<MESSAGE xmlns=\"http://www.mismo.org/residential/2009/schemas\" xmlns:ULAD=\"http://www.datamodelextension.org/Schema/ULAD\" xmlns:DU=\"http://www.datamodelextension.org/Schema/DU\" xmlns:xlink=\"http://www.w3.org/1999/xlink\" MISMOReferenceModelIdentifier=\"3.4.032420160128\">\n <ABOUT_VERSIONS>\n <ABOUT_VERSION>\n <AboutVersionIdentifier>DU Spec 1.8.5</AboutVersionIdentifier>\n <CreatedDatetime>2025-09-02T15:22:57.053775515Z</CreatedDatetime>\n </ABOUT_VERSION>\n </ABOUT_VERSIONS>\n <DEAL_SETS>\n <DEAL_SET>\n <DEALS>\n <DEAL>\n <ASSETS>\n <ASSET SequenceNumber=\"1\" xlink:label=\"ASSET_1\">\n <ASSET_DETAIL>\n <AssetAccountIdentifier>5522</AssetAccountIdentifier>\n <AssetCashOrMarketValueAmount>54500.00</AssetCashOrMarketValueAmount>\n <AssetType>SavingsAccount</AssetType>\n </ASSET_DETAIL>\n <ASSET_HOLDER>\n <NAME>\n <FullName>First Platypus Bank</FullName>\n </NAME>\n </ASSET_HOLDER>\n </ASSET>\n <ASSET SequenceNumber=\"2\" xlink:label=\"ASSET_2\">\n <ASSET_DETAIL>\n <AssetAccountIdentifier>4411</AssetAccountIdentifier>\n <AssetCashOrMarketValueAmount>205600.00</AssetCashOrMarketValueAmount>\n <AssetType>CheckingAccount</AssetType>\n </ASSET_DETAIL>\n <ASSET_HOLDER>\n <NAME>\n <FullName>First Platypus Bank</FullName>\n </NAME>\n </ASSET_HOLDER>\n </ASSET>\n <ASSET SequenceNumber=\"3\" xlink:label=\"ASSET_3\">\n <ASSET_DETAIL>\n <AssetAccountIdentifier>7788</AssetAccountIdentifier>\n <AssetCashOrMarketValueAmount>15000.00</AssetCashOrMarketValueAmount>\n <AssetType>SavingsAccount</AssetType>\n </ASSET_DETAIL>\n <ASSET_HOLDER>\n <NAME>\n <FullName>First Platypus Bank</FullName>\n </NAME>\n </ASSET_HOLDER>\n </ASSET>\n <ASSET SequenceNumber=\"4\" xlink:label=\"ASSET_4\">\n <ASSET_DETAIL>\n <AssetAccountIdentifier>9921</AssetAccountIdentifier>\n <AssetCashOrMarketValueAmount>90200.00</AssetCashOrMarketValueAmount>\n <AssetType>CheckingAccount</AssetType>\n </ASSET_DETAIL>\n <ASSET_HOLDER>\n <NAME>\n <FullName>First Gingham Credit Union</FullName>\n </NAME>\n </ASSET_HOLDER>\n </ASSET>\n <ASSET SequenceNumber=\"5\" xlink:label=\"ASSET_5\">\n <ASSET_DETAIL>\n <AssetType>RealEstateOwned</AssetType>\n </ASSET_DETAIL>\n <OWNED_PROPERTY>\n <OWNED_PROPERTY_DETAIL>\n <OwnedPropertyDispositionStatusType>Retain</OwnedPropertyDispositionStatusType>\n <OwnedPropertyLienUPBAmount>124268.00</OwnedPropertyLienUPBAmount>\n <OwnedPropertyRentalIncomeGrossAmount>8000.00</OwnedPropertyRentalIncomeGrossAmount>\n <OwnedPropertySubjectIndicator>false</OwnedPropertySubjectIndicator>\n </OWNED_PROPERTY_DETAIL>\n <PROPERTY>\n <ADDRESS>\n <AddressLineText>123 1st Ave</AddressLineText>\n <CityName>New York</CityName>\n <CountryCode>US</CountryCode>\n <PostalCode>10003</PostalCode>\n <StateCode>NY</StateCode>\n </ADDRESS>\n <PROPERTY_DETAIL>\n <PropertyCurrentUsageType>Investment</PropertyCurrentUsageType>\n <PropertyEstimatedValueAmount>1000000.00</PropertyEstimatedValueAmount>\n <PropertyUsageType>Investment</PropertyUsageType>\n </PROPERTY_DETAIL>\n </PROPERTY>\n </OWNED_PROPERTY>\n </ASSET>\n </ASSETS>\n <COLLATERALS>\n <COLLATERAL>\n <SUBJECT_PROPERTY>\n <ADDRESS>\n <CityName>ASBURY PARK</CityName>\n <CountryCode>US</CountryCode>\n <PostalCode>07712</PostalCode>\n <StateCode>NJ</StateCode>\n </ADDRESS>\n <LOCATION_IDENTIFIER>\n <FIPS_INFORMATION>\n <FIPSCountyCode>025</FIPSCountyCode>\n <FIPSStateNumericCode>34</FIPSStateNumericCode>\n </FIPS_INFORMATION>\n </LOCATION_IDENTIFIER>\n <PROPERTY_DETAIL>\n <AttachmentType>Detached</AttachmentType>\n <CommunityPropertyStateIndicator>false</CommunityPropertyStateIndicator>\n <ConstructionMethodType>SiteBuilt</ConstructionMethodType>\n <FHASecondaryResidenceIndicator>false</FHASecondaryResidenceIndicator>\n <FinancedUnitCount>1</FinancedUnitCount>\n <PropertyEstateType>FeeSimple</PropertyEstateType>\n <PropertyEstimatedValueAmount>800000.00</PropertyEstimatedValueAmount>\n <PropertyExistingCleanEnergyLienIndicator>false</PropertyExistingCleanEnergyLienIndicator>\n <PropertyInProjectIndicator>false</PropertyInProjectIndicator>\n <PropertyMixedUsageIndicator>false</PropertyMixedUsageIndicator>\n <PUDIndicator>false</PUDIndicator>\n </PROPERTY_DETAIL>\n <PROPERTY_VALUATIONS>\n <PROPERTY_VALUATION>\n <PROPERTY_VALUATION_DETAIL>\n <PropertyValuationAmount>800000.00</PropertyValuationAmount>\n </PROPERTY_VALUATION_DETAIL>\n </PROPERTY_VALUATION>\n </PROPERTY_VALUATIONS>\n <SALES_CONTRACTS>\n <SALES_CONTRACT>\n <SALES_CONTRACT_DETAIL>\n <SalesContractAmount>800000.00</SalesContractAmount>\n </SALES_CONTRACT_DETAIL>\n </SALES_CONTRACT>\n </SALES_CONTRACTS>\n </SUBJECT_PROPERTY>\n </COLLATERAL>\n </COLLATERALS>\n <LIABILITIES>\n <LIABILITY SequenceNumber=\"1\" xlink:label=\"LIABILITY_1\">\n <LIABILITY_DETAIL>\n <LiabilityAccountIdentifier>478453</LiabilityAccountIdentifier>\n <LiabilityExclusionIndicator>false</LiabilityExclusionIndicator>\n <LiabilityMonthlyPaymentAmount>746.00</LiabilityMonthlyPaymentAmount>\n <LiabilityPaymentIncludesTaxesInsuranceIndicator>true</LiabilityPaymentIncludesTaxesInsuranceIndicator>\n <LiabilityPayoffStatusIndicator>false</LiabilityPayoffStatusIndicator>\n <LiabilityType>MortgageLoan</LiabilityType>\n <LiabilityUnpaidBalanceAmount>98514.00</LiabilityUnpaidBalanceAmount>\n <SubjectLoanResubordinationIndicator>false</SubjectLoanResubordinationIndicator>\n </LIABILITY_DETAIL>\n <LIABILITY_HOLDER>\n <NAME>\n <FullName>ACE MORTGAGE</FullName>\n </NAME>\n </LIABILITY_HOLDER>\n </LIABILITY>\n <LIABILITY SequenceNumber=\"2\" xlink:label=\"LIABILITY_2\">\n <LIABILITY_DETAIL>\n <LiabilityAccountIdentifier>316157</LiabilityAccountIdentifier>\n <LiabilityExclusionIndicator>false</LiabilityExclusionIndicator>\n <LiabilityMonthlyPaymentAmount>233.00</LiabilityMonthlyPaymentAmount>\n <LiabilityPaymentIncludesTaxesInsuranceIndicator>false</LiabilityPaymentIncludesTaxesInsuranceIndicator>\n <LiabilityPayoffStatusIndicator>false</LiabilityPayoffStatusIndicator>\n <LiabilityType>MortgageLoan</LiabilityType>\n <LiabilityUnpaidBalanceAmount>22754.00</LiabilityUnpaidBalanceAmount>\n <SubjectLoanResubordinationIndicator>false</SubjectLoanResubordinationIndicator>\n </LIABILITY_DETAIL>\n <LIABILITY_HOLDER>\n <NAME>\n <FullName>BEST MORTGAGE</FullName>\n </NAME>\n </LIABILITY_HOLDER>\n </LIABILITY>\n <LIABILITY SequenceNumber=\"3\" xlink:label=\"LIABILITY_3\">\n <LIABILITY_DETAIL>\n <LiabilityAccountIdentifier>5566778</LiabilityAccountIdentifier>\n <LiabilityExclusionIndicator>false</LiabilityExclusionIndicator>\n <LiabilityMonthlyPaymentAmount>0.00</LiabilityMonthlyPaymentAmount>\n <LiabilityPaymentIncludesTaxesInsuranceIndicator>false</LiabilityPaymentIncludesTaxesInsuranceIndicator>\n <LiabilityPayoffStatusIndicator>false</LiabilityPayoffStatusIndicator>\n <LiabilityType>HELOC</LiabilityType>\n <LiabilityUnpaidBalanceAmount>3000.00</LiabilityUnpaidBalanceAmount>\n <SubjectLoanResubordinationIndicator>false</SubjectLoanResubordinationIndicator>\n </LIABILITY_DETAIL>\n <LIABILITY_HOLDER>\n <NAME>\n <FullName>ENLIGHTENED BANK</FullName>\n </NAME>\n </LIABILITY_HOLDER>\n </LIABILITY>\n <LIABILITY SequenceNumber=\"4\" xlink:label=\"LIABILITY_4\">\n <LIABILITY_DETAIL>\n <LiabilityAccountIdentifier>13584</LiabilityAccountIdentifier>\n <LiabilityExclusionIndicator>false</LiabilityExclusionIndicator>\n <LiabilityMonthlyPaymentAmount>79.00</LiabilityMonthlyPaymentAmount>\n <LiabilityPayoffStatusIndicator>false</LiabilityPayoffStatusIndicator>\n <LiabilityType>Revolving</LiabilityType>\n <LiabilityUnpaidBalanceAmount>2663.00</LiabilityUnpaidBalanceAmount>\n </LIABILITY_DETAIL>\n <LIABILITY_HOLDER>\n <NAME>\n <FullName>MERRY CREDIT</FullName>\n </NAME>\n </LIABILITY_HOLDER>\n </LIABILITY>\n <LIABILITY SequenceNumber=\"5\" xlink:label=\"LIABILITY_5\">\n <LIABILITY_DETAIL>\n <LiabilityAccountIdentifier>4569817</LiabilityAccountIdentifier>\n <LiabilityExclusionIndicator>false</LiabilityExclusionIndicator>\n <LiabilityMonthlyPaymentAmount>75.00</LiabilityMonthlyPaymentAmount>\n <LiabilityPayoffStatusIndicator>false</LiabilityPayoffStatusIndicator>\n <LiabilityType>Revolving</LiabilityType>\n <LiabilityUnpaidBalanceAmount>2530.00</LiabilityUnpaidBalanceAmount>\n </LIABILITY_DETAIL>\n <LIABILITY_HOLDER>\n <NAME>\n <FullName>NO NONSENSE CREDIT</FullName>\n </NAME>\n </LIABILITY_HOLDER>\n </LIABILITY>\n <LIABILITY SequenceNumber=\"6\" xlink:label=\"LIABILITY_6\">\n <LIABILITY_DETAIL>\n <LiabilityAccountIdentifier>234</LiabilityAccountIdentifier>\n <LiabilityExclusionIndicator>false</LiabilityExclusionIndicator>\n <LiabilityMonthlyPaymentAmount>100.00</LiabilityMonthlyPaymentAmount>\n <LiabilityPayoffStatusIndicator>false</LiabilityPayoffStatusIndicator>\n <LiabilityType>Revolving</LiabilityType>\n <LiabilityUnpaidBalanceAmount>2000.00</LiabilityUnpaidBalanceAmount>\n </LIABILITY_DETAIL>\n <LIABILITY_HOLDER>\n <NAME>\n <FullName>TROUBLING CARDS</FullName>\n </NAME>\n </LIABILITY_HOLDER>\n </LIABILITY>\n <LIABILITY SequenceNumber=\"7\" xlink:label=\"LIABILITY_7\">\n <LIABILITY_DETAIL>\n <LiabilityAccountIdentifier>4567890</LiabilityAccountIdentifier>\n <LiabilityExclusionIndicator>false</LiabilityExclusionIndicator>\n <LiabilityMonthlyPaymentAmount>10.00</LiabilityMonthlyPaymentAmount>\n <LiabilityPayoffStatusIndicator>false</LiabilityPayoffStatusIndicator>\n <LiabilityType>Revolving</LiabilityType>\n <LiabilityUnpaidBalanceAmount>253.00</LiabilityUnpaidBalanceAmount>\n </LIABILITY_DETAIL>\n <LIABILITY_HOLDER>\n <NAME>\n <FullName>POLITE CREDIT</FullName>\n </NAME>\n </LIABILITY_HOLDER>\n </LIABILITY>\n <LIABILITY SequenceNumber=\"8\" xlink:label=\"LIABILITY_8\">\n <LIABILITY_DETAIL>\n <LiabilityAccountIdentifier>721987</LiabilityAccountIdentifier>\n <LiabilityExclusionIndicator>false</LiabilityExclusionIndicator>\n <LiabilityMonthlyPaymentAmount>25.00</LiabilityMonthlyPaymentAmount>\n <LiabilityPayoffStatusIndicator>false</LiabilityPayoffStatusIndicator>\n <LiabilityType>Revolving</LiabilityType>\n <LiabilityUnpaidBalanceAmount>81.00</LiabilityUnpaidBalanceAmount>\n </LIABILITY_DETAIL>\n <LIABILITY_HOLDER>\n <NAME>\n <FullName>SANE CREDIT</FullName>\n </NAME>\n </LIABILITY_HOLDER>\n </LIABILITY>\n </LIABILITIES>\n <LOANS>\n <LOAN SequenceNumber=\"1\" LoanRoleType=\"SubjectLoan\" xlink:label=\"LOAN_1\">\n <AFFORDABLE_LENDING></AFFORDABLE_LENDING>\n <CLOSING_INFORMATION>\n <CLOSING_ADJUSTMENT_ITEMS></CLOSING_ADJUSTMENT_ITEMS>\n <CLOSING_INFORMATION_DETAIL></CLOSING_INFORMATION_DETAIL>\n </CLOSING_INFORMATION>\n <DOCUMENT_SPECIFIC_DATA_SETS>\n <DOCUMENT_SPECIFIC_DATA_SET>\n <URLA>\n <URLA_DETAIL></URLA_DETAIL>\n </URLA>\n </DOCUMENT_SPECIFIC_DATA_SET>\n </DOCUMENT_SPECIFIC_DATA_SETS>\n <HOUSING_EXPENSES></HOUSING_EXPENSES>\n <LOAN_DETAIL>\n <BalloonIndicator>false</BalloonIndicator>\n <BelowMarketSubordinateFinancingIndicator>false</BelowMarketSubordinateFinancingIndicator>\n <BorrowerCount>2</BorrowerCount>\n <BuydownTemporarySubsidyFundingIndicator>false</BuydownTemporarySubsidyFundingIndicator>\n <ConstructionLoanIndicator>false</ConstructionLoanIndicator>\n <EnergyRelatedImprovementsIndicator>false</EnergyRelatedImprovementsIndicator>\n <InterestOnlyIndicator>false</InterestOnlyIndicator>\n <NegativeAmortizationIndicator>false</NegativeAmortizationIndicator>\n <PrepaymentPenaltyIndicator>false</PrepaymentPenaltyIndicator>\n <RenovationLoanIndicator>false</RenovationLoanIndicator>\n <TotalMortgagedPropertiesCount>2</TotalMortgagedPropertiesCount>\n </LOAN_DETAIL>\n <LOAN_IDENTIFIERS>\n <LOAN_IDENTIFIER>\n <LoanIdentifier>80731120165</LoanIdentifier>\n <LoanIdentifierType>UniversalLoan</LoanIdentifierType>\n </LOAN_IDENTIFIER>\n </LOAN_IDENTIFIERS>\n <ORIGINATION_SYSTEMS>\n <ORIGINATION_SYSTEM>\n <LoanOriginationSystemName>TidalWave SOLO</LoanOriginationSystemName>\n <LoanOriginationSystemVendorIdentifier>TidalWave</LoanOriginationSystemVendorIdentifier>\n <LoanOriginationSystemVersionIdentifier>1.0</LoanOriginationSystemVersionIdentifier>\n </ORIGINATION_SYSTEM>\n </ORIGINATION_SYSTEMS>\n <TERMS_OF_LOAN>\n <BaseLoanAmount>640000.00</BaseLoanAmount>\n <LienPriorityType>FirstLien</LienPriorityType>\n <LoanPurposeType>Purchase</LoanPurposeType>\n <MortgageType>Conventional</MortgageType>\n <NoteRatePercent>0.000</NoteRatePercent>\n </TERMS_OF_LOAN>\n </LOAN>\n </LOANS>\n <PARTIES>\n <PARTY>\n <INDIVIDUAL>\n <CONTACT_POINTS>\n <CONTACT_POINT>\n <CONTACT_POINT_TELEPHONE>\n <ContactPointTelephoneValue>9999999999</ContactPointTelephoneValue>\n </CONTACT_POINT_TELEPHONE>\n <CONTACT_POINT_DETAIL>\n <ContactPointRoleType>Mobile</ContactPointRoleType>\n </CONTACT_POINT_DETAIL>\n </CONTACT_POINT>\n <CONTACT_POINT>\n <CONTACT_POINT_EMAIL>\n <ContactPointEmailValue>drindner+test0923784@tidalhq.com</ContactPointEmailValue>\n </CONTACT_POINT_EMAIL>\n </CONTACT_POINT>\n </CONTACT_POINTS>\n <NAME>\n <FirstName>Patrick</FirstName>\n <LastName>Purchaser</LastName>\n </NAME>\n </INDIVIDUAL>\n <ROLES>\n <ROLE SequenceNumber=\"1\" xlink:label=\"BORROWER_1\">\n <BORROWER>\n <BORROWER_DETAIL>\n <BorrowerBirthDate>1992-01-01</BorrowerBirthDate>\n <CommunityPropertyStateResidentIndicator>false</CommunityPropertyStateResidentIndicator>\n <DependentCount>0</DependentCount>\n <MaritalStatusType>Married</MaritalStatusType>\n </BORROWER_DETAIL>\n <CURRENT_INCOME>\n <CURRENT_INCOME_ITEMS>\n <CURRENT_INCOME_ITEM SequenceNumber=\"1\" xlink:label=\"CURRENT_INCOME_ITEM_1_1\">\n <CURRENT_INCOME_ITEM_DETAIL>\n <CurrentIncomeMonthlyTotalAmount>10000.00</CurrentIncomeMonthlyTotalAmount>\n <EmploymentIncomeIndicator>true</EmploymentIncomeIndicator>\n <IncomeType>Base</IncomeType>\n </CURRENT_INCOME_ITEM_DETAIL>\n </CURRENT_INCOME_ITEM>\n <CURRENT_INCOME_ITEM SequenceNumber=\"2\" xlink:label=\"CURRENT_INCOME_ITEM_1_2\">\n <CURRENT_INCOME_ITEM_DETAIL>\n <CurrentIncomeMonthlyTotalAmount>833.33</CurrentIncomeMonthlyTotalAmount>\n <EmploymentIncomeIndicator>true</EmploymentIncomeIndicator>\n <IncomeType>Bonus</IncomeType>\n </CURRENT_INCOME_ITEM_DETAIL>\n </CURRENT_INCOME_ITEM>\n </CURRENT_INCOME_ITEMS>\n </CURRENT_INCOME>\n <DECLARATION>\n <DECLARATION_DETAIL>\n <BankruptcyIndicator>false</BankruptcyIndicator>\n <CitizenshipResidencyType>USCitizen</CitizenshipResidencyType>\n <HomeownerPastThreeYearsType>Yes</HomeownerPastThreeYearsType>\n <IntentToOccupyType>No</IntentToOccupyType>\n <OutstandingJudgmentsIndicator>false</OutstandingJudgmentsIndicator>\n <PartyToLawsuitIndicator>false</PartyToLawsuitIndicator>\n <PresentlyDelinquentIndicator>false</PresentlyDelinquentIndicator>\n <PriorPropertyDeedInLieuConveyedIndicator>false</PriorPropertyDeedInLieuConveyedIndicator>\n <PriorPropertyForeclosureCompletedIndicator>false</PriorPropertyForeclosureCompletedIndicator>\n <PriorPropertyShortSaleCompletedIndicator>false</PriorPropertyShortSaleCompletedIndicator>\n <PropertyProposedCleanEnergyLienIndicator>false</PropertyProposedCleanEnergyLienIndicator>\n <UndisclosedBorrowedFundsIndicator>false</UndisclosedBorrowedFundsIndicator>\n <UndisclosedComakerOfNoteIndicator>false</UndisclosedComakerOfNoteIndicator>\n <UndisclosedCreditApplicationIndicator>false</UndisclosedCreditApplicationIndicator>\n <UndisclosedMortgageApplicationIndicator>false</UndisclosedMortgageApplicationIndicator>\n <EXTENSION>\n <OTHER>\n <ULAD:DECLARATION_DETAIL_EXTENSION>\n <ULAD:SpecialBorrowerSellerRelationshipIndicator>false</ULAD:SpecialBorrowerSellerRelationshipIndicator>\n </ULAD:DECLARATION_DETAIL_EXTENSION>\n </OTHER>\n </EXTENSION>\n </DECLARATION_DETAIL>\n </DECLARATION>\n <DEPENDENTS></DEPENDENTS>\n <EMPLOYERS>\n <EMPLOYER SequenceNumber=\"1\" xlink:label=\"EMPLOYER_1_1\">\n <LEGAL_ENTITY>\n <LEGAL_ENTITY_DETAIL>\n <FullName>Amazon</FullName>\n </LEGAL_ENTITY_DETAIL>\n </LEGAL_ENTITY>\n <EMPLOYMENT>\n <EmploymentBorrowerSelfEmployedIndicator>false</EmploymentBorrowerSelfEmployedIndicator>\n <EmploymentClassificationType>Secondary</EmploymentClassificationType>\n <EmploymentPositionDescription>Manager</EmploymentPositionDescription>\n <EmploymentStartDate>2020-01-01</EmploymentStartDate>\n <EmploymentStatusType>Current</EmploymentStatusType>\n <EmploymentTimeInLineOfWorkMonthsCount>130</EmploymentTimeInLineOfWorkMonthsCount>\n <SpecialBorrowerEmployerRelationshipIndicator>false</SpecialBorrowerEmployerRelationshipIndicator>\n <EXTENSION>\n <OTHER>\n <DU:EMPLOYMENT_EXTENSION>\n <DU:ForeignIncomeIndicator>false</DU:ForeignIncomeIndicator>\n <DU:SeasonalIncomeIndicator>false</DU:SeasonalIncomeIndicator>\n </DU:EMPLOYMENT_EXTENSION>\n </OTHER>\n </EXTENSION>\n </EMPLOYMENT>\n </EMPLOYER>\n </EMPLOYERS>\n <GOVERNMENT_BORROWER></GOVERNMENT_BORROWER>\n <GOVERNMENT_MONITORING>\n <GOVERNMENT_MONITORING_DETAIL>\n <HMDAEthnicityCollectedBasedOnVisualObservationOrSurnameIndicator>false</HMDAEthnicityCollectedBasedOnVisualObservationOrSurnameIndicator>\n <HMDAEthnicityRefusalIndicator>false</HMDAEthnicityRefusalIndicator>\n <HMDAGenderCollectedBasedOnVisualObservationOrNameIndicator>false</HMDAGenderCollectedBasedOnVisualObservationOrNameIndicator>\n <HMDAGenderRefusalIndicator>false</HMDAGenderRefusalIndicator>\n <HMDARaceCollectedBasedOnVisualObservationOrSurnameIndicator>false</HMDARaceCollectedBasedOnVisualObservationOrSurnameIndicator>\n <HMDARaceRefusalIndicator>false</HMDARaceRefusalIndicator>\n <EXTENSION>\n <OTHER>\n <ULAD:GOVERNMENT_MONITORING_DETAIL_EXTENSION></ULAD:GOVERNMENT_MONITORING_DETAIL_EXTENSION>\n </OTHER>\n </EXTENSION>\n </GOVERNMENT_MONITORING_DETAIL>\n </GOVERNMENT_MONITORING>\n <RESIDENCES>\n <RESIDENCE>\n <ADDRESS>\n <AddressLineText>1234 Main St</AddressLineText>\n <CityName>Baltimore</CityName>\n <CountryCode>US</CountryCode>\n <PostalCode>20600</PostalCode>\n <StateCode>MD</StateCode>\n </ADDRESS>\n <LANDLORD>\n <LANDLORD_DETAIL>\n <MonthlyRentAmount>2400.00</MonthlyRentAmount>\n </LANDLORD_DETAIL>\n </LANDLORD>\n <RESIDENCE_DETAIL>\n <BorrowerResidencyBasisType>Rent</BorrowerResidencyBasisType>\n <BorrowerResidencyDurationMonthsCount>120</BorrowerResidencyDurationMonthsCount>\n <BorrowerResidencyType>Current</BorrowerResidencyType>\n </RESIDENCE_DETAIL>\n </RESIDENCE>\n </RESIDENCES>\n </BORROWER>\n <ROLE_DETAIL>\n <PartyRoleType>Borrower</PartyRoleType>\n </ROLE_DETAIL>\n </ROLE>\n </ROLES>\n <TAXPAYER_IDENTIFIERS>\n <TAXPAYER_IDENTIFIER>\n <TaxpayerIdentifierType>SocialSecurityNumber</TaxpayerIdentifierType>\n <TaxpayerIdentifierValue>999121234</TaxpayerIdentifierValue>\n </TAXPAYER_IDENTIFIER>\n </TAXPAYER_IDENTIFIERS>\n </PARTY>\n <PARTY>\n <INDIVIDUAL>\n <CONTACT_POINTS>\n <CONTACT_POINT>\n <CONTACT_POINT_EMAIL>\n <ContactPointEmailValue>drindner+testpap@tidalhq.com</ContactPointEmailValue>\n </CONTACT_POINT_EMAIL>\n </CONTACT_POINT>\n </CONTACT_POINTS>\n <NAME>\n <FirstName>Lorraine</FirstName>\n <LastName>Purchaser</LastName>\n </NAME>\n </INDIVIDUAL>\n <ROLES>\n <ROLE SequenceNumber=\"2\" xlink:label=\"BORROWER_2\">\n <BORROWER>\n <BORROWER_DETAIL>\n <BorrowerBirthDate>1995-01-01</BorrowerBirthDate>\n <CommunityPropertyStateResidentIndicator>false</CommunityPropertyStateResidentIndicator>\n <DependentCount>0</DependentCount>\n <MaritalStatusType>Married</MaritalStatusType>\n </BORROWER_DETAIL>\n <CURRENT_INCOME>\n <CURRENT_INCOME_ITEMS></CURRENT_INCOME_ITEMS>\n </CURRENT_INCOME>\n <DECLARATION>\n <DECLARATION_DETAIL>\n <BankruptcyIndicator>false</BankruptcyIndicator>\n <CitizenshipResidencyType>USCitizen</CitizenshipResidencyType>\n <HomeownerPastThreeYearsType>No</HomeownerPastThreeYearsType>\n <IntentToOccupyType>No</IntentToOccupyType>\n <OutstandingJudgmentsIndicator>false</OutstandingJudgmentsIndicator>\n <PartyToLawsuitIndicator>false</PartyToLawsuitIndicator>\n <PresentlyDelinquentIndicator>false</PresentlyDelinquentIndicator>\n <PriorPropertyDeedInLieuConveyedIndicator>false</PriorPropertyDeedInLieuConveyedIndicator>\n <PriorPropertyForeclosureCompletedIndicator>false</PriorPropertyForeclosureCompletedIndicator>\n <PriorPropertyShortSaleCompletedIndicator>false</PriorPropertyShortSaleCompletedIndicator>\n <PropertyProposedCleanEnergyLienIndicator>false</PropertyProposedCleanEnergyLienIndicator>\n <UndisclosedBorrowedFundsIndicator>false</UndisclosedBorrowedFundsIndicator>\n <UndisclosedComakerOfNoteIndicator>false</UndisclosedComakerOfNoteIndicator>\n <UndisclosedCreditApplicationIndicator>false</UndisclosedCreditApplicationIndicator>\n <UndisclosedMortgageApplicationIndicator>false</UndisclosedMortgageApplicationIndicator>\n <EXTENSION>\n <OTHER>\n <ULAD:DECLARATION_DETAIL_EXTENSION>\n <ULAD:SpecialBorrowerSellerRelationshipIndicator>false</ULAD:SpecialBorrowerSellerRelationshipIndicator>\n </ULAD:DECLARATION_DETAIL_EXTENSION>\n </OTHER>\n </EXTENSION>\n </DECLARATION_DETAIL>\n </DECLARATION>\n <DEPENDENTS></DEPENDENTS>\n <EMPLOYERS></EMPLOYERS>\n <GOVERNMENT_BORROWER></GOVERNMENT_BORROWER>\n <GOVERNMENT_MONITORING>\n <GOVERNMENT_MONITORING_DETAIL>\n <HMDAEthnicityCollectedBasedOnVisualObservationOrSurnameIndicator>false</HMDAEthnicityCollectedBasedOnVisualObservationOrSurnameIndicator>\n <HMDAEthnicityRefusalIndicator>false</HMDAEthnicityRefusalIndicator>\n <HMDAGenderCollectedBasedOnVisualObservationOrNameIndicator>false</HMDAGenderCollectedBasedOnVisualObservationOrNameIndicator>\n <HMDAGenderRefusalIndicator>false</HMDAGenderRefusalIndicator>\n <HMDARaceCollectedBasedOnVisualObservationOrSurnameIndicator>false</HMDARaceCollectedBasedOnVisualObservationOrSurnameIndicator>\n <HMDARaceRefusalIndicator>false</HMDARaceRefusalIndicator>\n <EXTENSION>\n <OTHER>\n <ULAD:GOVERNMENT_MONITORING_DETAIL_EXTENSION></ULAD:GOVERNMENT_MONITORING_DETAIL_EXTENSION>\n </OTHER>\n </EXTENSION>\n </GOVERNMENT_MONITORING_DETAIL>\n </GOVERNMENT_MONITORING>\n <RESIDENCES>\n <RESIDENCE>\n <ADDRESS>\n <AddressLineText>1234 Main St</AddressLineText>\n <CityName>Baltimore</CityName>\n <CountryCode>US</CountryCode>\n <PostalCode>20600</PostalCode>\n <StateCode>MD</StateCode>\n </ADDRESS>\n <LANDLORD>\n <LANDLORD_DETAIL>\n <MonthlyRentAmount>2400.00</MonthlyRentAmount>\n </LANDLORD_DETAIL>\n </LANDLORD>\n <RESIDENCE_DETAIL>\n <BorrowerResidencyBasisType>Rent</BorrowerResidencyBasisType>\n <BorrowerResidencyDurationMonthsCount>120</BorrowerResidencyDurationMonthsCount>\n <BorrowerResidencyType>Current</BorrowerResidencyType>\n </RESIDENCE_DETAIL>\n </RESIDENCE>\n </RESIDENCES>\n </BORROWER>\n <ROLE_DETAIL>\n <PartyRoleType>Borrower</PartyRoleType>\n </ROLE_DETAIL>\n </ROLE>\n </ROLES>\n <TAXPAYER_IDENTIFIERS>\n <TAXPAYER_IDENTIFIER>\n <TaxpayerIdentifierType>SocialSecurityNumber</TaxpayerIdentifierType>\n <TaxpayerIdentifierValue>999565678</TaxpayerIdentifierValue>\n </TAXPAYER_IDENTIFIER>\n </TAXPAYER_IDENTIFIERS>\n </PARTY>\n <PARTY>\n <INDIVIDUAL>\n <NAME></NAME>\n </INDIVIDUAL>\n <ROLES>\n <ROLE SequenceNumber=\"1\" xlink:label=\"PROPERTY_OWNER_1\">\n <PROPERTY_OWNER>\n <PropertyOwnerStatusType>Proposed</PropertyOwnerStatusType>\n </PROPERTY_OWNER>\n <ROLE_DETAIL>\n <PartyRoleType>PropertyOwner</PartyRoleType>\n </ROLE_DETAIL>\n </ROLE>\n </ROLES>\n </PARTY>\n </PARTIES>\n <RELATIONSHIPS>\n <RELATIONSHIP SequenceNumber=\"1\" xlink:arcrole=\"urn:fdc:mismo.org:2009:residential/CURRENT_INCOME_ITEM_IsAssociatedWith_EMPLOYER\" xlink:from=\"CURRENT_INCOME_ITEM_1_1\" xlink:to=\"EMPLOYER_1_1\"></RELATIONSHIP>\n <RELATIONSHIP SequenceNumber=\"2\" xlink:arcrole=\"urn:fdc:mismo.org:2009:residential/CURRENT_INCOME_ITEM_IsAssociatedWith_EMPLOYER\" xlink:from=\"CURRENT_INCOME_ITEM_1_2\" xlink:to=\"EMPLOYER_1_1\"></RELATIONSHIP>\n <RELATIONSHIP SequenceNumber=\"3\" xlink:arcrole=\"urn:fdc:mismo.org:2009:residential/ROLE_SharesJointCreditReportWith_ROLE\" xlink:from=\"BORROWER_2\" xlink:to=\"BORROWER_1\"></RELATIONSHIP>\n <RELATIONSHIP SequenceNumber=\"4\" xlink:arcrole=\"urn:fdc:mismo.org:2009:residential/ASSET_IsAssociatedWith_ROLE\" xlink:from=\"ASSET_1\" xlink:to=\"BORROWER_1\"></RELATIONSHIP>\n <RELATIONSHIP SequenceNumber=\"5\" xlink:arcrole=\"urn:fdc:mismo.org:2009:residential/ASSET_IsAssociatedWith_ROLE\" xlink:from=\"ASSET_1\" xlink:to=\"BORROWER_2\"></RELATIONSHIP>\n <RELATIONSHIP SequenceNumber=\"6\" xlink:arcrole=\"urn:fdc:mismo.org:2009:residential/ASSET_IsAssociatedWith_ROLE\" xlink:from=\"ASSET_2\" xlink:to=\"BORROWER_1\"></RELATIONSHIP>\n <RELATIONSHIP SequenceNumber=\"7\" xlink:arcrole=\"urn:fdc:mismo.org:2009:residential/ASSET_IsAssociatedWith_ROLE\" xlink:from=\"ASSET_2\" xlink:to=\"BORROWER_2\"></RELATIONSHIP>\n <RELATIONSHIP SequenceNumber=\"8\" xlink:arcrole=\"urn:fdc:mismo.org:2009:residential/ASSET_IsAssociatedWith_ROLE\" xlink:from=\"ASSET_3\" xlink:to=\"BORROWER_1\"></RELATIONSHIP>\n <RELATIONSHIP SequenceNumber=\"9\" xlink:arcrole=\"urn:fdc:mismo.org:2009:residential/ASSET_IsAssociatedWith_ROLE\" xlink:from=\"ASSET_4\" xlink:to=\"BORROWER_1\"></RELATIONSHIP>\n <RELATIONSHIP SequenceNumber=\"10\" xlink:arcrole=\"urn:fdc:mismo.org:2009:residential/ASSET_IsAssociatedWith_ROLE\" xlink:from=\"ASSET_5\" xlink:to=\"BORROWER_1\"></RELATIONSHIP>\n <RELATIONSHIP SequenceNumber=\"11\" xlink:arcrole=\"urn:fdc:mismo.org:2009:residential/LIABILITY_IsAssociatedWith_ROLE\" xlink:from=\"LIABILITY_1\" xlink:to=\"BORROWER_1\"></RELATIONSHIP>\n <RELATIONSHIP SequenceNumber=\"12\" xlink:arcrole=\"urn:fdc:mismo.org:2009:residential/ASSET_IsAssociatedWith_LIABILITY\" xlink:from=\"ASSET_5\" xlink:to=\"LIABILITY_1\"></RELATIONSHIP>\n <RELATIONSHIP SequenceNumber=\"13\" xlink:arcrole=\"urn:fdc:mismo.org:2009:residential/LIABILITY_IsAssociatedWith_ROLE\" xlink:from=\"LIABILITY_2\" xlink:to=\"BORROWER_1\"></RELATIONSHIP>\n <RELATIONSHIP SequenceNumber=\"14\" xlink:arcrole=\"urn:fdc:mismo.org:2009:residential/ASSET_IsAssociatedWith_LIABILITY\" xlink:from=\"ASSET_5\" xlink:to=\"LIABILITY_2\"></RELATIONSHIP>\n <RELATIONSHIP SequenceNumber=\"15\" xlink:arcrole=\"urn:fdc:mismo.org:2009:residential/LIABILITY_IsAssociatedWith_ROLE\" xlink:from=\"LIABILITY_3\" xlink:to=\"BORROWER_1\"></RELATIONSHIP>\n <RELATIONSHIP SequenceNumber=\"16\" xlink:arcrole=\"urn:fdc:mismo.org:2009:residential/ASSET_IsAssociatedWith_LIABILITY\" xlink:from=\"ASSET_5\" xlink:to=\"LIABILITY_3\"></RELATIONSHIP>\n <RELATIONSHIP SequenceNumber=\"17\" xlink:arcrole=\"urn:fdc:mismo.org:2009:residential/LIABILITY_IsAssociatedWith_ROLE\" xlink:from=\"LIABILITY_4\" xlink:to=\"BORROWER_1\"></RELATIONSHIP>\n <RELATIONSHIP SequenceNumber=\"18\" xlink:arcrole=\"urn:fdc:mismo.org:2009:residential/LIABILITY_IsAssociatedWith_ROLE\" xlink:from=\"LIABILITY_4\" xlink:to=\"BORROWER_2\"></RELATIONSHIP>\n <RELATIONSHIP SequenceNumber=\"19\" xlink:arcrole=\"urn:fdc:mismo.org:2009:residential/LIABILITY_IsAssociatedWith_ROLE\" xlink:from=\"LIABILITY_5\" xlink:to=\"BORROWER_1\"></RELATIONSHIP>\n <RELATIONSHIP SequenceNumber=\"20\" xlink:arcrole=\"urn:fdc:mismo.org:2009:residential/LIABILITY_IsAssociatedWith_ROLE\" xlink:from=\"LIABILITY_5\" xlink:to=\"BORROWER_2\"></RELATIONSHIP>\n <RELATIONSHIP SequenceNumber=\"21\" xlink:arcrole=\"urn:fdc:mismo.org:2009:residential/LIABILITY_IsAssociatedWith_ROLE\" xlink:from=\"LIABILITY_6\" xlink:to=\"BORROWER_1\"></RELATIONSHIP>\n <RELATIONSHIP SequenceNumber=\"22\" xlink:arcrole=\"urn:fdc:mismo.org:2009:residential/LIABILITY_IsAssociatedWith_ROLE\" xlink:from=\"LIABILITY_7\" xlink:to=\"BORROWER_1\"></RELATIONSHIP>\n <RELATIONSHIP SequenceNumber=\"23\" xlink:arcrole=\"urn:fdc:mismo.org:2009:residential/LIABILITY_IsAssociatedWith_ROLE\" xlink:from=\"LIABILITY_7\" xlink:to=\"BORROWER_2\"></RELATIONSHIP>\n <RELATIONSHIP SequenceNumber=\"24\" xlink:arcrole=\"urn:fdc:mismo.org:2009:residential/LIABILITY_IsAssociatedWith_ROLE\" xlink:from=\"LIABILITY_8\" xlink:to=\"BORROWER_1\"></RELATIONSHIP>\n <RELATIONSHIP SequenceNumber=\"25\" xlink:arcrole=\"urn:fdc:mismo.org:2009:residential/LIABILITY_IsAssociatedWith_ROLE\" xlink:from=\"LIABILITY_8\" xlink:to=\"BORROWER_2\"></RELATIONSHIP>\n </RELATIONSHIPS>\n <SERVICES></SERVICES>\n </DEAL>\n </DEALS>\n </DEAL_SET>\n </DEAL_SETS>\n</MESSAGE>"}
|
| {"test_case_number": 5, "bank_statement": "{\"seed\": \"andy-america-sandbox-jul3-sep3-2025-costco-rentaddr-rent31\", \"override_accounts\": [{\"type\": \"depository\", \"subtype\": \"checking\", \"starting_balance\": 56400, \"currency\": \"USD\", \"numbers\": {\"account\": \"111222333000\"}, \"transactions\": [{\"date_transacted\": \"2025-07-02\", \"date_posted\": \"2025-07-03\", \"amount\": -5000, \"description\": \"ACH CREDIT - 1013 Bloomfield Ave\", \"currency\": \"USD\", \"transaction_id\": \"plaid-5-00001\"}, {\"date_transacted\": \"2025-07-03\", \"date_posted\": \"2025-07-04\", \"amount\": 129.99, \"description\": \"VERIZON WIRELESS AUTO-PAY\", \"currency\": \"USD\", \"transaction_id\": \"plaid-5-00002\"}, {\"date_transacted\": \"2025-07-05\", \"date_posted\": \"2025-07-06\", \"amount\": 44.23, \"description\": \"PHARMACY - CVS STORE #9921\", \"currency\": \"USD\", \"transaction_id\": \"plaid-5-00003\"}, {\"date_transacted\": \"2025-07-06\", \"date_posted\": \"2025-07-07\", \"amount\": 64.88, \"description\": \"TRADER JOE'S #102 SOMEPLACE NY\", \"currency\": \"USD\", \"transaction_id\": \"plaid-5-00004\"}, {\"date_transacted\": \"2025-07-07\", \"date_posted\": \"2025-07-08\", \"amount\": 92.11, \"description\": \"DINING - APPLEBEE'S SOMEPLACE NY\", \"currency\": \"USD\", \"transaction_id\": \"plaid-5-00005\"}, {\"date_transacted\": \"2025-07-09\", \"date_posted\": \"2025-07-10\", \"amount\": 96.21, \"description\": \"GAS & SERVICE STATION\", \"currency\": \"USD\", \"transaction_id\": \"plaid-5-00006\"}, {\"date_transacted\": \"2025-07-10\", \"date_posted\": \"2025-07-11\", \"amount\": 72.99, \"description\": \"DINING - PIZZA HUT #1123\", \"currency\": \"USD\", \"transaction_id\": \"plaid-5-00007\"}, {\"date_transacted\": \"2025-07-12\", \"date_posted\": \"2025-07-13\", \"amount\": 212.66, \"description\": \"UTILITY PAYMENT - CON EDISON\", \"currency\": \"USD\", \"transaction_id\": \"plaid-5-00008\"}, {\"date_transacted\": \"2025-07-14\", \"date_posted\": \"2025-07-15\", \"amount\": -3050, \"description\": \"ACH CREDIT PAYROLL - COSTCO PAYROLL DIRECT DEPOSIT\", \"currency\": \"USD\", \"transaction_id\": \"plaid-5-00009\"}, {\"date_transacted\": \"2025-07-14\", \"date_posted\": \"2025-07-15\", \"amount\": 225, \"description\": \"ACH DEBIT - CAPITAL ONE CREDIT CARD PAYMENT\", \"currency\": \"USD\", \"transaction_id\": \"plaid-5-00010\"}, {\"date_transacted\": \"2025-07-14\", \"date_posted\": \"2025-07-15\", \"amount\": 1200, \"description\": \"ACH DEBIT - PRIME VISA PAYMENT\", \"currency\": \"USD\", \"transaction_id\": \"plaid-5-00011\"}, {\"date_transacted\": \"2025-07-14\", \"date_posted\": \"2025-07-15\", \"amount\": 180, \"description\": \"ACH DEBIT - RELENTLESS BANK CREDIT CARD\", \"currency\": \"USD\", \"transaction_id\": \"plaid-5-00012\"}, {\"date_transacted\": \"2025-07-15\", \"date_posted\": \"2025-07-16\", \"amount\": 85.25, \"description\": \"RESTAURANT POS - CHIPOTLE #441\", \"currency\": \"USD\", \"transaction_id\": \"plaid-5-00013\"}, {\"date_transacted\": \"2025-07-16\", \"date_posted\": \"2025-07-17\", \"amount\": 45, \"description\": \"SPOTIFY SUBSCRIPTION\", \"currency\": \"USD\", \"transaction_id\": \"plaid-5-00014\"}, {\"date_transacted\": \"2025-07-22\", \"date_posted\": \"2025-07-23\", \"amount\": 124.37, \"description\": \"CHECK #1051\", \"currency\": \"USD\", \"transaction_id\": \"plaid-5-00015\"}, {\"date_transacted\": \"2025-07-24\", \"date_posted\": \"2025-07-25\", \"amount\": 1000, \"description\": \"ONLINE TRANSFER TO SAVINGS\", \"currency\": \"USD\", \"transaction_id\": \"plaid-5-00016\"}, {\"date_transacted\": \"2025-07-26\", \"date_posted\": \"2025-07-27\", \"amount\": 350, \"description\": \"GEICO AUTO INSURANCE PREMIUM\", \"currency\": \"USD\", \"transaction_id\": \"plaid-5-00017\"}, {\"date_transacted\": \"2025-07-28\", \"date_posted\": \"2025-07-29\", \"amount\": 59.44, \"description\": \"NETFLIX/STREAMING SERVICES\", \"currency\": \"USD\", \"transaction_id\": \"plaid-5-00018\"}, {\"date_transacted\": \"2025-07-30\", \"date_posted\": \"2025-07-31\", \"amount\": -3000, \"description\": \"ACH CREDIT - 2308 Logan Rd\", \"currency\": \"USD\", \"transaction_id\": \"plaid-5-00019\"}, {\"date_transacted\": \"2025-07-30\", \"date_posted\": \"2025-07-31\", \"amount\": 18.77, \"description\": \"DUNKIN #4432 SOMEPLACE NY\", \"currency\": \"USD\", \"transaction_id\": \"plaid-5-00020\"}, {\"date_transacted\": \"2025-07-31\", \"date_posted\": \"2025-08-01\", \"amount\": 1691, \"description\": \"ACH DEBIT - BEST EVER MORTGAGE PAYMENT\", \"currency\": \"USD\", \"transaction_id\": \"plaid-5-00021\"}, {\"date_transacted\": \"2025-07-31\", \"date_posted\": \"2025-08-01\", \"amount\": 1671, \"description\": \"ACH DEBIT - CALLABLE MORTGAGE PAYMENT\", \"currency\": \"USD\", \"transaction_id\": \"plaid-5-00022\"}, {\"date_transacted\": \"2025-08-02\", \"date_posted\": \"2025-08-03\", \"amount\": -5000, \"description\": \"ACH CREDIT - 1013 Bloomfield Ave\", \"currency\": \"USD\", \"transaction_id\": \"plaid-5-00023\"}, {\"date_transacted\": \"2025-08-03\", \"date_posted\": \"2025-08-04\", \"amount\": 129.55, \"description\": \"SAFEWAY #312 SOMEPLACE NY\", \"currency\": \"USD\", \"transaction_id\": \"plaid-5-00024\"}, {\"date_transacted\": \"2025-08-05\", \"date_posted\": \"2025-08-06\", \"amount\": 54.35, \"description\": \"UBER TRIP HELP.UBER.COM\", \"currency\": \"USD\", \"transaction_id\": \"plaid-5-00025\"}, {\"date_transacted\": \"2025-08-09\", \"date_posted\": \"2025-08-10\", \"amount\": 93.44, \"description\": \"UTILITY PAYMENT - WATER COMPANY\", \"currency\": \"USD\", \"transaction_id\": \"plaid-5-00026\"}, {\"date_transacted\": \"2025-08-14\", \"date_posted\": \"2025-08-15\", \"amount\": -3050, \"description\": \"ACH CREDIT PAYROLL - COSTCO PAYROLL DIRECT DEPOSIT\", \"currency\": \"USD\", \"transaction_id\": \"plaid-5-00027\"}, {\"date_transacted\": \"2025-08-14\", \"date_posted\": \"2025-08-15\", \"amount\": 225, \"description\": \"ACH DEBIT - CAPITAL ONE CREDIT CARD PAYMENT\", \"currency\": \"USD\", \"transaction_id\": \"plaid-5-00028\"}, {\"date_transacted\": \"2025-08-14\", \"date_posted\": \"2025-08-15\", \"amount\": 1200, \"description\": \"ACH DEBIT - PRIME VISA PAYMENT\", \"currency\": \"USD\", \"transaction_id\": \"plaid-5-00029\"}, {\"date_transacted\": \"2025-08-14\", \"date_posted\": \"2025-08-15\", \"amount\": 180, \"description\": \"ACH DEBIT - RELENTLESS BANK CREDIT CARD\", \"currency\": \"USD\", \"transaction_id\": \"plaid-5-00030\"}, {\"date_transacted\": \"2025-08-15\", \"date_posted\": \"2025-08-16\", \"amount\": 84.22, \"description\": \"DINING - OLIVE GARDEN SOMEPLACE NY\", \"currency\": \"USD\", \"transaction_id\": \"plaid-5-00031\"}, {\"date_transacted\": \"2025-08-16\", \"date_posted\": \"2025-08-17\", \"amount\": 35, \"description\": \"SUBSCRIPTION - APPLE ICLOUD STORAGE\", \"currency\": \"USD\", \"transaction_id\": \"plaid-5-00032\"}, {\"date_transacted\": \"2025-08-22\", \"date_posted\": \"2025-08-23\", \"amount\": 124.37, \"description\": \"CHECK #1052\", \"currency\": \"USD\", \"transaction_id\": \"plaid-5-00033\"}, {\"date_transacted\": \"2025-08-24\", \"date_posted\": \"2025-08-25\", \"amount\": 1000, \"description\": \"ONLINE TRANSFER TO SAVINGS\", \"currency\": \"USD\", \"transaction_id\": \"plaid-5-00034\"}, {\"date_transacted\": \"2025-08-26\", \"date_posted\": \"2025-08-27\", \"amount\": 350, \"description\": \"GEICO AUTO INSURANCE PREMIUM\", \"currency\": \"USD\", \"transaction_id\": \"plaid-5-00035\"}, {\"date_transacted\": \"2025-08-28\", \"date_posted\": \"2025-08-29\", \"amount\": 59.44, \"description\": \"NETFLIX/STREAMING SERVICES\", \"currency\": \"USD\", \"transaction_id\": \"plaid-5-00036\"}, {\"date_transacted\": \"2025-08-30\", \"date_posted\": \"2025-08-31\", \"amount\": -3000, \"description\": \"ACH CREDIT - 2308 Logan Rd\", \"currency\": \"USD\", \"transaction_id\": \"plaid-5-00037\"}, {\"date_transacted\": \"2025-08-30\", \"date_posted\": \"2025-08-31\", \"amount\": 18.77, \"description\": \"DUNKIN #4432 SOMEPLACE NY\", \"currency\": \"USD\", \"transaction_id\": \"plaid-5-00038\"}, {\"date_transacted\": \"2025-08-31\", \"date_posted\": \"2025-09-01\", \"amount\": 1691, \"description\": \"ACH DEBIT - BEST EVER MORTGAGE PAYMENT\", \"currency\": \"USD\", \"transaction_id\": \"plaid-5-00039\"}, {\"date_transacted\": \"2025-08-31\", \"date_posted\": \"2025-09-01\", \"amount\": 1671, \"description\": \"ACH DEBIT - CALLABLE MORTGAGE PAYMENT\", \"currency\": \"USD\", \"transaction_id\": \"plaid-5-00040\"}, {\"date_transacted\": \"2025-09-02\", \"date_posted\": \"2025-09-03\", \"amount\": -5000, \"description\": \"ACH CREDIT - 1013 Bloomfield Ave\", \"currency\": \"USD\", \"transaction_id\": \"plaid-5-00041\"}], \"identity\": {\"names\": [\"Andy America\"], \"emails\": [{\"primary\": true, \"type\": \"primary\", \"data\": \"andyamerica@company.com\"}], \"addresses\": [{\"primary\": true, \"data\": {\"country\": \"US\", \"city\": \"Someplace\", \"street\": \"4321 Cul de Sac St\", \"postal_code\": \"10001\", \"region\": \"NY\"}}]}}, {\"type\": \"depository\", \"subtype\": \"savings\", \"starting_balance\": 38000, \"currency\": \"USD\", \"numbers\": {\"account\": \"555666777000\"}, \"transactions\": [{\"date_transacted\": \"2025-07-19\", \"date_posted\": \"2025-07-20\", \"amount\": -2000, \"description\": \"ACH CREDIT - BONUS SAVINGS CLUB\", \"currency\": \"USD\", \"transaction_id\": \"plaid-5-00042\"}, {\"date_transacted\": \"2025-07-24\", \"date_posted\": \"2025-07-25\", \"amount\": -1000, \"description\": \"ONLINE TRANSFER FROM CHECKING\", \"currency\": \"USD\", \"transaction_id\": \"plaid-5-00043\"}, {\"date_transacted\": \"2025-07-30\", \"date_posted\": \"2025-07-31\", \"amount\": -11.6, \"description\": \"INTEREST CREDIT\", \"currency\": \"USD\", \"transaction_id\": \"plaid-5-00044\"}, {\"date_transacted\": \"2025-07-31\", \"date_posted\": \"2025-08-01\", \"amount\": -11.85, \"description\": \"INTEREST CREDIT\", \"currency\": \"USD\", \"transaction_id\": \"plaid-5-00045\"}, {\"date_transacted\": \"2025-08-24\", \"date_posted\": \"2025-08-25\", \"amount\": -1000, \"description\": \"ONLINE TRANSFER FROM CHECKING\", \"currency\": \"USD\", \"transaction_id\": \"plaid-5-00046\"}, {\"date_transacted\": \"2025-08-30\", \"date_posted\": \"2025-08-31\", \"amount\": -11.6, \"description\": \"INTEREST CREDIT\", \"currency\": \"USD\", \"transaction_id\": \"plaid-5-00047\"}, {\"date_transacted\": \"2025-08-31\", \"date_posted\": \"2025-09-01\", \"amount\": -11.85, \"description\": \"INTEREST CREDIT\", \"currency\": \"USD\", \"transaction_id\": \"plaid-5-00048\"}], \"identity\": {\"names\": [\"Andy America\"]}}, {\"type\": \"investment\", \"subtype\": \"401k\", \"starting_balance\": 50750, \"currency\": \"USD\", \"numbers\": {\"account\": \"401k556677\"}, \"transactions\": [{\"date_transacted\": \"2025-07-14\", \"date_posted\": \"2025-07-15\", \"amount\": -525, \"description\": \"401K CONTRIBUTION - EMPLOYEE DEFERRAL (COSTCO PAYROLL)\", \"currency\": \"USD\", \"transaction_id\": \"plaid-5-00049\"}, {\"date_transacted\": \"2025-07-14\", \"date_posted\": \"2025-07-15\", \"amount\": -262.5, \"description\": \"401K CONTRIBUTION - EMPLOYER MATCH (COSTCO)\", \"currency\": \"USD\", \"transaction_id\": \"plaid-5-00050\"}, {\"date_transacted\": \"2025-07-30\", \"date_posted\": \"2025-07-31\", \"amount\": -375, \"description\": \"MARKET APPRECIATION / DIVIDENDS\", \"currency\": \"USD\", \"transaction_id\": \"plaid-5-00051\"}, {\"date_transacted\": \"2025-08-14\", \"date_posted\": \"2025-08-15\", \"amount\": -525, \"description\": \"401K CONTRIBUTION - EMPLOYEE DEFERRAL (COSTCO PAYROLL)\", \"currency\": \"USD\", \"transaction_id\": \"plaid-5-00052\"}, {\"date_transacted\": \"2025-08-14\", \"date_posted\": \"2025-08-15\", \"amount\": -262.5, \"description\": \"401K CONTRIBUTION - EMPLOYER MATCH (COSTCO)\", \"currency\": \"USD\", \"transaction_id\": \"plaid-5-00053\"}, {\"date_transacted\": \"2025-08-14\", \"date_posted\": \"2025-08-15\", \"amount\": -185, \"description\": \"DIVIDEND REINVESTMENT\", \"currency\": \"USD\", \"transaction_id\": \"plaid-5-00054\"}], \"identity\": {\"names\": [\"Andy America\"]}}]}", "ulad_du": "<MESSAGE xmlns=\"http://www.mismo.org/residential/2009/schemas\" xmlns:ULAD=\"http://www.datamodelextension.org/Schema/ULAD\" xmlns:DU=\"http://www.datamodelextension.org/Schema/DU\" xmlns:xlink=\"http://www.w3.org/1999/xlink\" MISMOReferenceModelIdentifier=\"3.4.032420160128\">\n <ABOUT_VERSIONS>\n <ABOUT_VERSION>\n <AboutVersionIdentifier>DU Spec 1.8.5</AboutVersionIdentifier>\n <CreatedDatetime>2025-09-02T15:23:17.031596351Z</CreatedDatetime>\n </ABOUT_VERSION>\n </ABOUT_VERSIONS>\n <DEAL_SETS>\n <DEAL_SET>\n <DEALS>\n <DEAL>\n <ASSETS>\n <ASSET SequenceNumber=\"1\" xlink:label=\"ASSET_1\">\n <ASSET_DETAIL>\n <AssetAccountIdentifier>3000</AssetAccountIdentifier>\n <AssetCashOrMarketValueAmount>90345.00</AssetCashOrMarketValueAmount>\n <AssetType>CheckingAccount</AssetType>\n </ASSET_DETAIL>\n <ASSET_HOLDER>\n <NAME>\n <FullName>First Platypus Bank</FullName>\n </NAME>\n </ASSET_HOLDER>\n </ASSET>\n <ASSET SequenceNumber=\"2\" xlink:label=\"ASSET_2\">\n <ASSET_DETAIL>\n <AssetAccountIdentifier>7000</AssetAccountIdentifier>\n <AssetCashOrMarketValueAmount>38000.00</AssetCashOrMarketValueAmount>\n <AssetType>SavingsAccount</AssetType>\n </ASSET_DETAIL>\n <ASSET_HOLDER>\n <NAME>\n <FullName>First Platypus Bank</FullName>\n </NAME>\n </ASSET_HOLDER>\n </ASSET>\n <ASSET SequenceNumber=\"3\" xlink:label=\"ASSET_3\">\n <ASSET_DETAIL>\n <AssetAccountIdentifier>6677</AssetAccountIdentifier>\n <AssetCashOrMarketValueAmount>50750.00</AssetCashOrMarketValueAmount>\n <AssetType>RetirementFund</AssetType>\n </ASSET_DETAIL>\n <ASSET_HOLDER>\n <NAME>\n <FullName>First Platypus Bank</FullName>\n </NAME>\n </ASSET_HOLDER>\n </ASSET>\n <ASSET SequenceNumber=\"4\" xlink:label=\"ASSET_4\">\n <ASSET_DETAIL>\n <AssetType>RealEstateOwned</AssetType>\n </ASSET_DETAIL>\n <OWNED_PROPERTY>\n <OWNED_PROPERTY_DETAIL>\n <OwnedPropertyDispositionStatusType>Retain</OwnedPropertyDispositionStatusType>\n <OwnedPropertyLienUPBAmount>210279.00</OwnedPropertyLienUPBAmount>\n <OwnedPropertySubjectIndicator>true</OwnedPropertySubjectIndicator>\n </OWNED_PROPERTY_DETAIL>\n <PROPERTY>\n <ADDRESS>\n <AddressLineText>1013 Bloomfield Ave</AddressLineText>\n <CityName>Asbury Park</CityName>\n <CountryCode>US</CountryCode>\n <PostalCode>07712</PostalCode>\n <StateCode>NJ</StateCode>\n </ADDRESS>\n <PROPERTY_DETAIL>\n <PropertyEstimatedValueAmount>1000000.00</PropertyEstimatedValueAmount>\n </PROPERTY_DETAIL>\n <PROPERTY_VALUATIONS>\n <PROPERTY_VALUATION>\n <PROPERTY_VALUATION_DETAIL></PROPERTY_VALUATION_DETAIL>\n </PROPERTY_VALUATION>\n </PROPERTY_VALUATIONS>\n </PROPERTY>\n </OWNED_PROPERTY>\n </ASSET>\n <ASSET SequenceNumber=\"5\" xlink:label=\"ASSET_5\">\n <ASSET_DETAIL>\n <AssetType>RealEstateOwned</AssetType>\n </ASSET_DETAIL>\n <OWNED_PROPERTY>\n <OWNED_PROPERTY_DETAIL>\n <OwnedPropertyDispositionStatusType>Retain</OwnedPropertyDispositionStatusType>\n <OwnedPropertyLienUPBAmount>210027.00</OwnedPropertyLienUPBAmount>\n <OwnedPropertyRentalIncomeGrossAmount>3000.00</OwnedPropertyRentalIncomeGrossAmount>\n <OwnedPropertySubjectIndicator>false</OwnedPropertySubjectIndicator>\n </OWNED_PROPERTY_DETAIL>\n <PROPERTY>\n <ADDRESS>\n <AddressLineText>2308 Logan Rd</AddressLineText>\n <CityName>Asbury Park</CityName>\n <CountryCode>US</CountryCode>\n <PostalCode>07712</PostalCode>\n <StateCode>NJ</StateCode>\n </ADDRESS>\n <PROPERTY_DETAIL>\n <PropertyCurrentUsageType>Investment</PropertyCurrentUsageType>\n <PropertyEstimatedValueAmount>1000000.00</PropertyEstimatedValueAmount>\n <PropertyUsageType>Investment</PropertyUsageType>\n </PROPERTY_DETAIL>\n </PROPERTY>\n </OWNED_PROPERTY>\n </ASSET>\n </ASSETS>\n <COLLATERALS>\n <COLLATERAL>\n <SUBJECT_PROPERTY>\n <ADDRESS>\n <AddressLineText>1013 Bloomfield Ave</AddressLineText>\n <CityName>Asbury Park</CityName>\n <CountryCode>US</CountryCode>\n <PostalCode>07712</PostalCode>\n <StateCode>NJ</StateCode>\n </ADDRESS>\n <LOCATION_IDENTIFIER>\n <FIPS_INFORMATION>\n <FIPSCountyCode>025</FIPSCountyCode>\n <FIPSStateNumericCode>34</FIPSStateNumericCode>\n </FIPS_INFORMATION>\n </LOCATION_IDENTIFIER>\n <PROPERTY_DETAIL>\n <AttachmentType>Detached</AttachmentType>\n <CommunityPropertyStateIndicator>false</CommunityPropertyStateIndicator>\n <ConstructionMethodType>SiteBuilt</ConstructionMethodType>\n <FHASecondaryResidenceIndicator>false</FHASecondaryResidenceIndicator>\n <FinancedUnitCount>1</FinancedUnitCount>\n <PropertyEstateType>FeeSimple</PropertyEstateType>\n <PropertyEstimatedValueAmount>1000000.00</PropertyEstimatedValueAmount>\n <PropertyExistingCleanEnergyLienIndicator>false</PropertyExistingCleanEnergyLienIndicator>\n <PropertyInProjectIndicator>false</PropertyInProjectIndicator>\n <PropertyMixedUsageIndicator>false</PropertyMixedUsageIndicator>\n <PUDIndicator>false</PUDIndicator>\n </PROPERTY_DETAIL>\n <PROPERTY_VALUATIONS>\n <PROPERTY_VALUATION>\n <PROPERTY_VALUATION_DETAIL></PROPERTY_VALUATION_DETAIL>\n </PROPERTY_VALUATION>\n </PROPERTY_VALUATIONS>\n </SUBJECT_PROPERTY>\n </COLLATERAL>\n </COLLATERALS>\n <LIABILITIES>\n <LIABILITY SequenceNumber=\"1\" xlink:label=\"LIABILITY_1\">\n <LIABILITY_DETAIL>\n <LiabilityAccountIdentifier>502088</LiabilityAccountIdentifier>\n <LiabilityExclusionIndicator>false</LiabilityExclusionIndicator>\n <LiabilityMonthlyPaymentAmount>1691.00</LiabilityMonthlyPaymentAmount>\n <LiabilityPaymentIncludesTaxesInsuranceIndicator>false</LiabilityPaymentIncludesTaxesInsuranceIndicator>\n <LiabilityPayoffStatusIndicator>false</LiabilityPayoffStatusIndicator>\n <LiabilityType>MortgageLoan</LiabilityType>\n <LiabilityUnpaidBalanceAmount>210279.00</LiabilityUnpaidBalanceAmount>\n <SubjectLoanResubordinationIndicator>false</SubjectLoanResubordinationIndicator>\n </LIABILITY_DETAIL>\n <LIABILITY_HOLDER>\n <NAME>\n <FullName>BEST EVER MORTGAGE</FullName>\n </NAME>\n </LIABILITY_HOLDER>\n </LIABILITY>\n <LIABILITY SequenceNumber=\"2\" xlink:label=\"LIABILITY_2\">\n <LIABILITY_DETAIL>\n <LiabilityAccountIdentifier>757570</LiabilityAccountIdentifier>\n <LiabilityExclusionIndicator>false</LiabilityExclusionIndicator>\n <LiabilityMonthlyPaymentAmount>1671.00</LiabilityMonthlyPaymentAmount>\n <LiabilityPaymentIncludesTaxesInsuranceIndicator>true</LiabilityPaymentIncludesTaxesInsuranceIndicator>\n <LiabilityPayoffStatusIndicator>false</LiabilityPayoffStatusIndicator>\n <LiabilityType>MortgageLoan</LiabilityType>\n <LiabilityUnpaidBalanceAmount>210027.00</LiabilityUnpaidBalanceAmount>\n <SubjectLoanResubordinationIndicator>false</SubjectLoanResubordinationIndicator>\n </LIABILITY_DETAIL>\n <LIABILITY_HOLDER>\n <NAME>\n <FullName>CALLABLE MORTGAGE</FullName>\n </NAME>\n </LIABILITY_HOLDER>\n </LIABILITY>\n <LIABILITY SequenceNumber=\"3\" xlink:label=\"LIABILITY_3\">\n <LIABILITY_DETAIL>\n <LiabilityAccountIdentifier>435617</LiabilityAccountIdentifier>\n <LiabilityExclusionIndicator>false</LiabilityExclusionIndicator>\n <LiabilityMonthlyPaymentAmount>133.00</LiabilityMonthlyPaymentAmount>\n <LiabilityPayoffStatusIndicator>false</LiabilityPayoffStatusIndicator>\n <LiabilityType>Revolving</LiabilityType>\n <LiabilityUnpaidBalanceAmount>4665.00</LiabilityUnpaidBalanceAmount>\n </LIABILITY_DETAIL>\n <LIABILITY_HOLDER>\n <NAME>\n <FullName>ALLEN BANK CARD</FullName>\n </NAME>\n </LIABILITY_HOLDER>\n </LIABILITY>\n <LIABILITY SequenceNumber=\"4\" xlink:label=\"LIABILITY_4\">\n <LIABILITY_DETAIL>\n <LiabilityAccountIdentifier>200021</LiabilityAccountIdentifier>\n <LiabilityExclusionIndicator>false</LiabilityExclusionIndicator>\n <LiabilityMonthlyPaymentAmount>46.00</LiabilityMonthlyPaymentAmount>\n <LiabilityPayoffStatusIndicator>false</LiabilityPayoffStatusIndicator>\n <LiabilityRemainingTermMonthsCount>37</LiabilityRemainingTermMonthsCount>\n <LiabilityType>Installment</LiabilityType>\n <LiabilityUnpaidBalanceAmount>1554.00</LiabilityUnpaidBalanceAmount>\n </LIABILITY_DETAIL>\n <LIABILITY_HOLDER>\n <NAME>\n <FullName>RELENTLESS BANK</FullName>\n </NAME>\n </LIABILITY_HOLDER>\n </LIABILITY>\n <LIABILITY SequenceNumber=\"5\" xlink:label=\"LIABILITY_5\">\n <LIABILITY_DETAIL>\n <LiabilityAccountIdentifier>171442</LiabilityAccountIdentifier>\n <LiabilityExclusionIndicator>false</LiabilityExclusionIndicator>\n <LiabilityMonthlyPaymentAmount>27.00</LiabilityMonthlyPaymentAmount>\n <LiabilityPayoffStatusIndicator>false</LiabilityPayoffStatusIndicator>\n <LiabilityType>Revolving</LiabilityType>\n <LiabilityUnpaidBalanceAmount>1357.00</LiabilityUnpaidBalanceAmount>\n </LIABILITY_DETAIL>\n <LIABILITY_HOLDER>\n <NAME>\n <FullName>BURSTING CREDIT</FullName>\n </NAME>\n </LIABILITY_HOLDER>\n </LIABILITY>\n <LIABILITY SequenceNumber=\"6\" xlink:label=\"LIABILITY_6\">\n <LIABILITY_DETAIL>\n <LiabilityAccountIdentifier>411711911</LiabilityAccountIdentifier>\n <LiabilityExclusionIndicator>false</LiabilityExclusionIndicator>\n <LiabilityMonthlyPaymentAmount>40.00</LiabilityMonthlyPaymentAmount>\n <LiabilityPayoffStatusIndicator>false</LiabilityPayoffStatusIndicator>\n <LiabilityType>Revolving</LiabilityType>\n <LiabilityUnpaidBalanceAmount>450.00</LiabilityUnpaidBalanceAmount>\n </LIABILITY_DETAIL>\n <LIABILITY_HOLDER>\n <NAME>\n <FullName>PRIME VISA</FullName>\n </NAME>\n </LIABILITY_HOLDER>\n </LIABILITY>\n <LIABILITY SequenceNumber=\"7\" xlink:label=\"LIABILITY_7\">\n <LIABILITY_DETAIL>\n <LiabilityAccountIdentifier>529115</LiabilityAccountIdentifier>\n <LiabilityExclusionIndicator>false</LiabilityExclusionIndicator>\n <LiabilityMonthlyPaymentAmount>10.00</LiabilityMonthlyPaymentAmount>\n <LiabilityPayoffStatusIndicator>false</LiabilityPayoffStatusIndicator>\n <LiabilityType>Revolving</LiabilityType>\n <LiabilityUnpaidBalanceAmount>29.00</LiabilityUnpaidBalanceAmount>\n </LIABILITY_DETAIL>\n <LIABILITY_HOLDER>\n <NAME>\n <FullName>CAPITAL BANK</FullName>\n </NAME>\n </LIABILITY_HOLDER>\n </LIABILITY>\n <LIABILITY_SUMMARY>\n <TotalNonSubjectPropertyDebtsToBePaidOffAmount>0.00</TotalNonSubjectPropertyDebtsToBePaidOffAmount>\n <TotalSubjectPropertyPayoffsAndPaymentsAmount>0.00</TotalSubjectPropertyPayoffsAndPaymentsAmount>\n </LIABILITY_SUMMARY>\n </LIABILITIES>\n <LOANS>\n <LOAN SequenceNumber=\"1\" LoanRoleType=\"SubjectLoan\" xlink:label=\"LOAN_1\">\n <AFFORDABLE_LENDING></AFFORDABLE_LENDING>\n <CLOSING_INFORMATION>\n <CLOSING_ADJUSTMENT_ITEMS></CLOSING_ADJUSTMENT_ITEMS>\n <CLOSING_INFORMATION_DETAIL></CLOSING_INFORMATION_DETAIL>\n </CLOSING_INFORMATION>\n <DOCUMENT_SPECIFIC_DATA_SETS>\n <DOCUMENT_SPECIFIC_DATA_SET>\n <URLA>\n <URLA_DETAIL></URLA_DETAIL>\n </URLA>\n </DOCUMENT_SPECIFIC_DATA_SET>\n </DOCUMENT_SPECIFIC_DATA_SETS>\n <HOUSING_EXPENSES></HOUSING_EXPENSES>\n <LOAN_DETAIL>\n <BalloonIndicator>false</BalloonIndicator>\n <BelowMarketSubordinateFinancingIndicator>false</BelowMarketSubordinateFinancingIndicator>\n <BorrowerCount>1</BorrowerCount>\n <BuydownTemporarySubsidyFundingIndicator>false</BuydownTemporarySubsidyFundingIndicator>\n <ConstructionLoanIndicator>false</ConstructionLoanIndicator>\n <ConversionOfContractForDeedIndicator>false</ConversionOfContractForDeedIndicator>\n <EnergyRelatedImprovementsIndicator>false</EnergyRelatedImprovementsIndicator>\n <InterestOnlyIndicator>false</InterestOnlyIndicator>\n <NegativeAmortizationIndicator>false</NegativeAmortizationIndicator>\n <PrepaymentPenaltyIndicator>false</PrepaymentPenaltyIndicator>\n <RenovationLoanIndicator>false</RenovationLoanIndicator>\n <TotalMortgagedPropertiesCount>2</TotalMortgagedPropertiesCount>\n </LOAN_DETAIL>\n <LOAN_IDENTIFIERS>\n <LOAN_IDENTIFIER>\n <LoanIdentifier>89811904866</LoanIdentifier>\n <LoanIdentifierType>UniversalLoan</LoanIdentifierType>\n </LOAN_IDENTIFIER>\n </LOAN_IDENTIFIERS>\n <ORIGINATION_SYSTEMS>\n <ORIGINATION_SYSTEM>\n <LoanOriginationSystemName>TidalWave SOLO</LoanOriginationSystemName>\n <LoanOriginationSystemVendorIdentifier>TidalWave</LoanOriginationSystemVendorIdentifier>\n <LoanOriginationSystemVersionIdentifier>1.0</LoanOriginationSystemVersionIdentifier>\n </ORIGINATION_SYSTEM>\n </ORIGINATION_SYSTEMS>\n <REFINANCE>\n <RefinanceCashOutDeterminationType>CashOut</RefinanceCashOutDeterminationType>\n <RefinancePrimaryPurposeType>Other</RefinancePrimaryPurposeType>\n </REFINANCE>\n <TERMS_OF_LOAN>\n <BaseLoanAmount>500000.00</BaseLoanAmount>\n <LienPriorityType>FirstLien</LienPriorityType>\n <LoanPurposeType>Refinance</LoanPurposeType>\n <MortgageType>Conventional</MortgageType>\n <NoteRatePercent>0.000</NoteRatePercent>\n </TERMS_OF_LOAN>\n </LOAN>\n </LOANS>\n <PARTIES>\n <PARTY>\n <INDIVIDUAL>\n <CONTACT_POINTS>\n <CONTACT_POINT>\n <CONTACT_POINT_TELEPHONE>\n <ContactPointTelephoneValue>9999999999</ContactPointTelephoneValue>\n </CONTACT_POINT_TELEPHONE>\n <CONTACT_POINT_DETAIL>\n <ContactPointRoleType>Mobile</ContactPointRoleType>\n </CONTACT_POINT_DETAIL>\n </CONTACT_POINT>\n <CONTACT_POINT>\n <CONTACT_POINT_EMAIL>\n <ContactPointEmailValue>drindner+andytest11@tidalhq.com</ContactPointEmailValue>\n </CONTACT_POINT_EMAIL>\n </CONTACT_POINT>\n </CONTACT_POINTS>\n <NAME>\n <FirstName>Andy</FirstName>\n <LastName>America</LastName>\n </NAME>\n </INDIVIDUAL>\n <ROLES>\n <ROLE SequenceNumber=\"1\" xlink:label=\"BORROWER_1\">\n <BORROWER>\n <BORROWER_DETAIL>\n <BorrowerBirthDate>1991-03-01</BorrowerBirthDate>\n <CommunityPropertyStateResidentIndicator>false</CommunityPropertyStateResidentIndicator>\n <DependentCount>0</DependentCount>\n <MaritalStatusType>Married</MaritalStatusType>\n </BORROWER_DETAIL>\n <CURRENT_INCOME>\n <CURRENT_INCOME_ITEMS>\n <CURRENT_INCOME_ITEM SequenceNumber=\"1\" xlink:label=\"CURRENT_INCOME_ITEM_1_1\">\n <CURRENT_INCOME_ITEM_DETAIL>\n <CurrentIncomeMonthlyTotalAmount>10000.00</CurrentIncomeMonthlyTotalAmount>\n <EmploymentIncomeIndicator>true</EmploymentIncomeIndicator>\n <IncomeType>Base</IncomeType>\n </CURRENT_INCOME_ITEM_DETAIL>\n </CURRENT_INCOME_ITEM>\n <CURRENT_INCOME_ITEM SequenceNumber=\"2\" xlink:label=\"CURRENT_INCOME_ITEM_1_2\">\n <CURRENT_INCOME_ITEM_DETAIL>\n <CurrentIncomeMonthlyTotalAmount>20000.00</CurrentIncomeMonthlyTotalAmount>\n <EmploymentIncomeIndicator>false</EmploymentIncomeIndicator>\n <IncomeType>Pension</IncomeType>\n </CURRENT_INCOME_ITEM_DETAIL>\n </CURRENT_INCOME_ITEM>\n </CURRENT_INCOME_ITEMS>\n </CURRENT_INCOME>\n <DECLARATION>\n <DECLARATION_DETAIL>\n <BankruptcyIndicator>false</BankruptcyIndicator>\n <CitizenshipResidencyType>USCitizen</CitizenshipResidencyType>\n <HomeownerPastThreeYearsType>Yes</HomeownerPastThreeYearsType>\n <IntentToOccupyType>No</IntentToOccupyType>\n <OutstandingJudgmentsIndicator>false</OutstandingJudgmentsIndicator>\n <PartyToLawsuitIndicator>false</PartyToLawsuitIndicator>\n <PresentlyDelinquentIndicator>false</PresentlyDelinquentIndicator>\n <PriorPropertyDeedInLieuConveyedIndicator>false</PriorPropertyDeedInLieuConveyedIndicator>\n <PriorPropertyForeclosureCompletedIndicator>false</PriorPropertyForeclosureCompletedIndicator>\n <PriorPropertyShortSaleCompletedIndicator>false</PriorPropertyShortSaleCompletedIndicator>\n <PropertyProposedCleanEnergyLienIndicator>false</PropertyProposedCleanEnergyLienIndicator>\n <UndisclosedBorrowedFundsIndicator>false</UndisclosedBorrowedFundsIndicator>\n <UndisclosedComakerOfNoteIndicator>false</UndisclosedComakerOfNoteIndicator>\n <UndisclosedCreditApplicationIndicator>false</UndisclosedCreditApplicationIndicator>\n <UndisclosedMortgageApplicationIndicator>false</UndisclosedMortgageApplicationIndicator>\n </DECLARATION_DETAIL>\n </DECLARATION>\n <DEPENDENTS></DEPENDENTS>\n <EMPLOYERS>\n <EMPLOYER SequenceNumber=\"1\" xlink:label=\"EMPLOYER_1_1\">\n <LEGAL_ENTITY>\n <LEGAL_ENTITY_DETAIL>\n <FullName>Costco</FullName>\n </LEGAL_ENTITY_DETAIL>\n </LEGAL_ENTITY>\n <EMPLOYMENT>\n <EmploymentBorrowerSelfEmployedIndicator>false</EmploymentBorrowerSelfEmployedIndicator>\n <EmploymentClassificationType>Secondary</EmploymentClassificationType>\n <EmploymentPositionDescription>Manager</EmploymentPositionDescription>\n <EmploymentStartDate>2020-01-01</EmploymentStartDate>\n <EmploymentStatusType>Current</EmploymentStatusType>\n <EmploymentTimeInLineOfWorkMonthsCount>120</EmploymentTimeInLineOfWorkMonthsCount>\n <SpecialBorrowerEmployerRelationshipIndicator>false</SpecialBorrowerEmployerRelationshipIndicator>\n <EXTENSION>\n <OTHER>\n <DU:EMPLOYMENT_EXTENSION>\n <DU:ForeignIncomeIndicator>false</DU:ForeignIncomeIndicator>\n <DU:SeasonalIncomeIndicator>false</DU:SeasonalIncomeIndicator>\n </DU:EMPLOYMENT_EXTENSION>\n </OTHER>\n </EXTENSION>\n </EMPLOYMENT>\n </EMPLOYER>\n </EMPLOYERS>\n <GOVERNMENT_BORROWER></GOVERNMENT_BORROWER>\n <GOVERNMENT_MONITORING>\n <GOVERNMENT_MONITORING_DETAIL>\n <HMDAEthnicityCollectedBasedOnVisualObservationOrSurnameIndicator>false</HMDAEthnicityCollectedBasedOnVisualObservationOrSurnameIndicator>\n <HMDAEthnicityRefusalIndicator>false</HMDAEthnicityRefusalIndicator>\n <HMDAGenderCollectedBasedOnVisualObservationOrNameIndicator>false</HMDAGenderCollectedBasedOnVisualObservationOrNameIndicator>\n <HMDAGenderRefusalIndicator>false</HMDAGenderRefusalIndicator>\n <HMDARaceCollectedBasedOnVisualObservationOrSurnameIndicator>false</HMDARaceCollectedBasedOnVisualObservationOrSurnameIndicator>\n <HMDARaceRefusalIndicator>false</HMDARaceRefusalIndicator>\n <EXTENSION>\n <OTHER>\n <ULAD:GOVERNMENT_MONITORING_DETAIL_EXTENSION></ULAD:GOVERNMENT_MONITORING_DETAIL_EXTENSION>\n </OTHER>\n </EXTENSION>\n </GOVERNMENT_MONITORING_DETAIL>\n </GOVERNMENT_MONITORING>\n <RESIDENCES>\n <RESIDENCE>\n <ADDRESS>\n <AddressLineText>4321 Cul de Sac St</AddressLineText>\n <CityName>Somplace</CityName>\n <CountryCode>US</CountryCode>\n <PostalCode>02723</PostalCode>\n <StateCode>MA</StateCode>\n </ADDRESS>\n <RESIDENCE_DETAIL>\n <BorrowerResidencyBasisType>Own</BorrowerResidencyBasisType>\n <BorrowerResidencyDurationMonthsCount>120</BorrowerResidencyDurationMonthsCount>\n <BorrowerResidencyType>Current</BorrowerResidencyType>\n </RESIDENCE_DETAIL>\n </RESIDENCE>\n </RESIDENCES>\n </BORROWER>\n <ROLE_DETAIL>\n <PartyRoleType>Borrower</PartyRoleType>\n </ROLE_DETAIL>\n </ROLE>\n </ROLES>\n <TAXPAYER_IDENTIFIERS>\n <TAXPAYER_IDENTIFIER>\n <TaxpayerIdentifierType>SocialSecurityNumber</TaxpayerIdentifierType>\n <TaxpayerIdentifierValue>999603333</TaxpayerIdentifierValue>\n </TAXPAYER_IDENTIFIER>\n </TAXPAYER_IDENTIFIERS>\n </PARTY>\n <PARTY>\n <INDIVIDUAL>\n <NAME></NAME>\n </INDIVIDUAL>\n <ROLES>\n <ROLE SequenceNumber=\"1\" xlink:label=\"PROPERTY_OWNER_1\">\n <PROPERTY_OWNER>\n <PropertyOwnerStatusType>Proposed</PropertyOwnerStatusType>\n </PROPERTY_OWNER>\n <ROLE_DETAIL>\n <PartyRoleType>PropertyOwner</PartyRoleType>\n </ROLE_DETAIL>\n </ROLE>\n </ROLES>\n </PARTY>\n </PARTIES>\n <RELATIONSHIPS>\n <RELATIONSHIP SequenceNumber=\"1\" xlink:arcrole=\"urn:fdc:mismo.org:2009:residential/CURRENT_INCOME_ITEM_IsAssociatedWith_EMPLOYER\" xlink:from=\"CURRENT_INCOME_ITEM_1_1\" xlink:to=\"EMPLOYER_1_1\"></RELATIONSHIP>\n <RELATIONSHIP SequenceNumber=\"2\" xlink:arcrole=\"urn:fdc:mismo.org:2009:residential/ASSET_IsAssociatedWith_ROLE\" xlink:from=\"ASSET_1\" xlink:to=\"BORROWER_1\"></RELATIONSHIP>\n <RELATIONSHIP SequenceNumber=\"3\" xlink:arcrole=\"urn:fdc:mismo.org:2009:residential/ASSET_IsAssociatedWith_ROLE\" xlink:from=\"ASSET_2\" xlink:to=\"BORROWER_1\"></RELATIONSHIP>\n <RELATIONSHIP SequenceNumber=\"4\" xlink:arcrole=\"urn:fdc:mismo.org:2009:residential/ASSET_IsAssociatedWith_ROLE\" xlink:from=\"ASSET_3\" xlink:to=\"BORROWER_1\"></RELATIONSHIP>\n <RELATIONSHIP SequenceNumber=\"5\" xlink:arcrole=\"urn:fdc:mismo.org:2009:residential/ASSET_IsAssociatedWith_ROLE\" xlink:from=\"ASSET_4\" xlink:to=\"BORROWER_1\"></RELATIONSHIP>\n <RELATIONSHIP SequenceNumber=\"6\" xlink:arcrole=\"urn:fdc:mismo.org:2009:residential/LIABILITY_IsAssociatedWith_ROLE\" xlink:from=\"LIABILITY_1\" xlink:to=\"BORROWER_1\"></RELATIONSHIP>\n <RELATIONSHIP SequenceNumber=\"7\" xlink:arcrole=\"urn:fdc:mismo.org:2009:residential/ASSET_IsAssociatedWith_LIABILITY\" xlink:from=\"ASSET_4\" xlink:to=\"LIABILITY_1\"></RELATIONSHIP>\n <RELATIONSHIP SequenceNumber=\"8\" xlink:arcrole=\"urn:fdc:mismo.org:2009:residential/ASSET_IsAssociatedWith_ROLE\" xlink:from=\"ASSET_5\" xlink:to=\"BORROWER_1\"></RELATIONSHIP>\n <RELATIONSHIP SequenceNumber=\"9\" xlink:arcrole=\"urn:fdc:mismo.org:2009:residential/LIABILITY_IsAssociatedWith_ROLE\" xlink:from=\"LIABILITY_2\" xlink:to=\"BORROWER_1\"></RELATIONSHIP>\n <RELATIONSHIP SequenceNumber=\"10\" xlink:arcrole=\"urn:fdc:mismo.org:2009:residential/ASSET_IsAssociatedWith_LIABILITY\" xlink:from=\"ASSET_5\" xlink:to=\"LIABILITY_2\"></RELATIONSHIP>\n <RELATIONSHIP SequenceNumber=\"11\" xlink:arcrole=\"urn:fdc:mismo.org:2009:residential/LIABILITY_IsAssociatedWith_ROLE\" xlink:from=\"LIABILITY_3\" xlink:to=\"BORROWER_1\"></RELATIONSHIP>\n <RELATIONSHIP SequenceNumber=\"12\" xlink:arcrole=\"urn:fdc:mismo.org:2009:residential/LIABILITY_IsAssociatedWith_ROLE\" xlink:from=\"LIABILITY_4\" xlink:to=\"BORROWER_1\"></RELATIONSHIP>\n <RELATIONSHIP SequenceNumber=\"13\" xlink:arcrole=\"urn:fdc:mismo.org:2009:residential/LIABILITY_IsAssociatedWith_ROLE\" xlink:from=\"LIABILITY_5\" xlink:to=\"BORROWER_1\"></RELATIONSHIP>\n <RELATIONSHIP SequenceNumber=\"14\" xlink:arcrole=\"urn:fdc:mismo.org:2009:residential/LIABILITY_IsAssociatedWith_ROLE\" xlink:from=\"LIABILITY_6\" xlink:to=\"BORROWER_1\"></RELATIONSHIP>\n <RELATIONSHIP SequenceNumber=\"15\" xlink:arcrole=\"urn:fdc:mismo.org:2009:residential/LIABILITY_IsAssociatedWith_ROLE\" xlink:from=\"LIABILITY_7\" xlink:to=\"BORROWER_1\"></RELATIONSHIP>\n </RELATIONSHIPS>\n <SERVICES></SERVICES>\n </DEAL>\n </DEALS>\n </DEAL_SET>\n </DEAL_SETS>\n</MESSAGE>"}
|
| {"test_case_number": 6, "bank_statement": "{\"seed\": \"john-homeowner-mortgage-test-003\", \"override_accounts\": [{\"type\": \"depository\", \"subtype\": \"checking\", \"starting_balance\": 205500, \"currency\": \"USD\", \"numbers\": {\"account\": \"220011003344\"}, \"transactions\": [{\"date_transacted\": \"2025-07-20\", \"date_posted\": \"2025-07-21\", \"amount\": 92.18, \"description\": \"ONLINE BILL PAY DC WATER JUL25 PMT PPD ID:123456789\", \"transaction_id\": \"plaid-6-00001\"}, {\"date_transacted\": \"2025-07-21\", \"date_posted\": \"2025-07-22\", \"amount\": 129.99, \"description\": \"VERIZON WIRELESS AUTOPAY ID:6789-VZW PPD ID:987654321\", \"transaction_id\": \"plaid-6-00002\"}, {\"date_transacted\": \"2025-07-22\", \"date_posted\": \"2025-07-23\", \"amount\": 63.44, \"description\": \"SAFEWAY #312 WASHINGTON DC DEBIT CARD 4111\", \"transaction_id\": \"plaid-6-00003\"}, {\"date_transacted\": \"2025-07-23\", \"date_posted\": \"2025-07-24\", \"amount\": 24.85, \"description\": \"STARBUCKS #5567 WASHINGTON DC POS\", \"transaction_id\": \"plaid-6-00004\"}, {\"date_transacted\": \"2025-07-24\", \"date_posted\": \"2025-07-25\", \"amount\": 1200, \"description\": \"ACH DEBIT NJFSPC ID:4567-001 PPD ID:234567890\", \"transaction_id\": \"plaid-6-00005\"}, {\"date_transacted\": \"2025-07-25\", \"date_posted\": \"2025-07-26\", \"amount\": 56.12, \"description\": \"UBER TRIP *HELP.UBER.COM T22345\", \"transaction_id\": \"plaid-6-00006\"}, {\"date_transacted\": \"2025-07-26\", \"date_posted\": \"2025-07-27\", \"amount\": 145.2, \"description\": \"AMAZON.COM MKTPLACE PMTS AMZN.COM\", \"transaction_id\": \"plaid-6-00007\"}, {\"date_transacted\": \"2025-07-27\", \"date_posted\": \"2025-07-28\", \"amount\": 89.44, \"description\": \"NETFLIX.COM SUBSCRIPTION PPD ID:345678901\", \"transaction_id\": \"plaid-6-00008\"}, {\"date_transacted\": \"2025-07-28\", \"date_posted\": \"2025-07-29\", \"amount\": 76.34, \"description\": \"TRADER JOE'S #654 WASHINGTON DC 08-07 CARD PMT\", \"transaction_id\": \"plaid-6-00009\"}, {\"date_transacted\": \"2025-07-29\", \"date_posted\": \"2025-07-30\", \"amount\": 2400, \"description\": \"ZELLE PAYMENT TO SAMUEL P - JULY\", \"transaction_id\": \"plaid-6-00010\"}, {\"date_transacted\": \"2025-07-31\", \"date_posted\": \"2025-08-01\", \"amount\": -50000, \"description\": \"WIRE TRANSFER IN MARY HOMEOWNER REF#456789/ACH PPD ID:456789012\", \"transaction_id\": \"plaid-6-00011\"}, {\"date_transacted\": \"2025-08-01\", \"date_posted\": \"2025-08-02\", \"amount\": 18.77, \"description\": \"DUNKIN #4432 WASHINGTON DC DEBIT 0712\", \"transaction_id\": \"plaid-6-00012\"}, {\"date_transacted\": \"2025-08-02\", \"date_posted\": \"2025-08-03\", \"amount\": 65, \"description\": \"LYFT RIDE *HELP.LYFT.COM ID:L20254\", \"transaction_id\": \"plaid-6-00013\"}, {\"date_transacted\": \"2025-08-03\", \"date_posted\": \"2025-08-04\", \"amount\": -3050, \"description\": \"ACH DEPOSIT AAA INC PAYROLL ID:XYZ1234 PPD ID:567890123\", \"transaction_id\": \"plaid-6-00014\"}, {\"date_transacted\": \"2025-08-04\", \"date_posted\": \"2025-08-05\", \"amount\": 118.54, \"description\": \"GIANT FOOD #1450 WASHINGTON DC PMT\", \"transaction_id\": \"plaid-6-00015\"}, {\"date_transacted\": \"2025-08-05\", \"date_posted\": \"2025-08-06\", \"amount\": 72.94, \"description\": \"CHIPOTLE #441 RESTAURANT DC 0716\", \"transaction_id\": \"plaid-6-00016\"}, {\"date_transacted\": \"2025-08-06\", \"date_posted\": \"2025-08-07\", \"amount\": 64.22, \"description\": \"CVS PHARMACY #10421 DC\", \"transaction_id\": \"plaid-6-00017\"}, {\"date_transacted\": \"2025-08-07\", \"date_posted\": \"2025-08-08\", \"amount\": 42.33, \"description\": \"TARGET T-0743 WASHINGTON DC DEBIT\", \"transaction_id\": \"plaid-6-00018\"}, {\"date_transacted\": \"2025-08-08\", \"date_posted\": \"2025-08-09\", \"amount\": 72.94, \"description\": \"DINING BUSBOYS & POETS WASHINGTON DC\", \"transaction_id\": \"plaid-6-00019\"}, {\"date_transacted\": \"2025-08-09\", \"date_posted\": \"2025-08-10\", \"amount\": 500, \"description\": \"TOYOTA MOTOR CREDIT AUTO LOAN PMT PPD ID:678901234\", \"transaction_id\": \"plaid-6-00020\"}, {\"date_transacted\": \"2025-08-09\", \"date_posted\": \"2025-08-10\", \"amount\": 257, \"description\": \"JPMORGAN CHASE CREDIT PMT PPD ID:789012345\", \"transaction_id\": \"plaid-6-00021\"}, {\"date_transacted\": \"2025-08-09\", \"date_posted\": \"2025-08-10\", \"amount\": 50, \"description\": \"SALLIEMAE LOAN PAYMENT #55-EDUCATIONAL PPD ID:890123456\", \"transaction_id\": \"plaid-6-00022\"}, {\"date_transacted\": \"2025-08-09\", \"date_posted\": \"2025-08-10\", \"amount\": 25, \"description\": \"SALLIEMAE LOAN PAYMENT #61-EDUCATIONAL PPD ID:901234567\", \"transaction_id\": \"plaid-6-00023\"}, {\"date_transacted\": \"2025-08-10\", \"date_posted\": \"2025-08-11\", \"amount\": 40, \"description\": \"ATM WITHDRAWAL 123 MAIN ST DC #44567\", \"transaction_id\": \"plaid-6-00024\"}, {\"date_transacted\": \"2025-08-11\", \"date_posted\": \"2025-08-12\", \"amount\": 9.99, \"description\": \"SPOTIFY PREMIUM SUBSCRIPTION PPD ID:012345678\", \"transaction_id\": \"plaid-6-00025\"}, {\"date_transacted\": \"2025-08-12\", \"date_posted\": \"2025-08-13\", \"amount\": 45, \"description\": \"MICROSOFT *OFFICE365.COM PPD ID:109876543\", \"transaction_id\": \"plaid-6-00026\"}, {\"date_transacted\": \"2025-08-13\", \"date_posted\": \"2025-08-14\", \"amount\": 37.25, \"description\": \"UBER EATS ORDER HELP.UBER.COM TXID-UBEREATS\", \"transaction_id\": \"plaid-6-00027\"}, {\"date_transacted\": \"2025-08-14\", \"date_posted\": \"2025-08-15\", \"amount\": 96.21, \"description\": \"SHELL OIL #5754 WASHINGTON DC DEBIT\", \"transaction_id\": \"plaid-6-00028\"}, {\"date_transacted\": \"2025-08-15\", \"date_posted\": \"2025-08-16\", \"amount\": 82.75, \"description\": \"WALGREENS STORE #4401 WASHINGTON DC\", \"transaction_id\": \"plaid-6-00029\"}, {\"date_transacted\": \"2025-08-17\", \"date_posted\": \"2025-08-18\", \"amount\": -60000, \"description\": \"ACH CREDIT FIDELITY INVESTMENTS DEPOSIT PPD ID:210987654\", \"transaction_id\": \"plaid-6-00030\"}, {\"date_transacted\": \"2025-08-18\", \"date_posted\": \"2025-08-19\", \"amount\": 57.85, \"description\": \"SHAKE SHACK #044 DC POS DEBIT\", \"transaction_id\": \"plaid-6-00031\"}, {\"date_transacted\": \"2025-08-19\", \"date_posted\": \"2025-08-20\", \"amount\": -3050, \"description\": \"ACH DEPOSIT AAA INC PAYROLL ID:XYZ1234 PPD ID:321654987\", \"transaction_id\": \"plaid-6-00032\"}, {\"date_transacted\": \"2025-08-20\", \"date_posted\": \"2025-08-21\", \"amount\": 2400, \"description\": \"ZELLE PAYMENT TO SAMUEL P - AUGUST\", \"transaction_id\": \"plaid-6-00033\"}, {\"date_transacted\": \"2025-08-21\", \"date_posted\": \"2025-08-22\", \"amount\": 142.56, \"description\": \"SAFEWAY #312 WASHINGTON DC DEBIT CARD 4111\", \"transaction_id\": \"plaid-6-00034\"}, {\"date_transacted\": \"2025-08-22\", \"date_posted\": \"2025-08-23\", \"amount\": -20000, \"description\": \"ACH CREDIT COINBASE ID:CASH-OUT PPD ID:432109876\", \"transaction_id\": \"plaid-6-00035\"}, {\"date_transacted\": \"2025-08-23\", \"date_posted\": \"2025-08-24\", \"amount\": 35.67, \"description\": \"UBER TRIP *HELP.UBER.COM T22401\", \"transaction_id\": \"plaid-6-00036\"}, {\"date_transacted\": \"2025-08-24\", \"date_posted\": \"2025-08-25\", \"amount\": 1200, \"description\": \"ACH DEBIT NJFSPC ID:4567-002 PPD ID:543210987\", \"transaction_id\": \"plaid-6-00037\"}, {\"date_transacted\": \"2025-08-25\", \"date_posted\": \"2025-08-26\", \"amount\": 84.22, \"description\": \"TRADER JOE'S #654 WASHINGTON DC DEBIT 0805\", \"transaction_id\": \"plaid-6-00038\"}, {\"date_transacted\": \"2025-08-26\", \"date_posted\": \"2025-08-27\", \"amount\": 92.18, \"description\": \"ONLINE BILL PAY PEPCO ELECTRIC AUG25 PMT PPD ID:654321098\", \"transaction_id\": \"plaid-6-00039\"}, {\"date_transacted\": \"2025-08-27\", \"date_posted\": \"2025-08-28\", \"amount\": 23.44, \"description\": \"STARBUCKS #5567 WASHINGTON DC POS\", \"transaction_id\": \"plaid-6-00040\"}, {\"date_transacted\": \"2025-08-28\", \"date_posted\": \"2025-08-29\", \"amount\": 124.37, \"description\": \"CHECK #2051 CLEARED\", \"transaction_id\": \"plaid-6-00041\"}, {\"date_transacted\": \"2025-08-29\", \"date_posted\": \"2025-08-30\", \"amount\": 500, \"description\": \"TOYOTA MOTOR CREDIT AUTO LOAN PMT PPD ID:765432109\", \"transaction_id\": \"plaid-6-00042\"}, {\"date_transacted\": \"2025-08-29\", \"date_posted\": \"2025-08-30\", \"amount\": 257, \"description\": \"JPMORGAN CHASE CREDIT PMT PPD ID:876543210\", \"transaction_id\": \"plaid-6-00043\"}, {\"date_transacted\": \"2025-08-29\", \"date_posted\": \"2025-08-30\", \"amount\": 50, \"description\": \"SALLIEMAE LOAN PAYMENT #55-EDUCATIONAL PPD ID:987654321\", \"transaction_id\": \"plaid-6-00044\"}, {\"date_transacted\": \"2025-08-29\", \"date_posted\": \"2025-08-30\", \"amount\": 25, \"description\": \"SALLIEMAE LOAN PAYMENT #61-EDUCATIONAL PPD ID:098765432\", \"transaction_id\": \"plaid-6-00045\"}, {\"date_transacted\": \"2025-08-30\", \"date_posted\": \"2025-08-31\", \"amount\": 74.5, \"description\": \"AMAZON.COM MKTPLACE PMTS AMZN.COM\", \"transaction_id\": \"plaid-6-00046\"}, {\"date_transacted\": \"2025-08-31\", \"date_posted\": \"2025-09-01\", \"amount\": 129.99, \"description\": \"VERIZON WIRELESS AUTOPAY ID:6789-VZW PPD ID:987654321\", \"transaction_id\": \"plaid-6-00047\"}, {\"date_transacted\": \"2025-09-01\", \"date_posted\": \"2025-09-02\", \"amount\": 58.3, \"description\": \"STARBUCKS #4567 WASHINGTON DC POS\", \"transaction_id\": \"plaid-6-00048\"}, {\"date_transacted\": \"2025-09-02\", \"date_posted\": \"2025-09-03\", \"amount\": 67.1, \"description\": \"UBER EATS ORDER HELP.UBER.COM TXID-UBEREATS\", \"transaction_id\": \"plaid-6-00049\"}, {\"date_transacted\": \"2025-09-03\", \"date_posted\": \"2025-09-04\", \"amount\": -3050, \"description\": \"ACH DEPOSIT AAA INC PAYROLL ID:XYZ1234 PPD ID:321654987\", \"transaction_id\": \"plaid-6-00050\"}, {\"date_transacted\": \"2025-09-04\", \"date_posted\": \"2025-09-05\", \"amount\": 91.2, \"description\": \"GIANT FOOD #1450 WASHINGTON DC PMT\", \"transaction_id\": \"plaid-6-00051\"}, {\"date_transacted\": \"2025-09-05\", \"date_posted\": \"2025-09-06\", \"amount\": 39.99, \"description\": \"HULU*LLC SUBSCRIPTION PPD ID:123456789\", \"transaction_id\": \"plaid-6-00052\"}, {\"date_transacted\": \"2025-09-06\", \"date_posted\": \"2025-09-07\", \"amount\": 212.6, \"description\": \"GEICO AUTO INS PREMIUM PMT PPD ID:876543210\", \"transaction_id\": \"plaid-6-00053\"}, {\"date_transacted\": \"2025-09-07\", \"date_posted\": \"2025-09-08\", \"amount\": 84.62, \"description\": \"CLYDE'S GALLERY PL DINING Washington DC\", \"transaction_id\": \"plaid-6-00054\"}, {\"date_transacted\": \"2025-09-08\", \"date_posted\": \"2025-09-09\", \"amount\": 55.42, \"description\": \"UBER TRIP *HELP.UBER.COM T22456\", \"transaction_id\": \"plaid-6-00055\"}, {\"date_transacted\": \"2025-09-09\", \"date_posted\": \"2025-09-10\", \"amount\": 102.2, \"description\": \"WALGREENS STORE #4401 WASHINGTON DC\", \"transaction_id\": \"plaid-6-00056\"}, {\"date_transacted\": \"2025-09-10\", \"date_posted\": \"2025-09-11\", \"amount\": 96.21, \"description\": \"EXXONMOBIL #0223 GAS Washington DC\", \"transaction_id\": \"plaid-6-00057\"}, {\"date_transacted\": \"2025-09-11\", \"date_posted\": \"2025-09-12\", \"amount\": 52.5, \"description\": \"TARGET T-0743 WASHINGTON DC\", \"transaction_id\": \"plaid-6-00058\"}, {\"date_transacted\": \"2025-09-12\", \"date_posted\": \"2025-09-13\", \"amount\": 92.18, \"description\": \"ONLINE BILL PAY WASHINGTON GAS PMT PPD ID:112233445\", \"transaction_id\": \"plaid-6-00059\"}, {\"date_transacted\": \"2025-09-13\", \"date_posted\": \"2025-09-14\", \"amount\": 5000, \"description\": \"TRANSFER TO SAVINGS\", \"transaction_id\": \"plaid-6-00060\"}], \"identity\": {\"names\": [\"John Homeowner\"], \"emails\": [{\"primary\": true, \"type\": \"primary\", \"data\": \"john.homeowner@testmail.com\"}], \"addresses\": [{\"primary\": true, \"data\": {\"country\": \"US\", \"city\": \"Washington\", \"street\": \"175 13th St\", \"postal_code\": \"20013\", \"region\": \"DC\"}}]}}, {\"type\": \"depository\", \"subtype\": \"savings\", \"starting_balance\": 15500, \"currency\": \"USD\", \"numbers\": {\"account\": \"990077005511\"}, \"transactions\": [{\"date_transacted\": \"2025-07-20\", \"date_posted\": \"2025-07-21\", \"amount\": -8.5, \"description\": \"INTEREST EARNED\", \"transaction_id\": \"plaid-6-00061\"}, {\"date_transacted\": \"2025-07-29\", \"date_posted\": \"2025-07-30\", \"amount\": -1500, \"description\": \"TRANSFER FROM CHECKING\", \"transaction_id\": \"plaid-6-00062\"}, {\"date_transacted\": \"2025-08-09\", \"date_posted\": \"2025-08-10\", \"amount\": 1000, \"description\": \"TRANSFER TO CHECKING\", \"transaction_id\": \"plaid-6-00063\"}, {\"date_transacted\": \"2025-08-19\", \"date_posted\": \"2025-08-20\", \"amount\": -8.95, \"description\": \"INTEREST EARNED\", \"transaction_id\": \"plaid-6-00064\"}, {\"date_transacted\": \"2025-08-20\", \"date_posted\": \"2025-08-21\", \"amount\": -9.05, \"description\": \"INTEREST EARNED\", \"transaction_id\": \"plaid-6-00065\"}, {\"date_transacted\": \"2025-08-31\", \"date_posted\": \"2025-09-01\", \"amount\": -2000, \"description\": \"TRANSFER FROM CHECKING\", \"transaction_id\": \"plaid-6-00066\"}, {\"date_transacted\": \"2025-09-05\", \"date_posted\": \"2025-09-06\", \"amount\": -3000, \"description\": \"TRANSFER FROM CHECKING\", \"transaction_id\": \"plaid-6-00067\"}, {\"date_transacted\": \"2025-09-13\", \"date_posted\": \"2025-09-14\", \"amount\": -5000, \"description\": \"TRANSFER FROM CHECKING\", \"transaction_id\": \"plaid-6-00068\"}], \"identity\": {\"names\": [\"John Homeowner\"], \"emails\": [{\"primary\": true, \"type\": \"primary\", \"data\": \"john.homeowner@testmail.com\"}], \"addresses\": [{\"primary\": true, \"data\": {\"country\": \"US\", \"city\": \"Washington\", \"street\": \"175 13th St\", \"postal_code\": \"20013\", \"region\": \"DC\"}}]}}]}", "ulad_du": "<MESSAGE xmlns=\"http://www.mismo.org/residential/2009/schemas\" xmlns:ULAD=\"http://www.datamodelextension.org/Schema/ULAD\" xmlns:DU=\"http://www.datamodelextension.org/Schema/DU\" xmlns:xlink=\"http://www.w3.org/1999/xlink\" MISMOReferenceModelIdentifier=\"3.4.032420160128\">\n <ABOUT_VERSIONS>\n <ABOUT_VERSION>\n <AboutVersionIdentifier>DU Spec 1.8.5</AboutVersionIdentifier>\n <CreatedDatetime>2025-09-19T18:12:57.163664935Z</CreatedDatetime>\n </ABOUT_VERSION>\n </ABOUT_VERSIONS>\n <DEAL_SETS>\n <DEAL_SET>\n <DEALS>\n <DEAL>\n <ASSETS>\n <ASSET SequenceNumber=\"1\" xlink:label=\"ASSET_1\">\n <ASSET_DETAIL>\n <AssetAccountIdentifier>3344</AssetAccountIdentifier>\n <AssetCashOrMarketValueAmount>205500.00</AssetCashOrMarketValueAmount>\n <AssetType>CheckingAccount</AssetType>\n </ASSET_DETAIL>\n <ASSET_HOLDER>\n <NAME>\n <FullName>First Platypus Bank</FullName>\n </NAME>\n </ASSET_HOLDER>\n </ASSET>\n <ASSET SequenceNumber=\"2\" xlink:label=\"ASSET_2\">\n <ASSET_DETAIL>\n <AssetAccountIdentifier>5511</AssetAccountIdentifier>\n <AssetCashOrMarketValueAmount>15500.00</AssetCashOrMarketValueAmount>\n <AssetType>SavingsAccount</AssetType>\n </ASSET_DETAIL>\n <ASSET_HOLDER>\n <NAME>\n <FullName>First Platypus Bank</FullName>\n </NAME>\n </ASSET_HOLDER>\n </ASSET>\n <ASSET SequenceNumber=\"3\" xlink:label=\"ASSET_3\">\n <ASSET_DETAIL>\n <AssetCashOrMarketValueAmount>50000.00</AssetCashOrMarketValueAmount>\n <AssetType>GiftOfCash</AssetType>\n <FundsSourceType>Relative</FundsSourceType>\n <EXTENSION>\n <OTHER>\n <ULAD:ASSET_DETAIL_EXTENSION>\n <ULAD:IncludedInAssetAccountIndicator>true</ULAD:IncludedInAssetAccountIndicator>\n </ULAD:ASSET_DETAIL_EXTENSION>\n </OTHER>\n </EXTENSION>\n </ASSET_DETAIL>\n </ASSET>\n </ASSETS>\n <COLLATERALS>\n <COLLATERAL>\n <SUBJECT_PROPERTY>\n <ADDRESS>\n <CityName>ASBURY PARK</CityName>\n <CountryCode>US</CountryCode>\n <PostalCode>07712</PostalCode>\n <StateCode>NJ</StateCode>\n </ADDRESS>\n <LOCATION_IDENTIFIER>\n <FIPS_INFORMATION>\n <FIPSCountyCode>025</FIPSCountyCode>\n <FIPSStateNumericCode>34</FIPSStateNumericCode>\n </FIPS_INFORMATION>\n </LOCATION_IDENTIFIER>\n <PROPERTY_DETAIL>\n <AttachmentType>Detached</AttachmentType>\n <CommunityPropertyStateIndicator>false</CommunityPropertyStateIndicator>\n <ConstructionMethodType>SiteBuilt</ConstructionMethodType>\n <FHASecondaryResidenceIndicator>false</FHASecondaryResidenceIndicator>\n <FinancedUnitCount>1</FinancedUnitCount>\n <PropertyEstateType>FeeSimple</PropertyEstateType>\n <PropertyEstimatedValueAmount>800000.00</PropertyEstimatedValueAmount>\n <PropertyExistingCleanEnergyLienIndicator>false</PropertyExistingCleanEnergyLienIndicator>\n <PropertyInProjectIndicator>false</PropertyInProjectIndicator>\n <PropertyMixedUsageIndicator>false</PropertyMixedUsageIndicator>\n <PropertyUsageType>PrimaryResidence</PropertyUsageType>\n <PUDIndicator>false</PUDIndicator>\n </PROPERTY_DETAIL>\n <PROPERTY_VALUATIONS>\n <PROPERTY_VALUATION>\n <PROPERTY_VALUATION_DETAIL>\n <PropertyValuationAmount>800000.00</PropertyValuationAmount>\n </PROPERTY_VALUATION_DETAIL>\n </PROPERTY_VALUATION>\n </PROPERTY_VALUATIONS>\n <SALES_CONTRACTS>\n <SALES_CONTRACT>\n <SALES_CONTRACT_DETAIL>\n <SalesContractAmount>800000.00</SalesContractAmount>\n </SALES_CONTRACT_DETAIL>\n </SALES_CONTRACT>\n </SALES_CONTRACTS>\n </SUBJECT_PROPERTY>\n </COLLATERAL>\n </COLLATERALS>\n <LIABILITIES>\n <LIABILITY SequenceNumber=\"1\" xlink:label=\"LIABILITY_1\">\n <LIABILITY_DETAIL>\n <LiabilityAccountIdentifier>3210989098</LiabilityAccountIdentifier>\n <LiabilityExclusionIndicator>false</LiabilityExclusionIndicator>\n <LiabilityMonthlyPaymentAmount>500.00</LiabilityMonthlyPaymentAmount>\n <LiabilityPayoffStatusIndicator>false</LiabilityPayoffStatusIndicator>\n <LiabilityRemainingTermMonthsCount>33</LiabilityRemainingTermMonthsCount>\n <LiabilityType>Installment</LiabilityType>\n <LiabilityUnpaidBalanceAmount>15838.00</LiabilityUnpaidBalanceAmount>\n </LIABILITY_DETAIL>\n <LIABILITY_HOLDER>\n <NAME>\n <FullName>TOYOTA CREDIT</FullName>\n </NAME>\n </LIABILITY_HOLDER>\n </LIABILITY>\n <LIABILITY SequenceNumber=\"2\" xlink:label=\"LIABILITY_2\">\n <LIABILITY_DETAIL>\n <LiabilityAccountIdentifier>58652333</LiabilityAccountIdentifier>\n <LiabilityExclusionIndicator>false</LiabilityExclusionIndicator>\n <LiabilityMonthlyPaymentAmount>257.00</LiabilityMonthlyPaymentAmount>\n <LiabilityPayoffStatusIndicator>false</LiabilityPayoffStatusIndicator>\n <LiabilityRemainingTermMonthsCount>21</LiabilityRemainingTermMonthsCount>\n <LiabilityType>Installment</LiabilityType>\n <LiabilityUnpaidBalanceAmount>5000.00</LiabilityUnpaidBalanceAmount>\n </LIABILITY_DETAIL>\n <LIABILITY_HOLDER>\n <NAME>\n <FullName>CHASE</FullName>\n </NAME>\n </LIABILITY_HOLDER>\n </LIABILITY>\n <LIABILITY SequenceNumber=\"3\" xlink:label=\"LIABILITY_3\">\n <LIABILITY_DETAIL>\n <LiabilityAccountIdentifier>950254520</LiabilityAccountIdentifier>\n <LiabilityExclusionIndicator>false</LiabilityExclusionIndicator>\n <LiabilityMonthlyPaymentAmount>0.00</LiabilityMonthlyPaymentAmount>\n <LiabilityPayoffStatusIndicator>false</LiabilityPayoffStatusIndicator>\n <LiabilityRemainingTermMonthsCount>61</LiabilityRemainingTermMonthsCount>\n <LiabilityType>Installment</LiabilityType>\n <LiabilityUnpaidBalanceAmount>5000.00</LiabilityUnpaidBalanceAmount>\n </LIABILITY_DETAIL>\n <LIABILITY_HOLDER>\n <NAME>\n <FullName>SALLIE MAE</FullName>\n </NAME>\n </LIABILITY_HOLDER>\n </LIABILITY>\n <LIABILITY SequenceNumber=\"4\" xlink:label=\"LIABILITY_4\">\n <LIABILITY_DETAIL>\n <LiabilityAccountIdentifier>950752340</LiabilityAccountIdentifier>\n <LiabilityExclusionIndicator>false</LiabilityExclusionIndicator>\n <LiabilityMonthlyPaymentAmount>25.00</LiabilityMonthlyPaymentAmount>\n <LiabilityPayoffStatusIndicator>false</LiabilityPayoffStatusIndicator>\n <LiabilityRemainingTermMonthsCount>73</LiabilityRemainingTermMonthsCount>\n <LiabilityType>Installment</LiabilityType>\n <LiabilityUnpaidBalanceAmount>1100.00</LiabilityUnpaidBalanceAmount>\n </LIABILITY_DETAIL>\n <LIABILITY_HOLDER>\n <NAME>\n <FullName>SALLIE MAE</FullName>\n </NAME>\n </LIABILITY_HOLDER>\n </LIABILITY>\n <LIABILITY SequenceNumber=\"5\" xlink:label=\"LIABILITY_5\">\n <LIABILITY_DETAIL>\n <LiabilityAccountIdentifier>6011785239</LiabilityAccountIdentifier>\n <LiabilityExclusionIndicator>false</LiabilityExclusionIndicator>\n <LiabilityMonthlyPaymentAmount>25.00</LiabilityMonthlyPaymentAmount>\n <LiabilityPayoffStatusIndicator>false</LiabilityPayoffStatusIndicator>\n <LiabilityType>Revolving</LiabilityType>\n <LiabilityUnpaidBalanceAmount>950.00</LiabilityUnpaidBalanceAmount>\n </LIABILITY_DETAIL>\n <LIABILITY_HOLDER>\n <NAME>\n <FullName>UNIVERSAL VISA</FullName>\n </NAME>\n </LIABILITY_HOLDER>\n </LIABILITY>\n </LIABILITIES>\n <LOANS>\n <LOAN SequenceNumber=\"1\" LoanRoleType=\"SubjectLoan\" xlink:label=\"LOAN_1\">\n <AFFORDABLE_LENDING></AFFORDABLE_LENDING>\n <AMORTIZATION>\n <AMORTIZATION_RULE>\n <AmortizationType>Fixed</AmortizationType>\n <LoanAmortizationPeriodCount>360</LoanAmortizationPeriodCount>\n <LoanAmortizationPeriodType>Month</LoanAmortizationPeriodType>\n </AMORTIZATION_RULE>\n </AMORTIZATION>\n <CLOSING_INFORMATION>\n <CLOSING_ADJUSTMENT_ITEMS>\n <CLOSING_ADJUSTMENT_ITEM>\n <CLOSING_ADJUSTMENT_ITEM_DETAIL>\n <ClosingAdjustmentItemAmount>2912.00</ClosingAdjustmentItemAmount>\n <ClosingAdjustmentItemType>LenderCredit</ClosingAdjustmentItemType>\n </CLOSING_ADJUSTMENT_ITEM_DETAIL>\n </CLOSING_ADJUSTMENT_ITEM>\n </CLOSING_ADJUSTMENT_ITEMS>\n <CLOSING_INFORMATION_DETAIL></CLOSING_INFORMATION_DETAIL>\n </CLOSING_INFORMATION>\n <DOCUMENT_SPECIFIC_DATA_SETS>\n <DOCUMENT_SPECIFIC_DATA_SET>\n <URLA>\n <URLA_DETAIL>\n <EstimatedClosingCostsAmount>1545.15</EstimatedClosingCostsAmount>\n </URLA_DETAIL>\n </URLA>\n </DOCUMENT_SPECIFIC_DATA_SET>\n </DOCUMENT_SPECIFIC_DATA_SETS>\n <HOUSING_EXPENSES>\n <HOUSING_EXPENSE>\n <HousingExpensePaymentAmount>3785.84</HousingExpensePaymentAmount>\n <HousingExpenseTimingType>Proposed</HousingExpenseTimingType>\n <HousingExpenseType>FirstMortgagePrincipalAndInterest</HousingExpenseType>\n </HOUSING_EXPENSE>\n <HOUSING_EXPENSE>\n <HousingExpensePaymentAmount>247.33</HousingExpensePaymentAmount>\n <HousingExpenseTimingType>Proposed</HousingExpenseTimingType>\n <HousingExpenseType>HomeownersInsurance</HousingExpenseType>\n </HOUSING_EXPENSE>\n <HOUSING_EXPENSE>\n <HousingExpensePaymentAmount>1420.00</HousingExpensePaymentAmount>\n <HousingExpenseTimingType>Proposed</HousingExpenseTimingType>\n <HousingExpenseType>RealEstateTax</HousingExpenseType>\n </HOUSING_EXPENSE>\n </HOUSING_EXPENSES>\n <LOAN_DETAIL>\n <BalloonIndicator>false</BalloonIndicator>\n <BelowMarketSubordinateFinancingIndicator>false</BelowMarketSubordinateFinancingIndicator>\n <BorrowerCount>1</BorrowerCount>\n <BuydownTemporarySubsidyFundingIndicator>false</BuydownTemporarySubsidyFundingIndicator>\n <ConstructionLoanIndicator>false</ConstructionLoanIndicator>\n <EnergyRelatedImprovementsIndicator>false</EnergyRelatedImprovementsIndicator>\n <InterestOnlyIndicator>false</InterestOnlyIndicator>\n <NegativeAmortizationIndicator>false</NegativeAmortizationIndicator>\n <PrepaymentPenaltyIndicator>false</PrepaymentPenaltyIndicator>\n <RenovationLoanIndicator>false</RenovationLoanIndicator>\n <TotalMortgagedPropertiesCount>1</TotalMortgagedPropertiesCount>\n </LOAN_DETAIL>\n <LOAN_IDENTIFIERS>\n <LOAN_IDENTIFIER>\n <LoanIdentifier>86744679655</LoanIdentifier>\n <LoanIdentifierType>UniversalLoan</LoanIdentifierType>\n </LOAN_IDENTIFIER>\n <LOAN_IDENTIFIER>\n <LoanIdentifier>86744679655</LoanIdentifier>\n <LoanIdentifierType>LenderLoan</LoanIdentifierType>\n </LOAN_IDENTIFIER>\n </LOAN_IDENTIFIERS>\n <ORIGINATION_SYSTEMS>\n <ORIGINATION_SYSTEM>\n <LoanOriginationSystemName>TidalWave SOLO</LoanOriginationSystemName>\n <LoanOriginationSystemVendorIdentifier>TidalWave</LoanOriginationSystemVendorIdentifier>\n <LoanOriginationSystemVersionIdentifier>1.0</LoanOriginationSystemVersionIdentifier>\n </ORIGINATION_SYSTEM>\n </ORIGINATION_SYSTEMS>\n <TERMS_OF_LOAN>\n <BaseLoanAmount>640000.00</BaseLoanAmount>\n <LienPriorityType>FirstLien</LienPriorityType>\n <LoanPurposeType>Purchase</LoanPurposeType>\n <MortgageType>Conventional</MortgageType>\n <NoteRatePercent>5.875</NoteRatePercent>\n </TERMS_OF_LOAN>\n <UNDERWRITING>\n <AUTOMATED_UNDERWRITINGS>\n <AUTOMATED_UNDERWRITING>\n <AutomatedUnderwritingCaseIdentifier>2009819308</AutomatedUnderwritingCaseIdentifier>\n </AUTOMATED_UNDERWRITING>\n </AUTOMATED_UNDERWRITINGS>\n </UNDERWRITING>\n </LOAN>\n </LOANS>\n <PARTIES>\n <PARTY>\n <INDIVIDUAL>\n <CONTACT_POINTS>\n <CONTACT_POINT>\n <CONTACT_POINT_TELEPHONE>\n <ContactPointTelephoneValue>9999999999</ContactPointTelephoneValue>\n </CONTACT_POINT_TELEPHONE>\n <CONTACT_POINT_DETAIL>\n <ContactPointRoleType>Mobile</ContactPointRoleType>\n </CONTACT_POINT_DETAIL>\n </CONTACT_POINT>\n <CONTACT_POINT>\n <CONTACT_POINT_EMAIL>\n <ContactPointEmailValue>drindner+columbiajohntest1@tidalhq.com</ContactPointEmailValue>\n </CONTACT_POINT_EMAIL>\n </CONTACT_POINT>\n </CONTACT_POINTS>\n <NAME>\n <FirstName>John</FirstName>\n <LastName>Homeowner</LastName>\n </NAME>\n </INDIVIDUAL>\n <LANGUAGES>\n <LANGUAGE>\n <EXTENSION>\n <OTHER>\n <ULAD:LANGUAGE_EXTENSION>\n <ULAD:LanguageRefusalIndicator>true</ULAD:LanguageRefusalIndicator>\n </ULAD:LANGUAGE_EXTENSION>\n </OTHER>\n </EXTENSION>\n </LANGUAGE>\n </LANGUAGES>\n <ROLES>\n <ROLE SequenceNumber=\"1\" xlink:label=\"BORROWER_1\">\n <BORROWER>\n <BORROWER_DETAIL>\n <BorrowerBirthDate>1991-01-01</BorrowerBirthDate>\n <CommunityPropertyStateResidentIndicator>false</CommunityPropertyStateResidentIndicator>\n <DependentCount>0</DependentCount>\n <MaritalStatusType>Unmarried</MaritalStatusType>\n </BORROWER_DETAIL>\n <CURRENT_INCOME>\n <CURRENT_INCOME_ITEMS>\n <CURRENT_INCOME_ITEM SequenceNumber=\"1\" xlink:label=\"CURRENT_INCOME_ITEM_1_1\">\n <CURRENT_INCOME_ITEM_DETAIL>\n <CurrentIncomeMonthlyTotalAmount>16666.67</CurrentIncomeMonthlyTotalAmount>\n <EmploymentIncomeIndicator>true</EmploymentIncomeIndicator>\n <IncomeType>Base</IncomeType>\n </CURRENT_INCOME_ITEM_DETAIL>\n </CURRENT_INCOME_ITEM>\n </CURRENT_INCOME_ITEMS>\n </CURRENT_INCOME>\n <DECLARATION>\n <DECLARATION_DETAIL>\n <BankruptcyIndicator>false</BankruptcyIndicator>\n <CitizenshipResidencyType>USCitizen</CitizenshipResidencyType>\n <HomeownerPastThreeYearsType>No</HomeownerPastThreeYearsType>\n <IntentToOccupyType>Yes</IntentToOccupyType>\n <OutstandingJudgmentsIndicator>false</OutstandingJudgmentsIndicator>\n <PartyToLawsuitIndicator>false</PartyToLawsuitIndicator>\n <PresentlyDelinquentIndicator>false</PresentlyDelinquentIndicator>\n <PriorPropertyDeedInLieuConveyedIndicator>false</PriorPropertyDeedInLieuConveyedIndicator>\n <PriorPropertyForeclosureCompletedIndicator>false</PriorPropertyForeclosureCompletedIndicator>\n <PriorPropertyShortSaleCompletedIndicator>false</PriorPropertyShortSaleCompletedIndicator>\n <PropertyProposedCleanEnergyLienIndicator>false</PropertyProposedCleanEnergyLienIndicator>\n <UndisclosedBorrowedFundsIndicator>false</UndisclosedBorrowedFundsIndicator>\n <UndisclosedComakerOfNoteIndicator>false</UndisclosedComakerOfNoteIndicator>\n <UndisclosedCreditApplicationIndicator>false</UndisclosedCreditApplicationIndicator>\n <UndisclosedMortgageApplicationIndicator>false</UndisclosedMortgageApplicationIndicator>\n <EXTENSION>\n <OTHER>\n <ULAD:DECLARATION_DETAIL_EXTENSION>\n <ULAD:SpecialBorrowerSellerRelationshipIndicator>false</ULAD:SpecialBorrowerSellerRelationshipIndicator>\n </ULAD:DECLARATION_DETAIL_EXTENSION>\n </OTHER>\n </EXTENSION>\n </DECLARATION_DETAIL>\n </DECLARATION>\n <DEPENDENTS></DEPENDENTS>\n <EMPLOYERS>\n <EMPLOYER SequenceNumber=\"1\" xlink:label=\"EMPLOYER_1_1\">\n <LEGAL_ENTITY>\n <LEGAL_ENTITY_DETAIL>\n <FullName>AAA Inc</FullName>\n </LEGAL_ENTITY_DETAIL>\n </LEGAL_ENTITY>\n <EMPLOYMENT>\n <EmploymentBorrowerSelfEmployedIndicator>false</EmploymentBorrowerSelfEmployedIndicator>\n <EmploymentClassificationType>Primary</EmploymentClassificationType>\n <EmploymentPositionDescription>Manager</EmploymentPositionDescription>\n <EmploymentStartDate>2000-01-01</EmploymentStartDate>\n <EmploymentStatusType>Current</EmploymentStatusType>\n <EmploymentTimeInLineOfWorkMonthsCount>120</EmploymentTimeInLineOfWorkMonthsCount>\n <SpecialBorrowerEmployerRelationshipIndicator>false</SpecialBorrowerEmployerRelationshipIndicator>\n <EXTENSION>\n <OTHER>\n <DU:EMPLOYMENT_EXTENSION>\n <DU:ForeignIncomeIndicator>false</DU:ForeignIncomeIndicator>\n <DU:SeasonalIncomeIndicator>false</DU:SeasonalIncomeIndicator>\n </DU:EMPLOYMENT_EXTENSION>\n </OTHER>\n </EXTENSION>\n </EMPLOYMENT>\n </EMPLOYER>\n </EMPLOYERS>\n <GOVERNMENT_BORROWER></GOVERNMENT_BORROWER>\n <GOVERNMENT_MONITORING>\n <GOVERNMENT_MONITORING_DETAIL>\n <HMDAEthnicityCollectedBasedOnVisualObservationOrSurnameIndicator>false</HMDAEthnicityCollectedBasedOnVisualObservationOrSurnameIndicator>\n <HMDAEthnicityRefusalIndicator>true</HMDAEthnicityRefusalIndicator>\n <HMDAGenderCollectedBasedOnVisualObservationOrNameIndicator>false</HMDAGenderCollectedBasedOnVisualObservationOrNameIndicator>\n <HMDAGenderRefusalIndicator>true</HMDAGenderRefusalIndicator>\n <HMDARaceCollectedBasedOnVisualObservationOrSurnameIndicator>false</HMDARaceCollectedBasedOnVisualObservationOrSurnameIndicator>\n <HMDARaceRefusalIndicator>true</HMDARaceRefusalIndicator>\n <EXTENSION>\n <OTHER>\n <ULAD:GOVERNMENT_MONITORING_DETAIL_EXTENSION>\n <ULAD:ApplicationTakenMethodType>Internet</ULAD:ApplicationTakenMethodType>\n </ULAD:GOVERNMENT_MONITORING_DETAIL_EXTENSION>\n </OTHER>\n </EXTENSION>\n </GOVERNMENT_MONITORING_DETAIL>\n </GOVERNMENT_MONITORING>\n <RESIDENCES>\n <RESIDENCE>\n <ADDRESS>\n <AddressLineText>175 13th St</AddressLineText>\n <CityName>Washington</CityName>\n <CountryCode>US</CountryCode>\n <PostalCode>20013</PostalCode>\n <StateCode>DC</StateCode>\n </ADDRESS>\n <LANDLORD>\n <LANDLORD_DETAIL>\n <MonthlyRentAmount>2400.00</MonthlyRentAmount>\n </LANDLORD_DETAIL>\n </LANDLORD>\n <RESIDENCE_DETAIL>\n <BorrowerResidencyBasisType>Rent</BorrowerResidencyBasisType>\n <BorrowerResidencyDurationMonthsCount>120</BorrowerResidencyDurationMonthsCount>\n <BorrowerResidencyType>Current</BorrowerResidencyType>\n </RESIDENCE_DETAIL>\n </RESIDENCE>\n </RESIDENCES>\n </BORROWER>\n <ROLE_DETAIL>\n <PartyRoleType>Borrower</PartyRoleType>\n </ROLE_DETAIL>\n </ROLE>\n </ROLES>\n <TAXPAYER_IDENTIFIERS>\n <TAXPAYER_IDENTIFIER>\n <TaxpayerIdentifierType>SocialSecurityNumber</TaxpayerIdentifierType>\n <TaxpayerIdentifierValue>999405000</TaxpayerIdentifierValue>\n </TAXPAYER_IDENTIFIER>\n </TAXPAYER_IDENTIFIERS>\n </PARTY>\n <PARTY>\n <LEGAL_ENTITY>\n <LEGAL_ENTITY_DETAIL>\n <FullName>ABC Bank</FullName>\n </LEGAL_ENTITY_DETAIL>\n </LEGAL_ENTITY>\n <ADDRESSES>\n <ADDRESS>\n <AddressLineText>123 Main St</AddressLineText>\n <CityName>MyCity</CityName>\n <CountryCode>US</CountryCode>\n <PostalCode>12345</PostalCode>\n <StateCode>OH</StateCode>\n </ADDRESS>\n </ADDRESSES>\n <ROLES>\n <ROLE SequenceNumber=\"1\" xlink:label=\"LOAN_ORIGINATION_COMPANY_1\">\n <LICENSES>\n <LICENSE>\n <LICENSE_DETAIL>\n <LicenseAuthorityLevelType>Private</LicenseAuthorityLevelType>\n <LicenseIdentifier>123456</LicenseIdentifier>\n </LICENSE_DETAIL>\n </LICENSE>\n <LICENSE>\n <LICENSE_DETAIL>\n <LicenseAuthorityLevelType>PublicState</LicenseAuthorityLevelType>\n <LicenseIdentifier>1234</LicenseIdentifier>\n </LICENSE_DETAIL>\n </LICENSE>\n </LICENSES>\n <ROLE_DETAIL>\n <PartyRoleType>LoanOriginationCompany</PartyRoleType>\n </ROLE_DETAIL>\n </ROLE>\n </ROLES>\n </PARTY>\n <PARTY>\n <INDIVIDUAL>\n <CONTACT_POINTS>\n <CONTACT_POINT></CONTACT_POINT>\n </CONTACT_POINTS>\n <NAME>\n <FirstName>Derek</FirstName>\n <LastName>Test</LastName>\n <MiddleName>Staging</MiddleName>\n </NAME>\n </INDIVIDUAL>\n <ROLES>\n <ROLE SequenceNumber=\"1\" xlink:label=\"LOAN_ORIGINATOR_1\">\n <LICENSES>\n <LICENSE>\n <LICENSE_DETAIL>\n <LicenseAuthorityLevelType>Private</LicenseAuthorityLevelType>\n <LicenseIdentifier>123456</LicenseIdentifier>\n </LICENSE_DETAIL>\n </LICENSE>\n <LICENSE>\n <LICENSE_DETAIL>\n <LicenseAuthorityLevelType>PublicState</LicenseAuthorityLevelType>\n <LicenseIdentifier>123456</LicenseIdentifier>\n </LICENSE_DETAIL>\n </LICENSE>\n </LICENSES>\n <ROLE_DETAIL>\n <PartyRoleType>LoanOriginator</PartyRoleType>\n </ROLE_DETAIL>\n </ROLE>\n </ROLES>\n </PARTY>\n </PARTIES>\n <RELATIONSHIPS>\n <RELATIONSHIP SequenceNumber=\"1\" xlink:arcrole=\"urn:fdc:mismo.org:2009:residential/CURRENT_INCOME_ITEM_IsAssociatedWith_EMPLOYER\" xlink:from=\"CURRENT_INCOME_ITEM_1_1\" xlink:to=\"EMPLOYER_1_1\"></RELATIONSHIP>\n <RELATIONSHIP SequenceNumber=\"2\" xlink:arcrole=\"urn:fdc:mismo.org:2009:residential/ASSET_IsAssociatedWith_ROLE\" xlink:from=\"ASSET_1\" xlink:to=\"BORROWER_1\"></RELATIONSHIP>\n <RELATIONSHIP SequenceNumber=\"3\" xlink:arcrole=\"urn:fdc:mismo.org:2009:residential/ASSET_IsAssociatedWith_ROLE\" xlink:from=\"ASSET_2\" xlink:to=\"BORROWER_1\"></RELATIONSHIP>\n <RELATIONSHIP SequenceNumber=\"4\" xlink:arcrole=\"urn:fdc:mismo.org:2009:residential/ASSET_IsAssociatedWith_ROLE\" xlink:from=\"ASSET_3\" xlink:to=\"BORROWER_1\"></RELATIONSHIP>\n <RELATIONSHIP SequenceNumber=\"5\" xlink:arcrole=\"urn:fdc:mismo.org:2009:residential/LIABILITY_IsAssociatedWith_ROLE\" xlink:from=\"LIABILITY_1\" xlink:to=\"BORROWER_1\"></RELATIONSHIP>\n <RELATIONSHIP SequenceNumber=\"6\" xlink:arcrole=\"urn:fdc:mismo.org:2009:residential/LIABILITY_IsAssociatedWith_ROLE\" xlink:from=\"LIABILITY_2\" xlink:to=\"BORROWER_1\"></RELATIONSHIP>\n <RELATIONSHIP SequenceNumber=\"7\" xlink:arcrole=\"urn:fdc:mismo.org:2009:residential/LIABILITY_IsAssociatedWith_ROLE\" xlink:from=\"LIABILITY_3\" xlink:to=\"BORROWER_1\"></RELATIONSHIP>\n <RELATIONSHIP SequenceNumber=\"8\" xlink:arcrole=\"urn:fdc:mismo.org:2009:residential/LIABILITY_IsAssociatedWith_ROLE\" xlink:from=\"LIABILITY_4\" xlink:to=\"BORROWER_1\"></RELATIONSHIP>\n <RELATIONSHIP SequenceNumber=\"9\" xlink:arcrole=\"urn:fdc:mismo.org:2009:residential/LIABILITY_IsAssociatedWith_ROLE\" xlink:from=\"LIABILITY_5\" xlink:to=\"BORROWER_1\"></RELATIONSHIP>\n </RELATIONSHIPS>\n <SERVICES></SERVICES>\n </DEAL>\n </DEALS>\n </DEAL_SET>\n </DEAL_SETS>\n</MESSAGE>"}
|
| {"test_case_number": 7, "bank_statement": "{\"seed\": \"mortgage-ai-multi-acct-mortgage-demo-002-2mo\", \"override_accounts\": [{\"type\": \"depository\", \"subtype\": \"checking\", \"starting_balance\": 130908, \"currency\": \"USD\", \"numbers\": {\"account\": \"111222333444\", \"ach_routing\": \"011000015\"}, \"transactions\": [{\"date_transacted\": \"2025-07-20\", \"date_posted\": \"2025-07-21\", \"amount\": 89.44, \"description\": \"NETFLIX *STREAMING SUBSCRIPTION PPD ID:765432109\", \"transaction_id\": \"plaid-7-00001\"}, {\"date_transacted\": \"2025-07-21\", \"date_posted\": \"2025-07-22\", \"amount\": 142.18, \"description\": \"DEBIT CARD EXXONMOBILE #7234 GAS\", \"transaction_id\": \"plaid-7-00002\"}, {\"date_transacted\": \"2025-07-22\", \"date_posted\": \"2025-07-23\", \"amount\": 58.3, \"description\": \"SAFEWAY 1234 #5678 WASHINGTON DC\", \"transaction_id\": \"plaid-7-00003\"}, {\"date_transacted\": \"2025-07-24\", \"date_posted\": \"2025-07-25\", \"amount\": -500, \"description\": \"TRANSFER FROM SAVINGS\", \"transaction_id\": \"plaid-7-00004\"}, {\"date_transacted\": \"2025-07-24\", \"date_posted\": \"2025-07-25\", \"amount\": 129.99, \"description\": \"VERIZON WIRELESS AUTOPAY PPD ID:123456789\", \"transaction_id\": \"plaid-7-00005\"}, {\"date_transacted\": \"2025-07-25\", \"date_posted\": \"2025-07-26\", \"amount\": 3000, \"description\": \"ZELLE PAYMENT TO JOHN SMITH\", \"transaction_id\": \"plaid-7-00006\"}, {\"date_transacted\": \"2025-07-26\", \"date_posted\": \"2025-07-27\", \"amount\": 35, \"description\": \"NSF FEE CHARGE\", \"transaction_id\": \"plaid-7-00007\"}, {\"date_transacted\": \"2025-07-27\", \"date_posted\": \"2025-07-28\", \"amount\": 84.62, \"description\": \"POS RESTAURANT WASHINGTON DC\", \"transaction_id\": \"plaid-7-00008\"}, {\"date_transacted\": \"2025-07-27\", \"date_posted\": \"2025-07-28\", \"amount\": -2200, \"description\": \"ACH CREDIT SSA US TREASURY PPD ID:555444333\", \"transaction_id\": \"plaid-7-00009\"}, {\"date_transacted\": \"2025-07-28\", \"date_posted\": \"2025-07-29\", \"amount\": 92.18, \"description\": \"ONLINE BILL PAY CON EDISON PPD ID:987654321\", \"transaction_id\": \"plaid-7-00010\"}, {\"date_transacted\": \"2025-07-29\", \"date_posted\": \"2025-07-30\", \"amount\": -1500, \"description\": \"TRANSFER FROM SAVINGS\", \"transaction_id\": \"plaid-7-00011\"}, {\"date_transacted\": \"2025-07-30\", \"date_posted\": \"2025-07-31\", \"amount\": 64.22, \"description\": \"CVS PHARMACY #5431\", \"transaction_id\": \"plaid-7-00012\"}, {\"date_transacted\": \"2025-07-31\", \"date_posted\": \"2025-08-01\", \"amount\": 48.11, \"description\": \"STARBUCKS #1123 POS\", \"transaction_id\": \"plaid-7-00013\"}, {\"date_transacted\": \"2025-08-02\", \"date_posted\": \"2025-08-03\", \"amount\": 125, \"description\": \"ACH DEBIT AMEX PAYMENT PPD ID:112233445\", \"transaction_id\": \"plaid-7-00014\"}, {\"date_transacted\": \"2025-08-03\", \"date_posted\": \"2025-08-04\", \"amount\": -2500, \"description\": \"ACH DEPOSIT NY MTA PAYROLL PPD ID:667788990\", \"transaction_id\": \"plaid-7-00015\"}, {\"date_transacted\": \"2025-08-03\", \"date_posted\": \"2025-08-04\", \"amount\": 95, \"description\": \"ACH DEBIT CAPITAL ONE PMT PPD ID:678901234\", \"transaction_id\": \"plaid-7-00016\"}, {\"date_transacted\": \"2025-08-03\", \"date_posted\": \"2025-08-04\", \"amount\": 79, \"description\": \"ACH DEBIT AFTERPAY INC PMT PPD ID:998877665\", \"transaction_id\": \"plaid-7-00017\"}, {\"date_transacted\": \"2025-08-04\", \"date_posted\": \"2025-08-05\", \"amount\": 118.54, \"description\": \"SAFEWAY 1234 #5678 WASHINGTON DC\", \"transaction_id\": \"plaid-7-00018\"}, {\"date_transacted\": \"2025-08-06\", \"date_posted\": \"2025-08-07\", \"amount\": 124.37, \"description\": \"CHECK #1045 CLEARED\", \"transaction_id\": \"plaid-7-00019\"}, {\"date_transacted\": \"2025-08-07\", \"date_posted\": \"2025-08-08\", \"amount\": 72.94, \"description\": \"POS RESTAURANT WASHINGTON DC\", \"transaction_id\": \"plaid-7-00020\"}, {\"date_transacted\": \"2025-08-08\", \"date_posted\": \"2025-08-09\", \"amount\": -12300, \"description\": \"ATM CASH DEPOSIT *ATM LOC\", \"transaction_id\": \"plaid-7-00021\"}, {\"date_transacted\": \"2025-08-08\", \"date_posted\": \"2025-08-09\", \"amount\": 62, \"description\": \"ACH DEBIT KLARNA PMT PPD ID:445566778\", \"transaction_id\": \"plaid-7-00022\"}, {\"date_transacted\": \"2025-08-09\", \"date_posted\": \"2025-08-10\", \"amount\": 2500, \"description\": \"TRANSFER TO SAVINGS\", \"transaction_id\": \"plaid-7-00023\"}, {\"date_transacted\": \"2025-08-10\", \"date_posted\": \"2025-08-11\", \"amount\": 212.6, \"description\": \"GEICO AUTO INSURANCE PREMIUM PPD ID:876543210\", \"transaction_id\": \"plaid-7-00024\"}, {\"date_transacted\": \"2025-08-12\", \"date_posted\": \"2025-08-13\", \"amount\": 45, \"description\": \"GOOGLE *GSUITE/GDRIVE PPD ID:109876543\", \"transaction_id\": \"plaid-7-00025\"}, {\"date_transacted\": \"2025-08-14\", \"date_posted\": \"2025-08-15\", \"amount\": 96.21, \"description\": \"DEBIT CARD SHELL #9876\", \"transaction_id\": \"plaid-7-00026\"}, {\"date_transacted\": \"2025-08-16\", \"date_posted\": \"2025-08-17\", \"amount\": 92.18, \"description\": \"ONLINE BILL PAY DC WATER PPD ID:456789012\", \"transaction_id\": \"plaid-7-00027\"}, {\"date_transacted\": \"2025-08-19\", \"date_posted\": \"2025-08-20\", \"amount\": -2500, \"description\": \"ACH DEPOSIT NY MTA PAYROLL PPD ID:667788990\", \"transaction_id\": \"plaid-7-00028\"}, {\"date_transacted\": \"2025-08-20\", \"date_posted\": \"2025-08-21\", \"amount\": 3000, \"description\": \"ZELLE PAYMENT TO JOHN SMITH\", \"transaction_id\": \"plaid-7-00029\"}, {\"date_transacted\": \"2025-08-21\", \"date_posted\": \"2025-08-22\", \"amount\": 129.99, \"description\": \"VERIZON WIRELESS AUTOPAY PPD ID:123456789\", \"transaction_id\": \"plaid-7-00030\"}, {\"date_transacted\": \"2025-08-22\", \"date_posted\": \"2025-08-23\", \"amount\": -1000, \"description\": \"TRANSFER FROM SAVINGS\", \"transaction_id\": \"plaid-7-00031\"}, {\"date_transacted\": \"2025-08-22\", \"date_posted\": \"2025-08-23\", \"amount\": 58.3, \"description\": \"SAFEWAY 1234 #5678 WASHINGTON DC\", \"transaction_id\": \"plaid-7-00032\"}, {\"date_transacted\": \"2025-08-23\", \"date_posted\": \"2025-08-24\", \"amount\": -2200, \"description\": \"ACH CREDIT SSA US TREASURY PPD ID:555444333\", \"transaction_id\": \"plaid-7-00033\"}, {\"date_transacted\": \"2025-08-24\", \"date_posted\": \"2025-08-25\", \"amount\": 2000, \"description\": \"ACH DEBIT VISA CREDIT CARD PMT PPD ID:234567890\", \"transaction_id\": \"plaid-7-00034\"}, {\"date_transacted\": \"2025-08-25\", \"date_posted\": \"2025-08-26\", \"amount\": 84.62, \"description\": \"POS RESTAURANT WASHINGTON DC\", \"transaction_id\": \"plaid-7-00035\"}, {\"date_transacted\": \"2025-08-26\", \"date_posted\": \"2025-08-27\", \"amount\": 92.18, \"description\": \"ONLINE BILL PAY CON EDISON PPD ID:987654321\", \"transaction_id\": \"plaid-7-00036\"}, {\"date_transacted\": \"2025-08-27\", \"date_posted\": \"2025-08-28\", \"amount\": -50000, \"description\": \"LIGHTSTREAM ACH PPD ID:123123123\", \"transaction_id\": \"plaid-7-00037\"}, {\"date_transacted\": \"2025-08-28\", \"date_posted\": \"2025-08-29\", \"amount\": 124.37, \"description\": \"CHECK #1046 CLEARED\", \"transaction_id\": \"plaid-7-00038\"}, {\"date_transacted\": \"2025-08-29\", \"date_posted\": \"2025-08-30\", \"amount\": 350, \"description\": \"ACH DEBIT ALLY BANK PMT PPD ID:321654987\", \"transaction_id\": \"plaid-7-00039\"}, {\"date_transacted\": \"2025-08-29\", \"date_posted\": \"2025-08-30\", \"amount\": -2000, \"description\": \"TRANSFER FROM SAVINGS\", \"transaction_id\": \"plaid-7-00040\"}, {\"date_transacted\": \"2025-08-31\", \"date_posted\": \"2025-09-01\", \"amount\": -2000, \"description\": \"TRANSFER FROM SAVINGS\", \"transaction_id\": \"plaid-7-00041\"}, {\"date_transacted\": \"2025-09-01\", \"date_posted\": \"2025-09-02\", \"amount\": 72.94, \"description\": \"POS RESTAURANT WASHINGTON DC\", \"transaction_id\": \"plaid-7-00042\"}, {\"date_transacted\": \"2025-09-02\", \"date_posted\": \"2025-09-03\", \"amount\": 125, \"description\": \"ACH DEBIT AMEX PAYMENT PPD ID:112233445\", \"transaction_id\": \"plaid-7-00043\"}, {\"date_transacted\": \"2025-09-02\", \"date_posted\": \"2025-09-03\", \"amount\": -2500, \"description\": \"ACH DEPOSIT NY MTA PAYROLL PPD ID:667788990\", \"transaction_id\": \"plaid-7-00044\"}, {\"date_transacted\": \"2025-09-03\", \"date_posted\": \"2025-09-04\", \"amount\": 95, \"description\": \"ACH DEBIT CAPITAL ONE PMT PPD ID:678901234\", \"transaction_id\": \"plaid-7-00045\"}, {\"date_transacted\": \"2025-09-03\", \"date_posted\": \"2025-09-04\", \"amount\": 79, \"description\": \"ACH DEBIT AFTERPAY INC PMT PPD ID:998877665\", \"transaction_id\": \"plaid-7-00046\"}, {\"date_transacted\": \"2025-09-03\", \"date_posted\": \"2025-09-04\", \"amount\": 212.6, \"description\": \"GEICO AUTO INSURANCE PREMIUM PPD ID:876543210\", \"transaction_id\": \"plaid-7-00047\"}, {\"date_transacted\": \"2025-09-04\", \"date_posted\": \"2025-09-05\", \"amount\": -12800, \"description\": \"ATM CASH DEPOSIT *ATM LOC\", \"transaction_id\": \"plaid-7-00048\"}, {\"date_transacted\": \"2025-09-05\", \"date_posted\": \"2025-09-06\", \"amount\": 3000, \"description\": \"TRANSFER TO SAVINGS\", \"transaction_id\": \"plaid-7-00049\"}, {\"date_transacted\": \"2025-09-06\", \"date_posted\": \"2025-09-07\", \"amount\": 92.18, \"description\": \"ONLINE BILL PAY WASHINGTON GAS CO PPD ID:112233445\", \"transaction_id\": \"plaid-7-00050\"}, {\"date_transacted\": \"2025-09-07\", \"date_posted\": \"2025-09-08\", \"amount\": 118.54, \"description\": \"SAFEWAY 1234 #5678 WASHINGTON DC\", \"transaction_id\": \"plaid-7-00051\"}, {\"date_transacted\": \"2025-09-08\", \"date_posted\": \"2025-09-09\", \"amount\": 62, \"description\": \"ACH DEBIT KLARNA PMT PPD ID:445566778\", \"transaction_id\": \"plaid-7-00052\"}, {\"date_transacted\": \"2025-09-08\", \"date_posted\": \"2025-09-09\", \"amount\": 64.22, \"description\": \"CVS PHARMACY #5431\", \"transaction_id\": \"plaid-7-00053\"}, {\"date_transacted\": \"2025-09-10\", \"date_posted\": \"2025-09-11\", \"amount\": 45, \"description\": \"GOOGLE *GSUITE/GDRIVE PPD ID:109876543\", \"transaction_id\": \"plaid-7-00054\"}, {\"date_transacted\": \"2025-09-11\", \"date_posted\": \"2025-09-12\", \"amount\": 96.21, \"description\": \"DEBIT CARD SHELL #9876\", \"transaction_id\": \"plaid-7-00055\"}, {\"date_transacted\": \"2025-09-12\", \"date_posted\": \"2025-09-13\", \"amount\": 84.62, \"description\": \"POS RESTAURANT WASHINGTON DC\", \"transaction_id\": \"plaid-7-00056\"}, {\"date_transacted\": \"2025-09-13\", \"date_posted\": \"2025-09-14\", \"amount\": -2500, \"description\": \"ACH DEPOSIT NY MTA PAYROLL PPD ID:667788990\", \"transaction_id\": \"plaid-7-00057\"}], \"identity\": {\"names\": [\"Andy America\", \"Amy America\"], \"emails\": [{\"primary\": true, \"type\": \"primary\", \"data\": \"andyamerica@company.com\"}, {\"primary\": false, \"type\": \"primary\", \"data\": \"amyamerica@company.com\"}], \"addresses\": [{\"primary\": true, \"data\": {\"country\": \"US\", \"city\": \"Someplace\", \"street\": \"4321 Cul de Sac St\", \"postal_code\": \"10001\", \"region\": \"NY\"}}]}}, {\"type\": \"depository\", \"subtype\": \"savings\", \"starting_balance\": 45800, \"currency\": \"USD\", \"numbers\": {\"account\": \"555666777888\", \"ach_routing\": \"011000015\"}, \"transactions\": [{\"date_transacted\": \"2025-07-20\", \"date_posted\": \"2025-07-21\", \"amount\": -12.5, \"description\": \"INTEREST EARNED\", \"transaction_id\": \"plaid-7-00058\"}, {\"date_transacted\": \"2025-07-24\", \"date_posted\": \"2025-07-25\", \"amount\": 500, \"description\": \"TRANSFER TO CHECKING\", \"transaction_id\": \"plaid-7-00059\"}, {\"date_transacted\": \"2025-07-29\", \"date_posted\": \"2025-07-30\", \"amount\": 1500, \"description\": \"TRANSFER TO CHECKING\", \"transaction_id\": \"plaid-7-00060\"}, {\"date_transacted\": \"2025-08-09\", \"date_posted\": \"2025-08-10\", \"amount\": -2500, \"description\": \"TRANSFER FROM CHECKING\", \"transaction_id\": \"plaid-7-00061\"}, {\"date_transacted\": \"2025-08-19\", \"date_posted\": \"2025-08-20\", \"amount\": -12.9, \"description\": \"INTEREST EARNED\", \"transaction_id\": \"plaid-7-00062\"}, {\"date_transacted\": \"2025-08-20\", \"date_posted\": \"2025-08-21\", \"amount\": -13.1, \"description\": \"INTEREST EARNED\", \"transaction_id\": \"plaid-7-00063\"}, {\"date_transacted\": \"2025-08-22\", \"date_posted\": \"2025-08-23\", \"amount\": 1000, \"description\": \"TRANSFER TO CHECKING\", \"transaction_id\": \"plaid-7-00064\"}, {\"date_transacted\": \"2025-08-29\", \"date_posted\": \"2025-08-30\", \"amount\": 2000, \"description\": \"TRANSFER TO CHECKING\", \"transaction_id\": \"plaid-7-00065\"}, {\"date_transacted\": \"2025-08-31\", \"date_posted\": \"2025-09-01\", \"amount\": 2000, \"description\": \"TRANSFER TO CHECKING\", \"transaction_id\": \"plaid-7-00066\"}, {\"date_transacted\": \"2025-09-05\", \"date_posted\": \"2025-09-06\", \"amount\": -3000, \"description\": \"TRANSFER FROM CHECKING (SWEEP)\", \"transaction_id\": \"plaid-7-00067\"}, {\"date_transacted\": \"2025-09-13\", \"date_posted\": \"2025-09-14\", \"amount\": -13.2, \"description\": \"INTEREST EARNED\", \"transaction_id\": \"plaid-7-00068\"}], \"identity\": {\"names\": [\"Andy America\", \"Amy America\"], \"emails\": [{\"primary\": true, \"type\": \"primary\", \"data\": \"andyamerica@company.com\"}, {\"primary\": false, \"type\": \"primary\", \"data\": \"amyamerica@company.com\"}], \"addresses\": [{\"primary\": true, \"data\": {\"country\": \"US\", \"city\": \"Someplace\", \"street\": \"4321 Cul de Sac St\", \"postal_code\": \"10001\", \"region\": \"NY\"}}]}}]}", "ulad_du": "<MESSAGE xmlns=\"http://www.mismo.org/residential/2009/schemas\" xmlns:ULAD=\"http://www.datamodelextension.org/Schema/ULAD\" xmlns:DU=\"http://www.datamodelextension.org/Schema/DU\" xmlns:xlink=\"http://www.w3.org/1999/xlink\" MISMOReferenceModelIdentifier=\"3.4.032420160128\">\n <ABOUT_VERSIONS>\n <ABOUT_VERSION>\n <AboutVersionIdentifier>DU Spec 1.8.5</AboutVersionIdentifier>\n <CreatedDatetime>2025-09-19T18:14:05.209837231Z</CreatedDatetime>\n </ABOUT_VERSION>\n </ABOUT_VERSIONS>\n <DEAL_SETS>\n <DEAL_SET>\n <DEALS>\n <DEAL>\n <ASSETS>\n <ASSET SequenceNumber=\"1\" xlink:label=\"ASSET_1\">\n <ASSET_DETAIL>\n <AssetAccountIdentifier>3444</AssetAccountIdentifier>\n <AssetCashOrMarketValueAmount>130908.00</AssetCashOrMarketValueAmount>\n <AssetType>CheckingAccount</AssetType>\n </ASSET_DETAIL>\n <ASSET_HOLDER>\n <NAME>\n <FullName>First Platypus Bank</FullName>\n </NAME>\n </ASSET_HOLDER>\n </ASSET>\n <ASSET SequenceNumber=\"2\" xlink:label=\"ASSET_2\">\n <ASSET_DETAIL>\n <AssetAccountIdentifier>7888</AssetAccountIdentifier>\n <AssetCashOrMarketValueAmount>45800.00</AssetCashOrMarketValueAmount>\n <AssetType>SavingsAccount</AssetType>\n </ASSET_DETAIL>\n <ASSET_HOLDER>\n <NAME>\n <FullName>First Platypus Bank</FullName>\n </NAME>\n </ASSET_HOLDER>\n </ASSET>\n <ASSET SequenceNumber=\"3\" xlink:label=\"ASSET_3\">\n <ASSET_DETAIL>\n <AssetType>RealEstateOwned</AssetType>\n </ASSET_DETAIL>\n <OWNED_PROPERTY>\n <OWNED_PROPERTY_DETAIL>\n <OwnedPropertyDispositionStatusType>Retain</OwnedPropertyDispositionStatusType>\n <OwnedPropertyLienUPBAmount>420306.00</OwnedPropertyLienUPBAmount>\n <OwnedPropertyRentalIncomeGrossAmount>6000.00</OwnedPropertyRentalIncomeGrossAmount>\n <OwnedPropertyRentalIncomeNetAmount>1138.00</OwnedPropertyRentalIncomeNetAmount>\n <OwnedPropertySubjectIndicator>false</OwnedPropertySubjectIndicator>\n </OWNED_PROPERTY_DETAIL>\n <PROPERTY>\n <ADDRESS>\n <AddressLineText>1013 Franklin Ave</AddressLineText>\n <CityName>Asbury Park</CityName>\n <CountryCode>US</CountryCode>\n <PostalCode>07712</PostalCode>\n <StateCode>NJ</StateCode>\n </ADDRESS>\n <PROPERTY_DETAIL>\n <PropertyCurrentUsageType>Investment</PropertyCurrentUsageType>\n <PropertyEstimatedValueAmount>1500000.00</PropertyEstimatedValueAmount>\n <PropertyUsageType>Investment</PropertyUsageType>\n </PROPERTY_DETAIL>\n </PROPERTY>\n </OWNED_PROPERTY>\n </ASSET>\n </ASSETS>\n <COLLATERALS>\n <COLLATERAL>\n <SUBJECT_PROPERTY>\n <ADDRESS>\n <CityName>BELMAR</CityName>\n <CountryCode>US</CountryCode>\n <PostalCode>07719</PostalCode>\n <StateCode>NJ</StateCode>\n </ADDRESS>\n <LOCATION_IDENTIFIER>\n <FIPS_INFORMATION>\n <FIPSCountyCode>025</FIPSCountyCode>\n <FIPSStateNumericCode>34</FIPSStateNumericCode>\n </FIPS_INFORMATION>\n </LOCATION_IDENTIFIER>\n <PROPERTY_DETAIL>\n <AttachmentType>Detached</AttachmentType>\n <CommunityPropertyStateIndicator>false</CommunityPropertyStateIndicator>\n <ConstructionMethodType>SiteBuilt</ConstructionMethodType>\n <FHASecondaryResidenceIndicator>false</FHASecondaryResidenceIndicator>\n <FinancedUnitCount>1</FinancedUnitCount>\n <PropertyEstateType>FeeSimple</PropertyEstateType>\n <PropertyEstimatedValueAmount>800000.00</PropertyEstimatedValueAmount>\n <PropertyExistingCleanEnergyLienIndicator>false</PropertyExistingCleanEnergyLienIndicator>\n <PropertyInProjectIndicator>false</PropertyInProjectIndicator>\n <PropertyMixedUsageIndicator>false</PropertyMixedUsageIndicator>\n <PropertyUsageType>PrimaryResidence</PropertyUsageType>\n <PUDIndicator>false</PUDIndicator>\n </PROPERTY_DETAIL>\n <PROPERTY_VALUATIONS>\n <PROPERTY_VALUATION>\n <PROPERTY_VALUATION_DETAIL>\n <PropertyValuationAmount>800000.00</PropertyValuationAmount>\n </PROPERTY_VALUATION_DETAIL>\n </PROPERTY_VALUATION>\n </PROPERTY_VALUATIONS>\n <SALES_CONTRACTS>\n <SALES_CONTRACT>\n <SALES_CONTRACT_DETAIL>\n <SalesContractAmount>800000.00</SalesContractAmount>\n </SALES_CONTRACT_DETAIL>\n </SALES_CONTRACT>\n </SALES_CONTRACTS>\n </SUBJECT_PROPERTY>\n </COLLATERAL>\n </COLLATERALS>\n <LIABILITIES>\n <LIABILITY SequenceNumber=\"1\" xlink:label=\"LIABILITY_1\">\n <LIABILITY_DETAIL>\n <LiabilityAccountIdentifier>502088</LiabilityAccountIdentifier>\n <LiabilityExclusionIndicator>false</LiabilityExclusionIndicator>\n <LiabilityMonthlyPaymentAmount>1691.00</LiabilityMonthlyPaymentAmount>\n <LiabilityPaymentIncludesTaxesInsuranceIndicator>true</LiabilityPaymentIncludesTaxesInsuranceIndicator>\n <LiabilityPayoffStatusIndicator>false</LiabilityPayoffStatusIndicator>\n <LiabilityType>MortgageLoan</LiabilityType>\n <LiabilityUnpaidBalanceAmount>210279.00</LiabilityUnpaidBalanceAmount>\n <SubjectLoanResubordinationIndicator>false</SubjectLoanResubordinationIndicator>\n </LIABILITY_DETAIL>\n <LIABILITY_HOLDER>\n <NAME>\n <FullName>BEST EVER MORTGAGE</FullName>\n </NAME>\n </LIABILITY_HOLDER>\n </LIABILITY>\n <LIABILITY SequenceNumber=\"2\" xlink:label=\"LIABILITY_2\">\n <LIABILITY_DETAIL>\n <LiabilityAccountIdentifier>757570</LiabilityAccountIdentifier>\n <LiabilityExclusionIndicator>false</LiabilityExclusionIndicator>\n <LiabilityMonthlyPaymentAmount>1671.00</LiabilityMonthlyPaymentAmount>\n <LiabilityPaymentIncludesTaxesInsuranceIndicator>false</LiabilityPaymentIncludesTaxesInsuranceIndicator>\n <LiabilityPayoffStatusIndicator>false</LiabilityPayoffStatusIndicator>\n <LiabilityType>MortgageLoan</LiabilityType>\n <LiabilityUnpaidBalanceAmount>210027.00</LiabilityUnpaidBalanceAmount>\n <SubjectLoanResubordinationIndicator>false</SubjectLoanResubordinationIndicator>\n </LIABILITY_DETAIL>\n <LIABILITY_HOLDER>\n <NAME>\n <FullName>CALLABLE MORTGAGE</FullName>\n </NAME>\n </LIABILITY_HOLDER>\n </LIABILITY>\n <LIABILITY SequenceNumber=\"3\" xlink:label=\"LIABILITY_3\">\n <LIABILITY_DETAIL>\n <LiabilityAccountIdentifier>435617</LiabilityAccountIdentifier>\n <LiabilityExclusionIndicator>false</LiabilityExclusionIndicator>\n <LiabilityMonthlyPaymentAmount>133.00</LiabilityMonthlyPaymentAmount>\n <LiabilityPayoffStatusIndicator>false</LiabilityPayoffStatusIndicator>\n <LiabilityType>Revolving</LiabilityType>\n <LiabilityUnpaidBalanceAmount>4665.00</LiabilityUnpaidBalanceAmount>\n </LIABILITY_DETAIL>\n <LIABILITY_HOLDER>\n <NAME>\n <FullName>ALLEN BANK CARD</FullName>\n </NAME>\n </LIABILITY_HOLDER>\n </LIABILITY>\n <LIABILITY SequenceNumber=\"4\" xlink:label=\"LIABILITY_4\">\n <LIABILITY_DETAIL>\n <LiabilityAccountIdentifier>200021</LiabilityAccountIdentifier>\n <LiabilityExclusionIndicator>false</LiabilityExclusionIndicator>\n <LiabilityMonthlyPaymentAmount>46.00</LiabilityMonthlyPaymentAmount>\n <LiabilityPayoffStatusIndicator>false</LiabilityPayoffStatusIndicator>\n <LiabilityRemainingTermMonthsCount>36</LiabilityRemainingTermMonthsCount>\n <LiabilityType>Installment</LiabilityType>\n <LiabilityUnpaidBalanceAmount>1554.00</LiabilityUnpaidBalanceAmount>\n </LIABILITY_DETAIL>\n <LIABILITY_HOLDER>\n <NAME>\n <FullName>RELENTLESS BANK</FullName>\n </NAME>\n </LIABILITY_HOLDER>\n </LIABILITY>\n <LIABILITY SequenceNumber=\"5\" xlink:label=\"LIABILITY_5\">\n <LIABILITY_DETAIL>\n <LiabilityAccountIdentifier>171442</LiabilityAccountIdentifier>\n <LiabilityExclusionIndicator>false</LiabilityExclusionIndicator>\n <LiabilityMonthlyPaymentAmount>27.00</LiabilityMonthlyPaymentAmount>\n <LiabilityPayoffStatusIndicator>false</LiabilityPayoffStatusIndicator>\n <LiabilityType>Revolving</LiabilityType>\n <LiabilityUnpaidBalanceAmount>1357.00</LiabilityUnpaidBalanceAmount>\n </LIABILITY_DETAIL>\n <LIABILITY_HOLDER>\n <NAME>\n <FullName>BURSTING CREDIT</FullName>\n </NAME>\n </LIABILITY_HOLDER>\n </LIABILITY>\n <LIABILITY SequenceNumber=\"6\" xlink:label=\"LIABILITY_6\">\n <LIABILITY_DETAIL>\n <LiabilityAccountIdentifier>411711911</LiabilityAccountIdentifier>\n <LiabilityExclusionIndicator>false</LiabilityExclusionIndicator>\n <LiabilityMonthlyPaymentAmount>40.00</LiabilityMonthlyPaymentAmount>\n <LiabilityPayoffStatusIndicator>false</LiabilityPayoffStatusIndicator>\n <LiabilityType>Revolving</LiabilityType>\n <LiabilityUnpaidBalanceAmount>450.00</LiabilityUnpaidBalanceAmount>\n </LIABILITY_DETAIL>\n <LIABILITY_HOLDER>\n <NAME>\n <FullName>PRIME VISA</FullName>\n </NAME>\n </LIABILITY_HOLDER>\n </LIABILITY>\n <LIABILITY SequenceNumber=\"7\" xlink:label=\"LIABILITY_7\">\n <LIABILITY_DETAIL>\n <LiabilityAccountIdentifier>529115</LiabilityAccountIdentifier>\n <LiabilityExclusionIndicator>false</LiabilityExclusionIndicator>\n <LiabilityMonthlyPaymentAmount>10.00</LiabilityMonthlyPaymentAmount>\n <LiabilityPayoffStatusIndicator>false</LiabilityPayoffStatusIndicator>\n <LiabilityType>Revolving</LiabilityType>\n <LiabilityUnpaidBalanceAmount>29.00</LiabilityUnpaidBalanceAmount>\n </LIABILITY_DETAIL>\n <LIABILITY_HOLDER>\n <NAME>\n <FullName>CAPITAL BANK</FullName>\n </NAME>\n </LIABILITY_HOLDER>\n </LIABILITY>\n </LIABILITIES>\n <LOANS>\n <LOAN SequenceNumber=\"1\" LoanRoleType=\"SubjectLoan\" xlink:label=\"LOAN_1\">\n <AFFORDABLE_LENDING></AFFORDABLE_LENDING>\n <AMORTIZATION>\n <AMORTIZATION_RULE>\n <AmortizationType>Fixed</AmortizationType>\n <LoanAmortizationPeriodCount>360</LoanAmortizationPeriodCount>\n <LoanAmortizationPeriodType>Month</LoanAmortizationPeriodType>\n </AMORTIZATION_RULE>\n </AMORTIZATION>\n <CLOSING_INFORMATION>\n <CLOSING_ADJUSTMENT_ITEMS>\n <CLOSING_ADJUSTMENT_ITEM>\n <CLOSING_ADJUSTMENT_ITEM_DETAIL>\n <ClosingAdjustmentItemAmount>8512.00</ClosingAdjustmentItemAmount>\n <ClosingAdjustmentItemType>LenderCredit</ClosingAdjustmentItemType>\n </CLOSING_ADJUSTMENT_ITEM_DETAIL>\n </CLOSING_ADJUSTMENT_ITEM>\n </CLOSING_ADJUSTMENT_ITEMS>\n <CLOSING_INFORMATION_DETAIL></CLOSING_INFORMATION_DETAIL>\n </CLOSING_INFORMATION>\n <DOCUMENT_SPECIFIC_DATA_SETS>\n <DOCUMENT_SPECIFIC_DATA_SET>\n <URLA>\n <URLA_DETAIL>\n <EstimatedClosingCostsAmount>1545.15</EstimatedClosingCostsAmount>\n </URLA_DETAIL>\n </URLA>\n </DOCUMENT_SPECIFIC_DATA_SET>\n </DOCUMENT_SPECIFIC_DATA_SETS>\n <HOUSING_EXPENSES>\n <HOUSING_EXPENSE>\n <HousingExpensePaymentAmount>3785.84</HousingExpensePaymentAmount>\n <HousingExpenseTimingType>Proposed</HousingExpenseTimingType>\n <HousingExpenseType>FirstMortgagePrincipalAndInterest</HousingExpenseType>\n </HOUSING_EXPENSE>\n <HOUSING_EXPENSE>\n <HousingExpensePaymentAmount>247.33</HousingExpensePaymentAmount>\n <HousingExpenseTimingType>Proposed</HousingExpenseTimingType>\n <HousingExpenseType>HomeownersInsurance</HousingExpenseType>\n </HOUSING_EXPENSE>\n <HOUSING_EXPENSE>\n <HousingExpensePaymentAmount>1420.00</HousingExpensePaymentAmount>\n <HousingExpenseTimingType>Proposed</HousingExpenseTimingType>\n <HousingExpenseType>RealEstateTax</HousingExpenseType>\n </HOUSING_EXPENSE>\n </HOUSING_EXPENSES>\n <LOAN_DETAIL>\n <BalloonIndicator>false</BalloonIndicator>\n <BelowMarketSubordinateFinancingIndicator>false</BelowMarketSubordinateFinancingIndicator>\n <BorrowerCount>2</BorrowerCount>\n <BuydownTemporarySubsidyFundingIndicator>false</BuydownTemporarySubsidyFundingIndicator>\n <ConstructionLoanIndicator>false</ConstructionLoanIndicator>\n <EnergyRelatedImprovementsIndicator>false</EnergyRelatedImprovementsIndicator>\n <InterestOnlyIndicator>false</InterestOnlyIndicator>\n <NegativeAmortizationIndicator>false</NegativeAmortizationIndicator>\n <PrepaymentPenaltyIndicator>false</PrepaymentPenaltyIndicator>\n <RenovationLoanIndicator>false</RenovationLoanIndicator>\n <TotalMortgagedPropertiesCount>2</TotalMortgagedPropertiesCount>\n </LOAN_DETAIL>\n <LOAN_IDENTIFIERS>\n <LOAN_IDENTIFIER>\n <LoanIdentifier>81613557991</LoanIdentifier>\n <LoanIdentifierType>UniversalLoan</LoanIdentifierType>\n </LOAN_IDENTIFIER>\n <LOAN_IDENTIFIER>\n <LoanIdentifier>81613557991</LoanIdentifier>\n <LoanIdentifierType>LenderLoan</LoanIdentifierType>\n </LOAN_IDENTIFIER>\n </LOAN_IDENTIFIERS>\n <ORIGINATION_SYSTEMS>\n <ORIGINATION_SYSTEM>\n <LoanOriginationSystemName>TidalWave SOLO</LoanOriginationSystemName>\n <LoanOriginationSystemVendorIdentifier>TidalWave</LoanOriginationSystemVendorIdentifier>\n <LoanOriginationSystemVersionIdentifier>1.0</LoanOriginationSystemVersionIdentifier>\n </ORIGINATION_SYSTEM>\n </ORIGINATION_SYSTEMS>\n <TERMS_OF_LOAN>\n <BaseLoanAmount>640000.00</BaseLoanAmount>\n <LienPriorityType>FirstLien</LienPriorityType>\n <LoanPurposeType>Purchase</LoanPurposeType>\n <MortgageType>Conventional</MortgageType>\n <NoteRatePercent>5.875</NoteRatePercent>\n </TERMS_OF_LOAN>\n <UNDERWRITING>\n <AUTOMATED_UNDERWRITINGS>\n <AUTOMATED_UNDERWRITING>\n <AutomatedUnderwritingCaseIdentifier>2009819456</AutomatedUnderwritingCaseIdentifier>\n </AUTOMATED_UNDERWRITING>\n </AUTOMATED_UNDERWRITINGS>\n </UNDERWRITING>\n </LOAN>\n </LOANS>\n <PARTIES>\n <PARTY>\n <INDIVIDUAL>\n <CONTACT_POINTS>\n <CONTACT_POINT>\n <CONTACT_POINT_TELEPHONE>\n <ContactPointTelephoneValue>9999999999</ContactPointTelephoneValue>\n </CONTACT_POINT_TELEPHONE>\n <CONTACT_POINT_DETAIL>\n <ContactPointRoleType>Mobile</ContactPointRoleType>\n </CONTACT_POINT_DETAIL>\n </CONTACT_POINT>\n <CONTACT_POINT>\n <CONTACT_POINT_EMAIL>\n <ContactPointEmailValue>drindner+columbiaandytest2@tidalhq.com</ContactPointEmailValue>\n </CONTACT_POINT_EMAIL>\n </CONTACT_POINT>\n </CONTACT_POINTS>\n <NAME>\n <FirstName>Andy</FirstName>\n <LastName>America</LastName>\n </NAME>\n </INDIVIDUAL>\n <LANGUAGES>\n <LANGUAGE>\n <EXTENSION>\n <OTHER>\n <ULAD:LANGUAGE_EXTENSION>\n <ULAD:LanguageRefusalIndicator>true</ULAD:LanguageRefusalIndicator>\n </ULAD:LANGUAGE_EXTENSION>\n </OTHER>\n </EXTENSION>\n </LANGUAGE>\n </LANGUAGES>\n <ROLES>\n <ROLE SequenceNumber=\"1\" xlink:label=\"BORROWER_1\">\n <BORROWER>\n <BORROWER_DETAIL>\n <BorrowerBirthDate>1995-01-01</BorrowerBirthDate>\n <CommunityPropertyStateResidentIndicator>false</CommunityPropertyStateResidentIndicator>\n <DependentCount>0</DependentCount>\n <MaritalStatusType>Married</MaritalStatusType>\n </BORROWER_DETAIL>\n <CURRENT_INCOME>\n <CURRENT_INCOME_ITEMS>\n <CURRENT_INCOME_ITEM SequenceNumber=\"1\" xlink:label=\"CURRENT_INCOME_ITEM_1_1\">\n <CURRENT_INCOME_ITEM_DETAIL>\n <CurrentIncomeMonthlyTotalAmount>7522</CurrentIncomeMonthlyTotalAmount>\n <EmploymentIncomeIndicator>true</EmploymentIncomeIndicator>\n <IncomeType>Base</IncomeType>\n </CURRENT_INCOME_ITEM_DETAIL>\n </CURRENT_INCOME_ITEM>\n </CURRENT_INCOME_ITEMS>\n </CURRENT_INCOME>\n <DECLARATION>\n <DECLARATION_DETAIL>\n <BankruptcyIndicator>false</BankruptcyIndicator>\n <CitizenshipResidencyType>USCitizen</CitizenshipResidencyType>\n <HomeownerPastThreeYearsType>Yes</HomeownerPastThreeYearsType>\n <IntentToOccupyType>Yes</IntentToOccupyType>\n <OutstandingJudgmentsIndicator>false</OutstandingJudgmentsIndicator>\n <PartyToLawsuitIndicator>false</PartyToLawsuitIndicator>\n <PresentlyDelinquentIndicator>false</PresentlyDelinquentIndicator>\n <PriorPropertyDeedInLieuConveyedIndicator>false</PriorPropertyDeedInLieuConveyedIndicator>\n <PriorPropertyForeclosureCompletedIndicator>false</PriorPropertyForeclosureCompletedIndicator>\n <PriorPropertyShortSaleCompletedIndicator>false</PriorPropertyShortSaleCompletedIndicator>\n <PriorPropertyTitleType>JointWithSpouse</PriorPropertyTitleType>\n <PriorPropertyUsageType>Investment</PriorPropertyUsageType>\n <PropertyProposedCleanEnergyLienIndicator>false</PropertyProposedCleanEnergyLienIndicator>\n <UndisclosedBorrowedFundsIndicator>false</UndisclosedBorrowedFundsIndicator>\n <UndisclosedComakerOfNoteIndicator>false</UndisclosedComakerOfNoteIndicator>\n <UndisclosedCreditApplicationIndicator>false</UndisclosedCreditApplicationIndicator>\n <UndisclosedMortgageApplicationIndicator>false</UndisclosedMortgageApplicationIndicator>\n <EXTENSION>\n <OTHER>\n <ULAD:DECLARATION_DETAIL_EXTENSION>\n <ULAD:SpecialBorrowerSellerRelationshipIndicator>false</ULAD:SpecialBorrowerSellerRelationshipIndicator>\n </ULAD:DECLARATION_DETAIL_EXTENSION>\n </OTHER>\n </EXTENSION>\n </DECLARATION_DETAIL>\n </DECLARATION>\n <DEPENDENTS></DEPENDENTS>\n <EMPLOYERS>\n <EMPLOYER SequenceNumber=\"1\" xlink:label=\"EMPLOYER_1_1\">\n <LEGAL_ENTITY>\n <LEGAL_ENTITY_DETAIL>\n <FullName>MTA</FullName>\n </LEGAL_ENTITY_DETAIL>\n </LEGAL_ENTITY>\n <EMPLOYMENT>\n <EmploymentBorrowerSelfEmployedIndicator>false</EmploymentBorrowerSelfEmployedIndicator>\n <EmploymentClassificationType>Primary</EmploymentClassificationType>\n <EmploymentPositionDescription>Worker</EmploymentPositionDescription>\n <EmploymentStartDate>2000-01-01</EmploymentStartDate>\n <EmploymentStatusType>Current</EmploymentStatusType>\n <EmploymentTimeInLineOfWorkMonthsCount>120</EmploymentTimeInLineOfWorkMonthsCount>\n <SpecialBorrowerEmployerRelationshipIndicator>false</SpecialBorrowerEmployerRelationshipIndicator>\n <EXTENSION>\n <OTHER>\n <DU:EMPLOYMENT_EXTENSION>\n <DU:ForeignIncomeIndicator>false</DU:ForeignIncomeIndicator>\n <DU:SeasonalIncomeIndicator>false</DU:SeasonalIncomeIndicator>\n </DU:EMPLOYMENT_EXTENSION>\n </OTHER>\n </EXTENSION>\n </EMPLOYMENT>\n </EMPLOYER>\n </EMPLOYERS>\n <GOVERNMENT_BORROWER></GOVERNMENT_BORROWER>\n <GOVERNMENT_MONITORING>\n <GOVERNMENT_MONITORING_DETAIL>\n <HMDAEthnicityCollectedBasedOnVisualObservationOrSurnameIndicator>false</HMDAEthnicityCollectedBasedOnVisualObservationOrSurnameIndicator>\n <HMDAEthnicityRefusalIndicator>true</HMDAEthnicityRefusalIndicator>\n <HMDAGenderCollectedBasedOnVisualObservationOrNameIndicator>false</HMDAGenderCollectedBasedOnVisualObservationOrNameIndicator>\n <HMDAGenderRefusalIndicator>true</HMDAGenderRefusalIndicator>\n <HMDARaceCollectedBasedOnVisualObservationOrSurnameIndicator>false</HMDARaceCollectedBasedOnVisualObservationOrSurnameIndicator>\n <HMDARaceRefusalIndicator>true</HMDARaceRefusalIndicator>\n <EXTENSION>\n <OTHER>\n <ULAD:GOVERNMENT_MONITORING_DETAIL_EXTENSION>\n <ULAD:ApplicationTakenMethodType>Internet</ULAD:ApplicationTakenMethodType>\n </ULAD:GOVERNMENT_MONITORING_DETAIL_EXTENSION>\n </OTHER>\n </EXTENSION>\n </GOVERNMENT_MONITORING_DETAIL>\n </GOVERNMENT_MONITORING>\n <RESIDENCES>\n <RESIDENCE>\n <ADDRESS>\n <AddressLineText>4321 Cul de Sac St</AddressLineText>\n <CityName>Someplace</CityName>\n <CountryCode>US</CountryCode>\n <PostalCode>02723</PostalCode>\n <StateCode>MA</StateCode>\n </ADDRESS>\n <LANDLORD>\n <LANDLORD_DETAIL>\n <MonthlyRentAmount>3000.00</MonthlyRentAmount>\n </LANDLORD_DETAIL>\n </LANDLORD>\n <RESIDENCE_DETAIL>\n <BorrowerResidencyBasisType>Rent</BorrowerResidencyBasisType>\n <BorrowerResidencyDurationMonthsCount>120</BorrowerResidencyDurationMonthsCount>\n <BorrowerResidencyType>Current</BorrowerResidencyType>\n </RESIDENCE_DETAIL>\n </RESIDENCE>\n </RESIDENCES>\n </BORROWER>\n <ROLE_DETAIL>\n <PartyRoleType>Borrower</PartyRoleType>\n </ROLE_DETAIL>\n </ROLE>\n </ROLES>\n <TAXPAYER_IDENTIFIERS>\n <TAXPAYER_IDENTIFIER>\n <TaxpayerIdentifierType>SocialSecurityNumber</TaxpayerIdentifierType>\n <TaxpayerIdentifierValue>999603333</TaxpayerIdentifierValue>\n </TAXPAYER_IDENTIFIER>\n </TAXPAYER_IDENTIFIERS>\n </PARTY>\n <PARTY>\n <INDIVIDUAL>\n <CONTACT_POINTS>\n <CONTACT_POINT>\n <CONTACT_POINT_TELEPHONE>\n <ContactPointTelephoneValue>9999999999</ContactPointTelephoneValue>\n </CONTACT_POINT_TELEPHONE>\n <CONTACT_POINT_DETAIL>\n <ContactPointRoleType>Mobile</ContactPointRoleType>\n </CONTACT_POINT_DETAIL>\n </CONTACT_POINT>\n <CONTACT_POINT>\n <CONTACT_POINT_EMAIL>\n <ContactPointEmailValue>drindner+columbiaamytest2@tidalhq.com</ContactPointEmailValue>\n </CONTACT_POINT_EMAIL>\n </CONTACT_POINT>\n </CONTACT_POINTS>\n <NAME>\n <FirstName>Amy</FirstName>\n <LastName>America</LastName>\n </NAME>\n </INDIVIDUAL>\n <LANGUAGES>\n <LANGUAGE>\n <EXTENSION>\n <OTHER>\n <ULAD:LANGUAGE_EXTENSION>\n <ULAD:LanguageRefusalIndicator>true</ULAD:LanguageRefusalIndicator>\n </ULAD:LANGUAGE_EXTENSION>\n </OTHER>\n </EXTENSION>\n </LANGUAGE>\n </LANGUAGES>\n <ROLES>\n <ROLE SequenceNumber=\"2\" xlink:label=\"BORROWER_2\">\n <BORROWER>\n <BORROWER_DETAIL>\n <BorrowerBirthDate>1996-01-08</BorrowerBirthDate>\n <CommunityPropertyStateResidentIndicator>false</CommunityPropertyStateResidentIndicator>\n <DependentCount>0</DependentCount>\n <MaritalStatusType>Married</MaritalStatusType>\n </BORROWER_DETAIL>\n <CURRENT_INCOME>\n <CURRENT_INCOME_ITEMS>\n <CURRENT_INCOME_ITEM SequenceNumber=\"1\" xlink:label=\"CURRENT_INCOME_ITEM_2_1\">\n <CURRENT_INCOME_ITEM_DETAIL>\n <CurrentIncomeMonthlyTotalAmount>12500.00</CurrentIncomeMonthlyTotalAmount>\n <EmploymentIncomeIndicator>true</EmploymentIncomeIndicator>\n <IncomeType>Base</IncomeType>\n </CURRENT_INCOME_ITEM_DETAIL>\n </CURRENT_INCOME_ITEM>\n </CURRENT_INCOME_ITEMS>\n </CURRENT_INCOME>\n <DECLARATION>\n <DECLARATION_DETAIL>\n <BankruptcyIndicator>false</BankruptcyIndicator>\n <CitizenshipResidencyType>USCitizen</CitizenshipResidencyType>\n <HomeownerPastThreeYearsType>Yes</HomeownerPastThreeYearsType>\n <IntentToOccupyType>Yes</IntentToOccupyType>\n <OutstandingJudgmentsIndicator>false</OutstandingJudgmentsIndicator>\n <PartyToLawsuitIndicator>false</PartyToLawsuitIndicator>\n <PresentlyDelinquentIndicator>false</PresentlyDelinquentIndicator>\n <PriorPropertyDeedInLieuConveyedIndicator>false</PriorPropertyDeedInLieuConveyedIndicator>\n <PriorPropertyForeclosureCompletedIndicator>false</PriorPropertyForeclosureCompletedIndicator>\n <PriorPropertyShortSaleCompletedIndicator>false</PriorPropertyShortSaleCompletedIndicator>\n <PriorPropertyTitleType>JointWithSpouse</PriorPropertyTitleType>\n <PriorPropertyUsageType>Investment</PriorPropertyUsageType>\n <PropertyProposedCleanEnergyLienIndicator>false</PropertyProposedCleanEnergyLienIndicator>\n <UndisclosedBorrowedFundsIndicator>false</UndisclosedBorrowedFundsIndicator>\n <UndisclosedComakerOfNoteIndicator>false</UndisclosedComakerOfNoteIndicator>\n <UndisclosedCreditApplicationIndicator>false</UndisclosedCreditApplicationIndicator>\n <UndisclosedMortgageApplicationIndicator>false</UndisclosedMortgageApplicationIndicator>\n <EXTENSION>\n <OTHER>\n <ULAD:DECLARATION_DETAIL_EXTENSION>\n <ULAD:SpecialBorrowerSellerRelationshipIndicator>false</ULAD:SpecialBorrowerSellerRelationshipIndicator>\n </ULAD:DECLARATION_DETAIL_EXTENSION>\n </OTHER>\n </EXTENSION>\n </DECLARATION_DETAIL>\n </DECLARATION>\n <DEPENDENTS></DEPENDENTS>\n <EMPLOYERS>\n <EMPLOYER SequenceNumber=\"1\" xlink:label=\"EMPLOYER_2_1\">\n <LEGAL_ENTITY>\n <LEGAL_ENTITY_DETAIL>\n <FullName>Costco</FullName>\n </LEGAL_ENTITY_DETAIL>\n </LEGAL_ENTITY>\n <EMPLOYMENT>\n <EmploymentBorrowerSelfEmployedIndicator>false</EmploymentBorrowerSelfEmployedIndicator>\n <EmploymentClassificationType>Primary</EmploymentClassificationType>\n <EmploymentPositionDescription>Manager</EmploymentPositionDescription>\n <EmploymentStartDate>2005-01-01</EmploymentStartDate>\n <EmploymentStatusType>Current</EmploymentStatusType>\n <EmploymentTimeInLineOfWorkMonthsCount>120</EmploymentTimeInLineOfWorkMonthsCount>\n <SpecialBorrowerEmployerRelationshipIndicator>false</SpecialBorrowerEmployerRelationshipIndicator>\n <EXTENSION>\n <OTHER>\n <DU:EMPLOYMENT_EXTENSION>\n <DU:ForeignIncomeIndicator>false</DU:ForeignIncomeIndicator>\n <DU:SeasonalIncomeIndicator>false</DU:SeasonalIncomeIndicator>\n </DU:EMPLOYMENT_EXTENSION>\n </OTHER>\n </EXTENSION>\n </EMPLOYMENT>\n </EMPLOYER>\n </EMPLOYERS>\n <GOVERNMENT_BORROWER></GOVERNMENT_BORROWER>\n <GOVERNMENT_MONITORING>\n <GOVERNMENT_MONITORING_DETAIL>\n <HMDAEthnicityCollectedBasedOnVisualObservationOrSurnameIndicator>false</HMDAEthnicityCollectedBasedOnVisualObservationOrSurnameIndicator>\n <HMDAEthnicityRefusalIndicator>true</HMDAEthnicityRefusalIndicator>\n <HMDAGenderCollectedBasedOnVisualObservationOrNameIndicator>false</HMDAGenderCollectedBasedOnVisualObservationOrNameIndicator>\n <HMDAGenderRefusalIndicator>true</HMDAGenderRefusalIndicator>\n <HMDARaceCollectedBasedOnVisualObservationOrSurnameIndicator>false</HMDARaceCollectedBasedOnVisualObservationOrSurnameIndicator>\n <HMDARaceRefusalIndicator>true</HMDARaceRefusalIndicator>\n <EXTENSION>\n <OTHER>\n <ULAD:GOVERNMENT_MONITORING_DETAIL_EXTENSION>\n <ULAD:ApplicationTakenMethodType>Internet</ULAD:ApplicationTakenMethodType>\n </ULAD:GOVERNMENT_MONITORING_DETAIL_EXTENSION>\n </OTHER>\n </EXTENSION>\n </GOVERNMENT_MONITORING_DETAIL>\n </GOVERNMENT_MONITORING>\n <RESIDENCES>\n <RESIDENCE>\n <ADDRESS>\n <AddressLineText>4321 Cul de Sac St</AddressLineText>\n <CityName>Someplace</CityName>\n <CountryCode>US</CountryCode>\n <PostalCode>02723</PostalCode>\n <StateCode>MA</StateCode>\n </ADDRESS>\n <LANDLORD>\n <LANDLORD_DETAIL>\n <MonthlyRentAmount>3000.00</MonthlyRentAmount>\n </LANDLORD_DETAIL>\n </LANDLORD>\n <RESIDENCE_DETAIL>\n <BorrowerResidencyBasisType>Rent</BorrowerResidencyBasisType>\n <BorrowerResidencyDurationMonthsCount>120</BorrowerResidencyDurationMonthsCount>\n <BorrowerResidencyType>Current</BorrowerResidencyType>\n </RESIDENCE_DETAIL>\n </RESIDENCE>\n </RESIDENCES>\n </BORROWER>\n <ROLE_DETAIL>\n <PartyRoleType>Borrower</PartyRoleType>\n </ROLE_DETAIL>\n </ROLE>\n </ROLES>\n <TAXPAYER_IDENTIFIERS>\n <TAXPAYER_IDENTIFIER>\n <TaxpayerIdentifierType>SocialSecurityNumber</TaxpayerIdentifierType>\n <TaxpayerIdentifierValue>500602222</TaxpayerIdentifierValue>\n </TAXPAYER_IDENTIFIER>\n </TAXPAYER_IDENTIFIERS>\n </PARTY>\n <PARTY>\n <LEGAL_ENTITY>\n <LEGAL_ENTITY_DETAIL>\n <FullName>ABC Bank</FullName>\n </LEGAL_ENTITY_DETAIL>\n </LEGAL_ENTITY>\n <ADDRESSES>\n <ADDRESS>\n <AddressLineText>123 Main St</AddressLineText>\n <CityName>MyCity</CityName>\n <CountryCode>US</CountryCode>\n <PostalCode>12345</PostalCode>\n <StateCode>OH</StateCode>\n </ADDRESS>\n </ADDRESSES>\n <ROLES>\n <ROLE SequenceNumber=\"1\" xlink:label=\"LOAN_ORIGINATION_COMPANY_1\">\n <LICENSES>\n <LICENSE>\n <LICENSE_DETAIL>\n <LicenseAuthorityLevelType>Private</LicenseAuthorityLevelType>\n <LicenseIdentifier>123456</LicenseIdentifier>\n </LICENSE_DETAIL>\n </LICENSE>\n <LICENSE>\n <LICENSE_DETAIL>\n <LicenseAuthorityLevelType>PublicState</LicenseAuthorityLevelType>\n <LicenseIdentifier>1234</LicenseIdentifier>\n </LICENSE_DETAIL>\n </LICENSE>\n </LICENSES>\n <ROLE_DETAIL>\n <PartyRoleType>LoanOriginationCompany</PartyRoleType>\n </ROLE_DETAIL>\n </ROLE>\n </ROLES>\n </PARTY>\n <PARTY>\n <INDIVIDUAL>\n <CONTACT_POINTS>\n <CONTACT_POINT></CONTACT_POINT>\n </CONTACT_POINTS>\n <NAME>\n <FirstName>Derek</FirstName>\n <LastName>Test</LastName>\n <MiddleName>Staging</MiddleName>\n </NAME>\n </INDIVIDUAL>\n <ROLES>\n <ROLE SequenceNumber=\"1\" xlink:label=\"LOAN_ORIGINATOR_1\">\n <LICENSES>\n <LICENSE>\n <LICENSE_DETAIL>\n <LicenseAuthorityLevelType>Private</LicenseAuthorityLevelType>\n <LicenseIdentifier>123456</LicenseIdentifier>\n </LICENSE_DETAIL>\n </LICENSE>\n <LICENSE>\n <LICENSE_DETAIL>\n <LicenseAuthorityLevelType>PublicState</LicenseAuthorityLevelType>\n <LicenseIdentifier>123456</LicenseIdentifier>\n </LICENSE_DETAIL>\n </LICENSE>\n </LICENSES>\n <ROLE_DETAIL>\n <PartyRoleType>LoanOriginator</PartyRoleType>\n </ROLE_DETAIL>\n </ROLE>\n </ROLES>\n </PARTY>\n </PARTIES>\n <RELATIONSHIPS>\n <RELATIONSHIP SequenceNumber=\"1\" xlink:arcrole=\"urn:fdc:mismo.org:2009:residential/CURRENT_INCOME_ITEM_IsAssociatedWith_EMPLOYER\" xlink:from=\"CURRENT_INCOME_ITEM_1_1\" xlink:to=\"EMPLOYER_1_1\"></RELATIONSHIP>\n <RELATIONSHIP SequenceNumber=\"2\" xlink:arcrole=\"urn:fdc:mismo.org:2009:residential/CURRENT_INCOME_ITEM_IsAssociatedWith_EMPLOYER\" xlink:from=\"CURRENT_INCOME_ITEM_2_1\" xlink:to=\"EMPLOYER_2_1\"></RELATIONSHIP>\n <RELATIONSHIP SequenceNumber=\"3\" xlink:arcrole=\"urn:fdc:mismo.org:2009:residential/ROLE_SharesJointCreditReportWith_ROLE\" xlink:from=\"BORROWER_2\" xlink:to=\"BORROWER_1\"></RELATIONSHIP>\n <RELATIONSHIP SequenceNumber=\"4\" xlink:arcrole=\"urn:fdc:mismo.org:2009:residential/ASSET_IsAssociatedWith_ROLE\" xlink:from=\"ASSET_1\" xlink:to=\"BORROWER_2\"></RELATIONSHIP>\n <RELATIONSHIP SequenceNumber=\"5\" xlink:arcrole=\"urn:fdc:mismo.org:2009:residential/ASSET_IsAssociatedWith_ROLE\" xlink:from=\"ASSET_1\" xlink:to=\"BORROWER_1\"></RELATIONSHIP>\n <RELATIONSHIP SequenceNumber=\"6\" xlink:arcrole=\"urn:fdc:mismo.org:2009:residential/ASSET_IsAssociatedWith_ROLE\" xlink:from=\"ASSET_2\" xlink:to=\"BORROWER_2\"></RELATIONSHIP>\n <RELATIONSHIP SequenceNumber=\"7\" xlink:arcrole=\"urn:fdc:mismo.org:2009:residential/ASSET_IsAssociatedWith_ROLE\" xlink:from=\"ASSET_2\" xlink:to=\"BORROWER_1\"></RELATIONSHIP>\n <RELATIONSHIP SequenceNumber=\"8\" xlink:arcrole=\"urn:fdc:mismo.org:2009:residential/ASSET_IsAssociatedWith_ROLE\" xlink:from=\"ASSET_3\" xlink:to=\"BORROWER_1\"></RELATIONSHIP>\n <RELATIONSHIP SequenceNumber=\"9\" xlink:arcrole=\"urn:fdc:mismo.org:2009:residential/LIABILITY_IsAssociatedWith_ROLE\" xlink:from=\"LIABILITY_1\" xlink:to=\"BORROWER_1\"></RELATIONSHIP>\n <RELATIONSHIP SequenceNumber=\"10\" xlink:arcrole=\"urn:fdc:mismo.org:2009:residential/ASSET_IsAssociatedWith_LIABILITY\" xlink:from=\"ASSET_3\" xlink:to=\"LIABILITY_1\"></RELATIONSHIP>\n <RELATIONSHIP SequenceNumber=\"11\" xlink:arcrole=\"urn:fdc:mismo.org:2009:residential/LIABILITY_IsAssociatedWith_ROLE\" xlink:from=\"LIABILITY_2\" xlink:to=\"BORROWER_1\"></RELATIONSHIP>\n <RELATIONSHIP SequenceNumber=\"12\" xlink:arcrole=\"urn:fdc:mismo.org:2009:residential/LIABILITY_IsAssociatedWith_ROLE\" xlink:from=\"LIABILITY_2\" xlink:to=\"BORROWER_2\"></RELATIONSHIP>\n <RELATIONSHIP SequenceNumber=\"13\" xlink:arcrole=\"urn:fdc:mismo.org:2009:residential/ASSET_IsAssociatedWith_LIABILITY\" xlink:from=\"ASSET_3\" xlink:to=\"LIABILITY_2\"></RELATIONSHIP>\n <RELATIONSHIP SequenceNumber=\"14\" xlink:arcrole=\"urn:fdc:mismo.org:2009:residential/LIABILITY_IsAssociatedWith_ROLE\" xlink:from=\"LIABILITY_3\" xlink:to=\"BORROWER_1\"></RELATIONSHIP>\n <RELATIONSHIP SequenceNumber=\"15\" xlink:arcrole=\"urn:fdc:mismo.org:2009:residential/LIABILITY_IsAssociatedWith_ROLE\" xlink:from=\"LIABILITY_3\" xlink:to=\"BORROWER_2\"></RELATIONSHIP>\n <RELATIONSHIP SequenceNumber=\"16\" xlink:arcrole=\"urn:fdc:mismo.org:2009:residential/LIABILITY_IsAssociatedWith_ROLE\" xlink:from=\"LIABILITY_4\" xlink:to=\"BORROWER_1\"></RELATIONSHIP>\n <RELATIONSHIP SequenceNumber=\"17\" xlink:arcrole=\"urn:fdc:mismo.org:2009:residential/LIABILITY_IsAssociatedWith_ROLE\" xlink:from=\"LIABILITY_5\" xlink:to=\"BORROWER_1\"></RELATIONSHIP>\n <RELATIONSHIP SequenceNumber=\"18\" xlink:arcrole=\"urn:fdc:mismo.org:2009:residential/LIABILITY_IsAssociatedWith_ROLE\" xlink:from=\"LIABILITY_5\" xlink:to=\"BORROWER_2\"></RELATIONSHIP>\n <RELATIONSHIP SequenceNumber=\"19\" xlink:arcrole=\"urn:fdc:mismo.org:2009:residential/LIABILITY_IsAssociatedWith_ROLE\" xlink:from=\"LIABILITY_6\" xlink:to=\"BORROWER_1\"></RELATIONSHIP>\n <RELATIONSHIP SequenceNumber=\"20\" xlink:arcrole=\"urn:fdc:mismo.org:2009:residential/LIABILITY_IsAssociatedWith_ROLE\" xlink:from=\"LIABILITY_7\" xlink:to=\"BORROWER_1\"></RELATIONSHIP>\n <RELATIONSHIP SequenceNumber=\"21\" xlink:arcrole=\"urn:fdc:mismo.org:2009:residential/LIABILITY_IsAssociatedWith_ROLE\" xlink:from=\"LIABILITY_7\" xlink:to=\"BORROWER_2\"></RELATIONSHIP>\n </RELATIONSHIPS>\n <SERVICES></SERVICES>\n </DEAL>\n </DEALS>\n </DEAL_SET>\n </DEAL_SETS>\n</MESSAGE>"}
|
| {"test_case_number": 9, "bank_statement": "{\"plaid_files\": [{\"seed\": \"pp-lp-platypus-4acct-final-affirm-credit-001\", \"override_accounts\": [{\"type\": \"depository\", \"subtype\": \"checking\", \"starting_balance\": 205600, \"currency\": \"USD\", \"numbers\": {\"account\": \"001122334411\"}, \"transactions\": [{\"date_transacted\": \"2025-07-20\", \"date_posted\": \"2025-07-21\", \"amount\": 92.44, \"description\": \"ONLINE BILL PAY - BALTIMORE CITY WATER PPD ID:123456789\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00001\"}, {\"date_transacted\": \"2025-07-20\", \"date_posted\": \"2025-07-21\", \"amount\": 132.18, \"description\": \"SAFEWAY #312 BALTIMORE MD\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00002\"}, {\"date_transacted\": \"2025-07-20\", \"date_posted\": \"2025-07-21\", \"amount\": 14.25, \"description\": \"STARBUCKS #4457 BALTIMORE MD\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00003\"}, {\"date_transacted\": \"2025-07-21\", \"date_posted\": \"2025-07-22\", \"amount\": 2400, \"description\": \"ACH DEBIT GREYSTAR REAL ESTATE PMT PPD ID:123456789\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00004\"}, {\"date_transacted\": \"2025-07-23\", \"date_posted\": \"2025-07-24\", \"amount\": 129.99, \"description\": \"VERIZON WIRELESS AUTO-PAY PPD ID:987654321\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00005\"}, {\"date_transacted\": \"2025-07-25\", \"date_posted\": \"2025-07-26\", \"amount\": -1850, \"description\": \"ACH CREDIT PAYROLL - AAA INC PPD ID:234567890\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00006\"}, {\"date_transacted\": \"2025-07-26\", \"date_posted\": \"2025-07-27\", \"amount\": 746, \"description\": \"ACH DEBIT - ACE MGT PMT PPD ID:345678901\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00007\"}, {\"date_transacted\": \"2025-07-26\", \"date_posted\": \"2025-07-27\", \"amount\": 233, \"description\": \"ACH DEBIT - BEST MGT PMT PPD ID:456789012\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00008\"}, {\"date_transacted\": \"2025-07-27\", \"date_posted\": \"2025-07-28\", \"amount\": 245, \"description\": \"ACH DEBIT - ENLIGHTENED BANK PAYMENT PPD ID:567890123\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00009\"}, {\"date_transacted\": \"2025-07-28\", \"date_posted\": \"2025-07-29\", \"amount\": -3000, \"description\": \"ACH DEPOSIT COMMUNITY SAVINGS FUND PPD ID:678901234\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00010\"}, {\"date_transacted\": \"2025-07-29\", \"date_posted\": \"2025-07-30\", \"amount\": 89, \"description\": \"ACH DEBIT - AFFIRM PAYMENTS INC PPD ID:789012345\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00011\"}, {\"date_transacted\": \"2025-07-30\", \"date_posted\": \"2025-07-31\", \"amount\": 125, \"description\": \"ACH DEBIT - MERRY CC PAYMENT PPD ID:890123456\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00012\"}, {\"date_transacted\": \"2025-07-31\", \"date_posted\": \"2025-08-01\", \"amount\": 95, \"description\": \"ACH DEBIT - NO NONSENSE CC PAYMENT PPD ID:901234567\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00013\"}, {\"date_transacted\": \"2025-08-05\", \"date_posted\": \"2025-08-06\", \"amount\": 42.3, \"description\": \"UBER TRIP HELP.UBER.COM\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00014\"}, {\"date_transacted\": \"2025-08-10\", \"date_posted\": \"2025-08-11\", \"amount\": -2500, \"description\": \"ACH CREDIT - BEFOREPAY PPD ID:012345678\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00015\"}, {\"date_transacted\": \"2025-08-16\", \"date_posted\": \"2025-08-17\", \"amount\": -1850, \"description\": \"ACH CREDIT PAYROLL - AAA INC PPD ID:109876543\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00016\"}, {\"date_transacted\": \"2025-08-17\", \"date_posted\": \"2025-08-18\", \"amount\": 2400, \"description\": \"ACH DEBIT GREYSTAR REAL ESTATE PMT PPD ID:123456789\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00017\"}, {\"date_transacted\": \"2025-08-19\", \"date_posted\": \"2025-08-20\", \"amount\": 92.18, \"description\": \"PEPCO ELECTRIC ONLINE BILL PAY PPD ID:210987654\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00018\"}, {\"date_transacted\": \"2025-08-21\", \"date_posted\": \"2025-08-22\", \"amount\": 129.99, \"description\": \"VERIZON WIRELESS AUTO-PAY PPD ID:321654987\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00019\"}, {\"date_transacted\": \"2025-08-25\", \"date_posted\": \"2025-08-26\", \"amount\": -1850, \"description\": \"ACH CREDIT PAYROLL - AAA INC PPD ID:432109876\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00020\"}, {\"date_transacted\": \"2025-08-26\", \"date_posted\": \"2025-08-27\", \"amount\": 746, \"description\": \"ACH DEBIT - ACE MGT PMT PPD ID:543210987\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00021\"}, {\"date_transacted\": \"2025-08-26\", \"date_posted\": \"2025-08-27\", \"amount\": 233, \"description\": \"ACH DEBIT - BEST MGT PMT PPD ID:654321098\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00022\"}, {\"date_transacted\": \"2025-08-27\", \"date_posted\": \"2025-08-28\", \"amount\": 245, \"description\": \"ACH DEBIT - ENLIGHTENED BANK PAYMENT PPD ID:765432109\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00023\"}, {\"date_transacted\": \"2025-08-28\", \"date_posted\": \"2025-08-29\", \"amount\": -3000, \"description\": \"ACH DEPOSIT COMMUNITY SAVINGS FUND PPD ID:876543210\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00024\"}, {\"date_transacted\": \"2025-08-29\", \"date_posted\": \"2025-08-30\", \"amount\": 89, \"description\": \"ACH DEBIT - AFFIRM PAYMENTS INC PPD ID:987654321\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00025\"}, {\"date_transacted\": \"2025-08-30\", \"date_posted\": \"2025-08-31\", \"amount\": 125, \"description\": \"ACH DEBIT - MERRY CC PAYMENT PPD ID:098765432\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00026\"}, {\"date_transacted\": \"2025-08-31\", \"date_posted\": \"2025-09-01\", \"amount\": 95, \"description\": \"ACH DEBIT - NO NONSENSE CC PAYMENT PPD ID:109876543\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00027\"}, {\"date_transacted\": \"2025-09-03\", \"date_posted\": \"2025-09-04\", \"amount\": -25000, \"description\": \"WIRE IN CREDIT TRN: SWIFTC20250817001\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00028\"}, {\"date_transacted\": \"2025-09-05\", \"date_posted\": \"2025-09-06\", \"amount\": -3000, \"description\": \"ACH DEPOSIT COMMUNITY SAVINGS FUND PPD ID:321654987\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00029\"}, {\"date_transacted\": \"2025-09-16\", \"date_posted\": \"2025-09-17\", \"amount\": -1850, \"description\": \"ACH CREDIT PAYROLL - AAA INC PPD ID:432109876\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00030\"}], \"identity\": {\"names\": [\"Patrick Purchaser\", \"Lorraine Purchaser\"], \"addresses\": [{\"primary\": true, \"data\": {\"country\": \"US\", \"city\": \"Baltimore\", \"street\": \"1234 Main St\", \"postal_code\": \"20600\", \"region\": \"MD\"}}]}}, {\"type\": \"depository\", \"subtype\": \"savings\", \"starting_balance\": 54500, \"currency\": \"USD\", \"numbers\": {\"account\": \"001122335522\"}, \"transactions\": [{\"date_transacted\": \"2025-07-17\", \"date_posted\": \"2025-07-18\", \"amount\": -6.75, \"description\": \"INTEREST CREDIT\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00031\"}, {\"date_transacted\": \"2025-07-31\", \"date_posted\": \"2025-08-01\", \"amount\": -500, \"description\": \"ONLINE TRANSFER FROM CHECKING\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00032\"}, {\"date_transacted\": \"2025-08-16\", \"date_posted\": \"2025-08-17\", \"amount\": -6.9, \"description\": \"INTEREST CREDIT\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00033\"}, {\"date_transacted\": \"2025-08-17\", \"date_posted\": \"2025-08-18\", \"amount\": -7.05, \"description\": \"INTEREST CREDIT\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00034\"}, {\"date_transacted\": \"2025-09-05\", \"date_posted\": \"2025-09-06\", \"amount\": -1000, \"description\": \"ONLINE TRANSFER FROM CHECKING\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00035\"}, {\"date_transacted\": \"2025-09-16\", \"date_posted\": \"2025-09-17\", \"amount\": -7.25, \"description\": \"INTEREST CREDIT\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00036\"}], \"identity\": {\"names\": [\"Patrick Purchaser\", \"Lorraine Purchaser\"]}}, {\"type\": \"investment\", \"subtype\": \"utma\", \"starting_balance\": 15000, \"currency\": \"USD\", \"numbers\": {\"account\": \"001122337788\"}, \"transactions\": [{\"date_transacted\": \"2025-07-17\", \"date_posted\": \"2025-07-18\", \"amount\": -4.5, \"description\": \"INTEREST CREDIT\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00037\"}, {\"date_transacted\": \"2025-07-30\", \"date_posted\": \"2025-07-31\", \"amount\": -150, \"description\": \"ONLINE TRANSFER FROM CHECKING\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00038\"}, {\"date_transacted\": \"2025-08-16\", \"date_posted\": \"2025-08-17\", \"amount\": -4.65, \"description\": \"INTEREST CREDIT\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00039\"}, {\"date_transacted\": \"2025-08-17\", \"date_posted\": \"2025-08-18\", \"amount\": -4.7, \"description\": \"INTEREST CREDIT\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00040\"}, {\"date_transacted\": \"2025-08-26\", \"date_posted\": \"2025-08-27\", \"amount\": -100, \"description\": \"ONLINE TRANSFER FROM CHECKING\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00041\"}, {\"date_transacted\": \"2025-09-16\", \"date_posted\": \"2025-09-17\", \"amount\": -4.85, \"description\": \"INTEREST CREDIT\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00042\"}], \"identity\": {\"names\": [\"Patrick Purchaser, as custodian for Jordan Purchaser\"]}}]}, {\"seed\": \"pp-lp-tartan-4acct-final-affirm-001\", \"override_accounts\": [{\"type\": \"depository\", \"subtype\": \"checking\", \"starting_balance\": 9200.0, \"currency\": \"USD\", \"numbers\": {\"account\": \"556677889921\"}, \"identity\": {\"names\": [\"Purchaser Home Services LLC\", \"Patrick Purchaser (authorized signer)\"], \"addresses\": [{\"primary\": true, \"data\": {\"street\": \"1234 Main St\", \"city\": \"Baltimore\", \"region\": \"MD\", \"postal_code\": \"20600\", \"country\": \"US\"}}]}, \"transactions\": [{\"date_transacted\": \"2025-07-20\", \"date_posted\": \"2025-07-21\", \"amount\": -85.4, \"description\": \"SHELL FLEET CARD 8821 BALTIMORE MD\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00043\"}, {\"date_transacted\": \"2025-07-20\", \"date_posted\": \"2025-07-21\", \"amount\": -225.0, \"description\": \"ADOBE CLOUD BUSINESS SUBSCRIPTION PPD ID: 84B1X3V9K2\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00044\"}, {\"date_transacted\": \"2025-07-20\", \"date_posted\": \"2025-07-21\", \"amount\": -42.33, \"description\": \"RESTAURANT POS - PANERA BREAD #7742\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00045\"}, {\"date_transacted\": \"2025-07-22\", \"date_posted\": \"2025-07-23\", \"amount\": -312.17, \"description\": \"SHELL COMMERCIAL FUEL #8821\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00046\"}, {\"date_transacted\": \"2025-07-24\", \"date_posted\": \"2025-07-25\", \"amount\": -149.99, \"description\": \"AMAZON BUSINESS PRIME MEMBERSHIP PPD ID: 7J5H4G2F1E\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00047\"}, {\"date_transacted\": \"2025-07-25\", \"date_posted\": \"2025-07-26\", \"amount\": 5200.0, \"description\": \"ACH CREDIT - CUSTOMER PAYMENT INV #1042\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00048\"}, {\"date_transacted\": \"2025-07-26\", \"date_posted\": \"2025-07-27\", \"amount\": -94.6, \"description\": \"STAPLES STORE #220 BALTIMORE MD\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00049\"}, {\"date_transacted\": \"2025-07-27\", \"date_posted\": \"2025-07-28\", \"amount\": -63.2, \"description\": \"UBER TRIP - CLIENT VISIT\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00050\"}, {\"date_transacted\": \"2025-07-29\", \"date_posted\": \"2025-07-30\", \"amount\": -1800.0, \"description\": \"ONLINE TRANSFER TO JOINT SAVINGS\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00051\"}, {\"date_transacted\": \"2025-07-30\", \"date_posted\": \"2025-07-31\", \"amount\": -1450.0, \"description\": \"ACH DEBIT - CONTRACTOR PAYOUTS\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00052\"}, {\"date_transacted\": \"2025-08-01\", \"date_posted\": \"2025-08-02\", \"amount\": -58.42, \"description\": \"OFFICE DEPOT #441 BALTIMORE MD\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00053\"}, {\"date_transacted\": \"2025-08-02\", \"date_posted\": \"2025-08-03\", \"amount\": -75.2, \"description\": \"RESTAURANT POS - CHIPOTLE BUSINESS LUNCH\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00054\"}, {\"date_transacted\": \"2025-08-04\", \"date_posted\": \"2025-08-05\", \"amount\": -96.21, \"description\": \"UPS SHIPPING CENTER #771\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00055\"}, {\"date_transacted\": \"2025-08-08\", \"date_posted\": \"2025-08-09\", \"amount\": -84.18, \"description\": \"BEST BUY #1204 SMALL EQUIPMENT\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00056\"}, {\"date_transacted\": \"2025-08-11\", \"date_posted\": \"2025-08-12\", \"amount\": -225.0, \"description\": \"ADOBE CLOUD BUSINESS SUBSCRIPTION PPD ID: 84B1X3V9K2\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00057\"}, {\"date_transacted\": \"2025-08-15\", \"date_posted\": \"2025-08-16\", \"amount\": 3800.0, \"description\": \"ACH CREDIT - CUSTOMER PAYMENT INV #1043\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00058\"}, {\"date_transacted\": \"2025-08-16\", \"date_posted\": \"2025-08-17\", \"amount\": -142.55, \"description\": \"WALMART BUSINESS SUPPLY\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00059\"}, {\"date_transacted\": \"2025-08-18\", \"date_posted\": \"2025-08-19\", \"amount\": -2400.0, \"description\": \"ACH DEBIT - BUSINESS PPD ID: TYRH202508\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00060\"}, {\"date_transacted\": \"2025-08-19\", \"date_posted\": \"2025-08-20\", \"amount\": -129.0, \"description\": \"ZOOM PRO BUSINESS SUBSCRIPTION PPD ID: ZM9C8B7A6\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00061\"}, {\"date_transacted\": \"2025-08-20\", \"date_posted\": \"2025-08-21\", \"amount\": -88.7, \"description\": \"SHELL FLEET CARD 8821 BALTIMORE MD\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00062\"}, {\"date_transacted\": \"2025-08-22\", \"date_posted\": \"2025-08-23\", \"amount\": -420.18, \"description\": \"UPS SHIPPING CENTER #771\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00063\"}, {\"date_transacted\": \"2025-08-23\", \"date_posted\": \"2025-08-24\", \"amount\": -52.3, \"description\": \"RESTAURANT POS - SUBWAY BUSINESS LUNCH\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00064\"}, {\"date_transacted\": \"2025-08-25\", \"date_posted\": \"2025-08-26\", \"amount\": -950.0, \"description\": \"ACH DEBIT - CONTRACTOR PAYOUTS\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00065\"}, {\"date_transacted\": \"2025-08-27\", \"date_posted\": \"2025-08-28\", \"amount\": -36.8, \"description\": \"UBER TRIP - CLIENT MEETING\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00066\"}, {\"date_transacted\": \"2025-08-29\", \"date_posted\": \"2025-08-30\", \"amount\": -420.18, \"description\": \"UPS SHIPPING CENTER #771\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00067\"}, {\"date_transacted\": \"2025-08-30\", \"date_posted\": \"2025-08-31\", \"amount\": -88.4, \"description\": \"STAPLES STORE #220 BALTIMORE MD\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00068\"}, {\"date_transacted\": \"2025-09-01\", \"date_posted\": \"2025-09-02\", \"amount\": 6100.0, \"description\": \"ACH CREDIT - CUSTOMER PAYMENT INV #1044\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00069\"}, {\"date_transacted\": \"2025-09-03\", \"date_posted\": \"2025-09-04\", \"amount\": -129.0, \"description\": \"ZOOM PRO BUSINESS SUBSCRIPTION PPD ID: ZM9C8B7A6\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00070\"}, {\"date_transacted\": \"2025-09-04\", \"date_posted\": \"2025-09-05\", \"amount\": -68.22, \"description\": \"OFFICE DEPOT #441 BALTIMORE MD\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00071\"}, {\"date_transacted\": \"2025-09-06\", \"date_posted\": \"2025-09-07\", \"amount\": -1800.0, \"description\": \"ONLINE TRANSFER TO JOINT SAVINGS\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00072\"}, {\"date_transacted\": \"2025-09-07\", \"date_posted\": \"2025-09-08\", \"amount\": -49.99, \"description\": \"GOOGLE WORKSPACE BUSINESS APPS PPD ID: GWS5D4E3F2\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00073\"}, {\"date_transacted\": \"2025-09-08\", \"date_posted\": \"2025-09-09\", \"amount\": -225.0, \"description\": \"ADOBE CLOUD BUSINESS SUBSCRIPTION PPD ID: 84B1X3V9K2\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00074\"}, {\"date_transacted\": \"2025-09-09\", \"date_posted\": \"2025-09-10\", \"amount\": -72.15, \"description\": \"RESTAURANT POS - PANERA BREAD #7742\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00075\"}, {\"date_transacted\": \"2025-09-11\", \"date_posted\": \"2025-09-12\", \"amount\": -95.0, \"description\": \"FEDEX EXPRESS #4411\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00076\"}, {\"date_transacted\": \"2025-09-13\", \"date_posted\": \"2025-09-14\", \"amount\": -88.62, \"description\": \"EXXONMOBIL FLEET #5512\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00077\"}, {\"date_transacted\": \"2025-09-16\", \"date_posted\": \"2025-09-17\", \"amount\": -42.5, \"description\": \"STARBUCKS #5566 BUSINESS TRAVEL\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00078\"}]}]}]}", "ulad_du": "<MESSAGE xmlns=\"http://www.mismo.org/residential/2009/schemas\" xmlns:ULAD=\"http://www.datamodelextension.org/Schema/ULAD\" xmlns:DU=\"http://www.datamodelextension.org/Schema/DU\" xmlns:xlink=\"http://www.w3.org/1999/xlink\" MISMOReferenceModelIdentifier=\"3.4.032420160128\">\n <ABOUT_VERSIONS>\n <ABOUT_VERSION>\n <AboutVersionIdentifier>DU Spec 1.8.5</AboutVersionIdentifier>\n <CreatedDatetime>2025-09-19T18:16:39.114884558Z</CreatedDatetime>\n </ABOUT_VERSION>\n </ABOUT_VERSIONS>\n <DEAL_SETS>\n <DEAL_SET>\n <DEALS>\n <DEAL>\n <ASSETS>\n <ASSET SequenceNumber=\"1\" xlink:label=\"ASSET_1\">\n <ASSET_DETAIL>\n <AssetAccountIdentifier>5522</AssetAccountIdentifier>\n <AssetCashOrMarketValueAmount>54500.00</AssetCashOrMarketValueAmount>\n <AssetType>SavingsAccount</AssetType>\n </ASSET_DETAIL>\n <ASSET_HOLDER>\n <NAME>\n <FullName>First Platypus Bank</FullName>\n </NAME>\n </ASSET_HOLDER>\n </ASSET>\n <ASSET SequenceNumber=\"2\" xlink:label=\"ASSET_2\">\n <ASSET_DETAIL>\n <AssetAccountIdentifier>4411</AssetAccountIdentifier>\n <AssetCashOrMarketValueAmount>205600.00</AssetCashOrMarketValueAmount>\n <AssetType>CheckingAccount</AssetType>\n </ASSET_DETAIL>\n <ASSET_HOLDER>\n <NAME>\n <FullName>First Platypus Bank</FullName>\n </NAME>\n </ASSET_HOLDER>\n </ASSET>\n <ASSET SequenceNumber=\"3\" xlink:label=\"ASSET_3\">\n <ASSET_DETAIL>\n <AssetAccountIdentifier>7788</AssetAccountIdentifier>\n <AssetCashOrMarketValueAmount>15000.00</AssetCashOrMarketValueAmount>\n <AssetType>SavingsAccount</AssetType>\n </ASSET_DETAIL>\n <ASSET_HOLDER>\n <NAME>\n <FullName>First Platypus Bank</FullName>\n </NAME>\n </ASSET_HOLDER>\n </ASSET>\n <ASSET SequenceNumber=\"4\" xlink:label=\"ASSET_4\">\n <ASSET_DETAIL>\n <AssetAccountIdentifier>9921</AssetAccountIdentifier>\n <AssetCashOrMarketValueAmount>9200.00</AssetCashOrMarketValueAmount>\n <AssetType>CheckingAccount</AssetType>\n </ASSET_DETAIL>\n <ASSET_HOLDER>\n <NAME>\n <FullName>First Gingham Credit Union</FullName>\n </NAME>\n </ASSET_HOLDER>\n </ASSET>\n <ASSET SequenceNumber=\"5\" xlink:label=\"ASSET_5\">\n <ASSET_DETAIL>\n <AssetType>RealEstateOwned</AssetType>\n </ASSET_DETAIL>\n <OWNED_PROPERTY>\n <OWNED_PROPERTY_DETAIL>\n <OwnedPropertyDispositionStatusType>Retain</OwnedPropertyDispositionStatusType>\n <OwnedPropertyLienUPBAmount>124268.00</OwnedPropertyLienUPBAmount>\n <OwnedPropertySubjectIndicator>false</OwnedPropertySubjectIndicator>\n </OWNED_PROPERTY_DETAIL>\n <PROPERTY>\n <ADDRESS>\n <AddressLineText>1005 Beverly Ave</AddressLineText>\n <CityName>Asbury Park</CityName>\n <CountryCode>US</CountryCode>\n <PostalCode>07712</PostalCode>\n <StateCode>NJ</StateCode>\n </ADDRESS>\n <PROPERTY_DETAIL>\n <PropertyCurrentUsageType>SecondHome</PropertyCurrentUsageType>\n <PropertyEstimatedValueAmount>1200000.00</PropertyEstimatedValueAmount>\n <PropertyUsageType>SecondHome</PropertyUsageType>\n </PROPERTY_DETAIL>\n </PROPERTY>\n </OWNED_PROPERTY>\n </ASSET>\n </ASSETS>\n <COLLATERALS>\n <COLLATERAL>\n <SUBJECT_PROPERTY>\n <ADDRESS>\n <CityName>ASBURY PARK</CityName>\n <CountryCode>US</CountryCode>\n <PostalCode>07712</PostalCode>\n <StateCode>NJ</StateCode>\n </ADDRESS>\n <LOCATION_IDENTIFIER>\n <FIPS_INFORMATION>\n <FIPSCountyCode>025</FIPSCountyCode>\n <FIPSStateNumericCode>34</FIPSStateNumericCode>\n </FIPS_INFORMATION>\n </LOCATION_IDENTIFIER>\n <PROPERTY_DETAIL>\n <AttachmentType>Detached</AttachmentType>\n <CommunityPropertyStateIndicator>false</CommunityPropertyStateIndicator>\n <ConstructionMethodType>SiteBuilt</ConstructionMethodType>\n <FHASecondaryResidenceIndicator>false</FHASecondaryResidenceIndicator>\n <FinancedUnitCount>1</FinancedUnitCount>\n <PropertyEstateType>FeeSimple</PropertyEstateType>\n <PropertyEstimatedValueAmount>800000.00</PropertyEstimatedValueAmount>\n <PropertyExistingCleanEnergyLienIndicator>false</PropertyExistingCleanEnergyLienIndicator>\n <PropertyInProjectIndicator>false</PropertyInProjectIndicator>\n <PropertyMixedUsageIndicator>false</PropertyMixedUsageIndicator>\n <PropertyUsageType>Investment</PropertyUsageType>\n <PUDIndicator>false</PUDIndicator>\n <RentalEstimatedGrossMonthlyRentAmount>4500.00</RentalEstimatedGrossMonthlyRentAmount>\n <RentalEstimatedNetMonthlyRentAmount>-479.94</RentalEstimatedNetMonthlyRentAmount>\n </PROPERTY_DETAIL>\n <PROPERTY_VALUATIONS>\n <PROPERTY_VALUATION>\n <PROPERTY_VALUATION_DETAIL>\n <PropertyValuationAmount>800000.00</PropertyValuationAmount>\n </PROPERTY_VALUATION_DETAIL>\n </PROPERTY_VALUATION>\n </PROPERTY_VALUATIONS>\n <SALES_CONTRACTS>\n <SALES_CONTRACT>\n <SALES_CONTRACT_DETAIL>\n <SalesContractAmount>800000.00</SalesContractAmount>\n </SALES_CONTRACT_DETAIL>\n </SALES_CONTRACT>\n </SALES_CONTRACTS>\n </SUBJECT_PROPERTY>\n </COLLATERAL>\n </COLLATERALS>\n <LIABILITIES>\n <LIABILITY SequenceNumber=\"1\" xlink:label=\"LIABILITY_1\">\n <LIABILITY_DETAIL>\n <LiabilityAccountIdentifier>407173</LiabilityAccountIdentifier>\n <LiabilityExclusionIndicator>false</LiabilityExclusionIndicator>\n <LiabilityMonthlyPaymentAmount>746.00</LiabilityMonthlyPaymentAmount>\n <LiabilityPaymentIncludesTaxesInsuranceIndicator>true</LiabilityPaymentIncludesTaxesInsuranceIndicator>\n <LiabilityPayoffStatusIndicator>false</LiabilityPayoffStatusIndicator>\n <LiabilityType>MortgageLoan</LiabilityType>\n <LiabilityUnpaidBalanceAmount>98514.00</LiabilityUnpaidBalanceAmount>\n <SubjectLoanResubordinationIndicator>false</SubjectLoanResubordinationIndicator>\n </LIABILITY_DETAIL>\n <LIABILITY_HOLDER>\n <NAME>\n <FullName>ACE MORTGAGE</FullName>\n </NAME>\n </LIABILITY_HOLDER>\n </LIABILITY>\n <LIABILITY SequenceNumber=\"2\" xlink:label=\"LIABILITY_2\">\n <LIABILITY_DETAIL>\n <LiabilityAccountIdentifier>307177</LiabilityAccountIdentifier>\n <LiabilityExclusionIndicator>false</LiabilityExclusionIndicator>\n <LiabilityMonthlyPaymentAmount>233.00</LiabilityMonthlyPaymentAmount>\n <LiabilityPaymentIncludesTaxesInsuranceIndicator>false</LiabilityPaymentIncludesTaxesInsuranceIndicator>\n <LiabilityPayoffStatusIndicator>false</LiabilityPayoffStatusIndicator>\n <LiabilityType>MortgageLoan</LiabilityType>\n <LiabilityUnpaidBalanceAmount>22754.00</LiabilityUnpaidBalanceAmount>\n <SubjectLoanResubordinationIndicator>false</SubjectLoanResubordinationIndicator>\n </LIABILITY_DETAIL>\n <LIABILITY_HOLDER>\n <NAME>\n <FullName>BEST MORTGAGE</FullName>\n </NAME>\n </LIABILITY_HOLDER>\n </LIABILITY>\n <LIABILITY SequenceNumber=\"3\" xlink:label=\"LIABILITY_3\">\n <LIABILITY_DETAIL>\n <HELOCMaximumBalanceAmount>9700.00</HELOCMaximumBalanceAmount>\n <LiabilityAccountIdentifier>5071778</LiabilityAccountIdentifier>\n <LiabilityExclusionIndicator>false</LiabilityExclusionIndicator>\n <LiabilityMonthlyPaymentAmount>0.00</LiabilityMonthlyPaymentAmount>\n <LiabilityPaymentIncludesTaxesInsuranceIndicator>false</LiabilityPaymentIncludesTaxesInsuranceIndicator>\n <LiabilityPayoffStatusIndicator>false</LiabilityPayoffStatusIndicator>\n <LiabilityType>HELOC</LiabilityType>\n <LiabilityUnpaidBalanceAmount>3000.00</LiabilityUnpaidBalanceAmount>\n <SubjectLoanResubordinationIndicator>false</SubjectLoanResubordinationIndicator>\n </LIABILITY_DETAIL>\n <LIABILITY_HOLDER>\n <NAME>\n <FullName>ENLIGHTENED BANK</FullName>\n </NAME>\n </LIABILITY_HOLDER>\n </LIABILITY>\n <LIABILITY SequenceNumber=\"4\" xlink:label=\"LIABILITY_4\">\n <LIABILITY_DETAIL>\n <LiabilityAccountIdentifier>10717</LiabilityAccountIdentifier>\n <LiabilityExclusionIndicator>false</LiabilityExclusionIndicator>\n <LiabilityMonthlyPaymentAmount>79.00</LiabilityMonthlyPaymentAmount>\n <LiabilityPayoffStatusIndicator>false</LiabilityPayoffStatusIndicator>\n <LiabilityType>Revolving</LiabilityType>\n <LiabilityUnpaidBalanceAmount>2663.00</LiabilityUnpaidBalanceAmount>\n </LIABILITY_DETAIL>\n <LIABILITY_HOLDER>\n <NAME>\n <FullName>MERRY CREDIT</FullName>\n </NAME>\n </LIABILITY_HOLDER>\n </LIABILITY>\n <LIABILITY SequenceNumber=\"5\" xlink:label=\"LIABILITY_5\">\n <LIABILITY_DETAIL>\n <LiabilityAccountIdentifier>20717</LiabilityAccountIdentifier>\n <LiabilityExclusionIndicator>false</LiabilityExclusionIndicator>\n <LiabilityMonthlyPaymentAmount>100.00</LiabilityMonthlyPaymentAmount>\n <LiabilityPayoffStatusIndicator>false</LiabilityPayoffStatusIndicator>\n <LiabilityType>Revolving</LiabilityType>\n <LiabilityUnpaidBalanceAmount>2000.00</LiabilityUnpaidBalanceAmount>\n </LIABILITY_DETAIL>\n <LIABILITY_HOLDER>\n <NAME>\n <FullName>TROUBLING CARDS</FullName>\n </NAME>\n </LIABILITY_HOLDER>\n </LIABILITY>\n <LIABILITY SequenceNumber=\"6\" xlink:label=\"LIABILITY_6\">\n <LIABILITY_DETAIL>\n <LiabilityAccountIdentifier>4071790</LiabilityAccountIdentifier>\n <LiabilityExclusionIndicator>false</LiabilityExclusionIndicator>\n <LiabilityMonthlyPaymentAmount>10.00</LiabilityMonthlyPaymentAmount>\n <LiabilityPayoffStatusIndicator>false</LiabilityPayoffStatusIndicator>\n <LiabilityType>Revolving</LiabilityType>\n <LiabilityUnpaidBalanceAmount>253.00</LiabilityUnpaidBalanceAmount>\n </LIABILITY_DETAIL>\n <LIABILITY_HOLDER>\n <NAME>\n <FullName>POLITE CREDIT</FullName>\n </NAME>\n </LIABILITY_HOLDER>\n </LIABILITY>\n <LIABILITY SequenceNumber=\"7\" xlink:label=\"LIABILITY_7\">\n <LIABILITY_DETAIL>\n <LiabilityAccountIdentifier>707177</LiabilityAccountIdentifier>\n <LiabilityExclusionIndicator>false</LiabilityExclusionIndicator>\n <LiabilityMonthlyPaymentAmount>25.00</LiabilityMonthlyPaymentAmount>\n <LiabilityPayoffStatusIndicator>false</LiabilityPayoffStatusIndicator>\n <LiabilityType>Revolving</LiabilityType>\n <LiabilityUnpaidBalanceAmount>81.00</LiabilityUnpaidBalanceAmount>\n </LIABILITY_DETAIL>\n <LIABILITY_HOLDER>\n <NAME>\n <FullName>SANE CREDIT</FullName>\n </NAME>\n </LIABILITY_HOLDER>\n </LIABILITY>\n <LIABILITY SequenceNumber=\"8\" xlink:label=\"LIABILITY_8\">\n <LIABILITY_DETAIL>\n <LiabilityAccountIdentifier>4071717</LiabilityAccountIdentifier>\n <LiabilityExclusionIndicator>false</LiabilityExclusionIndicator>\n <LiabilityMonthlyPaymentAmount>75.00</LiabilityMonthlyPaymentAmount>\n <LiabilityPayoffStatusIndicator>false</LiabilityPayoffStatusIndicator>\n <LiabilityType>Revolving</LiabilityType>\n <LiabilityUnpaidBalanceAmount>2530.00</LiabilityUnpaidBalanceAmount>\n </LIABILITY_DETAIL>\n <LIABILITY_HOLDER>\n <NAME>\n <FullName>NO NONSENSE CREDIT</FullName>\n </NAME>\n </LIABILITY_HOLDER>\n </LIABILITY>\n </LIABILITIES>\n <LOANS>\n <LOAN SequenceNumber=\"1\" LoanRoleType=\"SubjectLoan\" xlink:label=\"LOAN_1\">\n <AFFORDABLE_LENDING></AFFORDABLE_LENDING>\n <AMORTIZATION>\n <AMORTIZATION_RULE>\n <AmortizationType>Fixed</AmortizationType>\n <LoanAmortizationPeriodCount>360</LoanAmortizationPeriodCount>\n <LoanAmortizationPeriodType>Month</LoanAmortizationPeriodType>\n </AMORTIZATION_RULE>\n </AMORTIZATION>\n <CLOSING_INFORMATION>\n <CLOSING_ADJUSTMENT_ITEMS>\n <CLOSING_ADJUSTMENT_ITEM>\n <CLOSING_ADJUSTMENT_ITEM_DETAIL>\n <ClosingAdjustmentItemAmount>13748.00</ClosingAdjustmentItemAmount>\n <ClosingAdjustmentItemType>LenderCredit</ClosingAdjustmentItemType>\n </CLOSING_ADJUSTMENT_ITEM_DETAIL>\n </CLOSING_ADJUSTMENT_ITEM>\n </CLOSING_ADJUSTMENT_ITEMS>\n <CLOSING_INFORMATION_DETAIL></CLOSING_INFORMATION_DETAIL>\n </CLOSING_INFORMATION>\n <DOCUMENT_SPECIFIC_DATA_SETS>\n <DOCUMENT_SPECIFIC_DATA_SET>\n <URLA>\n <URLA_DETAIL>\n <EstimatedClosingCostsAmount>1352.10</EstimatedClosingCostsAmount>\n </URLA_DETAIL>\n </URLA>\n </DOCUMENT_SPECIFIC_DATA_SET>\n </DOCUMENT_SPECIFIC_DATA_SETS>\n <HOUSING_EXPENSES>\n <HOUSING_EXPENSE>\n <HousingExpensePaymentAmount>3312.61</HousingExpensePaymentAmount>\n <HousingExpenseTimingType>Proposed</HousingExpenseTimingType>\n <HousingExpenseType>FirstMortgagePrincipalAndInterest</HousingExpenseType>\n </HOUSING_EXPENSE>\n <HOUSING_EXPENSE>\n <HousingExpensePaymentAmount>247.33</HousingExpensePaymentAmount>\n <HousingExpenseTimingType>Proposed</HousingExpenseTimingType>\n <HousingExpenseType>HomeownersInsurance</HousingExpenseType>\n </HOUSING_EXPENSE>\n <HOUSING_EXPENSE>\n <HousingExpensePaymentAmount>1420.00</HousingExpensePaymentAmount>\n <HousingExpenseTimingType>Proposed</HousingExpenseTimingType>\n <HousingExpenseType>RealEstateTax</HousingExpenseType>\n </HOUSING_EXPENSE>\n </HOUSING_EXPENSES>\n <LOAN_DETAIL>\n <BalloonIndicator>false</BalloonIndicator>\n <BelowMarketSubordinateFinancingIndicator>false</BelowMarketSubordinateFinancingIndicator>\n <BorrowerCount>2</BorrowerCount>\n <BuydownTemporarySubsidyFundingIndicator>false</BuydownTemporarySubsidyFundingIndicator>\n <ConstructionLoanIndicator>false</ConstructionLoanIndicator>\n <EnergyRelatedImprovementsIndicator>false</EnergyRelatedImprovementsIndicator>\n <InterestOnlyIndicator>false</InterestOnlyIndicator>\n <NegativeAmortizationIndicator>false</NegativeAmortizationIndicator>\n <PrepaymentPenaltyIndicator>false</PrepaymentPenaltyIndicator>\n <RenovationLoanIndicator>false</RenovationLoanIndicator>\n <TotalMortgagedPropertiesCount>2</TotalMortgagedPropertiesCount>\n </LOAN_DETAIL>\n <LOAN_IDENTIFIERS>\n <LOAN_IDENTIFIER>\n <LoanIdentifier>83352063666</LoanIdentifier>\n <LoanIdentifierType>UniversalLoan</LoanIdentifierType>\n </LOAN_IDENTIFIER>\n <LOAN_IDENTIFIER>\n <LoanIdentifier>83352063666</LoanIdentifier>\n <LoanIdentifierType>LenderLoan</LoanIdentifierType>\n </LOAN_IDENTIFIER>\n </LOAN_IDENTIFIERS>\n <ORIGINATION_SYSTEMS>\n <ORIGINATION_SYSTEM>\n <LoanOriginationSystemName>TidalWave SOLO</LoanOriginationSystemName>\n <LoanOriginationSystemVendorIdentifier>TidalWave</LoanOriginationSystemVendorIdentifier>\n <LoanOriginationSystemVersionIdentifier>1.0</LoanOriginationSystemVersionIdentifier>\n </ORIGINATION_SYSTEM>\n </ORIGINATION_SYSTEMS>\n <TERMS_OF_LOAN>\n <BaseLoanAmount>560000.00</BaseLoanAmount>\n <LienPriorityType>FirstLien</LienPriorityType>\n <LoanPurposeType>Purchase</LoanPurposeType>\n <MortgageType>Conventional</MortgageType>\n <NoteRatePercent>5.875</NoteRatePercent>\n </TERMS_OF_LOAN>\n <UNDERWRITING>\n <AUTOMATED_UNDERWRITINGS>\n <AUTOMATED_UNDERWRITING>\n <AutomatedUnderwritingCaseIdentifier>2009819600</AutomatedUnderwritingCaseIdentifier>\n </AUTOMATED_UNDERWRITING>\n </AUTOMATED_UNDERWRITINGS>\n </UNDERWRITING>\n </LOAN>\n </LOANS>\n <PARTIES>\n <PARTY>\n <INDIVIDUAL>\n <CONTACT_POINTS>\n <CONTACT_POINT>\n <CONTACT_POINT_TELEPHONE>\n <ContactPointTelephoneValue>9999999999</ContactPointTelephoneValue>\n </CONTACT_POINT_TELEPHONE>\n <CONTACT_POINT_DETAIL>\n <ContactPointRoleType>Mobile</ContactPointRoleType>\n </CONTACT_POINT_DETAIL>\n </CONTACT_POINT>\n <CONTACT_POINT>\n <CONTACT_POINT_EMAIL>\n <ContactPointEmailValue>drindner+columbiapatricktestcase4@tidalhq.com</ContactPointEmailValue>\n </CONTACT_POINT_EMAIL>\n </CONTACT_POINT>\n </CONTACT_POINTS>\n <NAME>\n <FirstName>Patrick</FirstName>\n <LastName>Purchaser</LastName>\n </NAME>\n </INDIVIDUAL>\n <LANGUAGES>\n <LANGUAGE>\n <EXTENSION>\n <OTHER>\n <ULAD:LANGUAGE_EXTENSION>\n <ULAD:LanguageRefusalIndicator>true</ULAD:LanguageRefusalIndicator>\n </ULAD:LANGUAGE_EXTENSION>\n </OTHER>\n </EXTENSION>\n </LANGUAGE>\n </LANGUAGES>\n <ROLES>\n <ROLE SequenceNumber=\"1\" xlink:label=\"BORROWER_1\">\n <BORROWER>\n <BORROWER_DETAIL>\n <BorrowerBirthDate>1996-01-31</BorrowerBirthDate>\n <CommunityPropertyStateResidentIndicator>false</CommunityPropertyStateResidentIndicator>\n <DependentCount>0</DependentCount>\n <MaritalStatusType>Married</MaritalStatusType>\n </BORROWER_DETAIL>\n <CURRENT_INCOME>\n <CURRENT_INCOME_ITEMS>\n <CURRENT_INCOME_ITEM SequenceNumber=\"1\" xlink:label=\"CURRENT_INCOME_ITEM_1_1\">\n <CURRENT_INCOME_ITEM_DETAIL>\n <CurrentIncomeMonthlyTotalAmount>4901</CurrentIncomeMonthlyTotalAmount>\n <EmploymentIncomeIndicator>true</EmploymentIncomeIndicator>\n <IncomeType>Base</IncomeType>\n </CURRENT_INCOME_ITEM_DETAIL>\n </CURRENT_INCOME_ITEM>\n <CURRENT_INCOME_ITEM SequenceNumber=\"2\" xlink:label=\"CURRENT_INCOME_ITEM_1_2\">\n <CURRENT_INCOME_ITEM_DETAIL>\n <CurrentIncomeMonthlyTotalAmount>996.67</CurrentIncomeMonthlyTotalAmount>\n <EmploymentIncomeIndicator>true</EmploymentIncomeIndicator>\n <IncomeType>Overtime</IncomeType>\n </CURRENT_INCOME_ITEM_DETAIL>\n </CURRENT_INCOME_ITEM>\n <CURRENT_INCOME_ITEM SequenceNumber=\"3\" xlink:label=\"CURRENT_INCOME_ITEM_1_3\">\n <CURRENT_INCOME_ITEM_DETAIL>\n <CurrentIncomeMonthlyTotalAmount>833.33</CurrentIncomeMonthlyTotalAmount>\n <EmploymentIncomeIndicator>true</EmploymentIncomeIndicator>\n <IncomeType>Bonus</IncomeType>\n </CURRENT_INCOME_ITEM_DETAIL>\n </CURRENT_INCOME_ITEM>\n </CURRENT_INCOME_ITEMS>\n </CURRENT_INCOME>\n <DECLARATION>\n <DECLARATION_DETAIL>\n <BankruptcyIndicator>false</BankruptcyIndicator>\n <CitizenshipResidencyType>USCitizen</CitizenshipResidencyType>\n <HomeownerPastThreeYearsType>Yes</HomeownerPastThreeYearsType>\n <IntentToOccupyType>No</IntentToOccupyType>\n <OutstandingJudgmentsIndicator>false</OutstandingJudgmentsIndicator>\n <PartyToLawsuitIndicator>false</PartyToLawsuitIndicator>\n <PresentlyDelinquentIndicator>false</PresentlyDelinquentIndicator>\n <PriorPropertyDeedInLieuConveyedIndicator>false</PriorPropertyDeedInLieuConveyedIndicator>\n <PriorPropertyForeclosureCompletedIndicator>false</PriorPropertyForeclosureCompletedIndicator>\n <PriorPropertyShortSaleCompletedIndicator>false</PriorPropertyShortSaleCompletedIndicator>\n <PriorPropertyTitleType>JointWithSpouse</PriorPropertyTitleType>\n <PriorPropertyUsageType>SecondHome</PriorPropertyUsageType>\n <PropertyProposedCleanEnergyLienIndicator>false</PropertyProposedCleanEnergyLienIndicator>\n <UndisclosedBorrowedFundsIndicator>false</UndisclosedBorrowedFundsIndicator>\n <UndisclosedComakerOfNoteIndicator>false</UndisclosedComakerOfNoteIndicator>\n <UndisclosedCreditApplicationIndicator>false</UndisclosedCreditApplicationIndicator>\n <UndisclosedMortgageApplicationIndicator>false</UndisclosedMortgageApplicationIndicator>\n <EXTENSION>\n <OTHER>\n <ULAD:DECLARATION_DETAIL_EXTENSION>\n <ULAD:SpecialBorrowerSellerRelationshipIndicator>false</ULAD:SpecialBorrowerSellerRelationshipIndicator>\n </ULAD:DECLARATION_DETAIL_EXTENSION>\n </OTHER>\n </EXTENSION>\n </DECLARATION_DETAIL>\n </DECLARATION>\n <DEPENDENTS></DEPENDENTS>\n <EMPLOYERS>\n <EMPLOYER SequenceNumber=\"1\" xlink:label=\"EMPLOYER_1_1\">\n <LEGAL_ENTITY>\n <LEGAL_ENTITY_DETAIL>\n <FullName>AAA</FullName>\n </LEGAL_ENTITY_DETAIL>\n </LEGAL_ENTITY>\n <EMPLOYMENT>\n <EmploymentBorrowerSelfEmployedIndicator>false</EmploymentBorrowerSelfEmployedIndicator>\n <EmploymentClassificationType>Primary</EmploymentClassificationType>\n <EmploymentPositionDescription>Driver</EmploymentPositionDescription>\n <EmploymentStartDate>2012-01-01</EmploymentStartDate>\n <EmploymentStatusType>Current</EmploymentStatusType>\n <EmploymentTimeInLineOfWorkMonthsCount>120</EmploymentTimeInLineOfWorkMonthsCount>\n <SpecialBorrowerEmployerRelationshipIndicator>false</SpecialBorrowerEmployerRelationshipIndicator>\n <EXTENSION>\n <OTHER>\n <DU:EMPLOYMENT_EXTENSION>\n <DU:ForeignIncomeIndicator>false</DU:ForeignIncomeIndicator>\n <DU:SeasonalIncomeIndicator>false</DU:SeasonalIncomeIndicator>\n </DU:EMPLOYMENT_EXTENSION>\n </OTHER>\n </EXTENSION>\n </EMPLOYMENT>\n </EMPLOYER>\n </EMPLOYERS>\n <GOVERNMENT_BORROWER></GOVERNMENT_BORROWER>\n <GOVERNMENT_MONITORING>\n <GOVERNMENT_MONITORING_DETAIL>\n <HMDAEthnicityCollectedBasedOnVisualObservationOrSurnameIndicator>false</HMDAEthnicityCollectedBasedOnVisualObservationOrSurnameIndicator>\n <HMDAEthnicityRefusalIndicator>true</HMDAEthnicityRefusalIndicator>\n <HMDAGenderCollectedBasedOnVisualObservationOrNameIndicator>false</HMDAGenderCollectedBasedOnVisualObservationOrNameIndicator>\n <HMDAGenderRefusalIndicator>true</HMDAGenderRefusalIndicator>\n <HMDARaceCollectedBasedOnVisualObservationOrSurnameIndicator>false</HMDARaceCollectedBasedOnVisualObservationOrSurnameIndicator>\n <HMDARaceRefusalIndicator>true</HMDARaceRefusalIndicator>\n <EXTENSION>\n <OTHER>\n <ULAD:GOVERNMENT_MONITORING_DETAIL_EXTENSION>\n <ULAD:ApplicationTakenMethodType>Internet</ULAD:ApplicationTakenMethodType>\n </ULAD:GOVERNMENT_MONITORING_DETAIL_EXTENSION>\n </OTHER>\n </EXTENSION>\n </GOVERNMENT_MONITORING_DETAIL>\n </GOVERNMENT_MONITORING>\n <RESIDENCES>\n <RESIDENCE>\n <ADDRESS>\n <AddressLineText>1234 Main St</AddressLineText>\n <CityName>Baltimore</CityName>\n <CountryCode>US</CountryCode>\n <PostalCode>20600</PostalCode>\n <StateCode>MD</StateCode>\n </ADDRESS>\n <LANDLORD>\n <LANDLORD_DETAIL>\n <MonthlyRentAmount>2400.00</MonthlyRentAmount>\n </LANDLORD_DETAIL>\n </LANDLORD>\n <RESIDENCE_DETAIL>\n <BorrowerResidencyBasisType>Rent</BorrowerResidencyBasisType>\n <BorrowerResidencyDurationMonthsCount>84</BorrowerResidencyDurationMonthsCount>\n <BorrowerResidencyType>Current</BorrowerResidencyType>\n </RESIDENCE_DETAIL>\n </RESIDENCE>\n </RESIDENCES>\n </BORROWER>\n <ROLE_DETAIL>\n <PartyRoleType>Borrower</PartyRoleType>\n </ROLE_DETAIL>\n </ROLE>\n </ROLES>\n <TAXPAYER_IDENTIFIERS>\n <TAXPAYER_IDENTIFIER>\n <TaxpayerIdentifierType>SocialSecurityNumber</TaxpayerIdentifierType>\n <TaxpayerIdentifierValue>999121234</TaxpayerIdentifierValue>\n </TAXPAYER_IDENTIFIER>\n </TAXPAYER_IDENTIFIERS>\n </PARTY>\n <PARTY>\n <INDIVIDUAL>\n <CONTACT_POINTS>\n <CONTACT_POINT>\n <CONTACT_POINT_TELEPHONE>\n <ContactPointTelephoneValue>9999999999</ContactPointTelephoneValue>\n </CONTACT_POINT_TELEPHONE>\n <CONTACT_POINT_DETAIL>\n <ContactPointRoleType>Mobile</ContactPointRoleType>\n </CONTACT_POINT_DETAIL>\n </CONTACT_POINT>\n <CONTACT_POINT>\n <CONTACT_POINT_EMAIL>\n <ContactPointEmailValue>drindner+columbialorrainetest4@tidalhq.com</ContactPointEmailValue>\n </CONTACT_POINT_EMAIL>\n </CONTACT_POINT>\n </CONTACT_POINTS>\n <NAME>\n <FirstName>Lorraine</FirstName>\n <LastName>Purchaser</LastName>\n </NAME>\n </INDIVIDUAL>\n <LANGUAGES>\n <LANGUAGE>\n <EXTENSION>\n <OTHER>\n <ULAD:LANGUAGE_EXTENSION>\n <ULAD:LanguageRefusalIndicator>true</ULAD:LanguageRefusalIndicator>\n </ULAD:LANGUAGE_EXTENSION>\n </OTHER>\n </EXTENSION>\n </LANGUAGE>\n </LANGUAGES>\n <ROLES>\n <ROLE SequenceNumber=\"2\" xlink:label=\"BORROWER_2\">\n <BORROWER>\n <BORROWER_DETAIL>\n <BorrowerBirthDate>1993-09-10</BorrowerBirthDate>\n <CommunityPropertyStateResidentIndicator>false</CommunityPropertyStateResidentIndicator>\n <DependentCount>0</DependentCount>\n <MaritalStatusType>Married</MaritalStatusType>\n </BORROWER_DETAIL>\n <CURRENT_INCOME>\n <CURRENT_INCOME_ITEMS>\n <CURRENT_INCOME_ITEM SequenceNumber=\"1\" xlink:label=\"CURRENT_INCOME_ITEM_2_1\">\n <CURRENT_INCOME_ITEM_DETAIL>\n <CurrentIncomeMonthlyTotalAmount>6000.00</CurrentIncomeMonthlyTotalAmount>\n <EmploymentIncomeIndicator>false</EmploymentIncomeIndicator>\n <IncomeType>Pension</IncomeType>\n </CURRENT_INCOME_ITEM_DETAIL>\n </CURRENT_INCOME_ITEM>\n </CURRENT_INCOME_ITEMS>\n </CURRENT_INCOME>\n <DECLARATION>\n <DECLARATION_DETAIL>\n <BankruptcyIndicator>false</BankruptcyIndicator>\n <CitizenshipResidencyType>USCitizen</CitizenshipResidencyType>\n <HomeownerPastThreeYearsType>Yes</HomeownerPastThreeYearsType>\n <IntentToOccupyType>No</IntentToOccupyType>\n <OutstandingJudgmentsIndicator>false</OutstandingJudgmentsIndicator>\n <PartyToLawsuitIndicator>false</PartyToLawsuitIndicator>\n <PresentlyDelinquentIndicator>false</PresentlyDelinquentIndicator>\n <PriorPropertyDeedInLieuConveyedIndicator>false</PriorPropertyDeedInLieuConveyedIndicator>\n <PriorPropertyForeclosureCompletedIndicator>false</PriorPropertyForeclosureCompletedIndicator>\n <PriorPropertyShortSaleCompletedIndicator>false</PriorPropertyShortSaleCompletedIndicator>\n <PriorPropertyTitleType>JointWithSpouse</PriorPropertyTitleType>\n <PriorPropertyUsageType>SecondHome</PriorPropertyUsageType>\n <PropertyProposedCleanEnergyLienIndicator>false</PropertyProposedCleanEnergyLienIndicator>\n <UndisclosedBorrowedFundsIndicator>false</UndisclosedBorrowedFundsIndicator>\n <UndisclosedComakerOfNoteIndicator>false</UndisclosedComakerOfNoteIndicator>\n <UndisclosedCreditApplicationIndicator>false</UndisclosedCreditApplicationIndicator>\n <UndisclosedMortgageApplicationIndicator>false</UndisclosedMortgageApplicationIndicator>\n <EXTENSION>\n <OTHER>\n <ULAD:DECLARATION_DETAIL_EXTENSION>\n <ULAD:SpecialBorrowerSellerRelationshipIndicator>false</ULAD:SpecialBorrowerSellerRelationshipIndicator>\n </ULAD:DECLARATION_DETAIL_EXTENSION>\n </OTHER>\n </EXTENSION>\n </DECLARATION_DETAIL>\n </DECLARATION>\n <DEPENDENTS></DEPENDENTS>\n <EMPLOYERS></EMPLOYERS>\n <GOVERNMENT_BORROWER></GOVERNMENT_BORROWER>\n <GOVERNMENT_MONITORING>\n <GOVERNMENT_MONITORING_DETAIL>\n <HMDAEthnicityCollectedBasedOnVisualObservationOrSurnameIndicator>false</HMDAEthnicityCollectedBasedOnVisualObservationOrSurnameIndicator>\n <HMDAEthnicityRefusalIndicator>true</HMDAEthnicityRefusalIndicator>\n <HMDAGenderCollectedBasedOnVisualObservationOrNameIndicator>false</HMDAGenderCollectedBasedOnVisualObservationOrNameIndicator>\n <HMDAGenderRefusalIndicator>true</HMDAGenderRefusalIndicator>\n <HMDARaceCollectedBasedOnVisualObservationOrSurnameIndicator>false</HMDARaceCollectedBasedOnVisualObservationOrSurnameIndicator>\n <HMDARaceRefusalIndicator>true</HMDARaceRefusalIndicator>\n <EXTENSION>\n <OTHER>\n <ULAD:GOVERNMENT_MONITORING_DETAIL_EXTENSION>\n <ULAD:ApplicationTakenMethodType>Internet</ULAD:ApplicationTakenMethodType>\n </ULAD:GOVERNMENT_MONITORING_DETAIL_EXTENSION>\n </OTHER>\n </EXTENSION>\n </GOVERNMENT_MONITORING_DETAIL>\n </GOVERNMENT_MONITORING>\n <RESIDENCES>\n <RESIDENCE>\n <ADDRESS>\n <AddressLineText>1234 Main St</AddressLineText>\n <CityName>Baltimore</CityName>\n <CountryCode>US</CountryCode>\n <PostalCode>20600</PostalCode>\n <StateCode>MD</StateCode>\n </ADDRESS>\n <LANDLORD>\n <LANDLORD_DETAIL>\n <MonthlyRentAmount>2400.00</MonthlyRentAmount>\n </LANDLORD_DETAIL>\n </LANDLORD>\n <RESIDENCE_DETAIL>\n <BorrowerResidencyBasisType>Rent</BorrowerResidencyBasisType>\n <BorrowerResidencyDurationMonthsCount>120</BorrowerResidencyDurationMonthsCount>\n <BorrowerResidencyType>Current</BorrowerResidencyType>\n </RESIDENCE_DETAIL>\n </RESIDENCE>\n </RESIDENCES>\n </BORROWER>\n <ROLE_DETAIL>\n <PartyRoleType>Borrower</PartyRoleType>\n </ROLE_DETAIL>\n </ROLE>\n </ROLES>\n <TAXPAYER_IDENTIFIERS>\n <TAXPAYER_IDENTIFIER>\n <TaxpayerIdentifierType>SocialSecurityNumber</TaxpayerIdentifierType>\n <TaxpayerIdentifierValue>999565678</TaxpayerIdentifierValue>\n </TAXPAYER_IDENTIFIER>\n </TAXPAYER_IDENTIFIERS>\n </PARTY>\n <PARTY>\n <LEGAL_ENTITY>\n <LEGAL_ENTITY_DETAIL>\n <FullName>ABC Bank</FullName>\n </LEGAL_ENTITY_DETAIL>\n </LEGAL_ENTITY>\n <ADDRESSES>\n <ADDRESS>\n <AddressLineText>123 Main St</AddressLineText>\n <CityName>MyCity</CityName>\n <CountryCode>US</CountryCode>\n <PostalCode>12345</PostalCode>\n <StateCode>OH</StateCode>\n </ADDRESS>\n </ADDRESSES>\n <ROLES>\n <ROLE SequenceNumber=\"1\" xlink:label=\"LOAN_ORIGINATION_COMPANY_1\">\n <LICENSES>\n <LICENSE>\n <LICENSE_DETAIL>\n <LicenseAuthorityLevelType>Private</LicenseAuthorityLevelType>\n <LicenseIdentifier>123456</LicenseIdentifier>\n </LICENSE_DETAIL>\n </LICENSE>\n <LICENSE>\n <LICENSE_DETAIL>\n <LicenseAuthorityLevelType>PublicState</LicenseAuthorityLevelType>\n <LicenseIdentifier>1234</LicenseIdentifier>\n </LICENSE_DETAIL>\n </LICENSE>\n </LICENSES>\n <ROLE_DETAIL>\n <PartyRoleType>LoanOriginationCompany</PartyRoleType>\n </ROLE_DETAIL>\n </ROLE>\n </ROLES>\n </PARTY>\n <PARTY>\n <INDIVIDUAL>\n <CONTACT_POINTS>\n <CONTACT_POINT></CONTACT_POINT>\n </CONTACT_POINTS>\n <NAME>\n <FirstName>Derek</FirstName>\n <LastName>Test</LastName>\n <MiddleName>Staging</MiddleName>\n </NAME>\n </INDIVIDUAL>\n <ROLES>\n <ROLE SequenceNumber=\"1\" xlink:label=\"LOAN_ORIGINATOR_1\">\n <LICENSES>\n <LICENSE>\n <LICENSE_DETAIL>\n <LicenseAuthorityLevelType>Private</LicenseAuthorityLevelType>\n <LicenseIdentifier>123456</LicenseIdentifier>\n </LICENSE_DETAIL>\n </LICENSE>\n <LICENSE>\n <LICENSE_DETAIL>\n <LicenseAuthorityLevelType>PublicState</LicenseAuthorityLevelType>\n <LicenseIdentifier>123456</LicenseIdentifier>\n </LICENSE_DETAIL>\n </LICENSE>\n </LICENSES>\n <ROLE_DETAIL>\n <PartyRoleType>LoanOriginator</PartyRoleType>\n </ROLE_DETAIL>\n </ROLE>\n </ROLES>\n </PARTY>\n </PARTIES>\n <RELATIONSHIPS>\n <RELATIONSHIP SequenceNumber=\"1\" xlink:arcrole=\"urn:fdc:mismo.org:2009:residential/CURRENT_INCOME_ITEM_IsAssociatedWith_EMPLOYER\" xlink:from=\"CURRENT_INCOME_ITEM_1_1\" xlink:to=\"EMPLOYER_1_1\"></RELATIONSHIP>\n <RELATIONSHIP SequenceNumber=\"2\" xlink:arcrole=\"urn:fdc:mismo.org:2009:residential/CURRENT_INCOME_ITEM_IsAssociatedWith_EMPLOYER\" xlink:from=\"CURRENT_INCOME_ITEM_1_2\" xlink:to=\"EMPLOYER_1_1\"></RELATIONSHIP>\n <RELATIONSHIP SequenceNumber=\"3\" xlink:arcrole=\"urn:fdc:mismo.org:2009:residential/CURRENT_INCOME_ITEM_IsAssociatedWith_EMPLOYER\" xlink:from=\"CURRENT_INCOME_ITEM_1_3\" xlink:to=\"EMPLOYER_1_1\"></RELATIONSHIP>\n <RELATIONSHIP SequenceNumber=\"4\" xlink:arcrole=\"urn:fdc:mismo.org:2009:residential/ROLE_SharesJointCreditReportWith_ROLE\" xlink:from=\"BORROWER_2\" xlink:to=\"BORROWER_1\"></RELATIONSHIP>\n <RELATIONSHIP SequenceNumber=\"5\" xlink:arcrole=\"urn:fdc:mismo.org:2009:residential/ASSET_IsAssociatedWith_ROLE\" xlink:from=\"ASSET_1\" xlink:to=\"BORROWER_2\"></RELATIONSHIP>\n <RELATIONSHIP SequenceNumber=\"6\" xlink:arcrole=\"urn:fdc:mismo.org:2009:residential/ASSET_IsAssociatedWith_ROLE\" xlink:from=\"ASSET_1\" xlink:to=\"BORROWER_1\"></RELATIONSHIP>\n <RELATIONSHIP SequenceNumber=\"7\" xlink:arcrole=\"urn:fdc:mismo.org:2009:residential/ASSET_IsAssociatedWith_ROLE\" xlink:from=\"ASSET_2\" xlink:to=\"BORROWER_2\"></RELATIONSHIP>\n <RELATIONSHIP SequenceNumber=\"8\" xlink:arcrole=\"urn:fdc:mismo.org:2009:residential/ASSET_IsAssociatedWith_ROLE\" xlink:from=\"ASSET_2\" xlink:to=\"BORROWER_1\"></RELATIONSHIP>\n <RELATIONSHIP SequenceNumber=\"9\" xlink:arcrole=\"urn:fdc:mismo.org:2009:residential/ASSET_IsAssociatedWith_ROLE\" xlink:from=\"ASSET_3\" xlink:to=\"BORROWER_1\"></RELATIONSHIP>\n <RELATIONSHIP SequenceNumber=\"10\" xlink:arcrole=\"urn:fdc:mismo.org:2009:residential/ASSET_IsAssociatedWith_ROLE\" xlink:from=\"ASSET_4\" xlink:to=\"BORROWER_1\"></RELATIONSHIP>\n <RELATIONSHIP SequenceNumber=\"11\" xlink:arcrole=\"urn:fdc:mismo.org:2009:residential/ASSET_IsAssociatedWith_ROLE\" xlink:from=\"ASSET_5\" xlink:to=\"BORROWER_1\"></RELATIONSHIP>\n <RELATIONSHIP SequenceNumber=\"12\" xlink:arcrole=\"urn:fdc:mismo.org:2009:residential/LIABILITY_IsAssociatedWith_ROLE\" xlink:from=\"LIABILITY_1\" xlink:to=\"BORROWER_1\"></RELATIONSHIP>\n <RELATIONSHIP SequenceNumber=\"13\" xlink:arcrole=\"urn:fdc:mismo.org:2009:residential/ASSET_IsAssociatedWith_LIABILITY\" xlink:from=\"ASSET_5\" xlink:to=\"LIABILITY_1\"></RELATIONSHIP>\n <RELATIONSHIP SequenceNumber=\"14\" xlink:arcrole=\"urn:fdc:mismo.org:2009:residential/LIABILITY_IsAssociatedWith_ROLE\" xlink:from=\"LIABILITY_2\" xlink:to=\"BORROWER_1\"></RELATIONSHIP>\n <RELATIONSHIP SequenceNumber=\"15\" xlink:arcrole=\"urn:fdc:mismo.org:2009:residential/ASSET_IsAssociatedWith_LIABILITY\" xlink:from=\"ASSET_5\" xlink:to=\"LIABILITY_2\"></RELATIONSHIP>\n <RELATIONSHIP SequenceNumber=\"16\" xlink:arcrole=\"urn:fdc:mismo.org:2009:residential/LIABILITY_IsAssociatedWith_ROLE\" xlink:from=\"LIABILITY_3\" xlink:to=\"BORROWER_1\"></RELATIONSHIP>\n <RELATIONSHIP SequenceNumber=\"17\" xlink:arcrole=\"urn:fdc:mismo.org:2009:residential/ASSET_IsAssociatedWith_LIABILITY\" xlink:from=\"ASSET_5\" xlink:to=\"LIABILITY_3\"></RELATIONSHIP>\n <RELATIONSHIP SequenceNumber=\"18\" xlink:arcrole=\"urn:fdc:mismo.org:2009:residential/LIABILITY_IsAssociatedWith_ROLE\" xlink:from=\"LIABILITY_4\" xlink:to=\"BORROWER_1\"></RELATIONSHIP>\n <RELATIONSHIP SequenceNumber=\"19\" xlink:arcrole=\"urn:fdc:mismo.org:2009:residential/LIABILITY_IsAssociatedWith_ROLE\" xlink:from=\"LIABILITY_4\" xlink:to=\"BORROWER_2\"></RELATIONSHIP>\n <RELATIONSHIP SequenceNumber=\"20\" xlink:arcrole=\"urn:fdc:mismo.org:2009:residential/LIABILITY_IsAssociatedWith_ROLE\" xlink:from=\"LIABILITY_5\" xlink:to=\"BORROWER_1\"></RELATIONSHIP>\n <RELATIONSHIP SequenceNumber=\"21\" xlink:arcrole=\"urn:fdc:mismo.org:2009:residential/LIABILITY_IsAssociatedWith_ROLE\" xlink:from=\"LIABILITY_6\" xlink:to=\"BORROWER_1\"></RELATIONSHIP>\n <RELATIONSHIP SequenceNumber=\"22\" xlink:arcrole=\"urn:fdc:mismo.org:2009:residential/LIABILITY_IsAssociatedWith_ROLE\" xlink:from=\"LIABILITY_6\" xlink:to=\"BORROWER_2\"></RELATIONSHIP>\n <RELATIONSHIP SequenceNumber=\"23\" xlink:arcrole=\"urn:fdc:mismo.org:2009:residential/LIABILITY_IsAssociatedWith_ROLE\" xlink:from=\"LIABILITY_7\" xlink:to=\"BORROWER_1\"></RELATIONSHIP>\n <RELATIONSHIP SequenceNumber=\"24\" xlink:arcrole=\"urn:fdc:mismo.org:2009:residential/LIABILITY_IsAssociatedWith_ROLE\" xlink:from=\"LIABILITY_7\" xlink:to=\"BORROWER_2\"></RELATIONSHIP>\n <RELATIONSHIP SequenceNumber=\"25\" xlink:arcrole=\"urn:fdc:mismo.org:2009:residential/LIABILITY_IsAssociatedWith_ROLE\" xlink:from=\"LIABILITY_8\" xlink:to=\"BORROWER_2\"></RELATIONSHIP>\n <RELATIONSHIP SequenceNumber=\"26\" xlink:arcrole=\"urn:fdc:mismo.org:2009:residential/LIABILITY_IsAssociatedWith_ROLE\" xlink:from=\"LIABILITY_8\" xlink:to=\"BORROWER_1\"></RELATIONSHIP>\n </RELATIONSHIPS>\n <SERVICES></SERVICES>\n </DEAL>\n </DEALS>\n </DEAL_SET>\n </DEAL_SETS>\n</MESSAGE>"}
|
| {"test_case_number": 10, "bank_statement": "{\"seed\": \"andy-america-sandbox-jul3-sep3-2025-costco-rentaddr-rent31\", \"override_accounts\": [{\"type\": \"depository\", \"subtype\": \"checking\", \"starting_balance\": 56400, \"currency\": \"USD\", \"numbers\": {\"account\": \"111222333000\"}, \"transactions\": [{\"date_transacted\": \"2025-07-20\", \"date_posted\": \"2025-07-21\", \"amount\": 300, \"description\": \"ACH DEBIT FIRSTSERVICE RESIDENTIAL PPD ID:112233445\", \"currency\": \"USD\", \"transaction_id\": \"plaid-10-00001\"}, {\"date_transacted\": \"2025-07-20\", \"date_posted\": \"2025-07-21\", \"amount\": -5000, \"description\": \"CHECK DEPOSIT #451\", \"currency\": \"USD\", \"transaction_id\": \"plaid-10-00002\"}, {\"date_transacted\": \"2025-07-20\", \"date_posted\": \"2025-07-21\", \"amount\": 129.99, \"description\": \"VERIZON WIRELESS AUTO-PAY PPD ID:222233344\", \"currency\": \"USD\", \"transaction_id\": \"plaid-10-00003\"}, {\"date_transacted\": \"2025-07-20\", \"date_posted\": \"2025-07-21\", \"amount\": 44.23, \"description\": \"PHARMACY - CVS STORE #9921\", \"currency\": \"USD\", \"transaction_id\": \"plaid-10-00004\"}, {\"date_transacted\": \"2025-07-20\", \"date_posted\": \"2025-07-21\", \"amount\": 64.88, \"description\": \"TRADER JOE'S #102 SOMEPLACE NY\", \"currency\": \"USD\", \"transaction_id\": \"plaid-10-00005\"}, {\"date_transacted\": \"2025-07-21\", \"date_posted\": \"2025-07-22\", \"amount\": 92.11, \"description\": \"DINING - APPLEBEE'S SOMEPLACE NY\", \"currency\": \"USD\", \"transaction_id\": \"plaid-10-00006\"}, {\"date_transacted\": \"2025-07-23\", \"date_posted\": \"2025-07-24\", \"amount\": 96.21, \"description\": \"GAS & SERVICE STATION\", \"currency\": \"USD\", \"transaction_id\": \"plaid-10-00007\"}, {\"date_transacted\": \"2025-07-24\", \"date_posted\": \"2025-07-25\", \"amount\": 72.99, \"description\": \"DINING - PIZZA HUT #1123\", \"currency\": \"USD\", \"transaction_id\": \"plaid-10-00008\"}, {\"date_transacted\": \"2025-07-26\", \"date_posted\": \"2025-07-27\", \"amount\": 212.66, \"description\": \"UTILITY PAYMENT - CON EDISON PPD ID:777888999\", \"currency\": \"USD\", \"transaction_id\": \"plaid-10-00009\"}, {\"date_transacted\": \"2025-07-28\", \"date_posted\": \"2025-07-29\", \"amount\": -3050, \"description\": \"ACH CREDIT PAYROLL - COSTCO PAYROLL DIRECT DEPOSIT PPD ID:333444555\", \"currency\": \"USD\", \"transaction_id\": \"plaid-10-00010\"}, {\"date_transacted\": \"2025-07-28\", \"date_posted\": \"2025-07-29\", \"amount\": 225, \"description\": \"ACH DEBIT - CAPITAL ONE CREDIT CARD PAYMENT PPD ID:444555666\", \"currency\": \"USD\", \"transaction_id\": \"plaid-10-00011\"}, {\"date_transacted\": \"2025-07-28\", \"date_posted\": \"2025-07-29\", \"amount\": 1200, \"description\": \"ACH DEBIT - PRIME VISA PAYMENT PPD ID:555666777\", \"currency\": \"USD\", \"transaction_id\": \"plaid-10-00012\"}, {\"date_transacted\": \"2025-07-28\", \"date_posted\": \"2025-07-29\", \"amount\": 180, \"description\": \"ACH DEBIT - RELENTLESS BANK CREDIT CARD PPD ID:666777888\", \"currency\": \"USD\", \"transaction_id\": \"plaid-10-00013\"}, {\"date_transacted\": \"2025-07-29\", \"date_posted\": \"2025-07-30\", \"amount\": 85.25, \"description\": \"RESTAURANT POS - CHIPOTLE #441\", \"currency\": \"USD\", \"transaction_id\": \"plaid-10-00014\"}, {\"date_transacted\": \"2025-07-30\", \"date_posted\": \"2025-07-31\", \"amount\": 45, \"description\": \"SPOTIFY SUBSCRIPTION PPD ID:888999000\", \"currency\": \"USD\", \"transaction_id\": \"plaid-10-00015\"}, {\"date_transacted\": \"2025-08-05\", \"date_posted\": \"2025-08-06\", \"amount\": 124.37, \"description\": \"CHECK #1051\", \"currency\": \"USD\", \"transaction_id\": \"plaid-10-00016\"}, {\"date_transacted\": \"2025-08-07\", \"date_posted\": \"2025-08-08\", \"amount\": 1000, \"description\": \"ONLINE TRANSFER TO SAVINGS\", \"currency\": \"USD\", \"transaction_id\": \"plaid-10-00017\"}, {\"date_transacted\": \"2025-08-09\", \"date_posted\": \"2025-08-10\", \"amount\": 350, \"description\": \"GEICO AUTO INSURANCE PREMIUM PPD ID:999000111\", \"currency\": \"USD\", \"transaction_id\": \"plaid-10-00018\"}, {\"date_transacted\": \"2025-08-11\", \"date_posted\": \"2025-08-12\", \"amount\": 59.44, \"description\": \"NETFLIX/STREAMING SERVICES PPD ID:000111222\", \"currency\": \"USD\", \"transaction_id\": \"plaid-10-00019\"}, {\"date_transacted\": \"2025-08-13\", \"date_posted\": \"2025-08-14\", \"amount\": -3000, \"description\": \"ZELLE PAYMENT FROM JANE DOE\", \"currency\": \"USD\", \"transaction_id\": \"plaid-10-00020\"}, {\"date_transacted\": \"2025-08-13\", \"date_posted\": \"2025-08-14\", \"amount\": 18.77, \"description\": \"DUNKIN #4432 SOMEPLACE NY\", \"currency\": \"USD\", \"transaction_id\": \"plaid-10-00021\"}, {\"date_transacted\": \"2025-08-14\", \"date_posted\": \"2025-08-15\", \"amount\": 1691, \"description\": \"ACH DEBIT - BEST EVER MORTGAGE PAYMENT PPD ID:222333444\", \"currency\": \"USD\", \"transaction_id\": \"plaid-10-00022\"}, {\"date_transacted\": \"2025-08-14\", \"date_posted\": \"2025-08-15\", \"amount\": 1671, \"description\": \"ACH DEBIT - CALLABLE MORTGAGE PAYMENT PPD ID:333444555\", \"currency\": \"USD\", \"transaction_id\": \"plaid-10-00023\"}, {\"date_transacted\": \"2025-08-15\", \"date_posted\": \"2025-08-16\", \"amount\": 300, \"description\": \"ACH DEBIT FIRSTSERVICE RESIDENTIAL PPD ID:112233446\", \"currency\": \"USD\", \"transaction_id\": \"plaid-10-00024\"}, {\"date_transacted\": \"2025-08-16\", \"date_posted\": \"2025-08-17\", \"amount\": -5000, \"description\": \"CHECK DEPOSIT #653\", \"currency\": \"USD\", \"transaction_id\": \"plaid-10-00025\"}, {\"date_transacted\": \"2025-08-17\", \"date_posted\": \"2025-08-18\", \"amount\": 129.55, \"description\": \"SAFEWAY #312 SOMEPLACE NY\", \"currency\": \"USD\", \"transaction_id\": \"plaid-10-00026\"}, {\"date_transacted\": \"2025-08-19\", \"date_posted\": \"2025-08-20\", \"amount\": 54.35, \"description\": \"UBER TRIP HELP.UBER.COM\", \"currency\": \"USD\", \"transaction_id\": \"plaid-10-00027\"}, {\"date_transacted\": \"2025-08-23\", \"date_posted\": \"2025-08-24\", \"amount\": 93.44, \"description\": \"UTILITY PAYMENT - WATER COMPANY PPD ID:444555667\", \"currency\": \"USD\", \"transaction_id\": \"plaid-10-00028\"}, {\"date_transacted\": \"2025-08-28\", \"date_posted\": \"2025-08-29\", \"amount\": -3050, \"description\": \"ACH CREDIT PAYROLL - COSTCO PAYROLL DIRECT DEPOSIT PPD ID:333444556\", \"currency\": \"USD\", \"transaction_id\": \"plaid-10-00029\"}, {\"date_transacted\": \"2025-08-28\", \"date_posted\": \"2025-08-29\", \"amount\": 225, \"description\": \"ACH DEBIT - CAPITAL ONE CREDIT CARD PAYMENT PPD ID:444555667\", \"currency\": \"USD\", \"transaction_id\": \"plaid-10-00030\"}, {\"date_transacted\": \"2025-08-28\", \"date_posted\": \"2025-08-29\", \"amount\": 1200, \"description\": \"ACH DEBIT - PRIME VISA PAYMENT PPD ID:555666778\", \"currency\": \"USD\", \"transaction_id\": \"plaid-10-00031\"}, {\"date_transacted\": \"2025-08-28\", \"date_posted\": \"2025-08-29\", \"amount\": 180, \"description\": \"ACH DEBIT - RELENTLESS BANK CREDIT CARD PPD ID:666777889\", \"currency\": \"USD\", \"transaction_id\": \"plaid-10-00032\"}, {\"date_transacted\": \"2025-08-29\", \"date_posted\": \"2025-08-30\", \"amount\": 84.22, \"description\": \"DINING - OLIVE GARDEN SOMEPLACE NY\", \"currency\": \"USD\", \"transaction_id\": \"plaid-10-00033\"}, {\"date_transacted\": \"2025-08-30\", \"date_posted\": \"2025-08-31\", \"amount\": 35, \"description\": \"SUBSCRIPTION - APPLE ICLOUD STORAGE PPD ID:888999001\", \"currency\": \"USD\", \"transaction_id\": \"plaid-10-00034\"}, {\"date_transacted\": \"2025-09-05\", \"date_posted\": \"2025-09-06\", \"amount\": 124.37, \"description\": \"CHECK #1052\", \"currency\": \"USD\", \"transaction_id\": \"plaid-10-00035\"}, {\"date_transacted\": \"2025-09-07\", \"date_posted\": \"2025-09-08\", \"amount\": 1000, \"description\": \"ONLINE TRANSFER TO SAVINGS\", \"currency\": \"USD\", \"transaction_id\": \"plaid-10-00036\"}, {\"date_transacted\": \"2025-09-09\", \"date_posted\": \"2025-09-10\", \"amount\": 350, \"description\": \"GEICO AUTO INSURANCE PREMIUM PPD ID:999000112\", \"currency\": \"USD\", \"transaction_id\": \"plaid-10-00037\"}, {\"date_transacted\": \"2025-09-11\", \"date_posted\": \"2025-09-12\", \"amount\": 59.44, \"description\": \"NETFLIX/STREAMING SERVICES PPD ID:000111223\", \"currency\": \"USD\", \"transaction_id\": \"plaid-10-00038\"}, {\"date_transacted\": \"2025-09-13\", \"date_posted\": \"2025-09-14\", \"amount\": -3000, \"description\": \"ZELLE PAYMENT FROM JANE DOE\", \"currency\": \"USD\", \"transaction_id\": \"plaid-10-00039\"}, {\"date_transacted\": \"2025-09-13\", \"date_posted\": \"2025-09-14\", \"amount\": 18.77, \"description\": \"DUNKIN #4432 SOMEPLACE NY\", \"currency\": \"USD\", \"transaction_id\": \"plaid-10-00040\"}, {\"date_transacted\": \"2025-09-14\", \"date_posted\": \"2025-09-15\", \"amount\": 1691, \"description\": \"ACH DEBIT - BEST EVER MORTGAGE PAYMENT PPD ID:222333445\", \"currency\": \"USD\", \"transaction_id\": \"plaid-10-00041\"}, {\"date_transacted\": \"2025-09-14\", \"date_posted\": \"2025-09-15\", \"amount\": 1671, \"description\": \"ACH DEBIT - CALLABLE MORTGAGE PAYMENT PPD ID:333444556\", \"currency\": \"USD\", \"transaction_id\": \"plaid-10-00042\"}, {\"date_transacted\": \"2025-09-15\", \"date_posted\": \"2025-09-16\", \"amount\": 300, \"description\": \"ACH DEBIT FIRSTSERVICE RESIDENTIAL PPD ID:112233447\", \"currency\": \"USD\", \"transaction_id\": \"plaid-10-00043\"}, {\"date_transacted\": \"2025-09-16\", \"date_posted\": \"2025-09-17\", \"amount\": -5000, \"description\": \"CHECK DEPOSIT #653\", \"currency\": \"USD\", \"transaction_id\": \"plaid-10-00044\"}], \"identity\": {\"names\": [\"Andy America\"], \"emails\": [{\"primary\": true, \"type\": \"primary\", \"data\": \"andyamerica@company.com\"}], \"addresses\": [{\"primary\": true, \"data\": {\"country\": \"US\", \"city\": \"Someplace\", \"street\": \"4321 Cul de Sac St\", \"postal_code\": \"10001\", \"region\": \"NY\"}}]}}, {\"type\": \"depository\", \"subtype\": \"savings\", \"starting_balance\": 38000, \"currency\": \"USD\", \"numbers\": {\"account\": \"555666777000\"}, \"transactions\": [{\"date_transacted\": \"2025-08-02\", \"date_posted\": \"2025-08-03\", \"amount\": -2000, \"description\": \"ACH CREDIT - BONUS SAVINGS CLUB PPD ID:121234345\", \"currency\": \"USD\", \"transaction_id\": \"plaid-10-00045\"}, {\"date_transacted\": \"2025-08-07\", \"date_posted\": \"2025-08-08\", \"amount\": -1000, \"description\": \"ONLINE TRANSFER FROM CHECKING\", \"currency\": \"USD\", \"transaction_id\": \"plaid-10-00046\"}, {\"date_transacted\": \"2025-08-13\", \"date_posted\": \"2025-08-14\", \"amount\": -11.6, \"description\": \"INTEREST CREDIT\", \"currency\": \"USD\", \"transaction_id\": \"plaid-10-00047\"}, {\"date_transacted\": \"2025-08-14\", \"date_posted\": \"2025-08-15\", \"amount\": -11.85, \"description\": \"INTEREST CREDIT\", \"currency\": \"USD\", \"transaction_id\": \"plaid-10-00048\"}, {\"date_transacted\": \"2025-09-07\", \"date_posted\": \"2025-09-08\", \"amount\": -1000, \"description\": \"ONLINE TRANSFER FROM CHECKING\", \"currency\": \"USD\", \"transaction_id\": \"plaid-10-00049\"}, {\"date_transacted\": \"2025-09-13\", \"date_posted\": \"2025-09-14\", \"amount\": -11.6, \"description\": \"INTEREST CREDIT\", \"currency\": \"USD\", \"transaction_id\": \"plaid-10-00050\"}, {\"date_transacted\": \"2025-09-14\", \"date_posted\": \"2025-09-15\", \"amount\": -11.85, \"description\": \"INTEREST CREDIT\", \"currency\": \"USD\", \"transaction_id\": \"plaid-10-00051\"}], \"identity\": {\"names\": [\"Andy America\"]}}, {\"type\": \"investment\", \"subtype\": \"401k\", \"starting_balance\": 50750, \"currency\": \"USD\", \"numbers\": {\"account\": \"401k556677\"}, \"transactions\": [{\"date_transacted\": \"2025-07-28\", \"date_posted\": \"2025-07-29\", \"amount\": -525, \"description\": \"401K CONTRIBUTION - EMPLOYEE DEFERRAL (COSTCO PAYROLL) PPD ID:131345456\", \"currency\": \"USD\", \"transaction_id\": \"plaid-10-00052\"}, {\"date_transacted\": \"2025-07-28\", \"date_posted\": \"2025-07-29\", \"amount\": -262.5, \"description\": \"401K CONTRIBUTION - EMPLOYER MATCH (COSTCO) PPD ID:141456567\", \"currency\": \"USD\", \"transaction_id\": \"plaid-10-00053\"}, {\"date_transacted\": \"2025-08-13\", \"date_posted\": \"2025-08-14\", \"amount\": -375, \"description\": \"MARKET APPRECIATION / DIVIDENDS\", \"currency\": \"USD\", \"transaction_id\": \"plaid-10-00054\"}, {\"date_transacted\": \"2025-08-28\", \"date_posted\": \"2025-08-29\", \"amount\": -525, \"description\": \"401K CONTRIBUTION - EMPLOYEE DEFERRAL (COSTCO PAYROLL) PPD ID:131345457\", \"currency\": \"USD\", \"transaction_id\": \"plaid-10-00055\"}, {\"date_transacted\": \"2025-08-28\", \"date_posted\": \"2025-08-29\", \"amount\": -262.5, \"description\": \"401K CONTRIBUTION - EMPLOYER MATCH (COSTCO) PPD ID:141456568\", \"currency\": \"USD\", \"transaction_id\": \"plaid-10-00056\"}, {\"date_transacted\": \"2025-08-28\", \"date_posted\": \"2025-08-29\", \"amount\": -185, \"description\": \"DIVIDEND REINVESTMENT\", \"currency\": \"USD\", \"transaction_id\": \"plaid-10-00057\"}], \"identity\": {\"names\": [\"Andy America\"]}}]}", "ulad_du": "<MESSAGE xmlns=\"http://www.mismo.org/residential/2009/schemas\" xmlns:ULAD=\"http://www.datamodelextension.org/Schema/ULAD\" xmlns:DU=\"http://www.datamodelextension.org/Schema/DU\" xmlns:xlink=\"http://www.w3.org/1999/xlink\" MISMOReferenceModelIdentifier=\"3.4.032420160128\">\n <ABOUT_VERSIONS>\n <ABOUT_VERSION>\n <AboutVersionIdentifier>DU Spec 1.8.5</AboutVersionIdentifier>\n <CreatedDatetime>2025-09-19T18:18:30.488743177Z</CreatedDatetime>\n </ABOUT_VERSION>\n </ABOUT_VERSIONS>\n <DEAL_SETS>\n <DEAL_SET>\n <DEALS>\n <DEAL>\n <ASSETS>\n <ASSET SequenceNumber=\"1\" xlink:label=\"ASSET_1\">\n <ASSET_DETAIL>\n <AssetAccountIdentifier>3000</AssetAccountIdentifier>\n <AssetCashOrMarketValueAmount>90345.00</AssetCashOrMarketValueAmount>\n <AssetType>CheckingAccount</AssetType>\n </ASSET_DETAIL>\n <ASSET_HOLDER>\n <NAME>\n <FullName>First Platypus Bank</FullName>\n </NAME>\n </ASSET_HOLDER>\n </ASSET>\n <ASSET SequenceNumber=\"2\" xlink:label=\"ASSET_2\">\n <ASSET_DETAIL>\n <AssetAccountIdentifier>7000</AssetAccountIdentifier>\n <AssetCashOrMarketValueAmount>38000.00</AssetCashOrMarketValueAmount>\n <AssetType>SavingsAccount</AssetType>\n </ASSET_DETAIL>\n <ASSET_HOLDER>\n <NAME>\n <FullName>First Platypus Bank</FullName>\n </NAME>\n </ASSET_HOLDER>\n </ASSET>\n <ASSET SequenceNumber=\"3\" xlink:label=\"ASSET_3\">\n <ASSET_DETAIL>\n <AssetAccountIdentifier>6677</AssetAccountIdentifier>\n <AssetCashOrMarketValueAmount>50750.00</AssetCashOrMarketValueAmount>\n <AssetType>RetirementFund</AssetType>\n </ASSET_DETAIL>\n <ASSET_HOLDER>\n <NAME>\n <FullName>First Platypus Bank</FullName>\n </NAME>\n </ASSET_HOLDER>\n </ASSET>\n <ASSET SequenceNumber=\"4\" xlink:label=\"ASSET_4\">\n <ASSET_DETAIL>\n <AssetType>RealEstateOwned</AssetType>\n </ASSET_DETAIL>\n <OWNED_PROPERTY>\n <OWNED_PROPERTY_DETAIL>\n <OwnedPropertyDispositionStatusType>Retain</OwnedPropertyDispositionStatusType>\n <OwnedPropertyLienUPBAmount>210279.00</OwnedPropertyLienUPBAmount>\n <OwnedPropertySubjectIndicator>true</OwnedPropertySubjectIndicator>\n </OWNED_PROPERTY_DETAIL>\n <PROPERTY>\n <ADDRESS>\n <AddressLineText>4321 Cul de Sac St</AddressLineText>\n <CityName>FALL RIVER</CityName>\n <CountryCode>US</CountryCode>\n <PostalCode>02723</PostalCode>\n <StateCode>MA</StateCode>\n </ADDRESS>\n <PROPERTY_DETAIL>\n <PropertyUsageType>PrimaryResidence</PropertyUsageType>\n </PROPERTY_DETAIL>\n </PROPERTY>\n </OWNED_PROPERTY>\n </ASSET>\n <ASSET SequenceNumber=\"5\" xlink:label=\"ASSET_5\">\n <ASSET_DETAIL>\n <AssetType>RealEstateOwned</AssetType>\n </ASSET_DETAIL>\n <OWNED_PROPERTY>\n <OWNED_PROPERTY_DETAIL>\n <OwnedPropertyDispositionStatusType>Retain</OwnedPropertyDispositionStatusType>\n <OwnedPropertyLienUPBAmount>210027.00</OwnedPropertyLienUPBAmount>\n <OwnedPropertyRentalIncomeGrossAmount>5000.00</OwnedPropertyRentalIncomeGrossAmount>\n <OwnedPropertyRentalIncomeNetAmount>2079.00</OwnedPropertyRentalIncomeNetAmount>\n <OwnedPropertySubjectIndicator>false</OwnedPropertySubjectIndicator>\n </OWNED_PROPERTY_DETAIL>\n <PROPERTY>\n <ADDRESS>\n <AddressLineText>1013 Bloomfield Ave</AddressLineText>\n <CityName>Asbury Park</CityName>\n <CountryCode>US</CountryCode>\n <PostalCode>07712</PostalCode>\n <StateCode>NJ</StateCode>\n </ADDRESS>\n <PROPERTY_DETAIL>\n <PropertyCurrentUsageType>Investment</PropertyCurrentUsageType>\n <PropertyEstimatedValueAmount>1000000.00</PropertyEstimatedValueAmount>\n <PropertyUsageType>Investment</PropertyUsageType>\n </PROPERTY_DETAIL>\n </PROPERTY>\n </OWNED_PROPERTY>\n </ASSET>\n <ASSET SequenceNumber=\"6\" xlink:label=\"ASSET_6\">\n <ASSET_DETAIL>\n <AssetType>RealEstateOwned</AssetType>\n </ASSET_DETAIL>\n <OWNED_PROPERTY>\n <OWNED_PROPERTY_DETAIL>\n <OwnedPropertyDispositionStatusType>Retain</OwnedPropertyDispositionStatusType>\n <OwnedPropertyMaintenanceExpenseAmount>958.33</OwnedPropertyMaintenanceExpenseAmount>\n <OwnedPropertyRentalIncomeGrossAmount>3000.00</OwnedPropertyRentalIncomeGrossAmount>\n <OwnedPropertyRentalIncomeNetAmount>1291.67</OwnedPropertyRentalIncomeNetAmount>\n <OwnedPropertySubjectIndicator>false</OwnedPropertySubjectIndicator>\n </OWNED_PROPERTY_DETAIL>\n <PROPERTY>\n <ADDRESS>\n <AddressLineText>2308 Logan Rd</AddressLineText>\n <CityName>Asbury Park</CityName>\n <CountryCode>US</CountryCode>\n <PostalCode>07712</PostalCode>\n <StateCode>NJ</StateCode>\n </ADDRESS>\n <PROPERTY_DETAIL>\n <PropertyCurrentUsageType>Investment</PropertyCurrentUsageType>\n <PropertyEstimatedValueAmount>1200000.00</PropertyEstimatedValueAmount>\n <PropertyUsageType>Investment</PropertyUsageType>\n </PROPERTY_DETAIL>\n </PROPERTY>\n </OWNED_PROPERTY>\n </ASSET>\n </ASSETS>\n <COLLATERALS>\n <COLLATERAL>\n <SUBJECT_PROPERTY>\n <ADDRESS>\n <AddressLineText>4321 Cul de Sac St</AddressLineText>\n <CityName>FALL RIVER</CityName>\n <CountryCode>US</CountryCode>\n <PostalCode>02723</PostalCode>\n <StateCode>MA</StateCode>\n </ADDRESS>\n <LOCATION_IDENTIFIER>\n <FIPS_INFORMATION>\n <FIPSCountyCode>005</FIPSCountyCode>\n <FIPSStateNumericCode>25</FIPSStateNumericCode>\n </FIPS_INFORMATION>\n </LOCATION_IDENTIFIER>\n <PROPERTY_DETAIL>\n <AttachmentType>Detached</AttachmentType>\n <CommunityPropertyStateIndicator>false</CommunityPropertyStateIndicator>\n <ConstructionMethodType>SiteBuilt</ConstructionMethodType>\n <FHASecondaryResidenceIndicator>false</FHASecondaryResidenceIndicator>\n <FinancedUnitCount>1</FinancedUnitCount>\n <PropertyEstateType>FeeSimple</PropertyEstateType>\n <PropertyExistingCleanEnergyLienIndicator>false</PropertyExistingCleanEnergyLienIndicator>\n <PropertyInProjectIndicator>false</PropertyInProjectIndicator>\n <PropertyMixedUsageIndicator>false</PropertyMixedUsageIndicator>\n <PropertyUsageType>PrimaryResidence</PropertyUsageType>\n <PUDIndicator>false</PUDIndicator>\n </PROPERTY_DETAIL>\n <PROPERTY_VALUATIONS>\n <PROPERTY_VALUATION>\n <PROPERTY_VALUATION_DETAIL></PROPERTY_VALUATION_DETAIL>\n </PROPERTY_VALUATION>\n </PROPERTY_VALUATIONS>\n </SUBJECT_PROPERTY>\n </COLLATERAL>\n </COLLATERALS>\n <LIABILITIES>\n <LIABILITY SequenceNumber=\"1\" xlink:label=\"LIABILITY_1\">\n <LIABILITY_DETAIL>\n <LiabilityAccountIdentifier>502088</LiabilityAccountIdentifier>\n <LiabilityExclusionIndicator>false</LiabilityExclusionIndicator>\n <LiabilityMonthlyPaymentAmount>1691.00</LiabilityMonthlyPaymentAmount>\n <LiabilityPaymentIncludesTaxesInsuranceIndicator>true</LiabilityPaymentIncludesTaxesInsuranceIndicator>\n <LiabilityPayoffStatusIndicator>true</LiabilityPayoffStatusIndicator>\n <LiabilityType>MortgageLoan</LiabilityType>\n <LiabilityUnpaidBalanceAmount>210279.00</LiabilityUnpaidBalanceAmount>\n <SubjectLoanResubordinationIndicator>false</SubjectLoanResubordinationIndicator>\n </LIABILITY_DETAIL>\n <LIABILITY_HOLDER>\n <NAME>\n <FullName>BEST EVER MORTGAGE</FullName>\n </NAME>\n </LIABILITY_HOLDER>\n </LIABILITY>\n <LIABILITY SequenceNumber=\"2\" xlink:label=\"LIABILITY_2\">\n <LIABILITY_DETAIL>\n <LiabilityAccountIdentifier>757570</LiabilityAccountIdentifier>\n <LiabilityExclusionIndicator>false</LiabilityExclusionIndicator>\n <LiabilityMonthlyPaymentAmount>1671.00</LiabilityMonthlyPaymentAmount>\n <LiabilityPaymentIncludesTaxesInsuranceIndicator>true</LiabilityPaymentIncludesTaxesInsuranceIndicator>\n <LiabilityPayoffStatusIndicator>false</LiabilityPayoffStatusIndicator>\n <LiabilityType>MortgageLoan</LiabilityType>\n <LiabilityUnpaidBalanceAmount>210027.00</LiabilityUnpaidBalanceAmount>\n <SubjectLoanResubordinationIndicator>false</SubjectLoanResubordinationIndicator>\n </LIABILITY_DETAIL>\n <LIABILITY_HOLDER>\n <NAME>\n <FullName>CALLABLE MORTGAGE</FullName>\n </NAME>\n </LIABILITY_HOLDER>\n </LIABILITY>\n <LIABILITY SequenceNumber=\"3\" xlink:label=\"LIABILITY_3\">\n <LIABILITY_DETAIL>\n <LiabilityAccountIdentifier>435617</LiabilityAccountIdentifier>\n <LiabilityExclusionIndicator>false</LiabilityExclusionIndicator>\n <LiabilityMonthlyPaymentAmount>133.00</LiabilityMonthlyPaymentAmount>\n <LiabilityPayoffStatusIndicator>false</LiabilityPayoffStatusIndicator>\n <LiabilityType>Revolving</LiabilityType>\n <LiabilityUnpaidBalanceAmount>4665.00</LiabilityUnpaidBalanceAmount>\n </LIABILITY_DETAIL>\n <LIABILITY_HOLDER>\n <NAME>\n <FullName>ALLEN BANK CARD</FullName>\n </NAME>\n </LIABILITY_HOLDER>\n </LIABILITY>\n <LIABILITY SequenceNumber=\"4\" xlink:label=\"LIABILITY_4\">\n <LIABILITY_DETAIL>\n <LiabilityAccountIdentifier>200021</LiabilityAccountIdentifier>\n <LiabilityExclusionIndicator>false</LiabilityExclusionIndicator>\n <LiabilityMonthlyPaymentAmount>46.00</LiabilityMonthlyPaymentAmount>\n <LiabilityPayoffStatusIndicator>false</LiabilityPayoffStatusIndicator>\n <LiabilityRemainingTermMonthsCount>36</LiabilityRemainingTermMonthsCount>\n <LiabilityType>Installment</LiabilityType>\n <LiabilityUnpaidBalanceAmount>1554.00</LiabilityUnpaidBalanceAmount>\n </LIABILITY_DETAIL>\n <LIABILITY_HOLDER>\n <NAME>\n <FullName>RELENTLESS BANK</FullName>\n </NAME>\n </LIABILITY_HOLDER>\n </LIABILITY>\n <LIABILITY SequenceNumber=\"5\" xlink:label=\"LIABILITY_5\">\n <LIABILITY_DETAIL>\n <LiabilityAccountIdentifier>171442</LiabilityAccountIdentifier>\n <LiabilityExclusionIndicator>false</LiabilityExclusionIndicator>\n <LiabilityMonthlyPaymentAmount>27.00</LiabilityMonthlyPaymentAmount>\n <LiabilityPayoffStatusIndicator>false</LiabilityPayoffStatusIndicator>\n <LiabilityType>Revolving</LiabilityType>\n <LiabilityUnpaidBalanceAmount>1357.00</LiabilityUnpaidBalanceAmount>\n </LIABILITY_DETAIL>\n <LIABILITY_HOLDER>\n <NAME>\n <FullName>BURSTING CREDIT</FullName>\n </NAME>\n </LIABILITY_HOLDER>\n </LIABILITY>\n <LIABILITY SequenceNumber=\"6\" xlink:label=\"LIABILITY_6\">\n <LIABILITY_DETAIL>\n <LiabilityAccountIdentifier>411711911</LiabilityAccountIdentifier>\n <LiabilityExclusionIndicator>false</LiabilityExclusionIndicator>\n <LiabilityMonthlyPaymentAmount>40.00</LiabilityMonthlyPaymentAmount>\n <LiabilityPayoffStatusIndicator>false</LiabilityPayoffStatusIndicator>\n <LiabilityType>Revolving</LiabilityType>\n <LiabilityUnpaidBalanceAmount>450.00</LiabilityUnpaidBalanceAmount>\n </LIABILITY_DETAIL>\n <LIABILITY_HOLDER>\n <NAME>\n <FullName>PRIME VISA</FullName>\n </NAME>\n </LIABILITY_HOLDER>\n </LIABILITY>\n <LIABILITY SequenceNumber=\"7\" xlink:label=\"LIABILITY_7\">\n <LIABILITY_DETAIL>\n <LiabilityAccountIdentifier>529115</LiabilityAccountIdentifier>\n <LiabilityExclusionIndicator>false</LiabilityExclusionIndicator>\n <LiabilityMonthlyPaymentAmount>10.00</LiabilityMonthlyPaymentAmount>\n <LiabilityPayoffStatusIndicator>false</LiabilityPayoffStatusIndicator>\n <LiabilityType>Revolving</LiabilityType>\n <LiabilityUnpaidBalanceAmount>29.00</LiabilityUnpaidBalanceAmount>\n </LIABILITY_DETAIL>\n <LIABILITY_HOLDER>\n <NAME>\n <FullName>CAPITAL BANK</FullName>\n </NAME>\n </LIABILITY_HOLDER>\n </LIABILITY>\n <LIABILITY_SUMMARY>\n <TotalNonSubjectPropertyDebtsToBePaidOffAmount>0.00</TotalNonSubjectPropertyDebtsToBePaidOffAmount>\n <TotalSubjectPropertyPayoffsAndPaymentsAmount>210279.00</TotalSubjectPropertyPayoffsAndPaymentsAmount>\n </LIABILITY_SUMMARY>\n </LIABILITIES>\n <LOANS>\n <LOAN SequenceNumber=\"1\" LoanRoleType=\"SubjectLoan\" xlink:label=\"LOAN_1\">\n <AFFORDABLE_LENDING></AFFORDABLE_LENDING>\n <CLOSING_INFORMATION>\n <CLOSING_ADJUSTMENT_ITEMS></CLOSING_ADJUSTMENT_ITEMS>\n <CLOSING_INFORMATION_DETAIL></CLOSING_INFORMATION_DETAIL>\n </CLOSING_INFORMATION>\n <DOCUMENT_SPECIFIC_DATA_SETS>\n <DOCUMENT_SPECIFIC_DATA_SET>\n <URLA>\n <URLA_DETAIL></URLA_DETAIL>\n </URLA>\n </DOCUMENT_SPECIFIC_DATA_SET>\n </DOCUMENT_SPECIFIC_DATA_SETS>\n <HOUSING_EXPENSES></HOUSING_EXPENSES>\n <LOAN_DETAIL>\n <BalloonIndicator>false</BalloonIndicator>\n <BelowMarketSubordinateFinancingIndicator>false</BelowMarketSubordinateFinancingIndicator>\n <BorrowerCount>1</BorrowerCount>\n <BuydownTemporarySubsidyFundingIndicator>false</BuydownTemporarySubsidyFundingIndicator>\n <ConstructionLoanIndicator>false</ConstructionLoanIndicator>\n <ConversionOfContractForDeedIndicator>false</ConversionOfContractForDeedIndicator>\n <EnergyRelatedImprovementsIndicator>false</EnergyRelatedImprovementsIndicator>\n <InterestOnlyIndicator>false</InterestOnlyIndicator>\n <NegativeAmortizationIndicator>false</NegativeAmortizationIndicator>\n <PrepaymentPenaltyIndicator>false</PrepaymentPenaltyIndicator>\n <RenovationLoanIndicator>false</RenovationLoanIndicator>\n <TotalMortgagedPropertiesCount>2</TotalMortgagedPropertiesCount>\n </LOAN_DETAIL>\n <LOAN_IDENTIFIERS>\n <LOAN_IDENTIFIER>\n <LoanIdentifier>81301535410</LoanIdentifier>\n <LoanIdentifierType>UniversalLoan</LoanIdentifierType>\n </LOAN_IDENTIFIER>\n </LOAN_IDENTIFIERS>\n <ORIGINATION_SYSTEMS>\n <ORIGINATION_SYSTEM>\n <LoanOriginationSystemName>TidalWave SOLO</LoanOriginationSystemName>\n <LoanOriginationSystemVendorIdentifier>TidalWave</LoanOriginationSystemVendorIdentifier>\n <LoanOriginationSystemVersionIdentifier>1.0</LoanOriginationSystemVersionIdentifier>\n </ORIGINATION_SYSTEM>\n </ORIGINATION_SYSTEMS>\n <REFINANCE>\n <RefinanceCashOutDeterminationType>CashOut</RefinanceCashOutDeterminationType>\n <RefinancePrimaryPurposeType>DebtConsolidation</RefinancePrimaryPurposeType>\n </REFINANCE>\n <TERMS_OF_LOAN>\n <BaseLoanAmount>500000.00</BaseLoanAmount>\n <LienPriorityType>FirstLien</LienPriorityType>\n <LoanPurposeType>Refinance</LoanPurposeType>\n <MortgageType>Conventional</MortgageType>\n <NoteRatePercent>0.000</NoteRatePercent>\n </TERMS_OF_LOAN>\n </LOAN>\n </LOANS>\n <PARTIES>\n <PARTY>\n <INDIVIDUAL>\n <CONTACT_POINTS>\n <CONTACT_POINT>\n <CONTACT_POINT_TELEPHONE>\n <ContactPointTelephoneValue>9999999999</ContactPointTelephoneValue>\n </CONTACT_POINT_TELEPHONE>\n <CONTACT_POINT_DETAIL>\n <ContactPointRoleType>Mobile</ContactPointRoleType>\n </CONTACT_POINT_DETAIL>\n </CONTACT_POINT>\n <CONTACT_POINT>\n <CONTACT_POINT_EMAIL>\n <ContactPointEmailValue>drindner+columbiaandytestcase5@tidalhq.com</ContactPointEmailValue>\n </CONTACT_POINT_EMAIL>\n </CONTACT_POINT>\n </CONTACT_POINTS>\n <NAME>\n <FirstName>Andy</FirstName>\n <LastName>America</LastName>\n </NAME>\n </INDIVIDUAL>\n <LANGUAGES>\n <LANGUAGE>\n <EXTENSION>\n <OTHER>\n <ULAD:LANGUAGE_EXTENSION>\n <ULAD:LanguageRefusalIndicator>true</ULAD:LanguageRefusalIndicator>\n </ULAD:LANGUAGE_EXTENSION>\n </OTHER>\n </EXTENSION>\n </LANGUAGE>\n </LANGUAGES>\n <ROLES>\n <ROLE SequenceNumber=\"1\" xlink:label=\"BORROWER_1\">\n <BORROWER>\n <BORROWER_DETAIL>\n <BorrowerBirthDate>1996-04-15</BorrowerBirthDate>\n <CommunityPropertyStateResidentIndicator>false</CommunityPropertyStateResidentIndicator>\n <DependentCount>0</DependentCount>\n <MaritalStatusType>Unmarried</MaritalStatusType>\n </BORROWER_DETAIL>\n <CURRENT_INCOME>\n <CURRENT_INCOME_ITEMS>\n <CURRENT_INCOME_ITEM SequenceNumber=\"1\" xlink:label=\"CURRENT_INCOME_ITEM_1_1\">\n <CURRENT_INCOME_ITEM_DETAIL>\n <CurrentIncomeMonthlyTotalAmount>16666.67</CurrentIncomeMonthlyTotalAmount>\n <EmploymentIncomeIndicator>true</EmploymentIncomeIndicator>\n <IncomeType>Base</IncomeType>\n </CURRENT_INCOME_ITEM_DETAIL>\n </CURRENT_INCOME_ITEM>\n <CURRENT_INCOME_ITEM SequenceNumber=\"2\" xlink:label=\"CURRENT_INCOME_ITEM_1_2\">\n <CURRENT_INCOME_ITEM_DETAIL>\n <CurrentIncomeMonthlyTotalAmount>10000.00</CurrentIncomeMonthlyTotalAmount>\n <EmploymentIncomeIndicator>false</EmploymentIncomeIndicator>\n <IncomeType>Pension</IncomeType>\n </CURRENT_INCOME_ITEM_DETAIL>\n </CURRENT_INCOME_ITEM>\n </CURRENT_INCOME_ITEMS>\n </CURRENT_INCOME>\n <DECLARATION>\n <DECLARATION_DETAIL>\n <BankruptcyIndicator>false</BankruptcyIndicator>\n <CitizenshipResidencyType>USCitizen</CitizenshipResidencyType>\n <HomeownerPastThreeYearsType>Yes</HomeownerPastThreeYearsType>\n <IntentToOccupyType>Yes</IntentToOccupyType>\n <OutstandingJudgmentsIndicator>false</OutstandingJudgmentsIndicator>\n <PartyToLawsuitIndicator>false</PartyToLawsuitIndicator>\n <PresentlyDelinquentIndicator>false</PresentlyDelinquentIndicator>\n <PriorPropertyDeedInLieuConveyedIndicator>false</PriorPropertyDeedInLieuConveyedIndicator>\n <PriorPropertyForeclosureCompletedIndicator>false</PriorPropertyForeclosureCompletedIndicator>\n <PriorPropertyShortSaleCompletedIndicator>false</PriorPropertyShortSaleCompletedIndicator>\n <PriorPropertyTitleType>Sole</PriorPropertyTitleType>\n <PriorPropertyUsageType>PrimaryResidence</PriorPropertyUsageType>\n <PropertyProposedCleanEnergyLienIndicator>false</PropertyProposedCleanEnergyLienIndicator>\n <UndisclosedBorrowedFundsIndicator>false</UndisclosedBorrowedFundsIndicator>\n <UndisclosedComakerOfNoteIndicator>false</UndisclosedComakerOfNoteIndicator>\n <UndisclosedCreditApplicationIndicator>false</UndisclosedCreditApplicationIndicator>\n <UndisclosedMortgageApplicationIndicator>false</UndisclosedMortgageApplicationIndicator>\n </DECLARATION_DETAIL>\n </DECLARATION>\n <DEPENDENTS></DEPENDENTS>\n <EMPLOYERS>\n <EMPLOYER SequenceNumber=\"1\" xlink:label=\"EMPLOYER_1_1\">\n <LEGAL_ENTITY>\n <LEGAL_ENTITY_DETAIL>\n <FullName>Costco</FullName>\n </LEGAL_ENTITY_DETAIL>\n </LEGAL_ENTITY>\n <EMPLOYMENT>\n <EmploymentBorrowerSelfEmployedIndicator>false</EmploymentBorrowerSelfEmployedIndicator>\n <EmploymentClassificationType>Primary</EmploymentClassificationType>\n <EmploymentPositionDescription>Manager</EmploymentPositionDescription>\n <EmploymentStartDate>2000-01-01</EmploymentStartDate>\n <EmploymentStatusType>Current</EmploymentStatusType>\n <EmploymentTimeInLineOfWorkMonthsCount>120</EmploymentTimeInLineOfWorkMonthsCount>\n <SpecialBorrowerEmployerRelationshipIndicator>false</SpecialBorrowerEmployerRelationshipIndicator>\n <EXTENSION>\n <OTHER>\n <DU:EMPLOYMENT_EXTENSION>\n <DU:ForeignIncomeIndicator>false</DU:ForeignIncomeIndicator>\n <DU:SeasonalIncomeIndicator>false</DU:SeasonalIncomeIndicator>\n </DU:EMPLOYMENT_EXTENSION>\n </OTHER>\n </EXTENSION>\n </EMPLOYMENT>\n </EMPLOYER>\n </EMPLOYERS>\n <GOVERNMENT_BORROWER></GOVERNMENT_BORROWER>\n <GOVERNMENT_MONITORING>\n <GOVERNMENT_MONITORING_DETAIL>\n <HMDAEthnicityCollectedBasedOnVisualObservationOrSurnameIndicator>false</HMDAEthnicityCollectedBasedOnVisualObservationOrSurnameIndicator>\n <HMDAEthnicityRefusalIndicator>true</HMDAEthnicityRefusalIndicator>\n <HMDAGenderCollectedBasedOnVisualObservationOrNameIndicator>false</HMDAGenderCollectedBasedOnVisualObservationOrNameIndicator>\n <HMDAGenderRefusalIndicator>true</HMDAGenderRefusalIndicator>\n <HMDARaceCollectedBasedOnVisualObservationOrSurnameIndicator>false</HMDARaceCollectedBasedOnVisualObservationOrSurnameIndicator>\n <HMDARaceRefusalIndicator>true</HMDARaceRefusalIndicator>\n <EXTENSION>\n <OTHER>\n <ULAD:GOVERNMENT_MONITORING_DETAIL_EXTENSION>\n <ULAD:ApplicationTakenMethodType>Internet</ULAD:ApplicationTakenMethodType>\n </ULAD:GOVERNMENT_MONITORING_DETAIL_EXTENSION>\n </OTHER>\n </EXTENSION>\n </GOVERNMENT_MONITORING_DETAIL>\n </GOVERNMENT_MONITORING>\n <RESIDENCES>\n <RESIDENCE>\n <ADDRESS>\n <AddressLineText>4321 Cul de Sac St</AddressLineText>\n <CityName>Someplace</CityName>\n <CountryCode>US</CountryCode>\n <PostalCode>02723</PostalCode>\n <StateCode>MA</StateCode>\n </ADDRESS>\n <RESIDENCE_DETAIL>\n <BorrowerResidencyBasisType>Own</BorrowerResidencyBasisType>\n <BorrowerResidencyDurationMonthsCount>120</BorrowerResidencyDurationMonthsCount>\n <BorrowerResidencyType>Current</BorrowerResidencyType>\n </RESIDENCE_DETAIL>\n </RESIDENCE>\n </RESIDENCES>\n </BORROWER>\n <ROLE_DETAIL>\n <PartyRoleType>Borrower</PartyRoleType>\n </ROLE_DETAIL>\n </ROLE>\n </ROLES>\n <TAXPAYER_IDENTIFIERS>\n <TAXPAYER_IDENTIFIER>\n <TaxpayerIdentifierType>SocialSecurityNumber</TaxpayerIdentifierType>\n <TaxpayerIdentifierValue>999603333</TaxpayerIdentifierValue>\n </TAXPAYER_IDENTIFIER>\n </TAXPAYER_IDENTIFIERS>\n </PARTY>\n </PARTIES>\n <RELATIONSHIPS>\n <RELATIONSHIP SequenceNumber=\"1\" xlink:arcrole=\"urn:fdc:mismo.org:2009:residential/CURRENT_INCOME_ITEM_IsAssociatedWith_EMPLOYER\" xlink:from=\"CURRENT_INCOME_ITEM_1_1\" xlink:to=\"EMPLOYER_1_1\"></RELATIONSHIP>\n <RELATIONSHIP SequenceNumber=\"2\" xlink:arcrole=\"urn:fdc:mismo.org:2009:residential/ASSET_IsAssociatedWith_ROLE\" xlink:from=\"ASSET_1\" xlink:to=\"BORROWER_1\"></RELATIONSHIP>\n <RELATIONSHIP SequenceNumber=\"3\" xlink:arcrole=\"urn:fdc:mismo.org:2009:residential/ASSET_IsAssociatedWith_ROLE\" xlink:from=\"ASSET_2\" xlink:to=\"BORROWER_1\"></RELATIONSHIP>\n <RELATIONSHIP SequenceNumber=\"4\" xlink:arcrole=\"urn:fdc:mismo.org:2009:residential/ASSET_IsAssociatedWith_ROLE\" xlink:from=\"ASSET_3\" xlink:to=\"BORROWER_1\"></RELATIONSHIP>\n <RELATIONSHIP SequenceNumber=\"5\" xlink:arcrole=\"urn:fdc:mismo.org:2009:residential/ASSET_IsAssociatedWith_ROLE\" xlink:from=\"ASSET_4\" xlink:to=\"BORROWER_1\"></RELATIONSHIP>\n <RELATIONSHIP SequenceNumber=\"6\" xlink:arcrole=\"urn:fdc:mismo.org:2009:residential/LIABILITY_IsAssociatedWith_ROLE\" xlink:from=\"LIABILITY_1\" xlink:to=\"BORROWER_1\"></RELATIONSHIP>\n <RELATIONSHIP SequenceNumber=\"7\" xlink:arcrole=\"urn:fdc:mismo.org:2009:residential/ASSET_IsAssociatedWith_LIABILITY\" xlink:from=\"ASSET_4\" xlink:to=\"LIABILITY_1\"></RELATIONSHIP>\n <RELATIONSHIP SequenceNumber=\"8\" xlink:arcrole=\"urn:fdc:mismo.org:2009:residential/ASSET_IsAssociatedWith_ROLE\" xlink:from=\"ASSET_5\" xlink:to=\"BORROWER_1\"></RELATIONSHIP>\n <RELATIONSHIP SequenceNumber=\"9\" xlink:arcrole=\"urn:fdc:mismo.org:2009:residential/LIABILITY_IsAssociatedWith_ROLE\" xlink:from=\"LIABILITY_2\" xlink:to=\"BORROWER_1\"></RELATIONSHIP>\n <RELATIONSHIP SequenceNumber=\"10\" xlink:arcrole=\"urn:fdc:mismo.org:2009:residential/ASSET_IsAssociatedWith_LIABILITY\" xlink:from=\"ASSET_5\" xlink:to=\"LIABILITY_2\"></RELATIONSHIP>\n <RELATIONSHIP SequenceNumber=\"11\" xlink:arcrole=\"urn:fdc:mismo.org:2009:residential/ASSET_IsAssociatedWith_ROLE\" xlink:from=\"ASSET_6\" xlink:to=\"BORROWER_1\"></RELATIONSHIP>\n <RELATIONSHIP SequenceNumber=\"12\" xlink:arcrole=\"urn:fdc:mismo.org:2009:residential/LIABILITY_IsAssociatedWith_ROLE\" xlink:from=\"LIABILITY_3\" xlink:to=\"BORROWER_1\"></RELATIONSHIP>\n <RELATIONSHIP SequenceNumber=\"13\" xlink:arcrole=\"urn:fdc:mismo.org:2009:residential/LIABILITY_IsAssociatedWith_ROLE\" xlink:from=\"LIABILITY_4\" xlink:to=\"BORROWER_1\"></RELATIONSHIP>\n <RELATIONSHIP SequenceNumber=\"14\" xlink:arcrole=\"urn:fdc:mismo.org:2009:residential/LIABILITY_IsAssociatedWith_ROLE\" xlink:from=\"LIABILITY_5\" xlink:to=\"BORROWER_1\"></RELATIONSHIP>\n <RELATIONSHIP SequenceNumber=\"15\" xlink:arcrole=\"urn:fdc:mismo.org:2009:residential/LIABILITY_IsAssociatedWith_ROLE\" xlink:from=\"LIABILITY_6\" xlink:to=\"BORROWER_1\"></RELATIONSHIP>\n <RELATIONSHIP SequenceNumber=\"16\" xlink:arcrole=\"urn:fdc:mismo.org:2009:residential/LIABILITY_IsAssociatedWith_ROLE\" xlink:from=\"LIABILITY_7\" xlink:to=\"BORROWER_1\"></RELATIONSHIP>\n </RELATIONSHIPS>\n <SERVICES></SERVICES>\n </DEAL>\n </DEALS>\n </DEAL_SET>\n </DEAL_SETS>\n</MESSAGE>"}
|
|
|
